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Bank Saint Petersburg's net profit rose 86.8% yoy to RUB 4,494 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg made a net profit of RUB 4,494 mil under revenues of RUB 12,276 mil in the fourth quarter of 2020, up 86.8% and...

Bank Saint Petersburg's net profit rose 86.8% yoy to RUB 4,494 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg made a net profit of RUB 4,494 mil in the fourth quarter of 2020, up 86.8% when compared to the same period...

Bank Saint Petersburg's mortgage loans rose 20.2% yoy to RUB 56,608 mil in 2Q2018

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's mortgage loans reached RUB 56,608 mil in 2018-06-30, up 2.24% compared to the previous year. Russian ba...

Profit Statement 2018 2019 2020
Net Interest Income RUB mil 21,895 23,282 25,523
Net Fee Income RUB mil 5,853 6,819 7,539
Other Income RUB mil 5,895 3,690 6,538
Total Revenues RUB mil 33,644 33,790 39,601
Staff Cost RUB mil 5,942 6,454 7,576
Operating Profit RUB mil 20,393 19,532 24,430
Provisions RUB mil 7,714 7,655 8,851
Net Profit RUB mil 8,937 7,906 10,558
Balance Sheet 2018 2019 2020
Interbank Loans RUB mil 213,901 123,430 126,732
Customer Loans RUB mil 338,784 368,070 419,465
Investments RUB mil 51,318 105,740 86,479
Total Assets RUB mil 673,404 673,651 730,227
Shareholders' Equity RUB mil 75,654 79,370 88,693
Interbank Borrowing RUB mil 157,164 158,567 141,091
Customer Deposits RUB mil 397,443 410,343 470,922
Issued Debt Securities RUB mil 23,249 12,034 10,862
Ratios 2018 2019 2020
ROE % 12.2 10.2 12.6
ROA % 1.40 1.17 1.50
Costs (As % Of Assets) % 2.07 2.12 2.16
Costs (As % Of Income) % 39.4 42.2 38.3
Capital Adequacy Ratio % 17.2 17.4 ...
Net Interest Margin % 3.42 3.46 3.64
Loans (As % Of Deposits) % 85.2 89.7 89.1
NPLs (As % Of Loans) % 0.800 1.63 ...
Provisions (As % Of NPLs) % 1,215 511 ...
Valuation 2018 2019 2020
Market Capitalisation USD mil 311 432 332
Number Of Shares mil 497 485 476
Share Price RUB 44.3 56.3 51.8
Price/Earnings (P/E) 2.46 3.46 2.33
Price/Book Value (P/BV) 0.291 0.344 0.278
Dividend Yield % ... 6.59 6.43
Earnings Per Share (EPS) RUB 18.0 16.3 22.2
Book Value Per Share RUB 152 164 187
Dividend Per Share RUB ... 3.71 3.33

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                
Net Interest Income RUB mil                   18,511 17,478 22,145 20,548 21,895    
Total Revenues RUB mil                   23,196 28,747 32,219 34,613 33,644    
Operating Profit RUB mil                   13,546 17,770 18,754 20,665 20,393    
Net Profit RUB mil                   4,405 3,619 4,278 7,700 8,937    
balance sheet                                
Interbank Loans RUB mil                   97,914 120,657 153,671 176,298 213,901    
Customer Loans RUB mil                   315,339 335,302 314,711 318,216 338,784    
Investments RUB mil ... ... ...             11,056 44,205 49,330 47,988 51,318    
Total Assets RUB mil                   521,600 562,535 580,288 606,859 673,404    
                                   
Shareholders' Equity RUB mil                   51,294 56,784 60,869 70,910 75,654    
Interbank Borrowing RUB mil                   102,597 136,263 148,230 148,925 157,164    
Customer Deposits RUB mil                   308,482 325,532 333,436 352,972 397,443    
Issued Debt Securities RUB mil                   45,941 39,284 26,269 16,295 23,249    
ratios                                
ROE % ...                 8.90 6.70 7.27 11.7 12.2    
ROA % ...                 0.946 0.668 0.749 1.30 1.40    
Costs (As % Of Assets) % ...                 2.07 2.02 2.36 2.35 2.07    
Costs (As % Of Income) %                   41.6 38.2 41.8 40.3 39.4    
Capital Adequacy Ratio % ... ...               13.3 15.6 16.3 16.7 17.2   ...
Net Interest Margin % ...                 3.98 3.22 3.88 3.46 3.42    
Interest Income (As % Of Revenues) %                   79.8 60.8 68.7 59.4 65.1    
Fee Income (As % Of Revenues) %                   16.0 14.1 14.6 15.1 17.4    
Staff Cost (As % Of Total Cost) %                   46.4 40.8 41.8 42.8 44.8    
Equity (As % Of Assets) %                   9.83 10.1 10.5 11.7 11.2    
Loans (As % Of Deposits) %                   102 103 94.4 90.2 85.2    
Loans (As % Assets) %                   60.5 59.6 54.2 52.4 50.3    
NPLs (As % Of Loans) % ... ... ...             4.20 3.76 4.47 4.91 0.800   ...
Provisions (As % Of NPLs) % ... ... ...             197 251 250 225 1,215   ...
valuation                                
Market Capitalisation USD mil ... ...               174 262 467 472 311    
Number Of Shares mil ... ...               445 441 441 466 497    
Share Price RUB ... ...               24.1 42.9 65.9 54.4 44.3    
Earnings Per Share (EPS) RUB ... ...               9.88 8.20 9.69 16.5 18.0    
Book Value Per Share RUB ... ...               115 129 138 152 152    
Dividend Per Share RUB                   0.108 1.03 1.03 1.05 ...    
Price/Earnings (P/E) ... ...               2.44 5.23 6.80 3.29 2.46    
Price/Book Value (P/BV) ... ...               0.209 0.333 0.478 0.357 0.291    
Dividend Yield % ... ...               0.450 2.41 1.57 1.93 ...    
Earnings Per Share Growth % ... ... ...             -37.6 -17.0 18.2 70.6 8.78    
Book Value Per Share Growth % ... ... ...             -10.6 11.8 7.19 10.4 -0.042    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                
Interest Income RUB mil                   38,760 50,794 51,852 47,170 46,039    
Interest Cost RUB mil                   20,249 33,316 29,707 26,622 24,143    
Net Interest Income RUB mil                   18,511 17,478 22,145 20,548 21,895    
Net Fee Income RUB mil                   3,721 4,042 4,700 5,211 5,853    
Fee Income RUB mil                   4,421 4,772 5,830 6,607 7,326    
Fee Expense RUB mil                   700 730 1,131 1,396 1,472    
Other Income RUB mil                   964 7,227 5,374 8,854 5,895    
Total Revenues RUB mil                   23,196 28,747 32,219 34,613 33,644    
Staff Cost RUB mil                   4,477 4,474 5,629 5,971 5,942    
Depreciation RUB mil ... ... ... ... ... ... ... ... ... ... ... 798 898 953    
Other Cost RUB mil ... ... ... ... ... ... ... ... ... ... ... 7,037 7,080 6,355    
Operating Cost RUB mil                   9,650 10,976 13,464 13,949 13,251    
Operating Profit RUB mil                   13,546 17,770 18,754 20,665 20,393    
Provisions RUB mil                   7,286 12,293 12,490 9,575 7,714    
Extra and Other Cost RUB mil                   700 730 1,131 1,396 1,472    
Pre-Tax Profit RUB mil                   5,560 4,747 5,133 9,694 11,207    
Tax RUB mil                   1,155 1,129 855 1,932 2,160    
Minorities RUB mil                   0 0 0 62.0 110    
Net Profit RUB mil                   4,405 3,619 4,278 7,700 8,937    
Net Profit Avail. to Common RUB mil                   4,403 3,616 4,276 7,698 8,935    
Dividends RUB mil                   48.4 459 462 525 ...    
growth rates                                
Net Interest Income Growth % ...                 38.4 -5.58 26.7 -7.21 6.56    
Net Fee Income Growth % ...                 38.9 8.65 16.3 10.9 12.3    
Total Revenue Growth % ...                 10.5 23.9 12.1 7.43 -2.80    
Operating Cost Growth % ...                 28.2 13.7 22.7 3.60 -5.00    
Operating Profit Growth % ...                 0.540 31.2 5.54 10.2 -1.31    
Pre-Tax Profit Growth % ...                 -34.5 -14.6 8.14 88.8 15.6    
Net Profit Growth % ...                 -34.2 -17.9 18.2 80.0 16.1    
market share                                
Market Share in Revenues %                   0.386 0.430 0.246 0.317 ... ... ...
Market Share in Net Profit %                   0.905 4.26 0.652 1.53 ... ... ...
Market Share in Employees % ... ... ... ... ... ... ... ... ... 0.295 0.406 ... ... ... ... ...
Market Share in Branches % ... ...               0.103 0.143 0.197 0.015 ... ... ...
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
balance sheet                                
Cash & Cash Equivalents RUB mil                   60,531 38,947 37,102 42,219 40,895    
Interbank Loans RUB mil                   97,914 120,657 153,671 176,298 213,901    
Customer Loans RUB mil                   315,339 335,302 314,711 318,216 338,784    
Retail Loans RUB mil ... ...               51,778 53,502 60,127 75,806 89,736    
Mortgage Loans RUB mil ... ... ... ...           29,388 35,379 42,448 54,067 59,978    
Consumer Loans RUB mil ... ... ... ...           22,391 18,123 17,679 21,739 29,758    
Corporate Loans RUB mil ... ...               291,966 316,765 294,187 281,905 284,453    
Investments RUB mil ... ... ...             11,056 44,205 49,330 47,988 51,318    
Property and Equipment RUB mil ... ...               14,535 14,477 28,067 14,294 13,875    
Intangible Assets RUB mil                   0 0 272 377 308    
Goodwill RUB mil ... ... ... ...           0 0 0 0 0    
Total Assets RUB mil                   521,600 562,535 580,288 606,859 673,404    
                                   
Shareholders' Equity RUB mil                   51,294 56,784 60,869 70,910 75,654    
Of Which Minority Interest RUB mil                   0 0 0 590 1,087    
Liabilities RUB mil                   470,306 505,751 519,419 535,949 597,750    
Interbank Borrowing RUB mil                   102,597 136,263 148,230 148,925 157,164    
Customer Deposits RUB mil                   308,482 325,532 333,436 352,972 397,443    
Sight Deposits RUB mil ... ...               109,720 99,765 104,199 109,233 127,197    
Term Deposits RUB mil ... ...               198,762 225,767 229,237 243,739 270,246    
Issued Debt Securities RUB mil                   45,941 39,284 26,269 16,295 23,249    
Other Liabilities RUB mil                   13,286 4,673 11,483 17,757 19,893    
asset quality                                
Non-Performing Loans RUB mil ... ... ...             14,435 13,908 15,824 17,557 3,004   ...
Gross Loans RUB mil                   343,744 370,267 354,314 357,710 375,284    
Risk-Weighted Assets RUB mil ... ...               470,721 520,098 502,373 531,714 533,698   ...
Total Provisions RUB mil ... ...               28,405 34,965 39,603 39,495 36,500    
growth rates                                
Customer Loan Growth % ...                 25.7 6.33 -6.14 1.11 6.46    
Retail Loan Growth % ... ... ...             37.1 3.33 12.4 26.1 18.4    
Mortgage Loan Growth % ... ... ... ... ...         44.8 20.4 20.0 27.4 10.9    
Consumer Loan Growth % ... ... ... ... ...         28.2 -19.1 -2.45 23.0 36.9    
Corporate Loan Growth % ... ... ...             22.1 8.49 -7.13 -4.18 0.904    
Total Asset Growth % ...                 27.4 7.85 3.16 4.58 11.0    
Shareholders' Equity Growth % ...                 7.59 10.7 7.19 16.5 6.69    
Customer Deposit Growth % ...                 21.9 5.53 2.43 5.86 12.6    
market share                                
Market Share in Customer Loans %                   0.694 0.682 0.673 0.656 0.605 ... ...
Market Share in Corporate Loans % ... ... ... ... ...         1.07 1.04 1.07 1.04 ... ... ...
Market Share in Retail Loans % ... ... ... ...           0.287 0.270 0.280 0.311 ... ... ...
Market Share in Consumer Loans % ... ...               0.457 0.501 0.557 0.623 ... ... ...
Market Share in Mortgage Loans % ... ... ... ...           0.833 0.888 0.945 1.04 ... ... ...
Market Share in Total Assets %                   0.714 0.731 0.785 0.780 0.802 ... ...
Market Share in Customer Deposits %                   0.981 0.869 0.948 0.942 0.946 ... ...
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                 
ROE % ...                 8.90 6.70 7.27 11.7 12.2    
ROTE % ...                 8.90 6.70 7.29 11.7 12.3    
ROE (@ 15% of RWA) % ... ... ...             6.70 4.87 5.58 9.93 11.2   ...
ROA % ...                 0.946 0.668 0.749 1.30 1.40    
Return on Loans % ...                 1.56 1.11 1.32 2.43 2.72    
Operating Profit (As % of RWA) % ... ... ...             3.09 3.59 3.67 4.00 3.83   ...
Costs (As % Of Assets) % ...                 2.07 2.02 2.36 2.35 2.07    
Costs (As % Of Income) %                   41.6 38.2 41.8 40.3 39.4    
Costs (As % Of Loans) % ...                 3.41 3.37 4.14 4.41 4.03    
Costs (As % Of Loans & Deposits) % ...                 1.71 1.71 2.06 2.11 1.88    
Capital Adequacy Ratio % ... ...               13.3 15.6 16.3 16.7 17.2   ...
Tier 1 Ratio % ... ...               10.2 9.88 11.0 12.4 13.4   ...
Net Interest Margin % ...                 3.98 3.22 3.88 3.46 3.42    
Interest Spread % ...                 3.46 2.54 3.28 2.90 2.93    
Asset Yield % ...                 8.33 9.37 9.07 7.95 7.19    
Revenues (As % of RWA) % ... ... ...             5.30 5.80 6.30 6.69 6.32   ...
Cost Of Liabilities % ...                 4.87 6.83 5.80 5.05 4.26    
Payout Ratio %                   1.10 12.7 10.8 6.81 ...    
Interest Income (As % Of Revenues) %                   79.8 60.8 68.7 59.4 65.1    
Fee Income (As % Of Revenues) %                   16.0 14.1 14.6 15.1 17.4    
Other Income (As % Of Revenues) %                   4.16 25.1 16.7 25.6 17.5    
Staff Cost (As % Of Total Cost) %                   46.4 40.8 41.8 42.8 44.8    
Equity (As % Of Assets) %                   9.83 10.1 10.5 11.7 11.2    
Equity (As % Of Loans) %                   16.3 16.9 19.3 22.3 22.3    
Loans (As % Of Deposits) %                   102 103 94.4 90.2 85.2    
Loans (As % Assets) %                   60.5 59.6 54.2 52.4 50.3    
NPLs (As % Of Loans) % ... ... ...             4.20 3.76 4.47 4.91 0.800   ...
Provisions (As % Of NPLs) % ... ... ...             197 251 250 225 1,215   ...
Provisions (As % Of Loans) % ... ...               9.01 10.4 12.6 12.4 10.8    
Cost of Provisions (As % Of Loans) % ...                 2.57 3.78 3.84 3.03 2.35    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                 
Branches ... ...               43.0 53.0 67.0 5.00 4.00   ...
Employees ... ... ...           ... 2,807 3,400 3,440 ... ... ... ...
Employees Per Bank Branch ... ... ...           ... 65.3 64.2 51.3 ... ... ... ...
Cost Per Employee USD per month ... ... ...           ... 2,840 1,641 2,042 ... ... ... ...
Cost Per Employee (Local Currency) RUB per month ... ... ...           ... 132,916 109,651 136,351 ... ... ... ...
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                 
Customers mil ... ... ... ...           1.46 1.66 1.82 1.98 2.14    
                                   
Market Value per Customer (Local Currency) RUB ... ... ... ...           7,271 11,553 15,555 13,720 10,105    
Revenue per Customer (Local Currency) RUB ... ... ... ...           15,942 17,359 17,683 17,481 15,721    
Net Profit per Customer (Local Currency) RUB ... ... ... ...           3,027 2,185 2,348 3,889 4,176    
Loan per Customer (Local Currency) RUB ... ... ... ...           216,728 202,477 172,728 160,715 158,310    
Deposit per Customer (Local Currency) RUB ... ... ... ...           212,015 196,577 183,006 178,269 185,721    
Market Value per Customer USD ... ... ... ...           120 159 256 238 145    
Revenue per Customer USD ... ... ... ...           341 260 265 296 247    
Net Profit per Customer USD ... ... ... ...           64.7 32.7 35.2 65.8 65.7    
Loan per Customer USD ... ... ... ...           3,568 2,778 2,848 2,790 2,279    
Deposit per Customer USD ... ... ... ...           3,491 2,697 3,017 3,095 2,673    

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Bank Saint Petersburg's employees rose 1.18% yoy to 3,440 in 4Q2016

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg employed 3,440 persons in 2016-12-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,440 persons in 2016-12-31 and an all time low of 2,182 in 2008-12-31. Average cost reached USD 2,46...

Bank Saint Petersburg's npls (as % of loans) rose 21.7% yoy to 1.06% in 3Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's non-performing loans reached 1.06% of total loans at the end of 2020-09-30, up from 0.867% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.1% in 2018-03-31 and an all time low of 0.127% in 2008-06-30. ...

Bank Saint Petersburg's retail loans rose 20.5% yoy to RUB 85,700 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's retail loans reached RUB 85,700 mil in the third quarter of 2018, up 4.54% compared to the previous year. Russian banking sector provided retail loans of RUB 14,482 bil in 3Q2018, up 6.39% when compared to the last year. Bank Saint...

Bank Saint Petersburg's customer loans rose 10.8% yoy to RUB 338,548 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's customer loans reached RUB 338,548 mil in 2018-09-30, up 6.41% compared to the previous year. Russian banking sector provided customer loans of RUB 54,055 bil in 2018-09-30, up 5.04% when compared to the last year. Bank Saint Peter...

Bank Saint Petersburg's customer deposits rose 9.30% yoy to RUB 359,785 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's customer deposits reached RUB 359,785 mil in 2018-09-30, up 1.44% compared to the previous year. Russian banking sector accepted customer deposits of RUB 40,113 bil in 2018-09-30, up 2.56% when compared to the last year. Bank Saint...

Bank Saint Petersburg's net interest income rose 12.9% yoy to RUB 7,190 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg generated total banking revenues of RUB 12,276 mil in the fourth quarter of 2020, up 15.8% when compared to the same period of last year and 26.7% when compared to the previous quarter. Historically, the bank’s revenues containing of int...

Bank Saint Petersburg's corporate loans rose 16.2% yoy to RUB 338,860 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's loans reached RUB 459,273 mil in the fourth quarter of 2020, down from RUB 468,654 mil when compared to the previous quarter and up from RUB 401,446 mil when compared to the same period of last year. Historically, the bank’s ...

Bank Saint Petersburg's consumer loans rose 32.9% yoy to RUB 25,370 mil in 2Q2018

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's consumer loans reached RUB 25,370 mil in 2018-06-30, up 13.7% compared to the previous year. Russian banking sector provided consumer loans of RUB 7,855 bil in 2018-06-30, up 5.92% when compared to the last year. Bank Saint Petersb...

Bank Saint Petersburg's net interest margin rose 3.47% yoy to 3.96% in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg's net interest margin amounted to 3.96% in the fourth quarter of 2020, up from 3.47% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 6.34% in 2Q2008 and an all time low of ...

Bank Saint Petersburg's price/earnings (P/E) remain unchanged yoy at in 4Q2020

By Helgi Analytics - March 24, 2021

Bank Saint Petersburg stock traded at per share at the end first quarter of 1970 implying a market capitalization of. Since the end of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(4...

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Bank Saint Petersburg Logo

Finance

Bank Saint Petersburg has been growing its revenues and asset by 10.6% and 10.4% a year on average in the last 10 years. Its loans and deposits have grown by 8.66% and 9.42% a year during that time and loans to deposits ratio reached 89.1% at the end of 2020. The company achieved an average return on equity of 10.5% in the last decade with net profit growing 9.44% a year on average. In terms of operating efficiency, its cost to income ratio reached 38.3% in 2020, compared to 40.0% average in the last decade.

Equity represented 12.1% of total assets or 21.1% of loans at the end of 2020. Bank Saint Petersburg's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.

Valuation

Bank Saint Petersburg stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 11.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 2.33x and price to book value (PBV) of 0.278x in 2020.