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

  Atyrau branch of the National Bank of the RK

                      PRESS RELEASE No. 2

                       March 5,  2020

 

 

 

 

 

 

 

 

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

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in January 2020 to December 2019 amounted to 100.8%. The consumer price index for food products was at the level of 101.1%, for non-food products - 100.9% and for paid services - 100.4%.

In January 2020 against January 2019, the consumer price index was 105.5%.

Banking sector of the region. As of February 1, 2020, 21* branches, 57 separate premises, 72 exchange offices of twenty second-tier banks functioned in the region.

Regional credit market. In January 2020, the branches of STB of the region issued loans in the amount of 30.4 billion tenge, which is more than in January 2019 by 11.8% or 3.2 billion tenge.

At the same time, the issuance of loans to legal entities decreased by 8.0% to 11.4 billion tenge, and to individuals increased by 28.4% to 19.0 billion tenge.

The issuance of loans in national currency increased by 12.3% to 28.1 billion tenge, in foreign currency - by 6.6% to 2.3 billion tenge.

In January 2020, small businesses received loans in the amount of 2.2 billion tenge, which is 10.1% less than in January 2019.

For consumer purposes, citizens were issued 15.1 billion tenge in January 2020, which is 20.8% more than in January 2019. At the same time, the share of consumer loans in the total volume of lending is 49.8%.

Mortgage loans issued to the population in January 2020 amounted to 1.8 billion tenge, an increase of 3.0% compared to 2019.

As of February 1, 2020, the debt on loans issued by branches of banks in the region amounted to 449.0 billion tenge, an increase of 14.8% compared to February 1, 2019. The indebtedness of individuals in the region as of February 1 of this year in comparison with the corresponding date of last year increased by 23.0% and amounted to 281.8 billion tenge, legal entities increased by 3.2%, amounting to 167.2 billion tenge.

The debt of the population on mortgage loans as of February 1, 2020 amounted to 54.7 billion tenge, an increase of 1.5% compared to February 1, 2020.

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

Loan debt of small businesses as of February 1 of the current year compared with the corresponding date of 2019 decreased by 2.6% and amounted to 42.5 billion tenge.

The volume of overdue debt on loans as of February 1, 2020 compared to February 1, 2019 increased by 0.5% and amounted to 31.2 billion tenge. At the same time, overdue debts of legal entities decreased by 1.0% to 21.3 billion tenge, and debts of individuals increased by 4.1% to 9.9 billion tenge.

Deposit market of the region. In January 2020, branches of second-tier banks attracted deposits totaling 617.8 billion tenge, which is 2.5% less than in December 2019. At the same time, 27.6 billion tenge of deposits were attracted from individuals (a decrease in comparison with December 2019 by 28.9%), from legal entities - 590.2 billion tenge (a decrease by 0.8%).

Balances on deposits in branches of second-tier banks as of February 1, 2020 compared to February 1, 2019 increased by 22.2% and reached 390.9 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 4.6%, and for legal entities - by 62.7%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 59.7% (233.2 billion tenge), legal entities - 40.3% (157.7 billion tenge).

As of February 1, 2020, the share of deposits in national currency amounted to 52.0% or 203.6 billion tenge, in foreign currency - 48.0% or 187.3 billion tenge.

As of February 1, the weighted average interest rate on deposits in the national currency was 8.0%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of February 1, 2020, in the region, exchange operations with foreign currency in cash were carried out by 105 exchange offices, of which 72 were authorized banks, 15 were branches of Kazpost JSC and 18 were authorized organizations.

In January 2020, exchange offices of the region bought 10.1 million US dollars from the population, which is 43.8% more than in 2019. Also purchased were 0.4 million euros (a decrease of 18%), 108.0 million Russian rubles (an increase of 5.1%).

In January 2020, exchange offices of the region sold 26.3 million US dollars to the population, compared with January 2019, a decrease of 9.0%. In addition, 1.4 million euros were sold to the population (an increase of 33.6%), 201.8 million Russian rubles (a decrease of 39.6%).

In January 2020, the weighted average buying and selling rates amounted to 378.84 and 381.38 tenge per 1 US dollar, 422.09 and 425.18 tenge per 1 euro, 6.06 and 6.14 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January 2020, the volume of funds received on the current accounts of banks' clients amounted to 1,368.5 billion tenge, which is 16.5% more compared to January 2019. At the same time, over the month, funds in the amount of 153.8 billion tenge were transferred to the accounts of individuals, which is 42.9% more than in January 2019.

As of February 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, decreased by 21.5% and amounted to 212.6 billion tenge. At the same time, an increase of 25.4% to 29.2 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 25.9% and amounted to 183.4 billion tenge.

Use of payment cards. As of February 1, 2020, the number of payment cards in circulation in the region is 1,528.9 thousand units (as of February 1, 2019 - 784.4 thousand units), the number of cardholders is 1,347.3 thousand people (as of February 1, 2019). years - 632.7 thousand people). There are 717 payment terminals, 582 ATMs, 5198 POS terminals in the region.

In January 2020, 5,408.1 thousand transactions were made on non-cash payments using payment cards (an increase of 6.5 times compared to January 2019) in the amount of 72.2 billion tenge (an increase of 5.8 times).

In January 2020, 1,213.7 thousand transactions were made to withdraw cash from a card account (decrease by 2.3% compared to January 2019) in the amount of 56.9 billion tenge (decrease by 7.2%).