Sberbank Financial Statements (SBER)

Сбербанкsmart-lab.ru %   2022Q4 2023Q1 2023Q2 2023Q3 2023Q4   LTM ?
Report date 09.03.2023 18.05.2023 03.08.2023 02.11.2023 28.02.2024   28.02.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Presentation URL  
Net operating income, bln rub ? 773.7 829.0 857.0 968.3   3 428
Net interest income, bln rub ? 562.8 597.0 667.9 736.9   2 565
Net commission income, bln rub ? 171.1 187.0 195.5 210.3   763.9
Income on securities, bln rub ? 40.0 66.0 -6.40 0.000   99.6
Operating Income, bln rub 663.3 718.9 755.9 771.0   2 909
Net profit, bln rub ? 357.2 380.3 411.4 359.7   1 509
Dividend payout, bln rub 564.7 752.2   752.2
Dividend, rub/share ? 25 33.3   33.3
Ordinary share dividend yield, % 17.7% 0.0% 0.0% 0.0% 12.3%   10.5%
Preferred share dividend, rub/share 25 33.3   33.3
Preferred share dividend yield, % 17.8% 0.0% 0.0% 0.0% 12.2%   10.5%
Dividend payout ratio, % 0% 0% 0% 209%   50%
OPEX, bln rub 181.9 216.0 234.2 292.3   924.4
Employment expenses, bln rub 126.0 133.0   259.0
Interest expenses, bln rub 373.5 1 462   1 836
Creation of provision for loan impairment, bln rub 84.0 103.0 48.0 0.400   235.4
Cash, bln rub 1 393 1 789 2 387   2 387
Net debt, bln rub -1 393 -1 789 0.00 0.00 -2 387   -2 387
Bank assets, bln rub 41 872 43 827 46 144 43 399 52 307   52 307
Capital, bln rub 5 815 6 115 5 917 6 098 6 584   6 584
Loan portfolio, bln rub 29 373 30 707 32 868 37 855 37 558   37 558
Corporate loans, bln rub 17 554 19 461 20 759 22 676 20 557   20 557
Retail loans, bln rub 12 430 12 980 13 928 15 179 15 359   15 359
Deposits, bln rub 29 876 30 109 32 870 34 841 36 694   36 694
Corporate deposits, bln rub 11 377 11 563 12 747 13 432 13 789   13 789
Retail deposits, bln rub 18 499 18 546 20 123 21 409 22 904   22 904
Core capital adequacy ratio, % ? 15.1% 15.5% 13.8% 13.6% 13.5%   13.5%
Total capital adequacy ratio, % ? 15.6% 16.0% 14.7% 14.1% 14.0%   14.0%
Cost of risk ratio, % ? 1.90% 1.10% 1.20%   1.15%
Loan to deposit ratio, % ? 98% 102% 100% 109% 102%   102%
Ordinary share price, rub 141.3 215.2 239.9 260.8 271.5   317.9
Number of ordinary shares, mln 21 587 21 587 21 587 21 587 21 587   21 587
Preferred share price, rub 140.3 215.0 237.5 260.7 272.5   317.6
Number of preferred shares, mln 1 000 1 000 1 000 1 000 1 000   1 000
Market cap, bln rub 3 189 4 861 5 417 5 890 6 132   7 180
EV, bln rub ? 1 797 3 072 5 417 5 890 3 746   4 793
EPS, rub ? 0.00 16.5 17.6 19.1 16.7   69.9
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
ROE, % ? 24.0% 26.0% 27.6% 22.9%   22.9%
ROA, % ? 3.3% 3.3% 3.4% 2.8%   2.8%
Net intertest margin, % ? 5.80% 5.80% 6.01% 6.26%   5.97%
Bank margin, % ? 46.2% 45.9% 48.0% 37.1%   44.0%
P/E ? 13.6 7.34 5.13 4.06   4.76
P/B ? 0.55 0.79 0.92 0.97 0.93   1.09
Employees, people 210 700  
Expenses per employee, thousand rub 0.00  
IR rating 4.6 4.6 4.6 4.6 4.6   4.6
Financial statement quality 5 5 5 5 5   5
Investor Presentations 5 5 5 5 5   5
Smart-lab presence 2 2 2 2 2   2
Annual report 5 5 5 5 5   5
Investor site URL 5 5 5 5 5   5
Investor calendar 5 5 5 5 5   5
IR feedback 5 5 5 5 5   5
Sberbank shareholders