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International Public Joint-Stock Company T-Technologies (TCS) investor relations material

International Public Joint-Stock Company T-Technologies Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary19 Nov, 2025

Executive summary

  • Total assets increased to RR 5,700,358 million as of 30 September 2025, up from RR 5,118,041 million at year-end 2024.

  • Profit for the nine months ended 30 September 2025 was RR 120,352 million, a 44% increase year-over-year.

  • Comprehensive income attributable to shareholders reached RR 125,164 million for the period.

  • The group completed significant business combinations, including acquiring control over Catalytic and a majority interest in Tochka.

Financial highlights

  • Net interest income for nine months was RR 368,775 million, up from RR 254,561 million year-over-year.

  • Fee and commission income rose to RR 167,689 million, compared to RR 125,958 million in the prior year.

  • Credit loss allowance for loans to customers and related commitments was RR 126,029 million, up from RR 85,948 million year-over-year.

  • Earnings per share (basic) for the nine months were RR 451.43, up from RR 415.64 year-over-year.

  • Total equity increased to RR 746,610 million from RR 521,437 million at year-end 2024.

Outlook and guidance

  • The group maintains strong capital and liquidity positions, with capital adequacy ratios above regulatory requirements.

  • Management expects to absorb operational impacts from potential economic disruption and market volatility.

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Frequently asked questions

TCS Group Holding PLC operates as a provider of online financial and lifestyle services, offering digital banking, insurance, and investment products. The company primarily serves retail clients through its flagship online bank and associated platforms. TCS Group operates within the financial services and technology sectors. The company is headquartered in Limassol, Cyprus, and its shares are listed on the LSE.

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