Investor Presentation on Kazakhstan's Economic Reforms
Improving Loan Portfolio Quality
The banking sector was in sound health going into the crisis as indicated by the recent Asset Quality Review and the
temporary loosening of banking regulations will help to contain the risk of disruptions.
Profitability
(%)
Capital Adequacy Ratio
(%)
25.3%
24.2%
5.6%
5.2%
5.1%
5.2%
21.8%
21.9%
5.1%
4.6%
15.9%
16.3%
4.5%
4.3%
3.9%
4.0%
3.9%
3.9%
10.0%
10.0%
10.0%
8.5%
8.5%
9.0%
2015
2016
2017
2018
2019
01/10/2020
2015
2016
2017
2018
2019
10/1/2020
Capital Adequacy Ratio
Regulatory Minimum CAR ratio
Net Interest Spread
Net Interest Margin
Loan Portfolio by Type of Borrower
(% of Loan Portfolio, September 2020)
Loans to
Individuals, 45%
SME, 27%
Non-Performing Loans and Provisions
(% of Loans)
10.6%
10.6%
15.6%
13.5%
12.9%
12.5%
9.3%
8.0%
8.1%
8.4%
7.4%
6.7%
Large
Corporates,
28%
2015
2016
2017
2018
2019
10/1/2020
NPL
Provisions
Source: The Agency for Regulation and Development of Financial Market
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