Financial Results

Performance

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF PROFIT OR LOSS FOR THE PERIOD ENDED 31 MARCH 2026 (in millions of Kazakhstani tenge)	Appendix 2
	For the period ended 31 March 2026	For the period ended 31 March 2025
Interest income calculated using the effective interest method, except for interest income on loans to customers and banks measured at amortised cost	51442	43939
Interest income calculated using the effective interest method on loans to customers and banks measured at amortised cost	193287	166389
Interest expense	-123828	-108721
Net interest income before allowance for expected credit losses on interest-bearing assets	120901	101607
Provision for expected credit losses on loans to customers and banks	-28611	-24791
NET INTEREST INCOME	92290	76816
Fee and commission income	22387	20093
Fee and commission expense	-10438	-9673
Net fee and commission income	11949	10420
Net gain/(loss) on financial instruments at fair value through profit or loss	8465	7662
Net gain on sale and redemption of financial assets measured at fair value through other comprehensive income	382	-289
Net gain on foreign exchange operations	11856	10379
Net result from insurance activities	2132	1853
Other income	1587	1325
Non-interest income	34422	31350
Operating income	126712	118586
Personnel expenses	-26154	-23886
Depreciation and amortisation	-5038	-4625
Administrative expenses	-15983	-14666
Other expenses	-3976	-3548
Operating expenses	-51151	-46725
PROFIT FROM OPERATING ACTIVITIES	75561	71861
Corporate income tax expense	-15489	-14703
PROFIT FOR THE PERIOD	60072	57158

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF PROFIT OR LOSS FOR THE YEAR ENDED 31 DECEMBER 2025 (in millions of Kazakhstani tenge)	Appendix 2
	For the year ended 31 December 2025	For the year ended 31 December 2024
Interest income calculated using the effective interest method, except for interest income on loans to customers and banks measured at amortised cost	178512	147589
Interest income calculated using the effective interest method on loans to customers and banks measured at amortised cost	645189	485605
Interest expense	-393398	-316225
Net interest income before allowance for expected credit losses on interest-bearing assets	430303	316969
Provision for expected credit losses on loans to customers and banks	-99080	-66434
NET INTEREST INCOME	331223	250535
Fee and commission income	80711	72340
Fee and commission expense	-39511	-37967
Net fee and commission income	41200	34373
Net gain/(loss) on financial instruments at fair value through profit or loss	7991	2166
Net gain on sale and redemption of financial assets measured at fair value through other comprehensive income	-1530	1899
Net gain on foreign exchange operations	42615	56286
Net result from insurance activities	6194	5403
Other income	6756	5495
Non-interest income	62026	71249
Operating income	434449	356157
Personnel expenses	-88679	-68656
Depreciation and amortisation	-17644	-15593
Administrative expenses	-52635	-41197
Other expenses	-11684	-9430
Operating expenses	-170642	-134876
PROFIT FROM OPERATING ACTIVITIES	263807	221281
Corporate income tax expense	-54083	-44070
PROFIT FOR THE YEAR	209724	177211

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF PROFIT OR LOSS FOR THE NINE MONTHS ENDED 30 SEPTEMBER 2025 (in millions of Kazakhstani tenge)	Appendix 2
	For the nine months ended 30 September 2025	For the nine months ended 30 September 2024
Interest income calculated using the effective interest method, except for interest income on loans to customers and banks measured at amortised cost	133214	110472
Interest income calculated using the effective interest method on loans to customers and banks measured at amortised cost	482911	363882
Interest expense	-295337	-235441
Net interest income before allowance for expected credit losses on interest-bearing assets	320788	238913
Provision for expected credit losses on loans to customers and banks	-74288	-51634
NET INTEREST INCOME	246500	187279
Fee and commission income	59844	54723
Fee and commission expense	-29385	-28114
Net fee and commission income	30459	26609
Net gain/(loss) on financial instruments at fair value through profit or loss	6932	1754
Net gain on sale and redemption of financial assets measured at fair value through other comprehensive income	-1187	1443
Net gain on foreign exchange operations	32976	42117
Net result from insurance activities	4815	3921
Other income	5126	4311
Non-interest income	48662	53546
Operating income	395162	321434
Personnel expenses	-65773	-51784
Depreciation and amortisation	-13112	-11724
Administrative expenses	-38994	-30915
Other expenses	-8921	-6892
Operating expenses	-126800	-101315
PROFIT FROM OPERATING ACTIVITIES	268362	220119
Corporate income tax expense	-54896	-43792
PROFIT FOR THE PERIOD	213466	176327

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT NON-CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR SIX MONTHS ENDED 30 JUNE 2025 (UNAUDITED) (in million KZT)
	For six months ended 30 June 2025	For six months ended 30 June 2024
Interest income calculated using the effective interest rate method, excluding interest income on loans to customers and banks carried at amortised cost	88 707	74 157
Interest income calculated using the effective interest rate method on loans to customers and banks carried at amortised cost	342 399	258 113
Interest expense	(230 076)	(171 192)
NET INTEREST INCOME BEFORE PROVISION FOR EXPECTED CREDIT LOSSES ON INTEREST-BEARING ASSETS	201 030	161 078
Formation of reserves for expected credit losses on interest-bearing assets	(44 363)	(34 989)
NET INTEREST INCOME	156 667	126 089
Fee and commission income	43 476	40 343
Fee and commission expense	(21 194)	(18 933)
NET FEE INCOME	22 282	21 410
Net gain/(loss) on financial instruments at fair value through profit or loss	5 862	4 774
Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income	(452)	1 479
Net gain/(loss) on foreign exchange operations	60 592	28 719
Provision for expected credit losses allowance on other financial assets and due from banks	5 138	(4 800)
Provision for credit related commitments	276	2 618
Loss from impairment loss on other non-financial assets	(49)	45
Other income/expenses	1 188	(3 639)
NET NON-INTEREST INCOME	94 837	50 606
OPERATING INCOME	251 504	176 695
OPERATING EXPENSES	(90 993)	(74 238)
OPERATING PROFIT BEFORE INCOME TAX	160 511	102 457
Corporate income tax expense	(23 142)	(18 097)
PROFIT FOR THE PERIOD	137 369	84 360
On behalf of the Group's Management Board: First Vice President, Member of the Management Board _____________ R.B. Tenizov Chief Accountant _______________ A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF PROFIT OR LOSS FOR THE PERIOD ENDED 31 MARCH 2025 (in millions of Kazakhstani tenge)	Appendix 2
	For the period ended 31 March 2025	For the period ended 31 March 2024
Interest income calculated using the effective interest method, except for interest income on loans to customers and banks measured at amortised cost	43939	37338
Interest income calculated using the effective interest method on loans to customers and banks measured at amortised cost	166389	121959
Interest expense	-108721	-83506
Net interest income before allowance for expected credit losses on interest-bearing assets	101607	75791
Provision for expected credit losses on loans to customers and banks	-24791	-18243
NET INTEREST INCOME	76816	57548
Fee and commission income	20093	19422
Fee and commission expense	-9673	-10209
Net fee and commission income	10420	9213
Net gain/(loss) on financial instruments at fair value through profit or loss	7662	3395
Net gain on sale and redemption of financial assets measured at fair value through other comprehensive income	-289	836
Net gain on foreign exchange operations	10379	17075
Net result from insurance activities	1853	1564
Other income	1325	1532
Non-interest income	31350	33615
Operating income	118586	91163
Personnel expenses	-23886	-18857
Depreciation and amortisation	-4625	-4309
Administrative expenses	-14666	-12189
Other expenses	-3548	-2756
Operating expenses	-46725	-38111
PROFIT FROM OPERATING ACTIVITIES	71861	53052
Corporate income tax expense	-14703	-10672
PROFIT FOR THE PERIOD	57158	42380

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE MONTH ENDED 31 DECEMBER 2024 (in millions of Kazakhstani tenge)
	31 December 2024	31 December 2023

Interest income calculated using the effective interest rate method, excluding interest income on loans provided to customers and banks accounted for at amortized cost	153,952	138,712
Interest income calculated using the effective interest rate method on loans provided to customers and banks accounted for at amortized cost	573,798	386,244
Interest expense	(367,662)	(274,382)
Net interest income before credit loss allowances on interest-bearing assets	360,088	250,574
Expected credit loss allowance on loans to customers and banks	(68,279)	(40,821)
NET INTEREST INCOME	291,809	209,753
Fee and commission income	81,578	84,536
Fee and commission expense	(37,154)	(44,913)
Net fee and commission income	44,424	39,623
Net gain/(loss) on financial instruments at fair value through profit or loss	1,173	7,892
Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income	2,179	883
Net foreign exchange gain	92,016	45,603
Expected credit loss allowance on other financial assets and due from banks	(20,597)	(1,284)
Charge of provision for credit-related commitments	2,587	(27,399)
Impairment loss on other non-financial assets	(5,029)	(742)
Income from initial recognition of financial liabilities	33,025	-
Loss from early repayment of subordinated bonds	(9,842)	-
Other expenses	(10,456)	(937)
NET NON-INTEREST INCOME	129,480	63,639
OPERATING INCOME	421,289	273,392
OPERATING EXPENSES	(171,837)	(118,475)
OPERATING INCOME BEFORE TAX	249,452	154,917
Corporate income tax expense	(54,328)	(24,401)
NET INCOME	195,124	130,516

Chairman of the Management Board	_______________	R.V. Vladimirov
Chief Accountant	_______________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE MONTH ENDED 30 SEPTEMBER 2024 (in millions of Kazakhstani tenge)
	30 September 2024	31 December 2023

Interest income calculated using the effective interest rate method, excluding interest income on loans provided to customers and banks accounted for at amortized cost	113,631	105,473
Interest income calculated using the effective interest rate method on loans provided to customers and banks accounted for at amortized cost	411,060	269,024
Interest expense	(267,112)	(196,288)
Net interest income before credit loss allowances on interest-bearing assets	257,579	178,209
Expected credit loss allowance on loans to customers and banks	(55,669)	(31,139)
NET INTEREST INCOME	201,910	147,070
Fee and commission income	63,614	62,987
Fee and commission expense	(30,899)	(26,743)
Net fee and commission income	32,715	36,244
Net gain/(loss) on financial instruments at fair value through profit or loss	5,294	1,432
Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income	2,123	433
Net foreign exchange gain	54,941	37,713
Expected credit loss allowance on other financial assets and due from banks	(5,086)	(1,205)
Charge of provision for credit-related commitments	2,695	23,200
Impairment loss on other non-financial assets	(40)	(689)
Other expenses	(4 260)	(5 892)
NET NON-INTEREST INCOME	88 462	44 846
OPERATING INCOME	290 372	191 916
OPERATING EXPENSES	(119 295)	(82 760)
OPERATING INCOME BEFORE TAX	171,077	109,156
Corporate income tax expense	(31,968)	(9,919)
NET INCOME	139,109	99,237

Chairman of the Management Board	_______________	R.V. Vladimirov
Chief Accountant	_______________	A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF FINANCIAL POSITION AS AT 31 MARCH 2026 (in millions of Kazakhstani tenge)	Appendix 1
	As at 31 March 2026	As at 31 December 2025
ASSETS:
Cash and cash equivalents	1942675	1833521
Financial instruments measured at fair value through profit or loss	7342	6253
Amounts due from banks and other financial institutions	702488	645311
Derivative financial assets	2144	1755
Loans to customers	3798641	3679726
Receivables under reverse repurchase agreements	268935	245744
Investment securities	1288447	1213182
Current corporate income tax assets	0	0
Deferred corporate income tax assets	12486	12037
Property and equipment and intangible assets	108244	106871
Right-of-use assets	7156	7418
Insurance contract assets	664	587
Other assets	71288	66046
Total assets	8204510	7818451
LIABILITIES:
Amounts due to banks and other financial institutions	201544	187422
Derivative financial liabilities	1387	1191
Current accounts and deposits from customers	6517488	6246292
Debt securities issued	307612	293417
Payables under repurchase agreements	6831	5990
Subordinated debt	12252	12252
Lease liabilities	7896	8111
Insurance contract liabilities	31

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2025 (in millions of Kazakhstani tenge)	Appendix 1
	As at 31 December 2025	As at 31 December 2024
ASSETS:
Cash and cash equivalents	1833521	1662364
Financial instruments measured at fair value through profit or loss	6253	–
Amounts due from banks and other financial institutions	645311	606882
Derivative financial assets	1755	1463
Loans to customers	3679726	3303727
Receivables under reverse repurchase agreements	245744	172453
Investment securities	1213182	1138524
Current corporate income tax assets	0	5910
Deferred corporate income tax assets	12037	10707
Property and equipment and intangible assets	106871	103897
Right-of-use assets	7418	8405
Insurance contract assets	587	255
Other assets	66046	66811
Total assets	7818451	7081398
LIABILITIES:
Amounts due to banks and other financial institutions	187422	222991
Derivative financial liabilities	1191	783
Current accounts and deposits from customers	6246292	5682169
Debt securities issued	293417	193056
Payables under repurchase agreements	5990	23837
Subordinated debt	12252	12252
Lease liabilities	8111	9216
Insurance contract liabilities	2919	1937
Other liabilities	111085	93844
Total liabilities	6868679	6230085
EQUITY:
Share capital	167878	167878
Share premium	1812	1812
General banking risk reserves	13093	13093
Revaluation reserve	4636	1998
Retained earnings	762353	666532
Total equity	949772	851313
Total equity and liabilities	7818451	7081398

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2025 (in millions of Kazakhstani tenge)	Appendix 1
	As at 30 September 2025	As at 31 December 2024
ASSETS:
Cash and cash equivalents	1712458	1662364
Financial instruments measured at fair value through profit or loss	4187	–
Amounts due from banks and other financial institutions	689533	606882
Derivative financial assets	2135	1463
Loans to customers	3567144	3303727
Receivables under reverse repurchase agreements	198776	172453
Investment securities	1265744	1138524
Current corporate income tax assets	0	5910
Deferred corporate income tax assets	11845	10707
Property and equipment and intangible assets	105882	103897
Right-of-use assets	7751	8405
Insurance contract assets	421	255
Other assets	73498	66811
Total assets	7637374	7081398
LIABILITIES:
Amounts due to banks and other financial institutions	205311	222991
Derivative financial liabilities	1455	783
Current accounts and deposits from customers	6073889	5682169
Debt securities issued	254763	193056
Payables under repurchase agreements	9321	23837
Subordinated debt	12252	12252
Lease liabilities	8367	9216
Insurance contract liabilities	2485	1937
Other liabilities	112506	93844
Total liabilities	6686349	6230085
EQUITY:
Share capital	167878	167878
Share premium	1812	1812
General banking risk reserves	13093	13093
Revaluation reserve	3244	1998
Retained earnings	765998	666532
Total equity	951?025	851313
Total equity and liabilities	7637374	7081398

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT NON-CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 JUNE 2025 (UNAUDITED) (in million KZT)
	June 30, 2025	December 31, 2024
ASSETS:
Cash and cash equivalents	1 436 186	1 662 364
Investment securities measured at fair value, changes in which are recognised in other comprehensive income for the period	997 897	874 997
Investment securities measured at amortized cost	279 729	216 969
Investments in subsidiaries	110 993	94 421
Funds in banks	89 733	103 397
Loans granted to customers and banks	4 072 584	3 882 989
Current income tax assets	10 517	6 922
Property, equipment and intangible assets	79 646	70 355
Other assets	109 624	90 273
TOTAL ASSETS	7 186 909	7 002 687
LIABILITIES:
Funds and loans of banks and financial institutions	311 431	273 060
Financial liabilities measured at fair value, changes in which are recognized in profit or loss for the period	213	1 413
Customer accounts	5 456 436	5 407 027
Debt securities issued	162 245	161 264
Deferred income tax liability	10 231	10 625
Subordinated bonds	39 168	43 046
Other liabilities	505 997	482 315
TOTAL LIABILITIES	6 485 721	6 378 750
EQUITY:
Share capital	63 452	65 842
Provision for changes in the fair value of securities	(32 409)	1 419
Reserve from revaluation of fixed assets	72	72
Retained earnings	670 073	556 604
TOTAL EQUITY	701 188	623 937
TOTAL LIABILITIES AND EQUITY	7 186 909	7 002 687
On behalf of the Group's Management Board: First Vice President, Member of the Management Board _____________ R.B. Tenizov Chief Accountant _______________ A.T. Nurgaliyeva

JOINT STOCK COMPANY “BANK CENTERCREDIT” STATEMENT OF FINANCIAL POSITION AS AT 31 MARCH 2025 (in millions of Kazakhstani tenge)	Appendix 1
	As at 31 March 2025	As at 31 December 2024
ASSETS:
Cash and cash equivalents	1394752	1662364
Financial instruments measured at fair value through profit or loss	0	–
Amounts due from banks and other financial institutions	711221	606882
Derivative financial assets	2960	1463
Loans to customers	3418696	3303727
Receivables under reverse repurchase agreements	120642	172453
Investment securities	1304367	1138524
Current corporate income tax assets	4375	5910
Deferred corporate income tax assets	11163	10707
Property and equipment and intangible assets	103405	103897
Right-of-use assets	8076	8405
Insurance contract assets	293	255
Other assets	86198	66811
Total assets	7166148	7081398
LIABILITIES:
Amounts due to banks and other financial institutions	227858	222991
Derivative financial liabilities	1960	783
Current accounts and deposits from customers	5695644	5682169
Debt securities issued	190292	193056
Payables under repurchase agreements	14739	23837
Subordinated debt	12252	12252
Lease liabilities	8849	9216
Insurance contract liabilities	1917	1937
Other liabilities	114394	93844
Total liabilities	6267905	6230085
EQUITY:
Share capital	167878	167878
Share premium	1812	1812
General banking risk reserves	13093	13093
Revaluation reserve	1770	1998
Retained earnings	713690	666532
Total equity	898243	851313
Total equity and liabilities	7166148	7081398

Chairman of the Management Board	______________________	R.V.R. Vladimirov
Chief Accountant	______________________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2024 (in millions of Kazakhstani tenge)
	31 December 2024	31 December 2023

Cash and cash equivalents	1 653 838	1 350 988
Financial instruments at fair value through profit or loss	-	62
Investment securities measured at fair value through other comprehensive income	874 997	607 760
Investment securities at amortized cost	216 969	74 519
Due from banks	103 397	39 483
Investments in subsidiaries	94 421	63 710
Loans to customers and banks	3 877 264	2 978 506
Current income tax assets	8 626	15 511
Property, plant and equipment and intangible assets	70 355	62 718
Other assets	93 001	57 744
TOTAL ASSETS	6 992 868	5 251 001
LIABILITIES
Due to banks and financial institutions	278 018	169 053
Customer accounts	5 402 070	4 027 671
Debt securities issued	152 740	70 532
Deferred income tax liabilities	15 921	10 921
Subordinated bonds	43 046	58 718
Other liabilities	476 474	500 607
TOTAL LIABILITIES	6 368 269	4 837 502
EQUITY
Share capital	65 842	65 842
Fair value reserve for securities	1 419	(14 549)
Property, plant and equipment revaluation reserve	74	732
Retained earnings	557 264	361 474
TOTAL EQUITY	624 599	413 499
	6 992 868	5 251 001

Chairman of the Management Board	______________	R.V. Vladimirov
Chief Accountant	______________	A.T. Nurgaliyeva

JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2024 (in millions of Kazakhstani tenge)
	30 September 2024	31 December 2023

Cash and cash equivalents	1 100 337	1 350 988
Financial instruments at fair value through profit or loss	148	62
Investment securities measured at fair value through other comprehensive income	790 462	607 760
Investment securities at amortized cost	215 447	74 519
Due from banks	64 651	39 483
Investments in subsidiaries	85 202	63 710
Loans to customers and banks	3 622 755	2 978 506
Current income tax assets	-	15 511
Property, plant and equipment and intangible assets	63 572	62 718
Other assets	79 068	57 744
TOTAL ASSETS	6 021 642	5 251 001
LIABILITIES
Due to banks and financial institutions	220 888	169 053
Customer accounts	4 615 888	4 027 671
Debt securities issued	75 457	70 532
Current income tax liability	2 110	-
Deferred income tax liabilities	10 921	10 921
Subordinated bonds	61 638	58 718
Other liabilities	473 411	500 607
TOTAL LIABILITIES	5 460 313	4 837 502
EQUITY
Share capital	65 842	65 842
Fair value reserve for securities	(5 828)	(14 549)
Property, plant and equipment revaluation reserve	74	732
Retained earnings	501 241	361 474
TOTAL EQUITY	561 329	413 499
	6 021 642	5 251 001

Chairman of the Management Board	______________	R.V. Vladimirov
Chief Accountant	______________	A.T. Nurgaliyeva

Annual Report

2009

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2010

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2011

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2012

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2013

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2014

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2015

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2016

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2017

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2018

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2019

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2020

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2021

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2022

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2023

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2024

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Separate financial statements

2022

2023

2024

2025

2008 Financial Statements

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1Q 2009 Financial Statements

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2Q 2009 Financial Statements

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Financial Statements for 9 months ended 30 September 2009

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2009 Financial Statements

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1Q 2010 Financial Statements

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2Q 2010 Financial Statements

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3Q 2010 Financial Statements

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2010 Financial Statements

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2Q 2011 Financial Statements

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2011 Financial Statements

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2012 Financial Statements

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2013 Financial Statements

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2Q 2014 Financial Statements

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2014 Financial Statements

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2Q 2015 Financial Statements

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2015 Financial Statements

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2Q 2016 Financial Statements

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2016 Independent Auditor's Consolidated Financial Statements

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2017 Independent Auditor's Consolidated Financial Statements

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2Q 2017 Independent Auditor's Consolidated Financial Statements

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6M 2018 Unaudited Consolidated Interim Condensed Financial Statements

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2018 Consolidated Audited Financial Statements

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30 June 2019 Unaudited Consolidated Interim Condensed Financial Statements

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2019 Consolidated Audited Financial Statements

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2020 Consolidated Audited Financial Statements

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2021 Consolidated Audited Financial Statements

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2022 Consolidated Audited Financial Statements

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2022 Independent Auditor's Consolidated Financial Statements

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30 June 2023 Consolidated Interim Condensed Financial Statements

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2023 Consolidated Audited Financial Statements

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Consolidated Interim Condensed Financial Statements for the six months ended 30 June 2024

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Consolidated Financial Statements for the year ended 31 December 2024

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Consolidated Interim Condensed Financial Statements for the six months ended 30 June 2025

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Consolidated Financial Statements for the year ended 31 December 2025

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Other Reports

Prudential Compliance Report

01.01.2026

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2026

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Prudential Compliance Report

01.02.2026

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2026

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Prudential Compliance Report

01.03.2026

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2026

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Prudential Compliance Report

01.04.2026

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2026

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Prudential Compliance Report

01.05.2026

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2026

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Prudential Compliance Report

01.01.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2025

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Prudential Compliance Report

01.02.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2025

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Prudential Compliance Report

01.03.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2025

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Prudential Compliance Report

01.04.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2025

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Prudential Compliance Report

01.05.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2025

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Prudential Compliance Report

01.06.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.06.2025

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Prudential Compliance Report

01.07.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2025

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Prudential Compliance Report

01.08.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2025

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Prudential Compliance Report

01.09.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2025

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Prudential Compliance Report

01.10.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2025

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Prudential Compliance Report

01.11.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2025

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Prudential Compliance Report

01.12.2025

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2025

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Risk and Capital Information for 2024

24.07.2025

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Prudential Compliance Report

01.06.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.06.2024

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Prudential Compliance Report

01.08.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2024

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Prudential Compliance Report

01.09.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2024

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Prudential Compliance Report

01.10.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2024

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Prudential Compliance Report

01.11.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2024

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Prudential Compliance Report

01.12.2024

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2024

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Prudential Compliance Report

01.01.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2023

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Prudential Compliance Report

01.02.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2023

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Prudential Compliance Report

01.03.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2023

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Prudential Compliance Report

01.04.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2023

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Prudential Compliance Report

01.05.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2023

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Prudential Compliance Report

01.06.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.06.2023

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Prudential Compliance Report

01.07.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2023

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Prudential Compliance Report

01.08.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2023

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Prudential Compliance Report

01.09.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2023

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Prudential Compliance Report

01.10.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2023

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Prudential Compliance Report

01.11.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2023

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Prudential Compliance Report

01.12.2023

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2023

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Prudential Compliance Report

01.01.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2022

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Prudential Compliance Report

01.02.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2022

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Prudential Compliance Report

01.03.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2022

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Prudential Compliance Report

01.04.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2022

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Prudential Compliance Report

01.05.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2022

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Prudential Compliance Report

01.06.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.06.2022

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Prudential Compliance Report

01.07.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2022

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Prudential Compliance Report

01.08.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2022

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Prudential Compliance Report

01.10.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2022

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Prudential Compliance Report

01.11.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2022

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Prudential Compliance Report

01.12.2022

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2022

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Prudential Compliance Report

01.01.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2021

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Prudential Compliance Report

01.02.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2021

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Prudential Compliance Report

01.03.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2021

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Prudential Compliance Report

01.04.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2021

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Prudential Compliance Report

01.05.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2021

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Prudential Compliance Report

01.06.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.06.2021

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Prudential Compliance Report

01.07.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2021

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Prudential Compliance Report

01.08.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2021

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Prudential Compliance Report

01.09.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2021

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Prudential Compliance Report

01.10.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2021

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Prudential Compliance Report

01.11.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2021

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Prudential Compliance Report

01.12.2021

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2021

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Prudential Compliance Report

01.01.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2020

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Prudential Compliance Report

01.02.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.02.2020

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Prudential Compliance Report

01.03.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.03.2020

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Prudential Compliance Report

01.04.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2020

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Prudential Compliance Report

01.05.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2020

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Prudential Compliance Report

01.06.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.07.2020

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Prudential Compliance Report

01.08.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2020

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Prudential Compliance Report

01.09.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.09.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2020

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Prudential Compliance Report

01.10.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2020

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Prudential Compliance Report

01.11.2020

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Prudential Compliance Report

01.12.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2020

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Balance Sheet Report of Assets, Liabilities and Equity

01.04.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.05.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.08.2019

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Prudential Compliance Report

01.10.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.10.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2019

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Prudential Compliance Report

01.11.2019

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Prudential Compliance Report

01.12.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.12.2019

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Balance Sheet Report of Assets, Liabilities and Equity

01.01.2017

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Balance Sheet Report of Assets, Liabilities and Equity

01.11.2016

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The Explanatory Note

Separate Financial Statements 2021

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Explanatory Note to Separate Financial Statements 2Q 2022

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Explanatory Note to Separate Financial Statements 3Q 2022

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Joint-Stock Company Bank CenterCredit Unconsolidated Statement of Changes in Equity for 9M ended 30 September 2022 (unaudited)

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Separate Financial Statements 2022

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Explanatory Note to Separate Financial Statements 1Q 2023

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Explanatory Note to Separate Financial Statements 2Q 2023

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Explanatory Note to Separate Financial Statements 3Q 2023

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Explanatory Note to Separate Financial Statements 4Q 2023

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Explanatory Note to Separate Financial Statements 1Q 2024

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Explanatory Note to Separate Financial Statements 1Q 2025

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Explanatory Note to Separate Financial Statements 2Q 2025

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Explanatory Note to Separate Financial Statements 3Q 2025

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Separate Financial Statements 2025

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Explanatory Note to Separate Financial Statements 1Q 2026

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Financial Results

Performance

Annual Report

Separate financial statements

Independent Auditor's Reports

Other Reports

The Explanatory Note