Sberbank a.d. operates in the finance and banking sector. It offers various banking services including accounts and payments, package accounts, savings, and cards. It also offers online banking, mobile banking and automated teller machine (ATM) services. The company has a distribution network in Russia, Great Britain, USA, CIS countries, Central and Eastern Europe, Turkey and other countries. The operating segments of the group are Retail, Corporate, Financial markets and ALM and Central Unit. It derives key revenue from the Retail segment which covers individuals and small and medium-sized businesses.