Quality of assets and conditional liabilities of Kazakhstan Second level banks as on November 1, 2009
/IRBIS, November 24, 09/ - IRBIS Information Agency of Financial Markets (Almaty) compiled ranking of second level banks (STB) of Kazakhstan on the level of "no work" assets in total volume of assets and conditional liabilities as on November 1, 2009. The ranking is based on information, released at the official website of the Agency of Republic of Kazakhstan on Regulation and Supervision of Financial Market and Financial Organizations (FSA).
According to FSA as on November 1, 2009 the banking sector of Republic of Kazakhstan is presented by 37 second level banks. Below is the table, in which STB are ranked in accordance with the stake of hopeless and doubtful assets and conditional liabilities of 5th category from the total sum of assets.
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Stake of hopeless and
doubtful of 5th category (%)*:
Total -------------------------------
assets, As on As on As on
# Banks bn. KZT Nov. 1, 09 Oct 1, 08 Jan. 1, 09
-- ----------------------------- ------- ---------- --------- ----------
1 Alliance Bank JSC 651.9 77.99 48.14 2.50
2 BTA Bank JSC 2,584.2 77.76 47.50 3.87
3 Home Credit Bank JSC 1.7 42.19 23.71 23.01
4 Danabank JSC 272.8 39.18 19.18 3.11
5 Kazkommertsbank JSC 4.7 31.45 6.08 1.76
6 Temirbank JSC 8.9 29.35 26.00 22.13
7 ATFBank JSC 2,497.3 25.88 17.70 8.81
8 SB Alfa-Bank JSC 1.9 20.01 - -
9 METROCOMBANK JSC 4.5 18.47 5.38 7.67
10 Halyk saving bank of
Kazakhstan JSC 1,234.8 17.32 9.45 4.70
11 Bank Pozitiv Kazakhstan JSC 18.8 15.82 9.36 2.54
12 SB KZI Bank JSC 3.2 15.58 10.69 8.77
13 Kaspi Bank JSC 864.7 11.13 8.13 7.00
14 Bank CenterCredit JSC 672.8 10.68 6.38 3.77
15 Eximbank Kazakhstan 31.2 10.04 0.52 3.85
16 Tsesnabank JSC 87.0 9.48 3.95 4.74
17 Nurbank JSC 18.4 9.48 4.45 1.05
18 Zhilstroisberbank
Kazakhstan JSC 3.8 8.39 1.60 0.15
19 Delta Bank JSC 249.8 8.11 6.78 5.97
20 Kazinvestbank JSC 256.0 6.45 4.43 2.92
21 Bank "Astana-Finance" JSC 1.6 6.33 1.49 -
22 Zaman-Bank JSC 109.3 6.19 5.12 4.03
23 Sberbank SB JSC 38.4 5.60 1.20 0.29
24 Eurasian bank JSC 178.0 5.55 2.66 1.58
25 SB RBS (Kazakhstan) JSC 54.9 5.06 4.02 3.92
26 SB TAIB Bank JSC 11.2 4.64 3.99 -
27 Senim-Bank JSC 3.2 4.46 3.92 3.50
28 AsiaCredit Bank JSC 55.8 3.87 3.05 3.24
29 Citibank Kazakhstan JSC
41.9 3.83 3.46 1.30
30 HSBC Bank Kazakhstan SB JSC 59.2 2.14 0.82 0.02
31 Kazincombank JSC 2.1 1.60 1.08 1.19
32 SB VTB Bank (Kazakhsatan) JSC
0.8 0.34 0.12 3.59
33 NB Pakistan in Kazakhstan 1.2 0.27 0.22 -
SB JSC
34 Masterbank JSC 0.2 - - -
35 TPB China in Almaty JSC 0.02 - - -
36 Shinhan Bank Kazakhstan JSC 1.2 - - -
37 SB Bank of China in 0.1 - - -
Kazakhstan JSC
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* stake from total assets sum
Below is the list of STB, ranked by the cover level (sum of formed provisions) of the main debt on hopeless and doubtful assets and conditional liabilities of 5th category:
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Hopeless and
doubtful of 5th category (%)*:
-------------------------------
provisions*,
Main debt, % from the main debt
# Banks bn. KZT
-- ----------------------------------- ---------- --------------------
1 Home Credit Bank JSC 2.6 139.70
2 Kazincombank JSC 0.0 105.37
3 Zaman-Bank JSC 0.1 100.00
4 SB VTB Bank (Kazakhsatan) JSC 0.0 100.00
5 SB NB Pakistan in Kazakhstan JSC 0.0 100.00
6 AsiaCredit Bank JSC 1.3 99.77
7 Senim-Bank JSC 106.9 99.05
8 METROCOMBANK JSC 1.5 98.40
9 HSBC Bank Kazakhstan SB JSC 2.1 97.93
10 Alliance Bank JSC 2 009.4 97.75
11 SB KZI Bank JSC 0.5 97.52
12 BTA Bank JSC 508.4 94.78
13 Temirbank JSC 8.3 94.72
14 Sberbank SB JSC 0.8 87.09
15 Kaspi Bank JSC 96.2 85.28
16 Bank "Astana-Finance" JSC 20.3 85.06
17 Danabank JSC 2.2 83.25
18 Bank Pozitiv Kazakhstan JSC 2.8 82.10
19 Halyk saving bank of Kazakhstan JSC 6.8 81.65
20 Tsesnabank JSC 0.7 80.00
21 Bank CenterCredit JSC 3.0 76.50
22 Eximbank Kazakhstan JSC 71.9 74.89
23 ATFBank JSC 1.7 74.88
24 Zhilstroisberbank Kazakhstan JSC
0.3 72.67
25 Eurasian bank JSC 0.5 70.82
26 Nurbank JSC
213.9 70.49
27 Kazinvestbank JSC 646.3 65.25
28 Kazkommertsbank JSC 9.9 64.51
29 Delta Bank JSC 1.6 62.28
30 SB Alfa-Bank JSC 16.5 61.03
31 Citibank Kazakhstan JSC 0.4 50.00
32 SB RBS (Kazakhstan) JSC 0.1 45.26
33 SB TAIB Bank JSC 3.1 14.25
34 Masterbank JSC - -
35 TPB China in Almaty JSC - -
36 Shinhan Bank Kazakhstan JSC - -
37 Bank of China in Kazakhstan JSC - -
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* according to AFS, the level of provisions on doubtful assets of 5th category
shouldn't be less than 50.00 % from the sum of main debt (on homogeneous - from
25.01 % to 50.00 %), on hopeless - not less than 100.00 % (on homogeneous -
from 50.01 % to 100.00 %)
Notes
According to the rules of assets classification, conditional liabilities and creation of provisions (reserves) against them, established by the Resolution # 296 of the Board of AFS, dated December 25, 2006, credits are classified for standard, doubtful (1,2,3,4 and 5 categories) and hopeless. While classifying this or that loan, we use the following criteria:
1. financial condition (scale from 0 till +4);
2. delay on credit (from -1 till +4,5);
3. provision quality (from -3 till +2);
4. prolongation (form 0 till +1);
5. delay on other liabilities of loaner (from 0 till +1);
6. purposive utilization of credit (from 0 till +4);
7. debit debt before other creditors (from 0 till +2);
8. loaner's rating (from -3 till 0).
While determining the category of credit, the following criteria are of main importance: delay on credit(22 %), financial condition(15 %), provision quality (13 %) and other criteria (50 %).
The material given above is not an offer or recommendation to sell or buy shares on KASE. Nobody using the material while taking investment decisions makes IRBIS agency responsible for possible losses resulting from such decisions.
[2009-11-24]