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		2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	LTM ?
Report date		28.04.2025	29.07.2025	28.10.2025	26.02.2026	29.04.2026	29.04.2026
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	1 068	1 105	1 141	926.0	1 147	4 319
Net interest income, bln rub	?	832.4	841.8	893.6	988.2	984.3	3 708
Net commission income, bln rub	?	203.2	195.0	216.5	219.0	204.5	835.0
Income on securities, bln rub	?	32.2	68.4	31.3	14.4	39.2	153.3
Number of cliens, mln clients		110.1	111.2	110.5	110.7	110.4	110.4

Net profit, bln rub	?	436.0	422.6	449.8	398.6	508.5	1 780

Dividend payout, bln rub					850.2		850.2

Dividend, rub/share	?				37.64		37.64
Ordinary share dividend yield, %		0.0%	0.0%	0.0%	12.5%	0.0%	12.6%
Preferred share dividend, rub/share					37.64		37.64
Preferred share dividend yield, %		0.0%	0.0%	0.0%	12.6%	0.0%	12.6%
Dividend payout ratio, %		0%	0%	0%	213%	0%	48%

OPEX, bln rub		262.1	292.9	308.6	373.8	303.5	1 279
Employment expenses, bln rub		182.6	184.7	190.5	205.0	203.8	784.0
Interest expenses, bln rub		1 537	1 538	1 456	1 403	1 360	5 757
Creation of provision for loan impairment, bln rub		139.8	195.3	168.9	142.6	161.2	668.0

Bank assets, bln rub		60 107	61 469	64 474	68 815	69.0	69.0
Capital, bln rub		7 629	7 417	7 867	8 352	8 871	8 871
Loan portfolio, bln rub		42 415	42 752	44 845	46 710	47 754	47 754
Corporate loans, bln rub		24 458	24 632	26 349	27 506	28 071	28 071
Retail loans, bln rub		17 957	18 121	18 496	19 204	19 684	19 684
Deposits, bln rub		45 273	46 134	47 877	49 374	49 846	49 846
Corporate deposits, bln rub		16 894	16 411	17 556	15 908	15 905	15 905
Retail deposits, bln rub		28 379	29 723	30 321	33 466	33 941	33 941
Provision for loan impairment, bln rub		2 102	2 241	2 344	2 398	2 472	2 472

Core capital adequacy ratio, %	?	13.4%	12.7%	12.8%	13.2%	13.8%	13.8%
Total capital adequacy ratio, %	?	13.9%	13.3%	13.6%	14.1%	14.6%	14.6%
Cost of risk ratio, %	?	1.24%	1.71%	1.40%	0.900%	1.29%	1.33%
Cost to Income (CIR), %	?	26.9%	28.4%	28.7%	37.0%	26.7%	30.2%
Loan to deposit ratio, %	?	94%	93%	94%	95%	96%	96%
Share of non-performing loans, %	?	4.10%	4.50%	4.80%	4.90%	4.80%	4.80%

Ordinary share price, rub		310.4	316.7	287.7	300.3	314.2	299.3
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		309.1	314.1	287.3	299.7	314.1	299.5
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%	48.0%

Market cap, bln rub		7 010	7 150	6 498	6 782	7 097	6 760
EV, bln rub	?	7 010	7 150	6 498	6 782	7 097	6 760

EPS, rub	?	20.2	19.6	20.8	18.5	23.6	82.4

ROE, %	?	24.4%	23.0%	23.7%	19.9%	24.4%	24.4%
ROA, %	?	2.9%	2.8%	2.8%	2.4%
Net intertest margin, %	?	6.10%	6.10%	6.20%	6.46%	6.30%	6.27%
Bank margin, %	?	40.8%	38.2%	39.4%	43.0%	44.3%	41.2%

P/E	?	4.33	4.41	3.91	3.97	3.99	3.80
P/B	?	0.92	0.96	0.83	0.81	0.80	0.76

Employees, people		299 467	295 994	294 578	291 795	289 721	289 721
Labour productivity, mln rub/person/year		3.57	3.73	3.87	3.17	3.96	14.9
Expenses per employee, thousand rub		609.7	624.0	646.7	702.5	703.4	2 706

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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