Raiffeisen Bank JSC (UKR:BAVL)

Raiffeisen Bank JSC Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	20,421	20,261	20,007	14,863	9,729	9,306
Interest Income on Investments	878.11	887.79	690.03	391.01	287.06	228.14
Total Interest Income	21,299	21,149	20,697	15,254	10,016	9,534
Interest Paid on Deposits	4,118	4,142	3,860	2,433	1,784	2,233
Total Interest Expense	4,118	4,142	3,860	2,433	1,784	2,233
Net Interest Income	17,181	17,007	16,837	12,820	8,232	7,301
Net Interest Income Growth (YoY)	0.83%	1.01%	31.33%	55.73%	12.76%	1.10%
Gain (Loss) on Sale of Assets	25.45	29.01	34.04	-7.2	25.13	47.41
Other Non-Interest Income	3,885	3,944	4,796	5,670	3,511	3,104
Total Non-Interest Income	3,903	3,965	4,697	5,553	3,441	3,106
Non-Interest Income Growth (YoY)	-9.05%	-15.58%	-15.42%	61.41%	10.79%	-3.03%
Revenues Before Loan Losses	21,084	20,972	21,534	18,374	11,673	10,406
Provision for Loan Losses	2,798	2,606	3,743	9,458	-90.24	416.76
Revenue	18,286	18,366	17,791	8,915	11,763	9,990
Revenue Growth (YoY)	-3.33%	3.23%	99.55%	-24.21%	17.75%	-6.62%
Salaries and Employee Benefits	3,957	3,726	3,194	3,054	2,524	2,605
Occupancy Expenses	1,511	1,425	1,318	890.05	913.02	798.47
Selling, General & Administrative	3,251	3,180	2,692	2,224	1,839	1,506
Other Non-Interest Expense	681.07	694.8	606.49	710.81	500.54	50.59
Total Non-Interest Expense	9,400	9,026	7,810	6,878	5,777	4,961
EBT Excluding Unusual Items	8,886	9,340	9,981	2,037	5,986	5,029
Asset Writedown	8.04	8.14	6.82	3.16	-34.28	4.29
Other Unusual Items	-137.59	-137.59	-235.49	-	-	-
Pretax Income	8,756	9,211	9,752	2,040	5,952	5,033
Income Tax Expense	4,784	4,921	4,954	441.48	1,075	920.21
Earnings From Continuing Operations	3,972	4,290	4,798	1,599	4,878	4,113
Minority Interest in Earnings	-1.18	-1.7	-1.36	-0.47	-3.93	-4.13
Net Income	3,971	4,288	4,796	1,598	4,874	4,109
Preferred Dividends & Other Adjustments	0.7	0.7	0.7	0.7	0.7	0.7
Net Income to Common	3,970	4,287	4,796	1,598	4,873	4,108
Net Income Growth	-24.61%	-10.60%	200.10%	-67.21%	18.62%	-14.83%
Basic Shares Outstanding	61,513	61,495	61,495	61,495	61,495	61,495
Diluted Shares Outstanding	61,513	61,495	61,495	61,495	61,495	61,495
Shares Change (YoY)	0.06%	-	-	-	-	0.01%
EPS (Basic)	0.06	0.07	0.08	0.03	0.08	0.07
EPS (Diluted)	0.06	0.07	0.08	0.03	0.08	0.07
EPS Growth	-24.65%	-10.60%	200.19%	-67.22%	18.62%	-14.84%
Dividend Per Share	-	-	-	-	-	0.033
Dividend Growth	-	-	-	-	-	-52.17%
Effective Tax Rate	54.63%	53.43%	50.80%	21.64%	18.05%	18.28%

Updated Nov 27, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.