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Most Russian companies do their banking with Sberbank, the oldest financial institution in the country. But the state-controlled bank, which had revenues of $20.8 billion last year, is only just beginning to act like its Western counterparts. After importing advice from consultancies Bain and McKinsey, the company recently boosted its investment and credit card businesses. Because Sberbank has avoided the credit crunch that's hitting banks in other countries, the business has seen a 40% rise in profits so far this year.

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