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

Atyrau branch of the National Bank of the RK

                 PRESS RELEASE No. 5

                June 5, 2020

 

 

 

 

 

 

 

Financial market condition of

the region as of May 1, 2020

 

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in April 2020 to March 2020 amounted to 100.7%. The consumer price index for food products was at the level of 101.4%, for non-food products - 100.1% and for paid services - 100.3%.

In April 2020 by April 2019, the consumer price index was 106.4%.

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

Regional credit market. In January-April 2020, the branches of STBs of the region issued loans in the amount of 123.6 billion tenge, which is more than in January-April 2019 by 5.3% or 6.2 billion tenge.

At the same time, the issuance of loans to legal entities increased by 15.6% to 56.5 billion tenge, and to individuals decreased by 2.1% to 67.1 billion tenge.

The issuance of loans in national currency increased by 4.7% to 117.3 billion tenge, in foreign currency - by 16.3% to 6.3 billion tenge.

In January-April 2020, small businesses received loans in the amount of 8.9 billion tenge, which is 38.6% less than in January-April 2019.

For consumer purposes, citizens in January-April 2020 54.2 billion tenge were issued, which is 7.6% less than in January-April 2019. At the same time, the share of consumer loans in the total volume of lending is 43.9%.

Mortgage loans issued to the population in January-April 2020 amounted to 5.6 billion tenge, a decrease of 14.1% compared to the same period in 2019.

As of May 1, 2020, the debt on loans issued by branches of banks in the region amounted to 490.7 billion tenge, an increase of 22.5% compared to May 1, 2019. The indebtedness of individuals in the region as of May 1 of this year in comparison with the corresponding date of last year increased by 30.7% and amounted to 312.9 billion tenge, legal entities increased by 10.4%, amounting to 177.8 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 May 1, 2020 amounted to 55.8 billion tenge, an increase of 21.7% compared to May 1, 2019.

Loan debt of small businesses as of May 1 of the current year compared with the corresponding date of 2019 decreased by 11.3% and amounted to 43.8 billion tenge.

The volume of overdue debt on loans as of May 1, 2020 compared to May 1, 2019 increased by 8.6% and amounted to 33.5 billion tenge. At the same time, the share of overdue debts of legal entities in the total volume amounted to 64.8%, of individuals - 35.2%.

Deposit market of the region. In April 2020, the branches of second-tier banks attracted deposits totaling 551.1 billion tenge, which is 15.7% more than in March 2020. At the same time, 36.5 billion tenge of deposits were attracted from individuals (a decrease in comparison with March 2020 by 26.1%), from legal entities - 514.6 billion tenge (an increase of 20.5%).

Balances on deposits in branches of second-tier banks as of May 1, 2020 compared to May 1, 2019 increased by 19.6% and reached 394.5 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 2.4%, and for legal entities - by 56.9%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 58.7% (231.5 billion tenge), legal entities - 41.3% (163.0 billion tenge).

As of May 1, 2020, the share of deposits in national currency amounted to 49.3% or 194.4 billion tenge, in foreign currency - 50.7% or 200.1 billion tenge.

As of May 1, the weighted average interest rate on deposits in the national currency was 8.1%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of May 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-April 2020, exchange offices of the region bought 30.0 million US dollars from the population, which is 7.1% less than in 2019. Also bought 1.1 million euros (a decrease of 42.0%), 370.8 million rubles (a decrease of 19.3%).

In January-April 2020, exchange offices of the region sold 89.2 million US dollars to the population, compared with January-April 2019, a decrease of 23.2%. In addition, 3.6 million euros were sold to the population (a decrease of 44.9%), 995.2 million Russian rubles (a decrease of 34.9%).

In April 2020, the weighted average buying and selling rates amounted to 435.14 and 439.77 tenge per 1 US dollar, 475.48 and 481.48 tenge per 1 euro, 5.70 and 5.89 tenge per 1 Russian ruble, respectively

Volumes and balances of funds on current accounts. In January-April 2020, the volume of funds received to the current accounts of banks' clients amounted to 5,544.7 billion tenge, which is 20.8% more compared to January-April 2019.

At the same time, over four months, funds in the amount of 672.0 billion tenge were transferred to the accounts of individuals, which is 41.9% more than in January-April 2019.

As of May 1, 2020, the balances of customers' current accounts in STB branches, compared to the corresponding date of 2019, increased by 5.7% and amounted to 199.0 billion tenge. At the same time, an increase of 34.6% to 33.8 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities increased by 1.2% and amounted to 165.2 billion tenge.

Use of payment cards. As of May 1, 2020, the number of payment cards in circulation in the region is 1,638.9 thousand units (as of May 1, 2019 - 800.4 thousand units), the number of card holders is 1347.1 thousand people (as of May 1, 2019). years - 644.7 thousand people). There are 607 ATMs and 5104 POS-terminals in the region.

In January-April 2020, 24 787.6 thousand transactions were made on non-cash payments using payment cards (an increase of 6.9 times compared to January-April 2019) in the amount of 339.3 billion tenge (an increase of 5, 8 times). In January-April 2020, 4,646.7 thousand transactions were made to withdraw cash from a card account (a decrease of 3.1% compared to January-April 2019) in the amount of 232.4 billion tenge (an increase of 1, nine %).