Sberbank's net profit under RAS for the first 11 months of 2025 increased by 8.5% to 1.568 trillion rubles. with a return on equity of 22.5%. In November, the Savings Bank earned 148.7 billion rubles. The net profit showed an increase of 26.8%, and the return on equity was 22.7%. This is stated in the message of the bank.
Net interest income for 11 months increased by 17.3% to 2.8 trillion rubles. Net interest income grew by 16.1% in November.
Net fee and commission income for 11 months decreased by 2.7% year-on-year to 656.2 billion rubles (-3.6% for the month). Operating expenses increased by 14.8% in 11 months to 996.2 billion rubles. In November, operating expenses amounted to 96.7 billion rubles and increased by 16.3%. The ratio of expenses to income for 10 months was 28.7%.
The corporate loan portfolio amounted to RUB 30.2 trillion, an increase of 0.7% over the month and 11.6% since the beginning of the year, excluding currency revaluation. During the month, 1.5 trillion rubles of loans were issued to corporate clients.
The retail loan portfolio grew by 1.4% over the month and by 6.5% since the beginning of the year, excluding securitization of housing loans and car loan assignments, and amounted to 18.6 trillion rubles. The bank issued loans for 588 billion rubles.
Funds of individuals increased by 1.5% over the month and by 14% since the beginning of the year, excluding currency revaluation, to 31.2 trillion rubles. The funds of legal entities amounted to 12.9 trillion rubles, an increase of 1.7% per month or 2.1% 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.
