Sberbank Financial Statements (SBER)

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Sberbank shareholders
Sberbank Financial Statements (SBER)
Years, руб. Год, изм% Quarters, руб. Кв, изм% MSFO RSBU
Сбербанкsmart-lab.ru		2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	LTM ?
Report date		02.11.2023	28.02.2024	26.04.2024	08.08.2024	31.10.2024	31.10.2024
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	857.0	968.3	801.9	855.7	965.1	3 591
Net interest income, bln rub	?	667.9	736.9	699.8	713.2	762.1	2 912
Net commission income, bln rub	?	195.5	210.3	184.1	209.5	218.2	822.1
Income on securities, bln rub	?	-6.40	-3.00	5.10		-46.6	-44.5
Number of cliens, mln clients			108.5	108.8	109.0	109.5	109.5

Operating Income, bln rub		755.9	771.0	521.0	504.6	561.5	2 358
Net profit, bln rub	?	411.4	359.7	394.7	418.7	411.1	1 584

Dividend payout, bln rub			752.2				752.2

Dividend, rub/share	?		33.3				33.3
Ordinary share dividend yield, %		0.0%	12.3%	0.0%	0.0%	0.0%	10.6%
Preferred share dividend, rub/share			33.3				33.3
Preferred share dividend yield, %		0.0%	12.2%	0.0%	0.0%	0.0%	10.6%
Dividend payout ratio, %		0%	209%	0%	0%	0%	47%

OPEX, bln rub		234.2	292.3	227.6	252.7	274.3	1 047
Employment expenses, bln rub		149.4	164.0	155.9			319.9
Interest expenses, bln rub		486.7	615.6	880.2	898.0		2 394
Creation of provision for loan impairment, bln rub		48.0	0.400	53.3	98.4	125.9	278.0

Cash, bln rub		1 282	2 387	2 168	2 373	2 550	2 550
Net debt, bln rub		-1 282	-2 387	-2 168	-2 373	-2 550	-2 550
Bank assets, bln rub		43 399	52 307	53 105	55 428	59 000	59 000
Capital, bln rub		6 098	6 584	6 904	6 417	6 700	6 700
Loan portfolio, bln rub		37 855	37 558	38 106	41 881	44 622	44 622
Corporate loans, bln rub		22 676	20 557	23 346	24 372	26 547	26 547
Retail loans, bln rub		15 179	15 359	16 478	17 509	18 057	18 057
Deposits, bln rub		34 841	36 693	38 577	40 845	42 862	42 862
Corporate deposits, bln rub		13 432	13 789	15 117	15 220	16 529	16 529
Retail deposits, bln rub		21 409	22 904	23 460	25 625	26 333	26 333

Core capital adequacy ratio, %	?	13.6%	13.8%	13.8%	11.8%	11.7%	11.7%
Total capital adequacy ratio, %	?	14.1%	14.0%	14.0%	12.2%	12.1%	12.1%
Cost of risk ratio, %	?	0.500%	0.300%	0.500%	1.000%	1.20%	0.750%
Cost to Income (CIR), %				28.8%	29.5%	28.4%	28.9%
Loan to deposit ratio, %	?	109%	102%	99%	103%	104%	104%
Share of non-performing loans, %	?		3.40%	3.50%	3.50%	3.50%	3.50%

Ordinary share price, rub		260.8	271.5	298.5	326.1	271.6	315.4
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		260.7	272.5	298.6	326.8	271.0	313.9
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000

Market cap, bln rub		5 890	6 132	6 742	7 365	6 133	7 123
EV, bln rub	?	4 608	3 745	4 574	4 992	3 583	4 573

EPS, rub	?	19.1	16.7	18.3	19.4	19.0	73.4

ROE, %	?	27.6%	22.9%	24.2%	25.9%	25.4%	25.4%
ROA, %	?	3.4%	2.8%	3.0%	3.1%	2.9%	2.9%
Net intertest margin, %	?	6.01%	6.26%	5.88%	5.84%	5.86%	5.96%
Bank margin, %	?	48.0%	37.1%	49.2%	48.9%	42.6%	44.1%

P/E	?	5.13	4.06	4.36	4.65	3.87	4.50
P/B	?	0.97	0.93	0.98	1.15	0.92	1.06

IR rating		4.6	4.6	4.6	4.6	4.9	4.9
Financial statement quality		5	5	5	5	5	5
Investor Presentations		5	5	5	5	5	5
Smart-lab presence		2	2	2	2	4	4
Annual report		5	5	5	5	5	5
Investor site URL		5	5	5	5	5	5
Investor calendar		5	5	5	5	5	5
IR feedback		5	5	5	5	5	5

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