Sovcombank Financial Statements (SVCB)

Совкомбанкsmart-lab.ru %   2019 2020 2021 2022 2023   LTM ?
Report date 01.12.2023 01.12.2023 15.03.2024   15.03.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Net operating income, bln rub ? 123.2 67.7 203.8   203.8
Net interest income, bln rub ? 84.5 49.1 106.4   106.4
Net commission income, bln rub ? 35.5 24.8 26.8   26.8
Income on securities, bln rub ? -36.5 49.8   49.8
Operating Income, bln rub   76.4
Net profit, bln rub ? 50.4 -14.6 94.1   94.1
Net profit not adj., bln rub ? 49.3 -29.3  
Dividend payout, bln rub 0.000 5.00  
Dividend, rub/share ? 0 0.25  
Ordinary share dividend yield, % 0.0% 0.0% 1.8%   0.0%
Dividend payout ratio, % 0% 0% 5%   0
OPEX, bln rub 64.8 75.8 94.1   94.1
Amortization, bln rub 5.4 6.1  
Employment expenses, bln rub 37.2 43.1 53.1   53.1
Interest expenses, bln rub   104.0
Creation of provision for loan impairment, bln rub   13.3
Write off loans, bln rub 53.9 32.5  
Cash, bln rub 152.6 626.0   626.0
Net debt, bln rub 0.00 0.00 0.00 -152.6 -626.0   -626.0
Bank assets, bln rub 2 185 3 189   3 189
Capital, bln rub 242.0 200.8 297.1   297.1
Loan portfolio, bln rub 1 177 1 387 1 895   1 895
Corporate loans, bln rub 840.7 1 136   1 136
Retail loans, bln rub 626.7 837.9   837.9
Deposits, bln rub 1 419 1 688 2 500   2 500
Corporate deposits, bln rub 966.2 1 670   1 670
Retail deposits, bln rub 721.4 833.0   833.0
Provision for loan impairment, bln rub 11.1 15.3   15.3
Core capital adequacy ratio, % ? 12.0%   12.0%
Cost of risk ratio, % ? 1.95%  
Loan to deposit ratio, % ? 83% 82% 76%   76%
Ordinary share price, rub 11.5 11.5 13.7   19.3
Number of ordinary shares, mln 19 694 19 694 20 694   20 694
Free Float, % 5.00%  
Market cap, bln rub 0.00 0.00 226.5 226.5 283.5   398.8
EV, bln rub ? 0.00 0.00 226.5 73.9 -342.5   -227.2
EPS, rub ? 2.56 -0.74 4.55   4.55
FCF yield, % ? 0.0% 0.0% 0.0%   0.0%
ROE, % ? 45.0%  
Net intertest margin, % ? 6.40% 6.40% 7.50%  
Bank margin, % ? 40.9% -21.6% 46.2%   46.2%
P/E ? 4.49 -15.5 3.01   4.24
P/B ? 0.94 1.13 0.95   1.34
Employees, people 25 666 28 944   28 944
Labour productivity, mln rub/person/year 2.64 7.04   7.04
Expenses per employee, thousand rub 1 678 1 835   1 835
Sovcombank shareholders