Credit Bank of Moscow 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 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	743,720	664,579	410,161	289,028	174,451
Interest Income on Investments	10,721	9,653	10,909	8,901	7,809
Total Interest Income	754,441	674,232	421,070	297,929	182,260
Interest Paid on Deposits	644,505	564,040	301,717	235,916	102,671
Net Interest Income	109,936	110,192	119,353	62,013	79,589
Net Interest Income Growth (YoY)	-0.23%	-7.68%	92.46%	-22.08%	34.33%
Gain (Loss) on Sale of Investments	-2,975	-15,781	6,227	-6,412	-5,015
Other Non-Interest Income	192,660	15,624	15,253	13,762	-4,022
Total Non-Interest Income	186,697	-205	21,480	7,350	-9,037
Non-Interest Income Growth (YoY)	-	-	192.25%	-	-
Revenues Before Loan Losses	296,633	109,987	140,833	69,363	70,552
Provision for Loan Losses	224,192	41,565	24,123	25,922	8,119
Revenue	72,441	68,422	116,710	43,441	62,433
Revenue Growth (YoY)	5.87%	-41.37%	168.66%	-30.42%	4.29%
Salaries and Employee Benefits	21,100	26,480	25,942	21,872	19,562
Occupancy Expenses	3,163	2,451	2,266	2,182	1,923
Federal Deposit Insurance	4,706	4,354	3,169	-	-
Selling, General & Administrative	9,350	10,678	9,820	10,934	7,973
Other Non-Interest Expense	1,758	1,461	1,517	-	-
Total Non-Interest Expense	40,077	45,424	42,714	34,988	29,458
EBT Excluding Unusual Items	32,364	22,998	73,996	8,453	32,975
Asset Writedown	-235	-399	-725	-	-480
Pretax Income	32,129	22,599	73,271	8,453	32,495
Income Tax Expense	9,518	1,712	13,493	986	6,296
Net Income	22,611	20,887	59,778	7,467	26,199
Preferred Dividends & Other Adjustments	3,630	4,854	3,417	-	-
Net Income to Common	18,981	16,033	56,361	7,467	26,199
Net Income Growth	8.25%	-65.06%	700.56%	-71.50%	-12.70%
Basic Shares Outstanding	33,430	33,430	33,430	24,890	36,900
Diluted Shares Outstanding	33,430	33,430	33,430	24,890	36,900
Shares Change (YoY)	-	-	34.31%	-32.55%	23.70%
EPS (Basic)	0.57	0.48	1.69	0.30	0.71
EPS (Diluted)	0.57	0.48	1.69	0.30	0.71
EPS Growth	18.39%	-71.55%	461.98%	-57.75%	-20.90%
Effective Tax Rate	29.62%	7.58%	18.41%	11.66%	19.38%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.