Dynamics of Sberbank Groups key figures over the past five years in accordance with IFRS


Assets


Loans and advances to customers
(before provision for loan impairment)


Equity


Due to individuals and corporate customers


Loans and advances to customers, net


Total capital adequacy ratio (Basel I)


Operating income before provisions


Net profit


Charge / reversal of provisions for loan impairment


Operating expenses to operating income before provisions


Operating expenses


Return on equity


  2011 2010 Change 2009 2008 2007
For the year, RUB billion
Operating income before provisions 742.8 649.8 14.3% 635.1 435.6 340.3
Provision charge for loan impairment 1.2 (153.8) - (388.9) (97.9) (17.6)
Operating income 744.0 496.0 50.0% 246.2 337.7 322.7
Operating expenses (348.3) (265.9) 31.0% (216.3) (207.8) (183.0)
Profit before tax 395.7 230.1 72.0% 29.9 129.9 139.7
Net profit 315.9 181.6 74.0% 24.4 97.7 106.5
As of 31 December, RUB billion
Loans and advances to customers, net 7,720 5,489 40.6% 4,864 5,078 3,922
Loans and advances to customers before provision for
loan impairment
8,382 6,192 35.4% 5,444 5,280 4,033
Total assets 10,835 8,629 25.6% 7,105 6,736 4,929
Due to individuals and corporate customers 7,932 6,651 19.3% 5,439 4,795 3,878
Total liabilities 9,567 7,641 25.2 % 6,326 5,986 4,292
Total equity 1,268 987 28.4% 779 750 637
Per share*, RUB per share            
Basic and diluted earnings 14.6 8.4 73.8% 1.1 4.5 5.1
Dividends per ordinary share declared during the year 0.9 0.1 800.0% 0.5 0.5 0.4
Net assets per ordinary share 58.8 45.7 28.6% 36.1 34.8 29.5
Financial ratios, %
Profitability ratios
Return on assets (ROА) 3.2 2.3 0.9 p.p. 0.4 1.7 2.5
Return on equity (ROE) 28.0 20.6 7.4 p.p. 3.2 14.1 22.5
Spread (return on assets less cost of funds) 6.1 5.9 0.2 p.p. 7.1 6.5 5.8
Net interest margin (net interest income to average
assets)
6.4 6.4 0.0 p.p. 7.6 6.9 6.2
Net fee and commission income to operating income
before provisions
18.9 19.0 -0.1 p.p. 15.9 19.8 19.4
Operating expenses to operating income before
provisions
46.9 40.9 6.0 p.p. 34.1 47.7 53.8
Loans and advances to customers after provision
for loan impairment to amounts due to individuals
and corporate customers
97.3 82.5 14.8 p.p. 89.4 105.9 101.1
Capital adequacy ratios
Core capital ratio (Tier I) 11.6 11.9 -0.3 p.p. 11.5 12.1 13.9
Total capital ratio (Tier I and Tier II) 15.2 16.8 -1.6 p.p. 18.1 18.9 14.5
Equity to total assets 11.7 11.4 0.3 p.p. 11.0 11.1 12.9
Asset quality
Non-performing loans to total loans outstanding 4.9 7.3 -2.4 p.p. 8.4 1.8 1.5
Provision for loan impairment to non-performing loans
(times)
1.6 1.6 0.0 p.p. 1.3 2.1 1.8
Provision for loan impairment to total gross loans to
customers
7.9 11.3 -3.4 p.p. 10.7 3.8 2.8
* 2008-2011: Consolidated data. 2007: Non-consolidated data.
** Ratio is calculated taking into account share split of ordinary shares in 2007.

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