| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | KZT bil | 34.2 | 34.0 | 50.1 |
| Net Fee Income | KZT bil | 9.83 | 16.7 | 24.7 |
| 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 |
| 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 |
Get all company financials in excel:
| 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) | % | ... | ... | ... | ... | ... | ... | ... | |
| valuation | |||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | -20.5 |
| 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) | % | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
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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