United Credit Systems Cash Flow 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	2014 - 2018
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	2014 - 2018
Net Income	1,582	1,090	1,050	645	9,074	Upgrade
Depreciation & Amortization	0.12	0.04	0.02	-	-	Upgrade
Other Amortization	0.01	-	-	-	-	Upgrade
Change in Other Net Operating Assets	-	-	-	556	-1,328	Upgrade
Other Operating Activities	-1,580	-1,104	-1,129	-11,610	-9,131	Upgrade
Operating Cash Flow	2.26	-13.91	-79.25	-10,409	-1,385	Upgrade
Sale of Property, Plant and Equipment	-	-	-	8,966	-	Upgrade
Investment in Securities	-	-	-	1,691	1,724	Upgrade
Other Investing Activities	-	-	-	214	-	Upgrade
Investing Cash Flow	-	-	-	10,871	1,724	Upgrade
Issuance of Common Stock	0.03	-	-	-	-	Upgrade
Repurchase of Common Stock	-	-0.03	-	-	-	Upgrade
Financing Cash Flow	0.03	-0.03	-	-	-	Upgrade
Net Cash Flow	2.29	-13.94	-79.25	462	339	Upgrade
Free Cash Flow	2.26	-13.91	-79.25	-10,409	-1,385	Upgrade
Free Cash Flow Margin	0.10%	-0.89%	-1.47%	-1286.65%	-15.25%	Upgrade
Free Cash Flow Per Share	0.10	-0.59	-	-438.83	-58.39	Upgrade
Cash Income Tax Paid	409.65	266.81	252.47	136	8	Upgrade

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