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

Atyrau branch of the National Bank of the RK

 PRESS RELEASE No. 8

September 9, 2020

 

 

 

 

 

 

Financial market conditions

of the region as of August 1, 2020

Public service of the Atyrau branch of the National Bank of the Republic of Kazakhstan. The recipient can apply for the state 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-July 2020, 9 licenses were reissued.

Inflation. According to the official data of the Department of Statistics for the Atyrau region, the consumer price index in July 2020 to June 2020 amounted to 100.5%. The consumer price index for food products was at the level of 100.4%, for non-food products - 100.2% and for paid services - 100.8%.

In July 2020 to July 2019, the consumer price index was 107.0%.

Banking sector of the region. As of August 1, 2020, 21* branches, 56 separate premises, 74 exchange offices of second-tier banks functioned in the region.

Regional credit market. In January-July 2020, branches of second-tier banks (hereinafter - STB) of the region issued loans in the amount of 196.1 billion tenge, which is less than in January-July 2019 by 15.1% or 34.8 billion tenge.

At the same time, the issuance of loans to legal entities decreased by 9.2% to 87.3 billion tenge, and to individuals decreased by 19.2% to 108.8 billion tenge.

The issuance of loans in national currency decreased by 13.9% to 188.8 billion tenge, in foreign currency - by 37.1% to 7.3 billion tenge.

In January-July 2020, small businesses received loans in the amount of 16.2 billion tenge, which is 40.0% less than in January-July 2019.

For consumer purposes, citizens in January-July 2020 were issued 86.1 billion tenge, which is 25.4% less than in January-July 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-July 2020 amounted to 11.8 billion tenge, a decrease of 2.8% 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 August 1, 2020, the debt on loans issued by branches of banks in the region amounted to 481.1 billion tenge, an increase of 15.4% compared to August 1, 2019. The indebtedness of individuals in the region as of August 1 of this year in comparison with the corresponding date of last year increased by 19.5% and amounted to 309.5 billion tenge, legal entities increased by 8.7%, amounting to 171.6 billion tenge.

The debt of the population on mortgage loans as of August 1, 2020 amounted to 58.4 billion tenge, an increase of 20.7% compared to August 1, 2019.

Loan debt of small businesses as of August 1 of this year compared to the corresponding date of 2019 increased by 9.9% and amounted to 43.3 billion tenge.

The volume of overdue debt on loans as of August 1, 2020 compared to August 1, 2019 increased by 15.1% and amounted to 35.4 billion tenge. At the same time, the share of overdue debts of legal entities in the total volume amounted to 67.2%, of individuals - 32.8%.

Deposit market of the region. In July 2020, STB branches attracted deposits totaling 575.4 billion tenge, which is 26.2% less than in June 2020. At the same time, 32.1 billion tenge of deposits were attracted from individuals (a decrease in comparison with June 2020 by 3.5%), from legal entities - 543.3 billion tenge (a decrease by 27.2%).

Balances on deposits in STB branches as of August 1, 2020 compared to August 1, 2019 increased by 21.1% and reached 405.7 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 5.2%, and that of legal entities - by 51.9%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 57.2% (231.9 billion tenge), legal entities - 42.8% (173.8 billion tenge).

As of August 1, 2020, the share of deposits in national currency amounted to 52.4% or 212.4 billion tenge, in foreign currency - 47.6% or 193.3 billion tenge.

As of August 1, the weighted average interest rate on deposits in the national currency was 8.2%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of August 1, 2020, on the territory of the region, exchange operations with foreign currency were carried out by 100 exchange offices, of which 74 are authorized banks, 15 are branches of Kazpost JSC and 11 are authorized organizations.

In January-July 2020, exchange offices of the region bought 49.8 million US dollars from the population, which is 24.5% less than in 2019. Also bought 1.7 million euros (a decrease of 36.8%), 491.2 million rubles (a decrease of 67.9%).

In January-July 2020, exchange offices of the region sold 147.0 million US dollars to the population, compared with January-July 2019, a decrease of 63.0%. In addition, 5.4 million euros were sold to the population (a decrease of 79.0%), 1,349.5 million Russian rubles (a decrease of 70.7%).

In July 2020, the weighted average buying and selling rates amounted to 412.68 and 416.60 tenge per 1 US dollar, 475.86 and 482.00 tenge per 1 euro, 5.73 and 5.82 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-July 2020, the volume of funds received on the current accounts of banks' clients amounted to 9,794.9 billion tenge, which is 17.0% more compared to January-July 2019.

At the same time, over seven months, funds in the amount of 1 221.4 billion tenge were transferred to the accounts of individuals, which is 33.4% more than in January-July 2019.

As of August 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, decreased by 11.9% and amounted to 195.7 billion tenge. At the same time, there is an increase in the accounts of individuals by 33.9% to 37.0 billion tenge, the balances of funds on the accounts of legal entities decreased by 18.4% and amounted to 158.7 billion tenge.

Use of payment cards. As of August 1, 2020, the number of payment cards in circulation in the region amounted to 1,741.4 thousand units (as of August 1, 2019 - 1,489.5 thousand units), the number of cardholders - 1,445.3 thousand people (per 1 August last year - 1 308.6 thousand people). There are 613 ATMs and 5,563 POS-terminals in the region.

In January-July 2020, 51,201.8 thousand transactions were made on non-cash payments using payment cards (an increase of 7.0 times compared to January-July 2019) in the amount of 664.7 billion tenge (an increase of 5, 5 times).

In January-July 2020, 7,560.1 thousand transactions were made to withdraw cash from a card account (decrease by 14.6% compared to January-July 2019) in the amount of 406.3 billion tenge (decrease by 3,1%)