The system adheres to the guidelines of the Basel Committee on Banking Supervision, meets the requirements of the Bank of Russia, and operates in line with the world’s best practices. Sberbank is rapidly developing and transforming, protecting the interests of shareholders, enhancing its competitive edge, efficiently managing its equity, and increasing its aggregate market value.
Furthermore, Sberbank was the first to apply for the use of an internal ratings system based on our in-house models for the calculation of our contractors’ capital adequacy. As a result, we have significantly improved the capital adequacy ratio of the Bank and the Group as a whole.
To assess credit risks, we use predictive analysis of the borrower’s creditworthiness, their behavioural patterns, various biometrics including voice analysis, and other cutting-edge technology solutions.