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

Atyrau branch of the National Bank of the RK

PRESS RELEASE No. 9

October 8, 2020

 

 

 

 

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

 

Public service of the Atyrau branch of the National Bank of the RK. The 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-August 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 August 2020 to July 2020 amounted to 100.2%. The consumer price index for food products was at the level of 100.1%, for non-food products - 100.2% and for paid services - 100.2%.

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

Banking sector of the region. As of September 1, 2020, 21* branches, 55 separate premises, 74 exchange offices of second-tier banks functioned in the region.

Regional credit market. In January-August 2020, branches of second-tier banks (hereinafter – STB) of the region issued loans in the amount of 227.3 billion tenge, which is less than in January-August 2019 by 19.3% or 54.3 billion tenge.

At the same time, the issuance of loans to legal entities decreased by 21.2% to 98.2 billion tenge, to individuals – by 17.7% to 129.1 billion tenge.

The issuance of loans in national currency decreased by 13.4% to 219.7 billion tenge, in foreign currency – by 72.7% to KZT 7.6 million.

In January-August 2020, small businesses were issued loans in the amount of 18.1 billion tenge, which is 42.8% less than in January-August 2019.

For consumer purposes, citizens in January-August 2020 101.0 billion tenge were issued, which is 24.6% less than in January-August 2019. At the same time, the share of consumer loans in the total volume of lending is 44.4%.

Mortgage loans issued to the population in January-August 2020 amounted to 15.7 billion tenge, an increase of 15% 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 September 1, 2020, the debt on loans issued by branches of banks in the region amounted to 483.9 billion tenge, an increase of 11% compared to September 1, 2019. The indebtedness of individuals in the region as of September 1 of this year in comparison with the corresponding date of last year increased by 17.6% and amounted to 311.8 billion tenge, legal entities increased by 0.7%, amounting to 172.1 billion tenge.

The debt of the population on mortgage loans as of September 1, 2020 amounted to 61.0 billion tenge, an increase of 23.4% compared to September 1, 2019.

Loan debt of small businesses as of September 1 of the current year compared with the corresponding date of 2019 decreased by 7.5% and amounted to 42.5 billion tenge.

The volume of overdue debt on loans as of September 1, 2020 compared to September 1, 2019 increased by 13.8% and amounted to 34.5 billion tenge. At the same time, the share of overdue debts of legal entities in the total volume amounted to 66.1%, of individuals - 33.9%.

Deposit market of the region. In August 2020, STB branches attracted deposits totaling 96.1 billion tenge, which is 83.3% less than in July 2020. At the same time, 23.3 billion tenge of deposits were attracted from individuals (a decrease in comparison with July 2020 by 27.4%), from legal entities – 72.8 billion tenge (a decrease by 86.6%).

Balances on deposits in STB branches as of September 1, 2020 compared to September 1, 2019 increased by 27.1% and reached 398.4 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 7.7%, and of legal entities – by 71.2%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 58.8% (234.4 billion tenge), legal entities – 41.2% (164.0 billion tenge).

As of September 1, 2020, the share of deposits in national currency amounted to 49.7% or 197.9 billion tenge, in foreign currency – 50.3% or 200.6 billion tenge.

As of September 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 September 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-August 2020, exchange offices of the region bought 57.8 million US dollars from the population, which is 10.5% less than in 2019. Also bought 1.9 million euros (down 86.0%), 539.1 million Russian rubles (a decrease of 66.5%).

In January-August 2020, exchange offices of the region sold 166.5 million US dollars to the population, compared with January-August 2019, a decrease of 53.5%. In addition, 6.1 million euros were sold to the population (a decrease of 94.5%), 1,524.9 million Russian rubles (decrease by 86.7%).

In August 2020, the weighted average buying and selling rates amounted to 420.05 and 423.47 tenge per 1 US dollar, 493.71 and 499.09 tenge per 1 euro, 5.63 and 5.72 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-August 2020, the volume of funds received on the current accounts of bank customers amounted to 11,160.1 billion tenge, which is 13.8% more compared to January-August 2019.

At the same time, over eight months, funds in the amount of 1,426.6 billion tenge were transferred to the accounts of individuals, which is 33.5% more than in January-August 2019.

As of September 1, 2020, the balances of clients' current accounts in STB branches increased by 2.5% compared to the corresponding date of 2019 and amounted to KZT 209.4 billion. At the same time, an increase of 28.8% to 36.4 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 1.8% and amounted to 172.9 billion tenge.

Use of payment cards. As of September 1, 2020, the number of payment cards in circulation in the region amounted to 1,782.3 thousand units (as of September 1, 2019 - 1,521 thousand units), the number of card holders - 1,480.5 thousand people (as of September 1, last year). years - 1 335 thousand people). There are 613 ATMs and 5 563 POS terminals in the region.

In January-August 2020, 61,923.9 thousand transactions were made on non-cash payments using payment cards (an increase of 7.1 times compared to January-August 2019) in the amount of 795.3 billion tenge (an increase of 5, 5 times).

In January-August 2020, 8,482.4 thousand transactions were made to withdraw cash from a card account (a decrease by 17.2% compared to January-August 2019) in the amount of 463.3 billion tenge (a decrease by 4,6%).