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General information

  • Bad financial results growth rate -18.4% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (18.7%)
  • Dividend yield for the last twelve months 8.7%
  • Share price is 255.3% higher than minimum and 17.7% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (2.6x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: BSPB
Share price, RUB:  (-2.4%)339.7
year average price 368.16  


year start price 326.45 2024-11-23

min close price 296.21 2024-12-16

max close price 412.99 2025-08-08

current price 339.70 2025-11-22
Common stocks: 461 880 000
Dividend Yield:  8.7%
P / E LTM: 2.6x
P / E annualized: 4.5x
Last revenue growth (y/y):  -2.8%
Last growth of Net Income (y/y):  -33.9%
Historical revenue growth:  11.2%
Historical growth of Net Income:  26.2%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+2.4%
 FCF Creation0.0%
 Growth-18.4%
 Growth Corr-37.1%
 
 Sum-53.1%
P/E mutiple calculation
Market Cap (m RUB): 156 901
Net Profit (m RUB): 60 030
P / E LTM: 2.6x
Average daily trading volume for the week, RUB mln: 154
P / E 3.5x
P / E ann-d4.5x
P / B 0.7x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 15.8%
ROA (Return on assets) 2.6%

Revenue and Net Income

Quarterly values (m RUB)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment RUB per share

Multiple and potential

EV / LTM Net Income and 50% percentile

Potential dynamics

Daily trade volumes

Millions of RUB

P/B and P/E multipliers

P / B

P / E

Фьючерсы
Название Инструмент Дата экспирации Последняя цена За день Дневной объем млн руб Цена акции Контанго / бэквордация Annualized
Фьючерсный контракт BSPB-12.25 BSZ5 2025-12-19 3448.00 0.0% 13.4 339.7 +1.5% +22.3%
Фьючерсный контракт BSPB-3.26 BSH6 2026-03-20 3579.00 +0.5% 0.3 339.7 +5.4% +17.5%
MSFO data *The values are shown in mln. The % change shows the difference from the same period last year

View as Pivot Table       Export as Pivot Table (xlsx)



Income (financial)


формула расчета Revenue = PercentIncomeNet + CommissionIncome
 
Q PercentIncome PercentExpense PercentIncomeNet ReserveForCreditLoss PercentIncomeNetAfterReserve CommissionIncome Revenue CommissionExpense CommissionIncomeNet OperationsWithFinancialInstruments OtherOperatingIncomeNet IncomeNonCoreNet AdministrativeExpense IncomeBeforeTax IncomeTax IncomeNet IncomeNetRegular IncomeNetIrregular
 
2025 q3 54 554+42% -34 912+66% 19 642+13% -4 196>+200% 15 446-5% 3 715-4% 23 357+10% -842+20% 2 873-9% 687<-100%     -7 193+10% 11 560-30% -2 797-11% 8 763-34% 8 242-38% 521<-100%
2025 q2 50 948+46% -31 446+73% 19 502+17% -5 641+96% 13 861+1% 3 615+4% 23 117+15% -7740% 2 841+5% 865<-100%     -6 597+21% 11 962-14% -2 837+7% 9 125-19% 8 465-26% 660<-100%
2025 q1 49 474+46% -29 546+76% 19 928+16% 62<-100% 19 990+18% 3 434+3% 23 362+14% -673-2% 2 761+4% 642<-100% -2 286+18%   -5 715-4% 20 456+27% -4 929+61% -16-88%    
2024 q4 46 911+56% -27 564+96% 19 347+20% -1 700<-100% 17 647-19% 3 719-3% 23 066+16% -644-18% 3 075+1% 442<-100% -14 734<-100%   -13 262+19% 16 273+8% -3 064-34% 26 615+36% 12 951-25% 163<-100%
2024 q3 38 429+89% -21 085+173% 17 344+37% -1 000<-100% 16 344+27% 3 857+5% 21 201+30% -701-2% 3 156+6% -146<-100% -2 644-58%   -6 559+63% 16 410+54% -3 147+45% 13 263<-100% 13 381+83% -118<-100%
2024 q2 34 883+101% -18 219+181% 16 664+53% -2 872<-100% 13 792+19% 3 482-2% 20 146+39% -773+16% 2 709-6% -239<-100% -2 582+7%   -5 468+126% 13 943-19% -2 656-23% 11 287-18% 11 480-7% -193<-100%
2024 q1 33 965+103% -16 763>+200% 17 202+53% -232<-100% 16 970+14% 3 347-20% 20 549+33% -688+10% 2 659-25% -38<-100% -1 934-68%   -5 975-1% 16 090-12% -3 070-15% -131<-100%    
2023 q4 30 139 -14 063 16 076 5 835 21 911 3 845 19 921 -788 3 057 -8 585 15 053   -11 162 15 101 -4 667 19 554 17 322 -6 888
2023 q3 20 386 -7 725 12 661 167 12 828 3 690 16 351 -718 2 972 1 530 -6 319   -4 014 10 690 -2 164 -594 7 306 1 220
2023 q2 17 366 -6 480 10 886 706 11 592 3 557 14 443 -665 2 892 1 789 -2 420   -2 420 17 180 -3 446 13 734 12 304 1 430
2023 q1 16 768 -5 559 11 209 3 691 14 900 4 193 15 402 -627 3 566 5 886 -6 018   -6 018 18 244 -3 623 14 621 9 904 4 717
2022 q4                                    
2022 q3                                    
2022 q2                                    
2022 q1                                    
2021 q3 11 062+7% -4 005-8% 7 057+17% -1 074-47% 5 983+48% 3 003+17% 10 060+17% -807+29% 2 196+13% 670+156% -1 215-99%   -3 101+13% 5 171+37% -1 0340% 4 137+50% 3 601+41% 536+182%
2021 q2 10 580 782-1% -3 950 791-15% 6 629 991+9% -1 986 953-19% 4 643 038+29% 3 082 663+42% 9 712 654+18% -774 025+55% 2 308 638+38%   -1 311 654>+200%   -2 934 693+3% 5 995 372+158% -1 120 039>+200% 4 875 333+142%    
2021 q1 10 080 424-11% -3 613 966-28% 6 466 458+4% 2 242 442+116% 8 708 900+20% 2 610 740+14% 9 077 198+6% -706 466+19% 1 904 274+12% 9 966-42% 233 744-58%   -3 622 964+1% 3 090 660+48% -697 242+37% 2 393 418+51% 2 385 700+52% 7 718-40%
2020 q4 ( 251 , 252 , 253 , 254 , 255 ) 11 078-8% -3 888-31% 7 190+13% -2 664+32% 4 526+4% 3 001+14% 10 191+13% -687+15% 2 314+14% 3 983>+200% 15<-100%   -3 670+23% 5 311+79% -832+49% -6 490+20%    
2020 q3 10 374<-100% -4 334<-100% 6 040<-100% -2 010<-100% 4 030<-100% 2 562<-100% 8 602<-100% -625<-100% 1 937<-100% 261<-100% -136 712<-100%   -2 739<-100% 3 780<-100% -1 030<-100% 2 750<-100% 2 560<-100% 190<-100%
2020 q2 10 710 966-56% -4 653 408-65% 6 057 558-45% -2 468 203-35% 3 589 355-50% 2 172 882-46% 8 230 440-46% -499 047-52% 1 673 835-45% -305 058<-100% -416 587>+200%   -2 857 598-51% 2 327 643-46% -310 510-61% 2 017 133-42% 2 281 496-33% -264 363<-100%
2020 q1 11 265 894>+200% -5 030 289>+200% 6 235 605>+200% 1 036 095<-100% 7 271 700>+200% 2 290 396>+200% 8 526 001>+200% -593 923>+200% 1 696 473>+200% 17 050>+200% 553 654<-100%   -3 593 582>+200% 2 091 295>+200% -510 132>+200% 1 581 163>+200% 1 568 272>+200% 12 891>+200%
2019 q4 ( 259 , 260 , 261 , 262 , 263 ) 12 005-3% -5 638-10% 6 367+5% -2 012-34% 4 355+44% 2 621+28% 8 989+11% -595-41% 2 026+95% 1 105-46% -2 392 722>+200%   -2 973+12% 2 962-9% -559-19% -5 396<-100% -5 375<-100% -21<-100%
2019 q3 -24 384 275<-100% 13 343 428<-100% -11 040 847<-100% 3 809 794<-100% -7 231 052<-100% -4 056 417<-100% -15 097 264<-100% 1 038 167<-100% -3 018 250<-100% -49 508<-100% 2 483 294<-100%   5 770 746<-100% -4 270 231<-100% 804 057<-100% -3 466 177<-100% -3 425 991>+200% -40 186<-100%
2019 q2 24 407 916<-100% -13 355 892<-100% 11 052 025<-100% -3 813 163<-100% 7 238 862<-100% 4 060 972<-100% 15 112 997<-100% -1 039 199<-100% 3 021 773<-100% 49 382<-100% -87 736<-100%   -5 776 316<-100% 4 275 444<-100% -805 049<-100% 3 470 396<-100% 3 430 316<-100% 40 080<-100%
2019 q1 12 847<-100% -7 110<-100% 5 736<-100% -2 219<-100% 3 517<-100% 1 802<-100% 7 538<-100% -532<-100% 1 270<-100% 167<-100% -3 008<-100%   -3 008<-100% 1 543<-100% -261<-100% 1 281<-100% 1 142<-100% 139<-100%
2018 q4 ( 267 , 268 ) 12 331-25% -6 265-30% 6 066-20% -3 047-42% 3 019+34% 2 055+95% 8 121-6% -1 016>+200% 1 039+9% 2 033<-100% -2 658<-100%   -2 658+7% 3 266<-100% -691<-100% 2 554<-100% 959<-100% 1 594<-100%
2018 q3 11 412<-100% -5 893<-100% 5 519<-100% -2 214<-100% 3 305<-100% 1 863<-100% 7 383<-100% -385<-100% 1 478<-100% 3 723<-100% -5 889<-100%   -2 613<-100% 2 427<-100% -345<-100% 2 038<-100% -962<-100% 3 000<-100%
2018 q2 -10 940 558<-100% 5 897 026<-100% -5 043 532<-100% 1 755 081<-100% -3 288 451<-100% -1 688 823<-100% -6 732 355<-100% 303 756<-100% -1 385 068<-100% -588 953<-100% 770 569<-100%   2 533 896<-100% -2 265 365<-100% 422 684<-100% -1 829 730<-100% -1 354 053<-100% -475 677<-100%
2018 q1 10 962 854>+200% -5 909 012>+200% 5 053 842>+200% -1 758 698>+200% 3 295 144>+200% 1 692 231>+200% 6 746 073>+200% -304 437>+200% 1 387 794>+200% 589 433>+200% -773 109>+200%   -2 539 712>+200% 2 270 879>+200% -423 808>+200% 1 834 075>+200% 1 358 020>+200% 476 055>+200%
2017 q4 ( 275 , 276 ) 16 526+29% -8 986+33% 7 540+24% -5 292+110% 2 248-37% 1 055-33% 8 594+12% -101-71% 954-22% -472-82% 3 155+27%   -2 474-21% -2 019<-100% 560<-100% -1 405<-100% -1 230<-100% -175-92%
2017 q3 -23 755 425-8% 14 976 115-4% -8 779 310-15% 5 195 916-15% -3 583 394-16% -3 100 457+12% -11 879 768-10% 670 468+42% -2 429 989+6% -302 500-81% 2 202 764-11%   5 178 9060% -4 127 191+71% 808 764+89% -3 289 559+65% -3 048 451>+200% -241 107-81%
2017 q2 23 778 635-9% -14 989 836-4% 8 788 798-15% -5 200 478-15% 3 588 320-16% 3 103 740+12% 11 892 538-10% -671 176+42% 2 432 564+6% 301 982-81% -2 203 704-11%   -5 184 4100% 4 132 508+71% -809 820+90% 3 293 764+65% 3 053 083>+200% 240 681-81%
2017 q1 12 116-6% -7 663-2% 4 454-12% -2 655-10% 1 799-15% 1 493+11% 5 947-7% -322+48% 1 171+4% 1 551-7% -2 407>+200%   -2 407-3% 1 836+21% -360+4% 1 477+26% 229<-100% 1 247-3%
2016 q4 ( 284 , 285 , 286 ) 12 844-2% -6 778-15% 6 066+18% -2 519-26% 3 548+104% 1 579+18% 7 645+18% -353+82% 1 225+7% -2 639+3% 2 481<-100%   -3 147+7% 1 449+5% -202-56% 1 247+34% 3 400+9% -2 153-2%
2016 q3 -25 962 112+4% 15 597 351-6% -10 364 761+26% 6 121 330+10% -4 243 431+61% -2 764 374+26% -13 129 136+26% 472 071+44% -2 292 304+23% -1 556 098<-100% 2 481 080+27%   5 174 126+19% -2 419 602+20% 426 826-5% -1 992 776+27% -711 178-65% -1 281 598<-100%
2016 q2 25 988 223+4% -15 612 451-6% 10 375 772+26% -6 128 378+10% 4 247 394+61% 2 767 280+26% 13 143 052+26% -472 630+44% 2 294 650+23% 1 557 689<-100% -2 486 505+28%   -5 179 551+19% 2 421 772+20% -427 135-5% 1 994 637+27% 711 647-65% 1 282 991<-100%
2016 q1 12 897+5% -7 829-4% 5 068+23% -2 942+15% 2 126+36% 1 346+33% 6 414+25% -218+24% 1 128+35% 1 663-20% -207>+200%   -2 493+26% 1 515+112% -345+135% 1 170+106% -114-89% 1 284-22%
2015 q4 ( 293 , 294 , 295 , 296 ) 13 156+18% -8 001+43% 5 155-7% -3 413+17% 1 742-34% 1 338+2% 6 493-5% -194-19% 1 144+7% -2 558>+200% -39<-100%   -2 948+19% 1 384+49% -453+93% 931+35% 3 128>+200% -2 197>+200%
2015 q3 -24 850 567+38% 16 622 971+75% -8 227 596-3% 5 585 038+102% -2 642 559-54% -2 187 759+11% -10 415 355-1% 327 132+11% -1 860 627+11% 574 304<-100% 1 945 969>+200%   4 346 134+11% -2 016 141-44% 451 192-33% -1 564 949-46% -2 010 906>+200% 445 956<-100%
2015 q2 24 875 927+38% -16 640 130+75% 8 235 797-3% -5 591 363+102% 2 644 434-54% 2 190 181+11% 10 425 978-1% -327 492+11% 1 862 688+11% -569 679<-100% -1 946 064>+200%   -4 350 725+11% 2 018 788-44% -451 720-33% 1 567 068-46% 2 009 319>+200% -442 251<-100%
2015 q1 12 278+41% -8 156+76% 4 122+1% -2 555+110% 1 567-45% 1 012+9% 5 134+2% -176+26% 837+6% 2 071+95% 0<-100%   -1 974+10% 716-63% -147-46% 569-66% -1 077<-100% 1 646+80%
2014 q4 ( 305 , 306 ) 11 134+33% -5 598+23% 5 537+45% -2 911+155% 2 625-2% 1 313+41% 6 849+44% -240+80% 1 072+34% -340<-100% 2-97%   -2 469+28% 926-76% -235-70% 691-78% 997-60% -306<-100%
2014 q3 ( 307 , 308 ) -17 979 555+24% 9 489 030+13% -8 490 525+38% 2 768 832+24% -5 721 692+46% -1 978 383+38% -10 468 908+38% 295 075+43% -1 683 308+38% -3 296 790+179% 38 472<-100%   3 917 381+35% -3 585 992+40% 670 580+20% -2 915 411+46% -235 126-78% -2 680 286+190%
2014 q2 17 998 459+24% -9 499 050+13% 8 499 409+38% -2 771 992+24% 5 727 418+46% 1 980 562+38% 10 479 972+38% -295 396+43% 1 685 166+38% 3 300 056+179% -38 471<-100%   -3 921 536+35% 3 589 167+40% -671 327+20% 2 917 840+46% 235 000-78% 2 682 840+190%
2014 q1 8 722+25% -4 632+15% 4 090+37% -1 215+11% 2 874+52% 929+36% 5 018+37% -139+56% 790+33% 1 060<-100% 6<-100%   -1 788+29% 1 947+42% -271-8% 1 676+55% 763-30% 912<-100%
2013 q4 ( 311 , 312 ) 8 351+17% -4 533+12% 3 818+23% -1 141-21% 2 677+62% 934+14% 4 752+21% -133+13% 800+14% 751-24% 78   -1 923+146% 3 874>+200% -794>+200% 3 079>+200% 2 478<-100% 602-14%
2013 q3 -14 520 287+8% 8 380 767+13% -6 139 520+3% 2 232 110-33% -3 907 410+48% -1 430 984+17% -7 570 504+5% 206 992+9% -1 223 993+18% -1 180 353>+200% -36 605<-100%   2 904 721+5% -2 556 776>+200% 557 245>+200% -1 999 531>+200% -1 076 434>+200% -923 098>+200%
2013 q2 14 535 763+8% -8 389 676+13% 6 146 087+3% -2 234 369-33% 3 911 718+48% 1 432 540+17% 7 578 626+5% -207 264+9% 1 225 276+18% 1 182 270>+200% 36 698<-100%   -2 907 907+6% 2 560 012>+200% -557 945>+200% 2 002 067>+200% 1 077 466>+200% 924 602>+200%
2013 q1 7 005+9% -4 018+15% 2 987+2% -1 095-38% 1 892+64% 683+22% 3 671+5% -89+15% 594+23% -13<-100% -17<-100%   -1 390+2% 1 374>+200% -294>+200% 1 080>+200% 1 090<-100% -11<-100%
2012 q4 7 155+9% -4 054+23% 3 101-6% -1 446-25% 1 655+22% 822+13% 3 923-2% -118-16% 705+20% 983-52%     -783-50% 562+66% -188+106% 373+51% -324-77% 697-58%
2012 q3 -13 399 734<-100% 7 447 115<-100% -5 952 619<-100% 3 317 698<-100% -2 634 921<-100% -1 223 749<-100% -7 176 368<-100% 189 639<-100% -1 034 109<-100% -315 768<-100% 1 285 851<-100%   2 753 418<-100% -345 193<-100% 108 770<-100% -236 423<-100% -20 123<-100% -216 300<-100%
2012 q2 13 413 517>+200% -7 454 941>+200% 5 958 577>+200% -3 320 874>+200% 2 637 702>+200% 1 225 121>+200% 7 183 697>+200% -189 849>+200% 1 035 272>+200% 316 289>+200% -1 286 783>+200%   -2 754 334>+200% 346 222>+200% -108 992>+200% 237 230>+200% 20 509>+200% 216 721>+200%
2012 q1 6 423+5% -3 499+23% 2 923-11% -1 768+138% 1 156-54% 559+12% 3 483-8% -77+30% 482+10% 203-46% 16<-100%   -1 360+43% 192-92% -69-82% 123-94% -7<-100% 130-59%
2011 q4 6 578+11% -3 293+13% 3 284+10% -1 926<-100% 1 358-61% 727+15% 4 011+11% -139+40% 588+10% 2 067>+200% 1 406+26%   -1 569+37% 339-85% -91-81% 247-86% -1 417<-100% 1 664>+200%
2011 q3 6 587+15% -3 039+9% 3 548+20% -721-28% 2 827+43% 607+29% 4 155+21% -82+54% 525+26% 128+19% -1 368+27%   -1 368+29% 1 415+10% -273+139% 1 143-3% 1 040-1% 102-12%
2011 q2 6 491+6% -2 971-5% 3 520+18% -221-81% 3 299+82% 600+23% 4 120+18% -100+65% 500+17% 884>+200% -137<-100%   -1 379+46% 3 063+184% -658+119% 2 405>+200% 1 700+154% 705>+200%
2011 q1 6 121-6% -2 853-16% 3 268+6% -742-75% 2 526>+200% 499+20% 3 766+8% -60-25% 439+30% 373+86% -6<-100%   -951+29% 2 470>+200% -380+181% 2 090>+200% 1 775>+200% 315+118%
2010 q4 5 904>+200% -2 926<-100% 2 978+76% 477-82% 3 455-21% 634+30% 3 612+66% -100<-100% 535+6% 206<-100% 1 119-99%   -1 142+12% 2 287+54% -472+48% 1 815+56% 1 653-39% 162<-100%
2010 q3 5 746<-100% -2 778<-100% 2 969<-100% -998<-100% 1 971<-100% 470<-100% 3 438<-100% -53<-100% 417<-100% 108<-100% -1 081-99%   -1 058<-100% 1 287<-100% -114<-100% 1 173<-100% 1 056<-100% 117<-100%
2010 q2 6 112-1% -3 119-19% 2 993+31% -1 185-50% 1 808<-100% 487+1% 3 480+26% -61-44% 426+14% 148>+200% 11<-100%   -943+31% 1 078<-100% -301<-100% 777<-100% 670<-100% 107-83%
2010 q1 6 497+91% -3 412+92% 3 085+90% -2 993>+200% 92-93% 416-6% 3 501+70% -790% 337-7% 201+52% 12<-100%   -740+12% 485-42% -135-32% 350-45% 205-62% 145+44%
2009 q4 1 088<-100% 603<-100% 1 691<-100% 2 695<-100% 4 386<-100% 489<-100% 2 180<-100% 16<-100% 506<-100% -2 031<-100% 96 728-96%   -1 016<-100% 1 483<-100% -318<-100% 1 165<-100% 2 730<-100% -1 564<-100%
2009 q3 18 816 700>+200% -11 457 639>+200% 7 359 061>+200% -7 769 320>+200% -410 259<-100% 1 372 621>+200% 8 731 681>+200% -314 201+194% 1 058 420>+200% 1 226 618>+200% -96 156<-100%   -2 180 622+175% 344 795-61% -70 839-68% 273 956-58% -700 055<-100% 974 010>+200%
2009 q2 6 154+57% -3 869+102% 2 285+13% -2 384>+200% -99<-100% 481+31% 2 767+16% -108+2% 373+42% 14-89% -711   -718-1% -342<-100% 53<-100% -289<-100% -909<-100% 620>+200%
2009 q1 3 395 -1 773 1 622 -379 1 243 444 2 066 -79 364 132 -7   -661 838 -199 640 539 101
2008 q4 -13 136 679 6 511 043 -6 625 636 1 644 587 -4 981 048 -1 185 677 -7 811 312 320 685 -864 992 -492 381 2 178 260   2 371 360 -2 641 734 673 275 -1 968 459 -1 601 551 -366 908
2008 q3 4 385 270 -2 173 557 2 211 713 -549 334 1 662 379 395 797 2 607 510 -107 005 288 793 164 581 65 053   -791 580 881 860 -224 782 657 078 534 448 122 630
2008 q2 3 931 -1 914 2 017 -331 1 686 368 2 385 -105 263 123     -729 1 168 -291 878 785 92
2008 q1                                    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 221 619+10% 1 353 333+30% 961 318+33% 148 796+20% 359 952+50%
2025 q2 212 872+13% 1 252 641+17% 663 066+19% 136 356+13% 266 516+4%
2025 q1 216 974+16% 1 143 318+13% 766 802+7% 118 778-16% 259 291+7%
2024 q4 201 445+16% 1 137 432+8% 791 262+14% 126 874-12% 274 674+9%
2024 q3 200 724+17% 1 037 777+7% 723 922+9% 123 582-5% 240 1050%
2024 q2 187 771+15% 1 074 800+25% 556 612+24% 120 209-9% 256 044+10%
2024 q1 186 909+17% 1 012 528+21% 714 914+21% 142 092+3% 243 379-4%
2023 q4 173 892 1 057 302 695 570+26% 143 365+40% 250 858-20%
2023 q3 170 960 965 981 661 605+20% 130 463+28% 241 257-23%
2023 q2 163 021 861 288 449 000+8% 132 662+30% 232 139-26%
2023 q1 159 318 836 670 590 505+7% 138 234+35% 252 759-19%
2022 q4     553 581 102 045 312 974
2022 q3     553 581+14% 102 045+23% 312 974+54%
2022 q2     416 685<-100% 102 045-99% 312 974<-100%
2022 q1     553 581<-100% 102 045<-100% 312 974<-100%
2021 q3 98 042+13% 770 884+7% 483 736+10% 83 182+5% 203 302+2%
2021 q2 93 899 879+12% 737 761 136+10% 489 692 798+27% 15 142 347-82% 215 170 657+24%
2021 q1 91 111 274>+200% 731 005 517>+200% 460 743 564>+200% 84 149 840>+200% 214 122 051>+200%
2020 q4 ( 251 , 252 , 253 , 254 , 255 ) 79 370+5% 673 6510% 396 092+7% 98 712+22% 161 376+2%
2020 q3 86 537+10% 720 767+10% 441 267+10% 78 911+5% 199 828-51%
2020 q2 83 683 382>+200% 671 365 858>+200% 384 394 787>+200% 81 899 009>+200% 173 258 247>+200%
2020 q1 81 644<-100% 668 651<-100% 421 607<-100% 86 714<-100% 169 916<-100%
2019 q4 ( 259 , 260 , 261 , 262 , 263 ) 75 654+7% 673 403+11% 371 152+5% 80 647-29% 157 692-55%
2019 q3 78 822+6% 655 946+7% 401 876+9% 75 325-35% 409 592+10%
2019 q2 76 714<-100% 657 548<-100% 349 559<-100% 124 843<-100% 393 253<-100%
2019 q1 76 020 135>+200% 650 846 601>+200% 383 020 077>+200% 97 953 984>+200% 397 036 019>+200%
2018 q4 ( 267 , 268 ) 70 910+16% 606 859+5% 353 155+1% 113 435+8% 352 972+1%
2018 q3 74 097 613 050-98% 367 566-98% 116 516-99% 372 979-98%
2018 q2 72 030 546+12% 602 133 397+8% 342 134 906+6% 152 234 789>+200% 354 668 816+12%
2018 q1 70 467+13% 470 099+28% 335 729+33% 203 698+37% 429 134+6%
2017 q4 ( 275 , 276 ) 60 8690% 580 2880% 348 0830% 105 4040% 349 9450%
2017 q3   24 802 725>+200% 16 132 011>+200% 9 198 037>+200% 23 636 440>+200%
2017 q2 64 051 658+8% 559 683 571-3% 322 435 768-3% 25 519 932+74% 315 405 976-5%
2017 q1 62 236 367 642-4% 252 785-16% 149 141-19% 403 296+10%
2016 q4 ( 284 , 285 , 286 ) 60 869+7% 580 288+3% 348 083-6% 105 404-5% 349 945+7%
2016 q3   385 653+9% 252 744+3% 174 893+25% 367 788+4%
2016 q2 59 111 572+9% 574 574 986+10% 332 140 224+1% 14 699 395-82% 331 833 506+11%
2016 q1   384 408+5% 299 385+8% 183 046+58% 365 330+2%
2015 q4 ( 293 , 294 , 295 , 296 ) 56 783+11% 562 535+8% 370 425+7% 111 357+129% 325 962+6%
2015 q3 55 741 353 166-2% 244 691+9% 140 460+17% 352 746+7%
2015 q2 54 429 247+8% 520 263 591+18% 330 331 619+26% 80 009 753+18% 298 506 152+15%
2015 q1 53 248+8% 367 164+9% 276 162+26% 115 542-9% 357 194+8%
2014 q4 ( 305 , 306 ) 51 294+8% 521 600+27% 344 603+33% 48 604-33% 308 482+22%
2014 q3 ( 307 , 308 )   362 029+15% 224 901+2% 120 411+10% 330 182+4%
2014 q2 50 232 264+21% 439 698 373+17% 262 975 411+7% 67 606 648+18% 259 403 146+7%
2014 q1 49 275+20% 337 607+21% 218 834+12% 127 326+21% 329 516+14%
2013 q4 ( 311 , 312 ) 47 676+18% 409 422+17% 259 501+15% 72 646+44% 253 127+14%
2013 q3 46 005+14% 314 412+18% 220 188+10% 109 431+30% 316 858+14%
2013 q2 41 386 551>+200% 374 246 968>+200% 245 734 628>+200% 57 437 245>+200% 242 238 309>+200%
2013 q1 41 146+2% 278 938+1% 195 508+2% 105 554+6% 288 543+7%
2012 q4 40 318+1% 351 366+6% 225 278+6% 50 307-1% 222 797-2%
2012 q3 40 206+11% 266 056+9% 199 822+18% 84 455-4% 277 621+11%
2012 q2 39 512+22% 340 588+17% 225 602+12% 61 196+22% 217 866+8%
2012 q1 40 148+31% 276 172+22% 191 930+20% 99 585+25% 268 927+20%
2011 q4 40 023+40% 330 033+21% 212 906+9% 51 053+37% 226 703+18%
2011 q3 36 139+35% 244 386+27% 169 085+23% 87 592+51% 249 797+28%
2011 q2 32 269+26% 292 056+22% 201 945+27% 50 222+82% 201 942+22%
2011 q1 30 655+20% 226 731+33% 159 536+28% 79 452+40% 224 828+16%
2010 q4 28 564+13% 272 609+16% 195 216+19% 37 229+24% 191 808+9%
2010 q3 26 751<-100% 192 816<-100% 137 908<-100% 57 990<-100% 195 805<-100%
2010 q2 25 577+37% 239 460+12% 158 6660% 27 531+68% 166 176+17%
2010 q1 25 635+34% 170 345+26% 124 474-11% 56 795>+200% 193 859+49%
2009 q4 25 285 235 606 164 0680% 29 986+56% 175 990+26%
2009 q3 18 933 244 150 247 957 125 737 838+71% 27 316 267+100% 143 680 960+58%
2009 q2 18 608 214 035 159 254-3% 16 354-15% 141 597+1%
2009 q1 19 066 134 753 139 135+79% 12 278-5% 130 239+48%
2008 q4     164 058 19 265 139 824
2008 q3     73 364 944 13 678 237 90 959 273
2008 q2     164 058 19 265 139 824
2008 q1     77 704 12 923 87 931


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q3      
2025 q2      
2025 q1      
2024 q4      
2024 q3      
2024 q2      
2024 q1      
2023 q4      
2023 q3      
2023 q2      
2023 q1      
2022 q4      
2022 q3      
2022 q2      
2022 q1      
2021 q3 33 171 806<-100% -8 778 403<-100% 3 333 522+117%
2021 q2 -27 188 969<-100% 8 500 047>+200% -2 711 094>+200%
2021 q1 -6 002 275<-100% 293 423<-100% -626 223-16%
2020 q4 ( 251 , 252 , 253 , 254 , 255 ) 18 320<-100% 1 081-35% -2 337-17%
2020 q3 -28 106 593-52% 11 094 054-50% 1 533 748-86%
2020 q2 15 473 846-73% 240 122<-100% -793 709-92%
2020 q1 12 643 223>+200% -11 346 320<-100% -742 260-53%
2019 q4 ( 259 , 260 , 261 , 262 , 263 ) -14 677<-100% 1 655<-100% -2 815<-100%
2019 q3 -58 249 329<-100% 22 313 844<-100% 10 981 336>+200%
2019 q2 58 280 158>+200% -22 317 666>+200% -9 424 909<-100%
2019 q1 8 590<-100% 343<-100% -1 568 466+62%
2018 q4 ( 267 , 268 ) 4 055<-100% -13 261<-100% 5 258<-100%
2018 q3 5 052+164% -5 862<-100% 168<-100%
2018 q2 10 778 020+78% -5 533 578<-100% 968 127<-100%
2018 q1 -10 786 421 5 545 391 -970 757
2017 q4 ( 275 , 276 ) -3 034 808-40% -4 260 547<-100% 1 394 820
2017 q3 1 915 6 159 -1 875
2017 q2 6 055 868-61% 8 530 266<-100% -2 790 082+185%
2017 q1      
2016 q4 ( 284 , 285 , 286 ) -5 096 348<-100% 396 378<-100%  
2016 q3      
2016 q2 15 348 110+64% -1 173 804-90% -977 529-57%
2016 q1      
2015 q4 ( 293 , 294 , 295 , 296 ) 1 111 151>+200% -312 785>+200% 750 895<-100%
2015 q3      
2015 q2 9 353 366-17% -11 758 264<-100% -2 268 299+109%
2015 q1      
2014 q4 ( 305 , 306 ) 14 160 -9 451 -2 634
2014 q3 ( 307 , 308 )      
2014 q2 11 288 127 1 032 306 -1 085 624
2014 q1      
2013 q4 ( 311 , 312 )      
2013 q3      
2013 q2      
2013 q1      
2012 q4 2 252-75% 1 557<-100% 1 136<-100%
2012 q3      
2012 q2 -1 868<-100% -59-96% -967-15%
2012 q1      
2011 q4 8 955<-100% -702+52% -1 928<-100%
2011 q3      
2011 q2 2 969+54% -1 398+121% -1 143<-100%
2011 q1      
2010 q4 -12 013>+200% -460-69% 5 125<-100%
2010 q3      
2010 q2 1 933>+200% -632+32% 2 097>+200%
2010 q1 1 933 -632 2 097
2009 q4 -940<-100% -1 496+137% -639<-100%
2009 q3      
2009 q2 43 -478 530
2009 q1      
2008 q4 6 396 -631 518
2008 q3      
2008 q2      
2008 q1      
RSBU data *The values are shown in mln. The % change shows the difference from the same period last year

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Income


Q Revenue Net income
 
2025 q3    
2024 q4    
2024 q3    
2023 q4    
2022 q4    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3          
2024 q4          
2024 q3          
2023 q4          
2022 q4          
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Potential and Created Value,
commodities affecting the company