AVANGARD Joint Stock BANK Balance Sheet

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
Cash & Equivalents	-	30,565	48,366	25,644	20,885	29,350
Investment Securities	10,473	28,792	16,737	32,524	15,567	12,584
Trading Asset Securities	15,836	15,792	24,367	33,814	34,479	32,879
Total Investments	26,309	44,584	41,104	66,338	50,046	45,463
Gross Loans	47,313	20,174	48,419	45,289	55,114	51,647
Allowance for Loan Losses	-	-2,212	-6,471	-13,346	-17,850	-15,640
Net Loans	47,313	17,962	41,949	31,943	37,263	36,007
Property, Plant & Equipment	3,869	2,587	2,727	3,666	8,228	5,749
Other Receivables	-	-	-	123.73	100.15	77.5
Restricted Cash	307.54	425.89	294.88	909.57	819.78	815.54
Other Current Assets	12,288	-	-	1,650	598.85	5,234
Long-Term Deferred Tax Assets	1,895	996.67	-	-	-	-
Other Long-Term Assets	2,617	3,070	5,213	2,428	2,112	1,650
Total Assets	94,598	100,190	139,653	132,702	120,053	124,346
Accounts Payable	-	-	-	758.38	986.25	888.26
Accrued Expenses	-	-	-	58.81	58.73	51.02
Interest Bearing Deposits	78,896	83,376	116,356	97,728	83,277	92,246
Total Deposits	78,896	83,376	116,356	97,728	83,277	92,246
Short-Term Borrowings	-	3,547	5,338	1,351	57.25	2,566
Current Portion of Long-Term Debt	-	163.13	63.99	4,750	4,207	1,514
Current Income Taxes Payable	117.27	-	-	117.38	65.64	24.98
Other Current Liabilities	-	-	-	407.46	382.18	347.02
Long-Term Debt	142.78	-	18.34	27.16	19.01	171.99
Long-Term Leases	-	-	-	114.85	119.64	-
Long-Term Unearned Revenue	-	-	-	45.03	60.67	-
Long-Term Deferred Tax Liabilities	900.69	-	163.23	2,002	2,108	1,614
Other Long-Term Liabilities	2,378	2,499	2,694	346.45	333.66	-
Total Liabilities	82,435	89,585	124,634	107,706	91,675	99,513
Common Stock	2,421	807	807	1,306	1,306	1,306
Additional Paid-In Capital	2,579	6,497	6,497	6,497	6,497	6,497
Retained Earnings	6,236	1,208	5,669	15,567	17,881	14,591
Comprehensive Income & Other	926.75	2,093	2,047	1,627	2,694	2,439
Total Common Equity	12,163	10,606	15,020	24,996	28,378	24,833
Shareholders' Equity	12,163	10,606	15,020	24,996	28,378	24,833
Total Liabilities & Equity	94,598	100,190	139,653	132,702	120,053	124,346
Total Debt	142.78	3,710	5,420	6,243	4,403	4,252
Net Cash (Debt)	15,693	61,390	84,050	85,739	66,527	70,561
Net Cash Growth	-81.33%	-26.96%	-1.97%	28.88%	-5.72%	-0.40%
Net Cash Per Share	194.46	760.72	-	1062.45	824.38	874.36
Filing Date Shares Outstanding	80.7	80.7	-	80.7	80.7	80.7
Total Common Shares Outstanding	80.7	80.7	-	80.7	80.7	80.7
Book Value Per Share	150.72	131.42	-	309.74	351.64	307.72
Tangible Book Value	12,163	10,606	15,020	24,996	28,378	24,833
Tangible Book Value Per Share	150.72	131.42	-	309.74	351.64	307.72

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