Statement of financial position (RUB ths) 9m2016 2015 2014
Assets 1,311,949,358 1,208,200,628 584,838,992
Net loans to customers, including 616,382,879 593,065,265 378,014,328
     Loans to corporate clients   518,760,048   482,423,222   257,551,451
     share   84%   81%   68%
     Loans to individuals   97,622,831   110,642,043   120,462,877
     share   16%   19%   32%
Securities portfolio 122,286,278 159,539,898 60,976,236
Liabilities 1,210,606,308 1,115,862,166 524,851,502
Deposits by customers, including 856,724,292 898,692,231 334,852,198
     Deposits by corporate clients   629,770,476   697,763,224   171,452,228
     share   74%   78%   51%
     Deposits by individuals   226,953,816   200,929,007   163,399,970
      share   26%   22%   49%
Deposits by credit institutions 239,152,141 88,704,560 65,897,384
Debt securities issued 107,437,938 121,154,765 118,621,304
Total equity 101,343,050 92,338,462 59,987,490

Statement of comprehensive income (RUB ths) 9m2016 9m2015 9m2014
Interest income 84,066,256 61,135,801 41,133,253
Interest expense -52,704,924 -43,445,525 -23,512,980
Provision for impairment of loans -24,046,848 -14,585,203 -7,013,952
Net interest income 7,314,484 3,105,073 10,606,321
Fee and commission income 9,470,474 6,439,410 6,318,731
Operating income after provisions 20,771,463 9,333,380 15,305,997
Operating expense -10,096,047 -7,387,028 -6,813,227
Net income 8,342,134 1,535,248 6,370,757

Ratios 9m2016 2015 2014
NPL (90+), % 4.8 5.1 2.3
RoAA, % 0.9 0.2 1.1
RoAE, % 11.5 2.1 10.1
Net interest margin, % 3.6 3.9 5.8
Cost to Income ratio,% 23.0 26.4 33.9
BIS Tier 1 CAR 10.7 9.2 10.5
BIS Total CAR 17.4 16.5 15.8