Joint Stock Company Bank CenterCredit (KASE:CCBN)

KASE:CCBN Income Statement

Financials in millions KZT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	834,085	732,749	528,744	282,862	145,778	126,278
Interest Income on Investments	8,679	6,095	3,660	3,029	2,504	1,925
Total Interest Income	842,764	738,844	532,404	285,891	148,282	128,203
Interest Paid on Deposits	439,604	380,462	274,853	150,645	80,980	66,040
Net Interest Income	403,160	358,382	257,551	135,246	67,302	62,163
Net Interest Income Growth (YoY)	30.15%	39.15%	90.43%	100.95%	8.27%	5.40%
Gain (Loss) on Sale of Investments	-5,689	-14,222	-1,477	-1,054	-91	2,152
Other Non-Interest Income	198,841	159,594	71,105	66,575	28,243	39,725
Total Non-Interest Income	193,152	145,372	69,628	65,521	28,152	41,877
Non-Interest Income Growth (YoY)	127.57%	108.78%	6.27%	132.74%	-32.77%	69.69%
Revenues Before Loan Losses	596,312	503,754	327,179	200,767	95,454	104,040
Provision for Loan Losses	66,230	56,592	43,075	41,687	27,390	48,227
Revenue	530,082	447,162	284,104	159,080	68,064	55,813
Revenue Growth (YoY)	53.98%	57.39%	78.59%	133.72%	21.95%	32.89%
Salaries and Employee Benefits	99,318	98,817	67,370	46,198	22,482	18,727
Occupancy Expenses	19,658	17,731	15,731	12,451	7,432	6,835
Federal Deposit Insurance	11,416	6,542	3,707	3,261	2,904	2,661
Selling, General & Administrative	37,649	32,647	19,388	14,488	8,068	6,958
Other Non-Interest Expense	41,256	36,625	17,651	15,058	5,703	5,510
Total Non-Interest Expense	209,297	192,362	123,847	91,456	46,589	40,691
EBT Excluding Unusual Items	320,785	254,800	160,257	67,624	21,475	15,122
Asset Writedown	-190	-	-	-	-	-966
Other Unusual Items	-	-	-	84,222	-	-
Pretax Income	320,595	254,800	160,257	151,846	21,475	14,156
Income Tax Expense	57,944	52,381	25,011	6,717	830	1,647
Earnings From Continuing Operations	262,651	202,419	135,246	145,129	20,645	12,509
Minority Interest in Earnings	-548	-393	-185	-	-	-
Net Income	262,103	202,026	135,061	145,129	20,645	12,509
Preferred Dividends & Other Adjustments	304	246	120	13	13	7
Net Income to Common	261,799	201,780	134,941	145,116	20,632	12,502
Net Income Growth	65.62%	49.58%	-6.94%	602.97%	65.04%	530.49%
Basic Shares Outstanding	184	186	185	183	180	168
Diluted Shares Outstanding	184	186	185	183	180	168
Shares Change (YoY)	-1.02%	0.57%	0.77%	2.15%	6.83%	4.11%
EPS (Basic)	1424.94	1085.13	730.46	791.34	114.86	74.39
EPS (Diluted)	1424.94	1085.13	730.46	790.94	114.86	74.39
EPS Growth	67.07%	48.55%	-7.65%	588.61%	54.40%	505.61%
Effective Tax Rate	18.07%	20.56%	15.61%	4.42%	3.86%	11.63%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.