Sberbank#International presence

File:Vladimir Putin 12 November 2001-7.jpg Putin visits a Moscow branch of Sberbank, November 2001.]]

File:RR5115-0027R Сберегательное дело в России.gif in 1841]]

In 1991, the operations of the State Labor Savings Banks System of the USSR in the Russian Soviet Federative Socialist Republic were reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).

In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.{{Cite web |title=Sberbank of Russia – 1991–2008 |url=http://www.sberbank.ru/en/about/about_sberbank/history_achievements/y1991-2008_en |access-date=6 November 2014 |publisher=Sberbank.ru}}

Since 2007, Sberbank is led by former economy minister Herman Gref who is a very close friend of Vladimir Putin.{{Cite news |date=29 May 2015 |title=Top 1000 World Banks – Sales bring changes in CEE but Russia still rules |work=Reuters |url=https://www.reuters.com/article/2015/05/29/russia-sberbank-ceo-idUSR4N0YA01T20150529 |access-date=6 November 2015 }}

; 2011 Volksbank International acquisition

In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all Volksbank assets – banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on Volksbank business performance in 2011. Volksbank's total assets excluding Romania was €9.4 billion in June 2011.{{citation needed|date=December 2020}} On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to {{ill|VS Bank|uk}} ({{langx|uk|ВіЕс Банк}}).{{Cite news |title=VOLKSBANK змінює назву на VS Bank |language=Ukrainian |trans-title=VOLKSBANK changes its name to VS Bank |work=VS Bank website |url=http://www.vsbank.ua/ua/vs_bank |access-date=28 February 2018}}{{Cite news |date=28 November 2013 |title=VOLKSBANK ЗМІНЮЄ НАЗВУ НА VS BANK*: Протягом останніх двох років ми спостерігаємо ребрендинг у тій чи іншій формі вже у трьох банках із головними офісами у Львові... |language=Ukrainian |trans-title=VOLKSBANK MAKES A NAME ON VS BANK *: Over the past two years, we have seen rebranding in one form or another already in three banks with head offices in Lviv ... |work=volyn.com.ua |url=https://www.volyn.com.ua/news/43734-volksbank-zminyue-nazvu-na-vs-bank.html |access-date=28 February 2018}}

; 2012 Denizbank acquisition

In June 2012 Sberbank bought the Turkish DenizBank for Turkish lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was "partly nationalized by the governments of France, Belgium and Luxembourg".{{Cite news |last=Kramer |first=Andrew |date=8 June 2012 |title=Sberbank of Russia to Buy DenizBank for $3.5 Billion |work=New York Times |url=https://dealbook.nytimes.com/2012/06/08/sberbank-of-russia-to-buy-denizbank-for-3-5-billion/?_php=true&_type=blogs&_r=0 |access-date=12 September 2014}} The deal included DenizBank subsidiaries in Turkey, Austria and Russia.{{Cite news |date=8 June 2012 |title=Sberbank Announces Agreement to Acquire 99.85% of DenizBank |url=http://www.sberbank.at/nc/press/press-releases/press-release/artikel/sberbank-vereinbart-kauf-von-9985-der-denizbank/ |access-date=11 November 2015}}

After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed targeted sanctions on 12 September 2014, through the US Department of Treasury's Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Sectoral Sanctions Identifications (SSI) List.{{Cite web |date=12 September 2014 |title=Announcement of Expanded Treasury Sanctions within the Russian Financial Services, Energy and Defense or Related Materiel Sectors |url=https://www.treasury.gov/press-center/press-releases/Pages/jl2629.aspx |access-date=10 February 2018 |publisher=US Department of the Treasury}}{{Cite web |date=12 September 2014 |title=Ukraine-related Sanctions: OFAC has implemented the following Ukraine-related Sanctions |url=https://www.treasury.gov/resource-center/sanctions/OFAC-Enforcement/Pages/20140912.aspx |access-date=10 February 2018 |publisher=US Department of the Treasury}}{{Cite web |title=Executive Order – Blocking Property of Additional Persons Contributing to the Situation in Ukraine |date=20 March 2014 |url=https://obamawhitehouse.archives.gov/the-press-office/2014/03/20/executive-order-blocking-property-additional-persons-contributing-situat |access-date=10 February 2018 |publisher=The White House – Office of the Press Secretary}}{{Cite web |title=Ukraine-related Designations |url=http://www.treasury.gov/resource-center/sanctions/OFAC-Enforcement/Pages/20140320_33.aspx |access-date=6 April 2018 |website=www.treasury.gov}}{{Cite web |title=Specially Designated Nationals And Blocked Persons List (SDN) Human Readable Lists |url=http://www.treasury.gov/resource-center/sanctions/SDN-List/Pages/default.aspx |access-date=6 April 2018 |website=www.treasury.gov}}{{Cite web |date=30 July 2014 |title=Ukraine conflict: US and EU widen sanctions on Russia |url=https://www.bbc.com/news/world-europe-28551391 |access-date=10 February 2018 |publisher=BBC}}{{Cite web |last=President of The United States |date=10 March 2014 |title=Ukraine EO13660 |url=https://www.treasury.gov/resource-center/sanctions/Programs/Documents/ukraine_eo.pdf |access-date=10 February 2018 |publisher=Federal Register}}{{Cite web |last=President of The United States |date=19 March 2014 |title=Ukraine EO13661 |url=https://www.treasury.gov/resource-center/sanctions/Programs/Documents/ukraine_eo2.pdf |access-date=10 February 2018 |publisher=Federal Register}}{{Cite web |last=President of The United States |date=24 March 2014 |title=Ukraine EO13662 |url=https://www.treasury.gov/resource-center/sanctions/Programs/Documents/ukraine_eo3.pdf |access-date=10 February 2018 |publisher=Federal Register}} This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.{{CELEX|32014R0833|text=Council Regulation (EU) No 833/2014 of 31 July 2014 concerning restrictive measures in view of Russia's actions destabilising the situation in Ukraine}}{{Cite news |last1=Arshad Mohammed |last2=Bill Trott |date=12 September 2014 |title=U.S. steps up sanctions on Russia over Ukraine |work=Reuters |url=https://www.reuters.com/article/2014/09/12/us-ukraine-crisis-usa-sanctions-idUSKBN0H71N320140912 |access-date=12 September 2014 |archive-date=12 September 2014 |archive-url=https://web.archive.org/web/20140912181209/http://www.reuters.com/article/2014/09/12/us-ukraine-crisis-usa-sanctions-idUSKBN0H71N320140912 |url-status=dead }} Sanctions consist of access restriction to the EU and US capital markets.{{Cite news |date=12 September 2014 |title=US Slams Russia With Punishing New Sanctions |publisher=Business Insider |url=http://www.businessinsider.com/new-russia-sanctions-obama-putin-ukraine-2014-9?IR=T |access-date=10 November 2015}}{{Cite news |date=12 September 2014 |title=Obama team unveils new Russia sanctions |publisher=USA Today |url=https://www.usatoday.com/story/news/nation/2014/09/12/obama-russia-sanctions-vladimir-putin/15502067/ |access-date=10 November 2015}}{{Cite news |date=12 September 2014 |title=Sweeping new US and EU sanctions target Russia's banks and oil companies |work=The Guardian |url=https://www.theguardian.com/world/2014/sep/12/russia-sanctions-us-eu-banks-sberbank-oil-gazprom |access-date=10 November 2015}} After announcement of the sanctions, and by the end of July, Sberbank's market value had dropped the most market value among the world's major lenders plus investors moved $22 billion from Sberbank's market capitalization.{{Cite news |last=Halia Pavliva |date=28 July 2014 |title=Sberbank Drops as EU Sanctions on Russian Lenders Loom |work=Bloomberg News |publisher=Bloomberg L.P. |url=https://www.bloomberg.com/news/articles/2014-07-28/sberbank-drops-as-eu-sanctions-on-russian-lenders-loom |access-date=14 November 2014}} Still, during the following year Sberbank's share price grew back 89%.{{Cite news |last=Elena Popina |date=6 December 2015 |title=Sberbank Rally Seen Fading as Russia-Turkey Rift Increases Risk |work=Bloomberg News |publisher=Bloomberg L.P. |url=https://www.bloomberg.com/news/articles/2015-12-06/sberbank-rally-seen-fading-as-russia-turkey-rift-increases-risk- |access-date=11 December 2015}} Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.{{citation needed|date=December 2020}}

On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.{{Cite news |last=Baertschi |first=Antje |date=27 August 2014 |title=Situation in Ukraine: Federal Council decides on further measures to prevent the circumvention of international sanctions |work=Switzerland: Federal Administration website |location=Bern |url=https://www.news.admin.ch/en/nsb?id=54221 |access-date=27 February 2018 |archive-url=https://web.archive.org/web/20140908113316/https://www.news.admin.ch/message/index.html?lang=en&msg-id=54221 |archive-date=8 September 2014}}

On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.{{Cite web |date=22 December 2015 |title=Treasury Sanctions Individuals and Entities for Sanctions Evasion and Other Activities Related to Russia and Ukraine: Underscores U.S. Commitment To Work with the EU To Maintain The Efficacy of Existing Sanctions Until Russia Fully Complies With Its International Obligations With Respect To Ukraine |url=https://www.treasury.gov/press-center/press-releases/Pages/jl0314.aspx |access-date=10 February 2018 |publisher=US Department of the Treasury}}{{Cite web |date=22 December 2015 |title=Russia/Ukraine-related Sanctions and Identifications: Specially Designated Nationals List Update |url=https://www.treasury.gov/resource-center/sanctions/OFAC-Enforcement/Pages/20151222.aspx |access-date=10 February 2018 |publisher=US Department of the Treasury}}

On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz ({{langx|uk|«Колибри» стара назва – «Блиц»}}).{{Cite news |date=18 October 2016 |script-title=ru:Украина запретила деятельность «Золотой Короны» и других платежных систем из РФ: Украина расширила санкции в отношении РФ, ограничив, среди прочего, деятельность ряда российских платежных систем. Соответствующее решение закреплено указом президента Украины No. 467/2016, текст которого и соответствующие санкционные списки размещены на сайте главы государства |language=Russian |trans-title=Ukraine banned the activities of the "Golden Crown" and other payment systems from the Russian Federation: Ukraine has extended sanctions against the Russian Federation, limiting, among other things, the activities of a number of Russian payment systems. The corresponding decision is fixed by the decree of the President of Ukraine No. 467/2016, the text of which and corresponding sanctions lists are posted on the website of the head of state |work=mail.ru |agency=Interfax.ru |url=https://news.mail.ru/economics/27482781/ |access-date=27 February 2018 |archive-date=29 October 2016 |archive-url=https://web.archive.org/web/20161029044545/https://news.mail.ru/economics/27482781/ |url-status=dead }}{{Cite news |last=Пороше́нко |first=Петро́ Олексі́йович |author-link=Petro Poroshenko |date=17 October 2016 |script-title=uk:УКАЗ ПРЕЗИДЕНТА УКРАЇНИ No. 467/2016: Про рішення Ради національної безпеки і оборони України від 16 вересня 2016 року "Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)" |language=Ukrainian |trans-title=DECREE OF THE PRESIDENT OF UKRAINE No. 467/2016: On the decision of the National Security and Defense Council of Ukraine dated 16 September 2016 "On the application of personal special economic and other restrictive measures (sanctions)" |work=President of Ukraine website |url=https://www.president.gov.ua/documents/4672016-20640 |access-date=27 February 2018}}{{Cite web |last=Пороше́нко |first=Петро́ Олексі́йович |author-link=Petro Poroshenko |date=17 October 2016 |script-title=uk:Додаток 4 до рішення Ради національної безпеки і оборони України від 16 вересня 2016 року «Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)» ЮРИДИЧНІ ОСОБИ, до яких застосовуються обмежувальні заходи (санкції) |trans-title=Annex 4 to the decision of the National Security and Defense Council of Ukraine from 16 September 2016 "On the Application of Personal special economic and other restrictive measures (sanctions)": ENTITIES, to which restrictive measures (sanctions) apply |url=https://www.president.gov.ua/storage/j-files-storage/00/35/66/91a596fbc7c677ebfaf5d2e33e7de19a_1476776807.pdf |access-date=27 February 2018 |pages=63–64 (#155 Sberbank Russia), 69–70 (#167 Sberbank Leasing) |language=Ukrainian}}

On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank ({{langx|uk|ВіЕс Банк}})) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the war in Donbas.[https://www.unian.info/economics/2055479-ukraine-blocks-sale-of-subsidiaries-of-russias-sberbank-veb-media.html Ukraine blocks sale of subsidiaries of Russia's Sberbank, VEB – media], UNIAN (29 July 2017){{Cite news |last=Пороше́нко |first=Петро́ Олексі́йович |author-link=Petro Poroshenko |date=15 March 2017 |script-title=uk:УКАЗ ПРЕЗИДЕНТА УКРАЇНИ No. 63/2017: Про рішення Ради національної безпеки і оборони України від 15 березня 2017 року Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій) |language=Ukrainian |trans-title=DECREE OF THE PRESIDENT OF UKRAINE No. 63/2017: On the decision of the Council of National Security and Defense of Ukraine dated 15 March 2017 "On the Application of Personal Special Economic and Other Restrictive Measures (Sanctions)" |work=President of Ukraine website |url=http://www.president.gov.ua/documents/632017-21474 |access-date=28 February 2018}}{{Cite web |last=Пороше́нко |first=Петро́ Олексі́йович |author-link=Petro Poroshenko |date=16 March 2017 |script-title=uk:Глава держави затвердив санкції щодо низки російських банків |trans-title=The head of state has approved sanctions against a number of Russian banks |url=http://www.president.gov.ua/news/glava-derzhavi-zatverdiv-sankciyi-shodo-nizki-rosijskih-bank-40418 |access-date=28 February 2018 |publisher=President of Ukraine |language=Ukrainian}}

; Credit cards – both issuer and payment

As of May 2016, Sberbank dominated the card payments business in Russia with over 61% of the market. Sberbank's competitors in the card business are VTB Bank, Alfa-Bank, Tinkoff Bank, and Gazprombank which combined only had a 29% of the card business market.{{cite news |last=Берджис |first=Том (Burgis, Tom) |url=https://www.vedomosti.ru/finance/articles/2021/08/24/883451-bank-rossii-reformu |title=Швейцарский банк BSI помогал клиентам прятать активы и отмывать деньги: В числе клиентов BSI есть и российские олигархи |trans-title=Swiss bank BSI helped clients hide assets and launder money: Among BSI clients are Russian oligarchs |language=ru |work=«Ведомости» |date=12 May 2016 |access-date=24 August 2021 |archive-date=13 May 2016 |archive-url=https://web.archive.org/web/20160513000000/https://www.vedomosti.ru/finance/articles/2021/08/24/883451-bank-rossii-reformu}} [http://www.compromat.ru/page_36891.htm Alt URL]

; 2017 sale of VS Bank to Tihipko

In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, VS Bank ({{langx|uk|ВіЕс Банк}}) to Ukrainian businessman Serhiy Tihipko.{{Cite news |date=13 December 2017 |script-title=uk:Тігіпко купив українську "дочку" російського "Сбербанку" |language=Ukrainian |trans-title=Tigipko acquires Russian Sberbank's Ukrainian subsidiary |agency=UNIAN |url=https://economics.unian.ua/finance/2295086-tigipko-kupiv-ukrajinsku-dochku-rosiyskogo-sberbanku.html |access-date=28 February 2018}}

On 24 February 2022, as a result of the 2022 Russian invasion of Ukraine, US president Joe Biden announced sanctions against additional Russian individuals and companies, including new restrictions on Sberbank's operations,{{cite web |title=FACT SHEET: Joined by Allies and Partners, the United States Imposes Devastating Costs on Russia |url=https://bidenwhitehouse.archives.gov/briefing-room/statements-releases/2022/02/24/fact-sheet-joined-by-allies-and-partners-the-united-states-imposes-devastating-costs-on-russia/ |website=The White House |date=24 February 2022 |access-date=25 February 2022}} after which Sberbank's stock lost more than half of its value.{{cite web|url=https://www.telegraph.co.uk/business/2022/02/28/russias-sberbank-plunges-amid-warnings-collapse/|title=Russia's Sberbank plunges amid warnings over collapse|website=The Telegraph|date=28 February 2022}}

On 25 February 2022 the banking licence of Sberbank in Ukraine was revoked.{{cite news |title=Ukraine c.bank revokes license of Russia's Sberbank subsidiary -Ifax |work=Reuters |date=25 February 2022 |url=https://www.reuters.com/business/finance/ukraine-cbank-revokes-license-russias-sberbank-subsidiary-ifax-2022-02-25/ |access-date=4 January 2023}}

On 28 February 2022, Sberbank Europe was facing bankruptcy as a consequence of the sanctions. Deutsche Börse suspended trading of Sberbank stock.{{Cite web |url=https://www.reuters.com/markets/europe/european-banks-set-open-lower-after-raft-fresh-sanctions-2022-02-28/ |title=ECB says Sberbank likely to fail; Germany drops Russia issuers |date=2022-02-28 |access-date=2022-02-28 |work=Reuters}}{{Cite web |url=https://www.fma.gv.at/fma-ordnet-im-auftrag-des-srb-ein-moratorium-fuer-die-sberbank-europe-ag-an-zahlungs-und-lieferverpflichtungen-bis-1-maerz-2022-ausgesetzt/ |title=FMA ordnet im Auftrag des SRB ein Moratorium für die "Sberbank Europe AG" an: Zahlungs- und Lieferverpflichtungen bis 1. März 2022 ausgesetzt. |date=2022-02-28 |access-date=2022-02-28 |website=Österreichische Finanzmarktaufsichtsbehörde}}{{cite web|url=https://www.reuters.com/markets/europe/european-banks-set-open-lower-after-raft-fresh-sanctions-2022-02-28/|title=Russia's Sberbank in Europe faces closure after savers demand money|work=Reuters|date=28 February 2022}} Two days later, Sberbank Europe declared that it was leaving the European market.{{Cite web|url=https://tass.ru/ekonomika/13926049|title=Сбербанк уходит с европейского рынка|language=ru|date=2022-03-02|publisher=ТАСС}}

Visa and Mastercard suspended their activities in Russia at the beginning of March 2022.{{Cite web|url=https://en.interfax.com.ua/news/general/817913.html|title=Visa, Mastercard restrict card operations for 5 sanctioned Belarusian banks |agency=Interfax}} Cards of these systems issued by Russian banks no longer worked outside of Russia, and all Visa cards issued outside of Russia no longer work within Russia.

In April 2022, Apple and Google removed Sberbank mobile apps from their stores. The Android application can be downloaded from the bank's website, but iPhone users did not have this option.{{Cite web|url=https://www.vedomosti.ru/finance/news/2022/04/13/917859-google-sberbanka|title=Google убрал приложение Сбербанка из Google Play|date=2022-04-13|language=ru|work=Vedomosti}} In August, the SBOL application appeared in the App Store. It does not formally belong to Sber, but it fully reproduces the functionality of the removed application.{{Cite web|url= https://appleinsider.ru/tips-tricks/v-app-store-vyshel-sbol-novyj-sberbank-onlajn-dlya-iphone-stoit-li-ego-kachat.html|title=В App Store вышел СБОЛ — новый Сбербанк Онлайн для iPhone. Стоит ли его качать|date=2022-08-16|language=ru|website=appleinsider.ru}} A week later, this app was also removed from App Store.{{Cite web|url=https://www.banki.ru/news/lenta/?id=10971011|title=Продержался недолго: аналог СберБанка Онлайн исчез из App Store|language=ru|date=2022-08-23|website=banki.ru}} Deputy Chairman of the Board of Sberbank Stanislav Kuznetsov, speaking at the Eastern Economic Forum, spoke about new applications allegedly distributed on behalf of Sberbank. According to him, all new applications on the AppStore hosted by Sberbank have nothing in common with it. Kuznetsov noted that these are programs for fraudsters to remotely access a smartphone to steal passwords and bank card numbers."Сбер предупредил об опасности нового «Сбербанк Онлайн»" vbr.ru (in Russian). 13 September 2023.

In July 2022 the EU imposed sanctions on Sberbank in relation to the 2022 Russian invasion of Ukraine.{{CELEX|32022R1270|text=Council Implementing Regulation (EU) 2022/1270 of 21 July 2022 implementing Regulation (EU) No 269/2014 concerning restrictive measures in respect of actions undermining or threatening the territorial integrity, sovereignty and independence of Ukraine}} Sberbank was also sanctioned by New Zealand in 2022.{{cite web |title=Russia Sanctions Regulations 2022 |url=https://www.legislation.govt.nz/regulation/public/2022/0074/latest/LMS659655.html |access-date=11 February 2023}}

During 2022 and 2023 many overseas subsidiaries lost their licences, closed, were sold, or went into receivership.

In July 2024, Russian FIT LLC, the developer of the PayQR contactless payment service, filed a lawsuit against Sberbank in the Moscow Arbitration Court. The plaintiff accuses Sberbank of violating exclusive rights to the PayQR design elements. Sberbank uses its own SberPay QR service. The amount of the claim is 2.9 billion rubles (about $333 million). The hearing is scheduled for November 2024.{{Cite web|url=https://www.kommersant.ru/doc/6880275|title=К Сбербанку пришли за QR-платежом|language=ru|date=2024-08-08|website=Kommersant}}

In July 2024, Sberbank began paying “record” dividends for 2023. One share is worth 33.3 rubles, and the total amount will be 752 billion rubles ($8.5 billion). Half of it will go to the state, and the other half will be distributed among 1.8 million private shareholders.{{Cite web|url=https://www.banki.ru/news/lenta/?id=11004942|title=Сбер начал выплату рекордных дивидендов|language=ru|date=2024-07-19|website=Banki.ru}}

On August 16, Sberbank disclosed for the first time in three years the amount spent on remuneration of top management and key executives. In total, they were paid 28 billion rubles (over $300 million) for 2023. This amount is distributed among approximately 650 employees.{{Cite web|url=https://www.kommersant.ru/doc/6903670|title=Сбербанк раскрыл размер вознаграждения ключевым менеджерам за 2023 год|language=ru|date=2024-08-16|website=Kommersant}}

In February, 2025, Sberbank planned for an collaboration with Chinese researchers on AI projects after the event of DeepSeek's cost-effective AI model development. The bank aims for a joint research initiatives with China with their own scientists.

{{Cite news |date=February 6, 2025 |title=After DeepSeek leap forward, Russia's Sberbank plans joint AI research with China |url=https://www.reuters.com/technology/artificial-intelligence/after-deepseek-leap-forward-russias-sberbank-plans-joint-ai-research-with-china-2025-02-06/}}

In 2020, Sberbank undertook a rebranding. In addition to changing the logo and legalizing the reduction "Sber", the company announced the transformation of the bank into an "ecosystem". Sberbank decided to become "more than a bank" and began to develop various services, mainly digital: online cinema (Okko), music (SberSound), food delivery (SberMarket), cloud storage (SberDisk), taxi (Citymobil).{{Cite web|url=https://frankrg.com/25108|title=Больше не банк: Сбербанк провел ребрендинг и представил новые сервисы|language=ru|date=2020-09-24|publisher=frankrg.com}}

Initially, the "ecosystem" was built in partnership with the large Internet holding Mail.ru Group, for which a joint venture O2O (online-to-offline) Holding was created with a capital of about 100 billion rubles. However, in the spring of 2021, the parties decided to end cooperation due to disagreements over management methods and corporate culture.{{Cite web|url=https://www.rbc.ru/business/29/03/2021/60620d189a79473fc0dcd651|title=FT узнала о переговорах с Кремлем о "разводе" "Сбера" и Mail.ru|language=ru|date=2021-03-29|publisher=RBC}}

Another component of the "ecosystem" is pharmacies. Having launched an online service, Sber Eapteka (e-drugstore), Sber soon decided to expand the business and open pharmacies in its own branches. It is assumed that purchases there will be more profitable due to targeted packaging of drugs, as well as the production of its own generics.{{Cite web|url=https://ko.ru/news/sberbank-otkroet-apteki-v-svoikh-otdeleniyakh/|title=Сбербанк откроет аптеки в своих отделениях|language=ru|date=2021-04-27|publisher=ko.ru}}

In the summer of 2021, Sberbank announced the implementation of the sabbatical practice. Employees are allowed to take unpaid leave of up to a year—with the retention of their jobs (although this required the consent of the immediate supervisor). They are also allowed to work remotely for three months a year.{{Cite web|url=https://meduza.io/news/2021/06/07/sabbatikal-stanovitsya-novym-trendom-sber-razreshil-svoim-sotrudnikam-brat-godovoy-neoplachivaemyy-otpusk|title="Саббатикал становится новым трендом». "Сбер" разрешил своим сотрудникам брать годовой неоплачиваемый отпуск|language=ru|date=2021-06-07|publisher=Meduza}}

After price liberalization in the early 1990s, the state and Sberbank effectively abandoned guarantees to secure citizens' deposits,[http://www.ecsocman.edu.ru/data/233/234/1217/010_sycheva.pdf В. С. Сычёва Обнищание «народных масс» России] // Социологические исследования. — 1994. — № 3. — С. 66—69. as a result of their depreciation, which, according to sociological surveys, caused a sharp dissatisfaction of the population.Людмила Преснякова [https://bd.fom.ru/report/map/d070822/ Банковские вклады, «сгоревшие» в 1992 году] {{Webarchive|url=https://web.archive.org/web/20210124162546/https://bd.fom.ru/report/map/d070822/|date=24 January 2021}} // Фонд «Общественное мнение», 22.02.2007 Since 1996 there has been a phased compensation of depositors' losses.{{Cite web |title=История выплаты компенсаций по вкладам физических лиц |url=https://www.sberbank.ru/ru/person/contributions/compensation/history |url-status=live |archive-url=https://web.archive.org/web/20200927193052/https://www.sberbank.ru/ru/person/contributions/compensation/history |archive-date=2020-09-27 |access-date=2020-09-27}} Since February 16, 2008 Sberbank branches have started to pay compensation on Soviet deposits to certain categories of population.[https://lenta.ru/news/2008/04/16/sber/ Сбербанк России начал выплачивать компенсации по советским вкладам] // Lenta.ru, 16.04.2008 г.

The law on full compensation of deposits taking into account changes in the real value of the ruble was adopted in 1995, but since 2003 the start of payments has been regularly postponed. In 2019, a law was adopted to postpone the start of payments to 2023 once again.{{Cite web |date=2019-12-02 |title=Путин подписал закон о переносе на год компенсации советских вкладов |url=https://www.rbc.ru/rbcfreenews/5de571eb9a7947326258305f |url-status=live |archive-url=https://web.archive.org/web/20230325171307/https://www.rbc.ru/rbcfreenews/5de571eb9a7947326258305f |archive-date=2023-03-25 |access-date=2023-08-04 |website=РБК}} As of 2022, repayment of the entire debt of RUB 345.54 billion in 2023 would require RUB 62.7 trillion (including indexation). In the fall of 2022, the government sent a bill to the State Duma to move the deadline to early 2026.{{Cite web |date=2022-09-28 |title=Кабмин внес в Думу законопроект о продлении приостановки выплат по вкладам CCCР |url=https://tass.ru/ekonomika/15896245 |url-status=live |archive-url=https://web.archive.org/web/20230317214612/https://tass.ru/ekonomika/15896245 |archive-date=2023-03-17 |access-date=2023-08-04 |publisher=ТАСС}}

The majority shareholder of Sberbank is the Russian National Wealth Fund managed by the Government of Russia (until 2020 the Central Bank of the Russian Federation), owning 50%+1 voting share of Sberbank's voting shares. The rest of the shares are dispersed among portfolio, private and other investors.{{Cite web|title=Правительство купило Сбербанк у ЦБ|url=https://www.vedomosti.ru/finance/articles/2020/04/10/827726-pravitelstvo-kupilo-sberbank|access-date=2021-01-25|website=Ведомости|date=10 April 2020 |language=ru}}

Russia's central bank cannot sell its stake without a change in Russia's laws.{{Cite news |title=Федеральный закон от 10.07.2002 N 86-ФЗ (ред. от 05.10.2015) "О Центральном банке Российской Федерации (Банке России)" |work=КонсультантПлюс |url=http://www.consultant.ru/document/cons_doc_LAW_37570/89620eeb7768b5614444779ce78d491664bef58e/ |access-date=11 November 2015}}{{Cite news |title=Сбербанк могут продать без закона |work=Газета Коммерсантъ |url=http://www.kommersant.ru/doc/2019143 |access-date=11 November 2015}}

The president and chief executive officer is Herman Gref, confirmed by the board of directors on 16 October 2007.{{Cite web |title=About Sberbank: Management |url=https://www.sberbank.ru/en/about/about_sberbank/sb_management/governance |access-date=26 February 2018 |website=Sberbank website}}

Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the senior vice chairman of the board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank.{{Cite news |last1=Becker |first1=Jo |last2=Rosenberg |first2=Matthew |last3=Haberman |first3=Maggie |last4=Schmidt |first4=Michael S. |last5=MacFarquhar |first5=Neil |date=27 March 2017 |title=Senate Committee to Question Jared Kushner Over Meetings With Russians |work=New York Times |url=https://www.nytimes.com/2017/03/27/us/politics/senate-jared-kushner-russia.html |access-date=26 February 2018}}{{Cite news |date=26 February 2016 |script-title=ru:Путин назначил Сергея Горькова главой ВЭБ: Горьков до этого назначения работал заместителем председателя правления Сбербанка и курировал работу блока международных операций |language=Russian |trans-title=Putin appointed Sergei Gorkov head of VEB: Gorkov before this appointment worked as the deputy chairman of the board of Sberbank and supervised the work of the block of international operations |work=TASS |url=https://tass.ru/ekonomika/2697259 |access-date=26 February 2018}}{{Cite news |last=Pudenko |first=Peter |date=26 February 2016 |script-title=ru:«У него все хорошо при нынешнем режиме»: кто такой Сергей Горьков |language=Russian |trans-title="He is doing well under the current regime": who is Sergei Gorkov |work=Forbes Russia |url=https://www.forbes.ru/finansy/igroki/313415-u-nego-vse-khorosho-pri-nyneshnem-rezhime-kto-takoi-sergei-gorkov |access-date=26 February 2018}}{{Cite news |script-title=ru:Горьков, Сергей Николаевич |language=Russian |trans-title=Gorkov, Sergei Nikolayevich |work=TASS |url=https://tass.ru/encyclopedia/person/G/gorkov-sergey-nikolaevich |access-date=26 February 2018}}{{Cite news |date=26 February 2016 |script-title=ru:Биография Сергея Горькова |language=Russian |trans-title=Biography Sergei Gorkov |work=RIA Novosti |url=https://ria.ru/spravka/20160226/1380667291.html |access-date=26 February 2018}} He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006){{Cite web |title=SB of Sberbank JSC |url=https://www.sberbank.ru/en/about/global_business/subsidiary_banks/kz_en |access-date=26 February 2018 |website=Sberbank website}} and Ukraine (December 2007),{{Cite web |title=Sberbank Ukraine: Bank' history |url=https://en.sberbank.ua/history/ |access-date=26 February 2018 |website=Sberbank (Ukraine) website |archive-date=22 February 2019 |archive-url=https://web.archive.org/web/20190222152007/https://en.sberbank.ua/history/ |url-status=dead }} to over twenty countries including Belarus (2009),{{Cite web |title=BPS-Sberbank OJSC |url=https://www.sberbank.ru/en/about/global_business/subsidiary_banks/bel_en |access-date=26 February 2018 |website=Sberbank website}} Germany (2009),{{Cite web |title=Representative Office of Sberbank of Russia in Germany |url=https://www.sberbank.ru/en/about/global_business/rep_offices/germany |access-date=26 February 2018 |website=Sberbank website}} China (2010),{{Cite web |title=Representative Office of Sberbank of Russia in Beijing |url=https://www.sberbank.ru/en/about/global_business/rep_offices/china |access-date=26 February 2018 |website=Sberbank website}} India (September 2010),{{Cite web |title=Branch of Sberbank of Russia in India |url=http://www.sberbank.ru/en/about/global_business/branches/india_en |access-date=26 February 2018 |website=Sberbank website}} Switzerland (31 December 2011),{{Cite web |title=Company Overview of Sberbank (Switzerland) AG |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=12487841 |access-date=26 February 2018 |website=Bloomberg}} Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),{{Cite web |title=Company Overview of Sberbank Europe AG |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=23699428 |access-date=26 February 2018 |website=Bloomberg}} Bosnia-Herzegovina (20 February 2013),{{Cite web |title=Company Overview of Sberbank BH d.d. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=26943312 |access-date=26 February 2018 |website=Bloomberg}} Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),{{Cite web |title=Company Overview of Sberbank Magyarország Zrt. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=22227445 |access-date=26 February 2018 |website=Bloomberg}} Croatia (February 2012),{{Cite web |title=Company Overview of Sberbank Nekretnine d.o.o. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=262719622 |access-date=26 February 2018 |website=Bloomberg}} Czech Republic (20 February 2013),{{Cite web |title=Company Overview of Sberbank CZ, a.s. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=32434027 |access-date=26 February 2018 |website=Bloomberg}} Slovenia (28 January 2013), Serbia (24 December 2012),{{Cite web |title=Company Overview of Sberbank Serbia a.d. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=49100526 |access-date=26 February 2018 |website=Bloomberg}} Slovakia (15 February 2013),{{Cite web |title=Company Overview of Sberbank Slovensko, a.s |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=20411325 |access-date=26 February 2018 |website=Bloomberg}} and Turkey (acquisition of DenizBank in September 2012).{{Cite web |title=Sberbank: History |url=https://www.sberbank.com/about/history |access-date=26 February 2018 |website=Sberbank website}}{{Cite web |title=About Sberbank |url=http://www.sberbank.ru/en/about/about_sberbank |access-date=26 February 2018 |website=Sberbank website}}{{Cite web |title=Sberbank: Global Business |url=https://www.sberbank.ru/en/about/global_business |access-date=26 February 2018 |website=Sberbank website}}{{Cite web |title=Company Overview of Sberbank a.d. |url=https://www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=184152057 |access-date=26 February 2018 |website=Bloomberg}} Following Gorkov's departure, Svetlana Alekseyevna Sagaydak ({{langx|ru|Светлана Алексеевна Cагайдак}}) became the new Senior Vice Chairman of the Board.

The chairman of the supervisory board of Sberbank (since April 2021) is Anton Siluanov, Minister of Finance of Russia.{{Cite web|url=https://www.sberbank.com/investor-relations/corporate-governance/supervisory_board|title=Members of the Supervisory Board of SberBank|access-date=2021-06-07|publisher=official site}}

Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.{{Cite news |last1=Болецкая |first1=Ксения |last2=Воронова |first2=Татьяна |newspaper=Ведомости |date=19 January 2016 |script-title=ru:Бывший главный редактор «РИА Новости» готовится работать в Сбербанке: Светлана Миронюк с 1 февраля может возглавить департамент маркетинга и коммуникаций |language=Russian |trans-title=Former editor-in-chief of RIA Novosti is preparing to work in Sberbank: From 1 February, Svetlana Mironyuk can head the Marketing and Communications Department |publisher=Vedomosti |url=https://www.vedomosti.ru/finance/articles/2016/01/19/624602-bivshii-glavnii-redaktor-ria-novosti-gotovitsya-rabotat-v-sberbanke |access-date=4 May 2018}}{{Cite news |date=1 February 2016 |script-title=ru:Светлана Миронюк назначена старшим вице-президентом Сбербанка |language=Russian |trans-title=Svetlana Mironyuk appointed senior vice president of Sberbank |publisher=Vedomosti |url=http://www.vedomosti.ru/finance/news/2016/02/01/626249-mironyuk |access-date=4 May 2018 |newspaper=Ведомости }}

In February 2022, Sverbank announced foundation of its own e-commerce holding, headed by its former top-manager Lev Khasis but in a week on Feb 22,2022 he left Sberbank.{{Cite web|url=https://tass.ru/ekonomika/13712347|title=Сбер создаст холдинг e-commerce|language=ru|date=2022-02-15|publisher=ТАСС}}

File:Банкомат Сбербанка.jpg of Sberbank]]

File:Sinopskaya Embankment 01.jpg ]]

File:Sign of Sberbank in Ust-Koksa.jpg in Ust-Koksa, Altai Republic ]]

File:Сбербанк Хабаровск.png]]

File:Sberbank's office - panoramio.jpg]]

File:Сбербанк (Тюмень).jpg]]

File:Сбербанк в Смоленске.jpg]]

As of 2015 the bank had about 16,500 offices with over 250,000 employees.{{Cite news |title=Sberbank – About Us |work=Sberbank.ru |url=http://sberbank.com/about |access-date=9 November 2015}} According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.

As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself "the circulatory system of the Russian economy","key lender to the Russian economy and the biggest receiver of deposits".

Within Russia, Sberbank is structured into several regional divisions (territorial banks):

File:SBRFAtyrau.JPG, Kazakhstan]]

The 19 August 2021 Supreme Court of Ukraine ruling forbids the daughter of the Russian Sberbank in Ukraine to use the trademark "Sberbank" since it ruled that Oschadbank is the sole legal owner of the trademark "Sberbank" in Ukraine.{{in lang|uk}} [https://www.epravda.com.ua/news/2021/08/20/677091/ The Supreme Court ordered the daughter of Sberbank to change its name - Oschadbank won the case], Ukrayinska Pravda (20 August 2021)

In November 2021, aiming to focus on priority markets, Sberbank Europe AG sold associated banks in Bosnia and Herzegovina (Sberbank a.d. Banja LuKa and Sberbank BH d.d. Sarajevo), in Croatia (Sberbank d.d.), in Hungary (Sberbank Magyarorszag Zrt.), in Serbia (Sberbank Srbija a.d. Beograd) and in Slovenia (Sberbank banka d.d.) to Serbian MK Group for about 500 million Euros.{{Cite web|url=https://www.interfax.ru/business/801286|title=Сбербанк продаст несколько дочек в Европе на сумму около 500 млн евро|language=ru|date=2021-11-03|publisher=Интерфакс}}

On 1 April 2022 Sberbank CIB (UK) Limited went into Administration.{{cite web |title=Sberbank CIB (UK) Limited |url=http://www.sberbank-cib.co.uk |access-date=4 January 2022}} The affairs of Sberbank CIB USA, Inc were also placed into wound down from April 2022.{{cite web |title=Authorizing the Wind Down of Sberbank CIB USA, Inc. |url=https://home.treasury.gov/system/files/126/russia_gl21.pdf |access-date=4 January 2023}}

On 23 August 2022 Kazakh financial holding Baiterek announced the purchase of the Kazakhstani Sberbank subsidiary.{{Cite web |title=Russian lender Sberbank agrees sale of Kazakh subsidiary |website=Reuters |url=https://www.reuters.com/markets/deals/russian-lender-sberbank-agrees-sale-kazakh-subsidiary-2022-08-23/ |access-date=2024-04-05}}

Sberbank Switzerland was sold in September 2022 to m3 Groupe Holding SA and will trade as TradeXBank AG in future.{{cite web |title=Sberbank sold a subsidiary bank in Switzerland |date=3 September 2022 |url=https://eurasiabusinessnews.com/2022/09/03/sberbank-sold-a-subsidiary-bank-in-switzerland/ |access-date=4 January 2023}}

On 15 December 2022 Sberbank Europe AG banking licence lapsed and can no longer trade.{{cite web |title=The banking operations of Sberbank Europe AG have been discontinued |date=4 January 2023 |url=https://www-finanstilsynet-no.translate.goog/nyhetsarkiv/nyheter/2023/bankvirksomheten-i-sberbank-europe-ag-er-avviklet/?_x_tr_sl=no&_x_tr_tl=en&_x_tr_hl=en&_x_tr_pto=sc |access-date=4 January 2023}} On 29 December 2022 Sberbank CIB (UK) Ltd and SIB (Cyprus) Limited were removed as member firms of the London Stock Exchange.{{cite web |title=Sberbank CIB (UK) Ltd |url=https://www.londonstockexchange.com/information-sheet/sberbank-cib-uk-ltd/2022/103 |access-date=4 January 2023}}

Sberbank will be closing its office in the UAE in 2023 as a result of sanctions pressure.{{cite web |title=Sanctions Pressure to Force Russia's Sberbank to Close UAE Office, Company Says – Latest Tweet by Reuters |date=26 December 2022 |url=https://www.latestly.com/socially/world/sanctions-pressure-to-force-russias-sberbank-to-close-uae-office-company-says-latest-tweet-by-reuters-4636576.html |access-date=26 December 2022}}

On 16 June 2023 Sberbank announced that it had sold the Austrian bank Sber Vermögensverwaltungs AG in Abwicklung (formerly Sberbank Europe AG) to an unnamed Austrian company. It was the last subsidiary of Sberbank in Europe.{{Cite web|url=https://www.rbc.ru/business/16/06/2023/648c4bcb9a79470a2dd5ba28|title=Сбербанк вышел с банковского рынка Европейского союза|language=ru|date=2023-06-16|website=Rbc.ru}}

In the fall of 2023, Sberbank announced the opening of a branch in China. Also, to work with Chinese clients in the Russian border territories, the bank registered the trademark Сбер银行.{{Cite web|url=https://www.rbc.ru/business/05/09/2023/64f647189a7947570f865e8e|title=Сбербанк объяснил регистрацию товарного знака "Сбер银行"|language=ru|date=2023-09-05|website=RBK}}

In October 2023, Sberbank launched a line of Islamic finance products: the Adafa interest-free card and the Amana account, which complies with the AAOIFI standard. Products are available in nine regions of Russia, including Moscow, Tatarstan and Chechnya.{{Cite web|url=https://www.banki.ru/news/lenta/?id=10993989|title="Адафа" и "Амана". Сбербанк запустил новые продукты в рамках исламского финансирования|language=ru|date=2023-10-19|website=banki.ru}}

File:IceClimbingDemonstration at the Winter Olympics Sochi2014.jpg at the 2014 Winter Olympics, sponsored by Sberbank]]

Sberbank sponsors sports and charity events in various regions of Russia,{{Cite web |title=Поволжский банк проводит донорский марафон "СБЕРегая тепло сердец" |date=12 October 2015 |url=http://www.kommersant.ru/doc/2830622 |access-date=11 November 2015 |publisher=Коммерсант.ру}}{{Cite web |title=Собрать детей в школу помогли сотрудники Западно-Уральского банка Сбербанка России |url=http://bankir.ru/novosti/s/sobrat-detei-v-shkolu-pomogli-sotrudniki-zapadno-uralskogo-banka-sberbanka-rossii-10111502/ |access-date=11 November 2015 |publisher=Bankir.ru}}{{Cite web |title=Сбербанк предоставил льготные условия обслуживания благотворительным организациям |url=http://bankir.ru/novosti/s/sberbank-predostavil-lgotnye-usloviya-obsluzhivaniya-blagotvoritelnym-organizatsiyam-10111826/ |access-date=11 November 2015 |publisher=Bankir.ru}} as well as educational projects{{Cite web |title=В Рязанском отделении Сбербанка стартовал проект "Электронная деревня" |date=October 2015 |url=http://7info.ru/news/world-economy/v_rjazanskom_otdelenii_sberbanka_startoval_proekt_elektronnaja_derevnja/ |access-date=11 November 2015 |publisher=РЯЗАНСКОЕ ИНФОРМАЦИОННОЕ АГЕНТСТВО 7Info}}{{Cite web |title=Поволжский банк открыва |date=11 November 2015 |url=http://www.kommersant.ru/doc/2851419 |access-date=11 November 2015 |publisher=Коммерсант.ру}} including projects developing financial literacy.{{Cite web |title=Сбербанк запустил сайт для повышения финансовой грамотности россиян |url=http://www.the-village.ru/village/business/news/164625-finansi-prosto |access-date=11 November 2015 |publisher=The Village}}{{Cite web |title=Charity and sponsorship |url=http://2014.report-sberbank.ru/en/sr/social-impact/charity-and-sponsorship/ |access-date=11 November 2015 |publisher=report-sberbank.ru}}

{{See also|1998 Russian financial crisis}}

Sberbank is the successor of Soviet Saving Banks (as it name implies), whose assets belonged to the state.[http://www.bibliotekar.ru/finansovoe-pravo-3/39.htm § 3. Правовое регулирование сберегательного дела. Виды вкладов]. Грачева Е. Ю., Соколова Э. Д. Финансовое право: Учебное пособие. — 2-е изд., испр. и доп. — М.: Юриспруденция, 2000. — 304 с. {{in lang|ru}}. {{ISBN|5-8401-0042-0}}. During Russia's transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens' deposits.[http://www.ecsocman.edu.ru/data/233/234/1217/010_sycheva.pdf Обнищание «народных масс» России]. В. С. Сычёва. Социологические исследования. 1994. — No. 3. — С. 66-69. Автор – канд. социол. наук, ст. н. с. {{in lang|ru}}. Institute of Sociology of RAS. This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[http://bd.fom.ru/report/map/d070822/printable/ Банковские вклады, «сгоревшие» в 1992 году] {{in lang|ru}}. Lyudmila Presnyakova. Fund «Общественное мнение». 22.02.2007. Since 1996, partial compensation for investors' losses has been offered.[https://web.archive.org/web/*/lenta.ru/news/2008/04/16/sber/_Printed.htm Сбербанк России начал выплачивать компенсации по советским вкладам] {{in lang|ru}}. Lenta.ru. 16.04.2008. However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.Banking and Deposit Insurance in Russia. World Bank, 2006, p.14 {{Cite web |title=Banking and Deposit Insurance in Russia |url=http://ns.worldbank.org.ru/files/rer/RER_9.2_eng.pdf |url-status=dead |archive-url=https://web.archive.org/web/20090320113156/http://ns.worldbank.org.ru/files/rer/RER_9.2_eng.pdf |archive-date=20 March 2009 |access-date=20 August 2008 |df=dmy-all}}

The law of 1995 assumed that in 2003 the repayment of debts to the population would begin, taking into account the real value of the ruble at the current moment. However, for 20 years, the start of payments was regularly postponed. As of 2022, the full repayment of the debt would cost the state almost 200 trillion rubles. In the fall of 2022, the government introduced a bill on a new delay - until 2026.{{Cite web|url=https://tass.ru/ekonomika/15896245|title=Кабмин внес в Думу законопроект о продлении приостановки выплат по вкладам CCCР|language=ru|date=2022-09-28|publisher=ТАСС}}

In the early 2000s, Sberbank was repeatedly blamed for poor service.[http://www.kreml.org/opinions/114309706 Очереди в Сбербанк остаются огромными]. Sergey Oznobischev. Kreml.org. {{in lang|ru}}. 31.03.2006.[http://www.kommersant.ru/doc/702116 В погоне за длинным гудком] Yelena Kovalyova. Kommersant Dengi. (Russian). No. 35(591), 04.09.2006. In subsequent years, Sberbank introduced new services{{Cite web |title=Новая система работы для ускорения обслуживания клиентов Сбербанка |url=http://banki-vrn.ru/action/10956-novaya-sistema-raboty-dlya-uskoreniya-obsluzhivaniya-klientov-sberbanka.html |access-date=11 November 2015 |publisher=Банковский портал Воронежа}} and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,{{Cite web |title=Private Deposit CX Rank 2015 |url=http://www.markswebb.ru/e-finance/private-deposit-cx-rank-2015/ |access-date=11 November 2015 |publisher=Markswebb - Аналитическое агентство}} premium services{{Cite web |title=Эксперты назвали лучшие банки для премиального обслуживания |date=21 July 2015 |url=http://money.rbc.ru/news/561546219a7947095c7dc43c |access-date=11 November 2015 |publisher=РБК}} and several others.

{{See also|Hermitage Capital Management}}

Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in a {{Ill|Hermitage Capital Management case|ru|Дело Hermitage Capital Management}} in Russia.{{Cite news |last=Kramer |first=Andrew E. |date=2 August 2017 |title=Marc Kasowitz, Trump Lawyer, Also Represents a Russian Bank |work=New York Times |url=https://www.nytimes.com/2017/08/02/world/europe/marc-kasowitz-trump-lawyer-also-represents-a-russian-bank.html |access-date=3 February 2018}} Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya and Louis Freeh, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.{{sfn|Unger|2018|p=218}}{{cite news |last=Bertrand |first=Natasha |author-link=Natasha Bertrand |url=https://www.businessinsider.com/fbi-director-louis-freeh-russia-prevezon-money-laundering-2017-11 |title=Former FBI director represented Russian firm at center of major money-laundering probe |work=Business Insider |date=November 16, 2017 |access-date=January 25, 2021}}{{efn|Prevezon's attorney Louis Freeh was Director of the FBI from 1 September 1993 until 25 June 2001.{{sfn|Unger|2018|p=218}}{{cite news |url=https://www.fbi.gov/history/directors/louis-j-freeh |title=Louis J. Freeh, September 1, 1993 - June 25, 2001 |work=FBI website |date= |access-date=January 25, 2021}} In November 2017, Katsyv's company Prevezon stated that it would pay the fine using money from AFI Europe, which is a subsidiary of Lev Leviev's Africa Israel Investments. In May 2018, Freeh purchased a $9.38 million home from Armen A. Manoogian in Palm Beach, Florida, near Mar-a-Lago where Freeh often attends events.{{sfn|Unger|2018|p=219}}{{cite news |last=Hofheinz |first=Darrell |url=https://www.palmbeachdailynews.com/news/local/document-links-fbi-head-louis-freeh-palm-beach-house-purchase/1nLZ9zH3y1hXrspMix3FjI/ |title=Deed: Ex-FBI head Louis Freeh linked to $9.38M home purchase |work=Palm Beach Daily News |date=March 30, 2018 |access-date=January 25, 2021 |archive-date=2 February 2021 |archive-url=https://web.archive.org/web/20210202125823/https://www.palmbeachdailynews.com/news/local/document-links-fbi-head-louis-freeh-palm-beach-house-purchase/1nLZ9zH3y1hXrspMix3FjI/ |url-status=dead }}}}

In United States court, Sergey P. Poymanov ({{Langx|ru|Сергей Пойманов}}), a Voronezh-based businessman, sued Sberbank, several of its subsidiaries and executives, and a business rival for 750 million rubles, claiming that a valuable granite gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.

In January 2017 Herman Gref, a bank chief executive, has personally commented on Poymanov case, referring to the latter as a "fraudster" and accusing him of not paying loands and debts, and that Poymanov is charged with a felony. He said that Poymanov "extracted" a lot of money out of the company and that he was offered with a restructuring of his loans but allegedly refused.{{Cite web |title=Греф ответил на обвинения в рейдерском захвате "Павловскгранита" |url=https://www.interfax.ru/russia/546901 |access-date=2022-05-17 |website=Interfax.ru |date=25 January 2017 |language=ru}}

Poymanov was subsequently charged with a bunch of misdemeanors and arrested on May 24, 2017, by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.{{Cite news |title=Бывший владелец "Павловскгранита" Сергей Пойманов проиграл в суде США |language=ru |work=Ведомости |url=https://www.vedomosti.ru/business/articles/2017/08/03/727772-pavlovskgranita-poimanov-proigral |access-date=2022-05-17}} He was charged with alleged embezzlement of company's money amounting to almost 1 billion rubles (about USD$11 million) as a part of Bankruptcy fraud.{{Cite web |title=Воронежский бизнесмен Сергей Пойманов арестован после обвинения в злоупотреблении на 930 млн рублей |url=http://facto.ru/glavnaya_lenta_novostej/2017/05/voronezhskiy_biznesmen_sergey_poymanov_arestovan_posle_obvineniya_v_zloupotreblenii_na_930_mln_ruble/ |access-date=2022-05-17 |website=De Facto |language=ru}}

File:Boycott Russian bank.jpg "It's a Russian bank" near the department of bank in Oleksandriia, Ukraine]]

In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.{{Cite news |date=29 April 2014 |title=НБУ подтвердил отсутствие нарушений в деятельности "Сбербанка России" |work=РБК-Украина |url=http://www.rbcua.com/rus/news/nbu-podtverdil-otsutstvie-narusheniy-v-deyatelnosti-sberbanka-29042014142800 |access-date=11 October 2015 |archive-url=https://web.archive.org/web/20160304093440/http://rbcua.com/rus/news/nbu-podtverdil-otsutstvie-narusheniy-v-deyatelnosti-sberbanka-29042014142800 |archive-date=March 4, 2016}}

"It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country," the Russian foreign ministry stated.{{Cite web |last=Talant |first=Bermet |date=20 February 2018 |title=Russian state banks leaving Ukraine because of sanctions, attacks by nationalists |url=https://www.kyivpost.com/business/russian-state-banks-leaving-ukraine-sanctions-attacks-nationalists.html |access-date=26 February 2018 |newspaper=Kyiv Post}}

15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and {{ill|VS Bank|uk}} ({{langx|uk|ВіЕс Банк}})) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the war in Donbas. Since then, Sberbank's Ukrainian subsidiary, VS Bank ({{langx|uk|ВіЕс Банк}}), has been put on sale. But {{As of|2017|08|lc=y}} it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a "failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law." In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. "Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities," Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, VS Bank ({{langx|uk|ВіЕс Банк}}), to a Ukrainian banker, former PrivatBank chairman Serhiy Tihipko.

{{Main|Sberbank CIB#Troika Laundromat|Troika laundromat}}

In March 2019, the Troika Laundromat was exposed as an international money laundering network involving the Troika Dialog which is an investment bank that has been merged with the Sberbank's subsidiary Sberbank CIB.{{Cite news |last=Garside |first=Juliette |date=4 March 2019 |title=Q&A: what is the 'Troika Laundromat' and how did it work? |work=The Guardian |url=https://www.theguardian.com/world/2019/mar/04/qa-what-is-the-troika-laundromat-and-how-did-it-work |access-date=23 November 2019}}{{Cite news |title=The Troika Laundromat |work=OCCRP |url=https://www.occrp.org/en/troikalaundromat/ |access-date=23 November 2019}}{{Cite news |date=6 March 2019 |title=Russian Troika Dialog bank investigation reveals offshore money laundering scheme |publisher=bne IntelliNews |url=https://www.intellinews.com/russian-troika-dialog-bank-investigation-reveals-offshore-money-laundering-scheme-157452/ |access-date=23 November 2019}}{{Cite news |last=O'Conner |first=Colin |date=4 March 2019 |title=The Troika Laundromat: Five Quick Takeaways |work=RFE/RL |url=https://www.rferl.org/a/the-troika-laundromat-five-quick-takeaways/29803199.html |access-date=23 November 2019}}

In October 2019, it was revealed that analysts from cybersecurity firm DeviceLock had shared information about a large Sberbank data breach with the newspaper, the Kommersant.{{Cite web |date=2019-10-03 |title=Sberbank Hit by Huge Data Breach |url=https://www.themoscowtimes.com/2019/10/03/sberbank-hit-by-huge-data-breach-a67570 |access-date=2022-03-07 |website=The Moscow Times |language=en}} The personal information of up to 60 million Sberbank credit cards had been offered for sale on the black market. It was the largest data breach to have taken place in Russian banking.{{Cite web |last=Ljubas |first=Zdravko |title=Russia: Huge Data Leak Hits Sberbank |url=https://www.occrp.org/en/daily/10797-russia-huge-data-leak-hits-sberbank |access-date=2022-03-07 |website=www.occrp.org |language=en-GB}}

{{Portal|Russia|Banks}}

• Banking in Russia
• GigaChat
• VTB Bank

{{Notelist}}

{{Reflist}}

{{Refbegin}}

• {{Cite book |last=Unger |first=Craig |author-link=Craig Unger |title=House of Trump, House of Putin: The Untold Story of Donald Trump and the Russian Mafia |publisher=Dutton |date=August 14, 2018 |isbn=978-1524743505}}

{{Refend}}

{{Commons}}

• [https://ibankie.com/banks/ru/sberbank Sberbank BIC Codes]

{{Moscow Exchange Index}}

{{authority control}}

Category:1841 establishments in the Russian Empire

Category:Banks established in 1841

Category:Banks of the Soviet Union

Category:Companies based in Moscow

Category:Companies listed on the Moscow Exchange

Category:Companies in the MOEX

Category:Government-owned banks of Russia

Category:Russian brands

Category:Russian entities subject to U.S. Department of the Treasury sanctions

Category:Soviet brands