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summary

Unit

2007

2008

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2011

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2016

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2018

income statement

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

...	...	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

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

...	...	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

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)
Book Value Per Share
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
...	...	...	...	...	...	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

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

...	...				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

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

...	...	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

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

What Banks in Russia Had the Most Bad Loans in 2016?

July 4, 2019

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

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.

What Banks in Russia Had the Lowest Loan to Deposit Ratio in 2016?

July 4, 2019

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,

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.

What Banks in Russia Achieved the Highest Interest Margin in 2016?

July 4, 2019

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

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.

What Banks in Russia Were the Most Cost Efficient in 2016?

July 4, 2019

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

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 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 net interest income rose 28.5% to RUB 59,217 mil in 2018