Statement of financial position (RUB mln) 1H 2017 2016 2015
Assets 1 588 967 1 567 969 1 208 201
Net loans to customers, including 718 165 626 535 593 065
     Loans to corporate clients   628 662   533 470   482 423
     share   88%   85%   81%
     Loans to individuals   89 543   93 065   110 642
     share   12%   15%   19%
Securities portfolio 156 828 129 812 159 540
Liabilities 1 434 592 1 464 568 1 115 862
Deposits by customers, including 804 148 689 496 898 692
     Deposits by corporate clients   529 414   440 842   697 763
     share   66%   64%   78%
     Deposits by individuals   274 734   248 654   200 929
      share   34%   36%   22%
Deposits by credit institutions 479 243 628 794 88 705
Debt securities issued 140 510 137 203 121 155
Total equity 154 375 103 40 92 338

Statement of comprehensive income (RUB mln) 6m 2017 6m 2016 6m 2015
Interest income 60 292 55 976 38 700
Interest expense -39 584 -35 514 -28 278
Provision for impairment of loans -7 377 -16 229 -8 482
Net interest income 13 331 4 233 1 939
Fee and commission income 8 019 6 314 4 300
Operating income after provisions 21 309 12 834 6 325
Operating expense -8 345 -6 512 -4 811
Net income 10 008 5 067 1 195

Ratios 1H 2017 2016 2015
NPL (90+), % 1.9 2.3 5.1
RoAA, % 1.3 0.8 0.2
RoAE, % 18.5 11.1 2.1
Net interest margin, % 2.9 3.3 3.9
Cost to Income ratio,% 29.2 24.6 26.4
BIS Tier 1 CAR 14.3 9.4 9.2
BIS Total CAR 21.8 14.7 16.5