Raiffeisen Bank JSC (UKR:BAVL)

Raiffeisen Bank JSC Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	23,448	22,660	20,261	20,007	14,863	9,729
Interest Income on Investments	996.05	962.56	887.79	690.03	391.01	287.06
Total Interest Income	24,444	23,623	21,149	20,697	15,254	10,016
Interest Paid on Deposits	5,049	4,750	4,142	3,860	2,433	1,784
Total Interest Expense	5,049	4,750	4,142	3,860	2,433	1,784
Net Interest Income	19,395	18,873	17,007	16,837	12,820	8,232
Net Interest Income Growth (YoY)	12.88%	10.97%	1.01%	31.33%	55.73%	12.76%
Gain (Loss) on Sale of Assets	24.74	24.74	29.01	34.04	-7.2	25.13
Other Non-Interest Income	3,841	3,792	3,944	4,796	5,670	3,511
Total Non-Interest Income	3,883	3,834	3,965	4,697	5,553	3,441
Non-Interest Income Growth (YoY)	-0.50%	-3.31%	-15.58%	-15.42%	61.41%	10.79%
Revenues Before Loan Losses	23,277	22,706	20,972	21,534	18,374	11,673
Provision for Loan Losses	-1,868	-2,253	2,606	3,743	9,458	-90.24
Revenue	25,145	24,959	18,366	17,791	8,915	11,763
Revenue Growth (YoY)	37.52%	35.90%	3.23%	99.55%	-24.21%	17.75%
Salaries and Employee Benefits	5,373	5,219	4,377	3,194	3,054	2,524
Occupancy Expenses	1,640	1,634	1,425	1,318	890.05	913.02
Selling, General & Administrative	3,683	3,573	3,180	2,692	2,224	1,839
Other Non-Interest Expense	27.25	23.66	44.44	606.49	710.81	500.54
Total Non-Interest Expense	10,718	10,450	9,026	7,810	6,878	5,777
EBT Excluding Unusual Items	14,427	14,509	9,340	9,981	2,037	5,986
Asset Writedown	-1.77	-1.77	8.14	6.82	3.16	-34.28
Other Unusual Items	-137.31	-137.31	-137.59	-235.49	-	-
Pretax Income	14,288	14,370	9,211	9,752	2,040	5,952
Income Tax Expense	4,466	3,629	4,921	4,954	441.48	1,075
Earnings From Continuing Operations	9,822	10,741	4,290	4,798	1,599	4,878
Minority Interest in Earnings	-0.97	-0.88	-1.7	-1.36	-0.47	-3.93
Net Income	9,822	10,740	4,288	4,796	1,598	4,874
Preferred Dividends & Other Adjustments	0.7	0.7	0.7	0.7	0.7	0.7
Net Income to Common	9,821	10,740	4,287	4,796	1,598	4,873
Net Income Growth	147.32%	150.47%	-10.60%	200.10%	-67.21%	18.62%
Basic Shares Outstanding	61,469	61,495	61,495	61,495	61,495	61,495
Diluted Shares Outstanding	61,469	61,495	61,495	61,495	61,495	61,495
Shares Change (YoY)	-0.07%	-	-	-	-	-
EPS (Basic)	0.16	0.17	0.07	0.08	0.03	0.08
EPS (Diluted)	0.16	0.17	0.07	0.08	0.03	0.08
EPS Growth	147.53%	150.50%	-10.60%	200.19%	-67.22%	18.62%
Effective Tax Rate	31.25%	25.25%	53.43%	50.80%	21.64%	18.05%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.