1.4. Awards of sb of jsc «Sberbank»

2009 - The Subsidiary Bank JSC «Sberbank of Russia» in Kazakhstan became the winner of the honorable international business award "Bayterek" in the nomination "Capital Partner"

2009 - The SB of JSC «Sberbank» became the winner in the nomination the «Best Bank»

2008 - with foreign participation the Republic of Kazakhstan in 2008 according to the «Delovar» magazine with assistance of National economic chamber «Union Atameken» and Akimat of the city of Almaty.

2010 - The SB of JSC «Sberbank» entered in 50 of the best in «A rating of the companies with the best reputation» (according to researches overview – the analytical magazine Exclusive). The Sberbank took the fourth place in the «Existence of the Recognizable Image» parameter.

2010 - The SB of JSC «Sberbank» became the winner in the nomination the Most dynamic bank on the II Annual forum of large business «Expert 100-Kazakhstan» - For 2009 SB the «Sberbank» increased the assets by 127% that Kazakhstan is the best indicator among banks of Expert RA.

Thus the income of bank grew by 60% that allowed it to move with 70 on 51 places in a rating.

2. Analysis of financial results of sb of jsc «Sberbank»

2.1. The analysis of the balance sheet on ifrs (See the appendix 2)

Assets

For 2014 assets of Bank grew by 42% or 305,7 billion tenge, having made for 01.01.2015 1 033 billion tenge.

The credit portfolio for 01.01.2015 made 730,8 billion tenge, having increased in a year by 213,8 billion tenge, or 41,3%. The share of a credit portfolio in total assets of Bank made 70,7%.

Money and their equivalents grew by 46,4%, or 42,9 billion tenge, and made 135,6 billion tenge. The share of money in assets for reporting date made 13,1%.

The portfolio of securities for 2014 grew by 5,4% or 4,9 billion tenge, having made on 01.01.2015. 96,7 billion tenge. Specific weight of securities was lost from 12,6% in 2013% to 9,4% in 2014.

The market share of Bank on assets grew from 5,3% in 2013 to 6,7% in 2014, in a rating of assets the Bank moved from the 6th place on the 5th place.

Obligations

Obligations of bank for 2014 increased by 43,3%, or 276,7 billion tenge. The main source of growth there is a deposit portfolio of clients. Within a year the Bank also carried out active attraction in the interbank market. For 2014 means in credit institutions increased by 10,7%, or 11,1 billion having made 115,5 billion tenge. Thus in structure of obligations, the share of these resources decreased from 16,3% in 2013 to 13% in 2014.

Means of clients are the main source of funding of bank with the specific weight of 80% from the volume of obligations.

Means of clients on 01.01.2015 made 733,5 billion tenge, having increased by 45,4%, or 228,9 billion tenge, including:

- on means of corporate clients – for 32,3% or 124,4 billion tenge

- on means of natural persons – for 87,3%, or 104,5 billion tenge.

The share of Bank in the market of client resources increased from 7,3% to 8,0% on corporate clients, from 3,5% to 5,7 on means of natural persons.

As of 01.01.2015 debt securities are submitted by three issues of bonds on KSE nominated in tenge with nominal rates of remuneration of 6,3%-9,0% per annum and a repayment period of 2017-2020. In 2013 the Bank carried out three issues of bonds within the second bonded program with the total par value of 32,9 billion tenge, the total amount of the placed bonds made 62,3 billion tenge.

Capital

For 2014 own capital increased by 32,9%, or 29 billion tenge, including for 14,9 billion tenge at the expense of net profit of Bank.

In December, 2014. The bank increased authorized capital by 7,5 billion tenge, having let out additional issue of an action.

The coefficients of sufficiency of the capital calculated according to requirements of FSA exceed the minimum demanded level. During 2013 the Bank observed all established requirements of FSA for standards of sufficiency of own capital.