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ILT
Anmeldedatum: 04.03.2020
Beiträge: 191
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 Verfasst am: 08.10.2026, 08:45 Titel: Re: Kreditunternehmen IDF EURASIA (Kasachstan) (Mintos) |
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| Mal was positives. Beachtliche Tilgungsleistung der letzten Tage bei MFO Online. Fast 1,9 Millionen € an Pendings wurden zurückgezahlt. Aktuell ausstehende Pendings damit unter 500k gedrückt. Auch interessant: das Mintosrating ist nach wie vor höher als bei Creditstar bei der Rückkaufstärke. |
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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1413
Wohnort: Ba-Wü
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| Verfasst am: 06.11.2026, 19:49 Titel: Re: Kreditunternehmen IDF EURASIA (Kasachstan) (Mintos) |
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Auf Mintos* werden die gut verzinsten Angebote mittlerweile rar.
MFO OnlineKazFinance hat nun die Zinsen auf 13,8 % erhöht.
Gleichzeitig, und das ist interessant, scheint sich laut Telegram-Kanal von Mintos* die Stimmung dort aufzuhellen:
| Zitat: | OKF has raised its interest rates to 13.8% for terms ranging from 12 to 17 months—only a quarter of the duration previously offered.
At the same time, OnlineKazFinance’s Q3 quarterly report was recently published on the KASE (Kazakhstan Stock Exchange).
In 2025, OnlineKazFinance recorded a loss of 12 billion KZT (nearly 24 million euros). This figure includes the establishment of 25 billion KZT in new ECL (Expected Credit Loss) provisions, alongside a 14 billion KZT increase in credit loss expenses—amounting to a total of 39 billion KZT (approximately 78 million euros) in write-offs and risk provisions for 2025.
In my view, this was driven by regulatory requirements in Kazakhstan and a ban on debt collection activities.
In Q1 2026, OKF returned to a net profit of 667 million KZT, though it posted a loss of 628 million KZT in Q2. By Q3, however, the company generated a net profit of 2.459 billion KZT (equivalent to 4.85 million euros). While operating profit has continued to decline quarter-over-quarter, the Q3 result was bolstered by special factors, such as currency gains.
This is also reflected in the fact that OKF’s "pending payments" on Mintos* have remained limited since September and are being settled on a weekly basis.
In October, OnlineKazFinance repaid a total of 9.49 billion KZT (nearly 19 million euros) in maturing bonds. Two new bonds were issued, each with a 180-day term: one for 20 million USD at an 11% interest rate, and another for 7 billion KZT at an interest rate of 23%. While I could not find evidence that these were fully placed, there has been a trading volume of 2.61 million USD and 4.53 billion KZT since October 13—amounting to a total of 5.7 billion KZT, or 11.4 million euros.
In addition to the sale of a majority stake to AG Holding in early August 2026, there are once again some positive trends within the group. Under normal circumstances, this should also have a favorable impact on the Mintos* Score from 2027 onwards.
From my perspective, OKF is once again becoming a viable option—particularly for short-term maturities, which help improve liquidity in the near term. The sooner OKF absorbs the many changes that have taken place over the last few months, the sooner AG Holding can proceed with the restructuring or potential buyback of MFO FintechFinance, a lending originator (LO) that was also acquired in August.
FintechFinance generated a net profit of 1.7 billion KZT in 2025, but recorded a loss of 4.1 billion KZT in the first half of 2026. |
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