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Sberbank of Russia (SBER) investor relations material
Sberbank of Russia Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net profit for nine months of 2025 rose to RUB 1.307 trillion, up 6.5%-9% year-over-year, with Q3 net profit at RUB 448 billion and ROE at 23.7%.
Active retail clients increased by 600,000 to 110.5 million; Sber ID users reached 110.1 million, and SberSpasibo loyalty program members totaled 98.7 million.
Corporate clients grew by 120,000 to 3.4 million; Sber Business Spasibo program reached 864,000 companies.
New products launched include proprietary iOS payment technology, Russia's first automatic Social Security tax refund platform, and AI-powered consumer devices.
Financial statements for the period were prepared in accordance with IAS 34, with no material misstatements identified.
Financial highlights
Net interest income for nine months rose to RUB 2,568 billion, up 17.3%-18% year-over-year; Q3 net interest income at RUB 894 billion.
Total operating income before provisions for nine months reached RUB 3.079 trillion, up 17.4% year-over-year.
Operating expenses increased 12.5%-14.4% over nine months, with the expense-to-income ratio improving to 28%-28.7%.
Equity grew 9.7% to RUB 7.9 trillion; total assets increased to RUB 64.47 trillion.
Earnings per share for nine months were RUB 59.61, up from RUB 55.93.
Outlook and guidance
GDP growth forecast for 2025 revised down to 0.5%-1%; inflation forecast at 6.5%-7.5%.
Net interest margin forecast for 2025 raised to above 5.9%.
Net fee and commission income growth target lowered to 3%-5% for the year.
Cost of risk guidance for 2025 maintained at 150 bps.
Management continues to monitor high inflation, tight monetary policy, and sanctions, focusing on operational sustainability.
How did ECL model changes affect 9M 2025 allowance?
Why did staff costs rise despite lower headcount?
Given geopolitical risks, assess short-term liquidity.
Clarify VAT impact on banking operations and fees.
Intangible asset regulation's CAR impact?
Corporate non-payment trend: any SberIndex plans?
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Next Sberbank of Russia earnings date
Q4 202526 Feb, 2026
Next Sberbank of Russia earnings date
Q4 202526 Feb, 2026
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Frequently asked questions
Sberbank of Russia is a major banking institution that provides a wide range of financial services including retail banking, corporate banking, investment banking, and insurance products. It operates through a broad network of branches and digital platforms, serving individuals, businesses, and government entities. The bank is also active in fintech and innovation-driven services. Sberbank of Russia is headquartered in Moscow, Russia, and its shares are listed on the MOEX.
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