Joint Stock Company Bank CenterCredit (KASE: CCBN)

CCBN Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	678,700	528,744	282,862	145,778	126,278	119,509
Interest Income on Investments	7,777	3,660	3,029	2,504	1,925	1,472
Total Interest Income	686,477	532,404	285,891	148,282	128,203	120,981
Interest Paid on Deposits	345,030	274,853	150,645	80,980	66,040	62,004
Net Interest Income	341,447	257,551	135,246	67,302	62,163	58,977
Net Interest Income Growth (YoY)	54.81%	90.43%	100.95%	8.27%	5.40%	28.64%
Gain (Loss) on Sale of Investments	-2,496	-1,477	-1,054	-91	2,152	-234
Other Non-Interest Income	111,396	71,105	66,575	28,243	39,725	24,913
Total Non-Interest Income	108,900	69,628	65,521	28,152	41,877	24,679
Non-Interest Income Growth (YoY)	44.58%	6.27%	132.74%	-32.77%	69.69%	-11.10%
Revenues Before Loan Losses	450,347	327,179	200,767	95,454	104,040	83,656
Provision for Loan Losses	64,260	43,075	41,687	27,390	48,227	41,657
Revenue	386,087	284,104	159,080	68,064	55,813	41,999
Revenue Growth (YoY)	52.40%	78.59%	133.72%	21.95%	32.89%	-1.86%
Salaries and Employee Benefits	93,790	67,370	46,198	22,482	18,727	18,142
Occupancy Expenses	17,047	15,731	12,451	7,432	6,835	6,430
Federal Deposit Insurance	6,464	3,707	3,261	2,904	2,661	1,982
Selling, General & Administrative	25,042	19,388	14,488	8,068	6,958	7,139
Other Non-Interest Expense	20,502	17,651	15,058	5,703	5,510	5,053
Total Non-Interest Expense	162,845	123,847	91,456	46,589	40,691	38,746
EBT Excluding Unusual Items	223,242	160,257	67,624	21,475	15,122	3,253
Asset Writedown	679	-	-	-	-966	-880
Other Unusual Items	-	-	84,222	-	-	-
Pretax Income	223,921	160,257	151,846	21,475	14,156	2,373
Income Tax Expense	48,030	25,011	6,717	830	1,647	389
Earnings From Continuing Operations	175,891	135,246	145,129	20,645	12,509	1,984
Minority Interest in Earnings	-247	-185	-	-	-	-
Net Income	175,644	135,061	145,129	20,645	12,509	1,984
Preferred Dividends & Other Adjustments	191	120	13	13	7	2
Net Income to Common	175,453	134,941	145,116	20,632	12,502	1,982
Net Income Growth	39.74%	-6.94%	602.97%	65.04%	530.49%	-78.24%
Basic Shares Outstanding	186	185	183	180	168	161
Diluted Shares Outstanding	186	185	183	180	168	162
Shares Change (YoY)	0.69%	0.77%	2.15%	6.82%	4.11%	-4.20%
EPS (Basic)	944.51	730.46	791.34	114.86	74.39	12.29
EPS (Diluted)	944.32	730.46	790.94	114.86	74.39	12.28
EPS Growth	38.83%	-7.65%	588.61%	54.40%	505.61%	-77.28%
Effective Tax Rate	21.45%	15.61%	4.42%	3.86%	11.63%	16.39%

Source: S&P Capital IQ. Banks template. Financial Sources.