Transaction services and fee income
Sberbank continues to actively develop remote sales channels, including the expansion of the self-service machine network: the number of ATMs increased from 44,600 to 53,400, the number of payment terminals — from 29,400 to 35,700. The development of remote channels helps not only ensure greater accessibility of the bank’s services, but also reduce queues in offices.
Special attention was paid to terminal interface and expanding their functionality. We developed an English-language interface, while ATMs at Sochi Olympic facilities received also Chinese and French interfaces. We introduced the “Fast pay” function for mobile payment, which helped reduce the number of steps a client has to make and save the client’s time. The option to instantaneously open a deposit account was added. Together with Yandex.Money, the bank offered the service of replenishing Yandex.purses via ATMs and terminals.
The bank is actively developing other remote service channels such as Sberbank Online (Internet-bank) and Mobile Bank. In 2013, the average number of Internet Bank active users increased by 60 percent. Mobile Bank’s audience increased on average by 50 percent.