In 2013, the growth rate in the Russian consumer loan market decreased to 28.7% from 39.4% in 2012. Meanwhile, Sberbank managed not only to increase its retail loan book faster than the industry average, but also to keep its quality at a high level despite the negative trend in the market as a whole. The priority was given to the development of mortgage products.
At the end of 2013, Sberbank managed to increase its deposit market share in all client segments.
In 2013, the bank posted record results in the bank card segment, strengthening its leadership position in this market. This contributed to the active development of remote channels, expanding the range of products and affiliate programmes.