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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	769,492	664,579	410,161	289,028	174,451	149,302
Interest Income on Investments	10,540	9,653	10,909	8,901	7,809	7,112
Total Interest Income	780,032	674,232	421,070	297,929	182,260	156,414
Interest Paid on Deposits	683,268	564,040	301,717	235,916	102,671	97,166
Net Interest Income	96,764	110,192	119,353	62,013	79,589	59,248
Net Interest Income Growth (YoY)	-20.83%	-7.68%	92.46%	-22.08%	34.33%	30.84%
Gain (Loss) on Sale of Investments	-910	-8,872	6,227	-6,412	-5,015	7,310
Other Non-Interest Income	188,329	8,667	15,253	13,762	-4,022	12,213
Total Non-Interest Income	187,419	-205	21,480	7,350	-9,037	19,523
Non-Interest Income Growth (YoY)	-	-	192.25%	-	-	-
Revenues Before Loan Losses	284,183	109,987	140,833	69,363	70,552	78,771
Provision for Loan Losses	217,436	41,565	24,123	25,922	8,119	18,908
Revenue	66,747	68,422	116,710	43,441	62,433	59,863
Revenue Growth (YoY)	-28.26%	-41.37%	168.66%	-30.42%	4.29%	62.90%
Salaries and Employee Benefits	25,055	26,480	25,942	21,872	19,562	13,877
Occupancy Expenses	2,970	2,451	2,266	2,182	1,923	1,898
Federal Deposit Insurance	4,755	4,354	3,169	-	-	-
Selling, General & Administrative	11,230	10,678	9,820	10,934	7,973	4,799
Other Non-Interest Expense	1,782	1,461	1,517	-	-	937
Total Non-Interest Expense	45,792	45,424	42,714	34,988	29,458	21,511
EBT Excluding Unusual Items	20,955	22,998	73,996	8,453	32,975	38,352
Asset Writedown	-180	-399	-725	-	-480	-549
Other Unusual Items	-	-	-	-	-	-277
Pretax Income	20,775	22,599	73,271	8,453	32,495	37,526
Income Tax Expense	-899	1,712	13,493	986	6,296	7,517
Net Income	21,674	20,887	59,778	7,467	26,199	30,009
Preferred Dividends & Other Adjustments	3,675	4,854	3,417	-	-	3,233
Net Income to Common	17,999	16,033	56,361	7,467	26,199	26,776
Net Income Growth	-45.17%	-65.06%	700.56%	-71.50%	-12.70%	150.97%
Basic Shares Outstanding	33,430	33,430	33,430	24,890	36,900	29,830
Diluted Shares Outstanding	33,430	33,430	33,430	24,890	36,900	29,830
Shares Change (YoY)	3.68%	-	34.31%	-32.55%	23.70%	8.53%
EPS (Basic)	0.54	0.48	1.69	0.30	0.71	0.90
EPS (Diluted)	0.54	0.48	1.69	0.30	0.71	0.90
EPS Growth	-45.75%	-71.55%	461.98%	-57.75%	-20.90%	178.50%
Effective Tax Rate	-	7.58%	18.41%	11.66%	19.38%	20.03%

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