geomarketing Possibilities of Geomarketing to Determine the Optimal Location of the Banking Department (with the Branch Network of Sberbank, Saratov as an Example) Authors: Vinogradova V. D., Molochko A. V., Morozova V. A. The article presents the practical implementation of geomarketing tools and GIS technologies in the search for ways to optimize, as well as more successful operation of the branches of PJSC Sberbank in Saratov.