2015 Annual Report

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Consolidated statement of profit or loss

Year ended 31 December
in billions of Russian Roubles Note 2015 2014
Interest income 25 2,279.6 1,837.9
Interest expense 25 (1,253.2) (785.1)
Deposit insurance expenses 25 (38.4) (33.1)
Net interest income 988.0 1,019.7
Net provision charge for impairment of debt financial assets 10,13 (475.2) (361.4)
Net interest income after provision charge for impairment of debt financial assets 512.8 658.3
Fee and commission income 26 384.1 306.4
Fee and commission expense 26 (65.1) (47.2)
Net gains / (losses) arising from trading securities 5.8 (7.1)
Net gains / (losses) arising from securities designated as at fair value through profit or loss 12.5 (8.4)
Net gains arising from investment securities available-for-sale 4.8 6.2
Impairment of investment securities available-for-sale (0.1) (0.8)
Net gains arising from trading in foreign currencies, operations with foreign currency derivatives and foreign exchange translation 27 83.1 8.1
Net losses arising from operations with precious metals, precious metals derivatives and precious metals accounts translation (1.0) (18.8)
Net gains arising from operations with other derivatives 8.4 27.0
Impairment of fixed assets and intangible assets 14,16 (2.8) (0.3)
Goodwill impairment 16 (6.0) (1.2)
Losses on initial recognition of financial instruments and on loans restructuring (6.2)
Net charge for other provisions 16,22 (6.3) (18.4)
Revenue of non-banking business activities 28 24.4 27.5
Cost of sales and other expenses of non-banking business activities 28 (25.4) (31.2)
Revenue from insurance and pension fund operations 29 216.1 61.7
Expenses related to insurance and pension fund operations 29 (206.9) (31.0)
Other net operating income 22.4 8.5
Operating income 954.6 939.3
Operating expenses 30 (623.4) (565.1)
Profit before tax 331.2 374.2
Income tax expense 31 (108.3) (83.9)
Profit for the year 222.9 290.3
Attributable to:
— shareholders of the Bank 223.3 292.2
— non-controlling interest (0.4) (1.9)
Earnings per ordinary share attributable to the shareholders of the Bank, basic and diluted 32 10.36 13.45
(expressed in RUB per share)