Sberbank of Russia (MOEX: SBER)

Sberbank of Russia Income Statement

Financials in millions RUB. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	4,217,500	3,304,500	2,511,500	2,260,400
Interest Income on Investments	-	287,700	243,800	187,600	116,800
Total Interest Income	-	4,505,200	3,548,300	2,699,100	2,377,200
Interest Paid on Deposits	-	1,771,600	1,514,500	792,600	703,500
Interest Paid on Borrowings	-	63,900	70,300	69,800	21,100
Total Interest Expense	-	1,835,500	1,584,800	862,400	724,600
Net Interest Income	2,622,700	2,669,700	1,963,500	1,836,700	1,652,600
Net Interest Income Growth (YoY)	-1.76%	35.97%	6.90%	11.14%	10.10%
Gain (Loss) on Sale of Investments	-	5,400	400	3,700	41,100
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-21,000
Other Non-Interest Income	778,100	621,300	109,000	707,600	528,600
Total Non-Interest Income	778,100	626,700	109,400	711,300	548,700
Non-Interest Income Growth (YoY)	24.16%	472.85%	-84.62%	29.63%	0.24%
Revenues Before Loan Losses	3,400,800	3,296,400	2,072,900	2,548,000	2,201,300
Provision for Loan Losses	714,700	235,400	450,500	138,700	388,600
Revenue	2,686,100	3,061,000	1,622,400	2,409,300	1,812,700
Revenue Growth (YoY)	-12.25%	88.67%	-32.66%	32.91%	-7.32%
Federal Deposit Insurance	-	105,100	88,500	77,300	62,900
Selling, General & Administrative	-	924,400	726,500	834,400	712,800
Other Non-Interest Expense	796,000	-	-	-	26,500
Total Non-Interest Expense	796,000	1,029,500	815,000	911,700	802,200
EBT Excluding Unusual Items	1,890,100	2,031,500	807,400	1,497,600	1,010,500
Asset Writedown	-	-46,800	-221,500	-42,400	-29,600
Pretax Income	1,890,100	1,984,700	585,900	1,455,200	976,100
Income Tax Expense	327,700	476,100	154,800	289,300	193,300
Earnings From Continuing Operations	1,562,400	1,508,600	431,100	1,165,900	782,800
Earnings From Discontinued Operations	-	-	-143,300	80,000	-22,500
Minority Interest in Earnings	-	3,200	4,600	4,800	800
Net Income	1,562,400	1,511,800	292,400	1,250,700	761,100
Preferred Dividends & Other Adjustments	-	33,900	9,700	27,800	23,600
Net Income to Common	1,562,400	1,477,900	282,700	1,222,900	737,500
Net Income Growth	3.35%	417.03%	-76.62%	64.33%	-9.92%
Basic Shares Outstanding	-	21,400	21,400	21,500	21,500
Diluted Shares Outstanding	-	21,400	21,400	21,500	21,500
Shares Change (YoY)	-	-	-0.47%	-	-
EPS (Basic)	-	69.06	13.21	56.88	34.30
EPS (Diluted)	-	69.06	13.21	56.88	34.30
EPS Growth	-	422.78%	-76.77%	65.82%	-11.07%
Dividend Per Share	-	33.300	25.000	-	18.700
Dividend Growth	-	33.20%	-	-	0%
Effective Tax Rate	17.34%	23.99%	26.42%	19.88%	19.80%

Source: S&P Capital IQ. Banks template. Financial Sources.