Key Financial Ratios

                     Balance sheet items (KZT '000)    
  2010 2011 2012 2013 2014 2015  
Total Assets 356,889,583 369,361,393 470,510,559 558,633,408 808,602,084 988,996,136  
Total Liabilities 331,298,925 337,479,752 422,726,356 529,815,044 741,914,052 909,904,424  
Total Capital 25,590,658 31,881,641 47,784,203 58,818,364 66,688,032 79,091,712  
     
                          Income statement items (KZT '000)    
  2010 2011 2012 2013 2014 2015  
Interest Income 28,593,157 38,088,634 50,387,551 69,302,876 80,075,139 91,682,285  
Interest expenses 22,560,481 19,445,412 23,450,884 29,489,203 39,862,264 48,627,602  
Net Interest Income 6,032,676 18,643,222 26,936,667 37,585,659 40,212,875 43,054,683  
Net income 554,195 6,046,738 9,832,053 13,146,181 11,423,630 3,968,652  
     
Key financials ratios    
  2010 2011 2012 2013 2014 2015  
ROAA (%) 0,2 1,7 2,3 2.5 1,6 0,4  
ROAE (%) 2,2 21,0 24,7 24.7 18,2 5,4  
Cost/Income 75,7 52,2 55,0 50.5 54,7 55,3  
NIM 2,3 6,1 7,7 8.8 7,2 5,7  
NPLs/Gross Loans 9,4 7,6 6,9 9.9 8,5 10.1  
k1-1(NBRK)* 7,1% 6,2% 7,5% 7.2 6,7 8,1  
k1-2(NBRK)* 9,4% 6,6% 8,0% 8.6 7,4 8,1  
k2 (NBRK)* 14,2% 11,8% 13,0% 15.9 11,7 10,3  

 

All figures are calculated in accordance with KPMG-audited consolidated financial statements under International Financial Reporting Standards, unless otherwise stated.
 
* As at 31 December 2015 the minimum level of ratios as applicable to the Bank are as follows:
- k1 – not less than 5%
- k1-2 – not less than 6%
- k2 – not less than 7.5%