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About us

Mission and Vision

SDM-Bank was founded in September, 1991.

SDM-Bank has successfully developed three principal business lines:

SDM-Bank’s History

2016   Fitch Rating upgrade   Fitch Ratings upgraded SDM-Bank's Long Term Issuer Default Rating (IDR) to 'BB' (Stable Outlook) from 'B-'
2015   Expert RA rating obtained   RAEX (Expert RA) rated SDM-Bank at А+ solvency level (‘Very high solvency level’) with positive outlook
    MIR payment system   SDM-Bank joined the Russian payment system MIR
2014   EBRD Financing   RUB 150 mln SME financing loan from EBRD
    State Guarantee Funds   Partnering with SME Bank and funds providing guarantees on SME loans
    MasterCard Direct Transactions   Switching to direct transactions with MasterCard payment system
2013   RusRating upgrade   SDM-Bank national rating upgraded to «AA-», international rating - to «BBB-»
    Fitch Ratings upgrade   SDM-Bank national and international long term IDR upgraded from «B» to «В+»
    VISA direct connection   SDM-Bank transferes to direct VISA transactions
    SDM-Bank bond issue   SDM-Bank places debut Ruble bond issue. SDM-Bank bonds registered on the Bank of Russia Lombard list
2012   Precious Metals License   SDM-Bank obtains Precious Metals license
    New Branch   Yekaterinburg branch is opened
    New Membership   SDM-Bank becomes a principal member of VISA International
    New Membership   SDM-Bank joins the Association of Factoring Companies
    EDMS   SDM-Bank implements Electronic Document Management System
2011   EBRD   Subscription Agreement to buy 15 percent stake in SDM-Bank
    RusRating   Upgrade from ‘BB’ to ‘BB+’ with ‘Stable Outlook’
2010   EBRD   SME and Micro-credit Financing Tranche for RUB 142,5 mln
    World Business Capital   New 10-year loan for USD 5mln for financing of SME portfolio
    Fitch Upgrade   Upgrade from ‘B-‘ to B’ with ‘Stable Outlook’
2009   RBD SME Loan   SDM-Bank selected for a 3-year RUB 100mn SME Loan facility
2008   Fitch Ratings   SDM-Bank obtains its first Fitch Rating of ‘B-’
    Deere Credit   SDM-Bank signs a US$ 4.9mn loan agreement
    New Branches   Omsk Branch is opened
2007   World Business Capital   SDM-Bank signs a US$ 1.12mn 5-year loan agreement
    New Branch   Rostov-on-Don Branch is opened
2006   World Business Capital   SDM-Bank signs a US$ 7.5mn 1o-year loan agreement
    New Branch   Taganskoe Moscow Branch is opened
    Safe Deposit Boxes   Safe Deposit Box Service is launched
2005   PLAT-FORMA POS Launch   PLAT-FORMA POS system is launched and the first collection machine is installed
    New Branch   Nizhni Novgorod Branch is opened
2004   World Business Capital   SDM-Bank signs an agreement to finance US imports
    New Branch   Two new Moscow Branches are opened
2003   USAID   Five-year SME loan guaranteed agreement signed
    New Branch   Tver Branch is opened
        Two new Moscow Branches are opened
2002   New Branches   Additional Moscow Branch is opened
2001   VISA, CIRRUS, MAESTRO   Credit and Debit on-line card services are launched
2000   New Branch   St. Petersburg Branch is opened
1999   New Branch   10 Moscow Corporate Offices are opened
1998   London   SDM-Bank’s London representative office is opened
1997   MasterCards   SDM-Bank issues the first MasterCards
    World Bank and EBRD   SDM-Bank is included in the Financial Institutions Development Project
    Share Capital   Share capital is increased from RUB 15bn to RUB 40bn
    Investment and Brokerage License   SDM-Bank obtains brokerage, dealer, depository and investment trust management licenses
1996   New Branch   A new Moscow Branch is opened
1995   New Branch   Voronezh and Perm Branches are opened
1994   VISA   SDM-Bank issues first VISA Debit and Credit cards
    First ATM   SDM-Bank installs its first ATM
    New Branches   Krasnoyarsk Branch is Opened
1993   First Branches   First Two Moscow Branches are opened
    Correspondent Banks   The first foreign correspondent account is opened
1992   SDM-Bank Launch   SDM-Bank launches its business operations
1991   Foundation   SDM-Bank is founded on September 17, 1991
    Registration   Central Bank of the Russian Federation registers SDM-Bank on December 9, 1991 (Registration Number 1637)


The Bank with a human face. The Bank with whom you can talk to and find solution. 

We contribute to the development of small and medium enterprises in Russia providing accessible loans and other financial services.

Responsibility, competence, conservatism, prudence, attention to details. 

SDM-Bank stands for long-term relationships with our clients and partners. We aim to create long-term value solutions that withstand the test of time across economic cycles.

What our stakeholders can expect from SDM-Bank:

A credit rating is an assessment of the solvency or credit-worthiness of creditors and/or bond-issuers according to established credit review procedures. These ratings and associated research analyse the credit risks associated with the bank by providing detailed information on the bank's ability to meet its obligations. Ratings are continuously monitored.

SDM-Bank is rated by the leading independent rating agencies. We present the ratings below.

Current rating   BВ-   BBB- A+  
Outlook   Stable   Stable Positive  
Last update   October 21, 2016   On quarterly basis August 2016  
Ratings launch   December 2008   November 2003 August 2015  
Additional information  


Short term IDR: B

Viability rating: bb-

National long term rating: A+(rus)

Outlook stable


National scale: AA-

Outlook stable

Sublevel: one

(Sublevel represents sub-classes within the A and A+ ratings classes: the first (the highest sub-class within this level), the second (medium sub-class) and the third (bottom sub-class within this rating))



The rating agency reports presented on our website are publicly accessible information. These reports do not represent SDM-Bank's opinion and are presented as references. SDM-Bank accepts no liability for the completeness, timeliness, accuracy or selection of such information.

Rating scale:

  • RusRating

BBB(+/-): Creditworthiness slightly above average relative to other Russian borrowers. Financial condition judged satisfactory and stable.
High resilience to short-term stresses but above-average sensitivity in the longer term.


  • Fitch Ratings

BB: Speculative. 'BB' ratings indicate an elevated vulnerability to default risk, particularly in the event of adverse changes in business or economic conditions over time; however, business or financial flexibility exists which supports the servicing of financial commitments. 


  • Expert RA

A+: Very high level of creditworthiness. The bank is highly likely to ensure timely fulfilment of all its financial liabilities, both current and those which arise in the course of its activity. Liabilities are highly likely to be fulfilled even with worsening macroeconomic and market indicators.



SDM-Bank was founded in September, 1991.

To see SDM-Bank Charter (last update - January 2016), please click here (scroll down the document to see the English version of the Charter).

SDM-Bank has successfully developed three principal business lines:

SDM-Bank's Balance Sheet for FYE15 is RUB 49.7 billion according to IFRS (USD 0.7 billion).

The Bank is headquartered in Moscow, and has 14 full-service offices and 25 satellite offices, 9 regional branches in Perm, Voronezh, Saint-Petersburg, Krasnoyarsk, Tver, Nizhniy Novgorod, Omsk, Rostov-on-Don and
Yekaterinburg, Nizhniy Novgorod, Omsk and Rostov-on-Don, and Yekaterinburg, and also has a representative office in London.

The Bank maintains around 15 000 business and 85 000 private customers.

The Bank employs over 700 staff members.

Fitch Ratings rates SDM-Bank 'BB-' with 'Stable Outlook'.

Expert RA rates SDM-Bank 'A+' with 'Positive Outlook'.

SDM-Bank is a participant of the Deposit Insurance System since October 14, 2004.

To read more about the Deposit Insurance System and the state corporation Deposit Insurance Agency, please, click here.