Financial Ratios Sberbank of Russia

Equities

SBER

RU0009029540

Banks

End-of-day quote Moscow Micex - RTS Other stock markets 2022-07-08			5-day change	1st Jan Change
133.30 ^RUB	+0.16%		-.--%	-

Feb. 05	Russia's Sberbank plans crypto-backed loans to corporate clients	RE
Feb. 04	Russia's Sberbank to recommend paying 50% of profits as dividends, Ifax reports	RE

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Published financial data: SBERBANK OF RUSSIA

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	2,282B	2,577B	3,462B	4,218B	6,857B
Interest Income On Investments	117B	154B	216B	288B	647B
Interest Income, Total	2,399B	2,731B	3,677B	4,505B	7,504B
Interest On Deposits	706B	820B	1,643B	1,772B	4,186B
Total Interest On Borrowings	21.1B	31.3B	70.3B	63.9B	182B
Interest Expense, Total	728B	851B	1,714B	1,836B	4,368B
Net Interest Income	1,672B	1,880B	1,964B	2,670B	3,136B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	40.9B	3.7B	400M	5.4B	2.4B
Income (Loss) on Equity Invest. (Income Block)	-21B	-13.8B	-	-	-
Total Other Non Interest Income	516B	702B	186B	621B	568B
Non Interest Income, Total	536B	692B	186B	627B	570B
Revenues Before Provison For Loan Losses	2,208B	2,572B	2,150B	3,296B	3,706B
Provision For Loan Losses	412B	142B	450B	235B	443B
Total Revenues	1,796B	2,430B	1,700B	3,061B	3,264B
Stock-Based Compensation (IS)	-	-	-	-	-
Federal Deposit Insurance	63.6B	78.1B	88.7B	105B	136B
Selling General & Admin Expenses, Total	728B	827B	822B	924B	1,056B
Total Other Non Interest Expense	32.2B	33.6B	-	-	7.1B
Non Interest Expense, Total	824B	939B	911B	1,030B	1,199B
EBT, Excl. Unusual Items	972B	1,492B	789B	2,032B	2,065B
Total Merger & Related Restructuring Charges	-600M	-4.6B	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-29.6B	-12.7B	-224B	-46.8B	-30.1B
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	942B	1,475B	565B	1,985B	2,035B
Income Tax Expense	190B	294B	151B	476B	454B
Earnings From Continuing Operations	752B	1,181B	414B	1,509B	1,580B
Earnings Of Discontinued Operations	8.5B	65B	-143B	-	-
Net Income to Company	760B	1,246B	270B	1,509B	1,580B
Minority Interest	800M	4.8B	4.6B	3.2B	1.3B
Net Income - (IS)	761B	1,251B	275B	1,512B	1,582B
Preferred Dividend and Other Adjustments	23.6B	27.8B	9.7B	33.9B	42B
Net Income to Common Incl Extra Items	738B	1,223B	265B	1,478B	1,540B
Net Income to Common Excl. Extra Items	729B	1,158B	409B	1,478B	1,540B
Per Share Items
Net EPS - Basic	34.3	56.88	12.4	69.06	71.94
Basic EPS - Continuing Operations	33.91	53.86	19.1	69.06	71.94
Basic Weighted Average Shares Outstanding	21.5B	21.5B	21.4B	21.4B	21.4B
Net EPS - Diluted	34.3	56.88	12.4	69.06	71.94
Diluted EPS - Continuing Operations	33.91	53.86	19.1	69.06	71.94
Diluted Weighted Average Shares Outstanding	21.5B	21.5B	21.4B	21.4B	21.4B
Normalized Basic EPS	28.31	43.59	23.26	59.48	60.36
Normalized Diluted EPS	28.31	43.59	23.26	59.48	60.36
Dividend Per Share	18.7	-	25	33.3	-
Payout Ratio	56.02	34.31	-	-	-
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	20.22	19.92	26.72	23.99	22.33
Total Current Taxes	198B	296B	-	-	308B
Total Deferred Taxes	-7B	-2.3B	-	-	146B
Normalized Net Income	609B	937B	498B	1,273B	1,292B
Non-Cash Pension Expense	1.6B	2.2B	-	-	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	2.1B	3B	-	-	18B
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	2.1B	3B	-	-	18B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2,357B	2,327B	1,392B	2,387B	2,230B
Investment Securities, Total	6,257B	6,053B	7,482B	8,222B	9,867B
Trading Asset Securities, Total	942B	1,002B	-	-	1,403B
Mortgage Backed Securities	126B	98.2B	-	-	210B
Total investments	7,325B	7,153B	7,482B	8,222B	11,481B
Gross Loans	25,195B	28,759B	31,038B	39,381B	46,227B
Allowance For Loan Losses	-1,638B	-1,441B	-1,664B	-1,823B	-2,163B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	23,558B	27,318B	29,373B	37,558B	44,064B
Gross Property Plant And Equipment	1,076B	1,188B	-	-	1,732B
Accumulated Depreciation	-321B	-360B	-	-	-527B
Net Property Plant And Equipment	755B	828B	820B	1,003B	1,204B
Goodwill	48.8B	52.8B	-	-	51.7B
Other Intangibles, Total	147B	238B	-	-	479B
Investment in Real Estate	6.1B	23.7B	-	-	48.1B
Other Receivables	59.8B	75.9B	1,268B	1,153B	152B
Restricted Cash	296B	274B	46.9B	77.1B	152B
Other Current Assets, Total	369B	978B	-	-	537B
Deferred Tax Assets Long-Term (Collected)	23.2B	35.2B	145B	133B	121B
Other Long-Term Assets, Total	1,071B	1,863B	1,345B	1,774B	335B
Total Assets	36,016B	41,166B	41,872B	52,307B	60,855B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	49.9B	61.4B	-	-	116B
Interest Bearing Deposits	25,455B	27,561B	28,966B	34,582B	45,601B
Total Deposits	25,455B	27,561B	28,966B	34,582B	45,601B
Short-Term Borrowings	1,368B	2,335B	1,102B	2,381B	3,075B
Current Portion of Long-Term Debt	348B	379B	-	-	301B
Long-Term Debt	1,909B	2,384B	3,821B	6,024B	1,206B
Long-Term Leases	87B	88.2B	-	-	171B
Current Income Taxes Payable	14.9B	3.6B	-	-	19B
Other Current Liabilities - (Bank / Utility Template)	150B	815B	-	-	309B
Unearned Revenue Non Current	24.7B	29.3B	-	-	19.7B
Pension & Other Post Retirement Benefits	50.9B	64.7B	-	-	113B
Deferred Tax Liability Non-Current	37.7B	29.9B	13.9B	21.5B	36.8B
Other Non Current Liabilities	1,474B	1,770B	2,153B	2,714B	2,715B
Total Liabilities	30,970B	35,521B	36,057B	45,723B	53,682B
Preferred Stock Non Redeemable	3B	3B	-	-	3B
Preferred Stock - Others	-3.1B	-2B	-	-	-1.9B
Total Preferred Equity	-100M	1B	-	-	1.1B
Common Stock, Total	64.8B	64.8B	320B	320B	64.8B
Additional Paid In Capital	233B	233B	-	-	233B
Retained Earnings	4,376B	5,200B	5,454B	6,349B	7,182B
Treasury Stock	-9.9B	-29.9B	-109B	-235B	-30.8B
Comprehensive Income and Other	382B	170B	150B	150B	-274B
Total Common Equity	5,045B	5,638B	5,815B	6,584B	7,175B
Minority Interest	1.7B	5.9B	100M	400M	-2.2B
Total Equity	5,046B	5,644B	5,815B	6,584B	7,174B
Total Liabilities And Equity	36,016B	41,166B	41,872B	52,307B	60,855B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	22.52B	22.46B	21.4B	21.4B	21.4B
ECS Total Common Shares Outstanding	22.52B	22.46B	21.4B	21.4B	21.4B
Book Value / Share	217.38	244.36	264.71	300.65	328.19
Tangible Book Value	4,849B	5,347B	5,815B	6,584B	6,644B
Tangible Book Value Per Share	208.67	231.42	264.71	300.65	303.39
Average Loans	-	-	27,929B	-	-
Total Debt	3,712B	5,186B	4,924B	8,405B	4,752B
Deposits at Interest - Cash	916B	551B	-	-	-
Net Debt	-819B	242B	3,531B	6,018B	-2,953B
Equity Method Investments, Total	140B	166B	-	-	57.9B
Full Time Employees	286K	288K	209K	-	308K
Part Time Employees	-	-	1.22K	-	-
Number Of Offices	14.17K	13.65K	12.62K	-	11.6K
Assets on Operating Lease - Gross	102B	106B	-	-	-
Assets on Operating Lease - Accumulated Depreciation	-16.3B	-22B	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	761B	1,251B	-	-	-
Depreciation, Depletion & Amortization	91.2B	103B	-	-	-
Amortization of Goodwill and Intangible Assets - (CF)	30.4B	41.7B	-	-	-
Total Depreciation, Depletion & Amortization	122B	144B	-	-	-
Change in Trading Asset Securities	400M	-	-	-	-
Change in Other Net Operating Assets (Collected)	-3,648B	-4,144B	-	-	-
Other Operating Activities	514B	450B	-	-	-
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	-2,251B	-2,299B	-	-	-
Capital Expenditure	-164B	-300B	-	-	-
Sale of Property, Plant, and Equipment	44.6B	19.2B	-	-	-
Cash Acquisitions	-10.1B	-23.6B	-	-	-
Divestitures	100M	2.2B	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	1.1B	500M	-	-	-
Investment in Marketable and Equity Securities, Total	24B	-40.1B	-	-	-
Other Investing Activities, Total	-	120B	-	-	-
Cash from Investing	-104B	-221B	-	-	-
Long-Term Debt Issued, Total	9.9B	76.1B	-	-	-
Total Debt Issued	9.9B	76.1B	-	-	-
Long-Term Debt Repaid, Total	-38B	-30.8B	-	-	-
Total Debt Repaid	-38B	-30.8B	-	-	-
Issuance of Common Stock	209B	278B	-	-	-
Repurchase of Common Stock	-203B	-292B	-	-	-
Common Dividends Paid	-408B	-411B	-	-	-
Preferred Dividends Paid	-18.2B	-18.1B	-	-	-
Common & Preferred Stock Dividends Paid	-426B	-429B	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	2,915B	3,096B	-	-	-
Other Financing Activities, Total	-2.3B	-3.6B	-	-	-
Cash from Financing	2,464B	2,695B	-	-	-
Foreign Exchange Rate Adjustments	185B	-35.3B	-	-	-
Miscellaneous Cash Flow Adjustments	-	-200M	-	-	-
Net Change in Cash	294B	140B	-	-	-
Supplemental Items
Cash Interest Paid	751B	803B	-	-	-
Cash Income Tax Paid (Refund)	176B	342B	-	-	-
Net Debt Issued / Repaid	-28.1B	45.3B	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.28	3.06	1	3.2	2.79
Return On Equity %	15.77	22.09	7.22	24.41	22.97
Return on Common Equity	15.31	21.68	7.14	23.91	22.38
Shareholders Value Added	221B	654B	-	-	-
Margin Analysis
SG&A Margin	37.79	32.07	48.36	30.2	30.77
Net Interest Income / Total Revenues %	93.08	77.35	115.51	87.22	96.09
EBT Excl. Non-Recurring Items Margin %	54.14	61.38	46.43	66.37	63.26
Income From Continuing Operations Margin %	41.86	48.59	24.34	49.28	48.42
Net Income Margin %	42.38	51.46	16.18	49.39	48.46
Net Avail. For Common Margin %	40.59	47.64	24.04	48.28	47.17
Normalized Net Income Margin	33.89	38.56	29.29	41.58	39.58
Asset quality
Nonperforming Loans / Total Loans %	4.26	2.85	2.64	2.17	2.51
Nonperforming Loans / Total Assets %	2.98	1.99	1.96	1.63	1.9
Nonperforming Assets / Total Assets %	2.98	1.99	1.96	1.63	1.9
NPAs / Loans and OREO	4.26	2.85	2.64	2.17	2.51
NPAs / Equity	21.26	14.51	14.11	12.97	16.15
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	152.62	175.92	202.82	213.52	186.66
Allowance for Credit Losses / Total Loans %	6.5	5.01	5.36	4.63	4.68
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	14.43	13.84	13.79	13.13	12.16
Total Average Equity / Total Average Assets %	14.45	13.85	13.8	13.13	12.16
Total Equity + Allowance for Loan Losses / Total Loans %	26.52	24.62	24.1	21.35	20.2
Gross Loans / Total Deposits %	98.98	104.34	107.15	113.88	101.37
Net Loans / Total Deposits %	92.55	99.12	101.41	108.61	96.63
Tier 1 Capital Ratio %	14.3	14.3	15.2	13.5	12.4
Total Capital Ratio %	14.7	14.8	15.7	14	12.8
Core Tier 1 Capital Ratio	13.8	13.9	14.8	13.2	12.1
Tier 2 Capital Ratio	0.41	0.5	-	-	0.42
Coverage Ratio	96.74	100.72	146.26	145.71	137.12
Interbank Ratio	134.78	86.53	48.76	23.26	65.85
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	45.66	48.11	9.03	32.06	12.15
EBT + Interest Expense / Interest Expense	2.3	2.73	1.33	2.08	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	11.38	13.77	6.9	35.97	17.47
Non Interest Income, 1 Yr. Growth %	-2.03	26.15	-73.78	472.85	-5.73
Provision For Loan Losses, 1 Yr. Growth %	344.92	-63.51	224.51	-47.75	88.11
Total Revenues, 1 Yr. Growth %	-8.17	34.08	-29.44	88.67	7.38
Earnings From Cont. Operations, 1 Yr. Growth %	-17.82	50.86	-64.51	249.94	4.75
Net Income, 1 Yr. Growth %	-9.92	64.33	-78	417.03	4.62
Normalized Net Income, 1 Yr. Growth %	-14.99	48.21	-47.08	149.97	2.56
Diluted EPS Before Extra, 1 Yr. Growth %	-18.92	52.36	-64.07	246.92	4.17
Dividend Per Share, 1 Yr. Growth %	0	-	-	33.2	-
Gross Loans, 1 Yr. Growth %	14.94	14.14	8.84	26.88	16.5
Allowance For Loan Losses, 1 Yr. Growth %	17.26	-12.01	17.03	9.55	8.74
Net Loans, 1 Yr. Growth %	14.78	15.96	8.41	27.86	16.91
Non Performing Loans, 1 Yr. Growth %	14.38	-23.66	0.17	4.06	35.72
Non Performing Assets, 1 Yr. Growth %	14.38	-23.66	0.17	4.06	35.72
Total Assets, 1 Yr. Growth %	20.21	14.3	1.72	24.95	16.34
Total Deposits, 1 Yr Growth %	17.76	7.98	6.21	19.39	26.28
Tangible Book Value, 1 Yr. Growth %	11.83	10.28	3.12	13.97	7.23
Common Equity, 1 Yr. Growth %	12.69	11.75	3.12	13.97	8.99
Total Equity, 1 Yr. Growth %	12.48	11.85	3.02	13.98	8.95
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	6.64	11.92	9	20.56	26.38
Non Interest Income, 2 Yr. CAGR %	13.03	12.45	-41.7	-6.14	128.36
Provision For Loan Losses, 2 Yr. CAGR %	106.31	23.75	7.62	30.28	-0.86
Total Revenues, 2 Yr. CAGR %	0.08	11.48	-3.16	12.72	41.83
Earnings From Cont. Operations, 2 Yr. CAGR %	-4.9	13.62	-27.29	13.75	91.46
Net Income, 2 Yr. CAGR %	-4.41	21.67	-39.88	9.94	132.57
Normalized Net Income, 2 Yr. CAGR %	-4.21	14.41	-11.27	16.32	59.27
Diluted EPS Before Extra, 2 Yr. CAGR %	-5.75	13.48	-26.5	13.98	90.11
Dividend Per Share, 2 Yr. CAGR %	8.11	-	15.62	-	-
Gross Loans, 2 Yr. CAGR %	8.9	14.54	10.99	17.51	22.04
Allowance For Loan Losses, 2 Yr. CAGR %	4.22	1.58	0.81	13.23	14.01
Net Loans, 2 Yr. CAGR %	9.25	15.37	11.66	17.73	22.48
Non Performing Loans, 2 Yr. CAGR %	16.43	-6.56	-12.55	2.1	18.84
Non Performing Assets, 2 Yr. CAGR %	16.43	-6.56	-12.55	2.1	18.84
Total Assets, 2 Yr. CAGR %	7.45	17.22	7.82	12.72	20.57
Total Deposits, 2 Yr CAGR %	10.34	12.92	6.53	12.61	25.47
Tangible Book Value, 2 Yr. CAGR %	13.33	11.05	9.51	8.06	7.24
Common Equity, 2 Yr. CAGR %	14.46	12.22	7.36	8.06	11.44
Total Equity, 2 Yr. CAGR %	14.4	12.16	7.34	8.01	11.44
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.99	8.55	9.37	17.34	19.52
Non Interest Income, 3 Yr. CAGR %	4.93	18.14	-30.16	4.53	-7.09
Provision For Loan Losses, 3 Yr. CAGR %	16.02	13.57	69.39	-15.39	47.25
Total Revenues, 3 Yr. CAGR %	3.84	10.67	-4.57	19.08	10.65
Earnings From Cont. Operations, 3 Yr. CAGR %	1.66	12.42	-23.24	24.44	10.67
Net Income, 3 Yr. CAGR %	0.47	14.51	-31.2	25.7	8.14
Normalized Net Income, 3 Yr. CAGR %	1.62	12.21	-11.41	26.26	11.15
Diluted EPS Before Extra, 3 Yr. CAGR %	0.81	12.16	-22.99	25.01	10.61
Dividend Per Share, 3 Yr. CAGR %	15.94	-	10.16	21.21	-
Gross Loans, 3 Yr. CAGR %	8.01	10.62	12.29	16.05	17.47
Allowance For Loan Losses, 3 Yr. CAGR %	5.14	-1.49	6.02	3.64	15.01
Net Loans, 3 Yr. CAGR %	8.23	11.44	12.69	16.82	17.6
Non Performing Loans, 3 Yr. CAGR %	8.66	1.14	-4.37	-7.33	12.26
Non Performing Assets, 3 Yr. CAGR %	8.66	1.14	-4.37	-7.33	12.26
Total Assets, 3 Yr. CAGR %	9.93	9.68	11.8	13.25	13.92
Total Deposits, 3 Yr CAGR %	8.61	9.64	10.25	10.65	18.69
Tangible Book Value, 3 Yr. CAGR %	13.16	12.3	10.28	10.74	5.62
Common Equity, 3 Yr. CAGR %	13.7	13.55	9.11	9.28	8.36
Total Equity, 3 Yr. CAGR %	13.67	13.55	9.03	9.27	8.32
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.25	5.89	6.94	12.67	15.88
Non Interest Income, 5 Yr. CAGR %	3.73	13.78	-16.67	8.34	0.83
Provision For Loan Losses, 5 Yr. CAGR %	-2.81	-16.16	11.28	19.45	36.75
Total Revenues, 5 Yr. CAGR %	12.48	11.15	1.16	11.29	10.78
Earnings From Cont. Operations, 5 Yr. CAGR %	27.53	16.86	-10.38	12.66	11.55
Net Income, 5 Yr. CAGR %	27.79	18.27	-18.18	12.66	13.36
Normalized Net Income, 5 Yr. CAGR %	23.85	16.4	-3.01	13.92	12.53
Diluted EPS Before Extra, 5 Yr. CAGR %	26.75	16.54	-10.41	12.59	11.46
Dividend Per Share, 5 Yr. CAGR %	56.85	-	15.81	15.79	-
Gross Loans, 5 Yr. CAGR %	4.4	8.8	9.19	13.14	16.09
Allowance For Loan Losses, 5 Yr. CAGR %	6.48	2.03	3.38	3.87	9.14
Net Loans, 5 Yr. CAGR %	4.36	9.34	9.59	13.73	16.51
Non Performing Loans, 5 Yr. CAGR %	1.56	-0.23	-0.38	1.52	4.32
Non Performing Assets, 5 Yr. CAGR %	1.56	-0.23	-0.38	1.52	4.32
Total Assets, 5 Yr. CAGR %	5.67	10.17	9.08	10.89	15.23
Total Deposits, 5 Yr CAGR %	5.11	7.96	7.83	10.59	16.1
Tangible Book Value, 5 Yr. CAGR %	16.44	14.46	11.69	11.77	8.91
Common Equity, 5 Yr. CAGR %	16.3	14.89	11.12	11.32	9.89
Total Equity, 5 Yr. CAGR %	16.27	14.88	11.1	11.3	9.84