Egidaco Investments PLC Group annual IFRS report for the year 2012

Egidaco Investments PLC Group has published the Consolidated Financial
Statements and Independent Auditor's Report for the year 2012.
Egidaco Investments PLC is pleased to announce the publication of its 2012
audited accounts. Egidaco's auditors PriceWaterhouseCoopers (PWC) have issued an
unqualified audit opinion on the company’s IFRS Consolidated Financial
Statements.
Tinkoff Credit Systems (TCS Bank) is a leading credit card company and a first
online bank in Russia. The bank was founded by the renowned Russian
entrepreneur, Oleg Tinkov. He was later joined by two financial investors,
Goldman Sachs (in 2007) and Vostok Nafta (in 2008). In 2012 Baring Vostok
Private Equity Fund IV and Horizon Capital’s Emerging Europe Growth Fund II also
became shareholders. Based in Moscow, TCS Bank issues credit cards to customers
in all of Russia's regions, including smaller, underserved cities. TCS operates
a branchless model, attracting customers online and through direct mail, and
servicing customers through its cutting edge Internet bank and call centre.
TCS’s credit card market share is almost 7% in 2012 with over 2,5 million credit
cards issued and over 1,5 billion dollars in assets.