Retail Banking
Bank Saint Petersburg is one of the leading players in St Petersburg’s retail banking market. As at 1 January 2026, the Bank serves 2,297,000 private customers. Loans and advances to private customers (before provisions for expected credit losses) grew by 23.7% over the year to RUB 201.8 bn, including mortgage loans, the largest component, which grew by 31.6% in 2025 to RUB 164.2 bn. Loans and advances to private customers account for 21.0% of the loan portfolio.
In 2025, retail deposits grew by 19.5% to RUB 521.3 bn. Retail funds account for 58.7% of the Bank’s total client funds.
Retail Banking
Bank Saint Petersburg is one of the leading players in St Petersburg’s retail banking market. As at 1 January 2026, the Bank serves 2,297,000 private customers. Loans and advances to private customers (before provisions for expected credit losses) grew by 23.7% over the year to RUB 201.8 bn, including mortgage loans, the largest component, which grew by 31.6% in 2025 to RUB 164.2 bn. Loans and advances to private customers account for 21.0% of the loan portfolio.
In 2025, retail deposits grew by 19.5% to RUB 521.3 bn. Retail funds account for 58.7% of the Bank’s total client funds.
The mortgage lending market is one of the key areas of development for the Bank’s retail portfolio.
The Bank ranks 7th in Russia by mortgage lending volumes in 2025. During 2025, BSPB issued 10,005 mortgage loans totaling RUB 58.8 bn (compared with 5,371 loans totaling RUB 27.1 bn a year earlier), with subsidised mortgage loans accounting for 70% of total disbursements.
The Bank is represented by seven Mortgage Lending Centres (four in St Petersburg, one in Moscow, one in Kaliningrad and one in Novosibirsk), designed with customer convenience and confidentiality in mind, providing a comprehensive service covering the entire process — from initial consultation and application through to receipt of the mortgage loan.
The Bank continues its active work with construction companies and real estate agencies: in 2025, it accredited more than 160 developers and over 600 residential projects under construction.
In 2025, the Bank continued its mortgage lending under government subsidy programmes — ‘Family Mortgage’ and ‘IT Mortgage’ — and launched COMBO mortgage programmes with an increased loan amount and blended interest rate, as well as special rate terms for the purchase of properties under the Bank’s own project financing.
In 2025, the Bank opened 6,179 escrow accounts for real estate transactions under sale and purchase agreements and assignment of claim agreements between individuals, and a further 3,231 escrow accounts for settlements between shared-equity construction participants and developers under equity participation agreements concluded in accordance with Federal Law No. 214-FZ.
Bank Saint Petersburg maintains a conservative approach to risk in consumer lending, focusing primarily on its existing customer base. The target segment for its unsecured lending programme is salary card holders — customers whose financial position the Bank knows well; 85.0% of the unsecured loan portfolio is extended to salary card holders. Consumer loans are also offered to clients with a positive track record with the Bank or who are employees of trusted partner organisations.
This approach ensures maximum efficiency: the Bank takes on only carefully weighted risks in the external unsecured lending market, keeping in its portfolio only those clients whose financial behaviour it is best placed to assess.
Bank Saint Petersburg offers remote issuance of consumer loans: users of the Internet Bank can submit an application, track its progress, sign the agreement and receive funds to their account through their personal account once the Bank’s offer has been approved.
The Bank ranks among the top 5 market leaders in St Petersburg by consumer lending volumes, and in the top 10 for credit cards. The Bank also runs loan refinancing programmes to help optimise clients’ debt burden.
An extensive sales network, the ability to open deposits online, stability, a high level of service, a wide range of deposit products and competitive rates enable the Bank to attract customers and expand its deposit base. Retail deposits remain one of the Bank’s main sources of funding.
In 2025, the Bank offered its traditional ‘White Nights’, ‘Winter Petersburg’, ‘Spring’ and ‘Autumn’ deposits. New customers also have access to the ‘Favourable Start’ deposit, which offers a higher interest rate, while pensioners who transfer their pension to an account with the Bank can take advantage of the ‘Special Pension’ deposit.
The Savings Account was one of the most popular products among both new and existing customers, helping the Bank attract funds and retain clients. In September 2025, the Bank introduced an adjusted method for calculating and accruing interest on the Savings Account, encouraging customers to increase their card transaction activity in exchange for a higher rate.
The issuance and servicing of bank cards remains one of the priority areas of the Bank’s retail business. As at 1 January 2026, the number of plastic cards of all types in issue totalled 2,019,354.
Bank Saint Petersburg has for many years remained the leading operator of the Saint Petersburg Resident Card (EKP) project, a priority initiative of the St Petersburg City Government. The smart card combines a modern payment instrument based on the Mir payment system, a bonus card and an electronic travel pass, and holds the cardholder’s personal data; an enhanced qualified digital signature can also be loaded onto the card. In 2025, the Bank began issuing EKP Leningradskaya cards for residents of the Leningrad Region, and continued the gradual replacement of international payment system cards with Mir payment system cards, alongside the issuance of instant-format cards.
The Bank’s main customer loyalty tool is the YARKO loyalty programme. The number of programme participants exceeded 1,500,000 as at 1 January 2026. For more than ten years the Bank has actively attracted new partners to the YARKO programme, enabling customers to earn and redeem bonus points on their Bank Saint Petersburg card purchases on favourable terms.
The Bank continues its active work with self-employed customers. For their business needs, self-employed clients can use a bank card issued on the same basis as for ordinary individuals. The Bank’s services for the self-employed enable clients to:
- Register online via the Government Services portal, using the Federal Tax Service’s ‘Moi Nalog’ (‘My Tax’) application;
- Order a YASCHITAYU card with free issuance and servicing;
- Earn bonus points on purchases under the YARKO loyalty programme;
- Offset the professional income tax paid using YARKO loyalty bonus points.
In 2025, the Bank focused on developing digital services for salary clients and improving the quality and speed of service under its salary projects.
The Bank implemented new mechanisms for processing salary registers, extending the salary crediting window to between 7:00 and 22:00 Moscow time and significantly reducing the time required to process payroll statements.
The Bank continues to build its expertise in working with salary clients and to develop both remote and in-person service channels. As a result of these efforts, client outflow in 2025 fell by half compared with 2024.
By the end of 2025, the Bank’s salary client base had grown to 11,400 salary projects.
The Bank continues to actively develop services that are in demand among the population and carry significant social importance.
Since 2009, the Bank has delivered pension payments to residents of St Petersburg, the Leningrad Region and Kaliningrad and the Kaliningrad Region, and, since December 2023, to residents of Moscow and the Moscow Region.
The high standard of service provided by the Bank enables it to serve pensioner clients quickly and efficiently. As at December 2025, the number of the Bank’s pensioner clients stood at around 81,500 (compared with around 70,000 in December 2024), while the total number of pensioner clients and recipients of social support benefits stood at 106,500 in December 2025 (compared with 96,000 in December 2024).
