International Public Joint-Stock Company TCS Holding (MOEX: TCSG)

TCSG Income Statement

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

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Sep 30, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Interest Income on Loans	259,465	205,603	163,620	128,084	111,129	76,269
Interest Income on Investments	198	149	192	83	118	456
Total Interest Income	259,663	205,752	163,812	128,167	111,247	76,725
Interest Paid on Deposits	49,525	56,772	28,430	21,581	21,317	15,559
Interest Paid on Borrowings	2,207	1,007	80	139	134	-
Total Interest Expense	51,732	57,779	28,510	21,720	21,451	15,559
Net Interest Income	207,931	147,973	135,302	106,447	89,796	61,166
Net Interest Income Growth (YoY)	46.04%	9.36%	27.11%	18.54%	46.81%	30.93%
Gain (Loss) on Sale of Investments	1,810	-7,315	8,539	7,813	690	378
Other Non-Interest Income	90,016	84,768	46,537	28,558	19,981	11,960
Total Non-Interest Income	91,826	77,453	55,076	36,371	20,671	12,338
Non-Interest Income Growth (YoY)	11.67%	40.63%	51.43%	75.95%	67.54%	70.79%
Revenues Before Loan Losses	299,757	225,426	190,378	142,818	110,467	73,504
Provision for Loan Losses	55,183	67,502	21,683	39,341	26,412	11,799
Revenue	244,574	157,924	168,695	103,477	84,055	61,705
Revenue Growth (YoY)	45.36%	-6.38%	63.03%	23.11%	36.22%	33.19%
Salaries and Employee Benefits	5,373	7,837	6,013	1,464	469	630
Federal Deposit Insurance	4,911	4,076	2,744	1,745	1,870	1,174
Selling, General & Administrative	145,054	111,964	79,733	45,632	34,016	25,393
Other Non-Interest Expense	-2,036	-1,608	-923	-1,445	2,164	-716
Total Non-Interest Expense	153,302	122,269	87,567	47,396	38,519	26,481
EBT Excluding Unusual Items	91,272	35,655	81,128	56,081	45,536	35,224
Asset Writedown	-1,878	-10,393	11	-	-	-
Other Unusual Items	870	4,564	-101	168	-	-
Pretax Income	90,264	29,826	81,038	56,249	45,536	35,224
Income Tax Expense	19,753	9,024	17,670	12,036	9,413	8,102
Earnings From Continuing Operations	70,511	20,802	63,368	44,213	36,123	27,122
Minority Interest in Earnings	-4	222	103	-4	-1	-34
Net Income	70,507	21,024	63,471	44,209	36,122	27,088
Net Income to Common	70,507	21,024	63,471	44,209	36,122	27,088
Net Income Growth	159.54%	-66.88%	43.57%	22.39%	33.35%	42.43%
Basic Shares Outstanding	199	199	197	196	187	176
Diluted Shares Outstanding	206	205	202	198	190	182
Shares Change (YoY)	0.97%	1.71%	2.01%	3.96%	4.39%	-0.04%
EPS (Basic)	354.38	105.81	321.80	225.60	193.62	153.54
EPS (Diluted)	342.82	102.55	314.88	223.73	190.05	148.78
EPS Growth	157.05%	-67.43%	40.74%	17.72%	27.74%	42.48%
Dividend Per Share	-	-	17.820	58.300	32.200	74.302
Dividend Growth	-	-	-69.43%	81.06%	-56.66%	114.75%
Effective Tax Rate	21.88%	30.26%	21.80%	21.40%	20.67%	23.00%

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