AS Automated System
ADR American Depositary Receipt
AML Anti-Money Laundering
AML/CTF Anti-Money Laundering and Counter-Terrorism Financing
ATM Automated Teller Machine
Bank OJSC Sberbank of Russia
CEO Chief Executive Officer
CHF Swiss Franc
CIS Commonwealth of Independent States
CJSC Closed Joint-Stock Company
COSC Customer Operations Support Centre
CSR Corporate Social Responsibility
FISU International University Sports Federation
FTS Federal Tax Service
FZ Federal Law of the Russian Federation
GDP Gross Domestic Product
GRI Global Reporting Initiative
HR Human Resources
IFRS International Financial Reporting Standards
INSEAD European Institute of Business Administration
IP Internet Protocol
ISO International Organisation for Standardisation
ISO/IEC International Organization for Standardization/International Electrotechnical Commission
IT Information Technology
JSC Joint Stock Company
KPI Key Performance Indicator
LED Light-Emitting Diode
LBS London Business School
LLC Limited Liability Company
MICEX Moscow Interbank Currency Exchange
NES New Economic School
NGO Non-governmental organization
NIS Navigation-Information Systems
GLONASS Global Navigation Satellite System
OFZ Federal Loan Obligations of the Russian Federation
OJSC Open Joint-Stock Company
PCI/DSS Payment Card Industry Data Security Standard
PAHU Precision Air Handling Units
Q&A Questions and Answers
RAS Russian Accounting Standards
RF the Russian Federation
RTS Russian Trading System
RUB Russian Ruble
SB Subsidiary Bank
SMS Short Message Service
SPS Sberbank Production System
STP Straight-Through Processing
UN United Nations
USD The United States Dollar
VIP Very Important Person
VMI Voluntary Medical Insurance


My Annual Report

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