Investor Presentaiton
financial results
66
A
SBERBANK
170 YEARS. BY YOUR SIDE
DYNAMICS
OF SBERBANK GROUP'S
KEY FIGURES OVER
THE PAST FIVE YEARS
IN ACCORDANCE
WITH IFRS*
ANNUAL REPORT
DYNAMICS OF SBERBANK
GROUP'S KEY FIGURES OVER THE PAST
FIVE YEARS IN ACCORDANCE WITH IFRS
2011
2010
Change
2009
2008
2007
Per share*, RUB per share
Basic and diluted earnings
14.6
8.4 73.8%
1.1
4.5
5.1
Dividends per ordinary share declared during
the year
0.9
0.1 800.0%
0.5
0.5
0.4
Net assets per ordinary share
58.8
45.7
28.6%
36.1
34.8
29.5
Financial ratios, %
Profitability ratios
2011
Return on assets (ROA)
Return on equity (ROE)
3.2
2.3
0.9 p.p.
0.4
1.7
2.5
28.0
20.6
7.4 p.p.
3.2
14.1
22.5
Spread (return on assets less cost of funds)
53
6.1
5.9
0.2 p.p.
7.1
6.5
5.8
Net interest margin (net interest income
to average assets)
6.4
6.4
0.0 p.p.
7.6
6.9
6.2
Net fee and commission income
18.9
19.0 -0.1 p.p.
15.9
19.8
19.4
67
2011
2010
Change
2009
2008
2007
to operating income before provisions
For the year, RUB billion
Operating income before provisions
Provision charge for loan impairment
Operating income
Operating expenses
Profit before tax
Net profit
As of 31 December, RUB billion
635.1 435.6 340.3
(388.9) (97.9) (17.6)
744.0 496.0 50.0% 246.2 337.7 322.7
Operating expenses to operating income before
provisions
46.9
40.9
6.0 p.p.
34.1
47.7
53.8
742.8 649.8
14.3%
1.2
(153.8)
Loans and advances to customers after provision
for loan impairment to amounts due to individuals
97.3
82.5
14.8 p.p.
89.4
105.9
101.1
and corporate customers
financial results
Capital adequacy ratios
(348.3) (265.9) 31.0% (216.3)
395.7 230.1
(207.8) (183.0)
Core capital ratio (Tier I)
11.6
11.9
-0.3 p.p.
11.5
12.1
13.9
72.0%
29.9
129.9
139.7
Total capital ratio (Tier I and Tier II)
15.2
16.8 -1.6 p.p.
18.1
18.9
14.5
315.9
181.6
74.0% 24.4 97.7
106.5
Equity to total assets
11.7
11.4
0.3 p.p.
11.0
11.1
12.9
Asset quality
Loans and advances to customers, net
7,720 5,489
40.6%
Loans and advances to customers before
provision for loan impairment
8,382 6,192
4,864 5,078 3,922
35.4% 5,444 5,280 4,033
Non-performing loans to total loans outstanding
4.9
7.3 -2.4 p.p.
18
8.4
1.8
1.5
Provision for loan impairment to non-performing
loans (times)
1.6
1.6
0.0 p.p.
1.3
21
2.1
1.8
Total assets
Due to individuals and corporate customers
Total liabilities
Total equity
10,835
8,629 25.6% 7,105 6,736 4,929
7,932 6,651 19.3% 5,439 4,795 3,878
9,567 7,641 25.2% 6,326 5,986 4,292
1,268.0 987.2 28.4% 778.9 750.2 637.2
Provision for loan impairment to total gross loans
to customers
7.9
11.3 -3.4 p.p.
10.7
3.8
2.8
2008-2011: Consolidated data. 2007: Non-consolidated data.
170 YEARS. IT'S JUST THE BEGINNING
WWW.SBERBANK.RU
*
Ratio is calculated taking into account share split of ordinary
shares in 2007.View entire presentation