Award from "Global Finance" magazine

PRESS-RELEASE

"Global Finance" international magazine acknowledged JSC "Halyk Bank"

Best Foreign Exchange Provider in Kazakhstan

8 January 2013

JSC "Halyk Bank" (hereinafter - the Bank) has been acknowledged the winner in "Best Foreign Exchange Provider Kazakhstan 2013" nomination by "Global Finance", the reputable international magazine third year in a row.

"Global Finance" international magazine identified "Best Foreign Exchange Providers" in different countries, regions and categories in its exclusive research to be published in its January edition.

"Global Finance" expert group, including industry analysts, company managers and technical experts selected the best providers in 97 countries and regions worldwide. Selection criteria comprised the volume of client, interbank and stock exchange transactions, market shares, global coverage, client service quality, price competitiveness, as well as the level of innovation technologies used.

"The foreign exchange market, the world's largest, trades $4 trillion on an average day. Banks are investing heavily in new technology as they strive to maintain market share. Corporations need a good FX bank to guide them through the growing risks and rewards in evolving global markets," says Joseph D. Giarraputo, publisher and president of Global Finance.

"High estimate by international experts is very important to us," noted Dauren Karabayev, Deputy CEO of the Bank, "It's important to note that this achievement has become possible thanks to support of our customers that have been giving preference to treasury products of the Bank for many years. We would like to take an opportunity and express gratitude to all of our clients and partners."

The Bank is one of the leaders in interbank and stock exchange markets of Kazakhstan: the Bank is holding primary positions in cash foreign exchange market - more than 50% of all foreign currency banknotes imported to Kazakhstan pass through the Bank. Kazakhstan-wide around 4 thousand entities and even more of the individuals are the Bank's clients in terms of foreign exchange operations. The Bank is the largest counterparty for exporters and importers, as well as international banks operating in Kazakhstan.

***

JSC "Halyk Bank" is the leading financial services group and the leading retail bank in Kazakhstan with the largest customer base and the broadest branch network. The Bank renders services to around 5.9 million individuals, over 60 thousand SMEs and around 300 large corporate borrowers. The Bank is developing as a universal financial services group rendering a wide range of services (banking services, pension asset management, insurance, leasing, brokerage services and asset management) to its retail, SME and corporate clients. The Bank is also conducting business in Russia, Georgia and Kyrgyzstan.