The international ranking list of banks of Kazakhstan

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2018-03-26 09:11:16

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For the Kazakh banking sector is characterized by stable development. This is largely due to the relatively high international rating of the banks of Kazakhstan. In recent years, the majority of them continues to evolve. Largely due to this stability belongs to the leadership of the state, which provides adequate support by the banking institutions in the economy.

Main indicators taken into account in the preparation of Bank ratings

The viability is most convenient to follow the appropriate rating of banks of Kazakhstan. Its based on basic financial ratios of credit institutions along with the existing dynamics of development of each of them.

Special attention to the rankings of the best banks of Kazakhstan is the timely return of customer deposits, even with the occurrence of financial problems at the Bank.

Also taken into account and an indicator such as funding. Sustainability of funding means the ratio of issued to clients loans and deposits for certain credit institutions. Ideally, they should be of approximately equal values, as this is a guarantee for the financing it has already provided loans by attracted by Finance, without utilization of the interbank funding.

Kazakhstan

If the rating of banks of Kazakhstan shows that the institution has reached 100 % funding (the term "funding" means the borrowing of capital through contributions and investments), it tells about the formation of the current loan portfolio through deposits. Therefore, a pressing need, even in case of major fluctuations in the capital market, in his urgent repayment does not arise.

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Quick liquidity – this is another factor that is certainly taken into consideration in determining the credit rating of the banks of Kazakhstan. It reflects the possibility of establishing immediate repayment of short-term liabilities by selling liquid assets. If the value is close to 100 %, this is evidence of the long-term sustainability of banks. At low ratio the situation is also not to be critical – bankruptcy avoidable with proper use of funds received under the planned repayment of loans, even in a crisis.

Bank ratings

The rankings of Kazakhstan's banks on their viability taking into account all existing credit institutions in the country with the exception of "Zhilstroysberbank". This is because it is, regardless of circumstances, has full government support.

A great success on the market of Kazakhstan is used by many subsidiaries of Russian credit institutions. Generally, the owner of the Bank often depends on its position in a particular ranking.

Kazakhstan Banks rating

The Viability of banks Kazkom and BTA

In 2014 launched the procedure of merging credit institutions. Now in the ratings of Kazakhstan banks, they are represented as one. The management is done by well-known businessman Rakishev.

For current information this Bank today is considered the most viable among the credit institutions of Kazakhstan.

The Viability of the Bank "Halyk Bank"

This credit institution in the rating of banks of Kazakhstan gets an honorable second place. This success is due to small rates of outflow of deposits, which does not interfere with the preservation of the leading positions among other financial institutions in terms of customer deposits. The total share of assets is 14.4 %.

Almost 70% of the shares of the Bank belongs to the group of “ALMEX”. The owners of this holding company in equal shares are the couple Kulibaeva.

Credit rating Kazakhstan

The Viability and performance "Tsesnabank"

In the current rating of "Sberbank" of Kazakhstan is given to the third place, if we consider the value of the assets. By the volume of customer deposits, a credit institution occupies the eighth position in the whole country.

International ratings of Kazakhstan banks is beneficial to note close to the unit figures of funding. That is, there are well-respected in the proportion between deposits from individuals and loans. Indicator of quick liquidity in recent times remains at low but acceptable levels.

The Largest share in the Bank belongs to the holding of the notorious "Cessna", which to some extent causes a high rating of "Tsesna Bank" of Kazakhstan.

Indicators of "Sberbank" of Kazakhstan

Various, including the international ratings of the banks operating in Kazakhstan, include the number of credit institutions. But the only Bank that is among the ten largest by total assets among the subsidiaries of the Russian banks – "Sberbank" of Kazakhstan. While it is 5 in the country for deposits accepted from individuals. the Reduction of deposits here is also insignificant.

Owns this establishment "Sberbank" of Russia. As the main founder of the "Central Bank" of the country, although a certain share of its capital belongs to investors from Russia and some other countries.

Best Bank of Kazakhstan rating

Indicators "Bank CenterCredit"

The High stability of funding, according to experts, the typical "Bank CenterCredit". The rating of deposits of banks of Kazakhstan has been allocated to the eighth place. When considering the assets of a credit institution, it occupies the sixth position with a rating.

A Significant proportion of assets owned by a large Korean Bank.

Indicators Kaspibank

A Feature of this financial institution is a pronounced focus on lending to individuals. Although the inflow of deposits and decreased slightly here. The Bank itself occupies the second position in evaluating the profitability of existing capital. Among the total liabilities, about 47 % are deposits from individuals.

The Main shareholder of the Bank, the share of which slightly less than 90% is AO “Kaspi Group" (KASPI).

Performance "ATF Bank"

Advantage of the "ATF Bank" before many of his competitors experts call low reliance on deposits that draw individuals. A detailed examination of the assets of the credit institutions, the share of individuals account for just under 28 percent.

Just a few years ago the Bank's assets almost entirely been sold to the company "Asnitrogen". And as you can see today, the new policy of the Bank management is already yielding fruit.

Rating banks in Kazakhstan by assets

Indicators ForteBank

Completing the top ten in the rating of banks of Kazakhstan by the volume of deposits from individuals ForteBank. Thus, on the value of assets it takes a strong ninth position among the other credit institutions in the country. It is characterized by small dependence on deposits accepted from individuals – they account for no more than 25% of total assets.

Experts are predicting that lending institution a stable position along with steady development.

The Main share of the Bank shares belong to businessman Utemuratov, a well known in business circles of the CIS.

Indicators "Eurasian Bank"

When considering the rating of banks of Kazakhstan in terms of assets in tenth position is "Eurasian Bank". A credit institution receives funds from a variety of sources. For example, contributions from individuals account for less than 25% of the assets structure. Currently, experts note a reduction in the loan portfolio.

A Large part of the Bank's shares is in the hands of the Eurasian Financial Company under the leadership of Ibragimov and Alexander Mashkevich.

The reliability Ratings of Kazakh banks

Many international funding agencies are critical to the composition of assets of major domestic banks, their quality. In the preparation of the international rating of reliability of banks of Kazakhstan's specialists take into account such factors as the amount of capital, causing the first or the second level of the credit institution. It is with crisis situations provide more or less sustainable development.

Leading position the financial experts have given the "people's Bank" of Kazakhstan, which has a capital of the first level value in 310,1 billion tenge, from them 20% on the authorized capital.

"Kazkommertsbank" is the second line – its capital is estimated at 297 billion tenge. Third in this ranking of banks of Kazakhstan, experts recognized "BTA Bank".

The rating of such a credit institution as "SENIM-Bank" Bank Kassa Nova and NB of Pakistan.

the Rating of deposits of banks of Kazakhstan

Popular banks in Kazakhstan

A Separate financial experts are focusing on indicators such as the references to credit institutions. On this basis, formed the popularity ratings of banks.

QAZKOM is currently the most mentioned among banks of Kazakhstan. Of course, the last years for this credit institution has not been the most simple. The unpleasant factor was the lowering of its rating to the level of “CCC” rating Agency. But the Bank's management failed to urgently rectify the situation and to regain its previous international rating from S&P on the mark “”.

Despite the serious personnel changes in the management of the Bank, updating its brand, in recent years, he manages to build on existing assets.

"Halyk Bank of Kazakhstan" has taken an honourable second line in popularity rating from S&P. this was mostly caused by carrying out of information policy of open type. Here are regularly conducted press conferences, was covered many events in the life of the credit institution. Many experts believe that such high indicators of the Bank shall be the increased media activity of the President of the Board of Ahmatovoi.

Moreover, at the end of 2016, it is the "people's Bank" was able to win the leadership in the field of retail lending. This is one of the five most profitable banks in the country, which is also important. His profit increases.

SB JSC "Sberbank" has received third place in the popularity rating. For anybody not a secret that this is a child form one of the largest Russian banks. Experts believe that this popularity is due to the activity of "Sberbank" as such.

A Little less often referred to "Zhilstroysberbank". It is also very popular in Kazakhstan. For several reasons, including the implementation of programs from the government “Affordable housing” providing forthe financing of housing.

the Rating of reliability of banks of Kazakhstan

Analysts ' Forecasts and General trends

Current situation on the world stage ambiguous. Of course, this is reflected in the financial sector. The stability of many lending institutions of Kazakhstan are lost.

Recently, experts predicted a possible revocation of the license and Delta Bank. On the background of such experts estimate it has decreased to "CCC".

Analysts have tried to reduce the position of "Kazkom Bank" in the long-term credit ratings. But, due to strong government financial support, the negative scenario for this Bank of Kazakhstan is excluded.

Overall, at the end of 2016, a decline occurred in the ratings of many banks in the country from international agencies. This is due to the deterioration of the credit mechanism on the background of the General recession of the economy. Many credit institutions in a difficult financial situation had to make a number of reductions, involving not only cuts in sums of money on certain expenses like advertising and travel, but also decrease the number of employees.

Overall, due to the expected deterioration of the economic situation in the country major Kazakh banks are already taking steps to reduce dependence on various external resources. A policy of active use of own funds to Finance all activities.


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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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