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		2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	LTM ?
Report date		31.10.2024	27.02.2025	28.04.2025	29.07.2025	28.10.2025	28.10.2025
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	965.1	1 196	1 068	1 105	1 141	4 510
Net interest income, bln rub	?	762.1	824.5	832.4	841.8	893.6	3 392
Net commission income, bln rub	?	218.2	231.1	203.2	195.0	216.5	845.8
Income on securities, bln rub	?	-46.3	42.7	32.2	68.4	31.3	174.6
Number of cliens, mln clients		109.5	109.9	110.1	111.2	110.5	110.5

Operating Income, bln rub		561.5	528.9	575.2	541.3	595.9	2 241
Net profit, bln rub	?	411.1	352.9	436.0	422.6	449.8	1 661

Dividend payout, bln rub			786.9				786.9

Dividend, rub/share	?		34.84				34.84
Ordinary share dividend yield, %		0.0%	12.5%	0.0%	0.0%	0.0%	11.4%
Preferred share dividend, rub/share			34.84				34.84
Preferred share dividend yield, %		0.0%	12.5%	0.0%	0.0%	0.0%	11.5%
Dividend payout ratio, %		0%	223%	0%	0%	0%	47%

OPEX, bln rub		274.3	308.0	262.1	292.9	308.6	1 172
Employment expenses, bln rub			350.5	182.6	184.7	190.5	908.3
Interest expenses, bln rub		1 137	1 448	1 537	1 538	1 456	5 979
Creation of provision for loan impairment, bln rub		125.9	135.4	139.8	195.3	168.9	639.4

Cash, bln rub		2 550	2 252	2 827	2 750	3 031	3 031
Net debt, bln rub		-2 550	-2 252	-2 827	-2 750	-3 031	-3 031
Bank assets, bln rub		59 000	60 855	60 107	61 469	64 474	64 474
Capital, bln rub		6 700	7 176	7 629	7 417	7 867	7 867
Loan portfolio, bln rub		44 622	40 921	40 313	40 511	42 501	42 501
Corporate loans, bln rub		26 547	23 716	23 389	23 495	25 141	25 141
Retail loans, bln rub		18 057	17 206	16 924	17 017	17 361	17 361
Deposits, bln rub		42 862	44 623	45 273	46 134	47 877	47 877
Corporate deposits, bln rub		16 529	16 801	16 894	16 411	17 556	17 556
Retail deposits, bln rub		26 333	27 822	28 379	29 723	30 321	30 321

Core capital adequacy ratio, %	?	11.7%	12.4%	13.4%	12.7%	12.8%	12.8%
Total capital adequacy ratio, %	?	12.1%	12.8%	13.9%	13.3%	13.6%	13.6%
Cost of risk ratio, %	?	1.20%	1.19%	1.24%	1.71%	1.40%	1.39%
Cost to Income (CIR), %	?	28.4%	30.3%	26.9%	28.4%	28.7%	28.6%
Loan to deposit ratio, %	?	104%	92%	89%	88%	89%	89%
Share of non-performing loans, %	?	3.50%	3.70%	4.10%	4.50%	4.80%	4.80%

Ordinary share price, rub		271.6	279.2	310.4	316.7	287.7	306.9
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		271.0	279.4	309.1	314.1	287.3	302.9
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000
Free Float, %					48.0%	48.0%	48.0%

Market cap, bln rub		6 133	6 305	7 010	7 150	6 498	6 927
EV, bln rub	?	3 583	4 053	4 183	4 400	3 467	3 896

EPS, rub	?	19.0	16.3	20.2	19.6	20.8	77.0

ROE, %	?	25.4%	24.0%	24.4%	23.0%	23.7%	23.7%
ROA, %	?	2.9%	2.8%	2.9%	2.8%	2.8%	2.8%
Net intertest margin, %	?	5.86%	6.00%	6.10%	6.10%	6.20%	6.10%
Bank margin, %	?	42.6%	29.5%	40.8%	38.2%	39.4%	36.8%

P/E	?	3.86	3.99	4.33	4.41	3.91	4.17
P/B	?	0.92	0.88	0.92	0.96	0.83	0.88

Employees, people			308 092	299 467	295 994	294 578	294 578
Labour productivity, mln rub/person/year			3.88	3.57	3.73	3.87	15.3
Expenses per employee, thousand rub			1 138	609.7	624.0	646.7	3 083

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