Sberbank Financial Statements (SBER)

Сбербанкsmart-lab.ru %   2019 2020 2021 2022 2023   LTM ?
Report date 27.02.2020 04.03.2021 02.03.2022 09.03.2023 28.02.2024   28.02.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Annual report URL  
Presentation URL  
Net operating income, bln rub ? 2 013 2 182 2 501 2 055 3 428   3 428
Net interest income, bln rub ? 1 416 1 589 1 802 1 875 2 565   2 565
Net commission income, bln rub ? 497.9 545.3 616.8 697.1 763.9   763.9
Income on securities, bln rub ? 47.3 74.8 -517.2 99.6   99.6
Operating Income, bln rub   2 909
Net profit, bln rub ? 845.0 761.1 1 251 270.5 1 509   1 509
OCF, bln rub ? 663.9 797.5  
Dividend payout, bln rub 422.4 422.4 0.000 564.7  
Dividend, rub/share ? 18.7 18.7 0 25  
Ordinary share dividend yield, % 7.3% 6.9% 0.0% 17.7% 0.0%   0.0%
Preferred share dividend, rub/share 18.7 18.7 0 25  
Preferred share dividend yield, % 8.2% 7.8% 0.0% 17.8% 0.0%   0.0%
Dividend payout ratio, % 50% 55% 0% 209% 0%   0
OPEX, bln rub 724.6 738.5 858.6 822.0 924.4   924.4
Employment expenses, bln rub 449.7 457.6 518.8 491.0   259.0
Interest expenses, bln rub 980.5 787.5 929.1 1 714 1 836   1 836
Creation of provision for loan impairment, bln rub 155.6 484.0 144.7 450.1 235.4   235.4
Cash, bln rub 2 083 2 377 2 409 1 393 2 387   2 387
Net debt, bln rub -2 083 -2 377 -2 409 -1 393 -2 387   -2 387
Bank assets, bln rub 29 958 36 016 41 165 41 872 52 307   52 307
Capital, bln rub 4 478 5 045 5 639 5 815 6 584   6 584
Loan portfolio, bln rub 21 749 28 009 28 518 29 373 37 558   37 558
Corporate loans, bln rub 13 865 15 355 17 056 17 554 20 557   20 557
Retail loans, bln rub 7 884 9 102 11 462 12 430 15 359   15 359
Deposits, bln rub 21 574 25 766 28 312 29 876 36 694   36 694
Corporate deposits, bln rub 7 365 9 125 10 458 11 377 13 789   13 789
Retail deposits, bln rub 14 210 16 641 17 855 18 499 22 904   22 904
Core capital adequacy ratio, % ? 13.4% 13.8% 14.0% 15.1% 13.5%   13.5%
Total capital adequacy ratio, % ? 13.6% 14.7% 14.9% 15.6% 14.0%   14.0%
Cost of risk ratio, % ? 1.10% 2.03% 0.560% 1.90% 0.800%   1.15%
Loan to deposit ratio, % ? 101% 109% 101% 98% 102%   102%
Share of non-performing loans, % ? 4.30% 4.30% 2.90%  
Ordinary share price, rub 254.8 271.0 293.1 141.3 271.5   308.4
Number of ordinary shares, mln 21 587 21 587 21 587 21 587 21 587   21 587
Preferred share price, rub 228.3 240.7 278.5 140.3 272.5   308.5
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%  
Market cap, bln rub 5 728 6 091 6 606 3 189 6 132   6 966
EV, bln rub ? 3 645 3 714 4 197 1 797 3 746   4 579
EPS, rub ? 39.1 35.3 57.9 12.5 69.9   69.9
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
ROE, % ? 22.2% 16.1% 24.2% 5.2% 25.3%   22.9%
ROA, % ? 3.1% 2.3% 3.1% 0.7% 3.2%   2.8%
Net intertest margin, % ? 5.16% 5.47% 5.44% 5.31% 5.98%   5.97%
Bank margin, % ? 42.0% 34.9% 50.0% 13.2% 44.0%   44.0%
P/E ? 6.78 8.00 5.28 11.8 4.06   4.62
P/B ? 1.28 1.21 1.17 0.55 0.93   1.06
Employees, people 281 300 285 600 287 866 210 700  
Labour productivity, mln rub/person/year 7.16 7.64 8.69 9.75  
Expenses per employee, thousand rub 1 599 1 602 1 802 2 330  
IR rating 4.6 4.6   4.6
Financial statement quality 5 5   5
Investor Presentations 5 5   5
Smart-lab presence 2 2   2
Annual report 5 5   5
Investor site URL 5 5   5
Investor calendar 5 5   5
IR feedback 5 5   5
Sberbank shareholders