Sberbank's RAS net profit for the first 9 months of 2025 increased by 6.4% year-on-year to 1.27 trillion rubles. with a return on equity of 22.4%. Profit before income tax increased by 10.1% over the same period. In September, the Savings Bank earned 150.3 billion rubles. net profit (+6.9%), return on equity was 23.8%. This is stated in the message of the bank.
Net interest income for the first 9 months of 2025 increased by 16.6% to 2.2 trillion rubles. Net interest income grew by 25.2% in September.
Net fee and commission income decreased by 2.2% in the first 9 months of 2025 to RUB 538.8 billion (-2.7% per month).
Operating expenses increased by 14.5% in 9 months to RUB 798.7 billion. In September, operating expenses amounted to 96.5 billion rubles and increased by 18.5%.
The cost-to-income ratio for the first 9 months of 2025 was 28.3%.
The retail loan portfolio grew by 1.1% in a month or 3.6% since the beginning of the year, excluding securitization of housing loans and car loan assignments, and amounted to 18.1 trillion rubles. The volume of disbursements amounted to 498 billion rubles per month.
The portfolio of housing loans, excluding securitization, increased by 1.5% in a month or by 7.6% since the beginning of the year, to 11.6 trillion rubles. In September, the bank issued mortgage loans for 280 billion rubles.
The consumer loan portfolio decreased by 0.6% in a month (-12.1% since the beginning of the year), to 3.4 trillion rubles. In September, the disbursements amounted to 151 billion rubles.
The corporate loan portfolio totaled 29.4 trillion rubles, an increase of 2.7% over the month or 7.9% since the beginning of the year, excluding currency revaluation. During the month, 2.6 trillion rubles of loans were issued to corporate clients.
Funds of individuals increased by 0.4% in a month or by 9.7% since the beginning of the year, excluding currency revaluation, to 30.1 trillion rubles.
The funds of legal entities amounted to RUB 12.7 trillion, having decreased by 0.5% since the beginning of the year or by 1.2% over the month, 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.
