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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Interest Income on Loans	180,338	146,705	81,240	41,838	44,998	40,848
Interest Income on Investments	5,424	7,483	3,419	1,592	3,495	5,190
Total Interest Income	185,762	154,188	84,659	43,429	48,494	46,039
Interest Paid on Deposits	107,209	81,312	31,713	16,664	23,445	22,893
Net Interest Income	78,553	72,876	52,946	26,765	25,049	23,146
Net Interest Income Growth (YoY)	21.17%	37.64%	97.81%	6.85%	8.22%	12.64%
Income From Trading Activities	1,196	-	-	-313.51	-961.68	-2,263
Gain (Loss) on Sale of Assets	-10	-	-	-555.14	55.29	-1,164
Gain (Loss) on Sale of Investments	-2,188	-2,126	-127	29.04	-180.38	323.17
Other Non-Interest Income	23,798	25,465	29,171	12,534	9,314	13,177
Total Non-Interest Income	22,796	23,339	29,044	11,694	8,227	10,073
Non-Interest Income Growth (YoY)	21.18%	-19.64%	148.37%	42.14%	-18.32%	-13.66%
Revenues Before Loan Losses	101,349	96,215	81,990	38,459	33,276	33,218
Provision for Loan Losses	7,820	5,284	-4,324	8,851	7,655	7,714
Revenue	93,529	90,931	86,314	29,608	25,621	25,505
Revenue Growth (YoY)	16.17%	5.35%	191.52%	15.56%	0.45%	12.65%
Salaries and Employee Benefits	15,328	15,360	13,847	7,576	6,454	5,942
Occupancy Expenses	-	-	-	2,345	2,535	1,960
Federal Deposit Insurance	2,432	2,319	2,114	1,242	1,767	1,250
Selling, General & Administrative	11,172	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	29,236	28,254	25,728	16,447	15,853	14,298
EBT Excluding Unusual Items	64,293	62,677	60,586	13,161	9,767	11,207
Asset Writedown	808	39	629	349.05	-49.54	-
Pretax Income	65,101	62,716	61,215	13,510	9,718	11,207
Income Tax Expense	13,977	11,937	13,900	2,683	1,812	2,160
Earnings From Continuing Operations	51,124	50,779	47,315	10,827	7,906	9,047
Minority Interest in Earnings	-	-	-	-	-	-109.89
Net Income	51,124	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	51,115	50,770	47,306	10,823	7,904	8,935
Net Income Growth	18.16%	7.32%	337.01%	36.95%	-11.54%	20.30%
Basic Shares Outstanding	446	446	448	476	485	497
Diluted Shares Outstanding	446	446	448	476	485	497
Shares Change (YoY)	-0.05%	-0.39%	-5.89%	-2.01%	-2.37%	6.73%
EPS (Basic)	114.72	113.88	105.70	22.76	16.29	17.97
EPS (Diluted)	114.72	113.88	105.70	22.76	16.29	17.97
EPS Growth	18.23%	7.75%	364.44%	39.73%	-9.40%	12.71%
Dividend Per Share	29.720	56.980	42.450	7.890	-	3.710
Dividend Growth	-41.30%	34.23%	438.02%	-	-	129.01%
Effective Tax Rate	21.47%	19.03%	22.71%	19.86%	18.65%	19.28%

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