BANK URALSIB 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 2020
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '20 Dec 31, 2020
Interest Income on Loans	130,433	134,755	97,382	58,945	47,516	33,174
Interest Income on Investments	2,918	3,538	6,452	5,814	3,757	5,648
Total Interest Income	133,351	138,293	103,835	64,760	51,273	38,823
Interest Paid on Deposits	85,975	93,104	66,303	31,430	27,744	16,020
Net Interest Income	47,377	45,189	37,531	33,330	23,529	22,803
Net Interest Income Growth (YoY)	14.87%	20.40%	12.61%	41.65%	3.19%	-0.54%
Gain (Loss) on Sale of Assets	84.56	85.56	157.47	148.71	205.2	-282.62
Gain (Loss) on Sale of Investments	-986.75	-2,732	-5,138	4,061	3,569	528.85
Gain (Loss) on Sale of Equity Investments	-	-	0.58	-3.46	-	-
Other Non-Interest Income	17,608	17,669	14,649	10,738	12,959	6,048
Total Non-Interest Income	16,705	15,022	9,668	14,944	16,734	6,294
Non-Interest Income Growth (YoY)	63.20%	55.37%	-35.30%	-10.70%	165.85%	-71.64%
Revenues Before Loan Losses	64,082	60,211	47,200	48,273	40,263	29,097
Provision for Loan Losses	16,680	16,732	10,280	2,882	5,356	4,158
Revenue	47,402	43,479	36,920	45,392	34,907	24,939
Revenue Growth (YoY)	22.14%	17.77%	-18.66%	30.04%	39.97%	-38.31%
Selling, General & Administrative	36,575	36,240	31,779	30,405	27,219	22,623
Other Non-Interest Expense	1,724	1,489	4,796	7,507	3,652	1,454
Total Non-Interest Expense	38,799	37,730	36,575	37,912	30,871	24,076
EBT Excluding Unusual Items	8,603	5,750	344.89	7,480	4,036	863.19
Asset Writedown	-95.82	10.34	46.98	-118.78	100.6	-579.8
Other Unusual Items	-	-	24.44	-	-	-
Pretax Income	8,508	5,760	416.3	7,361	4,136	283.39
Income Tax Expense	-81.65	1,050	-2,609	-292.72	-455.21	110.8
Earnings From Continuing Operations	8,589	4,710	3,025	7,654	4,592	172.59
Earnings From Discontinued Operations	-	-	-	521.13	2,375	-
Minority Interest in Earnings	-1.23	-1.42	-2.06	-40.33	-151.23	59.18
Net Income	8,588	4,708	3,023	8,134	6,816	231.77
Net Income to Common	8,588	4,708	3,023	8,134	6,816	231.77
Net Income Growth	142.94%	55.75%	-62.84%	19.35%	2840.72%	-98.18%
Basic Shares Outstanding	359,629	359,427	359,882	359,931	360,622	386,287
Diluted Shares Outstanding	359,629	359,427	359,882	359,931	360,622	386,287
Shares Change (YoY)	56.55%	-0.13%	-0.01%	-0.19%	-6.64%	7.12%
EPS (Basic)	0.02	0.01	0.01	0.02	0.02	0.00
EPS (Diluted)	0.02	0.01	0.01	0.02	0.02	0.00
EPS Growth	55.18%	55.95%	-62.83%	19.58%	3050.00%	-98.30%
Dividend Per Share	-	-	-	0.027	-	-
Effective Tax Rate	-	18.23%	-	-	-	39.10%