Сorporate banking
Corporate business is the Bank’s core area of activity, accounting for around 79% of the loan portfolio and more than 40% of client funds at the end of 2025. As of 31 December 2025, Bank Saint Petersburg serves approximately 62,000 corporate customers, offering a wide range of banking services tailored to the needs of small, medium and large-sized enterprises.
The Bank’s corporate business is concentrated mainly in St. Petersburg and Moscow, with around 8,674 corporate customers served in Kaliningrad and new client relationships developing in Chelyabinsk since December 2025. Bank Saint Petersburg also continues to develop its corporate business in Rostov-on-Don, Krasnodar, Novosibirsk, Vladivostok and Kazan, actively supporting large and medium-sized businesses across a range of industries.
In 2025, the corporate loan portfolio (before deducting provisions) grew by 29.4% to RUB 750.8 bn, well diversified across economic sectors, with manufacturing (20.5%) and leasing and financial services (20.0%) the largest components.
Retail banking
Bank Saint Petersburg is one of the leading players in St Petersburg’s retail banking market. As at 1 January 2026, the Bank serves 2,297,000 private customers, forming a solid base for the future successful growth of its retail business.
Loans and advances to private customers (before provisions for expected credit losses) grew by 23.7% in 2025 to RUB 201.8 bn, including mortgage loans, the largest component, which grew by 31.6% to RUB 164.2 bn. Loans and advances to private customers account for 21.0% of the total loan portfolio.
In 2025, retail deposits grew by 19.5% to RUB 521.3 bn. Retail funds account for 58.7% of the Bank’s total client funds.
Private banking
An individual approach is the key trend in serving the Bank’s clients in the high-net-worth segment. The BSPB Private team has been successfully developing this service philosophy for 17 years, during which it has designed and implemented service standards that meet even the most demanding requirements of clients and their families.
2025 was marked by active and effective work with the Bank’s large corporate business, delivering relevant solutions for its audience’s non-trivial challenges: the client base among beneficiaries of large corporate businesses grew significantly, client loyalty increased, and the average value of banking services rose.
