Joint Stock Company Bank CenterCredit (KASE:CCBN)

KASE:CCBN Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	732,749	528,744	282,862	145,778	126,278
Interest Income on Investments	6,095	3,660	3,029	2,504	1,925
Total Interest Income	738,844	532,404	285,891	148,282	128,203
Interest Paid on Deposits	380,462	274,853	150,645	80,980	66,040
Net Interest Income	358,382	257,551	135,246	67,302	62,163
Net Interest Income Growth (YoY)	39.15%	90.43%	100.95%	8.27%	5.40%
Gain (Loss) on Sale of Investments	-14,222	-1,477	-1,054	-91	2,152
Other Non-Interest Income	131,708	71,105	66,575	28,243	39,725
Total Non-Interest Income	145,372	69,628	65,521	28,152	41,877
Non-Interest Income Growth (YoY)	108.78%	6.27%	132.74%	-32.77%	69.69%
Revenues Before Loan Losses	503,754	327,179	200,767	95,454	104,040
Provision for Loan Losses	56,592	43,075	41,687	27,390	48,227
Revenue	447,162	284,104	159,080	68,064	55,813
Revenue Growth (YoY)	57.39%	78.59%	133.72%	21.95%	32.89%
Salaries and Employee Benefits	98,817	67,370	46,198	22,482	18,727
Occupancy Expenses	17,731	15,731	12,451	7,432	6,835
Federal Deposit Insurance	6,542	3,707	3,261	2,904	2,661
Selling, General & Administrative	32,647	19,388	14,488	8,068	6,958
Other Non-Interest Expense	36,625	17,651	15,058	5,703	5,510
Total Non-Interest Expense	192,362	123,847	91,456	46,589	40,691
EBT Excluding Unusual Items	254,800	160,257	67,624	21,475	15,122
Asset Writedown	-	-	-	-	-966
Other Unusual Items	-	-	84,222	-	-
Pretax Income	254,800	160,257	151,846	21,475	14,156
Income Tax Expense	52,381	25,011	6,717	830	1,647
Earnings From Continuing Operations	202,419	135,246	145,129	20,645	12,509
Minority Interest in Earnings	-393	-185	-	-	-
Net Income	202,026	135,061	145,129	20,645	12,509
Preferred Dividends & Other Adjustments	246	120	13	13	7
Net Income to Common	201,780	134,941	145,116	20,632	12,502
Net Income Growth	49.58%	-6.94%	602.97%	65.04%	530.49%
Basic Shares Outstanding	186	185	183	180	168
Diluted Shares Outstanding	186	185	183	180	168
Shares Change (YoY)	0.57%	0.77%	2.15%	6.83%	4.11%
EPS (Basic)	1085.13	730.46	791.34	114.86	74.39
EPS (Diluted)	1085.13	730.46	790.94	114.86	74.39
EPS Growth	48.55%	-7.65%	588.61%	54.40%	505.61%
Effective Tax Rate	20.56%	15.61%	4.42%	3.86%	11.63%

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