Here are some distortions in the Sber report.

Officially, the capital adequacy ratio has increased, but if you calculate the ratio of equity to the balance sheet, it has decreased.

This skew means that Sber has bought a lot of government obligations.

Thus, due to this, the liquidity of the market has decreased, the level of available funds has drained and the interest rate has slightly increased.

This also explains the difference between the Central Bank's key interest rate and the inflation rate.