Andrey Belevtsev, Senior Vice President, Head of the Technology
Posted: Wed Jan 22, 2025 8:18 am
At the Investor Day conference in Moscow, Sberbank PJSC presented the results of its current development strategy and presented a new one for 2024-2026 ("Strategy 2026"). In it, the Sber ecosystem team will focus on a human-centric business model and pay special attention to the development of a new generation of artificial intelligence (AI).
"In the future, you won't need a programmer to create a chatbot or a website. This can be done with AI. GPT chat and our GigaChat can already do this. But we haven't perfected the technology yet. Our task is to make it so that people, without any special skills in understanding all the complexities of the neural network, can very easily start using AI systems to solve complex problems. We believe that the development of AI will lead to the establishment of a new human-centric model of the economy and the whole society as a whole. We want to be part of this process. Therefore, our priority in the next three years will be the development of a new generation of AI. We will continue to develop and create products, striving to improve efficiency and ensure the safety and reliability of all our services," said German Gref, President and Chairman of the Board of Sberbank, about his plans for the future.
First Deputy Chairman of the Management Board of Sberbank PJSC Kirill Tsarev presented statistics on digital products: "Sber's client base currently consists of 108 million users. Of these, more than 43 million people open the Sberbank Online mobile application every day to resolve various issues. 68 million clients use italy whatsapp number database the free service for logging into websites and applications "Sber ID" as an identification factor. The service can be used not only within the ecosystem, but also to log in to external partners of Sberbank. 22 million clients using "Sber ID" have registered a profile on "Gosuslugi". In "Strategy 2026", we assume cooperation with more than 15 thousand partners, through which you can log in to various services using "Sber ID". In the summer of 2023, we launched a biometric payment service. At the moment, more than 200 thousand terminals allow clients to pay for services using a QR code, face and even just a smile. In In 2024, we will launch a service that will allow you to pay for services using several payment accounts at the same time. Even if there is not enough money in a specific account, the client will not receive a transaction refusal. It will be possible to set up a write-off cascade, which will reduce the number of refusals."
Block at Sberbank, spoke about the GigaChat product: "Generative AI will be an important growth driver all over the world, having a huge effect on the global economy. A large language model and future machine learning architectures are the basis of the new cycle of technological structure, a source of competitive advantage. To lead this trend in Russia, we have developed a large multimodal GigaChat model, which is used by more than 1.5 million people. The chat is available to everyone in Russian. Recently, the model was able to pass the Unified State Exam in social studies with 67 points - this is higher than the national average. GigaChat is already used by more than 2,000 companies. The next generation of AI will become interactive. Models will have deep memory, know the preferences, desires, moods of the client and create content exclusively for one user. This is what we will train our models for in the next three years."
Taras Skvortsov, Vice President and Head of the Finance Block at Sberbank, summed up the financial results for the IT sector and spoke about forecasts for the coming years: "According to analysts, the IT market for corporate clients will grow by 30% by 2026 compared to 2023 and amount to 1.7 trillion rubles. We plan to actively participate in this and enter the market with new products as part of import substitution. By 2026, our revenues in this area will grow at least fourfold due to stable demand for IT products. In 2024-2026, our investments in IT will grow by 1.5 times and reach 450 billion rubles. Every year we disclose the amount that Sber earned from the use of AI. Thus, in total from 2021 to 2023, our profit from AI amounted to 800 billion rubles. All investments pay off at a tremendous speed. We are confident that 2024 will be more successful for us than 2023, which is already the most successful year in the company's history."
"In the future, you won't need a programmer to create a chatbot or a website. This can be done with AI. GPT chat and our GigaChat can already do this. But we haven't perfected the technology yet. Our task is to make it so that people, without any special skills in understanding all the complexities of the neural network, can very easily start using AI systems to solve complex problems. We believe that the development of AI will lead to the establishment of a new human-centric model of the economy and the whole society as a whole. We want to be part of this process. Therefore, our priority in the next three years will be the development of a new generation of AI. We will continue to develop and create products, striving to improve efficiency and ensure the safety and reliability of all our services," said German Gref, President and Chairman of the Board of Sberbank, about his plans for the future.
First Deputy Chairman of the Management Board of Sberbank PJSC Kirill Tsarev presented statistics on digital products: "Sber's client base currently consists of 108 million users. Of these, more than 43 million people open the Sberbank Online mobile application every day to resolve various issues. 68 million clients use italy whatsapp number database the free service for logging into websites and applications "Sber ID" as an identification factor. The service can be used not only within the ecosystem, but also to log in to external partners of Sberbank. 22 million clients using "Sber ID" have registered a profile on "Gosuslugi". In "Strategy 2026", we assume cooperation with more than 15 thousand partners, through which you can log in to various services using "Sber ID". In the summer of 2023, we launched a biometric payment service. At the moment, more than 200 thousand terminals allow clients to pay for services using a QR code, face and even just a smile. In In 2024, we will launch a service that will allow you to pay for services using several payment accounts at the same time. Even if there is not enough money in a specific account, the client will not receive a transaction refusal. It will be possible to set up a write-off cascade, which will reduce the number of refusals."
Block at Sberbank, spoke about the GigaChat product: "Generative AI will be an important growth driver all over the world, having a huge effect on the global economy. A large language model and future machine learning architectures are the basis of the new cycle of technological structure, a source of competitive advantage. To lead this trend in Russia, we have developed a large multimodal GigaChat model, which is used by more than 1.5 million people. The chat is available to everyone in Russian. Recently, the model was able to pass the Unified State Exam in social studies with 67 points - this is higher than the national average. GigaChat is already used by more than 2,000 companies. The next generation of AI will become interactive. Models will have deep memory, know the preferences, desires, moods of the client and create content exclusively for one user. This is what we will train our models for in the next three years."
Taras Skvortsov, Vice President and Head of the Finance Block at Sberbank, summed up the financial results for the IT sector and spoke about forecasts for the coming years: "According to analysts, the IT market for corporate clients will grow by 30% by 2026 compared to 2023 and amount to 1.7 trillion rubles. We plan to actively participate in this and enter the market with new products as part of import substitution. By 2026, our revenues in this area will grow at least fourfold due to stable demand for IT products. In 2024-2026, our investments in IT will grow by 1.5 times and reach 450 billion rubles. Every year we disclose the amount that Sber earned from the use of AI. Thus, in total from 2021 to 2023, our profit from AI amounted to 800 billion rubles. All investments pay off at a tremendous speed. We are confident that 2024 will be more successful for us than 2023, which is already the most successful year in the company's history."