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ATFBank

ATFBank's npls (as % of loans) rose 7.91% to 15.5% in 2018

By Helgi Analytics - September 25, 2019

ATFBank's non-performing loans reached 15.5% of total loans at the end of 2018, up from 14.4% compared to the previous year. ...

ATFBank's corporate loans rose 18.2% to KZT 774 bil in 2018

By Helgi Analytics - September 25, 2019

ATFBank's loans reached KZT 1,209 bil in the 2018, up from KZT 1,034 bil compared to the previous year. Historically, t...

ATFBank's net interest margin fell 3.06% to 3.25% in 2018

By Helgi Analytics - September 25, 2019

ATFBank's net interest margin amounted to 3.25% in 2018, down from 3.36% compared to the previous year. Historically, the ...

Profit Statement 2016 2017 2018
Net Interest Income KZT bil 46.0 46.6 45.5
Net Fee Income KZT bil 10.9 12.2 15.9
Other Income KZT bil 3.53 74.3 13.4
Total Revenues KZT bil 60.5 133 74.9
Staff Cost KZT bil 13.2 12.9 14.4
Operating Profit KZT bil 36.8 108 47.7
Provisions KZT bil 34.8 82.1 28.5
Net Profit KZT bil 4.76 17.2 13.9
Balance Sheet 2016 2017 2018
Interbank Loans KZT bil 12.0 7.28 10.8
Customer Loans KZT bil 807 837 982
Total Assets KZT bil 1,453 1,325 1,475
Shareholders' Equity KZT bil 94.0 112 127
Interbank Borrowing KZT bil 9.00 9.93 6.48
Customer Deposits KZT bil 1,144 959 1,070
Issued Debt Securities KZT bil 202 237 261
Ratios 2016 2017 2018
ROE % 5.24 16.7 11.7
ROA % 0.351 1.24 0.995
Costs (As % Of Assets) % 1.75 1.80 1.94
Costs (As % Of Income) % 39.2 18.8 36.3
Capital Adequacy Ratio % 16.4 15.3 15.4
Net Interest Margin % 3.39 3.36 3.25
Loans (As % Of Deposits) % 70.5 87.3 91.8
NPLs (As % Of Loans) % 21.9 14.4 15.5
Provisions (As % Of NPLs) % 67.9 133 121
Growth Rates 2016 2017 2018
Total Revenue Growth % 12.8 120 -43.8
Operating Cost Growth % 19.4 5.45 8.65
Operating Profit Growth % 8.87 194 -55.9
Net Profit Growth % -34.1 261 -19.0
Customer Loan Growth % 2.07 3.73 17.4
Total Asset Growth % 15.4 -8.82 11.3
Customer Deposit Growth % 26.0 -16.2 11.6
Shareholders' Equity Growth % 7.16 18.8 13.4

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summary Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Net Interest Income KZT bil ... ... 18.7 22.8 27.6 46.0    
Total Revenues KZT bil ... ... 25.0 33.8 53.6 60.5    
Operating Profit KZT bil ... ... 6.32 15.5 33.8 36.8    
Net Profit KZT bil ... ... 1.75 3.38 7.23 4.76    
balance sheet                
Interbank Loans KZT bil ... ... 2.28 8.06 11.5 12.0    
Customer Loans KZT bil ... ... 558 650 790 807    
Debt Securities KZT bil ... ... 99.7 116 115 90.3    
Total Assets KZT bil ... ... 912 984 1,259 1,453    
Shareholders' Equity KZT bil ... ... 74.2 77.5 87.7 94.0    
Interbank Borrowing KZT bil ... ... 106 121 12.0 9.00    
Customer Deposits KZT bil ... ... 604 705 908 1,144    
Issued Debt Securities KZT bil ... ... 124 78.3 248 202    
ratios                
ROE % ... ... 2.36 4.46 8.76 5.24    
ROA % ... ... 0.192 0.357 0.645 0.351    
Costs (As % Of Assets) % ... ... 2.05 1.93 1.77 1.75    
Costs (As % Of Income) % ... ... 74.7 54.2 37.0 39.2    
Capital Adequacy Ratio % ... ... 14.4 12.7 14.7 16.4    
Net Interest Margin % ... ... 2.05 2.40 2.46 3.39    
Interest Income (As % Of Revenues) % ... ... 74.8 67.3 51.5 76.1    
Fee Income (As % Of Revenues) % ... ... 16.2 22.4 14.9 18.1    
Staff Cost (As % Of Total Cost) % ... ... ... ... 49.9 55.6    
Equity (As % Of Assets) % ... ... 8.13 7.87 6.96 6.47    
Loans (As % Of Deposits) % ... ... 92.4 92.2 87.1 70.5    
Loans (As % Assets) % ... ... 61.2 66.0 62.8 55.5    
NPLs (As % Of Loans) % ... ... 43.3 32.2 20.9 21.9    
Provisions (As % Of NPLs) % ... ... 78.0 70.7 77.8 67.9    
income statement Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Interest Income KZT bil ... ... 58.6 64.8 77.9 128    
Interest Cost KZT bil ... ... 39.9 42.1 50.3 82.4    
Net Interest Income KZT bil ... ... 18.7 22.8 27.6 46.0    
Net Fee Income KZT bil ... ... 4.06 7.59 7.99 10.9    
Other Income KZT bil ... ... 2.24 3.46 18.0 3.53    
Total Revenues KZT bil ... ... 25.0 33.8 53.6 60.5    
Staff Cost KZT bil ... ... ... ... 9.91 13.2    
Depreciation KZT bil ... ... ... ... 2.14 2.37    
Other Cost KZT bil ... ... ... ... 7.79 8.16    
Operating Cost KZT bil   0 18.7 18.3 19.9 23.7    
Operating Profit KZT bil ... ... 6.32 15.5 33.8 36.8    
Provisions KZT bil ... ... 4.53 10.4 23.6 34.8    
Extra and Other Cost KZT bil ... ... -4.23 1.05 0 0    
Pre-Tax Profit KZT bil ... ... 6.02 4.06 10.2 2.02    
Tax KZT bil ... ... 4.20 0.595 2.92 -2.81    
Minorities KZT bil ... ... 0.068 0.087 0.070 0.065    
Net Profit KZT bil ... ... 1.75 3.38 7.23 4.76    
Dividends KZT bil ... ... ... 0.039 0.003 0.008   ...
growth rates                
Net Interest Income Growth % ... ... ... 21.6 21.4 66.6    
Net Fee Income Growth % ... ... ... 87.2 5.33 36.6    
Total Revenue Growth % ... ... ... 35.2 58.6 12.8    
Operating Cost Growth % ... ... ... -1.93 8.35 19.4    
Operating Profit Growth % ... ... ... 145 118 8.87    
Pre-Tax Profit Growth % ... ... ... -32.5 152 -80.2    
Net Profit Growth % ... ... ... 93.3 114 -34.1    
balance sheet Unit 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                
Cash KZT bil ... ... 200 150 308 503    
Interbank Loans KZT bil ... ... 2.28 8.06 11.5 12.0    
Customer Loans KZT bil ... ... 558 650 790 807    
Retail Loans KZT bil ... ... 135 146 142 160    
Mortgage Loans KZT bil ... ... 55.2 59.8 60.8 64.2    
Consumer Loans KZT bil ... ... 79.7 85.9 81.6 95.7    
Corporate Loans KZT bil ... ... 708 696 648 647    
Debt Securities KZT bil ... ... 99.7 116 115 90.3    
Fixed Assets KZT bil ... ... 19.7 18.4 19.0 17.3    
Total Assets KZT bil ... ... 912 984 1,259 1,453    
Shareholders' Equity KZT bil ... ... 74.2 77.5 87.7 94.0    
Of Which Minority Interest KZT bil ... ... 0.213 0.258 0.401 0.499    
Liabilities KZT bil ... ... 838 907 1,172 1,359    
Interbank Borrowing KZT bil ... ... 106 121 12.0 9.00    
Customer Deposits KZT bil ... ... 604 705 908 1,144    
Retail Deposits KZT bil ... ... ... ... ... ...    
Corporate Deposits KZT bil ... ... ... ... ... ...    
Sight Deposits KZT bil ... ... ... ... 260 468    
Term Deposits KZT bil ... ... ... ... 647 676    
Issued Debt Securities KZT bil ... ... 124 78.3 248 202    
Other Liabilities KZT bil ... ... 3.81 2.78 3.66 4.29    
asset quality                
Non-Performing Loans KZT bil ... ... 365 271 197 207    
Gross Loans KZT bil ... ... 843 841 944 947    
Total Provisions KZT bil ... ... 284 192 153 141    
growth rates                
Customer Loan Growth % ... ... ... 16.4 21.6 2.07    
Retail Loan Growth % ... ... ... 8.05 -2.23 12.3    
Mortgage Loan Growth % ... ... ... 8.44 1.71 5.52    
Consumer Loan Growth % ... ... ... 7.77 -4.97 17.3    
Corporate Loan Growth % ... ... ... -1.70 -6.89 -0.178    
Total Asset Growth % ... ... ... 7.87 27.9 15.4    
Shareholders' Equity Growth % ... ... ... 4.41 13.2 7.16    
Customer Deposit Growth % ... ... ... 16.7 28.8 26.0    
Retail Deposit Growth % ... ... ... ... ... ... ...  
Corporate Deposit Growth % ... ... ... ... ... ... ...  
ratios Unit 2011 2012 2013 2014 2015 2016 2017 2018
ratios                
ROE % ... ... 2.36 4.46 8.76 5.24    
ROA % ... ... 0.192 0.357 0.645 0.351    
Costs (As % Of Assets) % ... ... 2.05 1.93 1.77 1.75    
Costs (As % Of Income) % ... ... 74.7 54.2 37.0 39.2    
Capital Adequacy Ratio % ... ... 14.4 12.7 14.7 16.4    
Tier 1 Ratio % ... ... 11.9 10.3 7.81 8.96    
Net Interest Margin % ... ... 2.05 2.40 2.46 3.39    
Interest Spread % ... ... ... 2.01 2.11 2.96    
Asset Yield % ... ... 6.42 6.83 6.95 9.47    
Cost Of Liabilities % ... ... ... 4.82 4.84 6.52    
Payout Ratio % ... ... ... 1.15 0.036 0.171   ...
Interest Income (As % Of Revenues) % ... ... 74.8 67.3 51.5 76.1    
Fee Income (As % Of Revenues) % ... ... 16.2 22.4 14.9 18.1    
Other Income (As % Of Revenues) % ... ... 8.94 10.2 33.6 5.84    
Staff Cost (As % Of Total Cost) % ... ... ... ... 49.9 55.6    
Equity (As % Of Assets) % ... ... 8.13 7.87 6.96 6.47    
Loans (As % Of Deposits) % ... ... 92.4 92.2 87.1 70.5    
Loans (As % Assets) % ... ... 61.2 66.0 62.8 55.5    
NPLs (As % Of Loans) % ... ... 43.3 32.2 20.9 21.9    
Provisions (As % Of NPLs) % ... ... 78.0 70.7 77.8 67.9    
Provisions (As % Of Loans) % ... ... 51.0 29.5 19.4 17.4    
Cost of Provisions (As % Of Loans) % ... ... 0.812 1.72 3.27 4.35    
other data Unit 2011 2012 2013 2014 2015 2016 2017 2018
other data                
Sight (As % Of Customer Deposits) % ... ... ... ... 28.7 40.9    

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ATFBank's capital adequacy ratio rose 0.785% to 15.4% in 2018

By Helgi Analytics - September 25, 2019

ATFBank's capital adequacy ratio reached 15.4% at the end of 2018, up from 15.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.4% in 2016 and an all time low of 12.7% in 2014. The Tier 1 ratio amounted to ...

ATFBank's net interest income fell 2.30% to KZT 45.5 bil in 2018

By Helgi Analytics - September 25, 2019

ATFBank generated total banking revenues of KZT 74.9 bil in 2018, down 43.8% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of KZT 133 bil in 2017 and an all ti...

ATFBank's customer loan growth rose 367% to 17.4% in 2018

By Helgi Analytics - September 25, 2019

ATFBank's customer loan growth reached 17.4% in 2018, up from 3.73% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 21.6% in 2015 and an all time low of 2.07% in 2016. In the last decade, the average annual...

ATFBank's retail loan growth rose 4.63% to 14.3% in 2018

By Helgi Analytics - September 25, 2019

ATFBank's retail loans reached KZT 208 bil at the end of 2018, up 14.3% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 21.2% of the bank's loan book at the end of 2018. ...

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Finance

ATFBank has been growing its revenues and asset by 24.5% and 10.1% a year on average in the last 5 years. Its loans and deposits have grown by 12.0% and 12.1% a year during that time and loans to deposits ratio reached 91.8% at the end of 2018. The company achieved an average return on equity of 9.37% in the last five years with net profit growing 51.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 36.3% in 2018, compared to 37.1% average in the last five years.

Equity represented 8.59% of total assets or 12.9% of loans at the end of 2018. ATFBank's non-performing loans were 15.5% of total loans while provisions covered some 121% of NPLs at the end of 2018.

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