United Credit Systems Ratios and Metrics

Market cap in millions RUB. Fiscal year is January - December.

Millions RUB. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019	2014 - 2018
Period Ending	Jul '22 Jul 7, 2022	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
Market Capitalization	16,722	16,722	16,722	16,722	33,444	35,104	Upgrade
Market Cap Growth	-	-	-	-50.00%	-4.73%	117.65%	Upgrade
Last Close Price	705.00	705.00	705.00	705.00	1410.00	1480.00	Upgrade
PE Ratio	10.57	10.57	15.35	15.93	51.85	3.87	Upgrade
PS Ratio	7.64	7.64	10.67	3.10	41.34	3.87	Upgrade
PB Ratio	0.71	0.71	0.77	0.81	1.80	1.95	Upgrade
P/FCF Ratio	-	7399.02	-	-	-	-	Upgrade
P/OCF Ratio	7399.02	7399.02	-	-	-	-	Upgrade
Return on Equity (ROE)	6.99%	6.99%	5.12%	-	3.52%	68.36%	Upgrade
Return on Assets (ROA)	6.86%	6.86%	5.05%	-	3.44%	67.21%	Upgrade
Earnings Yield	9.46%	9.46%	6.52%	6.28%	1.93%	25.85%	Upgrade
FCF Yield	-	0.01%	-0.08%	-0.47%	-31.12%	-3.94%	Upgrade

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