Corporate Banking
Corporate business is the Bank’s core area of activity, accounting for around 79% of the loan portfolio and more than 40% of client funds at the end of 2025. Its key areas include corporate lending, settlement business, foreign trade operations, and attracting funds from corporate clients.
As of 31 December 2025, Bank Saint Petersburg serves approximately 62,000 corporate customers. This has been made possible by an effective system of comprehensive banking services, including remote services, that takes into account all the key needs of legal entities and individual entrepreneurs. In its work with clients, the Bank seeks to build long-term, mutually beneficial relationships with corporate customers, offering comprehensive service packages that include cash collection, guarantees and fee-based products, as well as retail products for their employees.
The Bank’s corporate business is concentrated mainly in St. Petersburg and Moscow. In addition, around 8,674 corporate customers are served in Kaliningrad, and from December 2025 the Bank began working with clients in Chelyabinsk. Bank Saint Petersburg continues to develop its corporate business across Russia in Rostov-on-Don, Krasnodar, Novosibirsk, Vladivostok and Kazan, actively supporting large and medium-sized businesses across a range of industries.
In working with large corporate customers, the Bank applies an industry-based approach that helps develop and maintain a high level of sector expertise, adapt products to the specific needs of its clients’ businesses, and respond quickly to adverse changes in the economy. Large corporate business clients in St. Petersburg are currently served by four sectoral departments.
Corporate Banking
Corporate business is the Bank’s core area of activity, accounting for around 79% of the loan portfolio and more than 40% of client funds at the end of 2025. Its key areas include corporate lending, settlement business, foreign trade operations, and attracting funds from corporate clients.
As of 31 December 2025, Bank Saint Petersburg serves approximately 62,000 corporate customers. This has been made possible by an effective system of comprehensive banking services, including remote services, that takes into account all the key needs of legal entities and individual entrepreneurs. In its work with clients, the Bank seeks to build long-term, mutually beneficial relationships with corporate customers, offering comprehensive service packages that include cash collection, guarantees and fee-based products, as well as retail products for their employees.
The Bank’s corporate business is concentrated mainly in St. Petersburg and Moscow. In addition, around 8,674 corporate customers are served in Kaliningrad, and from December 2025 the Bank began working with clients in Chelyabinsk. Bank Saint Petersburg continues to develop its corporate business across Russia in Rostov-on-Don, Krasnodar, Novosibirsk, Vladivostok and Kazan, actively supporting large and medium-sized businesses across a range of industries.
In working with large corporate customers, the Bank applies an industry-based approach that helps develop and maintain a high level of sector expertise, adapt products to the specific needs of its clients’ businesses, and respond quickly to adverse changes in the economy. Large corporate business clients in St. Petersburg are currently served by four sectoral departments.
Lending to corporate customers, which accounts for the largest share of the Bank’s loan portfolio, continues to play a leading role in the Bank’s business structure. The Bank offers its corporate customers a broad range of credit products, including short-term loans, working capital loans, and long-term financing for fixed assets.
In 2025, the corporate loan portfolio (before deducting provisions) grew by 29.4% to RUB 750.8 bn.
The Bank takes a balanced approach to risk analysis when lending to the corporate segment and seeks to further diversify its corporate loan portfolio, which is well diversified by economic sector, helping to minimise the risk of potential losses. At the end of 2025, the portfolio was dominated by manufacturing (20.5%) and leasing and financial services (20.0%).
Foreign trade operations remained one of the Bank’s strategic priorities in 2025.
The focus in 2025 was on supporting clients engaged in foreign trade in light of current market conditions, developing EXIM services, and maintaining the Bank’s foreign trade operations amid continually changing currency legislation and external challenges.
In 2025, the Bank actively developed partnerships and supported businesses in the field of foreign trade. Comprehensive solutions were developed for clients working with friendly countries, including settlements in roubles and national currencies as well as consulting services.
Trade finance instruments such as discounted and post-financed letters of credit — the most effective in terms of business margins — were in high demand among clients in 2025.
As before, the Bank supported Russian exporters by providing access to preferential financing under government subsidy programmes.
Given market and client needs, the Bank continues to develop its consulting offering, supporting VED participants not only with banking services but also with a comprehensive view of their business.
The Bank’s efforts to ensure high-quality VED products and services were recognised with a number of awards in 2025: the online consulting showcase of the BSPB VED 360 Centre was named ‘Smart Solution of the Year’ at the Digital Leaders Award 2025; the Bank received the Consumer Choice Award for Product and Service Quality in the Client Experience category for its comprehensive approach to VED; and, for scaling the VED 360 concept in Siberia and opening a VED 360 Centre in Novosibirsk, the Bank was recognised with the ‘Best for Russia. Regional Development’ award in the Best Bank for Foreign Trade category.
In 2025, the Bank maintained a high level of client service through its personal service system. Every VED client — from micro-business to the largest corporates — is assigned a personal currency control officer and VED manager, who remain in regular contact with the client both in writing, via a dedicated communication channel in the Internet Bank, and by phone.
Service quality standards are monitored on a regular basis, and staff undergo regular training to ensure a high standard of client communication.
In 2025, the Bank continued to develop its dedicated Telegram channel for VED participants, ‘BSPB | VED 360’, which publishes daily reviews of the latest foreign trade news, case studies, and the views and assessments of specialists across various areas of foreign trade.
In 2025, the Bank regularly held events for clients in a variety of formats. Over the year, more than 40 events were held at which market professionals shared their expertise with clients on topics including the nuances of currency legislation and control; hedging instruments and other risk management tools; entering new markets, logistics, customs clearance, certification and counterparty due diligence; and the principles of working with countries both near and far abroad.
The Bank’s VED 360 platform, launched in December 2021, continued to develop in 2025. In December 2025, the VED 360 Centre opened another office in Novosibirsk. VED 360 can now be visited for advice on any foreign trade matter in St. Petersburg, Kaliningrad, Moscow and Novosibirsk.
In 2025, VED 360 handled more than 3,500 client enquiries on topics including entering foreign markets, organising new logistics chains, customs clearance, counterparty search and due diligence, legal advice, recovery of international debts, trading operations and more.
The Bank’s partners help VED participants operate in more than 30 friendly countries, providing services at competitive rates.
