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 LENDING
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 PRODUCTS AND SERVICES
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.
UNIQUE SERVICE AND COMMUNICATION CHANNELS
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.
VED 360
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.
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 LENDING
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 PRODUCTS AND SERVICES
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.
UNIQUE SERVICE AND COMMUNICATION CHANNELS
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.
VED 360
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.
Bank Saint Petersburg strives to become the leading settlement bank for residents and enterprises in St. Petersburg engaged in payments and settlements with customers and suppliers.
The Bank issues corporate cards to be used by company employees to cover their travel expenses and current expenses related to the company’s operations. Payments for products and services can also be made online. A corporate card is a universal and safe tool for accessing company funds round-the-clock without the need to visit the Bank’s office: payments for goods and services are carried out by one touch thanks to modern payment services; cash deposits can be made and withdrawn 24/7/365 through the wide network of ATMs. All corporate cards issued by Bank Saint Petersburg support the cutting-edge mobile payment technology. Moreover, customers may open a corporate card account and order their first card via Internet Bank i2B.
The line of the Bank’s settlement packages is adapted for the key needs of SME customers – both for just starting its operations to actively developing. So, in 2021 the Bank updated its SME settlement package deals by introducing “Business.Start” – a new package deal for beginners. “Business.Start” allows to begin working with the Bank by gaining access to the bundle of the main services – opening an account, payments, transfer limits etc.
Tariffs for SMEs are simple and transparent – without hidden payments or commissions. Opening a settlement account, transfers between accounts within the Bank, access to the Internet Bank and banking app all cost 0 RUB. Every package contains the most needed products and services – acquiring terminal free rental, free commission and service of corporate cards, free payroll projects and online-register rentals on a bargain price.
The Bank continued to open procurement participant accounts according to 44-FZ in Internet Bank i2B.
The Bank provides a wide range of banking services connected with cash transactions in the regional markets of both St. Petersburg and the Leningrad Region, including receipt collection, payments, foreign exchange, cash re-counting, the delivery of cash wages to customers, and loading ATMs and payment kiosks.
The year 2021 was dominated by the need to preserve and support businesses in the context of the pandemic and optimize performance in the new environment while maintaining a high level of customer service. The Bank performed 138 700 cash collection visits, of which 104 100 were directly to our customers, 22 700 were to maintain and replenish cash in the Bank’s ATMs, and 11 900 visits were made to support the Bank’s own divisions. In 2021, the Bank transported and processed RUB 440.7 bn in cash.
To reach its strategic goals, Bank Saint Petersburg is striving to create a product range that matches the interests of its corporate customers as much as possible. Despite the challenging macroeconomic situation, the Bank continues to provide corporate lending to companies from various industry sectors and is strengthening its positions in this market segment. In addition to granting new loans, the Bank is also improving the terms of already existing loans, which indicates general financial sector recovery.
As of January 1, 2022 the Bank’s corporate loan portfolio amounted to RUB 378.6 bn, +10.1% compared with January 1, 2021. It was mainly connected to the economic recovery after the 2020 decrease due to coronavirus pandemic. 59% of the portfolio was attributed to the HQ in Saint Petersburg. Regional offices also successfully realized large lending deals, demonstrating high client orientation and expertise in a vast array of sectors. So, the share of Moscow branch amounted to 33% of the portfolio, 5% in Novosibirsk and 3% in Kaliningrad.
Corporate portfolio divided by the regions as of 01.01.2022
The trading industry was the most positively affected by the economic recovery. Loan portfolio in this sector increased by 57% up to RUB 73.9 bn in 2021, its share leaping from 14% in 2020 to 20% in 2021. Other significant shares are also attributed to the following industries: Leasing & financial servies (RUB 65.0 bn, 17% share), Real estate (RUB 39.1 bn, 10% share), Heavy machinery (RUB 37.5 bn, 10% share), Oil & gas (RUB 36.9 bn, 10% share).
Corporate portfolio divided by the industries
Bank Saint Petersburg has been constantly improving service packages for SMEs, making their best to tailor its services to satisfy the widest range of demands which both start-ups and adult companies may have.
Cash and settlement services of Bank Saint Petersburg for SMEs include the following service packages: “Delovoy.Start”, “Delovoy. Light”, “Delovoy.Standard”, “Delovoy.Complex” and “Delovoy.Sam”. The packages include the most popular banking products and services for SMEs, which are cash and settlement services, business cards, acquiring, payroll projects.
In 2021, Bank Saint Petersburg expanded a range of service packages for cash and settlement services provided to SMEs, adding a unique package called “Delovoy.Sam” tailored for individual entrepreneurs using a tax regime for the self-employed. The “Delovoy.Sam” package allows to hold a status of the Individual Entrepreneur and enjoy the benefits of a special tax regime and, if necessary, quickly change the tax regime and continue to carry out business without re-registration, licensing and entering into the agreements with customers and partners.
Since November it has become possible for SMEs and individual entrepreneurs actively using wireless transfers to get services under all cash and settlement service packages for a fee of RUB 1 per month. The Bank’s customers highly appreciated such initiatives. For instance, the level of NPS for cash and settlement services (according to the IPSOS research) exceeded 57%, which is the highest in the history of research.
In 2021 a new product “Overdraft-50” was added to the range of overdrafts for SMEs, which will allow companies and individual entrepreneurs to get financing of up to RUB 50 mln. within a short period of time based on the reduced list of documents to be submitted.
Also in 2021 Bank Saint-Petersburg announced a launch of branch-free model of providing services. A new format of online services was first applied on the Krasnodarski Krai territory and now businessmen from the south of Russia may enjoy the best programs offered by Bank Saint Petersburg to SMEs.
