INVESTOR PRESENTATION

1
PRESENTATION
2009
2
CONTENTS

• Strategy and Competitive Positioning
• BTA Group
• Cooperation with financial institutions
• Government Initiative
• Key Awards

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Key Milestones
Minority investment in Slavinvestbank, Moscow
Creation of Bank TuranAlem through the merger of
Turan and Alem Bank
Increase of equity by US 1.5 bln
Opening representative offices in Tokyo and Seoul
Processing of opening a bank in China
Privatisation to Kazakh investors
Representativeoffice in UAE
1925-1997
1998-2001
2004-2006
2002-2003
2007
2008
2009
Launching and implementation of the new strategy
and rebranding
International credit ratings raised to
Baa2/BB-/BB
EBRD, IFC, FMO, DEG, RZB become
shareholders First credit rating from
Moodys First bond issue Adoption of
geographical diversification strategy
Islamic bank opening
Minority investment in Sekerbank,
Turkey Acquisition of a majority stake in
Temirbank, Kazakhstan
Page 3
Source Bank Data
4
Mission and Strategy
Provide the full range of financial solutions in
the emerging markets of the CIS, Eastern Europe
and Asia
Increase its presence in the CIS and in
Kazakhstans key trade partners, such as Turkey
and China
Further enhance the banks leadership
position in Kazakhstan
Key Stakeholders Customers, Shareholders,
Employees Key Customers Retail clients and
SMEs Key Goal in Kazakhstan Evolution into a
universal financial group with market shares
of at least 25 in retail, SME and corporate
sectors Key Objective in the CIS Geographic
diversification of revenue through acquisition
and development of well-positioned retail
banks with strong clients bases and solid
balance sheets
Page 4
Source Bank Data
5
Key Competitive Advantages

• Extensive experience gained in both Kazakhstani
  and foreign markets enables BTA to effectively
  compete with key local rivals
• Intimate knowledge of the local markets and local
  customers needs create a strong basis to address
  competitive challenges from foreign commercial
  banks
• Innovative culture and continuous improvement of
  its product line and technologies help the bank
  stay in sync with the market
• Broad and expanding network of strategic partners
  increases stability of the Groups income and
  sets the stage for further revenue growth and
  diversification

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Solid positions in home market
Market share by Capital as of 3Q 2008
Market share by Assets as of 3Q 2008
Other 17.8
Other 13.6
BTA 24.7
BTA 28.2
Centrecredit 8.0
Centrcredit 5.1
Temir Bank 2.4
ATF Bank 6.8
ATF Bank 8.1
Temir Bank 3.7
Alliance Bank 8.4
Alliance Bank 10.8
KKB 20.2
KKB 16.0
Total per BS- 12.7 bln.
Halyk Bank 11.8
Total per BS- 104.3 bln.
Halyk Bank 14.6
Market share by Loans as of 3Q 2008
Market share by Deposits as of 3Q 2008
Other 13.1
Other 10.7
BTA 20.9
BTA 26.8
Centrcredit 8.7
Centrcredit 7.0
ATF Bank 5.6
ATF Bank 9.2
Temir Bank 2.7
Aliance Bank 6.8
Temir Bank 3.0
Aliance Bank 7.9
KKB 23.4
Halyk Bank 18.8
KKB 22.1
Halyk Bank 13.3
Total per BS- 67.3 bln.
Total per BS- 61.1 bln.
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Page 6
Source Bank Data
7
Strong positions in target sectors

• A large market share (approx. 40) in consumer
  payments (utilities, mobile phones and taxes)
• Market shares of 23.6 in deposits and 28.7 in
  consumer loans
• 778 ATMs, 422 Faster units in Kazakhstan and
  430 in CIS,160 CashPay 24-hours servicing
  terminals

Retail Banking

• SME considered with turnover from 25 to 2
  mln.USD
• Largest number of retail units serving SME
  clients
• Market share in SME 17.4 in 3Q2008

SME

• A broad range of services that includes fixed
  income products, corporate management, venture
  financing, trust management, cash management,
  online-banking
• Advanced Customer Relationship Management system
  helps maintain and develop a strong corporate
  client base and long-term relationships with
  clients
• Market share in corporate lending 32.5.

Corporate Banking
Source Bank Data
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Leading Banking Group in Kazakhstan
Group
100 Wide range of financial services, including
corporate banking, retail banking, mortgage, auto
finance, leasing
100 Provide auto, property and liability
insurance
98 a specialised medical insurer in Kazakhstan
and runs its own medical company to serve its
customers in 22 cities throughout Kazakhstan
100 one of the leading companies in voluntary
personal insurance and had a 16.1 share of the
market in the third quarter.
95 collects pension contributions, makes
pension disbursements and acts as its own asset
manager, the number of enrolled increased to
956,000 clients
100 the leading investment company in
Kazakhstan The company manages 14 mutual
investment funds with 86m of assets under
management
100 The first private mortgage company in
Kazakhstan The company has a 7.5 share in all of
the mortgage market and 37.5 of all lending by
mortgage companies
99 provide a full range of insurance services,
listed on the Kazakh Stock Exchange (KASE)
45 The Company activity focuses on SME leasing
in construction, services, agricultural and
transportation sectors, on the September 30, its
leasing portfolio amounted to 51.0 m
55 Wide range of financial services, including
corporate banking, retail banking, mortgage, auto
finance, leasing
46 Dynamically developing company, one of the
the leading leasing company in Kazakhstan
Source Bank Data
9
BTAs positions abroad
Plans 2009-2010
Rep. office in Tokyo
Rep. office in Seoul
Bank in Shanghai
Source Bank Data for December 31, 2008
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BTA interaction with Global Financial Markets
BTA Market Share in Trade Finance

• BTA maintains relations with more than 700
  institutions worldwide
• Wide geographical coverage
• BTA continues to be the leader in Trade Finance
  with the market share of 43
• More than 200 deals with participation of ECAs
  and EXIM Banks
• Volume of deals with ECA and EXIM Banks coverage
  is 856 331 993.78 US dollars.

BTA Bank Structured and Trade Finance Portfolio
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Government support for Kazakhstans economy

• National Bank of the Republic of Kazakhstan
  (NBRK) lowered minimum reserve requirements
  effective March 3, 2009 (from 3 on foreign
  obligations and 2 on domestic to 2.5 and 1.5
  respectively).

Reserve requirements

• Lowering of refinancing rate by NBRK from 10 to
  9.5 effective February 5.

Refinancing rate

• Increasing of deposit insurance cap from KZT
  700,000 to KZT 5 million.

Deposit Insurance
Stabilisation Programme

• A total of US21 billion in various economic
  stimulus packages will be made available by the
  government
• US10 billion from the National Fund
• US5 billion from the National Bank for the
  maintenance of bank liquidity
• about US5 billion from pension funds
• US1 billion from the Distressed Asset Fund.
• US21 billion represents about 20 of
  Kazakhstans GDP.
• On January 13, 2008, the government adopted the
  Joint Action Plan by Government, NBRK and FSA to
  support the economy and financial system
• Financial sector USD 4bln
• Real estate and mortgages- USD 3 bln
• SMEs USD 1 bln
• Agro-industrial sector USD 1 bln
• Breakthrough innovative infrastructure and
  industrial projects USD 1 bln

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Recapitalization of BTA Bank

• Total
  KZT 251 billion (US 2 billion).
• Funds received by the Bank KZT 212 billion
  (US 1.7 billion)
• Funds to be received KZT 39
  billion (US 263 million)
• Number of shares issued 29,915,425
  (common shares)
• Governments share in equity after completion of
  recapitalization 78.14

• Mr. Arman Dunayev ( Deputy Chairman of
  Samruk-Kazyna )appointed as the Chairman of Board
  of Directors
• Mr. Anvar Saydenov (former Chairman of National
  Bank) appointed as the Chairman of the Management
  Board
• Mr. Saduakas Mameshtegi (formerly chairman of the
  board of directors of JSC Astana Finance) and Mr.
  Seitkali Rakhimov (Representative of National
  Welfare Fund Samruk-Kazyna) appointed as
  members of the Management Board

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Key Awards and Recognitions

• BTA Bank won numerous awards in 2007-2008
• Best Bank of 2008 (Global Finance magazine)
• Best Islamic Financial Institutions of 2008
  (Global Finance magazine)
• Best Bank in Trade Finance in Kazakhstan 2007
  (Global Finance magazine)
• Transaction of the Year (Trade Finance
  Magazine, UK)
• Best Transaction of the Year (Global Trade
  Review Magazine, UK)
• Best Emerging Markets Borrower (Euromoney, UK)
• Bank of the Year in the CIS 2007 (Itogi,
  Russia)
• Perfect Bank (National Consumer League,
  Kazakhstan)
• Best Bank in the Central Asia region in 2007
  (Euromoney, UK)
• Best Managed Company 2007 (Euromoney, UK)
• Featured among the worlds best 1000 banks
  (ranked 295th), named Breakthrough of the Year
  (ranked 3rd) by The Banker magazine
• Best enterprise in Europe 2007 (EBA, UK)
• RMBS deal of the year Europe (International
  Securitization Report, Thomson)
• Best Deal of the Year (Islamic Finance News)
• In 2008, featured among the worlds best 200
  banks (ranked 173rd) by The Banker magazine

BTA Ipoteka
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