Financial market conditions of the region as of January 1, 2020

Atyrau branch of the National Bank of the RK

PRESS RELEASE No. 1

January 31, 2020

Financial market conditions of

the region as of January 1, 2020

 

 

 

 

 

 

Public services of the Atyrau branch of the National Bank of the RK

Name of public services	number of services provided in January-December 2019
Registration of currency transactions *	23
Confirmation of notification of a foreign exchange transaction or opening a bank account in a foreign bank *	2
Issuance of a license for the organization of exchange operations with foreign currency in cash to authorized organizations	3
Registration of microfinance organizations	1
Registration of collection agencies	1
Total	30

The public service "Issuance of a license for the organization of exchange operations with foreign currency in cash to authorized organizations" is provided only in electronic form through the portal of "electronic government" or through electronic licensing.

Public services "Accounting registration of microfinance organizations" and "Accounting registration of collection agencies" from January 1, 2020 are the function of the Agency of the Republic of Kazakhstan for the regulation and development of the financial market.

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in December 2019 to November 2019 was 100.6%. The consumer price index for food products was at the level of 101.0%, for non-food products - 100.6% and for paid services - 100.2%.

In December 2019 against December 2018, the consumer price index was 105.7%.

Banking sector of the region. As of January 1, 2020, 21** branches, 57 separate premises, 74 exchange offices of twenty second-tier banks functioned in the region.

Regional credit market. In January-December 2019, the branches of second-tier banks of the region issued loans in the amount of 437.0 billion tenge, which is more than in January-December 2018 by 25.8% or 89.5 billion tenge.

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* Excluded from the register of public services from July 1, 2019.

** Including branches of Kazinvestbank JSC, Qazaq Bank JSC, Bank of Astana JSC are in the process of liquidation.

At the same time, the issuance of loans to legal entities increased by 19.4% to 189.2 billion tenge, to individuals - by 31.3% to 247.8 billion tenge.

The issuance of loans in national currency increased by 25.5% to 406.9 billion tenge, in foreign currency - by 30.2% to 30.1 billion tenge.

In January-December 2019, small businesses received loans in the amount of 46.1 billion tenge, which is 15.7% less than in 2018.

For consumer purposes, citizens in January-December 2019 were issued 207.7 billion tenge, which is 28.6% more than in January-December 2018. At the same time, the share of consumer loans in the total volume of lending is 47.5%.

Mortgage loans issued to the population in January-December 2019 amounted to 22.3 billion tenge, an increase of 39.7% compared to 2018.

As of January 1, 2020, the debt on loans issued by branches of banks in the region amounted to 449.8 billion tenge, an increase of 14.8% compared to January 1, 2019. The indebtedness of individuals in the region as of January 1 of this year in comparison with the corresponding date of last year increased by 22.8% and amounted to 280.5 billion tenge, legal entities increased by 3.5%, amounting to 169.3 billion tenge.

The debt of the population on mortgage loans as of January 1, 2020, amounted to 53.9 billion tenge, an increase of 24.6% compared to January 1, 2019.

Loan debt of small businesses as of January 1 of the current year compared with the corresponding date of 2019 decreased by 3.7% and amounted to 43.0 billion tenge.

The volume of overdue debt on loans as of January 1, 2020, compared to January 1, 2019, decreased by 2.0% and amounted to 30.4 billion tenge. At the same time, the overdue debt of legal entities decreased by 4.3% to 20.6 billion tenge, the debt of individuals increased by 3.4% to 9.8 billion tenge.

Deposit market of the region. In December 2019, branches of second-tier banks attracted deposits totaling 633.8 billion tenge, which is 11.8% more than in November 2019. At the same time, 38.8 billion tenge of deposits were attracted from individuals (an increase compared to November 2019 by 34.2%), from legal entities - 595.0 billion tenge (an increase of 10.6%).

Balances on deposits in branches of second-tier banks as of January 1, 2020 compared to January 1, 2019 increased by 8.8% and reached 345.8 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 4.1%, and for legal entities - by 19.8%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 67.0% (232.0 billion tenge), legal entities - 33.0% (113.8 billion tenge).

As of January 1, 2020, the share of deposits in national currency amounted to 58.4% or 202.0 billion tenge, in foreign currency - 41.6% or 143.8 billion tenge.

As of January 1, the weighted average interest rate on deposits in the national currency was 8.0%, in foreign currency - 0.9%.

Foreign exchange market of the region. As of January 1, 2020, on the territory of the region, exchange operations with foreign currency in cash were carried out by 108 exchange offices, of which 74 were authorized banks, 15 were branches of Kazpost JSC and 19 were authorized organizations.

Volumes of purchase and sale of foreign currency in cash by exchange offices million of currency

Currency	Purchase			Sell
	January-December, 2019	January-December, 2019 to January-December, 2018, in %	weighted average exchange rate for December, 2019	January-December, 2019	January-December, 2019 to January-December, 2018, in %	weighted average exchange rate for December, 2019
US dollars	103,3	97,7	382,63	472,0	133,4	384,68
euro	5,4	136,5	423,60	25,5	118,3	427,30
Russian ruble	1 431,4	90,1	6,07	4 672,1	44,8	6,15
English pounds sterling	0,3	86,0	499,93	0,4	55,4	510,05

In January-December 2019, exchange offices of the region bought 103.3 million US dollars from the population, which is 2.3% less than in 2018. Also bought 5.4 million euros (an increase of 36.5%), 1431.4 million rubles (decrease by 9.9%).

In January-December 2019, exchange offices of the region sold 472.0 million US dollars to the population, an increase of 33.4% compared to January-December 2018. In addition, 25.5 million euros were sold to the population (an increase of 18.3%), 4,672.1 million Russian rubles (a decrease of 55.2%).

In December 2019, the weighted average buying and selling rates amounted to 382.63 and 384.68 tenge per 1 US dollar, 423.60 and 427.30 tenge per 1 euro, 6.07 and 6.15 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-December 2019, the volume of funds received on the current accounts of banks' clients amounted to 15,747.5 billion tenge, which is 12.4% more compared to January-December 2018. For the twelve months of 2019, funds in the amount of 1,778.4 billion tenge were transferred to the accounts of individuals, which is 50.8% more than in January-December 2018.

As of January 1, 2020, the balances of funds on current accounts of clients in the branches of second-tier banks, compared to the corresponding date of 2018, decreased by 9.9% and amounted to 286.2 billion tenge. At the same time, there is an increase in the accounts of individuals by 27.6% to 33.2 billion tenge, the balances of funds on the accounts of legal entities decreased by 13.2% and amounted to 253.0 billion tenge.

Use of payment cards. As of January 1, 2020, the number of payment cards in circulation in the region is 1459.4 thousand units (as of January 1, 2019 - 778.2 thousand units), the number of cardholders is 1347.3 thousand people (as of January 1 last year - 627.5 thousand people). There are 717 payment terminals, 582 ATMs, 5198 POS terminals in the region.

In January-December 2019, 27,008.9 thousand transactions were made on non-cash payments using payment cards (an increase of 3.7 times compared to January-December 2018) in the amount of 427.9 billion tenge (an increase of 3.6 times).

In January-December 2019, 15856.9 thousand transactions were made to withdraw cash from a card account (an increase of 24.4% compared to January-December 2018) in the amount of 757.7 billion tenge (an increase of 16.4 %).