Smart spending

In 2013, the bank launched a three-year strategic programme to introduce the Smart Spending cost management system.

The programme’s main goal is to introduce the cost management system that would allow us to achieve the balance of business support, higher business efficiency, and the effect of reducing costs via cost optimisation. In 2013, the programme achieved the following results:

  • In line with the bank’s Development Strategy for 2014-2018, a set of cost optimisation measures was approved, with the estimated benefit of over RUB 100 bn
  • Innovative cost management processes were developed
  • In 2013, the effect from the Programme was RUB 6 bn
  • A procurement management system was developed and is being introduced
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