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summary

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

income statement

Net Interest Income	RUB bil
Total Revenues	RUB bil
Operating Profit	RUB bil
Net Profit	RUB bil

...	...	15.5	26.9	30.8	24.6	34.0
...	...	15.2	26.9	29.9	28.2	40.9
...	...	8.77	17.3	20.7	17.3	23.0
		3.79	5.75	3.40	1.85	11.0

balance sheet

Interbank Loans	RUB bil
Customer Loans	RUB bil
Debt Securities	RUB bil
Total Assets	RUB bil
Shareholders' Equity	RUB bil
Interbank Borrowing	RUB bil
Customer Deposits	RUB bil
Issued Debt Securities	RUB bil

...	...	0	0	...	0.726	0.347
...	...	47.8	74.0	74.6	82.1	103
...	...	0	0	6.68	15.9	33.3
...	...	66.0	99.0	109	140	175
		9.06	20.6	21.0	22.9	29.5
...	...	0.514	0	10.3	6.39	0.489
...	...	26.7	43.2	43.4	89.3	125
...	...	26.9	32.7	30.7	16.5	14.5

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

		59.1%	38.9%	16.4%	8.43%	42.0%
...	...	7.95%	6.98%	3.27%	1.49%	6.99%
...	...	13.5%	11.7%	8.84%	8.81%	11.4%
...	...	42.4%	35.7%	30.7%	38.8%	43.9%
...	...	32.6%	32.6%	29.6%	19.8%	21.6%
...	...	102%	99.7%	103%	87.2%	83.1%
...	...	-1.51%	-1.49%	-2.27%	9.98%	11.9%
...	...	33.1%	49.8%	53.0%	57.5%	56.4%
...	...	13.7%	20.8%	19.3%	16.4%	16.8%
...	...	179%	171%	172%	91.9%	82.6%
...	...	72.4%	74.7%	68.5%	58.8%	58.7%
...	...	4.68%	7.02%	14.5%	12.3%	10.2%
...	...	173%	161%	142%	153%	142%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	RUB
Earnings Per Share (EPS)	RUB
Book Value Per Share	RUB
Price/Earnings (P/E)
Price/Book Value (P/BV)
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...	...	...	...	...	...	2,826	574	545	1,888
...	...	...	...	...	...	180	180	179	179
...	...	...	...	...	...	516	194	222	640
...	...	...	...	...	...	0.032	0.019	0.010	0.062
...	...	...	...	...	...	0.114	0.116	0.128	0.165
...	...	...	...	...	...	16,143	10,257	21,457	10,399
...	...	...	...	...	...	4,520	1,663	1,731	3,879
...	...	...	...	...	...	...	-40.9%	-45.2%	494%
...	...	...	...	...	...	...	2.03%	10.3%	28.5%

Download Data

income statement

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

income statement

Interest Income	RUB bil
Interest Cost	RUB bil
Net Interest Income	RUB bil
Net Fee Income	RUB bil
Other Income	RUB bil
Total Revenues	RUB bil
Staff Cost	RUB bil
Depreciation	RUB bil
Other Cost	RUB bil
Operating Cost	RUB bil
Operating Profit	RUB bil
Provisions	RUB bil
Extra and Other Cost	RUB bil
Pre-Tax Profit	RUB bil
Tax	RUB bil
Minorities	RUB bil
Net Profit	RUB bil

...	...	20.4	35.0	39.1	37.6	47.8
...	...	4.90	8.18	8.26	13.0	13.8
...	...	15.5	26.9	30.8	24.6	34.0
...	...	-0.230	-0.400	-0.679	2.81	4.89
...	...	-0.080	0.482	-0.198	0.793	2.02
...	...	15.2	26.9	29.9	28.2	40.9
...	...	2.13	4.79	4.87	6.29	10.1
...	...	0.261	0.385	0.447	0.412	0.515
...	...	4.06	4.45	3.87	4.24	7.33
...	...	6.45	9.62	9.19	10.9	18.0
...	...	8.77	17.3	20.7	17.3	23.0
...	...	3.86	9.80	15.8	14.7	8.39
...	...	0	0	0	0	0
...	...	4.91	7.52	4.89	2.57	14.6
...	...	1.12	1.77	1.49	0.715	3.55
...	...	0	0	0	0	0
		3.79	5.75	3.40	1.85	11.0

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	...	108%	72.9%	14.7%	-20.1%	38.3%
...	...	...	23.8%	73.8%	69.6%	-514%	73.7%
...	...	...	103%	76.9%	11.1%	-5.74%	45.1%
...	...	...	76.8%	49.1%	-4.51%	19.1%	64.3%
...	...	...	76.8%	49.1%	116%	-16.7%	33.0%
...	...	...	88.3%	53.2%	-34.9%	-47.6%	468%
...			88.6%	51.8%	-40.9%	-45.6%	495%

Download Data

balance sheet

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

balance sheet

Cash	RUB bil
Interbank Loans	RUB bil
Customer Loans	RUB bil
Debt Securities	RUB bil
Fixed Assets	RUB bil
Total Assets	RUB bil
Shareholders' Equity	RUB bil
Of Which Minority Interest	RUB bil
Liabilities	RUB bil
Interbank Borrowing	RUB bil
Customer Deposits	RUB bil
Retail Deposits	RUB bil
Corporate Deposits	RUB bil
Issued Debt Securities	RUB bil
Other Liabilities	RUB bil

...	...				14.6	19.8	11.4	14.4	17.4
...	...				0	0	...	0.726	0.347
...	...				47.8	74.0	74.6	82.1	103
...	...				0	0	6.68	15.9	33.3
...	...				0.954	1.14	1.67	3.47	6.48
...	...				66.0	99.0	109	140	175
					9.06	20.6	21.0	22.9	29.5
...	...	...	...	...	...	...	...	...	...
...	...				57.0	78.4	87.8	117	146
...	...				0.514	0	10.3	6.39	0.489
...	...				26.7	43.2	43.4	89.3	125
...	...				25.8	41.6	41.3	88.5	119
...	...				0.917	1.60	2.07	0.893	5.81
...	...				26.9	32.7	30.7	16.5	14.5
...	...				2.85	2.52	3.47	4.46	6.31

asset quality

Non-Performing Loans	RUB bil
Gross Loans	RUB bil
Total Provisions	RUB bil

...	...	2.45	5.85	13.6	12.5	12.3
...	...	52.3	83.4	93.9	101	120
...	...	4.24	9.41	19.3	19.0	17.5

growth rates

Customer Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...	124%	54.8%	0.836%	10.0%	25.4%
...	...	...	125%	50.0%	9.91%	28.3%	25.6%
...			141%	127%	2.03%	9.43%	28.6%
...	...	...	130%	62.0%	0.370%	106%	39.4%
...	...	...	126%	61.6%	-0.765%	114%	34.3%
...	...	...	315%	74.0%	29.9%	-57.0%	551%

Download Data

ratios

Unit

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

			59.1%	38.9%	16.4%	8.43%	42.0%
...	...		7.95%	6.98%	3.27%	1.49%	6.99%
...	...		13.5%	11.7%	8.84%	8.81%	11.4%
...	...		42.4%	35.7%	30.7%	38.8%	43.9%
...	...		32.6%	32.6%	29.6%	19.8%	21.6%
...	...	...	31.0%	30.4%	27.7%	17.6%	19.9%
...	...		42.8%	42.5%	37.6%	30.2%	30.4%
...	...	...	11.9%	12.1%	9.94%	12.7%	10.5%
...	...		102%	99.7%	103%	87.2%	83.1%
...	...		-1.51%	-1.49%	-2.27%	9.98%	11.9%
...	...		-0.526%	1.79%	-0.663%	2.81%	4.93%
...	...		33.1%	49.8%	53.0%	57.5%	56.4%
...	...		13.7%	20.8%	19.3%	16.4%	16.8%
...	...		179%	171%	172%	91.9%	82.6%
...	...		72.4%	74.7%	68.5%	58.8%	58.7%
...	...		4.68%	7.02%	14.5%	12.3%	10.2%
...	...		173%	161%	142%	153%	142%
...	...		8.87%	12.7%	25.9%	23.2%	17.0%
...	...		11.2%	16.1%	21.3%	18.8%	9.07%

Download Data

Tinkoff Group in Numbers

August 14, 2019

This Annual statistical dossier offers a summary of Tinkoff Group's performance between 2007 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

This Annual statistical dossier offers a summary of Tinkoff Group's performance between 2007 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Tinkoff Group's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

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What Banks in Russia Were the Most Profitable in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically,

Based on a comparison of 18 banks in Russia, Sberbank produced the highest net profit in 2017, followed by VTB Bank and Alfa Bank.

Sberbank made a net profit of RUB 750 bil, up 38.8% compared to the previous year. Historically, the bank’s net profit reached an all time high of RUB 750 bil in 2017 and an all time low of RUB 13.9 bil in 2003. The average profit in the last five years amounted to RUB 434 bil.

The bank generated an average return on equity of 18.1% for its shareholders in the last five years with a maximum of 24.0% and a minimum of 10.2%.

Comparing Sberbank with its closest peers, VTB Bank generated a net profit of RUB 120 bil with a ROE of 8.32% in 2017, Alfa Bank netted RUB 47.1 bil (ROE of 13.2%) and Gazprombank announced a net profit of RUB 33.8 bil giving a ROE of 6.31%.

The net profit of the Russia’s banking sector amounted to RUB 503,411 bil in 2017, down 23.2% compared to the previous year. Heading up the rankings, Sberbank accounted for 0.149% of the sector’s net profit in 2017. The top 3 companies held a 0.182% share while the five largest firms some 0.195% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Generated the Most Revenues in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of RUB 1,903 bil, up 12.1% compared to the previous year.

Based on a comparison of 18 banks in Russia in 2017, Sberbank generated the largest revenues, followed by VTB Bank and Gazprombank.

Sberbank reported total revenues of RUB 1,903 bil, up 12.1% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RUB 1,903 bil in 2017 and an all time low of RUB 112 bil in 2003. The average revenue in the last five years amounted to RUB 1,487 bil.

Bank's total revenues accounted for 7.02% of total assets in 2017, up from 6.69% a year earlier.

Comparing Sberbank with its closest peers, VTB Bank generated total revenues of RUB 598 bil, or 4.60% of assets in 2017, Gazprombank operated with RUB 154 bil total income, or 2.78% revenue margin and Alfa Bank produced total income worth RUB 137 bil, or 5.33% of assets.

Russian banking sector generated total revenues of RUB 10,903,149 bil in 2017, down 16.9% when compared to the previous year. As a result, the top ranked company - Sberbank accounted for 0.017% of the sector’s total income in 2017. The top 3 companies held a 0.024% share while the five largest firms some 0.027% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Were the Most Cost Efficient in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Credit Bank of Moscow was the most cost efficient bank, followed by UniCredit Bank Russia and Sberbank.

Credit Bank of Moscow's cost to income ratio reached 26.8% in 2017, down

Based on a comparison of 18 banks in Russia in 2017, Credit Bank of Moscow was the most cost efficient bank, followed by UniCredit Bank Russia and Sberbank.

Credit Bank of Moscow's cost to income ratio reached 26.8% in 2017, down from 24.6% when compared to the last year. Historically, the bank’s costs reached an all time high of 82.4% in 2007 and an all time low of 24.6% in 2016.

When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 1.04% a year earlier.

Comparing Credit Bank of Moscow with its closest peers, UniCredit Bank Russia operated in 2017 with a cost to income ratio of 34.4%, Sberbank reached 35.3% and AK BARS Bank some 40.6%.

The average cost to income ratio reached 79.9% in the Russian banking sector in 2017.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Russian banks in the report section.

What Banks in Russia Achieved the Highest Interest Margin in 2017?

August 20, 2019

Based on a comparison of 18 banks in Russia in 2017, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Raiffeisenbank Russia.

Tinkoff Group's net interest margin amounted to 20.7% in 2017,

Based on a comparison of 18 banks in Russia in 2017, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Raiffeisenbank Russia.

Tinkoff Group's net interest margin amounted to 20.7% in 2017, down from 21.6% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 35.7% in 2011 and an all time low of 19.8% in 2015. The average margin in the last five years amounted to 24.9%.

Average asset yield was 26.8% in 2017, down from 30.4% when compared to previous year. On the other hand, cost of funding amounted to 7.22% in 2017, down from 10.5%.

Comparing Tinkoff Group with its closest peers, OTP Bank Russia operated in 2017 with a net interest margin of 12.3% Raiffeisenbank Russia reached 5.65% and Sberbank some 5.53%.

The average net interest margin reached 3.42% in the Russian banking sector in 2017 while interest spread amounted to 4.70%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Russian banks in the report section.

See all charts of the company »

Tinkoff Group's price/earnings (P/E) fell 42.2% to 6,010 in 2018

Tinkoff Group's net interest margin fell 11.4% to 18.4% in 2018

Tinkoff Group's net interest income rose 28.5% to RUB 59.2 bil in 2018

Tinkoff Group's net profit rose 42.4% to RUB 27.1 bil in 2018

Tinkoff Group's npls (as % of loans) rose 25.6% to 11.1% in 2018