The list of the used sources
1. Official site of SB of JSC «Sberbank» of www.sberbank.kz
2. Site of the Kazakhstan share exchange www.kase.kz
3. Charter of SB of JSC «Sberbank»
4. Internal normative documents of SB of JSC «Sberbank»
5. Information portal about personal investments and finance. investfunds.kz
APPENDIX 1
Organizational structure of corporate management of SB of JSC «Sberbank»
General shareholder meeting
External
auditor
Corporate
secretary
Board of directors
Committee
of board of directors concerning internal audit
Department
of internal audit
Сompliance
controller
Committee
of board of directors concerning strategic planning
Committee
of board of directors concerning shots and remunerations
Committee
of board of directors on questions to social problems
Credit
committee of Board of directors
Board
APPENDIX 2
The REPORT ON the FINANCIAL POSITION for December 31, 2014
|
December 31, 2014 |
December 31, 2013 |
Assets |
|
|
Money and their equivalents |
135615 |
92659 |
Means in credit institutions |
33136 |
2078 |
Credits and advance payments to clients |
730804 |
517039 |
Investment securities: |
|
|
- available for sale |
91118 |
83800 |
- withheld for repayment |
5589 |
7951 |
Assets on the current corporate of income tax |
790 |
545 |
Fixed assets |
26199 |
17421 |
Intangible assets |
4546 |
3067 |
Assets on the postponed CIT |
284 |
- |
Other assets |
5373 |
3144 |
Total assets |
1033454 |
727704 |
|
|
|
Liability |
|
|
Means of credit institutions |
115530 |
104393 |
Means of corporate clients |
509340 |
384986 |
Means of natural persons |
224164 |
119658 |
Issued debt securities |
62321 |
24791 |
Obligations for the postponed CIT |
- |
3243 |
Other liability |
4760 |
2373 |
Total liability |
916115 |
639444 |
|
|
|
Capital |
|
|
Authorized capital |
51500 |
44000 |
Retained earnings |
42870 |
27945 |
Other funds |
22969 |
16315 |
Total capital |
117339 |
88260 |
Total capital and obligations |
1033454 |
727704 |
|
|
|
APPENDIX 3
The PROFIT AND LOSS REPORT for December 31, 2014
|
2014 |
2013 |
Interest income |
78490 |
54771 |
Percentage expenses |
-32166 |
-21827 |
Net interest income |
46324 |
32944 |
|
|
|
(assignment on) / reduction under depreciation |
-10378 |
2314 |
credit portfolio |
|
|
Net interest income after a reserve under |
35946 |
35258 |
depreciation of a credit portfolio |
|
|
|
|
|
Commission income |
13310 |
9084 |
Commission expenses |
-1641 |
-994 |
Net income / (expenses) from operations with the investment |
160 |
-175 |
the securities available for sale |
|
|
Net income / (expenses) from operations in foreign currency: |
|
|
trade operations |
5079 |
3998 |
revaluation of currency articles |
157 |
81 |
Other income |
355 |
306 |
Operating income |
53366 |
47558 |
|
|
|
Administrative and operating expenses |
-25942 |
-18479 |
Other (expenses) / income from (depreciation and creation) |
-1184 |
235 |
/ restoration of reserves |
|
|
Profit to an expense on corporate income tax |
26240 |
29314 |
|
|
|
Expenses on corporate income tax |
-4617 |
-5293 |
Profit in a year |
21623 |
24021 |
|
|
|
Basic earning per share (in tenge) |
1780,09 |
2180,49 |
APPENDIX 4
STRUCTURE OF THE CREDIT PORTFOLIO IN THE SECTION OF BRANCHES
