The Kazakhstan banking sector is characterized by stable development. This largely explains the relatively high international rating of banks in Kazakhstan. Over the past years, most of them continue to develop. In many respects, the merit of such stability belongs to the leadership of the state, which provides sufficient support through banking structures in the economy.
Key indicators taken into account when compiling bank ratings
Viability indicators are most conveniently traced by the corresponding rating of banks in Kazakhstan. It was based on the basic financial standards of credit institutions along with the existing development dynamics of each of them.
When compiling the ratings of the best banks in Kazakhstan, special attention is paid to the timely return of customer deposits, even when certain financial problems appear at the bank itself.
Also taken into account is such an indicator as funding. Sustainability of funding refers to the ratio between loans and deposits issued to customers for a particular lending institution. Ideally, they should have approximately equal values, since this is a guarantee of financing loans already issued through attracted finance, without the use of interbank funding resources.
If the rating of banks in Kazakhstan shows that a particular institution is characterized by 100% funding (the term "funding" means raising borrowed capital from deposits and investments), this indicates the formation of an existing loan portfolio from deposits. Therefore, there is no urgent need, even in case of serious fluctuations in the capital market, for its urgent repayment.
Fast liquidity is another factor that will certainly be taken into account when compiling a credit rating of banks in Kazakhstan. It reflects the ability of an institution to urgently repay short-term liabilities through the sale of its own liquid assets. If the value is close to 100%, this is evidence of the long-term stability of banks. With a small ratio, the situation will not be critical either - bankruptcy can be completely avoided with proper use of funds received during the planned repayment of loans, even in times of crisis.
Features of bank ratings
When compiling a rating of Kazakhstan banks by their viability, all existing credit institutions of the country with the exception of Zhilstroysberbank are taken into account. This is because he, regardless of the circumstances, has full state support.
Particular success in the modern market of Kazakhstan is enjoyed by many subsidiaries of Russian credit institutions. In general, the position of a bank in one rating or another often depends on the owner of the bank.
The viability of the banks "Kazkom" and BTA
In 2014, the procedure for combining these credit institutions was launched. Now in the ratings of banks in Kazakhstan they are presented as one. Management is carried out by a well-known businessman Rakishev.
According to current information, this particular bank is today considered the most viable among credit institutions in Kazakhstan.
The viability of the Bank "People's Bank"
This credit institution in the ranking of banks in Kazakhstan gets an honorable second place. Such success is due to small indicators of outflow of deposits, which does not prevent the preservation of a leading position among other credit institutions in terms of customer deposits. The total share of assets is 14.4%.
Almost 70% of the bank’s shares are owned by ALMEX. The owners of this holding in equal shares are the spouses Kulibaeva.
Viability and performance of Tsesnabank
In the current rating, Tsesnabank of Kazakhstan is given the third place if the size of assets is considered. In terms of customer deposits, this credit institution is the eighth in the whole country.
International ratings of Kazakhstan banks favorably note close to unity funding indicators. That is, the shares between deposits from individuals and loans issued are perfectly observed here. The indicator of urgent liquidity has recently remained at low, but permissible marks.
The largest share in this bank belongs to the notorious Tsesna holding, which to some extent determines the high rating of Tsesna Bank of Kazakhstan.
Indicators of Sberbank of Kazakhstan
Various, including international, ratings of banks operating in Kazakhstan include a number of credit institutions. But the only bank that is among the top ten largest assets among subsidiaries of Russian banks is Sberbank of Kazakhstan. While he is in 5th place in the country on deposits accepted from individuals. The reduction in deposits here is also insignificant.
This institution belongs to Sberbank of Russia. The "Central Bank" of the country acts as the main founder, although certain shares in its capital belong to investors both from Russia and from some other countries.
Indicators "Bank CenterCredit"
High stability of funding, according to experts, is inherent in Bank CenterCredit. According to the rating of deposits of banks of Kazakhstan, it is eighth. When considering the assets of a credit institution, it takes the sixth position in the corresponding rating.
A significant share of assets belongs to a large Korean bank.
Kaspibank indicators
A feature of this financial institution is a pronounced focus on lending to individuals. Although the influx of deposits here has declined slightly. The bank itself takes the second position in assessing the profitability of existing capital. Of the total liabilities, about 47% falls on deposits from individuals.
The main shareholder of the bank, whose share is slightly less than 90%, is Kaspi Group JSC (CASPI GROUP).
ATF Bank indicators
Specialists call the advantage of ATF Bank over many of its competitors low dependence on deposits made by individuals. In a detailed examination of the assets of a credit institution, individuals account for a little less than 28%.
Just a few years ago, the bank’s assets were almost completely sold to KazNitrogenGas. And as you can see today, the new policy of the bank's leadership is already bearing fruit.
ForteBank Performance
It completes the top ten in the rating of banks in Kazakhstan in terms of deposits from individuals ForteBank. Moreover, in terms of assets, he occupies a confident ninth position among other credit institutions of the country. It is characterized by little dependence on deposits accepted from individuals - they account for no more than 25% of the total asset structure.
Experts prophesy to this credit institution stable positions along with confident development.
The main share of the bank belongs to businessman Utemuratov, well known in the business community of the CIS.
Indicators of the Eurasian Bank
When considering the rating of Kazakhstan banks by assets, Eurasian Bank is in tenth position. This lending institution receives funds from various sources. So, deposits from individuals make up less than 25% of the asset structure. At the moment, experts note a slight reduction in the loan portfolio.
Most of the bank's shares are in the hands of the Eurasian Finance Company under the leadership of A. Ibragimov and A. Mashkevich.
Reliability ratings of Kazakhstan banks
Many international financial agencies are critical of the composition of the assets of the main Kazakhstan banks and their quality. When compiling the international reliability rating of banks in Kazakhstan, specialists take into account indicators such as the amount of capital that determine the first or second level of a credit institution. It is she who, in the event of a crisis, will provide more or less sustainable development.
Financial experts gave the leading positions to Halyk Bank of Kazakhstan, which has a first-level capital of 310.1 billion tenge, of which 20% falls on the authorized capital.
"Kazkommertsbank" takes the second line - its capital is estimated at 297 billion tenge. Experts recognized BTA Bank as the third in such a rating of Kazakhstan banks.
Closing the rating are such credit institutions as Senim Bank, Kassa Nova Bank and the National Bank of Pakistan.
The popularity of banks in Kazakhstan
Financial experts make up a separate rating, focusing on such an indicator as the mentioning of credit institutions. Based on this, the ratings of popularity of banks are formed.
QAZKOM is currently the most mentioned among banks in Kazakhstan. Of course, recent years have not been the easiest for this credit institution. An unpleasant factor was the downgrade of his rating to the mark "CCC" by a rating agency. But the bank’s management managed to urgently rectify the situation and regain the previous international rating from S&P to the mark “B-”.
Despite serious personnel shifts in the bank’s management, updating its brand, recently it has been able to build up its existing assets.
"People's Bank of Kazakhstan" took the honorable second line of the popularity rating from S&P. In many ways, this was facilitated by an open-type information policy. Press conferences were regularly held here, many events in the life of a credit institution were covered. Many experts believe that the bank owes such high rates to increased media activity of the chairman of its board, Shayakhmetova.
Moreover, according to the results of 2016, it was Halyk Bank that managed to gain 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 is increasing.
DB from Sberbank JSC got the third place in the popularity rating. It's no secret that this is a subsidiary of one of the largest Russian banks. Experts are sure that such a high popularity is due to the activities of Sberbank as such.
Housing Construction Savings Bank is a little less frequently mentioned. It is also very popular in Kazakhstan. There are several reasons for this, including the implementation of the Affordable Housing program from the state, which provides for the financing of housing construction.
Analyst forecasts and general trends
The current situation on the world stage is ambiguous. Of course, this is reflected in the financial sphere. The stability of many credit institutions in Kazakhstan is lost.
So, recently experts predicted a possible revocation of the license and Delta Bank. Against the background of such conclusions of experts, his assessment fell to "CCC".
Analysts tried to lower the position of Kazkom Bank in long-term credit ratings. But, in view of the strong state financial support, a negative scenario for this Kazakhstani bank is excluded.
In general, according to the results of 2016, there was a decrease in the ratings of many banks of the country from international agencies. This is due to the deterioration of the credit mechanism against the background of a general recession of the country's economy. In many difficult financial situations, many credit institutions had to make a number of cuts, which involved not only cutting monetary amounts for certain expense items such as advertising and business trips, but also reducing the number of employees.
In general, due to the expected deterioration of the economic situation in the country, the main Kazakhstan banks are already taking steps to reduce their dependence on various external resources. The policy of active use of own funds to finance all types of activities.