MOEX:RDRB Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	6,556	5,435	4,265	2,990	1,748
Interest Income on Investments	1,402	899.86	-	297.14	292.94
Total Interest Income	7,958	6,335	4,265	3,287	2,041
Interest Paid on Deposits	6,088	4,349	2,288	1,671	717.88
Interest Paid on Borrowings	129.04	130.21	-	104.4	96.69
Total Interest Expense	6,218	4,479	2,288	1,775	814.57
Net Interest Income	1,740	1,856	1,977	1,512	1,227
Net Interest Income Growth (YoY)	-6.22%	-6.12%	30.75%	23.25%	47.05%
Gain (Loss) on Sale of Investments	248.43	10.23	-79.69	18.78	54.4
Other Non-Interest Income	825.94	674.87	783.43	572.1	368.83
Total Non-Interest Income	1,074	685.1	703.74	590.87	423.23
Non-Interest Income Growth (YoY)	56.82%	-2.65%	19.10%	39.61%	-30.01%
Revenues Before Loan Losses	2,815	2,541	2,681	2,103	1,650
Provision for Loan Losses	156.13	39.79	522.5	781.91	257.59
Revenue	2,659	2,501	2,158	1,321	1,392
Revenue Growth (YoY)	6.30%	15.90%	63.38%	-5.13%	11.84%
Other Non-Interest Expense	2,381	1,598	1,491	969.03	1,000
Total Non-Interest Expense	2,381	1,598	1,491	969.03	1,000
EBT Excluding Unusual Items	277.39	902.71	667.19	351.87	392.3
Asset Writedown	-	-	-7.58	-	-
Pretax Income	277.39	902.71	659.61	351.87	392.3
Income Tax Expense	16.43	177.38	128.7	66.76	85.22
Net Income	260.96	725.33	530.91	285.11	307.08
Preferred Dividends & Other Adjustments	-	-	0.11	-	-
Net Income to Common	260.96	725.33	530.8	285.11	307.08
Net Income Growth	-64.02%	36.62%	86.22%	-7.16%	15.48%
Basic Shares Outstanding	28	22	20	21	-
Diluted Shares Outstanding	28	22	20	21	-
Shares Change (YoY)	25.10%	11.90%	-7.14%	-	-
EPS (Basic)	9.49	32.98	27.01	13.47	-
EPS (Diluted)	9.49	32.98	27.01	13.47	-
EPS Growth	-71.24%	22.12%	100.50%	-	-
Dividend Per Share	-	16.400	15.850	11.000	-
Dividend Growth	-	3.47%	44.09%	-	-
Effective Tax Rate	5.92%	19.65%	19.51%	18.97%	21.72%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.