Sector: Financial Services
RU_BSPB
Shares: connector/market_inputs
Monetary columns are in B RUB, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeB RUB | Net profitB RUB | AssetsB RUB | EquityB RUB | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-03-31 | Q1 2026 (3M) | OK | 18.4 y/y -7.8% | 10.9 y/y -29.7% | 1392.8 y/y 21.8% | 227.8 y/y 5.0% | 19.6% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 18.7 y/y -3.4% | 4.4 y/y -66.4% | 1305.8 y/y 14.8% | 217.4 y/y 7.9% | 17.2% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 19.6 y/y 13.2% | 8.8 y/y -33.9% | 1353.3 y/y 30.4% | 221.6 y/y 10.4% | 5.4% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 19.5 y/y 17.0% | 9.1 y/y -19.2% | 1252.6 y/y 16.5% | 212.9 y/y 13.4% | 17.0% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 19.9 y/y 15.8% | 15.5 y/y 19.3% | 1143.3 y/y 12.9% | 217.0 y/y 16.1% | 29.7% | Report (PDF) |
| 2024-12-31 | Q4 2024 (3M) | OK | 19.3 y/y 20.3% | 13.2 y/y -32.4% | 1137.4 y/y 7.6% | 201.4 y/y 15.8% | 25.3% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 17.3 y/y 37.0% | 13.3 y/y — | 1037.8 y/y 7.4% | 200.7 y/y 17.4% | 9.1% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 16.7 y/y 53.1% | 11.3 y/y -17.8% | 1074.8 y/y 24.8% | 187.8 y/y 15.2% | 24.1% | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 17.2 y/y 53.5% | 13.0 y/y -11.0% | 1012.5 y/y 21.0% | 186.9 y/y 17.3% | 28.9% | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 16.1 y/y — | 19.6 y/y — | 1057.3 y/y — | 173.9 y/y — | 27.4% | Report (PDF) |
| 2023-09-30 | Q3 2023 (3M) | OK | 12.7 y/y — | -0.6 y/y — | 966.0 y/y — | 171.0 y/y — | -0.5% | Report (PDF) |
| 2023-06-30 | Q2 2023 (3M) | OK | 10.9 y/y — | 13.7 y/y — | 861.3 y/y — | 163.0 y/y — | 34.1% | Report (PDF) |
| 2023-03-31 | Q1 2023 (3M) | OK | 11.2 y/y — | 14.6 y/y — | 836.7 y/y — | 159.3 y/y — | — | Report (PDF) |
IFRS decomposition: interest, fee and trading result with provisions, costs and the recurring/non-recurring profit split (bn RUB). Source: eninvs.com.
| Item, bn RUB | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 84.7 | 154 | 203 | +32% |
| Interest expense | -33.8 | -83.6 | -126 | -50% |
| Net interest income | 50.8 | 70.6 | 77.8 | +10% |
| Credit-loss provisions | 10.4 | -5.3 | -15.9 | -197% |
| NII after provisions | 61.2 | 65.2 | 61.9 | -5% |
| Fee & commission income | 15.3 | 14.4 | 14.8 | +3% |
| Fee & commission expense | -2.8 | -2.8 | -3.1 | -9% |
| Net fee & commission income | 12.5 | 11.6 | 11.8 | +2% |
| Financial instruments & investment result | 0.6 | 0.0 | 0.6 | +3226% |
| Other operating income, net | 0.3 | -25.9 | — | |
| Operating income | 66.1 | 85.0 | 92.6 | +9% |
| Administrative & other expenses (SG&A) | -23.6 | -25.9 | -30.4 | -17% |
| Profit before tax | 61.2 | 62.7 | 51.7 | -18% |
| Income tax | -13.9 | -11.9 | -13.9 | -16% |
| Net profit | 47.3 | 50.8 | 37.8 | -25% |
| of which recurring | 46.8 | 50.8 | 37.4 | -26% |
| of which non-recurring | 0.5 | 0.0 | 0.5 | +2903% |
| Key ratios (annual) | ||||
| ROE | 37.4% | 27.1% | 18.1% | -9.0 pp |
| Cost of risk (CoR) | -1.91% | 0.72% | 1.84% | +1.1 pp |
| Cost-to-income (CIR) | 35.7% | 30.5% | 32.8% | +2.3 pp |
| Net interest margin (NIM) | 5.87% | 6.43% | 6.37% | -0.1 pp |
ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.
| Quarter | 24/06 Q2 | 24/09 Q3 | 24/12 Q4 | 25/03 Q1 | 25/06 Q2 | 25/09 Q3 | 25/12 Q4 | 26/03 Q1 |
|---|---|---|---|---|---|---|---|---|
| P&L, bn RUB | ||||||||
| Net interest income | 16.7 | 17.3 | 19.3 | 19.9 | 19.5 | 19.6 | 18.7 | 18.4 |
| Provisions | -2.9 | -1.0 | -1.2 | 0.1 | -5.6 | -4.2 | -6.1 | -1.7 |
| Net fee income | 2.7 | 3.2 | 3.1 | 2.8 | 2.8 | 2.9 | 3.3 | 2.8 |
| Financial instruments & investment | -0.2 | -0.1 | 0.4 | 0.6 | 0.9 | 0.7 | -1.6 | 0.1 |
| Operating income | 20.1 | 21.2 | 23.1 | 23.4 | 23.1 | 23.4 | 22.8 | 21.9 |
| Admin (SG&A) | -5.5 | -6.6 | -7.9 | -5.7 | -6.6 | -7.2 | -10.9 | -7.0 |
| Net profit | 11.3 | 13.3 | 13.2 | 15.5 | 9.1 | 8.8 | 4.4 | 10.9 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 557 | 724 | 791 | 767 | 663 | 961 | 936 | 960 |
| Securities portfolio (bonds) | 120 | 124 | 127 | 119 | 136 | 149 | 154 | 159 |
| Customer deposits | 256 | 240 | 275 | 259 | 267 | 360 | 362 | 364 |
| Other assets | 398 | 190 | 219 | 258 | 453 | 243 | 215 | 274 |
| Total assets | 1 075 | 1 038 | 1 137 | 1 143 | 1 253 | 1 353 | 1 306 | 1 393 |
| Equity | 188 | 201 | 201 | 217 | 213 | 222 | 217 | 228 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 24.1% | 27.3% | 26.3% | 29.7% | 17.0% | 16.1% | 8.1% | 19.6% |
| Cost of risk (CoR) | 1.81% | 0.62% | 0.66% | -0.03% | 3.16% | 2.07% | 2.57% | 0.72% |
| Cost-to-income (CIR) | 27.1% | 30.9% | 34.4% | 24.5% | 28.5% | 30.8% | 47.9% | 31.7% |
| Net interest margin (NIM) | 6.39% | 6.57% | 7.12% | 6.99% | 6.51% | 6.03% | 5.62% | 5.45% |
<div class='muted' style='font-size:.72rem;line-height:1.2'>1.7 bln mo</div> source: CBR
| Reported | Forecast | Monthly ×12 | |
|---|---|---|---|
| Reporting period | Q1 2026 | ||
| RAS profit, quarter months | Jan 2026 3.6 bln Feb 2026 2.4 bln Mar 2026 3.5 bln | Jan 2026 3.6 bln Feb 2026 2.4 bln Mar 2026 3.5 bln | |
| RAS profit, following months | Apr 2026 3.0 bln May 2026 1.9 bln | ||
| Forecast profit change (×0.88) | -12% | ||
| Annualised profit, mln RUB | 43.6 bln | 38.4 bln | 22.8 bln |
| Book (equity) | 227.8 bln | 227.8 bln | 227.8 bln |
| ROE (annualised) | 19% | 17% | 10% |
| Price / Book | 0.62x | 0.62x | 0.62x |
| Potential [ROE / P/B] | +31% | +27% | +16% |
| Card headline: avg of Forecast & Monthly | +22% | ||
Potential = annualised net profit / market cap (= ROE / P/B). 'Reported' is the last IFRS quarter annualised; 'Forecast' adjusts it for seasonality from the latest monthly RAS data (multiplier X = profit of the most recent months / profit of the quarter's months); 'Monthly ×12' annualises the latest RAS month. RAS = parent bank charter, IFRS = group; the bases differ, so the forecast is a momentum indicator.
| Period | Net interest income (YTD) | Net operating result (YTD) | Pre-tax profit (YTD) | Net profit (YTD) | Total comprehensive income |
|---|---|---|---|---|---|
| May 2026 | 24.6 bln -30.7% y/y · 4.0 bln mo -41.9% | -6.2 bln +68.6% y/y · -1.4 bln mo +121.8% | 18.5 bln -42.2% y/y · 2.6 bln mo -58.5% | 14.5 bln -43.1% y/y · 1.9 bln mo -64.6% | 14.7 bln -42.3% y/y · 1.8 bln mo -66.8% |
| Apr 2026 | 20.6 bln -28.0% y/y · 5.3 bln mo -23.2% | -4.8 bln +57.3% y/y · -1.2 bln mo +1560.8% | 15.8 bln -38.1% y/y · 4.1 bln mo -39.9% | 12.6 bln -37.3% y/y · 3.0 bln mo -33.9% | 12.9 bln -35.8% y/y · 3.0 bln mo -33.7% |
| Mar 2026 | 15.3 bln -29.6% y/y · 4.8 bln mo -34.2% | -3.6 bln +20.9% y/y · -530 mln mo -40.0% | 11.8 bln -37.5% y/y · 4.3 bln mo -33.4% | 9.6 bln -38.3% y/y · 3.5 bln mo -34.1% | 9.9 bln -36.3% y/y · 3.8 bln mo -28.9% |
| Feb 2026 | 10.5 bln -27.2% y/y · 5.3 bln mo -26.1% | -3.0 bln +46.8% y/y · -2.1 bln mo +114.7% | 7.5 bln -39.6% y/y · 3.2 bln mo -48.5% | 6.1 bln -40.6% y/y · 2.4 bln mo -51.9% | 6.1 bln -40.3% y/y · 2.5 bln mo -50.3% |
| Jan 2026 | 5.2 bln -28.2% y/y · 5.2 bln mo -28.2% | -937 mln -14.1% y/y · -937 mln mo -14.1% | 4.3 bln -30.7% y/y · 4.3 bln mo -30.7% | 3.6 bln -29.4% y/y · 3.6 bln mo -29.4% | 3.6 bln -30.3% y/y · 3.6 bln mo -30.3% |
| Dec 2025 | 64.3 bln -4.7% y/y · 3.6 bln mo | -12.0 bln +360.5% y/y · -256 mln mo | 52.2 bln -19.4% y/y · 3.4 bln mo | 39.7 bln -24.6% y/y · 2.7 bln mo | 39.7 bln -24.0% y/y · 2.7 bln mo |
| Nov 2025 | 60.6 bln 5.9 bln mo | -11.8 bln -4.0 bln mo | 48.8 bln 1.9 bln mo | 37.0 bln 1.2 bln mo | 37.0 bln 1.2 bln mo |
| Oct 2025 | 54.7 bln 4.6 bln mo | -7.7 bln -1.7 bln mo | 46.9 bln 2.9 bln mo | 35.9 bln 2.2 bln mo | 35.8 bln 2.2 bln mo |
| Sep 2025 | 50.1 bln 4.2 bln mo | -6.1 bln -1.5 bln mo | 44.0 bln 2.7 bln mo | 33.7 bln 2.0 bln mo | 33.7 bln 1.9 bln mo |
| Aug 2025 | 46.0 bln 3.5 bln mo | -4.6 bln -212 mln mo | 41.3 bln 3.3 bln mo | 31.7 bln 2.6 bln mo | 31.7 bln 2.6 bln mo |
| Jul 2025 | 42.5 bln 3.8 bln mo | -4.4 bln -318 mln mo | 38.0 bln 3.5 bln mo | 29.1 bln 1.9 bln mo | 29.1 bln 1.9 bln mo |
| Jun 2025 | 38.7 bln 3.1 bln mo | -4.1 bln -421 mln mo | 34.6 bln 2.7 bln mo | 27.2 bln 1.7 bln mo | 27.3 bln 1.7 bln mo |
High yield on falling profit
The forecast yield is high but full-year profit fell >20% — the payout rests on past earnings and is likely to be cut. Upside is suppressed to avoid flagging a yield trap as a buy.
| 1 · Forecast dividend (per policy) | |
| Smoothed net profit (median YTD-ann./LTM/FY) | 38 bn RUB |
| Payout ratio | 42% |
| Recent actual dividend (3-yr median) | 42.84 ₽ |
| = Forecast dividend per share | 42.84 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.2% |
| Historical yield spread to rate (3-yr median) | -2.7 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 11.6% |
| 3 · Valuation → upside | |
| Current price | 239 ₽ |
| Forecast dividend yield | 17.9% |
| Fair price (dividend-based) | 392 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
Paid, trailing 12-mo: 42.84 RUB/sh · 17.9%
| Pay year | Dividend /sh | |
|---|---|---|
| 2026 | 26.23 ₽ | |
| 2025 | 46.33 ₽ | |
| 2024 | 50.63 ₽ | |
| 2023 | 40.24 ₽ | |
| 2022 | 11.81 ₽ | |
| 2021 | 4.56 ₽ | |
| 2020 | 3.33 ₽ | |
| 2019 | 3.71 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2026 q2 | 2026-05-11 | 26.23 ₽ |
| 2025 q4 | 2025-10-03 | 16.61 ₽ |
| 2025 q2 | 2025-05-02 | 29.72 ₽ |
| 2024 q3 | 2024-09-27 | 27.26 ₽ |
| 2024 q2 | 2024-05-03 | 23.37 ₽ |
| 2023 q4 | 2023-10-06 | 19.08 ₽ |
| 2023 q2 | 2023-05-08 | 21.16 ₽ |
| 2022 q3 | 2022-08-25 | 11.81 ₽ |
| 2021 q2 | 2021-06-03 | 4.56 ₽ |
| 2020 q4 | 2020-12-09 | 3.33 ₽ |
No dividend rows found for this issuer.
| 16.07.26 | Filing | ★ Финансовые результаты деятельности эмитента (компаний группы эмитента) (прогнозные, предварительные, фактические) Банк «Санкт-Петербург» подводит итоги за июнь 2026 года, сообщая о корректировке прогноза по стоимости риска до 200 б.п. и намерении выплатить 50% от чистой прибыли по МСФО. Чистая прибыль за первое полугодие составила 16,6 млрд руб. (-39,2% по сравнению с 2025 годом), а выручка - 43,7 млрд руб. (-13,1%). |
| 11.06.26 | Buyback | ★ ▲ Приобретение эмитентом собственных голосующих акций (долей) или депозитарных расписок на акции эмитента ПАО 'Банк 'Санкт-Петербург' приобрел 8,999 тыс. голосующих акций, увеличив свою долю до 15,251 тыс. акций. Приобретение произошло на основании решения Наблюдательного совета и зарегистрировано 10 июня 2026 года. |
| 29.04.26 | Filing | ★ Дата определения (фиксации) лиц, имеющих право на осуществление прав по ценным бумагам эмитента |
| 29.04.26 | AGM / Board | ★ ▲ Решения общих собраний участников (акционеров) |
| 20.03.26 | Buyback | ★ ▲ УВЕДОМЛЕНИЕ о приобретении ПУБЛИЧНЫМ АКЦИОНЕРНЫМ ОБЩЕСТВОМ «БАНК «САНКТ-ПЕТЕРБУРГ» собственных размещенных акций 19 марта 2026 года Банк «Санкт-Петербург» объявил о приобретении 9 млн обыкновенных акций по цене 340 руб. за акцию. Заявления акционеров о продаже акций будут приниматься с 10 апреля по 22 мая 2026 года. Выплаты акционерам будут произведены не позднее 8 июня 2026 года. |
| 20.03.26 | Buyback | ★ ▲ Принятие решения о приобретении размещенных эмитентом акций ПАО 'Банк Санкт-Петербург' принял решение о приобретении 9 млн. обыкновенных акций по цене 340 руб. за акцию. Оплата будет произведена в рублях после утверждения отчета Наблюдательным советом, но не позднее 8 июня 2026 года. |
| 06.02.26 | Filing | ★ ▲ Присвоение или изменение рейтинга эмитента рейтинговым агентством или иной организацией на основании договора Банк 'Санкт-Петербург' получил кредитный рейтинг AA.ru с прогнозом 'Стабильный' от агентства 'Национальные Кредитные Рейтинги' 6 февраля 2026 года. |
| 28.05.26 | AGM / Board | Решения совета директоров (наблюдательного совета) На заседании Наблюдательного совета ПАО «Банк «Санкт-Петербург» 27 мая 2026 года были приняты решения об утверждении отчетов по программам приобретения и продаже акций, а также о размере оплаты услуг аудиторской организации в 24 млн. руб. (без НДС). |
Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.
Substantive mentions last 7 days: 1 (1 negative), last 30 days: 3 (2 positive, 1 negative) across tracked channels, broker research and shows. 15 passing mentions (digests, calendars) hidden.
Sources: Telegram channels (bloggers — blue chip, broker research — green), YouTube shows via transcripts (orange). Tone (▲/▼) is an automatic assessment in the stock's context. Quotes are fragmentary; authors' views are not our recommendations.
Investor reporting (IR): https://www.e-disclosure.ru/portal/files.aspx?id=3935
Reporting forms detected in loaded periods: ✓ ✓ — (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of Bank Sankt-Peterburg (BSPB) — from primary filings.
BSPB (Bank Saint Petersburg) is a Russian commercial bank that provides a range of financial services including retail and corporate banking, lending, and deposit operations primarily in the Northwestern region of Russia.