Euroasian Bank

Profit Statement 2016 2017 2018
Net Interest Income KZT bil 34.2 34.0 50.1
Fee Income (As % Of Revenues) % 20.8 11.7 33.9
Other Income KZT bil 3.29 92.0 -1.86
Total Revenues KZT bil 47.4 143 73.0
Staff Cost KZT bil 17.1 18.0 19.2
Operating Profit KZT bil 15.0 111 40.6
Provisions KZT bil 14.8 112 29.7
Net Profit KZT bil 0.399 -3.85 9.14
Balance Sheet 2016 2017 2018
Interbank Loans KZT bil 3.74 3.64 5.01
Customer Loans KZT bil 671 614 638
Debt Securities KZT bil 153 175 289
Total Assets KZT bil 1,005 977 1,108
Shareholders' Equity KZT bil 95.2 97.8 92.8
Interbank Borrowing KZT bil 6.69 0.149 0.474
Customer Deposits KZT bil 671 695 767
Issued Debt Securities KZT bil 153 170 230
Ratios 2016 2017 2018
ROE % 0.457 -3.99 9.59
ROA % 0.040 -0.389 0.877
Costs (As % Of Assets) % 3.25 3.23 3.11
Costs (As % Of Income) % 68.4 22.4 44.4
Net Interest Margin % 3.43 3.43 4.81
Loans (As % Of Deposits) % 100 88.4 83.2
NPLs (As % Of Loans) % ... ... 18.0
Provisions (As % Of NPLs) % ... ... 72.0
Growth Rates 2016 2017 2018
Total Revenue Growth % -14.0 201 -48.8
Operating Cost Growth % 6.48 -1.19 1.24
Operating Profit Growth % -39.2 639 -63.3
Net Profit Growth % -90.0 -1,067 -337
Customer Loan Growth % 2.53 -8.45 3.84
Total Asset Growth % 1.65 -2.81 13.4
Customer Deposit Growth % 2.53 3.59 10.3
Shareholders' Equity Growth % 20.4 2.67 -5.06

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summary Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Net Interest Income KZT bil ... ... ... ... 43.1 34.2    
Total Revenues KZT bil ... ... 25.0 186 55.0 47.4    
Operating Profit KZT bil ... ... 6.32 161 24.6 15.0    
Net Profit KZT bil ... ... ... ... 3.97 0.399    
balance sheet                
Interbank Loans KZT bil ... ... ... ... 7.12 3.74    
Customer Loans KZT bil ... ... ... ... 655 671    
Debt Securities KZT bil ... ... ... ... 175 153    
Total Assets KZT bil ... ... ... ... 989 1,005    
Shareholders' Equity KZT bil ... ... ... ... 79.1 95.2    
Interbank Borrowing KZT bil ... ... ... ... 6.64 6.69    
Customer Deposits KZT bil ... ... ... ... 655 671    
Issued Debt Securities KZT bil ... ... ... ... 186 153    
ratios                
ROE % ... ... ... ... 5.02 0.457    
ROA % ... ... ... ... 0.401 0.040    
Costs (As % Of Assets) % ... ... 2.05 2.70 3.08 3.25    
Costs (As % Of Income) % ... ... 74.7 13.2 55.3 68.4    
Net Interest Margin % ... ... ... ... 4.35 3.43    
Interest Income (As % Of Revenues) % ... ... ... 8.27 78.2 72.3    
Fee Income (As % Of Revenues) % ... ... ... 1.68 16.5 20.8    
Staff Cost (As % Of Total Cost) % ... ... ... 31.3 52.2 52.7    
Equity (As % Of Assets) % ... ... ... ... 8.00 9.47    
Loans (As % Of Deposits) % ... ... ... ... 100 100    
Loans (As % Assets) % ... ... ... ... 66.2 66.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...  
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...  
income statement Unit 2011 2012 2013 2014 2015 2016 2017 2018
income statement                
Interest Income KZT bil ... ... ... ... 91.7 96.5    
Interest Cost KZT bil ... ... ... ... 48.6 62.3    
Net Interest Income KZT bil ... ... ... ... 43.1 34.2    
Net Fee Income KZT bil ... ... ... ... 9.08 9.83    
Other Income KZT bil ... ... ... 167 2.91 3.29    
Total Revenues KZT bil ... ... 25.0 186 55.0 47.4    
Staff Cost KZT bil ... ... ... ... 15.9 17.1    
Depreciation KZT bil ... ... ... ... 0 0    
Other Cost KZT bil ... ... ... 14.9 14.6 15.3    
Operating Cost KZT bil   0 18.7 24.6 30.4 32.4    
Operating Profit KZT bil ... ... 6.32 161 24.6 15.0    
Provisions KZT bil ... ... ... ... 19.6 14.8    
Extra and Other Cost KZT bil ... ... -4.23 0 0 < 0.001    
Pre-Tax Profit KZT bil ... ... ... ... 5.00 0.160    
Tax KZT bil ... ... ... ... 1.03 -0.238    
Minorities KZT bil ... ... ... ... 0 0    
Net Profit KZT bil ... ... ... ... 3.97 0.399    
growth rates                
Net Interest Income Growth % ... ... ... ... ... -20.5    
Net Fee Income Growth % ... ... ... ... ... 8.31    
Total Revenue Growth % ... ... ... 35.2 -66.6 -14.0    
Operating Cost Growth % ... ... ... -1.93 36.2 6.48    
Operating Profit Growth % ... ... ... 145 -82.3 -39.2    
Pre-Tax Profit Growth % ... ... ... ... ... -96.8    
Net Profit Growth % ... ... ... ... ... -90.0    
balance sheet Unit 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                
Cash KZT bil ... ... ... ... 86.1 109    
Interbank Loans KZT bil ... ... ... ... 7.12 3.74    
Customer Loans KZT bil ... ... ... ... 655 671    
Retail Loans KZT bil ... ... ... ... 312 293    
Mortgage Loans KZT bil ... ... ... ... 19.3 20.9    
Consumer Loans KZT bil ... ... ... ... 293 272    
Corporate Loans KZT bil ... ... ... ... 411 450    
Debt Securities KZT bil ... ... ... ... 175 153    
Fixed Assets KZT bil ... ... ... ... 25.8 25.1    
Total Assets KZT bil ... ... ... ... 989 1,005    
Shareholders' Equity KZT bil ... ... ... ... 79.1 95.2    
Of Which Minority Interest KZT bil ... ... ... ... 0 0    
Liabilities KZT bil ... ... ... ... 910 910    
Interbank Borrowing KZT bil ... ... ... ... 6.64 6.69    
Customer Deposits KZT bil ... ... ... ... 655 671    
Retail Deposits KZT bil ... ... ... ... ... ...    
Corporate Deposits KZT bil ... ... ... ... ... ...    
Sight Deposits KZT bil ... ... ... ... ... ...    
Term Deposits KZT bil ... ... ... ... ... ...    
Issued Debt Securities KZT bil ... ... ... ... 186 153    
Other Liabilities KZT bil ... ... ... ... 62.9 79.0    
asset quality                
Non-Performing Loans KZT bil ... ... ... ... ... ... ...  
Gross Loans KZT bil ... ... ... ... 695 717    
Total Provisions KZT bil ... ... ... ... 40.6 46.3    
growth rates                
Customer Loan Growth % ... ... ... ... ... 2.53    
Retail Loan Growth % ... ... ... ... ... -6.29    
Mortgage Loan Growth % ... ... ... ... ... 8.26    
Consumer Loan Growth % ... ... ... ... ... -7.25    
Corporate Loan Growth % ... ... ... ... ... 9.60    
Total Asset Growth % ... ... ... ... ... 1.65    
Shareholders' Equity Growth % ... ... ... ... ... 20.4    
Customer Deposit Growth % ... ... ... ... ... 2.53    
Retail Deposit Growth % ... ... ... ... ... ... ...  
Corporate Deposit Growth % ... ... ... ... ... ... ...  
ratios Unit 2011 2012 2013 2014 2015 2016 2017 2018
ratios                
ROE % ... ... ... ... 5.02 0.457    
ROA % ... ... ... ... 0.401 0.040    
Costs (As % Of Assets) % ... ... 2.05 2.70 3.08 3.25    
Costs (As % Of Income) % ... ... 74.7 13.2 55.3 68.4    
Net Interest Margin % ... ... ... ... 4.35 3.43    
Interest Spread % ... ... ... ... ... 2.83    
Asset Yield % ... ... ... ... 9.27 9.68    
Cost Of Liabilities % ... ... ... ... ... 6.85    
Interest Income (As % Of Revenues) % ... ... ... 8.27 78.2 72.3    
Fee Income (As % Of Revenues) % ... ... ... 1.68 16.5 20.8    
Other Income (As % Of Revenues) % ... ... ... 90.1 5.28 6.95    
Staff Cost (As % Of Total Cost) % ... ... ... 31.3 52.2 52.7    
Equity (As % Of Assets) % ... ... ... ... 8.00 9.47    
Loans (As % Of Deposits) % ... ... ... ... 100 100    
Loans (As % Assets) % ... ... ... ... 66.2 66.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...  
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...  
Provisions (As % Of Loans) % ... ... ... ... 6.20 6.89    
Cost of Provisions (As % Of Loans) % ... ... ... ... 3.00 2.23    
other data Unit 2011 2012 2013 2014 2015 2016 2017 2018
other data                
Sight (As % Of Customer Deposits) % ... ... ... ... ... ...    

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Finance

Euroasian Bank has been growing its revenues and asset by 9.86% and 3.87% a year on average in the last 3 years. Its loans and deposits have grown by -0.854% and 5.41% a year during that time and loans to deposits ratio reached 83.2% at the end of 2018. The company achieved an average return on equity of 2.02% in the last three years with net profit growing 32.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.4% in 2018, compared to 45.1% average in the last three years.

Equity represented 8.38% of total assets or 14.5% of loans at the end of 2018. Euroasian Bank's non-performing loans were 18.0% of total loans while provisions covered some 72.0% of NPLs at the end of 2018.

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