[000:00:00;00] sberbank is holding its annual general meeting of shareholders today, in particular, it will vote on the payment of record dividends for 22 years, their size and how this year was for the company in the speech of the head of sberbank german gref, see right now. good morning dear shareholders. today we are summing up the results of 2022 for sberbank, as for the whole country, last year was a year of serious trials, it was necessary to make non-standard decisions and rebuild

business models. let's remember what it was last year. it seems to me that no one could even imagine that the sixth package, st. petersburg, could happen abroad. now it is impossible to use a visa and the master class sberbank did not face such restrictions. patients hit more than 10,000 companies against the backdrop of economic certainty. central bank. decided to raise the rate to 20%, this is historical, by the way, we had a long-term strategy for 3 years in advance, but at that moment we realized that it was almost impossible to predict something, and we had to make plans for the clock. in february, more than one trillion 30080 billion rubles were withdrawn from the account card. they are simply

worried about their savings, which, of course, was a huge burden on the bank. in general , they worked without exaggeration around the clock for everything for the client. everything for the client. the sixth of april came sber got the list at 9:40 sberbank online and sberbank business was removed from the appstore and google play in fact all the tools that we developed were all accounts. it was blocked. pride fortitude confidence is our employee. i i think they behaved absolutely heroically they serve customers. in spite of everything, despite all the difficulties they faced, the entire russian banking system at that moment and about 80% of the entire banking system in terms of assets were under

sanctions for the euro. this is stronger than in the previous crises in 2020 2009 during the year, economic activity deteriorated significantly. you understand that something needs to be done. it is not entirely clear how to act. thanks to the coordinated actions of the government of the central bank of business the country's financial system managed to avoid serious consequences and ensure the stability

of the entire russian economy. sberbank has become a leader in bringing state support to business. we provided customers with the usual service and reliable protection of their savings. even the sharpest. crisis period. the interests of our clients remained in the first place for us, despite the sanctions imposed against the bank. we decided to fulfill all our obligations and not introduce additional restrictions and prohibitive tariffs for our clients. he accustomed to a comfortable world, when you laid a telephone everywhere and the payment goes through, and here, because of the sanction, everything changed. after raising the key rate, most competitors stopped issuing mortgage loans on the old terms. it all started, of course, great turbulence began , it became obvious that the reserves that we have will not be enough to

successfully fulfill our obligations for about 9 months. i was looking for an apartment, choosing various options, it took a lot of effort to find an apartment, and in general to make this decision to take out a mortgage. i have several foreign currency accounts in different banks, because i want to diversify the risks of most banks, a great mission for foreign currency deposits. i approached the operator girl and said, girl, you don’t even have a bank under sanctions. we thought, how to remove any fears in a convenient comfortable format for the user to tell what is guaranteed to work. well, actually help him bring the payment in the usual way for him by the time the transaction has already been approved. insert 9% in all thought they would change, but what it was, so it was preserved to the end. well, in the end, only

one bank did not charge commissions. it was sberbank that went to meet its customers and continued issuing loans for another month. here are 9 10 11%. we quickly found workarounds. how to deliver to the user the payment format that they are used to and now you can use sber to pay for the purchase of biometrics qr-code android phone, or with payment stickers you can find out who is who and suppliers partners. well, thank you, there is sberbank contacted. i would increase the limit enough they quickly met us halfway, current loans and tried at the same level. they offered me preferential conversion rates and an increased rate on deposits. despite all the sanctions imposed on the company, it was really great to feel all the strength and power of the white that we became the leader in state support, and there it causes great pride. i bought an apartment. it was an inexpressible happiness. well, of course,

without vera it would be difficult friends are recognized in trouble, our approach resonated with people, no matter what the number of our customers over the past year has grown by another 2 million people. we have issued more than five trillion loans to individuals. last year , 822,000 families bought an apartment with our loans. we have kept momentum. and we even increased the number of users of our non-financial services in all key areas of the retail business to more than 6 million people. they use the sberprime subscription thanks to the subscription, they saved more than 10 billion rubles in a year. and even the most difficult period. we have not stopped lending and supporting our corporate clients sberbank is the main conductor of anti-crisis

programs for the year. we issued corporate loans in the amount of more than 15 trillion rubles. we understand how difficult it is to develop your business and therefore, special attention was directed to supporting small businesses, we provided entrepreneurs with more than one trillion rubles of loans under various programs, more than 100,000 small and medium-sized enterprises took advantage of our offers last year. our share in the sme lending market increased to 46% last year. this is a record for everything the lifetime of the bank for us. it is also important to maintain an international link, including in the area of ​​social responsibility of business, in particular, we maintain plans to achieve carbon neutrality by 2030 . sber is one of the pioneers of responsible finance in russia

in 2022 sber's portfolio of responsible finance grew by 3 1/2 times we share our competence in this area with the regions of the russian federation and develop a proposal to overcome the transformation of the region our strategy transformation into a technology company and the creation of its own software solutions has brought results. we ensured the uninterrupted operation of all our systems in the conditions of the departure of about 85% of western vendors, and we replaced foreign solutions. we reached our own strategy ahead of schedule. by 2023, 80% of the critical it landscape has been transferred to the target state, we have already begun to share our developments with other companies and banks, the sberbank digital platform formed the basis of the unified digital platform

of guests, remains the center of development artificial intelligence technologies in the russian federation, take artificial intelligence technologies into more than 75% of all our processes, and the financial effect from their application last year amounted to 235 billion rubles. the fight against cyber fraud has reached a new level. what a working capacity we have for me, it was just a new discovery. the guys worked almost around the clock for a long time and, compared to 2021 , the power of dosa attacks increased by 4 1/2 times ; in 2022, we reflected uh, 490 uh large wealth, and small dosaaks were just a non-stop background and became three times more with such a number of attacks, we

ensured the continuity of the bank service for 85% of foreign developers. left the russian market. it was an understandable strategy within the bank for block t. and we understood that foreign venuses would leave. and in general. we have to take full responsibility for the entire development. new good afternoon. my name is anastasia sberbank employee you were called by scammers. acting your card is currently suspended you need a girl. we've been talking artificial for so long. we have a unique fruit monitoring system that suspends operations to check the legitimacy of its effectiveness is 99%, which is a unique indicator in the world, our system is based on artificial intelligence, and this system determines the level of criticality of the risk

of the operation. if we talk about how all these neural networks are used in the bank , it takes 7 minutes to follow, then artificial intelligence has already been integrated , which allows you to process very quickly information about people to make a decision issuing a loan voice assistants. now communication takes place with urban artificial intelligence. the unmanned vehicle is also actively using neural networks to scan the road to identify objects. and now our center processes more than 400 billion events. we are 24/7 365 days a year. our open free library. kibraria cybersecurity knowledge helps people and companies protect themselves from scammers, and be even more successful in the fight as an expert in the field of cybersecurity with them. we continue to innovate despite the challenge. our latest recommendation platform. powered by

artificial intelligence, it helps to fine-tune offers. for our customers, the line of smart devices in the world has been replenished with a column of sberbank from burbun mini, as well as smart sber tvs. bank

hmm forward our profit for the last year amounted to more than 270 billion rubles. at the same time, sberbank does not use the regulatory easing of the central bank. we increased our own funds and increased our capital adequacy despite moreover, we were able to return $6 billion of blocked assets from abroad and created a reliable safety cushion in the form of reserves. the russian business bank continues to develop successfully. we showed steady growth in key revenue items. these results would not have been possible without a massive savings program and project prioritization. we managed to reduce operating and capital expenditures by 240 billion rubles. we coped with the outflow of qualified personnel, the turnover of our staff decreased,

and the number of open vacancies is at a minimum over the past few years, the current dynamics. the business allows us to look forward to a strong return on equity this year. it's about 20%. we look to the future with confidence, our supervisory board has recommended paying dividends in the amount of rub 565 billion. this is 25 rubles. per share. this is the highest dividend payout in the history of sberbank. today, 1.5 million russians are shareholders, and in their portfolios, our shares take first place. thank you dear shareholders for your trust. i want to thank our clients and partners for inspiring our team to create the best services and development, the latest

technologies for the benefit of the business community and our entire country. i am sincerely grateful to every member of our team. to all those who made possible today's results. we must be the best at what we do and the basis of our success. these are the three most important components. these are our technologies. this is a unique culture, the savings and, of course, these are our teams. i'm glad the fact that we passed this test and we remained true to ourselves people ready to help those around us at every moment of our often very difficult work with you, and in the end i want to show you. a little story that resonates with how i feel and with what we are doing as a whole

team. thank you what to do, and i remembered, she wanted a slow cooker, let's translate it into a slow cooker happy birthday . has it been translated or not. and what about the connection, the connection with the satellite is stupid ekaterina hello how can i help? you feel bad audibly repeat, please. yes, we need

to see. cuckoo you're like normal

soon need an ambulance. please try to find some landmark, maybe the building is old. yes found hello there was an accident. we need an ambulance.

ekaterina, you will soon arrive with us. hello how can i help? we continue to broadcast and now to the situation on the moscow exchange the dollar is trading this morning in the area of ​​the mark of 81 rubles. and 70

kop. the euro costs more than 89.5 rubles. and the yuan is about 11 rubles. and 85 kop. moscow exchange index at the moment opening of trading at 10 o'clock 2.642 points and rts 1.18 points. now let's go to a short advertisement. bank cashback 20% for purchases in supermarkets with a free alfa bank credit card order a card today and we will instantly deliver it to anywhere in russia mobile bank. have you ever had such that paying online made you remember where your card is now the svp button. it doesn’t matter where it is, and paying for purchases is not only convenient, but also profitable to pay through a quick payment system without getting up from the couch.

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friends and fragrant zhatei rest. and only we need rest after rest, but if you want her for your show, only we have every taxi driver a business coach, and only we have a comedian. maybe in all seriousness to advertise the bank, not only we have the fsb bank, which supports us throughout the fsb

, we believe in people. sberbank presents a loan with the lowest rate in 10 years. yes, friend, how much we had with you, remember, i was looking for the keys, and you had them. how did you not let me sleep did you loosen your springs? how are you tired of the sofa, take things easier with a loan from sberbank at a rate of four percent per annum with a monthly felt bag, obviously

profitable. two sailors of a russian vessel that caught fire off the coast of south korea , the search for two more crew members continues , according to local media, rybolov himself from being towed. 21 people, 19 normal condition, two people received a summer garden, 19 people will be taken ashore by captains, a senior mechanic. remained korean rescuers. i keep searching four dangerous ones initially extinguished the localized fire on board, by that time the vessel had flared up again by the time it arrived ashore, and now its localization is continuing, basically.

the situation around kiev pechersk lavra is again heating up on the territory of the monasteries this morning, law enforcement officers arrived, the police cut off the locks and turned off the alarm in one of the buildings of the monastery, and earlier it was reported that the entrance to the temple was blocked and the mounted mother of god, let me remind you, the confrontation of the monks in the canonical church and the authorities don't last the first day before, the commission of the ukrainian ministry of culture, with the support of the police, sealed one of the buildings of the convent all night and in the morning they shelled everything, donetsk only in the last hours they opened fire on the capital of the dpr three times from nato guns. canada has not calmed down for several days, and the consequences will tell our correspondent stanislav vasilchenko, he joins us stanislav greetings what is the situation now? yes, alexandra greetings indeed. over the past few days , ukrainian formations have been practically without stops cover uh, frontline areas. donetsk kiev kuibyshevsky kirovsky districts.

only last night they fired, at least three times recorded about 16 arrivals of artillery shells, but on the eve of the shelling continued at night and throughout the day in the same kuibyshev region , the enemy fired more than twenty artillery shells, beat, ukrainian national nationalists in the private sector, probably even not aiming, because there are no military or strategic facilities, but in that area no one of the shells hit a private house, where at that moment there was a woman, she died , the employees of the investigative committee promptly left for the place. and here is how they commented on the situation. fragments were found according to the characteristic features, it can be assumed that this is 150 2 mm artillery with which the shelling. i repeat yesterday the shelling continued throughout the day, therefore, for security purposes. our film crew could not immediately go to

the place where the arrival was recorded. we went there early this morning and even found ourselves there the husband of the deceased woman at the time of arrival. he was in a neighboring building, so the fragments that scattered for tens of meters around him did not catch on. of course, he is now in a state of shock, but he was able to tell us. eh, about those minutes when there was an arrival. about 15 more shells, presumably 155 nato caliber, were fired by the kiev regime in the popetrovsky district of donetsk the day before , presumably fired from american

m-77 howitzers. in addition, the enemy fired 40 shells from multiple launch rocket systems, in fact, these are two complete packages, and the grad installations were destroyed, of course, serious, but there were no casualties, as in the kirovsky district, donetsk, he is also under the gun of ukrainian nationalists today. uh, i must say that for the last few hours the sounds of arrival have not been heard. however, you can clearly hear how the russian army is working, what is our artillery, that the tanks of the very morning cover the positions of the ukrainian military? well, we are monitoring the situation alexander thank you , our correspondent was in direct contact from donetsk stanislav vasilchenko increased the number of injured as a result of the emergency in belgorod to three

. now restoration work is underway in the city, the damaged house is already being followed by specialists. three suffered one person refused hospitalization one in one one resident was diagnosed with a closed check for brain injury 37 of the brain. in life, nothing threatens all the necessary assistance, it is also provided for an elderly woman became ill , her blood pressure rose, and she was hospitalized. last night, it was decided to play it safe and completely three entrances, a five-story house was resettled, an evocation took place under the control of the employees of the ministry of emergency situations and the head of the city. to the situation with the russian ship off the coast of south korea, the bodies of all four sailors