Report content

The Art
of Banking

Annual Report 2018

Fragment of the picture
“May rain in Petersburg”
Pavel Eskov
Oil on canvas 100х90, 2018

LETTER FROM
THE MANAGEMENT

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Fragment of the picture
“St. Isaac’s Square”
Sergei Lyakhovich
Oil on canvas 24x30, 2014

FINANCIAL
PERFORMANCE

The Bank “Saint-Petersburg” earned RUB 9.0 bn in 2018.
This is the all-time best profit.
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Fragment of the picture
“Kazan Cathedral”
Sergei Lyakhovich
Oil on canvas 60x80, 2017

BUSINESS
DIVISIONS

Expert knowledge of the customer base and proximity to customers ensure the Bank’s flexibility and responsiveness in addressing the needs and interests of each of the 2 000 000 customers.
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Fragment of the picture
“Moyka. Redbridge”
Sergei Lyakhovich
Oil on canvas 46x61, 2015

FROM RISK
TO OPPORTUNITY

Due to the effective and forward-looking risk management which tries to transform each risk into an opportunity, Bank Saint Petersburg is always profitable and resilient to external shocks.
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Fragment of the picture
“Bank bridge”Sergei Lyakhovich Oil on canvas 18х24, 2016

CREATING WEALTH
RESPONSIBLY

The Bank’s entire business is built on ethical principles and the responsible approach for creating wealth and retaining the trust of employees, customers, shareholders, and society as a whole.
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Fragment of the picture
“Fontanka”
Sergei Lyakhovich
Oil on canvas 34x50,2015

AT A GLANCE

Assets
673 RUB bn
16th in Russia
Revenues
33 RUB bn
2.2%
50 K
corporate customers
incl. 48 000 Internet Bank users
Retail deposits
249 RUB bn
15th in Russia
Net income
9 RUB bn
21%
2 mn
individual customers
incl. 1 130 000 Internet Bank users

BUSINESS DIVISIONS

CORPORATE BANKING

To date, Bank Saint Petersburg has 50 000 corporate customers. The Bank’s corporate banking business remains primarily focused on the regional market of St. Petersburg.

RETAIL BANKING

As one of the key players in St. Petersburg’s retail banking services, Bank Saint Petersburg aims to become the first bank of choice for the city's residents. The Bank currently has 2 090 000 retail customers, forming a solid base for the future successful growth of its retail business..

PRIVATE BANKING

The main advantages of the Private Banking program are access to the maximum set of product offers with the best price conditions, comprehensive expertise of customer requests and needs, development of individual solutions, full confidentiality of personal and financial data and customer transactions and family service.

DIGITAL BANKING

The e-banking system for retail customers, Internet Bank, accessible at i.bspb.ru, is the principal online channel for the customers of Bank Saint Petersburg, offering increasingly better services and solutions at more favorable prices. The number of individuals who have signed up for i.bspb.ru showed a growth of 18% in 2018: from 960 000 to 1 130 000.

LETTER FROM THE MANAGEMENT

Dear customers,
investors and partners,


Year 2018 for the Russian economy was characterized by moderate economic growth and the preservation of positive processes in the industry. During the year, the banking sector continued its growth, while maintaining stability, as evidenced by the revival of lending, especially retail.

A distinctive feature of the past year was the active implementation at the federal level of a number of projects that led or will lead in the very near future to a significant transformation of the banking industry.

For the first time in many years, we feel that active and persistent actions of the regulator create opportunities for strong private banks, primarily due to the introduction of a fast payment system, remote customer identification, the Marketplace system, etc.