On March 21, 2025, the Analytical credit Rating Agency upgraded T-Bank's credit rating to AA(RU), changing the outlook to stable, and its subordinated bond issues to BBB—(RU). This is stated in the agency's message.
The increase in T-Bank's credit rating is due to an improved assessment of the business profile due to an increase in the scale of operations, the amount of capital and the diversification of the bank's operating income as a result of the acquisition of PJSC Rosbank as a branch. The assessment of one's own creditworthiness also takes into account a strong level of capital adequacy, a satisfactory risk profile, and an adequate funding and liquidity position.
The rating is further supported by the moderate systemic importance of T-Bank in the Russian financial market. The assessment of the bank's importance for the stability of the financial system of the Russian Federation takes into account a significant increase in its share in the total amount of funds raised from individuals and an increase in its share in the assets of the banking system.
JSC T-Bank (formerly JSC Tinkoff Bank) is a systemically important credit institution, one of the ten largest Russian banks in terms of assets and capital. The bank's traditional line of business is consumer lending to individuals, mainly through credit cards, as well as providing a wide range of financial services based on its own online platform. After Rosbank joined, the bank's main business lines were added: car loans, mortgage loans, loans and cash services for large corporate clients and medium-sized companies, as well as a line of work with wealthy private clients.
