What is the organizational structure of Sberbank

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Sberbank is a financial institution known not only to the vast majority of Russians, but also to residents of other states. The reason is its scale, uniqueness, fame compared to other similar institutions in the Russian Federation. In this article, we will focus on the organizational structure of Sberbank, which has no analogues in Russia. Let's start with a general introduction to the organization.

About Sberbank

The subject of our conversation is PAO, the largest Russian bank. Its founder is the Central Bank of Russia. It is the Central Bank that owns the controlling stake in this institution. Other shareholders are both organizations and individuals.

The uniqueness is noticeable not only in the expanded organizational structure of Sberbank. It is also distinguished by the following:

• Provision of state guarantees on deposits.
• Participation in an international program whose goal is the development of small and medium-sized businesses in the Russian Federation.
• Account maintenance, accounting of income and turnover of the federal Russian budget.

Schemeorganizational structure of Sberbank of Russia

Let's analyze the hierarchy of the components of this large banking organization:

• The main body is the General Meeting of Shareholders.
• Second level: Supervisory Board. Audit committee. A number of Supervisory Board Committees.
• Next level: Board (including its chairman and president). Sberbank committees. Bank Board.
• Last level: A number of branches of the bank's central network. Territorial branches. Overseas departments.

The entire organizational structure of Sberbank can be divided into almost equal four shares:

1. Head office.
2. Territorial offices.
3. Agencies and affiliates.
4. Other branches of the system.

Meeting of shareholders

The management structure of this organization assumes the existence of governing bodies with established responsibilities, a number of powers and rules of interaction with other components of the system. Let's move on to its top.

The main governing body of the organizational structure of Sberbank PJSC is the meeting of shareholders. Only it has the right to elect the board of the institution, as well as the supervisory board. Shareholders are both individuals and legal entities. They hold both common and preferred securities.

The main tasks of this part of the organizational structure of Sberbank:

• Making decisions to establish an organization.
• Howdrawing up the Charter of the bank, as well as monitoring its implementation.
• Approval of acts and documents related to the activities of the institution.
• Selection of members of the executive and supervisory bodies.
• Both consideration and verification of reports on the activities of other structural units.
• Distribution of income directions.

Structure management

The overall management of Sberbank is the business of the elected Council. His key responsibilities are:

• Determination of vectors for the development of the bank.
• Control over the work of the board.
• Approval of the annual report.
• Monitoring investment and lending policies.
• Organization of the activities of the audit and credit committees.
• Chairman selection.

Audit and Credit Committees

We continue to get acquainted with the organizational structure of Sberbank. As we have already mentioned, its Council creates two committees, each of which has specific tasks:

• Credit: Formation of the credit policy of the institution, the structure of opportunities and funds that can be involved in the work. Opening of investment funds. Trust activities.
• Auditing: Organization of selective and comprehensive audits in the field of credit, settlement, currency work. Control over the execution of legislative acts.

Headquarters

Go toorganizational structure of Sberbank branches. The main office here is the head office - it manages smaller branches. From here, his tasks are the following:

• Analysis of the work of subordinate organizations.
• Current and strategic planning.
• Work on priority vectors of the bank's development.
• Budgeting, management of financial assets, liabilities, risks.
• Study of the Russian banking market, state economy.
• Control over intrastructural cash flows, credit resources.
• Providing the entire bank system with information about the activities of its departments.
• Carrying out marketing analyzes in tandem with other organizations. This activity is aimed at studying the needs and wishes of customers, as well as the regional market, improving existing and developing new banking products and services.

Territorial divisions

Note that the activities of territorial structures are provided by the security service of Sberbank. They themselves are busy with the following:

• Analysis of the activities of their units in order to plan the most favorable credit policy.
• Assessment of the current competitive environment.
• Participation in regional economic development programs.
• Improvement and expansion of settlement networks.
• Implementation of the latest information technologies to help manage both liabilities and assets more successfullybank and staff will facilitate interaction with customers.
• Working on increasing the speed of financial transactions, which leads to an improvement in the quality of service.
• Assessing and adjusting to changing market conditions.
• Overall optimization of their networks, taking into account economic and social factors.

Regional branches

Regional divisions and branches are the most widespread in the entire Sberbank system. I must say that within the structure they are constantly being optimized based on the population density in a particular region, the number of bank customers. Much attention is also paid to consumer preference for certain banking services.

Regional branches of the organizational structure of Sberbank have the full range of rights of legal entities. The balance sheet of such a branch is an integral part of the unified balance sheet of the entire corporation.

The activities of the regional branches are based on the approved regulations. Based on it:

• Subsidiaries in the regions have the rights of legal entities.
• They are part of the Sberbank system.
• In their work they rely on acts adopted by both the Central Bank of the Russian Federation and Sberbank itself.

Here it is necessary to allocate specialized branches. They focus not only on individual and specialized banking services, but also on the development of certain areas of the financial business: work with corporate clients, operations with currency, stocks, etc.

Agencies

It is impossible not to single out such a part of the structure of Sberbank as agencies. They are considered the last link in the system - they were created at large institutions to work with the population of remote and sparsely populated regions of the Russian Federation. The range of operations performed by them is limited - settlement and cash services, transfer of wages.

In the future, it is planned to replace agencies with mobile operating cash desks.

Departments

The following branches take place in the structure of Sberbank:

• On working with personnel - studying the labor market, recruiting new employees, improving the skills of real workers.
• Public Relations Department - promotion and advertising, interaction with the media.
• Risk management - a general analysis of risks in the financial market, building an activity policy taking them into account.
• Department of audits, internal control and audit - control over compliance by divisions with both all-Russian legislative acts and internal bank orders.
• Security management - protection against illegal actions of third parties, ensuring the safety of staff and visitors.
• Legal - development of standard contracts, registration of licenses, certificates, legal expertise, appearance in court on behalf of Sberbank.

Functions of the organizational structure

Let's consider the general functions of the organizational structure of PJSC "Sberbank of Russia":

• Turnoverfunds coming from the population and organizations.
• Issuance of loans to individuals and legal entities.
• Settlement and cash services for the population.
• Working with securities: issue, sale, purchase.
• Commercial services: leasing, factoring.
• Issue of bank cards.
• Currency transactions.
• Advising and informing citizens on economic issues.

Shortly, we analyzed the extensive organizational structure of Sberbank. Now you are aware of its components, their specifics of activity.