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 | | | | | | 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 | | | 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 | | | | | | 6.5% |
Loans and advances to customers before provision for loan impairment | | | | | | 6.6% |
Total assets | | | | | | 6.9% |
Due to individuals and corporate customers | | | | | | 6.0% |
Total liabilities | | | | | | 5.0% |
Total equity | | | | | | 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 p.p. |
Return on equity (ROE) | 20.8 | 14.8 | 10.2 | 20.8 | 24.2 | 3.4 p.p. |
Spread (return on assets less cost of funds) | 5.7 | 5.5 | 4.1 | 5.3 | 5.6 | 0.3 p.p. |
Net interest margin (net interest income to average earning assets) | 5.9 | 5.6 | 4.4 | 5.7 | 6.0 | 0.3 p.p. |
Operating expenses to operating income before provisions (CIR) | 46.0 | 43.2 | 43.7 | 39.7 | 35.2 | -4.5 p.p. |
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 p.p. |
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 p.p. |
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 p.p. |
Equity to total assets | 10.3 | 8.0 | 8.7 | 11.1 | 12.7 | 1.6 p.p. |
Asset quality ratios | ||||||
Non-performing loans to total loans outstanding (NPL ratio) | 2.9 | 3.2 | 5.0 | 4.4 | 4.2 | -0.2 p.p. |
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 p.p. |