13.10.2020

Bank Saint Petersburg earned record-breaking RUB 6.5 bn in 9M 2020

Bank Saint Petersburg summarized its performance for 9M 2020 under RAS (financials in press-release calculated in accordance with BSPB`s internal methodology operational as at release publication date).

Financial highlights for 9M 2020:

- Net Income for 9M 2020 amounted to RUB 6.5 bn (+82.3% compared with 9M 2019);

- Net Interest Income for 9M 2020 amounted to RUB 17.9 bn (+14.2% compared with 9M 2019);

- Net Fee and Commission Income for 9M 2020 amounted to RUB 5.2 bn (+11.5% compared with 9M 2019);

- Loans to corporates in 9M 2020 increased by 18.8% and amounted to RUB 354.2 bn;

- Tier 1 capital adequacy ratio (N1.2) as of October 1, 2020 amounted to 9.8%, the total capital adequacy ratio (N1.0) amounted to 13.1%;

Bank Saint Petersburg is ranked 15th in terms of assets and 15th in terms of retail deposits among the Russian banks (Interfax ranking). As of October 1, 2020, the Bank provides services to 2 042 000 individuals and 50 000 corporates; the number of cards issued by the Bank is 1 504 000; the Bank’s ATM network comprised of 806 ATMs. At present Internet Bank is used by 1 440 000 clients.

Results summary for 9M 2020

Net Interest Income for 9M 2020 amounted to RUB 17.9 bn (+14.2% compared with 9M 2019) including RUB 6.1 bn for the 3Q 2020 (+0.9% compared with 3Q 2019).

Net Fee and Commission Income for 9M 2020 increased by 11.5% compared with 9M 2019 and amounted to RUB 5.2 bn including RUB 1.9 bn for the 3Q 2020 (+11.6% compared with 3Q 2019).

Net Trading income for 9M 2020 amounted to RUB 4.6 bn (RUB 0.4 bn loss for 9M 2020), including RUB 2.6 bn for 3Q 2020 (RUB 0.4 bn loss for 3Q 2020) .

Revenues for 9M 2020 amounted to RUB 28.8 bn (+41.8% compared with 9M 2019) including RUB 10.6 bn for the 3Q 2020 (+43.9% compared with 3Q 2019).

Operating expenses for 9M 2020 amounted to RUB 10.1 bn (+13.1% compared with 9M 2019) including RUB 3.2 bn for the 3Q 2020 (+11.7% compared with 3Q 2019).  

Provisions for 9M 2020 amounted to RUB 10.1 bn (+69.3% compared with 9M 2019) including RUB 3.8 bn for the 3Q 2020 (+89.2% compared with 3Q 2019). 

Net Income for 9M 2020 increased by 82.3% compared with 9M 2019 and amounted to RUB 6.5 bn. Net Income for 3Q 2020 increased by 53.2% compared with 3Q 2019 and amounted to RUB 2.2 bn.

Bank’s assets amounted to RUB 716.6 bn as of October 1, 2020 (+7.4 % compared with January 1, 2020; +7.3% compared with July 1, 2020).

Liabilities. As of October 1, 2020, customer deposits totalled RUB 476.3 bn (+14.5% compared with January 1, 2020; +10.2% compared with July 1, 2020; +8.6% and +7.3% net of ForEx revaluation correspodingly). The corporate customer deposits amounted to RUB 212.4 bn (+25.4% compared with January 1, 2020; +15.2% compared with July 1, 2020; +20.1% and +12.7% net of ForEx revaluation correspodingly). Retail customer deposits amounted to RUB 263.9 bn (+7.1% compared with January 1, 2020; +6.6% compared with July 1, 2020; +0.7% and +3.3% net of ForEx revaluation correspodingly).

As of October 1, 2020, the Bank’s total capital calculated under the CBR regulations (Basel III) amounted to RUB 85.2 bn (+4.2% compared with January 1, 2020, -2.3% compared with July 1, 2020). As of October 1, 2020, the Bank’s Tier 1 capital remained at the January 1, 2020 as well as July 1, 2020 level and stood at RUB 63.3 bn.

As a result, the Tier 1 capital adequacy ratio (N1.2) as of October 1, 2020 amounted to 9.8% (required regulatory minimum is 6.0%) and the total capital adequacy ratio (N1.0) as of October 1, 2020 amounted to 13.1% (required regulatory minimum is 8.0%).

Loan portfolio totalled RUB 465.0 bn as of October 1, 2020 (+16.1% compared with January 1, 2020; +11.7% compared with July 1, 2020; +12.2% and +9.8% net of ForEx revaluation correspodingly). Corporate loan portfolio amounted to RUB 354.2 bn (+18.8% compared with January 1, 2020; +13.7% compared with July 1, 2020; +13.8% and +11.2% net of ForEx revaluation correspodingly). Loans to individuals amounted to RUB 110.8 bn (+8.0% compared with January 1, 2020; +5.8% compared with July 1, 2020; +7.7% and +5.6% net of ForEx revaluation correspodingly). As of October 1, 2020, the share of the overdue loans amounted to 5.2% (5.3% as of January 1, 2020; 5.3% as of July 1, 2020).

You can familiarize yourself with the supplementary financial information here.

Tags: IR News

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17.01.2008 Appointment of a Deputy Chairman

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22.11.2007 Deputy Chairman for the Regional Network Development was appointed

15.11.2007 Fitch changed the outlook of the Bank’s rating to “Positive”

12.11.2007 The Bank launched a new website

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21.09.2007 The Prospect of the Bank’s securities was registered

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07.09.2007 Amendments to the Bank's Charter

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26.07.2007 Meeting of the Supervisory Council

17.07.2007 The Bank issued the Eurobonds

16.07.2007 The Bank's own equity grew 45% in the 1st half-year

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09.07.2007 Fitch confirmed the Bank's ratings

02.07.2007 The Bank raised US$100m

22.06.2007 The Bank opened a Mortgage Center

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07.06.2007 Nordic Investment Bank issued the Bank a long-term credit line of 20 mln Euro

06.06.2007 Bonds of OOO "Rubezh-Plus Region" were placed in full

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01.06.2007 The Head Territorial Office of the Central Bank of the RF for Moscow approved Tatiana Bogdanovich as a Director of the Bank

18.05.2007 The General Meeting of Shareholders

07.05.2007 Moody's Investors Service raised the Bank's ratings on 4th May 2007

25.04.2007 The Bank issued a mandate for a syndicated loan

23.04.2007 The report on the Bank's additional issue was registered

19.04.2007 The Bank became a laureate of the Builder of the Year - 2006

18.04.2007 Tatiana Bogdanovich was appointed as a director of the Bank

12.04.2007 The Bank's results (as of 01.04.2007)

11.04.2007 The Bank opened three new offices

06.04.2007 The Bank issued a loan to the company "MST"

16.03.2007 The Bank acts as a guarantor before the customs authorities

21.02.2007 The Bank's Prize Drawing

16.02.2007 The Bank began to issue VISA INFINITE cards

15.02.2007 The Bank lowered its mortgage loan interest rates

31.01.2007 New mortgage program of Bank "Saint Petersburg"

23.01.2007 Bank "Saint Petersburg" summarized its performance in 2006