Deputy Chairman of the Management Board

Education

In 1984 he graduated from the Military Institute with a military-political specialty with the study of foreign languages ​​(German and Czech), in 2002 - the Law Institute of the Ministry of Internal Affairs of the Russian Federation with a degree in Jurisprudence. Candidate of Legal Sciences.

Labor activity

1979 - 2002 served in the Armed Forces and the internal affairs bodies of Russia.

2002 - 2004 worked as the head of the administrative department of the Ministry of Economic Development and Trade of the Russian Federation.

In 2004 - 2007 - Director of the Department for Administration of the Ministry of Economic Development and Trade of the Russian Federation.

From April 2007 to January 2008 - Deputy Minister of Economic Development and Trade of the Russian Federation.

Since January 2008 - Senior Vice President, Member of the Management Board of Sberbank.

Since October 2010 - Deputy Chairman of the Management Board of Sberbank. Supervises and coordinates the work of the Services block, the Internal Bank Security Department and the Secretariat.

Awards

He was awarded the Orders of Merit for the Fatherland, III and IV degrees, the Order of Honor, the Order of Friendship, the Order of Alexander Nevsky. Awarded the gratitude of the President of the Russian Federation. Awarded with certificates of honor of the President of the Russian Federation and the Government of the Russian Federation.

He is a shareholder of Sberbank: share of participation in the authorized capital - 0.00125%, share of owned ordinary shares - 0.00131%.

Stanislav Kuznetsov grew up in a military family. Born in Leipzig on July 25, 1962. Has a military and legal education. Graduated from the Red Banner Institute of the Ministry of Defense in 1984 and the Law Institute of the Ministry of Internal Affairs of the Russian Federation in 2002, candidate of legal sciences. In addition to Russian, he speaks two foreign languages, Czech and German. Married, father of two daughters.

At the moment he is the Deputy Chairman of the Board of Sberbank. Owns shares in the authorized capital of the bank and ordinary shares. In the interval between military service and banking, he held managerial positions in the government of the Russian Federation, was a member of various councils.

Career

His career, like his father, began with service in the Armed Forces from 1980 to 1998, after which he was transferred to the Department of International Cooperation of the Ministry of Internal Affairs of the Russian Federation. At the time of his dismissal in 2002, he held the position of the 1st Deputy Head of the Directorate and was in the rank of colonel.

Leaving his service in the Ministry of Internal Affairs, he moved to the Ministry of Economic Development and Trade of the Russian Federation. Until 2004, he headed the administrative department. From 2004 to 2007 was the director in the department of affairs management of the Ministry of Economic Development and Trade.

2007 becomes a busy year in the career of Stanislav Konstantinovich. Due to the fact that in 2006 the Government allowed the ministers to increase the number of deputies to five, in April 2007 Kuznetsov became the fifth Deputy Minister of Economic Development. According to Gref, the main task of the fifth deputy will be the implementation of the federal program for the development of the city of Sochi as a resort.

In September 2007, by the Decree of the President, he is a member of the Council for the Development of Physical Culture and Sports.

In October, Stanislav Kuznetsov was included in the ranks of the commission for the protection of state secrets.

In November, he becomes a member of the Supervisory Board of the State Corporation for the Construction of Olympic Facilities and the Development of Sochi as a mountain climatic resort.

In early 2008, following his boss, German Gref, he resigns on his own initiative from the post of deputy minister. Immediately after that, he takes the post of senior vice president and becomes a member of the board at Sberbank. According to Stanislav Konstantinovich, the transition was not directly related to the Olympics. But even working at Sberbank, they both make a great contribution to the preparation for this event.

In October 2010 Stanislav Kuznetsov takes the next step up the career ladder. He, like in the ministry, becomes Gref's deputy, and holds the post of deputy chairman of the board of Sberbank. While in office, Kuznetsov is responsible for the work of the Administrative Block, coordinates the bank's security divisions, and manages the regional directorate of the cash management center.

In the spring of 2012, Stanislav Kuznetsov becomes responsible for the Olympic construction at Sberbank, and for a certain period, he is present there in person.

Contribution to the Sochi Olympiad

In preparation for such a large and significant project for the country as the Olympic Games, many government and commercial structures were involved. Of course, the largest bank in Russia also took part in the preparations for this event. Sberbank was not only the general partner of Sochi-2014, but also a co-investor in the construction of a springboard complex and a media village.

After the scandal involving the vice-president of the Russian Olympic Committee due to the delay in the preparation of the Olympic village and its facilities, the government shifted responsibility for the construction of the media village to Sberbank. And the Balilov brothers, accused of causing damage to Sberbank, sold their shares in Krasnaya Polyana OJSC, which was building the Gornaya Karusel tourist complex, and left the country.

In the bank, Stanislav Kuznetsov was appointed to oversee this direction. He was one of those who had to work, as they say, in the field. Personal presence was needed in the fall, when it became clear that contractors were not coping and were not investing on time. His responsibilities included both communication with the general contractor and with local officials and independent experts.

Kuznetsov had to recruit a team of Sberbank employees to work as foremen at the Olympic facilities. Since the bank is not a construction organization, they had to gather people all over the country from real estate management units. At its peak, the size of the task force under the direction of Kuznetsov reached eighty people.

Thanks to the well-established communication with local construction organizations, Kuznetsov managed not to miss the deadlines for the completion of the Olympic facilities, even when, initially selected by the bank, the Turkish contractor failed.

On the promise control service "Promises.Ru", you can read the statement of Stanislav Kuznetsov during the period of sharp currency appreciation and general panic. As deputy chairman of the board of Sberbank, he stated that the bank would not restrict cash withdrawal to its customers and would even increase the load of ATMs due to the increased demand: “I can firmly state that Sberbank did not introduce any restrictions and does not plan to introduce them. we are ready for this situation of increased demand of the population for cash and we will provide any needs of the population for it, so that people can get whatever they want. " Also, contrary to some panic rumors, it was promised that cooperation with payment systems Visa and MasterCard would not stop. The promises given by Kuznetsov turned out to be true.

Awards and acknowledgments

Hard work has repeatedly received state awards and gratitude. Kuznetsov Stanislav Konstantinovich was awarded the Orders of Honor, Friendship, Alexander Nevsky, the Order of Merit for the Fatherland of the fourth degree, and certificates of honor from the Government of the Russian Federation and the President. He was awarded a commendation from the President of the Russian Federation.

Over the past period of this year and the past? Has the nature of these attacks changed and how is the bank responding to them?

- The number of cyberattacks continues to increase - both against Russian banks in general and against Sberbank as the most "tidbit" of the market, because we have the most clients and data of interest to cybercriminals. This is confirmed by statistics: in the first quarter of 2019, the Sberbank Cyber ​​Defense Center processed more than 12.5 thousand suspicions of a cyber security incident, almost a quarter of them posed a threat to us. This is 1.8 times higher than in the same period last year.

As for the nature of the attacks, I would call 2019 the year of leaks, which are happening more and more both in Russia and in the world as a whole. In the first quarter of 2019, the world recorded 19% more data breaches compared to the same period last year. A total of 6.5 billion user data records were compromised worldwide, four times more than in the first quarter of 2018.

The number of DDoS attacks (distributed denial of service) remains consistently high, when the system is deliberately overloaded with a huge number of requests from different addresses.

Since the beginning of 2019, the systems of the Cyber ​​Defense Center have repelled 52 DDos attacks - significantly more than in the same period last year. Moreover, this year the attacks have become more powerful and lasting.

At the same time, cyberattacks are becoming more diverse and increasingly directed towards new technologies. Additional risks are created by various cloud services, as well as the popular BYOD (bring your own device) trend, when company employees are allowed to work from a personal computer or laptop connected to the company's internal network.

I would also like to say about the Internet of Things (IoT) and 5G. On the one hand, it is great when your refrigerator orders food itself, and the kettle can be remotely asked to heat water. But you need to understand that in this case, the refrigerator, kettle, and any other device with Internet access can be used for DDoS attacks. Moreover, you, as a user, will not even know about this, and you are unlikely to think much about the cybersecurity of such devices, because they do not store your money. There are already 8 billion IoT devices in the world, their number will grow every year, and, accordingly, the power of DDoS attacks will also only grow.

And I will name two more trends. First, criminal groups are increasingly using sophisticated attack scenarios tailored to a specific industry or even a company. Second, cybercriminals are increasingly looking for indirect ways of accessing an organization's infrastructure. To do this, they attack the "supply chain": instead of approaching a well-protected company, they find its vulnerable partners and contractors, infect their networks, and through them - the main target. The number of such attacks worldwide in 2018 increased by 78%.

Unfortunately, in order to penetrate a company's infrastructure, it is not always necessary to hack software. It is much easier to "hack" an employee who, without knowing it, will lead the criminal to the required data. I am talking, for example, about phishing, which today accounts for more than 60% of attacks on the banking sector in Russia and a number of European countries. Phishing is a mass mailing on behalf of popular brands that, for example, you have won a prize or you can take a survey and get paid for it. Such emails contain a link to a malicious site that is outwardly indistinguishable from the site of a well-known brand. By clicking on the link and entering his data, the user infects his device with a virus.

Every year, the Cyber ​​Defense Center prevents more than half a million attempts to send emails to bank employees containing malicious attachments or phishing links. Since the beginning of 2019, specialists from the Sberbank Cybersecurity Service have identified and sent for blocking more than 2,000 phishing resources similar to the Sberbank website.

- The other side of the problem is the theft of data and money from citizens, including Sberbank clients. How do you deal with this?

- Our clients are protected from it by a fraud monitoring system based on artificial intelligence. It detects the vast majority of all fraudulent attempts. Thanks to this system, from January to May of this year, we prevented theft of client funds in the amount of over RUB 13.5 billion.

At the end of the first quarter of 2019, over 80% of the total volume of fraud against our clients was made up of the so-called “social engineering”. This is again about the fact that it is easier to "hack" a person than a system. There are dozens of fraudulent schemes, which most often boil down to finding out confidential information from a person under a plausible pretext (unblocking a card, compensation for spa treatment, etc.): his bank card details, login and password for entering, for example, “ Sberbank Online".

We are constantly conducting explanatory work, we tell clients that under no circumstances should anyone, even a bank employee, be told any card details, except for its number. We are talking about the fact that the PIN code from the ATM and the password from Sberbank Online cannot be stored on a piece of paper.

But still, in stressful situations, people often get lost on their own, giving criminals access to their money with their own hands.

In most cases, an anti-fraud system is able to stop a cybercriminal - it analyzes all client transactions and in real time identifies suspicious transactions that do not correspond to the client's financial habits. For example, when a pensioner Marya Ivanovna, who lives in Saratov and has never gone anywhere, suddenly makes a financial transaction in Vladivostok, the bank makes a test call to her, and it turns out that the scammers are trying to withdraw money from her account.

But, unfortunately, the bulk of social engineering scams are so-called "self-translations", when a client independently makes and confirms an operation under the influence of a fraudster (for example, transferring an advance payment for a purchase from ad sites or from social networks), and then goes to the bank with a claim that he was deceived.

The conclusion is obvious: only technical means, even the most modern and efficient ones, cannot completely protect clients from “social engineers”. Therefore, it is necessary to continue to work to increase the cyber literacy of clients, to strengthen this direction at the state level.

- Do you work proactively - for example, you see attacks on other companies / users and adjust your infrastructure?

- The essence of cybersecurity is precisely that it is a constant, every second work ahead of the curve, a continuous "arms race" that is taking place on both sides of the law. And one of the key components of this work is information exchange. This is always difficult: who wants to tell, even a narrow circle of experts, that he has been hacked, and even describe the process in detail? It’s hard, but if you keep quiet, it will only get worse for everyone. As the saying goes, all companies are divided into those who have been hacked and those who do not yet know that they have been hacked. We want the expert community to know about such hacks as early as possible in order to prevent them in the future.

Of course, we closely follow everything that happens in the world of cybersecurity, exchange information with Russian and international partners, improve monitoring tools, and develop our security technologies. In particular, we have developed and use our own Threat Intelligence Platform, which allows us to collect and analyze information on various cyber threats.

We are fighting for information cooperation to become a well-oiled mechanism for all participants in the process: business, government. And this cooperation should be international, it should be higher than any geopolitics and any bureaucracy. Otherwise, it will not make any sense, because cybercriminals, unlike you and me, are not tied to national borders: from anywhere in the world they can attack any company and citizen of any country.

The leading criminal cyber groups are transnational, and they cannot be brought to light without international cooperation.

In Russia, we have already managed to form the main contours of such cooperation in the financial sphere. For example, the cyber threat data exchange platform, implemented under the auspices of the Association of Russian Banks, today unites more than 40 banks, including the country's largest financial institutions. In just six months of work, thanks to the exchange of data, it was possible to prevent losses of more than 3 billion rubles.

There are also serious successes on a global scale. The Center for Cybersecurity (C4C) of the WEF is in operation, which was officially opened during the annual session in Davos in 2018. This is a unique platform for cooperation between representatives of the largest global corporations, leading players in the international cybersecurity market, representatives of law enforcement agencies in order to develop a joint strategy to counter global cybercrime. Sberbank is one of the founding partners of C4C and has a permanent seat on the Center's Supervisory Board.

- What solutions in the field of information security can you offer to the external market?

- Cybersecurity services for external clients are provided by our subsidiary BI.ZONE, one of the world's recognized leaders in the field of cybersecurity. This research and analysis of malicious software, investigation of cybersecurity incidents and rapid response to these incidents, collection of information about potential threats, various types of testing: for protection from social engineering methods, for penetration, for the security of mobile and web applications.

I want to emphasize that sometimes our colleagues help free of charge - this can be compared to putting out a fire, when you need to react quickly, without waiting for formalities, otherwise hundreds and thousands of people will suffer.

We had a case when BI.ZONE employees went to one of the hospitals, where the work of medical equipment was paralyzed due to hackers, the health and lives of patients were at risk.

We are actively developing the Russian cyber risk insurance market. Our subsidiary Sberbank Insurance was the first in Russia to offer mass products for cyber risk insurance. For example, in 2017, the company included the risk of business interruption as a result of cyber attacks in its insurance package for small businesses. In the first year of the program, such policies were issued by about 3.5 thousand customers, and in the first quarter of 2019 - already about 3 thousand.At the end of 2018, the company offered this type of insurance to individuals, including the risk of cyber threats in the product for insurance of bank cards. For six months, about 2 million customers have already issued such policies.

And I will give one more example: our mobile application "Sberbank Online" for the Android platform contains a built-in antivirus. It protects not only the application itself and the client's money, but the entire smartphone. Reliable and completely free not only for customers - for everyone who installed our application from the official store. Considering that Sberbank Online is one of the five applications with the largest active audience in Russia - we have over 40 million active users - we can say that this is our significant contribution to the cybersecurity of a significant part of the country's population.

- What technologies based on artificial intelligence increase resilience to cyber threats?

- The introduction of artificial intelligence (AI) dramatically simplifies many of the routine tasks facing cybersecurity units. The amount of data is growing exponentially, and only AI can cope with this, which takes over the most labor-intensive operations, including round-the-clock monitoring and repelling every second cyberattacks. Today, both are carried out in an automatic mode - a person connects only when the situation goes beyond the typical framework.

And at the same time, criminals are also aware of all its artificial intelligence capabilities. And they not only attack the victim's AI in order to penetrate the company's systems, but they themselves use it to search for vulnerabilities, conduct phishing attacks, bypass biometric authentication and protection, create malicious software, and guess passwords.

- One of the sessions of the International Cybersecurity Congress is called "Safe digital world - future or utopia?" In your opinion, is this the future or utopia?

- I would say this: the digital world is, of course, our future, because progress is irreversible. How safe this world will be depends on all of us. And from the state and business, which must develop legislation adequate to existing cyber threats. And from law enforcement agencies that will monitor compliance. And from citizens who, I'm sure, will gradually learn to respond to cyber threats as sensitively as they do to threats from the physical world.

After all, we, relatively speaking, do not carry our money in an open wallet in the middle of the night in the most criminal area, we do not leave the house, leaving the door wide open. But for some reason we still come up with passwords like 123456.

And here I see two areas, each of which is equally important: on the one hand, the fight against cybercrime, and on the other hand, the development of digital literacy and cyber culture, I would even say - cyber hygiene. Yes, we want to make the digital world safe, we are confident that we can, and we are ready to invest in it. But at the same time, even now, observing simple security measures, each of us can significantly reduce the likelihood of becoming a victim of a hacker attack or social engineering. This applies to both companies and individuals.

And, again, I see the key to success in cooperation and interaction, in the unity of all those who, as much as we do, want to make the digital world safe. That is why, for the second year in a row, we are holding the International Cybersecurity Congress with the participation of business, government, experts, IT specialists from all over the world. Therefore, "utopia" is just to believe that everything will "settle down" by itself. If nothing is done, then, according to the forecasts of the World Economic Forum, the damage from cybercrime on a global scale, which in 2018 already amounted to $ 1.5 trillion, will reach $ 8 trillion by 2022. So we will together break this dangerous trend and look for an antidote to the plague of the 21st century - the cybercrime pandemic.

Original of this material
© Slon.ru, 08/14/2013, Bilalov: "For me, obtaining asylum abroad will be a painful decision", Photo: "Kommersant"

Anton Zhelnov

After President Putin publicly lectured the Vice President of the Russian Olympic Committee Akhmed Bilalova for the disruption of Olympic construction projects, at Bilalov and his brother Magomed big trouble began. The brothers had to leave Russia, Magomed sold his shares in Krasnaya Polyana OJSC (building the Gornaya Karusel tourist complex) and the National Bank for Business Development. But the Russian investigation wants to reach them abroad as well. On Akhmed Bilalov criminal case was brought back in April, Magomed was charged in July. Last week, the former general director of Krasnaya Polyana Stanislav Khatskevich was arrested, and Magomed Bilalov invited investigators to come and question him in London (they refused).

In an interview for Slon, Magomed Bilalov spoke about who he considers to be the initiators of the criminal case against him, why the Olympic facilities have risen in price during the construction period, how he is going to resist the attack of the investigation, and how he will spend the money he earned from the sale of his business in Russia.

Last week, the general director of Krasnaya Polyana Stanislav Khatskevich was arrested. Does this mean that the point of no return has been passed in your case and the investigative actions have entered an active phase?

Considering that we are “colleagues in misfortune” with him, then, of course, I very much empathize with Stanislav and other colleagues who have become hostages of this situation. Khatskevich and I have never been friends. Stanislav Kuznetsov brought him to the company (Deputy Chairman of Sberbank - Slon) and presented to me. Long convinced me that we need him. At that time, I was a shareholder and a member of the board of directors. I can't say anything bad about Khatskevich's work. He resigned from the company because of a scandal, since he refused to sign the documents imposed on him by Kuznetsov, which also raised big questions for me. As far as I know, he never signed anything, no matter how much Kuznetsov threatened him. His arrest, as well as the persecution of Elena Reiterer, Sergei Kovalevsky, Alexei Nevsky (ex-CEO of North Caucasus Resorts - Slon) and many other managers, I regard it simply as a pressure tool. The team of investigators sent to chase us is large. They are actively working with the methods that are available to them. The fact that these methods are not always legal, I think it is even pointless to comment.

You did not rule out that you would personally come from London to Moscow for interrogation. Why did you make the opposite decision and now insist on a meeting at the Russian embassy in London?

Now I am undergoing treatment abroad, I have health problems. There was a hypertensive crisis, probably due to the stress of the last five months. The investigators are also aware of this - my lawyers sent them all the necessary documents indicating the diagnosis and the clinic where I am being treated. If the investigators want to really establish the truth, then I will answer all the questions, and it is not necessary to do this where there is an entrance, but no exit. For example, at the Russian embassy in London. Moreover, the events with Stanislav Khatskevich show that those who summon him for interrogation do not really want to understand, the only task is to deprive me of the opportunity to defend myself.

- So you will apply for asylum in the UK?

If classic raider actions continue against me, my relatives and my employees, then I will have to seriously consult with lawyers on this issue. But for me, getting asylum abroad will be a painful decision. Problems arise out of nowhere and go nowhere. Such traditions of Russian business have a centuries-old history. With lawyers, I worked out all the ways and mechanisms of protection, I was surprised to learn that in the UK, 27 thousand Russians have applied for political asylum.

Your brother Akhmed Bilalov is also abroad, although he has not yet been charged with any charges, despite checks at the KSK, where he headed the board of directors. Will he also apply for asylum?

Everything related to my brother is incorrect for me to comment. I can say that his health situation is very difficult: he is forced to devote all his time to this issue for at least several months. (Akhmed Bilalov told the media that he was back in mid-2012, but was hospitalized in a clinic in Germany two months after being inspected by the president of the Gornaya Karusel resort. - Slon).

Let's get back to the charges against you. The investigation believes that you, being a co-owner of Krasnaya Polyana, the developer of Gornaya Karusel, caused damage to another shareholder and creditor of the company, Sberbank, by your actions. How was the disclosed amount of damage of 45 million rubles calculated?

Where this amount comes from, you need to ask the investigators or those who brought them a ready-made decision in the criminal case. But for you to understand how events developed, let's go back to 2009, when Sberbank decided to build its headquarters at the Gornaya Karusel resort for the 2014 Winter Games. Then the bank allocated a little less than 1 billion rubles for the purchase of its headquarters, which was approximately 70-80% of the total amount of the contract. This was targeted funding: we could not spend this money on other facilities at the resort. At the same time, Sberbank changed the size of its headquarters several times: initially, its area was about 8 thousand square meters. meters, then increased to 20 thousand square meters. meters. While the design was in progress, we could not start construction. Then it was decided to put these funds on a deposit at 7-8% per annum in the National Bank for Business Development. This was the market percentage. Within the agreed period, the entire deposit was returned to Sberbank.

But at the same time, the NBB issued loans to Krasnaya Polyana at 12% per annum. This is another point on which the investigation accuses you.

Loans were issued from the bank's capital long before Sberbank placed a deposit, starting in 2005. For example, for the purchase of ski lifts for the second stage of the resort. The cost of each such lift is about € 15 million. Also, the NBB "Krasnaya Polyana" issued loans to pay taxes and for the development of the company. The NBB, lending to the Olympic facility, took great risks, and the bank's shareholders never received dividends. In this regard, the statements that, as a co-owner of the NBB, I earned 45 million rubles on Sberbank deposits and loans to Krasnaya Polyana are an open lie. The absurdity of these accusations for the entire banking market is obvious. For example, the difference between deposits and loans of the same Sberbank is the same few percent, and say, for example, that German Gref thus cashing in on depositors means to question the essence of the banking business.

All of these transactions are related party transactions: they must be approved by the board of directors or the general meeting of shareholders.

By the size of the deals we are talking about now, they are in the competence of the board of directors (from 25% to 50% of the company's net assets value). All transactions were agreed, in the documents of Krasnaya Polyana on obtaining loans from the NBB there is a signature of the chairman of the board of directors of the company Stanislav Kuznetsov - who is also vice president of Sberbank. If any of the shareholders, including the state bank, did not agree with this decision, he, according to the law, has the right to challenge the deal within a year, but this was not done. The case of deposits and loans is in the competence of arbitration courts, but not law enforcement agencies. But no one has ever applied to arbitration courts.

Investigative measures against you followed the criticism of Vladimir Putin, who in February 2013, during an inspection of Olympic construction sites, was extremely dissatisfied with the timing of the construction of the springboards ...

I have a certificate of honor signed by the President of the country: I was given it after the ski jumps in the Mountain Carousel received a certificate from the FIS - International Ski Federation, and here several stages of the Ski Jumping World Cup took place just in time. We received the highest marks for the quality of our work. All this happened in 2012. Officially, there was no act of acceptance of the object, except for a temporary one, because the state corporation "Olympstroy" did not fulfill its obligations. Meanwhile, a temporary permit to commission the facility was agreed with the Deputy Prime Minister Dmitry Kozak... He knew perfectly well that it was not my brother who was involved in the project, but I, as the co-owner of Krasnaya Polyana. Therefore, the subsequent statements of the Deputy Prime Minister about “Comrade Bilalov”, when he meant Akhmed, are more than incorrect. My brother never had a shareholding in this project and was not a member of the governing bodies. But, apparently, there was no other way to justify the receipt of this non-core asset by Sberbank - now worth billions of dollars for it - the speakers on the springboard could not in any way. Moreover, in May Vladimir Putin asked Dmitry Kozak at a meeting in Sochi why Sberbank is now the main ski jump in the country.

- There was also talk that the springboard was incorrectly designed. There were mistakes with the choice of the location?

The place for the landing of the springboards was chosen by the IOC. As for the talk about the fact that something was designed incorrectly or the place is bad, I think this is akin to those fairy tales that the project was delivered at the wrong time or was built expensively. The best and most respected experts worked on the project. There were German companies, Norwegians, we were very tightly controlled by Nordby Torgier (FIS expert) and the best Russian experts - Fedorovsky, Kurilo and Kabantsev. They are the most respected design experts. The project passed three state glavgosexpertiza, which also did not reveal any problems. Therefore, I think that before publicly discussing that the project of the springboards was “designed as for the enemy,” you must at least yourself have at least a minimal idea of ​​construction.

- What led to the rise in the price of jumps, about which the president also criticized the investor?

The initial cost of this facility was 1.8 billion rubles. Then this amount increased to 4 billion rubles. The rise in prices was due to increased demands from the FIS and the Sochi 2014 Organizing Committee. All the money for the construction is the funds of the shareholders, some of which were attracted in the form of loans. The amount of 8 billion rubles, which is now called the final amount of the springboards, is false, and the president was deliberately lied to. The sports facility itself is still worth 4 billion rubles. The same amount is also the budget for the creation of protective structures for the springboards and the road to them. The state corporation "Olympstroy" was initially responsible for these objects, which was secured by documents signed, by the way, by Vladimir Putin. But the state corporation failed the task, and in order to save the project, Dmitry Kozak decided that it was necessary to forget about government obligations and hang everything on the investor. For me, these funds were unaffordable: I spoke about this to Dmitry Kozak and his people, the same questions were repeatedly raised at the meeting of both the president and the prime minister.

But in May 2012, Stanislav Kuznetsov, it turns out, agreed at a meeting with Dmitry Kozak, who has been in manual mode for Olympstroy for many years, to build the adjacent infrastructure at the expense of Krasnaya Polyana, which came as a complete surprise to me. Moreover, this is a major deal, and it never went through corporate approvals, that is, it was actually falsified by Kuznetsov. This was followed by a protocol order from Mr. Kozak to build infrastructure at the expense of Krasnaya Polyana itself. Then Sberbank gained control over the company, becoming the owner of 50% of the shares, that is, it was the main bank of the country that had to pay government obligations. For the project, this meant the end of the business.

- Did you have a personal conflict with Dmitry Kozak?

We had no conflicts with Dmitry Nikolaevich, he sometimes made harsh remarks to us. With some things I agreed, on some issues he agreed with me.

At the beginning of our conversation, you said that a well-planned attack is taking place against you and your loved ones. In whose interests?

Several times I mentioned to you the name of the vice-president of Sberbank Stanislav Kuznetsov, who personally oversees the project in Krasnaya Polyana. My brother Akhmed and Stanislav have known each other for at least seven years, when he was still the head of the department of managerial affairs of the Ministry of Economic Development. I am sure that he, being a retired colonel of the Ministry of Internal Affairs - he is also a member of the Public Council of the Ministry of Internal Affairs, - initiated a criminal case against me. He understands very well that questions may arise not only from Sberbank President German Gref, but also from depositors and shareholders of the bank, to his ebullient activities.

- What are these questions?

For example, why Stanislav signed a general contract with the Turkish construction company Sembol. It was with this that our open conflict with him began. Sembol builds for about $ 3 thousand per sq. meter. I opposed this, explaining to him that our contractors were building for $ 1.5-1.8 thousand per square meter. meter. After the state bank gained control over the project, the construction economy plummeted. Over the year, the estimate for the project, including commercial real estate at the resort, has grown from 40 billion to 82 billion rubles. The result is forever stranded real estate, which today is being built at the expense of the depositors of the country's main bank. I do not exclude the possibility of filing claims in international courts against the structures of Sberbank for damage to shareholders by the management of Krasnaya Polyana. For example, at that time, large transactions were concluded without corporate approvals on the direct instructions of Kuznetsov. There is enough fundamental evidence for this. I also plan in the near future to send statements to the Russian law enforcement agencies about the deliberate infliction of millions of losses on me as a shareholder by the company's management.

- Suppose there was a reason to squeeze you out of the project. Why then did all the public criticism go to Ahmed?

Akhmed is a notable figure: before the KSK he was in the Federation Council, and even earlier in the legislative assembly of the Krasnodar Territory, he actively worked in the United Russia party. And the general public did not really know me until that time. As far as I understand, a person with a famous name had to be made the culprit. When the attack on Krasnaya Polyana began and, as a result, Akhmed lost all his posts, the media voiced the reason for the incident. For example, newspapers wrote that Akhmed began to have problems after the KSK began to propose to the Russian government to create a special economic zone after the Olympics in Sochi and Krasnaya Polyana, where all objects built with budget funds could be transferred. According to the media, it was proposed to appoint KSK to manage the zone. Your colleagues drew the conclusion that some of the officials, who could have lost control over the situation in Sochi after the Games, framed Akhmed. But I want to believe that this is nothing more than a conspiracy theory. Although now it is this economic zone that is being created in Krasnaya Polyana to save the business of the Olympics investors.

- You sold your remaining third of Krasnaya Polyana Mikhail Gutseriev, according to him, for $ 20 million. Have you been pointed out to the figure of the co-owner of Russneft?

Our family has known the Gutseriev family for a long time. When we got into trouble, he offered to help. He, after all, in his time too faced similar problems... Why Mikhail Safarbekovich needed my package of Krasnaya Polyana, I do not know, but I am sure - he certainly did not make a mistake. Now about the price he paid me for the share. At first, he publicly spoke about $ 20 million, then a month later - about $ 400 million, but in reality the order of the numbers is different. I promised Gutseriev not to announce the amount.

In May, you also sold your 34.26% stake in the National Bank for Business Development to the owner of Semyonovskaya Manufactory Pavel Kachalov and Round Lake founder Denis Baryshev. According to analysts' calculations, you could get no more than 450 million rubles for your stake. Is it so?

I do not name the price. The conditions in which I sold my shares in Krasnaya Polyana and the National Bank for Business Development cannot be called market conditions. I received some money - that's already good. [...]

["Kommersant", 27.04.2007, "The police know the Prikup to Sochi": The government yesterday published a decree appointing Stanislav Kuznetsov, head of the Ministry of Economic Development and Trade's affairs department, as Deputy Minister of Economic Development and Trade. Mr. Kuznetsov, colonel of the Ministry of Internal Affairs, will manage the federal target program for the development of Sochi for 2006-2014 and control all the "Olympic" programs of the Ministry of Economic Development and Trade with a total cost of 314 billion rubles. [...]
Stanislav Kuznetsov was born on July 25, 1962 in Leipzig, East Germany. In 1984 he graduated from the Red Banner Military Institute of the Ministry of Defense, in 2002 - from the Law Institute of the Ministry of Internal Affairs. PhD in Law, speaks German and Czech. In 1998-2002 he worked in various positions in the Department of International Cooperation of the Ministry of Internal Affairs, holds the rank of colonel. From the position of the first deputy head of the department, he moved to work at the Ministry of Economic Development and Trade, in 2002-2004 he held the position of head of the administrative department of the Ministry of Economic Development and Trade, from 2004 to 2007 he headed the Department of Administrative Department of the Ministry of Economic Development and Trade. [...]
Little is known about Mr. Kuznetsov himself, despite the fact that Stanislav Kuznetsov accompanies German Gref during most of his visits to the regions and attended most of the open meetings at the Ministry of Economic Development and Trade since 2005, however, in fairly small positions. A source close to Mr. Kuznetsov told Kommersant that he had long aspired to the post of German Gref's deputy and was even "upset" when Kirill Androsov became the deputy head of the Ministry of Economic Development and Trade.
Kommersant's interlocutor described Stanislav Kuznetsov as a "strong business executive" and expressed confidence that not a single kopeck in Sochi would be misused. Note, Kommersant sources report that Mr. Kuznetsov was friends with the ex-head of RosSEZ Yuri Zhdanov... Despite the fact that he came to the department with the same mission, this did not help him to retain his post even in the rank of lieutenant general of the Ministry of Internal Affairs - conflicts over control over state investments have recently become commonplace. - Box K.ru]

["Kommersant - Guide Sochi", 15.09.2010, "The Olympics have already begun for us!" :
Guide: You followed German Gref to Sberbank after the IOC decided to hold the 2014 Winter Olympics in Sochi, where you are now in charge of preparations for the Games. Tell me, was your transfer to Sberbank related to the Olympics?
Stanislav Kuznetsov: No, my transition was not directly related to the preparation for the Olympics. One stage just ended and another began. Looking back, I'll be honest: the team headed by German Gref at the Ministry of Economic Development was unique and has done a great job in just over seven years. Another thing is that Sberbank, as the largest bank in the country and one of the largest in Eastern Europe, of course, could not stay away from such a colossal and important project as Sochi Olympic Games... This is a truly national project, around which the whole country unites, and, as it seems to me, not a single large company can stand aside from such a project. This is exactly the case when you need to help, participate, build, take certain risks. As bankers, we love to count money, but now that the whole project is structured, I can say that, from our point of view, it is simply doomed to success. - Box K.ru]

02.11.2019

Magomed Bilalov transferred the springboard to the "overseer of Sochi" under German Gref

Original of this material
© Slon.ru, 08/14/2013, Bilalov: "For me, obtaining asylum abroad will be a painful decision", Photo: "Kommersant"

Anton Zhelnov

After President Putin publicly lectured the Vice President of the Russian Olympic Committee Akhmed Bilalova for the disruption of Olympic construction projects, at Bilalov and his brother Magomed big trouble began. The brothers had to leave Russia, Magomed sold his shares in Krasnaya Polyana OJSC (building the Gornaya Karusel tourist complex) and the National Bank for Business Development. But the Russian investigation wants to reach them abroad as well. On Akhmed Bilalov criminal case was brought back in April, Magomed was charged in July. Last week, the former general director of Krasnaya Polyana Stanislav Khatskevich was arrested, and Magomed Bilalov invited investigators to come and question him in London (they refused).

In an interview for Slon, Magomed Bilalov spoke about who he considers to be the initiators of the criminal case against him, why the Olympic facilities have risen in price during the construction period, how he is going to resist the attack of the investigation, and how he will spend the money he earned from the sale of his business in Russia.

Last week, the general director of Krasnaya Polyana Stanislav Khatskevich was arrested. Does this mean that the point of no return has been passed in your case and the investigative actions have entered an active phase?

Considering that we are “colleagues in misfortune” with him, then, of course, I very much empathize with Stanislav and other colleagues who have become hostages of this situation. Khatskevich and I have never been friends. Stanislav Kuznetsov brought him to the company (Deputy Chairman of Sberbank - Slon) and presented to me. Long convinced me that we need him. At that time, I was a shareholder and a member of the board of directors. I can't say anything bad about Khatskevich's work. He resigned from the company because of a scandal, since he refused to sign the documents imposed on him by Kuznetsov, which also raised big questions for me. As far as I know, he never signed anything, no matter how much Kuznetsov threatened him. His arrest, as well as the persecution of Elena Reiterer, Sergei Kovalevsky, Alexei Nevsky (ex-CEO of North Caucasus Resorts - Slon) and many other managers, I regard it simply as a pressure tool. The team of investigators sent to chase us is large. They actively work with the methods that are available to them. The fact that these methods are not always legal, I think it is even pointless to comment.

You did not rule out that you would personally come from London to Moscow for interrogation. Why did you make the opposite decision and now insist on a meeting at the Russian embassy in London?

Now I am undergoing treatment abroad, I have health problems. There was a hypertensive crisis, probably due to the stress of the last five months. The investigators are also aware of this - my lawyers sent them all the necessary documents indicating the diagnosis and the clinic where I am being treated. If the investigators want to really establish the truth, then I will answer all the questions, and it is not necessary to do this where there is an entrance, but no exit. For example, at the Russian embassy in London. Moreover, the events with Stanislav Khatskevich show that those who summon him for interrogation do not really want to understand, the only task is to deprive me of the opportunity to defend myself.

- So you will apply for asylum in the UK?

If classic raider actions continue against me, my relatives and my employees, then I will have to seriously consult with lawyers on this issue. But for me, getting asylum abroad will be a painful decision. Problems arise out of nowhere and go nowhere. Such traditions of Russian business have a centuries-old history. With lawyers, I worked out all the ways and mechanisms of protection, I was surprised to learn that in the UK, 27 thousand Russians have applied for political asylum.

Your brother Akhmed Bilalov is also abroad, although he has not yet been charged with any charges, despite checks at the KSK, where he headed the board of directors. Will he also apply for asylum?

Everything related to my brother is incorrect for me to comment. I can say that his health situation is very difficult: he is forced to devote all his time to this issue for at least several months. (Akhmed Bilalov told the media that he was back in mid-2012, but was hospitalized in a clinic in Germany two months after being inspected by the president of the Gornaya Karusel resort. - Slon).

Let's get back to the charges against you. The investigation believes that you, being a co-owner of Krasnaya Polyana, the developer of Gornaya Karusel, caused damage to another shareholder and creditor of the company, Sberbank, by your actions. How was the disclosed amount of damage of 45 million rubles calculated?

Where this amount comes from, you need to ask the investigators or those who brought them a ready-made decision in the criminal case. But for you to understand how events developed, let's go back to 2009, when Sberbank decided to build its headquarters at the Gornaya Karusel resort for the 2014 Winter Games. Then the bank allocated a little less than 1 billion rubles for the purchase of its headquarters, which was approximately 70-80% of the total amount of the contract. This was targeted funding: we could not spend this money on other facilities at the resort. At the same time, Sberbank changed the size of its headquarters several times: initially, its area was about 8 thousand square meters. meters, then increased to 20 thousand square meters. meters. While the design was in progress, we could not start construction. Then it was decided to put these funds on a deposit at 7-8% per annum in the National Bank for Business Development. This was the market percentage. Within the agreed period, the entire deposit was returned to Sberbank.

But at the same time, the NBB issued loans to Krasnaya Polyana at 12% per annum. This is another point on which the investigation accuses you.

Loans were issued from the bank's capital long before Sberbank placed a deposit, starting in 2005. For example, for the purchase of ski lifts for the second stage of the resort. The cost of each such lift is about € 15 million. Also, the NBB "Krasnaya Polyana" issued loans to pay taxes and for the development of the company. The NBB, lending to the Olympic facility, took great risks, and the bank's shareholders never received dividends. In this regard, the statements that, as a co-owner of the NBB, I earned 45 million rubles on Sberbank deposits and loans to Krasnaya Polyana are an open lie. The absurdity of these accusations for the entire banking market is obvious. For example, the difference between deposits and loans of the same Sberbank is the same few percent, and say, for example, that German Gref thus cashing in on depositors means to question the essence of the banking business.

All of these transactions are related party transactions: they must be approved by the board of directors or the general meeting of shareholders.

By the size of the deals we are talking about now, they are in the competence of the board of directors (from 25% to 50% of the company's net assets value). All transactions were agreed, in the documents of Krasnaya Polyana on obtaining loans from the NBB there is a signature of the chairman of the board of directors of the company Stanislav Kuznetsov - who is also vice president of Sberbank. If any of the shareholders, including the state bank, did not agree with this decision, he, according to the law, has the right to challenge the deal within a year, but this was not done. The case of deposits and loans is in the competence of arbitration courts, but not law enforcement agencies. But no one has ever applied to arbitration courts.

Investigative measures against you followed the criticism of Vladimir Putin, who in February 2013, during an inspection of Olympic construction sites, was extremely dissatisfied with the timing of the construction of the springboards ...

I have a certificate of honor signed by the President of the country: I was given it after the ski jumps in the Mountain Carousel received a certificate from the FIS - International Ski Federation, and here several stages of the Ski Jumping World Cup took place just in time. We received the highest marks for the quality of our work. All this happened in 2012. Officially, there was no act of acceptance of the object, except for a temporary one, because the state corporation "Olympstroy" did not fulfill its obligations. Meanwhile, a temporary permit to commission the facility was agreed with the Deputy Prime Minister Dmitry Kozak... He knew perfectly well that it was not my brother who was involved in the project, but I, as the co-owner of Krasnaya Polyana. Therefore, the subsequent statements of the Deputy Prime Minister about “Comrade Bilalov”, when he meant Akhmed, are more than incorrect. My brother never had a shareholding in this project and was not a member of the governing bodies. But, apparently, there was no other way to justify the receipt of this non-core asset by Sberbank - now worth billions of dollars for it - the speakers on the springboard could not in any way. Moreover, in May Vladimir Putin asked Dmitry Kozak at a meeting in Sochi why Sberbank is now the main ski jump in the country.

- There was also talk that the springboard was incorrectly designed. There were mistakes with the choice of the location?

The place for the landing of the springboards was chosen by the IOC. As for the talk about the fact that something was designed incorrectly or the place is bad, I think this is akin to those fairy tales that the project was delivered at the wrong time or was built expensively. The best and most respected experts worked on the project. There were German companies, Norwegians, we were very tightly controlled by Nordby Torgier (FIS expert) and the best Russian experts - Fedorovsky, Kurilo and Kabantsev. They are the most respected design experts. The project passed three state glavgosexpertiza, which also did not reveal any problems. Therefore, I think that before publicly discussing that the project of the springboards was “designed as for the enemy,” you must at least yourself have at least a minimal idea of ​​construction.

- What led to the rise in the price of jumps, about which the president also criticized the investor?

The initial cost of this facility was 1.8 billion rubles. Then this amount increased to 4 billion rubles. The rise in prices was due to increased demands from the FIS and the Sochi 2014 Organizing Committee. All the money for the construction is the funds of the shareholders, some of which were attracted in the form of loans. The amount of 8 billion rubles, which is now called the final amount of the springboards, is false, and the president was deliberately lied to. The sports facility itself is still worth 4 billion rubles. The same amount is also the budget for the creation of protective structures for the springboards and the road to them. The state corporation "Olympstroy" was initially responsible for these objects, which was secured by documents signed, by the way, by Vladimir Putin. But the state corporation failed the task, and in order to save the project, Dmitry Kozak decided that it was necessary to forget about government obligations and hang everything on the investor. For me, these funds were unaffordable: I spoke about this to Dmitry Kozak and his people, the same questions were repeatedly raised at the meeting of both the president and the prime minister.

But in May 2012, Stanislav Kuznetsov, it turns out, agreed at a meeting with Dmitry Kozak, who has been in manual mode for Olympstroy for many years, to build the adjacent infrastructure at the expense of Krasnaya Polyana, which came as a complete surprise to me. Moreover, this is a major deal, and it never went through corporate approvals, that is, it was actually falsified by Kuznetsov. This was followed by a protocol order from Mr. Kozak to build infrastructure at the expense of Krasnaya Polyana itself. Then Sberbank gained control over the company, becoming the owner of 50% of the shares, that is, it was the main bank of the country that had to pay government obligations. For the project, this meant the end of the business.

- Did you have a personal conflict with Dmitry Kozak?

We had no conflicts with Dmitry Nikolaevich, he sometimes made harsh remarks to us. With some things I agreed, on some issues he agreed with me.

At the beginning of our conversation, you said that a well-planned attack is taking place against you and your loved ones. In whose interests?

Several times I mentioned to you the name of the vice-president of Sberbank Stanislav Kuznetsov, who personally oversees the project in Krasnaya Polyana. My brother Akhmed and Stanislav have known each other for at least seven years, when he was still the head of the department of managerial affairs of the Ministry of Economic Development. I am sure that he, being a retired colonel of the Ministry of Internal Affairs - he is also a member of the Public Council of the Ministry of Internal Affairs, - initiated a criminal case against me. He understands very well that questions may arise not only from Sberbank President German Gref, but also from depositors and shareholders of the bank, to his ebullient activities.

- What are these questions?

For example, why Stanislav signed a general contract with the Turkish construction company Sembol. It was with this that our open conflict with him began. Sembol builds for about $ 3 thousand per sq. meter. I opposed this, explaining to him that our contractors were building for $ 1.5-1.8 thousand per square meter. meter. After the state bank gained control over the project, the construction economy plummeted. Over the year, the estimate for the project, including commercial real estate at the resort, has grown from 40 billion to 82 billion rubles. The result is forever stranded real estate, which today is being built at the expense of the depositors of the country's main bank. I do not exclude the possibility of filing claims in international courts against the structures of Sberbank for damage to shareholders by the management of Krasnaya Polyana. For example, at that time, large transactions were concluded without corporate approvals on the direct instructions of Kuznetsov. There is enough fundamental evidence for this. I also plan in the near future to send statements to the Russian law enforcement agencies about the deliberate infliction of millions of losses on me as a shareholder by the company's management.

- Suppose there was a reason to squeeze you out of the project. Why then did all the public criticism go to Ahmed?

Akhmed is a notable figure: before the KSK he was in the Federation Council, and even earlier in the legislative assembly of the Krasnodar Territory, he actively worked in the United Russia party. And the general public did not really know me until that time. As far as I understand, a person with a famous name had to be made the culprit. When the attack on Krasnaya Polyana began and, as a result, Akhmed lost all his posts, the media voiced the reason for the incident. For example, newspapers wrote that Akhmed began to have problems after the KSK began to propose to the Russian government to create a special economic zone after the Olympics in Sochi and Krasnaya Polyana, where all objects built with budget funds could be transferred. According to the media, it was proposed to appoint KSK to manage the zone. Your colleagues drew the conclusion that some of the officials, who could have lost control over the situation in Sochi after the Games, framed Akhmed. But I want to believe that this is nothing more than a conspiracy theory. Although now it is this economic zone that is being created in Krasnaya Polyana to save the business of the Olympics investors.

- You sold your remaining third of Krasnaya Polyana Mikhail Gutseriev, according to him, for $ 20 million. Have you been pointed out to the figure of the co-owner of Russneft?

Our family has known the Gutseriev family for a long time. When we got into trouble, he offered to help. He, after all, in his time too faced similar problems... Why Mikhail Safarbekovich needed my package of Krasnaya Polyana, I do not know, but I am sure - he certainly did not make a mistake. Now about the price he paid me for the share. At first, he publicly spoke about $ 20 million, then a month later - about $ 400 million, but in reality the order of the numbers is different. I promised Gutseriev not to announce the amount.

In May, you also sold your 34.26% stake in the National Bank for Business Development to the owner of Semyonovskaya Manufactory Pavel Kachalov and Round Lake founder Denis Baryshev. According to analysts' calculations, you could get no more than 450 million rubles for your stake. Is it so?

I do not name the price. The conditions in which I sold my shares in Krasnaya Polyana and the National Bank for Business Development cannot be called market conditions. I received some money - that's already good. [...]

["Kommersant", 27.04.2007, "The police know the Prikup to Sochi": The government yesterday published a decree appointing Stanislav Kuznetsov, head of the Ministry of Economic Development and Trade's affairs department, as Deputy Minister of Economic Development and Trade. Mr. Kuznetsov, colonel of the Ministry of Internal Affairs, will manage the federal target program for the development of Sochi for 2006-2014 and control all the "Olympic" programs of the Ministry of Economic Development and Trade with a total cost of 314 billion rubles. [...]
Stanislav Kuznetsov was born on July 25, 1962 in Leipzig, East Germany. In 1984 he graduated from the Red Banner Military Institute of the Ministry of Defense, in 2002 - from the Law Institute of the Ministry of Internal Affairs. PhD in Law, speaks German and Czech. In 1998-2002 he worked in various positions in the Department of International Cooperation of the Ministry of Internal Affairs, holds the rank of colonel. From the position of the first deputy head of the department, he moved to work at the Ministry of Economic Development and Trade, in 2002-2004 he held the position of head of the administrative department of the Ministry of Economic Development and Trade, from 2004 to 2007 he headed the Department of Administrative Department of the Ministry of Economic Development and Trade. [...]
Little is known about Mr. Kuznetsov himself, despite the fact that Stanislav Kuznetsov accompanies German Gref during most of his visits to the regions and attended most of the open meetings at the Ministry of Economic Development and Trade since 2005, however, in fairly small positions. A source close to Mr. Kuznetsov told Kommersant that he had long aspired to the post of German Gref's deputy and was even "upset" when Kirill Androsov became the deputy head of the Ministry of Economic Development and Trade.
Kommersant's interlocutor described Stanislav Kuznetsov as a "strong business executive" and expressed confidence that not a single kopeck in Sochi would be misused. Note, Kommersant sources report that Mr. Kuznetsov was friends with the ex-head of RosSEZ Yuri Zhdanov... Despite the fact that he came to the department with the same mission, this did not help him to retain his post even in the rank of lieutenant general of the Ministry of Internal Affairs - conflicts over control over state investments have recently become commonplace. - Box K.ru]

["Kommersant - Guide Sochi", 15.09.2010, "The Olympics have already begun for us!" :
Guide: You followed German Gref to Sberbank after the IOC decided to hold the 2014 Winter Olympics in Sochi, where you are now in charge of preparations for the Games. Tell me, was your transfer to Sberbank related to the Olympics?
Stanislav Kuznetsov: No, my transition was not directly related to the preparation for the Olympics. One stage just ended and another began. Looking back, I'll be honest: the team headed by German Gref at the Ministry of Economic Development was unique and has done a great job in just over seven years. Another thing is that Sberbank, as the largest bank in the country and one of the largest in Eastern Europe, of course, could not stay away from such a colossal and important project as Sochi Olympic Games... This is a truly national project, around which the whole country unites, and, as it seems to me, not a single large company can stand aside from such a project. This is exactly the case when you need to help, participate, build, take certain risks. As bankers, we love to count money, but now that the whole project is structured, I can say that, from our point of view, it is simply doomed to success. - Box K.ru]

Recent cyberattacks have shown the vulnerability of corporations and government services to online scammers. How to secure funds on your accounts, why it was not possible to immediately recognize and block the spread of the Wannacry virus, what is the need for a bureau of credit cyberstories, why does the bank need self-learning robots-androids, when ATMs that recognize faces may appear, in an interview with RIA Novosti on the eve of the St. Petersburg International Economic the forum was told by the deputy chairman of the board of Sberbank Stanislav Kuznetsov.

Stanislav Konstantinovich, we are meeting on the eve of the St. Petersburg Economic Forum. You are a member of the SPIEF organizing committee, and Sberbank is always actively involved in its work. What are you traveling with and what do you expect from the forum in 2017?

The St. Petersburg Forum this year will, as I see it, be unique - both in terms of the rank of the political establishment and in terms of innovations. Very good, because the innovative spirit of the forum has been preserved for many years. Sberbank is preparing a special program for the forum in 2017.

On June 1, Sberbank will hold a plenary session, for which we have invited an all-star cast (I don’t want to name them yet, but these are people who have made technological breakthroughs at the global level). The discussion will be unpredictable, because they feel at their fingertips where the world will go, and this is very important for Russia.

We are entering the pre-election period, and the discussion at the forum can become a platform for discussing new ideas and approaches to the development of the country. It seems to me that many forum participants will use this very platform to test them.

Of course, we will also host our traditional Sberbank Night reception, and on June 2, Sberbank breakfast. This year's theme is very simple and probably the most mesmerizing of them all, because it has to do with what Russia will be like after May 2018. The discussion there is supposed to be sharp, it will be moderated by German Gref. The interest in participating in the breakfast from all top officials is huge, the event will be broadcasted live.

It is safe to say that the St. Petersburg Forum has its own face. We will have not just our traditional stand, but the whole "street" of Sberbank. We invite everyone.

You said that people will come to the forum who feel at their fingertips how the world is changing. In your opinion, how is the world changing, what technologies are the future, and what is the place of Russia in this global chain?

It is very difficult to answer this question unequivocally, but it seems to me that the world is moving towards unique high technologies, the creation of ecosystems, cognitive technologies, and artificial intelligence. And the speed with which this direction is developing is sometimes simply overwhelming. Russia has huge reserves here, we do not always assess them clearly, sometimes underestimate, sometimes overestimate. It seems to me that we need to work on these trends more seriously, invest more effort, time and money in their study and development.

Inside the bank, we are now taking a proactive position on the introduction of new technologies, on the creation of various laboratories, and artificial intelligence. But everything is changing with tremendous speed, perhaps it does not take years or months. These avenues can be fantastic breakthroughs. As a rule, we talk about the essence of our research, but how far we have advanced in the field of creating artificial intelligence can be judged by talking with our android robots at the Sberbank stand. Today they can answer 90 out of 100 questions and have the opportunity to self-study. All software for these robots was written by our programmers. I think that we will be able to commercialize technological developments in the future. For example, we are starting to test the delivery of small cargoes by drones. The launch of this project is just a matter of a short time.

- How much does Sberbank invest in the development of new technologies?

I will say this: so far, unfortunately, very little. Nowadays, a lot rests on the enthusiasts who are fired up by these projects. I am sure that much more needs to be invested in order to achieve tangible results. While we are at the beginning of the path.

Are you planning to use facial recognition technologies and other latest developments for daily use, for example, at ATMs?

My answer is yes. I will not give details yet, I will only say that we have a lot of synergetic ideas, most of which are associated with non-standard approaches. That is, maybe we will think about the emergence of new directions that no one has ever used before, including in banking. But this is a question for the future, as long as it is at the level of ideas.

- Does the future last for decades?

Of course not! We don't have that much time. I think we are talking about a period that is calculated in months. But this direction will definitely be included in our new strategy for 2020, which is now being prepared and will be presented to the Supervisory Board in the fall.

Today, many countries and companies are investing in so-called identification technologies. On the one hand, this is the key to shortening many procedures and simplifying the interaction with customers, on the other hand, it will completely or almost eliminate any fraud.

Each cyber fraud scheme is based on the fact that a person acts on someone else's behalf - uses someone else's card, has a fake certificate, and so on. As soon as we clearly define both by voice and appearance that this is our client, a lot of issues will be resolved. In the banking sector, this identification should be close to 100%, because we are talking about money. Therefore, today we ourselves are developing such recognition systems, as well as looking for them on the global market. It seems to me that the Japanese have advanced the most in this direction, there are a lot of interesting developments in Israel and in Russia.

As for cybersecurity, there is a very good trend in our country - more and more structures and state institutions are beginning to clearly understand the cost of risks. This is good - the more people understand the level of cyber risks, the faster and better we can improve our countermeasures system. This is a big plus. And I have an inner feeling that Russia has huge reserves in this direction. With regard to credit institutions, the policy pursued by the Central Bank is strategically correct. But we lack the speed of change today. A certain monotonous development of the situation does not correspond to the speed of change and the emergence of new cyber risks.

- How can the situation be changed?

I advocate the early creation of a certain technological platform, where credit institutions and telecom companies could exchange fraudulent information. Unfortunately, there is no such platform at the country level today. We do not exclude that it will appear in the near future. Such a platform will significantly reduce the risks of fraud and cyberattacks. Relatively speaking, a fake card of a bank that has been blacklisted, in the stop list of the bank itself, can tomorrow be used in Sberbank and in any other bank, but we do not know anything about this stop list. It's actually a cyberstories bureau.

The system may contain information on both invoices and fake passports. We raised this problem at the Central Bank, we were supported, but the rate of change is extremely low. We all need to change much faster. We began to jointly test some elements of this system with a number of banks. We have results. I would like to quickly unite to exchange this information.

- Should it be an independent site?

We don't know yet, but it's right to do it like a credit bureau, when everyone participates on the same basis. As for the regulator, there may be different models. He may be inside, but it would be more correct to make a special access for the regulator, he must see everything, only control according to special signs. Law enforcement agencies and special services should have special access. I am sure that similar platforms will come to other areas, including industry, and maybe everything will be on a single platform. Today, scammers take advantage of the absence of such tools. Unfortunately, the state, corporations and small businesses cannot be guaranteed to be protected from cyber fraud. And our country can lose this race if it does not acquire the required speed of change. This kind of system should be built on the basis of blockchain technology.

- How secure is the blockchain system?

This is a different way of working. This is the simultaneous registration of the same information for everyone. For example, we all have the knowledge at the same time that this pen is silver. If you change the information with me, then it will remain with you. Any attempts to influence someone alone are impossible, and also to change common knowledge. The reliability of these approaches is close to 100%.

How far has Sberbank been able to progress in preventing the leakage of funds from the accounts and cards of its clients over the past year?

Last week we achieved a unique result: in 97% of cases, we recorded the fact of withdrawal of funds and stopped the fraud. Our target for this indicator is 94-95% per year. In the world now this figure is 84-85%. On average, there are five to five and a half thousand fraud attempts against our clients per week. Unfortunately, on these facts, criminal cases are rarely initiated. This worries us greatly.

- Why is this a situation?

We transfer all materials to law enforcement agencies, but the state now does not have sufficient tools to initiate cases. Theft was committed from an account, for example, using social engineering: the fraudster persuaded a person to provide his data, it turns out that he provided himself - he is to blame. We still do not have the term "cybercrime" in our legislation, there is no glossary of cyber fraud and cyber risks. This is just about the speed of changes in our legislation.

- Is the hacker's image changing? Are there new countries - sources of cyberattacks?

Oh sure. In cyberspace, we close one loophole, and they find another and move on. The task of large corporations is to predict and simulate such situations.

- You said last year that Russia is a prime target for cyberattacks. The situation has changed?

In general, our country remains the number one target for the whole world. The question is not even about Russian hackers, but about the fact that our legislation today allows cybercriminals to operate fairly freely in our space. Basically, attacks come from the shadow Internet, and it is quite difficult to counter this.

Give advice to an ordinary client of Sberbank who uses social networks, has the Sberbank Online application, makes transactions on the Internet, how to protect yourself?

First tip: do not respond to any calls. If they call you and introduce themselves to the security service of a bank or call center and tell you the unpleasant news that your card is blocked, but you can unblock it without coming to the office, provided that you give a certain number, these are definitely scammers. If you receive an SMS, where it is offered to just call on the phone and everything will be all right in your life, these are definitely scammers. It is necessary to contact the bank's call center and make sure that no action has taken place.

An expert on the "creators" of WannaCry: the US is trying to "deflect the fire" from itselfAmerican cybersecurity experts believe that the creators of the WannaCry ransomware virus come from the southern regions of China, Hong Kong, Taiwan or Singapore. Expert Leonty Bukstein commented on these assumptions on the air of Sputnik radio.

With regard to Sberbank Online, the biggest threat is phishing, where fraudsters can hang a similar picture on the computer screen and ask you for passwords and code words, and then send SMS messages. The site has instructions on how to understand if this is a phishing picture or not. But if this happens to you, it means that you gave the fraudsters your address, access to the computer; This means that scammers are confident enough in your computer. It is necessary to use the means of virus protection.

Much has been written in our press about the latest Wannacry attack, but this again has to do with hygiene - someone uses old or pirated versions of software, does not install updates that close gaps, and is careless about cyber culture.

- What did this attack teach you?

This attack showed that there is no single center for the analysis of cyber threats in the world. If the global spread has passed, then there should be one point in the world, where all information about the threat of the realized risks flows. If this does not happen, then it will be impossible to stop the threat. I'm not sure about government institutions, but there is definitely no such center at the level of commercial structures. When commercial companies in Russia were cyberattacked, they did not have any instructions to send this information to any one think tank and no one received any recommendations on how to proceed. This is very sad and makes us think about urgent measures how to hedge these risks.

We behaved in a completely different way, deciding to turn around to face the problem: we were among the first to record the attack, and immediately informed the Central Bank, special services, and the Ministry of Internal Affairs about it. Then, for a few hours, we analyzed all our systems, including the child structures, to make sure that this did not affect us. We turned to those companies that were heavily exposed to such a blow, and offered them our help. Personally, I myself called the Ministry of Internal Affairs, and MegaFon, and other companies and offered any assistance I could. Within a few hours, we created a utility that allowed us to identify infected devices and check the infrastructure for vulnerable hosts. All that night, from Friday to Saturday, at least two teams of our cybersecurity specialists traveled to some of the affected companies and in fire mode helped to minimize the damage. We did it, of course, free of charge.

This attack must be very carefully analyzed at the state level, and at the level of special services, and at the level of large corporations. Conclusions must be made very serious, because such attacks can be repeated, mutated, and we must learn to counteract them.

- Can you really find organizers for Wannacry?

Of course yes! It is the matter of time. Today I am inclined to believe the official information. However, the main question is not even in the country of origin, but in how we detect such attacks and counteract them. How to put up a barrier so that no one can penetrate it? And now the X-hour has just come when we can and must do it. And if we in our country had a common technological platform for cyber risk management, which I mentioned above, then the situation with Wannacry on such a scale would not be accurate.

1984 Red Banner Military Institute Military-political, foreign languages Officer with a higher military-political education, translator-assistant German, Czech translator 2002 Law Institute of the Ministry of Internal Affairs of the Russian Federation Jurisprudence PhD in Law
WITH	organization	position
1	2	3
30.01.2008		Senior vice president
WITH	on	organization	position
1	2	3	4
09.04.2002	23.04.2007		Head of the Administrative Department; Director of the Department of Business Administration
24.04.2007	29.01.2008	Ministry of Economic Development and Trade of the Russian Federation	Deputy Minister
	0
	0
	0
	0
	0
	0
	No
	No
	No

15. Surname, name, patronymic, year of birth: MOROZOV ALEXANDER VLADIMIROVICH, Born 1969
1995 Moscow State University M.V. Lomonosov, Economic theory, economist
WITH	organization	position
1	2	3
12.05.2008		Director of Financial Management
WITH	on	organization	position
1	2	3	4
01.10.2001	31.12.2005		Head of Treasury
01.01.2006	31.05.2007	CJSC "International Moscow Bank"	General Manager, Head of the Treasury
02.07.2007	08.05.2008	CB Renaissance Capital (LLC)	Executive Vice President, Chief Financial Officer
	0
	0
	0
	0
	0
	0
	No
	No
	No

16. Surname, name, patronymic, year of birth: ORLOVSKY VICTOR MIKHAILOVICH, Born in 1974

Education details: Higher

1996 Tashkent Electrotechnical Institute of Communications

Automatic telecommunication

Automatic Telecommunication Engineer

2001 Moscow State University of Economics, Statistics and Informatics

Finance and credit

Economist

Positions currently held, including part-time positions:
WITH	organization	position
1	2	3
30.01.2008	Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock company)	Senior vice president
Positions held over the past five years, including part-time positions (in chronological order):
WITH	on	organization	position
1	2	3	4
26.11.2001	13.01.2006	OJSC "Alfa-Bank"	Deputy Director of Information Technology, Senior Vice President; Director of the Department for Quality Management of Processes and Projects; Director for Development and Support of Products and Operations of the Retail Business Block
16.01.2006	25.01.2008	LLC "IBM Eastern Europe / Asia"	Deputy Director
Share of participation in the authorized capital of the credit organization - issuer	0
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

17. Surname, name, patronymic, year of birth: PESOTSKY VLADIMIR FILIMONOVICH, Born in 1940

Education details: Higher 1968 Altai Polytechnic Institute Industrial and civil construction Civil engineer 1975 Higher Party School under the Central Committee of the CPSU
WITH	organization	position
1	2	3
12.09.1991	Altai Bank of the Joint-Stock Commercial Savings Bank of the Russian Federation (open joint-stock company)	Chairperson
Share of participation in the authorized capital of the credit organization - issuer	0,003%
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0,002%
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

18. Surname, name, patronymic, year of birth: RYBAKOVA GALINA ANATOLIEVNA, Born in 1956
Education details: Higher 1978 Moscow Financial Institute Finance and credit Economist PhD in Economics
WITH	organization	position
1	2	3
26.10.2000	Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock company)	Director of the Branch Office
Positions held over the past five years, including part-time positions (in chronological order): I have not held any other positions, except for those currently held, for the last 5 years.
Share of participation in the authorized capital of the credit organization - issuer	0,003%
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0,003%
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

19. Surname, name, patronymic, year of birth: SALONEN ILKKA SEPPO, Born in 1955
Education details: Higher 1981 University of Helsinki Regional studies Regionalist Master of Political Science in Economics and Statistics
Positions currently held, including part-time positions:
WITH	organization	position
1	2	3
04.06.2008	Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock company)	Deputy Chairman of the Management Board
Positions held over the past five years, including part-time positions (in chronological order):
WITH	on	organization	position
1	2	3	4
30.10.1998	31.01.2007	CJSC "International Moscow Bank"	Chairman of the Board
01.05.2007	30.04.2008	Renaissance Capital Management Company LLC	The president
Share of participation in the authorized capital of the credit organization - issuer	0
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

20. Surname, name, patronymic, year of birth: ALEXANDER SOLOVIEV, Born in 1949

Education details: Higher

1973 Voronezh State Pedagogical Institute

High school physics teacher

1982 Voronezh Polytechnic Institute

Economics and organization of the engineering industry

Engineer-economist

Share of participation in the authorized capital of the credit organization - issuer	0,01%
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0,01%
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

21. Surname, name, patronymic, year of birth: SUNDEEV VLADIMIR BORISOVICH, Born in 1961

Education details: Higher

1984 Leningrad Higher Marine Engineering School named after V.I. Admiral S.O. Makarova

Arctic Faculty, Meteorology

Meteorological engineer

1997 Institute for Retraining and Advanced Studies of the Financial Academy

Under the Government of the Russian Federation

Banking

Economist

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time positions (in chronological order): I have not held any other positions, except for those currently held, for the last 5 years.

Share of participation in the authorized capital of the credit organization - issuer	0
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

22. Surname, name, patronymic, year of birth: SYUKASEV LEONID MIKHAILOVICH, Born in 1953

Education details: Higher

1974 Sverdlovsk Law Institute

Jurisprudence

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time positions (in chronological order): I have not held any other positions, except for those currently held, for the last 5 years.

Share of participation in the authorized capital of the credit organization - issuer	0
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

23. Surname, name, patronymic, year of birth: SCHURENKOV VIKTOR VASILIEVICH, Born in 1951

Education details: Higher

1976 Kuibyshev Polytechnic Institute

Automation and telemechanics

Electrical Engineer

1997 Samara State Economic Academy

Finance and credit

Economist

Positions currently held, including part-time positions (positions held over the past five years):

Positions held over the past five years, including part-time positions (in chronological order): I have not held any other positions, except for those currently held, for the last 5 years.

Share of participation in the authorized capital of the credit organization - issuer	0,003%
Percentage of ordinary shares in a credit institution - issuer - for a credit institution - issuer, which is a joint stock company	0,004%
The number of shares of a credit institution - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint stock company	0
Shares of participation in the authorized (reserve) capital (mutual fund) of subsidiaries and dependent companies of the credit organization - issuer	0
Shares of ordinary shares held by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer, which is a joint-stock company	0
The number of shares of a subsidiary or dependent company of a credit organization - issuer of each category (type) that can be acquired as a result of exercising rights under the options held by a subsidiary or dependent company of a credit organization - issuer - for subsidiaries and dependent companies of a credit organization - an issuer that is a joint stock company	0
The nature of any kinship with other persons who are members of the governing bodies of the credit institution - issuer and / or bodies of control over the financial and economic activities of the credit institution - issuer	No
Information on bringing to administrative responsibility for offenses in the field of finance, taxes and fees, the securities market or criminal liability (convictions) for crimes in the field of economics or for crimes against state power	No
Information about holding positions in the management bodies of commercial organizations during the period when a bankruptcy case was initiated against these organizations and / or one of the bankruptcy procedures provided for by the legislation of the Russian Federation on insolvency (bankruptcy) was introduced.	No

President, Chairman of the Board of Sberbank of Russia - GREF GERMAN OSKAROVICH

5.3. Information on the amount of remuneration, benefits and / or compensation for expenses for each governing body of the credit organization - issuer. The members of the Supervisory Board were not paid any payments related to 2007 and related to their participation in this management body of the Bank. Information on the existing agreements regarding the payment of income (remuneration): The development of principles and criteria for determining the amount of remuneration for members of the Supervisory Board is within the competence of the HR and Remuneration Committee of the Bank's Supervisory Board. Decisions on the payment of remuneration to members of the Supervisory Board of Sberbank of Russia associated with their participation in this management body of the bank are made at the annual general meeting of shareholders of Sberbank of Russia. At the annual general meeting of shareholders of Sberbank of Russia, which took place on June 27, 2008, it was decided to pay remuneration to the members of the Supervisory Board in the amount of 1 million rubles each with their consent in accordance with the legislation of the Russian Federation. The amount of payments to the members of the Bank's Management Board for 2007, including salaries, monthly and quarterly bonuses, and remuneration following the results of 2007, amounted to 891,112,187 rubles. The amount of payments to the members of the Bank's Management Board for 2008, accrued in the first half of 2008 and including salaries, monthly and quarterly bonuses, amounted to 129,102,619 rubles. Information on the existing agreements regarding the payment of income (remuneration): The development of principles and criteria for determining the amount of remuneration for the President, Chairman of the Management Board and members of the Bank's Management Board is within the competence of the HR and Remuneration Committee of the Bank's Supervisory Board. Payment of remuneration and compensation is carried out in accordance with the terms of agreements concluded with the President, Chairman of the Management Board and members of the Management Board of the bank. There is no practice of paying commissions or other proprietary representations to members of the Management Board at Sberbank of Russia.

5.4. Information on the structure and competence of the bodies supervising the financial and economic activities of the credit organization - the issuer.

Control over the financial and economic activities of the Bank is carried out by the audit commission elected by the annual general meeting of shareholders of the Bank for a period until the next annual general meeting of shareholders in the amount of 7 members. The Audit Commission checks the Bank's compliance with legislative and other acts regulating its activities, the establishment of internal control in the Bank, the legality of the Bank's operations. The Auditing Commission is obliged to: Carry out an audit of the financial and economic activities of the Bank based on the results of its activities for the year, as well as at any time at the initiative of the bodies and persons named in the Federal Law "On Joint Stock Companies", the Charter of the Bank and the Regulations on the Auditing Commission of the Joint Stock Commercial society); Assess the reliability of the data included in the annual report of the Bank and contained in the annual financial statements of the Bank.

Information on the system of internal control over the financial and economic activities of the credit organization - issuer.

Since the establishment of the Joint-Stock Commercial Savings Bank of the Russian Federation (open joint-stock company), an internal audit service has been operating in it - the Internal Control Service of Sberbank of Russia. As of the reporting date, the head of the Bank's Internal Control Service is Acting. Director of the Department of Internal Control, Revisions and Audit - O.V. Chistyakov. The Bank's Internal Control Service reports to the Supervisory Board, the President, the Chairman of the Management Board of the Bank and the Management Board of the Bank. The main functions of this service are: Verification of the completeness of application and effectiveness of the Bank's methodology for assessing banking risks and banking risk management procedures; Checking the reliability of the functioning of the internal control system over the use of automated information systems, including monitoring the integrity of databases and their protection from unauthorized access and (or) use; Checking the reliability, completeness, objectivity and timeliness of accounting and reporting (for external and internal users), as well as the reliability and timeliness of the collection and presentation of information and reporting; generalization and analysis of the results of inspections of external controlling and supervisory bodies, systematization of violations, errors and omissions in the work of the Bank's divisions revealed during inspections, control over elimination of violations, etc.

Information on the existence of an internal document of the credit organization - the issuer establishing the rules for preventing the use of official (insider) information.

In accordance with the requirements of the Federal Commission for the Securities Market for professional participants in the securities market, Sberbank of Russia has developed a "List of Measures Aimed at Preventing the Misuse of Official Information When Sberbank of Russia Performs Professional Activities in the Securities Market" dated 20.08.2003. No. 1151-r, approved by the Federal Commission for the Securities Market on November 11, 2003. Internet page address: The text of the document is available on the bank's website -