MOEX:TCSG 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 Income on Loans	1,027,774	686,164	300,099	205,603	163,620	128,084
Interest Income on Investments	22,482	6,785	162	149	192	83
Total Interest Income	1,050,256	692,949	300,261	205,752	163,812	128,167
Interest Paid on Deposits	533,396	298,872	62,175	56,772	28,430	21,581
Interest Paid on Borrowings	6,860	3,120	2,265	1,007	80	139
Total Interest Expense	540,256	301,992	64,440	57,779	28,510	21,720
Net Interest Income	510,000	390,957	235,821	147,973	135,302	106,447
Net Interest Income Growth (YoY)	53.68%	65.79%	59.37%	9.37%	27.11%	18.54%
Gain (Loss) on Sale of Assets	6,473	6,473	-	-	-	-
Gain (Loss) on Sale of Investments	1,658	-3,783	299	-7,315	8,539	7,813
Other Non-Interest Income	205,331	165,874	105,992	97,152	46,537	28,558
Total Non-Interest Income	213,462	168,564	106,291	89,837	55,076	36,371
Non-Interest Income Growth (YoY)	49.06%	58.59%	18.32%	63.12%	51.43%	75.95%
Revenues Before Loan Losses	723,462	559,521	342,112	237,810	190,378	142,818
Provision for Loan Losses	169,633	129,552	50,239	67,502	21,683	39,341
Revenue	553,829	429,969	291,873	170,308	168,695	103,477
Revenue Growth (YoY)	47.30%	47.31%	71.38%	0.96%	63.03%	23.11%
Salaries and Employee Benefits	16,112	7,739	3,597	7,837	6,013	1,464
Federal Deposit Insurance	16,118	11,289	5,498	4,076	2,744	1,745
Selling, General & Administrative	296,343	234,875	156,975	105,507	79,733	45,632
Other Non-Interest Expense	21,634	25,715	15,786	16,230	-923	-1,445
Total Non-Interest Expense	342,023	279,618	181,856	133,650	87,567	47,396
EBT Excluding Unusual Items	211,806	150,351	110,017	36,658	81,128	56,081
Asset Writedown	-5,143	-6,733	-6,931	-11,452	11	-
Other Unusual Items	1,133	8,714	263	4,564	-101	168
Pretax Income	207,796	152,332	103,349	29,770	81,038	56,249
Income Tax Expense	48,739	30,094	22,417	9,010	17,670	12,036
Earnings From Continuing Operations	159,057	122,238	80,932	20,760	63,368	44,213
Minority Interest in Earnings	-4,677	159	-442	222	103	-4
Net Income	154,380	122,397	80,490	20,982	63,471	44,209
Net Income to Common	154,380	122,397	80,490	20,982	63,471	44,209
Net Income Growth	47.95%	52.06%	283.62%	-66.94%	43.57%	22.39%
Basic Shares Outstanding	256	215	199	199	197	196
Diluted Shares Outstanding	271	227	204	205	202	198
Shares Change (YoY)	31.22%	11.61%	-0.66%	1.71%	2.01%	3.96%
EPS (Basic)	602.06	568.54	405.08	105.59	321.80	225.60
EPS (Diluted)	569.24	538.51	395.24	102.35	314.88	223.73
EPS Growth	12.75%	36.25%	286.17%	-67.50%	40.74%	17.72%
Dividend Per Share	228.500	124.500	-	-	17.820	58.300
Dividend Growth	-	-	-	-	-69.43%	81.06%
Effective Tax Rate	23.46%	19.76%	21.69%	30.26%	21.80%	21.40%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.