Quality of assets and conditional liabilities of Kazakhstan commercial banks as on January 1, 2009

/IRBIS, January 28, 09/ - IRBIS Information Agency of Financial Markets (Almaty) compiled ranking of second tier banks (STB), registered on the territory of Republic of Kazakhstan on the level of "toxic" assets in total volume of assets and conditional liabilities as on January 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 January 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. ----------------------------------------------------------------------- Stake of hopeless and doubtful of 5th category (%)*: Total ------------------------------- assets, As on As on As on # Banks bn. KZT Jan. 1, 09 Dec.1, 08 Jan. 1, 08 -- ---------------------------- ------- ---------- --------- ---------- 1 Danabank JSC 3.2 23.0 23.1 3.7 2 Home Credit Bank JSC 15.4 9.9 Х Х 3 Kazkommertsbank JSC 2,660.0 8.8 7.5 3.7 4 METROCOMBANK JSC 5.7 8.8 11.1 0 5 SB KZI BANK JSC 6.5 7.7 8.7 2.1 6 ATFBank JSC 1,065.1 7.0 9.4 2.0 7 Kaspi Bank JSC 259.4 6.0 5.9 3.7 8 SB Sberbank JSC 94.9 4.7 5.3 3.9 9 Halyk Savings Bank of Kazakhstan JSC 1,614.3 4.7 3.5 1.6 10 Tsesnabank JSC 155.0 4.0 2.2 2.1 11 Kazinvestbank JSC 70.6 3.9 0.4 0.5 12 BTA Bank JSC 3,643.6 3.9 3.6 0.7 13 Citibank Kazakhstan JSC 104.3 3.8 1.2 0.8 14 SB NB Pakistan in Kazakhstan JSC 1.9 3.6 5.4 5.1 15 Zaman-Bank JSC 3.3 3.5 1.4 6.3 16 Eximbank Kazakhstan JSC 56.7 3.2 1.6 0.9 17 Bank CenterCredit JSC 1,113.0 3.1 3.0 1.0 18 S BTA Bank JSC - Temirbank JSC 414.1 3.1 2.9 1.7 19 Nurbank JSC 369.5 2.9 3.9 3.7 20 SB Alfa-bank JSC 29.6 2.5 1.1 0.9 21 Alliance Bank JSC 1,298.1 2.5 2.4 1.8 22 Bank Positive Kazakhstan JSC 13.4 1.8 2.0 Х 23 Eurasian Bank JSC 261.9 1.6 2.3 1.6 24 Zhilstroisberbank Kazakhstan JSC 60.8 1.3 0.9 0.02 25 SENIM-BANK JSC 2.8 1.2 0.2 0.3 26 Express Bank JSC 1.9 1.2 5.4 18.5 27 Delta Bank JSC 30.3 1.0 1.9 1.5 28 SB RBS JSC (Kazakhstan) 197.2 0.3 0.2 0.1 29 SB Lariba-bank JSC 4.5 0.2 1.5 0.9 30 SB HSBC Bank Kazakhstan JSC 94.6 0.02 0.1 0.002 31 Astana-finance JSC 7.6 0 0 Х 32 Kazinkombank JSC 0.9 0 0 19.5 33 Masterbank JSC 2.7 0 0 0.0 34 TPBK JSC 5.6 0 0 0.0 35 Shinhan Bank Kazakhstan JSC 5.0 0 Х Х 36 SB TAIB Kazakh Bank JSC 2.8 0 0 0 37 SB Bank of China in Kazakhstan JSC 35.2 0 0 0 ----------------------------------------------------------------------- *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: --------------------------------------------------------------- Hopeless and doubtful of 5th category (%)*: ------------------------------- Main debt, provisions*, # Banks bn. KZT % from the main debt -- ---------------------------- ---------- -------------------- 1 SB NB Pakistan in Kazakhstan JSC 0.1 100.0 2 METROCOMBANK JSC 0.5 99.8 3 SB Lariba-bank JSC 0.01 99.6 4 Delta Bank JSC 0.3 96.2 5 S BTA Bank JSC - Temirbank JSC 12.9 91.8 6 Bank Positive Kazakhstan JSC 0.2 87.9 7 Danabank JSC 0.7 87.5 8 Alliance Bank JSC 32.4 86.9 9 SENIM-BANK JSC 0.03 86.7 10 Nurbank JSC 10.8 86.0 11 Tsesnabank JSC 6.2 85.6 12 BTA Bank JSC 141.0 85.2 13 Halyk Savings Bank of Kazakhstan JSC 75.9 84.8 14 SB KZI BANK JSC 0.5 84.4 15 SB HSBC Bank Kazakhstan JSC 0.0 82.4 16 ATFBank JSC 74.6 80.5 17 Kaspi Bank JSC 15.5 78.7 18 Kazkommertsbank JSC 234.5 77.8 19 Express Bank JSC 0.02 77.2 20 SB RBS JSC (Kazakhstan) 0.6 75.8 21 Eximbank Kazakhstan JSC 1.8 75.1 22 Bank CenterCredit JSC 34.7 70.1 23 SB Sberbank JSC 4.5 68.5 24 Eurasian Bank JSC 4.1 67.7 25 SB Alfa-bank JSC 0.8 66.5 26 Zaman-Bank JSC 0.1 65.6 27 Zhilstroisberbank Kazakhstan JSC 0.8 53.7 28 Kazinvestbank JSC 2.8 50.0 29 Home Credit Bank JSC 1.5 42.2 30 Citibank Kazakhstan JSC 4.0 17.0 31 Astana-finance JSC 0 Х 32 Kazinkombank JSC 0 Х 33 Masterbank JSC 0 Х 34 TPBK JSC 0 Х 35 Shinhan Bank Kazakhstan JSC 0 Х 36 SB TAIB Kazakh Bank JSC 0 Х 37 SB Bank of China in Kazakhstan JSC 0 Х --------------------------------------------------------------- *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. [2009-01-28]