MOEX:TCSG Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	1,059,430	686,164	300,099	205,603	163,620
Interest Income on Investments	31,492	6,959	162	149	192
Total Interest Income	1,090,922	693,123	300,261	205,752	163,812
Interest Paid on Deposits	540,154	298,872	62,175	56,772	28,430
Interest Paid on Borrowings	10,730	3,343	2,265	1,007	80
Total Interest Expense	550,884	302,215	64,440	57,779	28,510
Net Interest Income	540,038	390,908	235,821	147,973	135,302
Net Interest Income Growth (YoY)	38.15%	65.77%	59.37%	9.37%	27.11%
Gain (Loss) on Sale of Investments	32,273	-3,998	299	-7,315	8,539
Other Non-Interest Income	206,907	165,940	105,992	97,152	46,537
Total Non-Interest Income	239,180	161,942	106,291	89,837	55,076
Non-Interest Income Growth (YoY)	47.70%	52.36%	18.32%	63.12%	51.43%
Revenues Before Loan Losses	779,218	552,850	342,112	237,810	190,378
Provision for Loan Losses	165,494	129,337	50,239	67,502	21,683
Revenue	613,724	423,513	291,873	170,308	168,695
Revenue Growth (YoY)	44.91%	45.10%	71.38%	0.96%	63.03%
Salaries and Employee Benefits	17,512	7,739	3,597	7,837	6,013
Federal Deposit Insurance	16,718	11,289	5,498	4,076	2,744
Selling, General & Administrative	311,803	234,875	156,975	105,507	79,733
Other Non-Interest Expense	24,499	21,099	15,786	16,230	-923
Total Non-Interest Expense	360,936	274,954	181,856	133,650	87,567
EBT Excluding Unusual Items	252,788	148,559	110,017	36,658	81,128
Asset Writedown	-491	-4,941	-6,931	-11,452	11
Other Unusual Items	1,133	8,714	263	4,564	-101
Pretax Income	253,430	152,332	103,349	29,770	81,038
Income Tax Expense	61,016	30,094	22,417	9,010	17,670
Earnings From Continuing Operations	192,414	122,238	80,932	20,760	63,368
Minority Interest in Earnings	-15,396	159	-442	222	103
Net Income	177,018	122,397	80,490	20,982	63,471
Net Income to Common	177,018	122,397	80,490	20,982	63,471
Net Income Growth	44.63%	52.06%	283.62%	-66.94%	43.57%
Basic Shares Outstanding	2,570	2,153	1,987	1,987	1,972
Diluted Shares Outstanding	2,666	2,273	2,036	2,050	2,016
Shares Change (YoY)	17.30%	11.61%	-0.66%	1.71%	2.01%
EPS (Basic)	68.87	56.85	40.51	10.56	32.18
EPS (Diluted)	66.39	53.85	39.52	10.23	31.49
EPS Growth	23.29%	36.25%	286.17%	-67.50%	40.74%
Dividend Per Share	14.900	12.450	-	-	1.782
Dividend Growth	19.68%	-	-	-	-69.43%
Effective Tax Rate	24.08%	19.76%	21.69%	30.26%	21.80%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.