MOEX:KUZB 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	1,586	1,667	1,249	758.61	510.96	423.01
Interest Income on Investments	-	-	-	-	158.22	110.01
Total Interest Income	1,586	1,667	1,249	758.61	669.18	533.01
Interest Paid on Deposits	-	-	-	-	336.2	191.09
Interest Paid on Borrowings	966.77	1,077	682.5	312.57	-	-
Total Interest Expense	966.77	1,077	682.5	312.57	336.2	191.09
Net Interest Income	619.04	589.92	566.15	446.05	332.98	341.92
Net Interest Income Growth	4.14%	4.20%	26.93%	33.96%	-2.61%	9.55%
Gain (Loss) on Sale of Assets	-0.51	-0.51	-0.77	-2	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	-0.04	-0.22
Other Non-Interest Income	185.3	196.48	223.33	254.6	268.08	236.56
Total Non-Interest Income	184.79	195.97	222.56	252.6	268.05	236.34
Non-Interest Income Growth	-9.39%	-11.95%	-11.89%	-5.76%	13.41%	-4.35%
Revenues Before Loan Losses	803.82	785.89	788.72	698.64	601.02	578.26
Provision for Loan Losses	74.97	21.3	-3.97	-85.05	-86.4	36.13
Revenue	728.86	764.59	792.68	783.69	687.43	542.14
Revenue Growth	-5.48%	-3.55%	1.15%	14.00%	26.80%	16.58%
Salaries and Employee Benefits	346.95	346.95	319.28	278.93	-	209.23
Occupancy Expenses	95.81	95.81	101.12	98.95	-	67.19
Federal Deposit Insurance	-	-	-	-	-	21.49
Selling, General & Administrative	77.89	77.89	52.55	40.52	-	107.91
Other Non-Interest Expense	114.77	112.71	97.45	86.81	450.24	19.74
Total Non-Interest Expense	635.41	633.35	570.39	505.21	450.24	431.15
EBT Excluding Unusual Items	93.44	131.23	222.29	278.48	237.18	110.99
Pretax Income	93.44	131.23	222.29	278.48	237.18	110.99
Income Tax Expense	20.91	38.41	53.96	54.36	15.55	34.54
Net Income	72.53	92.82	168.33	224.12	221.64	76.44
Net Income to Common	72.53	92.82	168.33	224.12	221.64	76.44
Net Income Growth	-41.24%	-44.86%	-24.89%	1.12%	189.93%	14.56%
Basic Shares Outstanding	-	22,503	22,503	22,503	-	22,503
Diluted Shares Outstanding	-	22,503	22,503	22,503	-	22,503
Shares Change	-	-	-	-	-	-
EPS (Basic)	-	0.00	0.01	0.01	-	0.00
EPS (Diluted)	-	0.00	0.01	0.01	-	0.00
EPS Growth	-	-44.87%	-24.89%	-	-	14.54%

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
Dividend Per Share	-	-	-	0.004	0.003	-
Dividend Growth	-	-	-	43.36%	81.86%	-
Effective Tax Rate	22.38%	29.27%	24.27%	19.52%	6.56%	31.12%