Resultaträkning Sberbank of Russia

Aktier

SBER

RU0009029540

Banker

Slutkurs Moscow Micex - RTS Andra börsplatser 2022-07-08			5-dagars förändring	Förändring 1 jan.
133,30 ^RUB	+0,16 %		-.--%	-

07-01	Ryska Sberbank sänker prognos för företagsutlåning när kreditförlusterna ökar	RE
07-01	Ryska Sberbank reviderar prognoser för riskkostnader och företagsutlåning	RE

01ff6a5c5b42119992367ce.NnvY1LSbjCFmdi54Mutq0qEveOSvKikEnHl8D4--FbQ.ch6JrNq240sETkc6a60Sq-hNQKHNS2xurxEWTPXLR4FmLr69wvz-bVY_RQ

Publicerade finansiella data: SBERBANK OF RUSSIA

Årlig

Kvartalsvis

Halvårsvis

YTD

LTM

Skatteperiod: December	2021	2022	2023	2024	2025
Interest Income On Loans	2 577 md	3 462 md	4 218 md	6 857 md	8 652 md
Interest Income On Investments	154 md	216 md	288 md	647 md	994 md
Interest Income, Total	2 731 md	3 677 md	4 505 md	7 504 md	9 646 md
Interest On Deposits	820 md	1 643 md	1 772 md	4 186 md	5 662 md
Total Interest On Borrowings	31,3 md	70,3 md	63,9 md	182 md	271 md
Interest Expense, Total	851 md	1 714 md	1 836 md	4 368 md	5 934 md
Net Interest Income	1 880 md	1 964 md	2 670 md	3 136 md	3 712 md
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3,7 md	400 mn	5,4 md	2,4 md	4,8 md
Income (Loss) on Equity Invest. (Income Block)	−13,8 md	-	-	-	−100 mn
Total Other Non Interest Income	702 md	186 md	621 md	568 md	689 md
Non Interest Income, Total	692 md	186 md	627 md	570 md	693 md
Revenues Before Provison For Loan Losses	2 572 md	2 150 md	3 296 md	3 706 md	4 405 md
Provision For Loan Losses	142 md	450 md	235 md	443 md	647 md
Total Revenues	2 430 md	1 700 md	3 061 md	3 264 md	3 758 md
Stock-Based Compensation (IS)	-	-	-	-	-
Federal Deposit Insurance	78,1 md	88,7 md	105 md	136 md	156 md
Selling General & Admin Expenses, Total	827 md	822 md	924 md	1 056 md	1 230 md
Total Other Non Interest Expense	33,6 md	-	-	7,1 md	7,3 md
Non Interest Expense, Total	939 md	911 md	1 030 md	1 199 md	1 393 md
EBT, Excl. Unusual Items	1 492 md	789 md	2 032 md	2 065 md	2 365 md
Total Merger & Related Restructuring Charges	−4,6 md	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	−12,7 md	−224 md	−46,8 md	−30,1 md	−115 md
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	1 475 md	565 md	1 985 md	2 035 md	2 250 md
Income Tax Expense	294 md	151 md	476 md	454 md	544 md
Earnings From Continuing Operations	1 181 md	414 md	1 509 md	1 580 md	1 706 md
Earnings Of Discontinued Operations	65 md	−143 md	-	-	-
Net Income to Company	1 246 md	270 md	1 509 md	1 580 md	1 706 md
Minority Interest	4,8 md	4,6 md	3,2 md	1,3 md	1,5 md
Net Income - (IS)	1 251 md	275 md	1 512 md	1 582 md	1 707 md
Preferred Dividend and Other Adjustments	27,8 md	9,7 md	33,9 md	42 md	43,3 md
Net Income to Common Incl Extra Items	1 223 md	265 md	1 478 md	1 540 md	1 664 md
Net Income to Common Excl. Extra Items	1 158 md	409 md	1 478 md	1 540 md	1 664 md
Poster per aktie
Net EPS - Basic	56,88	12,4	69,06	71,94	77,76
Basic EPS - Continuing Operations	53,86	19,1	69,06	71,94	77,76
Basic Weighted Average Shares Outstanding	21,5 md	21,4 md	21,4 md	21,4 md	21,4 md
Net EPS - Diluted	56,88	12,4	69,06	71,94	77,76
Diluted EPS - Continuing Operations	53,86	19,1	69,06	71,94	77,76
Diluted Weighted Average Shares Outstanding	21,5 md	21,4 md	21,4 md	21,4 md	21,4 md
Normalized Basic EPS	43,59	23,26	59,48	60,36	69,15
Normalized Diluted EPS	43,59	23,26	59,48	60,36	69,15
Dividend Per Share	-	25	33,3	34,8	37,64
Payout Ratio	34,31	-	-	-	43,21
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Kompletterande punkter
Effective Tax Rate - (Ratio)	19,92	26,72	23,99	22,33	24,18
Total Current Taxes	296 md	-	-	308 md	634 md
Total Deferred Taxes	−2,3 md	-	-	146 md	−89,7 md
Normalized Net Income	937 md	498 md	1 273 md	1 292 md	1 480 md
Non-Cash Pension Expense	2,2 md	-	-	-	-
Kompletterande driftskostnadsposter
Stock-Based Comp., SG&A Exp. (Total)	3 md	-	-	18 md	23,1 md
Stock-Based Comp., Other (Total)	-	-	-	-	-
Total Stock-Based Compensation	3 md	-	-	18 md	23,1 md

Skatteperiod: December	2021	2022	2023	2024	2025
TILLGÅNGAR
Cash And Equivalents	2 327 md	1 392 md	2 387 md	2 230 md	3 830 md
Investment Securities, Total	6 053 md	7 482 md	8 222 md	9 867 md	10 086 md
Trading Asset Securities, Total	1 002 md	-	-	1 403 md	2 219 md
Mortgage Backed Securities	98,2 md	-	-	210 md	969 md
Total investments	7 153 md	7 482 md	8 222 md	11 481 md	13 275 md
Gross Loans	28 759 md	31 038 md	39 381 md	46 227 md	50 594 md
Allowance For Loan Losses	−1 441 md	−1 664 md	−1 823 md	−2 163 md	−2 506 md
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	27 318 md	29 373 md	37 558 md	44 064 md	48 088 md
Gross Property Plant And Equipment	1 188 md	-	-	1 732 md	2 060 md
Accumulated Depreciation	−360 md	-	-	−527 md	−663 md
Net Property Plant And Equipment	828 md	820 md	1 003 md	1 204 md	1 397 md
Goodwill	52,8 md	-	-	51,7 md	54,4 md
Other Intangibles, Total	238 md	-	-	479 md	670 md
Investment in Real Estate	23,7 md	-	-	48,1 md	52,3 md
Other Receivables	75,9 md	1 268 md	1 153 md	152 md	157 md
Restricted Cash	274 md	46,9 md	77,1 md	152 md	173 md
Other Current Assets, Total	978 md	-	-	537 md	553 md
Deferred Tax Assets Long-Term (Collected)	35,2 md	145 md	133 md	121 md	118 md
Other Long-Term Assets, Total	1 863 md	1 345 md	1 774 md	335 md	447 md
Total Assets	41 166 md	41 872 md	52 307 md	60 855 md	68 814 md
Skulder
Accrued Expenses, Total	61,4 md	-	-	116 md	129 md
Interest Bearing Deposits	27 561 md	28 966 md	34 582 md	45 601 md	49 009 md
Total Deposits	27 561 md	28 966 md	34 582 md	45 601 md	49 009 md
Short-Term Borrowings	2 335 md	1 102 md	2 381 md	3 075 md	6 003 md
Current Portion of Long-Term Debt	379 md	-	-	301 md	374 md
Long-Term Debt	2 384 md	3 821 md	6 024 md	1 206 md	1 098 md
Long-Term Leases	88,2 md	-	-	171 md	245 md
Current Income Taxes Payable	3,6 md	-	-	19 md	88,9 md
Other Current Liabilities - (Bank / Utility Template)	815 md	-	-	309 md	354 md
Unearned Revenue Non Current	29,3 md	-	-	19,7 md	28,3 md
Pension & Other Post Retirement Benefits	64,7 md	-	-	113 md	124 md
Deferred Tax Liability Non-Current	29,9 md	13,9 md	21,5 md	36,8 md	41,5 md
Other Non Current Liabilities	1 770 md	2 153 md	2 714 md	2 715 md	2 974 md
Total Liabilities	35 521 md	36 057 md	45 723 md	53 682 md	60 468 md
Preferred Stock Non Redeemable	3 md	-	-	3 md	3 md
Preferred Stock - Others	−2 md	-	-	−1,9 md	−1,9 md
Total Preferred Equity	1 md	-	-	1,1 md	1,1 md
Common Stock, Total	64,8 md	320 md	320 md	64,8 md	64,8 md
Additional Paid In Capital	233 md	-	-	233 md	233 md
Retained Earnings	5 200 md	5 454 md	6 349 md	7 182 md	8 108 md
Treasury Stock	−29,9 md	−109 md	−235 md	−30,8 md	−41,5 md
Comprehensive Income and Other	170 md	150 md	150 md	−274 md	−13,3 md
Total Common Equity	5 638 md	5 815 md	6 584 md	7 175 md	8 350 md
Minority Interest	5,9 md	100 mn	400 mn	−2,2 md	−5,1 md
Total Equity	5 644 md	5 815 md	6 584 md	7 174 md	8 346 md
Total Liabilities And Equity	41 166 md	41 872 md	52 307 md	60 855 md	68 814 md
Kompletterande poster
ECS Total Shares Outstanding on Filing Date	22,46 md	21,4 md	21,4 md	21,4 md	21,39 md
ECS Total Common Shares Outstanding	22,46 md	21,4 md	21,4 md	21,4 md	21,39 md
Book Value / Share	244,36	264,71	300,65	328,19	383,42
Tangible Book Value	5 347 md	5 815 md	6 584 md	6 644 md	7 626 md
Tangible Book Value Per Share	231,42	264,71	300,65	303,39	349,55
Average Loans	-	27 929 md	-	-	-
Total Debt	5 186 md	4 924 md	8 405 md	4 752 md	7 720 md
Deposits at Interest - Cash	551 md	-	-	344 md	378 md
Net Debt	242 md	3 531 md	6 018 md	−2 953 md	−4 389 md
Equity Method Investments, Total	166 md	-	-	57,9 md	68,2 md
Full Time Employees	288 tn	209 tn	-	308 tn	292 tn
Part Time Employees	-	1,22 tn	-	-	-
Number Of Offices	13,65 tn	12,62 tn	-	11,6 tn	10,71 tn
Assets on Operating Lease - Gross	106 md	-	-	-	-
Assets on Operating Lease - Accumulated Depreciation	−22 md	-	-	-	-

Skatteperiod: December	2021	2022	2023	2024	2025
Net Income	1 251 md	-	-	-	1 707 md
Depreciation, Depletion & Amortization	103 md	-	-	-	143 md
Amortization of Goodwill and Intangible Assets - (CF)	41,7 md	-	-	-	153 md
Total Depreciation, Depletion & Amortization	144 md	-	-	-	296 md
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	−4 144 md	-	-	-	−4 835 md
Other Operating Activities	450 md	-	-	-	294 md
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	−2 299 md	-	-	-	−2 538 md
Capital Expenditure	−300 md	-	-	-	−550 md
Sale of Property, Plant, and Equipment	19,2 md	-	-	-	9,4 md
Cash Acquisitions	−23,6 md	-	-	-	−2,3 md
Divestitures	2,2 md	-	-	-	200 mn
Sale (Purchase) of Real Estate Properties (Collected)	500 mn	-	-	-	−400 mn
Investment in Marketable and Equity Securities, Total	−40,1 md	-	-	-	−3,4 md
Other Investing Activities, Total	120 md	-	-	-	-
Cash from Investing	−221 md	-	-	-	−547 md
Long-Term Debt Issued, Total	76,1 md	-	-	-	94,2 md
Total Debt Issued	76,1 md	-	-	-	94,2 md
Long-Term Debt Repaid, Total	−30,8 md	-	-	-	−50,7 md
Total Debt Repaid	−30,8 md	-	-	-	−50,7 md
Issuance of Common Stock	278 md	-	-	-	220 md
Repurchase of Common Stock	−292 md	-	-	-	−230 md
Common Dividends Paid	−411 md	-	-	-	−705 md
Preferred Dividends Paid	−18,1 md	-	-	-	−33 md
Common & Preferred Stock Dividends Paid	−429 md	-	-	-	−738 md
Net Increase (Decrease) in Deposit Accounts - (CF)	3 096 md	-	-	-	5 534 md
Other Financing Activities, Total	−3,6 md	-	-	-	−3,3 md
Cash from Financing	2 695 md	-	-	-	4 827 md
Foreign Exchange Rate Adjustments	−35,3 md	-	-	-	−56,5 md
Miscellaneous Cash Flow Adjustments	−200 mn	-	-	-	-
Net Change in Cash	140 md	-	-	-	1 686 md
Kompletterande poster
Cash Interest Paid	803 md	-	-	-	6 047 md
Cash Income Tax Paid (Refund)	342 md	-	-	-	555 md
Net Debt Issued / Repaid	45,3 md	-	-	-	43,5 md

Skatteperiod: December	2021	2022	2023	2024	2025
Lönsamhet
Return on Assets	3,06	1	3,2	2,79	2,63
Return On Equity %	22,09	7,22	24,41	22,97	21,98
Return on Common Equity	21,68	7,14	23,91	22,38	21,44
Shareholders Value Added	654 md	-	-	-	929 md
Marginalanalys
SG&A Margin	32,07	48,36	30,2	30,77	31,31
Net Interest Income / Total Revenues %	77,35	115,51	87,22	96,09	98,76
EBT Excl. Non-Recurring Items Margin %	61,38	46,43	66,37	63,26	62,93
Income From Continuing Operations Margin %	48,59	24,34	49,28	48,42	45,39
Net Income Margin %	51,46	16,18	49,39	48,46	45,43
Net Avail. For Common Margin %	47,64	24,04	48,28	47,17	44,28
Normalized Net Income Margin	38,56	29,29	41,58	39,58	39,37
Tillgångskvalitet
Nonperforming Loans / Total Loans %	2,85	2,64	2,17	2,51	3,28
Nonperforming Loans / Total Assets %	1,99	1,96	1,63	1,9	2,42
Nonperforming Assets / Total Assets %	1,99	1,96	1,63	1,9	2,42
NPAs / Loans and OREO	2,85	2,64	2,17	2,51	3,28
NPAs / Equity	14,51	14,11	12,97	16,15	19,91
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	175,92	202,82	213,52	186,66	150,82
Allowance for Credit Losses / Total Loans %	5,01	5,36	4,63	4,68	4,95
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Kapital och Finansiering
Total Average Common Equity / Total Average Assets %	13,84	13,79	13,13	12,16	11,97
Total Average Equity / Total Average Assets %	13,85	13,8	13,13	12,16	11,97
Total Equity + Allowance for Loan Losses / Total Loans %	24,62	24,1	21,35	20,2	21,46
Gross Loans / Total Deposits %	104,34	107,15	113,88	101,37	103,24
Net Loans / Total Deposits %	99,12	101,41	108,61	96,63	98,12
Tier 1 Capital Ratio %	14,3	15,2	13,5	12,4	13,2
Total Capital Ratio %	14,8	15,7	14	12,8	14,1
Core Tier 1 Capital Ratio	13,9	14,8	13,2	12,1	13
Tier 2 Capital Ratio	0,5	-	-	0,42	0,86
Coverage Ratio	100,72	146,26	145,71	137,12	111,81
Interbank Ratio	86,53	48,76	23,26	65,85	35,04
Täckning av fasta kostnader
EBT + Interest on Borrowings / Interest on Borrowings	48,11	9,03	32,06	12,15	9,29
EBT + Interest Expense / Interest Expense	2,73	1,33	2,08	1,47	1,38
Tillväxt jämfört med föregående år
Net Interest Income, 1 Yr. Growth %	13,77	6,9	35,97	17,47	18,36
Non Interest Income, 1 Yr. Growth %	26,15	−73,78	472,85	−5,73	21,52
Provision For Loan Losses, 1 Yr. Growth %	−63,51	224,51	−47,75	88,11	46,03
Total Revenues, 1 Yr. Growth %	34,08	−29,44	88,67	7,38	15,16
Earnings From Cont. Operations, 1 Yr. Growth %	50,86	−64,51	249,94	4,75	7,95
Net Income, 1 Yr. Growth %	64,33	−78	417,03	4,62	7,95
Normalized Net Income, 1 Yr. Growth %	48,21	−47,08	149,97	2,56	14,56
Diluted EPS Before Extra, 1 Yr. Growth %	52,36	−64,07	246,92	4,17	8,09
Dividend Per Share, 1 Yr. Growth %	-	-	33,2	4,5	8,16
Gross Loans, 1 Yr. Growth %	14,14	8,84	26,88	16,5	9,45
Allowance For Loan Losses, 1 Yr. Growth %	−12,01	17,03	9,55	8,74	15,88
Net Loans, 1 Yr. Growth %	15,96	8,41	27,86	16,91	9,13
Non Performing Loans, 1 Yr. Growth %	−23,66	0,17	4,06	35,72	43,42
Non Performing Assets, 1 Yr. Growth %	−23,66	0,17	4,06	35,72	43,42
Total Assets, 1 Yr. Growth %	14,3	1,72	24,95	16,34	13,08
Total Deposits, 1 Yr Growth %	7,98	6,21	19,39	26,28	7,46
Tangible Book Value, 1 Yr. Growth %	10,28	3,12	13,97	7,23	14,79
Common Equity, 1 Yr. Growth %	11,75	3,12	13,97	8,99	16,39
Total Equity, 1 Yr. Growth %	11,85	3,02	13,98	8,95	16,35
Tvåårig Sammansatt Årlig Tillväxthastighet
Net Interest Income, 2 Yr. CAGR %	11,92	9	20,56	26,38	17,91
Non Interest Income, 2 Yr. CAGR %	12,45	−41,7	−6,14	128,36	7,03
Provision For Loan Losses, 2 Yr. CAGR %	23,75	7,62	30,28	−0,86	65,74
Total Revenues, 2 Yr. CAGR %	11,48	−3,16	12,72	41,83	11,2
Earnings From Cont. Operations, 2 Yr. CAGR %	13,62	−27,29	13,75	91,46	6,34
Net Income, 2 Yr. CAGR %	21,67	−39,88	9,94	132,57	6,27
Normalized Net Income, 2 Yr. CAGR %	14,41	−11,27	16,32	59,27	8,4
Diluted EPS Before Extra, 2 Yr. CAGR %	13,48	−26,5	13,98	90,11	6,11
Dividend Per Share, 2 Yr. CAGR %	-	15,62	-	17,98	6,32
Gross Loans, 2 Yr. CAGR %	14,54	10,99	17,51	22,04	12,92
Allowance For Loan Losses, 2 Yr. CAGR %	1,58	0,81	13,23	14,01	12,25
Net Loans, 2 Yr. CAGR %	15,37	11,66	17,73	22,48	12,95
Non Performing Loans, 2 Yr. CAGR %	−6,56	−12,55	2,1	18,84	39,52
Non Performing Assets, 2 Yr. CAGR %	−6,56	−12,55	2,1	18,84	39,52
Total Assets, 2 Yr. CAGR %	17,22	7,82	12,72	20,57	14,7
Total Deposits, 2 Yr CAGR %	12,92	6,53	12,61	25,47	16,5
Tangible Book Value, 2 Yr. CAGR %	11,05	9,51	8,06	7,24	10,94
Common Equity, 2 Yr. CAGR %	12,22	7,36	8,06	11,44	12,63
Total Equity, 2 Yr. CAGR %	12,16	7,34	8,01	11,44	12,59
Treårig Sammansatt Årlig Tillväxthastighet
Net Interest Income, 3 Yr. CAGR %	8,55	9,37	17,34	19,52	23,65
Non Interest Income, 3 Yr. CAGR %	18,14	−30,16	4,53	−7,09	85,06
Provision For Loan Losses, 3 Yr. CAGR %	13,57	69,39	−15,39	47,25	12,8
Total Revenues, 3 Yr. CAGR %	10,67	−4,57	19,08	10,65	32,32
Earnings From Cont. Operations, 3 Yr. CAGR %	12,42	−23,24	24,44	10,67	58,17
Net Income, 3 Yr. CAGR %	14,51	−31,2	25,7	8,14	80,07
Normalized Net Income, 3 Yr. CAGR %	12,21	−11,41	26,26	11,15	42,7
Diluted EPS Before Extra, 3 Yr. CAGR %	12,16	−22,99	25,01	10,61	57,49
Dividend Per Share, 3 Yr. CAGR %	-	10,16	21,21	-	14,61
Gross Loans, 3 Yr. CAGR %	10,62	12,29	16,05	17,47	17,69
Allowance For Loan Losses, 3 Yr. CAGR %	−1,49	6,02	3,64	15,01	14,63
Net Loans, 3 Yr. CAGR %	11,44	12,69	16,82	17,6	17,86
Non Performing Loans, 3 Yr. CAGR %	1,14	−4,37	−7,33	12,26	26,52
Non Performing Assets, 3 Yr. CAGR %	1,14	−4,37	−7,33	12,26	26,52
Total Assets, 3 Yr. CAGR %	9,68	11,8	13,25	13,92	18,02
Total Deposits, 3 Yr CAGR %	9,64	10,25	10,65	18,69	19,16
Tangible Book Value, 3 Yr. CAGR %	12,3	10,28	10,74	5,62	9,7
Common Equity, 3 Yr. CAGR %	13,55	9,11	9,28	8,36	13,07
Total Equity, 3 Yr. CAGR %	13,55	9,03	9,27	8,32	13,05
Femårig sammansatt årlig tillväxthastighet
Net Interest Income, 5 Yr. CAGR %	5,89	6,94	12,67	15,88	17,57
Non Interest Income, 5 Yr. CAGR %	13,78	−16,67	8,34	0,83	4,79
Provision For Loan Losses, 5 Yr. CAGR %	−16,16	11,28	19,45	36,75	10,72
Total Revenues, 5 Yr. CAGR %	11,15	1,16	11,29	10,78	15,7
Earnings From Cont. Operations, 5 Yr. CAGR %	16,86	−10,38	12,66	11,55	16,86
Net Income, 5 Yr. CAGR %	18,27	−18,18	12,66	13,36	17,54
Normalized Net Income, 5 Yr. CAGR %	16,4	−3,01	13,92	12,53	18,54
Diluted EPS Before Extra, 5 Yr. CAGR %	16,54	−10,41	12,59	11,46	17,08
Dividend Per Share, 5 Yr. CAGR %	-	15,81	15,79	13,23	15,02
Gross Loans, 5 Yr. CAGR %	8,8	9,19	13,14	16,09	14,96
Allowance For Loan Losses, 5 Yr. CAGR %	2,03	3,38	3,87	9,14	8,89
Net Loans, 5 Yr. CAGR %	9,34	9,59	13,73	16,51	15,34
Non Performing Loans, 5 Yr. CAGR %	−0,23	−0,38	1,52	4,32	9,14
Non Performing Assets, 5 Yr. CAGR %	−0,23	−0,38	1,52	4,32	9,14
Total Assets, 5 Yr. CAGR %	10,17	9,08	10,89	15,23	13,82
Total Deposits, 5 Yr CAGR %	7,96	7,83	10,59	16,1	13,94
Tangible Book Value, 5 Yr. CAGR %	14,46	11,69	11,77	8,91	9,48
Common Equity, 5 Yr. CAGR %	14,89	11,12	11,32	9,89	10,6
Total Equity, 5 Yr. CAGR %	14,88	11,1	11,3	9,84	10,59