AVANGARD Joint Stock BANK Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2020	FY 2019
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest Income on Loans	7,015	14,783	9,909	5,757	7,387
Interest Income on Investments	5,924	-	-	315.98	322.91
Total Interest Income	12,938	14,783	9,909	6,073	7,710
Interest Paid on Deposits	5,419	6,337	3,727	1,369	1,855
Interest Paid on Borrowings	94.47	-	-	-	-
Total Interest Expense	5,513	6,337	3,727	1,369	1,855
Net Interest Income	7,425	8,446	6,182	4,704	5,855
Net Interest Income Growth (YoY)	-12.09%	36.62%	31.44%	-19.67%	-0.55%
Gain (Loss) on Sale of Investments	9,217	-2,396	-283.45	-	-
Other Non-Interest Income	-2,603	5,662	6,163	8,159	13,832
Total Non-Interest Income	6,614	3,265	5,880	8,159	13,832
Non-Interest Income Growth (YoY)	102.54%	-44.47%	-27.93%	-41.01%	39.75%
Revenues Before Loan Losses	14,039	11,712	12,062	12,863	19,687
Provision for Loan Losses	-243.46	-123.84	9,724	1,704	3,411
Revenue	14,282	11,835	2,339	11,158	16,276
Revenue Growth (YoY)	20.67%	406.05%	-79.04%	-31.44%	26.89%
Salaries and Employee Benefits	-	5,292	4,570	3,719	3,514
Occupancy Expenses	-	1,145	1,075	957.61	1,046
Federal Deposit Insurance	-	374.75	366.46	288.98	424.91
Selling, General & Administrative	-	1,714	1,655	1,356	1,473
Other Non-Interest Expense	7,161	-2,274	-5,714	1,345	1,314
Total Non-Interest Expense	7,161	6,251	1,953	7,666	7,771
EBT Excluding Unusual Items	7,121	5,584	385.72	3,492	8,505
Pretax Income	7,121	5,584	385.72	3,492	8,505
Income Tax Expense	1,554	544.06	104.59	374.1	1,362
Net Income	5,567	5,040	281.13	3,118	7,143
Net Income to Common	5,567	5,040	281.13	3,118	7,143
Net Income Growth	10.46%	1692.87%	-90.98%	-56.35%	39.01%
Basic Shares Outstanding	-	81	-	81	81
Diluted Shares Outstanding	-	81	-	81	81
EPS (Basic)	-	62.46	-	38.64	88.51
EPS (Diluted)	-	62.46	-	38.64	88.51
EPS Growth	-	-	-	-56.35%	39.01%
Dividend Per Share	-	-	-	-	55.760
Dividend Growth	-	-	-	-	79.99%
Effective Tax Rate	21.82%	9.74%	27.12%	10.71%	16.02%

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