Bank Saint-Petersburg Public Joint Stock Company (MOEX:BSPB)

MOEX:BSPB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Interest Income on Loans	196,932	146,705	81,240	41,838	44,998	40,848
Interest Income on Investments	4,955	7,483	3,419	1,592	3,495	5,190
Total Interest Income	201,887	154,188	84,659	43,429	48,494	46,039
Interest Paid on Deposits	120,928	81,312	31,713	16,664	23,445	22,893
Net Interest Income	80,959	72,876	52,946	26,765	25,049	23,146
Net Interest Income Growth (YoY)	16.38%	37.64%	97.81%	6.85%	8.22%	12.64%
Income From Trading Activities	1,216	-	-	-313.51	-961.68	-2,263
Gain (Loss) on Sale of Assets	677	-	-	-555.14	55.29	-1,164
Gain (Loss) on Sale of Investments	-1,779	-2,126	-127	29.04	-180.38	323.17
Other Non-Interest Income	20,542	25,465	29,171	12,534	9,314	13,177
Total Non-Interest Income	20,656	23,339	29,044	11,694	8,227	10,073
Non-Interest Income Growth (YoY)	-0.95%	-19.64%	148.37%	42.14%	-18.32%	-13.66%
Revenues Before Loan Losses	101,615	96,215	81,990	38,459	33,276	33,218
Provision for Loan Losses	11,425	5,284	-4,324	8,851	7,655	7,714
Revenue	90,190	90,931	86,314	29,608	25,621	25,505
Revenue Growth (YoY)	4.23%	5.35%	191.52%	15.56%	0.45%	12.65%
Salaries and Employee Benefits	14,904	15,360	13,847	7,576	6,454	5,942
Occupancy Expenses	-	-	-	2,345	2,535	1,960
Federal Deposit Insurance	2,540	2,319	2,114	1,242	1,767	1,250
Selling, General & Administrative	12,230	10,271	9,451	4,985	4,943	4,898
Other Non-Interest Expense	304	304	316	299.03	153.46	246.91
Total Non-Interest Expense	29,978	28,254	25,728	16,447	15,853	14,298
EBT Excluding Unusual Items	60,212	62,677	60,586	13,161	9,767	11,207
Asset Writedown	39	39	629	349.05	-49.54	-
Pretax Income	60,251	62,716	61,215	13,510	9,718	11,207
Income Tax Expense	13,627	11,937	13,900	2,683	1,812	2,160
Earnings From Continuing Operations	46,624	50,779	47,315	10,827	7,906	9,047
Minority Interest in Earnings	-	-	-	-	-	-109.89
Net Income	46,624	50,779	47,315	10,827	7,906	8,937
Preferred Dividends & Other Adjustments	9	9	9	4.42	2.21	2.21
Net Income to Common	46,615	50,770	47,306	10,823	7,904	8,935
Net Income Growth	-2.88%	7.32%	337.01%	36.95%	-11.54%	20.30%
Basic Shares Outstanding	445	446	448	476	485	497
Diluted Shares Outstanding	445	446	448	476	485	497
Shares Change (YoY)	-0.08%	-0.39%	-5.89%	-2.01%	-2.37%	6.73%
EPS (Basic)	104.64	113.88	105.70	22.76	16.29	17.97
EPS (Diluted)	104.64	113.88	105.70	22.76	16.29	17.97
EPS Growth	-2.79%	7.75%	364.44%	39.73%	-9.40%	12.71%
Dividend Per Share	46.330	56.980	42.450	7.890	-	3.710
Dividend Growth	-8.49%	34.23%	438.02%	-	-	129.01%
Effective Tax Rate	22.62%	19.03%	22.71%	19.86%	18.65%	19.28%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.