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		2021	2022	2023	2024	2025	LTM ?
Report date		02.03.2022	09.03.2023	28.02.2024	27.02.2025	26.02.2026	26.02.2026
Currency		RUB	RUB	RUB	RUB	RUB	RUB
Financial report URL
Annual report URL
Presentation URL

Net operating income, bln rub	?	2 501	2 055	3 428	3 819	4 240	4 240
Net interest income, bln rub	?	1 802	1 875	2 565	3 000	3 556	3 556
Net commission income, bln rub	?	616.8	697.1	763.9	842.9	833.7	833.7
Income on securities, bln rub	?	74.8	-517.2	99.6	-23.5	146.3	146.3
Number of cliens, mln clients				108.5	109.9	110.7	110.7

Operating Income, bln rub							1 712
Net profit, bln rub	?	1 251	270.5	1 509	1 582	1 707	1 707

OCF, bln rub	?	797.5
Dividend payout, bln rub		0.000	564.7	752.2	786.9

Dividend, rub/share	?	0	25	33.3	34.84
Ordinary share dividend yield, %		0.0%	17.7%	12.3%	12.5%	0.0%	0.0%
Preferred share dividend, rub/share		0	25	33.3	34.84
Preferred share dividend yield, %		0.0%	17.8%	12.2%	12.5%	0.0%	0.0%
Dividend payout ratio, %		0%	209%	50%	50%	0%	0

OPEX, bln rub		858.6	822.0	924.4	1 063	1 237	1 237
Employment expenses, bln rub		518.8	491.0	572.2	668.9	762.8	762.8
Interest expenses, bln rub		929.1	1 714	1 836	4 368	5 934	5 934
Creation of provision for loan impairment, bln rub		144.7	450.1	235.4	413.0	646.6	646.6

Bank assets, bln rub		41 165	41 872	52 307	60 855	68 815	68 815
Capital, bln rub		5 639	5 815	6 584	7 176	8 352	8 352
Loan portfolio, bln rub		28 518	29 373	37 558	40 921	44 312	44 312
Corporate loans, bln rub		17 056	17 554	20 557	23 716	26 281	26 281
Retail loans, bln rub		11 462	12 430	15 359	17 206	18 031	18 031
Deposits, bln rub		28 312	29 876	36 693	44 627	49 374	49 374
Corporate deposits, bln rub		10 458	11 377	13 789	16 805	15 908	15 908
Retail deposits, bln rub		17 855	18 499	22 904	27 822	33 466	33 466

Core capital adequacy ratio, %	?	14.0%	15.1%	13.8%	12.4%	13.2%	13.2%
Total capital adequacy ratio, %	?	14.9%	15.6%	14.0%	12.8%	14.1%	14.1%
Cost of risk ratio, %	?	0.560%	1.90%	0.800%	1.000%	1.30%	1.31%
Cost to Income (CIR), %	?					30.3%	30.3%
Loan to deposit ratio, %	?	101%	98%	102%	92%	90%	90%
Share of non-performing loans, %	?	2.90%		3.40%	3.70%

Ordinary share price, rub		293.1	141.3	271.5	279.2	300.3	316.6
Number of ordinary shares, mln		21 587	21 587	21 587	21 587	21 587	21 587
Preferred share price, rub		278.5	140.3	272.5	279.4	299.7	316.4
Number of preferred shares, mln		1 000	1 000	1 000	1 000	1 000	1 000
Free Float, %						48.0%	48.0%

Market cap, bln rub		6 606	3 189	6 132	6 305	6 782	7 150
EV, bln rub	?	4 197	1 797	3 745	4 053	2 844	3 212

EPS, rub	?	57.9	12.5	69.9	73.3	79.1	79.1

ROE, %	?	24.2%	5.2%	25.3%	24.0%	22.7%	19.9%
ROA, %	?	3.1%	0.7%	3.2%	2.8%	2.7%	2.4%
Net intertest margin, %	?	5.44%	5.31%	5.98%	6.00%	6.20%	6.22%
Bank margin, %	?	50.0%	13.2%	44.0%	41.4%	40.3%	40.3%

P/E	?	5.28	11.8	4.06	3.99	3.97	4.19
P/B	?	1.17	0.55	0.93	0.88	0.81	0.86

Employees, people		287 866	210 700	296 585	308 092	291 795	291 795
Labour productivity, mln rub/person/year		8.69	9.75	11.6	12.4	14.5	14.5
Expenses per employee, thousand rub		1 802	2 330	1 929	2 171	2 614	2 614

IR rating			4.6	4.6	4.6	4.6	4.6
Financial statement quality			5	5	5	5	5
Investor Presentations			5	5	5	5	5
Smart-lab presence			2	2	2	2	2
Annual report			5	5	5	5	5
Investor site URL			5	5	5	5	5
Investor calendar			5	5	5	5	5
IR feedback			5	5	5	5	5

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