MKB Financial Statements (CBOM)

МКБsmart-lab.ru %   2019 2020 2021 2022 2023   LTM ?
Report date 18.03.2020 18.03.2021 24.03.2023 24.03.2023 01.03.2024   17.05.2024
Currency RUB RUB RUB RUB RUB   RUB
Financial report URL  
Annual report URL  
Presentation URL  
Net operating income, bln rub ? 36.3 59.3 62.1 43.4 113.5   89.3
Net interest income, bln rub ? 45.3 59.3 79.6 62.0 92.1   91.5
Net commission income, bln rub ? 11.5 15.4 16.8 12.7 16.5   12.8
Income on securities, bln rub ? -12.7 -6.94 -31.0 14.6  
Net profit, bln rub ? 12.0 30.0 26.2 7.47 59.8   60.8
Ordinary share dividend yield, % 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
Dividend payout ratio, % 0% 0% 0% 0% 0%   0
OPEX, bln rub 21.2 21.8 29.6 35.2 40.3   32.1
Amortization, bln rub 2.2 2.3   1.7
Employment expenses, bln rub 14.2 13.9 19.6 21.9 25.9   20.1
Interest expenses, bln rub 235.9 301.7  
Creation of provision for loan impairment, bln rub 6.82 18.9 8.12 25.9 24.1   19.4
Cash, bln rub 953.6 683.0 1 531 1 515 1 379  
Net debt, bln rub -953.6 -683.0 -1 531 -1 515 -1 379   0
Bank assets, bln rub 2 423 2 916 3 420 3 973 4 667  
Capital, bln rub 210.4 234.5 281.4 273.8 347.9  
Loan portfolio, bln rub 829.2 1 009 1 342 1 845 2 350  
Corporate loans, bln rub 719.4 889.0 1 181 1 649 2 149  
Retail loans, bln rub 109.8 120.0 161.0 197.0 200.6  
Deposits, bln rub 1 340 1 738 1 983 2 388 2 861  
Corporate deposits, bln rub 853.4 1 236 1 418 1 794 2 076  
Retail deposits, bln rub 486.2 501.0 565.0 594.0 785.5  
Provision for loan impairment, bln rub 34.0 37.0  
Core capital adequacy ratio, % ? 12.3% 12.7% 12.5% 12.1% 12.4%  
Total capital adequacy ratio, % ? 14.1% 13.8% 13.4% 13.0% 13.8%  
Cost of risk ratio, % ? 1.000% 1.80% 0.100%  
Loan to deposit ratio, % ? 62% 58% 68% 77% 82%  
Share of non-performing loans, % ? 3.60% 3.10% 1.000%  
Ordinary share price, rub 5.88 6.15 6.85 6.72 8.02   6.82
Number of ordinary shares, mln 29 830 33 430 33 430 33 430 33 430   33 430
Market cap, bln rub 175.4 205.5 228.9 224.7 268.2   228.0
EV, bln rub ? -778.3 -477.5 -1 302 -1 290 -1 111   228.0
EPS, rub ? 0.40 0.90 0.78 0.22 1.79   1.82
FCF yield, % ? 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
ROE, % ? 7.8% 16.9% 12.6% 3.7% 23.4%  
ROA, % ? 0.5% 1.1% 0.8% 0.2% 1.4%  
Net intertest margin, % ? 2.20% 2.30% 2.60% 1.80% 2.80%  
Bank margin, % ? 32.9% 50.6% 42.2% 17.2% 52.7%   68.1%
P/E ? 14.7 6.85 8.74 30.1 4.49   3.75
P/B ? 0.83 0.88 0.81 0.82 0.77  
Employees, people 5 511  
Labour productivity, mln rub/person/year 10.8  
Expenses per employee, thousand rub 2 519  
MKB shareholders