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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	21,842	20,261	20,007	14,863	9,729	9,306
Interest Income on Investments	929.62	887.79	690.03	391.01	287.06	228.14
Total Interest Income	22,772	21,149	20,697	15,254	10,016	9,534
Interest Paid on Deposits	4,481	4,142	3,860	2,433	1,784	2,233
Total Interest Expense	4,481	4,142	3,860	2,433	1,784	2,233
Net Interest Income	18,291	17,007	16,837	12,820	8,232	7,301
Net Interest Income Growth (YoY)	7.54%	1.01%	31.33%	55.73%	12.76%	1.10%
Gain (Loss) on Sale of Assets	28.42	29.01	34.04	-7.2	25.13	47.41
Gain (Loss) on Sale of Investments	15.72	-	-	-	-	-
Other Non-Interest Income	3,935	3,944	4,796	5,670	3,511	3,104
Total Non-Interest Income	3,996	3,965	4,697	5,553	3,441	3,106
Non-Interest Income Growth (YoY)	-1.45%	-15.58%	-15.42%	61.41%	10.79%	-3.03%
Revenues Before Loan Losses	22,287	20,972	21,534	18,374	11,673	10,406
Provision for Loan Losses	1,557	2,606	3,743	9,458	-90.24	416.76
Revenue	20,730	18,366	17,791	8,915	11,763	9,990
Revenue Growth (YoY)	5.29%	3.23%	99.55%	-24.21%	17.75%	-6.62%
Salaries and Employee Benefits	4,275	3,726	3,194	3,054	2,524	2,605
Occupancy Expenses	1,566	1,425	1,318	890.05	913.02	798.47
Selling, General & Administrative	3,340	3,180	2,692	2,224	1,839	1,506
Other Non-Interest Expense	674.63	694.8	606.49	710.81	500.54	50.59
Total Non-Interest Expense	9,856	9,026	7,810	6,878	5,777	4,961
EBT Excluding Unusual Items	10,875	9,340	9,981	2,037	5,986	5,029
Asset Writedown	8.14	8.14	6.82	3.16	-34.28	4.29
Other Unusual Items	-137.59	-137.59	-235.49	-	-	-
Pretax Income	10,745	9,211	9,752	2,040	5,952	5,033
Income Tax Expense	5,279	4,921	4,954	441.48	1,075	920.21
Earnings From Continuing Operations	5,466	4,290	4,798	1,599	4,878	4,113
Minority Interest in Earnings	-1.21	-1.7	-1.36	-0.47	-3.93	-4.13
Net Income	5,465	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	5,464	4,287	4,796	1,598	4,873	4,108
Net Income Growth	13.48%	-10.60%	200.10%	-67.21%	18.62%	-14.83%
Basic Shares Outstanding	61,466	61,495	61,495	61,495	61,495	61,495
Diluted Shares Outstanding	61,466	61,495	61,495	61,495	61,495	61,495
Shares Change (YoY)	-0.06%	-	-	-	-	0.01%
EPS (Basic)	0.09	0.07	0.08	0.03	0.08	0.07
EPS (Diluted)	0.09	0.07	0.08	0.03	0.08	0.07
EPS Growth	13.55%	-10.60%	200.19%	-67.22%	18.62%	-14.84%
Dividend Per Share	0.014	0.014	-	-	-	0.033
Dividend Growth	-	-	-	-	-	-52.17%
Effective Tax Rate	49.13%	53.43%	50.80%	21.64%	18.05%	18.28%

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