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Bank Saint Petersburg summed up preliminary results for FY 2023

 

Bank Saint Petersburg summarized its preliminary results for FY 2023 under RAS, excluding the effect of subsequent events (non-consolidated financials calculated in accordance with BSPB`s internal methodology).

 

The financials as at January 1, 2023 include the effect of the subsequent events; the financials as at January 1, 2024 do not include the effect of the subsequent events.

 

Financial highlights for FY 2023:

 

  • Net interest income amounted to RUB 50.7 bn (+27.3% compared with FY 2022);
  • Net fee and commission income amounted to RUB 12.7 bn (-11.1% compared with FY 2022);
  • Net trading income amounted to RUB 13.2 bn (-67.0% compared with FY 2022); 
  • Revenues amounted to RUB 75.6 bn (-20.0% compared with FY 2022);
  • Operating expenses amounted to RUB 22.5 bn (-2.9% compared with FY 2022); Cost-to-Income Ratio stood at 29.7% (24.5% for FY 2022).
  • Net income amounted to RUB 48.7 billion (+2.2% compared with FY 2022); Return on Equity (ROAE) amounted at 30.8% (38.9% for FY 2022).
  • Assets. At the end of FY 2023, for the first time the Bank’s assets exceeded RUB 1 trillion and amounted to RUB 1 056.6 bn (+26.3% compared to January 1, 2023).
  • As of  January 1, 2024 loan portfolio before provisions amounted to RUB 677.1 bn (+22.7% compared to January 1, 2023). Corporate loan portfolio amounted to RUB 519.3 bn (+26.7 compared to January 1, 2023). Loans to individuals grew by 11.1% and amounted to RUB 157.8 bn.
  • Loan portfolio quality. As of January 1, 2024, the share of the overdue loans amounted to 3.1% (5.1% as of January 1, 2023). Provision coverage ratio (total provisions / total overdue loans) is 151%.
  • Customer deposits, as of January 1, 2024, amounted to RUB 647.4 bn, remaining at the FY 2022 level, with 60% of customer deposits belonged to individuals, 40% – to corporate customers. 
  • As of January 1, 2024, the Bank’s total capital calculated in accordance with the methodology of the Central Bank of the Russian Federation (Basel III) amounted to RUB 173.4 bn (+22.3% compared to January 1, 2023). The Bank’s Tier 1 capital, as of January 1, 2024, amounted to RUB 107.0 billion (-15.1% compared to January 1, 2023). As a result Tier 1 capital adequacy ratio (N1.2) as of January 1, 2024 amounted to 12.7% (18.1% as of January 1, 2023), and the total capital adequacy ratio (N1.0) as of January 1, 2024 amounted to 20.6% (20.3% as of January 1, 2023). Before the audit, the Bank’s Tier 1 capital and the Bank's Tier 1 capital adequacy ratio do not include the Bank’s net profit for FY 2023.

Bank Saint Petersburg summed up preliminary results for FY 2023

 

Bank Saint Petersburg summarized its preliminary results for FY 2023 under RAS, excluding the effect of subsequent events (non-consolidated financials calculated in accordance with BSPB`s internal methodology).

 

The financials as at January 1, 2023 include the effect of the subsequent events; the financials as at January 1, 2024 do not include the effect of the subsequent events.

 

Financial highlights for FY 2023:

 

  • Net interest income amounted to RUB 50.7 bn (+27.3% compared with FY 2022);
  • Net fee and commission income amounted to RUB 12.7 bn (-11.1% compared with FY 2022);
  • Net trading income amounted to RUB 13.2 bn (-67.0% compared with FY 2022); 
  • Revenues amounted to RUB 75.6 bn (-20.0% compared with FY 2022);
  • Operating expenses amounted to RUB 22.5 bn (-2.9% compared with FY 2022); Cost-to-Income Ratio stood at 29.7% (24.5% for FY 2022).
  • Net income amounted to RUB 48.7 billion (+2.2% compared with FY 2022); Return on Equity (ROAE) amounted at 30.8% (38.9% for FY 2022).
  • Assets. At the end of FY 2023, for the first time the Bank’s assets exceeded RUB 1 trillion and amounted to RUB 1 056.6 bn (+26.3% compared to January 1, 2023).
  • As of  January 1, 2024 loan portfolio before provisions amounted to RUB 677.1 bn (+22.7% compared to January 1, 2023). Corporate loan portfolio amounted to RUB 519.3 bn (+26.7 compared to January 1, 2023). Loans to individuals grew by 11.1% and amounted to RUB 157.8 bn.
  • Loan portfolio quality. As of January 1, 2024, the share of the overdue loans amounted to 3.1% (5.1% as of January 1, 2023). Provision coverage ratio (total provisions / total overdue loans) is 151%.
  • Customer deposits, as of January 1, 2024, amounted to RUB 647.4 bn, remaining at the FY 2022 level, with 60% of customer deposits belonged to individuals, 40% – to corporate customers. 
  • As of January 1, 2024, the Bank’s total capital calculated in accordance with the methodology of the Central Bank of the Russian Federation (Basel III) amounted to RUB 173.4 bn (+22.3% compared to January 1, 2023). The Bank’s Tier 1 capital, as of January 1, 2024, amounted to RUB 107.0 billion (-15.1% compared to January 1, 2023). As a result Tier 1 capital adequacy ratio (N1.2) as of January 1, 2024 amounted to 12.7% (18.1% as of January 1, 2023), and the total capital adequacy ratio (N1.0) as of January 1, 2024 amounted to 20.6% (20.3% as of January 1, 2023). Before the audit, the Bank’s Tier 1 capital and the Bank's Tier 1 capital adequacy ratio do not include the Bank’s net profit for FY 2023.


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© 1990 – 2024 ПАО «Банк «Санкт-Петербург». Генеральная лицензия Банка России на совершение банковских операций №436 от 31.12.2014.

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Раскрытие информации
Информация обязательная к размещениюИнформация о процентных ставках по договорам банковского вклада с физическими лицамиРаскрытие информации профучастника рынка ценных бумагРаскрытие информации на сайте ООО «Интерфакс-ЦРКИ»


ПАО «Банк «Санкт-Петербург» использует файлы cookie для персонализации сервисов и удобства пользователей. Cookie содержат обезличенную информацию о прошлых посещениях сайта банка. Вы можете отключить сбор cookie в настройках браузера.

На информационном ресурсе применяются рекомендательные технологии. Подробнее. 

© 1990 – 2024 ПАО «Банк «Санкт-Петербург». Генеральная лицензия Банка России на совершение банковских операций №436 от 31.12.2014.

Разработано в MobileUp