Credit Bank of Moscow (MOEX: CBOM)

Credit Bank of Moscow Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	544,768	410,161	289,028	174,451	149,302	142,484
Interest Income on Investments	10,752	10,909	8,901	7,809	7,112	4,868
Total Interest Income	555,520	421,070	297,929	182,260	156,414	147,352
Interest Paid on Deposits	427,571	301,717	235,916	102,671	97,166	102,069
Net Interest Income	127,949	119,353	62,013	79,589	59,248	45,283
Net Interest Income Growth (YoY)	60.76%	92.46%	-22.08%	34.33%	30.84%	-6.47%
Gain (Loss) on Sale of Investments	-16,792	6,327	-6,412	-5,015	7,310	226
Other Non-Interest Income	17,569	15,153	13,762	-4,022	12,213	-1,940
Total Non-Interest Income	777	21,480	7,350	-9,037	19,523	-1,714
Non-Interest Income Growth (YoY)	-	192.24%	-	-	-	-
Revenues Before Loan Losses	128,726	140,833	69,363	70,552	78,771	43,569
Provision for Loan Losses	26,434	24,123	25,922	8,119	18,908	6,821
Revenue	102,292	116,710	43,441	62,433	59,863	36,748
Revenue Growth (YoY)	63.84%	168.66%	-30.42%	4.29%	62.90%	-38.03%
Salaries and Employee Benefits	25,663	25,942	21,872	19,562	13,877	14,167
Occupancy Expenses	2,283	2,266	2,182	1,923	1,898	1,903
Federal Deposit Insurance	3,725	3,169	-	-	-	-
Selling, General & Administrative	11,908	12,062	10,934	7,973	4,799	4,038
Other Non-Interest Expense	-	-	-	-	937	864
Total Non-Interest Expense	43,579	43,439	34,988	29,458	21,511	20,972
EBT Excluding Unusual Items	58,713	73,271	8,453	32,975	38,352	15,776
Asset Writedown	-	-	-	-480	-549	-663
Other Unusual Items	-	-	-	-	-277	-
Pretax Income	58,713	73,271	8,453	32,495	37,526	15,113
Income Tax Expense	9,871	13,493	986	6,296	7,517	3,156
Net Income	48,842	59,778	7,467	26,199	30,009	11,957
Preferred Dividends & Other Adjustments	-	-	-	-	3,233	3,098
Net Income to Common	48,842	59,778	7,467	26,199	26,776	8,859
Net Income Growth	86.43%	700.56%	-71.50%	-12.70%	150.97%	-56.08%
Basic Shares Outstanding	38,572	35,372	24,890	36,900	29,830	27,487
Diluted Shares Outstanding	38,572	35,372	24,890	36,900	29,830	27,487
Shares Change (YoY)	4.53%	42.11%	-32.55%	23.70%	8.52%	-10.14%
EPS (Basic)	1.27	1.69	0.30	0.71	0.90	0.32
EPS (Diluted)	1.27	1.69	0.30	0.71	0.90	0.32
EPS Growth	78.34%	463.33%	-57.75%	-20.90%	178.51%	-63.79%
Effective Tax Rate	16.81%	18.42%	11.66%	19.38%	20.03%	20.88%

Source: S&P Capital IQ. Banks template. Financial Sources.