MTS-Bank Financial Statements (MBNK)

МТС Банкsmart-lab.ru %   2021 2022 2023   LTM ?
Report date 19.04.2024 19.04.2024 19.04.2024   27.09.2024
Currency RUB RUB RUB   RUB
Financial report URL  
Presentation URL  
Net operating income, bln rub ? 32.7 43.9 64.5   56.0
Net interest income, bln rub ? 19.3 24.6 35.9   25.8
Net commission income, bln rub ? 11.9 13.5 21.4   26.1
Income on securities, bln rub ? 0.200 5.80 7.10   6.24
Net profit, bln rub ? 5.31 3.29 12.5   14.4
Ordinary share dividend yield, % 0.0% 0.0% 0.0%   0
Dividend payout ratio, % 0% 0% 0%   0
OPEX, bln rub 15.3 20.1   23.4
Employment expenses, bln rub 7.43 10.2   12.8
Creation of provision for loan impairment, bln rub 11.4 23.1 25.9   28.9
Cash, bln rub 58.2 58.9   25.3
Net debt, bln rub 0.00 -58.2 -58.9   -25.3
Bank assets, bln rub 357.0 480.1   483.5
Capital, bln rub 64.4 76.3   100.4
Loan portfolio, bln rub 241.5 347.7   418.6
Corporate loans, bln rub   40.5
Retail loans, bln rub 339.0   378.1
Deposits, bln rub 200.2 257.5 332.0   332.5
Corporate deposits, bln rub 133.0   116.5
Retail deposits, bln rub 199.0   216.0
Core capital adequacy ratio, % ? 12.6% 7.50%   8.60%
Total capital adequacy ratio, % ? 12.5% 16.1% 10.00%   10.4%
Cost of risk ratio, % ? 5.90% 8.80% 7.70%   7.70%
Loan to deposit ratio, % ? 0% 94% 105%   126%
Share of non-performing loans, % ? 5.50% 9.80% 8.80%   10.8%
Ordinary share price, rub 2 500 2 500 2 500   1 400
Number of ordinary shares, mln 30.0 30.0 30.0   30.0
Market cap, bln rub 75.0 75.0 75.0   42.0
EV, bln rub ? 75.0 16.8 16.1   16.7
EPS, rub ? 177.0 109.7 415.3   478.3
ROE, % ? 14.2% 6.3% 19.1%   19.0%
Net intertest margin, % ? 8.50% 8.20% 9.20%   9.00%
Bank margin, % ? 16.2% 7.49% 19.3%   25.6%
P/E ? 14.1 22.8 6.02   2.93
P/B ? 1.17 0.98   0.42
Employees, people 4 039 4 374 4 808  
Labour productivity, mln rub/person/year 8.10 10.0 13.4  
Expenses per employee, thousand rub 0.00 1 699 2 128  
IR rating   3.7
Financial statement quality   5
Investor Presentations   5
Smart-lab presence   1
Annual report   5
Investor site URL   4
Investor calendar   1
IR feedback   5
MTS-Bank shareholders