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Presentation to Client Name

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Title: Presentation to Client Name Author: Denise Dyson Last modified by: ayelemessova Created Date: 12/16/2005 2:12:16 PM Document presentation format – PowerPoint PPT presentation

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Transcript and Presenter's Notes

Title: Presentation to Client Name


1


2009 ?. ??????????? ??????? ????? ???????????
????????? ???????? ??????? ??????????
2


???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ????????? ??? ??????????? ?????????? ????????
  • ?????????? ??????
  • ??????????? ????????, ????????, ????? ????????

1
3
???????
?????? ??????? ???????
??????????? ???? ????????? ??????? ????????? NurGroup-??? ????? ??????????????? ???????? ????? ???????? ??? ????????????? ????? ????????? ??????? ?????? ?????-?????????????? ???????? ??????? ???????????? ???????????? ?????? ?????? ?? ????? ????? ??????????? ???????? ????? ???? ???? ????????????? ???-??? ???? ?????? ????? ?????????? ?????? 2012 ?. ????? 50-?? ????? ??????? 2012 ?. ????? ????????? ??????? 80 ??????? ????? ??????? ?????? ???????????? ?????? ?????????????? ??????? ????? ????? ??????
??? ???????? ???? ??????????? ??????? ??????? ???????????? ?? ??? ???????? ???????? (2009 ?. ??????????????? ?????? 2.021 ????.) 8-?? ???? ???????? ????? ????????? ?????? ????????? ??????? ??????? ????????? ??????? ???????????? ??????? ????????? ???????? ???????? 6-?? ????
?????? ???? 2008/2009 ?. ???? ????????????? ???? ?????? ????? ????????????? ??????????? ??????? ??????? ???? ?????????? ?????????? ????????? ?????? ???????? 8 ????? ?????? ???????????? ??????????? ????????? ???????? ??????????? ??????? ?????? ???? ?????? ??????? ??????? ???????????????? ????? ???????? 8-? ???????? ???? 2011 ?. ?????? ???? USD 150 ???. ?????? ?????????? ??????????? ????? ????????. ?????????? ??????????? ???????????? 16,08-?? ???????? ?????????????? ?????????? ??????? ?????????? ??????? ?????????? ??? ??????? ???????? ?????????????????? ????????? ????????
2
4


???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ????????? ??? ??????????? ?????????? ????????
  • ?????????? ??????
  • ??????????? ????????, ????????, ????? ????????

3
5
????? ??????????????? ????
USD ???. ?????? 2008 2009
???????? 2 474 2 021
????????????? 2 003 1 728
?????????? 1 535 1 388
??????? 347 293
???? ???????? ????? 87 90
???? ?????/(?????) (11) 2,2
ROAE (3.6) 0,6
ROAA (0,6) 0,1
?????????? ???????????? (?2) 15.5 16,1
???? ???????? ??????? (???????? ?????????? ??????????) 4.9 4,2
???????? ??? ??????????? ?????????? 51.7 94,9
???????? ????????/???????? 5.8 7,8
NPL 4.4 3,2
????????2008 ????? ????? ??????? ????? ????
??????? ???????????????? ???? ???? ???? ?2
???? ???? ??????? 90 ?????? ???
????????????? 2009 ?.????? ?????? ?????????
?????????? ?????? ??????? ???????? 25-??
????????????? ??????????. ???????? ?????????????
2009 ????? ?????????????? ???????????? ?????? ???
?????? ?????? ???????????.
4
6

????? ??????? ????????
NurGroup ????? ??????? ?????? ??????????? ?????,
??????? ????? - 90.28
Nurfinance B.V. ???? ???????? ??????? ??????? ??????? ??, 100 7.06
????????? ?????????? ??????? ??, 100 1,28
?????????? ?????????? ??????? ??, 100 0.60
????????? ???? ????????? ??????????? ??????? ??, 100 0.55
????????? ???? ??????? ??, 74 0.34
????????? ?????????? ??????? ??????? ??, 100 0.23
7


???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ????????? ??? ??????????? ?????????? ????????
  • ?????????? ??????
  • ??????????? ????????, ????????, ????? ????????

6
8
??????? ????? ????????????

??????? ???????????? ??????????????? ???
?????????? (k2)
???????????? ???????????? (k4-1)
???????? ???????
???????? ???????
????????/??????????
???????????
  • ??????????? ?????????
  • ?????????????? ???????????? (k4-1) ????????
    ????????? ???????????? ( 7 ????? ?????
  • ??????? ??????????? ???????????? (k2)
    12-??? ??? ????
  • ???????????? ???????????? (K4-1) 100-??? ???
    ????

???????? ???????
7
9
????????? ????????, ???????? ????????
????????? ??????? ??????? ????????? ???????????
????????
?????????? ??????? ????????? ??????????? ????????
???????? ???????
???????????
  • ????? ???????????? ???????? ????????? 1 ?????
    ??????? ????? ?????? ??????????? ????????? ????
    ???? ????????.
  • ??????????? ??????????? ?????? ???????????
    ??????????

???????? ??????? ????? ???????? ?????
??????????? 3-??? ???????
???????? ????????, 2009 ?.
??? ????
???????? ????????, 7,81 7.27
8
10
NPL, ???????
NPL ?????????? ??????? ????
NPL ????????? ???????????? ????
???????? ???????
???????? ???????
NPL ??????????
???????????
  • NLP ??????? 90 ?????? ????? ?????????????
    ?????????? ?????? ??????????? (????????????
    ????? ???????? ??????? ??????????????).

11
????????? ??? ??????????? ?????????? ????????
???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ?????????? ??????
  • ??????????? ????????, ????????, ????? ????????

9
12
?????? ?????????????
??? ???? ??????????? ???? ?????? ?????????? ?????
????????? ????? ??????? ??? ??? ??????????? ????
????????? ???????????? ????????? ????? ????????
10
13
??????????? ??????????????
Islamic Development Bank
??? ????????? ????? ??????????? ??? ???
??????????? ????? ???????????? ????????? ?????
????????
11
14


???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ????????? ??? ??????????? ?????????? ????????
  • ?????????? ??????
  • ??????????? ???????, ????????, ????? ????????

12
15

??????? ?????????? ??????
?????????? ????????
????????????? ???????????
???????? ???????
???????? ???????
???????????
  • 2009 ???? ??????? ?????? ?????? ??????????????
    ??????? ????? ???????????? ????????? ???? ?????
    ??????? ????????? ??????? ?????????????? ???????
    ?? ???????? ???????? ?????.
  • ????? ????????????? ???????? ??????? ???????
    ??????? ??????????? ????? 11-??? 8-?? ?????
    ??????, ????? ?????????? ????????? ????????
    ???????? ?? ????? ??????????????? ???? ?????
    ????????.

In February 2009 the Government of Kazakhstan
devalued national currency Tenge (KZT) by 25.
Thus comparative financials 2009 denominated in
Tenge should be adjusted for impact from
devaluation when converted into USD
13
16

?????????? ????
??????????? ????
???????????? ????
???????? ???????
???????? ???????
???????????
??? ??????????
  • ?????????? ??????? ???? ????? ???????
    ???????????? ??????? ????? ????????.
  • ?? ???????? ???? ??? ???????? ???? ?????????? ???
    ?????? ?????? ????????? ??????? ?????
    ???????????????? ????? ????????????? ?????????.
  • ?????????? ??????? 2008/2009 ?. ???? ????????????
    ?????? ????? ??????? ???????????? ?????????.

???????? ???????
14
17


???????
  • ??????? ?????? ??????? ???????
  • ????? ??????????????? ????
  • ??????????? ?????? ???? ????????? ????????
  • ????????? ??? ??????????? ?????????? ????????
  • ?????????? ??????
  • ??????????? ????????, ????????????, ?????
    ????????

15
18
2010 ?????? 14 ????? ??????? ???-???? ???????
?????????????? ????????
???????????
  • ??????? ???? ???????? ????????? ???????

    ????? ????????? ????? ????? ????????
  • ????? ????????? ????? 70,52 ??????????? ???????
    ???? (??????????? ?????? ???????????? ????? ?????
    ???).
  • ?????????????? 24,66 ??????????? ????

2009 ?????? ??????????? ????????? ??????????
????????? ???????? 25 ????????????
??????????.???????? ????????????? 2009 ?.
?????????????? ???????????? ?????? ??? ??????
?????? ???????????.
16
19

????????
??????????? ?????? ??????????? ?????? ??????????? ??????
???-???? ????????? ??????? ???????
?????? ???????? ????? ??????????? ????????? ???????? ??????? ?? ??????????? ????????? ????????

?????? ??????? ????? ?????? ???????? ????? ??????????? ????????? ?????? ???????? ???????? KSP Steel-??? ????????? ????? ??? ?? ??????????? ????????? ??????, ???????? ????????
17
20

????????

???-???? ????????? ??? ??????? ????? ?????????? ????????????
????? ?????? ????? ???????? ???????? ?????? ????? ???????????? ?? ?????????? ????????????? ???? ????? ????????. ?? 2000 ?. ????????? 2008 ?. ???????? ????? ????? ????? ????????????? ???????? ????????? ????????. ?????? ????? ????? ??????? ??????? ???????? ????? ????????????? ?? ???????? ??????????? ?????????? ???????????? ?????? ????????. 1997 ?. ?????? 1998 ?. ????? ????????? ?? ???????? ??????????? ?????????? ???????? ????????.
?????? ??????? ????? ????????? ???????? ?????? ??????? ????? ???????? ??????? ????????? ?????????? ?????. ?? ?? ????? ??????????????, ??????? ????? ??????? ?????? ???????? ??????? ????????????? ??? ???????? ??????????. 2004 ?. ??????? ????? Kaspi ???? ?? ??????????, ?? ????? ???????? ?????????? ??? ??????????????? ????????? ?????????? ?? ???????? ??????????. ?? 2007 ?????? ??????????? ????????? ???-?? ???????? ????????? ????????? ????????? ??????? ??????? ????????. 2009 ?. ??????? ?? ??????? ??-?? ?????????.
????? ???????? ????? ????????? ???????? ???????? ????? ??????????? ?????? ????????????, ??????????? ???????????? ???? ??????? ????????? ?????????? ?????. ?? ?????? ???????? ???????? 1997 ?. ?????? Secondary Precious Stone ?????????? ??????????? ?????????? ??????? ????????. 1998-2000 ??. ????? ?????????????? ??????????? ??????????????? ????? ???????. 2000 ?. ???????? ????? ?????? ???????? ??????? ?????? ??????????? ????????????? ???????? ??????????????? ????? ???????. 2001-2002 ??. ???????????? ?????? ????? ????? ??????? ??????????????? ??? ????????? ????????? ????????. 2003 ?. ?? Money Expert ??-??? ????????? ????????? ???????????? ?????? ????????. Reims, ???????, ??????????? ?????????? MBA ????????? ????.
18
21

????? ????????

2009, ????? ???????? ?????-????? ??????????????? (??? ??????? ?????) ??????? ?????????????? 5 ???.-?? ?????? ?????? ???????? 100 ???.-???? ?????????????? ????? ?????????? ??????
2009, ?????? ???????? ????????????? ??? ?????????? ??????????? ?????????? ??????????????? (??? ??????? ?????) 150 ???.-?? ????? ??????????? ?????? ???????????? ??? ??????? ???? ??????? ???-?? 95 ???. ?????????? ?????? ??????? ??????????? ???????????? ??????? ??????? ????? ????????
2009, ????? ???????-????????? ?????????? ?????????? KZT 1 ????.-?? ????? ???????????? ?????????????? ???????
2009, ???????? ???? ????? ???? - ??????? ??????? ???????? ???? ???????? 10 ???. ???????? ?????? ?????? ????????.
19
22
????????? ??????????? ???????????
?????????? ??????? ????????? ?????? ??????????
???? ?????? www.nurbank.kz/en
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