Statement of financial position (RUB ths) 1H2016 2015 2014
Assets 1,221,771,281 1,208,200,628 584,838,992
Net loans to customers, including 574,817,327 593,065,265 378,014,328
     Loans to corporate clients   471,797,567   482,423,222   257,551,451
     share   82%   81%   68%
     Loans to individuals   103,019,760   110,642,043   120,462,877
     share   18%   19%   32%
Securities portfolio 151,677,145 159,539,898 60,976,236
Liabilities 1,123,343,880 1,115,862,166 524,851,502
Deposits by customers, including 941,812,959 898,692,231 334,852,198
     Deposits by corporate clients   731,482,510   697,763,224   171,452,228
     share   78%   78%   51%
     Deposits by individuals   210,330,449   200,929,007   163,399,970
      share   22%   22%   49%
Deposits by credit institutions 67,714,801 88,704,560 65,897,384
Debt securities issued 107,479,518 121,154,765 118,621,304
Total equity 98,427,401 92,338,462 59,987,490

Statement of comprehensive income (RUB ths) 6m2016 6m2015 6m2014
Interest income 55,975,909 38,699,742 25,991,479
Interest expense -35,513,680 -28,278,339 -15,106,530
Provision for impairment of loans -16,229,223 -8,482,034 -3,745,118
Net interest income 4,233,006 1,939,369 7,139,831
Fee and commission income 6,313,824 4,299,639 4,026,247
Operating income after provisions 12,833,751 6,325,238 10,510,729
Operating expense -6,512,291 -4,811,155 -4,767,430
Net income 5,067,381 1,194,749 4,243,418

Ratios 1H2016 2015 2014
NPL (90+), % 5.0 5.1 2.3
RoAA, % 0.8 0.2 1.1
RoAE, % 10.65 2.1 10.1
Net interest margin, % 3.5 3.9 5.8
Cost to Income ratio,% 22.5 26.4 33.9
BIS Tier 1 CAR 10.6 9.2 10.5
BIS Total CAR 17.6 16.5 15.8