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JSC Kazkommertsbank (JSCD)

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Tuesday 30 April, 2002

JSC Kazkommertsbank

Quarterly Report

JSC Kazkommertsbank
30 April 2002


CONSOLIDATED PROFIT AND LOSS ACCOUNT
FOR THE PERIOD ENDED MARCH 31, 2002
(in KZT and in thousands)

                                                                March 31, 2002

Interest income                                                      5,272,359
Interest expense                                                     2,335,060
Net interest income before provisions for loan losses                2,937,299
Provisions for loan losses                                             865,444

NET INTEREST INCOME                                                  2,071,855

Net gain on sale of securities                                         333,806
Unrealised gain on dealing securities                                   72,001
Net gain on foreign exchange operations                                188,982
Net change in monetary position                                        123,404
Fee and commission income                                            1,134,400
Fee and commission expense                                             253,810
Dividends expense                                                      100,450
Equity income from associated companies                                157,805
Other income                                                           127,469

NET NON-INTEREST INCOME                                              1,783,607

OPERATING INCOME                                                     3,855,462


Operating expenses                                                   1,633,688

INCOME BEFORE PROVISIONS FOR LOSSES ON    
OTHER TRANSACTIONS AND TAXES ON INCOME                               2,221,774

Provisions for losses on other transactions                            122,329

INCOME BEFORE TAXES ON INCOME                                        2,099,445

Taxes on income                                                        255,922

NET INCOME                                                           1,843,523



CONSOLIDATED BALANCE SHEET
AS AT MARCH 31, 2002
(in KZT and in thousands)

                                                                March 31, 2002

ASSETS:

Cash and balances with the National Bank of the Republic 
 of Kazakhstan                                                       7,164,223
Loans and advances to banks, net                                     6,997,308
Dealing securities                                                   8,876,284
Loans to customers, net                                            150,750,061
Securities available-for-sale                                            5,903
Securities held-to-maturity                                            131,858
Investments in associates                                            1,931,759
Fixed assets, net                                                    2,530,863
Intangible assets, net                                                 508,082
Other assets, net                                                    9,675,804

TOTAL ASSETS                                                       188,572,145

LIABILITIES, SHARES CAPITAL AND RESERVE

Loans and advances from banks                                       35,603,656
Customer accounts                                                  107,775,511
Other borrowed funds                                                 5,548,544
Other liabilities                                                    9,065,634
Subordinated debt                                                    2,988,778
Dividends payable to shareholder                                     1,321,708

TOTAL LIABILITIES                                                  162,303,831

COMMITMENTS AND CONTINGENCIES 

SHARE CAPITAL AND RESERVES:
Share capital                                                        3,498,119
Reserves                                                            22,770,195

TOTAL SHARE CAPITAL AND RESERVES                                    26,268,314

TOTAL LIABILITIES, SHARE CAPITAL AND RESERVES                      188,572,145




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