Sberbank's RAS net profit for 11 months of 2023 amounted to ₽1.378 trillion, up 8 times from ₽0.175 trillion a year earlier. Net interest income rose 37.8% to ₽2.11 trillion. Fee and commission income rose 16.2% to ₽0.636 billion.

Sberbank intends to increase fee and commission income by 10% next year. Net interest margin is expected to be 5.7%. Ratio of operating expenses to income is 30-32%. Cost of risk - 100-110 basis points.

Sberbank intends to develop a personal financial assistant based on artificial intelligence. Quality of his work and the level of personification will be comparable with the help of personal managers who work with premium clients.

Sberbank's development strategy until 2026 envisages an increase in dividends to 50% of IFRS profit. Return on equity should remain above 22%, and capital adequacy is planned to be maintained at a level above 13% or more.