BSP Financial Statements (BSPB)

Банк Санкт-Петербургsmart-lab.ru   2020 2021 2022 2023 2024   LTM ?
Report date 10.03.2021 09.03.2022 24.03.2023 06.03.2024 06.03.2025   06.03.2025
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Annual report URL  
Presentation URL  
Net operating income, bln rub ? 37.9 44.5 73.6 93.1  
Net interest income, bln rub ? 25.5 28.1 50.8 70.6   70.6
Net commission income, bln rub ? 7.50 9.00 12.5 11.6   11.6
Income on securities, bln rub ? 2.50 5.30 10.3 10.9   10.9
Net profit, bln rub ? 10.8 18.1 47.5 47.8 50.3   50.3
OCF, bln rub ? 24.7 28.8  
Dividend payout, bln rub 2.17 0.002 15.2 19.6   12.2
Dividend, rub/share ? 4.56 32.97 42.45   27.26
Ordinary share dividend yield, % 8.8% 0.0% 33.0% 19.7% 0.0%   6.8%
Preferred share dividend, rub/share 0.22 0.11 0.33 0.44   0.22
Preferred share dividend yield, % 22.0% 0.6% 1.3% 0.9% 0.0%   0.3%
Dividend payout ratio, % 20% 0% 32% 41% 0%   24%
OPEX, bln rub 15.2 16.8 23.6 25.9   25.9
Employment expenses, bln rub 7.58 8.51  
Creation of provision for loan impairment, bln rub 8.85 4.60 7.57 0.000 6.10   6.10
Write off loans, bln rub 6.20 6.10  
Cash, bln rub 60.3 34.1 47.4 55.9 54.0   54.0
Net debt, bln rub -60.3 -34.1 -47.4 -55.9 -54.0   -54.0
Bank assets, bln rub 730.2 796.6 839.3 1 057 1 137   1 137
Capital, bln rub 88.7 97.0 144.8 173.9 201.4   201.4
Loan portfolio, bln rub 459.3 513.9 553.7 686.3 751.0   751.0
Corporate loans, bln rub 344.0 378.6 416.7 527.4 578.9   578.9
Retail loans, bln rub 111.0 131.9 137.0 158.9 163.2   163.2
Deposits, bln rub 479.1 505.2 641.3 646.4 711.1   711.1
Corporate deposits, bln rub 194.9 204.2 333.0 250.9 274.7   274.7
Retail deposits, bln rub 276.0 295.1 328.3 395.6 436.4   436.4
Provision for loan impairment, bln rub 39.8 40.1 42.6 34.6  
Core capital adequacy ratio, % ? 9.60% 11.2% 18.1% 18.6% 20.4%   20.4%
Total capital adequacy ratio, % ? 13.5% 13.4% 20.3% 20.3% 21.8%   21.8%
Cost of risk ratio, % ? 2.10% 1.10% 1.30% -0.700% 0.800%   0.767%
Loan to deposit ratio, % ? 96% 102% 86% 106% 106%   106%
Share of non-performing loans, % ? 10.4% 8.90% 8.50% 5.20% 4.70%   4.70%
Ordinary share price, rub 51.8 82.1 100.0 215.6 367.0   398.3
Number of ordinary shares, mln 475.6 461.9 461.9 461.9 461.9   461.9
Preferred share price, rub 1.000 18.9 25.4 48.6 52.1   86.2
Number of preferred shares, mln 20.1 20.1 20.1 20.1 20.1   20.1
Free Float, % 35.2%  
Insider ownership, % 51.8%  
Market cap, bln rub 24.6 38.3 46.7 100.6 170.6   185.7
EV, bln rub ? -35.6 4.27 -0.66 44.7 116.6   131.7
EPS, rub ? 22.7 39.2 102.8 103.5 108.9   108.9
ROE, % ? 12.9%  
ROA, % ? 1.5%  
Net intertest margin, % ? 3.90% 5.90% 7.00%   6.95%
Bank margin, % ? 28.5% 40.7% 64.9% 54.0%  
P/E ? 2.28 2.12 0.98 2.10 3.39   3.69
P/B ? 0.28 0.40 0.32 0.58 0.85   0.92
Employees, people 4 220  
Labour productivity, mln rub/person/year 8.98  
Expenses per employee, thousand rub 1 796  
BSP shareholders