Sovcombank Financial Statements (SVCB)

Совкомбанкsmart-lab.ru %   2023Q1 2023Q2 2023Q3 2023Q4 2024Q1   LTM ?
Report date 15.03.2024 15.03.2024 30.11.2023 15.03.2024 16.05.2024   16.05.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Net operating income, bln rub ? 49.0 57.8 45.5 51.6 49.3   204.1
Net interest income, bln rub ? 20.0 25.3 37.0 23.8 18.4   104.5
Net commission income, bln rub ? 6.30 6.47 7.06 7.31 5.39   26.2
Income on securities, bln rub ? 19.1 20.5 9.62 0.500 7.96   38.6
Net profit, bln rub ? 22.4 28.8 24.6 18.3 24.8   96.5
Dividend payout, bln rub 5.00 23.5 22.8   51.3
Dividend, rub/share ? 0.25 1.14 1.1   2.49
Ordinary share dividend yield, % 0.0% 0.0% 2.2% 8.3% 5.7%   14.5%
Dividend payout ratio, % 0% 0% 20% 128% 92%   53%
OPEX, bln rub 22.5 21.2 22.3 28.2 26.7   98.3
Employment expenses, bln rub 12.4 12.9 12.6 15.2 16.2   56.9
Interest expenses, bln rub 104.0   104.0
Creation of provision for loan impairment, bln rub 13.3 17.2   30.5
Cash, bln rub 204.2 440.7 626.0 681.0   681.0
Net debt, bln rub 0.00 -204.2 -440.7 -626.0 -681.0   -681.0
Bank assets, bln rub 2 373 2 791 3 189 3 615   3 615
Capital, bln rub 246.4 268.3 297.1 334.9   334.9
Loan portfolio, bln rub 1 527 1 722 1 895 2 235   2 235
Corporate loans, bln rub 891.2 1 018 1 136 1 221   1 221
Retail loans, bln rub 716.8 777.2 837.9 1 101   1 101
Deposits, bln rub 1 859 2 199 2 500 2 726   2 726
Corporate deposits, bln rub 1 084 55.5 1 670 1 721   1 721
Retail deposits, bln rub 774.1 12.9 833.0 1 005   1 005
Core capital adequacy ratio, % ? 12.0%  
Cost of risk ratio, % ? -2.80% -2.00%   -2.00%
Loan to deposit ratio, % ? 82% 78% 76% 82%   82%
Ordinary share price, rub 11.5 11.5 11.5 13.7 19.2   17.1
Number of ordinary shares, mln 19 694 19 694 20 694 20 694 20 694   20 694
Market cap, bln rub 226.5 226.5 238.0 283.5 397.7   354.6
EV, bln rub ? 226.5 22.3 -202.7 -342.5 -283.3   -326.4
EPS, rub ? 1.14 1.46 1.19 0.89 1.20   4.66
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
ROE, % ? 52.0% 35.0%   35.0%
Net intertest margin, % ? 6.40% 5.40%   5.40%
Bank margin, % ? 45.8% 49.9% 54.0% 35.5% 50.2%   47.3%
P/E ? 10.1 4.42 3.14 3.01 4.12   3.68
P/B ? 0.92 0.89 0.95 1.19   1.06
Employees, people 26 882 28 057 28 944 36 214   36 214
Expenses per employee, thousand rub 481.0 449.1 523.4 447.1   1 570
IR rating 3.3   3.3
Financial statement quality 4   4
Investor Presentations 1   1
Smart-lab presence 4   4
Annual report 1   1
Investor site URL 3   3
Investor calendar 5   5
IR feedback 5   5
Sovcombank shareholders