Quality of assets and conditional liabilities of Kazakhstan commercial banks as on June 1, 2009
/IRBIS, June 25, 09/ - IRBIS Information Agency of Financial Markets (Almaty) compiled ranking of second tier banks (STB) of Kazakhstan on the level of "toxic" assets in total volume of assets and conditional liabilities as on June 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 (AFS).
According to AFS as on June 1, 2009 the banking sector of Republic of Kazakhstan is presented by 37 second tier 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 Jun. 1, 09 May 1, 08 Jan. 1, 09
-- --------------------------- ------- ---------- --------- ----------
1 Alliance Bank JSC 1,555.4 43.6 9.0 2.5
2 BTA Bank JSC 4,715.2 37.2 12.8 3.9
3 Home Credit Bank JSC 12.3 29.4 25.6 22.1
4 Danabank JSC 3.2 25.1 25.3 23.0
5 Kazkommertsbank JSC 3,005.0 15.9 15.3 8.8
6 ATFBank JSC 1,130.1 12.3 10.5 7.0
7 SB KZI Bank JSC 7.6 8.4 10.5 7.7
8 Halyk saving bank of
Kazakhstan JSC 2,001.0 7.9 8.0 4.7
9 Temirbank JSC 448.4 7.2 6.1 3.1
10 METROCOMBANK JSC 5.1 6.5 9.2 8.8
11 Kaspi Bank JSC 294.0 5.9 6.7 6.0
12 Bank CenterCredit JSC 1,197.4 5.5 5.4 3.8
13 SB Alfa-Bank JSC 39.1 5.4 7.7 2.5
14 Sberbank SB JSC 121.4 5.3 4.6 4.7
15 Bank Pozitiv Kazakhstan JSC 15.1 4.8 4.8 1.8
16 Tsesnabank JSC 155.8 4.4 4.2 4.0
17 Nurbank JSC 379.6 4.1 3.9 2.9
18 Eximbank Kazakhstan 62.4 4.0 4.0 3.2
19 Kazinvestbank JSC 77.9 3.6 3.7 3.9
20 Zhilstroisberbank
Kazakhstan JSC 64.2 3.3 3.1 1.3
21 Citibank Kazakhstan JSC 143.6 2.7 3.3 3.8
22 Express Bank JSC 1.9 2.4 2.4 1.2
23 Eurasian bank JSC 309.4 2.2 2.3 1.6
24 Zaman-Bank JSC 6.8 2.2 2.1 3.5
25 Delta Bank JSC 42.9 1.8 2.2 1.0
26 Bank "Astana-Finance" JSC 16.3 1.7 2.1 -
27 Senim-Bank JSC 2.8 1.5 1.4 1.2
28 SB TAIB Bank JSC 3.1 1.3 1.5 -
29 AsiaCredit Bank JSC 5.3 1.2 1.2 0.2
30 SB RBS (Kazakhstan) JSC 172.4 0.9 1.3 0.3
31 Kazincombank JSC 1.1 0.4 - -
32 NB Pakistan in Kazakhstan
SB JSC 1.3 0.2 0.5 3.6
33 HSBC Bank Kazakhstan SB JSC 125.9 - - -
34 TPB China in Almaty JSC 5.3 - - -
35 Masterbank JSC 2.3 - - -
36 Shinhan Bank Kazakhstan JSC 5.5 - - -
37 SB Bank of China in
Kazakhstan JSC 75.0 - - -
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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 (%)*:
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Main debt, provisions*,
# Banks bn. KZT % from the main debt
-- ----------------------------------- ---------- --------------------
1 Home Credit Bank JSC 3.6 109.1
2 Bank "Astana-Finance" JSC 0.3 103.7
3 SB NB Pakistan in Kazakhstan JSC 0.003 100.0
4 TPB China in Almaty JSC 0.00002 100.0
5 SB Alfa-Bank JSC 2.1 100.0
6 AsiaCredit Bank JSC 0.1 100.0
7 Senim-Bank JSC 0.04 99.3
8 Zaman-Bank JSC 0.1 99.2
9 METROCOMBANK JSC 0.3 98.5
10 Bank Pozitiv Kazakhstan JSC 0.7 98.2
11 SB RBS (Kazakhstan) JSC 1.5 94.2
12 BTA Bank JSC 1,752.6 92.1
13 Express Bank JSC 0.05 88.9
14 SB KZI Bank JSC 0.6 87.6
15 SB TAIB Bank JSC 0.04 86.5
16 Alliance Bank JSC 678.7 86.3
17 Danabank JSC 0.8 85.7
18 Sberbank SB JSC 6.5 85.1
19 Tsesnabank JSC 6.9 82.9
20 Kaspi Bank JSC 17.2 82.9
21 Halyk saving bank of Kazakhstan JSC 158.0 82.0
22 Bank CenterCredit JSC 66.3 78.4
23 Temirbank JSC 32.5 76.9
24 HSBC Bank Kazakhstan SB JSC 0.0 74.2
25 Eximbank Kazakhstan JSC 2.5 74.1
26 Nurbank JSC 15.5 70.8
27 Delta Bank JSC 0.8 70.6
28 Zhilstroisberbank Kazakhstan JSC 2.1 69.8
29 Kazkommertsbank JSC 478.3 68.1
30 Eurasian bank JSC 6.8 67.0
31 ATFBank JSC 139.3 66.7
32 Kazinvestbank JSC 2.8 50.0
33 Kazincombank JSC 0.004 50.0
34 Citibank Kazakhstan JSC 3.9 15.3
35 Masterbank 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 a 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.
[2009-06-25]