Business Divisions Review

Сorporate banking

The Bank continues to improve its performance by offering a wide range of cutting-edge banking services to small, medium and large-sized enterprises, taking into account each customer group’s particular requirements and interests.

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. In addition, the Bank strengthened its positions in Kaliningrad in 2015 through the creation of its Evropeisky Branch, which currently has over 10 000 corporate customers (Bank Saint Petersburg completed the integration of Bank Evropeisky in Kaliningrad, reorganizing it together with the Bank's Kaliningrad Branch into the new Evropeisky Branch). In 2016, Bank Saint Petersburg also strengthened its presence outside the home Northwest Region: The Bank opened a representative office in Novosibirsk, focusing on working with corporate customers.

Loans to legal entities represent 76.1% of the total loan portfolio. The breakdown of the Bank’s corporate portfolio by sector reflects St. Petersburg’s economic structure, which has a high proportion of construction, real estate, trade and production, allowing the Bank to benefit from all the advantages of the region’s economic structure, as well as to contribute to its development.

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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.

Throughout 2018, the retail loan portfolio increased by 18.4% to RUB 89.7 bn, mortgage loans grew by 10.9%, consumer loans grew by 38.9%, and car loans grew by 68.5%. The share of loans to individuals reached 23.9% of the total loan portfolio.

In 2018, the total amount of retail deposits increased by 21.1%, totaling RUB 249.1 bn. The share of retail deposits amounted to 60.1% of total customer deposits.

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Private banking

Private Banking, a targeted service for affluent individuals, has existed since 2007 and is represented in all cities where the Bank operates: St. Petersburg, Moscow and Kaliningrad.

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.

By the end of 2018, the volume of funds managed by Private Banking increased by 30% and amounted to RUB 75.7 bn including those in BSPB Capital.

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Digital Banking

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