CREDIT BANK OF MOSCOW (CBOM) Q3 2025 earnings summary

Executive summary

• Net profit for the nine months ended 30 September 2025 was RUB 28,855 million, up from RUB 28,068 million year-over-year.

• Total comprehensive income for the period reached RUB 35,638 million, a significant increase from RUB 10,603 million in the prior year.

• The bank remains among the top 10 in Russia by assets, with a broad branch and ATM network.

Financial highlights

• Net interest income for the nine months was RUB 72,027 million, down from RUB 85,856 million year-over-year.

• Operating income before provisions was RUB 188,504 million, with a notable non-recurring other income of RUB 196,134 million.

• Earnings per share for the period were RUB 0.78, up from RUB 0.72 year-over-year.

• Total assets as of 30 September 2025 were RUB 5,454,843 million, up from RUB 5,008,951 million at year-end 2024.

• Loans to customers (net) stood at RUB 2,270,962 million, with customer deposits at RUB 3,504,590 million.

Outlook and guidance

• The Russian economy grew by 1.0% in the first nine months of 2025, with inflation at 7.98% and the CBR key rate at 17.0% by September.

• Retail trade and real disposable income showed positive trends, supporting domestic demand.

• In October 2025, credit ratings were affirmed at AA-|ru (NRA) and A+ (RU) (ACRA), with stable or developing outlooks.