Murat Koshenov, Deputy CEO, Finance, Subsidiaries and International Activities:
On your question regarding dividend payout, again, it's probably a bit premature to discuss what the decision might
be taken next year. Normally, we - actually, our Board of Directors making recommendation on dividend payout after
the full year results, and we translate that normally in the month of March. But probably what I can say is that we
expected dividend payout of recent years, even during 2020 during 2022, both years was very unusual, if I may say.
The dividend payout was varying due to, again, external situation. So we would look on the normal things like what are
the prospects for growth? What are the risk environment, what is the current state of capital adequacy at the time of
making decision. So it's normal questions on which we'll need to answer to ourselves before making that decision, and
we'll announce that in the month of March
Murat Koshenov, Deputy CEO, Finance, Subsidiaries and International Activities:
Olga, thank you for your question. Let's answer one by one. Regarding your question on dividend payouts, yes, indeed,
we have this desired minimum 17% Tier 1 capital in our policy. So basically, we do not want our Tier 1 to drop below
17%. In the results as of 1st of October, that was pre-dividend payout. And dividend payout itself roughly have an
impact of 1.2 percentage points, but it doesn't take into account that the continuous capital accumulation due to
ongoing operations of the bank because we continue to show profitability. So the net effect as of fourth quarter might
be different because we continue to hopefully generate good profits.
With regards to next year, I think I already answered, so we'll be looking at different positions like risks, what are the
current capital position at the time of decision, what are the prospects of profitability and opportunities in the market.
Murat Koshenov, Deputy CEO, Finance, Subsidiaries and International Activities:
No, we are not planning additional 30% payment for this year. So there is no more dividend further payment is
anticipated this year. And decisions for 2022 results would be made after we would close full year results, and we
expect the Board would make its recommendation in March next year.
insgesamt sehr positiver Call mit Ausblick auf Wachstum und Gewinn
Dieses Jahr also ca. 10% Dividende Rendite bei nur 30% Ausschüttung
da ist noch viel Luft nach Norden
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