AVANGARD Joint Stock BANK Balance Sheet

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
Cash & Equivalents	-	30,565	48,366	25,644	20,885
Investment Securities	-	28,792	16,737	32,524	15,567
Trading Asset Securities	29,915	15,792	24,367	33,814	34,479
Total Investments	29,915	44,584	41,104	66,338	50,046
Gross Loans	41,585	20,174	48,419	45,289	55,114
Allowance for Loan Losses	-	-2,212	-6,471	-13,346	-17,850
Net Loans	41,585	17,962	41,949	31,943	37,263
Property, Plant & Equipment	5,082	2,587	2,727	3,666	8,228
Other Receivables	-	-	-	123.73	100.15
Restricted Cash	-	425.89	294.88	909.57	819.78
Other Current Assets	12,762	-	-	1,650	598.85
Long-Term Deferred Tax Assets	1,659	996.67	-	-	-
Other Long-Term Assets	2,044	3,070	5,213	2,428	2,112
Total Assets	93,047	100,190	139,653	132,702	120,053
Accounts Payable	-	-	-	758.38	986.25
Accrued Expenses	-	-	-	58.81	58.73
Interest Bearing Deposits	76,070	83,376	116,356	97,728	83,277
Total Deposits	76,070	83,376	116,356	97,728	83,277
Short-Term Borrowings	-	3,547	5,338	1,351	57.25
Current Portion of Long-Term Debt	-	163.13	63.99	4,750	4,207
Current Income Taxes Payable	286.87	-	-	117.38	65.64
Other Current Liabilities	-	-	-	407.46	382.18
Long-Term Debt	1,636	-	18.34	27.16	19.01
Long-Term Leases	-	-	-	114.85	119.64
Long-Term Unearned Revenue	-	-	-	45.03	60.67
Long-Term Deferred Tax Liabilities	1,258	-	163.23	2,002	2,108
Other Long-Term Liabilities	2,459	2,499	2,694	346.45	333.66
Total Liabilities	81,710	89,585	124,634	107,706	91,675
Common Stock	2,421	807	807	1,306	1,306
Additional Paid-In Capital	2,579	6,497	6,497	6,497	6,497
Retained Earnings	5,191	1,208	5,669	15,567	17,881
Comprehensive Income & Other	1,146	2,093	2,047	1,627	2,694
Shareholders' Equity	11,337	10,606	15,020	24,996	28,378
Total Liabilities & Equity	93,047	100,190	139,653	132,702	120,053
Total Debt	1,636	3,710	5,420	6,243	4,403
Net Cash (Debt)	28,279	61,390	84,050	85,739	66,527
Net Cash Growth	-53.94%	-26.96%	-1.97%	28.88%	-5.72%
Net Cash Per Share	-	760.72	-	1062.45	824.38
Filing Date Shares Outstanding	-	80.7	-	80.7	80.7
Total Common Shares Outstanding	-	80.7	-	80.7	80.7
Book Value Per Share	-	131.42	-	309.74	351.64
Tangible Book Value	11,337	10,606	15,020	24,996	28,378
Tangible Book Value Per Share	-	131.42	-	309.74	351.64

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