Sberbank Financial Statements (SBER)
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Report date
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02.03.2022 |
09.03.2023 |
28.02.2024 |
27.02.2025 |
26.02.2026 |
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29.04.2026 |
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Currency
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RUB |
RUB |
RUB |
RUB |
RUB |
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RUB |
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Financial report URL
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Annual report URL
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Presentation URL
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Net operating income, bln rub |
? |
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2 501 |
2 055 |
3 428 |
3 819 |
4 240 |
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4 319 |
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Net interest income, bln rub |
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1 802 |
1 875 |
2 565 |
3 000 |
3 556 |
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3 708 |
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Net commission income, bln rub |
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616.8 |
697.1 |
763.9 |
842.9 |
833.7 |
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835.0 |
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Income on securities, bln rub |
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74.8 |
-517.2 |
99.6 |
-23.5 |
146.3 |
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153.3 |
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Number of cliens, mln clients |
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108.5 |
109.9 |
110.7 |
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110.4 |
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Net profit, bln rub |
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1 251 |
270.5 |
1 509 |
1 582 |
1 707 |
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1 780 |
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OCF, bln rub |
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797.5 |
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Dividend payout, bln rub
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0.000 |
564.7 |
752.2 |
786.9 |
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Dividend, rub/share
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0 |
25 |
33.3 |
34.84 |
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Ordinary share dividend yield, %
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0.0% |
17.7% |
12.3% |
12.5% |
0.0% |
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0.0% |
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Preferred share dividend, rub/share
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0 |
25 |
33.3 |
34.84 |
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Preferred share dividend yield, %
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0.0% |
17.8% |
12.2% |
12.5% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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0% |
209% |
50% |
50% |
0% |
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0 |
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OPEX, bln rub |
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858.6 |
822.0 |
924.4 |
1 063 |
1 237 |
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1 279 |
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Employment expenses, bln rub |
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518.8 |
491.0 |
572.2 |
668.9 |
762.8 |
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784.0 |
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Interest expenses, bln rub |
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929.1 |
1 714 |
1 836 |
4 368 |
5 934 |
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5 757 |
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Creation of provision for loan impairment, bln rub |
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144.7 |
450.1 |
235.4 |
413.0 |
646.6 |
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668.0 |
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Bank assets, bln rub |
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41 165 |
41 872 |
52 307 |
60 855 |
68 815 |
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69.0 |
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Capital, bln rub |
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5 639 |
5 815 |
6 584 |
7 176 |
8 352 |
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8 871 |
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Loan portfolio, bln rub |
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28 518 |
29 373 |
37 558 |
42 931 |
46 710 |
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47 754 |
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Corporate loans, bln rub |
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17 056 |
17 554 |
20 557 |
24 817 |
27 506 |
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28 071 |
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Retail loans, bln rub |
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11 462 |
12 430 |
15 359 |
18 115 |
19 204 |
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19 684 |
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Deposits, bln rub |
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28 312 |
29 876 |
36 693 |
44 627 |
49 374 |
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49 846 |
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Corporate deposits, bln rub |
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10 458 |
11 377 |
13 789 |
16 805 |
15 908 |
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15 905 |
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Retail deposits, bln rub |
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17 855 |
18 499 |
22 904 |
27 822 |
33 466 |
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33 941 |
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Provision for loan impairment, bln rub |
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1 422 |
1 664 |
1 823 |
2 010 |
2 398 |
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2 472 |
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Core capital adequacy ratio, % |
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14.0% |
15.1% |
13.8% |
12.4% |
13.2% |
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13.8% |
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Total capital adequacy ratio, % |
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14.9% |
15.6% |
14.0% |
12.8% |
14.1% |
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14.6% |
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Cost of risk ratio, % |
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0.560% |
1.90% |
0.800% |
1.000% |
1.30% |
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1.33% |
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Cost to Income (CIR), % |
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30.3% |
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30.2% |
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Loan to deposit ratio, % |
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101% |
98% |
102% |
96% |
95% |
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96% |
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Share of non-performing loans, % |
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2.90% |
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3.40% |
3.70% |
4.90% |
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4.80% |
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Ordinary share price, rub |
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293.1 |
141.3 |
271.5 |
279.2 |
300.3 |
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319.8 |
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Number of ordinary shares, mln |
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21 587 |
21 587 |
21 587 |
21 587 |
21 587 |
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21 587 |
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Preferred share price, rub |
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278.5 |
140.3 |
272.5 |
279.4 |
299.7 |
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319.9 |
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Number of preferred shares, mln |
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1 000 |
1 000 |
1 000 |
1 000 |
1 000 |
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1 000 |
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Free Float, % |
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48.0% |
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48.0% |
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Market cap, bln rub |
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6 606 |
3 189 |
6 132 |
6 305 |
6 782 |
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7 223 |
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EV, bln rub |
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6 606 |
3 189 |
6 132 |
4 053 |
2 844 |
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7 223 |
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EPS, rub |
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57.9 |
12.5 |
69.9 |
73.3 |
79.1 |
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82.4 |
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ROE, % |
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24.2% |
5.2% |
25.3% |
24.0% |
22.7% |
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24.4% |
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ROA, % |
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3.1% |
0.7% |
3.2% |
2.8% |
2.7% |
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Net intertest margin, % |
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5.44% |
5.31% |
5.98% |
6.00% |
6.20% |
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6.27% |
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Bank margin, % |
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50.0% |
13.2% |
44.0% |
41.4% |
40.3% |
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41.2% |
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P/E |
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5.28 |
11.8 |
4.06 |
3.99 |
3.97 |
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4.06 |
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P/B |
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1.17 |
0.55 |
0.93 |
0.88 |
0.81 |
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0.81 |
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Employees, people |
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287 866 |
210 700 |
296 585 |
308 092 |
291 795 |
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289 721 |
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Labour productivity, mln rub/person/year |
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8.69 |
9.75 |
11.6 |
12.4 |
14.5 |
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14.9 |
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Expenses per employee, thousand rub |
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1 802 |
2 330 |
1 929 |
2 171 |
2 614 |
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2 706 |
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IR rating
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4.6 |
4.6 |
4.6 |
4.6 |
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4.6 |
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Financial statement quality
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5 |
5 |
5 |
5 |
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5 |
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Investor Presentations
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5 |
5 |
5 |
5 |
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5 |
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Smart-lab presence
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2 |
2 |
2 |
2 |
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2 |
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Annual report
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5 |
5 |
5 |
5 |
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5 |
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Investor site URL
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5 |
5 |
5 |
5 |
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5 |
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Investor calendar
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5 |
5 |
5 |
5 |
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5 |
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IR feedback
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5 |
5 |
5 |
5 |
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5 |
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| Sberbank shareholders |
