Key figures and
ratios under IFRS
   

(in UAH bn) 1H 2014 1H 2013 YoY, %
Net interest income before provision 3,10 2,66 16,5
Net interest income 2,48 1,60 55,0
Net fee and comission income 0,610,5510,9
Operating income2,232,24-0,4
Operating expenses1,911,6118,6
Profit before income tax0,320,64-50,0

(in UAH bn) 1H 2014 YE 2013 YTD, %
Total assets 108,1 101,7 6,3
Loans to customers 63,252,221,1
Customer accounts43,746,4-5,8
Total equity 18,8 19,2 -2,1
Share capital17,517,50,0

% 1H2014 YE 2013 YE 2012
ROAE 2,3* 3,9 3,8
ROAA0,4*0,80,8
Tier 1 ratio20,323,225,1
Capital Adequacy Ratio (CAR) 21,524,727,9
Net Interest margin 5,6* 5,7 6,4

*annualized