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Halyk Savings Bank

Halyk Bank's net profit rose 272% yoy to KZT 89.7 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank made a net profit of KZT 89.7 bil under revenues of KZT 149 bil in the second quarter of 2019, up 272% and ...

Halyk Bank's net profit rose 272% yoy to KZT 89.7 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank made a net profit of KZT 89.7 bil under revenues of KZT 149 bil in the second quarter of 2019, up 272% and ...

Halyk Bank's npls (as % of loans) fell 29.8% yoy to 8.29% in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank's non-performing loans reached 8.29% of total loans at the end of 2019-06-30, down from 11.8% compared to the ...

Annual Quarterly LTM
Profit Statement Dec 2018 Mar 2019 Jun 2019
Net Interest Income KZT bil 99.0 92.6 97.7
Net Fee Income KZT bil 18.7 15.5 17.5
Other Income KZT bil 14.5 23.6 34.3
Total Revenues KZT bil 132 132 149
Operating Profit KZT bil 111 101 114
Provisions KZT bil 0.853 9.07 3.62
Net Profit KZT bil 90.3 74.5 89.7
Balance Sheet Dec 2018 Mar 2019 Jun 2019
Interbank Loans KZT bil 55.0 49.6 55.3
Customer Loans KZT bil 3,481 3,421 3,493
Total Assets KZT bil 8,959 8,865 9,059
Shareholders' Equity KZT bil 1,066 1,150 1,128
Interbank Borrowing KZT bil 168 168 477
Customer Deposits KZT bil 6,527 6,385 6,220
Issued Debt Securities KZT bil 901 828 904
Ratios Dec 2018 Mar 2019 Jun 2019
ROE % 35.3 26.9 31.5
ROA % 4.16 3.34 4.00
Costs (As % Of Assets) % 0.984 1.37 1.56
Costs (As % Of Income) % 16.1 23.1 23.4
Capital Adequacy Ratio % 19.9 20.9 19.6
Net Interest Margin % 4.57 4.16 4.36
Loans (As % Of Deposits) % 53.3 53.6 56.1
NPLs (As % Of Loans) % 9.47 8.95 8.29
Provisions (As % Of NPLs) % 111 121 129
Valuation Dec 2018 Mar 2019 Jun 2019
Price/Earnings (P/E) 4.61 4.91 4.10
Price/Book Value (P/BV) 1.10 1.14 1.21
Dividend Yield % 0 0 0
Earnings Per Share (EPS) KZT 22.8 22.8 28.5
Book Value Per Share KZT 95.4 98.4 96.5
Dividend Per Share KZT 0 0 0

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summary Unit 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 Jun 2019
income statement                                                                                
Net Interest Income KZT bil                                                                   81.7 76.1 90.0 84.8 99.0    
Total Revenues KZT bil                                                                   143 123 142 141 132    
Operating Profit KZT bil                                                                   101 90.4 108 108 111    
Net Profit KZT bil                                                                   38.0 62.1 24.1 77.8 90.3    
balance sheet                                                                                
Interbank Loans KZT bil                                                                   1,678 915 1,631 72.2 55.0    
Customer Loans KZT bil                                                                   3,251 3,226 3,240 3,260 3,481    
Debt Securities KZT bil                                                                   2,713 2,822 2,548 2,704 2,973    
Total Assets KZT bil                                                                   8,858 8,412 8,274 8,390 8,959    
Shareholders' Equity KZT bil                                                                   934 947 890 978 1,066    
Interbank Borrowing KZT bil                                                                   255 158 156 161 168    
Customer Deposits KZT bil                                                                   6,132 5,757 6,089 6,068 6,527    
Issued Debt Securities KZT bil                                                                   962 925 861 895 901    
ratios                                                                                
ROE %                                                                   17.3 26.4 10.5 33.3 35.3    
ROA %                                                                   1.74 2.87 1.16 3.73 4.16    
Costs (As % Of Assets) %                                                                   1.89 1.51 1.61 1.60 0.984    
Costs (As % Of Income) %                                                                   29.0 26.5 23.8 23.7 16.1    
Capital Adequacy Ratio %                                                                   18.9 20.0 19.1 19.9 19.9    
Net Interest Margin %                                                                   3.73 3.53 4.32 4.07 4.57    
Interest Income (As % Of Revenues) %                                                                   57.2 61.9 63.6 60.2 74.9    
Fee Income (As % Of Revenues) %                                                                   12.6 13.6 13.9 13.6 14.1    
Equity (As % Of Assets) %                                                                   10.5 11.3 10.8 11.7 11.9    
Loans (As % Of Deposits) %                                                                   53.0 56.0 53.2 53.7 53.3    
Loans (As % Assets) %                                                                   36.7 38.3 39.2 38.9 38.9    
NPLs (As % Of Loans) %                                                                   12.1 12.7 11.8 10.9 9.47    
Provisions (As % Of NPLs) %                                                                   73.8 74.5 83.0 89.9 111    
valuation                                                                                
Market Capitalisation (End Of Period) USD mil                                                                   15,764 21,730 17,878 16,667 16,881    
Number Of Shares (Average) mil                                                                   10,994 10,992 10,995 11,751 11,173    
Share Price (End Of Period) RUB                                                                   82.6 113 102 93.0 105    
Earnings Per Share (EPS) KZT                                                                   15.8 17.9 16.4 17.2 22.8    
Book Value Per Share KZT                                                                   85.0 86.2 80.9 83.2 95.4    
Dividend Per Share KZT                                                                   0 0 0 0 0    
Price/Earnings (P/E)                                                                   5.24 6.32 6.21 5.41 4.61    
Price/Book Value (P/BV)                                                                   0.972 1.31 1.26 1.12 1.10    
Dividend Yield %                                                                   0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ...                                                           32.1 34.0 18.0 9.42 44.3    
Book Value Per Share Growth % ... ... ... ...                                                           40.6 33.5 17.9 10.7 12.2    
income statement Unit 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 Jun 2019
income statement                                                                                
Interest Income KZT bil                                                                   167 164 173 168 179    
Interest Cost KZT bil                                                                   85.6 87.6 82.7 83.0 80.4    
Net Interest Income KZT bil                                                                   81.7 76.1 90.0 84.8 99.0    
Net Fee Income KZT bil                                                                   18.1 16.7 19.7 19.2 18.7    
Other Income KZT bil                                                                   43.2 30.2 31.8 36.9 14.5    
Total Revenues KZT bil                                                                   143 123 142 141 132    
Operating Cost KZT bil                                                                   41.5 32.5 33.7 33.3 21.3    
Operating Profit KZT bil                                                                   101 90.4 108 108 111    
Provisions KZT bil                                                                   43.1 -1.14 17.7 8.27 0.853    
Extra and Other Cost KZT bil                                                                   14.2 11.5 37.9 10.4 5.42    
Pre-Tax Profit KZT bil                                                                   44.1 80.1 52.3 88.9 105    
Tax KZT bil                                                                   8.17 10.2 47.0 10.9 14.3    
Minorities KZT bil                                                                   0.051 10.5 -11.4 0.162 0    
Net Profit KZT bil                                                                   38.0 62.1 24.1 77.8 90.3    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ...                                                           74.5 62.5 73.3 24.7 21.2    
Net Fee Income Growth % ... ... ... ...                                                           44.0 45.9 58.6 0.949 3.40    
Total Revenue Growth % ... ... ... ...                                                           106 86.4 95.2 25.4 -7.48    
Operating Cost Growth % ... ... ... ...                                                           109 88.8 62.7 27.2 -48.5    
Operating Profit Growth % ... ... ... ...                                                           105 85.6 108 24.8 9.30    
Pre-Tax Profit Growth % ... ... ... ...                                                           15.3 96.2 22.2 44.7 137    
Net Profit Growth % ... ... ... ...                                                           1.68 61.3 -40.3 37.8 137    
balance sheet Unit 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 Jun 2019
balance sheet                                                                                
Cash KZT bil                                                                   301 558 297 1,804 1,871    
Interbank Loans KZT bil                                                                   1,678 915 1,631 72.2 55.0    
Customer Loans KZT bil                                                                   3,251 3,226 3,240 3,260 3,481    
Retail Loans KZT bil                                                                   945 913 984 992 989    
Mortgage Loans KZT bil                                                                   553 256 257 268 273    
Consumer Loans KZT bil                                                                   393 657 727 724 715    
Corporate Loans KZT bil                                                                   2,602 2,628 2,583 2,598 2,880    
Debt Securities KZT bil                                                                   2,713 2,822 2,548 2,704 2,973    
Fixed Assets KZT bil                                                                   149 148 144 143 143    
Total Assets KZT bil                                                                   8,858 8,412 8,274 8,390 8,959    
Shareholders' Equity KZT bil                                                                   934 947 890 978 1,066    
Of Which Minority Interest KZT bil                                                                   72.4 77.7 66.7 0.006 0.006    
Liabilities KZT bil                                                                   7,923 7,465 7,384 7,412 7,893    
Interbank Borrowing KZT bil                                                                   255 158 156 161 168    
Customer Deposits KZT bil                                                                   6,132 5,757 6,089 6,068 6,527    
Sight Deposits KZT bil                                                                   1,734 1,654 2,123 1,991 2,234    
Term Deposits KZT bil                                                                   4,398 4,102 3,966 4,077 4,293    
Issued Debt Securities KZT bil                                                                   962 925 861 895 901    
Other Liabilities KZT bil                                                                   574 625 278 287 297    
asset quality                                                                                
Non-Performing Loans KZT bil                                                                   430 454 424 394 369    
Gross Loans KZT bil                                                                   3,568 3,564 3,592 3,614 3,891    
Total Provisions KZT bil                                                                   317 338 352 354 410    
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           40.2 45.3 47.6 4.39 7.07    
Retail Loan Growth % ... ... ... ...                                                           52.2 50.7 64.5 5.35 4.62    
Mortgage Loan Growth % ... ... ... ...                                                           194 44.3 55.8 -5.14 -50.5    
Consumer Loan Growth % ... ... ... ...                                                           -9.40 53.3 67.8 9.86 82.2    
Corporate Loan Growth % ... ... ... ...                                                           31.4 38.9 37.5 6.03 10.7    
Total Asset Growth % ... ... ... ...                                                           65.6 61.7 56.8 -3.28 1.14    
Shareholders' Equity Growth % ... ... ... ...                                                           40.4 33.5 17.9 18.3 14.0    
Customer Deposit Growth % ... ... ... ...                                                           60.5 59.1 74.9 -0.133 6.44    
ratios Unit 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 Jun 2019
ratios                                                                                
ROE %                                                                   17.3 26.4 10.5 33.3 35.3    
ROA %                                                                   1.74 2.87 1.16 3.73 4.16    
Costs (As % Of Assets) %                                                                   1.89 1.51 1.61 1.60 0.984    
Costs (As % Of Income) %                                                                   29.0 26.5 23.8 23.7 16.1    
Capital Adequacy Ratio %                                                                   18.9 20.0 19.1 19.9 19.9    
Tier 1 Ratio %                                                                   16.9 18.1 17.2 17.8 18.5    
Net Interest Margin %                                                                   3.73 3.53 4.32 4.07 4.57    
Interest Spread % ...                                                                 3.29 3.03 3.83 3.57 4.07    
Asset Yield %                                                                   7.63 7.58 8.28 8.06 8.27    
Cost Of Liabilities % ...                                                                 4.34 4.56 4.46 4.49 4.20    
Payout Ratio %                                                                   0 0 0 0 0    
Interest Income (As % Of Revenues) %                                                                   57.2 61.9 63.6 60.2 74.9    
Fee Income (As % Of Revenues) %                                                                   12.6 13.6 13.9 13.6 14.1    
Other Income (As % Of Revenues) %                                                                   30.2 24.5 22.5 26.2 11.0    
Equity (As % Of Assets) %                                                                   10.5 11.3 10.8 11.7 11.9    
Loans (As % Of Deposits) %                                                                   53.0 56.0 53.2 53.7 53.3    
Loans (As % Assets) %                                                                   36.7 38.3 39.2 38.9 38.9    
NPLs (As % Of Loans) %                                                                   12.1 12.7 11.8 10.9 9.47    
Provisions (As % Of NPLs) %                                                                   73.8 74.5 83.0 89.9 111    
Provisions (As % Of Loans) %                                                                   9.76 10.5 10.9 10.9 11.8    
Cost of Provisions (As % Of Loans) %                                                                   5.42 -0.141 2.19 1.02 0.101    
other data Unit 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 Jun 2019
other data                                                                                
Employees ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                 18,410 17,877 16,351 15,734 16,131    
Sight (As % Of Customer Deposits) %                                                                   28.3 28.7 34.9 32.8 34.2    

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Halyk Bank's npls (as % of loans) fell 29.8% yoy to 8.29% in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank's non-performing loans reached 8.29% of total loans at the end of 2019-06-30, down from 11.8% compared to the previous year. Historically, the NPL ratio hit an all time high of 19.1% in 2012-03-31 and an all time low of 8.29% in 2019-06-30. ...

Halyk Bank's market capitalisation (end of period) rose 6.94% to USD 21,612 mil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% In absol...

Halyk Bank's market capitalisation (end of period) rose 6.94% to USD 21,612 mil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% In absol...

Halyk Bank's share price (end of period) rose 14.4% yoy to RUB 117 in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank stock traded at RUB 117 per share at the end of second quarter of 2019 implying a market capitalization of USD 21,612 mil. Over the last five years, the stock has appreciated by 150 % implying an annual average growth of 20.2 %. In absolute terms, t...

Halyk Bank's share price (end of period) rose 14.4% yoy to RUB 117 in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank stock traded at RUB 117 per share at the end of second quarter of 2019 implying a market capitalization of USD 21,612 mil. Over the last five years, the stock has appreciated by 150 % implying an annual average growth of 20.2 %. In absolute terms, t...

Halyk Bank's corporate loans rose 11.6% yoy to KZT 2,882 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank's loans reached KZT 3,909 bil in the second quarter of 2019, up from KZT 3,834 bil when compared to the previous quarter and up from KZT 3,592 bil when compared to the same period of last year. Historically, the bank’s loans reach...

Halyk Bank's corporate loans rose 11.6% yoy to KZT 2,882 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank's loans reached KZT 3,909 bil in the second quarter of 2019, up from KZT 3,834 bil when compared to the previous quarter and up from KZT 3,592 bil when compared to the same period of last year. Historically, the bank’s loans reach...

Halyk Bank's net interest income rose 8.48% yoy to KZT 97.7 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank generated total banking revenues of KZT 149 bil in the second quarter of 2019, up 5.51% when compared to the same period of last year and 13.4% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...

Halyk Bank's net interest income rose 8.48% yoy to KZT 97.7 bil in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank generated total banking revenues of KZT 149 bil in the second quarter of 2019, up 5.51% when compared to the same period of last year and 13.4% when compared to the previous quarter. Historically, the bank’s revenues containing of interest,...

Halyk Bank's net interest margin rose 0.984% yoy to 4.36% in 2Q2019

By Helgi Library - October 23, 2019

Halyk Savings Bank's net interest margin amounted to 4.36% in the second quarter of 2019, up from 4.16% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.41% in 2Q2015 and an all time low of ...

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Finance

Halyk Savings Bank has been growing its revenues and asset by % and % a year on average in the last 10 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 53.3% at the end of 2018. The company achieved an average return on equity of 19.1% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 27.5% in 2018, compared to 30.6% average in the last decade.

Equity represented 11.9% of total assets or 30.6% of loans at the end of 2018. Halyk Savings Bank's non-performing loans were 17.3% of total loans while provisions covered some 61.0% of NPLs at the end of 2018.

Valuation

Halyk Savings Bank stock traded at RUB 102 per share at the end of 2018 resulting in a market capitalization of USD 3,424 mil. Over the previous five years, stock price rose by 161% or 21.2% a year on average. That’s compared to an average ROE of 23.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 4.48x and price to book value (PBV) of 1.07x in 2018.

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