Sovcombank (MOEX:SVCB)

Sovcombank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	573,428	538,634	625,989	152,581	306,755	148,886
Investment Securities	103,596	84,801	87,203	126,076	144,166	155,493
Trading Asset Securities	446,011	513,962	462,177	386,537	158,236	231,431
Total Investments	549,607	598,763	549,380	512,613	302,402	386,924
Gross Loans	3,015,958	2,782,130	1,982,754	1,467,427	1,252,015	743,390
Allowance for Loan Losses	-146,386	-118,139	-88,217	-80,503	-55,160	-32,278
Net Loans	2,869,572	2,663,991	1,894,537	1,386,924	1,196,855	711,112
Property, Plant & Equipment	53,323	29,955	20,563	16,922	18,094	10,810
Goodwill	4,772	4,708	4,057	4,057	4,092	1,662
Other Intangible Assets	-	12,558	6,929	6,450	7,344	3,925
Investments in Real Estate	-	3,993	2,526	5,786	4,209	102
Other Receivables	34,918	35,509	7,190	19,790	14,140	8,806
Restricted Cash	12,053	11,353	4,523	2,263	12,961	7,559
Other Current Assets	139,057	98,340	50,039	52,236	231,443	191,061
Long-Term Deferred Tax Assets	53,058	39,687	19,390	21,549	6,104	532
Other Real Estate Owned & Foreclosed	17,377	7,870	1,376	959	-	-
Other Long-Term Assets	4,695	906	2,486	3,335	7,157	11,981
Total Assets	4,311,860	4,046,267	3,188,985	2,185,465	2,111,556	1,483,360
Accounts Payable	9,162	9,445	6,339	3,487	3,284	1,700
Accrued Expenses	19,851	11,596	7,724	8,135	7,709	5,780
Interest Bearing Deposits	3,190,709	3,055,189	2,503,589	1,688,046	1,421,285	980,917
Total Deposits	3,190,709	3,055,189	2,503,589	1,688,046	1,421,285	980,917
Short-Term Borrowings	180,544	77,391	74,426	55,661	180,292	164,850
Current Portion of Long-Term Debt	-	53,501	12,273	-	15,885	3,201
Current Portion of Leases	-	5,786	4,406	-	-	-
Current Income Taxes Payable	914	346	1,828	127	1,565	632
Other Current Liabilities	7,507	11,008	5,176	3,158	5,734	1,820
Long-Term Debt	329,294	290,413	141,859	140,626	169,527	116,201
Long-Term Leases	13,867	5,765	4,938	7,589	7,244	4,142
Long-Term Unearned Revenue	11,227	10,048	7,630	5,767	15,803	6,998
Long-Term Deferred Tax Liabilities	4,293	1,343	261	55	754	2,706
Other Long-Term Liabilities	143,443	124,445	120,179	80,699	39,522	6,124
Total Liabilities	3,910,811	3,656,276	2,890,628	1,993,350	1,868,604	1,295,071
Common Stock	2,252	2,069	2,069	1,969	1,969	1,969
Additional Paid-In Capital	64,538	65,264	36,482	20,718	25,857	25,842
Retained Earnings	319,548	285,547	241,841	158,641	180,151	136,011
Treasury Stock	-	-547	-877	-	-5,211	-5,211
Comprehensive Income & Other	2,683	19,048	17,624	10,372	39,161	27,648
Total Common Equity	389,021	371,381	297,139	191,700	241,927	186,259
Minority Interest	12,028	18,610	1,218	415	1,025	2,030
Shareholders' Equity	401,049	389,991	298,357	192,115	242,952	188,289
Total Liabilities & Equity	4,311,860	4,046,267	3,188,985	2,185,465	2,111,556	1,483,360
Total Debt	523,705	432,856	237,902	203,876	372,948	288,394
Net Cash (Debt)	501,683	619,740	850,264	335,242	92,043	91,923
Net Cash Growth	-8.50%	-27.11%	153.63%	264.22%	0.13%	-48.57%
Net Cash Per Share	22.35	28.17	44.52	17.64	4.84	4.81
Filing Date Shares Outstanding	22,446	20,624	20,593	19,000	19,019	19,100
Total Common Shares Outstanding	22,446	20,624	20,593	19,000	19,019	19,100
Book Value Per Share	16.39	15.98	12.75	8.67	10.58	8.38
Tangible Book Value	384,249	354,115	286,153	181,193	230,491	180,672
Tangible Book Value Per Share	16.18	15.14	12.22	8.11	9.98	8.09

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.