MOEX:KUZB Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,559	1,249	758.61	510.96	423.01	445.81
Interest Income on Investments	89.55	-	-	158.22	110.01	93.12
Total Interest Income	1,649	1,249	758.61	669.18	533.01	538.93
Interest Paid on Deposits	374.23	-	-	336.2	191.09	226.83
Interest Paid on Borrowings	679.86	682.5	312.57	-	-	-
Total Interest Expense	1,054	682.5	312.57	336.2	191.09	226.83
Net Interest Income	594.89	566.15	446.05	332.98	341.92	312.1
Net Interest Income Growth (YoY)	10.81%	26.93%	33.96%	-2.61%	9.55%	-0.97%
Gain (Loss) on Sale of Assets	-0.77	-0.77	-2	-	-	-
Gain (Loss) on Sale of Investments	-4.15	-	-	-0.04	-0.22	1.41
Other Non-Interest Income	181.13	223.33	254.6	268.08	236.56	245.69
Total Non-Interest Income	176.22	222.56	252.6	268.05	236.34	247.1
Non-Interest Income Growth (YoY)	-29.30%	-11.89%	-5.76%	13.41%	-4.35%	-3.43%
Revenues Before Loan Losses	771.1	788.72	698.64	601.02	578.26	559.2
Provision for Loan Losses	-9.45	-3.97	-85.05	-86.4	36.13	94.17
Revenue	780.55	792.68	783.69	687.43	542.14	465.02
Revenue Growth (YoY)	3.92%	1.15%	14.00%	26.80%	16.58%	2.17%
Salaries and Employee Benefits	319.28	319.28	278.93	-	209.23	185.55
Occupancy Expenses	101.12	101.12	98.95	-	67.19	38.68
Federal Deposit Insurance	-	-	-	-	21.49	14.21
Selling, General & Administrative	52.55	52.55	40.52	-	107.91	110.95
Other Non-Interest Expense	146.19	97.45	86.81	450.24	19.74	27.16
Total Non-Interest Expense	619.13	570.39	505.21	450.24	431.15	382.44
EBT Excluding Unusual Items	161.42	222.29	278.48	237.18	110.99	82.59
Pretax Income	161.42	222.29	278.48	237.18	110.99	82.59
Income Tax Expense	48.91	53.96	54.36	15.55	34.54	15.86
Net Income	112.51	168.33	224.12	221.64	76.44	66.73
Net Income to Common	112.51	168.33	224.12	221.64	76.44	66.73
Net Income Growth	-30.34%	-24.89%	1.12%	189.93%	14.56%	103.43%
Basic Shares Outstanding	22,503	22,503	22,503	-	22,503	22,503
Diluted Shares Outstanding	22,503	22,503	22,503	-	22,503	22,503
EPS (Basic)	0.00	0.01	0.01	-	0.00	0.00
EPS (Diluted)	0.00	0.01	0.01	-	0.00	0.00
EPS Growth	-	-24.89%	-	-	14.54%	103.50%
Dividend Per Share	-	-	0.004	0.003	-	0.001
Dividend Growth	-	-	43.36%	-	-	119.79%
Effective Tax Rate	30.30%	24.27%	19.52%	6.56%	31.12%	19.20%

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