Výsledky za 1. štvrťrok
17 2024 mája
Akciová spoločnosť „Halyk Bank of Kazachstan“
Konsolidované finančné výsledky
for the three months ended 31 March 2024
Joint Stock Company 'Halyk Bank of Kazakhstan' and its subsidiaries (together "the Bank") (LSE: HSBK) releases consolidated financial information for the three months ended 31 March 2024.
Konsolidované výkazy ziskov a strát
KZT mil
1. štvrťrok 2024 | 1. štvrťrok 2023 | Zmena, abs | medziročne, % | |
Úrokový výnos | 496,254 | 380,269 | 115,985 | 30.5% |
Úrokové náklady | (242,018) | (188,177) | (53,841) | 28.6% |
Čistý úrokový výnos pred výdavkami na úverové straty | 254,236 | 192,092 | 62,144 | 32.4% |
Príjem z poplatkov a provízií | 50,074 | 47,405 | 2,669 | 5.6% |
Náklady na poplatky a provízie | (24,582) | (22,486) | (2,096) | 9.3% |
Čistý príjem z poplatkov a provízií | 25,492 | 24,919 | 573 | 2.3% |
Čistá ipríjem z poistenia (1) | 9,676 | 19,348 | (9,672) | (50.0%) |
Čistý zisk z devízových operácií, finančných aktív a pasív(2) | 45,689 | 28,926 | 16,763 | 58.0% |
Ostatné náklady/neúrokové výnosy (3) | (50,865) | 21,194 | (72,059) | (X2.4) |
Očakávané náklady na úverové straty a úhrada ostatných nákladov na úverové straty | (18,994) | (13,567) | (5,427) | 40.0% |
Prevádzkové náklady (4) | (56,641) | (46,486) | (10,155) | 21.8% |
Daň z príjmov | (30,629) | (33,972) | 3,343 | (9.8%) |
Čistý zisk | 177,964 | 192,454 | (14,490) | (7.5%) |
Čistý zisk pripadajúci na bežných akcionárov | 177,964 | 192,454 | (14,490) | (7.5%) |
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Čistá úroková marža pa | 7.1% | 6.0% | ||
Rentabilita priemerného vlastného imania, pa | 27.7% | 37.3% | ||
Rentabilita priemerných aktív pa | 4.6% | 5.4% | ||
Pomer nákladov a výnosov | 19.9% | 16.2% | ||
Náklady na riziko úverov klientom, pa | 0.9% | 0.8% |
(1) výnosy z poistenia znížené o náklady na poistné služby a čisté náklady na zaistenie;
(2) Čistý zisk z finančného majetku a záväzkov v reálnej hodnote cez výkaz ziskov a strát, čistý realizovaný zisk/(strata) z finančného majetku v reálnej hodnote cez ostatné súčasti komplexného výsledku, čistý kurzový zisk;
(3) Share in profit of associate, income on non-banking activities, other expense;
(4) Including reversal of/(loss from) impairment of non-financial assets;
In preparing the interim condensed consolidated financial information for the three months ended 31 March 2024, the Group carried out an inventory of its financial instruments. The inventory process identified financial instruments measured at fair value through profit or loss that were previously restricted in use and were incorrectly measured at cost. The Group revaluated these financial instruments and recognized prior period adjustments.
The consolidated statement of profit or loss for the three months ended 31 March 2023 has been reclassified to conform to the presentation for the year ended 31 December 2023 because the presentation of the current year report provides a clearer picture of the Group's financial performance. All of the ratios were also recalculated accordingly. For more detailed information please refer to Halyk Group's financial statements for 1Q 2024, note #4b.
Čistý zisk pripadajúci na bežných akcionárov decreased to KZT 178.0bn in 1Q 2024, down 7.5% compared with KZT 192.5bn in 1Q 2023, despite increase in lending and transactional businesses, due to one off recognized loss for KZT 66.1bn (pre-tax) in view of expected early repayment of the deposit of JSC Kazakhstan Sustainability Fund (KSF) in accordance with the IFRS.
Úrokový výnos za 1. štvrťrok 2024 vzrástol o 30.5 % v porovnaní s 1. štvrťrokom 2023 najmä v dôsledku zvýšenia priemernej sadzby a zostatkov úverov klientom.
Úrokové náklady for 1Q 2024 increased by 28.6% vs. 1Q 2023 mainly as a result of the growth in average rate on amounts due to customers and increase in the share of KZT amounts due to customer. Consequently, net interest income for 1Q 2024 grew by 32.4% vs. 1Q 2023.
V 1. štvrťroku 2024 čistá úroková marža was affected by the increase in average rates on both loans to customers and amounts due to customers. Furthermore, the share of loans to customers in total interest earning assets has increased. Moreover, there was an increase in the average rate of FX amounts due from credit institutions and FX interest-earning cash and cash equivalents following the increase of USD interest rates, as well as increase in the share of KZT interest-earning cash and cash equivalents. As a result, net interest margin increased to 7.1% p.a. for 1Q 2024 compared to 6.0% p.a. for 1Q 2023.
In 1Q 2024 compared to 1Q 2023, the overall dynamics of fee and commission income and expense was driven by the increased number of clients and the growth of clients' transactional activity. Net fee and commission income for 1Q 2024 increased by 2.3% vs. 1Q 2023 due to increase in net transactional income of individuals(5) as well as in fees on letters of credit and guarantees issued.
Ostatné náklady/neúrokové výnosy (6) decreased by x2.4 for 1Q 2024 vs. 1Q 2023 mainly due to one off recognized loss for KZT 66.1bn (pre-tax) in view of expected early repayment of the deposit of KSF in accordance with the IFRS.
Prevádzkové náklady for 1Q 2024 increased by 21.8% vs. 1Q 2023 mainly due to the indexation of salaries and other employee benefits starting from 1 March 2023.
Náklady na riziko on loans to customers for 1Q 2024 was at normalized level within the scope of our full year guidance and was at the level of 0.9%.
pomer nákladov a výnosov rovnalo sa 19.9 % v 1Q 2024, v porovnaní s rokom 16.2% in 1Q 2023 due to higher operating výdavky for 1Q 2024.
(5) Transakčné príjmy jednotlivcov mínus transakčné náklady jednotlivcov a mínus bonusy z vernostného programu;
(6) Share in profit of associate, income on non-banking activities, other expense;
Statement z financIAL postion review
KZT mil
31-Mar-24 |
| 31-Dec-23 |
| Zmena, abs | Zmeniť YTD, % | ||
Celkové aktíva | 15,910,944 |
| 15,494,368 |
| 416,576 |
| 2.7% |
Hotovosť a rezervy | 1,873,511 | 1,622,181 | 251,330 | 15.5% | |||
Sumy splatné od úverových inštitúcií | 154,033 | 171,754 | (17,721) | (10.3%) | |||
T-bills & NBK notes | 2,264,214 | 2,125,941 | 138,273 | 6.5% | |||
Ostatné cenné papiere a deriváty | 1,595,270 | 1,614,666 | (19,396) | (1.2%) | |||
Hrubé úverové portfólio | 9,811,644 | 9,774,798 | 36,846 | 0.4% | |||
Zásoba zásob | (512,352) | (489,926) | (22,426) | 4.6% | |||
Čisté úverové portfólio | 9,299,292 | 9,284,872 | 14,420 | 0.2% | |||
Aktíva držané na predaj | 125,807 | 111,542 | 14,265 | 12.8% | |||
Ostatné aktíva | 598,817 | 563,412 | 35,405 | 6.3% | |||
Pasíva spolu | 13,246,474 |
| 13,017,414 |
| 229,060 |
| 1.8% |
Celkové vklady vrátane: | 11,211,283 | 10,929,504 | 281,779 | 2.6% | |||
retailové vklady | 5,850,404 | 5,828,645 | 21,759 | 0.4% | |||
termínované vklady | 4,962,819 | 4,808,592 | 154,227 | 3.2% | |||
bežné účty | 887,585 | 1,020,053 | (132,468) | (13.0%) | |||
firemné vklady | 5,360,879 | 5,100,859 | 260,020 | 5.1% | |||
termínované vklady | 3,809,577 | 3,338,099 | 471,478 | 14.1% | |||
bežné účty | 1,551,302 | 1,762,760 | (211,458) | (12.0%) | |||
Dlhové cenné papiere | 655,735 | 653,393 | 2,342 | 0.4% | |||
Sumy splatné úverovým inštitúciám | 669,815 | 778,311 | (108,496) | (13.9%) | |||
Ostatné záväzky | 709,641 | 656,206 | 53,435 | 8.1% | |||
Spravodlivosť | 2,664,470 |
| 2,476,954 |
| 187,516 |
| 7.6% |
Ku koncu 1Q 2024, Celkové aktíva were up 2.7% year-to-date due to increase in amounts due to customers.
V porovnaní s koncom roka 2023 pôžičky zákazníkom were up 0.4% on a gross and 0.2% on a net basis. The increase in the gross loan portfolio was attributable to a rise of 7.9% in retail loans, while corporate loan portfolio and SME loan portfolio were down by 2.6% and 4.7%, respectively, due to seasonal effect.
Ku koncu 1Q 2024 Stage 3 loans remain at the level of 7.5% despite some increase in absolute terms.
V porovnaní s koncom 4. štvrťroka 2023 vklady právnických osôb a the deposits of individuals boli hore 5.1% and 0.4%, respectively, due to fund inflow from the Bank's clients.
As at the end of 1Q 2024, the share of KZT deposits in total corporate deposits was 69.9% compared to 72.9% as at the YE 2023, while the share in total retail deposits was 65.2% vs. 63.4% as at YE 2023.
Ku koncu 1Q 2024 emitované dlhové cenné papiere were slightly up by 0.4% year-to-date. As at the end of 1Q 2024, the Bank's debt securities portfolio was as follows:
Popis zabezpečenia | Nominálna nesplatená suma | Úroková sadzba | Dátum splatnosti |
| |||
Miestne dlhopisy | 100 miliárd KZT | 7.5 % pa | novembra 2024 |
Miestne dlhopisy | 131.7 miliárd KZT | 7.5 % pa | február 2025 |
Dlhopisy s podriadeným kupónom | 101.1 miliárd KZT | 9.5 % pa | októbra 2025 |
Miestne dlhopisy kótované v Astane Medzinárodná výmena | USD 185.5mln | 3.5 % pa | môže 2025 |
Miestne dlhopisy kótované v Astane Medzinárodná výmena | 299 USD.9mil | 3.5 % pa | môže 2025 |
Miestne dlhopisy kótované v Astane Medzinárodná výmena | USD 229.8mil | 3.5 % pa | júla 2025 |
V 1. štvrťroku 2024 celkový vlastný kapitál of the Bank increased by 7.6% compared to the YE 2023, mainly due to net profit earned by the Bank during 1Q 2024.
Ukazovatele kapitálovej primeranosti banky boli nasledovné*:
31-Mar-24 | 31-Dec-23 | 30-Sep-23 | 30-Jun-23 | 31-Mar-23 | |
Ukazovatele kapitálovej primeranosti, nekonsolidované: | |||||
Halykova banka | |||||
k1-1 | 19.0% | 19.6% | 18.6% | 18.1% | 20.2% |
k1-2 | 19.0% | 19.6% | 18.6% | 18.1% | 20.2% |
k2 | 19.2% | 19.9% | 19.0% | 18.4% | 20.6% |
Ukazovatele kapitálovej primeranosti, konsolidované: | |||||
SEČ 1 | 19.5% | 19.3% | 18.2% | 17.9% | 19.3% |
Kapitál 1. úrovne | 19.5% | 19.3% | 18.2% | 17.9% | 19.3% |
Celkový kapitál | 19.7% | 19.6% | 18.5% | 18.3% | 19.6% |
* minimálne požiadavky na primeranosť vlastných zdrojov sú 9.5 % pre k1, 10.5 % pre k1-2 a 12 % pre k2, vrátane ochranného vankúša vo výške 3 % a systémového vankúša vo výške 1 % pre každého.
The consolidated financial information for the three months ended 31 March 2024, including the notes attached thereto, are available on Halyk Bank's website: http://halykbank.com/financial-results.
A 1Q 2024 results webcast will be hosted at 3:00pm London time/7:00pm Almaty time (UTC +05:00) on Monday, 20 May 2024. A live webcast of the presentation can be accessed via Zoom link after the registration. The registration is open until 20 May 2024 (including), prosím o registráciu kliknite tu.
O banke Halyk
Halyk Bank je popredná skupina finančných služieb v Kazachstane, ktorá pôsobí v rôznych segmentoch, vrátane retailového, SME a firemného bankovníctva, poistenia, lízingu, brokervek a správa majetku. Halyk Bank je kótovaná na kazašskej burze cenných papierov od roku 1998, na londýnskej burze cenných papierov od roku 2006 a na medzinárodnej burze Astana od októbra 2019.
With total assets of KZT 15,910.9bn as at 31 March, 2024, Halyk Bank is Kazakhstan's leading lender. The Bank has the largest customer base and broadest branch network in Kazakhstan, with 571 branches and outlets across the country. The Bank also operates in Georgia and Uzbekistan.
Ďalšie informácie o banke Halyk nájdete na stránke https://www.halykbank.com
- KONIEC-
Pre ďalšie informácie prosím kontaktujte:
Halykova banka |
|
MirTiyanak |
+7 727 259 04 30 |
Rustam Telish |
+7 727 330 15 66 [chránené e-mailom] |
Nurgul Mukhadi |
+7 727 330 16 77 |
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