By Helgi Library - March 24, 2021
Tinkoff Group made a net profit of RUB 12,332 mil under revenues of RUB 46,554 mil in the fourth quarter of 2020, up 12.1% and ...
By Helgi Library - March 24, 2021
Tinkoff Group made a net profit of RUB 12,332 mil under revenues of RUB 46,554 mil in the fourth quarter of 2020, up 12.1% and ...
By Helgi Library - March 24, 2021
Tinkoff Group made a net profit of RUB 12,332 mil in the fourth quarter of 2020, up 12.1% when compared to the same period of las...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | RUB mil | 59,992 | 87,926 | 104,702 |
| Net Fee Income | RUB mil | 15,653 | 20,735 | 26,010 |
| Other Income | RUB mil | 18,869 | 24,439 | 44,686 |
| Total Revenues | RUB mil | 94,514 | 133,100 | 175,398 |
| Staff Cost | RUB mil | 21,111 | 25,120 | 31,024 |
| Operating Profit | RUB mil | 58,793 | 87,071 | 117,189 |
| Provisions | RUB mil | 11,799 | 26,412 | 39,341 |
| Net Profit | RUB mil | 27,088 | 36,122 | 44,209 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | RUB mil | 1,958 | 2,084 | 1,916 |
| Customer Loans | RUB mil | 198,489 | 329,175 | 376,521 |
| Investments | RUB mil | 100,140 | 135,178 | 238,454 |
| Total Assets | RUB mil | 375,499 | 580,025 | 859,294 |
| Shareholders' Equity | RUB mil | 42,250 | 96,082 | 127,016 |
| Interbank Borrowing | RUB mil | 2,708 | 23.0 | 4,819 |
| Customer Deposits | RUB mil | 280,916 | 411,614 | 626,837 |
| Issued Debt Securities | RUB mil | 30,249 | 46,259 | 46,005 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 64.3 | 52.2 | 39.6 |
| ROA | % | 8.41 | 7.56 | 6.14 |
| Costs (As % Of Assets) | % | 11.1 | 9.63 | 8.09 |
| Costs (As % Of Income) | % | 37.8 | 34.6 | 33.2 |
| Capital Adequacy Ratio | % | 14.9 | 18.9 | 17.9 |
| Net Interest Margin | % | 18.6 | 18.4 | 14.5 |
| Loans (As % Of Deposits) | % | 70.7 | 80.0 | 60.1 |
| NPLs (As % Of Loans) | % | 9.44 | 9.08 | 10.3 |
| Provisions (As % Of NPLs) | % | 164 | 157 | 153 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 2,826 | 4,024 | 7,568 |
| Number Of Shares | mil | 182 | 190 | 198 |
| Share Price | RUB | 1,081 | 1,311 | 2,366 |
| Price/Earnings (P/E) | 7.25 | 6.90 | 10.6 | |
| Price/Book Value (P/BV) | 4.65 | 2.59 | 3.69 | |
| Dividend Yield | % | 6.25 | 2.36 | 2.48 |
| Earnings Per Share (EPS) | RUB | 149 | 190 | 223 |
| Book Value Per Share | RUB | 233 | 506 | 641 |
| Dividend Per Share | RUB | 67.6 | 31.0 | 58.7 |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||
| Net Interest Income | RUB mil | 30,798 | 28,067 | 33,556 | 46,076 | 59,992 | |||||||||
| Total Revenues | RUB mil | 30,912 | 30,635 | 43,974 | 64,168 | 94,514 | |||||||||
| Operating Profit | RUB mil | 21,725 | 19,435 | 25,992 | 38,243 | 58,793 | |||||||||
| Net Profit | RUB mil | 3,401 | 1,850 | 11,011 | 19,019 | 27,088 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | RUB mil | ... | ... | ... | ... | ... | ... | 5,366 | 3,070 | 347 | 1,575 | 1,958 | |||
| Customer Loans | RUB mil | 74,580 | 82,067 | 102,912 | 140,245 | 198,489 | |||||||||
| Investments | RUB mil | ... | ... | ... | ... | ... | 217 | 15,936 | 33,286 | 71,676 | 100,140 | ||||
| Total Assets | RUB mil | 108,806 | 139,652 | 175,371 | 268,828 | 375,499 | |||||||||
| Shareholders' Equity | RUB mil | 20,969 | 22,947 | 29,518 | 41,945 | 42,250 | |||||||||
| Interbank Borrowing | RUB mil | ... | ... | 10,331 | 6,392 | 489 | 595 | 2,708 | |||||||
| Customer Deposits | RUB mil | 43,366 | 89,343 | 124,556 | 179,045 | 280,916 | |||||||||
| Issued Debt Securities | RUB mil | 30,666 | 16,514 | 14,500 | 32,820 | 30,249 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | 16.3 | 8.43 | 42.0 | 53.2 | 64.3 | ||||||||
| ROA | % | ... | 3.27 | 1.49 | 6.99 | 8.56 | 8.41 | ||||||||
| Costs (As % Of Assets) | % | ... | 8.82 | 9.02 | 11.4 | 11.7 | 11.1 | ||||||||
| Costs (As % Of Income) | % | 29.7 | 36.6 | 40.9 | 40.4 | 37.8 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 21.8 | 18.3 | 16.3 | 21.1 | 14.9 | |||||
| Net Interest Margin | % | ... | 29.6 | 22.6 | 21.3 | 20.7 | 18.6 | ||||||||
| Interest Income (As % Of Revenues) | % | 99.6 | 91.6 | 76.3 | 71.8 | 63.5 | |||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | -2.20 | -1.93 | 12.2 | 15.4 | 16.6 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 56.1 | 45.7 | 48.8 | 59.1 | |||||||
| Equity (As % Of Assets) | % | 19.3 | 16.4 | 16.8 | 15.6 | 11.3 | |||||||||
| Loans (As % Of Deposits) | % | 172 | 91.9 | 82.6 | 78.3 | 70.7 | |||||||||
| Loans (As % Assets) | % | 68.5 | 58.8 | 58.7 | 52.2 | 52.9 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 14.5 | 12.4 | 10.2 | 8.82 | 9.44 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 142 | 152 | 142 | 126 | 164 | ||||||
| valuation | |||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | 574 | 545 | 1,888 | 3,434 | 2,826 | |||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | 180 | 179 | 179 | 182 | 182 | |||
| Share Price | RUB | ... | ... | ... | ... | ... | ... | 194 | 222 | 640 | 1,086 | 1,081 | |||
| Earnings Per Share (EPS) | RUB | ... | ... | ... | ... | ... | ... | 18.9 | 10.4 | 61.5 | 104 | 149 | |||
| Book Value Per Share | RUB | ... | ... | ... | ... | ... | ... | 116 | 128 | 165 | 230 | 233 | |||
| Dividend Per Share | RUB | ... | ... | ... | ... | ... | ... | 15.9 | 0 | 25.2 | 23.9 | 67.6 | |||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 10.3 | 21.5 | 10.4 | 10.4 | 7.25 | ||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 1.66 | 1.73 | 3.88 | 4.72 | 4.65 | ||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | 8.22 | 0 | 3.94 | 2.20 | 6.25 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -40.9 | -45.2 | 494 | 69.7 | 42.8 | ||
| Book Value Per Share Growth | % | ... | 1.52 | 10.3 | 28.5 | 39.6 | 1.01 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||
| Interest Income | RUB mil | 39,062 | 40,773 | 47,644 | 59,541 | 76,725 | |||||||||
| Interest Cost | RUB mil | 8,264 | 12,707 | 14,088 | 13,465 | 16,733 | |||||||||
| Net Interest Income | RUB mil | 30,798 | 28,067 | 33,556 | 46,076 | 59,992 | |||||||||
| Net Fee Income | RUB mil | ... | ... | ... | ... | ... | ... | -679 | -590 | 5,359 | 9,913 | 15,653 | |||
| Fee Income | RUB mil | ... | ... | ... | ... | ... | ... | 312 | 1,371 | 8,401 | 15,531 | 27,423 | |||
| Fee Expense | RUB mil | 991 | 1,961 | 3,042 | 5,618 | 11,770 | |||||||||
| Other Income | RUB mil | ... | ... | ... | ... | ... | ... | 793 | 3,159 | 5,059 | 8,179 | 18,869 | |||
| Total Revenues | RUB mil | 30,912 | 30,635 | 43,974 | 64,168 | 94,514 | |||||||||
| Staff Cost | RUB mil | ... | ... | 4,867 | 6,289 | 8,211 | 12,640 | 21,111 | |||||||
| Depreciation | RUB mil | ... | ... | 258 | 229 | 252 | 420 | 823 | |||||||
| Other Cost | RUB mil | ... | ... | 4,062 | 4,683 | 9,519 | 12,865 | 13,787 | |||||||
| Operating Cost | RUB mil | 9,187 | 11,201 | 17,982 | 25,925 | 35,721 | |||||||||
| Operating Profit | RUB mil | 21,725 | 19,435 | 25,992 | 38,243 | 58,793 | |||||||||
| Provisions | RUB mil | 15,839 | 14,908 | 8,386 | 7,640 | 11,799 | |||||||||
| Extra and Other Cost | RUB mil | 991 | 1,961 | 3,042 | 5,618 | 11,770 | |||||||||
| Pre-Tax Profit | RUB mil | 4,895 | 2,565 | 14,564 | 24,985 | 35,224 | |||||||||
| Tax | RUB mil | 1,494 | 715 | 3,553 | 5,962 | 8,102 | |||||||||
| Minorities | RUB mil | ... | 0 | 0 | 0 | 4.00 | 34.0 | ||||||||
| Net Profit | RUB mil | 3,401 | 1,850 | 11,011 | 19,019 | 27,088 | |||||||||
| Net Profit Avail. to Common | RUB mil | 3,401 | 1,850 | 11,011 | 19,019 | 27,088 | |||||||||
| Dividends | RUB mil | ... | ... | ... | 2,867 | 0 | 4,506 | 4,356 | 12,276 | ||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 14.6 | -8.87 | 19.6 | 37.3 | 30.2 | ||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | 69.5 | -13.1 | -1,009 | 85.0 | 57.9 | ||
| Total Revenue Growth | % | ... | 12.7 | -0.895 | 43.5 | 45.9 | 47.3 | ||||||||
| Operating Cost Growth | % | ... | -4.56 | 21.9 | 60.5 | 44.2 | 37.8 | ||||||||
| Operating Profit Growth | % | ... | 22.0 | -10.5 | 33.7 | 47.1 | 53.7 | ||||||||
| Pre-Tax Profit Growth | % | ... | -34.9 | -47.6 | 468 | 71.6 | 41.0 | ||||||||
| Net Profit Growth | % | ... | -40.9 | -45.6 | 495 | 72.7 | 42.4 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 0.514 | 0.458 | 0.335 | 0.589 | ... | ... | ... | |||||||
| Market Share in Net Profit | % | ... | ... | 0.699 | 2.18 | 1.68 | 3.78 | ... | ... | ... | |||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.36 | 1.87 | ... | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.448 | 0.731 | ... | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.17 | 10.5 | ... | ... | ... |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | |||||||||||||||
| Cash & Cash Equivalents | RUB mil | 11,385 | 14,364 | 17,415 | 25,525 | 36,237 | |||||||||
| Interbank Loans | RUB mil | ... | ... | ... | ... | ... | ... | 5,366 | 3,070 | 347 | 1,575 | 1,958 | |||
| Customer Loans | RUB mil | 74,580 | 82,067 | 102,912 | 140,245 | 198,489 | |||||||||
| Retail Loans | RUB mil | ... | ... | ... | 93,907 | 101,081 | 120,435 | 157,781 | 234,347 | ||||||
| Corporate Loans | RUB mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 363 | ||
| Investments | RUB mil | ... | ... | ... | ... | ... | 217 | 15,936 | 33,286 | 71,676 | 100,140 | ||||
| Property and Equipment | RUB mil | 541 | 2,052 | 4,656 | 6,140 | 8,369 | |||||||||
| Intangible Assets | RUB mil | 1,125 | 1,419 | 1,820 | 3,056 | 4,223 | |||||||||
| Goodwill | RUB mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Total Assets | RUB mil | 108,806 | 139,652 | 175,371 | 268,828 | 375,499 | |||||||||
| Shareholders' Equity | RUB mil | 20,969 | 22,947 | 29,518 | 41,945 | 42,250 | |||||||||
| Of Which Minority Interest | RUB mil | ... | ... | 0 | 0 | 0 | 202 | 236 | |||||||
| Liabilities | RUB mil | 87,837 | 116,706 | 145,853 | 226,883 | 333,249 | |||||||||
| Interbank Borrowing | RUB mil | ... | ... | 10,331 | 6,392 | 489 | 595 | 2,708 | |||||||
| Customer Deposits | RUB mil | 43,366 | 89,343 | 124,556 | 179,045 | 280,916 | |||||||||
| Sight Deposits | RUB mil | ... | ... | 11,253 | 25,023 | 52,170 | 100,556 | 179,891 | |||||||
| Term Deposits | RUB mil | ... | ... | 32,114 | 64,319 | 72,386 | 78,489 | 101,025 | |||||||
| Issued Debt Securities | RUB mil | 30,666 | 16,514 | 14,500 | 32,820 | 30,249 | |||||||||
| Subordinated Debt | RUB mil | ... | ... | ... | 11,251 | 14,609 | ... | ... | ... | ... | ... | ||||
| Other Liabilities | RUB mil | ... | ... | 3,474 | 4,457 | 6,308 | 14,423 | 19,376 | |||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | RUB mil | ... | ... | ... | 13,589 | 12,484 | 12,336 | 13,918 | 22,151 | ||||||
| Gross Loans | RUB mil | ... | 93,907 | 101,081 | 120,435 | 157,781 | 234,710 | ||||||||
| Risk-Weighted Assets | RUB mil | ... | ... | ... | ... | 124,515 | 153,984 | 187,130 | 265,621 | 393,319 | |||||
| Total Provisions | RUB mil | ... | 19,327 | 19,014 | 17,523 | 17,536 | 36,221 | ||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 0.330 | 10.0 | 25.4 | 36.3 | 41.5 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | 12.1 | 7.64 | 19.1 | 31.0 | 48.5 | |||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 9.36 | 28.3 | 25.6 | 53.3 | 39.7 | ||||||||
| Shareholders' Equity Growth | % | ... | 1.52 | 9.43 | 28.6 | 42.1 | 0.727 | ||||||||
| Customer Deposit Growth | % | ... | -0.134 | 106 | 39.4 | 43.7 | 56.9 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 0.164 | 0.167 | 0.220 | 0.289 | 0.354 | ... | ... | |||||||
| Market Share in Consumer Loans | % | ... | ... | ... | 0.829 | 0.946 | 1.11 | 1.30 | ... | ... | ... | ||||
| Market Share in Total Assets | % | 0.149 | 0.181 | 0.237 | 0.345 | 0.447 | ... | ... | |||||||
| Market Share in Customer Deposits | % | 0.138 | 0.239 | 0.354 | 0.478 | 0.669 | ... | ... |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 16.3 | 8.43 | 42.0 | 53.2 | 64.3 | ||||||||
| ROTE | % | ... | 17.0 | 8.94 | 44.7 | 57.1 | 70.4 | ||||||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | 21.9 | 8.86 | 43.0 | 56.0 | 54.8 | |||
| ROA | % | ... | 3.27 | 1.49 | 6.99 | 8.56 | 8.41 | ||||||||
| Return on Loans | % | 4.57 | 2.36 | 11.9 | 15.6 | 16.0 | |||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | 21.0 | 14.0 | 15.2 | 16.9 | 17.8 | |||
| Costs (As % Of Assets) | % | ... | 8.82 | 9.02 | 11.4 | 11.7 | 11.1 | ||||||||
| Costs (As % Of Income) | % | 29.7 | 36.6 | 40.9 | 40.4 | 37.8 | |||||||||
| Costs (As % Of Loans) | % | ... | 12.3 | 14.3 | 19.4 | 21.3 | 21.1 | ||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 7.80 | 7.74 | 9.02 | 9.48 | 8.94 | ||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 21.8 | 18.3 | 16.3 | 21.1 | 14.9 | |||||
| Tier 1 Ratio | % | ... | ... | ... | ... | 15.9 | 14.0 | 14.8 | 21.0 | 14.9 | |||||
| Net Interest Margin | % | ... | 29.6 | 22.6 | 21.3 | 20.7 | 18.6 | ||||||||
| Interest Spread | % | ... | 27.6 | 20.4 | 19.5 | 19.6 | 17.8 | ||||||||
| Asset Yield | % | ... | 37.5 | 32.8 | 30.2 | 26.8 | 23.8 | ||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | 29.9 | 22.0 | 25.8 | 28.3 | 28.7 | |||
| Cost Of Liabilities | % | ... | 9.92 | 12.4 | 10.7 | 7.22 | 5.97 | ||||||||
| Payout Ratio | % | ... | ... | ... | 84.3 | 0 | 40.9 | 22.9 | 45.3 | ||||||
| Interest Income (As % Of Revenues) | % | 99.6 | 91.6 | 76.3 | 71.8 | 63.5 | |||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | -2.20 | -1.93 | 12.2 | 15.4 | 16.6 | |||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 2.56 | 10.3 | 11.5 | 12.7 | 20.0 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 56.1 | 45.7 | 48.8 | 59.1 | |||||||
| Equity (As % Of Assets) | % | 19.3 | 16.4 | 16.8 | 15.6 | 11.3 | |||||||||
| Equity (As % Of Loans) | % | 28.1 | 28.0 | 28.7 | 29.9 | 21.3 | |||||||||
| Loans (As % Of Deposits) | % | 172 | 91.9 | 82.6 | 78.3 | 70.7 | |||||||||
| Loans (As % Assets) | % | 68.5 | 58.8 | 58.7 | 52.2 | 52.9 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 14.5 | 12.4 | 10.2 | 8.82 | 9.44 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 142 | 152 | 142 | 126 | 164 | ||||||
| Provisions (As % Of Loans) | % | ... | 25.9 | 23.2 | 17.0 | 12.5 | 18.2 | ||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 21.3 | 19.0 | 9.07 | 6.28 | 6.97 |
| other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15,391 | 15,391 | 21,577 | |||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | 666 | 1,157 | 1,283 | ||
| Cost Per Employee (Local Currency) | RUB per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | 44,458 | 68,438 | 81,534 |
| customer breakdown | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.41 | 5.13 | 7.24 | ||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.98 | 2.99 | 5.15 | ||
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.47 | 5.07 | 6.86 | ||
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.01 | 1.75 | 2.94 | ||
| Credit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.46 | 3.32 | 3.92 | ||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.55 | 3.55 | 4.62 | ||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 58.1 | 58.3 | 71.2 | ||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 74.8 | 69.3 | 63.9 | ||
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 102 | 98.9 | 94.7 | ||
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 29.5 | 34.1 | 40.6 | ||
| Credit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 72.3 | 64.8 | 54.1 | ||
| Market Value per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33,591 | 38,583 | 27,121 | ||
| Revenue per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,901 | 12,518 | 13,056 | ||
| Net Profit per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,230 | 3,710 | 3,742 | ||
| Loan per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30,192 | 27,359 | 27,419 | ||
| Deposit per Customer (Local Currency) | RUB | ... | ... | ... | ... | ... | ... | ... | ... | ... | 36,541 | 34,928 | 38,805 | ||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | 554 | 670 | 390 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | 193 | 212 | 205 | ||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | 48.4 | 62.7 | 58.9 | ||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | 498 | 475 | 395 | ||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | 602 | 606 | 559 |
Get all company financials in excel:
By Helgi Library - March 24, 2021
Tinkoff Group made a net profit of RUB 12,332 mil in the fourth quarter of 2020, up 12.1% when compared to the same period of last year. This implies a return on equity of 40.5%. Historically, the bank’s net profit reached an all time high of RUB 12,631 mil in 3Q...
By Helgi Library - March 24, 2021
Tinkoff Group's customer deposits reached RUB 233,543 mil in 2018-09-30, up 12.5% compared to the previous year. Russian banking sector accepted customer deposits of RUB 40,113 bil in 2018-09-30, up 2.56% when compared to the last year. Tinkoff Group acco...
By Helgi Library - March 24, 2021
Tinkoff Group's customer deposits reached RUB 233,543 mil in 2018-09-30, up 12.5% compared to the previous year. Russian banking sector accepted customer deposits of RUB 40,113 bil in 2018-09-30, up 2.56% when compared to the last year. Tinkoff Group acco...
By Helgi Library - March 24, 2021
Tinkoff Group's customer loans reached RUB 168,670 mil in 2018-09-30, up 10.8% compared to the previous year. Russian banking sector provided customer loans of RUB 54,055 bil in 2018-09-30, up 5.04% when compared to the last year. Tinkoff Group accounted ...
By Helgi Library - March 24, 2021
Tinkoff Group's customer loans reached RUB 168,670 mil in 2018-09-30, up 10.8% compared to the previous year. Russian banking sector provided customer loans of RUB 54,055 bil in 2018-09-30, up 5.04% when compared to the last year. Tinkoff Group accounted ...
By Helgi Library - March 24, 2021
Tinkoff Group's retail loans reached RUB 205,436 mil in the third quarter of 2018, up 8.42% compared to the previous year. Russian banking sector provided retail loans of RUB 14,482 bil in 3Q2018, up 6.39% when compared to the last year. Tinkoff Group acc...
By Helgi Library - March 24, 2021
Tinkoff Group's retail loans reached RUB 205,436 mil in the third quarter of 2018, up 8.42% compared to the previous year. Russian banking sector provided retail loans of RUB 14,482 bil in 3Q2018, up 6.39% when compared to the last year. Tinkoff Group acc...
By Helgi Library - March 24, 2021
Tinkoff Group's net interest margin amounted to 14.4% in the fourth quarter of 2020, up from 14.0% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 57.3% in 2Q2009 and an all time low of 14....
By Helgi Library - March 24, 2021
Tinkoff Group's net interest margin amounted to 14.4% in the fourth quarter of 2020, up from 14.0% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 57.3% in 2Q2009 and an all time low of 14....
By Helgi Library - March 24, 2021
Tinkoff Group generated total banking revenues of RUB 46,554 mil in the fourth quarter of 2020, up 28.1% when compared to the same period of last year and 9.44% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
Tinkoff Group has been growing its revenues and asset by 110% and 115% a year on average in the last 10 years. Its loans and deposits have grown by 103% and 127% a year during that time and loans to deposits ratio reached 60.1% at the end of 2020. The company achieved an average return on equity of 48.2% in the last decade with net profit growing 131% a year on average. In terms of operating efficiency, its cost to income ratio reached 33.2% in 2020, compared to 37.7% average in the last decade.
Equity represented 14.8% of total assets or 33.7% of loans at the end of 2020. Tinkoff Group's non-performing loans were 10.3% of total loans while provisions covered some 153% of NPLs at the end of 2020.
Tinkoff Group stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 52.1% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 10.6x and price to book value (PBV) of 3.69x in 2020.
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