Question

Как образованы слова: сбербанк спецкурс

Answer 1

Сберегательный+банк(способ сложения),  специальный+курс(способ сложения). 

Answer 2

Etymology of the words "Sberbank" and "special course"

The word Sberbank comes from the Russian words "сберегать" (sberagat') which means "to save" and "банк" (bank) which means "bank". So Sberbank literally means "Savings Bank". It is the largest bank in Russia that was originally established in 1841 to encourage personal savings among the general public.

The term special course refers to the exchange rate set by the Central Bank of Russia for certain transactions, such as currency purchases by individuals over a certain amount. The special course rate is usually higher than the official rate and lower than the market rate. It aims to balance demands for foreign currency and control capital outflows.

Details on Sberbank special course

Sberbank offers currency exchange services to individuals and legal entities based on both the official rate and the special course rate set by the Central Bank of Russia. For individuals, the special course rate applies to currency purchases over an equivalent of $10,000 USD per month. The difference between the official and special course rates depends on the currency and market conditions. For example, as of today, Tuesday, November 28, 2023 06:24:14 UTC, the official USD/RUB rate is around 64.5 rubles/dollar, while Sberbank's special course rate is 65 rubles/dollar.