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General information

Largest state bank with quite ok corporate governance and digital development strategy. Lately interest incomes stagnate or decrease, which is partially offset by commission and other non-banking incomes. Financials grow slowed down recently
  • Pretty weak financial results growth rate 9.3% (average between last period year over year growth for revenue and Net Income), there is slowdown compared to average historical growth rates (38.2%)
  • Dividend yield for the last twelve months 11.6%
  • Share price is 112.5% higher than minimum and 8.7% lower than maximum for the last 3 years
  • The company is undervalued by P/E LTM multiple compared to target level (4.1x vs
    )
  • Fundamental value created in LTM (estimate)

Key Financials (Download financials)

Ticker: SBER
Share price, RUB:  (0.0%)299.9
year average price 303.00  


year start price 280.90 2025-01-01

min close price 271.80 2025-01-09

max close price 326.89 2025-07-17

current price 299.90 2025-12-31
Share price (preferred), RUB:  (-0.1%)299.01
Common stocks: 21 586 950 000
Dividend Yield:  11.6%
P / E LTM: 4.1x
P / E annualized: 3.8x
Last revenue growth (y/y):  9.6%
Last growth of Net Income (y/y):  9.0%
Historical revenue growth:  12.8%
Historical growth of Net Income:  63.7%
Target P/E (hist percentile):
Fundamental value created in LTM:
Fundamental value created in LTM:
 Mult Upside+4.1%
 FCF Creation0.0%
 Growth+9.3%
 Growth Corr-28.9%
 
 Sum-15.5%
P/E mutiple calculation
Market Cap (m RUB): 6 772 936
Net Profit (m RUB): 1 660 400
P / E LTM: 4.1x
Average daily trading volume for the week, RUB mln: 5754
P / E 4.1x
P / E ann-d3.8x
P / B 0.9x
Рассчитаны в тестовом режиме, annualized:
ROE (Return on equity) 23.2%
ROA (Return on assets) 2.8%

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

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 2 388 700+24% -1 495 100+28% 893 600+17% -170 500+50% 723 100+11% 315 600+3% 1 209 200+13% -99 100+12% 216 500-1% 31 300<-100% -211 300+55% 135 200+1% -308 600+13% 595 900+6% -147 600-2% 448 300+9% 424 753-5% 23 547<-100%
2025 q2 2 417 500+44% -1 575 700+63% 841 800+18% -211 500+73% 630 300+7% 297 200+3% 1 139 000+14% -102 200+27% 195 000-7% 68 400<-100% -232 300+70% 133 400+1% -292 900+16% 541 300+4% -118 400+16% 422 900+1% 369 461-16% 53 439<-100%
2025 q1 2 406 900+52% -1 574 500+79% 832 400+19% -153 300>+200% 679 100+4% 272 900+6% 1 105 300+16% -69 700-4% 203 200+10% 32 200>+200% -237 400+27% 136 000+18% -262 100+15% 575 200+13% -139 100+25% 436 100+10% 411 687+5% 24 413>+200%
2024 q4 ( 9552 , 14830 , 14902 ) 2 308 400+59% -1 484 000+108% 824 400+12% -159 500>+200% 664 900-3% 319 300+3% 1 143 700+9% -88 200-12% 231 100+10% 42 700<-100% 3 208 100<-100% 123 900+33% -308 000+94% 443 300-7% -90 200-24% 353 100-2% 321 351-31% 31 749<-100%
2024 q3 1 933 900+67% -1 171 800+141% 762 100+14% -113 300>+200% 648 800+2% 306 400+10% 1 068 500+13% -88 200+5% 218 200+12% -46 300>+200% -136 700>+200% 133 600 -274 300-9% 561 500+8% -150 400+36% 411 1000% 444 998+7% -33 898>+200%
2024 q2 1 681 900+70% -968 700+149% 713 200+19% -122 300+38% 590 900+16% 289 800+13% 1 003 000+17% -80 300+15% 209 500+12% -25 000<-100% -136 300>+200% 132 500 -252 700+2% 521 100+4% -102 400-16% 418 700+10% 438 787+33% -20 087<-100%
2024 q1 1 580 100+73% -880 200+152% 699 900+24% -47 700-26% 652 200+31% 256 600+13% 956 500+21% -72 500+29% 184 100+8% 5 100-88% -186 200>+200% 115 500 -227 600+5% 508 700+6% -111 300-10% 397 400+11% 393 416+21% 3 984-87%
2023 q4 1 451 200+20% -714 900+53% 736 300+68% -49 900-61% 686 400+122% 311 100+31% 1 047 400+55% -100 700+61% 210 400+20% -139 800-23% -576 600>+200% 92 950 -158 900-26% 479 000>+200% -119 300>+200% 359 700<-100% 464 789>+200% -105 089+18%
2023 q3 ( 7432 , 9277 ) 1 154 600-4% -486 700+4% 667 900+53% -32 200-75% 635 700+106% 279 800+18% 947 700+40% -84 300+35% 195 500+12% -6 400-96% -1 900-97%   -301 200+41% 521 700>+200% -110 300>+200% 411 400<-100% 416 447>+200% -5 047-94%
2023 q2 ( 6800 , 9276 ) 986 700 -389 100 597 600 -88 900 508 700 256 700 854 300 -69 800 186 900 66 900 -12 600   -247 300 502 600 -122 300 380 300 329 679 50 621
2023 q1 912 700>+200% -349 900-12% 562 8000% -64 4000% 498 4000% 227 1000% 789 9000% -56 0000% 171 1000% 42 100+58% -13 200   -217 000+19% 481 4000% -124 2000% 357 2000% 325 962-3% 31 238+58%
2022 q4 1 207 100+68% -468 267+61% 437 333+2% -128 567>+200% 308 767-23% 237 833+2% 675 167+2% -62 500-25% 175 333+18% -181 133>+200% -55 375<-100%   -213 367-12% 27 767-92% -8 900-87% -28 900<-100% 60 197-78% -89 097>+200%
2022 q3 1 207 100+69% -468 267+92% 437 333-7% -128 567>+200% 308 767-29% 237 833-2% 675 167-5% -62 500-20% 175 333+7% -181 133<-100% -56 125+98%   -213 367+2% 27 767-92% -8 900-87% -28 900<-100% 60 197-82% -89 097<-100%
2022 q2                                    
2022 q1 55 800-91% -397 500+103% 562 800+34% -64 400+46% 498 400+32% 227 100+16% 789 900+28% -56 000-8% 171 100+27% 26 600-50%     -181 900+1% 481 400+28% -124 200+71% 357 200+17% 337 463+29% 19 737-54%
2021 q4 718 800+20% -290 000+51% 428 800+5% -28 600-53% 400 200+15% 232 100+6% 660 900+5% -83 600+24% 148 500-2% -9 000<-100% 40 000<-100%   -242 800+8% 329 700+19% -68 000+47% 267 800+33% 272 494+34% -4 694>+200%
2021 q3 713 900+19% -244 300+30% 469 600+14% -35 700-44% 433 900+25% 242 900+18% 712 500+16% -78 600+36% 164 300+11% 4 800-79% -28 400+3%   -210 100+21% 351 900+6% -70 100+4% 348 300+28% 343 549+36% 4 751-75%
2021 q2 649 400+9% -209 900+7% 439 500+10% -30 200-76% 409 300+50% 228 500+39% 668 000+19% -71 400+59% 157 100+31% 29 700-25% -25 200-19%   -201 600+17% 396 300+90% -78 700+86% 325 300+95% 300 921+123% 24 379-23%
2021 q1 617 000+6% -195 500-8% 421 500+13% -44 200-68% 377 300+61% 195 100+10% 616 600+12% -60 800+19% 134 300+6% 53 000<-100% -28 800<-100%   -179 900+7% 377 300+139% -72 500+95% 304 500+153% 261 726+83% 42 774<-100%
2020 q4 599 600-1% -191 600-19% 408 000+10% -60 800+71% 347 200+3% 218 500+9% 626 500+9% -67 300+27% 151 200+2% 1 100-96% -391 200>+200% 18 300+24% -224 300-4% 276 200+5% -46 200-7% 201 700-5% 202 869+4% -1 169<-100%
2020 q3 599 400-1% -188 100-24% 411 300+16% -63 300+107% 348 000+8% 205 400+13% 616 700+15% -57 700+11% 147 700+14% 23 400<-100% -27 500>+200% 15 700+60% -174 200+4% 333 300+17% -67 700+23% 271 400+74% 252 346+58% 19 054<-100%
2020 q2 594 800-2% -196 300-22% 398 500+13% -126 500>+200% 272 000-21% 164 900+1% 563 400+9% -44 900-4% 120 000+3% 39 600+124% -31 300>+200% 13 500+105% -172 0000% 208 900-32% -42 200-31% 166 700-33% 135 100-43% 31 600+119%
2020 q1 583 400+1% -211 500-13% 371 900+10% -138 000>+200% 233 900-27% 177 400+25% 549 300+15% -51 000+31% 126 400+23% -29 900<-100% 10 700<-100% 8 400+47% -168 000+11% 157 700-44% -37 200-36% 120 500-47% 143 347-36% -22 847<-100%
2019 q4 607 500+6% -236 500+62% 371 000+5% -35 500+69% 335 500+1% 201 300+19% 572 300+9% -53 000+4% 148 300+25% 26 400<-100% -5 800<-100% 14 800<-100% -234 800+15% 261 900+13% -49 900-2% 212 000+20% 195 199+1% 16 801<-100%
2019 q3 602 600+8% -248 700+25% 353 900-2% -30 600-30% 323 300+2% 182 100+18% 536 000+4% -52 100+26% 130 000+15% -6 600-65% -1 700<-100% 9 800+27% -167 400+8% 285 700+4% -54 900-2% 156 100-32% 159 706-34% -3 606-77%
2019 q2 605 500+13% -252 400+35% 353 100+1% -9 200-23% 343 900+2% 163 700+9% 516 800+3% -47 000+21% 116 700+4% 17 700<-100% -5 100<-100% 6 600-31% -171 700+13% 307 100+18% -61 200+18% 250 300+16% 235 874-6% 14 426<-100%
2019 q1 580 400+11% -242 900+30% 337 500+1% -17 300-14% 320 200+2% 141 800+14% 479 300+5% -38 900+32% 102 900+9% 3 700-57% -5 400<-100% 5 700-49% -150 700+3% 284 000+1% -57 900+3% 226 600+7% 223 648+9% 2 952-55%
2018 q4 574 300+76% -146 000+21% 354 700<-100% -21 000-68% 333 700<-100% 169 600+42% 524 300<-100% -50 800+99% 118 800+26% -24 000-18% 14 100-83% -64 600<-100% -204 800+31% 231 600+3% -50 900+12% 176 200<-100% 192 780+9% -16 580<-100%
2018 q3 557 700-68% -198 400-68% 359 300-97% -43 700 315 600-97% 154 300 513 600-95% -41 400 112 900 -18 600<-100% 11 600-72% 7 700+100% -155 100 273 400 -56 300+2% 228 100-43% 243 618 -15 518
2018 q2 535 300>+200% -186 300 349 000-5% -12 000 337 000-9% 150 700 499 700+35% -38 700 112 000 -43 300+19% 5 000+108% 9 500+100% -151 700 260 100 -51 800-5% 215 300-8% 251 142 -35 842
2018 q1 521 000 -187 500 333 500+3% -20 100 313 400-4% 123 900 457 400+41% -29 500 94 400 8 600-76% 1 100 11 200+100% -146 000 281 100 -56 000+75% 212 100+80% 205 611 6 489
2017 q4 326 250 -120 167 -10 353 000>+200% -65 950 -10 616 800>+200% 119 750 -9 874 000<-100% -25 475 94 275 -29 400-16% 85 450 38 800 -155 850 225 775 -45 400 -3 600-98% 177 289 9 886
2017 q3 1 737 500-85% -625 500-18% 11 007 600>+200%   11 007 600>+200%   11 007 600>+200%     77 400>+200% 41 400<-100% 0     -55 300+66% 400 100+79%    
2017 q2 9 000-99%   369 200>+200%   369 200+11%   369 200+106%     -36 300<-100% 2 400<-100% 00%     -54 800+141% 234 500+78%    
2017 q1     325 000-2%   325 000-2%   325 000     36 000+4%   0     -32 000 117 700-11%    
2016 q4     -19 600<-100%   -247 000>+200%   156 400-73%     -35 200<-100%           -190 500<-100%    
2016 q3 11 803 600+1% -760 100-21% 375 000+42%   342 800+157%   375 000+3%     10 100-23% -169 600>+200%       -33 300+24% 224 100+64%    
2016 q2 1 132 500+74% -209 750+28% 25 200-82%   332 400-3%   178 800>+200%     27 800+48% -82 800<-100% 0     -22 750+11% 131 550+141%    
2016 q1 9 500-98%   332 400+66%   332 400>+200%         34 500-61%           131 550>+200%    
2015 q4 ( 2187 , 2188 ) 1 687 400>+200% -455 400<-100% 297 200-45% -114 900+28% -47 900-21% 100 500+8% 582 100-24% -16 700+15% 83 800+6% 81 500<-100% 170 400>+200%   -169 150+9% 94 6500% -41 600-4% 72 600+48% 27 510-75% 36 090<-100%
2015 q3 11 680 700>+200% -962 000>+200% 263 400+3% -130 100+24% 133 300-12% 99 200+33% 362 600+10% -17 300+66% 81 900+28% 13 100<-100% -6 800<-100%   -145 400+9% 92 000+1% -26 900+35% 137 000+93% 53 920-42% 11 180<-100%
2015 q2 650 600-6% -163 800-66% 139 000<-100%   342 400-16%   55 100<-100%     18 800-1% 20 100<-100%       -20 500<-100% 54 600-44%    
2015 q1 561 900+36% -361 600+107% 200 300-16% -115 300+50% 85 000-48% 83 900+23% 284 200-8% -14 400+85% 69 500+15% 87 400<-100% 900<-100%   -139 700+15% 49 900-47% -19 300-10% 30 600-58% -22 996<-100% 53 596<-100%
2014 q4 272 000-65% 47 000<-100% 537 400>+200% -89 900+167% -60 800-99% 93 350+47% 769 400+79% -14 500+79% 78 850+43% -108 800>+200% 34 400<-100%   -155 000+23% 94 550-17% -43 500+86% 49 000-42% 108 097+15% -34 847>+200%
2014 q3 459 400+80% -204 200>+200% 255 200+3% -104 500 150 700-97% 74 400 329 600+33% -10 400 64 000 -27 800<-100% 6 900   -133 300 90 800 -19 900 70 900-24% 92 607 -21 707
2014 q2 692 300+177% -486 400>+200% -12 500<-100%   405 900<-100%   -80 900<-100%     18 900<-100% -8 300       900 97 500+13%    
2014 q1 414 200+107% -174 600>+200% 239 600+24% -77 100 162 500-19% 68 400 308 000+59% -7 800 60 600 -33 300<-100% -2 500   -121 800 94 300 -21 400 72 900 98 643 -25 743
2013 q4 773 100+179% -596 400 176 700-30% -33 725 -4 776 500<-100% 63 425 430 400>+200% -8 100 55 325 -17 400+76% -5 000   -126 050 113 925 -23 425 84 050 93 956 -3 456
2013 q3 255 200>+200% -7 000 248 200>+200%   5 503 800>+200%   248 200>+200%     24 100+100%           93 800+14%    
2013 q2 250 3000% -7 000-93% 243 300-5%   -200 000<-100%   243 300+20%     -26 100<-100%           86 000+3%    
2013 q1 200 000+28% -6 000+7% 194 000+29%   200 000-36%   194 000     2 000-9%                
2012 q4 ( 2200 , 2201 ) 277 100   254 100+37%   683 000>+200%   18 629-92%     -9 900<-100%                
2012 q3 ( 2202 , 2203 ) 21 000-91%   21 000-87% -177 073>+200% 45 369-72% 37 614+28% 21 000-89%   39 414+15% 0+100% 1 196 568>+200%     112 7500%   82 564+8% 81 114-3% 1 450<-100%
2012 q2 249 600+22% -103 200+47% 255 200+90% -4 200<-100% 163 700+16% 46 100+25% 202 950+19% -3 600+44% 42 500+23% 1 800-80% 8 100-19%   -109 200+30% 112 700+1% -29 600+36% 83 100-7% 73 809-10% 9 291+28%
2012 q1 156 300-21% -5 600-92% 150 700+16% 159 500>+200% 310 200+115%         2 200-45% 3 200-57%              
2011 q4 ( 2206 , 2207 )     185 742+13% -23 698<-100% 162 044-7% 40 444+37% 226 186+16%   40 444+18% 3 256<-100% 5 865-62%     68 188-35%   44 899-28% 42 559-43% 2 341<-100%
2011 q3 226 751+19%   166 284+42% -3 495-91% 162 789+115% 29 437-11% 195 721+31%   34 144+10% -8 347<-100% 5 033+66%     112 619+98%   76 304+68% 83 224+127% -6 919<-100%
2011 q2 204 100+6% -70 100-9% 134 000+17% 7 400<-100% 141 400+145% 37 000+13% 171 000+16% -2 500+60% 34 500+10% 9 000+80% 10 000>+200%   -83 900+25% 111 100>+200% -21 700>+200% 89 400>+200% 82 158>+200% 7 242+85%
2011 q1 197 760-5% -67 836-14% 129 924+1% 14 062<-100% 143 986+96% 31 858+19% 161 782+4% -2 207+82% 29 651+16% 3 994+89% 7 501>+200%   -76 244+24% 107 736+99% -20 959+98% 86 777+100% 83 560+100% 3 217+89%
2010 q4 ( 2211 , 2212 ) 236 143+7% -70 619-9% 164 833+16% 8 721<-100% 173 554+166% 29 505-5% 194 338+189% -2 573+75% 34 3070% -14 660<-100% 15 316+160%   -86 946+36% 104 454+67% -20 758 62 522+121% 74 465+128% -11 943+178%
2010 q3 190 214-8% -73 468-3% 116 746-11% -41 069-62% 75 677>+200% 33 176+22% 149 922-5% -2 025+82% 31 151+20% 10 911+184% 3 024>+200%   -67 318+21% 56 754>+200% -11 464>+200% 45 290>+200% 36 583>+200% 8 707+183%
2010 q2 191 908-8% -77 063-3% 114 845-11% -57 210-44% 57 635+112% 32 799+32% 147 644-4% -1 567+53% 31 232+31% 4 990<-100% 3 021-9%   -66 964+18% 26 476>+200% -5 654>+200% 20 822>+200% 16 898+183% 3 924<-100%
2010 q1 207 829+7% -78 675-1% 129 154+12% -55 667-39% 73 487>+200% 26 801+16% 155 955+13% -1 210+18% 25 591+16% 2 115-75% 1 988-40%   -61 391+16% 54 106>+200% -10 611 43 495>+200% 41 795<-100% 1 700-88%
2009 q4 ( 2216 , 2217 ) 220 850+39% -77 427 142 273+44% -76 921+127% 65 352+1% 31 004 67 235-32% -1 469 34 169 11 719+61% 5 880+184%   -64 133 62 388+61%   28 318+1% 32 615+43% -4 297<-100%
2009 q3 207 302 -76 089 131 213 -107 679 23 534 27 162 158 375 -1 111 26 051 3 842 848   -55 422 5 297 -1 051 4 246 1 166 3 080
2009 q2 208 126 -79 093 129 033 -101 792 27 241 24 783 153 816 -1 026 23 757 -678 3 338   -56 593 6 700 -1 273 5 427 5 976 -549
2009 q1 195 118 -79 636 115 482 -91 200 24 282 23 093 138 575 -1 028 22 065 8 527 3 318   -53 129 359   583 -13 264 13 847
2008 q4 159 076   98 628 -33 857 64 771   98 628     7 259 2 074     38 765   28 125 22 858 5 267


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q3 7 722 400+17% 64 473 800+9% 46 088 200+8% 9 814 800+21% 47 877 200+12%
2025 q2 7 267 300+16% 61 468 600+11% 43 824 300+9% 9 387 900+17% 46 133 600+13%
2025 q1 7 479 100+11% 60 107 400+13% 43 307 200+14% 8 542 500+3% 45 273 100+17%
2024 q4 ( 9552 , 14830 , 14902 ) 7 025 700+9% 60 855 100+16% 43 841 900+17% 7 017 700-15% 44 622 700+22%
2024 q3 6 602 000+9% 59 002 000+20% 42 724 900+19% 8 100 600+1% 42 861 700+23%
2024 q2 6 267 000+9% 55 427 600+20% 40 085 400+22% 8 049 500+2% 40 845 400+24%
2024 q1 6 754 000+13% 53 105 000+21% 38 105 700+24% 8 272 800+7% 38 577 000+28%
2023 q4 6 434 000+14% 52 307 200+25% 37 558 300+28% 8 222 100+10% 36 693 600+23%
2023 q3 ( 7432 , 9277 ) 6 050 500 49 267 100 35 991 300+23% 8 044 700-2% 34 840 600+17%
2023 q2 ( 6800 , 9276 ) 5 769 600 46 143 700 32 867 700 7 862 800 32 869 800
2023 q1 5 965 300 43 827 100 30 707 200 7 749 500 30 109 200
2022 q4 5 664 700+3% 41 871 800+2% 29 373 400+8% 7 481 600+49% 29 875 900+6%
2022 q3     29 373 400+13% 8 222 700+78% 29 875 900+3%
2022 q2          
2022 q1          
2021 q4 5 488 600+12% 41 165 500+14% 27 095 500+16% 5 016 900-11% 28 312 400+10%
2021 q3 5 319 600+13% 39 584 000+13% 25 939 600+13% 4 614 6000% 28 879 800+15%
2021 q2 4 986 800+3% 37 936 400+17% 24 652 600+16% 4 730 500+19% 27 855 500+19%
2021 q1 5 104 500+11% 37 500 400+17% 23 873 900+11% 4 278 400+11% 26 997 600+17%
2020 q4 4 894 800+9% 36 016 000+20% 23 386 400+15% 5 624 400+34% 25 765 700+19%
2020 q3 4 687 300+10% 35 123 800+16% 22 946 800+16% 4 624 000+27% 25 152 100+13%
2020 q2 4 819 000+21% 32 383 400+3% 21 192 500+10% 3 961 000+9% 23 312 400+7%
2020 q1 4 590 600+13% 32 068 900+2% 21 555 400+11% 3 853 200+9% 23 061 800+8%
2019 q4 4 478 300+16% 29 958 900-4% 20 363 500+4% 4 182 400+21% 21 574 400+3%
2019 q3 4 252 600 30 254 200 19 787 500+1% 3 653 200-91% 22 318 100+7%
2019 q2 3 982 000 31 561 900 19 207 200-2% 3 636 100-92% 21 808 000+4%
2019 q1 4 058 200 31 328 700 19 353 000-1% 3 540 400-92% 21 379 300+2%
2018 q4 3 851 960 31 197 500 19 585 000+6% 3 442 500+197% 20 897 300+5%
2018 q3     19 585 000 39 542 000>+200% 20 897 300
2018 q2     19 585 000 43 079 000>+200% 20 897 300
2018 q1     19 585 000 42 309 000>+200% 20 897 300
2017 q4     18 488 100 1 161 000 19 814 200
2017 q3       23 0000%  
2017 q2       22 000-4%  
2017 q1       22 000-98%  
2016 q4          
2016 q3       23 000-99%  
2016 q2       23 000+10%  
2016 q1       912 000-70%  
2015 q4 ( 2187 , 2188 ) 2 372 800+18% 27 334 700+8% 18 727 800+5% 3 440 800+54% 19 798 300+27%
2015 q3 2 238 800-89% 25 934 400 17 948 700+1% 2 911 700-15% 18 286 500+18%
2015 q2       21 000-99%  
2015 q1 2 093 000-89% 24 245 900 17 363 700-2% 3 023 700-12% 15 815 700+2%
2014 q4 2 015 600 25 200 800 17 756 600+37% 2 231 900-25% 15 562 900+29%
2014 q3 20 086 000+12%   17 756 600 3 419 500 15 562 900
2014 q2 19 502 000+15%     4 048 000  
2014 q1 19 190 000   17 756 600 3 419 500 15 562 900
2013 q4     12 933 700 2 994 600 12 064 200
2013 q3 17 898 000        
2013 q2 16 955 000>+200%        
2013 q1          
2012 q4 ( 2200 , 2201 )          
2012 q3 ( 2202 , 2203 )          
2012 q2 1 401 400 12 433 800 8 861 500+15% 1 640 400-13% 8 768 900+11%
2012 q1          
2011 q4 ( 2206 , 2207 )          
2011 q3          
2011 q2     7 719 700+62% 1 894 500+6% 7 932 100+35%
2011 q1 1 073 379+27% 8 696 311+19% 5 661 096+19% 1 812 324+14% 6 647 186+21%
2010 q4 ( 2211 , 2212 ) 983 057 8 628 527 5 489 387+13% 1 823 648+53% 6 651 131+22%
2010 q3 912 814 8 028 724 5 146 327+6% 1 797 347+51% 6 163 911+13%
2010 q2 863 549 7 579 390 4 759 073-2% 1 788 074+50% 5 855 972+8%
2010 q1 848 363 7 300 880 4 743 189-2% 1 589 640+34% 5 502 795+1%
2009 q4 ( 2216 , 2217 )     4 864 031 1 188 734 5 438 871
2009 q3     4 864 031 1 188 734 5 438 871
2009 q2     4 864 031 1 188 734 5 438 871
2009 q1     4 864 031 1 188 734 5 438 871
2008 q4          


Cashflow


Q Operating cashflow Investing cashflow Financial cashflow
 
2025 q3 1 616 400 -142 700 -648 800
2025 q2 367 700 -127 400 -19 200
2025 q1 -140 600>+200% -71 200>+200% -9 600>+200%
2024 q4 ( 9552 , 14830 , 14902 )      
2024 q3      
2024 q2      
2024 q1 -141 -71 -10
2023 q4      
2023 q3 ( 7432 , 9277 )      
2023 q2 ( 6800 , 9276 )      
2023 q1      
2022 q4      
2022 q3      
2022 q2      
2022 q1      
2021 q4 41 700-91% -151 700+185% -20 000-95%
2021 q3 314 900<-100% 50 100<-100% 17 200<-100%
2021 q2 295 300+80% -110 800>+200% -381 800<-100%
2021 q1 145 600-51% -8 600-60% -16 700-72%
2020 q4 486 200<-100% -53 200-67% -416 900>+200%
2020 q3 -283 100<-100% -6 200-85% -4 100-32%
2020 q2 164 200-82% -23 500-23% 30 400<-100%
2020 q1 296 600<-100% -21 500+59% -59 900>+200%
2019 q4 -348 200>+200% -161 500+73% -13 800-1%
2019 q3 138 100-66% -41 800+51% -6 000-98%
2019 q2 927 200+180% -30 500-49% -406 800>+200%
2019 q1 -184 300-39% -13 500-7% -16 000<-100%
2018 q4 -28 300-87% -93 600<-100% -14 000<-100%
2018 q3 402 800+102% -27 700>+200% -284 700>+200%
2018 q2 331 300>+200% -60 200-75% -22 000-91%
2018 q1 -300 500<-100% -14 500-72% 100<-100%
2017 q4 -224 600<-100% 195 600-32% 208 200<-100%
2017 q3 199 200-45% -4 300<-100% -14 600-69%
2017 q2 1 000-99% -245 400+20% -256 500>+200%
2017 q1 89 200<-100% -51 500<-100% -99 400-15%
2016 q4 5 900-93% 286 700<-100% -46 600-49%
2016 q3 365 400-40% 82 100<-100% -46 500-75%
2016 q2 140 950<-100% -203 950<-100% -34 350-91%
2016 q1 -124 750>+200% 76 250<-100% -116 650<-100%
2015 q4 ( 2187 , 2188 ) 85 100-89% -379 400<-100% -91 000-64%
2015 q3 605 800+163% -10 700-74% -187 300+139%
2015 q2 -246 100>+200% 202 300<-100% -391 400<-100%
2015 q1 -3 400-98% -49 800<-100% 158 100+108%
2014 q4 799 200+53% 16 600<-100% -253 100+84%
2014 q3 230 200>+200% -41 800-49% -78 400<-100%
2014 q2 -16 700-96% -55 200-47% 214 500<-100%
2014 q1 -180 800<-100% 18 800>+200% 76 100+1%
2013 q4 521 700-7% -174 400-14% -137 200<-100%
2013 q3 54 200<-100% -82 700-40% 7 900-83%
2013 q2 -387 500<-100% -105 100+144% -5 100-76%
2013 q1 226 900<-100% 5 500<-100% 75 500<-100%
2012 q4 ( 2200 , 2201 ) 562 400>+200% -202 100>+200% 134 900<-100%
2012 q3 ( 2202 , 2203 ) -37 500-78% -138 500+62% 47 500+161%
2012 q2 412 500<-100% -43 100<-100% -21 600<-100%
2012 q1 -18 4000% -25 4000% -6000%
2011 q4 ( 2206 , 2207 ) 42 747-63% -37 473-10% -33 508<-100%
2011 q3 -167 100<-100% -85 700+139% 18 200-77%
2011 q2 -101 423<-100% 292 933<-100% 25 300<-100%
2011 q1 -18 477<-100% -25 433-95% -600-98%
2010 q4 ( 2211 , 2212 ) 115 459<-100% -41 785<-100% 47 077+3%
2010 q3 8 259-95% -35 898-74% 80 540<-100%
2010 q2 465 758<-100% -252 822>+200% -202 220>+200%
2010 q1 322 311<-100% -485 364>+200% -25 400+167%
2009 q4 ( 2216 , 2217 ) -195 317<-100% 364 961<-100% 45 864<-100%
2009 q3 163 877 -137 827 -21 637
2009 q2 -64 178 -54 305 -5 309
2009 q1 -148 635 -28 502 -9 526
2008 q4 227 947 -203 967 -25 001
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 q2    
2024 q4    
2024 q2    
2023 q4    
2023 q2    
2023 q1    
2022 q1    


Balance


Q Total equity Total assets PortfolioCredit PortfolioBonds Deposits
 
2025 q2          
2024 q4          
2024 q2 0        
2023 q4          
2023 q2          
2023 q1          
2022 q1          
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