United Credit Systems (MOEX:UCSS)

United Credit Systems Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Interest Income on Loans	-	20.97	-	168	29,055
Interest Income on Investments	-	-	-	-	499
Total Interest Income	-	20.97	-	168	29,554
Interest Paid on Deposits	-	0.07	-	2	20,271
Net Interest Income	26.45	20.91	733	166	9,283
Net Interest Income Growth (YoY)	26.53%	-97.15%	341.57%	-98.21%	-37.93%
Gain (Loss) on Sale of Assets	-	-	-210	-73	406
Gain (Loss) on Sale of Investments	983.73	3,358	81	7,097	2,190
Gain (Loss) on Sale of Equity Investments	-	0	199	2,427	-2,603
Other Non-Interest Income	1,897	2,011	14	-2	6,380
Total Non-Interest Income	2,881	5,369	84	9,449	6,373
Non-Interest Income Growth (YoY)	-46.35%	6291.36%	-99.11%	48.27%	124.80%
Revenues Before Loan Losses	2,907	5,390	817	9,615	15,656
Provision for Loan Losses	-	-	8	535	8,893
Revenue	2,907	5,390	809	9,080	6,763
Revenue Growth (YoY)	-46.06%	566.21%	-91.09%	34.26%	-
Salaries and Employee Benefits	-	-	44	99	2,611
Selling, General & Administrative	55.86	46.55	32	22	3,570
Other Non-Interest Expense	1,524	4,019	-	-	-1,184
Total Non-Interest Expense	1,580	4,066	76	121	4,997
EBT Excluding Unusual Items	1,327	1,324	733	8,959	1,766
Pretax Income	1,327	1,324	733	8,959	1,766
Income Tax Expense	237.63	273.94	88	-115	1,004
Earnings From Continuing Operations	1,090	1,050	645	9,074	762
Minority Interest in Earnings	-	-	-	-	-1,904
Net Income	1,090	1,050	645	9,074	-1,142
Net Income to Common	1,090	1,050	645	9,074	-1,142
Net Income Growth	3.80%	62.76%	-92.89%	-	-
Basic Shares Outstanding	24	-	24	24	24
Diluted Shares Outstanding	24	-	24	24	24
EPS (Basic)	45.94	-	27.19	382.55	-48.15
EPS (Diluted)	45.94	-	27.19	382.55	-48.15
EPS Growth	-	-	-92.89%	-	-
Effective Tax Rate	17.90%	20.70%	12.01%	-	56.85%

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