By Helgi Library - November 22, 2023
Sberbank's mortgage loans reached RUB 3,435,200 mil in 2Q2018, up 2.70% compared to the previous year. Russian banking sector p...
By Helgi Library - November 22, 2023
Sberbank's mortgage loans reached RUB 3,435,200 mil in 2Q2018, up 2.70% compared to the previous year. Russian banking sector p...
By Helgi Library - March 24, 2021
Sberbank made a net profit of RUB 205,580 mil under revenues of RUB 590,700 mil in the fourth quarter of 2020, down 5.28% and ...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | RUB mil | 1,396,500 | 1,415,500 | 1,608,200 |
| Net Fee Income | RUB mil | 438,100 | 497,900 | 552,600 |
| Other Income | RUB mil | 200,800 | 289,100 | 312,900 |
| Total Revenues | RUB mil | 2,035,400 | 2,202,500 | 2,473,700 |
| Staff Cost | RUB mil | 404,400 | 449,700 | 465,900 |
| Operating Profit | RUB mil | 1,318,200 | 1,429,400 | 1,627,600 |
| Provisions | RUB mil | 96,800 | 92,600 | 412,000 |
| Net Profit | RUB mil | 844,940 | 920,560 | 776,280 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | RUB mil | 1,727,700 | 1,270,500 | 2,145,300 |
| Customer Loans | RUB mil | 19,585,000 | 20,363,500 | 23,386,400 |
| Investments | RUB mil | 3,470,700 | 4,221,100 | 5,663,700 |
| Total Assets | RUB mil | 31,197,500 | 29,959,700 | 36,016,000 |
| Shareholders' Equity | RUB mil | 3,855,800 | 4,486,700 | 5,046,500 |
| Interbank Borrowing | RUB mil | 1,180,300 | 797,600 | 1,996,900 |
| Customer Deposits | RUB mil | 20,813,800 | 21,547,100 | 25,332,200 |
| Issued Debt Securities | RUB mil | 1,607,400 | 1,453,500 | 1,526,800 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 23.2 | 22.1 | 16.3 |
| ROA | % | 2.90 | 3.01 | 2.35 |
| Costs (As % Of Assets) | % | 2.46 | 2.53 | 2.56 |
| Costs (As % Of Income) | % | 35.2 | 35.1 | 34.2 |
| Capital Adequacy Ratio | % | 12.4 | 13.6 | 14.7 |
| Net Interest Margin | % | 4.79 | 4.63 | 4.88 |
| Loans (As % Of Deposits) | % | 94.1 | 94.5 | 92.3 |
| NPLs (As % Of Loans) | % | 3.75 | 3.94 | 4.02 |
| Provisions (As % Of NPLs) | % | 189 | 162 | 161 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 57,662 | 88,100 | 78,483 |
| Number Of Shares | mil | 21,500 | 21,500 | 21,500 |
| Share Price | RUB | 186 | 255 | 271 |
| Price/Earnings (P/E) | 4.81 | 6.06 | 7.74 | |
| Price/Book Value (P/BV) | 1.04 | 1.22 | 1.15 | |
| Dividend Yield | % | 8.59 | 7.34 | 6.90 |
| Earnings Per Share (EPS) | RUB | 38.8 | 42.1 | 35.0 |
| Book Value Per Share | RUB | 179 | 209 | 235 |
| Dividend Per Share | RUB | 16.0 | 18.7 | 18.7 |
Get all company financials in excel:
| summary | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||||||
| Net Interest Income | RUB mil | ... | 1,019,700 | 988,000 | 1,362,800 | 1,348,800 | 1,396,500 | ||||||||||||||||||||
| Total Revenues | RUB mil | ... | 1,398,400 | 1,528,900 | 1,831,300 | 1,963,400 | 2,035,400 | ||||||||||||||||||||
| Operating Profit | RUB mil | ... | 783,700 | 873,800 | 1,107,100 | 1,289,600 | 1,318,200 | ||||||||||||||||||||
| Net Profit | RUB mil | ... | 293,160 | 226,340 | 540,620 | 733,940 | 844,940 | ||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||
| Interbank Loans | RUB mil | ... | 1,531,600 | 1,094,200 | 1,187,400 | 1,576,700 | 1,727,700 | ||||||||||||||||||||
| Customer Loans | RUB mil | ... | 17,635,100 | 18,606,200 | 17,253,200 | 18,488,100 | 19,585,000 | ||||||||||||||||||||
| Investments | RUB mil | ... | ... | ... | 1,104,800 | 2,720,900 | 2,662,800 | 3,079,300 | 3,470,700 | ||||||||||||||||||
| Total Assets | RUB mil | ... | 25,200,800 | 27,334,700 | 25,368,500 | 27,112,200 | 31,197,500 | ||||||||||||||||||||
| Shareholders' Equity | RUB mil | ... | 2,020,100 | 2,375,000 | 2,821,600 | 3,436,000 | 3,855,800 | ||||||||||||||||||||
| Interbank Borrowing | RUB mil | ... | 3,684,800 | 1,157,000 | 633,800 | 748,500 | 1,180,300 | ||||||||||||||||||||
| Customer Deposits | RUB mil | ... | 15,534,000 | 19,687,200 | 18,612,900 | 19,759,000 | 20,813,800 | ||||||||||||||||||||
| Issued Debt Securities | RUB mil | ... | 2,593,400 | 2,583,000 | 2,162,300 | 1,898,200 | 1,607,400 | ||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | 15.0 | 10.3 | 20.8 | 23.5 | 23.2 | ||||||||||||||||||
| ROA | % | ... | ... | ... | 1.35 | 0.862 | 2.05 | 2.80 | 2.90 | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.83 | 2.49 | 2.75 | 2.57 | 2.46 | ||||||||||||||||||
| Costs (As % Of Income) | % | ... | 44.0 | 42.8 | 39.5 | 34.3 | 35.2 | ||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 12.1 | 12.6 | 15.7 | 13.0 | 12.4 | ||||||||||||||||
| Net Interest Margin | % | ... | ... | ... | 4.70 | 3.76 | 5.17 | 5.14 | 4.79 | ||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 72.9 | 64.6 | 74.4 | 68.7 | 68.6 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 20.2 | 20.9 | 19.1 | 19.2 | 21.5 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 52.6 | 53.6 | 53.8 | 56.9 | 56.4 | ||||||||||||||||||
| Equity (As % Of Assets) | % | ... | 8.02 | 8.69 | 11.1 | 12.7 | 12.4 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | 114 | 94.5 | 92.7 | 93.6 | 94.1 | ||||||||||||||||||||
| Loans (As % Assets) | % | ... | 70.0 | 68.1 | 68.0 | 68.2 | 62.8 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.5 | 11.2 | 11.0 | 10.1 | 3.75 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.5 | 53.8 | 64.0 | 69.5 | 189 | |||||||||
| valuation | |||||||||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | 20,345 | 29,975 | 61,088 | 84,184 | 57,662 | |||||||||||||||||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | 21,500 | 21,500 | 21,500 | 21,500 | 21,500 | |||||||||||||
| Share Price | RUB | ... | ... | ... | ... | 54.9 | 101 | 173 | 225 | 186 | |||||||||||||||||
| Earnings Per Share (EPS) | RUB | ... | ... | ... | ... | ... | ... | 13.5 | 10.5 | 25.1 | 33.9 | 38.8 | |||||||||||||||
| Book Value Per Share | RUB | ... | ... | ... | ... | ... | ... | ... | ... | 94.0 | 110 | 131 | 160 | 179 | |||||||||||||
| Dividend Per Share | RUB | ... | ... | ... | ... | ... | ... | ... | ... | 0.450 | 1.97 | 6.00 | 12.0 | 16.0 | |||||||||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 4.07 | 9.64 | 6.91 | 6.65 | 4.81 | ||||||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | 0.584 | 0.917 | 1.32 | 1.41 | 1.04 | ||||||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.820 | 1.95 | 3.46 | 5.33 | 8.59 | |||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -21.5 | -22.1 | 139 | 35.2 | 14.4 | ||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | 7.37 | 17.6 | 18.8 | 21.8 | 12.2 |
| income statement | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||||||
| Interest Income | RUB mil | ... | 1,837,900 | 2,279,600 | 2,399,000 | 2,131,400 | 2,188,300 | ||||||||||||||||||||
| Interest Cost | RUB mil | ... | 818,200 | 1,291,600 | 1,036,200 | 782,600 | 791,800 | ||||||||||||||||||||
| Net Interest Income | RUB mil | ... | 1,019,700 | 988,000 | 1,362,800 | 1,348,800 | 1,396,500 | ||||||||||||||||||||
| Net Fee Income | RUB mil | ... | 282,300 | 319,000 | 349,100 | 377,100 | 438,100 | ||||||||||||||||||||
| Fee Income | RUB mil | ... | 329,500 | 384,100 | 436,300 | 479,000 | 598,500 | ||||||||||||||||||||
| Fee Expense | RUB mil | ... | 47,200 | 65,100 | 87,200 | 101,900 | 160,400 | ||||||||||||||||||||
| Other Income | RUB mil | ... | 96,400 | 221,900 | 119,400 | 237,500 | 200,800 | ||||||||||||||||||||
| Total Revenues | RUB mil | ... | 1,398,400 | 1,528,900 | 1,831,300 | 1,963,400 | 2,035,400 | ||||||||||||||||||||
| Staff Cost | RUB mil | ... | ... | ... | 323,500 | 351,100 | 389,800 | 383,300 | 404,400 | ||||||||||||||||||
| Depreciation | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 61,000 | 61,700 | 64,000 | 40,200 | 48,300 | |||||||
| Other Cost | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 230,200 | 242,300 | 270,400 | 250,300 | 264,500 | |||||||
| Operating Cost | RUB mil | ... | 614,700 | 655,100 | 724,200 | 673,800 | 717,200 | ||||||||||||||||||||
| Operating Profit | RUB mil | ... | 783,700 | 873,800 | 1,107,100 | 1,289,600 | 1,318,200 | ||||||||||||||||||||
| Provisions | RUB mil | ... | 361,400 | 475,200 | 342,400 | 263,800 | 96,800 | ||||||||||||||||||||
| Extra and Other Cost | RUB mil | ... | 47,200 | 65,100 | 87,200 | 101,900 | 160,400 | ||||||||||||||||||||
| Pre-Tax Profit | RUB mil | ... | 375,100 | 333,500 | 677,500 | 923,900 | 1,061,000 | ||||||||||||||||||||
| Tax | RUB mil | ... | 83,840 | 107,560 | 135,480 | 191,660 | 217,260 | ||||||||||||||||||||
| Minorities | RUB mil | ... | -1,900 | -400 | 1,400 | -1,700 | -1,200 | ||||||||||||||||||||
| Net Profit | RUB mil | ... | 293,160 | 226,340 | 540,620 | 733,940 | 844,940 | ||||||||||||||||||||
| Net Profit Avail. to Common | RUB mil | ... | 290,060 | 225,840 | 538,720 | 728,140 | 833,240 | ||||||||||||||||||||
| Dividends | RUB mil | ... | ... | ... | ... | 9,714 | 42,526 | 129,522 | 258,100 | 361,400 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 18.3 | -3.11 | 37.9 | -1.03 | 3.54 | ||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | 28.1 | 13.0 | 9.44 | 8.02 | 16.2 | ||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | 18.5 | 9.33 | 19.8 | 7.21 | 3.67 | ||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | 10.3 | 6.57 | 10.5 | -6.96 | 6.44 | ||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | 25.9 | 11.5 | 26.7 | 16.5 | 2.22 | ||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | -19.2 | -11.1 | 103 | 36.4 | 14.8 | ||||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | -21.3 | -22.8 | 139 | 35.8 | 15.1 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.3 | 22.9 | 14.0 | 18.0 | ... | ... | ... | ||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 60.2 | 266 | 82.4 | 146 | ... | ... | ... | ||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34.7 | 39.5 | ... | ... | ... | ... | ... |
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.226 | 0.211 | 0.233 | 0.276 | ... | ... | ... |
| balance sheet | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | |||||||||||||||||||||||||||
| Cash & Cash Equivalents | RUB mil | ... | 2,674,500 | 2,721,500 | 2,962,800 | 2,756,500 | 2,320,900 | ||||||||||||||||||||
| Interbank Loans | RUB mil | ... | 1,531,600 | 1,094,200 | 1,187,400 | 1,576,700 | 1,727,700 | ||||||||||||||||||||
| Customer Loans | RUB mil | ... | 17,635,100 | 18,606,200 | 17,253,200 | 18,488,100 | 19,585,000 | ||||||||||||||||||||
| Retail Loans | RUB mil | ... | 4,847,300 | 4,965,600 | 5,031,700 | 5,716,600 | 6,751,200 | ||||||||||||||||||||
| Mortgage Loans | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,269,800 | 2,554,600 | 2,750,900 | 3,190,600 | 3,850,600 | |||||||
| Consumer Loans | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,577,500 | 2,411,000 | 2,280,800 | 2,526,000 | 2,900,600 | |||||||
| Corporate Loans | RUB mil | ... | ... | ... | 9,026,500 | 10,368,000 | 9,916,000 | 14,174,600 | 14,331,100 | ||||||||||||||||||
| Investments | RUB mil | ... | ... | ... | 1,104,800 | 2,720,900 | 2,662,800 | 3,079,300 | 3,470,700 | ||||||||||||||||||
| Property and Equipment | RUB mil | ... | 496,400 | 499,200 | 482,900 | 516,200 | 593,900 | ||||||||||||||||||||
| Intangible Assets | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 101,400 | 105,400 | 93,900 | 86,000 | 75,400 | |||||||||||
| Goodwill | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,700 | 22,100 | 18,900 | 10,000 | 10,800 | |||||||
| Total Assets | RUB mil | ... | 25,200,800 | 27,334,700 | 25,368,500 | 27,112,200 | 31,197,500 | ||||||||||||||||||||
| Shareholders' Equity | RUB mil | ... | 2,020,100 | 2,375,000 | 2,821,600 | 3,436,000 | 3,855,800 | ||||||||||||||||||||
| Of Which Minority Interest | RUB mil | ... | 4,500 | 2,200 | 3,500 | 4,000 | 3,800 | ||||||||||||||||||||
| Liabilities | RUB mil | ... | 23,180,700 | 24,959,700 | 22,546,900 | 23,676,200 | 27,341,700 | ||||||||||||||||||||
| Interbank Borrowing | RUB mil | ... | 3,684,800 | 1,157,000 | 633,800 | 748,500 | 1,180,300 | ||||||||||||||||||||
| Customer Deposits | RUB mil | ... | 15,534,000 | 19,687,200 | 18,612,900 | 19,759,000 | 20,813,800 | ||||||||||||||||||||
| Sight Deposits | RUB mil | ... | ... | ... | ... | ... | ... | ... | 3,705,900 | 4,776,600 | 4,461,200 | 5,257,000 | 5,792,000 | ||||||||||||||
| Term Deposits | RUB mil | ... | ... | ... | ... | ... | ... | ... | 11,828,100 | 14,910,600 | 14,151,700 | 14,502,000 | 15,021,800 | ||||||||||||||
| Issued Debt Securities | RUB mil | ... | 2,593,400 | 2,583,000 | 2,162,300 | 1,898,200 | 1,607,400 | ||||||||||||||||||||
| Subordinated Debt | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 769,500 | 806,500 | 739,900 | 716,300 | 707,300 | |||||||
| Other Liabilities | RUB mil | ... | 1,368,500 | 1,532,500 | 1,137,900 | 1,270,500 | 3,740,200 | ||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||
| Non-Performing Loans | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,052,800 | 2,224,300 | 2,037,500 | 2,018,400 | 791,600 | |||||||||
| Gross Loans | RUB mil | ... | 18,504,600 | 19,802,700 | 18,556,600 | 19,891,200 | 21,082,300 | ||||||||||||||||||||
| Risk-Weighted Assets | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,365,000 | 24,995,500 | 22,268,200 | 29,496,800 | 31,793,100 | |||||||||
| Total Provisions | RUB mil | ... | 869,500 | 1,196,500 | 1,303,400 | 1,403,100 | 1,497,300 | ||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 37.8 | 5.51 | -7.27 | 7.16 | 5.93 | ||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 29.3 | 2.44 | 1.33 | 13.6 | 18.1 | |||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 44.7 | 12.5 | 7.68 | 16.0 | 20.7 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.3 | -6.46 | -5.40 | 10.8 | 14.8 | ||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 45.0 | 14.9 | -4.36 | 42.9 | 1.10 | ||||||||||
| Total Asset Growth | % | ... | ... | ... | 38.4 | 8.47 | -7.19 | 6.87 | 15.1 | ||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | 7.37 | 17.6 | 18.8 | 21.8 | 12.2 | ||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | 28.9 | 26.7 | -5.46 | 6.16 | 5.34 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | 38.8 | 37.8 | 36.9 | 38.1 | 35.0 | ... | ... | |||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.0 | 34.1 | 36.2 | 52.1 | ... | ... | ... | ||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.0 | 36.0 | 36.1 | 36.2 | ... | ... | ... | |||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 42.8 | 46.5 | 46.6 | 47.0 | ... | ... | ... | ||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 64.3 | 64.1 | 61.3 | 61.5 | ... | ... | ... | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34.5 | 35.5 | 34.3 | 34.8 | 37.1 | ... | ... | ||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 49.4 | 52.6 | 52.9 | 52.7 | 49.6 | ... | ... |
| ratios | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | ... | ... | 15.0 | 10.3 | 20.8 | 23.5 | 23.2 | ||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.7 | 10.8 | 21.6 | 24.2 | 23.7 | ||||||||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.70 | 6.24 | 15.3 | 18.9 | 18.4 | ||||||||
| ROA | % | ... | ... | ... | 1.35 | 0.862 | 2.05 | 2.80 | 2.90 | ||||||||||||||||||
| Return on Loans | % | ... | 1.93 | 1.25 | 3.02 | 4.11 | 4.44 | ||||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.89 | 3.61 | 4.68 | 4.98 | 4.30 | ||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.83 | 2.49 | 2.75 | 2.57 | 2.46 | ||||||||||||||||||
| Costs (As % Of Income) | % | ... | 44.0 | 42.8 | 39.5 | 34.3 | 35.2 | ||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | ... | ... | 4.04 | 3.62 | 4.04 | 3.77 | 3.77 | ||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | 2.12 | 1.83 | 1.95 | 1.82 | 1.82 | ||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 12.1 | 12.6 | 15.7 | 13.0 | 12.4 | ||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 8.60 | 8.90 | 12.3 | 11.4 | 11.8 | |||||||||||||||
| Net Interest Margin | % | ... | ... | ... | 4.70 | 3.76 | 5.17 | 5.14 | 4.79 | ||||||||||||||||||
| Interest Spread | % | ... | ... | ... | 4.33 | 3.31 | 4.74 | 4.74 | 4.40 | ||||||||||||||||||
| Asset Yield | % | ... | ... | ... | 8.47 | 8.68 | 9.10 | 8.12 | 7.51 | ||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.94 | 6.32 | 7.75 | 7.59 | 6.64 | ||||||||
| Cost Of Liabilities | % | ... | ... | ... | 4.14 | 5.37 | 4.36 | 3.39 | 3.10 | ||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | 3.31 | 18.8 | 24.0 | 35.2 | 42.8 | |||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 72.9 | 64.6 | 74.4 | 68.7 | 68.6 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 20.2 | 20.9 | 19.1 | 19.2 | 21.5 | ||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | 6.89 | 14.5 | 6.52 | 12.1 | 9.87 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 52.6 | 53.6 | 53.8 | 56.9 | 56.4 | ||||||||||||||||||
| Equity (As % Of Assets) | % | ... | 8.02 | 8.69 | 11.1 | 12.7 | 12.4 | ||||||||||||||||||||
| Equity (As % Of Loans) | % | ... | 11.5 | 12.8 | 16.4 | 18.6 | 19.7 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | 114 | 94.5 | 92.7 | 93.6 | 94.1 | ||||||||||||||||||||
| Loans (As % Assets) | % | ... | 70.0 | 68.1 | 68.0 | 68.2 | 62.8 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.5 | 11.2 | 11.0 | 10.1 | 3.75 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.5 | 53.8 | 64.0 | 69.5 | 189 | |||||||||
| Provisions (As % Of Loans) | % | ... | 4.93 | 6.43 | 7.55 | 7.59 | 7.65 | ||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 2.38 | 2.62 | 1.91 | 1.48 | 0.508 |
| other data | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 94.0 | 78.0 | 79.0 | 91.0 | 89.0 | ||||||||||||
| Employees | ... | 329,566 | 330,677 | 325,075 | 310,277 | 293,752 | |||||||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,506 | 4,239 | 4,115 | 3,410 | 3,301 | ||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 1,748 | 1,324 | 1,497 | 1,741 | 1,806 | ||||||||||||||||||
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | 81,800 | 88,480 | 99,926 | 102,946 | 114,723 | ||||||||||||||||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.0 | 14.0 | 13.0 | 14.3 | 14.2 | ... | ||||
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 70.5 | 70.2 | 69.1 | 67.8 | 68.0 | ... | ||||
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.0 | ... | ... |
| customer breakdown | Unit | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Value per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Revenue per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Net Profit per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Loan per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Deposit per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - March 24, 2021
Sberbank made a net profit of RUB 205,580 mil under revenues of RUB 590,700 mil in the fourth quarter of 2020, down 5.28% and 4.42% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of RUB 28...
By Helgi Library - March 24, 2021
Sberbank's customer deposits reached RUB 19,563,800 mil in 2018-09-30, up 1.90% compared to the previous year. Russian banking sector accepted customer deposits of RUB 40,113 bil in 2018-09-30, up 2.56% when compared to the last year. Sberbank accounted f...
By Helgi Library - March 24, 2021
Sberbank's customer loans reached RUB 18,654,600 mil in 2018-09-30, up 3.55% compared to the previous year. Russian banking sector provided customer loans of RUB 54,055 bil in 2018-09-30, up 5.04% when compared to the last year. Sberbank accounted for 34....
By Helgi Library - March 24, 2021
Sberbank's customer deposits reached RUB 19,563,800 mil in 2018-09-30, up 1.90% compared to the previous year. Russian banking sector accepted customer deposits of RUB 40,113 bil in 2018-09-30, up 2.56% when compared to the last year. Sberbank accounted f...
By Helgi Library - March 24, 2021
Sberbank's customer loans reached RUB 18,654,600 mil in 2018-09-30, up 3.55% compared to the previous year. Russian banking sector provided customer loans of RUB 54,055 bil in 2018-09-30, up 5.04% when compared to the last year. Sberbank accounted for 34....
By Helgi Library - March 24, 2021
Sberbank's retail loans reached RUB 6,419,700 mil in the third quarter of 2018, up 6.83% compared to the previous year. Russian banking sector provided retail loans of RUB 14,482 bil in 3Q2018, up 6.39% when compared to the last year. Sberbank accounted f...
By Helgi Library - March 24, 2021
Sberbank's retail loans reached RUB 6,419,700 mil in the third quarter of 2018, up 6.83% compared to the previous year. Russian banking sector provided retail loans of RUB 14,482 bil in 3Q2018, up 6.39% when compared to the last year. Sberbank accounted f...
By Helgi Library - March 24, 2021
Sberbank's loans reached RUB 25,008,600 mil in the fourth quarter of 2020, up from RUB 24,546,200 mil when compared to the previous quarter and up from RUB 21,749,400 mil when compared to the same period of last year. Historically, the bank’s loans ...
By Helgi Library - March 24, 2021
Sberbank's loans reached RUB 25,008,600 mil in the fourth quarter of 2020, up from RUB 24,546,200 mil when compared to the previous quarter and up from RUB 21,749,400 mil when compared to the same period of last year. Historically, the bank’s loans ...
By Helgi Library - March 24, 2021
Sberbank's non-performing loans reached 4.02% of total loans at the end of 2020-12-31, up from 3.94% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.3% in 2018-06-30 and an all time low of 0.668% in 2007-12-31. Provisio...
Sberbank of Russia OJSC is the largest Russian commercial bank. It offers many banking services for retail and corporate customers such as payments and transfers, currency exchange, travel checks, mutual funds, metal trading, deposits, brokerage services and many other services. At the end of 2015, the Bank operated almost 16,500 branches and employed over 300,000 persons in Russia. It also operates in number of other countries including Turkey, Ukraine, Belarus, Kazakhstan, Austria, Switzerland, India, Germany, or China. The Bank holds around 30% of Russia's bank assets, but approximately 40% in terms of clients loans and deposits. Sberbank of Russia OJSC was founded in 1841 and is headquartered in Moscow, the Russian Federation.
Sberbank has been growing its revenues and asset by 13.8% and 15.4% a year on average in the last 10 years. Its loans and deposits have grown by 15.6% and 14.3% a year during that time and loans to deposits ratio reached 92.3% at the end of 2020. The company achieved an average return on equity of 20.5% in the last decade with net profit growing 15.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 34.2% in 2020, compared to 40.8% average in the last decade.
Equity represented 14.0% of total assets or 21.6% of loans at the end of 2020. Sberbank's non-performing loans were 4.02% of total loans while provisions covered some 161% of NPLs at the end of 2020.
Sberbank stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 20.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.74x and price to book value (PBV) of 1.15x in 2020.
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