Key Financial data
| Selected financial indicators (RUB bn), IFRS |
2017 |
2016 |
2017/2016 % |
2015 |
| Net interest income (before provision for impairment of losses of loans to customers) |
15.0 |
17.2 |
-12.7 |
19.5 |
| Net non-interest income |
6.1 |
4.8 |
26.7 |
5.3 |
| Operating income (before provision for impairment of losses of loans to customers) |
21.1 |
22.0 |
-4.1 |
24.8 |
| Net profit / loss |
2.1 |
2.6 |
-17.4 |
-4.3 |
| Assets |
123.8 |
120.1 |
3.1 |
128.3 |
| Net loans and advances to customers |
73.8 |
68.3 |
8.1 |
79.7 |
| — to individuals |
58.2 |
56.7 |
2.7 |
70.2 |
| — to legal entities |
15.6 |
11.5 |
35.8 |
9.5 |
| Customer accounts |
86.7 |
79.7 |
8.8 |
82.8 |
| — due to individuals |
60.7 |
56.2 |
8.0 |
59.3 |
| — due to legal entities |
26.0 |
23.5 |
10.6 |
23.5 |
| Total equity |
25.7 |
23.6 |
9.2 |
20.9 |
| Main ratios (%) |
| Net Interest Margin*** |
12.3 |
13.9 |
-1.6 |
13.2 |
| ROAA |
1.8 |
2.1 |
-0.4 |
-6.7 |
| ROAE |
8.7 |
11.8 |
-3.5 |
-40.7 |
| Total capital adequacy ratio (N1.0 ratio)** |
16.0 |
15.5 |
0.5 |
13.3 |
* Annualised.
** In accordance with the requirements of the Bank of Russia.
*** Net interest income before provision for impairment losses on interest bearing assets / average assets in a period.
