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Kaspi Bank

Kaspi Bank's net profit rose 28.5% yoy to KZT 29.7 bil in 1Q2019

By Helgi Library - October 24, 2019

Kaspi Bank made a net profit of KZT 29.7 bil under revenues of KZT 70.8 bil in the first quarter of 2019, up 28.5% and 37.4% ...

Kaspi Bank's net interest income rose 46.8% yoy to KZT 26.6 bil in 1Q2019

By Helgi Library - October 24, 2019

Kaspi Bank generated total banking revenues of KZT 70.8 bil in the first quarter of 2019, up 37.4% when compared to the same peri...

Kaspi Bank's net interest margin rose 23.7% yoy to 6.09% in 1Q2019

By Helgi Library - October 24, 2019

Kaspi Bank's net interest margin amounted to 6.09% in the first quarter of 2019, up from 1.21% when compared to the previous qua...

Annual Quarterly LTM
Profit Statement Sep 2018 Dec 2018 Mar 2019
Net Interest Income KZT bil 24.2 4.99 26.6
Net Fee Income KZT bil 40.4 41.3 40.0
Other Income KZT bil 4.10 11.6 4.16
Total Revenues KZT bil 68.7 57.8 70.8
Operating Profit KZT bil 52.7 39.6 53.3
Provisions KZT bil 13.3 19.7 11.1
Net Profit KZT bil 29.2 23.7 29.7
Balance Sheet Sep 2018 Dec 2018 Mar 2019
Interbank Loans KZT bil 24.4 25.3 26.5
Customer Loans KZT bil 1,053 1,067 1,084
Total Assets KZT bil 1,595 1,699 1,797
Shareholders' Equity KZT bil 200 210 220
Interbank Borrowing KZT bil 19.0 0.049 6.06
Customer Deposits KZT bil 1,153 1,237 1,293
Issued Debt Securities KZT bil 190 228 222
Ratios Sep 2018 Dec 2018 Mar 2019
ROE % 58.1 46.3 55.3
ROA % 7.63 5.76 6.80
Costs (As % Of Assets) % 4.17 4.44 4.00
Costs (As % Of Income) % 23.3 31.6 24.7
Capital Adequacy Ratio % ... ... ...
Net Interest Margin % 6.31 1.21 6.09
Loans (As % Of Deposits) % 91.3 86.2 83.8
Growth Rates Sep 2018 Dec 2018 Mar 2019
Total Revenue Growth % 53.8 102 37.4
Operating Cost Growth % 10.7 14.2 25.3
Operating Profit Growth % 74.5 214 41.9
Net Profit Growth % 76.7 -26.2 28.5
Customer Loan Growth % 26.9 19.7 19.6
Total Asset Growth % 14.7 15.4 21.8
Customer Deposit Growth % 21.7 23.6 29.0
Shareholders' Equity Growth % 26.9 24.1 22.7

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summary Unit Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
income statement                                                                                
Net Interest Income KZT bil                                                                   14.8 -5.98 18.1 20.5 24.2    
Total Revenues KZT bil                                                                   44.7 28.6 51.5 59.8 68.7    
Operating Profit KZT bil                                                                   30.2 12.6 37.6 44.3 52.7    
Net Profit KZT bil                                                                   16.5 32.1 23.1 23.5 29.2    
balance sheet                                                                                
Interbank Loans KZT bil                                                                   5.32 9.50 15.7 16.8 24.4    
Customer Loans KZT bil                                                                   830 891 906 972 1,053    
Debt Securities KZT bil                                                                   236 213 339 307 235    
Total Assets KZT bil                                                                   1,390 1,472 1,475 1,471 1,595    
Shareholders' Equity KZT bil                                                                   157 169 180 203 200    
Interbank Borrowing KZT bil                                                                   42.4 63.2 68.1 6.58 19.0    
Customer Deposits KZT bil                                                                   948 1,001 1,002 1,038 1,153    
Issued Debt Securities KZT bil                                                                   201 205 190 189 190    
ratios                                                                                
ROE %                                                                   42.1 78.6 53.1 49.1 58.1    
ROA %                                                                   4.92 8.97 6.28 6.38 7.63    
Costs (As % Of Assets) %                                                                   4.29 4.47 3.78 4.21 4.17    
Costs (As % Of Income) %                                                                   32.3 55.9 27.1 25.9 23.3    
Capital Adequacy Ratio % ... ...       ...   ...       ...       ...   ...                               ... 26.2 ... ... ... ... ...
Net Interest Margin %                                                                   4.40 -1.67 4.92 5.56 6.31    
Interest Income (As % Of Revenues) %                                                                   33.2 -20.9 35.2 34.2 35.2    
Fee Income (As % Of Revenues) %                                                                   65.5 117 63.2 62.1 58.8    
Equity (As % Of Assets) %                                                                   11.3 11.5 12.2 13.8 12.5    
Loans (As % Of Deposits) %                                                                   87.6 89.0 90.4 93.7 91.3    
Loans (As % Assets) %                                                                   59.7 60.5 61.5 66.1 66.0    
valuation                                                                                
Number Of Shares (Average) mil                                                                   20.3 17.9 18.3 18.3 18.3    
Earnings Per Share (EPS) KZT                                                                   1,868 3,872 4,603 5,211 5,884    
Book Value Per Share KZT                                                                   7,743 9,466 9,785 11,104 10,890    
Dividend Per Share KZT                                                                   0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ...                                                           -1,596 1,271 580 304 215    
Book Value Per Share Growth % ... ... ... ...                                                           7.10 33.1 27.6 32.3 40.6    
income statement Unit Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
income statement                                                                                
Interest Income KZT bil                                                                   39.8 19.4 44.8 46.6 50.7    
Interest Cost KZT bil                                                                   25.0 25.4 26.6 26.1 26.5    
Net Interest Income KZT bil                                                                   14.8 -5.98 18.1 20.5 24.2    
Net Fee Income KZT bil                                                                   29.2 33.6 32.5 37.2 40.4    
Other Income KZT bil                                                                   0.605 0.998 0.832 2.16 4.10    
Total Revenues KZT bil                                                                   44.7 28.6 51.5 59.8 68.7    
Operating Cost KZT bil                                                                   14.4 16.0 13.9 15.5 16.0    
Operating Profit KZT bil                                                                   30.2 12.6 37.6 44.3 52.7    
Provisions KZT bil                                                                   8.23 -5.86 6.71 12.8 13.3    
Extra and Other Cost KZT bil                                                                   1.76 -19.5 3.13 2.84 3.93    
Pre-Tax Profit KZT bil                                                                   20.2 38.0 27.7 28.7 35.4    
Tax KZT bil                                                                   3.68 5.88 4.60 5.16 6.22    
Minorities KZT bil                                                                   0 0 0 0 0    
Net Profit KZT bil                                                                   16.5 32.1 23.1 23.5 29.2    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ...                                                           39.4 -156 14.8 48.7 63.3    
Net Fee Income Growth % ... ... ... ...                                                           23.7 45.7 32.0 39.3 38.2    
Total Revenue Growth % ... ... ... ...                                                           31.5 -19.7 29.5 51.8 53.8    
Operating Cost Growth % ... ... ... ...                                                           21.7 38.7 -12.9 38.2 10.7    
Operating Profit Growth % ... ... ... ...                                                           36.8 -47.7 58.1 57.2 74.5    
Pre-Tax Profit Growth % ... ... ... ...                                                           570 2,010 193 98.4 75.3    
Net Profit Growth % ... ... ... ...                                                           527 3,601 193 85.3 76.7    
balance sheet Unit Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
balance sheet                                                                                
Cash KZT bil                                                                   276 315 161 126 235    
Interbank Loans KZT bil                                                                   5.32 9.50 15.7 16.8 24.4    
Customer Loans KZT bil                                                                   830 891 906 972 1,053    
Debt Securities KZT bil                                                                   236 213 339 307 235    
Fixed Assets KZT bil ... ... ... ... ... ...   ... ... ...                                           ...   ... 25.4 ... ... ...   ...
Total Assets KZT bil                                                                   1,390 1,472 1,475 1,471 1,595    
Shareholders' Equity KZT bil                                                                   157 169 180 203 200    
Of Which Minority Interest KZT bil                                                                   0 0 0 0 0    
Liabilities KZT bil                                                                   1,232 1,303 1,295 1,268 1,395    
Interbank Borrowing KZT bil                                                                   42.4 63.2 68.1 6.58 19.0    
Customer Deposits KZT bil                                                                   948 1,001 1,002 1,038 1,153    
Sight Deposits KZT bil ... ...                                                               65.8 79.0 76.7 111 144   ...
Term Deposits KZT bil ... ...                                                               882 922 926 927 1,009   ...
Issued Debt Securities KZT bil                                                                   201 205 190 189 190    
Other Liabilities KZT bil                                                                   41.6 33.4 34.5 34.5 33.2    
asset quality                                                                                
Gross Loans KZT bil ... ...           ...       ...                                           921 981 1,013 1,097 1,182   ...
Total Provisions KZT bil ... ...           ...       ...                                           95.2 90.1 107 118 129   ...
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           17.3 24.7 25.9 27.9 26.9    
Total Asset Growth % ... ... ... ...                                                           14.3 20.8 19.9 13.1 14.7    
Shareholders' Equity Growth % ... ... ... ...                                                           13.1 24.0 23.5 29.4 26.9    
Customer Deposit Growth % ... ... ... ...                                                           27.2 22.9 22.3 18.5 21.7    
ratios Unit Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
ratios                                                                                
ROE %                                                                   42.1 78.6 53.1 49.1 58.1    
ROA %                                                                   4.92 8.97 6.28 6.38 7.63    
Costs (As % Of Assets) %                                                                   4.29 4.47 3.78 4.21 4.17    
Costs (As % Of Income) %                                                                   32.3 55.9 27.1 25.9 23.3    
Capital Adequacy Ratio % ... ...       ...   ...       ...       ...   ...                               ... 26.2 ... ... ... ... ...
Tier 1 Ratio % ... ...       ...   ...       ...       ...   ...                               ... 17.7 ... ... ... ... ...
Net Interest Margin %                                                                   4.40 -1.67 4.92 5.56 6.31    
Interest Spread % ...                                                                 3.42 -2.59 3.95 4.50 5.26    
Asset Yield %                                                                   11.8 5.43 12.2 12.7 13.2    
Cost Of Liabilities % ...                                                                 8.42 8.02 8.20 8.16 7.97    
Payout Ratio % ... ... ... ... ... ... ...                                               ...     0 0 0 0 0    
Interest Income (As % Of Revenues) %                                                                   33.2 -20.9 35.2 34.2 35.2    
Fee Income (As % Of Revenues) %                                                                   65.5 117 63.2 62.1 58.8    
Other Income (As % Of Revenues) %                                                                   1.35 3.49 1.62 3.62 5.97    
Equity (As % Of Assets) %                                                                   11.3 11.5 12.2 13.8 12.5    
Loans (As % Of Deposits) %                                                                   87.6 89.0 90.4 93.7 91.3    
Loans (As % Assets) %                                                                   59.7 60.5 61.5 66.1 66.0    
Provisions (As % Of Loans) % ... ...           ...       ...                                           11.5 10.1 11.8 12.1 12.2   ...
Cost of Provisions (As % Of Loans) %                                                                   4.14 -2.73 2.98 5.45 5.27    
other data Unit Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019
other data                                                                                
Sight (As % Of Customer Deposits) % ... ...                                                               6.94 7.90 7.65 10.6 12.5   ...

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Kaspi Bank's equity (as % of assets) rose 0.701% yoy to 12.3% in 1Q2019

By Helgi Library - October 24, 2019

Kaspi Bank's Equity reached 22.2% of total assets in the 1Q2019, up from 19.0% for the previous year. As a share of net customer loans, the ratio amounted to 29.0% at the end of the first quarter of 2019. ...

Kaspi Bank's customer loan growth fell 24.2% yoy to 19.6% in 1Q2019

By Helgi Library - October 24, 2019

Kaspi Bank's customer loan growth reached 19.6% in 2019-03-31, down from 25.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 56.8% in 2013-09-30 and an all time low of -12.4% in 2016-09-30. In the last de...

Kaspi Bank's corporate loans rose 158% to KZT 204 bil in 2018

By Helgi Library - 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 2012. In the last decade, the...

Kaspi Bank's capital adequacy ratio rose 10.0% to 23.0% in 2018

By Helgi Library - September 25, 2019

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 ...

Kaspi Bank's npls (as % of loans) rose 51.9% to 17.6% in 2018

By Helgi Library - 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. Provision coverage amount...

Kaspi Bank's net interest income rose 50.6% to KZT 91.6 bil in 2018

By Helgi Library - September 25, 2019

Kaspi Bank generated total banking revenues of KZT 237 bil in 2018, up 41.5% 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 237 bil in 2018 and an all ti...

Kaspi Bank's net interest margin rose 27.8% to 5.78% in 2018

By Helgi Library - September 25, 2019

Kaspi Bank's net interest margin amounted to 5.78% in 2018, up from 4.52% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 9.39% in 2013 and an all time low of 3.42% in 2016. The average margin in t...

Kaspi Bank's customer loan growth fell 20.0% to 19.7% in 2018

By Helgi Library - September 25, 2019

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 ...

Kaspi Bank's capital adequacy ratio rose 8.71% yoy to 26.2% in 4Q2017

By Helgi Library - October 24, 2019

Kaspi Bank's capital adequacy ratio reached 26.2% at the end of fourth quarter of 2017, up from when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 27.2% in 2Q2017 and an all time low of 16.8% in 2Q2013. The ...

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Kaspi Bank has been growing its revenues and asset by 12.3% and 14.3% a year on average in the last 5 years. Its loans and deposits have grown by 10.7% and 16.2% a year during that time and loans to deposits ratio reached 86.2% at the end of 2018. The company achieved an average return on equity of 29.9% in the last five years with net profit growing 20.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 26.9% in 2018, compared to 31.7% average in the last five years.

Equity represented 12.4% of total assets or 19.7% of loans at the end of 2018. Kaspi Bank's non-performing loans were 17.6% of total loans while provisions covered some 57.8% of NPLs at the end of 2018.

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Eliášova 38, Prague 6, 160 00, Czech Republic
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