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Ukrsibbank Ukrgasbank Raiffeisen Bank Aval 2016 2015 2016 2015 2016 2015 Interest income 142 157 193 134 232 237 Interest expence -44 -65 -167 -106 -58 -86 Net interest income 98 93 25 28 174 151 Net commission 46 61 12 8 67 65 income Trading&other income 20 12 -0 -1 30 25 Employee costs -38 -40 -20 -16 -53 -50 Depreciation -6 8 -4 -2 -12 -13 Administrative and -23 -29 -22 -18 -50 -50 other operating costs Other provisions 0 0 -1 +5 9 0 General & Admin. -67 -76 -48 -41 -124 -113 Expenses Pre Provision Income 98 90 -11 -5 147 129 Provision for loan -127 -93 20 17 1 -191 impairment Profit before tax -33 1 9 12 147 -62 Income tax expense -2 -0 1 -2 -13 7 Net profit -35 1 10 10 134 -55 21 HOUSE_OVERSIGHT_026154