ATF Bank JSC

Joint Stock Company «ATFBank» was established in June, 1995, with the CJSC "Almaty Trade-Financial bank" as it was registered by the National Bank of RK. At the same year, ATFBank obtained the General license of NB of RK №59 for conducting operations in tenge and foreign currency, provided for by the Banking legislation of Kazakhstan. The Open Join Stock company «Almaty Trade-Financial bank” has been registered in 2001, and the Open Join Stock company "ATFBank" - in June, 2002. In October, 2003 the bank was reregistered to JSC «ATFBank» Key historical milestones: November, 2007 Bank Austria- Creditanstalt (ВА-СА), UniCredit Group division (UniCredit Group) for commercial banking operations in Central and Eastern Europe, completed the process of acquisition of 91,8% of total issued share capital of JSC «ATFBank». Approximate price of the transaction amounted to 2,117 million USD (about 1,452 million Euro at the current rate of exchange). June, 2007 On June 21, 2007, the Bank Austria-Creditanstalt AG (UniCredit Group division for commercial and banking operations in Central and Eastern Europe), and private shareholders of JSC "ATFBank" signed the ATFBank Majority stake buy-out Agreement. November, 2006 Leading world financial magazine «EUROMONEY» awarded “The Bank best-in-corporate governance among developing countries of Europe” rank to ATFBank. October, 2006 ATFBank signed a Syndicated Loan Agreement to the amount of 550 million US dollars, with a number of international financial institutions. May, 2006 JSC «ATFBank» has successfully completed a Eurobond transaction to the amount of 350 million US dollars, with the maturity term in 2016. April, 2006 JSC «ATFBank» and the Agency of the Republic of Kazakhstan on Regulation and Supervision of Financial Market and Financial Organizations have signed the Memorandum of Cooperation and Interaction on the issues of increasing transparency of the ATFBank activity. March, 2006 National Consumers League of Kazakhstan, based on the results of work in 2005, awarded the People’s Mark of Quality "Irreproachable" and the Certificate “for the promotion of small and medium business development in Kazakhstan” to ATFBank – the member of the Association of irreproachable business undertakings of Kazakhstan. November, 2005 Leading world financial magazine «EUROMONEY» recognized the ATFBank as the leading financial institution of the Republic of Kazakhstan in the area of corporate governance and the best bank for the small and medium business in Kazakhstan. November, 2005 According to issued authorization of the Central Bank of Russian Federation and the Agency of the Republic of Kazakhstan on Regulation and Supervision of Financial Market and Financial Organizations, an Agreement on acquisition of 100 % “Sibir” Bank’s shares by ATFBank is signed between JSC «ATFBank» and the shareholders of CJSC Experimental design office «Sibir» (Russian Federation). As part of this agreement, the ATFBank and “Sibir” Bank executives met with Mr. Polezhaev L.K., the Governor of the Omsk Region. October, 2005 JSC «ATFBank» has successfully completed the Eurobond transaction to the amount of 200 million US dollars, for a term of 5 years, coupon rate being 8.125% per annum. October 2005 Official Representative office of JSC “ATFBank” is opened in Moscow (Russian Federation). According to the issued Authorization of the Agency of the Republic of Kazakhstan on Regulation and Supervision of Financial Market and Financial Organizations and the Central Bank of the Russian Federation. October 2005 Vice chairman of the executive board of JSC «ATFBank», Mr. Beysengaliev B.T., based on the ATFBank Board decision, on October 1, 2005 shall proceed with the work in the bank office in Astana city. With intent to enhance the work on the development of cooperation and mutual relations with governmental machinery and other governmental authorities as well as with indigenous companies and VIP-corporate customers, and also in order to raise operational efficiency in the resolution of the issues related to the branches and Bank “subsidiaries” activities coordination. September, 2005 In accordance with current legislation of the Kyrgyz Republic, the transactions on acquisition in total of 72,92% of shares of OJSC «Energobank» (the Kyrgyz Republic) by ATFBank have been effected, wherefore there were all necessary approvals from banking supervisory authorities of both countries obtained. June, 2005 ATFBank commemorated the first tenth anniversary from the date of the establishment. The anniversary was celebrated in the regional representative offices of the bank. The concerts in Astana and Almaty became the culmination, where Igor Nikolaev, maestro of Russian pop music, legendary group «Mashina vremeni » and the youth’s idol Glukoza gave the performance. June, 2005 JSC «ATFBank» and TEMENOS Group (SWX: TEMN) signed a contract providing that ATFBank will enjoy services of TEMENOS T24, a standard-bearer of modular software, in the bank head office in 18 branches and 13 Limited Service Branches (RKO) of ATFBank. April, 2005 The Memorandum of mutual cooperation was signed between JSC «ATFBank» and JSC «Kazakh Economic University named after Turar Ryskulov». The major objective of the signed Memorandum is the expansion of relations between financial and educational institutions of the country. March, 2005 The Memorandum “of delegation of authority to ATFBank to perform an independent management of the small and medium business lending process within the framework of implementation of special technical Program” was signed between EBRD and JSC «ATFBank». January, 2005 Loan Agreement signed between JSC «ATFBank», JSC «ATF Leasing» and the European Bank for Reconstruction and Development to the amount of 10 million US dollars for the purpose of provision of financing to the customers of the Bank and ATF Leasing, for the acquisition and leasing of agricultural equipment. January, 2005 Loan Agreement signed between JSC «ATFBank» and the European Bank for Reconstruction and Development to the amount of 10 million US dollars, for administration of subloans to the agricultural producers on the security of payment vouchers. November, 2004 Management of JSC «ATFBank» presented a fresh approach to the conduct of business and proposed a new corporate identity of leading financial institution of the country: «ATFBank – the Bank for steady growth!» November, 2004 A press conference devoted to the issue of international bonds to the amount of 200 million US dollars by JSC “ATFBank” was held in the National Press-club. October, 2004 ATFBank attracted the next syndicated loan which total amount made $75 mln. This syndicated loan is granted for a term of a year, moreover it will be a prolongation of the loan participation for amount of $62 mon. attracted earlier. July, 2004 According to the law «On loan office and generation of credit history», the first loan office is established in Kazakhstan. JSC “ATF Bank” was one of the founders of LLP «Pervoe kreditnoe buro». July, 2004 ATFBank signed a Syndicated Loan Agreement to the amount of 50 mln. US dollars for a term of 18 months. The loan was organized by Standard Bank London Limited, which is also an exclusive agent in this loan. July, 2004 There was a general extraordinary meeting of shareholders of JSC “ATFBank” held. By the decision of the extraordinary general meeting of shareholders of JSC “ATFBank” the authority of previous Board of Directors structure is terminated before its term ends, and the new 5 persons structure is elected comprising of: Isataev Timur Rizabekovich, Mukhambetov Marat Meyrmanovich, Smagulov Nurlan Erkebulanovich, Svyatov Serik Amanzholovich, Bergaliev Timur Maksutovich. July, 2004 On July14, 2004 a press conference was held in the National Press-club. The subjects of the press conference were as follows: «Closing the transaction on acquisition by ATFBank of 34,4% of shares of OJSC «Energobank» (the Kyrgyz Republic)» and «Assets of ATFBank exceeded 1billion USD». May, 2004 Kazakh stock exchange included the international bonds of JSC «ATFBank» of an initial emission into KASE official list of securities of "А" category. At the KASE, the ATFBe1 trade code was assigned to the bonds. April, 2004 ATFBank became one of the principal shareholders of the «Open pension savings fund «Otan»». April, 2004 The bank placed an opening euroissue of $100 mln. total amount at the international capital markets. There was a coupon provided in amount of 8,5% per annum for the bonds issued according to the Rule "S" (without right of sale to the institutional investors of USA). ING bank was acting as the sole initiator and underwriter of this transaction. April, 2004 Rating agency “Moody's” raised the long-term deposit rating of ATFBank up to Ba1 level with the "stable" forecast. March, 2004 ATFBank obtained a new License of the National Bank of the Republic of Kazakhstan № 239 as of 01 March 2004, for the conducting an operations provided for by banking legislation in national and foreign currency. February, 2004 An extraordinary general meeting of shareholders was accomplished. The vote returns at the extraordinary general meeting of shareholders regarding the Agenda: «Issue of Global Depositary Receipts (GDR)». The voting result: - unanimously. February, 2004 The financial audit of consolidated accounting balance sheet of the bank and all subsidiary enterprises completed. Independent audit was carried out by «Ernst and Yang Kazakhstan». February, 2004 Branch of the bank in Almaty passed the procedure of reregistration with judicial authorities. February, 2004 Branches of the bank in Aksay and Aktau passed the reregistration with judicial authorities. February, 2004 Branches of the bank in Kostanay, Rudniy and Lisakovsk passed the procedure of reregistration with judicial authorities. January, 2004 Branches of the bank in Ust-Kamenogorsk, Pavlodar, Astana, Karaganda and Aktobe passed the procedure of reregistration with judicial authorities. January, 2004 Branch of the bank in Atyrau passed the reregistration with judicial authorities. January, 2004 ATFBank declares of the introduction of new service – program «Partner» to be carried out jointly with the Insurance Company «ATF – POLIS» and Pension Fund «OTAN». The program «Partner» serves to increase the quality of customer servicing. January, 2004 ATFBank made payment of a semi-annual coupon remuneration under the second issue of registered coupon subordinated bonds, equal to 450 000 (four hundred fifty thousand) US dollars at the weighted average rate of CJSC «Kazakh stock exchange» lumping together in the amount of 142,91 tenge per US dollar as of 05.01.2004. December, 2003 Financial institutions of Germany and Holland granted credit to ATFBank for the amount of $10 mln. The bank signed a Loan Agreement with the state investment company of Germany “Deutsche Investitions - und Entwicklungsgesellschaft GmbH” (DEG) and the National development bank of Holland “Nederlandse Financierings -Maatschappij voor Ontwikkelingslanden N.V.” (FMO), to the amount of $10 mln.(by $5 mln from each creditor). The loan is granted to the bank for 5 years, at that, the Kazakh bank has a two-year grace period under the terms of the credit. December, 2003 There have been the amendments to the Articles of association of JSC “ATFBank” registered with the Ministry of Justice of the Republic of Kazakhstan, with regard to the increase of authorized capital up to 11.590.761.000,00 tenge. December, 2003 As from December 11, 2003 the ATFBank introduced a new service for Gold, Visa Business, Visa Classic, Visa Electron card holders. The new service allows obtaining data regarding the card account balance, through a cash machine while the card holder stays abroad. December, 2003 With reference of the reregistration conducted by JSC «ATFBank», the License of the National Bank of the Republic of Kazakhstan № 239 as of 08.12.2003 is obtained for conducting an operations provided for by the banking legislation in tenge and foreding currency. November, 2003 The bank attracted the next syndicated loan of total amount $62 mln. 25 foreign banks took part in the syndicate. The arranger of a loan was the Dutch ABN AMRO Bank. The Loan is granted for a term of a year, with the possibility of further prolongation for the same period. October, 2003 The bank, in cooperation with Kazakh franchising association for the first time ever in Kazakhstan, proceeded with the implementation of the financing program for acquisition of brands of the well-known world companies by local manufacturers. October, 2003 There has been the state reregistration of JSC “ATFBank” accomplished. September, 2003 ATFBank attracts a syndicated loan for total amount of $50mln. The arranger of a loan was the Dutch ABN AMRO Bank. June, 2003 ATFBank has attracted a syndicated loan for total amount of $30 mln. The Loan is granted for the term of one year at LIBOR rate + 2,7 %. 18 major banks and investment companies from different countries of the world took part in the extension of a loan. The arranger and the Agent of the loan was: ING BANK N.V. LONDON. June, 2003 Opening the new building of ATFBank in Almaty. June, 2003 Opening of a branch office in Aktobe. March, 2003 ATFBank declared of the 2,4 increase of authorized capital, from 3,1 billion tenge to 7,6 billion tenge. March, 2003 JSC "ATFBank" incorporated the JSC "The bank subsidiary of open joint-stock company "ATFBank" Bank Apogey ". February, 2003 The consent has been carried to the opening of a branch office in Aktobe from the National Bank of RK. October, 2002 ATFBank attracted the next syndicated loan totaling $40 mln. In greater detail: The granted loan is twice as much by volume and period and with less margin, as compared to the first loan participation that has been attracted by the bank the year before. The new syndicated loan is granted for a term of one year with the possibility of the prolongation for a further half-year. The rate of the loan attraction made LIBOR + 2,9 October, 2002 ATFBank repaid the syndicated loan, in full and when due, totaling $26,5 mln. attracted in 2001. September, 2002 ATFBank signed the Memorandums of Cooperation with the authorities of Atyrauskaya, Aktyubinskaya, Mangistauskaya (all on the west of the Republic) and West-Kazakhstan oblasts. June, 2002 Change of the name of the Bank from the Open Joint Stock Company "Almaty Trade-Financial Bank " to the Open Joint Stock Company "ATFBank". Июнь 2002 The bank got the profit in the amount of more than 231,7 mln. tenge summarizing the results of the first quarter of the current year. March, 2002 Acquisition of 88,15% of shares of the Bank «Apogey». March, 2002 Increase in shareholders' equity of the Bank to 5,9 billion tenge from about 4,5 billion tenge, at the beginning of 2002, due to the offering the subordinated second issue bonds. February, 2002 Start of issue of virtual cards VISA Virtuon. January, 2002 Almaty Trade-Financial bank became one of the shareholders of the "People's Savings Bank of Kazakhstan ". January, 2002 Opening of the Limited Service Branch №2 in Astana. December, 2001 Registration of the second issue domestic bonds of USD 10 000 000 volume. December, 2001 Registration of the seventh equity issue to the amount of 1088 mln. tenge. December, 2001 The state registration was made as to the consolidation of JSC “Kazprombank” to Almaty Trade-Financial bank. October, 2001 Repayment of principal amount and payment of remuneration under registered coupon bonds issued in October, 2000, to the amount of USD 5 000 000. September, 2001 Attraction of syndicated loan to the amount of USD 20 000 000, the arrangers of which were Raiffeisen Zentralbank and Deutsche Bank. September, 2001 Opening of the Limited Service Branch №2 in Almaty. June, 2001 Successful placing of the bank’s preferred shares of the sixth issue to the amount of 400 mln. tenge. May, 2001 Opening of the branch of the bank in Aksay (West-Kazakhstan oblast). April, 2001 Taraz Limited Service Branch was reorganized in the Branch in Taraz. April, 2001 Change of the type of the company: the Bank became the Open Joint Stock Company "Almaty Trade-Financial bank ". October, 2000 Successful placing of the registered coupon bonds of the first issue of USD 5 000 000 volume. July, 2000 Opening of the Branch in Almaty. December, 1999 Start of issue of payment cards of the International Payment Systems VISA-International and local card Altyn with own logo. September, 1999 Starting the express money orders service, on the instructions of natural persons without opening of banking accounts, in 170 countries of the world in partnership with the company “Western Union” (USA). September, 1999 Opening of the Limited Service Branch in Taraz. May, 1999 Opening of the Branch in Pavlodar. March, 1999 Starting the issue of the international payment cards VISA-Classic, VISA-Gold and VISA-Business with own logo. December, 1998 Almaty Trade-Financial Bank is approved as the financial operator of German credit line (Kreditanstalt fur Wiederaufbau - KfW), to the extent of the Intergovernmental financial cooperation of Germany with the Republic of Kazakhstan. November, 1998 Starting the sale of gold bullions by weight of 10 и 20 g with own logo, for the first time ever in Kazakhstan to all the wishing to. August, 1998 Opening of the Branch in Atyrau. June, 1998 Opening of the Branch in Astana. May, 1998 Starting the credit activities of the small and medium business enterprises to the extent of cooperation with the European Bank for Reconstruction and Development. May, 1998 Opening of the Limited Service Branch in Almaty. April, 1998 Opening of the Branch in Kostanay. January, 1998 Opening of the Branch in Shymkent. October, 1997 Opening of the Branch in Ust-Kamenogorsk May, 1997 Under the decision of the National Bank of RK the Almaty Trade-Financial Bank is included into the first group of banks operating in accordance with international standards. March, 1997 The Limited Service Branch was opened in urban-type settlements Kulsary, Atyrauskaya oblast. February, 1997 Opening of the Branch in Karaganda. November, 1996 Almaty Trade-Financial Bank started service of the payment cards Visa, EuroCard/MasterCard, Diners Club, JCB, American Express. November, 1995 CJSC "Almaty Trade-Financial Bank" obtained the General Licence of NB of RK №59 for the conduct of operations in tenge and foreign currency, provided for by the banking legislation of Kazakstan. June, 1995 The registration of CJSC "Almaty Trade-Financial Bank" by the National Bank of RK.

Address: 100 Furmanov Str, 050000 Almaty, Kazakhstan

Phone: +7 727 258 30 00
FAX: +7 727 258 31 1