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CREDIT BANK OF MOSCOW
CREDIT BANK OF MOSCOW (CBOM) investor relations material
CREDIT BANK OF MOSCOW Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Apr, 2026
Executive summary
Net profit for 2025 reached RUB 22,611 million, up from RUB 20,887 million in 2024, with EPS rising to RUB 0.57 from RUB 0.48 year-over-year.
Total comprehensive income for 2025 was RUB 29,478 million, a significant increase from RUB 2,490 million in 2024.
The bank remains among the top 10 in Russia by assets, with a focus on corporate and retail banking.
Financial highlights
Interest income rose to RUB 743,720 million in 2025 from RUB 664,579 million in 2024.
Net interest income remained stable at RUB 105,230 million (2024: RUB 105,838 million), but after credit loss allowances, it turned negative at RUB -118,962 million (2024: RUB 64,273 million).
Fee and commission income was RUB 19,094 million, with net fee and commission income at RUB 13,187 million.
Operating income was RUB 67,735 million, down from RUB 64,068 million in 2024.
Profit before tax increased to RUB 32,129 million (2024: RUB 22,599 million).
Total assets decreased to RUB 4,873,717 million from RUB 5,008,951 million at year-end 2024.
Loans to customers fell to RUB 2,352,372 million from RUB 2,697,626 million.
Customer deposits dropped to RUB 2,811,263 million from RUB 3,178,512 million.
Debt securities issued decreased to RUB 90,006 million from RUB 168,914 million.
Outlook and guidance
The Russian economy grew by 1% in 2025, with inflation slowing to 5.6% and the CBR key rate reduced to 16%.
Management expects continued tight monetary conditions and ongoing sanctions pressure.
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Latest events from CREDIT BANK OF MOSCOW
- Net profit reached RUB 28.9bn, assets grew, and capital ratios remained robust amid sanctions.CBOM
Q3 20258 Dec 2025 - Profit and net interest income fell sharply, but capital ratios strengthened.CBOMQ2 20258 Sep 2025
- Net income fell to RUB 20.9bn in 2024 as NPLs and funding costs increased.CBOMQ4 20246 Jun 2025
- Q1 2025 profit fell 83% year-over-year as sanctions and costs weighed on results.CBOMQ1 20256 Jun 2025
- Profit fell sharply despite asset growth, as comprehensive income was hit by market losses.CBOMQ2 20244 Jun 2025
- Sharp drop in profit and comprehensive income amid sanctions-driven disclosure limits.CBOMQ3 20244 Jun 2025
Next CREDIT BANK OF MOSCOW earnings date
Q1 202628 May, 2026
CREDIT BANK OF MOSCOW
Next CREDIT BANK OF MOSCOW earnings date
Q1 202628 May, 2026
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