Here is an analysis of the reporting and some prospects for receiving dividends.

Sber actively issues loans, and this has a pretty strong effect on the balance sheet.

Picture 1. 

If there is growth somewhere, then there is a fall somewhere.

The balance sheet loses liquidity, which I define as a coefficient:  = 1- loans issued/ balance sheet.

Picture 2.

This is not good for future dividends, which also reduce liquidity.

According to one of my formulas, the dividends should be equal to = net profit * (1- loans issued/ balance sheet).

Picture 3.

The last digit in Figure 3 is multiplied by four to be represented in the year dimension.

Next, let's move on to my second formula, which states that dividends = cash flow * equity adequacy.

Picture 4.

The last number is also represented as for the year.

And finally, the Sber quotation chart in

Figure 5.