Kuznetsky Bank Public joint stock company (MOEX:KUZB)

MOEX:KUZB 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,475	1,249	758.61	510.96	423.01	445.81
Interest Income on Investments	74.81	-	-	158.22	110.01	93.12
Total Interest Income	1,550	1,249	758.61	669.18	533.01	538.93
Interest Paid on Deposits	272.99	-	-	336.2	191.09	226.83
Interest Paid on Borrowings	682.5	682.5	312.57	-	-	-
Total Interest Expense	955.49	682.5	312.57	336.2	191.09	226.83
Net Interest Income	594.44	566.15	446.05	332.98	341.92	312.1
Net Interest Income Growth (YoY)	16.84%	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	-7.28	-	-	-0.04	-0.22	1.41
Other Non-Interest Income	172.94	223.33	254.6	268.08	236.56	245.69
Total Non-Interest Income	164.89	222.56	252.6	268.05	236.34	247.1
Non-Interest Income Growth (YoY)	-35.36%	-11.89%	-5.76%	13.41%	-4.35%	-3.43%
Revenues Before Loan Losses	759.33	788.72	698.64	601.02	578.26	559.2
Provision for Loan Losses	-14.08	-3.97	-85.05	-86.4	36.13	94.17
Revenue	773.41	792.68	783.69	687.43	542.14	465.02
Revenue Growth (YoY)	8.07%	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	124.63	97.45	86.81	450.24	19.74	27.16
Total Non-Interest Expense	597.57	570.39	505.21	450.24	431.15	382.44
EBT Excluding Unusual Items	175.84	222.29	278.48	237.18	110.99	82.59
Pretax Income	175.84	222.29	278.48	237.18	110.99	82.59
Income Tax Expense	27.19	53.96	54.36	15.55	34.54	15.86
Net Income	148.65	168.33	224.12	221.64	76.44	66.73
Net Income to Common	148.65	168.33	224.12	221.64	76.44	66.73
Net Income Growth	5.78%	-24.89%	1.12%	189.93%	14.56%	103.43%
Basic Shares Outstanding	-	22,503	22,503	-	22,503	22,503
Diluted Shares Outstanding	-	22,503	22,503	-	22,503	22,503
EPS (Basic)	-	0.01	0.01	-	0.00	0.00
EPS (Diluted)	-	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	15.46%	24.27%	19.52%	6.56%	31.12%	19.20%

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