66 418205% 52811528% 3.16% 41612% 26 2515%4233%2015 1.58 1.601.3% 29,090,262,630 0.20 0.100.302014 0.215 8,727 1.60 1.58 1.91 1.94 2.53 0.45 0.45 0.35 0.215 0.30 2011 2012 2013 2014 2015
67 2015 2014 12 31 2015 2014 2015 2014 70,183 59,016 6,211,176 5,322,510 1% 1% (18,318) (13,613) 141,693 147,903 (13%) (9%) 2,624 3,354 97,208 108,501 3% 3% 2,601 2,384 42,245 44,020 6% 5% 4,292 5,107 232,809 215,095 2% 2% 3,600 4,534 113,738 97,373 3% 5% 64,982 60,782 6,838,869 5,935,402 (5,072) (2,504) 783 1,522 18,881 19,966 41,812 39,834 41,267 52,753 (17,251) (13,013) 2,921 2,496 2,381 2,601 4,694 4,137 3,696 2,501 2015 2014
68 5283.16% 36.6% 173 42 125 20142015 2014 KarazhanbasSeram 25 26 KKRED 416 95%
69 25 2015 4 24 4,1681474% 405 3.16%10220 11816%25 14% 6112%248% 2015 2014 % 205,378 164,849 40,529 25% 45,664 51,786 (6,122) (12%) 60,077 71,845 (11,768) (16%) 14,676 17,127 (2,451) (14%) 27,528 29,909 (2,381) (8%) 63,348 66,216 (2,868) (4%) 7% 4% 15% 2015 14% 11% 49% 7% 4% 17% 2014 18% 13% 41%
70 2015 2014 % 131,883 121,078 10,805 9% 48,899 37,620 11,279 30% 211,383 237,189 (25,806) (11%) 171,247 196,652 (25,405) (13%) 27,254 25,796 1,458 6% 12,882 14,741 (1,859) (13%) 24,648 6,237 18,411 295% 6% 2% 51% 2015 31% 12% 59% 2014 30% 9% 79024044% 49920067%437 178 110 2824% 59 56 20626
71 2015 2014 % 2015 2014 % 309 58,937 (58,628) (99%) (25,948) 43,100 (69,048) (160%) (143,528) (107,591) 35,937 33% (177,540) (60,939) 116,601 191% 887,424 564,404 323,020 57% 795,726 516,738 278,988 54% (1,021,956) (653,689) 368,267 56% (965,341) (563,452) 401,889 71% 162,486 59,518 102,968 173% 192,080 56,028 136,052 243% 506,183 264,747 241,436 91% 387,284 123,463 263,821 214% (372,928) (180,174) 192,754 107% (190,918) (50,161) 140,757 281% (26,874) (19,286) 7,588 39% (10,486) (4,637) 5,849 126% (7,890) (22,741) (14,851) (65%) (9,962) (9,962) (100%) (3,206) (7,121) (3,915) (55%) (171) (5,002) (4,831) (97%) 19,267 10,864 8,403 77% (11,408) 38,189 (49,597) (130%) 347,891 337,894 9,997 3% 289,496 253,924 35,572 14% (13,047) (867) (12,180) (1,405%) (7,893) (2,617) (5,276) (202%) 354,111 347,891 6,220 2% 270,195 289,496 (19,301) (7%) 11 3 1 5 12 14 2015 3 1 15 12 5 2014
72 2015 2014 % 13,820 5,046 8,774 174% 12,059 12,257 (198) (2%) 4,937 4,619 318 7% 508 541 (33) (6%) 3,013 642 2,371 370% 11,367 3,540 7,827 221% 45,704 26,645 19,059 72% 30,470 33,590 (3,120) (9%) 76,174 60,235 15,939 26% 309 46 2015 2014 12 31 12 31 % 6,803,309 5,947,831 855,478 14% 2,947,798 2,711,851 235,947 9% 25 1,331,281 834,652 496,629 60% 28 183,740 179,303 4,437 2% 32 165,391 172,100 (6,709) (4%) 24 130,447 133,258 (2,811) (2%) 23 6,140,140 5,372,324 767,816 14% 3,766,848 3,586,508 180,340 5% 40 1,275,421 871,213 404,208 46% 36 449,772 273,126 176,646 65% 42 147,221 218,993 (71,772) (33%) 41 492,902 431,960 60,942 14%
73 59,47868,033 5% 2% 5% 2% 2015 2014 93% 93% 29,4782,3599% 43%3% 2015 2014 12 31 12 31 % 2,115,285 1,991,735 123,550 6% 110,721 86,254 24,467 28% 798,078 702,963 95,115 14% 3,024,084 2,780,952 243,132 9% (76,286) (69,101) 7,185 10% 2,947,798 2,711,851 235,947 9%
74 37,6681,803 5% 61%6% 2015 12 31 2014 12 31 % 1,727,112 1,729,747 (2,635) (0.2%) 1,393,564 1,205,007 188,557 16% 3,120,676 2,934,754 185,922 6% 432,611 464,578 (31,967) (7%) 213,561 187,176 26,385 14% 646,172 651,754 (5,582) (1%) 3,766,848 3,586,508 180,340 5% 2015 12 31 2014 12 31 % 1,339 1,339 100% 42,562 42,798 (236) (1%) 16,521 19,130 (2,609) (14%) 1,282 2,142 (860) (40%) 85,618 75,875 9,743 13% 37,672 32,493 5,179 16% 12,586 85,754 (73,168) (85%) (50,359) (39,199) (11,160) 28% 147,221 218,993 (71,772) (33%)
75 2015 12 31 2014 12 31 % 345,120 169,215 175,905 104% 446 446 100% 5,033 5,054 (21) (0.4%) 4,750 4,750 100% 5,283 3,477 1,806 52% 89,804 95,660 (5,856) (6%) (664) (280) (384) 137% 449,772 273,126 176,646 65% 4,320 4,929
76 (COSO) 2008 (i) (ii)(iii)(iv)(i) (ii) (iii) The asset and liability management committeealco ALCO ALCO ALCO
77 1. ALCO 2015 12 31 (1) 596,993147,221 (2) 449,772 (3) 47,669 (4) 345,121 10,869 21,255 2015 12 31 596,993 47,669 345,121 (1) (2) (3) (4) 2015 12 31 31% 43% 1 12 25 5 20% 6% 2015 12 31 # 34% 2% 16% 6% 18% 12% 12% 1 1
78 2015 12 31 596,993 47,669 (5) 663,169 403,444 90% 12% (5) 2. 47(b) 3. 2015 12 3146 4. 2015 12 31 41(d) 5. 2015 12 31 A A3 2016 3 2
79 39 1. ALCO 47(c)
80 2. 47(d) 3. 4. 5.
81
82