MOEX:RDRB 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	8,275	7,958	6,335	4,265	2,990	1,748
Interest Income on Investments	-	-	-	-	297.14	292.94
Total Interest Income	8,275	7,958	6,335	4,265	3,287	2,041
Interest Paid on Deposits	6,361	6,218	4,479	2,288	1,671	717.88
Interest Paid on Borrowings	-	-	-	-	104.4	96.69
Total Interest Expense	6,361	6,218	4,479	2,288	1,775	814.57
Net Interest Income	1,913	1,740	1,856	1,977	1,512	1,227
Net Interest Income Growth	4.59%	-6.22%	-6.12%	30.75%	23.25%	47.05%
Gain (Loss) on Sale of Investments	-40.33	-83.39	19.29	-79.69	18.78	54.4
Other Non-Interest Income	1,036	928.58	829.47	783.43	572.1	368.83
Total Non-Interest Income	995.74	845.2	848.76	703.74	590.87	423.23
Non-Interest Income Growth	39.77%	-0.42%	20.61%	19.10%	39.61%	-30.01%
Revenues Before Loan Losses	2,909	2,586	2,704	2,681	2,103	1,650
Provision for Loan Losses	95.3	95.49	32.86	522.5	781.91	257.59
Revenue	2,813	2,490	2,672	2,158	1,321	1,392
Revenue Growth	8.43%	-6.80%	23.80%	63.38%	-5.13%	11.84%
Salaries and Employee Benefits	1,217	1,177	1,036	-	-	-
Occupancy Expenses	131.16	144.78	181.56	-	-	-
Federal Deposit Insurance	148.61	129.35	123.71	-	-	-
Amortization of Goodwill & Intangibles	8.94	9.28	8.8	-	-	-
Selling, General & Administrative	242.79	293.22	240.12	-	-	-
Other Non-Interest Expense	204.07	215.15	149.1	1,491	969.03	1,000
Total Non-Interest Expense	2,086	2,150	1,776	1,491	969.03	1,000
EBT Excluding Unusual Items	727.26	340.24	895.68	667.19	351.87	392.3
Asset Writedown	-14.41	-11	-6.91	-7.58	-	-
Pretax Income	712.85	329.24	888.77	659.61	351.87	392.3
Income Tax Expense	151.85	49.78	151.5	128.7	66.76	85.22
Net Income	561	279.46	737.27	530.91	285.11	307.08
Preferred Dividends & Other Adjustments	0.11	0.11	0.11	0.11	-	-
Net Income to Common	560.89	279.35	737.16	530.8	285.11	307.08
Net Income Growth	13.22%	-62.10%	38.88%	86.18%	-7.16%	15.53%
Basic Shares Outstanding	28	26	22	20	21	-
Diluted Shares Outstanding	28	26	22	20	21	-
Shares Change	14.75%	17.84%	11.90%	-7.14%	39.62%	-
EPS (Basic)	20.29	10.78	33.52	27.01	13.47	-
EPS (Diluted)	20.29	10.78	33.52	27.01	13.47	-
EPS Growth	-1.33%	-67.84%	24.11%	100.50%	-23.18%	-

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	-	-	16.400	15.850	11.000	-
Dividend Growth	-	-	3.47%	44.09%	0.73%	-
Effective Tax Rate	21.30%	15.12%	17.05%	19.51%	18.97%	21.72%