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		2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	LTM ?
Report date		28.02.2024	26.04.2024	08.08.2024	31.10.2024	27.02.2025	27.02.2025
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	968.3	801.9	855.7	965.1	1 196	3 819
Net interest income, bln rub	?	736.9	699.8	713.2	762.1	824.5	3 000
Net commission income, bln rub	?	210.3	184.1	209.5	218.2	231.1	842.9
Income on securities, bln rub	?	-3.00	5.10		-46.6	18.0	-23.5
Number of cliens, mln clients		108.5	108.8	109.0	109.5	109.9	109.9

Operating Income, bln rub		771.0	521.0	504.6	561.5		1 587
Net profit, bln rub	?	359.7	394.7	418.7	411.1	355.8	1 580

Dividend payout, bln rub		752.2				786.9	786.9

Dividend, rub/share	?	33.3				34.84	34.84
Ordinary share dividend yield, %		12.3%	0.0%	0.0%	0.0%	12.5%	11.0%
Preferred share dividend, rub/share		33.3				34.84	34.84
Preferred share dividend yield, %		12.2%	0.0%	0.0%	0.0%	12.5%	11.1%
Dividend payout ratio, %		209%	0%	0%	0%	221%	50%

OPEX, bln rub		292.3	227.6	252.7	274.3	308.0	1 063
Employment expenses, bln rub		164.0	155.9			513.0	668.9
Interest expenses, bln rub		615.6	880.2	898.0		2 590	4 368
Creation of provision for loan impairment, bln rub		0.400	53.3	98.4	125.9	165.2	442.8

Cash, bln rub		2 387	2 168	2 373	2 550	2 252	2 252
Net debt, bln rub		-2 387	-2 168	-2 373	-2 550	-2 252	-2 252
Bank assets, bln rub		52 307	53 105	55 428	59 000	60 855	60 855
Capital, bln rub		6 584	6 904	6 417	6 700	7 174	7 174
Loan portfolio, bln rub		37 558	38 106	41 881	44 622	40 921	40 921
Corporate loans, bln rub		20 557	23 346	24 372	26 547	23 716	23 716
Retail loans, bln rub		15 359	16 478	17 509	18 057	17 206	17 206
Deposits, bln rub		36 693	38 577	40 845	42 862	44 623	44 623
Corporate deposits, bln rub		13 789	15 117	15 220	16 529	16 801	16 801
Retail deposits, bln rub		22 904	23 460	25 625	26 333	27 822	27 822

Core capital adequacy ratio, %	?	13.8%	13.8%	11.8%	11.7%	12.9%	12.9%
Total capital adequacy ratio, %	?	14.0%	14.0%	12.2%	12.1%	12.8%	12.8%
Cost of risk ratio, %	?	0.300%	0.500%	1.000%	1.20%		0.900%
Cost to Income (CIR), %			28.8%	29.5%	28.4%		28.9%
Loan to deposit ratio, %	?	102%	99%	103%	104%	92%	92%
Share of non-performing loans, %	?	3.40%	3.50%	3.50%	3.50%

Ordinary share price, rub		271.5	298.5	326.1	271.6	279.2	316.7
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		272.5	298.6	326.8	271.0	279.4	312.7
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000

Market cap, bln rub		6 132	6 742	7 365	6 133	6 305	7 148
EV, bln rub	?	3 745	4 574	4 992	3 583	4 053	4 896

EPS, rub	?	16.7	18.3	19.4	19.0	16.5	73.2

ROE, %	?	22.9%	24.2%	25.9%	25.4%
ROA, %	?	2.8%	3.0%	3.1%	2.9%
Net intertest margin, %	?	6.26%	5.88%	5.84%	5.86%		5.86%
Bank margin, %	?	37.1%	49.2%	48.9%	42.6%	29.7%	41.4%

P/E	?	4.06	4.36	4.65	3.87	3.99	4.52
P/B	?	0.93	0.98	1.15	0.92	0.88	1.00

Employees, people		296 585				308 092	308 092
Labour productivity, mln rub/person/year		3.26				3.88	12.4
Expenses per employee, thousand rub		553.0				1 665	2 171

IR rating		4.6	4.6	4.6	4.9	4.6	4.6
Financial statement quality		5	5	5	5	5	5
Investor Presentations		5	5	5	5	5	5
Smart-lab presence		2	2	2	4	2	2
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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