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		2020	2021	2022	2023	2024	LTM ?
Report date		04.03.2021	02.03.2022	09.03.2023	28.02.2024	27.02.2025	27.02.2025
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Annual report URL
Presentation URL

Net operating income, bln rub	?	2 182	2 501	2 055	3 428	3 819	3 819
Net interest income, bln rub	?	1 589	1 802	1 875	2 565	3 000	3 000
Net commission income, bln rub	?	545.3	616.8	697.1	763.9	842.9	842.9
Income on securities, bln rub	?	47.3	74.8	-517.2	99.6	-23.5	-23.5
Number of cliens, mln clients					108.5	109.9	109.9

Operating Income, bln rub							1 587
Net profit, bln rub	?	761.1	1 251	270.5	1 509	1 580	1 580

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

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

OPEX, bln rub		738.5	858.6	822.0	924.4	1 063	1 063
Employment expenses, bln rub		457.6	518.8	491.0	572.2	668.9	668.9
Interest expenses, bln rub		787.5	929.1	1 714	1 836	4 368	4 368
Creation of provision for loan impairment, bln rub		484.0	144.7	450.1	235.4	442.8	442.8

Cash, bln rub		2 377	2 409	1 393	2 387	2 252	2 252
Net debt, bln rub		-2 377	-2 409	-1 393	-2 387	-2 252	-2 252
Bank assets, bln rub		36 016	41 165	41 872	52 307	60 855	60 855
Capital, bln rub		5 045	5 639	5 815	6 584	7 174	7 174
Loan portfolio, bln rub		28 009	28 518	29 373	37 558	40 921	40 921
Corporate loans, bln rub		15 355	17 056	17 554	20 557	23 716	23 716
Retail loans, bln rub		9 102	11 462	12 430	15 359	17 206	17 206
Deposits, bln rub		25 766	28 312	29 876	36 693	44 623	44 623
Corporate deposits, bln rub		9 125	10 458	11 377	13 789	16 801	16 801
Retail deposits, bln rub		16 641	17 855	18 499	22 904	27 822	27 822

Core capital adequacy ratio, %	?	13.8%	14.0%	15.1%	13.8%	12.9%	12.9%
Total capital adequacy ratio, %	?	14.7%	14.9%	15.6%	14.0%	12.8%	12.8%
Cost of risk ratio, %	?	2.03%	0.560%	1.90%	0.800%	1.000%	0.900%
Cost to Income (CIR), %							28.9%
Loan to deposit ratio, %	?	109%	101%	98%	102%	92%	92%
Share of non-performing loans, %	?	4.30%	2.90%		3.40%

Ordinary share price, rub		271.0	293.1	141.3	271.5	279.2	307.7
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		240.7	278.5	140.3	272.5	279.4	305.8
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000

Market cap, bln rub		6 091	6 606	3 189	6 132	6 305	6 949
EV, bln rub	?	3 714	4 197	1 797	3 745	4 053	4 697

EPS, rub	?	35.3	57.9	12.5	69.9	73.2	73.2

ROE, %	?	16.1%	24.2%	5.2%	25.3%	24.0%
ROA, %	?	2.3%	3.1%	0.7%	3.2%	2.8%
Net intertest margin, %	?	5.47%	5.44%	5.31%	5.98%	6.00%	5.86%
Bank margin, %	?	34.9%	50.0%	13.2%	44.0%	41.4%	41.4%

P/E	?	8.00	5.28	11.8	4.06	3.99	4.40
P/B	?	1.21	1.17	0.55	0.93	0.88	0.97

Employees, people		285 600	287 866	210 700	296 585	308 092	308 092
Labour productivity, mln rub/person/year		7.64	8.69	9.75	11.6	12.4	12.4
Expenses per employee, thousand rub		1 602	1 802	2 330	1 929	2 171	2 171

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

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