List of Abbreviations

ATM Automated Teller Machine
Bank OJSC Sberbank of Russia
CEO Chief Executive Officer
CIS Commonwealth of Independent States
CJSC Closed Joint-Stock Company
COSC Customer Operations Support Centre
CSR Corporate Social Responsibility
EMBA Executive Master of Business Administration
FATF Financial Action Task Force
GDP Gross Domestic Product
GRI Global Reporting Initiative
GUP State Unitary Enterprise
GUP RM State Unitary Enterprise of the Republic of Mordovia
HR Human Resources
IDCC Integrated Distributed Call Centre
IFRS International Financial Reporting Standards
ISO International Organisation for Standardisation
LLC Limited Liability Company
MLTF Money Laundering and Terrorist Financing
OECD Organisation for Economic Co-operation and Development
OJSC Open Joint-Stock Company
OHS Occupational Health and Safety
PCI DSS Payment Card Industry Data Security Standard
PIN Personal Identification Number
RAS Russian Accounting Standards
SPS Sberbank Production System
STP Straight-Through Processing
UEC Universal Electronic Card
UN United Nations
UNFCCC United Nations Framework Convention on Climate Change


My Annual Report