Russia (bbabo.net), - Sberbank summed up the financial results for 2021 according to Russian reporting standards. Last year was very successful for Russia's largest bank. Thanks to the growth of the Russian economy and consumer activity of the population, Sberbank issued a record amount of loans over the year - more than 20 trillion rubles. At the end of 2021, its net profit grew 1.7 times to a record 1.2 trillion rubles, while the return on equity was 25%.
The pace of issuing loans was influenced not only by the economic situation, but also by the active development of modern technologies by the bank. Now the number of Sber retail customers is 104 million people, while 73 million use the SberBank Online mobile application.
Simultaneously with the financial business, Sber successfully developed its ecosystem of non-financial services, which includes more than 65 companies. As a result, in a little over a year, Sber was able to gain almost 4.25 million SberPrime subscribers - a subscription that provides preferential terms for using various services.
Sber manages to maintain a clear drive in its business model, which is very important in today's economy. This opinion was expressed by Professor Konstantin Ordov, Head of the Department of Financial Markets of the Russian University of Economics. G.V. Plekhanov.
“The financial giant continues to pleasantly surprise us with new pas and fouettes,” the expert says. “At the same time, record profits in 2021 will result in record dividend payments to the Russian budget. In 2022, the bank intends to spend at least 50% of net profit on dividends , that is, the state can receive more than 300 billion rubles.At the same time, Sberbank performs a very significant social function in terms of the availability of financial services, such as consumer lending, including mortgages."
At the same time, adds Konstantin Ordov, Sberbank is the headliner not only of the Russian financial market, but also of the market of digital projects and ecosystems. It is very important to see not only today's successes, but also the opening prospect of conquering part of the digital world of the future.
“We come across the services of companies belonging to the Sber group much more often than many of us think,” the specialist notes. digital economy - Sber.
Associate Professor of the Department of Global Finance at the Financial University under the Government of the Russian Federation Lazar Badalov notes that the record profit of 1.2 trillion rubles received by Sberbank in 2021 is almost half of the entire forecasted profit of the Russian banking sector. And the profitability rate of 25% is one of the highest in the global banking industry.
“Of course, this result is facilitated by a significant position in the banking market, but it should be noted that this is not the only factor that allows you to get high profits,” comments Lazar Badalov. “Sberbank was able to turn into a major player in the IT sector, as modern technologies contribute to not only reduce costs, but also make the bank's services more in demand. For example, now it already has more than 73 users of the SberBank Online service, and the bank itself, thanks to this, occupies the main share in the card transfer market."
According to him, Sberbank attracts not only ordinary customers, but also investors who are ready to buy its shares and bonds. Moreover, if bonds guarantee only interest income, then in the case of shares, investors can count on dividend payments and growth in securities quotes. By the way, Sberbank shares last year started at a price of 280 rubles apiece, and at the peak they reached a price of 380 rubles.
Sber demonstrated excellent results that not only meet the expectations of experts, but even slightly exceeded them, - says Mikhail Perelman, Associate Professor of the Faculty of Economics and Management of the Moscow Regional Branch of the Russian Academy of National Economy and Public Administration under the President of the Russian Federation (RANEPA).
"We can say that last year was very successful for the bank," he says. "And in general, this is a positive signal, reflecting the recovery of the Russian economy and consumer activity of the population, as well as the revival of corporate lending, as evidenced by the record volume of loans issued - more 20 trillion rubles. It can be said that the bank remains one of the main beneficiaries of the economic recovery in the Russian Federation after last year's recession.
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