T Financial Statements (T)
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Report date
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04.03.2022 |
15.03.2023 |
14.03.2024 |
20.03.2025 |
19.03.2026 |
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19.03.2026 |
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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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303.9 |
543.0 |
774.1 |
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774.1 |
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Net interest income, bln rub |
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132.6 |
143.9 |
230.0 |
380.0 |
520.0 |
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520.0 |
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Net commission income, bln rub |
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47.3 |
84.1 |
73.1 |
106.0 |
146.1 |
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146.1 |
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Income on securities, bln rub |
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9.53 |
11.0 |
33.1 |
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33.1 |
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Number of cliens, mln clients |
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27.9 |
47.8 |
54.1 |
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54.1 |
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Net profit, bln rub |
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63.4 |
20.8 |
80.9 |
122.4 |
177.0 |
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177.0 |
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OCF, bln rub |
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375.7 |
226.3 |
522.3 |
-105.2 |
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Dividend payout, bln rub
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0.000 |
0.000 |
0.000 |
33.4 |
40.0 |
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40.0 |
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Dividend, rub/share
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0 |
0 |
0 |
124.5 |
149 |
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149 |
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Ordinary share dividend yield, %
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0.0% |
0.0% |
0.0% |
4.6% |
4.5% |
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4.7% |
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Dividend payout ratio, %
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0% |
0% |
0% |
27% |
23% |
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23% |
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OPEX, bln rub |
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59.4 |
93.7 |
122.9 |
198.3 |
276.3 |
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276.3 |
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Amortization, bln rub |
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6.2 |
9.9 |
22.0 |
36.1 |
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Employment expenses, bln rub |
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45.3 |
69.3 |
85.1 |
122.9 |
168.3 |
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Interest expenses, bln rub |
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56.8 |
62.2 |
298.9 |
540.2 |
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Creation of provision for loan impairment, bln rub |
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21.7 |
65.4 |
50.2 |
129.6 |
165.2 |
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165.2 |
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Bank assets, bln rub |
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1 318 |
1 599 |
2 270 |
5 118 |
6 083 |
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6 083 |
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Capital, bln rub |
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176.0 |
205.8 |
283.9 |
519.9 |
683.6 |
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683.6 |
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Loan portfolio, bln rub |
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606.0 |
731.6 |
1 121 |
2 691 |
3 402 |
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3 402 |
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Corporate loans, bln rub |
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34.2 |
535.2 |
862.5 |
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862.5 |
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Retail loans, bln rub |
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1 087 |
2 155 |
2 539 |
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2 539 |
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Deposits, bln rub |
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946.0 |
1 192 |
1 713 |
4 010 |
4 412 |
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4 412 |
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Corporate deposits, bln rub |
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268.0 |
733.3 |
903.4 |
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903.4 |
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Retail deposits, bln rub |
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1 346 |
3 173 |
3 411 |
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3 411 |
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Provision for loan impairment, bln rub |
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125.7 |
149.0 |
224.5 |
310.1 |
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310.1 |
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Core capital adequacy ratio, % |
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15.3% |
16.6% |
13.6% |
9.60% |
11.4% |
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11.4% |
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Total capital adequacy ratio, % |
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20.2% |
16.9% |
16.9% |
12.8% |
13.0% |
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13.0% |
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Cost of risk ratio, % |
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4.50% |
9.90% |
6.20% |
7.30% |
5.70% |
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5.73% |
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Cost to Income (CIR), % |
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46.7% |
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Loan to deposit ratio, % |
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64% |
61% |
65% |
67% |
77% |
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77% |
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Share of non-performing loans, % |
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8.60% |
12.1% |
9.50% |
8.20% |
9.00% |
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9.00% |
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Ordinary share price, rub |
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6 066 |
2 544 |
3 222 |
2 730 |
3 278 |
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3 196 |
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Number of ordinary shares, mln |
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199.3 |
199.3 |
199.3 |
268.3 |
268.3 |
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268.3 |
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Free Float, % |
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64.9% |
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56.0% |
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56.0% |
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Market cap, bln rub |
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1 209 |
507.0 |
642.1 |
732.5 |
879.3 |
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857.4 |
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EV, bln rub |
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892.9 |
-4.54 |
-82.1 |
-694.5 |
-355.7 |
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-377.6 |
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EPS, rub |
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318.1 |
104.4 |
405.9 |
456.2 |
659.8 |
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659.8 |
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ROE, % |
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42.5% |
10.9% |
33.5% |
32.5% |
29.1% |
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33.3% |
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ROA, % |
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6.2% |
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4.9% |
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Net intertest margin, % |
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15.1% |
12.2% |
14.8% |
11.8% |
10.8% |
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10.8% |
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Bank margin, % |
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26.6% |
22.5% |
22.9% |
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22.9% |
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P/E |
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19.1 |
24.4 |
7.94 |
5.98 |
4.97 |
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4.84 |
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P/B |
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6.87 |
2.46 |
2.26 |
1.41 |
1.29 |
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1.25 |
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Employees, people |
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20 000 |
20 000 |
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20 000 |
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Labour productivity, mln rub/person/year |
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27.2 |
38.7 |
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38.7 |
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Expenses per employee, thousand rub |
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6 145 |
8 415 |
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0 |
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| T shareholders |
