Тут мне подкинули ссылку на корпоративный отчет Tinkoff Credit Systems, который они обязаны выпускать для держателей своих депозитарных расписок (GDR). И там банковская классика во всей красе:

"In addition to these important factors and matters discussed elsewhere herein, important factors that, in the Group’s view, could cause

actual results to differ materially from those discussed in the forward-looking statements include:

— increase in consumer protection activity challenging certain terms of consumer loans and regulatory activity aimed at strengthening consumer protection;

— changes in applicable consumer protection or banking legislation or their interpretation by courts and regulators imposing greater compliance requirements on Tinkoff Bank

— changes in customers’ personal consumption and income levels as well as in their understanding of loan products"

Или в переводе на простой и понятный русский, прибыль банка Тинькофф упадет если: