FSA defines the quota of provisions in the loan portfolio of banks in Kazakhstan on June 1, 2009

/IRBIS, June 7, 2009/ - the Agency of the Republic of Kazakhstan on regulation and supervision of financial market and financial organizations (FSA) published on its official website (www.afn.kz) the following information: Quotation start According to the stress-test on basis of regular financial statements, there was defined the quota of provisions in the loan portfolio of banks on June 1, 2009. The amount of provisions on loan portfolio was increased by reducing the retained profit of bank to the level that the bank complies with standards of capital adequacy k1 and k2. This calculation takes into account the reduction of retained net profit as well as undistributed profits of previous years and does not take into account the amount of perpetual financial instruments and subordinated debt included in the calculation of equity capital in accordance with the requirements of the Regulations, approved by the Board of the Agency of September 30, 2005 # 358. ----------------------------------------------------------------------------- Actual data on June 1, 2009 Stress-test ------------------------------------- ------------- Limited Provisions Percent of percent of Loan in provisions provisions # Bank Portfolio, loan in loan in billion portfolio, portfolio, % loan tenge billion portfolio, % tenge -- ---------------------- ----------- ----------- ------------- ------------- 1 Kazkommertsbank 2,516.10 540.2 21.50% 25,90% 2 Halyk Savings Bank of 1,304.40 209.2 16.00% 23,60% Kazakhstan 3 ATF Bank 908.7 115 12.70% 18,10% 4 Bank CenterCredit 700.8 81.1 11.60% 19,00% 5 Nurbank 251.8 15.9 6.30% 11,60% 6 KASPI BANK 213.4 21 9.80% 14,80% 7 Eurasian Bank 164.5 7.8 4.80% 13,20% 8 TsesnaBank 101.6 6.9 6.80% 12,30% 9 Subsidiary Bank 80.7 6.3 7.80% 41,90% Sberbank of Russia JSC 10 Subsidiary Bank HSBC 56.7 0.1 0.30% 4,80% Bank Kazakhstan 11 Kazinvestbank 56.1 3.7 6.60% 14,40% 12 SB RBS (Kazakhstan) 55.0 2.5 4.50% 26,00% 13 Eximbank 46.8 3.9 8.40% 22,60% Kazakhstan JSC 14 Zhilstroisberbank 36.6 1.3 3.50% 34,30% Kazakhstan 15 Citybank 33.5 0.6 1.90% 6,80% Kazakhstan 16 Delta Bank 19.4 0.9 4.80% 28,60% 17 SB ALFA-BANK 17.6 2.5 14.10% 39,80% 18 Bank Astana-Finance 12.8 0.5 4.10% 31,90% 19 Home Credit Bank 10.2 4.2 41.40% 67,10% 20 Bank Positive 5.2 0.8 15.00% 95,00% Kazakhstan 21 SB KZIBANK 4.4 0.7 15.50% 66,40% 22 METROCOMBANK 3.5 0.3 9.80% 44,20% 23 AsiaCredit Bank 3.4 0.1 2.00% 77,40% 24 Zaman-Bank 3.2 0.2 4.80% 85,10% 25 SB TAIB 2.3 0 1.90% 95,60% KAZAKH BANK 26 Senim-Bank 2.3 0.1 3.50% 87,90% 27 Danabank 2.2 0.8 35.10% 79,30% 28 Masterbank 1.7 0.1 3.30% > 100% 29 Express Bank 1.7 0 1.50% 90,40% 30 SB Bank of Chine 1.1 0 1.00% 8,70% in Kazakhstan 31 Kazincombank 0.9 0.04 4.20% > 100% 32 SB NB of 0.5 0.003 0.60% > 100% Pakistan in Kazakhstan 33 Shinhan 0 0 - - Bank Kazakhstan 34 TPB China in Almaty 0 0 - - by bank system* 6,619,00 1,026.80 15.50% 21.00% ----------------------------------------------------------------------------- * BTA Bank, Alliance Bank, SC BTA BANK-TEMIRBANK are not included. Quotation end [2009-07-07]