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Sberbank

Sberbank's net profit fell 5.28% yoy to RUB 205,580 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank made a net profit of RUB 205,580 mil under revenues of RUB 590,700 mil in the fourth quarter of 2020, down 5.28% and ...

Sberbank's mortgage loans rose 20.8% yoy to RUB 3,435,200 mil in 2Q2018

By Helgi Analytics - March 24, 2021

Sberbank's mortgage loans reached RUB 3,435,200 mil in 2018-06-30, up 2.70% compared to the previous year. Russian banking sect...

Sberbank's customer loans rose 3.05% yoy to RUB 18,654,600 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Sberbank's customer loans reached RUB 18,654,600 mil in 2018-09-30, up 3.55% compared to the previous year. Russian banking sec...

Profit Statement 2018 2019 2020
Net Interest Income RUB mil 1,396,500 1,415,500 1,608,200
Net Fee Income RUB mil 438,100 497,900 552,600
Other Income RUB mil 200,800 289,100 312,900
Total Revenues RUB mil 2,035,400 2,202,500 2,473,700
Staff Cost RUB mil 404,400 449,700 465,900
Operating Profit RUB mil 1,318,200 1,429,400 1,627,600
Provisions RUB mil 96,800 92,600 412,000
Net Profit RUB mil 844,940 920,560 776,280
Balance Sheet 2018 2019 2020
Interbank Loans RUB mil 1,727,700 1,270,500 2,145,300
Customer Loans RUB mil 19,585,000 20,363,500 23,386,400
Investments RUB mil 3,470,700 4,221,100 5,663,700
Total Assets RUB mil 31,197,500 29,959,700 36,016,000
Shareholders' Equity RUB mil 3,855,800 4,486,700 5,046,500
Interbank Borrowing RUB mil 1,180,300 797,600 1,996,900
Customer Deposits RUB mil 20,813,800 21,547,100 25,332,200
Issued Debt Securities RUB mil 1,607,400 1,453,500 1,526,800
Ratios 2018 2019 2020
ROE % 23.2 22.1 16.3
ROA % 2.90 3.01 2.35
Costs (As % Of Assets) % 2.46 2.53 2.56
Costs (As % Of Income) % 35.2 35.1 34.2
Capital Adequacy Ratio % 12.4 13.6 14.7
Net Interest Margin % 4.79 4.63 4.88
Loans (As % Of Deposits) % 94.1 94.5 92.3
NPLs (As % Of Loans) % 3.75 3.94 4.02
Provisions (As % Of NPLs) % 189 162 161
Valuation 2018 2019 2020
Market Capitalisation USD mil 57,662 88,100 78,483
Number Of Shares mil 21,500 21,500 21,500
Share Price RUB 186 255 271
Price/Earnings (P/E) 4.81 6.06 7.74
Price/Book Value (P/BV) 1.04 1.22 1.15
Dividend Yield % 8.59 7.34 6.90
Earnings Per Share (EPS) RUB 38.8 42.1 35.0
Book Value Per Share RUB 179 209 235
Dividend Per Share RUB 16.0 18.7 18.7

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summary Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                                    
Net Interest Income RUB mil       ...                               1,019,700 988,000 1,362,800 1,348,800 1,396,500    
Total Revenues RUB mil       ...                               1,398,400 1,528,900 1,831,300 1,963,400 2,035,400    
Operating Profit RUB mil       ...                               783,700 873,800 1,107,100 1,289,600 1,318,200    
Net Profit RUB mil       ...                               293,160 226,340 540,620 733,940 844,940    
balance sheet                                                    
Interbank Loans RUB mil       ...                               1,531,600 1,094,200 1,187,400 1,576,700 1,727,700    
Customer Loans RUB mil       ...                               17,635,100 18,606,200 17,253,200 18,488,100 19,585,000    
Investments RUB mil       ...                 ... ...           1,104,800 2,720,900 2,662,800 3,079,300 3,470,700    
Total Assets RUB mil       ...                               25,200,800 27,334,700 25,368,500 27,112,200 31,197,500    
                                                       
Shareholders' Equity RUB mil       ...                               2,020,100 2,375,000 2,821,600 3,436,000 3,855,800    
Interbank Borrowing RUB mil       ...                               3,684,800 1,157,000 633,800 748,500 1,180,300    
Customer Deposits RUB mil       ...                               15,534,000 19,687,200 18,612,900 19,759,000 20,813,800    
Issued Debt Securities RUB mil       ...                               2,593,400 2,583,000 2,162,300 1,898,200 1,607,400    
ratios                                                    
ROE % ...     ... ...                             15.0 10.3 20.8 23.5 23.2    
ROA % ...     ... ...                             1.35 0.862 2.05 2.80 2.90    
Costs (As % Of Assets) % ...     ... ...                             2.83 2.49 2.75 2.57 2.46    
Costs (As % Of Income) %       ...                               44.0 42.8 39.5 34.3 35.2    
Capital Adequacy Ratio % ... ... ... ... ...                             12.1 12.6 15.7 13.0 12.4    
Net Interest Margin % ...     ... ...                             4.70 3.76 5.17 5.14 4.79    
Interest Income (As % Of Revenues) %       ...                               72.9 64.6 74.4 68.7 68.6    
Fee Income (As % Of Revenues) %       ...                               20.2 20.9 19.1 19.2 21.5    
Staff Cost (As % Of Total Cost) % ... ...   ...                               52.6 53.6 53.8 56.9 56.4    
Equity (As % Of Assets) %       ...                               8.02 8.69 11.1 12.7 12.4    
Loans (As % Of Deposits) %       ...                               114 94.5 92.7 93.6 94.1    
Loans (As % Assets) %       ...                               70.0 68.1 68.0 68.2 62.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...               16.5 11.2 11.0 10.1 3.75    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...               28.5 53.8 64.0 69.5 189    
valuation                                                    
Market Capitalisation USD mil ... ... ... ...                               20,345 29,975 61,088 84,184 57,662    
Number Of Shares mil ... ... ... ... ... ...     ... ...                   21,500 21,500 21,500 21,500 21,500    
Share Price RUB ... ... ... ...                               54.9 101 173 225 186    
Earnings Per Share (EPS) RUB ... ... ... ... ... ...                           13.5 10.5 25.1 33.9 38.8    
Book Value Per Share RUB ... ... ... ... ... ...     ... ...                   94.0 110 131 160 179    
Dividend Per Share RUB ... ... ... ... ... ...     ... ...                   0.450 1.97 6.00 12.0 16.0    
Price/Earnings (P/E) ... ... ... ... ... ...                           4.07 9.64 6.91 6.65 4.81    
Price/Book Value (P/BV) ... ... ... ... ... ...     ... ...                   0.584 0.917 1.32 1.41 1.04    
Dividend Yield % ... ... ... ... ... ...     ... ...                   0.820 1.95 3.46 5.33 8.59    
Earnings Per Share Growth % ... ... ... ... ... ... ...                         -21.5 -22.1 139 35.2 14.4    
Book Value Per Share Growth % ... ... ... ... ... ... ...   ... ... ...                 7.37 17.6 18.8 21.8 12.2    
income statement Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                                    
Interest Income RUB mil       ...                               1,837,900 2,279,600 2,399,000 2,131,400 2,188,300    
Interest Cost RUB mil       ...                               818,200 1,291,600 1,036,200 782,600 791,800    
Net Interest Income RUB mil       ...                               1,019,700 988,000 1,362,800 1,348,800 1,396,500    
Net Fee Income RUB mil       ...                               282,300 319,000 349,100 377,100 438,100    
Fee Income RUB mil       ...                               329,500 384,100 436,300 479,000 598,500    
Fee Expense RUB mil       ...                               47,200 65,100 87,200 101,900 160,400    
Other Income RUB mil       ...                               96,400 221,900 119,400 237,500 200,800    
Total Revenues RUB mil       ...                               1,398,400 1,528,900 1,831,300 1,963,400 2,035,400    
Staff Cost RUB mil ... ...   ...                               323,500 351,100 389,800 383,300 404,400    
Depreciation RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           61,000 61,700 64,000 40,200 48,300    
Other Cost RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           230,200 242,300 270,400 250,300 264,500    
Operating Cost RUB mil       ...                               614,700 655,100 724,200 673,800 717,200    
Operating Profit RUB mil       ...                               783,700 873,800 1,107,100 1,289,600 1,318,200    
Provisions RUB mil       ...                               361,400 475,200 342,400 263,800 96,800    
Extra and Other Cost RUB mil       ...                               47,200 65,100 87,200 101,900 160,400    
Pre-Tax Profit RUB mil       ...                               375,100 333,500 677,500 923,900 1,061,000    
Tax RUB mil       ...                               83,840 107,560 135,480 191,660 217,260    
Minorities RUB mil       ...                               -1,900 -400 1,400 -1,700 -1,200    
Net Profit RUB mil       ...                               293,160 226,340 540,620 733,940 844,940    
Net Profit Avail. to Common RUB mil       ...                               290,060 225,840 538,720 728,140 833,240    
Dividends RUB mil ... ... ... ...                               9,714 42,526 129,522 258,100 361,400    
growth rates                                                    
Net Interest Income Growth % ...     ... ...                             18.3 -3.11 37.9 -1.03 3.54    
Net Fee Income Growth % ... ... ... ... ...                             28.1 13.0 9.44 8.02 16.2    
Total Revenue Growth % ...     ... ...                             18.5 9.33 19.8 7.21 3.67    
Operating Cost Growth % ...     ... ...                             10.3 6.57 10.5 -6.96 6.44    
Operating Profit Growth % ...     ... ...                             25.9 11.5 26.7 16.5 2.22    
Pre-Tax Profit Growth % ...     ... ...                             -19.2 -11.1 103 36.4 14.8    
Net Profit Growth % ...     ... ...                             -21.3 -22.8 139 35.8 15.1    
market share                                                    
Market Share in Revenues % ... ... ... ... ... ... ... ... ...                     23.3 22.9 14.0 18.0 ... ... ...
Market Share in Net Profit % ... ... ... ... ... ... ... ... ...                     60.2 266 82.4 146 ... ... ...
Market Share in Employees % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 34.7 39.5 ... ... ... ... ...
Market Share in Branches % ... ... ... ... ... ... ... ... ... ... ... ...               0.226 0.211 0.233 0.276 ... ... ...
balance sheet Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
balance sheet                                                    
Cash & Cash Equivalents RUB mil       ...                               2,674,500 2,721,500 2,962,800 2,756,500 2,320,900    
Interbank Loans RUB mil       ...                               1,531,600 1,094,200 1,187,400 1,576,700 1,727,700    
Customer Loans RUB mil       ...                               17,635,100 18,606,200 17,253,200 18,488,100 19,585,000    
Retail Loans RUB mil       ...                               4,847,300 4,965,600 5,031,700 5,716,600 6,751,200    
Mortgage Loans RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           2,269,800 2,554,600 2,750,900 3,190,600 3,850,600    
Consumer Loans RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           2,577,500 2,411,000 2,280,800 2,526,000 2,900,600    
Corporate Loans RUB mil       ...     ... ...                       9,026,500 10,368,000 9,916,000 14,174,600 14,331,100    
Investments RUB mil       ...                 ... ...           1,104,800 2,720,900 2,662,800 3,079,300 3,470,700    
Property and Equipment RUB mil       ...                               496,400 499,200 482,900 516,200 593,900    
Intangible Assets RUB mil ... ... ... ... ... ... ... ... ... ...                   101,400 105,400 93,900 86,000 75,400    
Goodwill RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           23,700 22,100 18,900 10,000 10,800    
Total Assets RUB mil       ...                               25,200,800 27,334,700 25,368,500 27,112,200 31,197,500    
                                                       
Shareholders' Equity RUB mil       ...                               2,020,100 2,375,000 2,821,600 3,436,000 3,855,800    
Of Which Minority Interest RUB mil       ...                               4,500 2,200 3,500 4,000 3,800    
Liabilities RUB mil       ...                               23,180,700 24,959,700 22,546,900 23,676,200 27,341,700    
Interbank Borrowing RUB mil       ...                               3,684,800 1,157,000 633,800 748,500 1,180,300    
Customer Deposits RUB mil       ...                               15,534,000 19,687,200 18,612,900 19,759,000 20,813,800    
Sight Deposits RUB mil   ... ... ... ... ...     ... ...                   3,705,900 4,776,600 4,461,200 5,257,000 5,792,000    
Term Deposits RUB mil   ... ... ... ... ...     ... ...                   11,828,100 14,910,600 14,151,700 14,502,000 15,021,800    
Issued Debt Securities RUB mil       ...                               2,593,400 2,583,000 2,162,300 1,898,200 1,607,400    
Subordinated Debt RUB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...           769,500 806,500 739,900 716,300 707,300    
Other Liabilities RUB mil       ...                               1,368,500 1,532,500 1,137,900 1,270,500 3,740,200    
asset quality                                                    
Non-Performing Loans RUB mil ... ... ... ... ... ... ... ... ... ... ... ...               3,052,800 2,224,300 2,037,500 2,018,400 791,600    
Gross Loans RUB mil       ...                               18,504,600 19,802,700 18,556,600 19,891,200 21,082,300    
Risk-Weighted Assets RUB mil ... ... ... ... ... ... ... ... ... ... ... ...               23,365,000 24,995,500 22,268,200 29,496,800 31,793,100    
Total Provisions RUB mil       ...                               869,500 1,196,500 1,303,400 1,403,100 1,497,300    
growth rates                                                    
Customer Loan Growth % ...     ... ...                             37.8 5.51 -7.27 7.16 5.93    
Retail Loan Growth % ... ... ... ... ... ... ...     ... ... ...               29.3 2.44 1.33 13.6 18.1    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         44.7 12.5 7.68 16.0 20.7    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         18.3 -6.46 -5.40 10.8 14.8    
Corporate Loan Growth % ... ...   ... ... ... ... ... ... ... ... ...               45.0 14.9 -4.36 42.9 1.10    
Total Asset Growth % ...     ... ...                             38.4 8.47 -7.19 6.87 15.1    
Shareholders' Equity Growth % ...     ... ...                             7.37 17.6 18.8 21.8 12.2    
Customer Deposit Growth % ...     ... ...                             28.9 26.7 -5.46 6.16 5.34    
market share                                                    
Market Share in Customer Loans % ... ... ... ...                               38.8 37.8 36.9 38.1 35.0 ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         33.0 34.1 36.2 52.1 ... ... ...
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ...           33.0 36.0 36.1 36.2 ... ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ...                     42.8 46.5 46.6 47.0 ... ... ...
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ...           64.3 64.1 61.3 61.5 ... ... ...
Market Share in Total Assets % ... ... ... ... ... ... ... ... ...                     34.5 35.5 34.3 34.8 37.1 ... ...
Market Share in Customer Deposits % ... ... ... ... ... ... ... ... ...                     49.4 52.6 52.9 52.7 49.6 ... ...
ratios Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                                     
ROE % ...     ... ...                             15.0 10.3 20.8 23.5 23.2    
ROTE % ... ... ... ... ... ... ... ... ... ... ...                 15.7 10.8 21.6 24.2 23.7    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...             9.70 6.24 15.3 18.9 18.4    
ROA % ...     ... ...                             1.35 0.862 2.05 2.80 2.90    
Return on Loans % ...     ... ...                             1.93 1.25 3.02 4.11 4.44    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...             3.89 3.61 4.68 4.98 4.30    
Costs (As % Of Assets) % ...     ... ...                             2.83 2.49 2.75 2.57 2.46    
Costs (As % Of Income) %       ...                               44.0 42.8 39.5 34.3 35.2    
Costs (As % Of Loans) % ...     ... ...                             4.04 3.62 4.04 3.77 3.77    
Costs (As % Of Loans & Deposits) % ...     ... ...                             2.12 1.83 1.95 1.82 1.82    
Capital Adequacy Ratio % ... ... ... ... ...                             12.1 12.6 15.7 13.0 12.4    
Tier 1 Ratio % ... ... ... ... ... ...                           8.60 8.90 12.3 11.4 11.8    
Net Interest Margin % ...     ... ...                             4.70 3.76 5.17 5.14 4.79    
Interest Spread % ...     ... ...                             4.33 3.31 4.74 4.74 4.40    
Asset Yield % ...     ... ...                             8.47 8.68 9.10 8.12 7.51    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...             6.94 6.32 7.75 7.59 6.64    
Cost Of Liabilities % ...     ... ...                             4.14 5.37 4.36 3.39 3.10    
Payout Ratio % ... ... ... ...                               3.31 18.8 24.0 35.2 42.8    
Interest Income (As % Of Revenues) %       ...                               72.9 64.6 74.4 68.7 68.6    
Fee Income (As % Of Revenues) %       ...                               20.2 20.9 19.1 19.2 21.5    
Other Income (As % Of Revenues) %       ...                               6.89 14.5 6.52 12.1 9.87    
Staff Cost (As % Of Total Cost) % ... ...   ...                               52.6 53.6 53.8 56.9 56.4    
Equity (As % Of Assets) %       ...                               8.02 8.69 11.1 12.7 12.4    
Equity (As % Of Loans) %       ...                               11.5 12.8 16.4 18.6 19.7    
Loans (As % Of Deposits) %       ...                               114 94.5 92.7 93.6 94.1    
Loans (As % Assets) %       ...                               70.0 68.1 68.0 68.2 62.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...               16.5 11.2 11.0 10.1 3.75    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...               28.5 53.8 64.0 69.5 189    
Provisions (As % Of Loans) %       ...                               4.93 6.43 7.55 7.59 7.65    
Cost of Provisions (As % Of Loans) % ...     ... ...                             2.38 2.62 1.91 1.48 0.508    
other data Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                                     
Branches ... ... ... ... ... ...     ... ... ... ...               94.0 78.0 79.0 91.0 89.0    
Employees       ...                               329,566 330,677 325,075 310,277 293,752    
Employees Per Bank Branch ... ... ... ... ... ...     ... ... ... ...               3,506 4,239 4,115 3,410 3,301    
Cost Per Employee USD per month ... ...   ...                               1,748 1,324 1,497 1,741 1,806    
Cost Per Employee (Local Currency) RUB per month ... ...   ...                               81,800 88,480 99,926 102,946 114,723    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       ... 18.0 14.0 13.0 14.3 14.2   ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       ... 70.5 70.2 69.1 67.8 68.0   ...
Women (As % of Management) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 19.0 ... ...
customer breakdown Unit 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                                     
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
                                                       
Market Value per Customer (Local Currency) RUB ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Revenue per Customer (Local Currency) RUB ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Net Profit per Customer (Local Currency) RUB ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Loan per Customer (Local Currency) RUB ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Deposit per Customer (Local Currency) RUB ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    

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Sberbank's customer deposits rose 2.52% yoy to RUB 19,563,800 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Sberbank's customer deposits reached RUB 19,563,800 mil in 2018-09-30, up 1.90% 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. Sberbank accounted f...

Sberbank's retail loans rose 18.4% yoy to RUB 6,419,700 mil in 3Q2018

By Helgi Analytics - March 24, 2021

Sberbank's retail loans reached RUB 6,419,700 mil in the third quarter of 2018, up 6.83% 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. Sberbank accounted f...

Sberbank's corporate loans rose 13.6% yoy to RUB 15,753,300 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank's loans reached RUB 25,008,600 mil in the fourth quarter of 2020, up from RUB 24,546,200 mil when compared to the previous quarter and up from RUB 21,749,400 mil when compared to the same period of last year. Historically, the bank’s loans ...

Sberbank's npls (as % of loans) rose 2.05% yoy to 4.02% in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank's non-performing loans reached 4.02% of total loans at the end of 2020-12-31, up from 3.94% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.3% in 2018-06-30 and an all time low of 0.668% in 2007-12-31. Provisio...

Sberbank's consumer loans rose 9.08% yoy to RUB 2,573,800 mil in 2Q2018

By Helgi Analytics - March 24, 2021

Sberbank's consumer loans reached RUB 2,573,800 mil in 2018-06-30, down 1.35% 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. Sberbank accounted for 32....

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

By Helgi Analytics - March 24, 2021

Sberbank 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(418) : eval()'...

Sberbank's net interest margin fell 2.70% yoy to 4.80% in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank's net interest margin amounted to 4.80% in the fourth quarter of 2020, down from 4.87% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 7.90% in 3Q2009 and an all time low of 3.24% ...

Sberbank's employees rose 1.50% yoy to 285,555 in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank employed 285,555 persons in 2020-12-31, up 2.63% when compared to the previous year. Historically, the bank's workforce hit an all time high of 330,677 persons in 2015-12-31 and an all time low of 237,921 in 2010-09-30. Average cost reached USD 2,738 per ...

Sberbank's net interest income rose 15.0% yoy to RUB 426,500 mil in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank generated total banking revenues of RUB 590,700 mil in the fourth quarter of 2020, down 4.42% when compared to the same period of last year and 11.2% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...

Sberbank's capital adequacy ratio rose 8.02% yoy to 14.7% in 4Q2020

By Helgi Analytics - March 24, 2021

Sberbank's capital adequacy ratio reached 14.7% at the end of fourth quarter of 2020, up from 14.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.9% in 4Q2008 and an all time low of 12.0% in 2Q2018. T...

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Sberbank of Russia OJSC is the largest Russian commercial bank. It offers many banking services for retail and corporate customers such as payments and transfers, currency exchange, travel checks, mutual funds, metal trading, deposits, brokerage services and many other services. At the end of 2015, the Bank operated almost 16,500 branches and employed over 300,000 persons in Russia. It also operates in number of other countries including Turkey, Ukraine, Belarus, Kazakhstan, Austria, Switzerland, India, Germany, or China. The Bank holds around 30% of Russia's bank assets, but approximately 40% in terms of clients loans and deposits. Sberbank of Russia OJSC was founded in 1841 and is headquartered in Moscow, the Russian Federation.

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Finance

Sberbank has been growing its revenues and asset by 13.8% and 15.4% a year on average in the last 10 years. Its loans and deposits have grown by 15.6% and 14.3% a year during that time and loans to deposits ratio reached 92.3% at the end of 2020. The company achieved an average return on equity of 20.5% in the last decade with net profit growing 15.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 34.2% in 2020, compared to 40.8% average in the last decade.

Equity represented 14.0% of total assets or 21.6% of loans at the end of 2020. Sberbank's non-performing loans were 4.02% of total loans while provisions covered some 161% of NPLs at the end of 2020.

Valuation

Sberbank 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 20.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.74x and price to book value (PBV) of 1.15x in 2020.