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CREDIT BANK OF MOSCOW (CBOM) investor relations material
CREDIT BANK OF MOSCOW Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit for Q1 2026 reached RUB 14,294 million, a significant increase from RUB 2,304 million in Q1 2025.
Operating income rose to RUB 25,791 million from RUB 11,047 million year-over-year.
Total comprehensive income for the period was RUB 17,313 million, up from RUB 2,973 million.
Financial highlights
Net interest income increased to RUB 29,810 million from RUB 21,300 million year-over-year.
Net fee and commission income was RUB 2,903 million, down from RUB 3,410 million.
Earnings per share rose to RUB 0.40 from RUB 0.04.
Total assets stood at RUB 4,738,675 million as of 31 March 2026, down from RUB 4,873,717 million at year-end 2025.
Loans to customers decreased to RUB 2,289,448 million from RUB 2,352,372 million at year-end.
Outlook and guidance
The Russian business environment remains under sanctions pressure, with macroeconomic stabilization observed in Q1 2026.
Inflation stabilized at 5.9% in March 2026, and the CBR reduced the key rate to 14.5% in April 2026.
- Net profit and capital ratios improved in 2025, despite higher credit risk and lower assets.CBOM
Q4 202527 Apr 2026 - 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.CBOM
Q2 20258 Sep 2025 - Net income fell to RUB 20.9bn in 2024 as NPLs and funding costs increased.CBOM
Q4 20246 Jun 2025 - Q1 2025 profit fell 83% year-over-year as sanctions and costs weighed on results.CBOM
Q1 20256 Jun 2025 - Profit fell sharply despite asset growth, as comprehensive income was hit by market losses.CBOM
Q2 20244 Jun 2025 - Sharp drop in profit and comprehensive income amid sanctions-driven disclosure limits.CBOM
Q3 20244 Jun 2025
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