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		2025Q2	2025Q3	2025Q4	2026Q1	2026Q2	LTM ?
Report date		29.07.2025	28.10.2025	26.02.2026	29.04.2026	29.07.2026	29.07.2026
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Presentation URL

Net operating income, bln rub	?	1 105	1 141	926.0	1 147	1 203	4 417
Net interest income, bln rub	?	841.8	893.6	988.2	984.3	1 067	3 933
Net commission income, bln rub	?	195.0	216.5	219.0	204.5	215.3	855.3
Income on securities, bln rub	?	68.4	31.3	14.4	39.2	-50.3	34.6
Number of cliens, mln clients		111.2	110.5	110.7	110.4	110.6	110.6

Net profit, bln rub	?	422.6	449.8	398.6	508.5	511.6	1 869

Dividend payout, bln rub				850.2			850.2

Dividend, rub/share	?			37.64			37.64
Ordinary share dividend yield, %		0.0%	0.0%	12.5%	0.0%	0.0%	13.9%
Preferred share dividend, rub/share				37.64			37.64
Preferred share dividend yield, %		0.0%	0.0%	12.6%	0.0%	0.0%	13.8%
Dividend payout ratio, %		0%	0%	213%	0%	0%	46%

OPEX, bln rub		292.9	308.6	373.8	303.5	336.1	1 322
Employment expenses, bln rub		184.7	190.5	205.0	203.8	195.8	795.1
Interest expenses, bln rub		1 538	1 456	1 403	1 360	1 301	5 520
Creation of provision for loan impairment, bln rub		195.3	168.9	142.6	161.2	171.5	644.2

Bank assets, bln rub		61 469	64 474	68 815	69 035	69 142	69 142
Capital, bln rub		7 417	7 867	8 352	8 871	8 537	8 537
Loan portfolio, bln rub		42 752	44 845	46 710	47 754	48 473	48 473
Corporate loans, bln rub		24 632	26 349	27 506	28 071	28 198	28 198
Retail loans, bln rub		18 121	18 496	19 204	19 684	20 275	20 275
Deposits, bln rub		46 134	47 877	49 374	49 846	49 133	49 133
Corporate deposits, bln rub		16 411	17 556	15 908	15 905	14 654	14 654
Retail deposits, bln rub		29 723	30 321	33 466	33 941	34 479	34 479
Provision for loan impairment, bln rub		2 241	2 344	2 398	2 472	2 605	2 605

Core capital adequacy ratio, %	?	12.7%	12.8%	13.2%	13.8%	12.8%	12.8%
Total capital adequacy ratio, %	?	13.3%	13.6%	14.1%	14.6%	13.7%	13.7%
Cost of risk ratio, %	?	1.71%	1.40%	0.900%	1.29%	1.000%	1.15%
Cost to Income (CIR), %	?	28.4%	28.7%	37.0%	26.7%	29.1%	30.4%
Loan to deposit ratio, %	?	93%	94%	95%	96%	99%	99%
Share of non-performing loans, %	?	4.50%	4.80%	4.90%	4.80%	5.50%	5.50%

Ordinary share price, rub		316.7	287.7	300.3	314.2	306.5	271.5
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		314.1	287.3	299.7	314.1	306.1	272.0
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%	48.0%

Market cap, bln rub		7 150	6 498	6 782	7 097	6 922	6 132
EV, bln rub	?	7 150	6 498	6 782	7 097	6 922	6 132

EPS, rub	?	19.6	20.8	18.5	23.6	23.7	86.6

ROE, %	?	23.0%	23.7%	19.9%	24.4%	24.0%	24.0%
ROA, %	?	2.8%	2.8%	2.4%	3.0%	3.0%	3.0%
Net intertest margin, %	?	6.10%	6.20%	6.46%	6.30%	6.70%	6.42%
Bank margin, %	?	38.2%	39.4%	43.0%	44.3%	42.5%	42.3%

P/E	?	4.41	3.91	3.97	3.99	3.70	3.28
P/B	?	0.96	0.83	0.81	0.80	0.81	0.72

Employees, people		295 994	294 578	291 795	289 721	287 242	287 242
Labour productivity, mln rub/person/year		3.73	3.87	3.17	3.96	4.19	15.4
Expenses per employee, thousand rub		624.0	646.7	702.5	703.4	681.7	2 768

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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