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		2019	2020	2021	2022	2023	LTM ?
Report date		27.02.2020	04.03.2021	02.03.2022	09.03.2023	28.02.2024	31.10.2024
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Annual report URL
Presentation URL

Net operating income, bln rub	?	2 013	2 182	2 501	2 055	3 428	3 591
Net interest income, bln rub	?	1 416	1 589	1 802	1 875	2 565	2 912
Net commission income, bln rub	?	497.9	545.3	616.8	697.1	763.9	822.1
Income on securities, bln rub	?		47.3	74.8	-517.2	99.6	-44.5
Number of cliens, mln clients						108.5	109.5

Operating Income, bln rub							2 358
Net profit, bln rub	?	845.0	761.1	1 251	270.5	1 509	1 584

OCF, bln rub	?		663.9	797.5
Dividend payout, bln rub		422.4	422.4	0.000	564.7	752.2	752.2

Dividend, rub/share	?	18.7	18.7	0	25	33.3	33.3
Ordinary share dividend yield, %		7.3%	6.9%	0.0%	17.7%	12.3%	10.6%
Preferred share dividend, rub/share		18.7	18.7	0	25	33.3	33.3
Preferred share dividend yield, %		8.2%	7.8%	0.0%	17.8%	12.2%	10.6%
Dividend payout ratio, %		50%	55%	0%	209%	50%	47%

OPEX, bln rub		724.6	738.5	858.6	822.0	924.4	1 047
Employment expenses, bln rub		449.7	457.6	518.8	491.0	572.2	319.9
Interest expenses, bln rub		980.5	787.5	929.1	1 714	1 836	2 394
Creation of provision for loan impairment, bln rub		155.6	484.0	144.7	450.1	235.4	278.0

Cash, bln rub		2 083	2 377	2 409	1 393	2 387	2 550
Net debt, bln rub		-2 083	-2 377	-2 409	-1 393	-2 387	-2 550
Bank assets, bln rub		29 958	36 016	41 165	41 872	52 307	59 000
Capital, bln rub		4 478	5 045	5 639	5 815	6 584	6 700
Loan portfolio, bln rub		21 749	28 009	28 518	29 373	37 558	44 622
Corporate loans, bln rub		13 865	15 355	17 056	17 554	20 557	26 547
Retail loans, bln rub		7 884	9 102	11 462	12 430	15 359	18 057
Deposits, bln rub		21 574	25 766	28 312	29 876	36 693	42 862
Corporate deposits, bln rub		7 365	9 125	10 458	11 377	13 789	16 529
Retail deposits, bln rub		14 210	16 641	17 855	18 499	22 904	26 333

Core capital adequacy ratio, %	?	13.4%	13.8%	14.0%	15.1%	13.8%	11.7%
Total capital adequacy ratio, %	?	13.6%	14.7%	14.9%	15.6%	14.0%	12.1%
Cost of risk ratio, %	?	1.10%	2.03%	0.560%	1.90%	0.800%	0.750%
Cost to Income (CIR), %							28.9%
Loan to deposit ratio, %	?	101%	109%	101%	98%	102%	104%
Share of non-performing loans, %	?	4.30%	4.30%	2.90%		3.40%	3.50%

Ordinary share price, rub		254.8	271.0	293.1	141.3	271.5	315.4
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		228.3	240.7	278.5	140.3	272.5	313.9
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000

Market cap, bln rub		5 728	6 091	6 606	3 189	6 132	7 123
EV, bln rub	?	3 645	3 714	4 197	1 797	3 745	4 573

EPS, rub	?	39.1	35.3	57.9	12.5	69.9	73.4

ROE, %	?	22.2%	16.1%	24.2%	5.2%	25.3%	25.4%
ROA, %	?	3.1%	2.3%	3.1%	0.7%	3.2%	2.9%
Net intertest margin, %	?	5.16%	5.47%	5.44%	5.31%	5.98%	5.96%
Bank margin, %	?	42.0%	34.9%	50.0%	13.2%	44.0%	44.1%

P/E	?	6.78	8.00	5.28	11.8	4.06	4.50
P/B	?	1.28	1.21	1.17	0.55	0.93	1.06

Employees, people		281 300	285 600	287 866	210 700
Labour productivity, mln rub/person/year		7.16	7.64	8.69	9.75
Expenses per employee, thousand rub		1 599	1 602	1 802	2 330

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

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