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About the company MKB

Security page

Credit Bank of Moscow is one of the largest private banks in Russia, with a strong tilt towards serving large corporate business. It does have a retail arm, but that arm trails the corporate one noticeably in its share of the balance sheet. The shares trade on the Moscow Exchange under the ticker CBOM.

What the company does

The core of the business is lending to companies and money market operations. This model has an arithmetic of its own: the tickets are large and the cost of serving a client is low, but the risk is concentrated — the position of a handful of big borrowers moves the result noticeably.

Repo transactions and securities operations play a significant role: the bank is an active player on the money market, where the margin is thinner than in lending but turnover is higher. This makes its balance sheet look less like that of a classic retail bank.

Funding relies on the money of corporate clients and on market borrowing rather than on mass retail deposits. Such money costs more, but it can be raised faster and in larger volumes.

Business lines

  • Corporate lending

    Loans to large businesses, trade finance, settlement services.

  • Money market operations

    Repo transactions, securities operations and liquidity management.

  • Retail business

    Deposits, cards and loans to individuals — a complement to the corporate division.

History

  1. 1992The bank is founded, working mainly with Moscow enterprises.
  2. 2015Share offering on the Moscow Exchange.
  3. 2020-еGrowth in the share of money market operations and a stronger corporate division.

Business review

Strengths and weaknesses describe the business itself. Opportunities and threats describe what may happen around it.

Strengths

  • The status of a systemically important bank and durable relationships with large corporate clients.
  • Experience of working on the money and debt markets.

Weaknesses

  • High concentration of the loan portfolio on a small number of borrowers.
  • A thin interest margin compared with retail banks.
  • Irregular dividends.

Opportunities

  • The departure of foreign banks has opened up the servicing of foreign trade settlements for large businesses.
  • Developing the retail arm diversifies the sources of funding.
  • Fee-based services for corporate clients do not require capital.
  • Lower interest rates make the market funding the bank relies on cheaper.

Threats

  • Concentration of the loan portfolio: a deterioration in the affairs of a few large borrowers hits the result noticeably.
  • Funding is market-based and costs more than the household deposits that retail banks draw on.
  • Money market operations are sensitive to sharp changes in interest rates.
  • Capital adequacy requirements limit the growth of the portfolio.

Frequently asked questions

What does Credit Bank of Moscow do?

The bank lends to large companies, handles their settlements and is an active player on the money market. In parallel it is developing its retail arm: deposits, cards and loans to individuals.

How does a corporate bank differ from a retail one?

In the structure of the balance sheet. A corporate bank has large loans to a few borrowers and expensive market funding; a retail bank has a multitude of small loans and cheap household deposits. The former is more cost-efficient, but more vulnerable to the problems of an individual client.

What are repo transactions?

A repo is a sale of securities with an obligation to buy them back after an agreed period at a price known in advance. In essence it is a short-term loan secured by securities: this is how the bank manages liquidity and earns on the difference in rates.

Information as of 20 August 2026

Business description and risk factors. Not investment advice.

Issuer profile

What the company does

The company is classified under the «Banks» sector, using the taxonomy we apply when comparing securities with one another.

The same sector holds 12 issuers on the platform, and their figures are computed by one method — so this company's revenue, profit and leverage can be compared with them directly.

The company is registered in Russia and identified in regulatory disclosure by tax number 7734202860. That number locates its statements in state registries regardless of how its name is spelled — and the spelling differs even between official documents.

Listed securities

The issuer has 5 securities listed: 1 share class, 4 bond issues. All are shown on this page, including those trading in different modes and different currencies.

A further 1 security have already matured or been delisted. They stay in the list below deliberately: together they show how long the company has been borrowing on the market and how regularly it repays.

Across Moscow Exchange quotation list levels the securities split as follows: 1 at level 1, 4 at level 3. The level reflects how strict the disclosure, turnover and track-record requirements the issue meets are — not how attractive the investment is.

Bond issues

The single issue matures on 5 October 2027. On that date the bond stops trading and the face value is returned to the holder's brokerage account.

The largest issue by face value is RU000A0ZZE87, with a face value of 1,000.00 ₽ per bond. Bond prices are quoted as a percentage of face value, not as an absolute amount per bond.

Dividend history

The issuer has made 1 payout whose record date has already passed. Recommendations and forecasts are not counted here.

The most recent payout was 0.11 ₽ per CBOM security (2019) with a record date of 7 June 2019. That is the amount before tax: the broker withholds it on crediting, so less arrives in the account.

Financial statements

The most recent annual report we hold is for 2025 under IFRS. The standard is named for a reason: IFRS and RAS compute the same quantities by different rules, disagree by design and are never averaged.

Net income for 2025 was 22.60B ₽.

Equity stands at 371.90B ₽ against total assets of 4.87T ₽. The difference between the two is the company's liabilities, and the larger it is relative to equity, the more the business depends on borrowed money.

This section is assembled from our own data on the company's securities, dividends and financial statements. It is a description, not a recommendation.

Securities of this issuer

Shares1

Bonds5