statistics
As of 31 December 2020
NOTE: USD/KZT exchange rate as of 31 December 2020: $1 = KZT 420,91
Gross Loan Portfolio, KZT 000’s
136 273 144
growth/decline: 1%
Number of active clients
222 099
growth/decline: -10%
PAR>30 days + restructured, KZT 000’s
39 189 219
share: 29%
Number of female clients
125 757
share: 57%
Number of clients from rural areas
150 131
share: 68%
Number of employees
1 811
Number of credit employees
921
share: 51%
As of 1 October2020
NOTE: USD/KZT exchange rate as of 1 October 2020: $1 = KZT 431.82
Gross Loan Portfolio, KZT 000’s
133 434 918
growth/decline: -1.1%
Number of active clients
221 351
growth/decline: -10.7%
PAR>30 days + restructured, KZT 000’s
54 235 707
share: 40.2%
Number of female clients
125 747
share: 57%
Number of clients from rural areas
148 483
share: 67%
Number of employees
1 795
Number of credit employees
913
share: 51%
As of 1 July 2020
NOTE: USD/KZT exchange rate as of 1 July 2020: $1 = KZT 403.93
Gross Loan Portfolio, KZT 000’s
135 335 628
growth/decline: +0.3%
Number of active clients
225 135
growth/decline: -9.2%
PAR>30 days + restructured, KZT 000’s
71 954 037
share: 53.2%
Number of female clients
128 186
share: 57%
Number of clients from rural areas
150 257
share: 67%
Number of employees
1 922
Number of credit employees
961
share: 50%
As of 1 April 2020
NOTE: USD/KZT exchange rate as of 1 April 2020: $1 = KZT 447.67
Gross Loan Portfolio, KZT 000’s
133 648 555
growth/decline: -0.9%
Number of active clients
239 508
growth/decline: -3.4%
PAR>30 days + restructured, KZT 000’s
6 129 977
share: 4.6%
Number of female clients
137 431
share: 57%
Number of clients from rural areas
160 317
share: 67%
Number of employees
1 980
Number of credit employees
1 006
share: 51%
As of 1 January 2020
NOTE: USD/KZT exchange rate as of 1 January 2020: $1= KZT 382.59
Gross Loan Portfolio, KZT 000’s
134 880 142
growth/decline: +13.9%
Number of active clients
248 007
growth/decline: +1.8%
PAR>30 days + restructured, KZT 000’s
5 570 228
share: 4.1%
Number of female clients
144 304
share: 58%
Number of clients from rural areas
165 131
share: 67%
Number of employees
1 960
Number of credit employees
1 022
share: 52%
As of 1 October 2019
NOTE: USD/KZT exchange rate as of 1 October 2019: $1 = KZT 387.99
Gross Loan Portfolio, KZT 000’s
135 566 183
growth/decline: +14.4%
Number of active clients
247 987
growth/decline: +1.8%
PAR>30 days + restructured, KZT 000’s
5 097 236
share: 3,8%
Number of female clients
144 318
share: 58%
Number of clients from rural areas
164 641
share: 66%
Number of employees
1 993
Number of credit employees
1 055
share: 53%
As of 1 July 2019
NOTE: USD/KZT exchange rate as of 1 July 2019: $1= KZT 380.53
Gross Loan Portfolio, KZT 000’s
133 890 999
growth/decline: +13.0%
Number of active clients
254 426
growth/decline: +4.2%
PAR>30 days + restructured, KZT 000’s
4 533 323
share: 3.4%
Number of female clients
148 388
share: 58%
Number of clients from rural areas
169 876
share: 67%
Number of employees
1 972
Number of credit employees
1 058
share: 54%
As of 1 April 2019
NOTE: USD/KZT exchange rate as of 1 April 2019: $1 = KZT 380.04
Gross Loan Portfolio, KZT 000’s
124 220 172
growth/decline: +4.9%
Number of active clients
243 715
growth/decline: +1.9%
PAR>30 days + restructured, KZT 000’s
4 061 673
share: 3.3%
Number of female clients
146 556
share: 59%
Number of clients from rural areas
166 167
share: 67%
Number of employees
1 938
Number of credit employees
1 057
share: 55%
As of 1 January 2019
NOTE: USD/KZT exchange rate as of 1 January 2019: $1 = KZT 384.2
Gross Loan Portfolio, KZT 000’s
118 463 328
growth/decline: +35.3%
Number of active clients
243 715
growth/decline: +10.3%
PAR>30 days + restructured, KZT 000’s
2 351 441
share: 2.0%
Number of female clients
145 900
share: 60%
Number of clients from rural areas
162 865
share: 67%
Number of employees
1 908
Number of credit employees
1 046
share: 55%
As of 1 October 2018
NOTE: USD/KZT exchange rate as of 1 October 2018: $1 = KZT 363.07
Gross Loan Portfolio, KZT 000’s
110 467 340
growth/decline: +26.1%
Number of active clients
232 546
growth/decline: +5.3%
PAR>30 days + restructured, KZT 000’s
2 780 029
share: 2.5%
Number of female clients
140 185
share: 60%
Number of clients from rural areas
155 015
share: 67%
Number of employees
1789
Number of credit employees
958
share: 53%
As of 1 July 2018
NOTE: USD/KZT exchange rate as of 1 July 2018: $1 = KZT 341.08
Gross Loan Portfolio, KZT 000’s
102 664 872
growth/decline: +17.2%
Number of active clients
224 750
growth/decline: +1.7%
PAR>30 days + restructured, KZT 000’s
2 692 216
share: 267%
Number of female clients
135 677
share: 60%
Number of clients from rural areas
148 841
share: 66%
Number of employees
1731
Number of credit employees
910
share: 53%
As of 1 April 2018
NOTE: USD/KZT exchange rate as of 1 April 2018: $1 = KZT 318.31
Gross Loan Portfolio, KZT 000’s
93 861 236
growth/decline: +7.2%
Number of active clients
221 850
growth/decline: +0.4%
PAR>30 days + restructured, KZT 000’s
2 501 007
share: 2.7%
Number of female clients
135 623
share: 61%
Number of clients from rural areas
146 865
share: 66%
Number of employees
1720
Number of credit employees
906
share: 53%
As of 1 January 2018
NOTE: USD/KZT exchange rate as of 1 January 2018: $1 = KZT 332.33
Gross Loan Portfolio, KZT 000’s
87 584 168
growth/decline: +70.1%
Number of active clients
220 903
growth/decline: +20.5%
PAR>30 days + restructured, KZT 000’s
1 087 254
share: 2.4%
Number of female clients
137 454
share: 62%
Number of clients from rural areas
144 984
share: 66%
Number of employees
1 693
Number of credit employees
831
share: 49%
As of 1 October 2017
NOTE: USD/KZT exchange rate as of 1 October 2017: $1 = KZT 341.19
Gross Loan Portfolio, KZT 000’s
81 762 435
growth/decline: +58.8%
Number of active clients
211 736
growth/decline: +15.5%
PAR>30 days + restructured, KZT 000’s
1 760 094
share: 2.2%
Number of female clients
132 367
share: 63%
Number of clients from rural areas
151 789
share: 72%
Number of employees
1 709
Number of credit employees
850
share: 50%
As of 1 July 2017
NOTE: USD/KZT exchange rate as of 1 July 2017: $1 = KZT 322.27
Gross Loan Portfolio, KZT 000’s
70 293 051
growth/decline: +36.5%
Number of active clients
200 877
growth/decline: +9.6%
PAR>30 days + restructured, KZT 000’s
1 558 001
share: 2.2%
Number of female clients
125 451
share: 62%
Number of clients from rural areas
143 281
share: 71%
Number of employees
1 757
Number of credit employees
874
share: 50%
As of 1 April 2017
NOTE: USD/KZT exchange rate as of 1 April 2017: $1 = KZT 313.73
Gross Loan Portfolio, KZT 000’s
57 904 265
growth/decline: +12.46%
Number of active clients
190 879
growth/decline: +4.12%
PAR>30 days + restructured, KZT 000’s
1 458 110
share: 2.52%
Number of female clients
120 452
share: 63%
Number of clients from rural areas
138 020
share: 72%
Number of employees
1 731
Number of credit employees
866
share: 50%
As of 1 January 2017
NOTE: USD/KZT exchange rate as of 1 January 2016: $1 = KZT 333.29
Gross Loan Portfolio, KZT 000’s
51 488 867
growth/decline: +48.21%
Number of active clients
183 331
growth/decline: +20.69%
PAR>30 days + restructured, KZT 000’s
1 247 376
share: 2.42%
Number of female clients
117 032
share: 64%
Number of clients from rural areas
129 822
share: 71%
Number of employees
1 536
Number of credit employees
804
share: 52%
As of 1 October 2016
NOTE: USD/KZT exchange rate as of 1 October 2016: $1 = KZT 335.46
Gross Loan Portfolio, KZT 000’s
47 468 824
growth/decline: +36.63%
Number of active clients
174 423
growth/decline: +14.82%
PAR>30 days + restructured, KZT 000’s
1 174 772
share: 2.47%
Number of female clients
111 319
share: 64%
Number of clients from rural areas
122 224
share: 70%
Number of employees
1 514
Number of credit employees
786
share: 52%
As of 1 July 2016
NOTE: USD/KZT exchange rate as of 1 April 2016: $1 = KZT 338.66
Gross Loan Portfolio, KZT 000’s
41 034 435
growth/decline: +18.11%
Number of active clients
163 971
growth/decline: +7.94%
PAR>30 days + restructured, KZT 000’s
1 111 075
share: 2.71%
Number of female clients
104 038
share: 63%
Number of clients from rural areas
113 713
share: 69%
Number of employees
1 475
Number of credit employees
770
share: 52%
As of 1 April 2016
NOTE: USD/KZT exchange rate as of 1 April 2016: $1 = KZT 343.62
Gross Loan Portfolio, KZT 000’s
36 648 315
growth/decline: +5.49%
Number of active clients
156 714
growth/decline: +3.17%
PAR>30 days + restructured, KZT 000’s
1 088 519
share: 2.97%
Number of female clients
100 039
share: 64%
Number of clients from rural areas
109 084
share: 70%
Number of employees
1 393
Number of credit employees
695
share: 50%
As of 1 January 2016
NOTE: USD/KZT exchange rate as of 1 January 2016: $1 = KZT 340.01
Gross Loan Portfolio, KZT 000’s
34 741 614
growth/decline: +23.95%
Number of active clients
151 904
growth/decline: +17.98%
PAR>30 days + restructured, KZT 000’s
842 609
share: 2.43%
Number of female clients
98 235
share: 65%
Number of clients from rural areas
105 817
share: 70%
Number of employees
1 397
Number of credit employees
691
share: 49%
As of 1 October 2015
NOTE: USD/KZT exchange rate as of 1 October 2015: $1 = KZT 270.89
Gross Loan Portfolio, KZT 000’s
32 623 814
growth/decline: +16.40%
Number of active clients
144 730
growth/decline: +12.41%
PAR>30 days + restructured, KZT 000’s
738 443
share: 2.43%
Number of female clients
94 089
share: 65%
Number of clients from rural areas
98 664
share: 68%
Number of employees
1 411
Number of credit employees
710
share: 50%
As of 1 July 2015
NOTE: USD/KZT exchange rate as of 1 July 2015: $1 = KZT 186.20
Gross Loan Portfolio, KZT 000’s
29 768 005
growth/decline: +6.21%
Number of active clients
138 489
growth/decline: +7.56%
PAR>30 days + restructured, KZT 000’s
738 176
share: 2.48%
Number of female clients
89 850
share: 65%
Number of clients from rural areas
92 700
share: 67%
Number of employees
1 343
Number of credit employees
664
share: 49%
As of 1 April 2015
NOTE: USD/KZT exchange rate as of 1 April 2015: $1 = KZT 185.65
Gross Loan Portfolio, KZT 000’s
29 054 062
growth/decline: +3.66%
Number of active clients
135 597
growth/decline: +5.31%
PAR>30 days + restructured, KZT 000’s
582 064
share: 2.00%
Number of female clients
89 396
share: 66%
Number of clients from rural areas
89 998
share: 66%
Number of employees
1 311
Number of credit employees
661
share: 50%
As of 1 January 2015
NOTE: USD/KZT exchange rate as of 1 January 2015: $1 = KZT 182.35
Gross Loan Portfolio, KZT 000’s
28 028 145
growth/decline: +55.58%
Number of active clients
128 757
growth/decline: +30.89%
PAR>30 days + restructured, KZT 000’s
373 299
share: 1.33%
Number of female clients
86 455
share: 67%
Number of clients from rural areas
84 699
share: 66%
Number of employees
1 252
Number of credit employees
625
share: 50%
As of 1 October 2014
NOTE: Note: USD/KZT exchange rate as of 1 October 2014: $1 = KZT 181.90
Gross Loan Portfolio, KZT 000’s
25 487 422
growth/decline: +41.48%
Number of active clients
119 944
growth/decline: +18.36%
PAR>30 days + restructured, KZT 000’s
350 980
share: 1.38%
Number of female clients
80 931
share: 67%
Number of clients from rural areas
78 287
share: 65%
Number of employees
1 239
Number of credit employees
617
share: 50%
As of 1 August 2014
NOTE: USD/KZT exchange rate as of 1 August 2014: $1 = KZT 183.28
Gross Loan Portfolio, KZT 000’s
21 897 261
growth/decline: +21.55%
Number of active clients
111 612
growth/decline: +13.46%
PAR>30 days + restructured, KZT 000’s
329 624
share: 1.51%
Number of female clients
75 428
share: 68%
Number of clients from rural areas
76 377
share: 68%
Number of employees
1 230
Number of credit employees
611
share: 50%
As of 1 April 2014
NOTE: USD/KZT exchange rate as of 1 April 2014: $1 = KZT 182.06
Gross Loan Portfolio, KZT 000’s
19 315 258
growth/decline: +7.22%
Number of active clients
104 549
growth/decline: +6.28%
PAR>30 days + restructured, KZT 000’s
313 637
share: 1.62%
Number of female clients
71 936
share: 69%
Number of clients from rural areas
71 036
share: 68%
Number of employees
1 216
Number of credit employees
610
share: 50%
As of 1 January 2014
NOTE: Note: USD/KZT exchange rate as of 1 January 2014: $1 = KZT 154.06
Gross Loan Portfolio, KZT 000’s
18 014 800
growth/decline: +44.49%
Number of active clients
98 374
growth/decline: +33.57%
PAR>30 days + restructured, KZT 000’s
275 543
share: 1.53%
Number of female clients
69 089
share: 70%
Number of clients from rural areas
66 323
share: 67%
Number of employees
1 147
Number of credit employees
571
share: 50%
As of 1 October 2013
NOTE: USD/KZT exchange rate as of 1 October 2013: $1 = KZT 153.81
Gross Loan Portfolio, KZT 000’s
16 002 321
growth/decline: +28.35%
Number of active clients
88 851
growth/decline: +20.64%
PAR>30 days + restructured, KZT 000’s
217 844
share: 1.36%
Number of female clients
62 616
share: 71%
Number of clients from rural areas
62 101
share: 70%
Number of employees
1 082
Number of credit employees
553
share: 50%
As of 1 July 2013
NOTE: USD/KZT exchange rate as of 1 July 2013: $1 = KZT 151.65
Gross Loan Portfolio, KZT 000’s
14 080 558
growth/decline: +12.93%
Number of active clients
81 989
growth/decline: +11.32%
PAR>30 days + restructured, KZT 000’s
208 363
share: 1.48%
Number of female clients
57 730
share: 70%
Number of clients from rural areas
57 693
share: 70%
Number of employees
1 021
Number of credit employees
614
share: 50%
As of 1 April 2013
NOTE: USD/KZT exchange rate as of 1 April 2013: $1 = KZT 150.84
Gross Loan Portfolio, KZT 000’s
12 467 774
growth/decline: ~0%
Number of active clients
76 283
growth/decline: +3.57%
PAR>30 days + restructured, KZT 000’s
189 083
share: 1.5%
Number of female clients
54 434
share: 71%
Number of clients from rural areas
57 306
share: 75%
Number of employees
941
Number of credit employees
481
share: 51%
