Sberbank's 2025 lending boom hits record highs in Southern Russia
Sberbank reported strong lending growth in 2025, with record mortgage issuance and a sharp rise in corporate loans. The bank's total loan portfolio in Southern Russia and the North Caucasus expanded by 14%, hitting 4.157 trillion rubles by year's end. Retail and business borrowing both saw significant increases across key regions.
In December 2025 alone, Sberbank issued a record 82 billion rubles in mortgages. The retail loan portfolio climbed by 9%, reaching 2.1 trillion rubles, while the corporate segment grew by 20%, totalling 2 trillion rubles. Overall, the bank's loan portfolio in the region rose by 513 billion rubles over the year.
Krasnodar Krai led demand for corporate loans, with an increase of 287 billion rubles. The region also saw the highest retail portfolio growth, up by 71 billion rubles. Large consumer purchases and business investments in development drove much of this expansion.
Meanwhile, Rostov Oblast recorded a 14% rise in household savings, with residents holding 1.3 trillion rubles by January 1, 2026. The highest annual volume of consumer loans across the region reached 17.5 billion rubles.
The data highlights a surge in both borrowing and savings across Southern Russia and the North Caucasus. Sberbank's lending growth reflects rising demand for mortgages, corporate financing, and consumer credit. The figures also point to increased financial activity in key regional economies.
