@RT_Group I am weary about Sber as despite the fact that it has strong financial covenants and low debt profile, the system of management inside is quite conservative. Yes of course there are a lot of professionals within the confines of the company but still many methods and products remain too much coarse I would say with a very low level of flexibility. And as for dividends policy it is slightly above the risk-free curve that is definitely not enough to provide cover for inflation 🙂