Sberbank who was before the gref. President, Chairman of the Board. Sberbank business breakfasts

Gref German Oskarovich- Russian statesman of German origin, President and Chairman of the Board of Sberbank of Russia, former Minister of Economic Development and Trade of the Russian Federation (2000-2007). Co-Chairman of the Board of Trustees of the Mariinsky Theatre, member of the Board of Trustees of the Russian International Affairs Council. Chairman of the Board of the Center for Strategic Research. Member of the Board of Directors of Yandex. Chairman of the HSE Board of Trustees. Chairman of the Board of Trustees of the Foundation for the Support of the Deaf-Blind "Connection". Globalist, supporter of globalization in Russia.

Biography

Gref German Oskarovich, was born in the village of Panfilovo, Irtysh district, Pavlodar region, Kazakh SSR, in a family of ethnic Germans who were expelled from the Donbass in 1941.

Relatives. Brother: Evgeny Oskarovich Gref, born on 09/08/1952, businessman. Owns the Technosophy chain of stores in Omsk, as well as the Geomart and Letur shopping centers.

Sister: Elena Oskarovna Peredriy, born on March 14, 1963, wife of the former vice-governor of the Primorsky Territory, Sergei Peredriy. He is a shareholder of Primorye Bank, the beneficiary of which is the former governor of the Primorsky Territory, Sergei Darkin. Her husband was fired after inspections that revealed a number of violations in the financing of the housing and communal services of the region, whose issues were supervised by Sergei Peredriy.

Wife (former): Gref (maiden name Velikanova) Elena Nikolaevna, born on April 15, 1964, Gref's former classmate. They got married right after graduation. Divorced in 1998. Currently lives in St. Petersburg.

Wife: Gref (maiden name Golovin, after Glumov's first husband) Yana Vladimirovna, born on 08/05/1975. Designer by education. Currently, the spouses do not actually live together.

Son: Gref Oleg Germanovich, born on March 20, 1982, until 2017 he was vice president of the NEO-Center consulting company, accredited with Sberbank.

State. In 2013, he entered the top 5 of the Forbes list (5th place) of the most expensive managers in Russia. His income over the past year amounted to $ 15 million. The share of shares of Sberbank of Russia, owned by G. O. Gref: 0.003096% (package price - $ 2.19 million).

Hobbies. German Gref is bilingual, from an early age equally fluent in Russian and German, loves Goethe and the German expressionists.

Awards. He has the Order of Merit for the Fatherland, III and IV degrees, the Order of Alexander Nevsky, the Order of Honor, the Stolypin medal of the II degree, the Order of the Holy Right-believing Prince Daniel of Moscow, I degree (Russian Orthodox Church award). Has an honorary diploma of the President of the Russian Federation. He is an officer of the French Order of the Legion of Honor and an honorary citizen of Astrakhan.

Education

• In 1990 he graduated from the Faculty of Law of Omsk State University.

• In 1994, he completed postgraduate studies at the Faculty of Law of St. Petersburg State University.

Labor activity

• 1982 -1984 served in the Armed Forces.

• From 1991 to 1992, he served as legal adviser to the Committee for Economic Development and Property of the Administration of the Petrodvorets District of St. Petersburg.

• March 1992 to October 1994 - Chairman of the Property Management Committee of the Petrodvortsovsky District of St. Petersburg.

• In October 1994, he was appointed Deputy Chairman of the Committee, Director of the Real Estate Department of the Committee for State Property Management (KUGI) of St. Petersburg.

• In July 1997, he was appointed First Deputy Chairman of the KUGI of St. Petersburg.

• On September 2, 1997, he was appointed Vice Governor - Chairman of the State Property Management Committee (KUGI) of St. Petersburg instead of Mikhail Manevich, who was killed on August 18, 1997 (since the death of Manevich, Gref has acted as head of the KUGI). The offer to Gref to take this post was made by the Governor of St. Petersburg Vladimir Yakovlev.

• Since September 1997 - Member of the Board of Directors of JSC "Lenenergo".

• In January 1998, he was introduced to the Collegium of the Ministry of State Property of the Russian Federation.

• Since April 1998 - Member of the Board of Directors of OAO "Sea Port of St. Petersburg".

• Since June 1998 - Member of the Board of Directors of JSC "Petersburg - Channel 5".

• On August 12, 1998, he was appointed First Deputy Minister of State Property of the Russian Federation.

• On December 30, 1998, by a decree of the Government of the Russian Federation, he was introduced to the Coordinating Council for Economic Issues of Regional Policy of the Russian Federation.

• On January 21, 1999, by a decree of the Government of the Russian Federation, he was introduced to the collegium of representatives of the Russian Federation in OJSC Svyazinvest.

• On April 28, 1999, he was appointed head of the government commission to inspect the activities of the FSDN.

• In April 1999, he became a member of the Board of Directors of AO Svyazinvest.

• On May 10, 1999, by order of the Government of the Russian Federation, he was introduced to the board of state representatives in the OSAO "Russian State Insurance Company" ("Rosgosstrakh").

• On June 4, 1999, he became a member of the Board of the FCSM.

• On June 26, 1999, he was elected to the board of directors of JSC Aeroflot - Russian International Airlines.

• On August 26, 1999, he was elected to the board of directors of Gazprom as a representative of the state.

• Since September 1999 - member of the Board of State Representatives in OAO AK "Transneft".

• Since January 2000 he has been the head of the Center for Strategic Research.

• May 18, 2000 appointed Minister of Economic Development and Trade.

• In July 2000, he was appointed Governor from the Russian Federation at the European Bank for Reconstruction and Development.

• Since December 2000 - head of the working group for the preparation of a draft program for the country's socio-economic development in the medium term (until 2004).

• From April 2001 - the official representative of the government when the chambers of the Federal Assembly of the Russian Federation are considering the draft Land Code.

• On April 28, 2001, he was appointed representative of the Russian Federation for voting at the shareholders' meeting at OAO Gazprom.

• Since March 2003, he has been on sick leave, then on vacation "due to the need for rehabilitation after an illness." Rumors appeared in the media about the early resignation of Gref from the post of minister.

Everyone knows the famous statesman German Gref. Biography, nationality, parents of the head of Sberbank will be described below. Gref - former Minister of Trade and Economic Development of the Russian Federation (2000-2007). At the moment, he heads the board of Sberbank. He is also the chairman of the board of the Center for Strategic Research and is a member of the board of directors of Yandex. This article will describe his brief biography.

Childhood

German Oskarovich Gref was born in the village of Panfilovo near Pavlodar in 1964. The boy's parents were ethnic Germans exiled from the Donbass to Kazakhstan because of their nationality. Herman is the youngest child in the family. The father of the future banker, Oscar Fedorovich, worked as an engineer. And my mother, Emilia Filipovna, worked as an economist in the village council.

When German was barely a year and a half old, grief happened in the Gref family - Oscar Fedorovich died. Emilia Filipovna was left alone with three children. Invaluable assistance in their upbringing was provided by their grandmother. She instilled in her grandchildren accuracy, modesty and restraint.

School

German studied quite well. He was a disciplined and obedient student, not causing trouble for his mother with bad behavior. The future chairman of Sberbank had no craving for specific sciences. But the boy was very fond of playing sports and even led the school basketball team.

Institute and work

Then German Gref, whose biography, whose personal life will soon be the subject of discussion in many media, entered MGIMO. A year later, the young man was expelled without explanation. Immediately after this, Herman was taken into the army. The future banker repaid his debt to his homeland in the ranks of the Army made him a real man. After demobilization, Gref entered (the Faculty of Law). During his studies, the young man was actively involved in social activities and worked as a Komsomol organizer. This aroused his political interest. Herman graduated from the university with honors and stayed there to work as a teacher.

In 1990, the hero of this article entered graduate school. Gref's supervisor was Anatoly Sobchak (the former Later he would become Herman's "godfather" in his political career. Thanks to Sobchak's recommendation, the future banker got a job in the St. Petersburg city administration. It was there that he met Medvedev, Putin and other well-known politicians from the team of Anatoly Alexandrovich.

Government

The beginning of the career of the hero of this article was laid during the years of Perestroika. To form the concept of state development of Russia, a special committee was created. Gref led it. In this post, German Oskarovich distinguished himself by giving promising and accurate economic forecasts. Moreover, he expressed his thoughts without using abstruse terms, which earned him the sympathy of his comrades-in-arms.

Gref worked as an economic strategist for almost seven years. After that, the career of German Oskarovich began to move towards the ascent to the highest political arena of the Russian Federation. In 1998 he was appointed Deputy Chairman of the Ministry of State Property. After 12 months, the hero of this article was already in charge of the Center for Strategic Research. After Putin's victory in the 2000 presidential election, he was invited to the post of Minister of Trade and Economy of the Russian Federation.

Achievements

Gref worked in this post until 2007. During this time, five prime ministers were replaced, and German Oskarovich managed to retain his powers. His main achievements were the reform of taxation, the electric power industry, as well as lobbying for the program for Russia's accession to the WTO. Thanks to this, Russia has increased its investment rating, receiving the status of a state with a market economy.

In addition to government work, Gref held key positions in several large holdings. He also served on the Board of Directors of Rosneft, Aeroflot and Gazprom.

Sberbank

In 2007, after the resignation of the government, German Gref (the biography, the nationality of the statesman is known to almost all economists) completed his ministerial work. His post was taken by Elvira Nabiullina. And the hero of this article was elected by the Supervisory Board of Sberbank to the position. He holds it to this day.

At the new place of work, German Gref (biography, nationality of the head of Sberbank is known to many key politicians of the Russian Federation) has achieved significant success - the client base has expanded globally, the level of service has increased. This led to an increase in the organization's net profit by 74%. German Oskarovich also carried out a rebranding and introduced technological, convenient systems of remote service channels, which made the financial institution a leader in Central and Eastern Europe.

Personal life

Gref was married twice. He met his first wife at school. she was the prettiest girl there. Almost all the boys took care of her. But in the fifth grade, Elena chose Herman. He married Velikanova immediately after graduation. A year later, the couple had a son, Oleg.

In fact, they are rarely strong. That is what happened this time as well. Relations in the couple went wrong, and Elena never became the "wife of the minister." Velikanova still does not share with journalists details about the years spent in marriage.

German Oskarovich did not go bachelor for long. The banker's next marriage dates back to 2004. Yana Golovina is the second wife of German Gref, her biography is worthy of a separate article. The girl worked as a designer, and she also had an unsuccessful marriage behind her. The wedding ceremony took place in "Peterhof" (a unique reserve). The price of renting the throne room reaches several million rubles.

In 2006, the couple had a daughter, and two years later, another one. Today Yana is engaged in a new project. She is no longer interested in design. The wife of the head of Sberbank went headlong into education. With the help of her husband, she opened a private school, which takes only the elite. Parents with children must come to the interview in tracksuits. A month of education in a private school costs 51,000 rubles.

Relatives

Oleg is Gref's son from his first marriage. In 2004 he graduated from Moscow State University. At the moment, he is the vice-president of the NEO Center consulting firm (accredited with Sberbank).

Elena Peredriy is the older sister of the hero of this article. After graduating from the Pedagogical Institute, she got married and moved to Nakhodka. She owns a large stake in Primorye Bank. Elena's daughter, Olga Tyshchenko, is Sberbank's chief HR specialist.

Evgeny is Gref's older brother. Doing business in Omsk. He is a co-owner of the shopping centers "Letur", "Geomart" and the chains of stores "Sibir-keramika", "Tekhnosofiya". In 2008, he received a loan from Sberbank in the amount of 500 million rubles. Daughter Evgenia works at Krasnov Design.

Tatyana Golovina is the mother of Gref's wife. Since 2008, he has been the head of the Rus sanatorium (Gelendzhik), owned by Transneft. All accounts of the medical institution were transferred to Sberbank.

Attribution of another nationality

Recently, many media outlets have been publishing materials with the title "Herman Gref: biography." They erroneously attribute the nationality "Jew" to the banker. As already indicated at the beginning of the article, the financier is an ethnic German.

Income

In 2015, German Gref (biography, family, photo of the banker are presented above) entered the list of the highest paid managers of the Russian Federation according to Forbes. The financier's annual income was $13.5 million. This figure was obtained by adding up salary, share payments, long-term compensation and bonuses.

Currently

Now the banker's parents are still heading the country's main credit organization, and a number of other topics related to his life are regularly discussed both in the Russian and Western press. In 2015, at a meeting of shareholders, his powers were extended for four years.

In June 2015, German Gref (biography, the nationality of the former minister is known to all employees of Sberbank) took part in the international economic forum. Answering questions from the participants, he criticized the work of the government. Gref said that the economic crisis is the result of poor management. That is, the Cabinet of Ministers is not only incapable of making quick decisions, but also cannot promptly respond to changes in the market situation.

In the same 2015, German Gref demonstrated the presence of human qualities. The biography, nationality and activities of the banker are often discussed in economic publications. He adequately got out of the situation associated with an open letter from the writer Samuil Lurie. The essence of the claim was that the critic was being treated for cancer in the United States, and in St. Petersburg, his daughters did not give out his pension by proxy. Gref personally answered Samuil Aronovich. The banker reassured the writer by informing him that the money had been given out. Also, despite some harshness in the message, German Oskarovich apologized to Lurie. By this act, the hero of this article has earned universal respect.

2016 scandal

The Gaidar Forum is the place where German Gref distinguished himself with his critical speech. The biography, family and personal life of the financier are constantly exaggerated in the press. His speech at the famous economic forum was no exception. The head of Sberbank called the Russian Federation a "downshifter country", located in the abyss and technologically enslaved by other advanced states of the world. A sharp reaction followed from the State Duma deputies. They considered Gref's statements derogatory, unpatriotic, offensive and called on him to voluntarily leave the post of head of the largest bank in the Russian Federation.

Insurance

The bank's subsidiaries provide various services to customers, including property, liability, and life and health insurance services provided by insurance companies LLC IC Sberbank Insurance and LLC IC Sberbank Life Insurance, as well as insurance companies that are partners of the bank or in other insurance companies. You can find out more about the insurance programs of IC Sberbank Insurance LLC and IC Sberbank Life Insurance LLC by clicking on the link.

The Ombudsman Service receives requests from clients with various questions regarding these services. We have tried to answer the most common of them.

First of all, it is worth noting that the execution of a life or health insurance contract is exclusively voluntary and does not affect the decision to issue or not issue a loan. At the same time, you can cancel the insurance contract within 14 days 1 and return the insurance premium paid by you upon conclusion of the contract. The conditions and procedure for the return of the insurance premium are determined by the terms of the insurance contract.

1. If I repaid the loan early, does the insurance associated with it terminate?

Unless otherwise provided by the terms of the insurance contract, in case of early repayment of the Loan Debt, the Insurance contract continues to be valid for the Insured Person until the end of the period specified in it or until the Insurer fulfills its obligations to pay insurance compensation upon the occurrence of an insured event.

2. If the loan has already been repaid, then what is the point of the insurance program?

The insurance coverage is valid for the entire period of insurance, even in case of early repayment of the loan. The sum insured is determined by the terms of the insurance contract.

3. I heard that life insurance is accepted for tax purposes?

This is true, life insurance can be used to receive a tax deduction for personal income tax in the amount of up to 15,600 rubles (13% of the limit of 120,000 rubles taken into account for these purposes). You can find out more about tax deductions and their receipt at the following.

4. Is it mandatory to draw up a life insurance contract when applying for a loan?

Life insurance is not a prerequisite, however, the availability of insurance can be taken into account as an additional factor, for example, Sberbank takes into account this type of insurance and provides an opportunity to reduce the interest rate if you have drawn up a life and health insurance contract for the borrower under mortgage lending agreements. Your decision to conclude a life insurance contract or to refuse to conclude a life insurance contract does not affect the probability of issuing a loan in any way.

5. Is it possible to return the paid insurance premium or part of it if I refuse to participate in the insurance program after the early repayment of the loan?

This possibility depends on the conditions specified in the insurance contract.

1 so-called. the "cooling off period" may be longer depending on the terms of the contract.

Arrests and recovery of funds

You can find detailed information about the reasons for the arrest or recovery of funds on accounts and answers to frequently asked questions by clicking on the link.

The bank's ability to influence the situation in the work with enforcement proceedings is limited by the current legislation. The Bank acts solely as an executor and is obliged to immediately carry out the actions specified in the received executive document on the client's accounts. If the bank has reasonable doubts about the authenticity of the document (and not about the legitimacy of its content), the bank may, within 7 calendar days, take measures aimed at certifying the authenticity of the document, while it is obliged to block transactions on the client's accounts indicated in the document until completion of the check.

Therefore, if a client is faced with the problem of debiting funds under an executive document, the bank does not always have the opportunity to resolve the situation on its own - in some cases, the solution lies outside the bank's responsibility.

1. If you find yourself in a situation where your salary or pension is debited both at the place of work or in the pension fund, and from a bank account, then you need to provide documents confirming this fact to the department of bailiffs leading proceedings in your case, to change the procedure for collecting money from you.

2. If you receive social payments that cannot be levied, we recommend that you open a separate nominal account for crediting these payments. You can find out more about this service and the conditions for its use at the link.

3. The bank cannot independently terminate or suspend the recovery or cancel other measures for enforcement proceedings. The basis may be the appropriate decision of the court, bailiff. Also, the executive document may be withdrawn by the claimant himself. At the same time, the bank cannot return the funds already collected, this question must be addressed to their recipient.

Fraud

Among the appeals received by the Ombudsman Service, a significant number are related to the consequences of fraudulent actions of third parties in relation to Sberbank clients. There are a large number of types of fraud, however, in general, they can be divided into two main groups:

1. Fraud using various technical means:

2. Fraud without the use of technical means in relation to the client, often referred to as "social engineering" - the client is fraudulently obtained data, the disclosure of which makes it possible to access and dispose of funds.

As you can see, all these methods rely to some extent on a lack of attention and / or a frivolous attitude to confidential information and means of access. By providing confidential information to scammers, you are actually giving them access to your funds.

To reduce the risk of fraud against you, it is enough to follow a number of simple security measures that are posted on the Sberbank website in the "Security Measures" section:

link .

• Phishing is the conduct of mailings (letters, SMS messages) with a link leading to fake (phishing) pages of websites and applications disguised as official ones in order to fraudulently obtain personal means of access.
• With the use of virus software - malicious programs or their components that imitate user actions or transmit necessary information to fraudsters in order to gain access to funds.
• Do not tell anyone, including bank employees, your confidential data: SMS passwords and PIN / CVV codes from bank cards;
• Check the details of the operation in SMS messages with a confirmation password;
• Do not follow links from unfamiliar resources in order to exclude virus infection of your devices;
• Use only official bank applications from the AppStore, Google Play, WindowsStore stores;
• Use an antivirus or install the Sberbank Online mobile application with an antivirus for Android phones;
• Never connect other people's phones to the Mobile Bank service;
• Inform the bank about the change of your mobile phone number connected to the "Mobile Bank" service;
• Do not call back the phone numbers indicated in SMS messages.

If you have any doubts or concerns, please contact the Sberbank Contact Center using the official numbers, the numbers of which are located on the back of the Sberbank card or on the Sberbank website.

Despite the significant spread of stories describing unauthorized access to client accounts, in practice, the vast majority of cases are related to the disclosure of confidential data and means of access by the client himself. The bank's ability to protect the client's funds in such cases is limited.

We recommend that you familiarize yourself with more detailed information on ensuring the safety of your own funds when using the bank's products and services at the following link.

Case Study Examples

1. Termination of the insurance contract

Client's message: The client applied to the Ombudsman Service with a question about the return of part of the insurance premium in connection with the early repayment of the loan.

Service Expertise: At the request of the client, the bank entered into a life and health insurance contract in relation to him, providing for the return of the insurance premium in full in case of cancellation of the insurance contract within 14 calendar days from the date of signing the application by the client, or if the insurance contract in respect of the client is not was concluded.

The audit showed that when concluding the insurance contract, there were no erroneous actions on the part of the bank, no applications for cancellation of the insurance contract from the client were received by the bank within 14 calendar days from the date of filing the application for concluding the contract. The contract does not provide for a partial refund of the insurance premium.

Service Solution: Based on the results of consideration of the appeal, no grounds were identified for satisfying the client's requirements.

At the same time, during a telephone conversation with an expert, the main reason for the client's desire to cancel the insurance contract was revealed - he suggested that early repayment of the loan leads to the termination of the insurance contract due to the disappearance of the insurance risk. The expert provided explanations that the insurance program continues to operate in full on the conditions established by the contract. Thus, the client remains under the financial protection of the insurance program until the end of its validity period for the sum insured initially determined in the contract (in the amount of the loan) despite its full repayment.

2. Unlawful write-off of funds for enforcement proceedings

Client's message: The client contacted the Service with a question about the continued write-off of funds from the accounts of the enforcement proceedings, despite its cancellation by the bailiffs.

Service Expertise: The audit showed that several enforcement proceedings are being carried out against the client, within the framework of which funds are regularly debited from the accounts.

At the time of the client's request, the bank received only one decision to terminate enforcement proceedings, which was executed on the next business day after its receipt. No other cancellation orders were received by the bank. Thus, the write-off of funds is carried out in accordance with the requirements in the framework of other enforcement proceedings.

Service Solution: No errors were found in the actions of the bank. The Bank cannot independently terminate the recovery in enforcement proceedings without the appropriate grounds provided for by the current legislation (Federal Law No. 229-FZ of 02.10.2007 "On Enforcement Proceedings").

The client was provided with information about the enforcement proceedings in force against her, within which funds are debited, as well as the contact details of the bailiffs who initiated the said enforcement proceedings.

The client applied to the specified bailiff and provided the Ombudsman Service with a decision to cancel the enforcement proceedings, after which the enforcement proceedings on the client's accounts were terminated.

3. Transfer by erroneous details

Client's message: The client contacted the Service with a question about the possibility of returning funds transferred using erroneous details.

Service Expertise: The audit showed that the transfer was made through the Sberbank Online mobile application using an erroneously indicated phone number (an error in one digit). Payment confirmation was made by the client, despite the different name and patronymic of the recipient, displayed in the Sberbank Online system just for the purpose of confirming the correctness of the payment.

According to the Civil Code (Article 854), the bank is not entitled to dispose of the clients' funds without their consent, therefore, the bank does not have the right to independently return the transferred funds. The service sent a notification to the recipient that this payment was transferred by mistake, with a request to confirm the possibility of debiting these funds for their subsequent return to the sender.

Service Solution: The client was provided with information on the actions taken and recommendations for further actions. 1.5 weeks after the submission of this response, the bank received the consent of the recipient of funds, after which the funds were returned to the sender.

4. Reducing the rate under the loan agreement

Client's message: The client applied to the Ombudsman Service with a question about reducing the interest rate on an existing mortgage loan, as well as about participating in the Assistance Program for Certain Categories of Mortgage Borrowers (as part of the state support program).

Service Solution: Making decisions on these issues does not fall within the competence of the Ombudsman Service, therefore, the client's appeal was transferred for work to the authorized division of the bank. The client was informed about this fact and the reason for the transfer of the appeal.

5. Challenging a transaction through an international payment system

Client's message: The client applied to the Ombudsman Service with a question about a refund for booking a hotel room.

Service Expertise: Money was debited from the client's card account to pay for a hotel room. Previously, the bank refused to return the funds to the client due to the lack of grounds for initiating a claim cycle in the international payment system.

Service Solution: During the phone call, the Service's expert asked questions about the details of the situation. The client reported that she canceled the hotel reservation and, in fact, did not use the service. The expert informed the client that confirmation that the booking was canceled is required in order to start the refund procedure. An agreement was reached with the client to provide a screenshot. Further, the bank initiated a claim cycle of the international payment system, following the results of consideration of the bank's application, the funds were returned to the client.

6. Error in the address of the insured collateral for a mortgage loan

Client's message: The client applied to the Ombudsman Service with a request to check the correctness of the calculation of the penalty under the mortgage agreement.

Service Expertise: The audit showed that the client concluded a mortgage agreement, one of the clauses of which is the client's obligation to insure the property pledged to the bank, according to the specified list of risks.

After the expiration of the previous insurance policy, the client issued a new policy through the Sberbank Online mobile application. During the execution of the policy, the client made a mistake in indicating the address of the property (street name), so the policy was not taken into account by the bank.

Service Solution: The Ombudsman Service initiated the necessary measures to enter the correct address in the insurance contract and recalculated (cancelled) the penalty under the loan agreement.

7. Early repayment of the loan

Client's message: The client applied to the Ombudsman Service with a question about the recalculation of overpaid interest under the loan agreement in connection with its early repayment.

Service Expertise: A consumer loan agreement was drawn up with the client, the repayment of which was carried out in accordance with the agreement. The client decided to issue a partial early repayment of the loan and for this purpose applied to the bank's contact center.

During a conversation with an employee of the contact center, the client asked the question to which account he needs to transfer funds for early repayment of the loan. The client was provided with an answer to this question, however, the contact center employee did not provide information on the need to apply for partial early repayment of the loan through a bank branch, or to carry out this operation through the Sberbank Online application.

German was born on February 8, 1964 in the village of Panfilovo, Pavlodar Oblast, Kazakh SSR.

From 1982 to 1984 he served in the units of the special forces of the internal troops of the USSR Ministry of Internal Affairs.

In 1990 he graduated from the Faculty of Law of Omsk State University. Speaks German and English.

From 1990 to 1993 he was a post-graduate student at the Faculty of Law of the Leningrad State University. The scientific adviser was Anatoly Sobchak, to whom he came on the recommendation of the dean of the law faculty of Omsk State University, Sergei Baburin. Gref did not defend his dissertation then.

1991: Work in the administration of St. Petersburg

• In 1991-1992 - legal adviser of the 1st category of the Committee for Economic Development and Property of the Administration of Petrodvorets and St. Petersburg.

• In 1992, he was appointed head of the Petrodvorets Regional Agency of the Committee for the Management of City Property of the St. Petersburg Mayor's Office.

• In 1992-1994 - Chairman of the Property Management Committee, Deputy Head of the Administration of the city of Petrodvorets.

• In 1994, he became deputy chairman, first deputy chairman of the Committee for City Property Management of the St. Petersburg Mayor's Office.

• In 1997-1998 - Vice Governor, Chairman of the City Property Management Committee of the St. Petersburg Mayor's Office.

1998: Deputy Minister of State Property of the Russian Federation

• 1998 - Member of the Collegium of the Ministry of State Property of the Russian Federation. First Deputy Minister of State Property of the Russian Federation.

• 1999 - Member of the Board of the Federal Commission for the Securities Market, Head of the Center for Strategic Research.

2000: Head of the Ministry of Economic Development

• In 2000, he was appointed First Deputy Minister of State Property of the Russian Federation.

• From May 2000 to September 2007 - Head of the Ministry of Economic Development and Trade of the Russian Federation.

One of Gref's main tasks as Minister of Economic Development was to negotiate Russia's entry into the World Trade Organization. And if at first the goal was to join the WTO at any cost and as soon as possible, then the principle became the main one: "Russia will join the organization on the most favorable terms for itself." In this regard, the terms of entry into the WTO were constantly pushed back. Under G. Gref, bilateral negotiations between Russia and all the major world trading powers were successfully completed.

In his post, G. Gref also actively advocated the development of industrial production in Russia. 2005 was especially successful for him in this area. Thus, the Sukhoj Super Jet-100 program (SSJ-100, formerly RRJ) fell into his sphere of influence - a joint project of the Sukhoi Civil Aircraft Company, the Ilyushin Aviation Complex and Boeing.

In the same year, the famous government decree N166 was issued, providing benefits for automakers that opened assembly plants in Russia (the conclusion of relevant agreements with auto giants was supervised by the Ministry of Economic Development and Trade).

In the same 2005, a law developed by the ministry was adopted, regulating the activities of special economic zones and providing preferential terms for their residents. G. Gref also secured for his department the right to distribute funds for innovative projects both through the established Russian Venture Company (RVC) and through the Investment Fund.

In 2005, the minister became chairman of the commission that forms the list of projects co-financed from the Investment Fund of the Russian Federation.

G. Gref also actively participated in the promotion of Sochi as a venue for the 2014 Olympics. Under him, the Ministry of Economic Development oversaw the federal target program "Development of the city of Sochi as a mountain-climatic resort until 2014", which was later transferred to the Ministry of Regional Development.

2007: President and Chairman of the Board of Directors of Sberbank

November 28, 2007 at an extraordinary meeting of shareholders of Sberbank of the Russian Federation, Gref was elected president, chairman of the board of a credit institution. In this position, he replaced Andrey Kazmin, who was appointed head of the Federal State Unitary Enterprise Russian Post. Despite G. Gref's statement that no drastic changes in the personnel policy are planned, several people from the top management of the bank submitted their resignations. Among them were deputy chairmen of the board, heads of leading departments. However, the former minister did not lose optimism - heading Sberbank, G. Gref, in his characteristic energetic manner, said: "We must prove that elephants can dance ... Give me time, and then we'll see who is capable of what."

Thus, G. Gref plans to make Sberbank more "customer-oriented", in connection with which the requirements for employees have been seriously increased in the bank, and work is also underway to improve the principles of work, especially those related to retail lending. Another serious undertaking by G. Gref was the expensive rebranding of Sberbank, the expediency of which, in the conditions of the financial crisis, caused a wave of indignation in the media. In addition, being a supporter of the idea of ​​privatizing state-owned banks, G. Gref advocates reducing the share of the Central Bank in the authorized capital of the bank to 50% + 1 share from the current 57.6%. However, the Russian government is in no hurry to privatize Sberbank, explaining this by its traditionally high social significance.

May-June 2010 it became known that Gref became the owner of 0.0007% of the ordinary shares of Sberbank of Russia, while his share in the authorized capital of the bank amounted to 0.0006%. Previously, G. Gref did not own the bank's shares. October 2011 he brought his share of ordinary shares to 0.003%, and his participation in the authorized capital of the bank - to 0.0031%.

German Gref talks about Sberbank's crowdsourcing project

• Member of the boards of directors and supervisory boards of a number of joint-stock companies and companies.

2011: PhD in Economics

2011 - dissertation defense in

German Gref is the head of the largest bank in Russia and one of the highest paid top managers in the country. He has come a long way to the financial Olympus and during his career he has held senior positions in the Lukoil, Transneft, Gazprom and Yandex holdings, and also held the chair of the Minister of Economic Development and Trade of the Russian Federation. German Oskarovich introduced a number of conceptual ideas into the country's economy: the creation of free economic zones, the consistent reform of the electric power industry and the taxation system are on the account of the chief banker.

Childhood and youth

Gref German Oskarovich was born on February 8, 1964 near Pavlodar, in the village of Panfilovo, in a family of ethnic Germans. The future head of Sberbank became the third and youngest child in the family, Herman has an older brother, Evgeny, and a sister, Elena. Gref's parents, Oskar Fedorovich and Emilia Filippovna, were educated and intelligent people. My father worked as an engineer, and my mother worked as an economist in the village council.

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German Gref

When Gref was one and a half years old, grief happened in the family - his father died, as a result of which his mother was left alone with three children in her arms, whom the grandmother of the future banker helped raise. They taught the children restraint, modesty and accuracy, and also helped to master the German language perfectly.

School years of German Oskarovich were successful. The boy studied well, was an obedient and disciplined student, without giving his mother trouble with unsatisfactory behavior. The future head of the Ministry of Economic Development and Trade was not distinguished by a craving for science, but he loved sports and was even the captain of the school basketball team.

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After graduating from school, Gref entered MGIMO, but for unknown reasons he dropped out of the university after the first year of study. After the expulsion, the young man was taken into the army, the future economist paid his debt to his homeland in the ranks of the special forces of the USSR Ministry of Internal Affairs. After demobilization, Gref became a student at the Omsk Law State University at the Faculty of Law.

In 1990, Gref entered the Leningrad graduate school, where the former mayor of St. Petersburg, the "godfather" of an economist in a political career, became the supervisor. Thanks to the politician, German Gref got into the St. Petersburg city administration, within the walls of which he met the future leadership of the country - and, as well as other Russian politicians and businessmen from the team of Anatoly Sobchak.

Government

The biography of German Gref received a key direction during the years of perestroika. The economist got the position of head of the special committee for the development of the Russian Federation. German Gref worked as an economic strategist for 7 years, after which his career began to rapidly move towards ascent to the main political arena of the country.

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Economist German Gref

In 1998, he became deputy head of the Ministry of State Property of the Russian Federation. A year later, the economist headed the Center for Strategic Research and joined the board of the Federal Commission for the Securities Market. In 2000, after Vladimir Putin won the presidential election, German Oskarovich was invited to the new government for the post of Minister of Economic Development and Trade of the country.

The main achievements in this position of German Gref were lobbying for the program for Russia's entry into the WTO, reforming the electric power industry and taxation in the country, thanks to which the Russian Federation reached the European level of economically developed countries, received the status of the owner of a market economy and increased its investment rating.

Head of Sberbank of Russia

In 2007, after the complete resignation of the government on the eve of the presidential elections, German Gref completed his ministerial activities, transferring powers to Elvira Nabiullina. On the recommendation of the Supervisory Board of Sberbank of Russia, Gref was elected president and chairman of the board of the country's largest bank, a position he holds to this day.

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Head of Sberbank German Gref and Head of Udmurtia Alexander Brechalov

At the head of Sberbank, Herman achieved significant success - thanks to him, the financial institution became more customer-oriented and expanded its customer base globally, which increased the bank's net profit by 74%. The new head of Sberbank carried out a rebranding, as well as introduced convenient and technologically advanced systems of remote service channels, which made the financial institution a leader among banks in Eastern and Central Europe.

In early 2016, German Gref found himself at the epicenter of a high-profile scandal. At the Gaidar Forum, the banker gave an unexpected assessment of the current position of the country in the international economic market. The former Minister of Economic Development of the Russian Federation called Russia a "downshifter country", which fell into the abyss and technological enslavement in front of the advanced countries of the world.

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State Duma deputies reacted sharply to such unpatriotic statements by the head of Sberbank and called on Gref, after such derogatory assessments, to voluntarily resign as president of the country's largest financial institution.

In 2017, a short video from German Gref's speech at the St. Petersburg Economic Forum appeared on YouTube, which was broadcast on the Russia-24 channel. The head of Sberbank forgot that there was a live broadcast, and spoke out in support of the teachings of Kabbalah. The words of the banker sounded the idea of ​​a people who should not have access to truthful information. Thinking people, according to Gref, are dangerous for government circles that resort to manipulation methods.