Sector: Financial Services
RU_MBNK
Shares: connector/market_inputs
Monetary columns are in B RUB, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeB RUB | Net profitB RUB | AssetsB RUB | EquityB RUB | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-03-31 | Q1 2026 (3M) | OK | 14.3 y/y 64.9% | 2.5 y/y 157.9% | 767.2 y/y 22.2% | 108.3 y/y 15.5% | 9.3% | Report (PDF) |
| 2025-12-31 | Q4 2025 (3M) | OK | 14.6 y/y 54.5% | 5.0 y/y 882.4% | 754.5 y/y 25.2% | 106.8 y/y 14.9% | 13.8% | Report (PDF) |
| 2025-09-30 | Q3 2025 (3M) | OK | 12.0 y/y 6.8% | 6.0 y/y 46.6% | 789.1 y/y 42.2% | 102.7 y/y 11.0% | 8.2% | Report (PDF) |
| 2025-06-30 | Q2 2025 (3M) | OK | 10.7 y/y -4.4% | 2.5 y/y -36.2% | 752.5 y/y 55.6% | 93.5 y/y 4.6% | 10.7% | Report (PDF) |
| 2025-03-31 | Q1 2025 (3M) | OK | 8.7 y/y -10.2% | 1.0 y/y -74.9% | 627.9 y/y 29.0% | 93.7 y/y 24.8% | 4.2% | Report (PDF) |
| 2024-12-31 | Q4 2024 (3M) | OK | 9.5 y/y -61.6% | 0.5 y/y -94.0% | 602.5 y/y 25.5% | 92.9 y/y 30.4% | 13.3% | Report (PDF) |
| 2024-09-30 | Q3 2024 (3M) | OK | 11.3 y/y — | 4.1 y/y — | 555.0 y/y — | 92.6 y/y — | 6.0% | Report (PDF) |
| 2024-06-30 | Q2 2024 (3M) | OK | 11.2 y/y 20.4% | 3.9 y/y 30.0% | 483.5 y/y 0.0% | 89.4 y/y -11.0% | 19.0% | Report (PDF) |
| 2024-03-31 | Q1 2024 (3M) | OK | 9.7 y/y 16.5% | 3.9 y/y 34.8% | 486.7 y/y — | 75.1 y/y — | 21.1% | Report (PDF) |
| 2023-12-31 | Q4 2023 (3M) | OK | 24.6 y/y — | 8.4 y/y — | 480.1 y/y — | 71.3 y/y — | — | Report (PDF) |
| 2023-09-30 | Q3 2023 (3M) | OK | -6.3 y/y — | -1.8 y/y — | — y/y — | — y/y — | — | Report (PDF) |
| 2023-06-30 | Q2 2023 (3M) | OK | 9.3 y/y — | 3.0 y/y — | 483.5 y/y — | 100.4 y/y — | — | Report (PDF) |
| 2023-03-31 | Q1 2023 (3M) | OK | 8.3 y/y — | 2.9 y/y — | — y/y — | — y/y — | — | — |
IFRS decomposition: interest, fee and trading result with provisions, costs and the recurring/non-recurring profit split (bn RUB). Source: eninvs.com.
| Item, bn RUB | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|
| Interest income | 57.5 | 91.2 | 136 | +49% |
| Interest expense | -21.7 | -49.7 | -90.1 | -81% |
| Net interest income | 35.9 | 41.6 | 46.0 | +11% |
| Credit-loss provisions | -30.0 | -32.4 | -24.3 | +25% |
| NII after provisions | 10.0 | 10.7 | 21.2 | +99% |
| Fee & commission income | 30.8 | 32.1 | 23.8 | -26% |
| Fee & commission expense | -9.3 | -8.8 | -8.6 | +3% |
| Net fee & commission income | 21.4 | 23.2 | 15.2 | -35% |
| Financial instruments & investment result | 4.3 | 3.7 | 0.3 | -92% |
| Operating income | 66.7 | 73.6 | 69.8 | -5% |
| Administrative & other expenses (SG&A) | -20.1 | -24.6 | -23.9 | +3% |
| Profit before tax | 14.4 | 12.9 | 18.7 | +45% |
| Income tax | -1.9 | -0.6 | -4.3 | -643% |
| Net profit | 12.5 | 12.4 | 14.4 | +17% |
| of which recurring | 8.7 | 8.8 | 14.2 | +61% |
| of which non-recurring | 3.8 | 3.5 | 0.2 | -94% |
| Key ratios (annual) | ||||
| ROE | 19.1% | 15.1% | 14.5% | -0.6 pp |
| Cost of risk (CoR) | 10.17% | 8.83% | 6.72% | -2.1 pp |
| Cost-to-income (CIR) | 30.2% | 33.4% | 34.3% | +0.9 pp |
| Net interest margin (NIM) | 8.57% | 7.68% | 6.78% | -0.9 pp |
ROE = net profit ×4 / avg equity; CoR = provisions ×4 / avg credit portfolio; CIR = admin expense / operating income; NIM = NII ×4 / avg assets.
| Quarter | 24/06 Q2 | 24/09 Q3 | 24/12 Q4 | 25/03 Q1 | 25/06 Q2 | 25/09 Q3 | 25/12 Q4 | 26/03 Q1 |
|---|---|---|---|---|---|---|---|---|
| P&L, bn RUB | ||||||||
| Net interest income | 11.2 | 11.3 | 9.5 | 8.7 | 10.7 | 12.0 | 14.6 | 14.3 |
| Provisions | -7.0 | -7.8 | -8.4 | -5.0 | -6.0 | -6.5 | -6.8 | -8.1 |
| Net fee income | 6.3 | 5.3 | 4.8 | 4.0 | 3.8 | 4.0 | 3.4 | 3.2 |
| Financial instruments & investment | -0.7 | 1.2 | 1.6 | -2.1 | -0.3 | 2.3 | 0.4 | 0.6 |
| Operating income | 19.8 | 19.0 | 16.5 | 14.6 | 16.6 | 18.1 | 20.5 | 19.7 |
| Admin (SG&A) | -6.5 | -6.3 | -6.4 | -4.6 | -5.6 | -6.1 | -7.5 | -6.8 |
| Net profit | 3.9 | 4.1 | 0.5 | 1.0 | 2.5 | 6.0 | 5.0 | 2.5 |
| Balance (period-end), bn RUB | ||||||||
| Credit portfolio | 370 | 398 | 386 | 371 | 361 | 344 | 339 | 328 |
| Securities portfolio (bonds) | 48.4 | 67.1 | 78.8 | 125 | 283 | 296 | 301 | 271 |
| Customer deposits | 333 | 378 | 360 | 371 | 450 | 463 | 489 | 453 |
| Other assets | 65.4 | 89.6 | 138 | 132 | 109 | 149 | 114 | 168 |
| Total assets | 484 | 555 | 602 | 628 | 752 | 789 | 754 | 767 |
| Equity | 89.4 | 92.6 | 92.9 | 93.7 | 93.5 | 103 | 107 | 108 |
| Key ratios (annualised) | ||||||||
| ROE (annualised) | 19.0% | 18.0% | 2.2% | 4.2% | 10.7% | 24.5% | 19.0% | 9.3% |
| Cost of risk (CoR) | 7.63% | 8.12% | 8.60% | 5.28% | 6.54% | 7.44% | 8.00% | 9.68% |
| Cost-to-income (CIR) | 33.1% | 33.0% | 39.2% | 31.9% | 33.9% | 33.9% | 36.6% | 34.5% |
| Net interest margin (NIM) | 9.21% | 8.68% | 6.54% | 5.64% | 6.19% | 6.24% | 7.58% | 7.51% |
Bank of Russia form 0409135 · latest reporting date 01.07.2026 (June 2026) · not systemically important
| Date | Н1.0, % (headroom) | Н1.2, % (headroom) | Н1.1, % (headroom) | Н2, % | Н3, % | Н4, % | Status |
|---|---|---|---|---|---|---|---|
| 01.07.2026 | 12.53 (+3.03) | 11.64 (+4.14) | 9.24 (+3.24) | 91.93 | 92.98 | 30.22 | ok |
| 01.06.2026 | 12.54 (+3.04) | 11.68 (+4.18) | 9.28 (+3.28) | 93.46 | 88.23 | 30.33 | ok |
| 01.05.2026 | 12.26 (+2.76) | 11.39 (+3.89) | 9.08 (+3.08) | 112.44 | 79.67 | 31.09 | ok |
| 01.04.2026 | 12.27 (+2.77) | 11.47 (+3.98) | 9.20 (+3.19) | 106.28 | 81.25 | 31.18 | ok |
| 01.03.2026 | 12.45 (+2.95) | 11.12 (+3.62) | 8.80 (+2.80) | 84.20 | 91.25 | 35.48 | ok |
| 01.02.2026 | 12.26 (+2.76) | 11.06 (+3.56) | 8.76 (+2.76) | 106.69 | 75.03 | 36.21 | ok |
| 01.01.2026 | 12.14 (+2.64) | 10.92 (+3.42) | 8.66 (+2.66) | 129.03 | 73.85 | 39.21 | ok |
| 01.12.2025 | 11.46 (+2.46) | 10.46 (+3.46) | 8.30 (+2.80) | 120.69 | 75.31 | 39.62 | ok |
| 01.11.2025 | 11.30 (+2.30) | 10.43 (+3.42) | 8.28 (+2.78) | 70.52 | 90.95 | 40.03 | ok |
| 01.10.2025 | 11.34 (+2.34) | 10.41 (+3.41) | 8.26 (+2.76) | 82.09 | 79.44 | 39.77 | ok |
| 01.09.2025 | 11.06 (+2.06) | 10.10 (+3.10) | 8.02 (+2.52) | 120.60 | 77.41 | 39.99 | ok |
| 01.08.2025 | 11.08 (+2.08) | 10.21 (+3.21) | 8.11 (+2.61) | 131.68 | 93.96 | 40.61 | ok |
CBR reporting dates are the 1st of the month, i.e. the previous month's close. Figures in brackets are headroom over the minimum incl. buffers; «r» marks a value taken from the bank's own release (clickable). N20.x are banking-group ratios, N2/N3/N4 are liquidity ratios, N27 is the NSTLR.
Dividend-model upside: +2%
The payout is forecast from smoothed profit × payout ratio, capped by free cash flow (developers exempt — escrow) and floored at the recent actual dividend (companies hold payouts while profitable). Fair yield = key rate + the historical yield-spread to the rate (so growers that historically traded below the rate score higher). Upside = fair price / current − 1.
| 1 · Forecast dividend (per policy) | |
| Smoothed net profit (median YTD-ann./LTM/FY) | 14 bn RUB |
| Payout ratio | 24% |
| Recent actual dividend (3-yr median) | 96.12 ₽ |
| = Forecast dividend per share | 96.12 ₽ |
| 2 · Fair yield (spread to key rate) | |
| CBR key rate | 14.0% |
| Historical yield spread to rate (3-yr median) | -9.2 pp |
| = Fair dividend yield (bank floor ≈ rate−3.5) | 10.5% |
| 3 · Valuation → upside | |
| Current price | 901 ₽ |
| Forecast dividend yield | 10.7% |
| Fair price (dividend-based) | 915 ₽ |
Forecast, not investment advice. Earnings annualization and policy assumptions are estimates.
Paid, trailing 12-mo: 96.12 RUB/sh · 10.7%
| Pay year | Dividend /sh | |
|---|---|---|
| 2026 | 96.12 ₽ | |
| 2025 | 89.31 ₽ |
| Period | Ex-date | /sh |
|---|---|---|
| 2026 q3 | 2026-07-09 | 96.12 ₽ |
| 2025 q3 | 2025-07-10 | 89.31 ₽ |
No dividend rows found for this issuer.
Substantive mentions last 7 days: 0, last 30 days: 0 across tracked channels, broker research and shows. 1 passing mentions (digests, calendars) hidden.
Sources: Telegram channels (bloggers — blue chip, broker research — green), YouTube shows via transcripts (orange). Tone (▲/▼) is an automatic assessment in the stock's context. Quotes are fragmentary; authors' views are not our recommendations.
| 01.07.26 | Filing | ★ ▲ Дата определения (фиксации) лиц, имеющих право на осуществление прав по ценным бумагам эмитента ПАО 'МТС-Банк' объявило о дате определения владельцев акций для получения дивидендов. Список владельцев будет составлен на 10.07.2026, а решение принято на годовом собрании акционеров 01.07.2026. |
| 12.03.26 | Filing | ★ Совершение эмитентом сделки, в совершении которой имеется заинтересованность ПАО 'МТС-Банк' совершит сделку по приобретению дополнительных инвестиционных паев ЗПИФ на сумму 20 млрд. руб. Срок исполнения обязательств по сделке - не позднее 13.03.2026. Сделка одобрена Советом директоров 06.03.2026. |
| 31.07.26 | AGM / Board | Решения совета директоров (наблюдательного совета) 30 июля 2026 года Совет директоров ПАО 'МТС-Банк' утвердил нового Директора по инвестициям и премиальному сервису на срок 3 года с 4 августа 2026 года. Решение было принято единогласно с 8 голосами 'ЗА'. |
| 01.07.26 | AGM / Board | Решения общих собраний участников (акционеров) 26 июня 2026 года пройдет годовое общее собрание акционеров ПАО «МТС-Банк», на котором будет утвержден годовой отчет и годовая бухгалтерская отчетность за 2025 год, а также объявлены дивиденды в размере 3 520,24 руб. на одну привилегированную акцию и 96,12 руб. на одну обыкновенную акцию. Дивиденды будут выплачены в денежной форме в течение 10 и 25 рабочих дней в зависимости от категории акционеров. |
Source: e-disclosure material filings over the last 180 days; ★ — flagged important by the classifier; summaries are automatic.
Disclosed in the top-10 of 0 of 17 funds, ≈0 млн ₽ combined. Last month: left top-10 — 1.
| Fund | Manager | Weight | ≈Position | Δ weight m/m | Disclosure |
|---|---|---|---|---|---|
| SIPO Первая – Фонд АйПиО | Первая | left top-10 (was 8.43%) | 30.06.2026 | ||
Source: monthly fund portfolio disclosures (investfunds); NAV is daily. Disclosures list each fund's top-10 only, so absence does not mean no position. Weight changes mix revaluation with trading. Fund flows and betas live in the fund monitor on the RU region page.
Reporting forms detected in loaded periods: ✓ ✓ — (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of MTS Bank (MBNK) — from primary filings.
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