Financial market condition of the region as of March 1, 2020

Atyrau branch of the National Bank of the RK

                   PRESS RELEASE No. 3

                   April 2, 2020

 

 

 

 

 

 

Financial market condition of the

region as of March 1, 2020

 

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in February 2020 to January 2020 amounted to 101.0%. The consumer price index for food products was at the level of 101.0%, for non-food products - 100.7% and for paid services - 101.1%.

In February 2020 against February 2019, the consumer price index was 106.1%.

Banking sector of the region. As of March 1, 2020, 21* branches, 57 separate premises, 73 exchange offices of twenty second-tier banks functioned in the region.

Regional credit market. In January-February 2020, the branches of STBs of the region issued loans in the amount of 68.1 billion tenge, which is more than in January-February 2019 by 27.1% or 14.5 billion tenge.

At the same time, the issuance of loans to legal entities increased by 12.3% to 25.3 billion tenge, and to individuals increased by 37.8% to 42.8 billion tenge.

The issuance of loans in national currency increased by 28.1% to 64.6 billion tenge, in foreign currency - by 11.1% to 3.5 billion tenge.

In January-February 2020, small businesses received loans in the amount of 5.3 billion tenge, which is 6.4% less than in January-February 2019.

For consumer purposes, citizens in January-February 2020 were issued 34.6 billion tenge, which is 32.3% more than in January-February 2019. At the same time, the share of consumer loans in the total volume of lending is 50.9%.

Mortgage loans issued to the population in January-February 2020 amounted to 3.7 billion tenge, an increase of 7.2% compared to 2019.

As of March 1, 2020, the debt on loans issued by branches of banks in the region amounted to 488.4 billion tenge, an increase of 25.7% compared to March 1, 2019. The indebtedness of individuals in the region as of March 1 of this year in comparison with the corresponding date of last year increased by 37.6% and amounted to 318.0 billion tenge, legal entities increased by 8.2%, amounting to 170.4 billion tenge.

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

The debt of the population on mortgage loans as of March 1, 2020, amounted to 55.3 billion tenge, an increase of 23.4% compared to March 1, 2019.

Loan debt of small businesses as of March 1 of this year compared to the corresponding date of 2019 increased by 2.8% and amounted to 43.4 billion tenge.

The volume of overdue debt on loans as of March 1, 2020 compared to March 1, 2019 increased by 12.8% and amounted to 34.5 billion tenge. At the same time, the overdue debt of legal entities increased by 11.8% to 23.5 billion tenge, the debt of individuals increased by 15.0% to 11.0 billion tenge.

Deposit market of the region. In February 2020, the branches of second-tier banks attracted deposits totaling 733.5 billion tenge, which is 18.7% more than in January 2020. At the same time, 34.6 billion tenge of deposits were attracted from individuals (an increase in comparison with January 2020 by 25.5%), from legal entities - 698.9 billion tenge (an increase of 18.4%).

Balances on deposits in branches of second-tier banks as of March 1, 2020 compared to March 1, 2019, increased by 19.8% and reached 376.0 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 4.9%, and for legal entities - by 57.4%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 62.8% (236.0 billion tenge), legal entities - 37.2% (140.0 billion tenge).

As of March 1, 2020, the share of deposits in national currency amounted to 55.0% or 206.6 billion tenge, in foreign currency - 45.0% or 169.4 billion tenge.

As of March 1, the weighted average interest rate on deposits in the national currency was 7.9%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of March 1, 2020, 105 exchange offices in the region carried out exchange operations with foreign currency in cash, of which 73 were authorized banks, 15 were branches of Kazpost JSC and 17 were authorized organizations.

In January-February 2020, exchange offices of the region bought 18.2 million US dollars from the population, which is 22.6% more than in 2019. Also purchased 0.7 million euros (a decrease of 12.4%), 223.0 million rubles (an increase of 4.3%).

In January-February 2020, exchange offices of the region sold 47.0 million US dollars to the population, compared with January-February 2019, a decrease of 18.1%. In addition, 2.6 million euros were sold to the population (an increase of 1.0%), 489.2 million Russian rubles (a decrease of 33.3%).

In February 2020, the weighted average buying and selling rates amounted to 377.81 and 380.45 tenge per 1 US dollar, 412.23 and 415.91 tenge per 1 euro, 5.83 and 5.92 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-February 2020, the volume of funds received on the current accounts of bank customers amounted to 2,956.5 billion tenge, which is 28.9% more compared to January-February 2019.

At the same time, over two months, funds in the amount of 326.8 billion tenge were transferred to the accounts of individuals, which is 48.4% more than in January-February 2019.

As of March 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, decreased by 19.6% and amounted to 181.7 billion tenge. At the same time, an increase of 26.6% to 28.9 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 24.8% and amounted to 152.8 billion tenge.

Use of payment cards. As of March 1, 2020, the number of payment cards in circulation in the region is 1,560.7 thousand units (as of March 1, 2019 - 790.2 thousand units), the number of cardholders is 1,396.7 thousand people (as of March 1 of last year - 637.7 thousand people). There are 717 payment terminals, 582 ATMs, 5198 POS terminals in the region.

In January-February 2020, 11,972.1 thousand transactions were made on non-cash payments using payment cards (an increase of 7.7 times compared to January-February 2019) in the amount of 160.9 billion tenge (an increase of 6, 4 times).

In January-February 2020, 2,529.2 thousand transactions were made to withdraw cash from a card account (an increase of 11.6% compared to January-February 2019) in the amount of 121.3 billion tenge (an increase of 7.9 %).