ROSBANK Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	2017 - 2013
Period Ending	Dec '22 Dec 31, 2022	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	2017 - 2013
Interest Income on Loans	117,683	117,683	85,287	86,284	91,366	83,882	Upgrade
Interest Income on Investments	4,100	4,100	2,981	1,091	894	705	Upgrade
Total Interest Income	121,783	121,783	88,268	87,375	92,260	84,587	Upgrade
Interest Paid on Deposits	65,428	65,428	38,805	37,821	45,306	42,073	Upgrade
Interest Paid on Borrowings	492	492	420	-	-	-	Upgrade
Total Interest Expense	65,920	65,920	39,225	37,821	45,306	42,073	Upgrade
Net Interest Income	55,863	55,863	49,043	49,554	46,954	42,514	Upgrade
Net Interest Income Growth (YoY)	13.30%	13.91%	-1.03%	5.54%	10.44%	9.06%	Upgrade
Gain (Loss) on Sale of Investments	-	-	-22	1,417	-1,074	-631	Upgrade
Other Non-Interest Income	5,908	5,908	17,256	17,808	14,515	15,592	Upgrade
Total Non-Interest Income	5,908	5,908	17,234	19,225	13,441	14,961	Upgrade
Non-Interest Income Growth (YoY)	-59.77%	-65.72%	-10.36%	43.03%	-10.16%	4.75%	Upgrade
Revenues Before Loan Losses	61,771	61,771	66,277	68,779	60,395	57,475	Upgrade
Provision for Loan Losses	10,765	10,765	5,197	14,394	7,639	5,187	Upgrade
Revenue	51,006	51,006	61,080	54,385	52,756	52,288	Upgrade
Revenue Growth (YoY)	0.60%	-16.49%	12.31%	3.09%	0.90%	4.97%	Upgrade
Salaries and Employee Benefits	-	-	-	14,860	17,720	17,200	Upgrade
Occupancy Expenses	-	-	-	8,856	7,474	7,032	Upgrade
Federal Deposit Insurance	1,931	1,931	1,591	1,463	2,048	1,581	Upgrade
Selling, General & Administrative	-	-	-	4,499	4,892	4,289	Upgrade
Other Non-Interest Expense	43,636	43,636	35,895	6,174	6,957	6,870	Upgrade
Total Non-Interest Expense	45,630	45,630	37,359	36,117	39,127	37,116	Upgrade
EBT Excluding Unusual Items	5,376	5,376	23,721	18,268	13,629	15,172	Upgrade
Other Unusual Items	-	-	-	41	78	58	Upgrade
Pretax Income	5,376	5,376	23,721	18,309	13,707	15,230	Upgrade
Income Tax Expense	519	519	4,092	2,780	2,760	3,427	Upgrade
Earnings From Continuing Operations	4,857	4,857	19,629	15,529	10,947	11,803	Upgrade
Net Income	4,857	4,857	19,629	15,529	10,947	11,803	Upgrade
Net Income to Common	4,857	4,857	19,629	15,529	10,947	11,803	Upgrade
Net Income Growth	-61.94%	-75.26%	26.40%	41.86%	-7.25%	13.53%	Upgrade
Basic Shares Outstanding	1,518	1,518	1,552	1,551	1,551	1,551	Upgrade
Diluted Shares Outstanding	1,518	1,518	1,552	1,551	1,551	1,551	Upgrade
Shares Change (YoY)	-2.16%	-2.18%	0.03%	0.01%	-0.01%	-	Upgrade
EPS (Basic)	3.20	3.20	12.65	10.01	7.06	7.61	Upgrade
EPS (Diluted)	3.20	3.20	12.65	10.01	7.06	7.61	Upgrade
EPS Growth	-61.09%	-74.70%	26.37%	41.85%	-7.24%	13.53%	Upgrade
Dividend Per Share	2.900	2.900	-	-	-	-	Upgrade
Effective Tax Rate	9.65%	9.65%	17.25%	15.18%	20.14%	22.50%	Upgrade

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