Sberbank's RAS net profit in January-October 2025 increased by 6.9% to 1.42 trillion rubles. with a return on equity of 22.4%. Profit before income tax increased by 12.5% over the same period. In October, the Savings Bank earned 149.6 billion rubles. The net profit showed an increase of 11.5%, and the return on equity was 22.6%. This is stated in the message of the bank.
Net interest income for the first 10 months of 2025 increased by 17.5% to 2.5 trillion rubles. Net interest income grew by 25.5% in October.
Net fee and commission income decreased by 2.6% year-on-year in the first 10 months of 2025 to RUB 599.4 billion (-6% per month).
Operating expenses increased by 14.6% in the first 10 months of 2025 to RUB 899.5 billion. In October, operating expenses amounted to RUB 100.8 billion and increased by 15.3%.
The cost-to-income ratio for the first 10 months of 2025 was 28.6%.
The corporate loan portfolio exceeded 30 trillion rubles, having increased by 2.6% in a month or by 10.8% since the beginning of the year, excluding currency revaluation. During the month, 3 trillion rubles of loans were issued to corporate clients.
The retail loan portfolio grew by 1.5% in a month or by 5.1% since the beginning of the year, excluding securitization of housing loans and car loan assignments, and amounted to 18.3 trillion rubles. The bank issued loans in the amount of 581 billion rubles.
Funds of individuals increased by 2.4% in a month or by 12.3% since the beginning of the year, excluding currency revaluation, to 30.8 trillion rubles.
The funds of legal entities amounted to RUB 12.7 trillion, an increase of 1.7% over the month or 0.4% since the beginning of the year, excluding currency revaluation.
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.
