Sberbank Financial Statements (SBER)

Сбербанкsmart-lab.ru %   2023Q2 2023Q3 2023Q4 2024Q1 2024Q2   LTM ?
Report date 03.08.2023 02.11.2023 28.02.2024 26.04.2024 08.08.2024   08.08.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Presentation URL  
Net operating income, bln rub ? 829.0 857.0 968.3 801.9 855.7   3 483
Net interest income, bln rub ? 597.0 667.9 736.9 699.8 713.2   2 818
Net commission income, bln rub ? 187.0 195.5 210.3 184.1 209.5   799.4
Income on securities, bln rub ? 66.0 -6.40 -3.00 5.10   -4.30
Operating Income, bln rub 718.9 755.9 771.0 521.0 504.6   2 553
Net profit, bln rub ? 380.3 411.4 359.7 394.7 418.7   1 585
Dividend payout, bln rub 752.2   752.2
Dividend, rub/share ? 33.3   33.3
Ordinary share dividend yield, % 0.0% 0.0% 12.3% 0.0% 0.0%   14.0%
Preferred share dividend, rub/share 33.3   33.3
Preferred share dividend yield, % 0.0% 0.0% 12.2% 0.0% 0.0%   14.0%
Dividend payout ratio, % 0% 0% 209% 0% 0%   47%
OPEX, bln rub 216.0 234.2 292.3 227.6 252.7   1 007
Employment expenses, bln rub 133.0 149.4 164.0 155.9   469.3
Interest expenses, bln rub 440.8 486.7 615.6 880.2 898.0   2 881
Creation of provision for loan impairment, bln rub 103.0 48.0 0.400 53.3 98.4   200.1
Cash, bln rub 1 881 1 282 2 387 2 168 2 373   2 373
Net debt, bln rub -1 881 -1 282 -2 387 -2 168 -2 373   -2 373
Bank assets, bln rub 46 144 43 399 52 307 53 105 55 428   55 428
Capital, bln rub 5 917 6 098 6 584 6 904 6 417   6 417
Loan portfolio, bln rub 32 868 37 855 37 558 38 106 41 881   41 881
Corporate loans, bln rub 20 759 22 676 20 557 23 346 24 372   24 372
Retail loans, bln rub 13 928 15 179 15 359 16 478 17 509   17 509
Deposits, bln rub 32 870 34 841 36 693 38 577 40 845   40 845
Corporate deposits, bln rub 12 747 13 432 13 789 15 117 15 220   15 220
Retail deposits, bln rub 20 123 21 409 22 904 23 460 25 625   25 625
Core capital adequacy ratio, % ? 13.8% 13.6% 13.8% 13.8% 12.2%   12.2%
Total capital adequacy ratio, % ? 14.7% 14.1% 14.0% 14.0% 12.2%   12.2%
Cost of risk ratio, % ? 1.20% 0.500% 0.300% 0.500% 1.000%   0.575%
Loan to deposit ratio, % ? 100% 109% 102% 99% 103%   103%
Share of non-performing loans, % ? 3.40% 3.50% 3.50%   3.50%
Ordinary share price, rub 239.9 260.8 271.5 298.5 326.1   238.0
Number of ordinary shares, mln 21 587 21 587 21 587 21 587 21 587   21 587
Preferred share price, rub 237.5 260.7 272.5 298.6 326.8   238.6
Number of preferred shares, mln 1 000 1 000 1 000 1 000 1 000   1 000
Market cap, bln rub 5 417 5 890 6 132 6 742 7 365   5 377
EV, bln rub ? 3 536 4 608 3 745 4 574 4 992   3 004
EPS, rub ? 17.6 19.1 16.7 18.3 19.4   73.4
ROE, % ? 26.0% 27.6% 22.9% 24.2% 25.9%   25.9%
ROA, % ? 3.3% 3.4% 2.8% 3.0% 3.1%   3.1%
Net intertest margin, % ? 5.80% 6.01% 6.26% 5.88% 5.84%   6.00%
Bank margin, % ? 45.9% 48.0% 37.1% 49.2% 48.9%   45.5%
P/E ? 7.34 5.13 4.06 4.36 4.65   3.39
P/B ? 0.92 0.97 0.93 0.98 1.15   0.84
IR rating 4.6 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 2 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
Sberbank shareholders