Capital adequacy

In 2012, the consolidated Tier 1 capital adequacy ratio decreased to 10.4% and the total capital adequacy ratio decreased to 13.7%.

This decrease is explained mostly by a 39% rise in risk-weighted assets, which was based on natural assets growth supported by acquisitions. The Group’s capital adequacy ratio is well above the Basel committee minimum requirements (8%). The total capital adequacy ratio of OJSC „Sberbank of Russia” on a standalone basis according to RAS (1Н) as of end 2012 was 12.6%.

close
mln RUB 2012 2011
Tier 1 capital
Share capital 87.7 87.7
Share premium 232.6 232.6
Retained earnings 1,186.7 882.9
Treasury shares (7.6) (7.0)
Less goodwill (25.0) (15.1)
Total Tier 1 capital 1,474.4 1,181.1
Tier 2 capital
Revaluation reserve for premises 79.0 81.5
Fair value reserve for investment securities available for sale 16.8 (3.4)
Foreign currency translation reserve (4.7) (5.7)
Subordinated capital 382.7 303.5
Less investments in associates (8.6) (4.7)
Total Tier 2 capital 465.2 371.2
TOTAL CAPITAL 1,939.6 1,552.3
Risk-weighted assets
Credit risk 13,693.1 9,867.8
Market risk 452.5 349.0
Total risk-weighted assets 14,145.6 10,216.8
Tier 1 capital adequacy ratio 10.4 11.6
Total capital adequacy ratio 13.7 15.2
Top of page
FEEDBACK

Name*

Your E-mail*

Message*

CAPTCHA

Type the characters