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Tinkoff Group

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Tinkoff Group

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

... ...       15,537 26,860 30,798 24,597 34,026    
... ...       15,227 26,943 29,921 28,204 40,932    
... ...       8,773 17,321 20,734 17,261 22,950    
          3,791 5,755 3,401 1,851 11,011    

balance sheet

... ...       0.000 0.000 ... 726 347    
... ...       47,784 73,962 74,580 82,067 102,912    
... ...       0.000 0.000 6,677 15,936 33,286    
... ...       66,014 98,994 108,806 139,652 175,371    
          9,059 20,551 20,969 22,946 29,518    
... ...       514 0.000 10,331 6,392 489    
... ...       26,672 43,207 43,366 89,343 124,556    
... ...       26,920 32,720 30,666 16,514 14,500    

ratios

          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

... ... ... ... ... ... 2,826 574 545 1,888    
... ... ... ... ... ... 180 180 179 179    
... ... ... ... ... ... 516 194 222 640    
... ... ... ... ... ... 32.0 18.9 10.4 61.5    
... ... ... ... ... ... 114 116 128 165    
... ... ... ... ... ... 16.1 10.3 21.5 10.4    
... ... ... ... ... ... 4.52 1.66 1.73 3.88    
... ... ... ... ... ... ... -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 mil
Interest Cost RUB mil
Net Interest Income RUB mil
Net Fee Income RUB mil
Other Income RUB mil
Total Revenues RUB mil
Staff Cost RUB mil
Depreciation RUB mil
Other Cost RUB mil
Operating Cost RUB mil
Operating Profit RUB mil
Provisions RUB mil
Extra and Other Cost RUB mil
Pre-Tax Profit RUB mil
Tax RUB mil
Minorities RUB mil
Net Profit RUB mil
... ...       20,433 35,038 39,062 37,562 47,824    
... ...       4,895 8,177 8,264 12,965 13,798    
... ...       15,537 26,860 30,798 24,597 34,026    
... ...       -230 -400 -679 2,814 4,889    
... ...       -80.0 482 -198 793 2,017    
... ...       15,227 26,943 29,921 28,204 40,932    
... ...       2,133 4,790 4,867 6,289 10,142    
... ...       261 385 447 412 515    
... ...       4,060 4,446 3,873 4,242 7,325    
... ...       6,454 9,621 9,187 10,943 17,982    
... ...       8,773 17,321 20,734 17,261 22,950    
... ...       3,863 9,801 15,839 14,695 8,386    
... ...       0.000 0.000 0.000 0.000 0.000    
... ...       4,910 7,520 4,895 2,566 14,564    
... ...       1,123 1,766 1,494 715 3,553    
... ... ... ... ... ... ... ... ... ...    
          3,791 5,755 3,401 1,851 11,011    

growth rates

... ... ...     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

... ...       14,577 19,757 11,385 14,364 17,415    
... ...       0.000 0.000 ... 726 347    
... ...       47,784 73,962 74,580 82,067 102,912    
... ...       0.000 0.000 6,677 15,936 33,286    
... ...       954 1,136 1,667 3,471 6,476    
... ...       66,014 98,994 108,806 139,652 175,371    
          9,059 20,551 20,969 22,946 29,518    
... ... ... ... ... ... ... ... ... ...    
... ...       56,955 78,443 87,837 116,706 145,853    
... ...       514 0.000 10,331 6,392 489    
... ...       26,672 43,207 43,366 89,343 124,556    
... ...       25,754 41,610 41,292 88,450 118,747    
... ...       917 1,597 2,075 893 5,809    
... ...       26,920 32,720 30,666 16,514 14,500    
... ...       2,849 2,516 3,474 4,457 6,308    

asset quality

... ...       2,449 5,852 13,589 12,463 12,336    
... ...       52,341 83,367 93,907 101,081 120,435    
... ...       4,240 9,405 19,328 19,014 17,523    

growth rates

... ... ...     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

          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

Based on a comparison of 18 banks in Russia in 2016, OTP Bank Russia had the highest share of bad loans, followed by Russian Agricultural Bank and Promsvyazbank.

OTP Bank Russia's non-performing loans reached 21.5% of total loans at the

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Based on a comparison of 18 banks in Russia in 2016, OTP Bank Russia had the highest share of bad loans, followed by Russian Agricultural Bank and Promsvyazbank.

OTP Bank Russia's non-performing loans reached 21.5% of total loans at the end of 2016, up from 19.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 21.5% in 2016 and an all time low of 12.3% in 2010.

Provision coverage amounted to 20.5% at the end of 2016, down from 22.9% compared to a year earlier.

Comparing OTP Bank Russia with its closest peers, Russian Agricultural Bank operated at the end of 2016 with NPL ratio of 20.5% and provision coverage of 51.2%, Promsvyazbank with 19.3% and 41.4% and Tinkoff Group had 10.2% of bad loans covered with 142% by provisions at the end of 2016.

Non-performing loans of the whole Russia’s banking sector amounted to 9.44% of total loans in 2016, up from 8.35% when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Russian banks in the report section.

Based on a comparison of 18 banks in Russia in 2016, B&N Bank operated with the lowest loan to deposit ratio, followed by AK BARS Bank and Tinkoff Group.

B&N Bank's loan to deposit ratio reached 36.7% at the end of 2016,

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Based on a comparison of 18 banks in Russia in 2016, B&N Bank operated with the lowest loan to deposit ratio, followed by AK BARS Bank and Tinkoff Group.

B&N Bank's loan to deposit ratio reached 36.7% at the end of 2016, down from 44.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 81.2% in 2014 and an all time low of 36.7% in 2016.

Comparing B&N Bank with its closest peers, AK BARS Bank ended the year 2016 with loans to deposits at 80.1%, Tinkoff Group with 82.6% and OTP Bank Russia some 85.6% of loans to deposits at the end of 2016.

Overall, total loans of the Russian banking sector amounted to 133% of deposits at the end of 2016.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Russian banks in the report section.

Based on a comparison of 18 banks in Russia in 2016, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Sovcombank.

Tinkoff Group's net interest margin amounted to 21.6% in 2016, up from

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Based on a comparison of 18 banks in Russia in 2016, Tinkoff Group operated with the highest net interest margin, followed by OTP Bank Russia and Sovcombank.

Tinkoff Group's net interest margin amounted to 21.6% in 2016, up from 19.8% 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 27.2%.

Average asset yield was 30.4% in 2016, up from 30.2% when compared to previous year. On the other hand, cost of funding amounted to 10.5% in 2016, down from 12.7%.

Comparing Tinkoff Group with its closest peers, OTP Bank Russia operated in 2016 with a net interest margin of 13.8% Sovcombank reached 5.37% and Raiffeisenbank Russia some 5.27%.

The average net interest margin reached 3.52% in the Russian banking sector in 2016 while interest spread amounted to 5.63%.

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.

Based on a comparison of 18 banks in Russia in 2016, Sovcombank was the most cost efficient bank, followed by AK BARS Bank and Credit Bank of Moscow.

Sovcombank's cost to income ratio reached 24.0% in 2016, down from 25.1% when

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Based on a comparison of 18 banks in Russia in 2016, Sovcombank was the most cost efficient bank, followed by AK BARS Bank and Credit Bank of Moscow.

Sovcombank's cost to income ratio reached 24.0% in 2016, down from 25.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 82.3% in 2008 and an all time low of 24.0% in 2016.

When compared to total assets, bank's cost amounted to 1.39% in 2016, down from 3.30% a year earlier.

Comparing Sovcombank with its closest peers, AK BARS Bank operated in 2016 with a cost to income ratio of 24.4%, Credit Bank of Moscow reached 24.6% and UniCredit Bank Russia some 33.9%.

The average cost to income ratio reached 88.1% in the Russian banking sector in 2016.

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.

See all charts of the company »
Tinkoff Group's net profit rose 42.4% to RUB 27,088 mil in 2018
Tinkoff Group's price/earnings (P/E) fell 42.2% to 6.01 in 2018
Tinkoff Group's net interest margin fell 11.4% to 18.4% in 2018
Tinkoff Group's net interest margin fell 11.4% to 18.4% in 2018
Tinkoff Group's net interest margin fell 11.4% to 18.4% 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 59,217 mil in 2018
Tinkoff Group's npls (as % of loans) rose 25.6% to 11.1% in 2018
Tinkoff Group's npls (as % of loans) rose 25.6% to 11.1% in 2018
Tinkoff Group's net interest income rose 28.5% to RUB 59,217 mil in 2018