FNbNbfmnBf.

BCC BCC YE2014 Presentation (nonYE2014 Presentation (non--consolidated), April 2015consolidated), April 2015

The Bank At a Glance

Credit RatingCredit Rating LongLongtermterm

Short Short termterm

NationalNationalScaleScale

B+ B kzBBB Stable

B B BB+(kaz) Stable

B2 NP B1.kz Stable

BCC YE2014 Presentation (non-consolidated), April 2015 2

ParentBСС

NBK License № 1.2.25/195/34

Number of Employees

3,967Professional staff

Subsidiaries5 financial

subsidiaries

20 Branches 118 Outlets 675 ATMs

Channels

Total EquityKZT 89,978 MM

ListingsKazakhstan Stock

Exchange The Best Bank 2013 in subsidized and guaranteed loans under “Business Road Map 2020” Program and Best Bank 2014 in subsidized loans under MonotownsDevelopment Program 2012-2020.

Awards and Recognition

Number of Employees

3,967Professional staff

Subsidiaries4

financial subsidiaries

20Branches

118 Outlets

675 ATMs

Key Performance Highlights

Net Interest Margin 4.9% 3.6% 1.3Net Interest Income beforeprovision

45,160 33,326 11,834

Provision for impairment losses (42,204) (25,030) (17,174)Profit before tax (PBT) 5,956 3,603 2,353Profit after tax 4,180 1,802 2,378

BCC YE2014 Presentation (non-consolidated), April 2015 3

KZT MMKZT MM 20142014 2013 2013 Total Assets 1,103,148 1,072,232 30,916

Shareholders’ Equity 69,856 69,856 -

Customers’ Deposits 794,350 797,070 -2,720

Loans and Advances 805,370 755,453 49,917

20142014 2013 2013 Capital Adequacy 14.1% 14.2% -0.1

Loans to Deposit 113.2% 110.7% 2.5

Cost to Income 33.7% 48% -14.3

Profitability

Balance Sheet

Prudential & Performance

Ratios

KZT MMKZT MM 20142014 2013 2013

Income Statement

KZT KZT MM MM Y2014 Y2014 Y2013 Y2013

Interest Interest Income Income 90,797 81,706Interest Interest Expense Expense (45,637) (48,380)Provision for impairment lossesProvision for impairment losses (42,204) (25,030)

Net Net Interest Income Interest Income 2,956 8,296

Net Net NonNon--Interest Income Interest Income 27,438 21,768Operating Operating Income Income 30,394 30,064Operating Operating Expenses Expenses (24,438) (26,461)

Profit Profit Before Tax Before Tax 5,956 3,603

Profit Profit for the Period for the Period 4,180 1,802

BCC YE2014 Presentation (non-consolidated), April 2015 4

Balance Sheet

ASSETS Y2014 Y2013Cash and cash equivalents 112,113 141,513Obligatory reserves 17,136 15,596Due from banks 12,640 5,502Financial assets at fair value through profit or loss 14,813 15,748Investments available-for-sale 53,397 53,659Investments held-to-maturity 7,628 12,345Investments in subsidiaries 25,566 17,343Current income tax 1,009 1,313Deferred income tax assets - 1,106Loans to clients and banks 810,184 759,320Others assets 17,276 24,499Property, equipment and tangible assets 31,386 24,288TOTAL ASSETS 1,103,148 1,072,232LIABILITIES AND EQUITY:

Due to banks and financial institutions 114,171 76,157Customer and bank accounts 804,233 800,199Debt securities issued 30,900 49,544Other liabilities 9,374 8,319Deferred income tax liabilities 237 -Subordinated bonds 54,255 53,120Total Liabilities 1,013,170 987,339EQUITY:

Share capital 69,856 69,856Investments available-for-sale fair value reserve (1,248) (256)Retained earnings 21,370 15,293Special reserve - -Total equity 89,978 84,893

KZTKZT MM MM

BCC YE2014 Presentation (non-consolidated), April 2015 5

33,480 30,576

YE2013 YE2014

Net Interest Income Net Interest Income KZT MMKZT MMNet Interest Income Net Interest Income KZT MMKZT MM

9,5 10,4

YE2013 YE2014

Interest Expense on Deposits Interest Expense on Deposits KZT MMKZT MMInterest Expense on Deposits Interest Expense on Deposits KZT MMKZT MMInterest Income on Loans Interest Income on Loans KZT MMKZT MMInterest Income on Loans Interest Income on Loans KZT MMKZT MM

Average rates on Deposits Average rates on Deposits %%Average rates on Deposits Average rates on Deposits %%Average rates on Net Loan Portfolio Average rates on Net Loan Portfolio %%Average rates on Net Loan Portfolio Average rates on Net Loan Portfolio %%Net Interest Margin Net Interest Margin %%Net Interest Margin Net Interest Margin %%

3,64,9

YE2013 YE2014

Net Interest Income

4,1 4,1

YE2013 YE2014

75,571 81,740

YE2013 YE2014

8,296

2,956

YE2013 YE2014

BCC YE2014 Presentation (non-consolidated), April 2015 6

Operating Expense

Net profit Net profit KZT MM KZT MM Net Net interest margin interest margin %%Net profit Net profit KZT MM KZT MM Net Net interest margin interest margin %% Cost / Income ratioCost / Income ratio

Operating income structure Operating income structure KZT MMKZT MMOperating income structure Operating income structure KZT MMKZT MM

33, 32645, 160

21,768

27,438

YE2013 YE2014

Interest income Non-interest income

12BCC YE2014 Presentation (non-consolidated), April 2015 7

48%33,7%

YE2013 YE20141,802 4 ,180

3,6%4,9%

0,00

2,00

4,00

6,00

YE2013 YE2014

Net Profit NIM

Capital Structure (BIS, KZTmm)Capital Structure (BIS, KZTmm) Capital Adequacy (BIS)Capital Adequacy (BIS)

Capital dynamics (KZTmm)Capital dynamics (KZTmm)

Total capital adequacy min. requirement = 8%; Tier 1 capital adequacy min. requirement = 4%

Capitalization

BCC YE2014 Presentation (non-consolidated), April 2015 8

YE2014 YE2013

Tier I 99,535 91,491

Tier II 42,68 50,207

Total capital 142,203 141,698

RWA 1,005,616 997,701

Tier 1 capital ratio 9.1% 8.5%

Tier 2 capital ratio 9.9% 9.2%

Total CAR 14.1% 14.2%

Tier 199,535

Tier 2 42,668

8,50% 9,10%

14,20% 14,10%

YE2013 YE2014

Tier 1 Total capital

Funding

Customer Customer account account breakdown by currencybreakdown by currencyCustomer Customer account account breakdown by currencybreakdown by currency

Average Average loan rates loan rates and and cost cost of fundingof fundingAverage Average loan rates loan rates and and cost cost of fundingof funding

9,0% 8,7%5,1% 4,8%

3,9% 3,9%

0%2%4%6%8%10%12%14%

YE2013 YE2014

Yield on assets Cost of funding Spread

BCC YE2014 Presentation (non-consolidated), April 2015 9

76,2% 49,6%

23,8% 50,4%

YE2013 YE2014

FCY KZT

Loan Portfolio

63 61

37 39

0%10%20%30%40%50%60%70%80%90%

100%

YE2013 YE2014

Corporate Retail

Loan Portfolio by Segments Loan Portfolio by Segments %%Loan Portfolio by Segments Loan Portfolio by Segments %%

Loan Portfolio by IndustriesLoan Portfolio by IndustriesLoan Portfolio by IndustriesLoan Portfolio by IndustriesRetail loans ($mm)

Loans to Assets Loans to Assets KZT MMKZT MM

Loan Portfolio by CurrenciesLoan Portfolio by CurrenciesLoan Portfolio by CurrenciesLoan Portfolio by Currencies

Individuals38.9%

Trade15.4%

Production5.1%

Industrial Construction

8%Residential

Construction6.1%

Food Industry4.2%

Real Estate5.8%

Agriculture4.8%

Transportation& equipment

maintenance3%

Oil&Gas1.4%

Transport&Communication

1.3%

Energy1.1% Mass Media

0.1%Other4.9%

81% 81%

19% 19%

0%

20%

40%

60%

80%

100%

120%

YE2013 YE2014

FCY KZT

BCC YE2014 Presentation (non-consolidated), April 2015 10

949,106 951,2451,072, 232 1,103, 148

89% 86%

0%

20%

40%

60%

80%

0100 000200 000300 000400 000500 000600 000700 000800 000900 000

1 000 0001 100 0001 200 000

YE2013 YE2014

Gross Loans Total Assets Gross Loans/Total Assets

Anneх: Key Financial Indicators

KZT KZT MM MM Y2014 Y2014 Y2013Y2013

Liquid assets/total assets Liquid assets/total assets 18.8% 21.34%NPLs/gross loans NPLs/gross loans 12.4% 16.4%ProvisionsProvisions 15.0% 20.3%Tier 1 CAR Tier 1 CAR 99,535 91,491Tier 2 CAR Tier 2 CAR 42,668 50,207Total regulatory capital Total regulatory capital 142,203 141,698RWA RWA 1,005,616 997,701Tier 1 capital ratio Tier 1 capital ratio 9.1% 8.5%Total CAR Total CAR 14.1% 14.2%

BCC YE2014 Presentation (non-consolidated), April 2015 11

Disclaimer. This presentation has been prepared by JSC Bank CenterCredit (the “Bank”) for information purposes only and does not purport to contain all the information that may be required to evaluate the Bank or its financial position. No representation or warranty, express or implied, is given by or on behalf of the Bank as to the accuracy or completeness of the information or opinions contained in this presentation.This presentation does not constitute of form part of an offer, solicitation or invitation of any offer, to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied in any connection with, any contact, investment decision or commitment whatsoever.The Bank does not accept any liability whatsoever for any loss howsoever arising from any use of this presentation or their contents or otherwise arising in connection therewith.Basis of calculation: all figures in this presentation are based on IFRS non- consolidated financial statements reviewed by auditors Deloitte LLC

JSC BANK CENTERCREDIT38 Al-Farabi Ave., 050059Almaty, Republic of KazakhstanTel: +7 (7272) 598 546 www.bcc.kz

Timur GabassovChief TreasurerContact: +7 (7272) 598 546Email: timur.gabasov@bcc.kz

Aizhan KussainovaFI Team Head & Investor RelationsContact: +7 (7272) 598 546 Email: aizhan.kussainova@bcc.kz;

ir@bcc.kz

Meirambek KarazhigitovFI TeamContact: (7272) 598 546Email: meirambek.karazhigitov@bcc.kz

Madina SultanovaFI TeamContact: (7272) 598 546Email: madina.sultanova@bcc.kz

Contacts