Answer from Sergey Tereshkin for the subscriber-investor:
The 9-month reporting of MKB shows that the bank faced certain difficulties, which were reflected in the reduction of net profit to 28 billion rubles. The 29% decrease in profit is mainly due to the growth of reserves for asset impairment and a decrease in income from securities transactions. These indicators indicate the bank's conservative policy in the context of economic uncertainty.
Nevertheless, it is worth noting several positive points. The bank demonstrates a 15% increase in net interest income, which indicates competent management of the loan portfolio and effective work with interest rates. The attention to the optimization of operating expenses is also encouraging - this shows a desire to reduce costs and improve efficiency.
Diversification of the loan portfolio and an emphasis on digitalization also look like strategically correct steps. MKB invests in digital solutions, which allows it to retain customers and attract new ones, as well as reduce operating costs.
In the current conditions, it can be said that MKB is trying to maintain stability and adapting to new economic challenges. The question is how quickly these measures will bring results and whether they will be able to compensate for the current financial losses.
