AVANGARD Joint Stock BANK Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018
Interest Income on Loans	13,151	14,783	9,909	5,757	7,387	7,493
Interest Income on Investments	829.07	-	-	315.98	322.91	210.97
Total Interest Income	13,980	14,783	9,909	6,073	7,710	7,704
Interest Paid on Deposits	5,941	6,337	3,727	1,369	1,855	1,817
Net Interest Income	8,077	8,446	6,182	4,704	5,855	5,887
Net Interest Income Growth (YoY)	30.64%	36.62%	31.44%	-19.67%	-0.55%	-9.60%
Gain (Loss) on Sale of Investments	7,310	-2,396	-283.45	-	-	-
Other Non-Interest Income	-4,277	5,662	6,163	8,159	13,832	9,898
Total Non-Interest Income	3,033	3,265	5,880	8,159	13,832	9,898
Non-Interest Income Growth (YoY)	-48.42%	-44.47%	-27.93%	-41.01%	39.75%	16.26%
Revenues Before Loan Losses	11,110	11,712	12,062	12,863	19,687	15,785
Provision for Loan Losses	-448.85	-123.84	9,724	1,704	3,411	2,958
Revenue	11,559	11,835	2,339	11,158	16,276	12,827
Revenue Growth (YoY)	394.22%	406.05%	-79.04%	-31.44%	26.89%	-5.89%
Salaries and Employee Benefits	5,292	5,292	4,570	3,719	3,514	3,066
Occupancy Expenses	1,145	1,145	1,075	957.61	1,046	778.66
Federal Deposit Insurance	374.75	374.75	366.46	288.98	424.91	264.93
Selling, General & Administrative	1,714	1,714	1,655	1,356	1,473	1,522
Other Non-Interest Expense	-2,515	-2,274	-5,714	1,345	1,314	1,153
Total Non-Interest Expense	6,010	6,251	1,953	7,666	7,771	6,785
EBT Excluding Unusual Items	5,549	5,584	385.72	3,492	8,505	6,042
Pretax Income	5,549	5,584	385.72	3,492	8,505	6,042
Income Tax Expense	601.79	544.06	104.59	374.1	1,362	903.77
Earnings From Continuing Operations	4,947	5,040	281.13	3,118	7,143	5,138
Net Income	4,947	5,040	281.13	3,118	7,143	5,138
Net Income to Common	4,947	5,040	281.13	3,118	7,143	5,138
Net Income Growth	1659.59%	1692.87%	-90.98%	-56.35%	39.01%	-21.25%
Basic Shares Outstanding	81	81	-	81	81	81
Diluted Shares Outstanding	81	81	-	81	81	81
EPS (Basic)	61.30	62.46	-	38.64	88.51	63.67
EPS (Diluted)	61.30	62.46	-	38.64	88.51	63.67
EPS Growth	-	-	-	-56.35%	39.01%	-21.25%
Dividend Per Share	-	-	-	-	55.760	30.980
Dividend Growth	-	-	-	-	79.99%	399.68%
Effective Tax Rate	10.85%	9.74%	27.12%	10.71%	16.02%	14.96%

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