When at the end of 2018 German Gref provided the plane for transportation to Moscow of a child rescued from under the rubble of a residential building in Magnitogorsk, it became clear that Sberbank is not just a “state within a state”, but much more solid than any state agency. The Ministry of Health or the Ministry of Emergency Situations did not have a fast jet, while Gref had plenty of them.
Personally, the head of the state bank, according to the Interlocutor, is assigned a Gulfstream G650 business liner with a tail number RA-10204 and worth $ 70 million (about 4.5 billion rubles). A couple of weeks ago, this jet took Gref to the Astana Economic Forum in Kazakhstan, and on May holidays he flew to Nice.
German Oskarovich can afford to relax on the Cote d'Azur. And not only because he is a knight of the Order of the Legion of Honor - the highest award of France. Sberbank, headed by him, beats all records in profit and goes far beyond the standard framework of financial and credit organizations, capturing new business niches.
Just a holiday of some kind
Sberbank employees celebrated the New Year offensive in the Megasport Palace in the capital. From the scene of the crowd entertained group "Mirage". Services "on the organization and conduct of activities" cost, according to the site of public procurement, nearly 30 million rubles.
To celebrate the financiers was that. Last year, Sber earned a record 831.7 billion rubles. net profit, which is 11% more than a year earlier.
If the New Year festivities, according to the participants in the social networks, were great, then the corporate party before March 8 was marred by the mistake of the bartender, who broke a huge pyramid of champagne glasses. As it turned out, fortunately: in the first quarter of this year, the bank did not crumble, but again broke its own record in profits.
Today, almost every resident of the country (92.8 million customers) is a Sberbank user. Recently it became known about the desire of the bank to buy another asset not related to its main activity: 46.5% of the Rambler Group Alexander Mamut. Thus, the empire of German Gref decided to replenish with editions of Gazeta.ru, Afisha, Lenta, as well as the Khudozhestvenny cinema and Okko online cinema.
Even earlier, Sberbank acquired a stake in the Russian division of KFC. In addition to fast food, only spectacles were lacking.
The son of the head of Sberbank, Oleg Gref, owns, according to the Interlocutor, an apartment in the premium Deluxe LCD complex. “Nobility, aristocracy, respectability ... It would seem that these values of the Victorian era were preserved only in English novels, where good education and manners were instilled from birth. However, today there is a way to surround yourself and your family with a decent society. We just need to choose the right house ”- these words describe this residential complex on the websites of real estate agencies. Apartment area of 357 square meters. m hereditary aristocrat Gref Jr. is estimated at 200 million rubles.
Gref is in debt
The success of Sberbank is achieved mainly due to loans to the population, recognized the deputy chairman of the board Alexander Morozov. Now the retail is, according to reports, a third in the bank’s portfolio, and he intends to increase it.
According to information from the Sberbank annual report, the number of active credit cards is 15.2 million. It turns out that every tenth citizen today needs Gref, and this is without taking into account other types of lending.
Now the minimum bank rate on consumer loans without collateral is set at 11.9%. But this is ours. The Russian state bank also works in European countries, where loans are cheaper to borrowers. For example, in the Czech Republic the rate is three times lower: 3.9%.
Here are just a Russian citizen just go to Prague and take a loan in Sber on such luxurious conditions will not work. It is issued only to holders of Czech passports, and all the rest - only if you have permission to reside or stay. And when confirming income, of course.
Czechs can take out a mortgage in the Russian state bank and at all under 2.89% per annum. So no matter how much the authorities declare housing affordability programs, it does not become more accessible than the European one.
“There are no miracles,” says Valentin Katasonov, a professor at the Department of International Finance at MGIMO. - Sberbank is fattening due to the most favored nation regime. The fact that the Central Bank can punish an ordinary bank is allowed to the “bull”. Bankers joke: if there were no budget deficit, it would have to come up. After all, Sberbank, in addition to individuals, also provides loans to Russian regions. Subjects pay interest. Yes, and the clients of commercial banks, which revoke the license, Sberbank is luring to itself ...
Club "fat cats"
In parallel with the growth of the debt burden on customers, the revenues of Sberbank top managers increase annually. In 2018, payments to nine members of the board amounted to 5.5 billion rubles: an average of 611 million per person.
Plus, the "fat cats", as bank managers are often called, also own shares, which allows them to pocket a portion of the total profits. Together with other dividend receivers. Almost half of which, by the way, are foreigners. 46% of the bank's shares belong to non-resident legal entities. The share of the Central Bank is 50% + 1 share. And it is this part of the profit that is transferred to the federal budget.
Top-managers of the state bank do not deny themselves luxury. For example, Alexander Vladimirovich Morozov is an inhabitant of an elite house in the historical center of Moscow, on the corner of Kolymazhny and Small Znamensky lanes. So name is Deputy Gref. According to the "Interlocutor", he owns an apartment of 163.5 square meters. m in the LCD "Kolymazhny, 10." Its market value is about 300 million rubles.
The first deputy head of the board, Lev Khasis, does, as Transparency International found out, owns 70 properties in the Miami suburbs in the United States. In addition to dozens of cheap houses, Khasis, together with his wife Olga, own there three apartments in the first-line oceanfront Turnberry Ocean Colony residential complex worth $ 7.7 million.
Unlike officials or parliamentarians, high incomes of state bankers are formally legal. And they can legally invest their money.
It is curious that the revenues of only a dozen managers of the Savings Bank exceed the amount that the bank spends on charitable and sponsorship activities (4.8 billion for 2018). That is, sports teams, cultural festivals, support for children and veterans throughout the country are allocated less than for the awards of Gref and his team. And this is even if you do not take into account that part of the charitable funds goes to dubious projects like Unarmia.