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

Atyrau branch of the National Bank of the RK

                PRESS RELEASE No. 4

                  May 12, 2020

 

 

 

 

 

 

 

 

 

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

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in March 2020 to February 2020 amounted to 100.5%. The consumer price index for food products was at the level of 101.0%, for non-food products - 100.1% and for paid services - 100.1%.

In March 2020 to March 2019, the consumer price index was 106.4%.

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

Regional credit market. In January-March 2020, the branches of STBs of the region issued loans in the amount of 107.6 billion tenge, which is more than in January-March 2019 by 30.4% or 25.1 billion tenge.

At the same time, the issuance of loans to legal entities increased by 28.5% to 44.3 billion tenge, and to individuals increased by 31.7% to 63.3 billion tenge.

The issuance of loans in national currency increased by 31.1% to 102.6 billion tenge, in foreign currency - by 16.7% to 5.0 billion tenge.

In January-March 2020, small businesses were granted loans in the amount of 7.4 billion tenge, which is 23.5% less than in January-March 2019.

For consumer purposes, citizens in January-March 2020 51.2 billion tenge were issued, which is 24.4% more than in January-March 2019. At the same time, the share of consumer loans in the total volume of lending is 47.6%.

Mortgage loans issued to the population in January-March 2020 amounted to 5.3 billion tenge, an increase of 10.4% compared to 2019.

As of April 1, 2020, the debt on loans issued by branches of banks in the region amounted to 502.1 billion tenge, an increase of 27.7% compared to April 1, 2019. The indebtedness of individuals in the region as of April 1 of this year in comparison with the corresponding date of last year increased by 36.5% and amounted to 319.9 billion tenge, legal entities increased by 14.8%, amounting to 182.2 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 April 1, 2020 amounted to 56.0 billion tenge, an increase of 23.4% compared to April 1, 2019.

Loan debt of small businesses as of April 1 of this year compared with the corresponding date of 2019 decreased by 7.7% and amounted to 43.9 billion tenge.

The volume of overdue debt on loans as of April 1, 2020 compared to April 1, 2019 increased by 13.0% and amounted to 34.9 billion tenge. At the same time, the overdue debt of legal entities increased by 9.8% to 23.2 billion tenge, the debt of individuals increased by 20.0% to 11.7 billion tenge.

Deposit market of the region. In March 2020, the branches of second-tier banks attracted deposits totaling 476.4 billion tenge, which is 35.1% less than in February 2020. At the same time, 49.4 billion tenge of deposits were attracted from individuals (an increase in comparison with February 2020 by 42.6%), from legal entities - 427.0 billion tenge (a decrease by 38.9%).

Balances on deposits in branches of second-tier banks as of April 1, 2020 compared to April 1, 2019 increased by 18.4% and reached 397.3 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 4.6%, and for legal entities - by 47.2%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 59.7% (237.0 billion tenge), legal entities - 40.3% (160.3 billion tenge).

As of April 1, 2020, the share of deposits in national currency amounted to 50.4% or 200.2 billion tenge, in foreign currency - 49.6% or 197.1 billion tenge.

As of April 1, the weighted average interest rate on deposits in the national currency was 7.8%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of April 1, 2020, on the territory of the region, exchange operations with foreign currency in cash were carried out by 106 exchange offices, of which 74 were authorized banks, 15 were branches of Kazpost JSC and 17 were authorized organizations.

In January-March 2020, exchange offices of the region bought 26.5 million US dollars from the population, which is 14.2% more than in 2019. Also bought 1.0 million euros (a decrease of 30.2%), 349.2 million Russian rubles (an increase of 4.0%).

In January-March 2020, exchange offices of the region sold 78.3 million US dollars to the population, compared with January-March 2019, a decrease of 8.2%. In addition, 3.3 million euros were sold to the population (a decrease of 26.9%), 834.0 million Russian rubles (a decrease of 24.4%).

In March 2020, the weighted average buying and selling rates amounted to 416.23 and 427.16 tenge per 1 US dollar, 458.25 and 470.71 tenge per 1 euro, 5.61 and 5.85 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-March 2020, the volume of funds received on the current accounts of banks' clients amounted to 4,273.2 billion tenge, which is 25.9% more compared to January-March 2019.

At the same time, over three months, funds in the amount of 524.1 billion tenge were transferred to the accounts of individuals, which is 57.1% more than in January-March 2019.

As of April 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, increased by 44.3% and amounted to 220.8 billion tenge. At the same time, an increase of 34.4% to 30.7 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities increased by 46.1% and amounted to 190.1 billion tenge.

Use of payment cards. As of April 1, 2020, the number of payment cards in circulation in the region is 1,601.9 thousand units (as of April 1, 2019 - 789.7 thousand units), the number of cardholders is 1,327.5 thousand people (as of April 1, 2019). years - 639.0 thousand people). There are 607 ATMs and 5104 POS-terminals in the region.

In January-March 2020, 19,036.0 thousand transactions were made on non-cash payments using payment cards (an increase of 7.4 times compared to January-March 2019) in the amount of 264.2 billion tenge (an increase of 6, 4 times).

In January-March 2020, 3,830.6 thousand transactions were made to withdraw cash from a card account (an increase of 8.2% compared to January-March 2019) in the amount of 187.1 billion tenge (an increase of 10, five %).