0.934
RevenueKZT B
1.348
1.384
1.465
1.570
1.627
1.733
1.843
1.885
1.958
2.014
0.970
4.36%
4.34%
54
4.99
Revenue growth%
5.26
5.08
3.36
2.13
3.42
5.02
7.63
9.03
9.75
9.55
25.52
9.03
5.17
66
6.70
NIM%
22.25
22.48
22.45
21.74
22.13
24.95
24.57
23.31
23.78
23.77
4.27
23.78
22.89
16
8.37
Effic. R.%
28.27
29.52
27.43
25.53
22.76
23.75
22.44
21.05
22.32
21.39
14.44
22.32
23.25
30
13.99
Net margin%
13.22
10.72
8.38
7.73
9.49
12.44
10.44
12.34
12.25
9.97
20.21
12.25
10.58
44
9.132
P/E ratio (avg)x
10.60
12.38
12.80
13.43
14.19
13.95
13.92
16.37
18.51
21.19
8.462
16.37
13.94
58
28.19
P/TBVx
24.95
22.88
23.27
23.05
21.13
19.23
20.11
19.89
22.30
22.10
17.88
20.11
22.20
65
29.09
P/Bx
7.067
7.238
7.823
8.310
8.902
9.484
9.084
8.999
8.160
7.538
13.71
8.999
8.235
11
1.015
NIIKZT B
0.880
0.908
0.973
1.041
1.075
1.141
1.221
1.263
1.299
1.342
1.764
4.53%
4.38%
—
4.91
NII grth%
31.09
33.00
32.46
35.11
37.46
34.99
37.01
39.69
40.59
38.39
5.80
38.39
36.06
28
2.86
ROTE%
15.31
15.95
17.11
16.19
15.91
17.53
18.57
15.62
13.85
11.71
24.34
15.62
15.93
45
15.75
Return on equity%
29.38
28.15
30.88
33.28
34.69
33.48
35.49
37.01
35.87
33.35
17.80
35.49
33.42
68
16.24
Return on assets%
10.84
12.14
13.27
10.31
11.38
8.81
8.75
7.89
5.47
6.85
11.44
7.89
9.56
10
2.81
EPSKZT
3.11
3.55
3.62
3.70
3.53
3.69
4.05
4.24
4.04
4.44
2.94
4.68%
3.02%
—
5.18
EPS growth%
22.69
22.07
20.07
19.57
17.24
15.83
14.46
14.16
15.41
17.95
4.12
15.41
17.59
35
3.65
Bookvalue per shKZT
2.37
2.51
2.38
2.29
2.41
2.41
2.60
2.94
3.17
3.05
0.76
4.84%
3.78%
—
1.56
TBV/shKZT
3.86
3.79
4.24
4.81
5.28
5.97
5.89
5.71
5.62
6.36
2.22
3.82%
5.10%
—
1.40
Dividend per shKZT
0.55
0.53
0.57
0.52
0.56
0.56
0.54
0.53
0.58
0.60
3.48
1.56%
0.18%
—
15.63
Div yield (avg)%
14.54
14.34
16.52
18.37
18.73
19.20
21.01
21.27
19.93
21.69
7.46
21.01
18.96
69
4.46
Payout ratio%
15.03
12.53
11.25
14.20
13.68
11.71
14.53
12.58
10.22
8.55
20.27
11.71
12.55
31
209.9
Shares (diluted)M
227.7
211.7
230.3
222.0
209.5
207.4
201.7
222.7
223.4
205.6
201.6
(0.37%)
(0.86%)
26
24.16
Buyback yield%
23.56
21.32
20.26
20.30
22.24
23.58
21.25
19.69
21.83
23.65
29.25
21.83
21.58
62
24.95
Eq/Assets%
66.91
56.51
47.99
46.13
41.40
44.78
46.10
44.03
46.37
43.53
152.62
44.78
46.12
87
0.405
AssetsKZT B
2.471
2.749
2.991
3.234
3.568
3.807
4.117
4.596
5.037
5.742
0.197
9.98%
9.81%
40
1.468
LT debtKZT B
1.061
0.949
0.973
1.049
0.967
0.888
0.816
0.783
0.868
0.869
0.225
(2.13%)
(2.09%)
83
Total assets
KZT 5.742B
9.81%
1.67×
Revenue
KZT 2.014B
4.34%
1.00×
Non-interest expense
KZT 1.189B
4.65%
1.03×
Net interest income
66.64%
Non-interest income
33.36%