2015 Annual Report

ru

Dynamics of Sberbank Group ’s key figures over the past five years in accordance with IFRS

Years
2011 2012 2013 2014 2015 Change, %
For the year, RUB bln
Operating income before provisions 733.7 915.3 1,094.8 1,300.7 1,429.8 9.9
Provision charge for loan impairment 1.2 (21.5) (133.5) (357.0) (473.1) 32.5
Operating income 734.9 893.8 959.9 939.3 954.6 1.6
Operating expenses (339.2) (445.9) (504.2) (565.1) (623.4) 10.3
Profit before tax 395.7 447.9 455.7 374.2 331.2 –11.5
Net profit 315.9 347.9 362.0 290.3 222.9 –23.2
As of 31 December, RUB bln
Loans and advances to customers, net 7,720 10,499 12,934 17,757 18,728 5.5
Loans and advances to customers before provision for loan impairment 8,382 11,064 13,544 18,626 19,924 7.0
Total assets 10,835 15,097 18,210 25,201 27,335 8.5
Due to individuals and corporate customers 7,932 10,179 12,064 15,563 19,798 27.2
Total liabilities 9,567 13,474 16,329 23,181 24,960 7.7
Total equity 1,268 1,624 1,881 2,020 2,375 17.6
Per share, RUB per share
Basic and diluted earnings 14.60 16.03 16.78 13.45 10.36 –23.0
Dividends per ordinary share declared during the year 0.9 2.1 2.6 3.2 0.5 –85.9
Net assets per ordinary share 58.7 75.2 87.5 94.0 110.5 17.6
Financial ratios,%
Profitability ratios
Return on assets (ROA) 3.2 2.7 2.2 1.4 0.9 –0.5 p.p.
Return on equity (ROE) 28 24.2 20.8 14.8 10.2 –4.6 p.p.
Spread (return on assets less cost of funds) 6.1 5.8 5.7 5.5 4.1 –1.4 p.p.
Net interest margin (net interest income to average earning assets) 6.4 6.1 5.9 5.6 4.4 –1.2 p.p.
Operating expenses to operating income before provisions 46.2 48.7 46.1 43.4 43.6 0.2 p.p.
Loans and advances to customers befor provision for loan impairment to current accounts and term deposits of individuals and corporate customers and savings sertificates 97.2 100.9 104.2 110.8 91.9 –18.9 p.p.
Capital adequacy ratios, %
Core capital ratio (Tier I) 11.6 10.4 10.6 8.6 8.9 0.3 p.p.
Total capital ratio (Tier I and Tier II) 15.2 13.7 13.4 12.1 12.6 0.5 p.p.
Equity to total assets 11.7 10.8 10.3 8.0 8.7 0.7 p.p.
Asset quality ratios
Non-perfoming loans to total loans outstanding 4.9 3.2 2.9 3.2 5.0 1.8 p.p.
Provision for loan impairment to non-perfoming loans (times) 1.6 1.6 1.5 1.4 1.2 –0.2
Provision for loan impairment to total gross loans to customers 7.9 5.1 4.5 4.7 6.0 1.3 p.p.