MKB Financial Statements (CBOM)

МКБsmart-lab.ru %   2022Q4 2023Q1 2023Q2 2023Q3 2023Q4   LTM ?
Report date 24.03.2023 29.08.2023 29.08.2023 17.11.2023 01.03.2024   01.03.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Presentation URL  
Net operating income, bln rub ? 24.2 31.4 31.8 26.1   113.5
Net interest income, bln rub ? 24.7 28.1 32.5 30.9   116.2
Net commission income, bln rub ? 3.67 4.33 4.00 4.50   16.5
Net profit, bln rub ? 13.0 17.4 17.9 11.5   59.8
Ordinary share dividend yield, % 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
Dividend payout ratio, % 0% 0% 0% 0%   0
OPEX, bln rub 8.23 10.4 9.20 12.5   40.3
Amortization, bln rub 0.6 0.6 0.6 0.6   2.3
Employment expenses, bln rub 5.87 7.07 5.74 7.26   25.9
Creation of provision for loan impairment, bln rub 4.68 3.39 11.6 4.43   24.1
Cash, bln rub 1 515 1 570 1 442 1 525 1 379   1 379
Net debt, bln rub -1 515 -1 570 -1 442 -1 525 -1 379   -1 379
Bank assets, bln rub 3 973 4 240 4 397 4 856 4 667   4 667
Capital, bln rub 273.8 284.9 301.7 335.0 347.9   347.9
Loan portfolio, bln rub 1 845 2 037 2 114 2 436 2 350   2 350
Corporate loans, bln rub 1 649 1 837 1 914 2 233 2 149   2 149
Retail loans, bln rub 197.0 200.6 200.1 203.0 200.6   200.6
Deposits, bln rub 2 388 2 634 2 697 3 087 2 861   2 861
Corporate deposits, bln rub 1 794 2 040 2 069 2 406 2 076   2 076
Retail deposits, bln rub 594.0 594.1 628.1 628.0 785.5   785.5
Core capital adequacy ratio, % ? 12.1% 12.4%   12.4%
Total capital adequacy ratio, % ? 13.0% 13.8%   13.8%
Loan to deposit ratio, % ? 77% 77% 78% 79% 82%   82%
Share of non-performing loans, % ? 1.000%   1.000%
Ordinary share price, rub 6.72 7.17 6.78 7.03 8.02   7.42
Number of ordinary shares, mln 33 430 33 430 33 430 33 430 33 430   33 430
Market cap, bln rub 224.7 239.8 226.6 234.9 268.2   248.0
EV, bln rub ? -1 290 -1 330 -1 215 -1 290 -1 111   -1 131
EPS, rub ? 0.00 0.39 0.52 0.54 0.34   1.79
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
Bank margin, % ? 53.7% 55.4% 56.3% 44.1%   52.7%
P/E ? 18.4 7.45 4.86 4.49   4.15
P/B ? 0.82 0.84 0.75 0.70 0.77   0.71
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