Mission and values ​​of Sberbank
Bank Mission:
We give people confidence and reliability, we make their lives better by helping them realize their aspirations and dreams.
We are building one of the world's best financial companies, the success of which is based on the professionalism and sense of harmony and happiness of its employees.
Our mission defines the meaning and content of the Bank's activities, emphasizing its most important role in the Russian economy. Our clients, their needs, dreams and goals are the basis of all activities of the Bank as an organization. The Bank's mission also sets an ambitious goal for our aspirations - to become one of the best financial companies in the world - and emphasizes how important its employees are to Sberbank, and how the implementation of its goals is impossible without the realization of their personal and professional goals.
The Bank's lofty goals are achieved by a team of like-minded people united by a common value system.
Our values:
Decency
The pursuit of excellence
Respect for traditions
Trust and responsibility
Balance and professionalism
Initiative and creativity
Teamwork and performance
Openness and friendliness
Healthy lifestyle (body, spirit and mind)
Our values ​​determine the set of rules, criteria and requirements that we impose on every person who is or wants to become a member of the Bank’s team. Our values ​​are a set of principles based on which the Bank's managers will set goals and determine whether they have been achieved. These values ​​underlie relationships between employees, the management system within the Bank, as well as the Bank’s relationships with clients, society, shareholders and investors. Awareness and sharing of the Bank's philosophy and values ​​is fundamentally important for the Bank's transition to a new qualitative level of development.

Bank Rules:
To be more than just a bank.
Show attention to each client, prioritizing their needs.
Build relationships, not sell a product.
Improve yourself and your environment every day
Don't exploit our clients' weaknesses.
Comply not only with the letter, but also with the spirit of the law.
Each employee is the face of the Bank.
Devotion to the Bank, teamwork, common success – everyone’s success.
What is Sberbank?
For clients
A bank that values ​​every client
A partner bank that is ready to help every client every day in everything related to finance
A bank you can trust: it is financially stable, it will not deceive you, it has fair conditions, it will provide quick and convenient service, it will help you choose and make the optimal financial decision based on the interests of the client
A bank that is constantly working and improving to please its customers and improve its work
The best bank on the market
For staff
A bank that values ​​its employees and cares about them
A bank that allows employees to develop personally and professionally, where the best professionals strive to work
A bank where employees feel like active participants in all processes, and not “cogs in a big machine”
A bank that provides its employees with decent material income and position in society
A bank that's fun to work for
A bank in which you can be proud to work, which is respected, and whose employees are confident in their future
For shareholders and investors
A bank that is the country's leader in return on capital and return to shareholders
A bank committed to high standards of corporate governance, building its work on the principles of openness, transparency and predictability
A bank that consistently pursues a balanced, reasonable and professional approach to risks
A bank that actively implements high standards of social responsibility
For society
The leading bank, the pillar of the country's financial system, the basis of its growth and prosperity
Active participant in the economic and social development of each region and city
A Russian bank actively participating in the development of the global financial system
A responsible bank that is aware of the consequences of its decisions and actively invests in the growth of financial literacy and culture
A bank that employs people with an active lifestyle
Strategy
On October 21, 2008, the Supervisory Board of Sberbank of Russia unanimously approved the Development Strategy of Sberbank until 2014. The main directions of transformation.
Main directions of transformation
Maximum customer focus and transformation of Sberbank into a “service” company serving individual and corporate clients
Technological renewal of the Bank and “industrialization” of systems and processes
Significant increase in the Bank’s operational efficiency based on the most modern technologies, management methods, optimization and rationalization of activities in all areas through the implementation of the Sberbank Production System, developed on the basis of Lean technologies
Development of operations in international markets, primarily in the CIS countries

Goals and objectives until 2014

The implementation of the Development Strategy will allow the Bank to strengthen its position in the Russian banking services market and achieve financial and operational indicators corresponding to the level of high-quality universal global financial institutions.

Open Joint Stock Company "Nizhnekamskneftekhim"

OAO Nizhnekamskneftekhim is a dynamically developing, high-tech petrochemical enterprise of the Russian Federation, part of the TAIF group of companies. The company's production complex includes: 10 main production plants, 6 centers (including scientific, technological and design), as well as auxiliary workshops and departments located at two production sites and having a centralized transport, energy and telecommunications infrastructure .
Mission
OAO Nizhnekamskneftekhim sees its mission in fully satisfying the requirements of consumers.
lei, obtaining maximum profit for the development of the company and fulfillment of all social
obligations.
Priority areas of activity and development prospects
Implementation of a comprehensive strategic development program until 2016:
– a project to organize the construction of an olefin complex;
– projects to increase the production capacity of synthetic rubbers: BK, GBK, SKI, SKD-N;
– modernization and expansion of existing production facilities for petrochemical products
(divinyl, isobutylene, isoprene, alpha-olefins).
Construction of ABS plastics production with a capacity of 60 thousand tons/year.
Completion of reconstruction of EP 600 ethylene production.
Implementation of energy saving and environmental program activities.
Continued implementation of an integrated enterprise management system based on software
SAP ERP product from SAP AG.
The range of products includes more than one hundred items. The basis of the product range is:
- synthetic rubbers for general and special purposes;
- plastics: polystyrene, polypropylene and polyethylene;
- monomers, which are the feedstock for the production of rubbers and plastics;
- other petrochemical products (ethylene oxide, propylene oxide, alpha-olefins, surfactants, etc.).

The birthday of OAO Nizhnekamskneftekhim is July 31, 1967. On this day, the first products of the first-born petrochemical plant - the central gas fractionation unit - were shipped to consumers.
Over 43 years of production activity, the company has grown into the largest petrochemical complex in Eastern Europe. The joint-stock company's products are exported to 59 countries in Europe, America, and Southeast Asia. The share of exports in the total volume of production is about 50%. The most large-scale products sold for export include synthetic rubbers, plastics, styrene and neonol.
OAO Nizhnekamskneftekhim improves the technical and economic indicators of its work from year to year. In 2010, sales volume reached 94.4 billion rubles, which is one and a half times higher than the previous year. Profit from sales exceeded 12 billion rubles, or four times the level of 2009. Net profit exceeded 7 billion rubles for the first time. Export shipments amounted to 47 billion rubles. or 50% of the total sales volume. The company's capitalization increased 1.7 times and reached 39.3 billion rubles.
OAO Nizhnekamskneftekhim is implementing a large-scale investment program determined by the enterprise strategy, which consists of:
- strengthening the company’s position as a manufacturer of a wide range of rubbers in the domestic and foreign markets;
- confirmation of the status of a major player in the production and sales of a wide range of plastics;
- development of new and development of existing external and internal sales markets;
- creation of large-scale production of base monomers and a wide range of advanced processing products.
As part of a comprehensive strategic development program until 2016, the company is systematically implementing measures to increase the capacity of basic monomers, rubbers and plastics; expansion of the branded product range.
Today, the joint-stock company occupies a leading position among domestic producers of synthetic rubbers. The total volume of their production in 2010 became the maximum in the entire history of the company: more than 500 thousand tons of rubber of seven types.
The enterprise successfully fulfills the task of increasing the degree of conversion of hydrocarbon raw materials into products with higher added value, such as plastics. In 2010, 544 thousand tons of all types of plastics were produced. In the near future, their production capacity will increase due to the organization of ABS plastic production.
As part of the modernization of the ethylene complex at the plant, acetylene hydrogenation and commercial ethylene purification units were launched. This made it possible to produce a record 593 thousand tons of ethylene in 2010 and 13 million tons since the start of production.
The company's strategic development program was developed in integration with the main directions of the Presidential program for the development of the petrochemical complex of the Republic of Tatarstan and is fully consistent with its goals and objectives. It also corresponds with the Development Strategy of the chemical and petrochemical industry of Russia for the period until 2015, which is being implemented by the Ministry of Industry and Trade of the Russian Federation.
For the purpose of mutually beneficial industrial cooperation, within the framework of promoting small businesses and to create a zone for sustainable consumption of polymer products, the Nizhnekamsk Industrial District was created on the basis of Nizhnekamskneftekhim. Today, the enterprises that are part of the district operate successfully in the Nizhnekamsk region, Mendeleevsk and Elabuga. They produce a wide range of polymer and rubber profile products, auto components, extruded polystyrene, as well as various polymer films and threads. In 2010, Nizhnekamsk plastics began to be processed in the Kamskie Polyany industrial park, where the production of polypropylene multifilament threads and stretch film was launched. In 2010, the enterprises of the Nizhnekamsk Industrial District produced products worth about 5 billion rubles and processed 10% of plastics produced by Nizhnekamskneftekhim. In total, the introduction of new processing facilities created more than 500 jobs in the district.
To finance the capital investment program, OAO Nizhnekamskneftekhim uses its own profits, as well as borrowed funds. The joint-stock company attracts funds from global financial institutions, including long-term loans guaranteed by Western Export Credit Agencies.

The Nizhnekamskneftekhim team successfully works in the field of energy saving. Over the past four years, within the framework of the Energy Saving Program, the enterprise has implemented 457 measures with an economic effect of 2.7 billion rubles. Today, the enterprise has adopted a new Energy Saving Program designed for the future until 2020. Within its framework, 231 events are planned, which will save 360 ​​million kWh of electrical energy, 1.9 million Gcal of thermal energy, 47 thousand tons of standard fuel.
etc.................

Every organization and every team member needs a goal that would determine the meaning and content of their activities. New horizons for the Bank’s development, new qualitative tasks place special demands on the team of employees, their awareness and sharing of philosophy and values, understanding of the meaning and most important fundamental principles and content of the Bank’s activities, which are expressed in its mission.

We believe:

• · The main thing in the life of every person is the desire and desire to be happy. Our team consists of people for whom the path to happiness lies through self-improvement. The main obstacles are complacency, unwillingness to see ways to self-improvement, laziness, passivity.
• · When we develop and reach new heights, we feel like winners and experience a well-deserved sense of pride in our team and colleagues.
• · When we change ourselves, the world around us changes and becomes better. It is this inner feeling that gives us a feeling of freedom, self-confidence, and confidence in the future.
• · Changing an organization is possible only through change and personal growth of its team members
• · The path to changing a team lies through the personal growth of its leaders.

Our mission:

• · We give people confidence and reliability, we make their lives better by helping them realize their aspirations and dreams.
• · We are building one of the world's best financial companies, the success of which is based on the professionalism and sense of harmony and happiness of its employees.

Our mission emphasizes the Bank's most important role in the Russian economy and our special social role in society - maintaining confidence, reliability and stability in it. The Bank's mission clearly defines that our clients, their needs, dreams and goals are the basis of all our activities as an organization.

The mission sets an ambitious goal for our aspirations - we want to become one of the best financial companies in the world. She also emphasizes how important its employees are for Sberbank and how the realization of its goals is impossible without the realization of the personal and professional goals of the people working in it.

High goals are achieved by a team of like-minded people united by a common value system. Our values ​​determine the set of rules, criteria and requirements that we will impose on every person who is or wants to become a member of the Bank’s team. Our values ​​are a set of principles based on which the Bank's managers will set goals and determine whether they have been achieved. Based on these values, relationships between employees will be created and maintained, management systems within the Bank will be built, as well as the Bank’s relationships with clients, society, shareholders and investors.

Our values:

• · Decency
• · The pursuit of excellence
• · Respect for traditions
• · Trust and responsibility
• · Balance and professionalism
• · Initiative and creativity
• · Teamwork and efficiency
• · Openness and friendliness
• · Healthy lifestyle (body, spirit and mind)

We are convinced that, following our philosophy and acting on the basis of our value system, the Bank will achieve its goals and become a qualitatively new organization. How will we know that we have succeeded? The main criterion for us is the attitude towards the Bank on the part of our employees, clients, shareholders and society.

What is Sberbank?

• · A bank that values ​​every client.
• · A partner bank that is ready to help every client every day in everything related to finance.
• · A bank you can trust: it is financially stable, it will not deceive you, it has fair conditions, it will provide quick and convenient service, it will help you choose and make the optimal financial decision based on the interests of the client.
• · A bank that is constantly working and improving to delight its customers and improve its performance.
• · The best bank on the market.

Employees:

• · A bank that values ​​its employees and cares about them.
• · A bank that allows employees to develop personally and professionally, where the best professionals strive to work.
• · A bank in which employees feel like active participants in all processes, and not “cogs in a big machine.”
• · A bank that provides its employees with decent material income and position in society.
• · A bank that is interesting to work for.
• · A bank in which you can be proud to work, which is respected, and whose employees are confident in their future.

Shareholders and investors:

• · A bank that is the country's leader in return on capital and return to shareholders.
• · A bank committed to high standards of corporate governance, building its work on the principles of openness, transparency and predictability.
• · A bank that consistently pursues a balanced, reasonable and professional approach to risks.
• · A bank that actively implements high standards of social responsibility.

Society:

• · A leading bank, the backbone of the country's financial system, the basis of its growth and prosperity.
• · Active participant in the economic and social development of each region and city.
• · A Russian bank actively participating in the development of the global financial system.
• · A responsible bank that is aware of the consequences of its decisions and actively invests in the growth of financial literacy and culture.
• · A bank that employs people with an active lifestyle.

Our declaration:

• · In our pursuit of excellence, we set ourselves super-ambitious, daring goals.
• · Leadership means continuous development. It is important for us to be, not to appear. This is what makes us winners, gives us confidence in the future and allows us to be proud of our company.
• · We value our reputation and are faithful to the traditions of trusting partnerships based on mutual respect, competence and responsibility. We only promise what we actually deliver.
• · Respect for clients, partners, employees and shareholders, openness and pluralism of opinions, human decency and a critical attitude towards our own achievements are the key to our continuous movement forward. We lead people to success.

Our rules:

• · Be more than just a bank.
• · Show attention to each client, prioritizing their needs.
• · Build relationships, not just sell a product.
• · Improve yourself and your environment every day.
• · Do not exploit the weaknesses of our clients.
• · Comply not only with the letter, but also with the spirit of the law.
• · Each employee is the face of the Bank.
• · Devotion to the Bank, teamwork, common success - everyone's success.
• · Healthy lifestyle (body, spirit and mind).

Every organization and every team member needs a goal that would determine the meaning and content of their activities. New horizons for the Bank’s development, new qualitative tasks place special demands on the team of employees, their awareness and sharing of philosophy and values, understanding of the meaning and most important fundamental principles and content of the Bank’s activities, which are expressed in its mission.

Bank Mission:

• Sh Bank gives people confidence and reliability, the Bank makes their lives better by helping them realize their aspirations and dreams;
• Sh Bank is building one of the best financial companies in the world, the success of which is based on the professionalism and sense of harmony and happiness of its employees.

The Bank's mission emphasizes the Bank's most important role in the Russian economy and our special social role in society - maintaining confidence, reliability and stability in it. The Bank's mission clearly defines that the Bank's clients, their needs, dreams and goals are the basis of all the activities of the Bank as an organization.

The mission sets an ambitious goal for the Bank's aspirations - to become one of the best financial companies in the world. She also emphasizes how important its employees are to Sberbank, and how the realization of its goals is impossible without the realization of the personal and professional goals of the people working in it.

The main purpose of the bank's activities in accordance with the general license is to attract funds from individuals and legal entities, as well as to carry out credit, settlement and other banking operations and transactions with individuals and legal entities. The priority area of ​​the bank's work in the field of banking services is servicing non-cash payments of individuals and legal entities.

The bank's main task in the field of finance is a gradual return to the pre-crisis level of profitability, which, in turn, will require stabilizing the quality of the loan portfolio, ensuring the repayment of non-performing loans, as well as further growth in business efficiency.

Priority tasks for working with clients for 2010:

• 1) significant improvement in the quality of customer service, increasing their satisfaction with products and services at Sberbank;
• 2) increasing the share in the assets of the Russian banking system by strengthening positions in the main segments of the financial market;
• 3) development of new business areas: insurance, investment banking services;
• 4) development of operations abroad.

High goals are achieved by a team of like-minded people united by a common value system. The Bank’s values ​​determine the set of rules, criteria and requirements that the Bank will impose on each person who is or wants to become a member of the Bank’s team. The Bank's values ​​are a set of principles based on which the Bank's managers will set goals and determine whether they have been achieved. Based on these values, relationships between employees will be created and maintained, management systems within the Bank will be built, as well as the Bank’s relationships with clients, society, shareholders and investors. savings bank loan deposit

Bank values:

• · Decency
• · The pursuit of excellence
• · Respect for traditions
• · Trust and responsibility
• · Balance and professionalism
• · Initiative and creativity
• · Teamwork and efficiency
• · Openness and friendliness
• · Healthy lifestyle (body, spirit and mind)

The implementation of the development strategy will allow the Bank to strengthen its position in the Russian banking services market and achieve financial and operational indicators corresponding to the level of high-quality universal global financial institutions.

As part of the strategy, the Bank sets itself goals in 4 main areas:

• 1. Financial results: an increase in profit by 2-3 times by 2014, while reducing the ratio of operating costs to net operating income by five percentage points, which will allow maintaining return on capital at a level of at least 20%.
• 2. Position in the Russian market: strengthening competitive positions in the main banking markets (raising funds from individuals, lending to the population, raising funds and lending to legal entities), the share in the assets of the banking system is at the level of 25-30%.
• 3. Qualitative indicators of development (the “health” of the bank): the best skills in Russia in the field of customer service, leadership in service quality, a modern risk management system, management and operational processes and systems comparable with the best world analogues, adequate to the requirements and scale of the IT business. platform, corporate culture shared by all bank employees, aimed at self-improvement and increased productivity, highly professional, interested staff, a recognizable “positive” brand, a high degree of customer loyalty.
• 4. Operations in foreign markets: A gradual increase in the volume and significance of international operations due to growth in the markets of Kazakhstan, Belarus and Ukraine, and a gradual increase in presence in the markets of China and India. Increasing the share of net profit generated outside Russia to 5-7%, including through additional acquisitions.

Every organization and every team member needs a goal that would determine the meaning and content of their activities. New horizons for the Bank’s development, new qualitative tasks place special demands on the team of employees, their awareness and sharing of philosophy and values, understanding of the meaning and most important fundamental principles and content of the Bank’s activities, which are expressed in its mission.

Sberbank mission:

Giving people confidence and reliability, making their lives better by helping them realize their aspirations and dreams.

To build one of the best financial companies in the world, the success of which is based on the professionalism and sense of harmony and happiness of its employees.

Sberbank's mission emphasizes the Bank's most important role in the Russian economy and its special social role in society - maintaining confidence, reliability and stability in it. The Bank's mission clearly defines that clients, their needs, dreams and goals are the basis of all activities as an organization.

The mission sets an ambitious goal for its aspirations - the desire to become one of the best financial companies in the world. She also emphasizes how important its employees are for Sberbank and how the realization of its goals is impossible without the realization of the personal and professional goals of the people working in it.

High goals are achieved by a team of like-minded people united by a common value system. The Bank’s values ​​determine the set of rules, criteria and requirements that we will impose on each person who is or wants to become a member of the Bank’s team. Its values ​​are a set of principles based on which the Bank's managers will set goals and determine whether they have been achieved. Based on these values, relationships between employees will be created and maintained, management systems within the Bank will be built, as well as the Bank’s relationships with clients, society, shareholders and investors.

Sberbank values:

Decency

The pursuit of excellence

Respect for traditions

Trust and responsibility

Balance and professionalism

Initiative and creativity

Teamwork and performance

Openness and friendliness

Healthy lifestyle (body, spirit and mind)

We are convinced that, following the philosophy of the Bank and acting on the basis of a system of values, the Bank will achieve its goals and become a qualitatively new organization.

In our pursuit of Bank excellence, we set super-ambitious, daring goals:

1. Leadership means continuous development. It is important to be, not to appear. This is what makes employees winners, gives them confidence in the future and allows them to be proud of their company.

2. Value reputation and be faithful to the traditions of trusting partnerships based on mutual respect, competence and responsibility. Promise only what will actually be done.

3. Respect for clients, partners, employees and shareholders, openness and pluralism of opinions, human decency and a critical attitude towards one’s own achievements are the key to continuous movement forward.

Required rules:

To be more than just a bank.

Show attention to each client, prioritizing their needs.

Build relationships, not just sell a product.

Improve yourself and your environment every day.

Don't exploit clients' weaknesses.

Comply not only with the letter, but also with the spirit of the law.

Each employee is the face of the Bank.

Devotion to the Bank, teamwork, common success - everyone's success.

Healthy lifestyle (body, spirit and mind).

OUR VALUES AND THEIR ELEMENTS 2 I accept responsibility for myself and for what happens around us. I improve myself, the bank and our environment by doing the best I can. I am honest with myself, colleagues and clients. We readily help each other, working towards a common result. We are open, we respect colleagues and trust each other. We help our colleagues grow and develop. All our activities are built around and for the interests of our clients. We want to surprise and delight customers with the quality of our services and our attitude. We exceed our clients' expectations. I am a leader We are a team Everything is for the client

3 BOOK ABOUT VALUES. HOW WE SEE IT What it is: This is a code that contains specific rules of conduct at Sberbank. It is aimed at the widest audience – all Bank employees. The purpose of the book: to operationalize our new values, that is, to show in what specific behavior they should be manifested. Source material for the book: results of surveys and crowdsourcing of our employees; survey of senior managers. We reveal each element of each of the three values ​​(9 in total) through three stages of manifestation: what we DO NOT DO; as we do every day, every day; how you can manifest your value as much as possible.

I AM A LEADER 1. I accept responsibility for myself and for what happens around me; I do not shift my responsibility to my subordinates and colleagues; I don’t hide behind the fact that the issue is not in my competence; I’m not afraid to talk about problems and opportunities for improvement that I see; I do not remain indifferent and indifferent. I admit and correct my mistakes and help others correct their mistakes; I remember that order in the Bank begins with me and the little things, and therefore I keep my work place clean, look neat, and manage my time effectively; I fulfill my promises and obligations on time and efficiently; I use the Bank's resources and funds responsibly. to be a professional in your field and a leader whom others want to follow, but do not have to follow; be a responsible leader not only at work, but in all areas of your life; to do more than is formally required of me for the success of the common cause; welcome and support a healthy lifestyle. I NEVER: I ALWAYS: I STRIVE FOR: 4

I am a LEADER 2. I am improving myself, the bank and our environment, doing the best I can 5 I’m not saying that it will do, we’re doing well and that’s how we’ve always done it; I do not criticize my colleagues’ ideas without offering solutions; I don’t stop there. I try every day to make my work and the work of the Bank at least a little better; I look for and use opportunities to gain new knowledge and experience; I put my soul into my business; I’ll tell my colleagues if I see how they can do something better in their work. identify systemic causes of errors and find solutions; grow, develop as a person and as a professional; introduce colleagues to new ideas and share new knowledge. I NEVER: I ALWAYS: I STRIVE FOR:

I am a LEADER 3. I am honest with myself, colleagues and clients 6 I do not mislead colleagues and clients, do not act to the detriment of their interests; I don’t discuss colleagues behind their backs; I do not adapt to the opinion of my superiors if I have my own informed judgment on this issue; I do not forget that I represent the Bank and my behavior may affect its reputation. I speak honestly and openly with colleagues about our problems and share successes with the team; I show real achievements without embellishing them; I maintain good working relationships with both colleagues and management; I warn my colleagues if I cannot fulfill my obligations. create open, trusting and friendly relationships with clients and colleagues; learn from your failures; to be a worthy representative of the Bank in the eyes of clients. I NEVER: I ALWAYS: I STRIVE FOR:

WE ARE A TEAM 1. We readily help each other, working towards a common result 7 We do not remain indifferent to the difficulties of our colleagues; We do not allow conflicts in the team: we may disagree, defend our point of view, criticize, but we do this with respect for each other; We do not put the interests of our unit above the interests of the team. aware of each other’s tasks and ready to support colleagues; we rejoice in common successes; We are ready to share our knowledge and skills with colleagues. be an example for others; create team spirit and a comfortable atmosphere in the team; help colleagues (including those from other departments). I NEVER: I ALWAYS: I STRIVE FOR:

WE ARE A TEAM 2. We are open, respect colleagues and trust each other 8 We do not behave rudely and do not insult colleagues and subordinates; We do not get personal when discussing work issues; We don’t waste our colleagues’ time, we don’t be late for meetings; We do not try to assert ourselves at the expense of our colleagues; We do not interrupt our interlocutors; We do not use mobile devices at meetings and general meetings, we do not get distracted by reading mail or correspondence. we trust our colleagues and behave in such a way as to justify their trust; responsive and ready for constructive discussion and criticism; We openly discuss tasks and problems; we say thank you; respect the opinion of the interlocutor; We respect our colleagues’ time and therefore prepare for meetings and conferences in advance, expressing our thoughts briefly and clearly; We answer calls and letters in a timely and friendly manner. our reputation in the Bank was impeccable; constantly maintain a sense of camaraderie and mutual assistance in the team; the inner freedom and dignity of everyone created an atmosphere of creativity in the team. I NEVER: I ALWAYS: I STRIVE FOR:

WE ARE A TEAM 3. We help our colleagues grow and develop 9 We do not hide information that may be useful to colleagues; We do not hinder the growth and development of colleagues; We do not discriminate against employees based on their nationality, gender, age, marital status and work experience. We encourage the manifestation of initiative in the team; We give our colleagues advice that helps them grow both professionally and personally; ready to accept useful advice from colleagues; We provide constructive feedback to colleagues. inspire colleagues to achieve the best results; create opportunities for learning and professional growth for our team members; maintain an atmosphere of openness in the team. I NEVER: I ALWAYS: I STRIVE FOR:

EVERYTHING IS FOR THE CLIENT 1. All our activities are built around and for the sake of the interests of clients 10 I will not remain indifferent to the client’s problems; I will not be rude to the client; I will not enter into conflict with the client; I will not allow client data to leak; I will not send the client an unfinished proposal or offer a product that is not suitable for him. has a positive and friendly attitude towards the client; When I see a client’s problem, I won’t rest until I solve it; I delve deeply into any client’s requests; absolutely fair with the client, regardless of the circumstances. always find the solutions the client needs; treat clients the way I would like to be treated; become a client’s partner and financial advisor for life. I NEVER: I ALWAYS: I STRIVE FOR:

EVERYTHING IS FOR THE CLIENT 2. We want to surprise and delight clients with the quality of services and our attitude 11 I will not refuse to help a client, even if it is not in my direct competence; I will not stop looking for the most optimal solution for the client. I do everything possible to identify and understand all the client’s needs; ready to offer the client assistance from our entire team; I show sincere goodwill towards the client; I give the client comprehensive and clear answers to all his questions. provide the client with the most comfortable and convenient service; communicate with each client as the most important person for me; Help the client achieve his life goals. I NEVER: I ALWAYS: I STRIVE FOR:

EVERYTHING IS FOR THE CLIENT 3. We exceed the expectations of our clients 12 I will not allow myself to withdraw from solving client problems; I do not approach solving client problems formally; I will not leave the client alone with his problems. if necessary, I do more for the client than is required of me; I make sure that the client’s problems are resolved; I serve the client as if I were in his place; I tell the client about all the products and services that are most convenient for him. develop empathy for our clients, understand their emotions, experiences and feelings; increase client financial literacy and awareness; create a good mood for the client; anticipate the client's wishes and pleasantly surprise him. I NEVER: I ALWAYS: I STRIVE FOR: