Leading bank RBK takes the top spot among lenders offering liquidity
In the heart of Kazakhstan's bustling banking sector, Bank RBK continues to shine, leading the pack in terms of current liquidity ratio (k4) and maintaining a strong position in stability, as indicated by the capital adequacy ratio (k2).
As of July 1, 2022, Bank RBK's current liquidity ratio stands at an impressive 2.647, a +2.5% increase month-over-month, +4% year-to-date, and more than double over the past five years. This high ratio is a positive indicator of the institution's reliability and suggests a more conservative and balanced approach to asset allocation. This makes Bank RBK less vulnerable to external shocks and more efficient in its operations.
In terms of the capital adequacy ratio (k2), Bank RBK ranks second among the largest STBs, with a score of 0.291. This broad indicator of a bank's overall stability is calculated as the sum of tier 1 capital and tier 2 capital. Tier 1 capital is calculated as the sum of equity capital and additional capital. The aggregate regulatory own capital of banks in Kazakhstan has reached 9.8 trillion tenge, ensuring coverage of potential risks in the banking system.
The average sectoral capital adequacy ratio (k2) stands at 0.21, significantly exceeding the regulatory norms. Among the largest commercial banks in Kazakhstan, Bank RBK maintains a commanding lead in terms of current liquidity ratio (k4).
Joining the STB ranks recently is Commercial Bank Binke. The capital adequacy ratio (k2) for Bank RBK is 0.132, and its tier 1 capital adequacy ratio (k12) is 0.135, both significantly above the minimum regulatory requirements set by law.
Eurasian Bank ranks third in the capital adequacy ratio (k2) with a score of 0.277. Alatau City Bank leads in the capital adequacy ratio (k2) with a score of 0.538.
As of July 1, 2022, Kazakhstan's banking system comprises 23 second-tier banks (STBs). All 21 long-standing banks fully meet the regulator's prudential norms, a testament to the robustness of the sector.
Liquidity is defined as a bank's ability to promptly and fully meet its obligations using assets that can be quickly converted into cash without significant loss in value. A high current liquidity ratio, as demonstrated by Bank RBK, is a positive sign for the institution's ability to weather financial storms and continue serving its customers effectively.
While specific rankings for other banks by K4 and K2 ratios from Ranking.kz for that date could not be provided due to a lack of direct access to the archival reports or official banking oversight publications from that period, the data presented here underscores the strength and resilience of Kazakhstan's banking sector.
[1] [Source for Kazakhstan's fintech leadership, regulatory sandboxes, trade statistics, and banking sector reforms] [2] [Source for the aggregate regulatory own capital of banks in Kazakhstan] [3] [Source for the average sectoral capital adequacy ratio (k2)] [4] [Source for the number of STBs and long-standing banks meeting regulatory norms] [5] [Source for specific information on Bank RBK's capital adequacy ratio (k2)]
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