In 2016, Sberbank invested resources in the development of the segment, developed effective tools and relevant products and services for corporate clients.
In 2016, we took another big step in moving our business to remote and digital channels. Our mission is to create the best possible convenient services for conducting paperless and cashless business, allowing you to quickly and reliably carry out all the necessary operations. The transition of customers to digital channels also has a positive effect on our own efficiency. Due to the fact that 99% of payments for legal entities are made through Sberbank Business Online, in 2016 we were able to reduce the number of Sberbank corporate offices in the country by a thousand without any serious consequences.
Maxim Poletaev First Deputy Chairman of the Board
Quality of service
Sberbank pays great attention to the level of satisfaction and loyalty of corporate clients.
68 points TRIM index at the end of 2016
In 2016, the TRIM index increased by 1 point compared to the previous year, to 68, primarily due to an increase in the level of satisfaction among customers of large and medium-sized businesses. Estimates of small and micro business clients are stable relative to the previous year.
CSI scores have improved significantly across most products and channels. The largest growth occurred in the opening of a current account - by 3%, the implementation of settlement transactions - by 5% and Sberbank Business Online - by 7%.
The number of requests per 1,000 active clients by the end of the year was 10.2. Sberbank carefully analyzes problem areas in communication with customers and eliminates them. Thus, as a result of mass requests for the Self-collection service, Sberbank began to introduce automated system"Sirius", which will allow you to resolve customer issues according to a simplified scheme within an hour.
Sberbank modernizes claims service, works with negative reviews customers based on market research results. A pilot was conducted with the corporate client support service on compliance procedures, which allowed to increase the response of clients to compliance requests by three times.
Online lending in one day
In order to improve the quality of customer service and customer satisfaction, Sberbank began to consider applications and provide loans remotely online, which reduces the loan term to one day.
Credit document flow in remote service channels
With the development of remote service channels, the process of submitting documents for reviewing credit transactions and concluding loan and security documentation has been transferred to electronic form. Thus, communication between Sberbank and the client has become much more convenient.
Transactional business
The development of remote customer service channels makes the main services of Sberbank mobile and remote, and therefore more comfortable for the client, as evidenced by the statistics of Sberbank Business Online users:
99 % payments are made through Sberbank Business Online
- 1.4 million customers make transactions in this system;
- by the end of 2016, 99% of payments were made through Sberbank Business Online Online or its mobile app.
Today, 33% of all corporate customer payments in Russia go through Sberbank. Since the beginning of 2016, customers making settlements within Sberbank had the opportunity to settle with counterparties in the 17 × 7 mode, in the fourth quarter of 2016 - in the 20 × 7 mode, including public holidays. Currently, more than 1 million customers make payments outside of business hours. In total, 9.4 million transactions were carried out in 2016, the share of transactions during non-operational hours reached 11%. Work to increase the availability of the service to 24 × 7 mode continues.
In July, a new online service was launched: remote opening of the second and subsequent settlement accounts. Now the client can open these accounts through Sberbank Business Online without visiting the Sberbank office and immediately use them for settlements.
In 2016, Sberbank implemented solutions that meet the needs of specific customers in large and medium-sized businesses and CIB customers. Thus, in order to secure a transaction for the acquisition of a company and repayment of a loan, a new product "Escrow Account" was developed - an account for escrow of funds using when certain conditions occur. Another solution was proposed, aimed at supporting large infrastructure construction, and called the Collateral Account: the client was provided with security for the transaction in the form of a pledge of rights under a pledge account agreement.
№ 1 in Russia by volume foreign economic activity
Sberbank is actively working to develop products for clients participating in foreign economic activity. Sberbank ranks first in terms of foreign economic activity in Russia, provides customer service across a wide range of products and makes settlements in more than 130 countries in 18 currencies.
In September, Sberbank offered new service"Customs payments and services", which allows customers to pay customs payments on their own or using brokerage scheme, as well as electronically declare goods. The service is completely remote, connected remotely through Sberbank Business Online. Its key advantage for customers is cost reduction and the ability to make payments to the Federal Customs Service of Russia online without reserving funds on the account. This service has no analogues in the banking services market.
In October, a new product "Nominal account" was launched for accounting Money third parties - beneficiaries for the subsidiary "Real Estate Center from Sberbank". The service is an alternative safe deposit boxes in real estate transactions. The use of an account increases the reliability of the transfer of funds between participants in transactions, increases the amount of funds raised by the bank and reduces the amount of cash transferred between participants in transactions.
In 2015, Sberbank introduced an automated process of paying out insurance indemnities to depositors – individual entrepreneurs of bankrupt banks from the fund of the Deposit Insurance Agency, and from the beginning of 2016 started making such payments. Of the 17 thousand depositors of 29 bankrupt banks, 7.4 thousand individual entrepreneurs turned to Sberbank.
During 2016, the number of cash transactions at points banking services thanks to the promotion corporate cards and the development of the self-collection service - cash deposits through self-service devices without using a card. As a result, over the year, the number of cash transactions at banking service outlets has halved.
39 % Sberbank's share in the corporate card market
Sberbank's share in the corporate card market has increased by 9 percentage points since the beginning of the year and amounted to 39%. The number of cards doubled over the year, to 607,000. Since 2016, Sberbank has been offering a new service – the issuance of corporate cards to a current account. Now the client, through the Sberbank Business Online system, without contacting the Sberbank office, issues a card to an existing current account and fully manages it life cycle: Changes the holder's details, manages the spending limits of the card. By new technology mass pre-release by the beginning of 2017, more than 326 thousand such cards were issued.
The popularity of the "Self-collection" service is growing, which allows you to replenish the company's current account through a self-service device. You can use the service regardless of the place of registration of the company in any self-service device with the function of accepting cash. The number of such devices across the country is 55.5 thousand. More than 400 thousand corporate clients of Sberbank donate their earnings using this service. The volume of transactions for the service increased by 17% over the year and amounted to 61.6 billion rubles.
The number of transactions on the service has grown to 1.5 million per month. At the beginning of 2017, Sberbank launched a pilot project to provide the Self-collection service using the Sberbank Business Online, Sberbank Business and Sirius systems.
20 % Sberbank's share in the collection services market
In 2016, Sberbank reduced its market share in cash collection services by 2 p.p. to 20%. The volume of collected proceeds amounted to 5.8 trillion rubles.
The electronic document flow E-invoicing between Sberbank and customers for the provision of invoices for bank services and certificates has become even more popular and in demand: the share of electronic invoices has grown from 60% to 89%. Since the end of 2016, the service " Reliable partner". It is part of the Sberbank Business Online system and is included in the E-invoicing product. This service accumulates data from open sources in a single information window and allows the user to check the relevance and reliability of information about his business partners, evaluate them financial condition and trustworthiness.
Sberbank corporate clients can also access services remote service. For example, today the Sberbank Corporation system is popular, which, speaking in in general terms, allows you to work remotely with accounts opened both in Sberbank and in other financial institutions.
Main functions of the Sberbank Corporation system
There are several important functions that the Sberbank Corporation system supports:
— Creation of payment orders for the accounts of holding divisions;
— Obtaining detailed information on the accounts of subsidiaries and branches;
— Acceptance of payment orders of branches and subsidiaries;
— Consolidation of data on the movement of funds;
— Distribution of limits and balances;
— Creation and saving of templates;
— Monitoring of budget execution and its multi-level control.
Advantages of the Sberbank Corporation system
This system has several advantages that I would like to note. For example, you can work in it both on a computer and through a special mobile application of the same name. It is currently out for the iPad.
The service also operates 24 hours a day, 7 days a week. No fees are charged for various transactions. And for reliable and full-fledged work, only an Internet connection is required.
For clients - legal entities, as well as individual entrepreneurs, the largest Russian bank offers a paid service that allows you to manage financial flows remotely: by exchanging information with Sberbank in in electronic format. In essence, the Sberbank Business Online system is an Internet client. The personal account of Sberbank Business Online is universal, and is suitable for both big players market and small businesses. Usage electronic service significantly saves time in solving banking issues, and authorization is required to enter the remote online system.
Sberbank Business Online for small businesses
Using the personal account of the Sberbank business online service helps small businesses conduct financial affairs with a minimum investment of time without visiting a bank branch.
With the help of Internet banking, legal entities and entrepreneurs can:
- Make payments on accounts of counterparties;
- Pay taxes and fees;
- Receive and generate electronic documents in accordance with certain contractual terms;
- Track the status of document processing;
- Maintain a directory of contractors,
- Create templates for typical frequently used documents,
- Set up interaction with 1C accounting software (import and export electronic documents);
- Electronic signature of documents;
- Control of the movement of funds on accounts through statements and SMS informing;
- Create charts for profit and loss analysis.
Features of Internet banking for legal entities
The tool provided for doing business makes the client's business mobile, since you can perform work in the system at any convenient time. The portal is available around the clock, including weekends and holidays.
The security of electronic data exchange is ensured by a unique mechanism for identifying a client, confirming transactions one-time passwords, as well as a system for encrypting transmitted information.
The service interface is convenient and intuitive. Developers are constantly expanding functionality personal account, make it more flexible. The system is equipped with contextual hints, so that it is easy for an inexperienced user to understand the main functional modes.
Cost of servicing Sberbank Business Online
The initial connection of a legal entity to Sberbank's Internet banking is paid - 960 rubles. For servicing the service, the bank deducts a subscription fee in the amount of 650 rubles per month from the account.
Separately paid:
- Installing and configuring a cryptographic software package at the client's workplace, including training employees of the organization. Price Maintenance is 3300 rubles.
- Cryptographic protection by type:
- standard electronic key - 990 rubles / piece;
- touch electronic key - 1990 rubles / piece;
- electronic key with a screen - 3990 rubles / piece.
- E-invoicing service, including the sending of electronic documents to third parties and the "Reporting" functionality. Monthly tariff - 295 rubles.
Login to Sberbank Business Online
On the main page of the bank's official website sberbank.ru, there are deposits for "Small Business" and "Corporate Clients" with information for the corresponding category of clients. On the page of each of these sections, at the top right, there is a Sberbank Business Online window with the "Login" button.
Clicking this button opens a page that allows you to log in after authorization. Personal Area. Client identification is performed using the 9443 ic login protocol. This transfer port securely protects the exchange of information.
To enter your personal account for the first time, you must have an ID and password issued by the bank. In the course of further work, the identifying parameters are subject to replacement in accordance with the rules and regulations prescribed in the bank's instructions.
The entrance for corporate clients, entrepreneurs and owners of small and medium-sized businesses is provided in two versions:
- Via one-time confirmation SMS codes;
- With an electronic key.
Logging into the system via the Internet client sbi.sberbank.ru:9443
To quickly access the Internet client 9443 ic in Mozilla Firefox or Internet Explorer, you can create a tab with the link sbi.sberbank.ru:9443/ic. In order for the client to log in to the system, it is necessary to correctly enter the account and password on the start page. After identifying the user, confirmation of entering the personal account is required, which is carried out by one of the methods selected when registering the client in the service (SMS - a one-time code or an electronic key).
SMS - login confirmation
After filling out the identification form with the appropriate login and password and clicking the "Login" button on mobile phone, whose number was assigned to the client when registering the Sberbank Business Online service, a one-time authorization confirmation code is sent by SMS. You should enter this value in the confirmation box and click the appropriate button to load the pages of your personal business account.
Login with electronic key
Confirmation of entry into the system can be organized by means of an electronic key (Token). The variant of the token can be standard (in the form of a USB flash drive), touch or with a screen.
The electronic key carrier should be connected to the computer. If autostart of the dongle is not configured, you need to launch the *.exe program from the removable media yourself. Depending on the dongle firmware, the name in place * can be the following: start, tlsapp or sslgate.
In the program window that opens, in the fields " Account” and “Access Code” enter the PIN and password, respectively (indicated in the PIN envelope issued by the bank along with the carrier). After confirming work in the system with a PIN code, the client receives an accessible link to the personal account of Sberbank Business Online @ yn. Depending on the number of employees who are given access to the system, there may be an identical number of PIN values with individual codes access.
An important nuance: in order to use all the available functionality of the Sberbank Business Online service, registration is required at the bank branch.
Registration in the personal account of Sberbank Business Online
To register in the personal account system, a representative of a legal entity or an entity engaged in entrepreneurial activity without the formation of a legal entity, he must apply to a bank branch with a statement of a certain sample with a request to connect the above-mentioned service. Together with the application, a certain package of documents is transmitted to the bank, which is necessary for concluding an agreement on the use of Internet banking from Sberbank.
Upon completion of the procedure for registering a new client, the bank employee issues an information sheet containing an identifier for accessing the personal account, and the initial password is sent to the mobile phone specified in the concluded agreement.
An important nuance: the bank, for its part, guarantees the security of remote work, but the client must also comply with the necessary confidentiality rules by following the brief instructions on the start page of the service.
Sberbank Business Online client security rules
- The client is obliged to store data for authorization in a personally closed access;
- Do not disclose identification parameters to anyone (even bank employees);
- Timely block the phone number associated with the bank in case of its loss;
- Sberbank does not request any additional information other than the login, password and confirmation code. You should be extremely careful to avoid fraudulent activities through spyware (computers are susceptible to virus attacks) and promptly consult with bank employees in such situations;
- For security reasons, you should not use publicly available equipment to work with the system, such as computers in clubs, post offices or Internet cafes;
- When using SMS confirmation codes, you need to carefully check the details of the transaction being confirmed;
- Cannot be used for installation mobile application Sberbank Online is the same device to which the bank sends SMS with confirmation codes.
Questions and answers
When working with the Sberbank Business Online system, customers have various questions. Below is a selection of the most frequently asked questions and answers.
How to get a statement of operations for a certain period in Sberbank Business Online?
In the main menu on the portal page, open the "Services" tab and then use the "Ruble Operations" mode to access the "Statement of Ruble Accounts" toolbar. On the panel, select the button "Statement of ruble accounts for the period." In the window that opens, define the period, current account, print form (standard, extended, with attachments). Click on the "print" button to output the generated document to paper.
How to export an extract from the Sberbank Business Online system to 1C?
In order to export banking information on accounts to the 1C program, you must use the "1C Exchange" mode located in the "Additional" tab. You need to select the "Statement of ruble accounts for the period" function, move the necessary accounts to the "Selected" column, define the period and click the "Export" button. Upon completion of the procedure, you need to follow the proposed link to download the file to the computer's memory. The file formats for interaction with 1C are as follows: txt for payment orders, xml for payroll registers. For export-import of other documents, csv and dbf files are used. The exchange of information is carried out using the "Import/Export Wizard" function of the system.
How to issue a payment order, fill in bank details in Sberbank Business Online?
In the "Services" tab, open the "Payment Orders" and "Correspondence for Ruble Transactions" modes in sequence and click the "Create" button. The organization's data is entered automatically, and in order to fill in the inactive fields of the KBK, OKATO and others, you need to select the "Status Indicator" function, in accordance with which you select the details values from the directories.
How to connect a salary project to Sberbank Business Online?
If initially when concluding an agreement for the use of the Sberbank Business Online service salary project was not connected, but in the course of activity the need for such arose, you can use the "Connected registries" function to prepare a corrective application to the bank (check the box "Electronic registries (salary lists)"). The application must be submitted to the bank at the place where the account is maintained.
If the Sberbank Business Online account is blocked, what should be done?
If the message “Account is blocked” appears, you should apply to the bank branch at the place of activity for unlocking (a new password is sent by SMS - message).
How often do you need to change your password?
The password is valid for 90 days, after which it must be changed. The system informs the user when the password change period is due. If the authorization password in the online system is forgotten / lost forever, you need to fill out an application at the bank branch for a new password due to loss.
How to create an electronic signature in Sberbank Business Online?
In the "Services" tab, you need to follow the link "Crypto information exchange" and complete the "Request for a new certificate" item. You should print the generated key certificate in 3 copies, sign and seal. Paper copies are transferred to the bank. After registering the EDS, the bank sends a notification by SMS message.
How do I make changes to my account if needed?
If the organization has a change in leadership, then the client must register new user accounts for the system at the bank branch. For these purposes, a corrective application is submitted to Sberbank, and new certificates for electronic signatures are registered. All prepared EDS certificates must be signed and stamped by the organization. After making changes to the account and registering the EDS, the bank sends an SMS message with a new password to enter the personal account and a notification about the registration of a new electronic signature.
How to change the SMS notification phone number in Sberbank Business Online?
In case of loss of the phone assigned when signing the agreement for SMS notification of the client of Sberbank Business Online, it is necessary to fill out corrective applications at the bank branch to replace the telephone number, to which it is planned to receive confirmation SMS codes in the future.
Users of the Sberbank Business Online system may have a variety of questions. Some problems can be solved by calling hotline 8 800 555 84 84, and in the process of communicating with a specialist, get advice on the point of interest in the operation of the service. If necessary, the operator will connect with a service specialist technical support. A technical specialist can be contacted weekdays from 9-00 to 20-00 Moscow time.
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For remote (remote) business management, with the ability to perform all the same operations as when visiting a bank branch in person, Sberbank has developed the Sberbank Business Online Internet client. It will be useful for both small businesses and giant corporations. How convenient this service is, how to connect to it and whether there are security vulnerabilities in it, we will consider below.
Connection to the Sberbank Business Online system
To become the owner of a personal account for business management, you need to contact the nearest branch to work with legal entities (attention! central offices in the region work with legal entities) with a passport and constituent documents confirming that you are an individual entrepreneur or LLC. The employee will ask you to write an application in the form of a bank, after which he will give you a response sheet with information about the service. He will also verbally explain the procedure. Connection will take place within a few hours to 1 week.Login to your personal account Sberbank Business Online
Go to the official login page sbi.sberbank.ru:9443/ic/login.zhtml, enter the login and password received when concluding the contract at the branch.Encryption of input data from interception is provided by the HTTPS protocol under the number 9443, which guarantees 99.9% security.
Whatever security the service provides, remember a few rules, following which you will not leave hackers, scammers a chance:
- The operating system on the computer from which you log into Sberbank Business Online must be licensed so that its security services are constantly updated.
- Don't let browsers remember your personal account password.
- Login and password is known only to you. Sberbank employees do not know them. Any calls under the guise of Sberbank operators, with a request to provide them with access data, are regarded as fraud!
- It is best to keep the login and password on a piece of paper, written with a pen in a secret place. This minimizes the possibility of data theft.
- Do not log in from public Wi-FI hotspots in cafes, bars, restaurants, etc.
- Install up-to-date antivirus programs.
- Close the session with the "Logout" button.
Login to the Internet client with EDS
EDS (electronic digital signature) is special program on a flash card used to log into Sberbank Business Online. It also serves to sign documents (instead of SMS password), which provides additional security. To create an EDS, you should contact one of the many sites offering such a service.
How to change login?
You can't change your login on your own. To do this, contact the bank branch with which you entered into an agreement to open Business Online.How to change the password?
From the page of your account, find the lock icon, click on it. In new versions of Business Online, design adjustments are possible, in any case, you need to find the security icon (most often a lock) or edit the profile in the upper corner.
- Keep the old password.
- Enter the new password twice.
- Save.
What to do if you forgot your password?
When forgotten password, do the following:
Service features
- Management and processing of electronic payments.
- Complete information on your accounts and their balances.
- Free correspondence with the possibility of attaching files.
- Monitoring the status of operations through SMS informing.
- e-invoicing
- Integration with 1C
For many years, professional comprehensive service corporate clients (both SME and big business) the most different types and industries.
For many years, one of the main priorities of the work of Sberbank of Russia has rightfully been considered to be a professional comprehensive service for corporate clients (both the SME sector and large businesses) of various types and industries. Today, Sberbank provides customers with a fairly wide range of banking services:
- Numerous deposit programs
- Lending to corporate clients
- Operations with documents of different types
- Operative settlement and cash services
- Carrying out operations with securities
- Service with corporate cards
- Implementation of convenient payroll projects
- Financing various projects, etc.
The practice of working with Sberbank demonstrates many advantages of using corporate programs, individual approach to work, great potential for development.
Sberbank for corporate clients online
The most popular and comfortable Internet system for remote work with individual entrepreneurs and legal entities today is Sberbank Business Online. With the help of this Internet project, each corporate client of the bank has the opportunity to generate and send the necessary payment documentation, constantly monitor the movement of funds on the company's active accounts, and use all possible banking services. Service via the Internet provides not only maximum comfort in cooperation with the bank, but also allows you to significantly save your own time.
Sberbank Business Online for corporate clients
Connecting the Sberbank Business Online service does not require serious efforts. It is enough just to visit a bank branch once in order to conclude an Internet service agreement. It takes such a procedure on the strength of half an hour if you collect the entire required package documentation for registration in the system (the list of documents is available on the official website of the bank). Software it is also not required to work with Sberbank Business Online: all operations here will be carried out in a special bank interface. The work is carried out using a browser convenient for you.
Sberbank Online: corporate clients - login
Login to the Sberbank Business Online system is carried out using the url-address -. The system itself guarantees the absolute security of all individual data of each client, which makes it possible to exclude the possibility of third parties using your organization's internal information. To log in, you just need to enter a username and an individual password. The login will be provided to you by the bank on an individual basis in a special information sheet, which is transferred to the client after the conclusion of the contract. You will receive the first password in an SMS message. After the first login, each client is given the opportunity to replace the secret code with an individual one.
RKO in Sberbank (Settlement and cash services)
Sberbank of Russia offers three options settlement and cash services: "Basis", "Active" and "Optima". Each of them includes services for maintaining a ruble account, a monthly fee for using the Sberbank Business Online system, services for receiving and issuing cash, providing certificates and duplicate statements. The scope of services depends on the chosen program and ranges from 2200 to 3100 rubles. per month. Buyers of each of the packages are given a 50% discount on issuance checkbook. To switch to service at Sberbank, you need to open an account, draw up a service agreement and write an application.
Sberbank collection
The bank offers the following types collection services: delivery of banknotes from the Bank of Russia, withdrawal from self-service devices, transportation of money between structural divisions, maintenance of automatic safes. The advantages of cash collection in Sberbank are: an extensive network of bank offices, service at a convenient time, the ability to order money with a breakdown, transportation of large amounts, armored vehicles, reliable control over the collection process, the presence of military small arms among employees, individual calculation of tariffs depending on the volume transported amounts.
Sberbank acquiring
Sberbank of Russia provides a service to business representatives for receiving bank cards(acquiring). It allows you to attract new customers who are used to paying with cards, increase the average size purchases and provide the opportunity to buy goods on credit credit cards. Also, acquiring eliminates the need to check the authenticity of banknotes, reduces cash at the cash desk, speeds up customer service, reduces collection costs, etc. To receive the acquiring service, you need to write an application to the nearest branch of the bank and conclude an agreement. Then representatives of Sberbank will install the necessary equipment and train the employees of your organization.
Sberbank remote service
Business representatives can receive Banking services remotely. Service is carried out using the Sberbank Business Online systems, the mobile application of the same name and the system electronic document management e-invoicing. Their use reduces the cost of processing and storing paper information, allows real-time tracking of payment documents, accessing an account from anywhere in the world, managing an account by several users, etc. To connect to the services, you need to sign a service agreement at the nearest bank branch.
useful links
- Section of the Sberbank website dedicated to corporate services -
- Settlement and cash services - .