By Helgi Library - September 25, 2019
ATFBank's non-performing loans reached 15.5% of total loans at the end of 2018, up from 14.4% compared to the previous year. ...
By Helgi Library - September 25, 2019
ATFBank's non-performing loans reached 15.5% of total loans at the end of 2018, up from 14.4% compared to the previous year. ...
By Helgi Library - September 25, 2019
ATFBank's loans reached KZT 1,209 bil in the 2018, up from KZT 1,034 bil compared to the previous year. Historically, t...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | KZT bil | 46.0 | 46.6 | 45.5 |
| Net Fee Income | KZT bil | 10.9 | 12.2 | 15.9 |
| Other Income | KZT bil | 3.53 | 74.3 | 13.4 |
| Total Revenues | KZT bil | 60.5 | 133 | 74.9 |
| Staff Cost | KZT bil | 13.2 | 12.9 | 14.4 |
| Operating Profit | KZT bil | 36.8 | 108 | 47.7 |
| Provisions | KZT bil | 34.8 | 82.1 | 28.5 |
| Net Profit | KZT bil | 4.76 | 17.2 | 13.9 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | KZT bil | 12.0 | 7.28 | 10.8 |
| Customer Loans | KZT bil | 807 | 837 | 982 |
| Total Assets | KZT bil | 1,453 | 1,325 | 1,475 |
| Shareholders' Equity | KZT bil | 94.0 | 112 | 127 |
| Interbank Borrowing | KZT bil | 9.00 | 9.93 | 6.48 |
| Customer Deposits | KZT bil | 1,144 | 959 | 1,070 |
| Issued Debt Securities | KZT bil | 202 | 237 | 261 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 5.24 | 16.7 | 11.7 |
| ROA | % | 0.351 | 1.24 | 0.995 |
| Costs (As % Of Assets) | % | 1.75 | 1.80 | 1.94 |
| Costs (As % Of Income) | % | 39.2 | 18.8 | 36.3 |
| Capital Adequacy Ratio | % | 16.4 | 15.3 | 15.4 |
| Net Interest Margin | % | 3.39 | 3.36 | 3.25 |
| Loans (As % Of Deposits) | % | 70.5 | 87.3 | 91.8 |
| NPLs (As % Of Loans) | % | 21.9 | 14.4 | 15.5 |
| Provisions (As % Of NPLs) | % | 67.9 | 133 | 121 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 12.8 | 120 | -43.8 |
| Operating Cost Growth | % | 19.4 | 5.45 | 8.65 |
| Operating Profit Growth | % | 8.87 | 194 | -55.9 |
| Net Profit Growth | % | -34.1 | 261 | -19.0 |
| Customer Loan Growth | % | 2.07 | 3.73 | 17.4 |
| Total Asset Growth | % | 15.4 | -8.82 | 11.3 |
| Customer Deposit Growth | % | 26.0 | -16.2 | 11.6 |
| Shareholders' Equity Growth | % | 7.16 | 18.8 | 13.4 |
Get all company financials in excel:
| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Net Interest Income | KZT bil | ... | ... | 18.7 | 22.8 | 27.6 | 46.0 | ||
| Total Revenues | KZT bil | ... | ... | 25.0 | 33.8 | 53.6 | 60.5 | ||
| Operating Profit | KZT bil | ... | ... | 6.32 | 15.5 | 33.8 | 36.8 | ||
| Net Profit | KZT bil | ... | ... | 1.75 | 3.38 | 7.23 | 4.76 | ||
| balance sheet | |||||||||
| Interbank Loans | KZT bil | ... | ... | 2.28 | 8.06 | 11.5 | 12.0 | ||
| Customer Loans | KZT bil | ... | ... | 558 | 650 | 790 | 807 | ||
| Debt Securities | KZT bil | ... | ... | 99.7 | 116 | 115 | 90.3 | ||
| Total Assets | KZT bil | ... | ... | 912 | 984 | 1,259 | 1,453 | ||
| Shareholders' Equity | KZT bil | ... | ... | 74.2 | 77.5 | 87.7 | 94.0 | ||
| Interbank Borrowing | KZT bil | ... | ... | 106 | 121 | 12.0 | 9.00 | ||
| Customer Deposits | KZT bil | ... | ... | 604 | 705 | 908 | 1,144 | ||
| Issued Debt Securities | KZT bil | ... | ... | 124 | 78.3 | 248 | 202 | ||
| ratios | |||||||||
| ROE | % | ... | ... | 2.36 | 4.46 | 8.76 | 5.24 | ||
| ROA | % | ... | ... | 0.192 | 0.357 | 0.645 | 0.351 | ||
| Costs (As % Of Assets) | % | ... | ... | 2.05 | 1.93 | 1.77 | 1.75 | ||
| Costs (As % Of Income) | % | ... | ... | 74.7 | 54.2 | 37.0 | 39.2 | ||
| Capital Adequacy Ratio | % | ... | ... | 14.4 | 12.7 | 14.7 | 16.4 | ||
| Net Interest Margin | % | ... | ... | 2.05 | 2.40 | 2.46 | 3.39 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.8 | 67.3 | 51.5 | 76.1 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 16.2 | 22.4 | 14.9 | 18.1 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 49.9 | 55.6 | ||
| Equity (As % Of Assets) | % | ... | ... | 8.13 | 7.87 | 6.96 | 6.47 | ||
| Loans (As % Of Deposits) | % | ... | ... | 92.4 | 92.2 | 87.1 | 70.5 | ||
| Loans (As % Assets) | % | ... | ... | 61.2 | 66.0 | 62.8 | 55.5 | ||
| NPLs (As % Of Loans) | % | ... | ... | 43.3 | 32.2 | 20.9 | 21.9 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 78.0 | 70.7 | 77.8 | 67.9 | ||
| valuation | |||||||||
| Book Value Per Share Growth | % | ... | ... | ... | 21.6 | 21.4 | 66.6 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Interest Income | KZT bil | ... | ... | 58.6 | 64.8 | 77.9 | 128 | ||
| Interest Cost | KZT bil | ... | ... | 39.9 | 42.1 | 50.3 | 82.4 | ||
| Net Interest Income | KZT bil | ... | ... | 18.7 | 22.8 | 27.6 | 46.0 | ||
| Net Fee Income | KZT bil | ... | ... | 4.06 | 7.59 | 7.99 | 10.9 | ||
| Other Income | KZT bil | ... | ... | 2.24 | 3.46 | 18.0 | 3.53 | ||
| Total Revenues | KZT bil | ... | ... | 25.0 | 33.8 | 53.6 | 60.5 | ||
| Staff Cost | KZT bil | ... | ... | ... | ... | 9.91 | 13.2 | ||
| Depreciation | KZT bil | ... | ... | ... | ... | 2.14 | 2.37 | ||
| Other Cost | KZT bil | ... | ... | ... | ... | 7.79 | 8.16 | ||
| Operating Cost | KZT bil | 0 | 18.7 | 18.3 | 19.9 | 23.7 | |||
| Operating Profit | KZT bil | ... | ... | 6.32 | 15.5 | 33.8 | 36.8 | ||
| Provisions | KZT bil | ... | ... | 4.53 | 10.4 | 23.6 | 34.8 | ||
| Extra and Other Cost | KZT bil | ... | ... | -4.23 | 1.05 | 0 | 0 | ||
| Pre-Tax Profit | KZT bil | ... | ... | 6.02 | 4.06 | 10.2 | 2.02 | ||
| Tax | KZT bil | ... | ... | 4.20 | 0.595 | 2.92 | -2.81 | ||
| Minorities | KZT bil | ... | ... | 0.068 | 0.087 | 0.070 | 0.065 | ||
| Net Profit | KZT bil | ... | ... | 1.75 | 3.38 | 7.23 | 4.76 | ||
| Dividends | KZT bil | ... | ... | ... | 0.039 | 0.003 | 0.008 | ... | |
| growth rates | |||||||||
| Net Interest Income Growth | % | ... | ... | ... | 21.6 | 21.4 | 66.6 | ||
| Net Fee Income Growth | % | ... | ... | ... | 87.2 | 5.33 | 36.6 | ||
| Total Revenue Growth | % | ... | ... | ... | 35.2 | 58.6 | 12.8 | ||
| Operating Cost Growth | % | ... | ... | ... | -1.93 | 8.35 | 19.4 | ||
| Operating Profit Growth | % | ... | ... | ... | 145 | 118 | 8.87 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | -32.5 | 152 | -80.2 | ||
| Net Profit Growth | % | ... | ... | ... | 93.3 | 114 | -34.1 |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||
| Cash | KZT bil | ... | ... | 200 | 150 | 308 | 503 | ||
| Interbank Loans | KZT bil | ... | ... | 2.28 | 8.06 | 11.5 | 12.0 | ||
| Customer Loans | KZT bil | ... | ... | 558 | 650 | 790 | 807 | ||
| Retail Loans | KZT bil | ... | ... | 135 | 146 | 142 | 160 | ||
| Mortgage Loans | KZT bil | ... | ... | 55.2 | 59.8 | 60.8 | 64.2 | ||
| Consumer Loans | KZT bil | ... | ... | 79.7 | 85.9 | 81.6 | 95.7 | ||
| Corporate Loans | KZT bil | ... | ... | 708 | 696 | 648 | 647 | ||
| Debt Securities | KZT bil | ... | ... | 99.7 | 116 | 115 | 90.3 | ||
| Fixed Assets | KZT bil | ... | ... | 19.7 | 18.4 | 19.0 | 17.3 | ||
| Total Assets | KZT bil | ... | ... | 912 | 984 | 1,259 | 1,453 | ||
| Shareholders' Equity | KZT bil | ... | ... | 74.2 | 77.5 | 87.7 | 94.0 | ||
| Of Which Minority Interest | KZT bil | ... | ... | 0.213 | 0.258 | 0.401 | 0.499 | ||
| Liabilities | KZT bil | ... | ... | 838 | 907 | 1,172 | 1,359 | ||
| Interbank Borrowing | KZT bil | ... | ... | 106 | 121 | 12.0 | 9.00 | ||
| Customer Deposits | KZT bil | ... | ... | 604 | 705 | 908 | 1,144 | ||
| Retail Deposits | KZT bil | ... | ... | ... | ... | ... | ... | ||
| Corporate Deposits | KZT bil | ... | ... | ... | ... | ... | ... | ||
| Sight Deposits | KZT bil | ... | ... | ... | ... | 260 | 468 | ||
| Term Deposits | KZT bil | ... | ... | ... | ... | 647 | 676 | ||
| Issued Debt Securities | KZT bil | ... | ... | 124 | 78.3 | 248 | 202 | ||
| Other Liabilities | KZT bil | ... | ... | 3.81 | 2.78 | 3.66 | 4.29 | ||
| asset quality | |||||||||
| Non-Performing Loans | KZT bil | ... | ... | 365 | 271 | 197 | 207 | ||
| Gross Loans | KZT bil | ... | ... | 843 | 841 | 944 | 947 | ||
| Total Provisions | KZT bil | ... | ... | 284 | 192 | 153 | 141 | ||
| growth rates | |||||||||
| Customer Loan Growth | % | ... | ... | ... | 16.4 | 21.6 | 2.07 | ||
| Retail Loan Growth | % | ... | ... | ... | 8.05 | -2.23 | 12.3 | ||
| Mortgage Loan Growth | % | ... | ... | ... | 8.44 | 1.71 | 5.52 | ||
| Consumer Loan Growth | % | ... | ... | ... | 7.77 | -4.97 | 17.3 | ||
| Corporate Loan Growth | % | ... | ... | ... | -1.70 | -6.89 | -0.178 | ||
| Total Asset Growth | % | ... | ... | ... | 7.87 | 27.9 | 15.4 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | 4.41 | 13.2 | 7.16 | ||
| Customer Deposit Growth | % | ... | ... | ... | 16.7 | 28.8 | 26.0 | ||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||
| ROE | % | ... | ... | 2.36 | 4.46 | 8.76 | 5.24 | ||
| ROA | % | ... | ... | 0.192 | 0.357 | 0.645 | 0.351 | ||
| Costs (As % Of Assets) | % | ... | ... | 2.05 | 1.93 | 1.77 | 1.75 | ||
| Costs (As % Of Income) | % | ... | ... | 74.7 | 54.2 | 37.0 | 39.2 | ||
| Capital Adequacy Ratio | % | ... | ... | 14.4 | 12.7 | 14.7 | 16.4 | ||
| Tier 1 Ratio | % | ... | ... | 11.9 | 10.3 | 7.81 | 8.96 | ||
| Net Interest Margin | % | ... | ... | 2.05 | 2.40 | 2.46 | 3.39 | ||
| Interest Spread | % | ... | ... | ... | 2.01 | 2.11 | 2.96 | ||
| Asset Yield | % | ... | ... | 6.42 | 6.83 | 6.95 | 9.47 | ||
| Cost Of Liabilities | % | ... | ... | ... | 4.82 | 4.84 | 6.52 | ||
| Payout Ratio | % | ... | ... | ... | 1.15 | 0.036 | 0.171 | ... | |
| Interest Income (As % Of Revenues) | % | ... | ... | 74.8 | 67.3 | 51.5 | 76.1 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 16.2 | 22.4 | 14.9 | 18.1 | ||
| Other Income (As % Of Revenues) | % | ... | ... | 8.94 | 10.2 | 33.6 | 5.84 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 49.9 | 55.6 | ||
| Equity (As % Of Assets) | % | ... | ... | 8.13 | 7.87 | 6.96 | 6.47 | ||
| Loans (As % Of Deposits) | % | ... | ... | 92.4 | 92.2 | 87.1 | 70.5 | ||
| Loans (As % Assets) | % | ... | ... | 61.2 | 66.0 | 62.8 | 55.5 | ||
| NPLs (As % Of Loans) | % | ... | ... | 43.3 | 32.2 | 20.9 | 21.9 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 78.0 | 70.7 | 77.8 | 67.9 | ||
| Provisions (As % Of Loans) | % | ... | ... | 51.0 | 29.5 | 19.4 | 17.4 | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 0.812 | 1.72 | 3.27 | 4.35 |
| other data | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | 28.7 | 40.9 |
Get all company financials in excel:
By Helgi Library - September 25, 2019
ATFBank's loans reached KZT 1,209 bil in the 2018, up from KZT 1,034 bil compared to the previous year. Historically, the bank’s loans reached an all time high of KZT 1,209 bil in 2018 and an all time low of KZT 841 bil in 2014. In the last decade, the ...
By Helgi Library - September 25, 2019
ATFBank's net interest margin amounted to 3.25% in 2018, down from 3.36% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.39% in 2016 and an all time low of 2.40% in 2014. The average margin in th...
By Helgi Library - September 25, 2019
ATFBank's net interest margin amounted to 3.25% in 2018, down from 3.36% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.39% in 2016 and an all time low of 2.40% in 2014. The average margin in th...
By Helgi Library - September 25, 2019
ATFBank generated total banking revenues of KZT 74.9 bil in 2018, down 43.8% 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 133 bil in 2017 and an all ti...
By Helgi Library - September 25, 2019
ATFBank's capital adequacy ratio reached 15.4% at the end of 2018, up from 15.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.4% in 2016 and an all time low of 12.7% in 2014. The Tier 1 ratio amounted to ...
By Helgi Library - September 25, 2019
ATFBank generated total banking revenues of KZT 74.9 bil in 2018, down 43.8% 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 133 bil in 2017 and an all ti...
By Helgi Library - September 25, 2019
ATFBank's capital adequacy ratio reached 15.4% at the end of 2018, up from 15.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.4% in 2016 and an all time low of 12.7% in 2014. The Tier 1 ratio amounted to ...
By Helgi Library - September 25, 2019
ATFBank's retail loans reached KZT 208 bil at the end of 2018, up 14.3% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 21.2% of the bank's loan book at the end of 2018. ...
By Helgi Library - September 25, 2019
ATFBank's customer loan growth reached 17.4% in 2018, up from 3.73% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 21.6% in 2015 and an all time low of 2.07% in 2016. In the last decade, the average annual...
By Helgi Library - September 25, 2019
ATFBank's retail loans reached KZT 208 bil at the end of 2018, up 14.3% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 21.2% of the bank's loan book at the end of 2018. ...
ATFBank has been growing its revenues and asset by 24.5% and 10.1% a year on average in the last 5 years. Its loans and deposits have grown by 12.0% and 12.1% a year during that time and loans to deposits ratio reached 91.8% at the end of 2018. The company achieved an average return on equity of 9.37% in the last five years with net profit growing 51.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 36.3% in 2018, compared to 37.1% average in the last five years.
Equity represented 8.59% of total assets or 12.9% of loans at the end of 2018. ATFBank's non-performing loans were 15.5% of total loans while provisions covered some 121% of NPLs at the end of 2018.
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