The Russian Public Joint-Stock Commercial Roads Bank (MOEX:RDRB)

MOEX:RDRB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Jan 1, 2021
Interest Income on Loans	7,072	6,335	4,265	2,990	1,748	1,302
Interest Income on Investments	-	-	-	297.14	292.94	280.27
Total Interest Income	7,072	6,335	4,265	3,287	2,041	1,583
Interest Paid on Deposits	5,243	4,479	2,288	1,671	717.88	685.8
Interest Paid on Borrowings	-	-	-	104.4	96.69	62.73
Total Interest Expense	5,243	4,479	2,288	1,775	814.57	748.53
Net Interest Income	1,829	1,856	1,977	1,512	1,227	834.21
Net Interest Income Growth (YoY)	-8.76%	-6.12%	30.75%	23.25%	47.05%	-12.67%
Gain (Loss) on Sale of Assets	-	-	-	-	-	6.76
Gain (Loss) on Sale of Investments	-58.68	19.29	-79.69	18.78	54.4	153.82
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	1.39
Other Non-Interest Income	771.1	829.47	783.43	572.1	368.83	442.77
Total Non-Interest Income	712.42	848.76	703.74	590.87	423.23	604.74
Non-Interest Income Growth (YoY)	-2.95%	20.61%	19.10%	39.61%	-30.01%	89.34%
Revenues Before Loan Losses	2,542	2,704	2,681	2,103	1,650	1,439
Provision for Loan Losses	0.96	32.86	522.5	781.91	257.59	193.98
Revenue	2,541	2,672	2,158	1,321	1,392	1,245
Revenue Growth (YoY)	9.07%	23.80%	63.38%	-5.13%	11.84%	15.82%
Salaries and Employee Benefits	101.82	-	-	-	-	506.3
Occupancy Expenses	-7.29	-	-	-	-	165.06
Federal Deposit Insurance	0.88	-	-	-	-	-
Amortization of Goodwill & Intangibles	0.37	-	-	-	-	4.6
Selling, General & Administrative	42.89	-	-	-	-	33.22
Other Non-Interest Expense	1,834	1,776	1,491	969.03	1,000	189.31
Total Non-Interest Expense	1,973	1,776	1,491	969.03	1,000	898.49
EBT Excluding Unusual Items	567.78	895.68	667.19	351.87	392.3	346.48
Asset Writedown	4.12	-6.91	-7.58	-	-	-
Pretax Income	571.9	888.77	659.61	351.87	392.3	346.48
Income Tax Expense	76.41	151.5	128.7	66.76	85.22	80.57
Net Income	495.5	737.27	530.91	285.11	307.08	265.92
Preferred Dividends & Other Adjustments	0.11	0.11	0.11	-	-	0.11
Net Income to Common	495.39	737.16	530.8	285.11	307.08	265.81
Net Income Growth	-7.95%	38.87%	86.22%	-7.16%	15.48%	104.44%
Basic Shares Outstanding	-	22	20	21	-	15
Diluted Shares Outstanding	-	22	20	21	-	15
Shares Change (YoY)	-	11.90%	-7.14%	-	-	42.77%
EPS (Basic)	-	33.52	27.01	13.47	-	17.54
EPS (Diluted)	-	33.52	27.01	13.47	-	17.54
EPS Growth	-	24.11%	100.50%	-	-	43.25%
Dividend Per Share	16.400	16.400	15.850	11.000	-	10.920
Dividend Growth	3.47%	3.47%	44.09%	-	-	62.26%
Effective Tax Rate	13.36%	17.05%	19.51%	18.97%	21.72%	23.25%

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