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Financial market condition of the region as of July 1, 2020
Atyrau branch of the National Bank of the RK
PRESS RELEASE No. 7
August 4, 2020
Financial market condition of
the region as of July 1, 2020
Public service of the Atyrau branch of the National Bank of the Republic of Kazakhstan. The service recipient can apply for the public service “Issuance of a license for exchange operations with foreign currency in cash issued to authorized organizations” through the “Electronic Government” web portal www.egov.kz, www.elicense.kz. In January-June 2020, 7 licenses were reissued.
Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in June 2020 to May 2020 amounted to 100.5%. The consumer price index for food products was at the level of 100.9%, for non-food products - 100.4% and for paid services - 100.1%.
In June 2020, by June 2019, the consumer price index was 106.8%.
Banking sector of the region. As of July 1, 2020, 21* branches, 57 separate premises, 75 exchange offices of second-tier banks functioned in the region.
Regional credit market. In January-June 2020, branches of second-tier banks (hereinafter - STB) of the region issued loans in the amount of 176.8 billion tenge, which is less than in January-June 2019 by 7.2% or 13.7 billion tenge.
At the same time, the issuance of loans to legal entities increased by 2.0% to 81.5 billion tenge, and to individuals decreased by 13.9% to 95.3 billion tenge.
The issuance of loans in national currency decreased by 6.4% to 169.6 billion tenge, in foreign currency - by 22.2% to 7.2 billion tenge.
In January-June 2020, small businesses were granted loans in the amount of 15.0 billion tenge, which is 33.5% less than in January-June 2019.
For consumer purposes, citizens in January-June 2020 were issued 75.9 billion tenge, which is 20.0% less than in January-June 2019. At the same time, the share of consumer loans in the total volume of lending is 42.9%.
Mortgage loans issued to the population in January-June 2020 amounted to 9.4 billion tenge, a decrease of 7.6% compared to the same period in 2019.
* Including branches of Kazinvestbank JSC, Qazaq Bank JSC, Bank of Astana JSC are in the process of liquidation.
As of July 1, 2020, the debt on loans issued by branches of banks in the region amounted to 485.1 billion tenge, an increase of 18.1% compared to July 1, 2019. Debt of individuals of the region for
July 1 of the current year in comparison with the corresponding date last year increased by 24.2% and amounted to 312.2 billion tenge, legal entities increased by 8.4%, amounting to 172.9 billion tenge.
The debt of the population on mortgage loans as of July 1, 2020 amounted to 57.3 billion tenge, an increase of 20.8% compared to July 1, 2019.
Loan debt of small businesses as of July 1 of this year compared to the corresponding date of 2019 increased by 6.3% and amounted to 44.4 billion tenge.
The volume of overdue debt on loans as of July 1, 2020, compared to July 1, 2019, increased by 4.9% and amounted to 32.8 billion tenge. At the same time, the share of overdue debts of legal entities in the total volume amounted to 65.9%, of individuals - 34.1%.
Deposit market of the region. In June 2020, STB branches attracted deposits for 779.5 billion tenge, which is 30.2% more than in May 2020. At the same time, 33.3 billion tenge of deposits were attracted from individuals (an increase in comparison with May 2020 by 6.7%), from legal entities - 746.2 billion tenge (an increase of 31.5%).
Balances on deposits in STB branches as of July 1, 2020 compared to July 1, 2019 increased by 17.7% and reached 393.3 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 3.4%, and that of legal entities - by 45.3%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 57.7% (227.0 billion tenge), legal entities - 42.3% (166.3 billion tenge).
As of July 1, 2020, the share of deposits in national currency amounted to 53.8% or 211.4 billion tenge, in foreign currency - 46.2% or 181.9 billion tenge.
As of July 1, the weighted average interest rate on deposits in the national currency was 8.2%, in foreign currency - 0.9%.
Foreign exchange market of the region. As of July 1, 2020, in the region, 105 exchange offices carried out exchange operations with foreign currency in cash, of which 75 were authorized banks, 15 were branches of Kazpost JSC and 15 were authorized organizations.
In January-June 2020, exchange offices of the region bought 43.0 million US dollars from the population, which is 8.9% less than in 2019. Also bought 1.5 million euros (a decrease of 40.6%), 452.5 million rubles (a decrease of 34.3%).
In January-June 2020, exchange offices of the region sold 129.2 million US dollars to the population, compared with January-June 2019, a decrease of 40.0%. In addition, 4.7 million euros were sold to the population (a decrease of 62.9%), 1234.7 million rubles (a decrease of 48.4%).
In June 2020, the weighted average buying and selling rates amounted to 402.16 and 406.66 tenge per 1 US dollar, 449.92 and 455.01 tenge per 1 euro, 5.77 and 5.86 tenge per 1 Russian ruble, respectively.
Volumes and balances of funds on current accounts. In January-June 2020, the amount of funds received on the current accounts of bank customers amounted to
8 387.9 billion tenge, which is 22.1% more compared to January-June 2019.
At the same time, over six months, funds in the amount of 1,035.3 billion tenge were transferred to the accounts of individuals, which is 36.8% more than in January-June 2019.
As of July 1, 2020, the balances of funds on current accounts of clients in the branches of second-tier banks, compared to the corresponding date of 2019, decreased by 2.6% and amounted to 198.6 billion tenge. At the same time, an increase of 32.4% to 36.3 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 8.0% and amounted to 162.3 billion tenge.
Use of payment cards. As of July 1, 2020, the number of payment cards in circulation in the region amounted to 1,721 thousand units (as of July 1, 2019 - 789.5 thousand units), the number of cardholders - 1,441.1 thousand people (as of July 1 last year - 641 thousand people). There are 613 ATMs and 5,563 POS-terminals in the region.
In January-June 2020, 41,825.9 thousand transactions were made on non-cash payments using payment cards (an increase of 7.0 times compared to January-June 2019) in the amount of 548.6 billion tenge (an increase of 5, 6 times). In January-June 2020, 6,672.8 thousand transactions were made to withdraw cash from a card account (a decrease by 11.1% compared to January-June 2019) in the amount of 350.7 billion tenge (a decrease by 1, 0%).