The main factors behind the growth of the bank's assets in 2014 were loans to legal entities and individuals: the increase in assets by 71.5% was provided by net loans. The growth of balance sheet items was significantly affected by the positive revaluation of their currency component due to the depreciation of the ruble against major foreign currencies: the US dollar exchange rate increased in 2014 by 71.9% to 56.3 rubles/USD. USA, the euro exchange rate - by 52.0% to 68.3 rubles / euro.
The capital for 2014 increased by 339 billion rubles. and amounted to 2,312 billion rubles. The main factors that increased capital are earned net profit, placement of subordinated bonds in the amount of USD 1 billion, as well as a reduction in deductions for investments in ordinary shares of companies under the requirements of the transition period Basel III. The main factors that reduced the capital are the payment of declared dividends for 2013 in the amount of 72.3 billion rubles. and the deduction of subordinated loans granted to subsidiaries. The dynamics of capital was also affected by the gradual transition of the bank to the requirements of Basel III, which is carried out for 5 years for some positions of the calculation. In June 2014, the bank attracted a subordinated loan from the Bank of Russia in the amount of 200 billion rubles. within federal law No. 173-FZ5 for funding active operations. This loan was not taken into account when calculating the regulatory capital of Sberbank as of January 1, 2015, but at the same time increased the total capital adequacy in the consolidated financial reporting on international standards.
In the 4th quarter of 2014, the bank's risk-adjusted assets increased significantly due to the revaluation of foreign currency assets as a result of the weakening of the ruble. The growth of these assets had a negative impact on capital adequacy ratios, however, Sberbank did not violate the limits of the Bank of Russia, incl. for intramonth dates. As of January 1, 2015, Sberbank's total capital adequacy ratio was 11.6%, having decreased by 0.9 p.p. over the year.
Assets in 2014 grew by 33.6% and exceeded RUB 21.7 trillion. Their growth was mainly due to the increase in the loan portfolio of customers both in real and nominal terms, i.e. without the effect of revaluation due to changes in the exchange rate of the ruble against world currencies. The net loan debt of customers increased by RUB 3.9 trillion over the year. and reached a value of about 15.9 trillion rubles. Over the past year, the volume of loans issued to corporate clients amounted to about 8.0 trillion rubles, which is 8.5% higher than the corresponding indicator of the previous year. In 2014, about 2.8 trillion rubles were issued to private clients. The trend of accelerated development of housing lending continued: over the year, the Bank provided housing loans for 921 billion rubles, which is 41% higher than the corresponding indicator of the previous year.
Various sources of attracting resources were used to fund active operations. Below is the dynamics of attracted customer funds.
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Customer accounts, RUB mln |
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Individuals and individual entrepreneurs |
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Corporate clients |
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Funds in precious metals and other funds |
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Total customer funds |
14 026 724 |
11 128 035 |
The volume of attracted funds of corporate clients increased both in ruble accounts and in foreign currency. Volume growth funds of individuals for the year is mainly due to the revaluation of foreign currency balances on the accounts of private clients.
The volume of funds of the Bank of Russia on the balance sheet of Sberbank increased from 2.0 trillion rubles. up to 3.5 trillion rubles. At the same time, the bank managed to reduce the amount of short-term borrowings from the Bank of Russia under direct REPO operations, replacing them with medium- and long-term borrowings. The Bank attracted an unsecured subordinated loan from the Bank of Russia in the amount of 200 billion rubles. for a period of 5 years, as well as loans secured by assets and guarantees for a period of up to 1 year. As a result, the volume of direct REPO with the Bank of Russia decreased by 0.3 trillion rubles. In addition, Sberbank began using a new instrument of the Bank of Russia to attract foreign currency liquidity - direct REPO operations in foreign currency.
earned by the bank in 2014 amounted to RUB 1,319 billion. against 1,026 billion rubles. at the end of 2013. Net interest income and net fee and commission income are also higher than in the previous year.
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Aggregated report on financial results, billion rubles |
2014 |
2013 |
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Net interest income |
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Net fee and commission income |
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Net income from operations with financial assets, securities and foreign exchange |
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Other operating income |
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Operating income before provisions |
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Change in reserves |
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Operating expenses |
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Profit before tax |
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Tax expense |
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Over 53% interest income the bank received on loans to legal entities. Interest income from lending to individuals increased due to an increase in retail lending.
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Interest income by types of assets mln RUB |
2014 |
2013 |
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Nostro accounts |
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Funds in the Bank of Russia |
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Bank loans |
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Loans to legal entities |
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Loans to individuals |
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Incomes of previous years, fines, penalties, etc. |
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Income from the sale of insurance products to individuals |
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Securities valued through profit or loss |
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Securities available for sale |
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Securities held to maturity |
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Total interest income: |
1 661 885 |
1 339 005 |
Dynamics interest expense reflects the trends of 2014:
to maintain active operations, Sberbank used tools to raise funds from the Bank of Russia and Federal Treasury, the value of which increased especially strongly in December after the Bank of Russia raised the key rate to 17%;
in conditions of insufficient inflow of funds into deposits, Sberbank increased the volume of attracted funds legal entities; their market value also increased significantly in December;
the bank diversified its liabilities by issuing Eurobonds and subordinated bonds, as well as by raising funds under the ECP program; in June, a subordinated loan was received from the Bank of Russia in the amount of 200 billion rubles.
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Interest expenses by type of funds raised, mln RUB |
2014 |
2013 |
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Loro correspondent accounts |
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Bank of Russia deposits |
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Term deposits of banks |
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Settlement accounts of legal entities |
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Term deposits of legal entities |
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Demand accounts of individuals |
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Term deposits of individuals |
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Expenses of previous years, fines, penalties |
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Bonds |
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Subordinated loan |
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|
Bills, savings and deposit certificates |
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|
Total interest expense: |
Main growth fee income provided with commissions on operations with bank cards and acquiring operations due to the growth of issued cards and an increase in the number of customers who are acquiring services at Sberbank.
Main growth commission expenses due to the growth in the volume of transactions with bank cards, which affects the volume of payments in favor of payment systems.
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Fee and commission income and expenses, RUB mln |
2014 |
2013 |
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Fee and commission income |
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|
Settlement transactions |
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Account management |
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Bank guarantees |
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Operations with foreign currency |
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Trade finance and documentary operations |
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Service budget funds |
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Rental of safes and bank cells |
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Operations with securities |
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|
Agency and other services |
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Total fee and commission income |
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|
Commission expenses |
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Operations with bank cards |
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Settlement transactions - expense |
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|
Collection |
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|
Total commission expenses |
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|
Net fee and commission income |
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Consistently pursuing a policy in the field of efficiency improvement, the Bank continued to implement a program to optimize expenses . The Bank has optimized the procurement system, including in the area of IT, has increased the efficiency of real estate use, and systematically works with other types of expenses. The low growth rate of personnel expenses (12.7%) contributed to a further reduction in their share in the structure of operating expenses from 48.4% to 42.5%.
|
Operating expenses, million rubles |
2014 |
2013 |
|
Staff costs |
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|
Administrative and economic expenses |
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|
Depreciation |
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|
Expenses from the exercise of own rights of claim |
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|
Contributions to the Fund compulsory insurance deposits |
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|
Expenses of previous years from the revaluation of investments in subsidiaries and affiliates |
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|
Other operating expenses |
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|
Operating expenses |
In 2014 the Bank's expenses for the formation of the reserve amounted to 290.8 billion rubles, including loans of 279.6 billion rubles. This is significantly higher than in 2013. The increase in the cost of provisions for loans is due to the following factors:
A large amount of expenses on provisions was the main reason for the decline in the Bank's profit in 2014. Profit before tax decreased compared to 2013 by 14.6% and amounted to 429.2 billion rubles. Profit after tax decreased by 17.6% to 311.2 billion rubles.
Net income for the three months ended March 31, 2015 amounted to RUB 30.6 billion. (or 1.42 rubles per ordinary share) compared to 72.9 billion rubles. (or RUB 3.41 per ordinary share) for the same period in 2014. Net profit decreased mainly due to the fact that the growth of interest expenses outpaced the growth of interest income, as well as due to the creation of a provision for impairment of the loan portfolio.
Net interest income for the 1st quarter of 2015 decreased by 16.4% and amounted to 200.3 billion rubles. compared to 239.6 billion rubles. for the 1st quarter of 2014.
Interest margin for the 1st quarter of 2015 decreased by 200 basis points compared to the 1st quarter of 2014 and amounted to 3.7% per annum.
Net fee and commission income for the 1st quarter of 2015 amounted to 69.5 billion rubles, which is 14.7% higher than in the 1st quarter of 2014 (60.6 billion rubles).
Operating income before expenses on creating a provision for depreciation of debt financial assets increased by 4.0%, amounting to 304.9 billion rubles. in comparison with 293.2 billion rubles. for the 1st quarter of 2014.
Operating expenses for the 1st quarter of 2015 increased by 14.7% compared to the same period in 2014, while the ratio of operating expenses to income increased to 45.8% compared to 41.5% for the 1st quarter of 2014.
Net expenses for the creation of a provision for impairment of the loan portfolio for the 1st quarter of 2015 amounted to 114.9 billion rubles, which corresponds to the cost credit risk at 250 basis points.
Total assets as of March 31, 2015 amounted to RUB 24,245.9 billion, down 3.8% year-on-year. The main reason for the decrease is the decrease in the amount of cash and cash equivalents, as well as the loan portfolio.
In Q1 2015, loans and advances to customers (net) decreased by 2.2%, amounting to RUB 17,363.7 billion, compared to RUB 17,756.6 billion. at the end of 2014.
The share of non-performing loans in the portfolio before provisions (NPL) increased to 3.9% as of March 31, 2015 (December 31, 2014: 3.2%).
Customer funds increased by 1.6%, amounting to 15,815.7 billion rubles, compared to 15,562.9 billion rubles. at the end of 2014. The increase in funds of individuals is the main source of growth in customer funds.
Own funds increased by 3.8% in the 1st quarter of 2015 and amounted to 2,096.9 billion rubles. The main sources of growth were net income from the revaluation of securities available-for-sale and net income for the reporting period.
The total capital adequacy ratio (Basel I) for the 1st quarter of 2015 increased by 60 basis points and amounted to 12.7%. The core capital adequacy ratio (tier 1 capital) increased by 40 basis points and amounted to 9.0%.
Interest income for the 1st quarter of 2015 increased by 35.7% compared to the same period in 2014 and amounted to 561.9 billion rubles. The increase was due to higher interest rates on corporate loans and growth in the volume of assets generating interest income.
Interest expenses (including expenses directly related to deposit insurance) for the 1st quarter of 2015 increased by 107.1% compared to the same period in 2014 and amounted to 361.6 billion rubles, while the main sources of growth were the cost of term deposits of corporate customers and the cost of interbank borrowings (mainly from the Bank of Russia). average cost term deposits of corporate clients increased to 8.5% per annum compared to 5.4% per annum in the 1st quarter of 2014 due to the revision of market interest rates amid instability in the Russian financial market. Interest expenses on interbank borrowings (mainly from the Bank of Russia) in the 1st quarter of 2015 increased by 254.3% compared to the same period last year due to an increase in the volume and cost of borrowings due to an increase in the key rate of the Central Bank of the Russian Federation. At the same time, interest expenses on deposits of individuals, which are a key source of financing, became the main component of interest expenses. In the 1st quarter of 2015, the cost of attracting urgent funds of individuals increased to 6.1% per annum compared to 5.3% per annum in the 1st quarter of 2014.
Net interest income for the 1st quarter of 2015 decreased by 16.4% compared to the same period in 2014 and amounted to 200.3 billion rubles. This decrease was caused by an increase in interest expenses, which outpaced the growth in interest income, due to a sharp increase in the cost of funding. As a result, the net interest margin decreased in Q1 2015 by 200 basis points to 3.7% per annum. Net interest income remains the main component of operating income, accounting for 65.7% of total operating income before impairment charges on debt financial assets.
Net fee and commission income for the 1st quarter of 2015 increased by 14.7% compared to the same period in 2014, amounting to 69.5 billion rubles. Fee and commission income from settlement and cash services individuals and legal entities and acquiring income, as well as commission income from foreign exchange transactions.
Operating income before expenses on creating a provision for impairment of debt financial assets for the 1st quarter of 2015 amounted to 304.9 billion rubles, showing an increase of 4.0% compared to 293.2 billion rubles. for the same period in 2014, despite a decrease in net interest income of 16%. The main sources of growth were net fee and commission income and income from foreign exchange transactions.
Net expenses from the creation of a provision for impairment of the loan portfolio for the 1st quarter of 2015 amounted to 114.9 billion rubles. in comparison with 77.1 billion rubles. for the same period in 2014, which corresponds to a cost of credit risk of 250 basis points versus 220 basis points in 1Q 2014. The main reasons for the growth of expenses from the creation of the provision were: a general deterioration in the quality of the loan portfolio against the backdrop of a slowdown Russian economy and provisioning for loans to Ukrainian borrowers as a result of the further deterioration of the Ukrainian economy.
Sberbank deposits to individuals in 2015 are represented by a wide product line. Citizens will be able to choose the best product, because each deposit helps to solve individual problems: save money, manage finances, accumulate savings. You can make a deposit at a bank branch or online on the institution's website. How to do this and what conditions Sberbank offers to its depositors - later in the article.
Sberbank has a fairly wide selection of deposits for individuals. Here, citizens can apply for: Among term deposits the following products are presented:
When performing online transactions, apply higher rates- after all, bank employees (specialist, cashier) are not involved in concluding a transaction. Taking into account capitalization, you can get the following income from the placement of funds:
When you click on the "Make a deposit" button, a window for entering the Sberbank Online @ yn system will open on the screen. After entering the password and login, you should proceed to registration.
Naturally, there must be a sufficient amount of money in the account that you indicate as a source of funds. Otherwise, the system will notify you of a technical error and the inability to perform the requested operation.
In 2015, Sberbank issues deposits that were valid as of 06/20/1991. Investors themselves or their heirs can receive funds. The multiplicity of payments depends on the year of birth of the deposit owner:
If previously the contributor (heirs) already received a preliminary compensation, now they can claim the difference between the balance and the amount previously received.
When determining the amount of compensation, special coefficients are applied that take into account the duration of storage of deposits:
If the owner of the deposit died in 2001 or later, the heirs can receive funds to pay for funeral services in the following amount:
Relatives can receive payment for burial only in one department for one contribution.
To receive compensation, the depositor will need the following documents:
Heirs must bring with them:
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Select a report: |
Under the reliability of the bank we will understand the totality of factors under which the bank is able to fulfill its obligations, have an adequate margin of safety when crisis situations, do not violate the standards and laws established by the Bank of Russia.
It should be borne in mind that only on the basis of reporting it is impossible to accurately determine the degree of reliability of the bank, so the study below is indicative.
Bank stability is the ability to withstand any external influences. Dynamics over a certain period may show stability (either improvement or deterioration) of various indicators, which may also indicate the stability of the bank.
public joint-stock company Sberbank of Russia is largest Russian bank and among them ranks 1st in terms of net assets.
On the reporting date(January 01, 2020) the value of net assets of the bank SBERBANK OF RUSSIA amounted to 29025.74 billion rubles In a year assets increased by 2.34%. Growth of net assets negative affected the return on assets ROI: over the year, the net return on assets fell from 3.87% to 3.76% .
In terms of services rendered, the bank mainly attracts client money, and these funds are sufficient diversified(between legal and individuals), a invests funds are mainly loans.
SBERBANK OF RUSSIA - state-owned bank .
SBERBANK OF RUSSIA - is on the pawn list
, and the Bank of Russia accepts as collateral the bonds of the credit institution; has the right to work with the Pension Fund of the Russian Federation
and can attract its funds in trust management, in deposits and savings for housing military personnel; has the right to work with non-state pension funds implementing the mandatory pension insurance
, and can attract pension savings and savings for housing for military personnel; has the right to open accounts and deposits in accordance with the law 213-FZ of July 21, 2014.
, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; is under direct or indirect control of the Central Bank or the Russian Federation; to a credit institution appointed authorized representatives of the Bank of Russia.
The liquid assets of the bank are those funds of the bank that can be quickly turned into cash to return them to depositor clients. To assess liquidity, consider a period of approximately 30 days during which the bank will be able (or not able) to fulfill part of its obligations. financial obligations(because no bank can return all obligations within 30 days). This "part" is called the "proposed outflow". Liquidity can be considered an important component of the concept of bank reliability.
Brief Structure highly liquid assets present in the form of a table:
| Name of indicator | January 01, 2019, thousand rubles | January 01, 2020, thousand rubles | ||
|---|---|---|---|---|
| cash on hand | 655 526 185 | (15.77%) | 574 117 923 | (14.12%) |
| funds on accounts with the Bank of Russia | 677 193 513 | (16.29%) | 956 800 457 | (23.54%) |
| NOSTRO correspondent accounts in banks (net) | 406 346 298 | (9.78%) | 231 077 569 | (5.68%) |
| interbank loans placed for up to 30 days | 1 032 002 725 | (24.83%) | 559 450 148 | (13.76%) |
| highly liquid securities of the Russian Federation | 1 345 776 331 | (32.38%) | 1 622 989 329 | (39.92%) |
| highly liquid securities of banks and states | 46 510 488 | (1.12%) | 142 155 041 | (3.50%) |
| highly liquid assets, taking into account discounts and adjustments (based on Ordinance No. 3269-U dated May 31, 2014) | 4 156 378 967 | (100.00%) | 4 065 343 519 | (100.00%) |
From the table of liquid assets, we see that the amounts of funds on hand have slightly changed, the amounts of funds on accounts with the Bank of Russia, highly liquid securities of the Russian Federation have increased, the amounts of highly liquid securities of banks and states have greatly increased, the amounts of NOSTRO correspondent accounts in banks (net) have significantly decreased, interbank loans placed for up to 30 days, while the volume of highly liquid assets, taking into account discounts and adjustments (based on Ordinance No. 3269-U dated May 31, 2014), decreased over the year from 4156.38 to 4065.34 billion rubles
Structure current liabilities is shown in the following table:
| Name of indicator | January 01, 2019, thousand rubles | January 01, 2020, thousand rubles | ||
|---|---|---|---|---|
| deposits of individuals with a term of more than a year | 2 945 375 613 | (15.90%) | 3 424 581 246 | (17.49%) |
| other deposits of individuals (including individual entrepreneurs) (up to 1 year) | 9 906 903 530 | (53.46%) | 10 062 374 356 | (51.40%) |
| deposits and other funds of legal entities (up to 1 year) | 4 600 688 102 | (24.83%) | 4 932 671 892 | (25.20%) |
| including current funds of legal entities (without IP) | 2 735 261 725 | (14.76%) | 3 006 215 815 | (15.36%) |
| correspondent accounts of LORO banks | 85 330 488 | (0.46%) | 62 463 754 | (0.32%) |
| interbank loans received for up to 30 days | 579 558 831 | (3.13%) | 601 504 790 | (3.07%) |
| own securities | 109 416 619 | (0.59%) | 71 292 061 | (0.36%) |
| obligations to pay interest, arrears, accounts payable and other debts | 302 529 184 | (1.63%) | 421 714 921 | (2.15%) |
| expected cash outflow | 4 055 069 496 | (21.88%) | 4 307 510 781 | (22.00%) |
| current liabilities | 18 529 802 367 | (100.00%) | 19 576 603 020 | (100.00%) |
During the period under review, what happened to the resource base was that the amounts of deposits of individuals with a period of more than a year, other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year), deposits and other funds of legal entities changed slightly ( up to 1 year), incl. current funds of legal entities (excluding individual entrepreneurs), interbank loans received for a period of up to 30 days, increased the amount of obligations to pay interest, delinquency, accounts payable and other debts, decreased the amount of correspondent accounts of LORO banks, significantly decreased the amount of own securities, while the expected cash outflow increased over the year from 4055.07 to 4307.51 billion rubles
At the moment under consideration, the ratio of highly liquid assets (funds that are easily available to the bank over the next month) and the estimated outflow of current liabilities gives us the value 94.38% , which means insufficient supply strength to overcome a possible outflow of customers, however, the bank is large and so significant churn is unlikely.
In correlation with this, the standards of instant (H2) and current (H3) liquidity are important for consideration, the minimum values of which are set at 15% and 50%, respectively. Here we see that the H2 and H3 standards are now at sufficient level.
Now let's track the dynamics of change liquidity indicators during a year:
According to the median method (discarding sharp peaks): the sum of the norm of instant liquidity H2 during of the year quite large and tends to decrease, but over the past half a year tends to slight growth, the amount of current liquidity ratio H3 during of the year tends to increase, but in recent half a year tends to decrease, and the expert reliability of the bank during of the year tends to decrease slightly, but over the last half a year tends to remain virtually unchanged.
Other coefficients for assessing the liquidity of the bank PJSC SBERBANK can be seen at this link.
The volume of assets that generate income for the bank is 88.53% in total assets, and the volume of interest-bearing liabilities is 78.34% in total liabilities. The volume of earning assets roughly corresponds to the average for the largest Russian banks (87%).
Structure earning assets at the moment and a year ago:
| Name of indicator | January 01, 2019, thousand rubles | January 01, 2020, thousand rubles | ||
|---|---|---|---|---|
| Interbank loans | 1 633 413 626 | (6.50%) | 1 028 583 379 | (4.00%) |
| Corporate loans | 12 419 970 979 | (49.42%) | 12 227 910 563 | (47.59%) |
| Loans to individuals | 6 169 593 448 | (24.55%) | 7 240 611 869 | (28.18%) |
| Bills of exchange | 1 636 601 | (0.01%) | 1 336 091 | (0.01%) |
| Investments in leasing operations and acquired rights of claim | 68 908 424 | (0.27%) | 161 451 418 | (0.63%) |
| Investments in securities | 3 848 440 456 | (15.31%) | 4 157 882 184 | (16.18%) |
| Other income-generating loans | 828 653 194 | (3.30%) | 762 695 049 | (2.97%) |
| Income assets | 25 133 807 576 | (100.00%) | 25 695 322 606 | (100.00%) |
We see that the amounts of Loans to legal entities, Loans to individuals, Investments in securities have slightly changed, the amounts of Investments in leasing operations and acquired rights of claim have greatly increased, the amounts of Promissory notes have decreased, the amounts of Interbank loans have greatly decreased, and the total amount of income assets increased by 2.2% from 25133.81 to 25695.32 billion rubles
Analytics by degree of security issued loans, as well as their structure:
| Name of indicator | January 01, 2019, thousand rubles | January 01, 2020, thousand rubles | ||
|---|---|---|---|---|
| Securities accepted as collateral for issued loans | 6 169 007 420 | (29.21%) | 6 100 686 171 | (28.50%) |
| Property accepted as security | 10 817 270 885 | (51.21%) | 19 835 489 261 | (92.66%) |
| Precious metals accepted as collateral | (0.00%) | (0.00%) | ||
| Received guarantees and guarantees | 43 671 932 764 | (206.75%) | 44 329 421 421 | (207.09%) |
| Loan portfolio amount | 21 122 729 057 | (100.00%) | 21 405 723 942 | (100.00%) |
| - incl. corporate loans | 11 965 898 766 | (56.65%) | 11 409 084 669 | (53.30%) |
| - incl. physical loans persons | 6 169 593 448 | (29.21%) | 7 240 611 869 | (33.83%) |
| - incl. bank loans | 1 635 603 012 | (7.74%) | 1 103 355 214 | (5.15%) |
An analysis of the table suggests that the bank is focusing on diversified lending, the form of security of which is property liens. The overall level of loan collateral is quite high and possible loan defaults are likely to be offset by the amount of collateral.
Brief structure interest liabilities(i.e. for which the bank usually pays interest to the client):
| Name of indicator | January 01, 2019, thousand rubles | January 01, 2020, thousand rubles | ||
|---|---|---|---|---|
| Funds of banks (interbank credit and correspondent accounts) | 989 817 841 | (4.36%) | 692 606 838 | (3.05%) |
| Legal funds persons | 7 412 738 453 | (32.63%) | 6 596 911 866 | (29.01%) |
| - incl. current funds of legal entities. persons | 2 888 382 565 | (12.71%) | 3 128 118 266 | (13.76%) |
| Physical contributions. persons | 12 699 158 303 | (55.90%) | 13 365 053 151 | (58.78%) |
| Other interest-bearing liabilities | 1 617 607 628 | (7.12%) | 2 084 372 818 | (9.17%) |
| - incl. loans from the Bank of Russia | 567 221 798 | (2.50%) | 537 881 070 | (2.37%) |
| Interest liabilities | 22 719 322 225 | (100.00%) | 22 738 944 673 | (100.00%) |
We see that the amounts of legal funds have changed slightly. individuals, deposits of individuals. persons, the amount of funds due to banks (interbank loans and correspondent accounts) decreased, and the total amount of interest-bearing liabilities increased by 0.1% from 22719.32 to 22738.94 billion rubles
In more detail, the structure of assets and liabilities of the bank PJSC SBERBANK can be considered.
Profitability of sources of own funds (calculated according to balance sheet data) decreased over the year from 21.20% to 19.63%. At the same time, the return on equity ROE (calculated on forms 102 and 134) decreased over the year from 25.43% to 25.10%(here and below, data are given in percent per annum for the nearest quarterly date).
Net interest margin decreased over the year from 5.24% to 4.77%. Profitability of lending operations changed little over the year from 10.50% to 10.53%. The cost of borrowed funds has increased over the year from 3.55% to 3.94%. The cost of household funds (individuals) increased over the year With
Sberbank of Russia occupies a leading position in terms of deposits among the ten leading banks in the country. Sberbank offers its clients various deposit programs. In total, Sberbank of Russia offers 8 types of deposits for individuals. Currently the highest interest rate 6% is set only for 4 types of deposits: “Deposit of Sberbank of Russia”, “Accumulative of Sberbank of Russia”, “Trust of Sberbank of Russia”, “Pension deposit of Sberbank of Russia”. For getting maximum percentage per annum, it is necessary to make an investment on long term. But it is worth noting that in 2013 interest rates for all types of deposits were significantly lower than in 2012. The interest of Sberbank, like other Russian banks, directly depends on the refinancing rate of the Central Bank of Russia. During this period, the refinancing rate fell, and hence the interest on deposits, respectively, became lower. Despite the fact that interest rates in Sberbank are far from the highest, people traditionally open their deposits in it. The main advantage of Sberbank is its reliability.
It is also worth noting the possibility of transferring interest to a bank card account, unlimited replenishment of the deposit by bank transfer, the possibility of accepting and withdrawing funds in a currency other than the deposit currency, the possibility of choosing an individual investment period. To compile a comparative table deposit operations Sberbank analyzed the following types of deposits: Replenished; Special; Retirement; Cumulative; Trust; Gift a life; Multicurrency; Universal; Poste restante.
Table 2. Comparative table of deposits of Sberbank of Russia OJSC for 2013
|
Min. contribution |
Deposit term |
Rate % per annum |
Part. withdrawal |
Replenishment |
||
|
refillable |
||||||
|
pension |
||||||
|
Cumulative |
||||||
|
Confidential |
||||||
|
gift a life |
||||||
|
Multicurrency |
||||||
|
Universal |
Other currencies |
|||||
|
Poste restante |
Other currencies |
Not limited |
As can be seen from the above data in the table, the most favorable interest on deposits of Sberbank in 2013 - this is only 6.00% per year. At the same time, the interest rate Central Bank was 7.75%. At the end of 2013, the inflationary impact was about 7.57% in annual terms. Thus, the entire "profit" on investments in Sberbank is significantly less than inflation. So, the deposits of Sberbank of Russia in 2013 turned out to be unprofitable.
Table 3. Analysis of deposits in the balance sheet of Sberbank of Russia for 2012-2013
For this analysis, the consolidated statement of financial position of the bank and notes to it for 2013 were disassembled. Let's present these notes of the report from Appendix 1 in the form of a table. It follows from the data in the table that the amount of other banks' funds in the liabilities of Sberbank in 2013 actually increased by 5 times. As well as the share of funds of other banks in 2013 amounted to 46.6% of the total liabilities. One of the reasons for the decrease in this indicator is the increase in the activity of banks in the interbank market of Russia due to the recession of the global financial crisis. Let's take a look at this data on the chart.
Rice.
The data of the report on the structure of funds of individuals and corporate clients in liabilities will be summarized in a table.
Table 4. Structure of funds of individuals and corporate clients for the period 2012-2013
|
Funds of individuals and corporate clients (million rubles) |
||
|
Individuals Current accounts/on demand Term deposits Total due to individuals State and public organizations Current/settlement accounts Term deposits |
||
|
Total public funds and public organizations |
||
|
Other corporate clients Current/settlement accounts Term deposits Total due to other corporate customers Total due to corporate customers Total due to individuals and corporate customers |
From the data in the table, we can conclude that, despite the impact of the World Financial Crisis, Sberbank of Russia has seen an increase in the amount of fixed-term (by 24.6%) and current deposits (by 45.4%) of individuals. There is also an increasing trend specific gravity funds of individuals in the total volume of deposits from 70% in 2013 to 72.7% in 2012. The increase in this indicator can be explained by the continued confidence of depositors in the bank, which was facilitated by the measures of the Bank of Russia to support the banking sector, an example is the issuance by the Bank of Russia of a subordinated loan in the amount of 200 billion rubles to Sberbank of Russia.
As can be seen from the analysis, more than half of Sberbank's liabilities are term and savings deposits, since these deposits are of the type of stable resources.
Since 1841, Sberbank has been the historical successor of the Savings Banks founded by the decree of Emperor Nicholas I, which at first were only two small institutions with 20 employees in St. Petersburg and Moscow. Then they grew into a network of savings banks that operated throughout the country and even in difficult times helped to maintain the stability of the Russian economy. In 1895, a new Charter of savings banks was adopted. Savings banks began to be called state, which led to the responsibility of the state for the integrity of the money entrusted to the cash desks. In the second half of the 80s. the country was undergoing another socio-economic crisis, which significantly affected the activities of savings banks. An important method of improving the economy was to be a credit reform aimed at reorganizing state banking structures into joint-stock commercial banks, the elimination of the artificial monopoly of the state on the use of the population's savings. The banking reform carried out in Russia at the end of the 80s provided for the transition to a two-tier banking system: central banks - specialized banks. State labor savings banks were transformed into Sberbank of the USSR as a state specialized bank for servicing the population and legal entities.
The next step towards gaining independence was the Decree of the Supreme Council of the RSFSR adopted in July 1990, according to which the Russian Republican Bank of the Sberbank of the USSR was declared the property of the RSFSR. After the publication of the Law of the RSFSR "On Banks and banking in the RSFSR" in December 1990. Savings bank RSFSR transformed into a joint stock commercial Bank, legally approved at the general meeting of shareholders on March 22, 1991 and registered its Charter with the Central Bank of the RSFSR on June 20, 1991. The main shareholder and founder of Sberbank is central bank Russian Federation, which owns 50% of the authorized capital plus one voting share. Other shareholders of the Bank are international and Russian investors. The bank's ordinary and preferred shares have been listed on Russian stock exchanges since 1996. They are included by CJSC MICEX Stock Exchange in the quotation list of the first (highest) level. American depositary receipts (ADRs) for ordinary shares of Sberbank are listed on the London and Frankfurt stock exchanges, are eligible for trading on the OTC market in the United States. The share capital structure of Sberbank of Russia testifies to its high investment attractiveness. Sberbank changed its organizational and legal form by making the necessary amendments to the Charter. Now it is not an open joint stock company, but PJSC - a public joint stock company.
Sberbank of Russia has a unique branch network - 14 territorial banks and more than 16 thousand branches throughout the country, in 83 constituent entities of the Russian Federation, located on the territory of 11 time zones. As of May 01, 2016, Sberbank has 94 branches in the Russian Federation, it also has one branch abroad in New Delhi (India), 11,736 additional offices and about 4,500 other domestic structural divisions. But, for example, four years earlier (as of January 01, 2012) Sberbank of Russia had 524 branches in the territory of the Russian Federation. The reduction in the number of Sberbank branches is due to the optimization of the organizational structure the largest bank Russian Federation.
In Russia alone, Sberbank has more than 110 million customers - more than half of the country's population, and about 11 million people use Sberbank's services abroad
The management of Sberbank of Russia is based on the corporate principle in accordance with the Corporate Governance Code approved by the annual General Meeting of the Bank's Shareholders in June 2002. The governing bodies of the Bank are: the general meeting of shareholders - the supreme governing body of the Savings Bank of Russia. On the general meeting shareholders make decisions on the main issues of the Bank's activities. Supervisory Board consisting of 17 directors, including 11 representatives of the Bank of Russia, 2 representatives of the Savings Bank of Russia and 4 independent directors. The Board of the Bank consists of 23 members. The Bank's Management Board is headed by the President, Chairman of the Bank's Management Board. All management bodies of the Bank are formed on the basis of the Charter of the Savings Bank of Russia and in accordance with the legislation of the Russian Federation. The main purpose of the Bank's activities is to raise funds from individuals and legal entities, to carry out credit and settlement and other banking operations and transactions with individuals and legal entities for profit.
The range of Sberbank services for retail clients is as wide as possible: from traditional deposits and various types of lending to bank cards, money transfers, bank insurance and brokerage services. All retail loans at Sberbank are issued using the Loan Factory technology, which was created for efficient assessment credit risks and ensuring the high quality of the loan portfolio.
In an effort to make the service more convenient, modern and technologically advanced, every year Sberbank improves the possibilities of remote management of customer accounts. The bank has created a system of remote service channels, which includes:
Online banking "Sberbank Online" (more than 13 million active users);
Sberbank Online mobile applications for smartphones (more than 1 million active users);
SMS service « Mobile bank» (more than 17 million active users);
One of the world's largest networks of ATMs and self-service terminals (more than 86 thousand devices).
Sberbank is the largest issuer of debit and credit cards. joint bank, created by Sberbank and BNP Paribas, is engaged in POS lending under the Cetelem brand, using the concept of "responsible lending". Sberbank's clients include more than 1 million enterprises (out of 4.5 million registered legal entities in Russia). The bank serves all groups of corporate clients, with small and medium-sized companies accounting for more than 35% of the bank's corporate loan portfolio. The rest is lending to large and largest corporate clients. Sberbank today is a team of more than 260,000 qualified employees working to turn the bank into the best service company with world-class products and services.
Now let's turn to the consolidated annual data compiled in accordance with international financial reporting standards. Based on the data in Appendix 1, we will analyze the volume and dynamics of assets, equity, liabilities - in general and by main elements. In general, the number of assets as of December 31, 2015 increased by 8.46% compared to the previous year and amounted to 27,334.7 billion rubles. In the total amount of assets as of the end of 2015, their predominant part (68.5%) is loans and advances to customers, which is 1.96% less than last year.
After analyzing the dynamics of Sberbank's assets (Fig. 5) for the period 2010-2015, we can conclude that the bank's assets are subject to positive dynamics due to the growth of the bank's own capital and the increase in depositors' funds.
Figure 5
The bank's own funds, according to reporting data, as of December 31, 2014, amounted to 2020.1 billion rubles, as of the same date in 2015, own funds increase, demonstrating an increase of 17.6% - 2375 billion rubles. Most of the structure of equity accounts for retained earnings- 85.1% at the end of 2014 and 3.62% less at the end of 2015 - 81.48%. The value of the authorized capital remained equal to 87.7 billion rubles, but its share in equity changed, as of December 31, 2014 - 4.34%, while on the same date in 2015 its share decreased to 3.69 %.
Sberbank's liabilities at the end of the reporting period increased by 1,779 billion rubles compared to the previous year, their value amounted to 24,959.7 billion rubles, showing an increase of 7.67%. This change is largely due to the growth of funds of individuals (Fig. 6) and the increase in other financial liabilities. Funds of individuals demonstrate positive dynamics in the period from 2010-2015. At the end of 2015, their value is 48.25% of all liabilities, they reached the value of 12043.7 billion rubles, which is 29.1% more than in the previous period.
Other financial liabilities increased by 273.9 billion rubles, showing an increase of 61.62%. The share of other financial liabilities in the total structure of the bank's liabilities at the end of 2014 was 1.92%, while at the end of 2015 this value increased to 2.88%.
Figure 6
Based on the data in Appendix 2, we will analyze the volume and dynamics of profit, the main types of income and expenses of the bank. The volume of profit for 2015 is 222.9 billion rubles, which is 67.4 billion rubles. less than in previous year. Based on the graph of the volume of profit, it should be noted that starting from 2013, its negative dynamics has been observed.
Figure 7 Figure 8
This phenomenon is caused by a decrease in net interest income, as well as an increase in operating expenses and expenses related to insurance and pension fund activities.
Dynamics of operating expenses and income of Sberbank PJSC
Today Sberbank of Russia is largest bank Russian Federation and Central and of Eastern Europe, occupies a leading position in the main segments financial market Russia and is one of the twenty largest banks in the world in terms of capitalization. Sberbank today is the circulatory system of the Russian economy, a third of it banking system. The bank gives a job and a source of income to every 150th Russian family.
Figure 9
The leader of the Russian banking sector in terms of total assets accounts for 28.7% of total banking assets (as of January 1, 2016). The Bank is the main creditor of the Russian economy and holds the largest share in the deposit market. It accounts for 46% of household deposits, 38.7% of loans to individuals and 32.2% of loans to legal entities.
consumer credit sberbank russia
Work report
Summary of the first task
Federal Law No. 353-FZ of December 21, 2013 (as amended on July 21, 2014) “On Consumer Credit (Loan)” regulates relations arising in connection with the provision consumer credit(loan) to an individual for purposes not related to the implementation entrepreneurial activity, based loan agreement, the loan agreement and the execution of the relevant agreement. It does not apply to relations arising in connection with the provision of a consumer credit (loan), the borrower's obligations under which are secured by a mortgage. Customer credit assumes that the participants in legal relations are an individual and banking organization. To a greater extent, the law is designed to protect the borrower and takes into account his interests, but there are also provisions that are beneficial to creditors.
This law is very important for the functioning of the banking sector of our country. From the point of view of control over the risks of banking activities, the law is very significant, as it ensures not only the protection of financial market participants, but also the stability of the banking system, thanks to a strict supervision system carried out by the Central Bank of the Russian Federation, and failure to comply with the prescribed norms entails a system of penalties .
The results of the second task - a study of the banking sector of St. Petersburg
Almost all major companies operate in St. Petersburg Russian banks(top 30 according to the Central Bank of the Russian Federation), whose total assets cover 79.3% of the assets of the banking system. The top 30 includes three KOs registered in the region. The majority of Russian CIs focused on the development of a branch network tend to work in St. Petersburg: there are 115 branches of banks operating in the city, the parent organizations of which are registered in other regions of the Russian Federation. The dense concentration in the region of the structural divisions of the country's largest banks corresponds to its economic importance as the second metropolitan metropolis, which is the region of presence for 152 banks. Thus, we can conclude that the degree of development of the banking sector in the region is quite high. Over the past 9 years in St. Petersburg, as in many other regions of the Russian Federation, there has been a decrease in the number of credit institutions, which is associated with the tightening of the requirements of the Central Bank, as a result of which many banks lost their licenses or closed themselves.
The results of the third task - analysis of the activities of PJSC "Sberbank of Russia"
To ensure the stability of the banking system, the Central Bank of the Russian Federation establishes a number of economic standards, that is, certain coefficients with a given level.
Centrally established economic standards include the following indicators:
By means of economic standards, firstly, the absolute and relative level of equity capital of a credit institution is regulated, secondly, the liquidity of the balance sheet, thirdly, the diversification of active and passive operations of a credit institution, financial stability the banking system as a whole. The data are shown in table 1.
In order to comply with these economic standards, a system of analysis and control is being created in credit institutions. A similar work is done by a group of analysts, who develop special methods of analysis.
Analysis of economic standards is carried out in the following areas:
At the first stage of the analysis, a table is compiled that characterizes the actual level of economic standards in comparison with its limit value (Appendix. D).
At the second stage, the compliance of each indicator with its normative level is checked.
At the next stage, a factor-by-factor analysis of significant deviations is carried out. With a stable negative trend, such an analysis is carried out for a number of dates in order to identify the causes of deviations.
Table 1
Mandatory standards for the activities of PJSC Sberbank of Russia for 2013-2015
|
Index |
standard |
||||
|
Bank's own funds (capital) adequacy ratio |
|||||
|
Bank instant liquidity ratio |
|||||
|
Bank's current liquidity ratio |
|||||
|
Bank's long-term liquidity ratio |
|||||
|
Maximum exposure per borrower or group of related borrowers |
|||||
|
Maximum size of large credit risks |
|||||
|
The maximum amount of loans, bank guarantees and guarantees provided by the bank to its participants (shareholders) |
|||||
|
Aggregate exposure to bank insiders |
|||||
|
Normative use of own funds (capital) of the bank for the acquisition of shares (stakes) of other legal entities |
The analysis of the state of capital is considered in conjunction with the analysis of the indicator characterizing capital adequacy (N 1).
The capital adequacy ratio (N 1) is due to its two components: the amount of equity capital and the amount of the total risk of assets. The impact of these components on the considered normative coefficient vice versa: the capital adequacy ratio increases with an increase in the amount of equity capital and decreases with an increase in the risk of assets. The minimum value of the coefficient is 10% as of December 31, 2013 - 12.6%, as of December 31, 2014 - 12.9%, as of December 31, 2015 - 13.1%.
Analysis of liquidity ratios begins with the indicator H 2. Its level depends on the volume total amount liquid assets (cash and assets up to 30 days) and the amount of liabilities on demand accounts and for up to 30 days. Criteria level - 15% as of December 31, 2013 - 61.4%, as of December 31, 2014 - 53.6%, as of December 31, 2015 - 55.9%.
Along with the indicator of current liquidity (N 2), in accordance with the Instruction of the Central Bank of the Russian Federation No. 1, an indicator of instantaneous liquidity of the bank (N 3) is introduced, which is defined as the ratio of highly liquid (money in cash and non-cash form) assets to fast-moving demand deposits. The minimum allowable value of 50% as of 12/31/2013 is 74.3%, as of 12/31/2014 - 58.5%, as of 12/31/2015 - 62.8%.
The long-term liquidity of the bank is characterized by the indicator H 4. It is calculated as the ratio of long-term loans (for a period of more than one year) to the bank's equity and liabilities with a maturity of more than one year. The maximum value is set within 120%. As of December 31, 2013 - 99.8%, as of December 31, 2014 - 102.5%, as of December 31, 2015 - 88.2%.
One of the methods of regulating the activities of credit institutions, which has been developed recently. It is the limitation of large risks.
In this regard, the Instruction of the Central Bank of the Russian Federation No. 1 provides for a number of indicators (N 6, N 7, N 9.1, N 10.1), which regulate the maximum amount of individual active, passive, off-balance sheet operations by credit institutions.
The H6 coefficient characterizes maximum size risk per borrower, as well as a group of economically or legally related borrowers. It is calculated as the ratio of the total amount of loans issued by a credit institution to one borrower or a group of related borrowers, as well as guarantees provided to one borrower (a group of related borrowers) to the volume of own funds of a credit institution.
A bank with a larger amount of equity capital may increase the maximum loan amount issued to one client or a group of related clients. The maximum allowable value is 25%, as of December 31, 2013 - 16.7%, as of December 31, 2014 - 17.3%, as of December 31, 2015 - 23.4%.
The coefficient H 7 limits the maximum risk of all large loans. At the same time, the total loan debt of one borrower or a group of related borrowers, taking into account 50% of the amounts of off-balance sheet liabilities, exceeding 5% of the equity capital of a credit institution is considered large.
This indicator is defined as the ratio of the sum of all large loans in the bank's portfolio to the volume of its own capital. The criterion level is 800%. The indicators of Sberbank of Russia amounted to 141.1% as of December 31, 2013, 128.8% as of December 31, 2014, and 157.5% as of December 31, 2015.
Ratios N9.1 and N10.1 limit the maximum amount of loans, guarantees and guarantees provided by the bank to its participants (shareholders). Indicator H9.1 reflects the maximum risk per shareholder (shareholder) of the bank; indicator H10.1 - the maximum risk to its insiders, that is, individuals who are either shareholders (have more than 5% of shares), or directors and members of the board, members credit committee etc. and having or had previously been related to the issues of issuing loans.
Indicator H9.1 is calculated as the ratio of the total amount of the bank's claims in rubles and foreign currency (including off-balance sheet) in respect of one shareholder (shareholder) to the bank's equity capital. Cannot exceed: 50%. As of December 31, 2013 - 0.0%, as of December 31, 2014 - 0.0%, as of December 31, 2015 - 21.8%.
Indicator H10.1 is defined as the ratio of the total amount of claims (including off-balance sheet) of a credit institution in rubles and foreign currency in respect of one insider of the credit institution and related persons to the bank's equity capital. The value cannot exceed: 3%. As of December 31, 2013 - 1.0%, as of December 31, 2014 - 1.1%, as of December 31, 2015 - 1.7%.
For the first time in Russia, an indicator is introduced that limits the share of using the bank's own capital for the acquisition of shares (shares) of other legal entities. This indicator is H12, calculated as the ratio of the amount of invested and own funds of a credit institution. Investment is understood as the acquisition by the bank of participation interests and shares of other legal entities, the maximum allowable value of H12 is set at 25%. As of December 31, 2013 - 0.8%, as of December 31, 2014 - 0.9%, as of December 31, 2015 - 0.0%.
Thus, based on the given data, we can conclude that no indicator exceeds the maximum / minimum allowable value. And, therefore, there is reason to believe that today Sberbank of Russia is a financially stable and prosperous Bank. For a more complete analysis, we will calculate and evaluate the financial solvency ratios of profitability.
Instant liquidity ratio (K1):
For 2013:
For 2014:
For 2015:
Level of earning assets (K2):
For 2013:
For 2014:
For 2015:
General stability coefficient (K4):
For 2013:
For 2014 year:
For 2015:
Return on assets (K5):
For 2013:
For 2014:
For 2015:
Capital adequacy ratio (K6):
For 2013:
For 2014:
For 2015:
Total liquidity ratio (K7):
For 2013:
For 2014:
For 2015:
Rate of return on capital:
For 2013:
For 2014:
For 2015:
This ratio shows how effectively the funds of the owners were used. The optimal value is 0.1-0.2. For our example, the values do not fall within this interval only for 2015, which indicates that the funds of the owners are not used efficiently:
Return on assets ratio:
For 2013:
For 2014:
For 2015:
This ratio reflects the efficiency of bank management and shows how much profit was brought by one currency unit of the bank's funds invested in assets, that is, the effectiveness of the bank's placement of its own and borrowed funds. Correlating the profit with the value of the bank's assets, we can judge the effectiveness of the investment policy pursued by the bank's management.
In turn, the profit of assets is directly dependent on the return on assets (Р3) and the share of profit in the bank's income (Р4).
Return on bank assets:
For 2013:
For 2014:
For 2015:
The return on assets is characterized by the activity of the bank in terms of asset allocation, that is, the ability to create income.
The coefficient of the share of profit in the income of the bank:
For 2013:
For 2014:
For 2015:
The calculation of the coefficients is presented in table 2.
From table 9, we can conclude about the solvency of the Bank. So the instant liquidity ratio (K1) was 2.9 for 2013; for 2014 - 3.9; for 2015 - 3.2, the standard for this indicator should exceed 0.15. therefore, on the basis of the given data, it can be concluded that the Bank can repay a share of the necessary liabilities on demand from available liquid funds.
The level of earning assets (K2) for the analyzed period corresponded to an average value of 0.81, while the standard for this indicator is 0.65-0.75. . Although such a value of earning assets contributes to obtaining high incomes, however, this is a very high risk of bad loans.
The coefficient of general stability (K4) for the analyzed period increased, that is, by December 31, 2013-0.56, by December 31, 2014-0.60, by December 31, 2015-0.65. This is a negative trend for this indicator, since this ratio allows you to compare the multidirectional flows of received and paid funds, which should be covered from the income received, and if their number is not sufficient, the Bank is characterized as inefficient. Therefore, if the coefficient exceeds 1, then the work of Sberbank will be inefficient.
table 2
Coefficients characterizing the financial state of PAO"Sberbank of Russia" for 2013-2015
|
Index |
Standard values |
||||
|
1. Instant liquidity ratio |
More than 0.15 |
||||
|
2. Level of earning assets |
|||||
|
3. General stability coefficient |
tends to 1.0 |
||||
|
4. Return on assets |
|||||
|
5. Capital adequacy ratio |
The bigger, the better |
||||
|
6. Full liquidity ratio |
Greater than or equal to 1.05 |
||||
|
7. Rate of return on capital |
|||||
|
8. Return on assets |
|||||
|
9. Rate of return on assets |
|||||
|
10. The coefficient of the share of profit in the income of the bank |
The return on assets (K5) amounted to 0.019 as of December 31, 2013, 0.011 as of December 31, 2014, and 0.008 as of December 31, 2015. the standard for this coefficient is 0.005-0.065. Based on the data presented, it can be concluded that the Bank does not expose itself to significant risk. This is a positive factor, most likely the Bank successfully disposes of its assets, but when the threshold of 0.65 is reached, potentially large losses are not ruled out.
The capital adequacy ratio (K6) for the analyzed period averaged 0.60, since the standard for this indicator is not limited, the higher the ratio, the better, it is enough that the liabilities do not exceed 90% of the balance sheet. In our case, this coefficient is acceptable.
Full liquidity ratio (K7) characterizes the balance of the active and passive policy of the bank to achieve optimal liquidity. The indicators fully comply with the specified standard, therefore, we conclude that correct use Bank of funds.
Considering the rate of return on capital (P1), we see how effectively own funds are used. This indicator is considered normal if it fits within the value of 0.1-0.2. As of December 31, 2013 - 0.2, December 31, 2014 - 0.1, December 31, 2015 - 0.1. As we can see, initially there was a positive trend for this ratio, but as soon as the Bank's profit decreased, this indicator noticeably changed its course, and now we can say that the Bank began to use its funds inefficiently.
The profitability ratio of assets (P2) reflects the efficiency of bank management and shows how much profit was brought by one monetary unit of the bank's funds invested in assets. During the analyzed period, this indicator had a positive trend. This indicates an effective investment in assets.
The return on assets of a bank (P3) characterizes the return on assets in terms of asset placement, that is, the ability to create income. This indicator amounted to 0.02 as of December 31, 2013, 0.01 on December 31, 2014, and 0.01 on December 31, 2015. The standard for this coefficient has not been established, so we can conclude that it is acceptable.
The coefficient of the share of profit in the bank's income (P4) is also not limited by the standards, but it is known that the share of liabilities should not exceed 90%. Therefore, from the indicators as of December 31, 2013 - 1.15, December 31, 2014 - 1.35, December 31, 2015 - 0.61, we can conclude that in the first two analyzed years, Sberbank increased the share of profit in the Bank's income, but in 2015 it is noticeable decline in profits.
In the second chapter, the organizational and economic characteristics of PJSC Sberbank Russia. The position of the Bank in various segments of the financial market, its share and position were determined. The impeccable reputation of Sberbank of Russia is confirmed by the high ratings of the leading rating agencies.
The main performance indicators were considered, such as the mandatory ratios and coefficients of Sberbank, which fully comply with the established standards.
Summing up the second chapter, we can say with confidence that PJSC Sberbank of Russia is a reliable and stable Bank and fully copes with its tasks.
The main performance indicators were considered, such as mandatory ratios and coefficients of Sberbank, which, despite minor deviations related to financial economic crisis, fully comply with the established standards.
Sberbank of Russia is the largest bank in the Russian Federation and the CIS. Its assets account for more than a quarter of the country's banking system (26%), and its share in banking capital is at the level of 30% (2015). Founded in 1841, Sberbank of Russia today is a modern universal bank, meeting the needs of various customer groups in a wide range of banking services. Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy.
In general, for the analyzed period activities of PJSC Sberbank is not entirely stable, since financial condition as of December 31, 2013 is significantly better than for the next two years. This can be related to:
A significant factor in the increase in net capital outflow by the private sector in 2014, along with an increase in foreign assets, was payments on external debt companies and banks in the face of narrowing opportunities for debt refinancing due to sanctions
But despite all these factors, by the end of 2015 the financial condition of the bank is getting much better. This improvement is noticeable in the quarterly breakdown of the main income statement indicators, which shows that net income, starting from the 3rd quarter of 2014, shows a negative growth trend and in the 1st quarter of 2015 its value reaches a critically low point of 30.6 billion rubles. This is two and a half times less than in 2013.
The increase in profit was due to operating income from the sale loan products customers who, despite unstable economic situation increased the bank's loan portfolio.
Summing up, we can say with confidence that PJSC Sberbank of Russia is a reliable and stable Bank and fully copes with the tasks set.
Today, Sberbank of Russia is the largest bank in the Russian Federation and in Central and Eastern Europe, it occupies a leading position in the main segments of the Russian financial market and is among the twenty largest banks in the world in terms of capitalization. Sberbank today is the circulatory system of the Russian economy, a third of its banking system. The bank provides a job and a source of income for every 150th Russian family. The leader of the Russian banking sector in terms of total assets accounts for 28.7% of total banking assets (as of January 1, 2016). The Bank is the main creditor of the Russian economy and holds the largest share in the deposit market. It accounts for 46% of household deposits, 38.7% of loans to individuals and 32.2% of loans to legal entities.
Sberbank today is 16 territorial banks and more than 16.5 thousand branches in 83 constituent entities of the Russian Federation located on the territory of 11 time zones. The number of retail clients of Sberbank in Russia exceeds 127 million people and 10 million outside of it, the number of corporate clients of the Group is more than 1.1 million in 22 countries of presence.
