Review of STB RK indicators: equity, capital adequacy ratios. September 2018

At the end of September of this year, the STB own capital reached 2.91 trillion tenge, an increase of 1.3% year-on-year.

In the same period of 2017, the total equity of Kazakhstan banks amounted to 2.87 trillion tenge— 3.9% more than a year earlier (2.76 trillion).

Over the past 5 years, the maximum value of the equity capital of the second-tier banks at the end of September was fixed in the current year.

The largest amount of equity at the end of September 2018 – at Halyk Bank: 1.05 trillion tenge. The capital adequacy ratios are as follows: K1 – 19.4%, K1-2 – 19.4% and K2 – 21.6%. The bank’s indicators significantly exceed the minimum allowable value of the coefficients set by the regulator (K1 – 5.5%, K1-2 – 6.5% and K2 – 8%).

The second place is occupied by Tsesnabank with a total equity of 341.1 billion tenge. Its coefficients: K1 – 12%, K1-2 – 12.1%, K2 – 18.3%.

Closes the top three with the maximum amount of equity of Bank RBK – 330.4 billion tenge. Bank ratios: K1 – 21.2%, K1-2 – 22.4%, K2 – 86.2%.

The equity capital adequacy ratios of all listed banks meet the standards at the end of September 2018.

Along with them, the TOP-5 includes Kaspi Bank (258.0 billion tenge) and ATFBank (243.4 billion tenge), the ratios of these banks also comply with the standards.

Despite the fact that the indicators of capital adequacy ratios of Tsesnabank exceed the minimum value, it is the only bank that did not fulfill the standards for the currency position and prudential standards in general in September of the current year.

At the end of September this year, the top five banks with the smallest amount of equity capital were opened by the KZI BANK: 26.5 billion tenge. At the same time, the adequacy ratios of this bank are at a high level: K1 – 43.6%, K1-2 – 43.6%, K2 – 43.6%.

Next is AsiaCredit Bank with a capital of 24.2 billion tenge and the following ratios: K1 – 18.9%, K1-2 – 18.9%, K2 – 18.1%.

Next comes Tengri Bank, with a net worth of 22.8 billion tenge. The values of the coefficients of this bank: K1 – 13.6%, K1-2 – 13.6% and K2 – 13.4%.

Close the TOP-5 among the banks with the lowest amount of equity capital Capital Bank and Kassa Nova – 21.9 billion tenge and 16.2 billion tenge, respectively.

The listed banks fulfill all prudential standards and have high capital adequacy ratios.

Banks with the smallest amount of equity in terms of K1, K1-2 and K2 ratios are in no way inferior to banks with large own capital.