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 2021	FY 2020	FY 2019
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	1,352	1,249	758.61	423.01	445.81	466.25
Interest Income on Investments	44.3	-	-	110.01	93.12	103.77
Total Interest Income	1,396	1,249	758.61	533.01	538.93	570.02
Interest Paid on Deposits	134.79	-	-	191.09	226.83	254.87
Interest Paid on Borrowings	682.5	682.5	312.57	-	-	-
Total Interest Expense	817.29	682.5	312.57	191.09	226.83	254.87
Net Interest Income	578.57	566.15	446.05	341.92	312.1	315.15
Net Interest Income Growth (YoY)	21.35%	26.93%	30.45%	9.55%	-0.97%	5.77%
Gain (Loss) on Sale of Assets	-0.77	-0.77	-2	-	-	-
Gain (Loss) on Sale of Investments	-6.4	-	-	-0.22	1.41	-0.23
Other Non-Interest Income	176.74	223.33	254.6	236.56	245.69	256.1
Total Non-Interest Income	169.57	222.56	252.6	236.34	247.1	255.87
Non-Interest Income Growth (YoY)	-34.25%	-11.89%	6.88%	-4.35%	-3.43%	-18.93%
Revenues Before Loan Losses	748.15	788.72	698.64	578.26	559.2	571.02
Provision for Loan Losses	13.83	-3.97	-85.05	36.13	94.17	115.85
Revenue	734.32	792.68	783.69	542.14	465.02	455.17
Revenue Growth (YoY)	-2.94%	1.15%	44.56%	16.58%	2.17%	-20.16%
Salaries and Employee Benefits	319.28	319.28	278.93	209.23	185.55	192.32
Occupancy Expenses	101.12	101.12	98.95	67.19	38.68	14.5
Federal Deposit Insurance	-	-	-	21.49	14.21	26.15
Selling, General & Administrative	52.55	52.55	40.52	107.91	110.95	133.84
Other Non-Interest Expense	124.15	97.45	86.81	19.74	27.16	6.44
Total Non-Interest Expense	597.09	570.39	505.21	431.15	382.44	397.26
EBT Excluding Unusual Items	137.22	222.29	278.48	110.99	82.59	57.91
Pretax Income	137.22	222.29	278.48	110.99	82.59	57.91
Income Tax Expense	56.72	53.96	54.36	34.54	15.86	25.11
Net Income	80.51	168.33	224.12	76.44	66.73	32.8
Net Income to Common	80.51	168.33	224.12	76.44	66.73	32.8
Net Income Growth	-56.20%	-24.89%	193.18%	14.56%	103.43%	68.71%
Basic Shares Outstanding	22,503	22,503	22,503	22,503	22,503	22,503
Diluted Shares Outstanding	22,503	22,503	22,503	22,503	22,503	22,503
EPS (Basic)	0.00	0.01	0.01	0.00	0.00	0.00
EPS (Diluted)	0.00	0.01	0.01	0.00	0.00	0.00
EPS Growth	-	-24.89%	193.26%	14.54%	103.50%	68.83%
Dividend Per Share	-	-	0.004	-	0.001	0.001
Dividend Growth	-	-	-	-	119.79%	-20.97%
Effective Tax Rate	41.33%	24.27%	19.52%	31.12%	19.20%	43.36%

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