In 2013, Sberbank's corporate business was reorganized. As a result, an independent line of corporate investment business and operations in global markets (Sberbank CIB) was created, the main clients of which were the largest companies. Another direction - corporate business- Servicing large, medium and small businesses.

In addition to dividing the business into areas, active work was carried out to improve the quality of management. During the year, the level of planning increased, regular monitoring of results was introduced, and communication between territorial banks and heads of business lines improved.

Changes in the organizational structure contributed to the active development of the product line for corporate clients, which helped the bank to significantly increase the number of clients and strengthen its position as the main supplier financial resources into the Russian economy. In 2013, Sberbank conducted lending and financial operations with all groups of corporate clients.

Corporate investment business

Lending to the largest clients

More than half of Sberbank's corporate loan portfolio is accounted for by the largest borrowers. As of January 1, 2014, the debt of this category of customers amounted to 4.6 trillion rubles. During the year, the number of borrowers increased to 920. The volume of new transactions in 2013 exceeded 2.9 trillion rubles.

Trade Finance

One of the successful areas developed by the bank is trade finance. Over the past four years, the volume of the bank's trade finance portfolio has grown 6 times - up to 14 billion US dollars. Currently, Sberbank offers the entire line of trade finance and documentary business products based on the best global standards.

Thanks to the development of its international network, Sberbank is actively implementing intra-group transactions with the participation of foreign subsidiary banks of the group in the CIS, Central and Eastern Europe, and Turkey. In 2013, a new product line was launched - Commodity Trade Finance and Supply Chain Finance, covering the financing of export flows from Russian Federation, including the financing of trade operations after the goods cross the border.

According to the Global Trade Review magazine, Sberbank became the only Russian bank ranked among the world's best banks in trade finance. In addition, for the second year in a row, the bank was recognized as the best in the field of trade finance in the CIS countries.

Investment banking business

Sberbank CIB retained its strong position in the market of external debt of issuers from the CIS countries. In 2013, 27 transactions were made and Eurobonds of 22 issuers from Russia and Ukraine were placed with a total nominal value of USD 15.7 billion.

Maintained leadership in the implementation of innovative transactions and products in the equity and debt capital markets in Russia and the CIS. In these segments, as well as in the field of mergers and acquisitions in 2013, Sberbank CIB won 10 industry awards.

At the end of the year, Sberbank CIB became the absolute leader in the Investment Research market. Attracted 238 new Global Markets clients. 34 absolutely new products were introduced and new product geographies were mastered - Central and Eastern Europe.

corporate business

Large and medium business

Lending to large and medium-sized businesses also successfully developed. During the year, the bank managed to increase the volume of the loan portfolio of this category of clients by a quarter - up to 3.2 trillion rubles.

This result became possible due to the fact that the bank optimized internal processes to reduce the time for consideration of applications for loans, continued to improve and expand the product line for medium and large businesses.

The Bank significantly optimized the conditions for providing a number of products, including tender loans and various guarantees, standardized the conditions for lending to various industry companies, including leasing companies and retailers. Developed specialized products for companies in the agro-industrial complex.

Small and micro business

The bank pays special attention to cooperation with small and micro businesses. As a result of vigorous activity in this area, the loan portfolio in this segment grew by 31% and approached the value of 600 billion rubles. 231.5 thousand small and micro businesses receive financing from Sberbank, and their number increased by more than a quarter over the year.

During the year, Sberbank continued to actively introduce and develop technologies for lending to small businesses. Thus, the product line of Sberbank’s Credit Factory has been replenished with new special programs for micro enterprises. Sberbank replicated the Express-Active product for the purchase of equipment; "Express Mortgage" was launched in a pilot mode - a product that is designed to stimulate the investment activity of micro businesses and solve the problems of lack of free funds.

In 2013, the product line of the Business series was developed, designed for enterprises with a stable business. Over the year, the portfolio of these loans grew by one and a half times and amounted to about 380 billion rubles.

Another loan product developed well - "Business Start", within which aspiring entrepreneurs receive funding to open a business under a franchise or a standard business plan. As of January 1, 2014, more than 26 thousand people showed interest in this project, 456 loans were issued for 725 million rubles. Since June, two businesses have been launched in this segment every day. During the project, more than 90 franchisors have joined the program, and their number is constantly growing. To start a business, the bank offers 18 standard partner business plans.

Sberbank of Russia is a popular, largest state-supported bank that has proven reliability and a high quality level of service to its customers over a long period of its existence.

For the convenience of customers, the bank's developers have provided a convenient and easy-to-use website. The site harmoniously combines a modern design that is not overloaded with elements and a fairly complete content for all products and services provided.

It is convenient to navigate through the pages of the site, the section names are short and clear, the information is clearly structured, which allows users to quickly find the information they need.

Separate websites have been created for using the Sberbank Online services for individuals and Sberbank Business Online for legal entities.

In the top menu, it is proposed to select the desired section for certain categories of citizens:

• for private clients (individuals);
• for small business owners;
• for corporate clients (including participants of payroll projects);
• for financial institutions;
• for shareholders and investors.

After clicking on the section, it is proposed to familiarize yourself with the full range of services provided for individuals. In the upper right corner, or is executed.

The following subsections are available in the horizontal menu below:

Here are all the options for lending for individuals:

• etc.
• You can also familiarize yourself with the proposed ones, including partner ones.

After choosing the program of interest, on the page that opens below the general information on the conditions for issuing a loan, there is a special one and building a schedule of monthly payments.

"Choose a card". Here is full information about all plastic cards ah (debit and credit). Here the client can find information about:

• partnership,
• social,
• youth,
• with custom design.

In the subsection "Pay and transfer" information is available for all possible ways payment for services (utilities, cellular communications, television and the Internet, repayment of loans, fines, etc.) using:

Here you can also view options for cash or cashless transfer Money in Russia and abroad.

In the menu "Invest and earn" contains material on the investment of funds in:

• certificates,
• bills,
• ingots,
• as well as insurance programs.

In the last section "Insure yourself and property" life and health insurance programs for clients, real estate insurance and plastic cards are scheduled.

There is a separate button "Write to us" for feedback from the bank, where you can make suggestions for work, leave feedback, ask a question or write a complaint (see).

At the bottom of the site, you can separately view special conditions for making deposits, plastic cards, for youth, for payroll clients and for premium clients.

Even lower, there are widgets for quick currency conversion, exchange rates and the search for branches.

There is a separate widget for online services, where you can view information about the Sberbank Online system, applications for smartphones and tablets, the " Mobile bank».

Service "Mobile Bank"

By clicking on the “Mobile Bank” item or by going straight ahead, you can familiarize yourself with the conditions for connecting and using this service.

The service allows you to access the main functions by bank cards at any time convenient for the client, having only a mobile phone at hand.

Management is not difficult and is carried out using short and understandable SMS commands sent to number 900.

Via " mobile bank" can:

• produce, internet, telephony, etc.,
• create auto payments.

The login page for the system's personal profile is available via a direct link.

The site was created to safely perform a large number of banking transactions at any time convenient for the user without visiting a branch, using only a computer with Internet access.

With the help of a personal account, you can:

• manage your own cards and accounts,
• view transaction history,
• buy or sell currencies and precious metals,
• produce Money transfers between your own personal accounts and to the accounts of any customers of Sberbank or other financial institutions,
• pay for the Internet, mobile communication services, TV, telephony, public Utilities, fines, taxes,
• pay off loans
• create and modify auto payments and templates for fast payment.

To access the full functionality of the website, you need to conclude a universal service agreement (RBS) at the branch.

Service "Sberbank Business Online"

You can go to the service page by .

In the upper right part of the section, you enter the website of the Sberbank Online Business system, in the page that opens, enter your personal login and password received during registration.

The site has a visually pleasing and clear interface, created specifically for business clients.

The service allows:

• manage accounts,
• receive information about the movement of funds in accounts,
• create, receive and send created payment documents,
• keep in touch with employees financial organization by sending direct messages.

To control operations, information about the progress of their execution is available. It is possible to create and use an electronic signature on documents and an electronic stamp, which allows users of the system not to contact the bank personally.

Small business section

There are four sections in the horizontal menu of the “Small Business” tab:

Where all options are available, including leasing conditions.

It will provide information on cash and metal deposits, deposits, promissory notes, services for financial transactions and foreign exchange transactions.

"Perform calculations" contains information about settlement and cash services, the Sberbank Business Online business system, as well as information about the salary project and the possibility of issuing salary plastic cards for its employees.

"Insure your business" containing instructions for insuring health and life, business, vehicles or employees.

to corporative clients

Contains four main sections:

"Getting Funding"(options corporate lending and leasing).

Provides information about the application "Sberbank Corporation" and options for monitoring accounts (cash flow).

Contains information about currency transactions in global markets, investment operations.

"Performance of settlements"(settlement and cash services, payroll projects and cards for employees, acceptance of payments for services).

Information available at home page official website in the "About the bank" section, which is located at the bottom of the page. You should select "Regional network" in the menu on the left and click on any of the 17 territorial branches.

General information about the territorial office will open, select contacts in the menu on the left. There are no personal Internet sites for territorial banks. Any information is available on the general website www.sberbank.ru.

Host policy Russian bank is aimed at attracting customers of different status and financial condition. What does Sberbank offer to corporate clients? The range of offers is huge, but the most popular is Internet banking. Sberbank Business Online was created with the sole purpose of helping small businesses communicate with a banking institution.

This year, the bank has significantly updated the service for legal entities

The Bank has developed a unique system remote service for business. It allows any entrepreneur after registration to carry out a wide range of operations using any browser:

• prepare payment documentation for sending them to the bank;
• track the movement of money on accounts;
• participate in the salary project;
• make various account statements;
• communicate with bank employees in a free form, obtain the necessary information, consult on various issues;
• apply for credit or other banking products, order various services.

Online service strive to maximize the range of services provided to business

The main advantage of the system is that the business owner, accountant does not need to spend work time to visit the bank to carry out the above actions.

Features of servicing legal entities

Sberbank, when offering corporate clients the Sberbank Business Online service system, takes into account all the features of entrepreneurial activity.

What benefits do entrepreneurs get from using the service? They are the following:

• Legal entities have the opportunity to carry out all operations at any time, regardless of the banking institution's work schedule. This allows you to make your business more mobile.
• Electronic exchange documents is carried out using E-invoicing, which allows you to solve your business problems in a secure mode.
• For security purposes, a system for encrypting transmitted information and identifying a client has been introduced. Confirmation of operations is accompanied by mandatory confirmation using one-time passwords using SMS informing.
• Thanks to SMS messages from the bank, the user will always be able to track the status of any operation - making a payment or refusing it.
• To save time, templates of standard documents have been created.
• To work with counterparties, it is convenient to create your own directories of bank details.
• There is no need to stamp documents.

In addition to the usual banking services customers can receive services such as the creation and maintenance of the site

Instructions for working with the Sberbank system online for corporate clients

An interactive version of the instruction is posted on the website of the financial institution, which has the form of separate modules that take into account all types of operations: entry, creation of a payment instrument, directories, interaction with 1C, connection to salary project and etc..

Login rules

There are two ways to log in. The first is through the Sberbank website, by selecting the "Small Business" or "Corporate Clients" section and clicking the "Login" button to enter the system. As a result, the user authorization page opens, where you need to enter a name and password.

To log in, you must enter a registered username and password

The second way is with a token. To enter using an electronic key, you must:

1. insert the token into the usb port and select the appropriate media;
2. run the file with the EXE extension;
3. enter the account settings and access code in the browser window;
4. click the Sberbank Business Online button;
5. specify the username and password on the user page;
6. click on "Login".

Registration in a personal account

To register, do the following:

1. in the "User" field, indicate the login registered in the system and indicated in the information sheet;
2. in the column "Password" indicate the password sent by SMS;
3. to confirm, click "Login";
4. if you are logging in for the first time, the bank advises changing the bank password to a new user password (it must be changed after 90 days);
5. to save the new password, click "Login";
6. the user receives an SMS with a one-time password, which must be entered for authentication;
7. click "Login" again.

A wide range of diverse services and products enable customers to receive the highest quality service.

System Security Measures

• Keep in closed access from unauthorized persons all data for authorization.
• Do not disclose identification data to unauthorized persons, including bank employees.
• In case of loss or theft of a phone connected to the Internet bank, you must immediately block the SIM card.
• It must be remembered that the banking institution does not make any requests, except for the login, password and confirmation code. The occurrence of other additional requests may indicate fraudulent activities third parties in the form of spyware. Therefore, at the slightest doubt, you should immediately contact the bank employees for advice.
• Never work in the system using computers installed for general use (internet cafes, post offices, clubs).
• Should not be installed mobile app to a smartphone, iPhone, the number of which is already used for SMS informing the system.
• Pay attention to the correctness of the details for transactions that require confirmation by codes.

Basic usage parameters

After registering in the Sberbank system, corporate clients after logging into the system online become available for many actions on payment transactions, as well as the use of various banking services.

Instructions on how to issue an extract for the required period

Here you can also get a statement of all transactions for a specific period. How to do it:

1. enter the main page;
2. select the "Services" section in the menu;
3. then the item "Ruble operations";
4. on the toolbar "Statement of ruble accounts" click on "Statement of ruble accounts for the period";
5. then indicate the period you are interested in;
6. indicate the current account;
7. decide on the form of a printed document (extended with applications or standard);
8. then click on "Print" to receive the document on paper.

There are several options for generating account statements

Exporting an extract from the system to 1C

The system provides for the export of statements. What needs to be done:

1. select the "Additional" section in the menu;
2. further "Exchange 1C";
3. followed by the items "Export" and "Statements on ruble accounts";
4. select accounts for which data will be exported from the system;
5. choose a period;
6. click the "Export" button;
7. a file will be created and saved in the usual way;
8. after specifying the save path, click the "Save" button and the export file will be saved.

The functionality of the service makes it possible to conveniently transfer banking data to accounting programs

Rules for issuing a payment order

To issue a payment order, proceed as follows:

1. go to the main page;
2. select the "Services" section;
3. click on the section "Ruble transactions";
4. in the menu, select the item "Payment orders";
5. a panel will open for filtering and searching for payment orders available in the system;
6. select from the list desired document or create a new one;
7. when creating a new document, a window will open where some data is entered automatically, and some (OKATO, BCC) are entered manually or taken from the list;
8. then the amount, details of the beneficiary bank are indicated;
9. so that there are no errors, the document is checked;
10. after completion of all operations, the status "Created" appears.

Payment order one of the most widely used documents

Connecting a payroll project

One of the services provided by Sberbank of Russia to corporate clients is connection to a payroll project. It is best to connect to the project at the stage of signing a service agreement in Internet banking. If this was not provided for in advance, then you can connect to the salary project later.

To create an electronic registry, you must:

1. go to the "Services" section;
2. select "Salary project" in the menu;
3. then open the "Electronic Register";
4. to create a payroll, the field "Executor" is filled in (chief accountant);
5. then the number of the contract, bank account is indicated;
6. a list of employees is added indicating the personal account, full name, salary;
7. the list is loaded as a separate file;
8. then the accrual period is indicated, the payment order is selected;
9. The document must be checked before saving.

Creating an electronic signature

To create an EDS, you need to open the "Services" tab in the menu. Further, the algorithm of actions is as follows:

1. follow the link "Crypto information exchange";
2. click on the "Request for a new certificate" item;
3. generate a key certificate (3 copies);
4. documents certified by signature and seal in paper form transferred to the bank;
5. the electronic signature is registered in the bank, about which the user receives an SMS message.

Working with an account

During operation, situations may arise that require changes to the account. Let's take a look at the most common ones.

a change of the pin code

According to the regulations developed by Sberbank, for corporate clients to enter the Business system Online Sberbank It is recommended to change the password periodically. It must be replaced after 90 days. The user is informed in advance about the date of changing the password. If the password was lost (forgotten) before its expiration date, then for further authorization, you need to contact the branch. You will need to write a statement about the loss of the password, after which a new identifier will be issued.

Making changes to data

When using the Sberbank Online system, situations may arise when corporate clients need to make changes to their account. This happens if there have been changes in the management of the company, and new people have become users of the system. Therefore, registration of new user accounts is required. An application is submitted to the bank for data correction in order to register certificates for EDS. They are signed by new users and certified by the seal of the company. When changes are made in the account and registration of the electronic signature, an SMS with a new password for entering and a message about the registration of a new EDS will come from the bank.

Actions when an account is blocked

If the message " Account blocked", then to remove the blocking of the account, you need to inform the bank. After writing the corresponding application, the client is sent an SMS message with a new password.

Changing the phone number for SMS informing

When signing a service agreement, a corporate client indicates a phone number for SMS informing about transactions carried out on his accounts. In case of loss or theft of the phone, you must immediately contact the bank branch and write an application for the replacement of the phone number and specify it. In the future, messages with codes will be sent to it.

Lending to corporate clients

The Sberbank website has many credit programs for corporate clients. The new version of Internet banking has a built-in Credit Constructor service, which greatly simplifies the lending procedure. It includes 3 stages:

• Selection of a loan product based on a pre-approved offer (the bank offers certain conditions for the amount, terms, repayment schedule and rate for a particular entrepreneur).
• The client studies all the information about rates, collateral, additional commissions. At this stage, the user can "design" his loan, but he can only change the terms and the amount of the limit in the conditions. After that, the user agrees to new conditions.
• The last stage is the execution of an electronic application, the signing of documentation.

Thanks to this service, an entrepreneur not only gets the opportunity to form a loan with optimal parameters based on the bank’s offer, but also not to waste time searching for the right one. loan offer, paperwork.

The personal offer is stored in the system for 90 days.

Product maintenance cost

The cost of servicing in the Sberbank Business Online system for corporate clients depends on whether they have a bank account or not. If it is available, connection to the system is free, if it is not available, you must pay 960 rubles. Monthly maintenance in the first case is also free, in the other it is 650 rubles. Upon connection, an electronic key is issued - 1700 rubles. (standard), 2150 rubles. (touch), 3990 rub. (with screen). For providing information on account transactions, the organization pays 199 rubles. per month.

Additional services are provided. their monthly cost.

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 task is to create the most convenient services for our clients for conducting paperless and cashless business, allowing them 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 is modernizing its claims service and is working with negative customer reviews based on the results of marketing research. A pilot was conducted with the corporate customer support service on compliance procedures, which made it possible to increase the response of customers 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 have had the opportunity to settle with counterparties in the 17 × 7 mode, in the fourth quarter of 2016 - in the 20 × 7 mode, including on 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 the escrow of funds with the use of certain conditions upon the occurrence of certain conditions. 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 in terms of 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 a new service, Customs Payments and Services, which enables customers to pay customs duties on their own or using a brokerage scheme, as well as electronically declare goods. The service is completely remote, connected remotely through Sberbank Business Online. Its key advantage for clients 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 to account for the funds of third parties - beneficiaries for the subsidiary company "Real Estate Center from Sberbank". The service is an alternative to 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 for 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 was systematically reduced at banking service thanks to the promotion corporate cards and the development of self-collection service - cash deposit 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 its life cycle: changes the holder's data, 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 Reliable Partner service has become available to customers. 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.

There is nothing more convenient than doing business from the comfort of your home. Who among us has not dreamed of doing business and making important transactions without leaving our home or office. The most important step To implement such a business is to install a banking client on your computer, through which you will be able to manage affairs, pay bills or transfer funds for business without getting up from your home chair.

A lot of aspiring entrepreneurs work from home and do business remotely, so Internet bank - this is one of the most relevant programs that are developed by all banks without exception.

One of the leading banks offering legal entities and doing business with the help of an online banking client is Sberbank of Russia.

In addition to the fact that using the Internet banking of Sberbank of Russia for small businesses (or Sberbank Business Online for corporate clients), you save your time on routine business process management, you receive gifts from Sberbank and bonuses for the following payments and other operations - this is especially pleasant in the current crisis (read more about the crisis in Russia).

Internet bank Sberbank Business Online for small businesses (corporate clients)

1. Service Sberbank Business Online - Internet banking for small businesses

The Sberbank Business Online Internet client helps small businesses by simplifying the bookkeeping system, since it is in this business that novice businessmen have difficulties.

Logging in to the Sberbank Business Online system takes place on the page at the link: https://sbi.sberbank.ru:9443/ic (Next, the client fills in the User and Password fields).

The main advantages in using the Internet client of Sberbank for small and medium-sized businesses

1. Easy connection without complex systems with application and provision of information.
2. A very modern and simple interface in the program, which will be easy for both young people and people who are used to working manually. Sberbank Business Online internet the client is designed so that anyone can use it without additional knowledge and complex training with the help of programmers.
3. Sberbank of Russia takes maintenance very seriously, so technical support is always in touch to answer your questions and help you set up the service. The program works at any time of the day or night.
4. Phone hotline works around the clock - it is designed for every corner of Russia and for the most convenient exchange of information.
5. The lack of binding of the installed client to a specific desktop computer or laptop. This is one of the most positive aspects of Sberbank Business Online Internet banking for small businesses and corporate clients, since a user can log out and use his account from any computer with Internet access. Thus, you can not interrupt your work, even when you are at lunch, at negotiations or in a traffic jam.

What can be done through the Internet bank Sberbank Business Online for corporate clients

Since the Sberbank Business Online Internet client is called business online, it is clear that it is designed for small businesses or corporate clients. The functions of a bank include all the main operations that can be carried out by a legal entity in order to conduct its business.

Interface of the online bank "Sberbank Business Online" (Sberbank Business Online)

2. How to connect the Internet client Sberbank Business Online for small businesses

For obvious reasons, connect Personal Area legal entity through the company's website, how it can be done individuals, can not. In order to start using Sberbank Business Online Internet banking for small businesses, the director of the company, the founder or other person with a notarized power of attorney must come to the branch of the Security Council of Russia where he is served or would like to be served, and contact a specialist who will talk about all the subtleties, possibilities, how to attach a personal account of a legal entity for doing business through an online client.

After writing an application and submitting it to a branch of Sberbank, a legal entity automatically becomes a user of the Sberbank Business Online Internet bank and will be able to start working in the shortest possible time.

A sample application for connecting the service can be downloaded from the link: sberbank.ru/common/img/uploaded/files/pdf/legal/remote_business/SBBOL_zayav_dogovor.pdf

The terms and conditions of the Sberbank Business Online service can be found at the link below: sberbank.ru/common/img/uploaded/files/pdf/legal/remote_business/SBBOL_service_terms.pdf

Menu for a new Internet banking client Sberbank Business Online

1. Exchange of primary documentation between organizations conducting transactions, the ability to conduct corporate correspondence directly through the Sberbank Business Online service.
2. Any transactions of a monetary nature from the current account (payment of invoices, invoicing), receipt of funds, payments to employees. All procedures can take place not only between legal entities, also the transfer of funds or payments can be withdrawn to an individual.
3. Full transparency of transactions: in your account you can see the full reporting on transactions.
4. Prompt response in case of failure of some operations is automatically reported via SMS to the phone connected to the online business office.

The Internet bank Sberbank Business Online works only officially for corporate clients (small businesses), therefore, in order to become a user of the service, the counterparty enters into an agreement with Sberbank of Russia to connect the Sberbank Business Online service, which spells out all the terms of use, the system of servicing the responsibility of the parties , the official website of the bank, where all the relevant information that may be related to the operation of the service is published, and much more.

After concluding an agreement with the bank and receiving individual identification data, the client becomes a user of the Sberbank Business Online system and can start using the service from the same minute. Sberbank of Russia today is one of the most advanced and modern banks that offers to use the Internet banking service online.