AVANGARD Joint Stock BANK Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2020	FY 2019	2018 - 2014
Period Ending	Jul '22 Jul 7, 2022	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	68,999	-	68,999	68,999	83,525	51,648	Upgrade
Market Cap Growth	-	-	-	-17.39%	61.72%	28.00%	Upgrade
Last Close Price	855.00	-	855.00	855.00	980.50	558.64	Upgrade
PE Ratio	37.18	-	13.69	245.43	26.79	7.23	Upgrade
PS Ratio	4.83	-	5.83	29.50	7.49	3.17	Upgrade
PB Ratio	6.09	-	6.51	4.59	3.34	1.82	Upgrade
P/FCF Ratio	-	-	-	-	-	15.92	Upgrade
P/OCF Ratio	-	-	-	-	-	8.85	Upgrade
Debt / Equity Ratio	0.14	0.14	0.35	0.36	0.25	0.16	Upgrade
Debt / FCF Ratio	-	-	-	-	-	1.36	Upgrade
Net Debt / Equity Ratio	-2.49	-2.49	-5.79	-5.60	-3.43	-2.34	Upgrade
Net Debt / FCF Ratio	-	-	-	-	25.94	-20.51	Upgrade
Return on Equity (ROE)	50.74%	50.74%	39.34%	-	11.68%	26.85%	Upgrade
Return on Assets (ROA)	5.76%	5.76%	4.20%	-	2.47%	5.85%	Upgrade
Earnings Yield	8.07%	-	7.31%	0.41%	3.73%	13.83%	Upgrade
FCF Yield	-	-	-	-	-3.96%	6.28%	Upgrade
Dividend Yield	11.59%	-	-	-	-	9.98%	Upgrade
Payout Ratio	-	-	-	-	208.46%	63.00%	Upgrade
Buyback Yield / Dilution	-200.00%	-200.00%	-	-	-	-	Upgrade
Total Shareholder Return	-188.41%	-200.00%	-	-	-	9.98%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.