Key Financial data

Selected financial indicators (RUB bn), IFRS 2016 2015 2016/2015 % 2014
Net interest income (before provision for impairment of losses of loans to customers) 17.2 19.5 -12.0 25.8
Net non-interest income 4.8 5.3 -9.0 4.7
Operating income (before provision for impairment of losses of loans to customers) 22.0 24.8 -11.3 30.4
Net profit / loss 2.6 -4.3 160.9 -1.8
Assets 120.1 128.3 -6.4 168.7
Net loans and advances to customers 68.3 79.7 -14.3 108.3
- to individuals 56.7 70.2 -19.2 101.1
- to legal entities 11.5 9.5 21.1 7.2
Customer accounts 79.7 82.8 -3.7 92.6
- due to individuals 56.2 59.3 -5.2 63.7
- due to legal entities 23.5 23.5 0.0 29.0
Total equity 23.6 20.9 12.4 25.1
Main ratios (%)
Net Interest Margin* 13.9 13.2 0.7 16.5
ROAA 2.1 -2.9 5.0 -1.1
ROAE 11.8 -18.5 30.3 -6.8
Total capital adequacy ratio (N1.0 ratio)** 15.5 13.3 2.2 12.1

* Net interest income before provision for impairment losses on interest bearing assets / average assets in a period

** In accordance with the requirements of the Bank of Russia