Below are the financial statements of Sberbank Rossii, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in billions of RUB | 2024 | 2023 |
|---|---|---|
| Interest income calculated using the effective interest method | 6,857.1a | 4,217.5a |
| Other interest income | 647.2a | 287.7a |
| Interest expense calculated using the effective interest method | -4,185.8a | -1,771.6a |
| Other interest expense | -182.5a | -63.9a |
| Deposit insurance expenses | -136.4a | -105.1a |
| Net interest income | 2,999.6a | 2,564.6a |
| Net credit loss allowance charge for debt financial assets | -442.8a | -235.4a |
| Net interest income after credit loss allowance charge for debt financial assets | 2,556.8a | 2,329.2a |
| Fee and commission income | 1,172.1a | 1,074.7a |
| Fee and commission expense | -329.2a | -310.8a |
| Net (losses) / gains from non-derivative financial instruments at fair value through profit or loss | -59.6a | 25.8a |
| Net gains from financial instruments at fair value through other comprehensive income | 2.4a | 5.4a |
| Net gains from derivatives, trading in foreign currencies, foreign exchange and precious metals accounts translation | 33.7a | 68.4a |
| Net losses arising on initial recognition and modification of financial instruments measured at amortized cost | -25a | -42.9a |
| Net losses from revaluation of office premises | 0a | -6.4a |
| Impairment of assets | -30.1a | -18.9a |
| Net charge for other provisions and allowances | -1a | -27.9a |
| Revenue of non-core business activities | 505.5a | 371.8a |
| Costs and other expenses of non-core business activities | -789.6a | -597.8a |
| Insurance revenue | 227.4a | 216.8a |
| Insurance service expenses | -84.4a | -82.3a |
| Insurance finance expenses | -129.3a | -144.7a |
| Other net operating income | 47.5a | 48.7a |
| Operating income | 3,097.2a | 2,909.1a |
| Staff and administrative expenses | -1,062.6a | -924.4a |
| Profit before tax | 2,034.6a | 1,984.7a |
| Income tax expense | -454.3a | -476.1a |
| Profit for the year | 1,580.3a | 1,508.6a |
| Attributable to | — | — |
| Shareholders of the Bank | 1,581.6a | 1,511.8a |
| Non-controlling interest | -1.3a | -3.2a |
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