Sberbank of Russia (MOEX:SBER)

Sberbank of Russia Income Statement

Financials in millions RUB. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	8,651,600	6,857,100	4,217,500	3,304,500	2,511,500
Interest Income on Investments	-	993,900	647,200	287,700	243,800	187,600
Total Interest Income	-	9,645,500	7,504,300	4,505,200	3,548,300	2,699,100
Interest Paid on Deposits	-	5,662,400	4,185,800	1,771,600	1,514,500	792,600
Interest Paid on Borrowings	-	271,400	182,500	63,900	70,300	69,800
Total Interest Expense	-	5,933,800	4,368,300	1,835,500	1,584,800	862,400
Net Interest Income	3,863,600	3,711,700	3,136,000	2,669,700	1,963,500	1,836,700
Net Interest Income Growth (YoY)	17.96%	18.36%	17.47%	35.97%	6.90%	11.14%
Gain (Loss) on Sale of Investments	4,800	4,800	2,400	5,400	400	3,700
Gain (Loss) on Sale of Equity Investments	-100	-100	7,500	-	-	-
Other Non-Interest Income	689,900	688,600	560,600	599,800	109,000	707,600
Total Non-Interest Income	694,600	693,300	570,500	605,200	109,400	711,300
Non-Interest Income Growth (YoY)	8.21%	21.52%	-5.73%	453.20%	-84.62%	29.63%
Revenues Before Loan Losses	4,558,200	4,405,000	3,706,500	3,274,900	2,072,900	2,548,000
Provision for Loan Losses	668,800	646,600	442,800	235,400	450,500	138,700
Revenue	3,889,400	3,758,400	3,263,700	3,039,500	1,622,400	2,409,300
Revenue Growth (YoY)	15.46%	15.16%	7.38%	87.35%	-32.66%	32.91%
Federal Deposit Insurance	155,700	155,700	136,400	105,100	88,500	77,300
Selling, General & Administrative	1,230,100	1,230,100	1,055,500	894,400	726,500	834,400
Other Non-Interest Expense	44,100	7,300	7,100	30,000	-	-
Total Non-Interest Expense	1,429,900	1,393,100	1,199,000	1,029,500	815,000	911,700
EBT Excluding Unusual Items	2,459,500	2,365,300	2,064,700	2,010,000	807,400	1,497,600
Asset Writedown	-115,300	-115,300	-30,100	-25,300	-221,500	-42,400
Pretax Income	2,344,200	2,250,000	2,034,600	1,984,700	585,900	1,455,200
Income Tax Expense	566,500	544,100	454,300	476,100	154,800	289,300
Earnings From Continuing Operations	1,777,700	1,705,900	1,580,300	1,508,600	431,100	1,165,900
Earnings From Discontinued Operations	-	-	-	-	-143,300	80,000
Minority Interest in Earnings	1,500	1,500	1,300	3,200	4,600	4,800
Net Income	1,779,200	1,707,400	1,581,600	1,511,800	292,400	1,250,700
Preferred Dividends & Other Adjustments	43,300	43,300	42,000	33,900	9,700	27,800
Net Income to Common	1,735,900	1,664,100	1,539,600	1,477,900	282,700	1,222,900
Net Income Growth	9.83%	7.95%	4.62%	417.03%	-76.62%	64.33%
Basic Shares Outstanding	21,391	21,400	21,400	21,400	21,400	21,500
Diluted Shares Outstanding	21,391	21,400	21,400	21,400	21,400	21,500
Shares Change (YoY)	-0.04%	-	-	-	-0.46%	-
EPS (Basic)	81.15	77.76	71.94	69.06	13.21	56.88
EPS (Diluted)	81.15	77.76	71.94	69.06	13.21	56.88
EPS Growth	10.05%	8.09%	4.17%	422.78%	-76.78%	65.82%
Dividend Per Share	-	-	34.800	33.300	25.000	-
Dividend Growth	-	-	4.50%	33.20%	-	-
Effective Tax Rate	24.17%	24.18%	22.33%	23.99%	26.42%	19.88%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.