Sberbank has given forecasts for the main business areas for 2025. The Bank expects growth in lending to individuals by 5%, to legal entities - 9-11%. Commission income growth is expected to be 7-10%. Net interest margin - 5.6%. Cost of risk - 1.5%. Sberbank will maintain capital adequacy at 13.3%, even with the countercyclical surcharge, and will continue paying dividends at 50% of profit. Return on equity will be at least 22%.