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% ...
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% ...
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...
| 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 |
Get all company financials in excel:
| 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 | ... |
Get all company financials in excel:
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 period of last year and 22.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee...
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 quarter. Historically, the bank’s net interest margin reached an all time high of 10.2% in 3Q2013 and an all time low of -1.67% ...
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 quarter. Historically, the bank’s net interest margin reached an all time high of 10.2% in 3Q2013 and an all time low of -1.67% ...
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. ...
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...
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. ...
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...
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...
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...
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 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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