KASE:CCBN Income Statement

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

Millions KZT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	921,115	732,749	528,744	282,862	145,778
Interest Income on Investments	11,458	6,095	3,660	3,029	2,504
Total Interest Income	932,573	738,844	532,404	285,891	148,282
Interest Paid on Deposits	509,933	380,462	274,853	150,645	80,980
Net Interest Income	422,640	358,382	257,551	135,246	67,302
Net Interest Income Growth (YoY)	17.93%	39.15%	90.43%	100.95%	8.27%
Gain (Loss) on Sale of Investments	8,186	-14,222	-1,477	-1,054	-91
Other Non-Interest Income	200,191	159,594	71,105	66,575	28,243
Total Non-Interest Income	208,377	145,372	69,628	65,521	28,152
Non-Interest Income Growth (YoY)	43.34%	108.78%	6.27%	132.74%	-32.77%
Revenues Before Loan Losses	631,017	503,754	327,179	200,767	95,454
Provision for Loan Losses	86,381	56,592	43,075	41,687	27,390
Revenue	544,636	447,162	284,104	159,080	68,064
Revenue Growth (YoY)	21.80%	57.39%	78.59%	133.72%	21.95%
Salaries and Employee Benefits	104,516	98,817	67,370	46,198	22,482
Occupancy Expenses	22,956	17,731	15,731	12,451	7,432
Federal Deposit Insurance	13,547	6,542	3,707	3,261	2,904
Selling, General & Administrative	33,638	32,647	19,388	14,488	8,068
Other Non-Interest Expense	27,837	27,493	17,651	15,058	5,703
Total Non-Interest Expense	202,494	183,230	123,847	91,456	46,589
EBT Excluding Unusual Items	342,142	263,932	160,257	67,624	21,475
Asset Writedown	-3,086	-9,132	-	-	-
Other Unusual Items	-	-	-	84,222	-
Pretax Income	339,056	254,800	160,257	151,846	21,475
Income Tax Expense	70,731	52,381	25,011	6,717	830
Earnings From Continuing Operations	268,325	202,419	135,246	145,129	20,645
Minority Interest in Earnings	-749	-393	-185	-	-
Net Income	267,576	202,026	135,061	145,129	20,645
Preferred Dividends & Other Adjustments	299	246	120	13	13
Net Income to Common	267,277	201,780	134,941	145,116	20,632
Net Income Growth	32.45%	49.58%	-6.94%	602.97%	65.04%
Basic Shares Outstanding	178	186	185	183	180
Diluted Shares Outstanding	178	186	185	183	180
Shares Change (YoY)	-4.27%	0.57%	0.77%	2.15%	6.83%
EPS (Basic)	1501.47	1085.13	730.46	791.34	114.86
EPS (Diluted)	1501.47	1085.13	730.46	790.94	114.86
EPS Growth	38.37%	48.55%	-7.65%	588.61%	54.40%
Effective Tax Rate	20.86%	20.56%	15.61%	4.42%	3.86%

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