T Financial Statements (T)
|
|
|
|
Report date
|
|
|
11.03.2021 |
04.03.2022 |
15.03.2023 |
14.03.2024 |
20.03.2025 |
|
20.03.2025 |
|
Currency
|
|
|
RUB |
RUB |
RUB |
RUB |
RUB |
|
RUB |
|
Financial report URL
|
|
|
|
|
|
|
|
|
|
|
Annual report URL
|
|
|
|
|
|
|
|
|
|
|
Presentation URL
|
|
|
|
|
|
|
|
|
|
|
|
Net operating income, bln rub |
? |
|
195.8 |
|
|
303.9 |
424.3 |
|
962.0 |
|
Net interest income, bln rub |
? |
|
104.7 |
132.6 |
143.9 |
230.0 |
380.0 |
|
379.7 |
|
Net commission income, bln rub |
? |
|
26.0 |
47.3 |
84.1 |
73.1 |
106.0 |
|
106.0 |
|
Income on securities, bln rub |
? |
|
-1.10 |
|
|
9.53 |
11.0 |
|
|
|
Number of cliens, mln clients |
|
|
|
|
|
27.9 |
47.8 |
|
47.8 |
|
|
Net profit, bln rub |
? |
|
44.2 |
63.4 |
20.8 |
80.9 |
122.2 |
|
122.2 |
|
|
Dividend payout, bln rub
|
|
|
12.9 |
0.000 |
0.000 |
0.000 |
33.4 |
|
24.8 |
|
|
Dividend, rub/share
|
? |
|
64.7 |
0 |
0 |
0 |
32 |
|
92.5 |
|
Ordinary share dividend yield, %
|
|
|
2.7% |
0.0% |
0.0% |
0.0% |
1.2% |
|
2.8% |
|
Dividend payout ratio, %
|
|
|
29% |
0% |
0% |
0% |
27% |
|
20% |
|
|
OPEX, bln rub |
|
|
35.6 |
59.4 |
93.7 |
122.9 |
198.3 |
|
198.3 |
|
Amortization, bln rub |
|
|
|
|
6.2 |
9.9 |
15.5 |
|
|
|
Employment expenses, bln rub |
|
|
24.3 |
45.3 |
69.3 |
85.1 |
122.9 |
|
|
|
Creation of provision for loan impairment, bln rub |
|
|
35.0 |
21.7 |
65.4 |
50.2 |
129.6 |
|
129.6 |
|
Write off loans, bln rub |
|
|
16.9 |
|
|
|
|
|
10.1 |
|
|
Cash, bln rub |
|
|
136.0 |
316.0 |
511.6 |
724.2 |
1 427 |
|
1 427 |
|
Net debt, bln rub |
|
|
-136.0 |
-316.0 |
-511.6 |
-724.2 |
-1 427 |
|
-1 427 |
|
Bank assets, bln rub |
|
|
859.3 |
1 318 |
1 599 |
2 270 |
5 119 |
|
5 119 |
|
Capital, bln rub |
|
|
127.0 |
176.0 |
205.8 |
283.9 |
519.9 |
|
519.9 |
|
Loan portfolio, bln rub |
|
|
376.5 |
606.0 |
606.5 |
972.4 |
2 537 |
|
2 537 |
|
Deposits, bln rub |
|
|
626.8 |
946.0 |
1 192 |
1 713 |
4 010 |
|
4 010 |
|
Corporate deposits, bln rub |
|
|
|
|
|
268.0 |
733.0 |
|
733.0 |
|
Retail deposits, bln rub |
|
|
|
|
|
1 346 |
3 174 |
|
3 174 |
|
Provision for loan impairment, bln rub |
|
|
|
|
|
149.0 |
224.5 |
|
224.5 |
|
|
Core capital adequacy ratio, % |
? |
|
13.1% |
15.3% |
16.6% |
13.6% |
10.8% |
|
10.8% |
|
Total capital adequacy ratio, % |
? |
|
17.8% |
20.2% |
16.9% |
16.9% |
12.8% |
|
12.8% |
|
Cost of risk ratio, % |
? |
|
10.00% |
4.50% |
9.90% |
6.20% |
6.50% |
|
6.93% |
|
Cost to Income (CIR), % |
|
|
|
|
|
|
|
|
49.1% |
|
Loan to deposit ratio, % |
? |
|
60% |
64% |
51% |
57% |
63% |
|
63% |
|
Share of non-performing loans, % |
? |
|
10.4% |
8.60% |
12.1% |
9.50% |
5.80% |
|
5.80% |
|
|
Ordinary share price, rub |
|
|
2 360 |
6 066 |
2 544 |
3 222 |
2 730 |
|
3 307 |
|
Number of ordinary shares, mln |
|
|
199.3 |
199.3 |
199.3 |
199.3 |
199.3 |
|
199.3 |
|
Free Float, % |
|
|
64.9% |
64.9% |
|
|
|
|
|
|
|
Market cap, bln rub |
|
|
470.4 |
1 209 |
507.0 |
642.1 |
544.2 |
|
659.2 |
|
EV, bln rub |
? |
|
334.4 |
892.9 |
-4.54 |
-82.1 |
-882.8 |
|
-767.8 |
|
|
EPS, rub |
? |
|
221.8 |
318.1 |
104.4 |
405.9 |
613.1 |
|
613.1 |
|
|
ROE, % |
? |
|
40.6% |
42.5% |
10.9% |
33.5% |
32.5% |
|
|
|
ROA, % |
? |
|
6.4% |
6.2% |
|
|
|
|
|
|
Net intertest margin, % |
? |
|
17.8% |
15.1% |
12.2% |
14.8% |
12.0% |
|
13.0% |
|
Bank margin, % |
? |
|
22.6% |
|
|
26.6% |
28.8% |
|
12.7% |
|
|
P/E |
? |
|
10.6 |
19.1 |
24.4 |
7.94 |
4.45 |
|
5.39 |
|
P/B |
? |
|
3.70 |
6.87 |
2.46 |
2.26 |
1.05 |
|
1.27 |
|
|
Employees, people |
|
|
25 970 |
|
|
|
|
|
|
|
Labour productivity, mln rub/person/year |
|
|
7.54 |
|
|
|
|
|
|
|
Expenses per employee, thousand rub |
|
|
935.7 |
|
|
|
|
|
|
|
| T shareholders |
