)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
Sberbank of Russia
Sberbank of Russia (SBER) investor relations material
Sberbank of Russia Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Net profit for 2025 rose 7.9% year-over-year to RUB 1,705.9 bn, with ROE at 22.7%, surpassing targets despite challenging macroeconomic conditions.
Maintained leadership in retail and corporate lending, expanded client base to 110.7 mn retail and 3.5 mn corporate clients, and continued ecosystem and AI-driven service development.
AI integration and digital transformation delivered significant operational efficiencies, with over 670 GenAI initiatives and an economic effect exceeding RUB 450 bn.
Sber maintained top global acquirer ranking, handling 10% of global transactions and launching innovative payment solutions.
Auditor issued an unmodified opinion, confirming IFRS compliance.
Financial highlights
Net profit increased by 7.9% YoY to RUB 1,705.9 bn; ROE at 22.7%; EPS rose to RUB 77.81.
Net interest income up 18.6% YoY to RUB 3,556.0 bn; operating income before provisions up 16.6% YoY.
Capital increased by 16.4% to RUB 8.3 trn; capital adequacy ratio (N20.0) at 13.7%.
Record-high dividends of RUB 786.9 bn paid; 50% to minority shareholders and 50% to the state.
Cost-to-income ratio stable at 30.3%; cost of risk at 1.3%.
Outlook and guidance
2026 targets reaffirmed: maintain ROE at 22%, capital adequacy at 13.3%, and 50% dividend payout.
Management expects a challenging year due to gradual rate reductions and macroeconomic headwinds but remains committed to strategic goals and operational resilience.
Focus on scaling AI solutions and enhancing business efficiency.
Future GenAI economic impact targets?
Impact of new regulations on retail loan growth?
NFCI growth strategy beyond one-offs?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Next Sberbank of Russia earnings date
Q1 202627 Apr, 2026
Sberbank of Russia
Next Sberbank of Russia earnings date
Q1 202627 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage