Key strategic initiatives
Retail business transformation and scaling
Support for structural transformation of the economy
Development of the best technological platform
2026 Strategic Priorities for business blocks
- Retail Business
- Medium and Small Business
- Corporate-Investment banking
- Technologies
Acceleration of active client base growth
up to 35 million clients – 1/3 of all economically active residents of Russia
Become closer to the client
Be available for more than 100 million people through regional network expansion and delivery
The leader in customer service
Build the best family bank and the best digital bank
Client base expansion
1.5х client base growth
Growth of trust and satisfaction
Offering personalized service and caring about each client in all channels
Best transaction bank for business
Best financial partner on the market
In implementation of large investment projects, expansion of the infrastructural capabilities of the Russian economy
Leadership in servicing clients’ commercial contracts
Breakthrough in developing the international settlement system
In national currencies
Technological sovereignty
Sustainable technological development and migration to VTB’s in-house developed software / Russian domestic software
Exceptional reliability
Retention of the security level when scaling business
Breakthrough technologies and artificial intelligence
Digital financial advisor, personalization, digital financial assets and the digital ruble
Context of the new strategic cycle
Major structural transformations in the economy
- Creation and localization of new production facilities
- Development of new supply chains and logistic corridors
- Support and assistance for new infrastructure projects
- Development of settlements with ‘friendly’ countries in national currencies
- Digital transformation of the economy and reinforcement of technological sovereignty
Increased competition in the financial sector
- Competition between banking industry leaders for the status of the key bank for customers
- Competition for retail financial products and financial products for entrepreneurs from non-financial players
- Development of new partnership models for banks and top retail companies
New consumption patterns and new customer journeys
- Further acceleration and simplification of providing financial products to clients
- High personalization and precision of offers based on advanced client analytics
- AI-based digital assistants
Accelerated implementation of new technologies
- Technological sovereignty and development of open code technologies for business adaptivity
- Significant expansion of application areas for AI-based solutions
Implementation and development of the digital ruble and digital financial assets
- Development of new settlement models between economic entities, including smart contracts
- Active development of the digital financial asset market
- Competition between banks for creation of the most convenient and functional application for working with the digital ruble
Detailed information on VTB Group's strategic financial model is available in the presentation