Statement of financial position (RUB mln) 3m 2017 2016 2015
Assets 1 488 722 1 567 969 1 208 201
Net loans to customers, including 642 665 626 535 593 065
     Loans to corporate clients   553 043   533 470   482 423
     share   86%   85%   81%
     Loans to individuals   89 622   93 065   110 642
     share   14%   15%   19%
Securities portfolio 113 646 129 812 159 540
Liabilities 1 380 803 1 464 568 1 115 862
Deposits by customers, including 760 531 689 496 898 692
     Deposits by corporate clients   500 395   440 842   697 763
     share   66%   64%   78%
     Deposits by individuals   260 136   248 654   200 929
      share   34%   36%   22%
Deposits by credit institutions 488 168 628 794 88 705
Debt securities issued 123 553 137 203 121 155
Total equity 107 919 103 40 92 338

Statement of comprehensive income (RUB mln) 3m 2017 3m 2016 3m 2015
Interest income 31 130 27 494 18 878
Interest expense -13 905 -18 348 -20 708
Provision for impairment of loans -4 816 -7 149 -4 567
Net interest income 5 606 1 997 406
Fee and commission income 4 259 3 011 1 699
Operating income after provisions 9 455 5 223 2 556
Operating expense -3 506 -3 145 -2 191
Net income 4 593 1 658 289

Ratios 3m 2017 2016 2015
NPL (90+), % 1.9 2.3 5.1
RoAA, % 1.2 0.8 0.2
RoAE, % 17.4 11.2 2.1
Net interest margin, % 3.0 3.3 3.9
Cost to Income ratio,% 26.0 24.6 26.4
BIS Tier 1 CAR 10.7 9.4 9.2
BIS Total CAR 19.0 14.7 16.5