ABOUT US
Investor Relations
Welcome to our
investors website
Bank RBK is one of Kazakhstan's leading financial institutions — 15 branches nationwide, serving individuals and corporates.
15
Branches
BB
Fitch rating
Ba2
Moody's rating
Who we are
About Bank RBK
26
Branches
13
Regions
34K
Corporate & SME clients
900K
Retail customers
BB
Fitch IDR
Ba2
Moody's
Bank RBK History
Bank RBK ranks among the top 10 banks in terms of assets as of January 1, 2026. The bank holds a 4% share of the total Kazakh banking system's assets and 3.9% of total deposits as of the same date.
Bank RBK provides a full range of financial services to corporate, SME, and retail clients. The bank has an extensive branch network, with 26 branches across 13 regions of Kazakhstan. It serves approximately 34,000 corporate and SME clients, along with around 900,000 retail customers.
Financial Highlights
Bank RBK Balance Sheet — key financials, mln USD
2025 balance sheet changes:
- Assets: +USD 527 mln (+11%)
- Loan Portfolio: +USD 839 mln (+40%)
- Loans-to-Deposit ratio: 63% → 76%
- Client funds: +USD 540 mln (+16%)
- Capital: +USD 79 mln (+19%)
Balance sheet structure:
Assets: Liquid assets constitute 40–50% of total assets.
Liabilities: Client funds 80–90% of total liabilities.
Liabilities: Client funds 80–90% of total liabilities.
Assets structure, %
Liabilities structure, %
Loan Portfolio
High quality of loan portfolio (gross)
01.01.2024
Loans: USD 2,467 mln · Prov: USD 108 mln
■ Corporate: 1,249 (51%)
■ Retail: 789 (32%)
■ SME: 318 (13%)
■ Stage3+POCI: 110 (4.5%)
■ Retail: 789 (32%)
■ SME: 318 (13%)
■ Stage3+POCI: 110 (4.5%)
01.01.2025 −15%
Loans: USD 2,101 mln · Prov: USD 121 mln
■ Corporate: 814 (39%)
■ Retail: 895 (43%)
■ SME: 289 (14%)
■ Stage3+POCI: 102 (4.9%)
■ Retail: 895 (43%)
■ SME: 289 (14%)
■ Stage3+POCI: 102 (4.9%)
01.01.2026 +47%
Loans: USD 3,085 mln · Prov: USD 166 mln
■ Corporate: 1,123 (37%)
■ Retail: 1,362 (44%)
■ SME: 434 (14%)
■ Stage3+POCI: 166 (5.4%)
■ Retail: 1,362 (44%)
■ SME: 434 (14%)
■ Stage3+POCI: 166 (5.4%)
In 2025, the loan portfolio increased by USD 984 mln (+47%) ·
Stage 3 + POCI loans increased to 5.4% (NPLs 90+: 4.3%) ·
Stage 3 + POCI loans are 100% provisioned
Liquidity
Liquid Assets
Structure of highly liquid assets (USD mln)
■ Cash & equivalents: 978 (49%)
■ Gov securities KZ: 849 (43%)
■ Other: 158 (8%)
■ Gov securities KZ: 849 (43%)
■ Other: 158 (8%)
As of January 1, 2026, the Bank's share of Liquid Assets: 42% (market average: 37%)
Securities portfolio composition:
- Government securities of the Republic of Kazakhstan: 87.5% (USD 849 mln)
- Blue-chip corporate securities of RK: 8.6% (USD 84 mln)
- US government securities: 3.6% (USD 35 mln)
- Other securities: 0.3% (USD 2 mln)
Profit & Loss
RBK financial highlights: profit and loss (USD mln)
Gross interest income
Net interest income
(before credit loss exp.)
(before credit loss exp.)
Non Credit Income
Profit for the period
Leadership
👤
Bolat Zhamishev
Chairman, Independent Director
👤
Bolatbek Zhainazarov
Member of the Board
👤
Natalya Akantyeva
Member of the Board
👤
Jurgen Rigterink
Independent Director
👤
Dauren Orazayev
Member of the Board
👤
Natalya Akantyeva
Chairperson of the Board
👤
Tokarov Arman
First Deputy Chairman, CRO
👤
Abdugaliyev Yerbol
Deputy Chairman
👤
Ibraimov Symbat
Deputy Chairman
👤
Mukhamedzhanov Aidos
Deputy Chairman
Major Shareholder
84.78%
KSS Finance LLP
An entity owned by Vladimir Kim and the principal shareholder of JSC Bank RBK.
Constituent documents
Articles of Association
Corporate Governance Code
Banking Licence
Reporting
Financial Statements
Annual Audited Financial Statements — FY 2025
Semi-Annual Audit Review — H1 2025
Compliance
KYC Documents
Documents required for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance procedures.
AML Policy
Download Dividend Policy
Download Form W-8BEN-E 2026
Download USA Patriot Act Certificate
Download Wolfsberg Questionnaire
Download Media
News & Press-Releases
15.06.2025
23.04.2025
10.03.2025
28.01.2025
Get in touch
Contacts
IR Department
International Relations Department
+7 (727) xxx-xx-xx (ext. xxxx)
Direct: +7 (727) xxx-xx-xx
Our Contacts
Republic of Kazakhstan, Almaty, Bostandyk District, Republic Square 15, 050013
Monday – Friday, 09:00 – 18:00
Contact Centre
Free (KZ): 8 (800) 080 18 88
Short number: 7888
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