Stanislav Kuznetsov, Sberbank: On the issue of cybersecurity, you have to cut to the quick. Stanislav Kuznetsov: biography, creativity, career, personal life Thank you for the interview and business success

1984 Military Red Banner Institute Military-political, foreign languages Officer with higher military-political education, translator-referent 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 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 in 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 the Treasury
01.01.2006	31.05.2007	CJSC "International Moscow Bank"	General Manager, Head of 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 VIKTOR MIKHAILOVICH, born in 1974

Information about education: Higher

1996 Tashkent Electrotechnical Institute of Communications

Automatic telecommunications

Automatic telecommunication engineer

2001 Moscow State University of Economics, Statistics and Informatics

Finance and credit

Economist

Positions currently held, including part-time:
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 Chief Information Officer, 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	IBM Eastern Europe/Asia LLC	Deputy Director
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

17. Surname, name, patronymic, year of birth: Pesotsky Vladimir Filimonovich, born in 1940

Information about education: 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)	Chairman

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,002%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

18. Surname, name, patronymic, year of birth: RYBAKOVA GALINA ANATOLYEVNA, born in 1956
Information about education: 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)	Branch Office Director
Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.
Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,003%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

19. Surname, name, patronymic, year of birth: Salonen Ilkka Seppo, born in 1955
Information about education: Higher 1981 University of Helsinki regional studies Regional expert Master of Political Science in Economics and Statistics
Positions currently held, including part-time:
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 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	LLC Managing Company Renaissance Capital	The president
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

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

Information about education: Higher

1973 Voronezh State Pedagogical Institute

High school physics teacher

1982 Voronezh Polytechnic Institute

Economics and organization of the engineering industry

Economic Engineer

Stake in the authorized capital of the credit institution - issuer	0,01%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,01%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

21. Surname, name, patronymic, year of birth: Sundeev Vladimir Borisovich, born in 1961

Information about education: Higher

1984 Leningrad Higher Marine Engineering School. Admiral S.O. Makarova

Arctic faculty, meteorology

Meteorological engineer

1997 Institute for Retraining and Advanced Training 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

22. Surname, name, patronymic, year of birth: SUKASEV LEONID MIKHAILOVICH, born in 1953

Information about education: 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

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

Information about education: 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,004%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation 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 reimbursement of expenses for each management body of the credit institution - issuer.

Members of the Supervisory Board did not receive any payments relating to 2007 and related to their participation in this governing body of the Bank.

Information on 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 Human Resources 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 related to their participation in this bank management body 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, a decision was made to pay remuneration to 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 members of the Bank's Management Board for 2007, including wages, monthly and quarterly bonuses, remuneration based on the results of 2007, amounted to 891,112,187 rubles.

The amount of payments to members of the Bank's Management Board for 2008, accrued in the first half of 2008 and including wages, monthly and quarterly bonuses, amounted to 129,102,619 rubles.

Information on existing agreements regarding the payment of income (remuneration): Development of principles and criteria for determining the amount of remuneration of the President, Chairman of the Board and members of the Board of the bank is within the competence of the Human Resources and Remuneration Committee of the Supervisory Board of the bank. Payment of remuneration and compensation is carried out in accordance with the terms of agreements concluded with the President, the Chairman of the Board and members of the Board of the bank. There is no practice of paying commissions or other property representations to members of the Management Board in Sberbank of Russia.

5.4. Information on the structure and competence of the bodies controlling the financial and economic activities of the credit institution - 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 operations performed by the Bank.

The Audit Commission is obliged to:

Conduct an audit of the financial and economic activities of the Bank based on the results of activities for the year, as well as at any time on 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 Audit Commission of the Joint Stock Commercial Savings Bank of the Russian Federation (open joint stock society);

Assess the reliability of the data included in the Bank's annual report and contained in the Bank's annual financial statements.

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

Since the formation 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 Internal Control Service of the Bank is Acting Director of the Department of Internal Control, Audit and Audit - O.V. Chistyakov.

The Internal Control Service of the Bank is accountable to the Supervisory Board, the President, the Chairman of the Board of the Bank and the Board of the Bank.

The main functions of this service are:

Verification of the completeness of the application and effectiveness of the methodology adopted by the Bank for assessing banking risks and banking risk management procedures;

Checking the reliability of the functioning of the internal control system for 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 by external control and supervisory bodies, systematization of violations, errors and omissions in the work of the Bank's divisions identified during inspections, control over the elimination of violations, etc.

Information on the availability of an internal document of the credit institution - issuer that establishes the rules for preventing the use of official (insider) information.

In accordance with the requirements set by the Federal Commission for the Securities Market for professional participants in the securities market, Sberbank of Russia developed a "List of measures aimed at preventing the misuse of proprietary information in the course of Sberbank of Russia's professional activities in the securities market" dated August 20, 2003. No. 1151-r, agreed with the Federal Commission for the Securities Market on November 11, 2003.

Web page address: The text of the document is available on the bank's website -

Sberbank has completely overhauled its cybersecurity system to use artificial intelligence to protect customers' money and information from hackers who are using increasingly sophisticated methods of theft. How to protect money from cyber scammers, about blacklists of clients, "white" and "red" hackers, cooperation with the FSB and Interpol, robotization, reconfiguring ATMs to accept new banknotes and building a "smart city" in Moscow in an interview with RIA Novosti said the deputy chairman of the board Sberbank Stanislav Kuznetsov. Interviewed by Elena Medvedeva and Gulnara Vakhitova.

On New Year's holidays, people traditionally relax and lose their vigilance. What advice would you give to our readers on how to protect your funds from scammers and hackers?

First, we never call and tell our customers that their card will be suspended in an hour or two, so they need to take some action. If you receive such calls (they happen, unfortunately), then this is definitely the work of scammers.

My recommendation is simple - you need to hang up and call the call center. It will give you exact information of what is going on. Secondly, if you receive SMS messages that your card will be blocked and you are asked to call back on such and such a phone, then know that Sberbank does not send such messages.

Next, you can see from which number SMS messages come from. There are scammers who disguise themselves as bank numbers. Therefore, I recommend that you always carefully watch which number you receive SMS from.

How does Sberbank itself protect itself from hackers?

The first is the protection of the bank itself, the second is the protection of customers from attempts to encroach. All customers who have our application on their phones are protected from viruses that can steal money through mobile devices. We use an anti-virus program that updates protection against any virus in the world without the client noticing.

In terms of protection, we went even further: even if scammers posing as officials call you or send SMS messages about closing an account or a card with an offer to make a counter call, we have learned how to identify such operations.

So if our client voluntarily transfers information to fraudsters, including passwords, then with the help of certain specially developed artificial intelligence techniques, analytical measurements, we today hedge about 97% of such risk on the part of the client. This means that 97% of people whose money was stolen by scammers, Sberbank has learned to return the money back, that is, we do not allow their cashing out and transfer to the scammer's account.

How does Sberbank develop relations with hackers?

There are bad, but there are also good hackers - "white" and "red" who look for and help eliminate vulnerabilities. We have our own teams of "white" and "red" hackers. They specifically test our systems - both openly and covertly. We have put this on an industrial scale, at the stages before implementation, during implementation and after. These are the requirements of modern standards. We must stay ahead of the "innovative" attempts of bad hackers and build the right defenses for ourselves.

- How many white hat hackers does Sberbank have?

This is a small division, which includes highly qualified specialists in the field of cybersecurity.

- How does the bank cooperate with law enforcement agencies in the field of cybersecurity?

The level of our interactions with both the Interior Ministry and the FSB is very high today. We recently held a meeting with the Ministry of Internal Affairs, with the new head of the BSTM (Bureau of Special Technical Measures), General Mikhail Litvinov, and discussed joint information exchange activities that could lead to a serious reduction in crime and fraud in our country. We have accumulated a lot of data about scammers. We expect concrete and very effective work of the operational units of the Ministry of Internal Affairs of our country to detain such criminals. The scale is growing, this needs to be done.

After all, Sberbank also cooperates with Interpol in the field of cybersecurity…

We have a bilateral agreement with Interpol, under which we exchange information and engage in practical interaction. In particular, about a month and a half ago, Interpol asked us to help in the investigation of a fraudulent subnet that fell into their visibility zone. Four specialists from our subsidiary "Bizon" as part of the Interpol Global Complex For Innovations group helped to unravel this criminal network in a few days, discovered the criminals in China, and passed all significant information to Interpol employees who used it to carry out operational activities.

- How many criminal cybergroups are there in Russia, in your opinion?

According to our calculations, today there are about 800-900 scammers who are engaged in crimes on a permanent basis using social engineering methods across the country. But those are just the ones we see.

How do hackers operate?

They introduce viruses into software that steal information, supply false documents, and control operating systems. The last group of viruses is the most modern and most dangerous. When such a virus is installed in the operating system of a credit institution, it can remove all of its funds.

- Do you expect an increase in the activity of hackers?

We are always ready for it. In 2017, we repelled about 40 major DDoS attacks on the bank, but we don’t see much activation. All our defense perimeters detect any activity in this area in advance. In principle, today we have learned how to defend against this type of attack.

- How can you assess the situation on the market? What losses from hackers are Russian banks?

The losses are colossal. If we talk about Sberbank, in 2017 our cybersecurity service stopped more than 300,000 attempts to steal funds from individuals and legal entities, both directly using social engineering methods and using virus software, and prevented damage in the amount of more than 20 billion rubles. For comparison: in 2016, attempts of theft in the amount of about 16 billion rubles were prevented.

Did Sberbank suffer any losses from hackers in 2017?

We have zero losses in the bank, this is our KPI. This task was set before us by the board of the bank, and all the processes that are being built in the bank today are aimed at completely eliminating such a possibility. At the same time, for various reasons, we have learned today to detect attacks on our customers and partners. In such cases, we immediately warn companies, the FSB and the Central Bank.

We are also completing the creation of a special platform that will protect banks and companies from any attacks. In February-March, we plan to launch a full-scale cyber insurance business. The cost of this service has not yet been discussed, but we will offer the market several products in this area.

Does Sberbank encounter counterfeit banknotes at ATMs? In particular, with the new denominations of 2000 and 200 rubles?

As for banknotes with a new denomination, we have never recorded any fakes. In some cases, very rarely, we fix glued banknotes.

Five thousandths mostly?

Basically yes. They appear in specific ATMs, and we are interacting with manufacturers who are currently taking protective measures. In a very small part of ATMs today, manufacturers have not yet installed additional security measures in the settings.

- How did Sberbank prepare to accept new banknotes of 200 and 2000 rubles?

In the pre-New Year period, we decided not to reconfigure ATMs.

- To avoid failures?

So that there is no drawdown in the readiness of the ATM network. This is a coordinated position with the Central Bank, and, in fact, other banks have made the same request, according to our information. At the same time, new banknotes are accepted everywhere, and in January we will basically complete the reconfiguration of all self-service devices for them.

Will the reconfiguration for new banknotes be 100% by the end of January?

According to our calculations, about 90%. The remaining 10% are distant regions. During January we will complete this process. There are some regions where specialists need to be delivered by air.

- What are the reasons for failures in transactions with Sberbank cards in December?

Today we are carrying out a colossal transformation, creating new infrastructure products and implementing them. We have a lot of systems, apparently, some mistakes were made with new implementations, and this is the price of the speed of change. For each failure, a special investigation is carried out.

If a failure occurs, our situational center fixes the stop of some process, the number of calls to the call center increases and the reason is established. Next, the system is transferred to a fallback version of work. We call it stand-in. This happens very quickly. Everything is transferred to another phase, and clients should not guess that we have some deviations. In your understanding, failures are when "everything has stopped", and in our understanding, failures are when the speed of either service, or transactions, or some other indicator has deviated by a percentage. We monitor any quality metrics of our transactions.

Will the launch of the first stage of the new Data Processing Center in Skolkovo help prevent failures?

Undoubtedly. So that you understand what the "first stage" is - these are four modules out of five. These are the main design decisions.

- How actively is Sberbank involved in the robotization process?

A robotics laboratory has appeared in Sberbank, we have very big plans. Now we are developing in this direction in different directories: it includes both android and non-android robots.

- How realistic is it to replace people in call centers and branches with robots?

It's not that robots will stand behind the cash register and serve customers, we have the opportunity to robotize our processes. For example, in Odintsovo we are currently completing the creation of a very small office in a shopping center, which will test the most modern technologies using these approaches. There will be no classic cash desk - customers will receive money through self-service devices. If you need to speak to our employee manager, you can go to the appropriate device, press a button, and you will see a pretty girl who will answer any of your questions. There will be employees who will help people get used to new technologies.

Assistants like Siri or "Alice" do not fully understand people yet. Are you talking about something like this?

So far we are talking about a living person who will sit on the other side of the screen. She will be able to work for Vladivostok, Kaliningrad, and Moscow.

- And when will Sberbank actively start using drones?

We are doing this work in different areas, our drones will be multifunctional, and we are optimistic about the future.

- How does the bank solve the problems of clients who were mistakenly blacklisted on suspicion of money laundering?

There is a problem. But our analysis shows that out of a hundred such companies, there are a few random ones. We have a compliance division, where specialists check and in a very short time, literally in two or three days, make a decision to unblock the account if this is a decent and conscientious client. We believe this policy is correct: the risks are very high, both legal entities and individuals can suffer from this.

Now many companies are building new modern complexes, and their management is moving there. Does Sberbank have such plans?

We are seriously considering the implementation of the Smart City project (smart city. - Ed.) on a 460-hectare site along Rublevsky Highway in Rublevo-Arkhangelskoye, which belongs to Sberbank. Over the next year, we will take active steps to implement it. The decision to move the management of Sberbank there has not yet been made. After all, it takes one and a half to two years to design a building, and another two to three years to build it. But we do not rule out that we will eventually move there.

It will be the implementation of the most modern developments, a comfortable environment for work and life. We have already signed a decree of the Moscow government on the implementation of this project on the river bank. There will be subways, kindergartens, schools - all of this is of a completely new level. Now, together with the Moscow City Hall, we are creating the infrastructure of the complex.

- What is the cost of this project?

We don't think it's a very expensive project. We have a payback point, we have held test negotiations with all major construction companies, and they are all very interested in participating. There is already a planning plan for the territory, it has been approved by a decree of the Moscow government. It was developed by the winners of the competition - a company from Germany.

The traditional "Green Marathon" of Sberbank, which is held at the end of May 2017, was held in partnership with the Naked Heart Charitable Foundation of Natalia Vodianova in Moscow. What will happen in 2018?

We have already begun preparations for the next Green Marathon, for us this is a big and necessary project. I personally ran 1211 kilometers this year.

We are close to the logic, ideology, policy of the Naked Heart Foundation, and we associate this project with this foundation.

In 2018, we will not hold it in Moscow on the territory of Moscow State University, now we are waiting for a decision to start on Vasilyevsky Spusk. We also want to definitely hold this marathon in all major Russian cities, the exact number is being specified now.

The topic of cybercrime has been firmly entrenched on the agenda in the past year. There have been high-profile accusations against Russia of meddling in the U.S. election process. Concerns have been raised about possible cyber attacks on the largest national banking systems. Much of this could have been prevented or stopped at an early stage, provided that all interested parties maintain a prompt exchange of information about recorded attacks. Until recently, Russia has remained a passive participant in the exchange of information on cybercrime due to the lack of relevant domestic legislation. Stanislav Kuznetsov, Deputy Chairman of the Board of Sberbank, spoke about the results of the discussion of this topic by the participants of the World Economic Forum in Davos in an interview with TASS.

- Stanislav Konstantinovich, as part of your agenda at the forumwhat results were achieved on the first day, what remains to be done?

Yesterday we discussed the topic of cyberterrorism in the digital age and the risks that accompany it, today - concrete steps to exchange information. Cybercrime is transnational, and it is completely pointless for each of the countries separately to organize separate investigations, which will definitely lead to a dead end due to a lack of expertise. Today, the "Guidelines for the organization of the exchange of information on ensuring cybersecurity" were tentatively signed. These are recommendations prepared for almost all public public institutions and private companies around the world. In fact, these are recommendations addressed to the entire world community.

- With whom are you conducting a dialogue in this direction and what is the role of Russia in the agreement?

The meetings I had today with Jean-Paul Laborde, Executive Director of the UN Counter-Terrorism Committee, as well as the Director General of Europol and one of the heads of the Interpol Cybersecurity Center in Singapore, show that there is a great desire on their part to cooperate and exchange information. Russia is now unable to fully participate in information exchange, as it has not ratified the only international legal instrument regulating this process - the European Convention on Crimes in Cyberspace of 2001. Its provisions on the right to investigate on the territory of other countries cause understandable concerns among our law enforcement agencies. We discussed the possibility of clarifying and supplementing them, taking into account what is happening in the world now, and the peculiarities of our legislation, and our lawyers see good prospects for joining the convention.

The banking system of Russia was attacked not by people, but by several tens of thousands of so-called Internet things - equipment that has access to the Internet, up to irons

There were also pessimistic statements concerning mainly the bureaucratic barriers typical for the whole world. In Europe, in the USA, they have even more powerful roots than ours. But I look to the future with great optimism.

- We are talking about countering international cyberterrorism at the global level, but if we touch on the topic of our legislation, what needs to be improved here in order to reduce the damage from cybercrime?

The most important thing is that our legislation does not contain the term "cybercrime", which the whole world has been using for a long time. To our great regret, there is no such legal term as "theft from an electronic account".

We are taking too long to adapt our legal toolkit, while in the extremely fast-paced world of cybercrime, we need a toolkit for even faster response changes. But if earlier we were just talking about this, then last year we had more and more active supporters in law enforcement agencies, various ministries and departments who understand the need to bring legislation in line with the tasks of ensuring protection against cyber threats at the national level.

- What exactly was done?

Draft amendments to article 158 of the Criminal Code of the Russian Federation submitted to the State Duma ("Theft" -Note. TASS), which introduce such a crime as "theft of funds from an electronic account." In December, another bill was also introduced to regulate relations related to strategic infrastructure. (a package of bills "On the security of the critical information infrastructure (CII) of the Russian Federation." - Note TASS). It lays the foundations for a systemic counteraction to cybercrime. Comments on it should be collected before the end of January.

Because Russia is now target No. 1, where target No. 1, in turn, is Sberbank

We need a new organization of interaction between state institutions and large commercial structures, which today accumulate a large amount of data on cybercrime. The ability to timely exchange such information will allow you to quickly build protection for those who lack the appropriate competencies. For example, we at Sberbank have gained vast experience in countering DDoS attacks (Distributed denial of service attack. -Note. TASS), including understanding their technical features. The attacks organized in November were unique even by world standards. The banking system of Russia was attacked not by people, but by several tens of thousands of so-called Internet things - equipment that has access to the Internet, up to irons.

- Sounds like a fantastic spy movie.

This, unfortunately, is already a reality. The layered system of protection of large credit institutions survived, but a number of banks were forced to suspend work in order to "regroup." This is life, we must prepare for this, and the prompt exchange of information with us about the features of each specific attack is what is in demand not only by Russian, but also by foreign colleagues. Because Russia is now target number 1, where target number 1, in turn, is Sberbank. We have experience that we are ready to share, including within the framework of the Davos forum.

Obviously, attacks from the "Internet of things" will be more massive. Unfortunately, the theft of information - both personal, commercial and official, including information about developments, will continue through the distribution of phishing emails.

For example, when in December the Federal Security Service (FSB) warned of possible attacks on the Russian financial system, it made it clear that it sees the peculiarities of these attacks and understands who and from what centers is preparing them. This message played a key role in preventing damage. We then received a lot of technical information, which was instantly transmitted to the FSB and the Ministry of Internal Affairs, and other banks did the same. Its comprehensive analysis made it possible to draw several conclusions, which the FSB also spoke about. The first is that the attacks were carried out from distributed servers in different countries. Therefore, it is impossible to talk about the "authorship" of this or that country: it is just this or that location of the servers. Another conclusion was related to the fact that if not the organizers, then the command center (these are different things) of the alleged attack could be located on the territory of Ukraine. These statements were based on a detailed analysis of very different information obtained by the FSB from financial institutions.

- In your opinion, what trends and main threats will be relevant this year, what components of the technological infrastructure will need to be adapted in order to successfully cope with this?

Good question, the answer to which must begin by acknowledging the fact that, unfortunately, we are still late. Cybercrime is developing much faster than cyber defense. And this is a tribute to the time, which dictates the requirements for changes within oneself, in the system, in the country as a whole.

The main threats will come from traditional attacks and DDoS attacks. They will definitely continue, their technical implementation will change - in order to select ways to bypass protection. Obviously, attacks from the "Internet of things" will be more massive. Unfortunately, the theft of information - both personal and commercial, and official, including information about developments, will continue through the distribution of phishing emails. (Attackers send out emails that look like popular branded emails, bank notices, or social media and messaging messages. Users open the links they contain, click on pictures, banners -and infect a computer or mobile phone with a virus that "steals" information that allows attackers to gain access to account funds. -Note. TASS).

The direction that generates the greatest risks is the development of viruses that allow attackers to gain access to the management of IT systems of various companies. They are usually aimed at financial companies, but now we are very close to the emergence of similar risks for the IT systems of enterprises in other industries, including energy, aviation, defense and nuclear industries. I know of cases where hackers, trying to steal money, accidentally entered the control systems of dispatch services ...

- Wow "accidentally".

It really was not their goal, but if you imagine that someone could do this purposefully, it becomes clear that the adoption of a law on cyber protection of the infrastructure of the Russian Federation is absolutely necessary. In addition, hackers will continue to look for gaps in the IT systems of banks that use outdated technologies, such as cards without a chip, with a single magnetic stripe, old models of ATMs, or outdated software.

- We talked about technology, but there is also the human factor.

Yes, and in Russia, probably more than anywhere else, crimes committed using the methods of "social engineering" are widespread. Attackers gain confidence in customers, and they provide them with passwords to accounts in online banking systems, PIN codes for cards, and other information. The most vulnerable category is the elderly. They trust people who call them on the phone, pretend to be social security services, the Pension Fund, government agencies and even the security services of Sberbank and talk about some kind of failure, data loss, which allegedly created a threat to lose the money stored in the bank. The message of the criminals is "Right now, urgently dictate the data to us, and everything will be fine again." In this case, it is necessary without remorse to hang up, no matter who the caller introduces himself to, and immediately call the bank's call center, where they will always tell you what is happening, what to do in this situation, and, if necessary, strengthen protection and save your money.

- If we talk about specific figures characterizing the results of Sberbank in the field of cyber defense, what are you ready to announce now?

Since there is no need to wait for a sharp increase in vigilance among older clients, we have created a fraud monitoring center that monitors anomalous activity and prevents attempts to withdraw money. On average, we fix about five thousand such incidents a week, and after the crime is actually committed, we fix and return up to 400 million withdrawn money unnoticed to customer accounts. We prevented about 14 billion rubles of losses, but these are not 100% of incidents, but 95–96%. It is impossible to achieve 100% efficiency here, but we show the maximum: on average in the world, the return is 82-84%. For the remaining 4–5%, we are investigating. If we see that the damage is due to at least a partial defect on the part of Sberbank employees or the imperfection of our IT systems, we always return the money. At the same time, as a result of deliberate misconduct by employees, not a single ruble left the clients' accounts.

We have also achieved the complete absence of interruptions in the operation of the bank's systems during DDoS attacks, thanks to the created layered protection system. The year before last, shutdowns ranged from 50 minutes to several hours, last year we saw 0 minutes of shutdown of any of the internal systems.

- To summarize -when will the number and cost curve of cybercrime go down?

When will law enforcement agencies have the tools to prosecute such acts. It is no secret that practically no criminal cases are initiated for the crimes we prevent, since there are no legal grounds for a systemic fight against them. Amendments to the Criminal Code, combined with a common database of incidents and relevant expertise, will create such a basis. We can identify fraudsters and stop them, we see their phones, we know bank card numbers and customer phone numbers, but automated channels for exchanging this information between banks, telecoms, and law enforcement agencies have not yet been developed. It is necessary to create a closed database where all, including negative, information about such operations will be collected.

Attackers gain confidence in customers, and they provide them with passwords to accounts in online banking systems, PIN codes for cards, and other information. The most vulnerable category is the elderly

It is also very important that both we and our clients live in the same information field, in the same cyber culture rules, when you just need to stop or at least check calls with messages about various emergencies.

We talked Andrey Korzin and Maria Rumyantseva

Magomed Bilalov switched the springboard to "watching Sochi" under German Gref

The 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 reprimanded the Vice President of the Russian Olympic Committee Ahmed Bilalova for the disruption of Olympic construction projects, from Bilalov and his brother Magomed big trouble started. The brothers had to leave Russia, Magomed sold his shares in Krasnaya Polyana OJSC (which built the Gornaya Karusel tourist complex) and the National Bank for Business Development. But the Russian investigation wants to reach out to them abroad as well. To Akhmed Bilalov criminal case 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 interrogate 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 construction, how he is going to resist the attack of the investigation, and what he will spend the money received from the sale of 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 the 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. For a long time he 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 quit the company because of a scandal, as 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-general director of the North Caucasus Resorts. - Slon) and many other managers I regard simply as a tool of pressure. The team of investigators that was sent to pursue 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 for interrogation in Moscow. 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 really want to establish the truth, then I will answer all questions, and it is not necessary to do this where there is an entrance, but no exit. For example, in the Russian embassy in London. Moreover, the events with Stanislav Khatskevich show that those who summon me for interrogation do not really want to understand, the task is the same - to deprive me of the opportunity to defend myself.

- So you will apply for asylum in the UK?

If classical 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 appear 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 27,000 Russians applied for political asylum.

Your brother Akhmed Bilalov is also abroad, although no charges have been brought against him yet, despite checks at the KSK, where he headed the board of directors. Will he also apply for asylum?

Everything related to my brother, it 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 a few more months. (Ahmed Bilalov told the media that he was still in the middle of 2012, but was hospitalized in one of the German clinics two months after the inspection 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, by your actions caused damage to another shareholder and creditor of the company, Sberbank. How was the published amount of damage of 45 million rubles calculated?

Where this amount comes from, one must ask the investigators or those who brought them a ready-made decision on the criminal case. But in order for you to understand how events unfolded, 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 contract amount. It was earmarked funding: we couldn't spend that money on other properties in 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 deposit these funds at 7-8% per annum in the National Bank for Business Development. It was market interest. 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 as far back as 2005. For example, for the purchase of ski lifts for the second phase of the resort. The cost of each such lift is about €15 million. The NBB Krasnaya Polyana also issued loans to pay taxes and to develop the company. The NBB, lending to the Olympic facility, took a big risk, and the bank's shareholders never received dividends. In this regard, statements that I, being a co-owner of the NBB, earned 45 million rubles on Sberbank deposits and loans from Krasnaya Polyana are an open lie. The absurdity of the 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 to say, for example, that German Gref thus profiting from depositors - it means to question the essence of the banking business.

All these transactions are interested party transactions and must be approved by the board of directors or the general meeting of shareholders.

By the size of the transaction, which we are now talking about, are within the competence of the board of directors (from 25% to 50% of the value of the company's net assets). All transactions were agreed, in the documents of Krasnaya Polyana on obtaining loans from the NBB there is the 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 has the right by law to protest the transactions within a year, but this was not done. The case of deposits and loans is within 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 the inspection of Olympic construction sites, was extremely dissatisfied with the timing of the construction of 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 the FIS certificate - the International Ski Federation, and several stages of the Ski Jumping World Cup were held here just in time. We have 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 for putting the facility into operation 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 me, as a co-owner of Krasnaya Polyana. Therefore, the subsequent statements of the Deputy Prime Minister about "comrade Bilalov", when he meant Ahmed, 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, back in May, Vladimir Putin asked Dmitry Kozak at a meeting in Sochi why we now have Sberbank as the main ski jumping bank in the country.

- There were also rumors that the springboard was not properly designed. Were there any mistakes with the choice of location?

The landing site for the ski jumps was chosen by the IOC. As for the talk that something was designed wrong or the place is bad, I think it is akin to those fairy tales that the project was not delivered on time or it 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 has passed three state chief state expertise, which also did not reveal any problems. Therefore, I think that before publicly arguing that the springboard project was “designed as for the enemy”, one must at least have at least a minimal idea of \u200b\u200bbuilding.

- What led to the increase in the price of springboards, 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 price was due to increased requirements from the FIS and the Organizing Committee of Sochi 2014. All the money for the construction is the funds of shareholders, some of which was attracted in the form of loans. The amount of 8 billion rubles, which is now called the final amount of springboards, is false, and the president was deliberately lied to. The sports facility itself still costs 4 billion rubles. Another same amount is the budget for the creation of protective structures for ski jumps and the road to them. The Olympstroy state corporation was initially responsible for these facilities, which was confirmed 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 state 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 a meeting with 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 supervising Olimpstroy 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 has never passed 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 country's main bank that had to pay state obligations. For the project, this meant the end of business.

- Did you have a personal conflict with Dmitry Kozak?

We did not have any conflicts with Dmitry Nikolayevich, he sometimes made harsh remarks to us. I agreed with something, 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?

I told you several times the name of Sberbank Vice President Stanislav Kuznetsov, who is personally in charge of the project in Krasnaya Polyana. My brother Akhmed and I have known Stanislav for at least seven years, when he was still head of the department of the manager 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 is well aware that his vigorous activity may raise questions not only from the president of Sberbank German Gref, but also from depositors and shareholders of the bank.

- What are these questions?

For example, why Stanislav signed a general contract with the Turkish construction company Sembol. This is how we started an open conflict with him. Sembol builds for about $3,000 per sq. meter. I resisted this, explaining to him that our contractors were building for $1.5-1.8 thousand per sq. m. meter. After the state bank took control of the project, the economics of construction fell sharply. Over the year, the project estimate, including commercial real estate in the resort, has grown from 40 billion to 82 billion rubles. The result is forever irredeemable real estate, which today is being built at the expense of depositors of the country's main bank. I do not rule out the possibility of filing lawsuits in international courts against the structures of Sberbank on 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 to send statements to the Russian law enforcement agencies in the near future 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 prominent 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. Until that time, the general public didn’t really know me. As I understand it, a person with a well-known name should have been 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 what happened. For example, newspapers wrote that Akhmed's problems began 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 the objects built with budget funds could be transferred. According to the media, it was proposed to appoint the KSK to manage the zone. Your colleagues concluded that some of the officials, who could lose 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 Olympic Games investors.

- You sold your remaining third of Krasnaya Polyana Mikhail Gutseriev, in his own words, for $ 20 million. Did you point out the figure of the co-owner of RussNeft?

Our family has known the Gutseriev family for a long time. When we had difficulties, he offered to help. He, too, at one time faced similar problems. Why Mikhail Safarbekovich needed my package of Krasnaya Polyana, I don’t know, but I’m sure he definitely didn’t lose. Now about the share price he paid me. At first, he publicly spoke about $20 million, then, a month later, about $400 million, but in reality the order of numbers is different. I promised Gutseriev not to disclose the amount.

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

I don't name a price. The conditions under which I sold my shares in Krasnaya Polyana and the National Bank for Business Development cannot be called market conditions. I got some money - it's already good. [...]

["Kommersant", 27.04.2007, "The militia knows the Sochi buy-in": The government yesterday published a decree appointing Stanislav Kuznetsov, head of the department for managing the affairs of the Ministry of Economic Development and Trade, 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 oversee all the "Olympic" programs of the Ministry of Economic Development and Trade worth a total of 314 billion rubles. [...]
Stanislav Kuznetsov was born on July 25, 1962 in Leipzig, East Germany. In 1984 he graduated from the Military Red Banner 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, has the rank of colonel. From the post of 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 the manager of the Ministry of Economic Development and Trade. [...]
Quite a bit is known about Mr. Kuznetsov himself, despite the fact that Stanislav Kuznetsov accompanies German Gref during most of his visits to the regions and has attended most of the open meetings at the Ministry of Economic Development and Trade since 2005, however, in rather small posts. As a source close to Mr. Kuznetsov told Kommersant, he had long claimed the position of German Gref's deputy and was even "upset" when Kirill Androsov became 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 penny in Sochi would be misused. It should be noted that Kommersant sources report that Mr. Kuznetsov was friendly with the ex-head of RosOEZ Yuri Zhdanov. Despite the fact that he came to the department with the same mission, this did not help him 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. - Inset K.ru]

["Kommersant - Guide Sochi", 09/15/2010, "The Olympics have already begun for us!" :
guide: You, following German Gref, moved 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 transition to Sberbank related to the Olympics?
Stanislav Kuznetsov: No, my transition was not directly related to the preparation for the Olympics. One phase just ended and another began. Looking back, I can honestly say that the team led by German Gref at the Ministry of Economic Development was unique and did 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 truly a national project, around which the whole country is united, and, as it seems to me, not a single large company can remain aloof from such a project. This is exactly the case when you need to help, participate, build, take certain risks. As bankers, we like 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. - Inset K.ru]

02.11.2019

Magomed Bilalov switched the springboard to "watching Sochi" under German Gref

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

Anton Zhelnov

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

- So you will apply for asylum in the UK?

Your brother Akhmed Bilalov is also abroad, although no charges have been brought against him yet, despite checks at the KSK, where he headed the board of directors. Will he also apply for asylum?

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.

All these transactions are interested party transactions and must be approved by the board of directors or the general meeting of shareholders.

- There were also rumors that the springboard was not properly designed. Were there any mistakes with the choice of location?

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

- Did you have a personal conflict with Dmitry Kozak?

We did not have any conflicts with Dmitry Nikolayevich, he sometimes made harsh remarks to us. I agreed with something, 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?

- What are these questions?

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

- You sold your remaining third of Krasnaya Polyana Mikhail Gutseriev, in his own words, for $ 20 million. Did you point out the figure of the co-owner of RussNeft?

Recent cyber-attacks have shown the vulnerability of corporations and public services to Internet scammers. How to secure the funds in your accounts, why it was not possible to immediately recognize and block the spread of the Wannacry virus, why a cyber credit history bureau is needed, why a bank needs self-learning android robots, when face-recognizing ATMs may appear, in an interview with RIA Novosti on the eve of the St. Petersburg International Economic 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 be, in my opinion, 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 invited a star team (I don’t want to name names 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 discussion at the forum can become a platform for discussing new ideas and approaches in the development of the country. It seems to me that many forum members will use this particular platform to test them.

Of course, we will also hold our traditional Sberbank Night reception, and on June 2, the Sberbank Breakfast. This year, its theme is very simple and probably the most fascinating of all, because it is related to what Russia will be like after May 2018. The discussion there is supposed to be sharp, and German Gref will be its moderator. Interest in participating in the breakfast from all top officials is huge, the event will be broadcast live.

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

You said that people would come to the forum who would feel at their fingertips how the world is changing. In your opinion, how is the world changing, what technologies are the future behind, and what is Russia's place 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 stunning. Russia has huge reserves here, we do not always assess them clearly, sometimes we underestimate, sometimes we 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 stance on the introduction of new technologies, on the creation of various laboratories, artificial intelligence. But everything is changing at an enormous speed, perhaps it does not take years or months. These directions can be fantastically breakthrough. 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 questions out of 100 and have the opportunity to self-learn. 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 testing the delivery of small cargoes by drones. The launch of this project is only 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. Now a lot rests on the enthusiasts who caught fire with these projects. I am sure that much more needs to be invested to achieve tangible results. While we are at the beginning of the journey.

Do you plan to use face recognition technologies and other latest developments for daily use, for example, in 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 areas that no one used before, including in banking. But this is a question of the future, as long as it is at the level of ideas.

- Is the future counted in 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 area will definitely be included in our new strategy for 2020, which is currently being prepared and will be presented to the Supervisory Board in the autumn.

Today, many countries and companies are investing in so-called identification technologies. This, on the one hand, is the key to reducing many procedures and simplifying 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's behalf - uses someone else's card, has a fake certificate, and so on. As soon as we clearly determine 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 are developing such recognition systems ourselves, and are also 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 Russia.

As for cybersecurity, there is a very good trend in our country - more and more structures and government institutions are beginning to clearly understand the price 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 today the speed of change. A certain monotonous development of the situation does not correspond to the speed of changes and the emergence of new cyber risks.

- How to change the situation?

I advocate the speedy creation of some kind of technological platform where credit institutions and telecom companies could exchange fraudulent information. Today, at the country level, unfortunately, there is no such platform. 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 any bank that is blacklisted, in the stop list of the bank itself, tomorrow can be used in Sberbank and in any other bank, but we do not know anything about this stop list. This is actually a bureau of cyberhistory.

The system may contain information on both accounts and fake passports. We raised this problem in the Central Bank, we were supported, but the rate of change is extremely slow. We all need to change much faster. We have started testing some elements of this system jointly with a number of banks. We have results. I would like to quickly unite to share 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 rights. As for the regulator, there can be different models here. He may be inside, but it would be more correct to give the regulator special access, he must see everything, only control according to special signs. Law enforcement agencies and special services should have special access. I am sure that other areas, including industry, will come to similar platforms, and maybe everything will be on a single platform. Today, scammers take advantage of the lack of such tools. Unfortunately, the state, and corporations, and small businesses cannot be guaranteed to be protected from cyber fraud. And our country may lose this race if it does not acquire the necessary speed of change. Such a system should be built on the basis of blockchain technology.

- How secure is the blockchain system?

This is a different principle of operation. This is the simultaneous registration of the same information for everyone. For example, we all simultaneously had the knowledge that this pen is silver in color. If you change the information with me, then it will remain with you. Any attempts to influence one person are impossible, to change the general knowledge is also impossible. The reliability of these approaches is close to 100%.

How far has Sberbank managed to advance in terms of 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 fixed the fact of withdrawal of funds and stopped the fraud. Our target for this indicator is 94-95% for the 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, criminal cases are rarely initiated on these facts. This worries us a lot.

- Why did such a situation arise?

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

- Is the image of a hacker changing? Are there new countries - sources of cyber attacks?

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.

- Last year you said that Russia is the main 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 allows cybercriminals today to operate quite freely in our space. Most of the attacks come from the shadow internet, which is quite difficult to counteract.

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

First advice: do not answer any calls. If they call you and pretend to be the security service of a bank or call center and tell you the bad news that your card is blocked, but it can be unblocked without coming to the office, provided that you call a certain number, these are definitely scammers. If you receive an SMS where you are asked to just call by phone and everything will be in order in your life, these are definitely scammers. You need to contact the bank's call center and make sure that no action has taken place.

Expert about the "creators" of WannaCry: in the US they are trying to "take fire" away from themselvesAmerican 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 Bukshtein commented on these assumptions on Sputnik radio.

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

A lot has been written in our press about the latest Wannacry attack, but this is again related to 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 analyzing cyber threats in the world. If global distribution has passed, then one point should appear in the world, where all information about the threat of realized risks flows. If this is not the case, then the threat will be impossible to stop. I'm not sure about state institutions, but there is definitely no such center at the level of commercial structures. When commercial companies in Russia were cyberattacked, they had no instructions to forward this information to any one think tank and no one received any advice on how to proceed. This is very sad and makes us think about urgent measures to hedge these risks.

We behaved in a completely different way, deciding to turn around to face the problem: we detected the attack among the first, immediately informed the Central Bank, special services, and the Ministry of Internal Affairs about it. Then we spent several hours analyzing all our systems, including those in child structures, to make sure that this did not affect us. We reached out to those companies that were highly 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 possible help. Within a few hours, we created a utility that allowed us to identify infected devices and check the infrastructure for vulnerable hosts. Throughout 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, for free.

This attack should be very carefully analyzed both at the state level, and at the level of special services, and at the level of large corporations. The conclusions must be drawn very serious, because such attacks can be repeated, modified, and we must learn to counteract them.

- Is it really possible to find the organizers of Wannacry?

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

1984 Military Red Banner Institute Military-political, foreign languages Officer with higher military-political education, translator-referent 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 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 in 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 the Treasury
01.01.2006	31.05.2007	CJSC "International Moscow Bank"	General Manager, Head of 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 VIKTOR MIKHAILOVICH, born in 1974

Information about education: Higher

1996 Tashkent Electrotechnical Institute of Communications

Automatic telecommunications

Automatic telecommunication engineer

2001 Moscow State University of Economics, Statistics and Informatics

Finance and credit

Economist

Positions currently held, including part-time:
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 Chief Information Officer, 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	IBM Eastern Europe/Asia LLC	Deputy Director
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

17. Surname, name, patronymic, year of birth: Pesotsky Vladimir Filimonovich, born in 1940

Information about education: 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)	Chairman

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,002%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

18. Surname, name, patronymic, year of birth: RYBAKOVA GALINA ANATOLYEVNA, born in 1956
Information about education: 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)	Branch Office Director
Positions held over the past five years, including part-time jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.
Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,003%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

19. Surname, name, patronymic, year of birth: Salonen Ilkka Seppo, born in 1955
Information about education: Higher 1981 University of Helsinki regional studies Regional expert Master of Political Science in Economics and Statistics
Positions currently held, including part-time:
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 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	LLC Managing Company Renaissance Capital	The president
Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

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

Information about education: Higher

1973 Voronezh State Pedagogical Institute

High school physics teacher

1982 Voronezh Polytechnic Institute

Economics and organization of the engineering industry

Economic Engineer

Stake in the authorized capital of the credit institution - issuer	0,01%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,01%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

21. Surname, name, patronymic, year of birth: Sundeev Vladimir Borisovich, born in 1961

Information about education: Higher

1984 Leningrad Higher Marine Engineering School. Admiral S.O. Makarova

Arctic faculty, meteorology

Meteorological engineer

1997 Institute for Retraining and Advanced Training 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

22. Surname, name, patronymic, year of birth: SUKASEV LEONID MIKHAILOVICH, born in 1953

Information about education: 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation was introduced.	No

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

Information about education: 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 jobs (in chronological order): have not held other positions, except for those held, over the past 5 years.

Stake in the authorized capital of the credit institution - issuer	0,003%
Percentage of ordinary shares owned by a credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0,004%
The number of shares of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the credit institution - issuer - for a credit institution - issuer that is a joint-stock company	0
Shares in the authorized (share) capital (share fund) of subsidiaries and affiliates of the credit institution - issuer	0
Shares of ordinary shares owned by a subsidiary or dependent company of a credit institution - issuer - for subsidiaries and dependent companies of a credit institution - issuer that is a joint-stock company	0
The number of shares of a subsidiary or dependent company of the credit institution - issuer of each category (type) that can be acquired as a result of the exercise of rights under the options held by the subsidiary or dependent company of the credit institution - issuer - for subsidiaries and dependent companies of the credit institution - issuer that is a joint-stock company	0
The nature of any family ties with other persons that are members of the management 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 (presence of a criminal record) for crimes in the field of economics or for crimes against state power	No
Information on holding positions in the management bodies of commercial organizations during the period when bankruptcy proceedings were initiated against these organizations and / or one of the bankruptcy procedures provided for by the insolvency (bankruptcy) legislation of the Russian Federation 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 reimbursement of expenses for each management body of the credit institution - issuer.

Members of the Supervisory Board did not receive any payments relating to 2007 and related to their participation in this governing body of the Bank.

The amount of payments to members of the Bank's Management Board for 2007, including wages, monthly and quarterly bonuses, remuneration based on the results of 2007, amounted to 891,112,187 rubles.

The amount of payments to members of the Bank's Management Board for 2008, accrued in the first half of 2008 and including wages, monthly and quarterly bonuses, amounted to 129,102,619 rubles.

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

The Audit Commission is obliged to:

Assess the reliability of the data included in the Bank's annual report and contained in the Bank's annual financial statements.

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

The Internal Control Service of the Bank is accountable to the Supervisory Board, the President, the Chairman of the Board of the Bank and the Board of the Bank.

The main functions of this service are:

Verification of the completeness of the application and effectiveness of the methodology adopted by the Bank for assessing banking risks and banking risk management procedures;

generalization and analysis of the results of inspections by external control and supervisory bodies, systematization of violations, errors and omissions in the work of the Bank's divisions identified during inspections, control over the elimination of violations, etc.

Information on the availability of an internal document of the credit institution - issuer that establishes the rules for preventing the use of official (insider) information.

Web page address: The text of the document is available on the bank's website -

For the past period of this year and last? 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 it is we who have the most clients and data that are of interest to attackers. Statistics confirm this: in the first quarter of 2019, Sberbank's Cyber Defense Center processed more than 12,500 suspicions of a cybersecurity 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, there were 19% more data breaches worldwide compared to the same period last year. In total, 6.5 billion records of user data were compromised worldwide, four times more than in the first quarter of 2018.

The number of distributed denial of service (DDoS) attacks 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, which is significantly more than in the same period last year. Moreover, this year the attacks have become more powerful and longer.

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

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

And I will name two more trends. First, criminal gangs are increasingly using complex attack scenarios tailored to a specific industry or even company. Second, cybercriminals are increasingly looking for indirect ways to gain access to an organization's infrastructure. To do this, they attack the "supply chain": instead of getting close to 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 in the world in 2018 increased by 78%.

Unfortunately, in order to penetrate the company's infrastructure, it is not always necessary to hack the software. It is much easier to “hack” an employee who, without knowing it, will lead the criminal to the necessary data. I'm 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. These 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 their 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 Cybersecurity Service of Sberbank 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 customers. How do you deal with it?

— Protection of our clients from it is provided by a fraud monitoring system based on artificial intelligence. It detects the vast majority of all fraud attempts. Thanks to this system, from January to May of this year, we prevented the theft of client funds in the amount of more than 13.5 billion rubles.

According to the results of the first quarter of 2019, over 80% of the total fraud against our clients was 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, under a plausible pretext (unblocking a card, compensation for spa treatment, etc.), to find out confidential information from a person: his bank card details, login and password to enter, for example, in " Sberbank Online".

We constantly carry out explanatory work, tell customers that under no circumstances should anyone, even a bank employee, be given any card details other than its number. We are talking about the fact that the pin code from an ATM and the password from Sberbank Online cannot be stored on paper.

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

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

But, unfortunately, the main part of fraud using social engineering is the so-called “self-transfers”, when the client independently performs and confirms the operation under the influence of a fraudster (for example, transferring an advance for a purchase from ad sites or social networks), and then contacts the bank with the claim that he was deceived.

The conclusion is obvious: only technical means, even the most modern and effective ones, cannot completely protect clients from "social engineers". Therefore, it is necessary to continue work to improve the cyber literacy of customers, to strengthen this area 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 takes place on both sides of the law. And one of the key components of this work is the exchange of information. This is always difficult: who wants to tell, even to a narrow circle of experts, that he was hacked, and even describe the process in all details? It's hard, but if you keep silent, everyone will only get worse. As they say, all companies are divided into those who have been hacked and those who do not yet know that they have been hacked. We are for the expert community to learn about such hacks as early as possible in order to prevent them in the future.

Of course, we are closely following everything that happens in the cybersecurity world, exchanging information with Russian and international partners, improving monitoring tools, and developing 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 to ensure that information cooperation becomes a well-functioning mechanism for all participants in the process: business, the state. And this cooperation must be international, it must be above any geopolitics and any bureaucracy. Otherwise, it will make no sense, because cybercriminals, unlike you and me, are not tied to national borders: they can attack any company and citizen of any country from anywhere in the world.

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

In Russia, we have already managed to form the main contours of such cooperation in the financial sector. For example, the cyberthreat data exchange platform, implemented under the auspices of the Association of Banks of Russia, 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.

On a global scale, there are also significant successes. The WEF Center for Cybersecurity (С4С), which was officially opened during the annual session in Davos in 2018, conducts its work. This is a unique platform for cooperation between representatives of the largest global corporations, leading players in the international cybersecurity market, and representatives of law enforcement agencies in order to develop a joint strategy to combat 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 foreign 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 is the study and analysis of malicious software, the investigation of cybersecurity incidents and a quick response to these incidents, the 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 for free - this can be compared with putting out a fire, when you need to respond 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 operation 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 cyber risk insurance products. For example, in 2017, the company included the risk of interruption in production as a result of cyber attacks in the insurance package for small businesses. During the first year of the program, about 3.5 thousand clients issued such policies, 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 bank card insurance product. For six months of operation, such policies have already been issued by about 2 million customers.

And I will give one more example: our Sberbank Online mobile application 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 has installed our application from the official store. Considering that Sberbank Online is one of the top 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 on the most labor-intensive operations, including round-the-clock monitoring and repelling every second cyber attacks. Today, both are carried out automatically - 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 to infiltrate the company’s systems, but also use it themselves to find vulnerabilities, carry out phishing attacks, bypass biometric authentication and protection, create malicious software, and guess passwords.

- One of the sessions of the International Congress on Cybersecurity is called "Secure Digital World - Future or Utopia?" In your opinion, is this the future or a 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 should develop legislation adequate to existing cyber threats. And from law enforcement agencies that will monitor compliance with it. And from citizens who, I am sure, will gradually learn to respond to cyber threats as sensitively as they do to threats in the physical world.

After all, relatively speaking, we 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 this. But at the same time, already now, by 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, I repeat, I see the key to success in cooperation and interaction, in the unity of all those who, just like us, want to make the digital world safe. That is why we are holding the International Cybersecurity Congress for the second year in a row with the participation of business, government, experts, IT specialists from all over the world. Therefore, “utopia” is just to believe that everything will “settled down” on its own. 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 let's break this dangerous trend together and look for an antidote to the plague of the 21st century - the cybercrime pandemic.

Stanislav Kuznetsov grew up in a military family. Born in Leipzig on July 25, 1962. He 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 a stake in the authorized capital of the bank and ordinary shares. In the interval between military service and banking activities, he held managerial positions in the government of the Russian Federation, was a member of various councils.

Career

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

After leaving the 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 a director in the department of administration 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 ministers to increase the number of deputies to five, in April 2007 Kuznetsov took the position of 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 is 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 Venues and the Development of Sochi as a Mountain Climatic Resort.

At the beginning of 2008, following his boss German Gref, he left the post of Deputy Minister on his own initiative. 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 Olympiad. But even while working at Sberbank, they both make a great contribution to the preparations for this event.

In October 2010, Stanislav Kuznetsov takes the next step up the career ladder. He, as 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 Unit, coordinates the bank's security departments, and manages the regional directorate of the cash circulation management center.

In the spring of 2012, Stanislav Kuznetsov became responsible for the Olympic construction at Sberbank, and for a certain period, he was personally present there.

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 the springboard complex and the 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.

Stanislav Kuznetsov was appointed to supervise this direction in the bank. 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 the contractors were not coping and not investing on time. His duties included both communication with the general contractor, as well as with local officials and independent experts.

Kuznetsov had to recruit a team of Sberbank employees to work as foremen at Olympic venues. Since the bank is not a construction organization, it was necessary to gather people from all over the country from real estate management units. At the peak moment, the size of the operational group under the control of Kuznetsov reached eighty people.

Thanks to well-established communication with local construction organizations, Kuznetsov managed not to fail the deadlines for the delivery of Olympic facilities, even when the Turkish contractor, initially chosen by the bank, let him down.

On the Promises.Ru promise control service, 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 will not limit the issuance of cash to its customers and will even increase the load of ATMs due to increased demand: “I can firmly state that Sberbank has not introduced any restrictions and does not plan to introduce them. Moreover, we we are ready for this situation of increased demand of the population for cash and we will provide any needs of the population for them so that people can get everything they want." Also, contrary to some panic rumors, it was promised that cooperation with Visa and MasterCard payment systems would not stop. The promises made by Kuznetsov turned out to be true.

Awards and Acknowledgments

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

So Sberbank itself can be called a platform for fraud, the ad service answered.

The Avito ad site is one of the main platforms for cyber scammers to work, Stanislav Kuznetsov, deputy chairman of the board of Sberbank, said at the Festival of Youth and Students in Sochi.

“The Avito website is actually one of such central platforms today for cyber scammers to act. There are many different crimes, many different types of crimes, - said Kuznetsov. “And by studying them, we actually dive into how they can very subtly find an opportunity to convince a person to do this or that action.”

Kuznetsov illustrated his speech with a slide showing exactly how scammers operate on Avito. The slide looked like this:

The deputy chairman of Sberbank did not stop there. As an illustration of the described scheme, he cited two audio recordings of calls from fraudsters and their victims to the bank's support service. In the first case, the fraudster was asked to confirm the personal data of the person he introduced himself as, which he failed to do and hung up. In the second case, the victim of the scheme calls the phone given to her, which belongs to a fake security service of the bank, and gives all the card details to the "operator" of this service - the number, expiration date and a three-digit CVV code on the back. “Here is a client instantly fulfilling all the instructions of a criminal, in fact a fraudster: tell your card number, tell this, tell that,” Kuznetsov stated.

Answers from Avito, Yula and Ozon to Sberbank's claims:

“Mr. Kuznetsov's statement to us is absolutely incorrect. Making such statements is like blaming the Internet for being the cause of cybercrime, an Avito spokesman said. “In this logic, we can make a similar conclusion that Sberbank is the main platform for fraud with bank cards, being the leader in their issue.”

“Nevertheless, given our leading positions in our industries, we are open to dialogue with Sberbank and are ready to cooperate in the field of security, regardless of this incorrect statement,” he added. The representative recalled that under the ads there is a “Complain” button, by clicking on which any user can report publications that look like fraudulent ones and send them to the moderator for consideration. Avito is constantly working on the development of security systems, his representative assured.

A spokesman for Sberbank declined to comment.

To moderate and search for suspicious ads on Yulia, artificial intelligence is used, which examines goods for suspicion, a representative of the online platform said. Most often, scammers try to play on the user's trust, convincing him to either transfer an advance for the goods or transfer card details, he added.

“Personally, we have not had similar cases when customer bank card data is stolen during payment on such sites, but such a problem does exist on the Internet,” said Andrey Kashirin, director of information security at Ozon. More often than not, brand awareness and the corresponding website design are used to sell low-quality products to customers, he added.

How to avoid becoming a victim of online scammers

According to the Central Bank, last year the fraudsters managed to write off 1.08 billion rubles from the accounts of citizens.

Sites like Avito have claims not only from Sberbank, but also from all other banks, Alexey Golenishchev, director of electronic business monitoring at Alfa Bank, noted: “The fact is that fraudsters steal money through these sites using a simple method of social engineering ".

Golenishchev described another scheme by which such scammers work. The client places an advertisement for the sale. He is contacted by a person who is allegedly very interested in the product. He convinces that he is very afraid that this product will be sold to someone else, and offers to make a deposit. To do this, he asks for a bank card number, to which many agree. As soon as the client calls the card number, an sms immediately arrives with a transaction confirmation code - but this is not a transfer to the card, but, on the contrary, a write-off from it. “Which few people pay attention to. Then the swindler convinces to call this code - and this money is transferred not to the client, but to the card of scammers, accomplices of the caller, who are on duty at ATMs with a phone and cash out the transferred money within a few minutes, ”says Golenishchev. It will not be possible to return them, since the bank's client himself revealed the secret code, he added.

“But it happens that banks notice suspicious transfers, contact colleagues from another bank, they block cards and accounts, preventing fraudsters from withdrawing stolen funds,” the specialist explained.

According to a representative of Alfa-Bank, there are many such schemes now - and not only with Avito, but also with electronic OSAGO, traffic police fines, etc.

Avito is the largest Russian free ad service. According to Mediascope WEB-Index, the audience of the service on mobile devices and personal computers exceeded 21 million people (data for August for the audience aged 12 to 64 in cities with a population of more than 100,000). According to the company's own data, the audience of the service is more than 33 million people.

Avito's closest competitor, the Yula website, belongs to Mail.ru Group and was launched in 2015. According to the company's own data, the service's audience is 20 million people, 60% of them use the application from smartphones.

In April, Yula launched the "secure transactions" function, as well as a delivery service. The functions allow you to pay for the purchase directly in the Yuly application and get paid. Money transfers at Yulia were introduced by VTB 24 Bank. This year, Alfa-Bank introduced secure payment services for GetBlogger.ru and YouDo.com. Secure transaction services are also offered by Yandex.Money - with the UberChef on-call service. Money to the account of the executor of the order is received only after a day, if the buyer has not notified the portal that the order has not been completed.

“VTB Group has been fruitfully cooperating with Mail.ru Group for a long time, including on the Yula project. As part of our work with this service, no cases of fraudulent actions have been recorded, ”said a VTB representative.

Business

Magomed Bilalov switched the springboard to "watching Sochi" under German Gref

Magomed Bilalov switched the springboard to "watching Sochi" under German Gref

Career

Contribution to the Sochi Olympiad

Awards and Acknowledgments

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