Major performance indicators of Sberbank Group under IFRS for five years

Major performance indicators of Sberbank Group under IFRS for five years
2013 2014 2015 2016 2017 Change
For the year. RUB bln
Operating income before provisions 1,094.8 1,300.7 1,429.8 1,697.5 1,903.3 12.1%
Provision charge for debt financial assets (134.9) (361.4) (475.2) (342.4) (287.3) -16.1%
Operating income 959.9 939.3 954.6 1,355.1 1,616.0 19.3%
Operating expenses (504.2) (565.1) (623.4) (677.6) (672.8) -0.7%
Profit before tax 455.7 374.2 331.2 677.5 943.2 39.2%
Net profit 362.0 290.3 222.9 541.9 748.7 38.2%
As of 31 December. RUB bln
Loans and advances to customers. net 12,934 17,757 18,728 17,361 18,488 6.5%
Loans and advances to customers before provision for loan impairment 13,544 18,626 19,924 18,665 19,891 6.6%
Total assets 18,210 25,201 27,335 25,369 27,112 6.9%
Due to individuals and corporate customers 12,064 15,563 19,798 18,685 19 814 6.0%
Total liabilities 16,329 23,181 24,960 22,547 23 676 5.0%
Total equity 1,881 2,020 2,375 2,822 3,436 21.8%
Per share. RUB per share
Basic and diluted earnings per ordinary share 16.78 13.45 10.36 25.00 34.58 38.3%
Net assets per ordinary share 87.5 94.0 110.5 131.2 159.8 21.8%
Financial ratios. %
Profitability ratios
Return on assets (ROA) 2.2 1.4 0.9 2.1 2.9 0.8 п.п.
Return on equity (ROE) 20.8 14.8 10.2 20.8 24.2 3.4 п.п.
Spread (return on assets less cost of funds) 5.7 5.5 4.1 5.3 5.6 0.3 п.п.
Net interest margin (net interest income to average earning assets) 5.9 5.6 4.4 5.7 6.0 0.3 п.п.
Operating expenses to operating income before provisions (CIR) 46.0 43.2 43.7 39.7 35.2 -4.5 п.п.
Net loans and advances to customers to current accounts and term deposits of individuals and corporate customers and savings certificates (net loans-to-deposits ratio) 104.2 110.8 91.9 90.6 91.6 1.0 п.п.
Capital adequacy ratios. %
Common equity Tier 1 capital adequacy ratio (Basel III / Basel I) 10.6Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 8.6Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 8.9Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 10.2 11.4 1.2 п.п.
Total capital adequacy ratio (Tier I and Tier II) (Basel III / Basel I) 13.4Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 12.1Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 12.6Capital adequacy ratios for 2012 - 2015 inclusive are calculated based on the requirements of Basel I 12.0 13.0 1.0 п.п.
Equity to total assets 10.3 8.0 8.7 11.1 12.7 1.6 п.п.
Asset quality ratios
Non-performing loans to total loans outstanding (NPL ratio) 2.9 3.2 5.0 4.4 4.2 -0.2 п.п.
Provision for loan impairment to non-performing loans (NPL coverage) (times) 1.5 1.4 1.2 1.6 1.7 0.1
Provision for loan impairment to total gross loans to customers 4.5 4.7 6.0 7.0 7.1 0.1 п.п.