United Credit Systems Income Statement

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

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Interest Income on Loans	-	-	20.97	-	168
Total Interest Income	-	-	20.97	-	168
Interest Paid on Deposits	-	-	0.07	-	2
Net Interest Income	58.89	26.45	20.91	733	166
Net Interest Income Growth (YoY)	122.62%	26.53%	-97.15%	341.57%	-98.21%
Gain (Loss) on Sale of Assets	-1.69	-	-	-210	-73
Gain (Loss) on Sale of Investments	-550.69	-355.9	3,358	81	7,097
Gain (Loss) on Sale of Equity Investments	-	-	0	199	2,427
Other Non-Interest Income	2,684	1,897	2,011	14	-2
Total Non-Interest Income	2,131	1,541	5,369	84	9,449
Non-Interest Income Growth (YoY)	38.30%	-71.30%	6291.36%	-99.11%	48.27%
Revenues Before Loan Losses	2,190	1,567	5,390	817	9,615
Provision for Loan Losses	-	-	-	8	535
Revenue	2,190	1,567	5,390	809	9,080
Revenue Growth (YoY)	39.73%	-70.92%	566.21%	-91.09%	34.26%
Salaries and Employee Benefits	-	-	-	44	99
Selling, General & Administrative	81.42	55.86	46.55	32	22
Other Non-Interest Expense	317.12	184.21	4,019	-	-
Total Non-Interest Expense	398.54	240.07	4,066	76	121
EBT Excluding Unusual Items	1,791	1,327	1,324	733	8,959
Pretax Income	1,791	1,327	1,324	733	8,959
Income Tax Expense	209.74	237.63	273.94	88	-115
Earnings From Continuing Operations	1,582	1,090	1,050	645	9,074
Net Income	1,582	1,090	1,050	645	9,074
Net Income to Common	1,582	1,090	1,050	645	9,074
Net Income Growth	45.16%	3.80%	62.76%	-92.89%	-
Basic Shares Outstanding	24	24	-	24	24
Diluted Shares Outstanding	24	24	-	24	24
EPS (Basic)	66.69	45.94	-	27.19	382.55
EPS (Diluted)	66.69	45.94	-	27.19	382.55
EPS Growth	45.16%	-	-	-92.89%	-
Effective Tax Rate	11.71%	17.90%	20.70%	12.01%	-

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