MKB Financial Statements (CBOM)
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Report date
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24.03.2023 |
24.03.2023 |
01.03.2024 |
07.04.2025 |
24.04.2026 |
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24.04.2026 |
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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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62.1 |
43.4 |
140.9 |
111.4 |
291.9 |
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291.9 |
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Net interest income, bln rub |
? |
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79.6 |
62.0 |
116.2 |
105.8 |
105.2 |
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105.2 |
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Net commission income, bln rub |
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16.8 |
12.7 |
16.5 |
12.7 |
13.2 |
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13.2 |
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Income on securities, bln rub |
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-31.0 |
14.6 |
-8.33 |
-13.2 |
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-13.2 |
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Operating Income, bln rub |
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113.5 |
64.1 |
67.7 |
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67.7 |
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Net profit, bln rub |
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26.2 |
7.47 |
59.8 |
20.9 |
22.6 |
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22.6 |
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Ordinary share dividend yield, %
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0.0% |
0.0% |
0.0% |
0.0% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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0% |
0% |
0% |
0% |
0% |
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0 |
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OPEX, bln rub |
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29.6 |
35.2 |
40.3 |
41.5 |
35.6 |
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35.6 |
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Amortization, bln rub |
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2.2 |
2.3 |
2.5 |
3.2 |
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3.2 |
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Employment expenses, bln rub |
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19.6 |
21.9 |
25.9 |
26.5 |
21.1 |
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21.1 |
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Interest expenses, bln rub |
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235.9 |
301.7 |
564.0 |
644.5 |
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Creation of provision for loan impairment, bln rub |
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8.12 |
25.9 |
24.1 |
41.6 |
224.2 |
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224.2 |
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Bank assets, bln rub |
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3 420 |
3 973 |
4 667 |
5 009 |
4 874 |
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4 874 |
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Capital, bln rub |
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281.4 |
273.8 |
347.9 |
349.3 |
371.9 |
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371.9 |
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Loan portfolio, bln rub |
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1 342 |
1 845 |
2 350 |
2 798 |
2 672 |
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2 672 |
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Corporate loans, bln rub |
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1 181 |
1 649 |
2 149 |
2 589 |
2 456 |
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2 456 |
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Retail loans, bln rub |
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161.0 |
197.0 |
200.6 |
209.3 |
216.1 |
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216.1 |
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Deposits, bln rub |
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1 983 |
2 388 |
2 861 |
3 179 |
2 811 |
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2 811 |
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Corporate deposits, bln rub |
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1 418 |
1 794 |
2 076 |
2 156 |
1 826 |
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1 826 |
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Retail deposits, bln rub |
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565.0 |
594.0 |
785.5 |
1 023 |
985.4 |
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985.4 |
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Provision for loan impairment, bln rub |
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118.0 |
334.8 |
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334.8 |
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Core capital adequacy ratio, % |
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12.5% |
12.1% |
12.4% |
11.0% |
11.0% |
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11.0% |
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Total capital adequacy ratio, % |
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13.4% |
13.0% |
13.8% |
11.8% |
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Cost of risk ratio, % |
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0.100% |
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10.3% |
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Cost to Income (CIR), % |
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28.6% |
37.2% |
33.8% |
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35.8% |
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Loan to deposit ratio, % |
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68% |
77% |
82% |
88% |
95% |
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95% |
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Share of non-performing loans, % |
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1.000% |
3.20% |
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Ordinary share price, rub |
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6.85 |
6.72 |
8.02 |
10.1 |
6.09 |
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6.11 |
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Number of ordinary shares, mln |
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33 430 |
33 430 |
33 430 |
33 430 |
33 430 |
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33 430 |
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Free Float, % |
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22.0% |
22.0% |
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22.0% |
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Market cap, bln rub |
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228.9 |
224.7 |
268.2 |
338.4 |
203.6 |
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204.4 |
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EV, bln rub |
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-1 302 |
-1 290 |
268.2 |
338.4 |
203.6 |
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204.4 |
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EPS, rub |
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0.78 |
0.22 |
1.79 |
0.62 |
0.68 |
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0.68 |
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ROE, % |
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12.6% |
3.7% |
23.4% |
7.0% |
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ROA, % |
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0.8% |
0.2% |
1.4% |
0.4% |
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Net intertest margin, % |
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2.60% |
1.80% |
2.80% |
2.30% |
2.40% |
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1.90% |
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Bank margin, % |
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42.2% |
17.2% |
42.4% |
18.8% |
7.75% |
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7.75% |
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P/E |
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8.74 |
30.1 |
4.49 |
16.2 |
9.00 |
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9.04 |
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P/B |
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0.81 |
0.82 |
0.77 |
0.97 |
0.55 |
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0.55 |
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Employees, people |
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8 278 |
7 779 |
6 338 |
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6 338 |
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Labour productivity, mln rub/person/year |
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17.0 |
14.3 |
46.1 |
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46.1 |
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Expenses per employee, thousand rub |
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3 134 |
3 404 |
3 329 |
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3 329 |
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| MKB shareholders |
