T Financial Statements (T)
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Report date
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11.03.2020 |
11.03.2021 |
04.03.2022 |
15.03.2023 |
14.03.2024 |
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28.11.2024 |
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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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110.0 |
195.8 |
273.9 |
366.2 |
487.7 |
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770.0 |
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Net interest income, bln rub |
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86.8 |
104.7 |
132.6 |
143.9 |
230.3 |
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322.7 |
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Net commission income, bln rub |
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18.6 |
26.0 |
47.3 |
84.1 |
73.1 |
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93.1 |
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Income on securities, bln rub |
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0.010 |
-1.10 |
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Number of cliens, mln clients |
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27.9 |
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31.4 |
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Net profit, bln rub |
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36.1 |
44.2 |
63.4 |
20.8 |
80.9 |
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104.2 |
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Dividend payout, bln rub
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5.49 |
12.9 |
0.000 |
0.000 |
0.000 |
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24.8 |
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Dividend, rub/share
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27.55 |
64.7 |
0 |
0 |
0 |
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92.5 |
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Ordinary share dividend yield, %
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2.1% |
2.7% |
0.0% |
0.0% |
0.0% |
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3.0% |
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Dividend payout ratio, %
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15% |
29% |
0% |
0% |
0% |
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24% |
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OPEX, bln rub |
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27.9 |
35.6 |
59.4 |
93.7 |
122.9 |
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246.8 |
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Amortization, bln rub |
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6.2 |
9.9 |
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Employment expenses, bln rub |
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19.2 |
24.3 |
45.3 |
69.3 |
85.1 |
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Creation of provision for loan impairment, bln rub |
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26.6 |
35.0 |
21.7 |
65.4 |
50.2 |
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111.9 |
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Write off loans, bln rub |
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12.9 |
16.9 |
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20.7 |
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Cash, bln rub |
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57.8 |
136.0 |
316.0 |
511.6 |
724.2 |
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1 267 |
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Net debt, bln rub |
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-57.8 |
-136.0 |
-316.0 |
-511.6 |
-724.2 |
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-1 267 |
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Bank assets, bln rub |
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579.5 |
859.3 |
1 318 |
1 599 |
2 270 |
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4 503 |
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Capital, bln rub |
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96.0 |
127.0 |
176.0 |
205.8 |
283.9 |
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503.0 |
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Loan portfolio, bln rub |
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329.2 |
376.5 |
606.0 |
606.5 |
972.4 |
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2 597 |
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Deposits, bln rub |
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411.6 |
626.8 |
946.0 |
1 192 |
1 713 |
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Corporate deposits, bln rub |
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268.0 |
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1 026 |
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Retail deposits, bln rub |
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1 346 |
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2 776 |
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Provision for loan impairment, bln rub |
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149.0 |
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210.0 |
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Non performing loans, bln rub |
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54.7 |
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Core capital adequacy ratio, % |
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12.1% |
13.1% |
15.3% |
16.6% |
13.6% |
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Total capital adequacy ratio, % |
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19.4% |
17.8% |
20.2% |
16.9% |
16.9% |
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13.1% |
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Cost of risk ratio, % |
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8.10% |
10.00% |
4.50% |
9.90% |
6.20% |
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6.68% |
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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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80% |
60% |
64% |
51% |
57% |
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Share of non-performing loans, % |
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9.10% |
10.4% |
8.60% |
12.1% |
9.50% |
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5.40% |
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Ordinary share price, rub |
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1 311 |
2 360 |
6 066 |
2 544 |
3 222 |
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3 043 |
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Number of ordinary shares, mln |
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199.3 |
199.3 |
199.3 |
199.3 |
199.3 |
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268.0 |
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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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261.3 |
470.4 |
1 209 |
507.0 |
642.1 |
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815.5 |
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EV, bln rub |
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203.5 |
334.4 |
892.9 |
-4.54 |
-82.1 |
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-451.5 |
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EPS, rub |
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181.1 |
221.8 |
318.1 |
104.4 |
405.9 |
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388.8 |
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ROE, % |
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55.9% |
40.6% |
42.5% |
10.9% |
33.5% |
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37.8% |
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ROA, % |
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6.2% |
6.4% |
6.2% |
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3.9% |
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Net intertest margin, % |
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21.6% |
17.8% |
15.1% |
12.2% |
14.8% |
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13.6% |
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Bank margin, % |
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32.8% |
22.6% |
23.1% |
5.68% |
16.6% |
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13.5% |
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P/E |
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7.24 |
10.6 |
19.1 |
24.4 |
7.94 |
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7.83 |
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P/B |
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2.72 |
3.70 |
6.87 |
2.46 |
2.26 |
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1.62 |
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Employees, people |
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24 700 |
25 970 |
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Labour productivity, mln rub/person/year |
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4.45 |
7.54 |
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Expenses per employee, thousand rub |
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777.5 |
935.7 |
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IR rating
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4.6 |
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Financial statement quality
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5 |
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Investor Presentations
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5 |
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Smart-lab presence
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Annual report
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Investor site URL
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Investor calendar
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IR feedback
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| T shareholders |
