2.1 " "
" " , 1,2 . 132 000 . "-". "-" , : , . " 2020", .. " " 2020 . - 2010 2014 .
- . - . . . " " 15 1925 . 2008 " " " ". 2008 .[21]
2010 , , 1000 , The Banker..[68,69] " " , "-Online", . 2009 " "-" 75,1% . 251 319 485 425 .
2009 , , . 36,9 . - I, -II -III. 2009 37 . , 10 300 . 120 . , , 37 . 31 % . . , , , , - .[22]
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|
2010 " " 2 442 . (16,65 . ) , 2 247,4 . , 92,03 . , , , , . " 2020". " " - , . : -, , - . [23]
2011 . " " , "" "i", . " " "" "ҰҮi" 2 : - " " "ҰҮi", - "" "ҰҮi".
2011. Moodys Investors Service "Caa3" "B3". "E", "Caa2" Moody's. , , "Caa2" "Caa3", . "". "". [24]
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" " ( ) . 19
19, " " 2011 2010 , 2010 669349 ., 214767 . 2011 . , " " 2011 36,11% 2010 . " " 2011 59,21% 2010 428312 . , (. 1)
1 - " "
2011 (%) | 2010 (%) | |||
6,52 | 2,94 | 3,58 | ||
, | 7,06 | 22,66 | -15,6 | |
1,94 | 9,25 | -7,31 | ||
, | 53,01 | 58,67 | -5,66 | |
5,24 | 4,88 | 0,36 | ||
, | 23,77 | 0,33 | 23,44 | |
1 | ||||
0,24 | 0,51 | -0,27 | ||
2,1 | 0,72 | 1,38 | ||
: | ||||
: | ||||
39,66 | 17,86 | 21,8 | ||
4,62 | 2,17 | 2,45 | ||
3,17 | 18,62 | -15,45 | ||
0,03 | 3,28 | -3,25 | ||
2,61 | 2,57 | 0,04 | ||
30,14 | 43,55 | -13,41 | ||
12,44 | 6,29 | 6,15 | ||
, | 0,22 | 0,28 | -0,06 | |
1,97 | 0,86 | 1,11 | ||
5,13 | 4,47 | 0,66 | ||
: | ||||
1039,5 | 25,30 | 1014,2 | ||
3,28 | 0,32 | 2,86 | ||
, | 1,01 | 0,13 | 0,88 | |
9,47 | 0,51 | 8,96 | ||
1081,8 | 126,01 | 955,79 | ||
: [13] | ||||
1 , 2011 : ; ; , ; . : ; ; .. (. 2)
2 - " " (. )
2011 | 2010 | ||||
(+,-) | (%) | ||||
24 498 | 62 334 | -37 836 | -60,69 | ||
(17 439) | (48 487) | -31 048 | -64,03 | ||
7 059 | 13 847 | -6 788 | -49,02 | ||
1 327 | 2 458 | -1 131 | -46,01 | ||
2 | |||||
(125) | (263) | -138 | -52,47 | ||
1 202 | 2 195 | -993 | -45,23 | ||
/() , | 1 472 | (46,464) | 47 936 | 103,16 | |
/() | 16 715 | (48 496) | 65 211 | 134,46 | |
320 364 | - | 320 364 | - | ||
, | (1 574) | - | -1 574 | - | |
/() | -699 | -88,25 | |||
/() | 345 331 | (78 126) | 423 457 | 542,01 | |
(23 712) | (65 090) | -41 378 | -63,57 | ||
(11 517) | (10 048) | 1 469 | 14,61 | ||
-() | 310 102 | (153 264) | 463 366 | 302,33 | |
, : | |||||
- , | (2 961) | (469) | 2 492 | 531,34 | |
/() | 307 141 | (153 733) | 460 874 | 299,78 | |
/() | |||||
, | 26 322 | (15 903) | 42 225 | 265,51 | |
, | 23 401 | (15 903) | 39 304 | 247,14 | |
: [13] | |||||
|
|
2, " ", , 2011 7059 ., 2010 13847 .. , 2011 49,02% , .. 6788 . . 2010 " " 153733 ., 2011 307141 .. , 2010 , 2011 .
, , . , . [25] , .(. 3)
3 - " "
2011 . | 2010 . | |||
(+,-) | (%) | |||
, | - | - | ||
(427) | (262) | 62,97 | ||
1,38 | ||||
/() | (45) | 1064,4 | ||
- | (1 486) | 1 486 | - | |
- | (1 491) | 1 491 | - | |
24 000 | - | 24 000 | - | |
, | (73 558) | - | 73 558 | - |
(49 558) | (2 977) | 46 581 | 1564,6 | |
21 633 | (5 313) | 26 946 | 507,17 | |
(360) | -771 | -187,59 | ||
15 388 | 60 855 | -45 467 | -74,71 | |
36 661 | 55 953 | -19 292 | -34,47 | |
13 240 | 53 222 | -39 982 | -75,12 | |
(16 474) | (72 768) | 56 294 | 77,36 | |
1 132 | 2 535 | -1 403 | -55,34 | |
(105) | (263) | 60,07 | ||
(10 138) | (8 348) | -1 790 | -21,44 | |
()/ | ||||
1 397 | (9 899) | 11 296 | 114,11 | |
, | 25 995 | 33 681 | -7 686 | -22,81 |
- | - | - | ||
6 008 | (217) | 2868,6 | ||
/() | ||||
3 | ||||
, | (2 733) | 17 997 | -20 730 | -115,18 |
- | (15 000) | - | - | |
(2 291) | -2 323 | -7259,3 | ||
, | (902) | (18 243) | 17 341 | 95,05 |
, | - | (1 284) | - | - |
(5 901) | (2 581) | -3 320 | -128,63 | |
48 187 | 24 038 | 24 149 | 100,46 | |
14 921 | 2 514 | 12 407 | 493,51 | |
/ () /() | 70 972 | (1 527) | 72 499 | 4747,8 |
(215) | (764) | 71,85 | ||
/ () / () | 70 757 | (2 291) | 73 048 | 3188,4 |
: [13] |
|
|
3, " ", , 2010 , 2011 641 .. , 2010 33681 ., 2011 21,44% 25995 .. , " " 2010 .
, , .[26] , , , . . , .[27]
, . , . . , . , , .[75]
, . ( ), . . (. 4)
4 - " "
2011 . . | 2010 . . | ||||||
. | . | (-,+) | (%) | ||||
113,729 | 29,65 | 96,228 | 27,93 | 17,50 | 18,18 | ||
56,916 | 14,83 | 45,014 | 13,06 | 11,90 | 26,43 | ||
56,413 | 14,70 | 32,623 | 9,46 | 23,79 | 72,92 | ||
, | 42,151 | 10,99 | 48,963 | 14,21 | -6,81 | -13,90 | |
28,807 | 7,51 | 32,979 | 9,57 | -4,17 | -12,64 | ||
21,640 | 5,64 | 21,904 | 6,35 | -0,26 | -1,18 | ||
15,534 | 4,05 | 12,175 | 3,53 | 3,35 | 27,51 | ||
9,851 | 2,56 | 8,830 | 2,56 | 1,02 | 11,55 | ||
5,526 | 1,44 | 8,786 | 2,55 | -3,26 | -37,10 | ||
4,495 | 1,17 | 2,405 | 0,69 | 2,09 | 86,90 | ||
4,486 | 1,16 | 8,484 | 2,46 | -3,99 | -47,02 | ||
3,978 | 1,03 | 4,138 | 1,20 | -0,16 | -3,86 | ||
3,171 | 0,82 | 1,093 | 0,31 | 2,07 | 189,38 | ||
0,24 | 0,08 | 218,30 | |||||
0,13 | 0,13 | 8,89 | |||||
15,394 | 4,01 | 20,151 | 5,84 | -4,75 | 23,57 | ||
383,532 | 344,529 | 11,31 | |||||
(303,444) 80,088 | (194,768) 149,761 | 108,67 -69,67 | 55,79 -46,52 | ||||
: [13] |
|
|
4, , 2011 , , , . 2011 2010 , 2011 39 ., .. 11,31% 383,532 .. , , , , .
: , ( , , , , , , ).
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, . , , , , . , . %
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2010 | 2011 | (+,-) | ||
- | ||||
"" | 25,2 | 20,1 | -5,1 | |
" " | 22,1 | 17,8 | -4,3 | |
" " | 15,1 | 14,8 | -0,3 | |
I | 62,4 | 52,7 | -9,7 | |
" " | 5,7 | 11,1 | +5,4 | |
" " | 4,9 | 9,2 | +4,3 | |
" " | 3,5 | 3,3 | -0,2 | |
14,1 | 23,6 | +9,5 | ||
" " | 3,3 | 2,9 | -0,4 | |
"KASPI BANK" | 3,0 | 2,6 | -0,4 | |
"" | 1,9 | 2,4 | +0,5 | |
5 | ||||
" " | 1,7 | 2,3 | +0,6 | |
9,9 | 10,2 | -0,2 | ||
13,6 | 13,5 | -0,1 | ||
: [13] | ||||
" " 2010 15,1%, 2011 14,8%. "", " ". 5, " " . 2.6-2.10 " " . . :
"";
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" " , . 20102011. - The Banker , .[27]
" " , , " " , , , . , , , . .
. , " " , , . , , .[87]
2008 , , . " " .
" " " ". . . 2010 500 475 , - 125 . . " ", , , , , . . : , , .[28]
, , . " ", . .
, , , BTL, .
- " " " " , . , , , .
, . . , . - . . , , . . . . - . LMH Consulting, () Direct Design.
, . , , 2007 , . 2008 , . II- 2007 "" 1,2 . . . - Brand Valuation & Analysis .
, , " " " ( ) : 25,6% 26,8% . " " - 29,2%.
, , , " " , , , .[29]