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Kaspi Bank

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Kaspi Bank

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summary Unit
2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

...   36.3 68.3 63.2 61.3 42.8    
...   75.3 133 135 143 133    
...   48.8 96.0 96.2 96.7 84.7    
...   19.1 39.3 41.0 15.4 5.42    

balance sheet

...   1.59 8.86 0.655 0.749 1.55    
...   435 642 780 783 715    
...   36.6 75.7 70.9 169 292    
...   583 872 1,034 1,286 1,219    
...   68.1 93.0 133 134 137    
...   39.0 55.1 52.0 47.6 40.3    
...   417 583 714 818 815    
...   33.0 88.4 97.4 260 205    

ratios

...   32.2% 48.8% 36.2% 11.5% 4.00%    
...   3.76% 5.40% 4.30% 1.33% 0.433%    
...   5.23% 5.06% 4.08% 3.98% 3.83%    
...   35.2% 27.7% 28.8% 32.3% 36.2%    
...   19.0% 17.3% 18.8% 21.5% 24.1%    
...   7.16% 9.39% 6.63% 5.28% 3.42%    
...   48.1% 51.4% 46.8% 42.9% 32.3%    
...   51.3% 50.3% 57.3% 63.9% 71.1%    
...   51.6% 52.4% 48.6% 52.0% 44.7%    
...   11.7% 10.7% 12.9% 10.5% 11.2%    
...   104% 110% 109% 95.7% 87.8%    
...   74.6% 73.7% 75.4% 60.9% 58.7%    
...   18.3% 21.7% 20.6% 25.3% 22.5%    
...   81.8% 62.1% 53.1% 30.3% 46.5%    

Download Data
income statement Unit
2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income KZT bil
Interest Cost KZT bil
Net Interest Income KZT bil
Net Fee Income KZT bil
Other Income KZT bil
Total Revenues KZT bil
Staff Cost KZT bil
Depreciation KZT bil
Other Cost KZT bil
Operating Cost KZT bil
Operating Profit KZT bil
Provisions KZT bil
Extra and Other Cost KZT bil
Pre-Tax Profit KZT bil
Tax KZT bil
Minorities KZT bil
Net Profit KZT bil
Dividends KZT bil
...   71.0 114 125 129 129    
...   34.7 45.8 61.7 67.8 86.2    
...   36.3 68.3 63.2 61.3 42.8    
...   38.7 66.9 77.4 91.3 94.3    
...   0.421 -2.28 -5.57 -9.71 -4.48    
...   75.3 133 135 143 133    
...   13.7 19.3 18.9 24.0 21.4    
...   1.91 2.42 3.46 4.33 4.47    
...   10.9 15.1 16.5 17.9 22.1    
...   26.5 36.8 38.9 46.2 48.0    
...   48.8 96.0 96.2 96.7 84.7    
...   25.4 46.6 46.5 79.1 76.2    
...   0.029 0 0.001 0 0.001    
...   23.4 49.4 49.6 17.6 8.45    
...   4.37 10.1 8.63 2.16 3.03    
...   0 0 0 0 0    
...   19.1 39.3 41.0 15.4 5.42    
    14.7 0.018 13.1 0 34.6   ...

growth rates

... ... 19.4% 88.3% -7.42% -3.00% -30.1%    
... ... 155% 73.0% 15.8% 18.0% 3.25%    
... ... 65.2% 76.4% 1.64% 5.83% -7.19%    
... ... 63.3% 39.0% 5.59% 18.9% 3.83%    
... ... 66.2% 96.6% 0.133% 0.556% -12.5%    
... ... 149% 111% 0.488% -64.5% -52.0%    
... ... 123% 106% 4.39% -62.3% -64.9%    

Download Data
balance sheet Unit
2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

...   87.5 115 141 293 165    
...   1.59 8.86 0.655 0.749 1.55    
...   435 642 780 783 715    
...   351 610 753 711 645    
...   0 0 0 0 0    
...   351 610 753 711 645    
...   160 131 122 137 153    
...   36.6 75.7 70.9 169 292    
...   19.3 23.7 30.9 30.8 33.0    
...   583 872 1,034 1,286 1,219    
...   68.1 93.0 133 134 137    
...   0 0 0 0 0    
...   515 779 901 1,152 1,083    
...   39.0 55.1 52.0 47.6 40.3    
...   417 583 714 818 815    
...   322 404 ... ... ... ... ...
...   95.4 179 ... ... ... ... ...
...   64.4 149 ... ... ... ... ...
...   353 433 ... ... ... ... ...
...   33.0 88.4 97.4 260 205    
...   25.2 52.2 37.0 26.5 22.4    

asset quality

...   93.4 161 180 214 180    
...   511 742 875 848 799    
...   76.4 99.9 95.6 65.0 83.5    

growth rates

... ... 34.1% 47.6% 21.4% 0.440% -8.68%    
... ... 59.2% 73.8% 23.4% -5.61% -9.26%    
... ... 59.2% 73.8% 23.4% -5.61% -9.26%    
... ... -2.31% -17.9% -7.19% 12.3% 12.0%    
... ... 35.3% 49.6% 18.6% 24.4% -5.22%    
... ... 35.6% 36.6% 43.4% 0.775% 1.57%    
... ... 29.5% 39.7% 22.5% 14.6% -0.422%    
... ... 43.1% 25.4% ... ... ... ... ...
... ... -1.90% 87.9% ... ... ... ... ...

Download Data
ratios Unit
2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

...   32.2% 48.8% 36.2% 11.5% 4.00%    
...   3.76% 5.40% 4.30% 1.33% 0.433%    
...   5.23% 5.06% 4.08% 3.98% 3.83%    
...   35.2% 27.7% 28.8% 32.3% 36.2%    
...   19.0% 17.3% 18.8% 21.5% 24.1%    
...   14.2% 13.1% 15.5% 14.5% 16.3%    
...   7.16% 9.39% 6.63% 5.28% 3.42%    
... ... 6.25% 8.60% 5.76% 4.52% 2.58%    
...   14.0% 15.7% 13.1% 11.1% 10.3%    
... ... 7.76% 7.09% 7.35% 6.61% 7.72%    
...   77.3% 0.047% 31.9% 0% 638%   ...
...   48.1% 51.4% 46.8% 42.9% 32.3%    
...   51.3% 50.3% 57.3% 63.9% 71.1%    
...   0.558% -1.72% -4.13% -6.79% -3.37%    
...   51.6% 52.4% 48.6% 52.0% 44.7%    
...   11.7% 10.7% 12.9% 10.5% 11.2%    
...   104% 110% 109% 95.7% 87.8%    
...   74.6% 73.7% 75.4% 60.9% 58.7%    
...   18.3% 21.7% 20.6% 25.3% 22.5%    
...   81.8% 62.1% 53.1% 30.3% 46.5%    
...   17.6% 15.6% 12.3% 8.30% 11.7%    
...   6.69% 8.66% 6.55% 10.1% 10.2%    

Download Data
other data Unit
2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

...   15.4% 25.6% ... ... ... ... ...

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Kaspi Bank in Numbers

September 26, 2019
Kaspi Bank in Numbers

This Annual statistical dossier offers a summary of Kaspi Bank's performance between 2010 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Kaspi Bank's performance between 2010 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Kaspi Bank's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Kaspi Bank's capital adequacy ratio reached 23.0% at the end of 2018, up from 20.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.1% in 2016 and an all time low of 17.3% in 2013.

Read more »

Kaspi Bank's capital adequacy ratio reached 23.0% at the end of 2018, up from 20.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.1% in 2016 and an all time low of 17.3% in 2013.

The Tier 1 ratio amounted to 16.8% at the end of 2018, up from 13.9% compared to a year earlier.

Bank's loan to deposit ratio reached 86.2% at the end of 2018, down from 89.0% when compared to the previous year.

You can see all the bank’s data at Kaspi Bank Profile, or you can download a report on the bank in the report section.

Kaspi Bank - Loan Breakdown

September 25, 2019

Kaspi Bank's loans reached KZT 1,188 bil in the 2018, up from KZT 981 bil compared to the previous year. Historically, the bank’s loans reached an all time high of KZT 1,188 bil in 2018 and an all time low of KZT 511 bil in

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Kaspi Bank's loans reached KZT 1,188 bil in the 2018, up from KZT 981 bil compared to the previous year. Historically, the bank’s loans reached an all time high of KZT 1,188 bil in 2018 and an all time low of KZT 511 bil in 2012.

In the last decade, the average annual loan growth amounted to 0%.

At the end of 2018, Kaspi Bank's loans accounted for 86.2% of total deposits and 62.8% of total assets.

Mortgage loans represented 0% of the bank's loan book at the end of the year 2018, consumer further 82.8% and corporate loans 17.2% of total loans.

You can see all the bank’s data at Kaspi Bank profile, or you can download a report on the bank in the report section.

Kaspi Bank's customer loan growth reached 19.7% in 2018, down from 24.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 47.6% in 2013 and an all time low of -8.68% in 2016.

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Kaspi Bank's customer loan growth reached 19.7% in 2018, down from 24.7% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 47.6% in 2013 and an all time low of -8.68% in 2016. In the last decade, the average annual loan growth amounted to 0%.

On the other hand, bank's customer deposit growth amounted to 23.6% at the end of 2018, up from 22.9% when compared to the previous year. Historically, the bank’s deposit growth reached an all time high of 39.7% in 2013 and an all time low of -0.422% in 2016. In the last decade, the average annual loan growth amounted to 0%.

At the end of 2018, Kaspi Bank's loans accounted for 86.2% of total deposits and 62.8% of total assets.

You can see all the bank’s data at Kaspi Bank Profile, or you can download a report on the bank in the report section.

Kaspi Bank - Asset Quality

September 25, 2019

Kaspi Bank's non-performing loans reached 17.6% of total loans at the end of 2018, up from 11.6% compared to the previous year. Historically, the NPL ratio hit an all time high of 25.3% in 2015 and an all time low of 11.6% in 2017.

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Kaspi Bank's non-performing loans reached 17.6% of total loans at the end of 2018, up from 11.6% compared to the previous year. Historically, the NPL ratio hit an all time high of 25.3% in 2015 and an all time low of 11.6% in 2017.

Provision coverage amounted to 57.8% at the end of 2018, down from 79.2% compared to a year earlier.

The bank created loan loss provisions worth of 5.37% of average loans in 2018. That's compared to 7.13% of loans the bank put aside to its cost on average in the last five years.

You can see all the bank’s data at Kaspi Bank Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Kaspi Bank's corporate loans rose 158% to KZT 204 bil in 2018
Kaspi Bank's capital adequacy ratio rose 10.0% to 23.0% in 2018
Kaspi Bank's npls (as % of loans) rose 51.9% to 17.6% in 2018
Kaspi Bank's npls (as % of loans) rose 51.9% to 17.6% in 2018
Kaspi Bank's npls (as % of loans) rose 51.9% to 17.6% in 2018
Kaspi Bank's net interest income rose 50.6% to KZT 91.6 bil in 2018
Kaspi Bank's net interest income rose 50.6% to KZT 91.6 bil in 2018
Kaspi Bank's net interest margin rose 27.8% to 5.78% in 2018
Kaspi Bank's customer loan growth fell 20.0% to 19.7% in 2018
Kaspi Bank's customer loan growth fell 20.0% to 19.7% in 2018