Summary
6 5M2011
5M2011
Financial June 2011
2011 YTD 5M Financial Summary
(according to AFN results)
Key indicators
In KZT000
Total gross loans
Total loans (net of reserves)*
Total assets
Total capital
Pre provision net operating revenues
Total net income (loss)
(l
Total comprehensive income (loss), net of tax
Pre provision operating net income (loss), net of tax
Pre provisions comprehensive income (loss), net of tax
Headcount (ex maternity)
Net commission income/Pre provision net operating revenues
Cost/income ratio
Compensation/income ratio
Loans/deposit ratio
Gross loans/assets
Accrued interest / total loans
Interest income received in cash / Total interest income
Provisions/NPL (Coverage ratio ratio)
(Coverage ratio)
Number of client accounts
ROAE (YTD, annualized)
ROAC (YTD, annualized)
ROAA
NIM
* YTD Growth is 4.2%
5M10
190 704 386
167 644 377
369 288 242
23 266 674
4 710 562
1 717 373
759 326
127 698
1 085 745
2 215
21
21.6%
84.7%
37.2%
63.4%
51.6%
4.0%
86.1%
123.2%
242 855
17.4%
7.7%
1.2
1.2%
1.7%
5M11
245 571 614
221 664 182
326 623 979
28 008 113
9 048 316
2 013 360
2 457 866
2 473 738
2 918 244
2 011
011
13.6%
65.8%
28.4%
107.2%
75.2%
3.6%
95.9%
113.9%
438 838
17.9%
21.9%
1.3%
4.4%
% Change
YOY
28.8%
32.2%
11.6%
20.4%
92.1%
Profit
Profit
1837.2%
168.8%
9.2%
37.0%
22.3%
23.6%
69.1%
45.6%
9.4%
11.4%
7.5%
80.7%
Profit
299.4%
Profit
162.9%
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