MOEX:BSPB 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	198,677	146,705	81,240	41,838	44,998
Interest Income on Investments	4,669	7,483	3,419	1,592	3,495
Total Interest Income	203,346	154,188	84,659	43,429	48,494
Interest Paid on Deposits	122,926	81,312	31,713	16,664	23,445
Net Interest Income	80,420	72,876	52,946	26,765	25,049
Net Interest Income Growth (YoY)	10.35%	37.64%	97.81%	6.85%	8.22%
Income From Trading Activities	-	-	-	-313.51	-961.68
Gain (Loss) on Sale of Assets	-	-	-	-555.14	55.29
Gain (Loss) on Sale of Investments	134	-2,126	-127	29.04	-180.38
Other Non-Interest Income	19,113	25,465	29,171	12,534	9,314
Total Non-Interest Income	19,247	23,339	29,044	11,694	8,227
Non-Interest Income Growth (YoY)	-17.53%	-19.64%	148.37%	42.14%	-18.32%
Revenues Before Loan Losses	99,667	96,215	81,990	38,459	33,276
Provision for Loan Losses	15,530	5,284	-4,324	8,851	7,655
Revenue	84,137	90,931	86,314	29,608	25,621
Revenue Growth (YoY)	-7.47%	5.35%	191.52%	15.56%	0.45%
Salaries and Employee Benefits	16,403	15,360	13,847	7,576	6,454
Occupancy Expenses	-	-	-	2,345	2,535
Federal Deposit Insurance	2,662	2,319	2,114	1,242	1,767
Selling, General & Administrative	13,998	10,271	9,451	4,985	4,943
Other Non-Interest Expense	-	304	316	299.03	153.46
Total Non-Interest Expense	33,063	28,254	25,728	16,447	15,853
EBT Excluding Unusual Items	51,074	62,677	60,586	13,161	9,767
Asset Writedown	658	39	629	349.05	-49.54
Pretax Income	51,732	62,716	61,215	13,510	9,718
Income Tax Expense	13,885	11,937	13,900	2,683	1,812
Earnings From Continuing Operations	37,847	50,779	47,315	10,827	7,906
Net Income	37,847	50,779	47,315	10,827	7,906
Preferred Dividends & Other Adjustments	-	9	9	4.42	2.21
Net Income to Common	37,847	50,770	47,306	10,823	7,904
Net Income Growth	-25.47%	7.32%	337.01%	36.95%	-11.54%
Basic Shares Outstanding	445	446	448	476	485
Diluted Shares Outstanding	445	446	448	476	485
Shares Change (YoY)	-0.18%	-0.39%	-5.89%	-2.01%	-2.37%
EPS (Basic)	85.05	113.88	105.70	22.76	16.29
EPS (Diluted)	85.05	113.88	105.70	22.76	16.29
EPS Growth	-25.32%	7.75%	364.44%	39.73%	-9.40%
Dividend Per Share	-	56.980	42.450	7.890	-
Dividend Growth	-	34.23%	438.02%	-	-
Effective Tax Rate	26.84%	19.03%	22.71%	19.86%	18.65%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.