MOEX:RDRB 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	Jan '21 Jan 1, 2021
Interest Income on Loans	7,131	6,335	4,265	2,990	1,748	1,302
Interest Income on Investments	486.15	-	-	297.14	292.94	280.27
Total Interest Income	7,617	6,335	4,265	3,287	2,041	1,583
Interest Paid on Deposits	5,912	4,479	2,288	1,671	717.88	685.8
Interest Paid on Borrowings	-10.46	-	-	104.4	96.69	62.73
Total Interest Expense	5,902	4,479	2,288	1,775	814.57	748.53
Net Interest Income	1,715	1,856	1,977	1,512	1,227	834.21
Net Interest Income Growth (YoY)	-13.54%	-6.12%	30.75%	23.25%	47.05%	-12.67%
Gain (Loss) on Sale of Assets	-	-	-	-	-	6.76
Gain (Loss) on Sale of Investments	145.72	19.29	-79.69	18.78	54.4	153.82
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	1.39
Other Non-Interest Income	881.66	829.47	783.43	572.1	368.83	442.77
Total Non-Interest Income	1,027	848.76	703.74	590.87	423.23	604.74
Non-Interest Income Growth (YoY)	30.11%	20.61%	19.10%	39.61%	-30.01%	89.34%
Revenues Before Loan Losses	2,743	2,704	2,681	2,103	1,650	1,439
Provision for Loan Losses	-31.13	32.86	522.5	781.91	257.59	193.98
Revenue	2,774	2,672	2,158	1,321	1,392	1,245
Revenue Growth (YoY)	18.32%	23.80%	63.38%	-5.13%	11.84%	15.82%
Salaries and Employee Benefits	-	-	-	-	-	506.3
Occupancy Expenses	-	-	-	-	-	165.06
Amortization of Goodwill & Intangibles	-	-	-	-	-	4.6
Selling, General & Administrative	-	-	-	-	-	33.22
Other Non-Interest Expense	2,301	1,776	1,491	969.03	1,000	189.31
Total Non-Interest Expense	2,301	1,776	1,491	969.03	1,000	898.49
EBT Excluding Unusual Items	472.53	895.68	667.19	351.87	392.3	346.48
Asset Writedown	-6.91	-6.91	-7.58	-	-	-
Pretax Income	465.62	888.77	659.61	351.87	392.3	346.48
Income Tax Expense	79.97	151.5	128.7	66.76	85.22	80.57
Net Income	385.65	737.27	530.91	285.11	307.08	265.92
Preferred Dividends & Other Adjustments	0.11	0.11	0.11	-	-	0.11
Net Income to Common	385.54	737.16	530.8	285.11	307.08	265.81
Net Income Growth	-25.73%	38.87%	86.22%	-7.16%	15.48%	104.44%
Basic Shares Outstanding	-	22	20	21	-	15
Diluted Shares Outstanding	-	22	20	21	-	15
Shares Change (YoY)	-	11.90%	-7.14%	-	-	42.77%
EPS (Basic)	-	33.52	27.01	13.47	-	17.54
EPS (Diluted)	-	33.52	27.01	13.47	-	17.54
EPS Growth	-	24.11%	100.50%	-	-	43.25%
Dividend Per Share	16.400	16.400	15.850	11.000	-	10.920
Dividend Growth	3.47%	3.47%	44.09%	-	-	62.26%
Effective Tax Rate	17.18%	17.05%	19.51%	18.97%	21.72%	23.25%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.