瑞丰银行(601528)_公司公告_瑞丰银行：2025年度财务报表及审计报告_公司公告

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????	3-10?	0%-5%	9.50% -33.33%
????	4 -5?	3%-5%	19.00% -24.25%
??	3 -20?	0%-5%	4.75% -33.33%

???????????д????ф?????澝??????????????澞

(3)???ф??

????????????????????澝18澞

????????

(???????????Оы????)

?30?

(4)???ф??

???ф??????Ф▲??????е??????-???ф?й?????-????ф???????????ф?????澞????????ф???ф????О?????????????Ф??????й?????????И??澞15????

????????ф??????????澝??ы?澝?????????????????ф??????????????????澞????????фй???????????????ф????й???????????澞????????????(?????澝18) ??ф??????澞16???ф

???ф????????(ю?й??????????ф) ?????(?????澝18)???ф??????澞?й??????????ф????????ф????????????????????????????????????????ф?????????澞??????????????????????澞?й?????????????????????????5???澞???????????д???????????ф??????????????澞????????????????????ф?О???????????ф????????ф?е??澞???ф?????????????????????ф澞

????????(???????????Оы????)

?31?

17??????

????????????▲??????????О??????澞?????????????????????ф??????澞????????????????澞18??壝?ф?????ф??

?????ф???????????????????ф?????????????-???ф-????-????ф-???ф-??????-??????-??壝?ф????ф?????????????ф??????????ф??????澞????????ф(??ф?澝?ф??????) ?????(?????澝19) ????????????ф???????????Д?Ф????澞?ф????????????ф????????????ф????ф???????????й???ф???ф?澞?ф???????????????ф???????И???????ф???????????????????????????????????澞??????????????ф???????й????????ф??????????????????????О?ф????????????????????ф????澞??ф????ф???????????????????ф????ф???И????????????ф????ф???И???Ф???????ф????????????????????ф?????????????ф????????й??ф???????????????(?????)澝??ф???????????(?????) ????ФИ???澞?ф????▲???????????????澞

????????(???????????Оы????)

?32?

19???????

??????????????????????????????????????????с?И???▲??ф????????▲??????????澞??????????????????????????ф?????????????(???ф???????澝??ф??????????)??????????????????????????????????澞???????П??????澝???????澞20?????????

?????????с??з??????У?????????????з????????е????????с???з??????У?????У???????????????????У????????????澞??????У??????ю????????澝?????з?И??????澞?????з????У??????????У????У?????????????????????????????????????????????澞????????????У?????????????????澞?й?????????????????????????????????澞?????????????????д???з??????澝??????????????澞??????▲З????????????????????????????????????И??????????????????????????-??з????З???????????????澞-??з????З?????????????????????澞?????ф???????????????????????????????????????澞

????????(???????????Оы????)

?33?

21??

(1)????

?й???????????壝?ф??????????????????????壝?ф????????????澞????????壝???????????????????????????壝?ф??????壝?????????澞????????????壝???????(???????) ????????й??????????????с??????????????澞??????壝?ф????Ы????????????????О?????????????-?й???????????????壝?ф????????????壝?ф????

??????????????????????-?й?????????????澝???????О?????????壝?ф???

??壝?ф?????(????????????????Ф????) ???????

???????澞???壝???????????????????????????

???▲??????????????Ф?????▲з????????????Ы

???壝?ф?????????????澞

(2)????????

??????????????????????澞??????????????д??И???У??????????????????????????澞??????Ф▲??????й??▲???????У??????й??▲??????У??-???????????????????????????????-?????????????И??????-???????И?ф???????????????????З?????????

??я????????????澞

(3)????

?????????й??????????????????И??澞

????????

(???????????Оы????)

?34?

22??

(1)????

?壝?????????壝??????澝??????????????????????е???澞

(2)????

??????????????澞23??圈懙

(1)??圈懙

??????????????????????????????????????澝?

?澝??????????????????????????О????????????

??ф??澞

(2)?????-??????

????????????????

????????????????И????????????????????????

????????И???????澞???????儋???????????????

?澞??????????????????儋??????О?????????????

?ф??澞

(3)????

????????????Ф??????????????О?????????????

?е?????????Д?ㄝ?????????ф??????????????

-??????????????????????????????????

-??????澝???????????????????????????????????????????д????П???????????д???????????????澞

????????(???????????Оы????)

?35?

24????

????????????????????ф??????ф??????????????????????澞?????????????????????????е???澞????О????ф??????????????澞????О?????ф??????????澞??????澝?й?????????????ф??????О??ф???????澞????????ф??Ф?????????О??????????澞??ф???????????????О??????????ф?????????澝???????????????????澞??????????????й????????????????????????????О???????????????????????????????????????????????????澞25???

????????????????(????????) ?с???з?ф????????????????????????????澞???????????????????????????????с??????????????????澞?ф???????????????????????????????????ф澝??????????Т??????ф?????????????????澞??????ф???????????????????????????????澞????????ф??????????????Ф??????????????????????????澞??????ф????????????????????????????О?澞????с????????с????????????Э?????????(??????)????????ф???????ф????????????????????????с?Иф?????????ф??????澞???????????????Э?ф?????????澞

????????(???????????Оы????)

?36?

?ф????????????????ф?????????????????????????????????ф??????????????????????ф????????澞?ф???????????????ф?????????澞????????????????????????????????ф?????????????ф?????澞??????????????????????е???澞?ф???????????ф????????????????????????????-??П??????????????ф??????????????-??????ф???????????▲????????▲??П??????????????????П?????????▲????????????ф???????????????П??????????????ф??????????ф澝????澞26??

????????????????О????????澞????И▲???д?▲??????▲????????ф???????????????О????????澞О????????д?▲??????????ф????????????????-??????????ф???澞????ф????????????ф????????????????ф?????????????ф????ф????????????????????д??ф???ф??????????????ф?ф???Ч??????澞???ф??????З?????????ф???????????ф??й????ф?-??ы???????????????????ф?ф???Ч???????-??ы??????????П?????ф???澞??И??????????????ы???ы???е???????????????????澞??И????????????????ы???ы?????????????澞????????О??ы????????????????????????????????????????????????????О??澞

????????(???????????Оы????)

?37?

(1)????О??ы

????????????????????ф?????澞????ф????????????????????????澝????????Ф?????????(???ц??????????)????????????О????????ф澝?????ф?????????ф???????????????????澞?????????????ф????澞??????????????????ф????????????ф???????????澞??????ф????????ф??????Д?ㄝ?????????澞????ф????澝18?????????????澞???????????????????????????????????О??????澞????????????????????????О???澞????????????????????????????????????????????ф??澞?????????????????????????????????ф??澞?????????????????????????????????????????-??????????????????-?й??????????????????-?????б???澝?????????????????????????????

??????????????????????▲?澞?????????????????????????ф?????澞????ф????????????????ё??▲???????????????????澞???????????(??????12З????) ?????ф??(?????фО???ф?????) ???????ф??????????????????????З?????????????????ф??澞

(2)????О??ы

??????????????О壝????????澞壝??????????????????????д????ф???????Ч??????懙???澞???????壝??????????澞

????????(???????????Оы????)

?38?

????О????ы???й???ф??????ф???????????ф?????????澞?????О??????????????????????????????????????О????澞壝?????????????????壝???????壝??????????壝????ф澞??????壝????????????????????О??壝?????????澞??????О???????????????????????????????????Ф?澞???????????????????????З???????澞???????????????????????????????澞?????????????????????О????澞??????????????????????е?????????????????????????????????????澞????????????????????????????澞27????

????????И?О?????ы澝??ы???ы澞?????ф???????????????????ф???????с????ф???????ф???????????澞??????????帡???????????????(???????帡????)??????????????????帡?(???????帡??)澞?й?????????帡??????帡????????懙?????帡????帡?????????О?ф??????????????п??帡?????????澞????????????????????Зы?????ы???О??ы澝??ы???????????????ф澞?????????ы????????????????????ф????????懙澞????????ф???????ф???И??澞28????

?ф??????????????????И??????????О?ф???????????И????澞

????????(???????????Оы????)

?39?

29???

▲???澝?????▲????▲??????????Д??Д?????▲???澝???????????澞????ОЗы???澞юю???????????????????????????澞?????????????澦????????????澧????????????澞????????澦????????с?????澧?澦????????????澧????????????澞30????

??????????澝????澝??????О????????澞??ДЗ??З???????????????????ф???????澝??ф?????????澝ф?????????澝??ф???????澝??ф????????????????????????????????О▲З????澞????????О????????????????澞???????????????с??????с???О????澞????????????????????????????????▲?澞31П????????

?????????????????????????п????????????????ф澝??澝????????ф???澞????????п????澞???????????????????????????????????????????????????е???澞?????????????И???????????з????????????????澞?????ф?????П??????з?????????П?????????З??????ф?????????????澞?????????

?й????????????????????????????????????????????帡??????????????И??д???????????澞?п???????????????????????О(????????????????)澞???澝1????И????д????????И?????澝???????澞

????????(???????????Оы????)

?40?

????П???????????????????З????澝??ф?澝?ф?????????澞???????????П?????????????П???ы????ы?????????????ц????????П????????(??????ф???????????) ????????П???????澞?????????????????????????????ы????О?????澞?????ц??????О??ы????????????????П???????澝3澞???

???????пс??????????????????澞????????????崤???с??????????????????澞??????ф?????????????????????????????????澞??????пс????????????????????????????????????????ф???????????澞?壝???????

?й?Ш??????壝???????????????????澞???????????И????????б??????П?Ф?????с?????с??????????▲???壝??????????????????????????????澞??????????????????????????????????????????????И???????????????澞32П?????澝???????

(1)П???????

???2025?????????????2024????????????▲?澞

????????(???????????Оы????)

?41?

(2)П???????

???й2025???????????????澞???

П??????

?????????П???澝?????????????

??????

?????

???	????????????О?????????????????????????????О?с???

6%澝9%澝

	13%
??????????????????Ы??????

3%澝

		5%
???????	???儋???????	7%
?????	???儋???????	3%
??????	???儋???????	2%
?????	?????????	25%

????????澦?й??????????????????????????????

?澧?澦??????????й?▲?????????????壝????????澧(?

?澰2016澱46????46???) И??????????????澞???ы??????

???????????????????????????壝???????й46???

?????????????????儋???????澞???2025?4?1????ц

??????????澞

????????(???????????Оы????)

?42?

м????П?????1?????И?????

??????

31	2024?12?31?

??	359,458	271,244	342,664	251,894
	-----------------	-----------------	-----------------	-----------------
??И?????
-

???????

	(1)	8,863,791	8,136,061	8,622,778	7,926,406
-

???????

	(2)	1,955,995	1,321,364	1,872,642	1,247,500
-

?????

(3)

10,563

31,568

10,563

31,568

??	10,830,349	9,488,993	10,505,983	9,205,474
	-----------------	-----------------	-----------------	-----------------
??????	4,304	4,025	4,183	3,919
	-----------------	-----------------	-----------------	-----------------
??	11,194,111	9,764,262	10,852,830	9,461,287

(1)???????И?ы????????????澞?п??????????й?????

????????澞й?ф???????????????儋???О?

2025?12?31?

ы????儋???		5.00%	5.00%
????儋???		4.00%	4.00%

???????ы???????儋????И?ы?????????澞

(2)???????О??йИ?ы??????????????澞

(3)?????????й???????????йИ?ы?????????????й??

???????????澞

????????(???????????Оы????)

?43?

2????????壝????

(1)????????????

?????

И???

	4,473,290	4,053,865	4,352,283	3,964,723
-

???壝??

83,735

28,591

83,723

28,589

И???

85,347

79,247

85,347

79,247

??	4,642,372	4,161,703	4,521,353	4,072,559
	-----------------	-----------------	-----------------	-----------------
??????	2,565	2,574	2,561	2,574
??????(

??м澝

14)	2,717	2,755	2,647	2,706
	-----------------	-----------------	-----------------	-----------------
??	4,642,220	4,161,522	4,521,267	4,072,427

(2)й?ф???????????????????壝?????????О??▲?????

12З?????????????????澞???????????????????壝???????????????????Ф????澞

????????(???????????Оы????)

?44?

3????

(1)????????????

??????

31?

		31?
И???
-

	300,000	300,000
-

???壝??

4,900,000

1,744,000

5,200,000

2,044,000

??????

??????	43,085	7,741
??????(

??м澝

14)

5,309

1,273

5,237,776

2,050,468

(2)й?ф????????????????????О??▲?????12З??????

???????????澞??????????????????????????????Ф????澞

????????(???????????Оы????)

?45?

4???壝??

??????П???ф???????О??????????????????????壝??澞????????????壝?????澝?У?????????????澞???壝?????澝?У??юО???????ф????????????????????????????????????????Э?????????Л??????????澞??????壝?????????????澝?????????????????壝??????????????ф???(?ф) ???(??) ?????п???????????????澞??????

2025?12?31?			2024?12?31?
?У??	????		?У??	????
	?ф	??		?ф	??

??????

??????	19,858,019	29,731	9,987	7,529,494	27,621	48,074
??????	4,130,328	20,033	5,501	718,840	-	-

23,988,347

49,764

15,488

8,248,334

27,621

48,074

????????(???????????Оы????)

?46?

5б????壝?ф

(1)?????????

??????

31?

682,600

??????

??????	52	-
??????(

??м澝

14)

158

682,494

(2)й?ф???????????б????壝?ф?????О??▲?????12З??

???????????????澞???????????б????壝?ф???????????????Ф????澞

????????(???????????Оы????)

?47?

6??帡????

(1)??帡?????ф???????

	???		??
?	2025?12?31?	2024?12?31?	2025?12?31?	2024?12?31?

???????

??帡????

帡?

	(a)	72,703,286	64,922,419	71,264,155	63,650,656
-

帢?壝?

21,952

29,152

21,952

29,152

??	72,725,238	64,951,571	71,286,107	63,679,808
	---------------	---------------	---------------	---------------
Зы帡????
-

???帡?

		36,835,952	34,984,048	34,264,746	32,627,361
-

????帡?

		8,461,265	9,722,629	8,461,265	9,722,629
-

???帡?

		11,534,552	10,114,880	11,396,849	9,988,213
-

???

731,346

1,106,796

731,346

1,106,796

??	57,563,115	55,928,353	54,854,206	53,444,999
	---------------	---------------	---------------	---------------
??????	153,401	153,277	146,046	146,295
	---------------	---------------	---------------	---------------
??????????帡??????	130,441,754	121,033,201	126,286,359	117,271,102
	---------------	---------------	---------------	---------------
????????????帡????????(??м澝14)	4,545,350	4,012,385	4,433,333	3,914,583
	---------------	---------------	---------------	---------------
??????????帡????

????

	125,896,404	117,020,816	121,853,026	113,356,519
	---------------	---------------	---------------	---------------
?

???????????????????

??帡????

????

		8,638,099	9,509,770	8,638,099	9,509,770
-

帢?壝?

2,279,435

569,934

2,279,435

569,934

????????????????

??????帡????????

????????????????	10,917,534	10,079,704	10,917,534	10,079,704
	---------------	---------------	---------------	---------------
??	136,813,938	127,100,520	132,770,560	123,436,223

(a)й?ф???????帡????И????й?????????????м澝43澞

????????(???????????Оы????)

?48?

(2)??帡???????????

???
2025?12?31?		2024?12?31?		2025?12?31?		2024?12?31?
帡???	??(%)	帡???	??(%)	帡???	??(%)	帡???	??(%)

???

???	28,216,730	19.99%	26,047,596	19.88%	27,169,822	19.82%	25,101,391	19.74%
??????	18,522,155	13.12%	16,278,763	12.42%	18,381,711	13.41%	16,156,830	12.71%
????????	7,881,461	5.58%	5,962,317	4.55%	7,870,461	5.74%	5,952,817	4.68%
???	5,261,313	3.73%	5,939,646	4.54%	5,167,626	3.77%	5,857,735	4.60%
??澝??????????	2,599,226	1.84%	3,427,950	2.62%	2,599,226	1.90%	3,423,050	2.69%
??ф?	2,952,439	2.09%	2,327,105	1.78%	2,952,439	2.15%	2,327,105	1.83%
??????????	2,727,254	1.93%	1,294,141	0.99%	2,690,798	1.96%	1,277,908	1.00%
??澝??????ф?

???

	1,232,807	0.87%	975,891	0.75%	1,227,007	0.90%	970,741	0.76%
?澝?澝?澝??	765,137	0.54%	809,732	0.62%	716,647	0.52%	769,192	0.60%
????澝???????

???

	626,773	0.44%	602,122	0.46%	624,273	0.46%	601,439	0.47%
????	1,917,991	1.35%	1,257,156	0.96%	1,864,145	1.37%	1,212,448	0.95%

??	72,703,286	51.48%	64,922,419	49.57%	71,264,155	52.00%	63,650,656	50.03%
????	8,638,099	6.12%	9,509,770	7.26%	8,638,099	6.30%	9,509,770	7.48%
帢?壝?	2,301,387	1.63%	599,086	0.46%	2,301,387	1.68%	599,086	0.47%
Зы

帡????

57,563,115

40.77%

55,928,353

42.71%

54,854,206

40.02%

53,444,999

42.02%

??	141,205,887	100.00%	130,959,628	100.00%	137,057,847	100.00%	127,204,511	100.00%
	-----------------		-----------------		-----------------		-----------------
??????	153,401		153,277		146,046		146,295
??????(

??м澝

14)	4,545,350	4,012,385	4,433,333	3,914,583
	-----------------	-----------------	-----------------	-----------------
????	136,813,938	127,100,520	132,770,560	123,436,223

????????(???????????Оы????)

?49?

(3)??帡???????????

???

2024

帡???

??(%)

帡???

??(%)

????

????	126,396,473	89.51%	117,181,292	89.48%
??

14,809,414

10.49%

13,778,336

10.52%

??	141,205,887	100.00%	130,959,628	100.00%
	------------------		------------------
??????	153,401		153,277
??????(

??м澝

14)	4,545,350	4,012,385
	------------------	------------------
????	136,813,938	127,100,520

2025?12?31?

2024

帡???

??(%)

帡???

??(%)

????

????	122,248,433	89.19%	113,426,175	89.17%
????	14,809,414	10.81%	13,778,336	10.83%

??	137,057,847	100.00%	127,204,511	100.00%
	------------------		------------------
??????	146,046		146,295
??????(

??м澝

14)	4,433,333	3,914,583
	------------------	------------------
????	132,770,560	123,436,223

????????(???????????Оы????)

?50?

(4)??帡?????????????

???
2025

12?31?

2024

12?31?

2025?12?31?

2024

12?31???帡?

??帡?	21,814,535	23,935,792	20,441,101	22,847,707
??帡?	33,529,339	25,969,622	31,713,119	24,321,372
??帡?	76,301,684	70,335,522	75,343,458	69,321,156
??帡?	9,560,329	10,718,692	9,560,169	10,714,276

??	141,205,887	130,959,628	137,057,847	127,204,511
	-----------------	-----------------	-----------------	-----------------
??????	153,401	153,277	146,046	146,295
??????(

??м澝

14)	4,545,350	4,012,385	4,433,333	3,914,583
	-----------------	-----------------	-----------------	-----------------
????	136,813,938	127,100,520	132,770,560	123,436,223

(5)???帡?(??????) ???????

???

2025?12?31?
??

3З???

(?3З?)

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(?1?)

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3???

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??帡?	120,226	132,225	117,689	57,660	427,800
??帡?	202,631	171,451	152,386	86,096	612,564
??帡?	1,305,222	290,896	152,188	40,815	1,789,121
??帡?	1,593	-	5,427	-	7,020

1,629,672

594,572

427,690

184,571

2,836,505

????????(???????????Оы????)

?51?

2024?12?31?
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3З???

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??帡?	123,381	88,905	138,293	48,130	398,709
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??帡?	999,987	200,486	129,195	58,314	1,387,982
??帡?	-	2,720	2,707	9,945	15,372

1,256,135

406,813

358,057

187,847

2,208,852

???3З???

31
(

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??3З??1?(?1?)

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??帡?	120,223	125,394	117,079	57,656	420,352
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??帡?	1,305,222	282,042	150,228	40,815	1,778,307
??帡?	1,593	-	5,427	-	7,020

1,628,534

561,438

424,514

184,533

2,799,019

2024

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31
(

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??3З??1?(?1?)

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)

??3???

??帡?	123,271	86,452	138,041	48,125	395,889
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??帡?	999,237	194,819	128,253	58,314	1,380,623
??帡?	-	2,720	2,707	9,945	15,372

1,251,205

392,073

350,728

187,808

2,181,814

???帡???????????????1?????帡?澞

????????(???????????Оы????)

?52?

(6)帡????????

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	124,929,186	3,779,725	1,732,843	130,441,754

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??м澝

14)

1,708,750

1,373,676

1,462,924

4,545,350

????

123,220,436

2,406,049

269,919

125,896,404

?????????????

???????

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??м澝

14)

21,731

2024

31
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	117,365,256	2,393,598	1,274,347	121,033,201
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????

115,295,227

1,469,508

256,081

117,020,816

?????????????

???????????

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	10,079,704	-	-	10,079,704

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??м澝

14)

48,050

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(???????????Оы????)

?53?

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2025?12?31?????????

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	120,877,827	3,715,168	1,693,364	126,286,359

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??м澝

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1,651,869

1,356,175

1,425,289

4,433,333

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119,225,958

2,358,993

268,075

121,853,026

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??м澝

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21,731

2024

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	113,681,119	2,347,607	1,242,376	117,271,102

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1,996,447

911,903

1,006,233

3,914,583

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111,684,672

1,435,704

236,143

113,356,519

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(???????????Оы????)

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(7)帡????????????

(a)????????帡???????????

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20252025

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??м澝

38)	(388,120)	548,070	829,621	989,571
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157,929

2025

1,708,750

1,373,676

1,462,924

4,545,350

2024

??▲???и????????

20242024?1?1?

2024?1?1?	1,456,876	916,662	958,888	3,332,426
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-	84,846	(83,730)	(1,116)	-
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	(17,505)	17,863	(358)	-
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	(666)	(145,181)	145,847	-
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2024

2,070,029

924,090

1,018,266

4,012,385

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?55?

??▲???и????????

20252025

1	1,996,447	911,903	1,006,233	3,914,583
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-	65,346	(63,686)	(1,660)	-
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155,702

2025

1,651,869

1,356,175

1,425,289

4,433,333

2024

??▲???и??????

2024
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2024

1	1,396,698	901,139	947,430	3,245,267
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-	82,051	(80,935)	(1,116)	-
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	(17,316)	17,674	(358)	-
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??м澝

38)	535,372	218,840	290,904	1,045,116
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114,752

2024

1,996,447

911,903

1,006,233

3,914,583

(b)????????????????????帡???????????

й?ф???????????????????????????????帡?????????О??▲?????12З?????????????????澞???????????????????????????????帡???????????????????Ф????澞

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(???????????Оы????)

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2025?12?31?

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??????	(3)	31,232,373	35,949,934	31,232,373	35,949,934
????????	(4)	100,440	100,000	100,440	100,000

78,301,847

74,091,098

76,423,473

73,065,181

(1)с???壝?ф

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??????	(a)	6,580,329	4,429,032	1,420,754	-
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????ф????	(b)	-	50,500	632,349	674,600
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(a)й?ф?????с???壝?фИ?????????й?????????????

м澝43澞(b)??????????澝3?????У?????????澞

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43澞

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	14)	384,938	358,747	384,938	358,747
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????????(???????????Оы????)

?58?

(b)?????????????????

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2025?12?31??▲???и????????

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12,771

372,167

384,938

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34,970,803

163,404

35,134,207

2024?12?31?

?▲???и????????

2024?12?31?????

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??м澝

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23,255

335,492

358,747

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28,190,255

367,757

28,558,012

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2025?12?31?????

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12,771

372,167

384,938

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34,296,630

163,404

34,460,034

2024?12?31?

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2024?12?31?????

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??м澝

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23,255

335,492

358,747

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27,595,085

367,757

27,962,842

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(???????????Оы????)

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20252025?1?1?

2025?1?1?	23,255	-	335,492	358,747
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2025

12,771

372,167

384,938

2024

??▲???и????????

20242024

1	23,593	1,270	570,412	595,275
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(311,973)

2024

23,255

335,492

358,747

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31	2024?12?31?

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-		25,238,067	29,983,043
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4,132,311

5,558,524

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31	2024?12?31?

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191,969

1,244,897

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?61?

(c)???????????????????

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27,989

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21,579

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2025?12?31?

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5

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2025?12?31?

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1,017,281

1,207,808

1,116,841

(1)???????

2025
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99,560

2024

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2024???Й????

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99,560

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495,472

102,915

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7,519

566,939

1,017,281

164,748

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15,753

1,108,248

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723,242

85,199

69,487

111,002

41,309

12,958

1,017,281

2024?6????????????????呐?????2.58%????????????7.58%澞????????????????澝2澞

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6,459

10,536

339

3,238

20,572

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11,803

8,150

395

1,253

21,601

2025?12?31?

2025?12?31?	1,830,041	148,118	5,900	50,412	2,034,471
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579,877

130,787

5,408

39,268

755,340

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71,416

6,763

6,133

84,339

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7,053

8,122

383

1,234

16,792

2025?12?31?

2025?12?31?	644,240	129,428	5,052	44,167	822,887
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1,185,801

18,690

848

6,245

1,211,584

2025

1,255,508

14,945

548

9,159

1,280,160

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2024

1,819,137

146,900

5,956

49,600

2,021,593

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6,965

4,318

3,553

14,836

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9,283

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5,486

4,726

10,212

2024?12?31?

2024?12?31?	1,835,385	145,732	5,956	48,427	2,035,500
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2024

509,911

127,909

5,207

40,462

683,489

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69,966

7,734

201

3,009

80,910

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4,856

4,203

9,059

2024

31	579,877	130,787	5,408	39,268	755,340
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2024?12?31?	1,255,508	14,945	548	9,159	1,280,160

2024?1?1?

1,309,226

18,991

749

9,138

1,338,104

(1)й2025?12?31??????й???????????????????Оы??

111,122??(2024?12?31??ы??78,599??)澞

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10????ф

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2025

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48,6662025

31		160,600
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81,782

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31,431

47,590

2025?12?31?

2025?12?31?		65,623
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94,977

2025

81,639

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2024

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2024

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72,559

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2024

31		81,782
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81,639

2024?1?1?

73,340

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11???ф

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2025?1?1?	162,291	9,602	104	171,997

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2025

31	162,291	9,602	104	171,997
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2025

50,972

3,964

104

55,040

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4,272

293

4,565

2025

31	55,244	4257	104	59,605
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2025

107,047

5,345

112,392

2025

111,319

5,638

116,957

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2024

162,291

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2024?12?31?

2024?12?31?	162,291	9,602	104	171,997
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2024?1?1?	46,700	3,671	104	50,475

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4,272

293

4,565

2024

31	50,972	3,964	104	55,040
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2024

111,319

5,638

116,957

2024

115,591

5,931

121,522

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2024

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2025?12?31?

2024

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31	2025?12?31?

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264,473

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264,473

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1,003,834

627,284

970,504

599,178

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184,077

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		48,050	(26,319)	-	-	21,731
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м澝

	7
-

????

		358,747	26,125	-	66	384,938
-

??????

		21,579	6,410	-	-	27,989
???ф	м澝13	16,654	(2,958)	-	-	13,696
???????帡???	м澝23	47,069	(3,949)	-	-	43,120

4,508,512

993,036

(614,535)

157,995

5,045,008

2024?1?1?

??(

)/ ??

???????

31?

????????壝

????м澝

????????壝	2	4,853	(2,098)	-	-	2,755
????

м澝

	3	2,744	(1,471)	-	-	1,273
б????壝?ф

м澝

	5	137	(137)	-	-	-
??帡????

м澝

	6
-

???????

		3,332,426	1,068,368	(504,270)	115,861	4,012,385
-

??????????

?????????

		22,954	25,096	-	-	48,050
?壝??

м澝

	7
-

????

		595,275	75,445	(311,973)	-	358,747
-

??????

		71,646	(50,067)	-	-	21,579
???ф	м澝13	1,489	15,165	-	-	16,654
???????帡???	м澝23	23,893	23,176	-	-	47,069

4,055,417

1,153,477

(816,243)

115,861

4,508,512

????????(???????????Оы????)

?75?

2025?1?1?

??(

)/ ??

???????

31?

????????壝

????м澝

????????壝	2	2,706	(59)	-	-	2,647
????	м澝3	1,273	4,036	-	-	5,309
б????壝?ф

м澝

	5	-	158	-	-	158
??帡????	м澝6
-

???????

		3,914,583	962,659	(599,611)	155,702	4,433,333
-

??????????

?????????

		48,050	(26,319)	-	-	21,731
?壝??

м澝

	7
-

????

		358,747	26,125	-	66	384,938
-

??????

		21,579	6,410	-	-	27,989
???ф		16,654	(2,958)	-	-	13,696
???????帡???	м澝23	47,069	(3,949)	-	-	43,120

4,410,661

966,103

(599,611)

155,768

4,932,921

??(

)/ ??

???????

31?

????????壝

????м澝

????????壝	2	4,866	(2,160)	-	-	2,706
????

м澝

	3	2,744	(1,471)	-	-	1,273
б????壝?ф

м澝

	5	137	(137)	-	-	-
??帡????

м澝

	6
-

???????

		3,245,267	1,045,116	(490,552)	114,752	3,914,583
-

??????????

?????????

		22,954	25,096	-	-	48,050
?壝??

м澝

	7
-

????

		595,275	75,445	(311,973)	-	358,747
-

??????

		71,646	(50,067)	-	-	21,579
???ф		1,489	15,165	-	-	16,654
???????帡???	м澝23	23,893	23,176	-	-	47,069

3,968,271

1,130,163

(802,525)

114,752

4,410,661

???????????????????????帡????澝???????????????帡????????壝?ф???????ф???И?О???壝?ф?????????????澞

????????(???????????Оы????)

?76?

15?И?????

??????
5?12

31?

4?12

31??И?????

?И?????	12,120,000	11,020,000
??????	5,921	5,893

12,125,921

11,025,893

16??????壝??????

????????????

?????

2024?12?31?

2025?12

2024?12

И???

233,533

249,554

1,262,655

1,060,407

??????

658

665

233,585

249,631

1,263,313

1,061,072

????????

(???????????Оы????)

?77?

17????

?с????????????

??????

И???

1,800,000

1,700,000

??????

1,027

917

1,801,027

1,700,917

18с???壝??

???????

??????

31?

2024?12?31?

2025?12

2024?12

????

????		279,085	481,899	279,085	481,899
??????????П?И

??????ы?????

(1)

216,285

19,728

495,370

501,627

279,085

481,899

(1)??????????????????с???壝?ф???П?И??????ы???

?????О???????????????????壝??澞

????????(???????????Оы????)

?78?

19?????壝?ф?

????????

???
5

31	2025?12?31?

??????

??????	15,039,386	12,797,876	13,429,391	11,783,850
??????	1,762,022	264,363	1,762,022	264,363

??	16,801,408	13,062,239	15,191,413	12,048,213
	-----------------	-----------------	-----------------	-----------------
??????	3,074	3,115	2,678	2,820
	-----------------	-----------------	-----------------	-----------------
??	16,804,482	13,065,354	15,194,091	12,051,033

20????

?????

????

		22,888,409	29,331,992	22,734,604	29,197,425
-Зы??		16,515,082	17,665,659	16,363,692	17,508,065

??	39,403,491	46,997,651	39,098,296	46,705,490
	-----------------	-----------------	-----------------	-----------------
????
-

????

		18,932,868	11,433,774	18,818,346	11,410,775
-

Зы??

109,315,593

96,568,184

104,884,178

92,643,246

??	128,248,461	108,001,958	123,702,524	104,054,021
	-----------------	-----------------	-----------------	-----------------
????	10,447,141	7,691,909	10,434,082	7,679,447
	-----------------	-----------------	-----------------	-----------------
??????	3,539,096	3,499,947	3,399,333	3,353,398
	-----------------	-----------------	-----------------	-----------------
??	181,638,189	166,191,465	176,634,235	161,792,356

????????(???????????Оы????)

?79?

????И?????????

?????

2025?12?31?

2024?12

???????

???????	9,236,176	7,125,309	9,223,477	7,113,209
??????	270,855	112,608	270,855	112,608
?????	337,817	361,485	337,817	361,485

9,844,848

7,599,402

9,832,149

7,587,302

21????圈懙

???

?????

????

		31
??

圈懙???澝??澝?????

155,519

532,786

481,086

207,219

?????

84,178

?????

-		608	31,006	30,589	1,025
-

?????

1,035

1,002

?????

33,672

33,472

282

???????????

		960	11,204	10,302	1,862
?????-

??????????????

3,337

58,171

58,460

3,048

?????

186

1,858

1,830

214

????儋?

	60,000	66,717	81,217	45,500
????	42,314	28,081	21,617	48,778
▲?????????	-	4	4	-

263,009

848,712

803,757

307,964

????????

(???????????Оы????)

?80?

????????

2024?1?1?

024

??澝??澝?????

??圈懙?
		116,240	543,937	504,658	155,519

?????

84,197

?????

-		465	25,662	25,519	608
-

?????

1,170

1,169

?????

33,943

33,896

???????????

		2,060	12,766	13,866	960
?????-

??????????????

2,412

60,011

59,086

3,337

?????

152

2,066

2,032

186

????儋?

	65,027	60,407	65,434	60,000
????	45,422	16,375	19,483	42,314
▲?????????	-	129	129	-

231,815

840,663

809,469

263,009

22?с??

?????

2024?12?31?

2025?12

2024?12

???

???	44,784	35,298	44,394	34,970
?????	8,179	31,282	-	23,858
???????	4,562	5,062	4,537	5,038
????????????	3,555	4,305	3,537	4,288
????	17,722	16,948	16,842	16,911

78,802

92,895

69,310

85,065

????????(???????????Оы????)

?81?

23????

??????
5

???????帡???????????

43,120

47,069

??????????????????

2025
?▲??

?и????????

1	47,069	-	-	47,069
???
-

??▲??

	-	-	-	-
-

??и??

	-	-	-	-
-

?????

	-	-	-	-
?

) /

??м澝

38)

(4,050)

(3,949)

2025

43,019

43,120

2024

??▲???и????????

20242024

1	23,893	-	-	23,893
???
-

??▲??

	-	-	-	-
-

??и??

	-	-	-	-
-

?????

	-	-	-	-
????(

??м澝

38)

23,176

2024?12?31?

47,069

????????(???????????Оы????)

?82?

24????

????????????

???????

?????壝?-2022	(1)	-	3,000,000
?????-2025

	(2)	300,000	-
???壝?-2025

	(3)	1,000,000	-
???壝?-2025

	(4)	700,000	-
????	(5)	4,431,719	4,308,552

6,431,719

7,308,552

??????

13,007

25,025

6,444,726

7,333,577

(1)й2022?9?28??????????????????д??????????壝???

??Оы??30ь??????О2.73%?????▲?澞????й2025?9?28?????澞

(2)й2025?7?24??????????????????дм????????????О

ы??3ь??????О1.77%?????▲?澞

(3)й2025?9?25??????????????????д???????壝?????

Оы??10ь??????О1.90%?????▲?澞

(4)й2025?11?13??????????????????д???????壝?????

Оы??7ь??????О1.89%?????▲?澞

(5)й2025?12?31??????????????????????????????12

??????О3З?(й2024?12?31??????????????????????????????13??????О3З?)澞

????????(???????????Оы????)

?83?

25????

й?ф?????????????????????????????

31?

1???(?1?)

1???(?1?)		32,419	30,793
1

(

)	23,266	18,370
2??3?(?3?)	17,202	13,291
3

(

)		11,918	14,985
5???		1,897	4,719

?????????

?????????		86,702	82,158
?????壝???		3,205	4,063

????????

83,497

78,095

????????

(???????????Оы????)

?84?

26????

???

????????		1,167,041	256,051
???П?????????

???

	(1)	83,050	1,723
????		68,285	199,011
?????		42,090	41,519
?????		34,428	32,000
????		26,693	137,893
??		36,927	10,902

1,458,514

679,099

(1)??????????澝3?????У???????????И??????ы????

??澞

????????(???????????Оы????)

?85?

27??

??????

)

1,962,161

28????

???

????

????		1,096,644	-	-	1,096,644
??????		252,332	-	-	252,332

1,348,976

????

????		1,096,644	-	-	1,096,644
??????		252,332	-	-	252,332

1,348,976

????????(???????????Оы????)

?86?

2025?1?1?

????

????		1,083,306	-	-	1,083,306
??????		252,332	-	-	252,332

1,335,638

2024?

?1?

2024?1?1?

????

????		1,083,306	-	-	1,083,306
??????		252,332	-	-	252,332

1,335,638

????????(???????????Оы????)

?87?

29??????

???

1?1?

?????

????

??????

?????

????й???Б??

????й

?????

12?31????????????????

???????????????
-??????????????	-	440	-	110	-	330	330
??????????????
-???????????????	44,145	(58,028)	-	-	-	(58,028)	(13,883)
-?????????????????????壝?ф??????	923,799	(613,520)	424,904	(259,606)	-	(778,818)	144,981
-?????????????????????壝?ф??????	52,222	(19,909)	-	(4,977)	-	(14,932)	37,290

1,020,166

(691,017)

424,904

(264,473)

(851,448)

168,718

????????(???????????Оы????)

?88?

?????

2024?1?1?

????

??????

?????

????й

???Б??

?????

2024?12?31?

???????????????

???????????????
-??????????????	-	-	-	-	-	-	-
??????????????
-???????????????	2,836	41,309	-	-	-	41,309	44,145
-?????????????????????壝?ф??????	175,164	1,517,279	519,099	249,545	-	748,635	923,799
-?????????????????????壝?ф??????	70,950	(24,971)	-	(6,243)	-	(18,728)	52,222

248,950

1,533,617

519,099

243,302

771,216

1,020,166

????????(???????????Оы????)

?89?

?????

2025?1?1?

????

??????

?????

????

2025?12?31?

???????????????

???????????????
-??????????????	-	440	-	110	330	330
??????????????
-???????????????	43,659	(58,028)	-	-	(58,028)	(14,369)
-?????????????????????壝?ф??????	923,799	(613,520)	424,904	(259,606)	(778,818)	144,981
-?????????????????????壝?ф??????	52,222	(19,909)	-	(4,977)	(14,932)	37,290

1,019,680

(691,017)

424,904

(264,473)

(851,448)

168,232

????????(???????????Оы????)

?90?

?????

2024?1?1?

????

??????

?????

????

12?31?

???????????????

???????????????
-??????????????	-	-	-	-	-	-
??????????????
-???????????????	2,350	41,309	-	-	41,309	43,659
-?????????????????????壝?ф??????	175,164	1,517,279	519,099	249,545	748,635	923,799
-?????????????????????壝?ф??????	70,950	(24,971)	-	(6,243)	(18,728)	52,222

248,464

1,533,617

519,099

243,302

771,216

1,019,680

????????(???????????Оы????)

?91?

30????

??????

????????

2025?1?1?

??????	1,628,505	194,833	-	1,823,338
??????	1,874,565	-	-	1,874,565

3,503,070

194,833

3,697,903

2024?1?1?

????????

2024?1?1?

024

??????	1,438,077	190,428	-	1,628,505
??????	1,874,565	-	-	1,874,565

3,312,642

190,428

3,503,070

??澦И?ы???????澧????????????????????10%?????????????????????????????50%???????澞???????????????Б?????????И???▲??????▲???????????澞31▲?????

?????

31	2024?12?31?

????		4,959,089	4,351,725	4,923,007	4,351,725
??▲??????		588,028	607,364	584,501	571,282

????

5,547,117

4,959,089

5,507,508

4,923,007

?????й2012?3?30????澦?й??<?壝???????????> ???澧(??[2012] 20?)???????▲??????????????й???ф?????

1.5%澞

????????(???????????Оы????)

?92?

32?????

???

???
5

31	2025?12?31?

???????

???????		6,174,573	5,403,850	6,044,415	5,255,041
??????й???Б??

		1,965,837	1,921,704	1,948,336	1,904,273
????????(

??м澝

30)

194,833

190,428

194,833

190,428

??▲?????

??м澝

31)

588,028

607,364

584,501

571,282

???????

(1)

392,432

353,189

392,432

353,189

?????

6,965,117

6,174,573

6,820,985

6,044,415

(1)2025?4?18????2024????Б??????澦2024?????????澧?2025

?4?28??????澦2024???????????澧???????????????????1,962,161,395?О???????????0.20?(??)?????????392,432,279.00?澞???й2025?5?9?????????з?澞2024?4?18????2023????Б??????澦2023?????????澧?2024?4?26??????澦2023???????????澧???????????????????1,962,161,395?О???????Б????????0.18?(??)?????????353,189,051.10?澞???й2024?5?9?????????з?澞

????????(???????????Оы????)

?93?

33?????

???

		??
2025

2024

2025

2024??И?????

??И?????	139,302	130,708	135,439	127,342
????????壝????	16,528	14,496	16,510	15,021
????	92,257	68,745	92,257	68,745
б????壝?ф	4,116	19,438	4,116	19,438
??帡????
-

??帡????

	2,595,183	2,555,166	2,522,426	2,488,061
-Зы帡????	2,309,094	2,532,293	2,148,283	2,382,489
-

????

	80,451	142,832	80,451	142,832
?壝??	1,734,727	1,654,885	1,725,133	1,649,828

????

????	6,971,658	7,118,563	6,724,615	6,893,756
	----------------	----------------	----------------	----------------
?И?????	192,941	209,295	192,941	208,379
??????壝??????	9,651	14,126	32,919	41,873
????	34,278	39,125	34,278	39,125
?????壝?ф?	214,890	221,803	214,890	221,803
????
-

???????

	667,966	854,565	666,387	852,523
-

Зы??

	2,473,845	2,601,386	2,372,666	2,499,098
????	120,361	170,691	120,361	170,691
????	3,913	3,983	3,913	3,842

????

????	3,717,845	4,114,974	3,638,355	4,037,334
	----------------	----------------	----------------	----------------
?????	3,253,813	3,003,589	3,086,260	2,856,422

????????(???????????Оы????)

?94?

34?????????

???
2025

2024

2025

2024???????

???????	179,356	152,053	179,329	152,051
????????	25,099	13,802	24,972	13,680
???????	11,177	10,593	11,177	10,593
???????	11,788	8,316	11,784	8,311

????????

????????	227,420	184,764	227,262	184,635
	----------------	----------------	----------------	----------------
???????	24,211	35,662	24,211	34,656
???????	24,928	23,041	24,928	22,997
???????	58,811	87,196	58,687	86,671

????????

????????	107,950	145,899	107,826	144,324
	----------------	----------------	----------------	----------------
?????????	119,470	38,865	119,436	40,311

35????

?????

2025

2024

2025

2024

???壝??	(264)	(18,579)	(264)	(18,579)
с???壝??	253,172	307,698	253,172	307,698
????	125,139	22,827	125,139	22,827
?????????????

????????壝?ф

	424,904	519,099	424,904	519,099
????????	1,000	-	1,000	-
????????????	164,748	111,002	164,748	111,002
????????????	-	-	5,490	6,222

968,699

942,047

974,189

948,269

????????(???????????Оы????)

?95?

36???????(??) /??

?????

2025

2024

2025

2024

с???壝??	(136,518)	136,438	(126,923)	141,495
???壝??	52,716	(20,408)	52,716	(20,408)

(83,802)

116,030

(74,207)

121,087

37??????

?????

2025

2024

2025

2024

?????

??圈懙

	693,881	701,675	645,981	661,644
-

?????

??????

-	126,746	122,484	122,175	117,408
-

????

	28,081	16,375	28,081	16,355
-

▲?????????

129

848,712

840,663

796,240

795,469

???????

???????	157,697	158,726	150,671	150,740
????	354,022	369,812	342,086	359,585

1,360,431

1,369,201

1,288,997

1,305,794

???????????????????????????ф??????й????И?????????澞

????????(???????????Оы????)

?96?

38??????

???

		??
2025

2024

2025

2024????????壝????

????????壝????	(38)	(2,098)	(59)	(2,160)
????	4,036	(1,471)	4,036	(1,471)
б????壝?ф	158	(137)	158	(137)
??帡????
-

???????

	989,571	1,068,368	962,659	1,045,116
-

?????????????

??????

	(26,319)	25,096	(26,319)	25,096
?壝??
-

????

	26,125	75,445	26,125	75,445
-

??????

	6,410	(50,067)	6,410	(50,067)
???ф	(2,958)	15,165	(2,958)	15,165
???????帡???	(3,949)	23,176	(3,949)	23,176

993,036

1,153,477

966,103

1,130,163

39????????

(1)????

?????

2025

2024

2025?

2024

ы?????

138,605

221,629

137,907

219,003

????????(???????????Оы????)

?97?

(2)?????

???
2025

2024

2025

2024?????????

?????????	1,739	11,119	1,739	11,119
????С??	578	2,033	574	2,028
????	545	1,653	545	1,653
??????????	-	69,487	-	69,487
??	509	498	353	388

3,371

84,790

3,211

84,675

(3)?????

?????

2025

2024?

2025

2024???????

???????	11,971	13,350	11,951	13,320
??????	11,876	505	11,575	296
??	746	962	681	773

24,593

14,817

24,207

14,389

????????(???????????Оы????)

?98?

40???

???
2025

2024

2025

2024?????

?????		120,729	129,130	100,748	111,840
?????		(112,077)	(178,827)	(106,853)	(170,713)

8,652

(49,697)

(6,105)

(58,873)

(1)???????????

??????

2025

2024?

2025

2024????

????		1,995,660	1,894,178	1,942,231	1,845,400
???????????		498,915	473,544	485,558	461,350
????????????		25,567	3,958	25,312	8,371
????????	(a)	(564,713)	(550,506)	(565,456)	(551,405)
???????澝???

?????

(b)

48,883

23,307

48,481

22,811

???

8,652

(49,697)

(6,105)

(58,873)

(a)П?????????澝?????????澝?????????????????

?澞(b)П?????????????????????澝?????????????澝?

?????????????????????澞

????????(???????????Оы????)

?99?

41????

?????????澦??????????????????9?????ф??????????????澧(2010???) ??????????

???

2025?

2024?

??й???Б??????

??й???Б??????		1,965,837	1,921,704
?????????????(

)

1,962,161

?????????(ы???/ ?)

1.00

0.98

??????й??????????????????????????????????澞42?????????

(1)??????О????????

???

		??
2025

2024

2025

2024???

???	1,987,008	1,943,875	1,948,336	1,904,273
????????	993,036	1,153,477	966,103	1,130,163

?????

157,697

158,726

150,671

150,740

?????????

)

83,802

(116,030)

74,207

(121,087)

????

	(968,699)	(942,047)	(974,189)	(948,269)
?????ф澝???ф??????ф???	(4,927)	(61)	(4,927)	(61)

??????????

120,361

170,691

120,361

170,691

????????

1,886

1,867

1,748

1,726

?????

(112,077)

(178,827)

(106,853)

(170,713)

??????????

(16,833,764)

(21,999,808)

(15,696,244)

(21,146,749)

??????????

19,121,732

19,197,894

18,132,759

17,687,153

????ф?

/ (??) ???????

????ф?

4,546,055

(610,243)

4,611,972

(1,342,133)

????????

(???????????Оы????)

?100?

(2)?????????????

???

		??
2025

2024

2025

2024?????????????

?????????????	7,729,689	6,657,517	7,509,917	6,476,066
???????????

????

6,657,517

11,883,718

6,476,066

11,827,715

???????

????

)

1,072,172

(5,226,201)

1,033,851

(5,351,649)

(3)???????????

?????

2025?12?31?

2024

??	359,458	271,244	342,664	251,894
??И?????????	1,955,995	1,321,364	1,872,642	1,247,500
????????З???????

???壝????

	4,431,636	3,974,909	4,312,011	3,886,672
????????З??????	300,000	1,090,000	300,000	1,090,000
????????З??б???

?壝?ф

682,600

??????????

7,729,689

6,657,517

7,509,917

6,476,066

????????

(???????????Оы????)

?101?

(4)????ф????????

????д????????????????????????澞??????????????????И??О???????澞???

??????????????

???

1	7,333,577	78,095	4,474	7,416,146
????

?????????	15,042,688	-	-	15,042,688
???????????	(15,936,194)	-	-	(15,936,194)
???????????	(115,706)	-	-	(115,706)
??????????	-	-	(397,818)	(397,818)
?????????????	-	(28,774)	-	(28,774)
?????????????	-	(1,886)	-	(1,886)

?????

?????
????	120,361	1,886	-	122,247
????	-	-	397,502	397,502
?

???????

34,176

2025?12?31???

6,444,726

83,497

4,158

6,532,381

????

??????????

????2024

???

1	5,597,993	70,388	4,505	5,672,886
????

?????????	21,216,793	-	-	21,216,793
???????????	(19,476,437)	-	-	(19,476,437)
???????????	(175,463)	-	-	(175,463)
??????????	-	-	(358,966)	(358,966)
?????????????	-	(34,269)	-	(34,269)
?????????????	-	(1,867)	-	(1,867)

?????

?????
????	170,691	1,867	-	172,558
????	-	-	358,935	358,935
?

???????

41,976

2024?12?31???

7,333,577

78,095

4,474

7,416,146

????????(???????????Оы????)

?102?

????????????

??2025

???

1	7,333,577	73,284	4,474	7,411,335
????

?????????	15,042,688	-	-	15,042,688
???????????	(15,936,194)	-	-	(15,936,194)
???????????	(115,706)	-	-	(115,706)
??????????	-	-	(392,748)	(392,748)
?????????????	-	(26,860)	-	(26,860)
?????????????	-	(1,748)	-	(1,748)

?????

?????
????	120,361	1,748	-	122,109
????	-	-	392,432	392,432
?

???????

31,273

2025

???

6,444,726

77,697

4,158

6,526,581

??????????????

???

1	5,597,993	64,493	4,505	5,666,991
????

?????????	21,216,793	-	-	21,216,793
???????????	(19,476,437)	-	-	(19,476,437)
???????????	(175,463)	-	-	(175,463)
??????????	-	-	(353,220)	(353,220)
?????????????	-	(31,987)	-	(31,987)
?????????????	-	(1,726)	-	(1,726)

?????

?????
????	170,691	1,726	-	172,417
????	-	-	353,189	353,189
?

???????

40,778

2024

???

7,333,577

73,284

4,474

7,411,335

????????

(???????????Оы????)

?103?

43?????

(1)?О?????ф

?????О?????ф????????й?ф???????????О?И???????????壝?ф?澞й?ф??????????????????????????

2025?12?31?

2024?12?31?

?И?????

?И?????	12,120,000	11,020,000
?????壝?ф?	16,801,408	13,062,239

28,921,408

24,082,239

???????????????????

2025?12?31?

2024?12?31?

????

????	17,252,215	15,030,634
?帡?ф	7,684,977	12,874,034
??	-	265,203

24,937,192

28,169,871

????????????????帡?????л?????????????澞й2025?12?31?????????帡?????л?????О?????фОы??8,564,861??(2024?12?31??ы??7,440,500??)澞

(2)??????

?йб???с??????▲???????б?????с???????с???????澞й??ф????????????с????????????????????????澞?????????????帡??????壝??И???????????澝1(9)澞

????????

(???????????Оы????)

?104?

44?壝?ф???

?????И????????пс????????壝?ф????????п?壝?ф???????????????壝?ф?????????澞??????д????ф?????????懙?????壝?ф???????????????????????ф澞

(1)???ф??

2025?????????????????????фы??768,813??(2024??ы??592,924??)澞?й?????д???ф?????Ч???????懙???????????????ф澞

(2)????с??????с?

????????????壝?фП?О????с?И?О???с??с???????????с?И????????с??с??????????????????????????????й?????????????????????????й????У?澞??п??????????????????????????????????О??????с????????????澞?й??с???????д??????????Ч???????懙??????????????澞й2025?12?31??????????с?И???????Оы??148.55ь?(2024?12?31??ы??94.20ь?)澞????П?И???1????И???

(1)??????

й?ф????????????????????????

?????

П????

???????????

??????

?????????

/???Й????

???Й????

????

176,000

51.99%

????

????????

(???????????Оы????)

?105?

(2)??????

	2025?
?????

?????Б?????

????й???Б???

??????Б???????

?????Б???????Й????

???Й????

48.01%

21,171

5,070

274,250

2024

	2024
?????	?????Б?????

????й???Б???

?????

?Б???????

?????Б????

???Й????

48.01%

22,171

5,746

258,149

(3)???????П?????

????д????П??????????П??????????с????????????д??????????▲????????

???Й????

2025?12?31?

??帡????	4,043,378	3,664,297
?ф??	5,600,084	4,984,735
????	5,003,954	4,399,109
????	5,028,864	4,447,052

???Й????

2025?

2024

????	158,696	143,293
???	44,096	46,178
??????	44,096	46,178
???????????	216,133	73,328

????????(???????????Оы????)

?106?

2?????И???

(1)????

П?????????????????

??????????????????

??????????

????

??????

????

???

		6.96%		910,545
呐?????

??呐???呐?????

???

7.58%

1,096,272

?????????????呐???????▲?嗋з??????з??????????????????澞

(2)???????????

????д????????????????п?????????????????????О????????▲??????????澞

2025?12?31?

??й????Б??	14,719,380	14,037,890
??????????ф??	1,108,248	1,017,281
????????????	1,108,248	1,017,281

2025

2024

???	1,710,818	1,694,796
??????	(805,853)	587,337
??????	904,965	2,282,133
?

????????????

15,753

12,958

????????(???????????Оы????)

?107?

3???П?И???

?????????З???П??П????????????ф??????澞О???????????П?????П???????????????П??????????????????ц????????П????????(??????ф???????????) ????????П???????澞

(1)??????????????????????П?

???????????????????П?????澝????????П???????ц?????????????????????П????????????????О?????????П?????????П???????????澞

(2)???????????????????????П?

??????????П??П??????????????????????П?И???????????????????????????П???????????澞???????????????????????П???????????????????????????????ф????澞??????????????????П???????????????????П??????????????澞й?ф???????????????????????????????П?Иц?????????????????????

?с???壝?ф????????????

????

????	5,254,498	-	5,254,498	5,254,498
????ф????	-	434,820	434,820	434,820

5,254,498

434,820

5,689,318

2024

?с???壝?ф????

31
	??

??????

????	5,003,620	-	5,003,620	5,003,620
????ф????	50,500	1,356,426	1,406,926	1,406,926

5,054,120

1,356,426

6,410,546

????????(???????????Оы????)

?108?

??????????????????????????П??????????????ф???И??????????澞

(3)?????О??ы????????????????П?Иц????

????О??ы????????????????П??П????????????????ф?澞?п???П???????П?????????ф????????壝????????????ф?澞?????п???????????????П?Иц????П???????п???П????????澞й2025?12?31???????????????????????????ф??????Оы??94.79ь?(2024?12?31??ы??95.82ь?)澞2025???????????ф????ф????????И?????Оы??1.13ь?(2024??ы??1.09ь?)澞й?ф???????????????????ф??????????О?????ф?????????????澞

????????

(???????????Оы????)

?109?

?????

??????????????????О????????????????澞?????????????????▲????????п??????????????????????????????働澞????????О????д????????????????О??????????????帡?澝????澝帢?壝?澝?????????????澞Зы???????О????????????????帡???澝??????澝???????????澞??????

??????????壝???????с???壝??澝????澝?????????澝?????????澞?????????????????澞

???????????????澝Зы??澝?????????????????????澞??????с??????????澞?????????????????ф?????????????И??澞??????????????壝?????▲??????澞????????????????????澞???????ф?????????ф??????ф???????ф???澞

????????(???????????Оы????)

?110?

??????澝?ф??????

????Зы????????????

2025?/ 2025?12?31?▲澝????

▲澝????

1,688,869

1,811,206

724,555

183,404

4,408,034

?????

	1,456,811	1,850,521	(53,519)	-	3,253,813
?И???????(??)/ ??	(544,911)	1,935,905	(1,390,994)	-	-

?????????

)

50,400

(39,315)

108,385

119,470

??????

	181,658	-	669,689	183,404	1,034,751
и澝????	460,702	1,569,871	363,346	(2,767)	2,391,152
?澝????	1,228,167	241,335	361,209	186,171	2,016,882
?澝?ф??	82,526,163	61,722,617	96,199,150	1,046,997	241,494,927
м澝????	52,666,812	129,124,445	38,954,333	785,095	221,530,685
?澝????

???????

47,695

69,011

40,991

157,697

?????

16,579

23,198

14,297

54,074

???????帡???

	16,689,403	2,625,449	-	-	19,314,852
??????/(??)	30,520	955,102	10,372	(2,958)	993,036

2024?/ 2024?12?31?

????Зы????????????

2024?/ 2024?12?31?▲澝????

▲澝????

1,728,033

1,727,563

799,221

130,149

4,384,966

?????

)	1,439,724	1,811,511	(247,646)	-	3,003,589
?И???????(??)/ ??	(342,895)	1,804,613	(1,461,718)	-	-

?????????

)

36,530

(83,948)

86,283

38,865

??????

	251,779	-	960,584	130,149	1,342,512
и澝????	907,798	1,222,381	414,047	16,535	2,560,761
?澝????	820,235	505,182	385,174	113,614	1,824,205
?澝?ф??	70,807,447	59,972,484	89,042,045	680,913	220,502,889
м澝????	48,975,217	117,683,364	33,983,838	634,286	201,276,705
?澝????

???????

45,919

70,479

42,328

158,726

?????

28,571

41,885

26,475

96,931

???????帡???

12,518,305

2,655,595

15,173,900

??????

491,742

599,802

46,768

15,165

1,153,477

?11

????????

(???????????Оы????)

?111?

??????з?1???????帡???

??????????帡????????????????????????澝????????????澝?????????澞??????????????????????????澞???????????????????????????澞???????????????с??▲????????????????????澞?????????帡?????????????????????????????????????????澞???

2025?12?31?

??????	13,401,897	11,031,895
?????	2,708,685	971,714
?????????	2,625,449	2,655,595
????	578,821	514,696

19,314,852

15,173,900

2???????

???й?ф???????????????

??????

????????(???????????Оы????)

?112?

3?????????

й?ф?????????????????????????澞4???峚??傱

й?ф??????????????И????????峚з??????????О??

???峚з????????????ф?????澞Ь????1??帡???

??????????????澝?з????Зы???ы????????????ы?

??帡????帡?????О??澝??????????帡?澞??????帡????

?????????????????????ы??????????????????п

?ф????????????????澞?й??帡????й?????ф?????ф

??????澞

???????ф??????

??帡?

2,743,440

3,077,440

??帡???

2,743,440

3,077,440

2????

?????????????????????????????????????澞?й?

?????й???ю???????????????????????????????

????????懙澞???ц????П?О????????????????????

???澞й?ф?????????????????????澝3澞

?11

????????(???????????Оы????)

?113?

??壝??????

????????И?Л???壝??????П????-????-?????-????-?????????????Л???????????????????????澝?????澞

??????????????Л???壝???П???????澝????澝??????????澞?И??????????澝???????????澞???????????????????????澝??澝??澝????????????????????????З????澝?????????????????澞???????????澝??澝???????????澝??澝???????????????????????????????澝??????????澞??嗋з????????????????????????????????????????????с?????????????澞???????????????П?????????????????????з???澝зИ??澝з?????????????????????????????И???????澞??????????????????????澝????????????嗋з?????????????????澞?????澝?????澝?ф??????????????????????????????????澝????澝??????????????澞

?11

????????(???????????Оы????)

?114?

1????

??????????Л???ы????зы???????????У????澞????Л?????П???帡???澝????澝?????????澞??????嗋з????????с???????????????????????????????????澝?И??澝???ф?И??????П???????????澞???????????П??О???З?????????????????????ф?????澝???壝?澝???壝?澝???壝?澝?壝??з??澝?ф???????????????????????澞????Л???????????дм???????????????????澝??????澝?帡????澝??????????ф????澞A澝????????????澝?????????????????????????B澝???????????????澝?????????C澝?帡?????????????澝??????????帡????????????????????????帡????????????帡???????D澝???????????????帡?ф?????????????帡?????????????????????????E澝???ф?????????????ф????е????澝?????????д?

??ф???????????帡?????澞

(1)???????

?????????????????????????壝????О?З?????????????????????????????????????????????????壝?ф??????????帡????????澞

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????й?壝?????????????????????????????З???????????澞?壝???З???П??У??????▲????????????????????壝??澞????壝????12З???

????????澞

?114

????????

(???????????Оы????)

?115?

?и?????????????????????????????壝??澞????壝?

?????????????????澞???????ф??????????????壝?ф澞????壝??????????

????????澞

???????????й?З???????壝?????????????????????澞???????????????????????????????????????????????????????????й??????????澝???????????????澞???????壝????????????????壝????О????????壝????ф??????????????????????????????壝?????????????????澞?????▲З??З??澝???????????????О?壝?????????????????????????????????????????▲?????????-м???О????-??ы????????????????-???????з????П?????ф??????-?????壝?ф?????????????????????????????30?澞???????????ф??У

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-??м???О???澝???澝????-??ы?????????澝??澝??????????????90??-??ы??????Е??????-??ы??д??????????????????????

?11

????????(???????????Оы????)

?116?

-????й????????????????????????ы?????????

??????-??ы????ф??????????-????????????壝?ф?????????с??-??????б???▲??壝?ф??????д???????з??-?????壝?ф??????????

?壝?ф????????????Зз??????????????????з???澞???澝????????????????????壝?ф????????????????????壝????????????????????壝?????12З???З????????????????澞???????????(PD)澝?????(LGD)???????(EAD) ?З?????Ы??????澞???У???-????????ы???12З???З?????????????У?????澞

?????????????ф?О????????ф??????????????

???▲澝??и?????О???????????????

-??????????????????????澞????????????????

???????????????????????帡???????????????

????й??????????????????????澞????ф??????

????????????Э?????

-??????????????▲?????????澞

??????И????????

????????????????澞?????????????????????????????????????ф??澝????????澝??И??澝??????澝?壝????帡???澝??ф???????澝??????ы??澞????????????????????????????????????澞?И????ф????????2025?12?31??????О4.00%-5.92%澞??????????И?????????????д?????????????????????д????澞???????????????????????ф?????Ф?????????????????????????澞

?11

????????(???????????Оы????)

?117?

????????????????????Щ?澝??澝?????????????????????????????????????????澞й2025?12?31???????????Щ?????О25%?И?????О50%???????О25%澞?????????И?????澝????????????澝??????????????????????????????澞?п????澝??澝?????????????????????????????ф???澞????????????????????????帡???????????????????????????澞?????????й?????????????????????澞??????????????ф???????????????▲??????????????澞??????????????????????澝ф?????????????????????????帡???????澞??????????????????????????????????????澞

(2)????????????

???П????????Е??帡???澝??澝??????????????????????????澞?????м?(AAA/AA/A/B/C) ??????????????е?????????????????????????????????????????О?????澝???帢?澝????澝??????澝?????澝??????澝??????澝?????澝???帢??澝???????澝з???澝??壝???澝????????澝???14З??????????????????????????????????????????????????????????????й??澞??П?????????1.?????2.?ф???3.?????4.???О?5.??П???6.?????????????????????7.??????澞???????????????????????澞??????????帡??????????????????????????????????????????澞????????????帡?????????????????帡??????????????????П?/??П???澝????????澝????????澝??????????澝?????????????????澝???????????澞

?11

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?118?

(3)??????

帡?????(?)??????????????????ы????ы????(?) ???О????澞?(?) ???О????Ф▲?????И??е???????????(?) ??П????ф澝?????澝???澝????澝???澝????澝???澞??????И??????????(?) ??????澞???????И????И?????????????О???????????????????????帡????(?) ??澞?????????д?????(?) ????澝??澝??澝?????????????????????????澞???帡???????(?) ??????????????????????????????????澞?й??????帡????????П??ы????????????ы?????澝???????У??????????????帡??????澞

?????????П?????????????????澞???????????????д????????????????????????????У???О????????????帡????????澞??п??????????????????????????????澞????????????????????????????▲??????澞

?11

????????

(???????????Оы????)

?119?

(4)????????

?????????????????壝???????????д??澞???壝?ф??????????????帡???????????????????п?ф/ ???????????澞?????????????????????????????????????????

31	2024?12?31?

?????И?????

?????И?????	11,194,111	9,764,262
????????壝????	4,642,220	4,161,522
????	5,237,776	2,050,468
б????壝?ф	682,494	-
??帡????	136,813,938	127,100,520
?壝???
-

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	35,134,207	28,558,012
-??????	31,232,373	35,949,934
???壝?ф	1,000,959	130,922

??	225,938,078	207,715,640
	-----------------------	-----------------------
???????帡???	19,271,732	15,126,831
	-----------------------	-----------------------
??	245,209,810	222,842,471

?11

????????(???????????Оы????)

?120?

(5)?壝????????

???

?????????▲???и??

2025?12?31?????

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			????
?????????壝?ф?
?????И?????	11,194,111	-	-	11,194,111	-	-	-	-
????????壝????	4,644,937	-	-	4,644,937	2,717	-	-	2,717
????	5,243,085	-	-	5,243,085	5,309	-	-	5,309
б????壝?ф	682,652	-	-	682,652	158	-	-	158
??帡????

??帡????

71,518,957

913,770

370,635

72,803,362

929,911

380,416

350,606

1,660,933

Зы帡????

	53,410,229	2,865,955	1,362,208	57,638,392	778,839	993,260	1,112,318	2,884,417
????	34,983,574	-	535,571	35,519,145	12,771	-	372,167	384,938
???ф	977,975	25,197	11,483	1,014,655	6,163	949	6,584	13,696

182,655,520

3,804,922

2,279,897

188,740,339

1,735,868

1,374,625

1,841,675

4,952,168

?????????????

????????壝?ф?

?????????????

??帡????

????

8,638,099

17,759

帢?壝?

	2,279,435	-	-	2,279,435	3,972	-	-	3,972
??????	31,232,373	-	-	31,232,373	27,989	-	-	27,989

42,149,907

49,720

???????帡???

19,313,384

1,368

100

19,314,852

43,019

43,120

????????

(???????????Оы????)

?121?

?????????▲???и?????????▲???и????????

2024?12?31??????????壝?ф?

?????????壝?ф?
?????И?????	9,764,262	-	-	9,764,262	-	-	-	-
????????壝????	4,164,277	-	-	4,164,277	2,755	-	-	2,755
????	2,051,741	-	-	2,051,741	1,273	-	-	1,273
??帡????

??帡????

64,234,579

512,689

283,759

65,031,027

1,079,248

250,247

227,174

1,556,669

Зы帡????

	53,130,677	1,880,909	990,588	56,002,174	990,781	673,843	791,092	2,455,716
????	28,213,510	-	703,249	28,916,759	23,255	-	335,492	358,747
???ф	92,114	30,128	25,334	147,576	16	250	16,388	16,654

161,651,160

2,423,726

2,002,930

166,077,816

2,097,328

924,340

1,370,146

4,391,814

?????????????

????????壝?ф?

?????????????

??帡????

????

9,509,770

46,358

帢?壝?

	569,934	-	-	569,934	1,692	-	-	1,692
??????	35,949,934	-	-	35,949,934	21,579	-	-	21,579

46,029,638

69,629

???????帡???

15,173,900

47,069

????????(???????????Оы????)

?122?

(6)??????с?????????

????????????????壝????澝?????б????壝?ф澞??????????????????????И?ы?????????????????с???????П????????澞й?ф???????????????????с???????????????

???

??????????

-A

AAA	4,859,376	2,144,942
-

???

5,665,596

4,060,761

10,524,972

6,205,703

??????

??????	45,702	10,315
??????	8,184	4,028

10,562,490

6,211,990

????????(???????????Оы????)

?123?

(7)???????????????

??????????????????????????????澞й?ф??????????????????????????????????????

???
2025?12?31?	2024?12?31?

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????(???ы??)?
??	57,753,100	55,423,759
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??	5,175,410	7,051,798

??????

??????	64,505,981	62,475,557
	----------------------	----------------------
????ф????	1,646,171	1,708,249
	----------------------	----------------------
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??????	384,938	358,747
	----------------------	----------------------
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й2025?12?31???????????????????????????????И??ы??27,989????????????????????И???????壝?ф??ф???И???????(2024?12?31??ы??21,579??)澞

????????(???????????Оы????)

?124?

(8)???И?

?с????Ий?▲???????????п?????????????????澞???????????????????????????????????????у???澞???????壝?фП????帡???????壝????澞?????帡???????И?????м澝6(2)???帡???????И?????м澝6(3)澞

(9)??????????

????????????????壝?ф????????О??й?????????О????????????п?????????澞й?ф??????????????????帡??????壝???????????????????????

2024

????

?????????

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??帡????

??帡????	269,919	208,081	256,081	180,396
?壝??	163,404	163,404	367,757	367,757

433,323

371,485

623,838

548,153

????????(???????????Оы????)

?125?

2?????

????????????????????????????????????????????У?澝???ф??????????????澞????Л??????И???????????И??????澝????澝???????澝????澝??帡???????????澞?????????▲??????????????????????????????О???????????????????д????ф澝???????????????澞??????Е???????????????????????▲????ы??????????О?????????йИ???澞????????????О???????澝??澝????????????????????????澝??澝?????????????????????????Ф?????????澝??澝????澞??????????????????????嗋з?????????????????????澝??????????????????ф????澞嗋з??????????????????,????????????????澝?????????澝?????澝??澝?????????????????澞???????嗋з?????????????澝??澝??????????????????????????????????????????嗋з???????????????????????????????????澞?ф?????澝?????澝?壝??з??澝???澝????????????????????????澞?ф????????????????澝??澝???????????澞

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?126?

????й?ф?????????壝?ф(??????) ??壝??????????????澞?п?壝????????????????????????????????????И???О??????????????????▲З???????????澞

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31
	/

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З??

1?3З?

З??

?????

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?????И?????	-	11,189,807	-	4,304	-	-	-	11,194,111

????????壝????

4,534,390

3,156

109,801

4,647,347

????

815,945

894,730

3,544,489

5,255,164

б????壝?ф

682,711

??帡????

1,112,713

8,854,853

14,907,098

57,871,954

49,271,687

15,232,195

147,250,500

?壝??

163,404

4,375,373

331,743

1,609,414

2,701,632

33,514,758

57,097,388

99,793,712

???壝?ф

23,116

971,550

1,517

4,776

1,000,959

????壝?ф??

????壝?ф??	1,299,233	20,099,570	11,656,802	17,420,219	64,232,652	82,786,445	72,329,583	269,824,504
	------------------	------------------	------------------	------------------	------------------	------------------	------------------	------------------

????????(???????????Оы????)

?127?

???

2025?12?31?
	/

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З??

З?

З??

5???

??И?????

????壝??
	-	-	-	1,503,792	10,728,096	-	-	12,231,888

??????壝??????

233,585

????

300,853

408

1,512,927

1,814,188

с???壝??

216,285

279,085

495,370

?????壝?ф?

16,804,482

????

40,219,193

11,049,330

24,206,870

50,913,084

55,249,562

151

181,638,190

????

	-	-	1,820,000	2,657,540	37,540	2,085,700	-	6,600,780
????	-	-	8,669	5,489	17,302	50,315	1,723	83,498

???壝??

86,906

933,562

1,020,468

????壝????

????壝????	-	40,755,969	31,195,981	28,374,099	63,208,949	57,385,577	1,874	220,922,449
	------------------	------------------	------------------	------------------	------------------	------------------	------------------	------------------
?????	1,299,233	(20,656,399)	(19,539,179)	(10,953,880)	1,023,703	25,400,868	72,327,709	48,902,055

???壝??

(488,605)

(9,808)

3,267,692

474,685

3,243,964

???????帡???

2,651,147

2,023,608

3,071,372

11,354,067

169,550

1,988

19,271,732

????????(???????????Оы????)

?128?

????

???

31
	/

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З??

З?

З??

5???

?????И?????

????壝?ф?
	-	9,760,237	-	4,025	-	-	-	9,764,262

????????壝????

4,053,694

3,173

106,328

4,163,195

????

882,520

950,524

223,812

2,056,856

??帡????

855,191

7,824,982

13,261,412

50,906,869

53,730,568

13,556,186

140,135,208

?壝??

367,757

4,197,675

182,462

760,864

5,934,433

40,726,883

36,141,869

88,311,943

???壝?ф

29,095

94,777

5,281

1,769

130,922

????壝?ф??

????壝?ф??	1,252,043	18,011,606	8,984,741	14,985,279	57,173,211	94,457,451	49,698,055	244,562,386
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????????(???????????Оы????)

?129?

???

2024?12?31?
	/

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З??

З?

З??

5???

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	-	-	-	-	11,139,064	-	-	11,139,064

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249,631

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200,034

1,519,744

1,719,778

с???壝??

19,728

481,981

501,709

?????壝?ф?

12,888,685

177,999

13,066,684

????

47,300,108

6,631,639

18,162,678

39,682,626

57,195,617

376

168,973,044

????

460,000

3,941,900

3,081,900

7,483,800

????

6,563

5,128

19,102

46,646

4,719

82,158

???壝??

6,764

224,881

231,645

????壝????

????壝????	-	47,576,231	20,893,783	22,287,705	55,442,436	57,242,263	5,095	203,447,513
	------------------	------------------	------------------	------------------	------------------	------------------	------------------	------------------
?????	1,252,043	(29,564,625)	(11,909,042)	(7,302,426)	1,730,775	37,215,188	49,692,960	41,114,873

???壝??

(5,262)

(2,549)

(2,626)

2,937

(7,500)

???????帡???

2,669,083

1,109,917

2,457,183

8,578,364

309,284

3,000

15,126,831

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(???????????Оы????)

?130?

3????

???????????(??澝???)??????????????????????????澞??????????П???й?????ф?????????????????????????с????????澞????????????О????????????????????????????Б????????????澞?????????????????????????????澝???????????澝?????????????????????????????澞???????????????????????嗋з?澝????????????澞嗋з????????????????????????????????с?????????????????????嗋з??с????澞??????????????????澞?????????????????????壝?澝???壝?澝?ф?????澝?壝??з?????????????????????澝??澝???????????????????????澞?????????????????с?????????????????澞?йс???И???????????澝???????????????с???澝??????????????????????????????????????????澝??澝?????澞?й????И???????????????????????????澝??????????????????????ф?????????????????????????????????澞

(1)????

?????????????????????????澞????????П??й???????ф??????????????????????????????????????澞???????帡?澝???????И?Л????澞

????????(???????????Оы????)

?131?

?????Ос????????????????澞?йс???И??????????????澝???????????????с???澝???????????????????????????????????????????澝??澝?????澞?й????И??????????????????????澝??????????????????????ф?????????????????????????????????澞й?ф?????????壝?ф??壝??????????????(????О?) ??????

31
3З???	3З??1?	1

5???

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?????И?????

?壝?ф
		10,475,929	-	-	-	718,182	11,194,111

????????壝????

4,639,655

2,565

4,642,220

????

1,682,954

3,511,737

43,085

5,237,776

???壝?ф

49,764

б????壝?ф

682,442

682,494

??帡????

28,930,179

64,624,782

39,180,720

3,795,564

282,693

136,813,938

?壝??

1,350,630

859,701

25,127,704

44,766,273

6,197,539

78,301,847

???壝?ф

1,000,959

?壝?ф??

?壝?ф??	47,761,789	68,996,220	64,308,424	48,561,837	8,294,839	237,923,109
	-----------	-----------	-----------	-----------	-----------	-----------
?壝??

?И?????

1,500,000

10,620,000

5,921

12,125,921

??????壝??????

233,533

233,585

????

300,000

1,500,000

1,027

1,801,027

с???壝??

275,302

220,068

495,370

???壝??

15,488

?????壝?ф?

16,801,408

3,074

16,804,482

????

		74,989,890	49,914,001	53,195,052	150	3,539,096	181,638,189
????		4,431,719	-	2,000,000	-	13,007	6,444,726

????

14,158

17,301

50,315

1,723

83,497

???壝??

1,020,468

?壝????

?壝????	98,546,010	62,051,302	55,245,367	1,873	4,818,201	220,662,753
	-----------	-----------	-----------	-----------	-----------	-----------
??????	(50,784,221)	6,944,918	9,063,057	48,559,964	3,476,638	17,260,356

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(???????????Оы????)

?132?

2024?12?31?
3З???	3З?

5???

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?????И?????

?壝?ф
		9,196,035	-	-	-	568,227	9,764,262

????????壝????

4,158,948

2,574

4,161,522

????

1,824,103

218,624

7,741

2,050,468

???壝?ф

27,621

??帡????

25,206,612

58,097,273

42,680,836

781,792

334,007

127,100,520

?壝??

242,626

4,459,722

34,230,208

28,874,116

6,284,426

74,091,098

???壝?ф

130,922

?壝?ф??

?壝?ф??	40,628,324	62,775,619	76,911,044	29,655,908	7,355,518	217,326,413
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?壝??

?И?????

11,020,000

5,893

11,025,893

??????壝??????

249,554

249,631

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200,000

1,500,000

917

1,700,917

с???壝??

473,850

27,777

501,627

???壝??

48,074

?????壝?ф?

13,062,239

3,115

13,065,354

????

71,317,338

37,952,023

53,421,781

376

3,499,947

166,191,465

????

4,308,552

3,000,000

25,025

7,333,577

????

11,331

18,518

43,989

4,257

78,095

???壝??

231,645

?壝????

?壝????	89,622,864	53,490,541	53,465,770	4,633	3,842,470	200,426,278
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?133?

?????????????????????????????????????澞???????????▲???????????????▲???????????壝?ф????ф??????????澞?????????????й?▲????????ф?????????????????????????????????????????????????澞????д?????????????????????????????????????

2024

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(

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(

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(

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100

(467,123)

(1,694,446)

(443,645)

(1,416,239)

100

467,123

1,963,602

443,645

1,581,286

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????????(???????????Оы????)

?134?

(2)????

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ы??

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2025?12?31??壝?ф

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	11,064,596	127,438	250	1,674	153	11,194,111
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б????壝?ф	682,494	-	-	-	-	682,494
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	73,512,505	4,632,375	-	156,967	-	78,301,847
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?壝?ф??	231,521,279	5,869,764	73,599	417,851	40,616	237,923,109
	---------------	---------------	---------------	---------------	---------------	---------------
?壝??

?И?????

	12,125,921	-	-	-	-	12,125,921
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с???壝??

	495,370	-	-	-	-	495,370
???壝??	15,488	-	-	-	-	15,488
?????壝?ф?	16,804,482	-	-	-	-	16,804,482

????

	179,062,100	2,541,211	99	31,320	3,459	181,638,189
????	6,444,726	-	-	-	-	6,444,726
????	83,497	-	-	-	-	83,497

???壝??

91,463

723,263

205,742

1,020,468

?壝????

?壝????	217,157,659	3,264,474	99	237,062	3,459	220,662,753
	------------	------------	------------	------------	------------	------------
??????	14,363,620	2,605,290	73,500	180,789	37,157	17,260,356

????????(???????????Оы????)

?136?

2024?12?31?
ы??

????ы??

??????ы??

?????ы??

?????И?????

?壝?ф
	9,711,066	52,305	233	500	158	9,764,262
????????壝????	3,849,787	136,157	15,224	90,574	69,780	4,161,522
????	2,050,468	-	-	-	-	2,050,468

???壝?ф

	27,621	-	-	-	-	27,621
??帡????	127,043,769	56,751	-	-	-	127,100,520
?壝??	72,887,305	1,203,793	-	-	-	74,091,098

???壝?ф

85,909

45,013

130,922

?壝?ф??

?壝?ф??	215,655,925	1,494,019	15,457	91,074	69,938	217,326,413
	---------------	---------------	---------------	---------------	---------------	---------------
?壝??
?И?????	11,025,893	-	-	-	-	11,025,893

??????壝??????

	249,631	-	-	-	-	249,631
????	1,700,917	-	-	-	-	1,700,917
с???壝??	501,627	-	-	-	-	501,627

???壝??

	48,074	-	-	-	-	48,074
?????壝?ф?	13,065,354	-	-	-	-	13,065,354
????	164,928,504	1,134,321	86	121,079	7,475	166,191,465

????

	7,333,577	-	-	-	-	7,333,577
????	78,095	-	-	-	-	78,095
???壝??	231,645	-	-	-	-	231,645

?壝????

?壝????	199,163,317	1,134,321	86	121,079	7,475	200,426,278
	------------	------------	------------	------------	------------	------------
??????	16,492,608	359,698	15,371	(30,005)	62,463	16,900,135

????????

(???????????Оы????)

?137?

???????????????????????????????澞????д?????????????????ы????????????????????澞

?????????
5

???

	31
/ (

	)	??/ (??)
????

?ы????

100

21,726

3,056

?ы??帛?

100

(21,726)

(3,056)

??????й?????(i)????ф??????????????й?ф??????????(ii)???????????ы??й????????(И??) ???????100??

??????????(iii)?ф????????100???????ф??????▲З?????????

??(iv)?????????????????????(v)????(????) ??????(vi)???????????О????????澞????????й?ф??????????????????????????????й??????????????????????澞?й?й?????????????????????????????????????????澞

????????(???????????Оы????)

?138?

4????

??????й???????????澝ы?澝?????з????????澞???????????????澝???????Е????▲???????????????????????????????????д?????????д????働??????????????????????????д????????????????????????????????д????澞??????????澝?????????澝??с???澝??????澝??????????????????????д???????????澝????????澝??????????澝?????澝?????????澝??????????????澝??????澝??????????澝??????澝Е???????????????????????????????й???????????????????澞?▲????

??????????????????????О??????????????????????????澝?????????澝???????????????▲澞????????????????澝???????澝??????澝?????????????ф?????????????????????????????????????й????澞??2025?12?31???????澦??????????澧(???壝???????2023??4?) ?????????????????И???????ф?????澝???????ф???????澝???????ф?????????澞??2025?12?31??????????▲??????澝▲???????????????澦??????????澧?????????澞???????????????????????澦??????????澧澞

????????(???????????Оы????)

?139?

?и?壝???????1??????

(1)?????????

????д?????З?ф???????????????ф???й???????????????????????澞??????????????й????????????????У?????????澞?З???????У????▲??????????????????ф??????????????????и????????▲?????????ф???????????????????????????ф???????????澞????????З????д????????????壝??й?ф??????????

??▲????????

?и????????

??????????

	31
				??
?ф
???壝?ф	-	49,764	-	49,764
??帡????	-	-	10,917,534	10,917,534
?壝??
-

с???壝?ф

	4,274,933	7,559,894	-	11,834,827
-

??????

	-	31,232,373	-	31,232,373
-

????????

100,440

???????????ф??

4,274,933

38,842,031

11,017,974

54,134,938

??
с???壝??	205,837	289,533	-	495,370
???壝??	-	15,488	-	15,488

??????????????

205,837

305,021

510,858

????????(???????????Оы????)

?140?

?▲????????

?и????????

????????????

2024?12?31??ф

?ф
???壝?ф	-	27,621	-	27,621
??帡????	-	-	10,079,704	10,079,704
?壝??
-

с???壝?ф

	5,319,081	4,164,071	-	9,483,152
-

??????

	-	35,949,934	-	35,949,934
-

????????

100,000

???????????ф??

5,319,081

40,141,626

10,179,704

55,640,411

??
с???壝??	9,157	492,470	-	501,627
???壝??	-	48,074	-	48,074

??????????????

9,157

540,544

549,701

(2)?▲?????????

?й????????(???????с???с???????????ы) ???????ф???????▲Зс???????????帱???О????澞

(3)?и?????????

????й?и??????????壝??П???????????壝???澞?й???????????????????И??????????????????????й?????????л???????????(Bloomberg) ???????????????澝?????????????????-?????????????????????????????И??д?????????????澞???????????????????壝??И???????????澝?ф?????????????壝??澝???????????????????壝??И??????????П?И??????ы??????????????????П??????壝?ф?????壝?????????????澞

????????(???????????Оы????)

?141?

(4)???????????

?????д????????????????????И?????????????????????????????????澞???????????????????????????????????????????

?12?31??

???????????????

????

8,638,099

???????

			???????
帢?壝?	2,279,435

??????????????

???????

100,440

?ф????ф??

???????????

2024?12?31??????????

????

9,509,770

??????????????

帢?壝?

569,934

??????????????

???????

100,000

?ф????ф??

й?ф??????????????????????И????????????????????????澞???????О????ф????????????д?▲????????й???????????????????????壝???????????????????澞

????????(???????????Оы????)

?142?

(5)???????????????????????????????????????????

(a)????????????????????????????????

???2025?

??????????б???澝?????

????????

?????????б????????????

							??????ф???????????????
??帡????	10,079,704	140,039	(11,815)	67,167,168	(66,457,562)	10,917,534	26,319
????????	100,000	1,000	440	-	(1,000)	100,440	-

10,179,704

141,039

(11,375)

67,167,168

(66,458,562)

11,017,974

26,319

2024?

?б???澝???????????ф

???????????????????????

?????????б????????

		?????????
						????
??帡????	7,434,904	133,856	6,318	92,838,252	(90,333,626)	10,079,704	(25,096)
????????	100,000	-	-	-	-	100,000	-

7,534,904

133,856

6,318

92,838,252

(90,333,626)

10,179,704

(25,096)

????????

(???????????Оы????)

?143?

??й?????????????????????????????????

2025?

2024

????????????

????

		102,146	147,157
-????		12,574	11,795

???????????????

????????

)

26,319

(25,096)

141,039

133,856

???????????????-

?????????????????

????壝?ф??????

14,944

(18,778)

-?????????????????????壝?ф??????

(26,319)

25,096

(11,375)

6,318

(b)?????????????????????????????

?????????????????壝?????????????ф?????????????????????????澞???????????с?????????д??澞????????????????????澞2?????????????Ф??????

????????????????????▲??澝?и????????壝?ф???Ф????澞3???????????

?????????????????????????????澞

????????(???????????Оы????)

?144?

4??????????壝?ф??壝?????????

???????????ф???????壝?ф??壝????????????Ф???????

??▲???и??????????????

?壝?ф

????

?壝?ф
	-	34,960,111	833,480	35,793,591	35,134,207

?壝??

????

?壝??
	-	6,432,549	-	6,432,549	6,444,726

2024

??▲???и??????????????

?壝?ф

????

?壝?ф
	-	29,396,146	377,930	29,774,076	28,558,012

?壝??

????

?壝??
	-	7,352,887	-	7,352,887	7,333,577

?й????????????壝?ф??壝??????П????????????????????????????????????????????????????????????И??д?????????????澞????????????????????????????澞????И??????????П?И??????ы???????????????П??????壝?ф?????壝?????????????澞

????????(???????????Оы????)

?145?

?????????с?

????????????????????????5%?5%??????Б(?????П??Б?)????5%?5%?????Б????Б???????????????????(?????П??Б????ы?)????5%?5%?????Б?嗋з澝?з澝????ы?(?????П??Б?????ы?)???嗋з澝?з澝????ы?(?????????ы??) ?????????????????5%???????????????Б??????1%??????Б?嗋з澝?з澝????ы?????????????ы?????????????(???????????ы?)?????ы???????????????澝??澝??????????????ы??????????5%???????????????Б??????1%???????Б澝???Б?????Б?????????????????(??????????ы?)澞1?Б

й2025?12?31???????????5%?????П??Б?????????

???????????

????????

?????????

??????????ф?

??????????????

ы??

????????ф?

4,000,000

8.10%

й2024?12?31???????????5%?????П??Б?????????

???????????

????????

?????????

??????????ф???????

????????

ы??

????????ф???????

4,000,000

		8.10%	8.10%
??????????

????????????

ы??

		100,000	4.05%	4.05%
???????

????????????

16,233,329.731

1.99%

????????

(???????????Оы????)

?146?

2024?2?19??????????ф???????й?????????????О????5%?5%??????Б澞й2024?12?31????????????????(??????????) ???政澝???澝????????????ы?????ыО??政澝???澝???澞???????????(?????????) ????БО???и?????(????)?????ы?????ыО???澞??????????????澝???????????澝???澝???лО▲???ы?????????5%???澞й2025?12?31????????▲???ы???澝???澝???????????й5%??ё?????????????????О?????澞2???с?

????????????с?????й?ф???????????????????????

(1)??帡????

/ 2025

????????????

2024?/ 2024?12?31?П??Б?????ы

П??Б?????ы	246,900	42,179	7,874,718	358,547
П??Б??????ы	3,438	119	3,047	73
?????ы	2,015,915	72,823	1,506,287	61,116
??????ы	27,327	866	29,337	787

2,293,580

115,987

9,413,389

420,523

????????(???????????Оы????)

?147?

(2)????

2025?/ 2025?12?31?

2024

?????????

31
	????

П??Б?????ы

П??Б?????ы	119,434	11,228	3,066,503	40,917
П??Б??????ы	240	55	6,369	22
?????ы	1,294,324	42,975	1,599,262	42,750
??????ы	902,908	70,591	546,525	47,344

2,316,906

124,849

5,218,659

131,033

(3)????

/ 2025

/ 2024

?????????????

?????ы

42,878

312

42,566

285

(4)??????

/ 2025

????????????

2024?/ 2024?12?31?П??Б?????ы

П??Б?????ы

1,573

300,000

11,218

(5)??????

2025?12?31?

П??Б?????ы	-	7,250
?????ы	349,714	333,815

349,714

341,065

????????(???????????Оы????)

?148?

(6)壝???

2025?12?31?

П??Б?????ы	-	169
?????ы	5,059	5,059

5,059

5,228

(7)??帡???

2025?12?31?

П??Б?????ы

588,000

3????ы??懙

????ы?????????????????澝????????????ы????嗋з澝?з?????ы?澞????????????ы??懙?????

2025

2024

????ы??懙

12,957

14,618

????????(???????????Оы????)

?149?

4????Ф??с?

??й?????????????с????

2025?

2024

????	244	785
????	23,266	27,769
????	5,490	6,222

??й????????Ф???????????

????????壝????	-	34,121
??????壝??????	1,029,728	811,463

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???????????????????????й????????????с?澞

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О??????????????????????????????д??澞?м?ф?????з?1?ф?????????

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?1?

?????Й????????????

????????(???????????Оы????)1?????????

??澦???????????????????1?????????(2023???)澧??????????????????

2025

2024

????ф????	4,927	61
???????????	139,150	223,282
???????????й??????ц????

???????ф????ф????

	-	69,487
?????Ф?????????	(21,767)	(1,167)
??????	(33,616)	(73,050)

88,694

218,613

?И???й??????Б???????

88,567

217,809

??й???Б???????

127

804

??????????????И?????????????澦???????????????????1 ????????(2023???) 澧(И????????????[2023]65?) ?????澞??????????????????????????????????????????????й????????????????ы??????働??????????????с??з?ф????澞???????????????澝?ф????澝???????????И??澞???ы??????ф???澝?壝?ф????????澝??????с???壝?ф澝с???壝??????????????????????????????й??????????ф?????????????????????澞

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2????

2025

2024

??????????????

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1.00

0.98

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0.96

0.87

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(1)??????????????

??????????????????????м澝41澞

(2)????????????????????????

???????????????????????????????й??????Б??????????????????????????

2025

2024

??й??????Б??????	1,965,837	1,921,704
??й??????Б???????	88,567	217,809
???????????й??????Б

??????

	1,877,270	1,703,895
???????????????	1,962,161	1,962,161
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0.96

0.87

?3?

3??ф???

???????????澦?????????????????9?????ф??????????????澧(2010???) ?????ф??????

2025?

2024

?????????

??????ф???

10.20%

10.83%

?????????

??????ф???

9.75%

9.61%

(1)??????ф????????

??????ф??????й??????Б??????????й??????Б?????ф?????????

2025?

2024

??й??????Б??????	1,965,837	1,921,704
??й??????Б?????ф??????	19,263,608	17,739,305
??????ф???	10.20%	10.83%

(2)????????????????ф????????

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2025

2024

?????

???????????й??????Б?	1,877,270	1,703,895
??й??????Б?????ф??????	19,263,608	17,739,305
????????????????ф???	9.75%	9.61%

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