Russian banks paid clients 200 billion rubles. cashback – Kommersant

The largest Russian banks in 2023 in ruble equivalent paid cashback to clients in the amount of 200 billion rubles. This amount also includes bonuses. results “Vedomosti” were presented by representatives of Sberbank, VTB, Sovcombank and Tinkoff Bank.

Representatives of the largest banks note that payments and expenses under loyalty programs have increased significantly compared to 2022, when the same banks issued more than 150 billion rubles to customers. cashback.

Tinkoff accrued the most cashback to clients – over the past year the bank returned 83 billion rubles. cashback, or 28% more than in 2022. At the same time, 1 billion rubles. The bank returned the purchases through its own payment method, Tinkoff Pay.

Sberbank clients wrote off 140 billion bonuses for purchases under the Sberspasibo program, or 2.3 times more than a year earlier (60 billion bonuses). Converting bonuses into rubles is difficult, since Sberbank uses a differentiated system – the exchange rate is in the range of 0.5–0.8 rubles. for one bonus (depending on the subscription and package of additional services). When converting at the lower limit, clients could receive 70 billion rubles, when converting at the upper limit – 112 billion rubles. At Sberbank over the year, the number of participants in the “Sberthank you” program increased by 10 million people, to 78 million.

VTB clients wrote off 24.3 billion accruals in bonuses and rubles, or 6% more than last year. In multibonuses, the bank transferred 22.8 billion to clients (+12% compared to 2022), of which 7.4 billion were spent by clients on the purchase of goods under the program, another 11.1 billion were exchanged for rubles in the ratio of 1 bonus – 0.85 rub. (total 9.4 billion rubles). VTB considers the reason for the increase in bonus accruals to be a general increase in customer spending against the backdrop of market growth.

Sovcombank paid clients more than 3.5 billion rubles. points, or 10% more than in 2022. At Promsvyazbank, the volume of cashback accruals increased by 20% year on year. Alfa Bank and Dom.RF Bank paid out twice as much cashback as a year earlier. The banks did not provide absolute figures.

In 2022, bank clients most often wrote off bonuses for services related to construction and entertainment. In 2023, they were replaced by supermarkets, cafes and restaurants. At Alfa Bank, clients increased spending by 25% in supermarkets and by 53% in cafes and restaurants. These expenses were included in the top 5 for Sberbank, VTB, and Dom.RF Bank.

Most often, clients receive cashback for everyday purchases: in supermarkets, at gas stations, for auto services, household goods and repairs, clothes and shoes, pharmacies, travel, taxis and transport, equipment.

Anastasia Larina