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JOINT-STOCK COMPANY BANK CENTERCREDIT NON-CONSOLIDATED STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR SIX MONTHS ENDED 30 JUNE 2025 (UNAUDITED) (in million KZT) | ||
| For six months ended 30 June 2025 | For six months ended 30 June 2024 | |
| Interest income calculated using the effective interest rate method, excluding interest income on loans to customers and banks carried at amortised cost | 88 707 | 74 157 |
| Interest income calculated using the effective interest rate method on loans to customers and banks carried at amortised cost | 342 399 | 258 113 |
| Interest expense | (230 076) | (171 192) |
| NET INTEREST INCOME BEFORE PROVISION FOR EXPECTED CREDIT LOSSES ON INTEREST-BEARING ASSETS | 201 030 | 161 078 |
| Formation of reserves for expected credit losses on interest-bearing assets | (44 363) | (34 989) |
| NET INTEREST INCOME | 156 667 | 126 089 |
| Fee and commission income | 43 476 | 40 343 |
| Fee and commission expense | (21 194) | (18 933) |
| NET FEE INCOME | 22 282 | 21 410 |
| Net gain/(loss) on financial instruments at fair value through profit or loss | 5 862 | 4 774 |
| Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income | (452) | 1 479 |
| Net gain/(loss) on foreign exchange operations | 60 592 | 28 719 |
| Provision for expected credit losses allowance on other financial assets and due from banks | 5 138 | (4 800) |
| Provision for credit related commitments | 276 | 2 618 |
| Loss from impairment loss on other non-financial assets | (49) | 45 |
| Other income/expenses | 1 188 | (3 639) |
| NET NON-INTEREST INCOME | 94 837 | 50 606 |
| OPERATING INCOME | 251 504 | 176 695 |
| OPERATING EXPENSES | (90 993) | (74 238) |
| OPERATING PROFIT BEFORE INCOME TAX | 160 511 | 102 457 |
| Corporate income tax expense | (23 142) | (18 097) |
| PROFIT FOR THE PERIOD | 137 369 | 84 360 |
On behalf of the Group's Management Board: First Vice President, Member of the Management Board _____________ R.B. Tenizov Chief Accountant _______________ A.T. Nurgaliyeva | ||
| JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE MONTH ENDED 31 DECEMBER 2024 (in millions of Kazakhstani tenge) | ||
| 31 December 2024 | 31 December 2023 | |
| Interest income calculated using the effective interest rate method, excluding interest income on loans provided to customers and banks accounted for at amortized cost | 153,952 | 138,712 |
| Interest income calculated using the effective interest rate method on loans provided to customers and banks accounted for at amortized cost | 573,798 | 386,244 |
| Interest expense | (367,662) | (274,382) |
| Net interest income before credit loss allowances on interest-bearing assets | 360,088 | 250,574 |
| Expected credit loss allowance on loans to customers and banks | (68,279) | (40,821) |
| NET INTEREST INCOME | 291,809 | 209,753 |
| Fee and commission income | 81,578 | 84,536 |
| Fee and commission expense | (37,154) | (44,913) |
| Net fee and commission income | 44,424 | 39,623 |
| Net gain/(loss) on financial instruments at fair value through profit or loss | 1,173 | 7,892 |
| Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income | 2,179 | 883 |
| Net foreign exchange gain | 92,016 | 45,603 |
| Expected credit loss allowance on other financial assets and due from banks | (20,597) | (1,284) |
| Charge of provision for credit-related commitments | 2,587 | (27,399) |
| Impairment loss on other non-financial assets | (5,029) | (742) |
| Income from initial recognition of financial liabilities | 33,025 | - |
| Loss from early repayment of subordinated bonds | (9,842) | - |
| Other expenses | (10,456) | (937) |
| NET NON-INTEREST INCOME | 129,480 | 63,639 |
| OPERATING INCOME | 421,289 | 273,392 |
| OPERATING EXPENSES | (171,837) | (118,475) |
| OPERATING INCOME BEFORE TAX | 249,452 | 154,917 |
| Corporate income tax expense | (54,328) | (24,401) |
| NET INCOME | 195,124 | 130,516 |
| Chairman of the Management Board | _______________ | R.V. Vladimirov |
| Chief Accountant | _______________ | A.T. Nurgaliyeva |
| JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE MONTH ENDED 30 SEPTEMBER 2024 (in millions of Kazakhstani tenge) | ||
| 30 September 2024 | 31 December 2023 | |
| Interest income calculated using the effective interest rate method, excluding interest income on loans provided to customers and banks accounted for at amortized cost | 113,631 | 105,473 |
| Interest income calculated using the effective interest rate method on loans provided to customers and banks accounted for at amortized cost | 411,060 | 269,024 |
| Interest expense | (267,112) | (196,288) |
| Net interest income before credit loss allowances on interest-bearing assets | 257,579 | 178,209 |
| Expected credit loss allowance on loans to customers and banks | (55,669) | (31,139) |
| NET INTEREST INCOME | 201,910 | 147,070 |
| Fee and commission income | 63,614 | 62,987 |
| Fee and commission expense | (30,899) | (26,743) |
| Net fee and commission income | 32,715 | 36,244 |
| Net gain/(loss) on financial instruments at fair value through profit or loss | 5,294 | 1,432 |
| Net gain on sale and repayment of financial assets measured at fair value through other comprehensive income | 2,123 | 433 |
| Net foreign exchange gain | 54,941 | 37,713 |
| Expected credit loss allowance on other financial assets and due from banks | (5,086) | (1,205) |
| Charge of provision for credit-related commitments | 2,695 | 23,200 |
| Impairment loss on other non-financial assets | (40) | (689) |
| Other expenses | (4 260) | (5 892) |
| NET NON-INTEREST INCOME | 88 462 | 44 846 |
| OPERATING INCOME | 290 372 | 191 916 |
| OPERATING EXPENSES | (119 295) | (82 760) |
| OPERATING INCOME BEFORE TAX | 171,077 | 109,156 |
| Corporate income tax expense | (31,968) | (9,919) |
| NET INCOME | 139,109 | 99,237 |
| Chairman of the Management Board | _______________ | R.V. Vladimirov |
| Chief Accountant | _______________ | A.T. Nurgaliyeva |
JOINT-STOCK COMPANY BANK CENTERCREDIT NON-CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 JUNE 2025 (UNAUDITED) (in million KZT) | ||
| June 30, 2025 | December 31, 2024 | |
| ASSETS: | ||
| Cash and cash equivalents | 1 436 186 | 1 662 364 |
| Investment securities measured at fair value, changes in which are recognised in other comprehensive income for the period | 997 897 | 874 997 |
| Investment securities measured at amortized cost | 279 729 | 216 969 |
| Investments in subsidiaries | 110 993 | 94 421 |
| Funds in banks | 89 733 | 103 397 |
| Loans granted to customers and banks | 4 072 584 | 3 882 989 |
| Current income tax assets | 10 517 | 6 922 |
| Property, equipment and intangible assets | 79 646 | 70 355 |
| Other assets | 109 624 | 90 273 |
| TOTAL ASSETS | 7 186 909 | 7 002 687 |
| LIABILITIES: | ||
| Funds and loans of banks and financial institutions | 311 431 | 273 060 |
| Financial liabilities measured at fair value, changes in which are recognized in profit or loss for the period | 213 | 1 413 |
| Customer accounts | 5 456 436 | 5 407 027 |
| Debt securities issued | 162 245 | 161 264 |
| Deferred income tax liability | 10 231 | 10 625 |
| Subordinated bonds | 39 168 | 43 046 |
| Other liabilities | 505 997 | 482 315 |
| TOTAL LIABILITIES | 6 485 721 | 6 378 750 |
| EQUITY: | ||
| Share capital | 63 452 | 65 842 |
| Provision for changes in the fair value of securities | (32 409) | 1 419 |
| Reserve from revaluation of fixed assets | 72 | 72 |
| Retained earnings | 670 073 | 556 604 |
| TOTAL EQUITY | 701 188 | 623 937 |
| TOTAL LIABILITIES AND EQUITY | 7 186 909 | 7 002 687 |
| On behalf of the Group's Management Board: First Vice President, Member of the Management Board _____________ R.B. Tenizov Chief Accountant _______________ A.T. Nurgaliyeva | ||
| JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2024 (in millions of Kazakhstani tenge) | ||
| 31 December 2024 | 31 December 2023 | |
| Cash and cash equivalents | 1 653 838 | 1 350 988 |
| Financial instruments at fair value through profit or loss | - | 62 |
| Investment securities measured at fair value through other comprehensive income | 874 997 | 607 760 |
| Investment securities at amortized cost | 216 969 | 74 519 |
| Due from banks | 103 397 | 39 483 |
| Investments in subsidiaries | 94 421 | 63 710 |
| Loans to customers and banks | 3 877 264 | 2 978 506 |
| Current income tax assets | 8 626 | 15 511 |
| Property, plant and equipment and intangible assets | 70 355 | 62 718 |
| Other assets | 93 001 | 57 744 |
| TOTAL ASSETS | 6 992 868 | 5 251 001 |
| LIABILITIES | ||
| Due to banks and financial institutions | 278 018 | 169 053 |
| Customer accounts | 5 402 070 | 4 027 671 |
| Debt securities issued | 152 740 | 70 532 |
| Deferred income tax liabilities | 15 921 | 10 921 |
| Subordinated bonds | 43 046 | 58 718 |
| Other liabilities | 476 474 | 500 607 |
| TOTAL LIABILITIES | 6 368 269 | 4 837 502 |
| EQUITY | ||
| Share capital | 65 842 | 65 842 |
| Fair value reserve for securities | 1 419 | (14 549) |
| Property, plant and equipment revaluation reserve | 74 | 732 |
| Retained earnings | 557 264 | 361 474 |
| TOTAL EQUITY | 624 599 | 413 499 |
| 6 992 868 | 5 251 001 | |
| Chairman of the Management Board | ______________ | R.V. Vladimirov |
| Chief Accountant | ______________ | A.T. Nurgaliyeva |
| JOINT-STOCK COMPANY BANK CENTERCREDIT STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2024 (in millions of Kazakhstani tenge) | ||
| 30 September 2024 | 31 December 2023 | |
| Cash and cash equivalents | 1 100 337 | 1 350 988 |
| Financial instruments at fair value through profit or loss | 148 | 62 |
| Investment securities measured at fair value through other comprehensive income | 790 462 | 607 760 |
| Investment securities at amortized cost | 215 447 | 74 519 |
| Due from banks | 64 651 | 39 483 |
| Investments in subsidiaries | 85 202 | 63 710 |
| Loans to customers and banks | 3 622 755 | 2 978 506 |
| Current income tax assets | - | 15 511 |
| Property, plant and equipment and intangible assets | 63 572 | 62 718 |
| Other assets | 79 068 | 57 744 |
| TOTAL ASSETS | 6 021 642 | 5 251 001 |
| LIABILITIES | ||
| Due to banks and financial institutions | 220 888 | 169 053 |
| Customer accounts | 4 615 888 | 4 027 671 |
| Debt securities issued | 75 457 | 70 532 |
| Current income tax liability | 2 110 | - |
| Deferred income tax liabilities | 10 921 | 10 921 |
| Subordinated bonds | 61 638 | 58 718 |
| Other liabilities | 473 411 | 500 607 |
| TOTAL LIABILITIES | 5 460 313 | 4 837 502 |
| EQUITY | ||
| Share capital | 65 842 | 65 842 |
| Fair value reserve for securities | (5 828) | (14 549) |
| Property, plant and equipment revaluation reserve | 74 | 732 |
| Retained earnings | 501 241 | 361 474 |
| TOTAL EQUITY | 561 329 | 413 499 |
| 6 021 642 | 5 251 001 | |
| Chairman of the Management Board | ______________ | R.V. Vladimirov |
| Chief Accountant | ______________ | A.T. Nurgaliyeva |
Independent Auditor's Reports
2008 Financial Statements
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1Q 2009 Financial Statements
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2Q 2009 Financial Statements
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Financial Statements for 9 months ended 30 September 2009
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2009 Financial Statements
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1Q 2010 Financial Statements
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2Q 2010 Financial Statements
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3Q 2010 Financial Statements
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2010 Financial Statements
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2Q 2011 Financial Statements
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2011 Financial Statements
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2012 Financial Statements
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2013 Financial Statements
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2Q 2014 Financial Statements
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2014 Financial Statements
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2Q 2015 Financial Statements
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2015 Financial Statements
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2Q 2016 Financial Statements
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2016 Independent Auditor's Consolidated Financial Statements
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2017 Independent Auditor's Consolidated Financial Statements
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2Q 2017 Independent Auditor's Consolidated Financial Statements
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6M 2018 Unaudited Consolidated Interim Condensed Financial Statements
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2018 Consolidated Audited Financial Statements
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30 June 2019 Unaudited Consolidated Interim Condensed Financial Statements
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2019 Consolidated Audited Financial Statements
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2020 Consolidated Audited Financial Statements
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2021 Consolidated Audited Financial Statements
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2022 Consolidated Audited Financial Statements
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2022 Independent Auditor's Consolidated Financial Statements
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30 June 2023 Consolidated Interim Condensed Financial Statements
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2023 Consolidated Audited Financial Statements
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Consolidated Interim Condensed Financial Statements for the six months ended 30 June 2024
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Consolidated Financial Statements for the year ended 31 December 2024
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Other Reports
The Explanatory Note
Separate Financial Statements 2021
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Explanatory Note to Separate Financial Statements 2Q 2022
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Explanatory Note to Separate Financial Statements 3Q 2022
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Joint-Stock Company Bank CenterCredit Unconsolidated Statement of Changes in Equity for 9M ended 30 September 2022 (unaudited)
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Separate Financial Statements 2022
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Explanatory Note to Separate Financial Statements 1Q 2023
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Explanatory Note to Separate Financial Statements 2Q 2023
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Explanatory Note to Separate Financial Statements 3Q 2023
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Explanatory Note to Separate Financial Statements 4Q 2023
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Explanatory Note to Separate Financial Statements 1Q 2024
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