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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Sberbank of Russia (SBER) investor relations material
Sberbank of Russia Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net profit for the first half of 2025 increased by 5.3% year-over-year to RUB 859.0 billion, with ROE at 23.7%.
Active individual clients reached 111.2 million, and Sber ID users rose by 9.7 million to 104.1 million.
Corporate loan portfolio grew to RUB 27.9 trillion, with market share at 32.4%.
Retail lending growth slowed, with mortgage portfolio up 2.8% in Q2, but consumer loans down 5.1% year-to-date.
Technological advancements include AI integration (Giga Chat, Giga Assistant, GigaChat 2.0), GigaStudio, and SmartContactPlatform.
Financial highlights
Operating income before provisions rose 20.8% year-over-year in H1 2025.
Net interest income for six months was RUB 1,674.2 billion, up from RUB 1,413.1 billion year-over-year.
Net fee and commission income increased 1.2% year-over-year for 6M 2025, totaling RUB 398 billion.
Cost to income ratio year-to-date at 20.7%–27.7%; operating expense ratio improved to 28.4%.
Total assets as of 30 June 2025 stood at RUB 61,468.6 billion.
Outlook and guidance
GDP growth for 2025 expected at lower bound of 1.5–2%; inflation forecast revised down to 6–7%.
Corporate lending growth guidance revised to 7–9% for the year; retail lending portfolio expected to remain flat.
Net interest margin forecast increased to above 5.8% for 2025.
Management continues to monitor high inflation, tight monetary policy, and geopolitical tensions.
ROE target of 22% for 2025 reaffirmed; net profit expected to exceed 2024.
Assess ECL impact of corporate loan LGD changes.
How did key rate changes impact Sberbank?
Detail related party transactions with the government.
How will loyalty program investments affect commissions?
Optimal provisioning level for problem loans?
Sber's strategy shift: ecosystem or AI priority?
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Next Sberbank of Russia earnings date
Q3 202530 Oct, 2025
Next Sberbank of Russia earnings date
Q3 202530 Oct, 2025
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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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