it is fundamentally important that all subjects of the credit process, borrowers, lenders, receive an additional inclination in order to implement long-term projects, projects related to multi-year loan financing. today, this task is more relevant than ever for our country, during the period of economic transformation, its adaptation to new conditions, it is obvious that the faster we achieve the target, the more quickly we will be able to implement complex large-scale projects supported by credit products, in the opposite direction, if today, in the presence of high inflation, high inflation expectations, we reduce the key rate, and accordingly try to achieve low interest rates on loans, we will not succeed, because all participants in the financial market will expect an increase in inflation, high rates in the future and of course they will...

pledge their loan products. next slide, please, perhaps we can say that one of the striking examples of the connection between low inflation and credit availability is a mortgage. mortgages began to actively grow precisely after inflation reached the set parameters, reached 4%, and accordingly, long-term credit products began to develop, and mortgages exactly show us this movement.

financial market, so that there are high-quality, creditworthy, solvent entities, professional participants in the financial market, but in fact this was not always the case, somewhere 10 years ago we saw a large number of weak participants in the market , a large number of frauds, deceptions, when banks, insurance companies, and pension funds did not fulfill their obligations to depositors, creditors, investors, and participants in various programs, this of course led to a distortion of competition. large losses for both citizens and businesses. over the past 10 years, a lot of work has been done to remove weak participants from the market, and in addition to this , prudential regulation has been set up, which has allowed us to make the financial market much more resistant to shocks, much stronger. and the crisis of the twenty-second year, which you and i experienced 2 years ago, it showed that the financial system is ready for...

the bank is the topic of combating the legalization of proceeds from crime, cashing out funds, countering various gray schemes, and you can see that over the past 10 over the years, the number and volume of transactions involving cashing out suspicious transactions has decreased tenfold, we understand that this is work that we cannot turn a blind eye to, even if it seems that everything is fine today, and we expect it to continue pay significant attention to this aspect.

in addition to this, we create platforms, tools that make it more convenient for the market to issues related to identifying the quality and... and risks of those clients who come to the financial market, i mean the implementation of our platform knows its client, which is 40% for bona fide bank clients, it reduced bank refusals to carry out certain financial transactions, i think many of you know that this was a very significant problem, next slide, please, we cannot fail to mention the topic of osaga, it is that socially significant segment of insurance, when we talk about the financial market, it is almost impossible to bypass this segment... with your attention, tens of millions of citizens are from the russian federation, are owners of vehicles, drive cars, and of course, the osaga system, created in 2003 , was adjusted many times, made more convenient, we switched to digital formats, we

expanded the tariff corridor in order to increase the accessibility of osaga, from the past year, the transition to electronic settlement of losses began, in principle, this is a system that... is in constant development, it shows that with the proper, high-quality attitude towards this system, both from the state and from market participants, it is possible to do although mandatory, it is a very high-quality, socially oriented product for the citizens of our large country. the next slide, please, is probably one of the most important , such an explosion, yes, a paradigm shift in the financial market was that... something - in at the end of the tenth years, that is, somewhere around the seventeenth, eighteenth, nineteenth, a private investor began to come to us on the stock market, today we see that more than 30 million brokerage accounts have been opened there, and the number of active investors has exceeded 4 million , and this suggests that

today the retail investor is one of the important elements of the stock market, for example, if we take the turnover of equity... instruments, we will see that 80% of these turnovers were provided by retail investors, they were the ones who replaced with the departure of foreign investors from unfriendly states in the first place, and indeed this is the trend of the arrival of retail investors, which requires not only attracting them to the market, but ensuring their confidence in the functioning of this market, therefore, in addition to a number of those tasks that anton spoke about germanovich syulanov, of course, one of the principle... one of the fundamental issues is the solution to the issue of unlocking the frozen assets of retail investors, well, in some acceptable volumes. next slide, please, probably in 2022, if we did not have

a developed infrastructure, a payment settlement infrastructure in our state, we would have faced very great difficulties, despite all the sanction pressure that we received, despite the fact that we... were disconnected from swift, correspondent accounts were closed, within the country neither banks, nor businesses, nor citizens saw, by and large, any changes, our mir card system functioned well, our transfer system worked financial messages, we, in principle, have created the entire internal payment infrastructure, which ensured normal payment turnover; without payment turnover, interaction between economic entities is impossible. the fact that we started doing this in advance helped us a lot, but we understand that digitalization is what moves us forward, digitalization in different areas of our activities, and we continue our project to pilot the digital ruble, i really hope that after

a certain period of time we will enter into industrial operation, next slide, please, we continue, we continue to develop the system. ae united, we continue to implement a unified biometric system, if possible, show the next, next slide , a unified biometric system, we continue to implement a digital profile, this was discussed at the previous session on digitalization, which was moderated by olga nikolaevna skorobogatova, where colleagues exchanged information about , and how digital services are developing professionally. professional participants financial market, it is obvious to me that these are issues on which we need to continue to pay very great attention, because without digitalization we can very quickly lose our high competitive positions, including still on an international scale. next slide,

please, in conclusion, dear colleagues, i want to say that you can see about the work of the central bank, you can learn from the services that are presented on the slide, we are quite open in our work and that fundamentally important, i have used the term central bank many times, but i must say that many of the things that i mentioned were done in close collaboration with the government. ministry of finance, this is our main partner among the federal executive authorities, and the market actively helps us, sometimes moves us forward, and i am sure that subsequent speakers at this session will, of course, dwell in more detail on the issues that i i covered it very briefly, thank you for your attention, thank you great, vladimir vistorovich, i ask you to take a seat in the hall. dear guests, now i have a question for you, and

anyone can answer this question using your mobile phones, just point the camera at the qr code and answer the question, and there are already answer options. so the question is: what do you consider the most significant achievements in the financial sector over the past 20 years? answer option: payments and transfers in one click: development of a savings guarantee system, sustainable budget. haven't voted yet, there's time for that right now, in fact, choose your

option, i think, mash, that we will announce the results of this vote at the end of our meeting in order to maintain a little intrigue. so, what we have already discussed, two pillars, stable financial systems, a balanced budget, anton germanich, and , accordingly, low inflation, but we all know that there should be three pillars, so what? the program has a solution for russia-24, we even talked about how you can submit

an application for a business license from space, and this is not magic, but just a modern portfolio financial services, about new services and innovations in the field of finance, i ask you to tell the president, chairman of the board of sberbank hermann oskarovich gref, please. good afternoon, dear colleagues , i think that such an immersion in history and the future is very interesting, i enjoyed watching the speech of the minister of finance of our colleague from the central bank,

this entire period of time, then of course

, we can probably say about such turning points, in approximately five-year increments, for our organization, probably the first such the point can be noted as 2014, when we completed the centralization of all our systems and came up against the fact that in general, in the physical world , the productivity of our... operations , it is no longer possible to increase the productivity of our operations, and we need to go to a new world, the virtual world, where, strictly speaking, such concepts as... queues or the need for physical movement simply do not exist, in the fourteenth year we began a large program to find a new business model, which, strictly speaking, is associated with digital finance, in 2020 - this is the next period of our time, when we

, in fact, have already completely switched to the digitalization of all our services and... if we talk about the next date or about the future, in accordance with the question of our moderator, this is 2024, actually speaking, at the end of last year, our supervisory board approved a new development strategy for the bank, where , as a key thesis , we formulated for ourselves that we must create an entire ecosystem of services and not only financial services no longer around. client around a person, because behind every legal or physical person who enters our resources or crosses our threshold there is a person, and we must see a person in all his diversity of needs, his concerns, his wishes and the need to solve

certain life situations, and we... in fact, if you look at our history, we first created the key elements of the transition to digital, the vast majority of our employees were mainly involved in processing operations, a very small number of people were engaged in customer service, we built the first digital services, and these digital services are today...

and this is the birthplace of this seemingly simple transaction, is russia, in fact, from russia it went first to european countries, and then, strictly speaking, to all over the world, today in the world, in fact , there is already such a standard of operation when, from the point of view of cybersecurity and convenience, clients, alternative communication channels are used, the second is, of course, p2p transactions, without visiting.

cannot exist in the market if it does not have these basic services, well, strictly speaking, 2020 is the next milestone date for us, when we realized that a financial service is not a final service, a financial service is an intermediate stage in order to a person has satisfied some of his next needs so that the financial service can be sold comprehensively.

today, in a number of networks, by the end of this year, our terminals with payment with a smile will be installed in almost every large retailer in any place where you can, where you want to make a payment, you will have a choice, and the choice at one terminal you can pay using nfc, by placing your phone against... the card to the appropriate terminal, you can pay using qr- code, and russia in this sense is a unique country, i want to say here thanks to the central bank, our partner banks, we created, in fact, immediately multiqr, when with the help of qr, no matter what kind of client you are, you can

make any transaction on any of our terminal or terminal, it doesn’t matter whether it’s alpha bank or vtb bank or any other bank of the russian federation, this is very, very important, because it does not create any problems for the client, we are now... trying to build our biometrics service in the same way, biometrics will be the next breakthrough, in fact, after this the cards will probably go into the distant past, just like mobile phones with apple nfc ports closed, in fact, this pushed us to the development of biometric technology, if nfc probably worked on all iphones, then maybe biometrics in our country would have developed a little...

and already a few years ago, in fact, all banks today issue almost any consumer or loan or credit card online, or now

the problem with a mortgage loan is also being solved , which is the most difficult loan to issue to individuals. a mortgage, whereas previously it took about 7 days for a loan to be approved, today you can buy an apartment from us without visiting a branch at all.

i'm sorry, i need to return it if i look at it on how the employment structure of our employees has changed, so. okay, today, in short, 30% of our total staff is engaged in the creation of new products, research and development, 30%. if you look, not

even 20 years ago, but 15 years ago, in fact, it personnel accounted for 3% of our total number; in the structure of the number, the growth of personnel involved in the development of new products has grown 10 times, respectively, this provides an opportunity. ..we need to build a new system, a new ecosystem financial services to include more and more opportunities for our client, for the individual, and if we look at what this very development gives for our shareholders, what it gives for our clients, what it gives for our employees, then we see that our shareholders over the past 3 years...

the bank is completely connected with technology, with technologies that will develop around humans based on artificial intelligence. our future sber should become an assistant to every person, a convenient assistant for every person who knows how to not only satisfy his current needs, predict his potential needs, remind him of some necessary things that are related to his health,

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