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Tinkoff Group

Tinkoff Group's net profit rose 12.1% yoy to RUB 12,332 mil in 4Q2020

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 ...

Tinkoff Group's net profit rose 12.1% yoy to RUB 12,332 mil in 4Q2020

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...

Tinkoff Group's customer deposits rose 50.0% yoy to RUB 233,543 mil in 3Q2018

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 bankin...

Profit Statement
Balance Sheet
Ratios
Valuation

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income statement Unit Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
growth rates                                                                                                
Net Interest Income Growth %   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                   52.5 58.2 40.1 39.9 20.4    
ratios Unit Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
                                                                                                 
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                   21.1 20.1 18.4 12.8 12.4    
Return on Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Costs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...

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Tinkoff Group's customer loans rose 25.8% yoy to RUB 168,670 mil in 3Q2018

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 ...

Tinkoff Group's retail loans rose 33.9% yoy to RUB 205,436 mil in 3Q2018

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...

Tinkoff Group's net interest margin fell 18.5% yoy to 14.4% in 4Q2020

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....

Tinkoff Group's net interest income rose 18.7% yoy to RUB 28,500 mil in 4Q2020

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's npls (as % of loans) rose 13.7% yoy to 10.3% in 4Q2020

By Helgi Library - March 24, 2021

Tinkoff Group's non-performing loans reached 10.3% of total loans at the end of 2020-12-31, up from 9.08% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.3% in 2015-06-30 and an all time low of 2.40% in 2009-06-30. Prov...

Tinkoff Group's capital adequacy ratio fell 5.35% yoy to 17.9% in 4Q2020

By Helgi Library - March 24, 2021

Tinkoff Group's capital adequacy ratio reached 17.9% at the end of fourth quarter of 2020, down from 19.7% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 25.1% in 2Q2017 and an all time low of 14.0% in 1Q2019. ...

Tinkoff Group's corporate loans remain unchanged yoy at RUB mil in 4Q2020

By Helgi Library - March 24, 2021

Tinkoff Group's loans reached in the first quarter of 1970, down from when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all time high of RUB mil in 1Q...

Tinkoff Group's equity (as % of assets) fell 10.8% yoy to 14.8% in 4Q2020

By Helgi Library - March 24, 2021

Tinkoff Group's Equity reached 14.8% of total assets in the 4Q2020, down from 16.6% for the previous year. As a share of net customer loans, the ratio amounted to 33.7% at the end of the fourth quarter of 2020. ...

Tinkoff Group's customer loan growth fell 78.2% yoy to 14.4% in 4Q2020

By Helgi Library - March 24, 2021

Tinkoff Group's customer loan growth reached 14.4% in 2020-12-31, down from 65.8% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 167% in 2009-03-31 and an all time low of -3.81% in 2015-03-31. In the last ...

Tinkoff Group's customer deposits rose 56.9% yoy to PLN 280,916 mil in 2018

By Helgi Library - March 24, 2021

Tinkoff Group's customer deposits reached PLN 280,916 mil in 2018, up 56.9% compared to the previous year. Russian banking sector accepted customer deposits of RUB 42,000 bil in 2018, up 12.1% when compared to the last year. Tinkoff Group accounted for 0....

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Finance

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.

Valuation

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.