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...
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 | 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'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 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 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, ...
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...
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. ...
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...
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. ...
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 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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