RUS_02_IRFS_2010 - 2010 - 12 April 2011 « ». . , , , , ....

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Unformatted text preview: 2010 - 12 April 2011 « ». . , , , , . , . , , , . , , . / , , . , , , . . , , . 2 3 .  .  , 01.01.2011 ( KZT ENRC , 165 25 892 . 2 435 24 210 ) USD 355,552 44% 177 , 1  ,  B / 1/ «S&P» ( Moody s.  2011 . ), 18 , 14.3% ) 90 01.01.2011 . , 49 ( « (A 9.4% 2 . 2.4% (A ) 7.6% ( ) 146% ) » 2010 . ( .« ») 4 2009 . 2011 .:   Standard & Poors B/B,  . , B1,  . B1 . (USD151 ). 11% KZT234 . (USD1.6 37% , . .) KZT35.9 . (USD506 KZT73.9 01.01.2011 . 25.7% KZT36.3 . . (USD249 .) , 2010 . 11% . (USD1.7 KZT330 . (USD246 .) ), 01.01.2010 . 2010 . . (gross) . 56% , KZT0.48 kzBB+ , . Moody s 2010 .: Moody s KZT22 kzBB  . (USD2.3 KZT4.12 KZT0.15 . . (USD28 ). 2010 . ) 1.5% KZT244 . ). 2010 . ( ) 2009 . ( , ). . ( KZT) KZT33.5 2010 . . . 2010 ., , « , ( , ). », KASE 5 ( ), . 2010 , , (3 (2 ) ) KPI 70% 6 7 , 2010 KZT 000 2009 KZT 000 % / 2009 2010 35,916,577 81,712,586 56% 32,404,202 1,258,170 6,759,818 212,705,586 34,023,772 2,316,720 9,871,325 21,392,315 148,996,935 5% 46% 32% 100% 43% 25,200,777 15,085,530 3,245,353 535,889 12,268,825 3,487,412 6,683,710 355,551,849 543,492 11,672,012 4,296,247 6,455,213 321,280,617 1% 5% 19% 4% 11% 1,293,743 15,283,435 244,159,690 23,190,282 19,365,588 24,434,497 1,898,238 329,658,973 697,456 2,200,271 240,618,500 10,177,668 16,569,016 25,597,725 1,189,747 297,050,383 85% 595% 1% 128% 17% 5% 60% 11% 24,210,204 2,025,632 5,304,320 (451,707) (5,195,573) 25,892,876 355,551,849 24,210,204 2,025,632 5,304,320 (1,342,993) (5,966,929) 24,230,234 321,280,617 0% 0% 0% 66% 13% 7% 11% . , « » , « » , , « » , , 33,500 « . » 8 , 2010 KZT 000 2009 KZT 000 28,391,885 24,784,533 (22,545,268) (20,562,033) 5,846,617 4,222,500 3,003,772 2,349,836 (248,624) 2,088,876 2,058 14,468 2,479,456 1,628,117 891,668 . , (260,960) 2,755,148 % / 2009 2010 141,462 15% 10% 39% 28% 5% 32% , 44,162 555,435 (22,631) 70,242 20,613 12,089,351 8,648,840 (1,559,232) (15,846,522) (5,140,780) (4,941,950) 86% 52% 530% 92% 100% 241% 40% 90% 4% 15% Profit (3,801,554) /( /( (4,452,571) ) 1,587,785 (16,592,203) ) /( . (816,429) 3,617,778 ) 771,356 (12,974,425) Profit 1,782,954 (1,170,281) Profit (891,668) (141,462) 891,286 1,662,642 (1,311,743) (14,286,168) 530% Profit Profit , : , , 2011 . KZT 2,018,743 KZT 2,910,410 9 10 , 01.01.2011 ,% . . 01.01.2011 28% 17% 2% 11% 5% 3% 14% 20% 2% 2% 2% 1% 17% 3% 8% 9% 11% 3% 4% 17% 8% 10% . * *. 01.01.2011 ,% 83% 3% 2% 2% 9% 26% 36% 14% 8% 8% 2% 3% 0% 6% 14% 1% 15% 36% 9% 8% 18% * : 11 2010 .: , 2010 . , , 193 . 131 . 2010 ,. 1.1 0.6 . , (USD1.3 (USD0.9 ), 62.5 . 2010 , (USD428 , (USD7.5 ) (USD4.1 .)  . . , ., .). ). 2010 . 30 , 90 , . . . . . . LTV , 2010 . <40%. 2010 . . 01.03.2011* 100% 98% 98% 96% 94% 92% 90% 88% 88% 86% 84% , , .  <30 31 60 61 90 1 5,0 >90 1 0,0 5 ,0 0,0 5,0 10,0 15,0 20,0 KZT * ( 12 ) 2010 ., , 01.01.2011 38% 01.01.2010 01.01.2011 36% 41% 01.01.2010 01.01.2011 38% 29% 30% 18% 17% 14% 17% 12% 2% 13% 12% 11% 2% 7% 4% 17% 23% 1.85% , 01.01.2010 01.01.2011 12.91% 66% 12.76%. 62% 49% 2010 . , 34% 23% . 17% 11% ,  . 7% , 36% . ( 13% 5 . ) : 01.01.2011 1. . SPV . 13 01.01.2011 , 74% 01.01.2011. 2010 . " " 74% 74% 5% , . , . 0% 0% . USD200 300 . 2011 . 7% 7% 1% 1% 7% 7% 6% 01.01.2011 . 20% 25% 01.01.2011 . 40% 28% 8% 18% 18% . 80% . . 2009 . 60% 2010 . . 2009 2010 14 15 90 (NPL) 250 000 12,0% 50 000 25,0% 000 200 000 10,0% 40 000 000 20 20,0% 30 000 15,0% 20 000 10,0% 8,0% 150 000 6,0% 100 000 4,0% 50 000 000 2,0% 10 000 000 5,0% 0 0,0% 0 0,0% 1 09 2 09 3 09 4Q09 1 10 2 10 3 10 4 10 1 09 2 09 3 09 4 09 1 10 2 10 3 10 4 10 NPL NPL 150 000 NPL 7,0% NPL 60 000 16,0% 14,0% 12,0% 10,0% 8,0% 6,0% ,% 4,0% 2,0% 0,0% 6,0% 120 000 45 000 5,0% 90 000 4,0% 60 000 3,0% 30 000 2,0% 30 000 000 15 000 1,0% 0 0,0% 0 1 09 2 09 3 09 4Q09 1 10 2 10 3 10 4 10 NPL 1 09 2 09 3 09 4Q09 1 10 2 10 3 10 4 10 NPL NPL NPL 16 NPL 1 2010 . 90 2010 . 150 14 . /Hard collections , ( ). 12 . 2 , 7.4 . ( USD 50,000) , 2009 . 87.1% ( ( , 30 , 2010 . 437 . ) ( ) ) (USD3 ), 268 . (USD1.8 .). 2009 2010 KZT 000 , 1 534 230 7 293 126 674 , , > USD1 ./ n/a n/a n/a n/a n/a n/a 4 493 699 36 022 189 299 195 429 3 981 18 211 183 588 2 554 589 2 821 352 0 n/a n/a 13 13 981 688 0 0 4 489 549 0 0 18 700 708 195 429 186 731 17 90 18 FY09 2248 .) / / / 39.6% 24% 21 358 826 358 826 4% 4% 87.11% 35% 65.8% 23% 3.76% 4% 230 611 ( 20% 3.63% / 1 791 53.27% ) 32% 22 138 936 138 936 .c 2 755 148 64.47% ( 2 088 876 .) % / 2009 2010 52.2% ( FY10 252 423 9% 53.34% / 2011 25 892 876 73.5% 32% 2.17% .) N/A 108.6% ( 0.23% 24 230 234 (ROA) N/A 4.55% (ROE) 3.08% * 2.40% 11% * 7% * ROE 10 12% >5% / , . <65% / <30% 19 2011 . 20 1 2011 . ) ( % 1Q10 1Q11 2010 176 690 786 242 053 072 37% 160 068 817 227 543 560 42.2% 329 120 408 358 742 202 9.2% 23 028 566 27 022 869 17.3% 1 419 565 1 126 548 Profit 997 434 1 472 622 Profit 617 223 1 212 818 Profit 195 092 1 558 892 Profit 2 158 1 847 14.4% 115.4% 70.1% 39.2% 45.8% 28.3% 38.1% / 78% 105% 34.6% / 53.7% 67.4% 25.5% 4.2% 3.9% 7.1% 117% 120% 2.6% 236 064 389 162 64.9% 24.1% 17.1% Profit 17.0% 22.4% Profit 1.7% 1.2% Profit 1.4% 4.1% 192.9% ( )* . ( ) ( ) ( ( ( ) , ) , . ) / / / / ) 90 (NPL) ( (ROE) ( ) (ROC) ( ) (RO ) * : 7.3% 21 2011 . 2011 . « « » » (SocieteGenerale) . 450 , 250 000.  B1   « Standard & Poor s» ,  . B1 B2 Moody s. 2011 . « » 18 50 221 229 POS 14 250 ( 25 49 114 IT , NPL , (2 3 ) (3 5 ) : (2 3 (4 ) « . » , « » , ) ( 8 « ( »( ) ) ) ) 22 ...
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This note was uploaded on 09/19/2011 for the course ECONOMICS eco3345 taught by Professor Smith during the Spring '10 term at Kazakhstan Institute of Management, Economics and Strategic Research.

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