Sberbank Financial Statements (SBER)
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Report date
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28.02.2024 |
26.04.2024 |
08.08.2024 |
31.10.2024 |
27.02.2025 |
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27.02.2025 |
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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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Presentation URL
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Net operating income, bln rub |
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968.3 |
801.9 |
855.7 |
965.1 |
1 196 |
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3 819 |
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Net interest income, bln rub |
? |
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736.9 |
699.8 |
713.2 |
762.1 |
824.5 |
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3 000 |
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Net commission income, bln rub |
? |
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210.3 |
184.1 |
209.5 |
218.2 |
231.1 |
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842.9 |
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Income on securities, bln rub |
? |
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-3.00 |
5.10 |
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-46.6 |
18.0 |
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-23.5 |
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Number of cliens, mln clients |
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108.5 |
108.8 |
109.0 |
109.5 |
109.9 |
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109.9 |
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Operating Income, bln rub |
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771.0 |
521.0 |
504.6 |
561.5 |
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1 587 |
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Net profit, bln rub |
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359.7 |
394.7 |
418.7 |
411.1 |
355.8 |
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1 580 |
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Dividend payout, bln rub
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752.2 |
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Dividend, rub/share
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33.3 |
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Ordinary share dividend yield, %
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12.3% |
0.0% |
0.0% |
0.0% |
0.0% |
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0.0% |
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Preferred share dividend, rub/share
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33.3 |
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Preferred share dividend yield, %
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12.2% |
0.0% |
0.0% |
0.0% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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209% |
0% |
0% |
0% |
0% |
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0 |
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OPEX, bln rub |
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292.3 |
227.6 |
252.7 |
274.3 |
308.0 |
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1 063 |
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Employment expenses, bln rub |
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164.0 |
155.9 |
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513.0 |
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668.9 |
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Interest expenses, bln rub |
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615.6 |
880.2 |
898.0 |
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2 590 |
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4 368 |
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Creation of provision for loan impairment, bln rub |
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0.400 |
53.3 |
98.4 |
125.9 |
165.2 |
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442.8 |
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Cash, bln rub |
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2 387 |
2 168 |
2 373 |
2 550 |
2 252 |
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2 252 |
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Net debt, bln rub |
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-2 387 |
-2 168 |
-2 373 |
-2 550 |
-2 252 |
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-2 252 |
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Bank assets, bln rub |
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52 307 |
53 105 |
55 428 |
59 000 |
60 855 |
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60 855 |
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Capital, bln rub |
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6 584 |
6 904 |
6 417 |
6 700 |
7 174 |
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7 174 |
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Loan portfolio, bln rub |
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37 558 |
38 106 |
41 881 |
44 622 |
40 921 |
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40 921 |
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Corporate loans, bln rub |
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20 557 |
23 346 |
24 372 |
26 547 |
23 716 |
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23 716 |
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Retail loans, bln rub |
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15 359 |
16 478 |
17 509 |
18 057 |
17 206 |
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17 206 |
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Deposits, bln rub |
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36 693 |
38 577 |
40 845 |
42 862 |
44 623 |
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44 623 |
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Corporate deposits, bln rub |
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13 789 |
15 117 |
15 220 |
16 529 |
16 801 |
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16 801 |
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Retail deposits, bln rub |
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22 904 |
23 460 |
25 625 |
26 333 |
27 822 |
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27 822 |
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Core capital adequacy ratio, % |
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13.8% |
13.8% |
11.8% |
11.7% |
12.9% |
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12.9% |
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Total capital adequacy ratio, % |
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14.0% |
14.0% |
12.2% |
12.1% |
12.8% |
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12.8% |
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Cost of risk ratio, % |
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0.300% |
0.500% |
1.000% |
1.20% |
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0.900% |
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Cost to Income (CIR), % |
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28.8% |
29.5% |
28.4% |
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28.9% |
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Loan to deposit ratio, % |
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102% |
99% |
103% |
104% |
92% |
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92% |
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Share of non-performing loans, % |
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3.40% |
3.50% |
3.50% |
3.50% |
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Ordinary share price, rub |
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271.5 |
298.5 |
326.1 |
271.6 |
279.2 |
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308.0 |
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Number of ordinary shares, mln |
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21 587 |
21 587 |
21 587 |
21 587 |
21 587 |
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21 587 |
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Preferred share price, rub |
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272.5 |
298.6 |
326.8 |
271.0 |
279.4 |
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306.1 |
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Number of preferred shares, mln |
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1 000 |
1 000 |
1 000 |
1 000 |
1 000 |
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1 000 |
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Market cap, bln rub |
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6 132 |
6 742 |
7 365 |
6 133 |
6 305 |
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6 954 |
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EV, bln rub |
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3 745 |
4 574 |
4 992 |
3 583 |
4 053 |
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4 702 |
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EPS, rub |
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16.7 |
18.3 |
19.4 |
19.0 |
16.5 |
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73.2 |
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ROE, % |
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22.9% |
24.2% |
25.9% |
25.4% |
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ROA, % |
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2.8% |
3.0% |
3.1% |
2.9% |
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Net intertest margin, % |
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6.26% |
5.88% |
5.84% |
5.86% |
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5.86% |
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Bank margin, % |
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37.1% |
49.2% |
48.9% |
42.6% |
29.7% |
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41.4% |
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P/E |
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4.06 |
4.36 |
4.65 |
3.87 |
3.99 |
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4.40 |
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P/B |
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0.93 |
0.98 |
1.15 |
0.92 |
0.88 |
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0.97 |
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Employees, people |
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296 585 |
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308 092 |
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308 092 |
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Labour productivity, mln rub/person/year |
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3.26 |
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3.88 |
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12.4 |
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Expenses per employee, thousand rub |
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553.0 |
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1 665 |
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2 171 |
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IR rating
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4.6 |
4.6 |
4.6 |
4.9 |
4.6 |
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4.6 |
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Financial statement quality
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5 |
5 |
5 |
5 |
5 |
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5 |
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Investor Presentations
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5 |
5 |
5 |
5 |
5 |
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5 |
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Smart-lab presence
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2 |
2 |
2 |
4 |
2 |
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2 |
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Annual report
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5 |
5 |
5 |
5 |
5 |
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5 |
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Investor site URL
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5 |
5 |
5 |
5 |
5 |
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5 |
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Investor calendar
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5 |
5 |
5 |
5 |
5 |
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5 |
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IR feedback
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5 |
5 |
5 |
5 |
5 |
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5 |
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| Sberbank shareholders |
