UKR:UGZB Income Statement

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

Millions UAH. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	22,394	21,455	20,642	17,300	11,317	4,816
Interest Income on Investments	385.66	278.82	115.16	69.39	249.25	3,886
Total Interest Income	22,779	21,734	20,757	17,370	11,566	8,702
Interest Paid on Deposits	11,555	10,812	10,625	10,690	6,572	3,347
Interest Paid on Borrowings	-	-	-	-	-	95.05
Total Interest Expense	11,555	10,812	10,625	10,690	6,572	3,443
Net Interest Income	11,225	10,923	10,131	6,680	4,994	5,260
Net Interest Income Growth	4.04%	7.81%	51.68%	33.75%	-5.04%	63.87%
Gain (Loss) on Sale of Assets	80.22	80.22	5.92	0.19	0.76	0.26
Gain (Loss) on Sale of Investments	120.64	118.9	396.25	343.77	2.05	303.61
Other Non-Interest Income	2,377	2,101	1,937	2,117	2,492	2,348
Total Non-Interest Income	2,578	2,300	2,339	2,461	2,495	2,652
Non-Interest Income Growth	13.67%	-1.65%	-4.96%	-1.36%	-5.91%	25.89%
Revenues Before Loan Losses	13,803	13,223	12,470	9,141	7,489	7,911
Provision for Loan Losses	823.87	1,379	1,078	167.52	7,071	-607.83
Revenue	12,979	11,844	11,392	8,973	418.14	8,519
Revenue Growth	20.21%	3.96%	26.96%	2046.02%	-95.09%	124.32%
Salaries and Employee Benefits	4,094	3,565	3,240	2,507	2,156	2,103
Occupancy Expenses	522.54	496.5	480.53	427.4	365.78	316.17
Selling, General & Administrative	1,413	1,298	1,175	978.62	1,290	63.78
Other Non-Interest Expense	740.58	740.58	574.15	548.64	485.23	1,339
Total Non-Interest Expense	6,770	6,100	5,470	4,462	4,297	3,822
EBT Excluding Unusual Items	6,209	5,743	5,922	4,512	-3,879	4,697
Asset Writedown	16.19	11.89	-6.28	32.1	15.5	-16.01
Legal Settlements	134.23	134.23	-2.92	117.17	-135.73	4.34
Pretax Income	6,359	5,889	5,913	4,661	-3,999	4,685
Income Tax Expense	2,250	1,021	2,497	2,724	-137.63	914.36
Net Income	4,109	4,868	3,416	1,936	-3,862	3,771
Net Income to Common	4,109	4,868	3,416	1,936	-3,862	3,771
Net Income Growth	78.13%	42.49%	76.43%	-	-	817.43%
Basic Shares Outstanding	13,837	13,837	13,837	13,318	13,318	13,318
Diluted Shares Outstanding	13,837	13,837	13,837	13,318	13,318	13,318
Shares Change	-0.31%	-	3.90%	-	-	-2.80%
EPS (Basic)	0.30	0.35	0.25	0.15	-0.29	0.28
EPS (Diluted)	0.30	0.35	0.25	0.15	-0.29	0.28
EPS Growth	78.68%	42.49%	69.81%	-	-	843.83%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	35.38%	17.34%	42.22%	58.45%	-	19.52%