Sberbank's net profit for 8 months of 2025 according to RAS amounted to 1119.6 billion rubles, which is 6.4% more than in the same period of 2024, providing a return on equity of 22.2%. In August, the bank's net profit was 148.1 billion rubles, with a return on equity of 23%. This is stated in the message of the bank.
The retail loan portfolio grew by 1.3% in a month or by 2.4% since the beginning of the year, excluding securitization of housing loans and car loan assignments, and amounted to 17.8 trillion rubles. The volume of disbursements since the beginning of the year has amounted to 527 billion rubles per month.
The portfolio of housing loans, excluding securitization, increased by 1.5% in a month, or by 6% since the beginning of the year, to 11.4 trillion rubles. Mortgage loans issued in August — 267 billion rubles.
The consumer loan portfolio grew by 0.4% over the month and amounted to 3.4 trillion rubles. The decrease in the portfolio since the beginning of the year was 11.6%. In August, consumer loans increased to RUB 189 billion.
Funds of individuals increased by 0.3% in a month or by 9.3% since the beginning of the year, excluding currency revaluation, to 29.9 trillion rubles. Funds of legal entities increased by 4.3% in a month, or 0.6% since the beginning of the year, excluding currency revaluation, and amounted to RUB 12.8 trillion.
Net interest income for 8 months increased by 15.4% to 2 trillion rubles. Net interest income grew by 7.6% in August.
Net fee and commission income decreased by 2.1% in 8 months to RUB 475.6 billion (-4.6% in a month).
The cost-to-income ratio for 8 months was 28.7%.
Sberbank — Sberbank of Russia PJSC (TIN 7707083893) is the largest bank in Russia, Central and Eastern Europe. The Bank is the main creditor of the Russian economy and holds the largest share in the deposit market. Sberbank's services are used by customers in 18 countries around the world. The Bank has a branch network in Russia: about 14 thousand service points. The bank's foreign network consists of subsidiaries, branches and representative offices in the UK, USA, CIS, Central and Eastern Europe, India, China and other countries.
The authorized capital of Sberbank is 67.76 billion rubles and consists of 21586948 thousand ordinary shares and 1 billion preferred shares with a nominal value of 3 rubles. The main shareholder of Sberbank is the Russian Federation represented by the Ministry of Finance of the Russian Federation, which owns 50% of the authorized capital of Sberbank PJSC plus 1 voting share. The remaining 50% minus 1 voting share of the bank's authorized capital is owned by Russian and international investors.
On July 7, 2025, the AK&M rating agency confirmed the highest rating of Sberbank's non-financial statements.
Sberbank's net profit under IFRS in the first half of 2025 amounted to 859 billion rubles, an increase of 5.3% year-on-year.
