Sberbank has lowered earnings forecast for 2008 to at least 113 billion rubles, told reporters on Tuesday

"the results of December is not known, but (probably) by the year no less than 113 billion rubles. Predict the results of December heavy. We are creating increased reserves to the next year to feel more confident. It is important to create stability for the next year. Profit is not the key indicator "- Gref said. Earlier, the bank planned to net income for 2008 amounting to 130 billion rubles. Like the head of Sberbank, told reporters that next week the bank would consider a business plan for 2009 which includes significant cost reductions. The the question of the proposed on Monday the bank measures to restructure the debt on loans of citizens, Gref said: "This is not charity on the part of the bank, this sober approach." The head of the bank added that in emergency situations, people need help. "It is impossible to drive them into a corner. The solution is more civilized than face the problem of non-payment, when it is necessary to create additional reserves ", - Gref said.