📋 Tender Overview
In 9M 2026, Sber clients earned RUB 2.11 tn from deposits and savings accounts, two financial instruments generating additional income from ones savings, with terms that can be tailored to individual goals and plans. The bulk of this interest income, RUB 1.79 tn, came from fixed-term deposits. Between January and September, clients opened 22.9 million such accounts. Term deposits position you to lock in a specific rate of return for a set period, an ideal option, for instance, when saving for a major purchase with a clear idea of when you will need the money. Sber also accrued RUB 321.4 bn in interest on savings accounts. Over the period in question, clients opened 8.03 million such accounts. These are well-suited for more flexible savings management, allowing users to earn interest while maintaining access to funds that might be needed in the near future. In total, clients have opened 30.9 million deposits and savings accounts at Sber since the beginning of the year. These products can be used in combination: one might place a portion of their savings into a fixed-term deposit for future goals, while keeping funds for immediate expenses or unexpected purchases in a savings account. This approach helps in allocating capital based on both savings timeframes and everyday financial needs.
