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Bank Saint Petersburg earned RUB 13.0 billion in 1Q 2024 

 

Bank “Saint Petersburg” summed results for 1Q 2024 according to International Financial Reporting Standards (IFRS). 

Key results of Bank Saint Petersburg according to the consolidated financial statements under IFRS for 1Q 2024:

  • Net interest income amounted to RUB 17.2 billion (+53.5% compared to Q1 2023);
  • Net fee and commission income amounted to RUB 2.7 billion (-25.4% compared to Q1 2023);
  • Net trading income amounted to RUB 2.2 billion (-62.5% compared to Q1 2023);
  • Revenues amounted to RUB 22.3 billion (+6.7% compared to Q1 2023);
  • Operating costs amounted to RUB 6.0 billion (-0.7% compared to Q1 2023) with Cost-to-Income Ratio stood at 26.8% (Cost-to-Income Ratio in 1Q 2023 amounted to 28.8%);
  • Net income amounted to RUB 13.0 billion (-10.9% compared to Q1 2023) and Return on Equity (ROAE) amounted to 29.0% (ROAE in 1Q 2023 amounted to 39.0%);
  • As of April 1, 2024, loan portfolio before provisions amounted to RUB 705.8 bn (+2.8% compared to January 1, 2024). Loans to corporate customers represented 77.7% of the loan portfolio, loans to individuals – 22.3%. Corporate loan portfolio has grown since the beginning of the year by 4.0% (+3.5% excl. currency revaluation) and amounted to RUB 548.3 bn. Retail loan portfolio grew by 0.2% and amounted to RUB 156.3 bn, incl. mortgage loans grew by 0.8%.
  • Loan portfolio quality. As of April 1, 2024, the share of problem loans was 4.4% (5.2% as of January 1, 2024). The rate of provisions for loan impairment amounted to 4.3% (5.0% as of January 1, 2024). Provision coverage of problem loans amounted to 96.6% (96.8% as of January 1, 2024). Cost of Risk stood at 0.1% in 1Q 2024.
  • As of April 1, 2024, customer deposits decreased by 0.4% since the beginning of the year and amounted to RUB 648.4 bn with 62.0% of customer deposits belonged to individuals and 38.0% – to corporate customers.
  • As of April 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 181.9 bn (+6.2% compared to January 1, 2024). The Bank’s Tier 1 capital amounted to RUB 156.6 bn (+0.2% compared to January 1, 2024). As of April 1, 2024, the Bank's Tier 1 capital adequacy ratio was 18.3% (18.6% as of January 1, 2024) and the Total capital adequacy ratio was 21.2% (20.3% as of January 1, 2024). The Tier 1 capital and the Tier 1 capital adequacy ratio do not include the Bank’s net profit for 1Q 2024.

 

The payment of FY 2023 dividends in the amount of RUB 10.4 bn would have an approximately 1.2 pp effect on Tier 1 capital adequacy ratio (N1.2). After payment of dividends, Tier 1 capital adequacy ratio would continue to significantly exceed the minimum level of 12% established in the Bank's Strategy.

1Q 2024 IFRS Financial Statements are available on the Bank’s website: 
https://www.bspb.ru/en/investors/financial-statements/IFRS

The Presentation on Financial Results under IFRS for 1Q 2024 is available at the following link: 
https://cloud.bspb.ru/index.php/s/pTqnBySGpWMseLq

Bank Saint Petersburg earned RUB 13.0 billion in 1Q 2024 

 

Bank “Saint Petersburg” summed results for 1Q 2024 according to International Financial Reporting Standards (IFRS). 

Key results of Bank Saint Petersburg according to the consolidated financial statements under IFRS for 1Q 2024:

  • Net interest income amounted to RUB 17.2 billion (+53.5% compared to Q1 2023);
  • Net fee and commission income amounted to RUB 2.7 billion (-25.4% compared to Q1 2023);
  • Net trading income amounted to RUB 2.2 billion (-62.5% compared to Q1 2023);
  • Revenues amounted to RUB 22.3 billion (+6.7% compared to Q1 2023);
  • Operating costs amounted to RUB 6.0 billion (-0.7% compared to Q1 2023) with Cost-to-Income Ratio stood at 26.8% (Cost-to-Income Ratio in 1Q 2023 amounted to 28.8%);
  • Net income amounted to RUB 13.0 billion (-10.9% compared to Q1 2023) and Return on Equity (ROAE) amounted to 29.0% (ROAE in 1Q 2023 amounted to 39.0%);
  • As of April 1, 2024, loan portfolio before provisions amounted to RUB 705.8 bn (+2.8% compared to January 1, 2024). Loans to corporate customers represented 77.7% of the loan portfolio, loans to individuals – 22.3%. Corporate loan portfolio has grown since the beginning of the year by 4.0% (+3.5% excl. currency revaluation) and amounted to RUB 548.3 bn. Retail loan portfolio grew by 0.2% and amounted to RUB 156.3 bn, incl. mortgage loans grew by 0.8%.
  • Loan portfolio quality. As of April 1, 2024, the share of problem loans was 4.4% (5.2% as of January 1, 2024). The rate of provisions for loan impairment amounted to 4.3% (5.0% as of January 1, 2024). Provision coverage of problem loans amounted to 96.6% (96.8% as of January 1, 2024). Cost of Risk stood at 0.1% in 1Q 2024.
  • As of April 1, 2024, customer deposits decreased by 0.4% since the beginning of the year and amounted to RUB 648.4 bn with 62.0% of customer deposits belonged to individuals and 38.0% – to corporate customers.
  • As of April 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 181.9 bn (+6.2% compared to January 1, 2024). The Bank’s Tier 1 capital amounted to RUB 156.6 bn (+0.2% compared to January 1, 2024). As of April 1, 2024, the Bank's Tier 1 capital adequacy ratio was 18.3% (18.6% as of January 1, 2024) and the Total capital adequacy ratio was 21.2% (20.3% as of January 1, 2024). The Tier 1 capital and the Tier 1 capital adequacy ratio do not include the Bank’s net profit for 1Q 2024.

 

The payment of FY 2023 dividends in the amount of RUB 10.4 bn would have an approximately 1.2 pp effect on Tier 1 capital adequacy ratio (N1.2). After payment of dividends, Tier 1 capital adequacy ratio would continue to significantly exceed the minimum level of 12% established in the Bank's Strategy.

1Q 2024 IFRS Financial Statements are available on the Bank’s website: 
https://www.bspb.ru/en/investors/financial-statements/IFRS

The Presentation on Financial Results under IFRS for 1Q 2024 is available at the following link: 
https://cloud.bspb.ru/index.php/s/pTqnBySGpWMseLq


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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