BANK URALSIB Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest Income on Loans	133,653	97,382	58,945	47,516	33,174	38,886
Interest Income on Investments	4,881	6,452	5,814	3,757	5,648	3,721
Total Interest Income	138,534	103,835	64,760	51,273	38,823	42,608
Interest Paid on Deposits	94,519	66,303	31,430	27,744	16,020	19,682
Total Interest Expense	94,519	66,303	31,430	27,744	16,020	19,682
Net Interest Income	44,015	37,531	33,330	23,529	22,803	22,926
Net Interest Income Growth (YoY)	20.01%	12.61%	41.65%	3.19%	-0.54%	-2.31%
Gain (Loss) on Sale of Assets	-81.3	42.42	74.87	205.2	-282.62	27.54
Gain (Loss) on Sale of Investments	-1,434	-1,545	4,061	3,569	528.85	12,290
Gain (Loss) on Sale of Equity Investments	-	0.58	-3.46	-	-	-
Other Non-Interest Income	12,372	11,194	10,811	12,959	6,048	9,874
Total Non-Interest Income	10,857	9,693	14,944	16,734	6,294	22,191
Non-Interest Income Growth (YoY)	-14.45%	-35.14%	-10.70%	165.85%	-71.64%	145.94%
Revenues Before Loan Losses	54,872	47,224	48,273	40,263	29,097	45,117
Provision for Loan Losses	13,963	10,280	2,882	5,356	4,158	4,693
Revenue	40,909	36,944	45,392	34,907	24,939	40,424
Revenue Growth (YoY)	-2.78%	-18.61%	30.04%	39.97%	-38.31%	43.90%
Selling, General & Administrative	34,857	31,779	30,405	27,219	22,623	22,100
Other Non-Interest Expense	4,908	4,796	7,507	3,652	1,454	2,006
Total Non-Interest Expense	39,765	36,575	37,912	30,871	24,076	24,106
EBT Excluding Unusual Items	1,144	369.32	7,480	4,036	863.19	16,318
Asset Writedown	35.88	46.98	-118.78	100.6	-579.8	-221.43
Other Unusual Items	-24.44	-	-	-	-	-
Pretax Income	1,156	416.3	7,361	4,136	283.39	16,097
Income Tax Expense	-1,820	-2,609	-292.72	-455.21	110.8	3,322
Earnings From Continuing Operations	2,976	3,025	7,654	4,592	172.59	12,775
Earnings From Discontinued Operations	-	-	521.13	2,375	-	-
Minority Interest in Earnings	-1.56	-2.06	-40.33	-151.23	59.18	-10.04
Net Income	2,974	3,023	8,134	6,816	231.77	12,765
Net Income to Common	2,974	3,023	8,134	6,816	231.77	12,765
Net Income Growth	-33.77%	-62.84%	19.35%	2840.72%	-98.18%	109.88%
Basic Shares Outstanding	359,437	359,882	359,931	360,622	386,287	360,595
Diluted Shares Outstanding	359,437	359,882	359,931	360,622	386,287	360,595
Shares Change (YoY)	-0.38%	-0.01%	-0.19%	-6.64%	7.12%	0.20%
EPS (Basic)	0.01	0.01	0.02	0.02	0.00	0.04
EPS (Diluted)	0.01	0.01	0.02	0.02	0.00	0.04
EPS Growth	-33.52%	-62.83%	19.58%	3050.00%	-98.30%	109.47%
Dividend Per Share	-	-	0.027	-	-	-
Effective Tax Rate	-	-	-	-	39.10%	20.64%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.