)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Sberbank of Russia
Sberbank of Russia (SBER) investor relations material
Sberbank of Russia Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary28 Oct, 2026
Executive summary
9M net income rose 17.0% YoY to RUB 1,529.9bn; Q3 net income increased 13.9% to RUB 510.8bn. ROE was 24.0% for 9M and 23.5% in Q3.
Lending and client funds expanded, while softer economic activity, corporate credit pressure and cash-driven deposit outflows shaped the outlook and risk profile.
Financial highlights
Net interest income rose 24.0% YoY in Q3 to RUB 1,107.7bn and 23.0% in 9M to RUB 3,158.8bn.
Net fee and commission income fell 1.9% in Q3 to RUB 212.3bn, reflecting transactional-service pricing changes; 9M income rose 2.8% to RUB 632.1bn.
Q3 operating income before provisions rose 11.1% to RUB 1,195.7bn; 9M operating income rose 13.3% to RUB 3,489.6bn.
Q3 operating expenses increased 13.7% YoY to RUB 351bn; 9M expenses rose 14.7% to RUB 990.6bn.
Operating profit before tax rose 15.4% in Q3 to RUB 687.5bn and 18.9% in 9M to RUB 2,036.0bn.
Outlook and guidance
2026 GDP growth forecast was revised to 0.5%-1.0%; inflation forecast was raised to 6.5%-7.5%.
2026 average NIM guidance is above 6.2%; Q4 margin is not expected to fall significantly if current liquidity conditions persist.
Full-year cost of risk guidance is below 1.4%, with potential to finish slightly lower; corporate cost of risk may worsen in Q4.
2026 CIR guidance remains 30%-32%; fee and commission income growth guidance remains 0%.
Lending growth guidance remains 8%-10% for corporate and 5%-8% for retail; client-funds growth guidance is 5%-8% for corporate and 10%-12% for retail.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Sberbank of Russia
- Net profit up 18.6% to RUB 1,019.1 bn in H1 2026, with rising credit and liquidity risks.SBER
Q2 2026 - Double-digit profit growth, digital expansion, and strong asset quality reinforce market leadership.SBERInvestor presentation
- AI-powered ecosystem expansion and robust 2026 financial targets drive transformation.SBERInvestor Day 2025
- Net profit up 16.5% YoY to RUB 507.9 bn, with strong loan growth and digital innovation.SBERQ1 2026
- Net profit up 7.9% YoY to RUB 1,705.9 bn, ROE at 22.7%, driven by lending and AI growth.SBERQ4 2025
- Net profit up 5.3% to RUB 859B for H1 2025; capital adequacy at 14.6%.SBERQ2 2025
- Net profit up 6.8% year-over-year to RUB 1.23 trillion, driven by strong loan growth.SBERQ3 2024
- Q2 net profit up 10.1% YoY to RUB 418.7 bn, with robust loan growth and record dividends.SBERQ2 2024
- Net profit surged 74.8% YoY to RUB 1,580.3 bn, with strong loan and digital growth.SBERQ4 2024
Next Sberbank of Russia earnings date
CMD 202612 Nov, 2026
Sberbank of Russia
Next Sberbank of Russia earnings date
CMD 202612 Nov, 2026
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.