Sovcombank Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 29, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Debt / Equity Ratio	1.10	1.11	0.80	1.06	1.54	1.53	Upgrade
Return on Equity (ROE)	15.28%	22.44%	38.75%	-8.54%	23.05%	23.95%	Upgrade
Return on Assets (ROA)	1.45%	2.14%	3.54%	-0.86%	2.77%	2.99%	Upgrade
Payout Ratio	-	31.10%	5.31%	-	13.03%	7.13%	Upgrade
Buyback Yield / Dilution	-10.46%	-15.18%	-0.53%	-	0.52%	1.55%	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.