Credit Bank of Moscow Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	658,836	743,720	664,579	410,161	289,028	174,451
Interest Income on Investments	11,126	10,721	9,653	10,909	8,901	7,809
Total Interest Income	669,962	754,441	674,232	421,070	297,929	182,260
Interest Paid on Deposits	546,691	644,505	564,040	301,717	235,916	102,671
Net Interest Income	123,271	109,936	110,192	119,353	62,013	79,589
Net Interest Income Growth	32.32%	-0.23%	-7.68%	92.46%	-22.08%	34.33%
Gain (Loss) on Sale of Investments	-7,927	-2,975	-15,781	6,227	-6,412	-5,015
Other Non-Interest Income	200,681	192,660	15,624	15,153	13,762	-4,022
Total Non-Interest Income	189,460	186,697	-205	21,480	7,350	-9,037
Non-Interest Income Growth	3990.24%	-	-	192.25%	-	-
Revenues Before Loan Losses	312,731	296,633	109,987	140,833	69,363	70,552
Provision for Loan Losses	226,915	224,192	41,565	24,123	25,922	8,119
Revenue	85,816	72,441	68,422	116,710	43,441	62,433
Revenue Growth	55.45%	5.87%	-41.37%	168.66%	-30.42%	4.29%
Salaries and Employee Benefits	17,087	21,100	26,480	25,942	21,872	19,562
Occupancy Expenses	3,274	3,163	2,451	2,266	2,182	1,923
Federal Deposit Insurance	4,688	4,706	4,354	3,169	-	-
Selling, General & Administrative	7,286	9,350	10,678	9,820	10,934	7,973
Other Non-Interest Expense	1,588	1,758	1,461	1,517	-	-
Total Non-Interest Expense	33,923	40,077	45,424	42,714	34,988	29,458
EBT Excluding Unusual Items	51,893	32,364	22,998	73,996	8,453	32,975
Asset Writedown	-279	-235	-399	-725	-	-480
Pretax Income	51,614	32,129	22,599	73,271	8,453	32,495
Income Tax Expense	20,305	9,518	1,712	13,493	986	6,296
Net Income	31,309	22,611	20,887	59,778	7,467	26,199
Preferred Dividends & Other Adjustments	3,770	3,630	4,854	3,417	-	-
Net Income to Common	27,539	18,981	16,033	56,361	7,467	26,199
Net Income Growth	462.59%	18.39%	-71.55%	654.80%	-71.50%	-2.15%
Basic Shares Outstanding	33,430	33,430	33,430	33,430	24,890	36,900
Diluted Shares Outstanding	33,430	33,430	33,430	33,430	24,890	36,900
Shares Change	-	-	-	34.31%	-32.55%	23.70%
EPS (Basic)	0.82	0.57	0.48	1.69	0.30	0.71
EPS (Diluted)	0.82	0.57	0.48	1.69	0.30	0.71
EPS Growth	462.60%	18.39%	-71.55%	461.98%	-57.75%	-20.90%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Effective Tax Rate	39.34%	29.62%	7.58%	18.41%	11.66%	19.38%