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Who we are?

Who we are?. Abzal Kredit is a company operating for 5 years established in 2003 as one of the first MFCs in Kazakhstan Main activity is to provide collateralized microlending services to legal entities and individuals for business development and consumer needs

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Who we are?

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  1. Who we are? • Abzal Kredit is a company operating for 5 years established in 2003 as one of the first MFCs in Kazakhstan • Main activity is to provide collateralized microlending services to legal entities and individuals for business development and consumer needs • Stuff of 18 people. In August was opened new branch in Almaty. • Currently one of the top 20 MFCs in Kazakhstan with total assets of KZT 236 million (USD 2,0 million) and equity of KZT 47 million (USD 391 thousand) as of 01/07/2008. • IFRS reporting standards for the last three years audited by Almaty Audit • Abzal Kredit is a family owned business with owners and management having extensive banking background in largest banks in Kazakhstan. Note:as of 30.06.08: USD/KZT exchange rate - 120.75 As of 31.08.08: USD/KZT exchange rate – 119,54 Source: National Bank

  2. Mission To contribute to the development of microfinance market in Kazakhstan with sustainable growth while empowering the respected position in the financial sector Strategic Vision • Serving the local community and the natural customer base where the network is present • Personal as well as institutional relationship • Convenience and responsiveness to customer needs

  3. Organization Chart Director Credit Department Accounting Sector Capital Raising Sector Lawyer Head of Credit Department Chief Accountant Security Appraiser

  4. Breakdown by type of collateral 1H2008 (%) Financial Highlights Breakdown of loan portfolio by amount (1H2008) Strong loan portfolio and assets growth KZT’mln Loan maturity profile (1H2008) LTV – 35% (as of 30 June, 2008) Note:as of 30.06.08: USD/KZT exchange rate - 120.75 Source: Company KAS financials

  5. Loan approval process Main parameters of lending Client full package of documents Lawyer Expertise legal opinion Credit manager Documents processing Appraiser Expertise of Pledged property Credit committee Decision making Negative Client notification Positive Loan granted

  6. Liabilities and equity structure Funding mix (1H 2008) Equity structure (1H 2008) Overdue loans KZT’mln • Among investors of Abzal Kredit are foreign and government investment funds as well as local banks. • In September 2008 share capital increased to KZT 100 million (USD 837 thousand). By the end 2009 the company’s share capital expected to grow to KZT200 million (USD1,5 million). • In September company has raised new funding from EDF “DAMU”in the amount of KZT140million (USD 1,2 mln) under government program Source: Company KAS financials Note:as of 30.06.08: USD/KZT exchange rate - 120.75

  7. Return ratios NIM (%) (%) Strong profitability with potential for further improvement Profit evolution KZT’mln Net Income KZT mln) 20,8 Source: Company KAS financials Note:as of 30.06.08: USD/KZT exchange rate - 120.75

  8. Our partners and investors

  9. Almira Akhmetkarimova almira757@gmail.com Abzal-kredit@mail.ru Tel. +7 727 266 4647 Fax +7 727 272 1595 Mob. +7 777 444 9992 117, Furmanov Str. Almaty, Kazakhstan Tel. +7 727 272 6196; +7 727 261 1225 Fax.: +7 727 272 1595 E-mail: abzal-kredit@mail.ru Contact details Kamilya Amantayeva Abzal-kredit@mail.ru akamilya@yandex.ru Tel. +7 727 261 1225 Fax +7 727 272 1595 Mob. +7 701 333 6550

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