Как говорится, есть ложь, есть наглая ложь, а есть пиар))
Из ссылки выше следует, что агентство Фитч ПОНИЗИЛО индивидуальный рейтинг каспи банка. И именно так должен писать в своем релизе банк, если он честен со своими клиентами. А то, что там написано сейчас - это, мягко говоря, лукавство.
Уважаемый Zed's death,
Вы можете посмотреть пресс релиз Fitch в оригинале. IDR рейтинг подтвержден, IR рейтинг понижен для приведения в соответсвие с рейтингами других ведущих банков.
В пресс релиза банка, приведен текст непосредсвенно из пресс релиза Fitch Ratings и комментарии со стороны банка. Никто не спорит, что ситауция на рынках сложная, но все таки маленькие успехи, дают возможность с вдохновлением продолжать работать. Трудно не согласиться с тем фактом, наше рейтинг не может быть выше рейтинга более крупных системообразующих банков. До приведения в соответсвие, наш рейтинг был выше рейтинга например Халыка, БЦК и АТФ, т.е. на уровне D, когда у этих банков был D/E.
Посылаю вам текст пресс релиз Fitch в оригинале на английском языке.
Fitch Affirms Kazakhstan's Kaspi Bank at 'B'; Outlook Negative
11 Jun 2009 10:10 AM (EDT)
Fitch Ratings-London/Moscow-11 June 2009: Fitch Ratings has today affirmed Kazakhstan-based Kaspi Bank's (Kaspi) Long-term Issuer Default Rating (IDR) at 'B' with a Negative Outlook. At the same time, Fitch has downgraded Kaspi's Individual Rating to 'D/E' from 'D'. A full rating breakdown is provided at the end of this comment.
The affirmation of Kaspi's Long-term IDR reflects the somewhat less high risk profile of the bank's loan portfolio, relative to other Kazakh banks, in particular the comparatively low proportions of real estate/construction and foreign currency lending. It also factors in the bank's reasonable consolidated capital ratios, which provide meaningful loss absorption capacity, and its currently comfortable liquidity profile, which is predominantly supported by customer funding. These positive factors mitigate the bank's deteriorating credit metrics and the challenging operating environment.
"Kaspi Bank's relatively low reliance on wholesale funding represents an important rating strength and provides flexibility to navigate the sector's difficulties," says Maxim Miller, Associate Director at Fitch Ratings' Financial Institutions group. "Despite the difficult operating environment in Kazakhstan, Kaspi has managed to expand its deposit base through the ongoing financial crisis."
The Negative Outlook has meanwhile been maintained as reported loan arrears have continued to increase. Credit problems have continued to stem from both the small- and medium-sized enterprise (SME) and retail portfolios, which resulted in a 30% spike in non-performing loans (NPLs - defined as loans overdue by 90 days or more) during Q109 to 4.8% of the portfolio, according to management accounts under IFRS. Although net charge-offs dropped to nearly zero for Q109 (compared with the 1.3% quarterly average for 2008), the trend in NPLs combined with the increasing share of restructured loans and 30-day overdues (which increased to 9.2% of the portfolio at end-Q109), underline the ongoing potential for a further deterioration in the book.
Kaspi is reasonably well capitalized on a consolidated basis, with a total capital adequacy ratio (CAR) and Tier I CAR under Basel I of 25.5% and 21.2%, respectively, as of end-2008. Regulatory capital ratios are considerably lower because of higher risk weights on some assets, although these have been relaxed somewhat from April 2009. The ratios are also lower because regulatory ratios are based on unconsolidated accounts and do not reflect capital held by Kaspi's fully-owned insurance company subsidiary, which primarily insures risks associated with the bank's consumer lending. As a result, the regulatory capital ratios K1 (tier 1 capital/total assets) and K2 (total capital/risk weighted assets) were 9.4% and 14.5%, respectively, as of end-April'09. although Fitch estimates that capital equal to a further 3.5% of the bank's risk weighted assets was held at the insurance company level.
The downgrade of Kaspi's Individual Rating to 'D/E' brings the rating into line with the Individual ratings of other somewhat less high-risk Kazakh banks - in particular Halyk ('B+'/Negative Outlook; Individual 'D/E') and Bank CenterCredit ('B'/Evolving Outlook; Individual 'D/E') - and takes into account the heightened asset quality risks and greater pressure on capital which Kaspi has faced, along with its peers, due to the deteriorating operating environment.
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