In July 2009 Neoflex’s solution was started up for commercial operation in Sberbanks’s Headquarters and in the North West Bank. During the project’s second stage, which was implemented fr om August 2009 to the end of the year, the solution was rolled out to a further seven regional banks: Volgo-Vyatsky, West Urals, North Caucasus, Central Russia, Urals, Central Black Earth, and the South West. This has enabled these banks to start operations with the Loan Factory technology, and as a result, to make a substantial increase in their business efficiency, and reduce the time a client waits for a decision on a loan application from seven days to 1-2 days.

«We are satisfied with the quality of Neoflex’s solution and with the replication process,» says Vadim Kulik, Director of the Retail Risk Department at Sberbank. «Neoflex’s solution is a reliable and flexible integration link in the Loan Factory. With it help we are automating the collection and transfer to the pre-loan processing system all the necessary information about a potential borrower, including data about the status of their accounts in all Sberbank’s branches, and data which we obtain from participants in the loan infrastructure — Credit History offices and other external sources of information. Neoflex strictly observes the deadlines specified for the project, and its team responds rapidly to all questions which arise in the course of the work.»

Neoflex’s solution includes the following: a central integration solution operating in Sberbank’s Headquarters, and a local solution for the regional banks. Both solutions are implemented on the IBM WebSphere integration platform. Data is transferred between the central and local solutions using a transport system constructed using the IBM WebSphere MQ.

The solution contains a set of standard modules and uses unified adapters for the bank’s systems, which allows it easily to adapt having regard to the features of a particular regional bank. As well as rapid replication, this secures an optimal cost for its subsequent support.

Replication of the solution in one regional bank was achieved in a period from two to six weeks, depending on the features of its IT-landscape.

During completion of the project’s second stage, in parallel with the replication Neoflex implemented in its solution Sberbank’s requirements for processing in the Loan Factory technology of applications for new types of personal loan, and vehicle loans.

«The IT landscape which is created during the Loan Factory project above all else facilitates a rapid and high quality assessment of a borrower,» said Alexey Makeev, project director for business SOA at Neoflex. «The best solution of this problem for the bank, which has a complex regional structure, is to build a scalable and flexible SOA-landscape based on commercial platforms. The fact that this solution is being replicated to tight deadlines and strictly in accordance with the schedule confirms the effectiveness of this approach.»

Since 1 January 2010 Neoflex has been providing support to this solution in all of Sberbank Russia’s banks wh ere it is in use. By the middle of this year the solution will embrace the entire structure — it will be replicated by Neoflex to the remaining eight of Sberbank’s regional banks.

Information about Sberbank Russia

You can find further details about the bank on its website:

Press service

Have questions or need more information? Please call the press office on the number
495 984-25-13

Or send an email to

We are happy to help!

Subscribe to newsletter

Be aware of fresh developments in the «Neoflex»


Back to news