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Introduction
sberbank proposition bank management
Operations management is concerned with managing the resources that directly produce the organization’s service or product. The resources will usually consist of people, materials, technology and information but may go wider than this. These resources are brought together by a series of processes so that they are utilized to deliver the primary service or product of the organization.[1]
The term operations management refers to the direction and control of the processes that transform inputs into products and services. Broadly interpreted, operations management underlies all functional areas, because processes are found in all business activities.[2]
According to Professor Jaume Ribera Operations Management can be considering as the art and science of getting things done, i.e., the way organizations produce goods and deliver services. Everything a customer pays for is the outcome of the job of operations managers who organize its production. [3] For example, a laptop purchased through internet, a new book, a financial service, a trip in a bus – all have been produced. People who are response for these different kinds of products and services really manage operations.
Operations and operation management are really important for the organizations.
For the operations manager, the range of products and services on offer has to be managed in order to satisfy the mix of volume and variety for customers. This is achieved by having appropriate process technology in place, which can deal with customer requirements of volume and variety.[4]
Many organizations are involved in three fundamental activities:[5]
ü Identifying potential customers, seeking to understand their needs, and persuading them to use the product or service
ü Providing the product or service efficiently and effectively
ü Managing the organization’s finances to ensure continuing success.
We can refer to these activities as marketing and operations. Both, in general, should be taken seriously, whatever they are called. Classically, marketing looks to improve service and to offer a great number of product choice to the customer; while operations seeks to improve efficiency by longer runs of fewer products and by reducing inventories.
1. Description of the company «The Savings Bank of the Russian Federation (Sberbank)».
The Savings Bank of the Russian Federation, or Sberbank, is the largest bank in Russia. The Bank is a joint stock commercial bank established in 1841 and operated in various forms since then. Today Sberbank is an absolute leader in the Russian banking sector. Sberbank is several times larger than its immediate competitors by its market position, assets, capital, financial results and scale of infrastructure. The scale and stability of the Bank are particularly visible during periods of instability in financial markets The Savings Bank is the biggest taker of deposits in the country and the key lender to the national economy. According to The Banker magazine, as of July 1, 2009, Sberbank was ranked 38th in the world in terms of Tier 1 capital.
Sberbank has the largest countrywide branch network with 18 regional head offices and more than 19,050 retail outlets with about 265,100 employees.[6]
Among the Bank’s clients are private individuals from all over Russia, companies and enterprises of various ownership structures and sectors of the economy, and government agencies.
The mission and core values of Sberbank are to make people’s live better, helping them to fulfill dreams and aspirations.
Current ratings assigned to Sberbank by international rating agencies[7]
| 01.01.2010 | 01.01.2009 | ||
Fitch | Moody’s | Fitch | Moody’s | |
| Long-term currency rating: |
|
|
|
|
Sberbank | BBB | Baa1 | BBB+ | Baa1 |
Russian Federation | BBB | Baa1 | BBB+ | Baa1 |
| Rating of international obligations |
|
|
|
|
Borrowings under MTN Program | BBB | A3 | BBB+ | A2 |
Russian Eurobonds | BBB | Baa1 | BBB+ | Baa1 |
Through the use of a balanced credit policy, the Bank helped many customers to survive the challenges of a crisis time and contributed to stabilization of Russia’s economy and financial markets. The Bank provided around RUB 4,000bn worth of loans to domestic corporate customers and over RUB 400bn to individuals.
Sberbank is continuously and systematically introducing new products and services to meet the needs of its commercial and retail customers. To enhance its domestic operations, Sberbank continued to develop its branch network throughout Russia. The bank has also continued to expand internationally. Sberbank has built one of the world’s most respected financial institutions based on its 165 years of rich history and deep-rooted tradition combined with world-class experience and expertise. The bank has grown from a network of cash savings offices to the largest full-service financial institution in Central and Eastern Europe.
The goal is to deliver customer service with maximum efficiency, and to streamline processes through greater standardization and skilful time management. As part of the reform program, the Bank pays particular attention to training highly professional and proactive staff.
The main customers for Sberbank we can divide for several groups:
Individuals
Small and medium business
Corporate clients
Credit institutions
The key elements of the Marketing Strategy include:Похожие работы
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