BSP Financial Statements (BSPB)
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Report date
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12.03.2020 |
10.03.2021 |
09.03.2022 |
24.03.2023 |
06.03.2024 |
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20.11.2024 |
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Currency
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RUB |
RUB |
RUB |
RUB |
RUB |
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RUB |
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Financial report URL
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Annual report URL
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Presentation URL
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Net operating income, bln rub |
? |
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30.9 |
37.9 |
44.5 |
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73.6 |
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Net interest income, bln rub |
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23.3 |
25.5 |
28.1 |
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50.8 |
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66.6 |
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Net commission income, bln rub |
? |
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6.80 |
7.50 |
9.00 |
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12.5 |
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10.8 |
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Income on securities, bln rub |
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-0.700 |
2.50 |
5.30 |
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10.3 |
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8.31 |
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Net profit, bln rub |
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7.91 |
10.8 |
18.1 |
47.5 |
47.8 |
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48.0 |
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OCF, bln rub |
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24.7 |
28.8 |
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Dividend payout, bln rub
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1.59 |
2.17 |
0.002 |
15.2 |
19.6 |
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23.0 |
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Dividend, rub/share
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3.33 |
4.56 |
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32.97 |
42.45 |
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50.63 |
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Ordinary share dividend yield, %
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5.9% |
8.8% |
0.0% |
33.0% |
19.7% |
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13.0% |
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Preferred share dividend, rub/share
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0.11 |
0.22 |
0.11 |
0.33 |
0.44 |
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0.44 |
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Preferred share dividend yield, %
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11.0% |
22.0% |
0.6% |
1.3% |
0.9% |
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0.6% |
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Dividend payout ratio, %
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20% |
20% |
0% |
32% |
41% |
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48% |
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OPEX, bln rub |
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14.1 |
15.2 |
16.8 |
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23.6 |
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23.4 |
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Employment expenses, bln rub |
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6.45 |
7.58 |
8.51 |
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Creation of provision for loan impairment, bln rub |
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7.89 |
8.85 |
4.60 |
7.57 |
0.000 |
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4.92 |
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Write off loans, bln rub |
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6.20 |
6.10 |
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Cash, bln rub |
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42.6 |
60.3 |
34.1 |
47.4 |
55.9 |
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33.3 |
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Net debt, bln rub |
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-42.6 |
-60.3 |
-34.1 |
-47.4 |
-55.9 |
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-33.3 |
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Bank assets, bln rub |
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673.7 |
730.2 |
796.6 |
839.3 |
1 057 |
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1 037 |
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Capital, bln rub |
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80.1 |
88.7 |
97.0 |
144.8 |
173.9 |
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200.7 |
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Loan portfolio, bln rub |
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401.5 |
459.3 |
513.9 |
553.7 |
686.3 |
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739.7 |
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Corporate loans, bln rub |
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298.5 |
344.0 |
378.6 |
416.7 |
527.4 |
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554.3 |
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Retail loans, bln rub |
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99.1 |
111.0 |
131.9 |
137.0 |
158.9 |
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154.5 |
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Deposits, bln rub |
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417.6 |
479.1 |
505.2 |
641.3 |
646.4 |
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619.4 |
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Corporate deposits, bln rub |
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168.6 |
194.9 |
204.2 |
333.0 |
250.9 |
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240.1 |
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Retail deposits, bln rub |
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249.0 |
276.0 |
295.1 |
328.3 |
395.6 |
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374.8 |
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Provision for loan impairment, bln rub |
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33.4 |
39.8 |
40.1 |
42.6 |
34.6 |
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Core capital adequacy ratio, % |
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11.5% |
9.60% |
11.2% |
18.1% |
18.6% |
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17.0% |
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Total capital adequacy ratio, % |
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14.8% |
13.5% |
13.4% |
20.3% |
20.3% |
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22.5% |
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Cost of risk ratio, % |
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1.80% |
2.10% |
1.10% |
1.30% |
-0.700% |
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0.675% |
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Loan to deposit ratio, % |
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96% |
96% |
102% |
86% |
106% |
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119% |
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Share of non-performing loans, % |
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9.20% |
10.4% |
8.90% |
8.50% |
5.20% |
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Ordinary share price, rub |
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56.3 |
51.8 |
82.1 |
100.0 |
215.6 |
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390.8 |
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Number of ordinary shares, mln |
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475.6 |
475.6 |
461.9 |
461.9 |
461.9 |
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461.9 |
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Preferred share price, rub |
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1.000 |
1.000 |
18.9 |
25.4 |
48.6 |
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68.8 |
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Number of preferred shares, mln |
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20.1 |
20.1 |
20.1 |
20.1 |
20.1 |
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20.1 |
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Free Float, % |
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35.2% |
35.2% |
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Insider ownership, % |
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50.6% |
51.8% |
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Market cap, bln rub |
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26.8 |
24.6 |
38.3 |
46.7 |
100.6 |
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181.9 |
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EV, bln rub |
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-15.8 |
-35.6 |
4.27 |
-0.66 |
44.7 |
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148.6 |
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EPS, rub |
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16.6 |
22.7 |
39.2 |
102.8 |
103.5 |
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103.9 |
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ROE, % |
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10.2% |
12.9% |
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26.8% |
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ROA, % |
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1.4% |
1.5% |
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Net intertest margin, % |
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3.70% |
3.90% |
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5.90% |
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6.87% |
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Bank margin, % |
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25.6% |
28.5% |
40.7% |
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64.9% |
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P/E |
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3.39 |
2.28 |
2.12 |
0.98 |
2.10 |
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3.79 |
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P/B |
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0.33 |
0.28 |
0.40 |
0.32 |
0.58 |
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0.91 |
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Employees, people |
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4 258 |
4 220 |
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Labour productivity, mln rub/person/year |
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7.26 |
8.98 |
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Expenses per employee, thousand rub |
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1 516 |
1 796 |
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| BSP shareholders |
