By Helgi Library - August 20, 2019
Sovcombank's non-performing loans reached 1.92% of total loans at the end of 2019-03-31, down from 2.53% compared to the previous...
By Helgi Library - August 20, 2019
Sovcombank's non-performing loans reached 1.92% of total loans at the end of 2019-03-31, down from 2.53% compared to the previous...
By Helgi Library - August 20, 2019
Sovcombank made a net profit of RUB 5.68 bil under revenues of RUB 20.0 bil in the first quarter of 2019, up 13% and 48.3% ...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | RUB bil | 28.6 | 34.2 | 49.7 |
| Net Fee Income | RUB bil | 12.8 | 18.1 | 20.0 |
| Other Income | RUB bil | 5.75 | 5.59 | 6.15 |
| Total Revenues | RUB bil | 47.2 | 57.9 | 75.8 |
| Staff Cost | RUB bil | 7.96 | 13.4 | 19.6 |
| Operating Profit | RUB bil | 32.6 | 33.6 | 41.1 |
| Provisions | RUB bil | 4.69 | 4.44 | 8.80 |
| Net Profit | RUB bil | 33.6 | 29.6 | 17.4 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | RUB bil | 0.384 | 9.34 | 48.5 |
| Customer Loans | RUB bil | 238 | 266 | 541 |
| Total Assets | RUB bil | 565 | 689 | 967 |
| Shareholders' Equity | RUB bil | 63.9 | 85.4 | 114 |
| Interbank Borrowing | RUB bil | 188 | 194 | 191 |
| Customer Deposits | RUB bil | 276 | 359 | 599 |
| Issued Debt Securities | RUB bil | 25.9 | 37.9 | 39.4 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 73.6 | 39.6 | 17.5 |
| ROA | % | 6.50 | 4.71 | 2.10 |
| Costs (As % Of Assets) | % | 2.83 | 3.87 | 4.19 |
| Costs (As % Of Income) | % | 31.0 | 42.0 | 45.8 |
| Capital Adequacy Ratio | % | 16.0 | 16.5 | 13.8 |
| Net Interest Margin | % | 5.54 | 5.46 | 6.00 |
| Loans (As % Of Deposits) | % | 86.2 | 74.2 | 90.4 |
| NPLs (As % Of Loans) | % | 2.42 | 2.25 | 1.79 |
| Provisions (As % Of NPLs) | % | 130 | 146 | 169 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 64.9 | 22.7 | 31.0 |
| Operating Cost Growth | % | 37.4 | 66.2 | 43.0 |
| Operating Profit Growth | % | 81.2 | 3.18 | 22.3 |
| Net Profit Growth | % | 75.2 | -11.9 | -41.0 |
| Customer Loan Growth | % | 36.1 | 11.7 | 103 |
| Total Asset Growth | % | 20.8 | 22.0 | 40.3 |
| Customer Deposit Growth | % | 90.1 | 29.8 | 66.9 |
| Shareholders' Equity Growth | % | 134 | 33.6 | 33.5 |
| Employees | ... | 11,480 | 15,700 | |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||
| Net Interest Income | RUB bil | ... | 7.37 | 10.7 | 17.6 | 18.3 | 28.6 | ||||||
| Total Revenues | RUB bil | ... | 13.9 | 18.7 | 29.8 | 28.6 | 47.2 | ||||||
| Operating Profit | RUB bil | ... | 7.91 | 11.2 | 17.7 | 18.0 | 32.6 | ||||||
| Net Profit | RUB bil | ... | 3.52 | 3.54 | 1.05 | 19.2 | 33.6 | ||||||
| balance sheet | |||||||||||||
| Interbank Loans | RUB bil | 16.5 | 2.59 | 14.9 | 23.7 | 0.384 | |||||||
| Customer Loans | RUB bil | 48.4 | 60.5 | 117 | 175 | 238 | |||||||
| Debt Securities | RUB bil | 30.8 | 44.3 | 38.1 | 209 | 292 | |||||||
| Total Assets | RUB bil | 94.5 | 125 | 202 | 468 | 565 | |||||||
| Shareholders' Equity | RUB bil | 9.20 | 12.8 | 11.6 | 27.3 | 63.9 | |||||||
| Interbank Borrowing | RUB bil | 18.1 | 24.3 | 63.1 | 264 | 188 | |||||||
| Customer Deposits | RUB bil | 62.6 | 80.8 | 118 | 145 | 276 | |||||||
| Issued Debt Securities | RUB bil | 3.58 | 5.69 | 8.11 | 24.2 | 25.9 | |||||||
| ratios | |||||||||||||
| ROE | % | ... | 42.9 | 32.2 | 8.56 | 98.4 | 73.6 | ||||||
| ROA | % | ... | 4.63 | 3.23 | 0.641 | 5.72 | 6.50 | ||||||
| Costs (As % Of Assets) | % | ... | 7.88 | 6.87 | 7.42 | 3.18 | 2.83 | ||||||
| Costs (As % Of Income) | % | ... | 43.1 | 40.3 | 40.6 | 37.2 | 31.0 | ||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 16.4 | 11.6 | 11.4 | 16.0 | ||
| Net Interest Margin | % | ... | 9.71 | 9.77 | 10.8 | 5.47 | 5.54 | ||||||
| Interest Income (As % Of Revenues) | % | ... | 53.0 | 57.2 | 59.1 | 64.0 | 60.7 | ||||||
| Fee Income (As % Of Revenues) | % | ... | 45.1 | 41.4 | 31.4 | 34.0 | 27.1 | ||||||
| Staff Cost (As % Of Total Cost) | % | ... | 45.2 | 46.8 | 48.6 | 52.3 | 54.4 | ||||||
| Equity (As % Of Assets) | % | 9.74 | 10.3 | 5.75 | 5.84 | 11.3 | |||||||
| Loans (As % Of Deposits) | % | 77.3 | 74.9 | 99.4 | 120 | 86.2 | |||||||
| Loans (As % Assets) | % | 51.2 | 48.6 | 57.9 | 37.4 | 42.2 | |||||||
| NPLs (As % Of Loans) | % | ... | 7.05 | 7.89 | 7.83 | 4.80 | 2.42 | ||||||
| Provisions (As % Of NPLs) | % | ... | 110 | 121 | 111 | 112 | 130 | ||||||
| valuation | |||||||||||||
| Book Value Per Share Growth | % | ... | ... | 29.2 | 45.1 | 64.4 | 4.07 | 56.5 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||
| Interest Income | RUB bil | ... | 12.7 | 18.5 | 30.0 | 45.0 | 63.5 | ||||||
| Interest Cost | RUB bil | ... | 5.35 | 7.83 | 12.4 | 26.7 | 34.8 | ||||||
| Net Interest Income | RUB bil | ... | 7.37 | 10.7 | 17.6 | 18.3 | 28.6 | ||||||
| Net Fee Income | RUB bil | ... | 6.26 | 7.74 | 9.35 | 9.73 | 12.8 | ||||||
| Other Income | RUB bil | ... | 0.263 | 0.257 | 2.83 | 0.570 | 5.75 | ||||||
| Total Revenues | RUB bil | ... | 13.9 | 18.7 | 29.8 | 28.6 | 47.2 | ||||||
| Staff Cost | RUB bil | ... | 2.71 | 3.52 | 5.88 | 5.57 | 7.96 | ||||||
| Depreciation | RUB bil | ... | 0.247 | 0.332 | 0.414 | 0.456 | 0.516 | ||||||
| Other Cost | RUB bil | ... | 3.03 | 3.67 | 5.81 | 4.62 | 6.15 | ||||||
| Operating Cost | RUB bil | ... | 5.99 | 7.53 | 12.1 | 10.6 | 14.6 | ||||||
| Operating Profit | RUB bil | ... | 7.91 | 11.2 | 17.7 | 18.0 | 32.6 | ||||||
| Provisions | RUB bil | ... | 3.73 | 6.36 | 11.1 | 9.02 | 4.69 | ||||||
| Extra and Other Cost | RUB bil | ... | -0.281 | 0.383 | 5.94 | -15.0 | -13.8 | ||||||
| Pre-Tax Profit | RUB bil | ... | 4.46 | 4.43 | 0.589 | 23.9 | 41.7 | ||||||
| Tax | RUB bil | ... | 0.945 | 0.886 | -0.456 | 4.62 | 8.04 | ||||||
| Minorities | RUB bil | ... | 0 | 0 | 0 | 0.163 | 0.049 | ||||||
| Net Profit | RUB bil | ... | 3.52 | 3.54 | 1.05 | 19.2 | 33.6 | ||||||
| growth rates | |||||||||||||
| Net Interest Income Growth | % | ... | ... | 29.2 | 45.1 | 64.4 | 4.07 | 56.5 | |||||
| Net Fee Income Growth | % | ... | ... | 49.1 | 23.6 | 20.8 | 4.04 | 31.3 | |||||
| Total Revenue Growth | % | ... | ... | 40.3 | 34.5 | 59.2 | -3.92 | 64.9 | |||||
| Operating Cost Growth | % | ... | ... | 44.0 | 25.7 | 60.8 | -12.1 | 37.4 | |||||
| Operating Profit Growth | % | ... | ... | 37.7 | 41.2 | 58.2 | 1.67 | 81.2 | |||||
| Pre-Tax Profit Growth | % | ... | ... | 5.80 | -0.771 | -86.7 | 3,964 | 74.0 | |||||
| Net Profit Growth | % | ... | ... | 5.84 | 0.708 | -70.5 | 1,733 | 75.2 | |||||
| market share | |||||||||||||
| Market Share in Revenues | % | ... | 0.350 | 0.413 | 0.495 | 0.427 | 0.359 | ... | |||||
| Market Share in Net Profit | % | ... | ... | ... | 0.445 | 0.488 | 0.215 | 22.5 | 5.12 | ... | |||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||
| Cash | RUB bil | 10.2 | 11.5 | 26.5 | 53.4 | 24.5 | |||||||
| Interbank Loans | RUB bil | 16.5 | 2.59 | 14.9 | 23.7 | 0.384 | |||||||
| Customer Loans | RUB bil | 48.4 | 60.5 | 117 | 175 | 238 | |||||||
| Retail Loans | RUB bil | 45.6 | 61.7 | 86.4 | 68.0 | 86.3 | |||||||
| Mortgage Loans | RUB bil | 0.223 | 0.165 | 0.406 | 2.25 | 3.53 | |||||||
| Consumer Loans | RUB bil | 45.4 | 61.5 | 86.0 | 65.8 | 82.8 | |||||||
| Corporate Loans | RUB bil | 6.86 | 5.17 | 41.5 | 117 | 160 | |||||||
| Debt Securities | RUB bil | 30.8 | 44.3 | 38.1 | 209 | 292 | |||||||
| Fixed Assets | RUB bil | 2.14 | 2.63 | 1.39 | 2.63 | 4.96 | |||||||
| Total Assets | RUB bil | 94.5 | 125 | 202 | 468 | 565 | |||||||
| Shareholders' Equity | RUB bil | 9.20 | 12.8 | 11.6 | 27.3 | 63.9 | |||||||
| Of Which Minority Interest | RUB bil | 0 | 0 | 0 | 0.217 | 0.122 | |||||||
| Liabilities | RUB bil | 85.3 | 112 | 190 | 441 | 501 | |||||||
| Interbank Borrowing | RUB bil | 18.1 | 24.3 | 63.1 | 264 | 188 | |||||||
| Customer Deposits | RUB bil | 62.6 | 80.8 | 118 | 145 | 276 | |||||||
| Retail Deposits | RUB bil | ... | ... | ... | 56.2 | 74.1 | 101 | 130 | 237 | ||||
| Corporate Deposits | RUB bil | ... | ... | ... | 6.47 | 6.68 | 16.3 | 15.6 | 39.8 | ||||
| Sight Deposits | RUB bil | ... | ... | ... | 5.41 | 5.78 | 15.2 | 9.74 | 29.7 | ||||
| Term Deposits | RUB bil | ... | ... | ... | 57.2 | 75.0 | 102 | 136 | 247 | ||||
| Issued Debt Securities | RUB bil | 3.58 | 5.69 | 8.11 | 24.2 | 25.9 | |||||||
| Other Liabilities | RUB bil | 1.01 | 0.952 | 1.39 | 6.53 | 11.2 | |||||||
| asset quality | |||||||||||||
| Non-Performing Loans | RUB bil | ... | 3.70 | 5.27 | 10.0 | 8.90 | 5.95 | ||||||
| Gross Loans | RUB bil | 52.5 | 66.9 | 128 | 185 | 246 | |||||||
| Total Provisions | RUB bil | 4.09 | 6.39 | 11.1 | 9.93 | 7.73 | |||||||
| growth rates | |||||||||||||
| Customer Loan Growth | % | ... | 39.2 | 24.9 | 93.1 | 50.1 | 36.1 | ||||||
| Retail Loan Growth | % | ... | 88.8 | 35.1 | 40.1 | -21.3 | 26.9 | ||||||
| Mortgage Loan Growth | % | ... | 849 | -26.2 | 147 | 454 | 56.8 | ||||||
| Consumer Loan Growth | % | ... | 88.0 | 35.4 | 39.8 | -23.5 | 25.9 | ||||||
| Corporate Loan Growth | % | ... | -42.9 | -24.6 | 701 | 183 | 36.4 | ||||||
| Total Asset Growth | % | ... | 64.9 | 31.7 | 62.0 | 132 | 20.8 | ||||||
| Shareholders' Equity Growth | % | ... | 28.3 | 39.3 | -9.48 | 135 | 134 | ||||||
| Customer Deposit Growth | % | ... | 46.9 | 29.0 | 45.5 | 23.7 | 90.1 | ||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | 56.8 | 31.9 | 36.6 | 28.3 | 82.3 | |||
| Corporate Deposit Growth | % | ... | ... | ... | ... | -4.96 | 3.28 | 145 | -4.51 | 156 | |||
| market share | |||||||||||||
| Market Share in Customer Loans | % | 0.162 | 0.170 | 0.257 | 0.356 | 0.510 | ... | ||||||
| Market Share in Corporate Loans | % | ... | ... | ... | 0.037 | 0.024 | 0.151 | 0.385 | 0.583 | ... | |||
| Market Share in Retail Loans | % | ... | 0.793 | 0.842 | 1.10 | 0.981 | 1.31 | ... | |||||
| Market Share in Consumer Loans | % | 0.591 | 0.619 | 0.763 | 0.637 | 0.799 | ... | ||||||
| Market Share in Mortgage Loans | % | ... | 0.011 | 0.006 | 0.012 | 0.057 | 0.079 | ... | |||||
| Market Share in Total Assets | % | 0.203 | 0.230 | 0.276 | 0.608 | 0.765 | ... | ||||||
| Market Share in Customer Deposits | % | 0.305 | 0.339 | 0.374 | 0.388 | 0.786 | ... | ||||||
| Market Share in Retail Deposits | % | ... | ... | ... | 0.394 | 0.437 | 0.545 | 0.559 | 0.978 | ... | |||
| Market Share in Corporate Deposits | % | ... | ... | ... | 0.067 | 0.062 | 0.096 | 0.082 | 0.243 | ... |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||
| ROE | % | ... | 42.9 | 32.2 | 8.56 | 98.4 | 73.6 | ||||||
| ROA | % | ... | 4.63 | 3.23 | 0.641 | 5.72 | 6.50 | ||||||
| Costs (As % Of Assets) | % | ... | 7.88 | 6.87 | 7.42 | 3.18 | 2.83 | ||||||
| Costs (As % Of Income) | % | ... | 43.1 | 40.3 | 40.6 | 37.2 | 31.0 | ||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 16.4 | 11.6 | 11.4 | 16.0 | ||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 14.5 | 7.88 | 7.56 | 12.7 | ||
| Net Interest Margin | % | ... | 9.71 | 9.77 | 10.8 | 5.47 | 5.54 | ||||||
| Interest Spread | % | ... | 8.86 | 8.97 | 10.2 | 4.97 | 4.89 | ||||||
| Asset Yield | % | ... | 16.8 | 16.9 | 18.4 | 13.4 | 12.3 | ||||||
| Cost Of Liabilities | % | ... | 7.90 | 7.95 | 8.20 | 8.47 | 7.39 | ||||||
| Interest Income (As % Of Revenues) | % | ... | 53.0 | 57.2 | 59.1 | 64.0 | 60.7 | ||||||
| Fee Income (As % Of Revenues) | % | ... | 45.1 | 41.4 | 31.4 | 34.0 | 27.1 | ||||||
| Other Income (As % Of Revenues) | % | ... | 1.89 | 1.37 | 9.51 | 1.99 | 12.2 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Staff Cost (As % Of Total Cost) | % | ... | 45.2 | 46.8 | 48.6 | 52.3 | 54.4 | ||||||
| Equity (As % Of Assets) | % | 9.74 | 10.3 | 5.75 | 5.84 | 11.3 | |||||||
| Loans (As % Of Deposits) | % | 77.3 | 74.9 | 99.4 | 120 | 86.2 | |||||||
| Loans (As % Assets) | % | 51.2 | 48.6 | 57.9 | 37.4 | 42.2 | |||||||
| NPLs (As % Of Loans) | % | ... | 7.05 | 7.89 | 7.83 | 4.80 | 2.42 | ||||||
| Provisions (As % Of NPLs) | % | ... | 110 | 121 | 111 | 112 | 130 | ||||||
| Provisions (As % Of Loans) | % | 8.44 | 10.6 | 9.49 | 5.67 | 3.24 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | 8.97 | 11.7 | 12.6 | 6.18 | 2.27 |
| other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | 8.63 | 7.15 | 12.9 | 6.70 | 10.7 | ||||
| Risk-Weighted Assets | RUB bil | ... | ... | ... | ... | ... | ... | 86.5 | 144 | 353 | 438 |
Get all company financials in excel:
By Helgi Library - August 20, 2019
Sovcombank made a net profit of RUB 5.68 bil under revenues of RUB 20.0 bil in the first quarter of 2019, up 13% and 48.3% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of RUB 8.18 bil in...
By Helgi Library - August 20, 2019
Sovcombank's net interest margin amounted to 5.79% in the first quarter of 2019, down from 6.16% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 6.84% in 2Q2018 and an all time low of 5.37%...
By Helgi Library - August 20, 2019
Sovcombank's net interest margin amounted to 5.79% in the first quarter of 2019, down from 6.16% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 6.84% in 2Q2018 and an all time low of 5.37%...
By Helgi Library - August 20, 2019
Sovcombank's capital adequacy ratio reached 15.2% at the end of first quarter of 2019, up from 13.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.5% in 1Q2018 and an all time low of 13.8% in 4Q2018. ...
By Helgi Library - August 20, 2019
Sovcombank generated total banking revenues of RUB 20.0 bil in the first quarter of 2019, up 48.3% when compared to the same period of last year and down 2.7% when compared to the previous quarter. Historically, the bank’s revenues containing of i...
By Helgi Library - August 20, 2019
Sovcombank's capital adequacy ratio reached 15.2% at the end of first quarter of 2019, up from 13.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.5% in 1Q2018 and an all time low of 13.8% in 4Q2018. ...
By Helgi Library - August 20, 2019
Sovcombank generated total banking revenues of RUB 20.0 bil in the first quarter of 2019, up 48.3% when compared to the same period of last year and down 2.7% when compared to the previous quarter. Historically, the bank’s revenues containing of i...
By Helgi Library - August 23, 2019
Sovcombank's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.436% in the first quarter of 2019, down from 0.913% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 1.40% in 2Q2018 a...
By Helgi Library - August 23, 2019
Sovcombank's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.436% in the first quarter of 2019, down from 0.913% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 1.40% in 2Q2018 a...
By Helgi Library - October 7, 2019
Sovcombank's Equity reached 5.14% of total assets in the 1Q2019, up from 4.97% for the previous year. As a share of net customer loans, the ratio amounted to 7.96% at the end of the first quarter of 2019. ...
Sovcombank has been growing its revenues and asset by 34.9% and 44.0% a year on average in the last 10 years. Its loans and deposits have grown by 43.2% and 43.0% a year during that time and loans to deposits ratio reached 90.4% at the end of 2018. The company achieved an average return on equity of 41.1% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 45.8% in 2018, compared to 41.4% average in the last decade.
Equity represented 11.8% of total assets or 21.1% of loans at the end of 2018. Sovcombank's non-performing loans were 1.79% of total loans while provisions covered some 169% of NPLs at the end of 2018.
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