HSBK.L
JSC Halyk Bank
HSBK.L
(3.5)8,90 USD
4.48% ROA
32.77% ROE
1.71x PER
10.929.688.909,92 USD
27.82% DER
0.06% Yield
55.66% NPM
JSC Halyk Bank Stock Analysis
JSC Halyk Bank Fundamental Analysis
Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.
| # | Analysis | Rating |
|---|---|---|
| 1 |
ROE
The stock's ROE exceeds expectations (32.1%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity. |
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| 2 |
PBV
With a remarkably low PBV ratio (0.55x), the stock offers substantial upside potential at a bargain price. |
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| 3 |
DER
The stock has a minimal amount of debt (28%) relative to its ownership, showcasing a strong financial position and lower risk for investors. |
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| 4 |
Net Profit Growth
Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect. |
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| 5 |
Dividend
The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option. |
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| 6 |
ROA
The stock's ROA (4.48%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits. |
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| 7 |
Revenue Growth
Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice. |
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| 8 |
Graham Number
The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity. |
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| 9 |
Buffet Intrinsic Value
The company's stock seems undervalued (9.291) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price. |
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| 10 |
Assets Growth
Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity. |
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| 11 |
Dividend Growth
Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns. |
JSC Halyk Bank Technical Analysis
Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.
| # | Analysis | Recommendation |
|---|---|---|
| 1 | Awesome Oscillator | Hold |
| 2 | MACD | Sell |
| 3 | RSI | Hold |
| 4 | Stoch RSI | Sell |
JSC Halyk Bank Price Chart
Financial Statements
Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.
Income Statements
An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.
Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.
| Year | Revenue | Growth |
|---|---|---|
| 2006 | 0 | |
| 2007 | 0 | 0% |
| 2008 | 0 | 0% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 165.697.000.000 | 100% |
| 2013 | 183.454.000.000 | 9.68% |
| 2014 | 223.854.000.000 | 18.05% |
| 2015 | 258.436.000.000 | 13.38% |
| 2016 | 278.275.000.000 | 7.13% |
| 2017 | 410.717.000.000 | 32.25% |
| 2018 | 563.593.000.000 | 27.13% |
| 2019 | 630.397.000.000 | 10.6% |
| 2020 | 636.757.000.000 | 1% |
| 2021 | 791.427.000.000 | 19.54% |
| 2022 | 1.109.297.000.000 | 28.66% |
| 2023 | 1.102.024.000.000 | -0.66% |
Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.
| Year | Research and Development Expenses | Growth |
|---|---|---|
| 2006 | 0 | |
| 2007 | 0 | 0% |
| 2008 | 0 | 0% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 0 | 0% |
| 2013 | 0 | 0% |
| 2014 | 0 | 0% |
| 2015 | 0 | 0% |
| 2016 | 0 | 0% |
| 2017 | 0 | 0% |
| 2018 | 0 | 0% |
| 2019 | 0 | 0% |
| 2020 | 0 | 0% |
| 2021 | 0 | 0% |
| 2022 | 0 | 0% |
| 2023 | 0 | 0% |
General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.
| Year | General and Administrative Expenses | Growth |
|---|---|---|
| 2006 | 0 | |
| 2007 | 0 | 0% |
| 2008 | 0 | 0% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 309.000.000 | 100% |
| 2013 | 1.888.000.000 | 83.63% |
| 2014 | 2.646.000.000 | 28.65% |
| 2015 | 2.305.000.000 | -14.79% |
| 2016 | 2.596.000.000 | 11.21% |
| 2017 | 7.852.000.000 | 66.94% |
| 2018 | 5.210.000.000 | -50.71% |
| 2019 | 5.997.000.000 | 13.12% |
| 2020 | 4.959.000.000 | -20.93% |
| 2021 | 6.155.000.000 | 19.43% |
| 2022 | 1.826.000.000 | -237.08% |
| 2023 | 0 | 0% |
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.
| Year | EBITDA | Growth |
|---|---|---|
| 2006 | 37.472.025.000 | |
| 2007 | 54.105.086.200 | 30.74% |
| 2008 | 21.263.980.608 | -154.44% |
| 2009 | 24.941.881.100 | 14.75% |
| 2010 | 51.278.990.400 | 51.36% |
| 2011 | 54.821.930.064 | 6.46% |
| 2012 | 161.255.000.000 | 66% |
| 2013 | 170.338.000.000 | 5.33% |
| 2014 | 224.379.000.000 | 24.08% |
| 2015 | 263.237.000.000 | 14.76% |
| 2016 | 332.279.000.000 | 20.78% |
| 2017 | 466.457.000.000 | 28.77% |
| 2018 | 681.413.000.000 | 31.55% |
| 2019 | 382.081.000.000 | -78.34% |
| 2020 | 404.558.000.000 | 5.56% |
| 2021 | 539.523.000.000 | 25.02% |
| 2022 | 1.253.567.000.000 | 56.96% |
| 2023 | 819.512.000.000 | -52.97% |
Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.
| Year | Gross Profit | Growth |
|---|---|---|
| 2006 | 0 | |
| 2007 | 0 | 0% |
| 2008 | 0 | 0% |
| 2009 | 0 | 0% |
| 2010 | 0 | 0% |
| 2011 | 0 | 0% |
| 2012 | 165.697.000.000 | 100% |
| 2013 | 183.454.000.000 | 9.68% |
| 2014 | 223.854.000.000 | 18.05% |
| 2015 | 258.436.000.000 | 13.38% |
| 2016 | 278.275.000.000 | 7.13% |
| 2017 | 410.717.000.000 | 32.25% |
| 2018 | 563.593.000.000 | 27.13% |
| 2019 | 630.397.000.000 | 10.6% |
| 2020 | 636.757.000.000 | 1% |
| 2021 | 791.427.000.000 | 19.54% |
| 2022 | 1.109.297.000.000 | 28.66% |
| 2023 | 1.102.024.000.000 | -0.66% |
Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.
| Year | Net Profit | Growth |
|---|---|---|
| 2006 | 26.659.084.260 | |
| 2007 | 40.097.048.640 | 33.51% |
| 2008 | 14.599.973.544 | -174.64% |
| 2009 | 15.709.932.460 | 7.07% |
| 2010 | 35.942.896.000 | 56.29% |
| 2011 | 39.390.991.464 | 8.75% |
| 2012 | 69.517.000.000 | 43.34% |
| 2013 | 72.137.000.000 | 3.63% |
| 2014 | 114.377.000.000 | 36.93% |
| 2015 | 120.312.000.000 | 4.93% |
| 2016 | 131.412.000.000 | 8.45% |
| 2017 | 173.362.000.000 | 24.2% |
| 2018 | 254.238.000.000 | 31.81% |
| 2019 | 334.511.000.000 | 24% |
| 2020 | 352.653.000.000 | 5.14% |
| 2021 | 462.377.000.000 | 23.73% |
| 2022 | 553.751.000.000 | 16.5% |
| 2023 | 707.828.000.000 | 21.77% |
EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.
| Year | Earning per Share (EPS) | Growth |
|---|---|---|
| 2006 | 118 | |
| 2007 | 164 | 28.22% |
| 2008 | 60 | -176.27% |
| 2009 | 53 | -13.46% |
| 2010 | 111 | 52.73% |
| 2011 | 138 | 20.29% |
| 2012 | 255 | 45.88% |
| 2013 | 265 | 3.41% |
| 2014 | 419 | 36.99% |
| 2015 | 441 | 4.99% |
| 2016 | 480 | 7.93% |
| 2017 | 631 | 23.97% |
| 2018 | 910 | 30.77% |
| 2019 | 1.146 | 20.52% |
| 2020 | 1.206 | 5.06% |
| 2021 | 1.583 | 23.77% |
| 2022 | 2.034 | 22.18% |
| 2023 | 2.601 | 21.84% |
Cashflow Statements
Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.
Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.
| Year | Free Cashflow | Growth |
|---|---|---|
| 2006 | 77.008.808.100 | |
| 2007 | 15.000.979.180 | -413.36% |
| 2008 | -101.727.025.920 | 114.75% |
| 2009 | 335.729.057.510 | 130.3% |
| 2010 | 156.589.910.400 | -114.4% |
| 2011 | 51.001.186.104 | -207.03% |
| 2012 | 33.849.000.000 | -50.67% |
| 2013 | 64.021.000.000 | 47.13% |
| 2014 | -32.418.000.000 | 297.49% |
| 2015 | 237.193.000.000 | 113.67% |
| 2016 | 543.708.000.000 | 56.37% |
| 2017 | 107.524.000.000 | -405.66% |
| 2018 | 169.843.000.000 | 36.69% |
| 2019 | 18.564.000.000 | -814.91% |
| 2020 | -288.799.000.000 | 106.43% |
| 2021 | 915.919.000.000 | 131.53% |
| 2022 | 729.767.000.000 | -25.51% |
| 2023 | -30.616.000.000 | 2483.61% |
Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.
| Year | Operating Cashflow | Growth |
|---|---|---|
| 2006 | 85.592.840.160 | |
| 2007 | 39.018.941.720 | -119.36% |
| 2008 | -82.622.985.744 | 147.23% |
| 2009 | 344.884.113.450 | 123.96% |
| 2010 | 166.834.967.200 | -106.72% |
| 2011 | 60.393.141.072 | -176.25% |
| 2012 | 42.302.000.000 | -42.77% |
| 2013 | 70.290.000.000 | 39.82% |
| 2014 | -15.977.000.000 | 539.94% |
| 2015 | 254.324.000.000 | 106.28% |
| 2016 | 561.911.000.000 | 54.74% |
| 2017 | 122.216.000.000 | -359.77% |
| 2018 | 180.015.000.000 | 32.11% |
| 2019 | 35.778.000.000 | -403.14% |
| 2020 | -255.845.000.000 | 113.98% |
| 2021 | 943.957.000.000 | 127.1% |
| 2022 | 765.103.000.000 | -23.38% |
| 2023 | -18.955.000.000 | 4136.42% |
Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.
| Year | Capital Expenditure | Growth |
|---|---|---|
| 2006 | 8.584.032.060 | |
| 2007 | 24.017.962.540 | 64.26% |
| 2008 | 19.104.040.176 | -25.72% |
| 2009 | 9.155.055.940 | -108.67% |
| 2010 | 10.245.056.800 | 10.64% |
| 2011 | 9.391.954.968 | -9.08% |
| 2012 | 8.453.000.000 | -11.11% |
| 2013 | 6.269.000.000 | -34.84% |
| 2014 | 16.441.000.000 | 61.87% |
| 2015 | 17.131.000.000 | 4.03% |
| 2016 | 18.203.000.000 | 5.89% |
| 2017 | 14.692.000.000 | -23.9% |
| 2018 | 10.172.000.000 | -44.44% |
| 2019 | 17.214.000.000 | 40.91% |
| 2020 | 32.954.000.000 | 47.76% |
| 2021 | 28.038.000.000 | -17.53% |
| 2022 | 35.336.000.000 | 20.65% |
| 2023 | 11.661.000.000 | -203.03% |
Balance Sheet
Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.
Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.
| Year | Equity | Growth |
|---|---|---|
| 2006 | 120.626.905.500 | |
| 2007 | 160.902.494.940 | 25.03% |
| 2008 | 191.055.017.712 | 15.78% |
| 2009 | 280.952.205.730 | 32% |
| 2010 | 317.883.992.800 | 11.62% |
| 2011 | 310.327.028.352 | -2.44% |
| 2012 | 339.639.000.000 | 8.63% |
| 2013 | 392.179.000.000 | 13.4% |
| 2014 | 475.221.000.000 | 17.47% |
| 2015 | 529.928.000.000 | 10.32% |
| 2016 | 665.593.000.000 | 20.38% |
| 2017 | 934.457.000.000 | 28.77% |
| 2018 | 1.065.646.000.000 | 12.31% |
| 2019 | 1.307.223.000.000 | 18.48% |
| 2020 | 1.493.268.000.000 | 12.46% |
| 2021 | 1.573.604.000.000 | 5.11% |
| 2022 | 1.911.234.000.000 | 17.67% |
| 2023 | 2.017.271.000.000 | 5.26% |
Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.
| Year | Assets | Growth |
|---|---|---|
| 2006 | 991.358.968.980 | |
| 2007 | 1.594.952.455.800 | 37.84% |
| 2008 | 1.651.349.026.392 | 3.42% |
| 2009 | 2.023.009.093.730 | 18.37% |
| 2010 | 2.097.935.048.000 | 3.57% |
| 2011 | 2.273.929.850.544 | 7.74% |
| 2012 | 2.407.998.000.000 | 5.57% |
| 2013 | 2.506.414.000.000 | 3.93% |
| 2014 | 2.809.782.000.000 | 10.8% |
| 2015 | 4.454.938.000.000 | 36.93% |
| 2016 | 5.348.483.000.000 | 16.71% |
| 2017 | 8.857.781.000.000 | 39.62% |
| 2018 | 8.959.024.000.000 | 1.13% |
| 2019 | 9.234.758.000.000 | 2.99% |
| 2020 | 10.387.832.000.000 | 11.1% |
| 2021 | 12.091.370.000.000 | 14.09% |
| 2022 | 14.311.372.000.000 | 15.51% |
| 2023 | 14.241.454.000.000 | -0.49% |
Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.
| Year | Liabilities | Growth |
|---|---|---|
| 2006 | 30.708.043.860 | |
| 2007 | 38.830.965.360 | 20.92% |
| 2008 | 43.608.055.296 | 10.95% |
| 2009 | 44.062.984.810 | 1.03% |
| 2010 | 33.977.002.400 | -29.68% |
| 2011 | 24.111.019.944 | -40.92% |
| 2012 | 2.068.359.000.000 | 98.83% |
| 2013 | 2.114.235.000.000 | 2.17% |
| 2014 | 2.334.561.000.000 | 9.44% |
| 2015 | 3.925.010.000.000 | 40.52% |
| 2016 | 4.682.890.000.000 | 16.18% |
| 2017 | 7.923.324.000.000 | 40.9% |
| 2018 | 7.893.378.000.000 | -0.38% |
| 2019 | 7.927.535.000.000 | 0.43% |
| 2020 | 8.894.564.000.000 | 10.87% |
| 2021 | 10.517.766.000.000 | 15.43% |
| 2022 | 12.400.138.000.000 | 15.18% |
| 2023 | 561.214.000.000 | -2109.52% |
JSC Halyk Bank Financial Ratio (TTM)
Valuation Metrics
- Revenue per Share
- 4303.35
- Net Income per Share
- 2342.91
- Price to Earning Ratio
- 1.71x
- Price To Sales Ratio
- 0.01x
- POCF Ratio
- 4.59
- PFCF Ratio
- 0.05
- Price to Book Ratio
- 0.54
- EV to Sales
- -0.91
- EV Over EBITDA
- -0.82
- EV to Operating CashFlow
- -4.46
- EV to FreeCashFlow
- -5.08
- Earnings Yield
- 0.58
- FreeCashFlow Yield
- 19.15
- Market Cap
- 10,93 Bil.
- Enterprise Value
- -1.063,50 Bil.
- Graham Number
- 19769.06
- Graham NetNet
- 3948.64
Income Statement Metrics
- Net Income per Share
- 2342.91
- Income Quality
- 0.52
- ROE
- 0.32
- Return On Assets
- 0.05
- Return On Capital Employed
- 0.08
- Net Income per EBT
- 0.83
- EBT Per Ebit
- 0.69
- Ebit per Revenue
- 0.96
- Effective Tax Rate
- 0.17
Margins
- Sales, General, & Administrative to Revenue
- -0
- Research & Developement to Revenue
- 0
- Stock Based Compensation to Revenue
- 0
- Gross Profit Margin
- 1
- Operating Profit Margin
- 0.96
- Pretax Profit Margin
- 0.67
- Net Profit Margin
- 0.56
Dividends
- Dividend Yield
- 0
- Dividend Yield %
- 0.06
- Payout Ratio
- 0
- Dividend Per Share
- 2.23
Operating Metrics
- Operating Cashflow per Share
- 876.07
- Free CashFlow per Share
- 769.22
- Capex to Operating CashFlow
- -0.12
- Capex to Revenue
- -0.02
- Capex to Depreciation
- -3.22
- Return on Invested Capital
- 0.41
- Return on Tangible Assets
- 0.04
- Days Sales Outstanding
- 0
- Days Payables Outstanding
- 0
- Days of Inventory on Hand
- 0
- Receivables Turnover
- 0
- Payables Turnover
- 0
- Inventory Turnover
- 0
- Capex per Share
- -106.85
Balance Sheet
- Cash per Share
- 6.011,16
- Book Value per Share
- 7.413,68
- Tangible Book Value per Share
- 50276.33
- Shareholders Equity per Share
- 7413.68
- Interest Debt per Share
- 4701.79
- Debt to Equity
- 0.28
- Debt to Assets
- 0.04
- Net Debt to EBITDA
- -0.83
- Current Ratio
- 0
- Tangible Asset Value
- 13.680,24 Bil.
- Net Current Asset Value
- 1.074,43 Bil.
- Invested Capital
- 0.28
- Working Capital
- 1.635,64 Bil.
- Intangibles to Total Assets
- 0
- Average Receivables
- 0,00 Bil.
- Average Payables
- 0,00 Bil.
- Average Inventory
- 0
- Debt to Market Cap
- 51.35
Dividends
Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.
| Year | Dividends | Growth |
|---|---|---|
| 2007 | 0 | |
| 2008 | 0 | 0% |
| 2013 | 0 | 0% |
| 2014 | 0 | 0% |
| 2015 | 1 | 0% |
| 2018 | 1 | 0% |
| 2019 | 1 | 100% |
| 2020 | 2 | 0% |
| 2021 | 2 | 0% |
| 2022 | 1 | 0% |
| 2023 | 2 | 50% |
JSC Halyk Bank Profile
About JSC Halyk Bank
JSC Halyk Bank, together with its subsidiaries, provides corporate and retail banking services primarily in the Republic of Kazakhstan, Russia, Kyrgyzstan, Tajikistan, Georgia, and Uzbekistan. It operates through four segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The company's products and services include current and correspondent accounts; various deposit products; investment savings products; credit and debit cards; consumer loans and mortgages; custody, cash, and foreign currency related services; overdrafts; other credit facilities; and letters of credit, trade finance products, foreign exchange, interbank operations, cash services, and documentary services. It also trades in securities and foreign currencies; executes transfers; and offers cash and payment card processing, and other banking services. In addition, the company offers leasing, telecommunications, broker and dealer, cash collection, and asset management services; and property and casualty, liability, personal, and life insurance products, as well as online banking services. The company serves individuals, corporate clients and financial organizations, and SME clients and individual entrepreneurs. As of December 31, 2021, it operated through its head office in Almaty and its 24 regional branches, 120 sub-regional offices, and 445 cash settlement units. The company was founded in 1923 and is headquartered in Almaty, the Republic of Kazakhstan. JSC Halyk Bank is a subsidiary of JSC HG Almex.
- CEO
- Ms. Umut Bolatkhanovna Shayakh
- Employee
- 16.833
- Address
-
40 Al-Farabi Avenue
Almaty, A26M3K5
JSC Halyk Bank Executives & BODs
| # | Name | Age |
|---|---|---|
| 1 |
Ms. Olga Vladimirovna Vuros Deputy Chairperson of Management Board & Deputy Chief Executive Officer - Corporate Banking |
70 |
| 2 |
Mr. Roman Aleksander Maszczyk Deputy Chief Executive Officer, Chief Compliance Controller, Chief Risk Officer & Member of the Management Board |
70 |
| 3 |
Pavel A. Cheussov Chief Accountant |
70 |
| 4 |
Mr. Nariman Nurlanovich Mukushev Deputy Chairman of Management Board and Deputy Chief Executive Officer - Digital Govt. Services, Ecosystem & Customer |
70 |
| 5 |
Ms. Umut Bolatkhanovna Shayakhmetova Chief Executive Officer, Chairperson of Mgt Board - HR, Strategic Office, Legal, Compliance and Risk Management & Dir. |
70 |
| 6 |
Mr. Murat Uzakbaevich Koshenov C.F.A., CFA, F.R.M., FRM Dep. Chairman of the Mgmt. Board & Dep. Chief Executive Officer Fin., Sub., Corporation Banking & International Activities |
70 |
| 7 |
Mr. Aivar Zhirensheevich Bodanov Dep. Chairman of the Mgmt. Board & Dep. Chief Executive Officer Security, Information Security & Problem Loans |
70 |
| 8 |
Mr. Yertay Ismailovich Salimov Dep. Chairman of Mgmt. Board & Dep. Chief Executive Officer - Ops., Treasury, Resources, Chancellery & Contact Centre |
70 |
| 9 |
Mr. Dauren Z. Sartayev Deputy Chairman of the Management Board & Deputy Chief Executive Officer - SME & Transactional Banking, PR and Marketing |
70 |
| 10 |
Mr. Zhumabek Mamutov Deputy Chairman of Management Board & Deputy ?EO - Retail Banking and Soft Collection |
70 |