Sberbank Europe Group (Sberbank Europe AG) is a banking group headquartered in Vienna, Austria and is owned by Sberbank Russia. Sberbank Europe Group serves over 773,000 customers in 8 markets: Austria, Bosnia and Herzegovina (Sarajevo and Banja Luka), Croatia, Czech Republic, Hungary, Slovenia, Serbia and Germany. In total the bank operates 187 branches and has over 3,800 employees (YE 2020) across Central and Eastern Europe. Sberbank Europe is a fully-fledged universal bank, whose activities focus on retail banking customers, large corporates as well as on SME and micro companies. It is one of the most profitable financial institutions in the world and a leading market player in delivering innovative products based on excellence and state-of the-art technology. By using the combination of the local expertise, cultural features of regions of operation and customer focus of our employees, Sberbank Europe is building bridges between Russia and European markets. Sberbank was rated as Europe’s second most valuable banking brand, following a survey carried out by The Banker. It was ranked the world’s 13th most valuable banking brand, at USD 14.2 billion, and also remains the most valuable brand in Russia. Sberbank Europe was awarded “Bank of the Year” in 2012, “Best Bank in CEE” in 2014 by The Banker magazine, and “Best Information Security Initiatives in CEE” in 2015 by Global Finance magazine. In 2017 the bank won in categories “Best Bill Payments & Presentment”, “Best Mobile Banking App”, “Best SMS/Text Banking” by Global Finance magazine.