As a free sample for clients and potential clients,
below is offered summary information on a sample bank in Eastern Europe or
Central Asia selected casually from among those offering moderate (not
particularly high) interest rates for foreign-currency retail term deposits.
Bank info:
Name: Kaspi Bank (JSC Kaspi Bank) (Акционерное
общество «Kaspi Bank»)
Headquarters: Almaty, Kazakhstan.
Founded: 1991.
Total assets: KZT* 850.8855 bln
(USD 5.539 bln) as of 31 Dec. 2013, ranking in 8th place out of 38
banks operating in Kazakhstan.
*As of 31 Dec. 2013 the
official exchange rate for the Kazakhstani tenge (KZT) was USD 1 = KZT 153.61
Total loans to customers: KZT 615.2042
bln (USD 4.005 bln) as of 31 Dec. 2013.
Total deposits: KZT 588.0311
bln (USD 3.828 bln) as of 31 Dec. 2013, of which 69.51% were from
retail clients and 30.49% were from commercial clients.
Net profit (loss) for 4Q 2013:
KZT 5,748,283,000 (USD 37.42
mln).
POS locations: 687
as of 30 June 2013.
Number of ATMs: 212
as of 30 June 2013.
Number of employees: 7,676
as of 30 June 2013.
Ownership structure: As of 1 January 2014 the bank was owned
88.34% by Caspian Financial Group JSC (АО «Caspian Financial Group») of
Almaty, Kazakhstan. According to a
prospectus dated 29 October 2013 (available in either Russian or English),
Caspian Financial Group in turn is owned 99.99% by Mr. Vyacheslav Konstantinovich
Kim (Вячеслав Ким), a shareholder of the bank and chairman of the
bank’s board of directors since 2006.
Data on the bank at the website
of the Kazakhstan Stock Exchange (KASE), including contact info, ownership
data, credit ratings, company filings and announcements from 1999 onward, and
company documents including quarterly/annual financial statements from 2001
onward:
In Russian: АО "Kaspi Bank"
(CSBN)
In Kazakh: "Kaspi Bank" АҚ
(CSBN)
In English (less complete –
lacks documents): Kaspi Bank JSC (CSBN)
Monthly/quarterly/annual
data on all banks in Kazakhstan at the website of the National Bank of
Kazakhstan (in each case it is necessary to first navigate to the homepage,
switch to the language desired, and then navigate to the link given below):
In Russian: Финансовые показатели
In Kazakh: Қаржы көрсеткіштері
In English: Financial performance
Financial statements at
bank’s website:
In Russian: Consolidated, audited annual financial
statements according to IFRS, 2009-2012:
Отчетность
In Russian and Kazakh: Unconsolidated
and unaudited quarterly balance sheets and income statements compiled according
to standards of National Bank of Kazakhstan, 2004-2013: Отчетность
In Kazakh: Financial
statements, 2004-2009: Есеп
беру
In English: Financial
statements compiled in accordance with IFRS, audited, 2001-2012: Financial
Statements
Auditor: Deloitte, LLP (ТОО
«Делойт»)
Ratings:
Moody’s Investors Service
– 14
June 2012, 6
November 2012:
Long-term global local currency deposit rating: B1
National scale rating (NSR): Ba2.kz
Standalone bank financial strength rating (BFSR): E+
Short-term local currency deposit rating: Not Prime
Short-term foreign currency deposit rating: Not Prime
Outlook: Stable
Standard & Poor’s – 5 December
2012:
Long-term counterparty credit rating (issuer credit
rating, ICR): BB-
Short-term counterparty credit rating: B
Outlook: Stable
Stand-alone credit profile (SACP): b+
Kazakhstan national scale rating: kzA-
SWIFT Code: CASPKZKA
YouTube channel: kaspi bank (55 videos).
Catalog of repossessed
collateral for sale, with photos and prices:
Залоговое имущество
Contact info:
Phone: (+7) 727-258-5965
Fax: (+7) 727-250-9596
E-mail: office@kaspibank.kz
Terms for retail term deposit “Caspian”
(«Каспийские депозиты»)
with compounding of interest:
USD (min. USD 100): 4.52% a.p.r. for 3 months, 4.54% for 6 mos., 4.59%
for 12 mos.
EUR (min. EUR 100): 3.80% a.p.r. for 3 months, 3.84% for 6 mos., 3.87%
for 12 mos.
KZT (min. KZT 15,000): 10.08% a.p.r. for 3 months, 10.21% for 6
mos., 10.47% for 12 mos.
