- •Content
- •Introduction
- •General information of sb of jsc «Sberbank»
- •1.1. History sb of jsc Sberbank
- •Bank operations provided to sb of jsc «Sberbank»
- •1.3. Governing bodies of sb of jsc «Sberbank»
- •1.4. Awards of sb of jsc «Sberbank»
- •2. Analysis of financial results of sb of jsc «Sberbank»
- •2.1. The analysis of the balance sheet on ifrs (See the appendix 2)
- •2.2. Analysis of the profit and loss report
- •2.3. Risk analysis
- •2.4. Financing of corporate clients of sb of jsc «Sberbank»
- •3. Practice in Department of Marketing and pr of sb of jsc «Sberbank»
- •Structure of Department
- •Marketing communications in structure of Bank
- •The consumer – our target audience
- •Оrder of polygraphs
- •Control customer service quality control Researches of satisfaction of clients with quality of service
- •Improvement development of the plan of measures on service improvement of quality
- •Image strengthening of image of the Bank providing high-quality service to the clients
- •3.1. Recommendations in the course of work practice in sb of jsc «Sberbank»
- •Conclusion
- •The list of the used sources
- •General shareholder meeting
- •Board of directors
2.4. Financing of corporate clients of sb of jsc «Sberbank»
In bank the special attention is paid to crediting of corporate clients (large, medium and small business). As today small and medium business is a support of economic development of the state, the solution of problems of employment of the population, filling of domestic market domestic goods and formation of the competitive environment in many respects depends on it. For 01.01.2015 the number of corporate clients of bank made about 28 thousand is more than in 2013 for 31%.
In 2014 the Bank financed real sector of national economy for the sum more than 680 billion tenge, having exceeded an indicator of 2013 for 43%. Within a state program «A road map of business 2020» 343 projects for the total amount of 147 billion tenge are approved.
Programs of financing within the state support of small and medium business.
The SB of JSC «Sberbank of Russia» is the active participant of state programs of FDB «Damu», «Road Map of Business 2020».
The Road Map of Business 2020 program is developed for implementation of the message of the President of the Republic of Kazakhstan N. A. Nazarbayev to the people of Kazakhstan «New decade – New economic recovery – New opportunities of Kazakhstan» and the Strategic development plan of Kazakhstan till 2020. The program is one of mechanisms of realization of the State program on the development of the Republic of Kazakhstan forced industrial innovatively for 2010 - 2014.
The Sberbank the first financed the project within a state program on development of monotowns for 2012-2020 on production of polyfoam, polistirolblok and raw materials for insulating installation and construction works.
- The SB of JSC «Sberbank» and JSC «Fund of Development of Business Damu» signed the Cooperation agreement within the new program for financing of regional priority projects of small and medium business «The Damu regions of III» for the sum of 5,5 billion tenge.
On August 4, 2014 the Bank financed projects of small and medium business for the sum of 6 billion tenge, having ahead of schedule finished an application of funds of the subjects of small and average business received from Fund of development of business «Damu» within the program of crediting in the sphere of manufacturing industry. These funds were allocated from National fund of the Republic of Kazakhstan in the sum of 100 billion tenge and are the first tranche from 1 trillion tenge intended for development of national economy.
Within this program the Bank financed 22 projects of small and medium business in manufacturing industry, including 9 projects of the food industry for the sum of 1,6 billion tenge. Businessmen could obtain a soft loan under 6% for up to 10 years, and also refinance the operating loans.
«We could master ahead of schedule allocated funds that businessmen as soon as possible felt effect from support of the state. This money is already directed on creation new and modernization of the operating productions in manufacturing industry. We are sure, this program will give a new impulse to development of SMB, will allow to fill domestic market with goods of a domestic production, to increase an export potential and to bring business in the country to qualitatively new level», - the Chairman of the board of Sberbank in Kazakhstan Alexander Kamalov noted.
The fund of development of business «Damu» placed in Sberbank of 6 billion tenge within the Program of support of SMB in manufacturing industry. It is part of hundred billion which were distributed among 13 Kazakhstan banks with a high credit rating and the developed system of financing of small and medium business. Credit conditions within this program are very favorable to SMB – only 6% per annum for 10 years. The Sberbank mastered the allocated funds of term much earlier, having financed more than 20 interesting projects in 10 various regions of the republic.
On February 26, 2014 the Fund of development of business «Damu» awarded SB of JSC «Sberbank» of a rank of the best bank in implementation of the Road Map of Business 2020 program following the results of 2013.