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

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

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| 2012 | 2011 | chng. | 2010 | 2009 | 2008
--- | --- | --- | --- | --- | --- | ---
For the year, RUB bln
Operating income before provisions | 920.8 | 736.3 | 25.1% | 648.0 | 635.1 | 435.6
Provision charge for loan impairment | (21.5) | 1.2 | — | (153.8) | (388.9) | (97.9)
Operating income | 899.3 | 737.5 | 21.9% | 494.2 | 246.2 | 337.7
Operating expenses | (451.4) | (341.8) | 32.1% | (264.1) | (216.3) | (207.8)
Profit before tax | 447.9 | 395.7 | 13.2% | 230.1 | 29.9 | 129.9
Net profit | 347.9 | 315.9 | 10.1% | 181.6 | 24.4 | 97.7
As of 31 December, RUB bln
Loans and advances to customers, net | 10,499 | 7,720 | 36.0% | 5,489 | 4,864 | 5,078
Loans and advances to customers before provision for loan impairment | 11,064 | 8,382 | 32.0% | 6,192 | 5,444 | 5,280
Total assets | 15,097 | 10,835 | 39.3% | 8,629 | 7,105 | 6,736
Due to individuals and corporate customers | 10,179 | 7,932 | 28.3% | 6,651 | 5,439 | 4,795
Total liabilities | 13,474 | 9,567 | 40.8% | 7,641 | 6,326 | 5,986
Total equity | 1,624 | 1,268 | 28.1% | 987 | 779 | 750
Per share, RUB per share
Basic and diluted earnings | 16.0 | 14.6 | 9.6% | 8.4 | 1.1 | 4.5
Dividends per ordinary share declared during the year | 2.1 | 0.9 | 133.3% | 0.1 | 0.5 | 0.5
Net assets per ordinary share | 75.2 | 58.7 | 28.1% | 45.7 | 36.1 | 34.8
Financial ratios, %
Profitability ratios
Return on assets (ROА) | 2.7 | 3.2 | -0.5 pp | 2.3 | 0.4 | 1.7
Return on equity (ROE) | 24.2 | 28.0 | -3.8 pp | 20.6 | 3.2 | 14.1
Spread (return on assets less cost of funds) | 5.8 | 6.1 | -0.3 pp | 5.9 | 7.1 | 6.5
Net interest margin (net interest income to average assets) | 6.1 | 6.4 | -0.3 pp | 6.4 | 7.6 | 6.9
Operating expenses to operating income before provisions | 49.0 | 46.4 | 2.6 pp | 40.9 | 34.1 | 47.7
Loans and advances to customers after provision for loan impairment to amounts due to individuals and corporate customers | 103.1 | 97.3 | 5.8 pp | 82.5 | 89.4 | 105.9
Capital adequacy ratios
Core capital ratio (Tier I) | 10.4 | 11.6 | -1.2 pp | 11.9 | 11.5 | 12.1
Total capital ratio (Tier I and Tier II) | 13.7 | 15.2 | -1.5 pp | 16.8 | 18.1 | 18.9
Equity to total assets | 10.8 | 11.7 | -0.9 pp | 11.4 | 11.0 | 11.1
Asset quality ratios, %
Non-performing loans to total loans outstanding | 3.2 | 4.9 | -1.7 pp | 7.3 | 8.4 | 1.8
Provision for loan impairment to non-performing loans (times) | 1.6 | 1.6 | 0.0 pp | 1.6 | 1.3 | 2.1
Provision for loan impairment to total gross loans to customers | 5.1 | 7.9 | -2.8 pp | 11.3 | 10.7 | 3.8

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