ROSBANK (MOEX: ROSB)

ROSBANK Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	222,619	155,571	117,053	85,287	86,284	91,366
Interest Income on Investments	8,140	5,741	4,100	2,981	1,091	894
Total Interest Income	230,759	161,312	121,153	88,268	87,375	92,260
Interest Paid on Deposits	163,310	96,334	65,428	38,805	37,821	45,306
Interest Paid on Borrowings	575	560	492	420	-	-
Total Interest Expense	163,885	96,894	65,920	39,225	37,821	45,306
Net Interest Income	66,874	64,418	55,233	49,043	49,554	46,954
Net Interest Income Growth (YoY)	36.36%	16.63%	12.62%	-1.03%	5.54%	10.44%
Gain (Loss) on Sale of Investments	16	-	-	-22	1,417	-1,074
Other Non-Interest Income	24,104	31,410	6,538	17,256	17,808	14,515
Total Non-Interest Income	24,120	31,410	6,538	17,234	19,225	13,441
Non-Interest Income Growth (YoY)	39.96%	380.42%	-62.06%	-10.36%	43.03%	-10.16%
Revenues Before Loan Losses	90,994	95,828	61,771	66,277	68,779	60,395
Provision for Loan Losses	5,483	4,710	10,765	5,197	14,394	7,639
Revenue	85,511	91,118	51,006	61,080	54,385	52,756
Revenue Growth (YoY)	40.00%	78.64%	-16.49%	12.31%	3.09%	0.90%
Salaries and Employee Benefits	33,571	27,665	24,548	-	14,860	17,720
Occupancy Expenses	14,411	14,747	11,747	-	8,856	7,474
Federal Deposit Insurance	3,198	2,437	1,931	1,591	1,463	2,048
Selling, General & Administrative	5,775	6,852	5,639	-	4,499	4,892
Other Non-Interest Expense	4,287	3,608	1,702	35,895	6,174	6,957
Total Non-Interest Expense	61,268	55,372	45,630	37,359	36,117	39,127
EBT Excluding Unusual Items	24,243	35,746	5,376	23,721	18,268	13,629
Other Unusual Items	-	-	-	-	41	78
Pretax Income	24,243	35,746	5,376	23,721	18,309	13,707
Income Tax Expense	4,450	6,933	519	4,092	2,780	2,760
Net Income	19,793	28,813	4,857	19,629	15,529	10,947
Net Income to Common	19,793	28,813	4,857	19,629	15,529	10,947
Net Income Growth	0.84%	493.23%	-75.26%	26.40%	41.86%	-7.25%
Basic Shares Outstanding	1,919	1,712	2,570	1,552	1,551	1,551
Diluted Shares Outstanding	1,919	1,712	2,570	1,552	1,551	1,551
Shares Change (YoY)	23.64%	-33.38%	65.61%	0.03%	0.01%	-0.01%
EPS (Basic)	10.32	16.83	1.89	12.65	10.01	7.06
EPS (Diluted)	10.32	16.83	1.89	12.65	10.01	7.06
EPS Growth	-18.44%	790.48%	-85.06%	26.37%	41.85%	-7.24%
Dividend Per Share	2.900	2.900	-	-	-	-
Effective Tax Rate	18.36%	19.40%	9.65%	17.25%	15.18%	20.14%

Source: S&P Capital IQ. Banks template. Financial Sources.