Sberbank name V. What is PJSC instead of OJSC? What is the difference and why are they renamed? Why PJSC

The Savings Bank of Russia is the largest, reputable bank in the country and is especially popular. At the moment, a huge number of clients use its services. This company allows a modern person not to look for ways to get a loan without negative consequences. Here you can also resort to such operations as deposits on deposits, purchase and sale of gold, foreign currency.
In 2015, the bank announced some changes regarding details and names. It is extremely important to be aware of all the changes that affect the bank. It is necessary to correctly fill in the details and indicate the exact names so that the money transfers arrive as intended. Any mistakes are fraught with misunderstandings and serious problems.

Change of name of Sberbank of Russia: latest news

Sberbank of Russia is a solid company, an Open Joint Stock Company, which has changed its name since the summer of 2015. According to the new version of the charter, the name was introduced, which is confirmed by an entry made in the Unified Register of Legal Entities. persons.

The administration of Sberbank of Russia posted an announcement that the bank's old name has been changed. Namely: "Public Joint Stock Company Sberbank of Russia". The new name of the bank can be called and written in more abbreviated form: PJSC "Sberbank".It should be said that if you write the name of the bank in English, then in this case there will be no changes, that is, the old name can be written in English. All changes apply only to filling in the details in Russian.

When filling out forms with the previous names of the bank, payments and transfers will not be accepted for sale. Therefore, it is important to indicate all the data, as required by Sberbank, the change in details is already known and posted on the bank's website.

If the checkbooks were issued earlier, before the change of details, they can be used in order to receive funds in cash. Such changes do not affect the functional capabilities of the bank, which took place before the name change.

There are several organizational and legal forms for doing business. The main ones are: individual entrepreneurship (individual entrepreneurship), enterprises, joint stock companies with various responsibilities and others. Sberbank, the largest credit and financial institution in Russia, is a joint stock company by its organizational and legal structure. Most recently, its abbreviation included the letters OJSC (open joint stock company), but now the name has changed to PJSC (public joint stock company). In this regard, many clients began to ask the question: what kind of OPF does Sberbank represent at the moment - OJSC or PJSC, and how can this affect its activities?

Organizational and legal form of Sberbank

Currently, many institutions in the financial sector are in a difficult economic situation, so most of the population considers state-owned companies to be more reliable. When choosing a bank, many clients think that Sberbank is a completely state-owned and not a private bank. However, it is not. PJSC Sberbank is a joint stock company with a commercial structure. The share of the Central Bank of Russia in Sberbank is just over 50 percent. From this fact, it follows that Sberbank is an independent commercial institution - a non-state bank, but with state support.

Sberbank is the leader in the banking market

Reason for renaming

The procedure for re-registration of the OPF was carried out in accordance with the amendments to the Civil Code of the Russian Federation adopted in 2014. The essence of these adjustments is that such concepts as JSC and JSC are abolished, and instead of them the names "public" and "non-public" are found. In general, these will be the same joint stock companies, but with some changes.

The main purpose of such renaming is the desire of the state to strengthen control over all joint-stock companies and make their activities more open and transparent.

Since when did Sberbank become PJSC

Since 2015, in accordance with the requirements of the legislation, Sberbank was renamed into PJSC and instead of the “Open Joint Stock Company” became known as “Public Joint Stock Company”. August 4, 2015 is the date when Sberbank of Russia became PJSC. From now on, the activities of the former OJSC became public. Corresponding changes were made to the statutory documents of the financial organization, and the charter itself was registered with the tax service.

Major organizational changes

After the change of the abbreviation in the name of Sberbank, its main details remained the same (BIK, OGRN, INN).

The re-registration did not affect other important information, for example, the correspondent account, bank phone numbers and address data of bank branches. All this has not undergone any changes.

After the organizational and legal form was changed, the corresponding amendments were made to the charter of Sberbank, and the items that became irrelevant were excluded. Subject to replacement:

• round stamp;
• information on the official website;
• names in advertising signs, letterheads, etc .;
• the documentation of the institution (instructions, decrees, orders, notifications, etc.) containing the previous name in their texts.

Until 2015 Sberbank was OJSC

Among the mandatory actions of the PJSC were also informational notifications of clients and counterparties of the bank, as well as re-execution of previously concluded contracts and agreements, if the client insists on it.

The clauses concerning liability on the part of shareholders in the event of bankruptcy of a financial institution have undergone quite significant changes. Prior to the renaming, creditors could apply to shareholders, who would only be liable within their share (the amount that they spent on the purchase of shares). In case of bankruptcy of a PJSC, the principle of subsidiary liability of all shareholders, participants in the bank's management, will be applied.

In addition, after re-registration, the work of a financial institution has become more transparent:

• information about the bank's shareholders (lists) appears in the public domain;
• reports on the commercial activities of the PJSC are published;
• obligatory annual control of accounting work is carried out regularly.

The most important innovation is that at present any citizen or company can purchase an unlimited number of bank securities and, if desired, independently (without asking other shareholders) transfer them into the possession of other persons.

In 2014, major improvements were introduced regarding the activities of enterprises. Very often in the media the question began to sound: "What is PJSC instead of OJSC?" In this article we will try to answer it, as well as consider the related innovations.

Changes from September 2014

Since September 2014, amendments to the Civil Code of the Russian Federation have been adopted. They introduced innovations in the names, as well as some adjustments in the functioning of various forms of ownership. The most common question in entrepreneurship was: "What is PJSC instead of OJSC?"

With the introduction of these changes, the abolition of JSC and CJSC is connected, namely, the change in their names, that is, the concept of closed and open joint-stock companies has been canceled.

Instead, societies will now be public and non-public. In fact, these will be the same associations of shareholders, but some aspects of their work will still change. So, according to the Civil Code of the Russian Federation, the following organizations will operate on the territory of the Russian Federation:
Public.
Non-public.

Non-public companies, in turn, will be divided into:
Joint-stock companies (abbreviated name AT).
Limited liability companies (abbreviated name LLC).

That is, the essence of the enterprises will remain the same, but the name will need to be changed.

The essence of the changes

We will try to answer the question: "What is PJSC instead of OJSC?"

After the renaming has been carried out, the activities of joint stock companies should become more open. In fact, it turns out that public societies will have to live up to their name.
Previously, for the normal functioning of an open joint stock company or closed joint-stock company, it was enough for a company to place its shares and bonds on exchange trading and make them available to everyone. This was usually done by legal departments or even hired firms.
But now the register of shares will have to be kept by a special registrar.
Moreover, all meetings held by the enterprise should become more public. And also obligatory notarization of all decisions made on them has been established. Certification of documents by the registrar is also allowed.

Also, significant changes are noticeable in the need for an annual audit. Previously, it was established only for JSCs, but now all joint stock companies, without exception, are subject to mandatory annual audit.

What is OJSC?

An open joint-stock company, or, as they used to say, an open joint-stock company, is an enterprise whose fixed capital was formed by issuing corresponding shares and bonds. Until January 1, 1995, such enterprises were called "open joint stock company".
At the legislative level, the publicity of such a society was already determined, that is, all information about it had to be available to all segments of the population.
In fact, an OJSC is a company that has many owners, in other words, shareholders or owners (holders) of shares. An example is Sberbank OJSC (now Sberbank PJSC).

To manage this company, a director or even several directors were hired, who, in turn, formed a board of directors.

OJSC, along with other enterprises, had the right to engage in all types of activities not prohibited on the territory of the Russian Federation.

PJSC (the decryption sounds like a public joint-stock company) is a company whose shares must be publicly placed on the securities market.
In turn, this change (renaming of OJSC into PJSC) imposed a number of obligations on the company. A public joint-stock company in the Unified State Register of Legal Entities must contain information that it is public.

From now on, open joint stock companies have the right to exist, but they must amend their charter, provide the minutes of the meeting of shareholders, as well as statements in the approved form to the registering authority.

After making such changes, the activities of the former JSCs will be slightly adjusted, since they will become public.

The corresponding changes have already been made to their statutory documents by such companies as PJSC Sberbank, PJSC Gazprom, PJSC VTB.
The clients of these organizations have no significant reasons for concern, because in fact, these are the same enterprises, with the same activities, only they changed their name, in accordance with the norms of the current Civil Code of the Russian Federation.

Differences between PJSC and OJSC

The main differences between PJSC and OJSC are defined as follows:
1. Shareholders can be ordinary citizens and enterprises of any form of ownership.
2. The number of shareholders is not limited.
3. Shares can be transferred to third parties without the consent of other shareholders. No pre-emptive right is allowed.
4. Reporting must be published.
5. The decisions made in PJSC must be certified by notaries or registrars without fail.
6. Annual audit. This rule is established for all joint stock companies without exception.
The main difference between OJSC and PJSC is their name. Existing JSCs need to go through the re-registration procedure, although there is no clear time frame for this.

If enterprises, for one reason or another, do not make the appropriate changes to their charter, the provisions of the current Civil Code of the Russian Federation, which regulate the activities of PJSCs, are applied to them from 01.09.2014.

How do I make changes?

In order to undergo state registration, in accordance with the changes that have entered, it is necessary to submit to the tax authority:

1. Application form R 13001.
2. Minutes of the general meeting of shareholders.
3. The new edition of the Charter in the amount of two pieces.

In this case, there is no need to pay a state fee. After the documents are submitted to the registering authority, after 5 working days it makes a decision on registration or sends a reasoned refusal. Such documents can be submitted both by the head of the enterprise and by a person by proxy.

After the corresponding changes are registered, the renamed OJSC into PJSC will need to perform the following operations:

1. Change the corresponding name in all seals and stamps of the enterprise.
2. Report the change to all banking institutions and re-register the accounts.
3. Notify all your counterparties about the changes that have occurred.
4. Change your name in all publicly available sources.

Additional innovations

1. An enterprise may have two or more directors. They can work both jointly and separately, but at the same time the powers of each of them must necessarily be spelled out in the charter of the company. But the chief accountant is still alone.
2. The innovation affected the contribution to the authorized capital. Now an independent appraiser is required. This is mandatory for joint stock companies.

Answering the question: "What is PJSC instead of OJSC?", We can say that it is practically the same enterprise, only renamed. OJSC - open joint stock company, PJSC - public joint stock company. The main activities carried out by the JSC remained the same, however, significant changes were made in some areas that are binding.

One of the largest banks in Russia is PJSC Sberbank - the abbreviation stands for "Public Joint Stock Company". In 2015, he topped the rating of financial institutions in terms of capital volume and equity deposits of private users. In this article, we will consider what a public joint-stock company is, why the form of ownership changes, and when Sberbank became a PJSC.

Sberbank, according to the official regulation of the Civil Code of the Russian Federation, took this form of ownership from 04.08.2015. These changes in the legislative form apply to all JSCs. However, there was no specific time frame for changing the status. The main thing is that gradually all OJSCs go over to the form of PJSCs.

PJSC structure - what is it?

The government rationale for this need is dictated by increased control over all types of JSC. Including the annual audit of the accounting of enterprises. The governing body is inclined to believe that the procedure will make it possible to reduce, if not completely eliminate, the risks associated with maintaining the so-called double (black) bookkeeping.

The main difference between PJSCs is the absence of restrictions on the number of securities that can be at the disposal of one user.

In addition, there is no limit on the number of votes assigned to one shareholder. That is, in fact, this form of ownership allows only one person to own an enterprise.

A number of other significant differences between PJSC and OJSC include:

1. When a company goes bankrupt, shareholders are not exposed to particular risks, since they are only responsible for the money spent on the purchase of securities.
2. The liability of PJSC shareholders is subsidiary. When the property of the enterprise is not enough, shareholders who influence the management of the bank are liable for direct obligations (provided that the bankruptcy was provoked by the efforts of community members).

Otherwise, there is practically no difference between OJSC and PJSC Sberbank (the description and structure are given above).

What has changed after the change in the form of ownership of Sberbank to PJSC?

Several paragraphs were added to the set of rules of Sberbank, clarifying the principle of interaction under the condition of a new organizational form, and several sections that had lost their relevance were removed.

Two copies of the Articles of Association, together with the minutes of the shareholders' meeting and the statement of the statutory sample, were sent to the tax organization. After Sberbank officially changed its name, the bank took a number of steps:

1. Changed the seal.
2. Made adjustments to the name on the website, signage and mailbox.
3. I warned the entire client base about the adoption of a new form of ownership, made the appropriate changes to the details in the process of paperwork.
4. At the request of counterparties, invoices and contractual agreements are reissued.

After the form of ownership was changed, the bank details, as well as all other parameters, changed: PSRN, BIK, TIN. Correspondent accounts, telephones and addresses remained the same.
At the same time, certain types of documentation (accounts, administrative and settlement papers), in which the name remained the same, turned out to be illegal.

The exceptions were:

• once issued checkbooks. You can use them;
• agreements, powers of attorney and contracts. They will remain in effect until the expiration date;
• Sberbank fulfills its obligations to customers and counterparties on normal terms;
• clients fulfill their obligations to the bank in the same manner.

Details of PJSC Sberbank

All details of Sberbank

A complete list of details of managers and departments - on

Who owns the controlling stake in Sberbank of Russia? This is a common question. Let's figure it out in this article.

About the bank

In today's Sberbank, almost nothing reminds of the cash services that it has performed over a long period of its history. Surprising is the fact that he practically does not look like himself, if we talk about an organization ten years ago. Sberbank is distinguished by its ability to change and, moreover, to move forward.

This financial institution bears the title of the oldest and largest Russian company. She openly, and most importantly, honestly competes in the market and keeps her finger on the pulse of technological and financial changes. This banking institution not only keeps pace with current market trends, but is also ahead of them, focusing on the rapidly changing preferences of its customers. We will find out who owns Sberbank of Russia, as well as get acquainted with its rich history.

Who does it belong to?

As of October 1 of this year, the Central Bank of our country owns 52.32% of the shares of Sberbank, and the remaining 47.68% are dispersed within the framework of public circulation. Who owns Sberbank of Russia is of interest to many. By agreement with the government of our country, the Bank of Russia sold a stake in Sberbank five years ago. Prior to this sale, he owned 60% of Sberbank's shares and only 40 of them were in public circulation. Since then, there have been no major changes.

So, who owns Sberbank of Russia today?

Shareholder register

Thanks to the free distribution of part of the bank's shares, it can be argued that the list of the bank's shareholders is quite diverse. They are:

• non-resident legal entities - about 45.6% of shares;
• resident legal entities - 1.5% of shares;
• private investors - 2.9% of shares.

The main founder of Sberbank PJSC and its main shareholder is the Bank of Russia. He has a key influence on decision-making on the bank's strategic development. At the same time, the government allows the possibility of reducing the state's share in its authorized capital.

The list of the largest beneficiaries does not contain individuals for a long time. Previously, large blocks of shares were in the hands of entrepreneurs. But interest on their part was lost, and they left the number of large shareholders. A similar trend can be observed among legal entities. Today, only the minority shareholder (the Central Bank) has a stake in excess of 5% of the authorized capital, the rest have less than 1% of shares.

Banking leader

Today it, undoubtedly, acts as the circulatory system of the domestic economy and the third of its banking system. This financial institution provides work, and, in addition, a source of income for every 150th Russian family.

Who owns the shares of Sberbank of Russia, we have explained.

Main creditor

The undisputed leader of the Russian banking system in terms of total assets accounts for 28% of total financial resources. In addition, Sberbank is the main creditor to the domestic economy, occupying the largest share on the deposit platform. Thus, it accounts for 46% of the population's deposits. In addition, we can talk about 38% of loans to individuals. As for legal entities, this part of loans is 32%.

Regional banks

Today Sberbank is represented by 12 regional banks and has over 16 thousand branches throughout Russia, which are located in 83 constituent entities of the Russian Federation in 11 time zones.

In Russia, this financial company has over 110 million clients, which make up more than half of the entire population of our country. About 11 million people use the services of this bank directly abroad.

Range of services

For retail clients, the range of Sberbank services is quite wide and starts from traditional deposits along with various types of lending, ending with bank cards, money transfers, insurance and brokerage services. The bank issues any retail loans using a technology called a "credit factory". This method was created to efficiently assess financial risks, as well as to ensure a high quality loan portfolio. Who is the owner of Sberbank of Russia?

Since 2007, the chairman of the board is G. Gref. If we talk about who owns the bank, his name will not be in the forefront. Personally, Gref has only 0.003% of the bank's shares, the aggregate market value of which is about $ 2.19 million.

In an effort to make service as convenient as possible, as well as technologically advanced and modern, Sberbank is annually improving its capabilities aimed at remote management of its clients' accounts. Thus, the bank has developed a system of remote customer service channels, which includes the following services:

• Availability of online banking called "Sberbank Online". It is interesting to note that over 30 million customers use this service.
• Sberbank Online applications for mobile devices used by over 18 million customers.
• An SMS service called "mobile bank", which is used by over 30 million.
• The world's largest network of self-service terminals and ATMs, which are represented in the amount of 90 thousand devices.

We examined in detail who owns Sberbank of Russia. Next, let's take a look at its history.

Sberbank history

In November 1841, Russian Emperor Nicholas I signed a decree on the establishment of savings banks in the country, which were supposed to store funds in a profitable way. So November 12, 1841 became the date of birth of Sberbank.

A few months later, in March 1842, an employee of the treasury, Nikolai Christofari, crossed the threshold of the recently opened cash desk in St. Petersburg. This person could not even imagine that at that moment he became the first client of a future financial institution, this would be inextricably intertwined with Russian history. Who owns Sberbank today, we already know.

Thus, it acts as the historical successor to the savings banks, which were founded by order of Emperor Nicholas I. These banks were initially two small institutions with twenty employees in St. Petersburg and Moscow. Later, they began to grow into a network of savings banks that functioned throughout the country. The cash registers, even in difficult times, helped to maintain the stability of the domestic economy. With the passage of time, already in the Soviet era, they were transformed into a system of state savings banks. Further, in modern times, they have been transformed into a modern and universal banking institution, and, moreover, into a large international group, whose name has become known in more than twenty countries of the world.

Who owns the controlling stake in Sberbank of Russia? To the central bank.

Chronology of events

In chronological order, history can be summarized as follows:

• For the years 1841-1895. had to be founded along with the development of banking in Russia. During this time, since its foundation, the number of clients has increased to five hundred people a day.
• 1895-1917 served as the golden age of the first Russian bank. At this time, the formation of financial literacy among the Russian population took place. During this period, almost four thousand savings banks were opened and two million savings books were issued.
• 1917-1941 were marked by the first revolution and global changes in the policy of Sberbank. At this time, savings banks began to carry out money transfers. In addition, they began to issue certificates of loan, as well as transactions with securities.
• 1941-1953. During the war years, as well as in the post-war period, Sberbank took part in programs of global and national importance. During this period, the Charter of the state savings banks was approved.
• 1953-1991. These years saw the transformation and development of Sberbank. The total number of cash registers was doubled from forty thousand to seventy-nine. As for the number of clients, it has increased twelve times.

• 1991-2008. These years are associated with global changes in the activities of Sberbank of Russia, since during this period life began in accordance with the new financial laws. At this time, the first ATMs began to operate. A non-state pension fund was founded, and, in addition, the Sberbank Online service began to function.
• In 2009, all of Sberbank's activities were aimed at overcoming the difficult economic situation. At this time, the Sberbank Business Online program was launched. In addition, in 2009 Sberbank entered the twenty largest financial institutions by market capitalization. In 2009, the bank became the main partner of the Olympic Games in Sochi.
• 2010 marked a new stage in the history of Sberbank, since that time the introduction of innovative programs and solutions aimed at the progressive future of the country began. In 2010, Sberbank canceled commissions for issuing loans and their consideration. Also, interest rates on lending were reduced twice.

At Sberbank they like to say that everything is just beginning, but at the same time they do not forget about their complex, but rich history.

We figured out who owns Sberbank of Russia today.