Sovcombank Financial Statements (SVCB)
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Report date
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01.12.2023 |
01.12.2023 |
15.03.2024 |
14.03.2025 |
13.03.2026 |
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15.05.2026 |
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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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123.2 |
67.7 |
248.0 |
289.7 |
321.0 |
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343.3 |
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Net interest income, bln rub |
? |
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84.5 |
49.1 |
138.9 |
158.1 |
176.5 |
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201.6 |
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Net commission income, bln rub |
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35.5 |
24.8 |
26.8 |
39.5 |
48.9 |
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51.7 |
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Income on securities, bln rub |
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-36.5 |
50.2 |
16.6 |
18.7 |
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25.1 |
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Net profit, bln rub |
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50.4 |
-14.6 |
94.1 |
75.6 |
48.9 |
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55.9 |
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Net profit not adj., bln rub |
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49.3 |
-29.3 |
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Dividend payout, bln rub
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0.000 |
28.5 |
7.86 |
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Dividend, rub/share
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0 |
1.39 |
0.35 |
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Ordinary share dividend yield, %
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0.0% |
0.0% |
10.1% |
2.5% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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0% |
0% |
30% |
10% |
0% |
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0 |
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OPEX, bln rub |
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64.8 |
75.8 |
94.1 |
131.8 |
157.9 |
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160.9 |
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Amortization, bln rub |
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5.4 |
6.1 |
9.7 |
13.2 |
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Employment expenses, bln rub |
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37.2 |
43.1 |
53.1 |
75.2 |
88.6 |
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90.4 |
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Interest expenses, bln rub |
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171.8 |
437.9 |
563.8 |
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534.8 |
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Creation of provision for loan impairment, bln rub |
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53.9 |
32.5 |
73.9 |
80.7 |
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91.9 |
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Bank assets, bln rub |
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2 185 |
3 189 |
4 046 |
4 520 |
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4 195 |
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Capital, bln rub |
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242.0 |
191.7 |
297.1 |
371.4 |
409.1 |
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428.4 |
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Loan portfolio, bln rub |
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1 177 |
1 387 |
1 895 |
2 782 |
3 200 |
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3 011 |
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Corporate loans, bln rub |
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840.7 |
1 136 |
1 430 |
1 787 |
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1 630 |
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Retail loans, bln rub |
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626.7 |
837.9 |
1 352 |
1 413 |
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1 381 |
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Deposits, bln rub |
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1 419 |
1 688 |
2 500 |
3 041 |
3 428 |
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3 005 |
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Corporate deposits, bln rub |
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966.2 |
1 670 |
1 854 |
2 068 |
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1 659 |
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Retail deposits, bln rub |
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721.4 |
833.0 |
1 188 |
1 361 |
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1 346 |
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Provision for loan impairment, bln rub |
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80.5 |
88.2 |
118.1 |
152.2 |
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154.4 |
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Core capital adequacy ratio, % |
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9.10% |
8.30% |
8.80% |
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9.70% |
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Total capital adequacy ratio, % |
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11.2% |
10.1% |
10.00% |
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10.7% |
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Cost of risk ratio, % |
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1.80% |
2.60% |
2.90% |
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3.15% |
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Cost to Income (CIR), % |
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51.0% |
55.0% |
57.0% |
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53.8% |
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Loan to deposit ratio, % |
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83% |
82% |
76% |
91% |
93% |
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100% |
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Share of non-performing loans, % |
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3.30% |
3.40% |
4.70% |
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5.00% |
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Ordinary share price, rub |
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11.5 |
11.5 |
13.7 |
14.2 |
12.7 |
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11.8 |
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Number of ordinary shares, mln |
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19 694 |
19 694 |
20 694 |
22 516 |
22 516 |
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22 516 |
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Free Float, % |
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4.70% |
14.2% |
16.3% |
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17.9% |
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Market cap, bln rub |
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226.5 |
226.5 |
283.5 |
320.1 |
285.2 |
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266.5 |
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EV, bln rub |
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226.5 |
73.9 |
-342.5 |
-218.9 |
-424.5 |
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266.5 |
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EPS, rub |
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2.56 |
-0.74 |
4.55 |
3.36 |
2.17 |
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2.48 |
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ROE, % |
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45.0% |
26.0% |
15.0% |
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20.0% |
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Net intertest margin, % |
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7.50% |
5.90% |
6.50% |
5.40% |
5.30% |
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5.95% |
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Bank margin, % |
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40.9% |
-21.6% |
38.0% |
26.1% |
15.2% |
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16.3% |
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P/E |
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4.49 |
-15.5 |
3.01 |
4.23 |
5.83 |
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4.77 |
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P/B |
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0.94 |
1.18 |
0.95 |
0.86 |
0.70 |
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0.62 |
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Employees, people |
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25 666 |
28 944 |
35 996 |
36 672 |
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35 115 |
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Labour productivity, mln rub/person/year |
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2.64 |
8.57 |
8.05 |
8.75 |
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9.78 |
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Expenses per employee, thousand rub |
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1 678 |
1 835 |
2 089 |
2 416 |
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2 573 |
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IR rating
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3.3 |
3.3 |
3.3 |
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3.3 |
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Financial statement quality
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5 |
5 |
5 |
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5 |
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Investor Presentations
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1 |
1 |
1 |
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1 |
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Smart-lab presence
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3 |
3 |
3 |
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3 |
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Annual report
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5 |
5 |
5 |
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5 |
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Investor site URL
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3 |
3 |
3 |
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3 |
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Investor calendar
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1 |
1 |
1 |
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1 |
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IR feedback
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5 |
5 |
5 |
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5 |
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| Sovcombank shareholders |
