T Financial Statements (T)
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Report date
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11.03.2021 |
04.03.2022 |
15.03.2023 |
14.03.2024 |
20.03.2025 |
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20.03.2025 |
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Currency
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RUB |
RUB |
RUB |
RUB |
RUB |
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RUB |
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Financial report URL
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Annual report URL
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Presentation URL
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Net operating income, bln rub |
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195.8 |
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303.9 |
424.3 |
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962.0 |
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Net interest income, bln rub |
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104.7 |
132.6 |
143.9 |
230.0 |
380.0 |
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379.7 |
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Net commission income, bln rub |
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26.0 |
47.3 |
84.1 |
73.1 |
106.0 |
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106.0 |
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Income on securities, bln rub |
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-1.10 |
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9.53 |
11.0 |
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Number of cliens, mln clients |
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27.9 |
47.8 |
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47.8 |
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Net profit, bln rub |
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44.2 |
63.4 |
20.8 |
80.9 |
122.2 |
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122.2 |
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Dividend payout, bln rub
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12.9 |
0.000 |
0.000 |
0.000 |
33.4 |
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24.8 |
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Dividend, rub/share
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64.7 |
0 |
0 |
0 |
32 |
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92.5 |
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Ordinary share dividend yield, %
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2.7% |
0.0% |
0.0% |
0.0% |
1.2% |
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2.9% |
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Dividend payout ratio, %
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29% |
0% |
0% |
0% |
27% |
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20% |
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OPEX, bln rub |
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35.6 |
59.4 |
93.7 |
122.9 |
198.3 |
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198.3 |
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Amortization, bln rub |
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6.2 |
9.9 |
15.5 |
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Employment expenses, bln rub |
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24.3 |
45.3 |
69.3 |
85.1 |
122.9 |
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Creation of provision for loan impairment, bln rub |
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35.0 |
21.7 |
65.4 |
50.2 |
129.6 |
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129.6 |
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Write off loans, bln rub |
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16.9 |
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10.1 |
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Cash, bln rub |
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136.0 |
316.0 |
511.6 |
724.2 |
1 427 |
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1 427 |
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Net debt, bln rub |
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-136.0 |
-316.0 |
-511.6 |
-724.2 |
-1 427 |
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-1 427 |
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Bank assets, bln rub |
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859.3 |
1 318 |
1 599 |
2 270 |
5 119 |
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5 119 |
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Capital, bln rub |
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127.0 |
176.0 |
205.8 |
283.9 |
519.9 |
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519.9 |
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Loan portfolio, bln rub |
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376.5 |
606.0 |
606.5 |
972.4 |
2 537 |
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2 537 |
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Deposits, bln rub |
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626.8 |
946.0 |
1 192 |
1 713 |
4 010 |
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4 010 |
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Corporate deposits, bln rub |
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268.0 |
733.0 |
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733.0 |
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Retail deposits, bln rub |
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1 346 |
3 174 |
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3 174 |
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Provision for loan impairment, bln rub |
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149.0 |
224.5 |
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224.5 |
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Core capital adequacy ratio, % |
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13.1% |
15.3% |
16.6% |
13.6% |
10.8% |
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10.8% |
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Total capital adequacy ratio, % |
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17.8% |
20.2% |
16.9% |
16.9% |
12.8% |
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12.8% |
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Cost of risk ratio, % |
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10.00% |
4.50% |
9.90% |
6.20% |
6.50% |
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6.93% |
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Cost to Income (CIR), % |
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49.1% |
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Loan to deposit ratio, % |
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60% |
64% |
51% |
57% |
63% |
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63% |
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Share of non-performing loans, % |
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10.4% |
8.60% |
12.1% |
9.50% |
5.80% |
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5.80% |
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Ordinary share price, rub |
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2 360 |
6 066 |
2 544 |
3 222 |
2 730 |
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3 214 |
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Number of ordinary shares, mln |
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199.3 |
199.3 |
199.3 |
199.3 |
268.3 |
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268.3 |
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Free Float, % |
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64.9% |
64.9% |
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Market cap, bln rub |
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470.4 |
1 209 |
507.0 |
642.1 |
732.5 |
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862.2 |
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EV, bln rub |
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334.4 |
892.9 |
-4.54 |
-82.1 |
-694.5 |
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-564.8 |
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EPS, rub |
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221.8 |
318.1 |
104.4 |
405.9 |
455.5 |
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455.5 |
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ROE, % |
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40.6% |
42.5% |
10.9% |
33.5% |
32.5% |
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ROA, % |
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6.4% |
6.2% |
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Net intertest margin, % |
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17.8% |
15.1% |
12.2% |
14.8% |
12.0% |
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13.0% |
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Bank margin, % |
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22.6% |
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26.6% |
28.8% |
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12.7% |
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P/E |
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10.6 |
19.1 |
24.4 |
7.94 |
5.99 |
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7.06 |
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P/B |
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3.70 |
6.87 |
2.46 |
2.26 |
1.41 |
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1.66 |
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Employees, people |
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25 970 |
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Labour productivity, mln rub/person/year |
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7.54 |
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Expenses per employee, thousand rub |
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935.7 |
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| T shareholders |
