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	8,374	7,958	6,335	4,265	2,990	1,748
Interest Income on Investments	-99.81	-	-	-	297.14	292.94
Total Interest Income	8,275	7,958	6,335	4,265	3,287	2,041
Interest Paid on Deposits	6,356	6,218	4,479	2,288	1,671	717.88
Interest Paid on Borrowings	5.7	-	-	-	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	-214.48	-83.39	19.29	-79.69	18.78	54.4
Other Non-Interest Income	944.15	928.58	829.47	783.43	572.1	368.83
Total Non-Interest Income	729.67	845.2	848.76	703.74	590.87	423.23
Non-Interest Income Growth	-25.12%	-0.42%	20.61%	19.10%	39.61%	-30.01%
Revenues Before Loan Losses	2,643	2,586	2,704	2,681	2,103	1,650
Provision for Loan Losses	43.16	95.49	32.86	522.5	781.91	257.59
Revenue	2,600	2,490	2,672	2,158	1,321	1,392
Revenue Growth	-7.32%	-6.80%	23.80%	63.38%	-5.13%	11.84%
Salaries and Employee Benefits	1,177	1,177	1,036	-	-	-
Occupancy Expenses	144.78	144.78	181.56	-	-	-
Federal Deposit Insurance	129.35	129.35	123.71	-	-	-
Amortization of Goodwill & Intangibles	9.28	9.28	8.8	-	-	-
Selling, General & Administrative	293.22	293.22	240.12	-	-	-
Other Non-Interest Expense	-54.93	215.15	149.1	1,491	969.03	1,000
Total Non-Interest Expense	1,880	2,150	1,776	1,491	969.03	1,000
EBT Excluding Unusual Items	719.78	340.24	895.68	667.19	351.87	392.3
Asset Writedown	-11	-11	-6.91	-7.58	-	-
Pretax Income	708.78	329.24	888.77	659.61	351.87	392.3
Income Tax Expense	130.16	49.78	151.5	128.7	66.76	85.22
Net Income	578.62	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	578.51	279.35	737.16	530.8	285.11	307.08
Net Income Growth	18.96%	-62.10%	38.88%	86.18%	-7.16%	15.53%
Basic Shares Outstanding	-	26	22	20	21	-
Diluted Shares Outstanding	-	26	22	20	21	-
Shares Change	-	17.84%	11.90%	-7.14%	39.62%	-
EPS (Basic)	-	10.78	33.52	27.01	13.47	-
EPS (Diluted)	-	10.78	33.52	27.01	13.47	-
EPS Growth	-	-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	18.36%	15.12%	17.05%	19.51%	18.97%	21.72%