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