In the Higher School of Economics established engineering training institute Sberbank. This is done through a signed yesterday by President of Sberbank German Gref and the Rector of HSE Yaroslav Kuzminovym three-year agreement on cooperation in educational and research activities.
As described in the signing ceremony Gref and Kuzminov, the institute will form a bank of staff of the most promising in terms of work in Sberbank Alumni HSE.
Gref is confident that the HSE, a suitable place for the implementation of the educational project of Sberbank. «I studied here – would have been 2 times smarter», – he said later, at a lecture to students, describing the brand HSE «high». Students HSE a better chance at a career than students of other universities, said Gref.
Lectures within the framework of the Institute will read Sberbank management: vice-presidents, heads for the bank. Participants and participants of innovative games on the formation and implementation of the strategy the bank will be 3-4 bachelors and masters courses 1 course different faculties HSE (mostly – economics, management, sociology, business, science, the International Institute of Economics and Finance).
As part of the Institute of Sberbank plans to establish a department of banking, finance, financial markets, strategic management, human resource management, information technology. After completion of training courses will be the selection of students for internships in Sberbank, after which you can obtain the offer to work at the bank. «The Institute will bring up people who share the values of Sberbank, and trying to reach the top in business – or even our», – Gref expects.
The Institute will carry out a study commissioned by the Savings Bank.
Credits
At the same time, the Savings Bank will continue to cooperate and HSE to provide education loans to students who receive a degree, MBA, as well as ongoing professional training. Interest rate on loans was 12% per annum, with separate payments (interest accrued on the balance of the debt), the period – up to 8 years, it is possible delay in repayment of principal for a period of training.
«This is a non-for Sberbank project – the rate will be lower than the current cost of funds for Bank», – said Gref. But this project Sberbank wants to show other financial institutions that issue and now educational loans may have said it (the beginning of the crisis, commercial banks ceased lending to education).
However, too to expand its program of educational loan bank has no plans. «Higher education devalued», and do not wish to participate in the content of a huge military budget institutions – universities, his work «disqualified higher education», Gref said. Among the major universities, which operates bank, he called the HSE, ANE, the Finance Academy, NES and SPSU.
Educational loans to Sberbank HSE will be able to get about a thousand students, said Kouzminov. Number of students interested in such loans by 1.5-2 times higher.
About Bankruptcy
After the ceremony Gref responded to several questions. Bankruptcy Proceedings to be severely accelerated, he said, adding that just before the comments submitted to the Ministry of Economic Development to the bill amending the law on bankruptcy.
Now bad situation for debtors and creditors, and bankruptcy in the coming years could be much higher than in previous years. Now the bankruptcy process took 2 years or more, and it is difficult years – «Many [banks] can not survive and they died together with the debtors», Gref said. Therefore, the crisis of bankruptcy proceedings should be speeded up, said Gref.
About buying
Shopping Savings Bank, and the type of acquisition of Canadian company Magna Opel will not be frequent, Gref responded to another question, marveled: «Do you think that shopping? But such purchases in supermakete not made, they require a tremendous resource support ». Of course, now in the world quite a lot of assets at attractive prices, Gref added, but for each of the assets of a complex history.
Limitation on foreign expansion, Russia will be no shortage of money, and managerial capacity, resource management, necessary for the rehabilitation of acquired companies, Gref believes. Therefore, transactions such as purchase of Opel, will be a little bit.
Later, replying to questions after the lectures to students, Gref said that would not want to keep on the balance sheet of the bank not only Opel, but also objects from the insolvent Russian bank borrowers. It is to have such facilities and to implement them when you can get an average rate of return on capital Gref said. Create a number of Savings Bank «Sberbankdevelopment», «Sberbankneft», «Sberbankavto», etc. Bank does not intend to, he added.
About students
Read Gref after signing an agreement with the HSE lecture called «The analysis of the current economic situation in the world and in Russia. The development strategy of the Savings Bank of Russia for the period till 2014 ». But the situation, he almost did not say anything. But details of how the bank is changing, and about happiness. «Gref responded to my basic questions of life», – said after the lecture one of the listeners.
Gref started with something that appealed to students not to waste time in vain. When learn in high school, think ahead at least twice already lived, and so is «all you can afford». «Based on his experience I want to tell you that this is an erroneous position – inspired Gref. – What time do you not do, then you have to catch up in an extraordinary. But in life no longer seems likely to repeat ».
Gref himself, for his recognition, «studied deeply: it was a roll of alcoholic». However, a further story about the students were more likely Gourmet bank. «In the hungry 90’s we went otovarivat vouchers in Kronshtadt» – with food there was better than in Leningrad, he remembered Gref. This, however, were no longer college years. Yurfak Gref zakanchil in Omsk in 1990 and until 1993 did his postgraduate studies at St. Petersburg State University, a legal adviser working in parallel administration Petrodvortsovogo Petersburg area, and soon the head of the agency of the City Property Management in the same area.
Much time Gref then held in the Public Library, where he was an excellent buffet, which could be bought sausages, «in any quantity». In St. Petersburg State University while «it is not possible, Gref added. «Remembering Public Library, I do not even know what is more pain – or to read volumes of sausages», – said Gref.
Academic knowledge, seemingly irrelevant in the study, were in demand during emergency situations, to continue to convince students Gref. Of particular importance are related, seemingly inadequate discipline: «Read horrible. The most stupid subjects are the most important ». Gref then seemed poor accounting, and has passed it, but it is only the third time. «Gref, you’ll know me better accounting», – was confident the teacher. «How she was right», – said Gref.
Daily improve
Turning to the story of the development strategy for the Savings Bank for 5 years, Gref said that the ambitious goal of his team – to make the bank a top financial companies in the world. While the gap between the development of banking technology in Russia and in the world «enormous» – in the Sberbank of different positions, it is 4-10 times, Gref said. According to McKinsey, the average in the Russian retail banking labor productivity is 23% of American levels. Over the next five years, you must create the preconditions for the drastic reduction of the gap, said Gref.
The main thing you need to do – to change, the transformation of people. This is done through developed in recent years, «production system Sberbank». Parents of the system – TPS (Toyota Production System) and the same Lean-technology ( «economically production»). Different parts of the system to establish different corporations, but it never fully implemented, said Gref. That system already operates 46 branches before the end of the year there will be 1800.
The heart of this system – its self-improvement through daily. First, technology is standardized and implemented in the second stage should be to improve the standard, said Gref. LEARNING Then the system will evolve as long as there is an organization, hopes to Gref.
Shared values
LEARNING A key component of the system – people. As shown by Jim Collins in the book «From Good to Great», the success of the companies behind the trends of growth of its industries, depends on people working in them, like Gref.
At the core of most successful organizations in the world – Catholic and Orthodox churches – is shared by their members a common set of values. Practiced church value to a number of people believe it creates a strong foundation fastened, said Gref. Important common values and the state: a powerful and long-lasting growth is observed when the total number of values verbalizuetsya and running and policy makers and society as a whole, where the rules of the game marked accepted by people.
Happiness staff Sberbank
«Therefore, the mission of the Savings Bank, we have recorded that the creation of a successful company, one of the best financial corporations in the world, whose success is based on the feeling of harmony and happiness of its employees», – tells Gref. On this occasion it was a lot of discussion: «We have the same bank. Okay, about money, about profit is inconvenient to write, but about happiness, then why? Better to write about steamlining profit, but so that all understand ». Gref insisted on its position: «can not do without the use of such words». Indeed, happiness – the goal of every human being recalled Gref, and financial well-being schatya does not provide.
«Here is our oligarchs – rich and their world a little. But who is the happiest person », – said the wall Gref. «Prochorov», – suggested someone. «Please do not confuse those who are in the cache, and those who are happy», – Gref said after a pause. More money – more problems, you can sit in the highest positions in the state and corporations, but not be happy. Meanwhile, the happiness – the only goal of all people, has continued to remember Gref Korolenko and Gorky, and happiness – this sense of harmony. The most important thing – to define a set of qualities, which gives each of you the state of happiness, Gref said.
Sberbank – service structure, and high quality service should not require a staff member who is not satisfied with the work, unhappy, ill, do not know how to manage their emotions, does not understand the principles upon which the work of the organization, I’m sure Gref.
And it is not «the truth of books», adds Gref: «When I came in« savings », one of the staff that works here 12 years, said:« You read books, and trying to experiment on us? »I answered:« You know, what is the difference between us? I have read books, went away from them and again they came back, and you do not already have ». The same thing happens to people when growing up: in 12 parents seem to be very clever, by 18 they were a few glupeyut, and 28 again seem very smart. «Attempts to streamline my life led me to the sense of« deja-vu »- I realized that once read all of this in the textbooks.
Formation of dynamic stereotypes
«Quite a long time I thought that the most important qualities – professionalism – Gref admitted. – Recruited a very good professional, but understood that they were wrong ». At the suggestion of one of the students that the most important quality of man – the desire to find truth, Gref said that the most direct path to madness. Truth tried to find very many, but then decided that «the truth in wine», he added. In fact, the main thing – human nature, that is, the linkage between the objectives, principles and habits that allow these goals to achieve, said Gref. The whole success depends on people.
To prove this thesis Gref recalled tales of tennis players. One of them came to God, asked for a strong left-filing, the other – a powerful forehand, and when he came Juan Carlos Ferrero, all the components of good games have already been dismantled. «Take just a little», – asked him God, and Ferrero was the best racket world. By the arrival of Marat Safin in God does not remain absolutely nothing, and he suggested that God «the ability to play as I am, but only if you want». And Ferrero wins, but Safin is playing well once a year, Gref concluded.
Therefore, the main thing – the nature, that is dominant resistance, – a set of habits that we carry on life. It gradually formed: «21 repetition – has a habit». For this discovery, Academician Pavlov gave the Nobel Prize, remembered Gref. Being a great lover of dogs and their eksperementiruya, he has shown that the dynamic stereotype, put into the system, and is nature. A team of people with the correct character – a team of winners, he added Gref himself. «Learn how to shape their attitudes in accordance with the dynamic intelligence, rather than instincts», – this success », – concluded the lecture by Gref.
Conversation with staff
The first question after the lecture dealt with the fact you think Gref that conversations with employees (see her designs here, here and here) can change their character. There are many ways to reach the population, said Gref. In direct communication, he stopped, convinced that the idea until she told the fifth to the first-level management, taking a view that «Mother Mother would not know». Gref then decided to remove intermediaries from the communication.
Gref has begun to send out a monthly letter to staff, only sending about 12. Many have written in response, the proposed changes. A year ago, many members of the Savings Bank did not have e-mail, now the problem is solved.
But few monthly letters – «for the Russian people must be 22 and the daily repetition of incentives», – Gref said, recalling how many have tried to start a new zhizno Monday, but forgot to tell me, what it is. «A lot of human skin and need very strong incentives to encourage people to something», – Gref sure, earlier identified such husks, for example, students believed that everything in front, but now you can relax.
Therefore, from May 15, Bank staff sends daily at 8 am sms, motivating to make changes in their lives and make clear the principles introduced in the Savings Bank. Today, Gref delivered by phone, consisted of statements of Aristotle.
Most employees perceive such letters positively – who earlier, who at a later date. But skeptics in the end leave. But those who drop out of the Savings Bank – are all losers, convinced Gref.
Loyal only to the enemies
Here, the author of the magazine «New Times» Opek.ru Dmitry Krylov applodismenty a strong audience, ask Gref, what values you want to share to people wishing to work in the current government. Recalling that the government does not work, Gref said that the set of values of the transition from one organization to another does not change, a universal system of values articulated in the Bible. Do not change the values and the very Gref – recently he was surprised to find that they have made for myself 20 years ago, the value for this time is almost not changed.
The principles and values are very important, once again, Gref said: «All of our lives virtually, everything that we consider a real life – this is just psychology, our understanding about how life is set up». For many years the society has been taken away from the awareness of this fact, Gref said, which would be called Marxist philosophy «subjective idealism». «The Communists were excellent marketing – added Gref – to sell a [worthless] goods such [great] number of people …»
It is important that the person had value, Gref said, returning to the issue. «I do not believe in personal devotion to the people, it is all complete nonsense. People who demonstrate complete loyalty to, shall deliver the first – he said. – That is why I prefer to work with people who have values. And if they coincide, is an ideal team ».
Support will not be
Then Gref said, the support of any branch bank will provide a preference. «I work in a commercial bank,« support »- this is not about me, – parried Gref. – If I’m going to support all who support me then? »Bank prefers to work with companies that did not commit stupid, but stupidity key -« financing through long and short of money often neokupaemyh projects ». It is important to the quality of management, that were key in the current financial performance and good reputation, Gref added.
Still, he said of priorities. One of them – participated in the Olympic projects. Acquired blocking minority in the construction of a ski resort in Krasnaya Polyana, and, if all goes well, Sberbank would be the alliances and other Olympic projects.
Uncategorized | June 11, 2009 | 
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