Statement of financial position (RUB ths) 2016 2015 2014
Assets 1,567,968,622 1,208,200,628 584,838,992
Net loans to customers, including 626,535,060 593,065,265 378,014,328
     Loans to corporate clients   533,470,046   482,423,222   257,551,451
     share   85%   81%   68%
     Loans to individuals   93,065,014   110,642,043   120,462,877
     share   15%   19%   32%
Securities portfolio 129,812,018 159,539,898 60,976,236
Liabilities 1,464,568,047 1,115,862,166 524,851,502
Deposits by customers, including 689,495,720 898,692,231 334,852,198
     Deposits by corporate clients   440,842,162   697,763,224   171,452,228
     share   64%   78%   51%
     Deposits by individuals   248,653,558   200,929,007   163,399,970
      share   36%   22%   49%
Deposits by credit institutions 628,793,988 88,704,560 65,897,384
Debt securities issued 137,203,416 121,154,765 118,621,304
Total equity 103,400,575 92,338,462 59,987,490

Statement of comprehensive income (RUB ths) 2016 2015 2014
Interest income 113,398,443 89,210,510 58,183,385
Interest expense -73,099,118 -59,922,036 -32,300,883
Provision for impairment of loans -29,783,276 -26,035,950 -11,645,153
Net interest income 10,516,049 3,252,524 14,237,349
Fee and commission income 13,393,746 9,342,662 9,027,215
Operating income after provisions 28,953,627 13,190,380 16,644,352
Operating expense -15,219,091 -11,245,838 -9,626,814
Net income 10,873,617 1,509,471 5,569,333

Ratios 2016 2015 2014
NPL (90+), % 2.3 5.1 2.3
RoAA, % 0.8 0.2 1.1
RoAE, % 11.2 2.1 10.1
Net interest margin, % 3.3 3.9 5.8
Cost to Income ratio,% 24.6 26.4 33.9
BIS Tier 1 CAR 9.4 9.2 10.5
BIS Total CAR 14.7 16.5 15.8