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		2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	LTM ?
Report date		27.02.2025	28.04.2025	29.07.2025	28.10.2025	26.02.2026	26.02.2026
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	1 196	1 068	1 105	1 141	926.0	4 240
Net interest income, bln rub	?	824.5	832.4	841.8	893.6	988.2	3 556
Net commission income, bln rub	?	231.1	203.2	195.0	216.5	219.0	833.7
Income on securities, bln rub	?	42.7	32.2	68.4	31.3	14.4	146.3
Number of cliens, mln clients		109.9	110.1	111.2	110.5	110.7	110.7

Operating Income, bln rub		528.9	575.2	541.3	595.9		1 712
Net profit, bln rub	?	352.9	436.0	422.6	449.8	398.6	1 707

Dividend payout, bln rub		786.9

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

OPEX, bln rub		308.0	262.1	292.9	308.6	373.8	1 237
Employment expenses, bln rub		350.5	182.6	184.7	190.5	205.0	762.8
Interest expenses, bln rub		1 448	1 537	1 538	1 456	1 403	5 934
Creation of provision for loan impairment, bln rub		135.4	139.8	195.3	168.9	142.6	646.6

Bank assets, bln rub		60 855	60 107	61 469	64 474	68 815	68 815
Capital, bln rub		7 176	7 629	7 417	7 867	8 352	8 352
Loan portfolio, bln rub		40 921	40 313	40 511	42 501	44 312	44 312
Corporate loans, bln rub		23 716	23 389	23 495	25 141	26 281	26 281
Retail loans, bln rub		17 206	16 924	17 017	17 361	18 031	18 031
Deposits, bln rub		44 627	45 273	46 134	47 877	49 374	49 374
Corporate deposits, bln rub		16 805	16 894	16 411	17 556	15 908	15 908
Retail deposits, bln rub		27 822	28 379	29 723	30 321	33 466	33 466

Core capital adequacy ratio, %	?	12.4%	13.4%	12.7%	12.8%	13.2%	13.2%
Total capital adequacy ratio, %	?	12.8%	13.9%	13.3%	13.6%	14.1%	14.1%
Cost of risk ratio, %	?	1.19%	1.24%	1.71%	1.40%	0.900%	1.31%
Cost to Income (CIR), %	?	30.3%	26.9%	28.4%	28.7%	37.0%	30.3%
Loan to deposit ratio, %	?	92%	89%	88%	89%	90%	90%
Share of non-performing loans, %	?	3.70%	4.10%	4.50%	4.80%

Ordinary share price, rub		279.2	310.4	316.7	287.7	300.3	327.4
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		279.4	309.1	314.1	287.3	299.7	327.2
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%	48.0%

Market cap, bln rub		6 305	7 010	7 150	6 498	6 782	7 395
EV, bln rub	?	4 053	4 183	4 400	3 467	2 844	3 457

EPS, rub	?	16.3	20.2	19.6	20.8	18.5	79.1

ROE, %	?	24.0%	24.4%	23.0%	23.7%	19.9%	19.9%
ROA, %	?	2.8%	2.9%	2.8%	2.8%	2.4%	2.4%
Net intertest margin, %	?	6.00%	6.10%	6.10%	6.20%	6.46%	6.22%
Bank margin, %	?	29.5%	40.8%	38.2%	39.4%	43.0%	40.3%

P/E	?	3.99	4.33	4.41	3.91	3.97	4.33
P/B	?	0.88	0.92	0.96	0.83	0.81	0.89

Employees, people		308 092	299 467	295 994	294 578	291 795	291 795
Labour productivity, mln rub/person/year		3.88	3.57	3.73	3.87	3.17	14.5
Expenses per employee, thousand rub		1 138	609.7	624.0	646.7	702.5	2 614

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

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