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par TCS Group Holding PLC (isin : US87238U2033)

TCS Group Holding PLC reports IFRS results for 4Q and FY 2022

TCS Group Holding PLC (TCS)
TCS Group Holding PLC reports IFRS results for 4Q and FY 2022

15-March-2023 / 19:40 MSK
The issuer is solely responsible for the content of this announcement.


THIS ANNOUNCEMENT CONTAINS INSIDE INFORMATION

 

TCS Group Holding PLC reports IFRS results for 4Q and FY 2022

 

  • Total revenues grew 34% to RUB 366.2 bn in FY’22 (FY’21: RUB 273.9 bn)
  • Total customers reached 28.9 mn in FY’22 (FY’21: 20.8 mn)
  • Non-credit business lines amounted to 52% of revenues
  • ROE was 10.9% in FY’22, reaching 21.5% in 4Q

 

LIMASSOL, CYPRUS — 15 March 2023. TCS Group Holding PLC (MOEX: TCSG) (“TCS”, “We”, the "Group", the “Company”), a leading provider of financial and lifestyle services via its digital ecosystem, today announces its consolidated IFRS results for the three months and twelve months ended 31 December 2022.

KEY PERFORMANCE METRICS

Key metrics, mn

4Q'22

3Q'22

4Q'21

Q-o-Q Change, %

Y-o-Y Change, %

Total customers

28.9

26.3

20.8

9.9%

39%

Active customers

20.2

18.3

14.5

10.4%

39%

Monthly active users (MAU)

22.5

20.6

15.4

9.2%

46%

Daily active users (DAU)

9.3

8.7

5.8

6.9%

60%

 

 

FINANCIAL AND OPERATING REVIEW
 

RUB bn

4Q’22

4Q’21

3Q’22

FY’22

FY’21

Interest income

53.2

45.8

16%

50.9

4%

205.8

163.8

26%

Interest expense

-12.4

-10.4

19%

-14.2

13%

-61.9

-31.2

98%

Net interest income

40.8

35.4

+15%

36.7

11%

143.9

132.6

+9%

Net interest income after provisions

24.3

28.5

-15%

18.4

32%

76.4

110.9

-31%

Fee and commission income

28.8

27.5

5%

27.8

4%

125.1

86.1

45%

Fee and commission expense

-9.2

-11.6

-21%

-9.1

1%

-41.0

-38.8

6%

Net fee and commission Income

19.6

15.9

23%

18.7

5%

84.1

47.3

78%

Total operating expenses

-42.0

-32.7

28%

-34.1

23%

-139.3

-102.9

35%

Profit before tax

14.7

21.9

-33%

9.1

62%

29.8

81.0

-63%

Net profit

10.7

16.6

-36%

5.9

81%

20.8

63.4

-67%

 

 

 

 

 

 

 

 

 

Ratios

4Q’22

4Q’21

3Q’22

FY’22

FY’21

Return on equity

21.5%

39.2%

-17.7 p.p.

12.2%

9.3 p.p.

10.9%

42.5%

-31.6 p.p.

Net interest margin

13.4%

13.7%

-0.3 p.p.

12.7%

0.6 p.p.

12.2%

15.1%

-2.9 p.p.

Cost of risk

9.3%

4.9%

+4.3 p.p.

11.3%

-2 p.p.

9.9%

4.5%

+5.4 p.p.

 

 

RUB bn

31 Dec 2022

31 Dec 2021

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