SFI Income Statement

Financials in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	58,455	59,313	36,455	28,252	19,131	14,425
Total Interest Expense	30,017	30,847	19,108	15,334	9,395	6,789
Net Interest Income	28,438	28,466	17,347	12,918	9,737	7,636
Other Revenue	18,840	21,476	19,167	4,005	3,549	8,764
Revenue Before Loan Losses	47,277	49,942	36,514	16,923	13,286	16,400
Provision for Loan Losses	7,099	7,936	2,751	2,457	1,286	251.48
Revenue	40,179	42,006	33,763	14,466	12,000	16,149
Revenue Growth (YoY)	192.42%	24.42%	133.40%	20.55%	-25.69%	-4.74%
Salaries & Employee Benefits	8,858	8,963	7,740	6,860	5,668	4,112
Cost of Services Provided	829.38	832.67	762.43	578.95	648.81	306.02
Other Operating Expenses	808.36	722.38	252.28	267.71	515.54	78.72
Total Operating Expenses	10,495	10,518	8,755	7,706	6,832	4,497
Operating Income	29,683	31,488	25,008	6,759	5,168	11,652
Currency Exchange Gain (Loss)	-92.73	163.86	20.2	3.72	4.47	188.42
EBT Excluding Unusual Items	28,423	30,471	25,070	6,879	5,238	11,642
Pretax Income	26,841	28,889	24,529	6,589	5,166	11,530
Income Tax Expense	7,238	7,486	4,987	-13	1,772	2,090
Earnings From Continuing Ops.	19,604	21,403	19,542	6,602	3,394	9,440
Earnings From Discontinued Ops.	-8,354	1,485	-169.12	-540.47	723.81	-13,117
Net Income to Company	11,250	22,887	19,373	6,061	4,118	-3,677
Minority Interest in Earnings	-816.58	-2,031	82.98	115.62	54.62	-42.47
Net Income	10,433	20,856	19,456	6,177	4,173	-3,719
Net Income to Common	10,433	20,856	19,456	6,177	4,173	-3,719
Net Income Growth	-49.15%	7.20%	215.00%	48.02%	-	-
Shares Outstanding (Basic)	48	48	48	49	50	67
Shares Outstanding (Diluted)	48	48	48	49	50	67
Shares Change (YoY)	0.06%	0.24%	-2.10%	-2.27%	-25.68%	-29.76%
EPS (Basic)	217.79	435.37	407.12	126.53	83.54	-55.34
EPS (Diluted)	217.79	435.37	407.12	126.53	83.54	-55.34
EPS Growth	-49.18%	6.94%	221.76%	51.46%	-	-
Free Cash Flow	82,292	-11,252	-54,424	-4,881	-61,485	-16,387
Free Cash Flow Per Share	1717.80	-234.88	-1138.81	-99.98	-1230.93	-243.83
Dividend Per Share	985.500	311.100	60.020	-	-	-
Dividend Growth	242.64%	418.33%	-	-	-	-
Operating Margin	73.88%	74.96%	74.07%	46.73%	43.06%	72.15%
Profit Margin	25.97%	49.65%	57.63%	42.70%	34.77%	-23.03%
Free Cash Flow Margin	204.82%	-26.79%	-161.20%	-33.74%	-512.38%	-101.48%
Effective Tax Rate	26.96%	25.91%	20.33%	-	34.29%	18.13%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.