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

Dynamics of Sberbank Group’s key figures over the past five years in accordance with IFRS
2014 2013 Change, % 2012 2011 2010
For the year, RUB bn
Operating income before provisions 1,300.7 1,094.8 18.8 915.3 733.7 646.8
Provision charge for loan impairment (357.0) (133.5) 167.4 (21.5) 1.2 (153.8)
Operating income 939.3 959.9 -2.1 893.8 734.9 493.0
Operating expenses (565.1) (504.2) 12.1 (445.9) (339.2) (262.9)
Profit before tax 374.2 455.7 -17.9 447.9 395.7 230.1
Net profit 290.3 362.0 -19.8 347.9 315.9 181.6
As of 31 December, RUB bn
Loans and advances to customers, net 17,757 12,934 37.3 10,499 7,720 5,489
Loans and advances to customers before provision for loan impairment 18,626 13,544 37.5 11,064 8,382 6,192
Total assets 25,201 18,210 38.4 15,097 10,835 8,629
Due to individuals and corporate customers 15,563 12,064 29.0 10,179 7,932 6,651
Total liabilities 23,181 16,329 42.0 13,474 9,567 7,641
Total equity 2,020 1,881 7.4 1,624 1,268 987
Per share, RUB
Basic and diluted earnings 13.45 16.78 -19.8 16.03 14.60 8.40
Dividends per ordinary share declared during the year 3.2 2.6 24.5 2.1 0.9 0.1
Net assets per ordinary share 94.0 87.5 7.4 75.2 58.7 45.7
Financial ratios,%
Profitability ratios
Return on assets (ROA) 1.4 2.2 -0.8 pp 2.7 3.2 2.3
Return on equity (ROE) 14.8 20.8 -6.0 pp 24.2 28 20.6
Spread (return on assets less cost of funds) 5.5 5.7 -0.2 pp 5.8 6.1 5.9
Net interest margin (net interest income to average assets) 5.6 5.9 -0.3 pp 6.1 6.4 6.4
Operating expenses to operating income before provisions 43.4 46.1 -2.7 pp 48.7 46.2 40.6
Loans and advances to customers after provision for loan impairment to amounts due to individuals and corporate customers 114.1 107.2 6.9 pp 103.1 97.3 82.5
Capital adequacy ratios
Core capital ratio (Tier I) 8.6 10.6 -2.0 pp 10.4 11.6 11.9
Total capital ratio (Tier I and Tier II) 12.1 13.4 -1.3 pp 13.7 15.2 16.8
Equity to total assets 8.0 10.3 -2.3 pp 10.8 11.7 11.4
Asset quality ratios,%
Non-perfoming loans to total loans outstanding 3.2 2.9 0.3 pp 3.2 4.9 7.3
Provision for loan impairment to non-perfoming loans (times) 1.4 1.5 -0.1 1.6 1.6 1.6
Provision for loan impairment to total gross loans to customers 4.7 4.5 0.2 pp 5.1 7.9 11.3