polikova stated this at the ban conference. transformation of the economy. back in march, the regulator expected sector revenues of no more than 2.800 billion rubles. the current forecast is at least half a trillion more. in the first quarter, sbr received 364 billion rubles of net profit. growth compared to last year by almost 4%. this is stated in the ras report. the bank's return on capital is 22%. the total loan portfolio exceeded 39 trillion rubles. a there are more depositors' funds. at the end of the quarter , almost 109 million people and more than 3 million companies were sberbank clients. visa and master card subsidiaries in russia have sharply improved their financial performance, despite the cessation of work in the country. thus , at the end of the year, mastercard earned more than 5 billion rubles in net profit, against a two-billion-dollar loss a year earlier. visa for the year reduced losses six times from 120 million rubles to 20. according to the data. the reason is a radical reduction in expenses and revaluation of foreign currency assets.