BSP Financial Statements (BSPB)
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Report date
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09.03.2022 |
24.03.2023 |
06.03.2024 |
06.03.2025 |
06.03.2026 |
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06.03.2026 |
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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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Annual report URL
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Presentation URL
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Net operating income, bln rub |
? |
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44.5 |
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73.6 |
93.1 |
98.0 |
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Net interest income, bln rub |
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28.1 |
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50.8 |
70.6 |
77.8 |
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77.8 |
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Net commission income, bln rub |
? |
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9.00 |
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12.5 |
11.6 |
11.8 |
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11.8 |
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Income on securities, bln rub |
? |
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5.30 |
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10.3 |
10.9 |
6.03 |
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6.03 |
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Net profit, bln rub |
? |
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18.1 |
47.5 |
47.8 |
50.3 |
37.8 |
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37.8 |
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OCF, bln rub |
? |
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28.8 |
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Dividend payout, bln rub
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0.002 |
15.2 |
19.6 |
25.9 |
19.2 |
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19.2 |
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Dividend, rub/share
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32.97 |
42.45 |
56.98 |
42.84 |
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42.84 |
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Ordinary share dividend yield, %
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0.0% |
33.0% |
19.7% |
15.5% |
13.9% |
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12.7% |
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Preferred share dividend, rub/share
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0.11 |
0.33 |
0.44 |
0.44 |
0.44 |
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0.44 |
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Preferred share dividend yield, %
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0.6% |
1.3% |
0.9% |
0.8% |
0.9% |
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0.8% |
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Dividend payout ratio, %
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0% |
32% |
41% |
51% |
51% |
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51% |
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OPEX, bln rub |
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16.8 |
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23.6 |
25.9 |
30.4 |
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30.4 |
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Employment expenses, bln rub |
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8.51 |
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15.4 |
16.4 |
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16.4 |
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Interest expenses, bln rub |
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81.3 |
122.9 |
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Creation of provision for loan impairment, bln rub |
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4.60 |
7.57 |
0.000 |
5.28 |
15.5 |
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15.5 |
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Write off loans, bln rub |
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6.10 |
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Bank assets, bln rub |
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796.6 |
839.3 |
1 057 |
1 137 |
1 306 |
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1 306 |
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Capital, bln rub |
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97.0 |
144.8 |
173.9 |
201.4 |
217.4 |
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217.4 |
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Loan portfolio, bln rub |
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513.9 |
553.7 |
686.3 |
751.0 |
961.9 |
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961.9 |
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Corporate loans, bln rub |
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378.6 |
416.7 |
527.4 |
587.9 |
760.1 |
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760.1 |
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Retail loans, bln rub |
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131.9 |
137.0 |
158.9 |
163.2 |
201.8 |
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201.8 |
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Deposits, bln rub |
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505.2 |
641.3 |
646.4 |
711.1 |
883.4 |
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883.4 |
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Corporate deposits, bln rub |
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204.2 |
333.0 |
250.9 |
274.7 |
362.1 |
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362.1 |
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Retail deposits, bln rub |
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295.1 |
328.3 |
395.6 |
436.4 |
521.3 |
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521.3 |
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Provision for loan impairment, bln rub |
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40.1 |
42.6 |
34.6 |
33.3 |
28.8 |
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28.8 |
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Core capital adequacy ratio, % |
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11.2% |
18.1% |
18.6% |
20.4% |
19.7% |
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19.7% |
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Total capital adequacy ratio, % |
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13.4% |
20.3% |
20.3% |
21.8% |
20.9% |
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20.9% |
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Cost of risk ratio, % |
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1.10% |
1.30% |
-0.700% |
0.800% |
2.00% |
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1.95% |
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Cost to Income (CIR), % |
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31.7% |
27.5% |
30.7% |
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30.8% |
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Loan to deposit ratio, % |
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102% |
86% |
106% |
106% |
109% |
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109% |
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Share of non-performing loans, % |
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8.90% |
8.50% |
5.20% |
4.70% |
3.80% |
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3.80% |
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Ordinary share price, rub |
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82.1 |
100.0 |
215.6 |
367.0 |
309.0 |
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338.0 |
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Number of ordinary shares, mln |
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461.9 |
461.9 |
461.9 |
457.5 |
441.6 |
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441.6 |
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Preferred share price, rub |
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18.9 |
25.4 |
48.6 |
52.1 |
51.8 |
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53.1 |
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Number of preferred shares, mln |
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20.1 |
20.1 |
20.1 |
20.1 |
20.1 |
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20.1 |
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Free Float, % |
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28.0% |
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28.0% |
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Market cap, bln rub |
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38.3 |
46.7 |
100.6 |
169.0 |
137.5 |
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150.3 |
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EV, bln rub |
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4.27 |
-0.66 |
44.7 |
115.0 |
60.8 |
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73.6 |
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EPS, rub |
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39.2 |
102.8 |
103.5 |
109.9 |
85.7 |
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85.7 |
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ROE, % |
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27.1% |
18.1% |
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8.0% |
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Net intertest margin, % |
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5.90% |
7.00% |
7.00% |
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6.96% |
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Bank margin, % |
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40.7% |
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64.9% |
54.0% |
38.6% |
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P/E |
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2.12 |
0.98 |
2.10 |
3.36 |
3.63 |
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3.97 |
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P/B |
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0.40 |
0.32 |
0.58 |
0.84 |
0.63 |
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0.69 |
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Employees, people |
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4 700 |
4 600 |
4 700 |
4 800 |
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4 800 |
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Labour productivity, mln rub/person/year |
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0.00 |
16.0 |
19.8 |
20.4 |
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0 |
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Expenses per employee, thousand rub |
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0.00 |
0.00 |
3 268 |
3 417 |
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3 417 |
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| BSP shareholders |
