Statement of financial position (RUB mln) 3Q 2017 2016 2015
Assets 1,780,138 1,567,969 1,208,201
Net loans to customers, including 783,456 626,535 593,065
     Loans to corporate clients   695,234   533,470   482,423
     share   89%   85%   81%
     Loans to individuals   88,222   93,065   110,642
     share   11%   15%   19%
Securities portfolio 133,987 129,812 159,540
Liabilities 1,620,728 1,464,568 1,115,862
Deposits by customers, including 958,717 689,496 898,692
     Deposits by corporate clients   677,152   440,842   697,763
     share   71%   64%   78%
     Deposits by individuals   281,565   248,654   200,929
      share   29%   36%   22%
Deposits by credit institutions 526,238 628,794 88,705
Debt securities issued 123,085 137,203 121,155
Total equity 159,410 103,40 92,338

Statement of comprehensive income (RUB mln) 9m 2017 9m 2016 9m 2015
Interest income 92,185 84,066 61,136
Interest expense -60,608 -52,705 -43,446
Provision for impairment of loans -10,414 -24,047 -14,585
Net interest income 21,163 7,314 3,105
Fee and commission income 11,614 9,470 6,439
Operating income after provisions 32,956 20,771 9,333
Operating expense -12,133 -10,096 -7,387
Net income 16,075 8,342 1,535

Ratios 3Q2017 2016 2015
NPL (90+), % 1.7 2.3 5.1
RoAA, % 1.3 0.8 0.2
RoAE, % 19.4 11.1 2.1
Net interest margin, % 2.8 3.3 3.9
Cost to Income ratio,% 28.4 24.6 26.4
BIS Tier 1 CAR 14.2 9.4 9.2
BIS Total CAR 23.2 14.7 16.5