The volume of loans issued by Sber to representatives of medium and large businesses using artificial intelligence (AI) technologies has exceeded 7 trillion rubles. This was stated by Anatoly Popov, Deputy Chairman of the Bank's Executive Board.
According to him, the most noticeable effect of AI implementation has been in lending. The main advantages of neural networks in this area are speed and operational efficiency, Popov added.
What AI does:
- analyzes big data
- forms loan offers
- models cash flows
- verifies targeted use of funds
This reduces the amount of manual work for bank employees and shortens the time from application submission to funds disbursement for the client.
Currently, every second loan transaction is processed autonomously without human involvement. Sber has set a goal to increase the share of such loans to 75% starting from January 1, 2027, Popov concluded.
In 2017, Sber AI Lab was launched. The large-scale AI transformation of the bank began in 2023, followed by the integration of generative models from the GigaChat family into the company's internal processes and client services.