About Bank
Bank CenterCredit is one of the leaders of the country’s banking system, which has been providing simple and convenient products and services in all regions of Kazakhstan since 1988.
Today the Bank has its own extensive branch network across the country, serving more than 3 million individuals and business clients in 20 branches and more than 150 outlets.
BCC Released the First Verified Sustainability Report
Bank CenterCredit has published its first 2023 Sustainability Report. The document is prepared in accordance with GRI Standards (Global Reporting Initiative), subject to recommendations of the ARDFM, SASB (Sustainability Accounting Standards Board) and TCFD (Climate-Related Financial Disclosures) on non-financial disclosure. The report has been verified* by one of the leading international auditing firms (KPMG), which emphasizes the Bank’s commitment to transparency and reliability of the information provided. This practice is an important pioneering step among Kazakhstani second-tier banks.
The report discloses the Bank’s accomplishments in terms of its key sustainability goals, current projects, and planned initiatives. For instance, in 2023, Bank CenterCredit was recognized as the first financial partner of the European Bank for Reconstruction and Development under the Green Economy Financing Facility, a global green technology financing programme. The Bank will continue its cooperation under this Programme in 2024, remaining a partner of the GEFF II.
The report also highlights the Bank’s social investments in charitable projects in education, healthcare, environment, culture and sports, as well as its contributions to the development and support of employees. Thus, it discloses information on all social initiatives undertaken by the Bank.
More information on these and other initiatives can be found in the 2023 Sustainability Report on Bank CenterCredit’s website.
*Limited assurance in accordance with the requirements of the International Standards on Auditing ISAEZ000
License No.1.2.25/195/34 dated 03 February 2020 issued by the ARDFM RK
BCC Became the First Bank in Central Asia To Develop a Long-Term Climate Strategy
BCC is the first Kazakhstani bank to develop and approve the Climate Strategy, thus strengthening its leadership in sustainable development and commitment to climate action.
The Climate Strategy is a strategic document containing goals and a set of measures and initiatives for the bank to achieve carbon neutrality. Amid the global transition to sustainability and carbon neutrality, development and implementation of the effective Climate Strategy will contribute not only to the bank’s risk management, promotion of climate transition and compliance with international best practices, but also to unveiling new opportunities for green economy financing.
Bank CenterCredit in liaison with the international consulting company EY has set interim and long-term targets pursuant to the science-based approach to reduce carbon footprint both for the bank’s own operations (by 2030, reduce emissions by 42% compared to 2023) and for the financed corporate loan portfolio (by 2030, reduce financed emissions by 42% in key sectors: energy, agriculture, metallurgy, manufacturing).
The Climate Strategy prioritizes building up the green finance portfolio. For the purpose of settingthe green portfolio targets, a market analysis of green directions was performed to identify priority activities/projects for financing. Renewable energy and sustainable agriculture were identified as the priority green economy directions to be financed by the bank until 2030, with a potential market volume of ~$3.5 billion by 2030 in the Republic of Kazakhstan. Based on the results of the market analysis performed, targets for the green finance portfolio were set to achieve the target of KZT 400 billion by 2030.
It is planned that these objectives will be achieved through a number of initiatives developed. For example, financing target projects in the area of sustainable development on special terms (new loan products), development of partnerships, and launching new retail green products.
“Implementation of the bank’s Climate Strategy not only strengthens our positions as a leader in sustainability, but also unveils unique opportunities for innovation and growth. We are proud to be the first bank in the region to launch such a strategy. We are confident that this will strengthen the trust of our customers and partners, and create added value for all stakeholders. As part of our commitment to sustainable development, the bank intends to actively implement the Climate Strategy and monitor its results, which will allow us to achieve our goals and maintain full transparency in a dialog with all stakeholders in the process”, stated Ruslan Vladimirov, President of JSC Bank CenterCredit.
The developed Climate Strategy is a significant step both for the bank itself and for Kazakhstan towards achieving sustainable development goals. The Climate Strategy, developed as part of a major ESG transformation, focuses not only on risk management, but also on development and implementation of new opportunities for the green economy. The decarbonization targets set by the bank are extremely ambitious and ahead of national targets, demonstrating leadership in the sustainability and ESG agenda.
*License No.1.2.25/195/34 dated 03 February 2020 issued by the ARDFM RK
Moody's upgrades Bank CenterCredit rating to Ba1
Moody's Ratings (Moody's) has upgraded the following ratings and assessments of Bank CenterCredit (BCC): long-term local and foreign currency deposit ratings to Ba1 from Ba2. The outlooks on the bank's long-term deposit ratings remain positive.
Concurrently, we upgraded BCC's long-term national scale bank deposit rating to A1.kz from A3.kz and affirmed its long-term national scale CRR at A1.kz.
The upgrade of BCC's long-term national scale deposit rating reflects improvements of credit metrics such as asset quality, solvency and profitability, which position the bank more strongly within the national scale rating bands corresponding to the global scale ratings.
Bank CenterCredit is one of the top three largest banks in Kazakhstan and serves over three million customers in all regions of the country.
License No.1.2.25/195/34 dated 03 February 2020 issued by the ARDFM RK
February - the Bank transferred KZT 500 million to the Kazakhstan Khalkyna Public Fund to provide charitable assistance and support to the people of Kazakhstan. The Bank also rendered KZT 1 million assistance to the families of servicemen who died during the state of emergency.
April - The first Smart Campus was launched in Akbobek school in Aktobe. The main processes faced by schoolchildren were digitized using new technological banking solutions.
The Bank supported the project to translate books for children into Kazakh - "Where Is Our Solar System?" (Stephanie Sabol) and "7 Habits of Highly Effective Teens" (Sean Covey).
May - The Bank closed the acquisition of Alfa-Bank Kazakhstan and re-registered it under the new brand Eco Centre Bank.
As per results of 5 months of 2022, the Bank is the leader in the "7-20-25" Mortgage Programme, with a market share of more than 50%.
The first car under the preferential car loan programme was given out through Bank CenterCredit.
July - S&P Global Ratings upgraded the Bank's credit rating to B+/B from B/B.
Bank CenterCredit is within the TOP-3 in terms of retail deposits growth and is the third largest commercial bank in Kazakhstan in terms of assets. Corporate deposits doubled, ranking third among the TOP-10 STBs.
August - Bank CenterCredit shareholders made a decision on voluntary reorganization of the banks through merging Eco Center Bank into Bank CenterCredit.
September - Bank CenterCredit and Eco Center Bank received authorization from the Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market for voluntary reorganization in connection with the merger of JSC Eco Center Bank (SB of JSC Bank CenterCredit) into JSC Bank CenterCredit.
November - BCC.KZ mobile app launched the Investments service to apply for participation in the People's IPO of JSC KazMunayGas.
December - Moody's Investors Service affirmed Bank CenterCredit's long-term local and foreign currency deposit ratings and changed the outlook on these ratings from 'Stable' to 'Positive'.
February - The Bank was recognized as the best bank for implementing the "7-20-25" programme. The first mortgage loan involving lump sum pension payments was disbursed.
The Bank disbursed the first mortgage loan with lump-sum pension payments.
April - Bank CenterCredit became the best HR-brand in Central Asia. A dynamic CVV-code function was launched, which, when activated, changes a three-digit code each time it is used.
May - Launched a unique service to maximize the convenience of receiving pension on #Ulkenge Kurmet card.
In the summer of 2021, My Goal deposit was introduced to the market – offering the possibility to set all replenishment parameters directly in the BCC.KZ mobile app
The Bank and EBRD signed the Green Economy Financing Facility (GEFF).
S&P Global Ratings affirmed the Bank's long-term and short-term international scale credit ratings at 'B/B' and national scale ratings at 'kzBB+'/Stable outlook.
September - Bank CenterCredit celebrated the 33d anniversary since its establishment in 1988.
November - International rating agency Moody's upgraded the Bank's long-term deposit ratings from B2 to B1 with Stable outlook.
December - The Bank won in 11 categories according to VISA international payment system and was one of the first in Kazakhstan to launch the Google Pay contactless payments.
February - The Bank successfully completed AQR (Asset Quality Review).
March - International rating agency S&P Global Ratings affirmed Bank CenterCredit's ratings at 'B' and improved the outlook to 'stable'.
April - The Bank transferred KZT 100,000,000 to the Relief Fund for Covid-19 Pandemic Victims.
May - Major shareholders of JSC Bank CenterCredit increased the Bank’s capital by KZT 4.3 billion.
September - The Bank was recognized as the Best SME Bank in Kazakhstan in a survey by GLOBAL BANKING & FINANCE AWARDS, an international rating publication.
October - the Bank sponsored the book for children "Er Karmys".
November - Moody's affirmed Bank CenterCredit's ratings at B2 with a Stable outlook.
December - Bank CenterCredit issued the first bank loan with shared participation under the Baspana Hit programme.
The Bank launched metal accounts for gold transactions.
February - Bank CenterCredit launched transfers via the Suńqar instant payment system. BCC customers will now be able to make money transfers by phone number linked to their bank account. Bank CenterCredit, Altyn Bank and Eurasian Bank were the first banks connected to the system.
March - Bank CenterCredit was the first Kazakhstani second-tier bank to launch an affordable lending mechanism. Affordable lending to entrepreneurs began with modernization of a line for production of a wide range of dairy products in Zhambyl region.
April - Bank CenterCredit and Kassa24 agreed on commission-free payments. BCC customers can now make loan payments through Kassa24 kiosks.
April - Bank CenterCredit and DBK-Leasing signed a Memorandum of Cooperation. The organizations agreed to work together to finance small and medium-sized enterprises. DBK-Leasing products will be included in the list of financial instruments that the Bank offers its customers to meet their financing needs as efficiently as possible.
May - Bank CenterCredit was one of the first second-tier banks to launch the OpenAPI platform. This platform allows potential partners to integrate with the Bank without lengthy preparatory procedures and to create innovative services for mutual customers of the partner company and the Bank.
June - Bank CenterCredit opened a new branch in Kokshetau at: 1 Osipenko Str., Kokshetau, on the ground floor of the RIO shopping and entertainment centre.
June - Bank CenterCredit opened a new branch in Turkestan region at: w/n Ismailov Str., Saryagash city, Saryagash district, 160900, Turkestan region, Kazakhstan.
June - Bank CenterCredit opened a new branch in Taraz at: 31, Samal microdistrict, apart. 54.
July - Bank CenterCredit and the Astana International Financial Centre signed a Memorandum of Understanding for API development. The Memorandum also contains provisions on cooperation between their structures on the issues related to use of the Platform by AIFC participants, development of innovation labs, mentoring support for fintech startups participating in accelerator and incubation programs, and joint master classes and workshops.
August - Bank CenterCredit opened three new banking outlets in Shymkent at the following addresses:
- Cash and Settlement Office No.1 at: 15, Ryskulov Str., Yenbekshinsky district, 160009, Shymkent;
- Cash and Settlement Office No.3 at: 143, Zh. Aimautov Atr., Yenbekshinsky district, 160008, Shymkent;
- Cash and Settlement Office No.4 at: 92, Zhideli Baisyn Str., Abay district, 160004, Shymkent.
September - Deutsche Bank (Frankfurt, Germany) awarded Bank CenterCredit with an honourable award for 2018 performance results. The "2018 EUR Operational Excellence A ward" commemorative badge was awarded to Bank CenterCredit for processing EUR payments based on its 2018 performance.
October - Bank CenterCredit is the first Kazakhstani second-tier bank to launch the Mortgage for Military. The project was launched as part of the existing mortgage programmes of JSC Baspana Mortgage Organization - 7-20-25 and Baspana Hit, in implementation of which BCC is a leader among Kazakhstani STBs.
October - Bank CenterCredit opened a new Premium VIP Centre in Almaty - BCC Elite. The new VIP Centre is located in the downtown at 38 Al-Farabi Avenue in the building of Bank CenterCredit's Head Office.
October - Bank CenterCredit launches a unique program – Payroll Card Program, which differs significantly from similar programs and, in addition to crediting salaries, offers a wide range of benefits.
October - Bank CenterCredit and the European Bank for Reconstruction and Development signed the Risk Participation Framework Agreement. The signed document was developed as part of EBRD's Global Risk-Sharing Framework, under which EBRD participates in corporate projects by providing commercial banks with guarantees covering up to 50% of exposure to borrowers.
November - Bank CenterCredit wins Refinitiv's top award in the Most Active Desk category. The badge of honour was awarded for outstanding activity in Kazakhstan's interbank market in 2018. The activity was calculated by the volume and number of foreign currency trading transactions.
November - Citibank (New York, USA) honoured Bank CenterCredit with an honorary award for 2018 performance results. The US Dollar Payments Straight-Through Processing Excellence Award was awarded to Bank CenterCredit for processing USD payments based on its 2018 performance. The Bank was also assigned a high STP-Rate* of 95% +.
November - Moody's affirmed Bank CenterCredit's ratings and improved the outlook to Positive. The international rating agency affirmed Bank CenterCredit's international scale ratings. The long-term bank deposit rating and long-term national scale CRR rating were also upgraded. The outlook was revised upwards from "stable" to "positive".
December - Bank CenterCredit received the EBRD loan of up to USD 40 million in tenge. The Loan Agreement was signed on 12 December in Almaty
The overall financing package includes a 3-year loan of up to USD 30 million in KZT equivalent for financing micro, small and medium-sized businesses (MSMEs) and a 3-year loan of up to USD 10 million in KZT equivalent for development of women entrepreneurship under EBRD's Women in Business programme.
December - Bank CenterCredit launches unsecured loans for individual entrepreneurs.
December - Bank CenterCredit is the first Kazakhstani STB to launch issuance of premium metal contactless cards. BCC’s new card of the highest premium level is called #IronCard and offers the combination of author's design, status, and exclusive privileges from Bank CenterCredit and the Visa international payment system.
March - the entire block of the Bank's ordinary shares held by JSC Tsesnabank with the stake totaling 29.56% of total ordinary shares placed by the Bank was sold to the major shareholders of JSC Bank CenterCredit - Bakhytbek Baiseitov, Vladislav Lee and a group of individuals (minority shareholders).
July - Bank CenterCredit reached an agreement on common cash withdrawal limits within Eurasian Bank's ATM network for its customers.
August - Bank CenterCredit received a USD 45 million loan from EBRD. EBRD funds are provided against the guarantee of JSC Damu Entrepreneurship Development Fund as part of EBRD's financing to SMEs in Kazakhstan and the Women in Business programme. Over 60% of loan proceeds will be used to finance SMEs in the regional centers of Kazakhstan outside of Astana and Almaty, and women-led businesses.
August - celebration of the Bank's 30th Anniversary. In honour of the anniversary, five major cities in Kazakhstan - Astana, Almaty, Ust-Kamenogorsk, Aktau and Shymkent - hosted an anniversary balloon tour of Bank CenterCredit.
November - Bank CenterCredit received an award for its leadership in implementing the 7-20-25 programme. At the VIII Congress of Financiers of Kazakhstan in Almaty, Bank CenterCredit was awarded a badge of honour for its leadership in implementation of the “7-20-25” Mortgage Programme. BCC accounts for more than 91% of loans issued under the programme.
November - Bank CenterCredit was one of the first banks in Kazakhstan to launch the Apple Pay mobile payment service.
November - International rating agency S&P Global Ratings affirmed the ratings of JSC "Bank CenterCredit" at "B/B", outlook - stable. In the agency's report, Bank CenterCredit is included in the number of systemically important Kazakh banks.
On 31 August, Bank CenterCredit CEO Vladislav Lee announced his decision to end his tenure as Chairman of BCC’s Management Board.
On 22 September, Galim Khussainov was elected Chairman of the Management Board of Bank CenterCredit. The corresponding decision was taken at the meeting of the Bank's Board of Directors.
Bank CenterCredit switched to an electronic format of interaction with private law enforcement agents.
Bank CenterCredit became Kcell's partner in conducting transactions via the K-Pay mobile payment terminal, which accepts payments from Visa and MasterCard cards.
The first BCC hackathon - BCC Innovation Challenge was held on 28-29 October
Bank CenterCredit migrated to a new banking IT platform - Colvir, with the view to improve its services and products. Migration to the new platform took place on 25 March.
Bank CenterCredit launched issuance of the Card for Fly, a plastic card for travelers. A joint project with Air Astana.
The EDB provided Bank CenterCredit with a $10 million trade finance facility.
March – executed an agreement with JSC Damu Entrepreneurship Development Fund to raise KZT 3 billion under the programme to support small and medium-sized enterprises in the manufacturing industry.
Also in March, concluded an agreement with JSC Development Bank of Kazakhstan on attracting KZT 3 billion under the programme to support large businesses in the manufacturing industry.
April - concluded an agreement with DBK on attracting KZT 2 billion for 20 years to support Kazakhstani manufacturers though onlending to buyers of domestically assembled cars.
May – disbursed the first loan under the Preferential Car Loan Programme out of DBK funds.
June - signed a KZT 15.6 bn Bank Deposit Agreement with JSC Problem Loans Fund.
August - Kazakhstan Deposit Insurance Fund appointed Bank CenterCredit as an agent bank to make additional payments to Valut-Tranzit Bank depositors.
September - concluded the Loan Agreement with EBRD to attract two tranches totaling KZT 3,720 million, each for a period of 5 years to finance women in business. The Bank received the first tranche in the amount of KZT 1.86 billion in October 2015.
November - signed a Loan Agreement under which the strategic partner Kookmin Bank provides BCC with a revolving credit facility (uncommitted credit facility) in the amount of USD 100 million.
December - joined the UnionPay International Payment System, the world's largest payment system in terms of the number of payment cards in circulation.
BCC started collecting applications from customers under the preferential lending program to SMEs.
Issuance of the millionth BCC payment card.
Signed the Loan Agreement with JSC Damu EDF for attracting funds from the National Fund of the Republic of Kazakhstan to finance SMEs in the processing industry.
Concluded an agreement to receive the second tranche from the Asian Development Bank to finance SMEs.
Concluded a 5-year KZT 10 bn Loan Agreement with EBRD to finance MSMEs againts the guarantee of JSC Damu EDF
Fee-Free Consumer Loans promotion designed for individuals and IE.
Launched the product called “Conditional Deposit for Money Legalization” due to enactment of the Law "On Amnesty for Citizens of Kazakhstan, Repatriates and Persons Having Kazakhstan Residence Permit In Connection with Legalization of Property".
Completed works to prepare for launching the Colvir, a modern automated banking system.
Launched the new versions of Internet Banking system for business customers - Light and Mobile.
Launched the new Visa Infinite card product.
Completed works to prepare for launching the Colvir industrial automated banking system as part of the IT Strategy implementation.
Launched the new Star Banking service, a remote account management system.
Awarded with the Certificate of PCI DSS Compliance for payment cards. As of today, only 2 banks in Kazakhstan have the PCI DSS Compliance Certificate.
Completed the work on launching the “Two-Way Host-to-Host" project with Halyk Bank.
Completed the Unified Enterprise Data Warehouse Creation Project. Creation of the Unified EDW will make it possible to tackle the most important task - centralization of report generation processes
In order to strengthen internal control, a separate subdivision - Compliance Service - was established
At the end of the year, the Bank's distribution network comprised 20 branches and 136 sub-branch units.
Implemented the Automated Card Scoring project
Introduced a new organizational structure. Sales Offices, Credit Analysis Centers and Operational Support Centers were established in each region on the basis of branches.
Finalized the Bank’s IT Development Strategy jointly with KPMG consulting firm.
EBRD recognized the Bank as 2010 Most Active Issuing Bank under the Trade Facilitation Programme
JSC Bank CenterCredit, Kookmin Bank Co. Ltd and the International Finance Corporation (IFC) completed the BCC equity stake deal
The Banker (Financial Times), an English monthly international finance magazine, recognized Bank CenterCredit as "The Bank of the Year in Kazakhstan".
Bank CenterCredit again entered the top five leaders in Kazakhstan's banking market, according to another independent rating by Exclusive magazine
Visa International upgraded Bank CenterCredit's status to Principal Member, allowing issuance and acquiring, as well as making all settlements directly with this payment system.
Western Union recognized Bank CenterCredit as the winner among agents in Europe and the CIS in the "For Business Development" category and awarded the Golden Wreath.
In 2003-2005, the Bank switched to high-end servers based on the new RISC IT platform, launched scoring systems for retail loans and a modern data processing centre.
By the end of 2005, the network comprised of 105 outlets
The Bank opened a representative office in Moscow
Bank CenterCredit ranked second among commercial banks with the best business reputation in Kazakhstan in a survey conducted by Exclusive review and analytical magazine
Along with seven other large commercial banks in Kazakhstan, Bank CenterCredit became a shareholder in the first Credit Bureau established in Kazakhstan
The Bank further expands its retail services by opening a Call Centre and launching the Home Banking remote banking system.
The Bank creates a new lending division focused on SME customers
EBRD recognized BCC as "The Most Dynamically Developing Bank" under Kazakhstan's Small Business Programme.
The Bank was admitted to Visa International as a participating member, and provides Visa plastic card issue and maintenance services.
To expand the range of financial services provided, the Bank became a co-founder of the broker-dealer company KIB Asset Management LLP.
First issue of own bonds in the form of a subordinated loan
Started to carry out custodian activity for pension assets accounting and safekeeping
Pursuant to the NBRK Resolution No. 220 dated 30 October 1998, the merged bank OJSC Bank CenterCredit was included into the first group of banks according to international standards. Ranked among top five national and private banks of Kazakhstan.
Centerbank is admitted to trading on the interbank credit market
The Bank opened one of the first correspondent foreign currency accounts with The Bank of New York.
Center bank started public offering of its shares, having obtained the permit from the Ministry of Finance to operate with securities
1975 -1979 – Moscow Financial Institute, Russian Federation
1980 -1981 – Alma-Ata Institute of National Economy, Republic of Kazakhstan
1982 -1986 – Postgraduate Programme, Money Circulation and Credit Department, Alma-Ata Institute of National Economy, Republic of Kazakhstan
1987 – Plekhanov Moscow Institute of National Economy, Advanced Training Faculty, Russian Federation
1979 - 1980 – Economist, Alma-Ata Regional Office of the State Bank of the USSR
1981 - 1987 – Senior Economist, Head of Unit, Deputy Head of Division, Kazakh Republican Office of the State Bank of the USSR
1988 - 1988 – Head of Division,
Member of the Management Board, Kazakh Republican Office of Zhilsotsbank of the USSR
1988 - 1991 – Chairman of the Management Board, Alma-Ata Central Cooperative Bank Centerbank
1991 - 1997 – Chairman of the Management Board, Chairman of the Board of Directors, Kazakh Central Joint Stock Bank Centerbank
1993 - 2004 – Chairman of the Supervisory Board, CJSC Kazakhstan International Bank
1996 - to date – President of the Association of Banks of the Republic of Kazakhstan
1997 - to date – Chairman of the Board of Directors, JSC Bank CenterCredit
2003 - to date – Chairman of the Board of Directors, JSC BCC Invest
2013 - March 2020 – President of Financial & Banking Association of Euro-Asian Cooperation (FBA EAC)
March 2020 - to date – Chairman of FBA EAC Business Council
1982 – Institute of National Economy, majoring in Finance and Credit
2003 – 2005 – International Business Academy in collaboration with HEC School of Management, Master of Economics
2005 – International Executive MBA Programme, Master of Business Administration
August 1982 – October 1986 – Senior Economist of Economic Planning Division, Kazakh Republican Office of the State Bank of the USSR ;
October 1986 – December 1987 – Chief Economist of Economic Planning Division, Kazakh Republican Office of the State Bank of the USSR;
January 1988 – November 1988 – Deputy Head of State Trade and Light Industry Financing and Lending Arrangement Division, Kazakh Republican Bank “Zhilsotsbank of the USSR”;
November 1988 – September 1989 – Head of State Trade and Light Industry Financing and Lending Arrangement Division, Kazakh Republican Bank “Zhilsotsbank of the USSR”;
September 1989 – March 1993 – Deputy Chairman – member of the Management Board, Alma-Ata Central Cooperative Bank Centerbank;
March 1993 – August 1995 – First Deputy Chairman of the Management Board, Kazakh Central Joint-Stock Bank Centerbank;
August 1995 – August 1997 – Chairman of the Management Board, Kazakh Joint-Stock Commercial Bank for Social Development Lending;
August 1997 – June 1998 – First Deputy Chairman of the Management Board, CJSC ZhilstroyBank;
June 1998 – September 2017 – Chairman of the Management Board, JSC Bank CenterCredit;
2000 – to date – Member of the Board of Directors, JSC Bank CenterCredit;
March 2016 – 2021 – Deputy of Almaty Maslikhat, Deputy Chairman of the Standing Economy and Budget Committee of Almaty Maslikhat;
From 04 July 2016 – Independent Member of the Board of Directors, JSC Almaty Development Center;
From 31 July 2018 – Independent Member of the Board of Directors, JSC KBTU
September 1978 – June 1982 – Alma-Ata Institute of National Economy, majoring in Finance and Credit
April 2005 – September 2007 – International Business Academy, Master of Corporate Business
1982 –1987 – Economist, Senior Economist, Head of Unit at Mangyshlak Regional Office of the State Bank of the USSR, Shevchenko city;
1987 – 1988 – Assistant to the First Deputy Chairman of the Regional Executive Committee, Shevchenko city;
1988 – 1990 – Deputy General Director for Economic Affairs, Mangyshlak Production Association for Shell Rock Extraction and Processing, Shevchenko city;
1990 – 1991 – Director of Aktau Branch of Almaty Central Cooperative Bank Centerbank;
1991 – 1997 – Branch Director, Deputy Chairman of the Management Board, Chairman of the Management Board, KCAB Centerbank, Almaty;
1997 – 1997 – Chairman of the Management Board, OJSC Bank CenterCredit, Almaty;
1997 – 2001 – First Deputy Akim of Mangystau Region, Aktau;
2001 – 2002 – Deputy Chairman, First Vice President, Chairman of the Board of Directors, OJSC ABS-Balkhash Mining Company, Almaty;
2002 – Advisor to the Chairman of the Board of Directors, JSC Bank CenterCredit;
2004 – Member of the Board of Directors, JSC Bank CenterCredit;
2005 – 2017 – Member of the Board of Directors, JSC BCC Invest;
2010 – Advisor, JSC Bank CenterCredit;
2011 - to date – Member of the Board of Directors, JSC Bank CenterCredit.
01 October 1982 – 30 June 1986 – Institute of Translators, French, Russian languages, Master’s degree in Translation studies
01 October 1986 – 30 June 1988 – Flemish University of Economics, Business Economics, Master’s degree in Business Economics
01 October 1989 – 30 June 1990 – Flemish University of Economics, Corporate Finance, Master’s degree in Corporate Finance
01 October 1991 – 30 June 1993 – Flemish University of Economics, Accounting, Master’s degree in Accounting
01 October 1995 – 31 January 1998 – Senior Credit Officer, Fortis Bank
01 February 1998 – 31 December 2000 – Director for International Loans, Fortis Bank
01 January 2001 – 31 December 2005 – Risk Management Director, Fortis Bank
01 May 2004 – 30 June 2008 – Member of the Board of Directors, Gimv Czech Ventures
01 February 2005 – 30 June 2008 – Member of the Board of Directors, Metakor NV
01 April 2006 – 30 June 2008 – President of the Board of Directors, Novy SA
01 December 2002 – 30 June 2008 Member of the Board of Directors, Fortis Bank
01 January 2005 – 31 December 2007 – Director for Private Equity, Fortis Bank
01 January 2007 – 30 June 2008 – Strategic Director, Fortis Bank
01 July 2008 – to date – President of Global Financial Consulting
01 April 2010 – 2018 – Member of the Board of Directors, United International Bank
01 October 2010 – to date – Senior Consultant, International Financial Consulting Ltd
22 April 2011 – to date – Member of the Board of Directors, Independent Director, JSC Bank CenterCredit
2016 – 01 January 2022 – Member of the Board of Directors, JSCB Hamkorbank
2017 – 26 April 2023 – Member of the Board of Directors, PJSC BANK URALSIB
2019 – to date – Member of the Board of Directors, CJSC AccessBank
01 December 2022 – to date – Independent Member of the Supervisory Board, OJSC Bank Eskhata
April 1993 – December 1994 - School of Oriental and African Studies (SOAS) of the University of London, London, UK, Master of Science (Economics of Finance)
November 1984 – November 1987 -Full-time postgraduate study at the Faculty of Economics, Lomonosov Moscow State University, Moscow, Candidate of Economic Sciences
September 1977 – June 1982 - Student of the Faculty of Economics, Lomonosov Moscow State University, Moscow, diploma with honors. Qualification: economist, teacher of political economy
November 1987 – April 1993 –Teacher of Economic theory at Dzhambul Irrigation and Drainage Construction Institute, Dzhambul,
August 1993 – August 1996 – Intern, Consultant, Junior Banker at European Bank for Reconstruction and Development, UK
August 1996 – April – 1998 Deputy Chairman, National Bank of the Republic of Kazakhstan, Almaty
April 1998 – January 1999 – Executive Director, State Investment Committee, Almaty – Astana
January 1999 – August 1999 – Chairman, National Investment Agency, Astana
August 1999 – August 2000 – Vice-Minister, Ministry of Finance, Astana
August 2000 – January 2002 – Chairman of the Management Board, OJSC People's Savings Bank of the Republic of Kazakhstan, Almaty
January 2002 – June 2002 – Chairman of the Board of Directors, OJSC People's Savings Bank of the Republic of Kazakhstan, Almaty
June 2002 – January 2004 – Deputy Chairman, National Bank of the Republic of Kazakhstan
January 2004 – January 2009 – Chairman, National Bank of the Republic of Kazakhstan, Almaty
February 2009 – August 2011 – Chairman of the Management Board, JSC BTA Bank, Almaty
August 2011 – February 2013 – Chairman of the Board of Directors, JSC BTA Bank, Almaty
February 2013 – March 2016 – Chairman of the Supervisory Board, SB Capital LLP, Almaty
May 2013 – April 2016 – Chairman of the Board of Directors, JSC SkyBridgeInvest, Almaty
May 2014 – April 2016 – Chairman of the Board of Directors, Independent Director, JSC Almaty International Airport, Almaty
December 2012 – November 2018 – member of the Board of Directors, Independent Director, JSC Bank RBK, Almaty
April 2016 – April 2019 – member of the Board of Directors, Independent Director, JSC Halyk Bank of Kazakhstan, Almaty
February 2018 – to date – member of the Board of Directors, Independent Director, Subsidiary Bank of JSC Home Credit Bank, Almaty
October 2018 – to date – member of the Board of Directors, Independent Director, JSC Kazakhstan Development Bank, Astana
April 2019 – to date – member of the Board of Directors, Independent Director, JSC Bank CenterCredit, Almaty
August 2020 – 1 March 2022 – member of the Board of Directors, Independent Director, «Privatecompany «UnicornHolding»»
1 April 2022 – to date – Director, 50 NorthCapitalLimited Company
May 2022 – October 2022 Chairman of the Board of Directors, Independent Director, JSC EcoCenterBank (Subsidiary Bank of JSC Bank CenterCredit)
3 October 2022 – to date – member of the Board of Directors, JSC UnicornHoldingsLimited
2001 – 2005 Al-Farabi Kazakh National University, majoring in International Economics;
2006 – 2007 University of Wales Institute, MBA
2023 – to date Swiss Business School, DBA
2007 – 2009 - Associate 2, KMPG Tax and Advisory LLP;
2009 – 2012 - Various positions, JSC Orient Invest Group;
2012 – 2017 - Managing Director, BRB Invest LLP;
2013 – 2017 - Deputy Head of the BoD Chairman Office – Assistant to the BoD Chairman, JSC Bank CenterCredit;
2017 – 2021 - General Director, BRB Invest LLP;
2017 – 2022 - Advisor to the BoD Chairman, JSC Bank CenterCredit;
2018 – 2021 - Advisor to the Chairman of the Management Board, JSC BCC Invest;
2021 – to date - Member of the Board of Directors, JSC BCC Invest;
2021 – to date - Chairman of the Management Board, JSC BCC Invest;
2022 – 2024 - Head of the BoD Chairman Office, JSC Bank CenterCredit;
2024 – to date - Member of the Board of Directors, JSC Bank CenterCredit;
1997 – 2001 – Almaty State University, majoring in International Economics
2008 – 2010 – International Business Academy, Master of Business Administration.
2002 - 2002 – Junior Credit Officer, Analysis and Monitoring Sector, Almaty City Branch Credit Unit, JSC Bank CenterCredit;
2002 - 2003 – Junior Credit Officer, Credit Officer of SME Lending Sector, SME Lending Unit, Almaty City Branch Credit Office, JSC Bank CenterCredit;
2003 - 2004 – Senior Credit Officer, SME Lending Sector, Almaty City Branch SME Lending Unit, JSC Bank CenterCredit;
2004 - 2005 – Head of Large Projects Lending Unit, Business Customers Lending Office, Almaty City Branch, JSC Bank CenterCredit;
2005 - 2005 – Head of Cash and Settlement Unit No. 12, Almaty City Branch, JSC Bank CenterCredit;
2005 - 2006 – Head of Lending Division, SME Department, JSC Bank CenterCredit;
2006 - 2007 – Deputy Director – Deputy Head of Business Customers Lending Office , Almaty City Branch, JSC Bank CenterCredit;
2008 - 2011 – Head of Business Customers Lending Office, Almaty City Branch, JSC Bank CenterCredit;
2011 - 2011 – Head of Sales Office No. 2, Almaty City Branch, JSC Bank CenterCredit;
2011 - 2014 – Head of Credit Analysis Center, Almaty Regional Credit Analysis Center, JSC Bank CenterCredit;
2014 - 2016 – Almaty City Branch Director, JSC Bank CenterCredit;
2016 - 2018 – Credit Risk Department Director , JSC Bank CenterCredit;
01 March 2018 – Deputy Chairman of the Management Board, Member of the Management Board, JSC Bank CenterCredit.
22 October 2022 – elected as the Chairman of the Management Board, JSC Bank CenterCredit.
2000 - 2005 – Al-Farabi Kazakh National University, Oriental Studies
2006 - 2008 – Semey State University named after Auezov, Accounting and Audit
December 2005 - June 2006 – Junior Credit Officer, Almaty City Branch, JSC Bank CenterCredit;
July 2006 - June 2007 – Credit Officer, Almaty City Branch, JSC Bank CenterCredit;
July 2007 - February 2011 – Head of Small Business Lending Unit, Almaty City Branch, JSC Bank CenterCredit;
February 2011 - September 2011 – Head of Corporate Loans Unit, Almaty City Branch, JSC Bank CenterCredit;
October 2011 - April 2014 – Head of Small and Retail Business Division, JSC Bank CenterCredit;
May 2014 - July 2016 – Head of Credit Analysis Center, Almaty City Branch, JSC Bank CenterCredit;
August 2016 - October 2017 – Risk Department Director, JSC Bank CenterCredit;
October 2017 - August 2019 – Planning and Finance Department Director, JSC Bank CenterCredit;
August 2019 - 30 March 2020 – Managing Director, Lending and Risk Management Group,
JSC Bank CenterCredit;
From 31 March 2020 - to date – Deputy Chairman of the Management Board, Member of the Management Board, JSC Bank CenterCredit.
1999 - 2003 – Bolashak University, majoring in Information Systems in Economics;
2010 - 2012 – Bolashak University, majoring in Organization of Transportation, Traffic and Transport Operation.
2003 - 2004 – Credit Officer, Kyzylorda Branch, JSC Bank CenterCredit;
2004 - 2005 – Senior Credit Officer, Kyzylorda Branch, JSC Bank CenterCredit;
2005 - 2005 – Head of Sector within Lending Unit, Kyzylorda Branch, JSC Bank TuranAlem;
2005 - 2006 – Head of Banking Outlet, Kyzylorda Branch, JSC Bank TuranAlem;
2006 - 2006 – Chief Specialist, Lending Unit, Alatau Branch, JSC Alliance Bank;
2006 - 2008 – Deputy Director for Retail Business, Mangystau Branch, JSC BTA Bank;
2008 - 2009 – Deputy Director for Retail Business, Almaty Branch, JSC BTA Bank;
2009 - 2010 – Deputy Director of Astana Branch, JSC BTA Bank;
2010 - 2011 – Acting Astana Branch Director, JSC BTA Bank;
2011 - 2011 – Astana Branch Director, JSC BTA Bank;
2011 - 2012 – Kyzylorda Branch Director, JSC BTA Bank;
2012 - 2013 – Head of Credit Analysis Center, Ust-Kamenogorsk Branch, JSC Bank CenterCredit;
2013 - 2016 – Ust-Kamenogorsk Branch Director, JSC Bank CenterCredit;
2016 - 2020 – Almaty City Branch Director, JSC Bank CenterCredit;
2020 - 2021 – Managing Director – Department Director, JSC Bank CenterCredit;
2021 - to date – Managing Director, JSC Bank CenterCredit;
1997-2001 Almaty Institute of Technology and Business, specialty: Finance and credit.
1998 - 1999 – Accountant, OJSC Industiral Bank;
2000 - 2000 – Manager, Cascade LLP;
2000 - 2000 – Manager of Operational Business Division, JSC Halyk Bank of Kazakhstan;
2000 - 2002 – Specialist of Retail Business Division, JSC Halyk Bank of Kazakhstan;
2002 - 2003 – Senior Financial Controller, JSC Halyk Bank of Kazakhstan;
2003 - 2003 – Leading Financial Controller, JSC Halyk Bank of Kazakhstan;
2004 - 2004 – Top-Rank Financial Controller, JSC Halyk Bank of Kazakhstan;
2004 - 2005 – Head of Financial Control Unit, JSC Halyk Bank of Kazakhstan;
2006 - 2006 – Manager for Banking Products Development, JSC KazinvestBank;
2006 - 2007 – Manager of Banking Products Development Division, JSC KazinvestBank;
2007 - 2008 – Head of Division, JSC KazinvestBank;
2008 - 2008 – Business Development Manager, JSC KazinvestBank;
2008 - 2008 – Relations Development Manager, JSC KazinvestBank;
2008 - 2011 – Head of Retail Business Development and Support Division;
2011 - 2013 – Director of Business Systems Development and Support Department, JSC KazinvestBank;
2013 - 2014 – Deputy Head of Customer Manager Division, Subsidiary Bank of JSC Sberbank;
2014 - 2016 – Deputy Director of Corporate Business Analysis and Planning Division, Subsidiary Bank of JSC Sberbank;
2016 - 2018 – Director of Corporate Business Analysis and Planning Division, Subsidiary Bank of JSC Sberbank;
2018 - 2022 –Finance Department Director, Subsidiary Bank of JSC Sberbank;
2022 - 2022 – Deputy Chairman of the Management Board, Subsidiary Bank of JSC Sberbank;
2022 - 2023 – Managing Director – Chief Financial Officer,JSC Bereke Bank;
2023 - 2023 – Managing Director, JSC Bank CenterCredit;
2023 - Vice President, Member of the Management Board , JSC Bank CenterCredit
| Full Name of an Individual or Name of a Legal Entity – Security Holder | Securities | Ratio of the number of securities held by a security holder to the number of the issuer’s securities | |||
| Type (of securities) | Quantity | Total number of securities | % of placed | % of voting | |
| Bakhytbek Baiseitov | Ordinary shares | 91 146 273 | 91 166 551 | 40,10337855 | 49,36723351 |
| Preference shares | 20 278 | 0,0089221 | - | ||
| Vladislav Lee | Ordinary shares | 20 984 491 | 20 984 491 | 9,23295005 | 11,36575565 |
| Preference shares | - | - | - | ||