Financial market conditions of ​the region as of October 1, 2020

 

Atyrau branch of the National Bank of the RK

PRESS RELEASE No. 10

November 5, 2020

 

 

Financial market conditions of
the region as of October 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-September 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 September 2020 to August 2020 amounted to 100.2%. The consumer price index for food products was at the level of 100.2%, for non-food products – 100.3% and for paid services – 100.1%.

In September 2020 by September 2019, the consumer price index was 107.2%.

Banking sector of the region. As of October 1, 2020, 19* branches, 56 separate premises, 74 exchange offices of second-tier banks functioned in the region.

Regional credit market. In January-September 2020, branches of second-tier banks (hereinafter – STB) of the region issued loans in the amount of 263.0 billion tenge, which is less than in January-September 2019 by 18.8% or 61.0 billion tenge.

At the same time, the issuance of loans to legal entities decreased by 24.3% to 110.4 billion tenge, to individuals – by 14.4% to 152.6 billion tenge.

The issuance of loans in national currency decreased by 13.4% to 255.1 billion tenge, in foreign currency - by 73.1% to 7.9 billion tenge.

In January-September 2020, small businesses were issued loans in the amount of 21.3 billion tenge, which is 39.9% less than in January-September 2019.

For consumer purposes, citizens in January-September 2020 118.0 billion tenge were issued, which is 22.3% less than in January-September 2019. At the same time, the share of consumer loans in the total volume of lending is 44.9%.

Mortgage loans issued to the population in January-September 2020 amounted to 19.4 billion tenge, an increase of 25.4% compared to the same period in 2019.

As of October 1, 2020, the debt on loans issued by branches of banks in the region amounted to 488.6 billion tenge, an increase of 10.2%

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*Including the branch of Bank of Astana JSC is in the process of liquidation.

compared to October 1, 2019. The indebtedness of individuals in the region as of October 1 of this year in comparison with the corresponding date of last year increased by 18.4% and amounted to 316.9 billion tenge, legal entities decreased by 2.3%, amounting to 171.7 billion tenge.

The debt of the population on mortgage loans as of October 1, 2020 amounted to 63.3 billion tenge, an increase of 26.0% compared to October 1, 2019.

Loan debt of small businesses as of October 1 of this year compared with the corresponding date of 2019 decreased by 7.5% and amounted to 43.3 billion tenge.

The volume of overdue debt on loans as of October 1, 2020 compared to October 1, 2019 increased by 10.6% 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 63.9%, of individuals - 36.1%.

Deposit market of the region. In September 2020, the branches of STBs attracted deposits totaling 568.8 billion tenge, which is 5.9 times more than in August 2020. At the same time, 33.5 billion tenge of deposits were attracted from individuals (an increase in comparison with August 2020 by 43.6%), from legal entities - 535.3 billion tenge (an increase of 7.4 times).

Balances on deposits in STB branches as of October 1, 2020 compared to October 1, 2019 increased by 31.1% and reached 413.5 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 7.8%, and that of legal entities - by 85.6%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 57.6% (238.0 billion tenge), legal entities - 42.4% (175.5 billion tenge).

As of October 1, 2020, the share of deposits in national currency amounted to 50.3% or 207.9 billion tenge, in foreign currency - 49.7% or 205.6 billion tenge.

As of October 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 October 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-September 2020, exchange offices of the region bought 69.1 million US dollars from the population, which is 8.4% less than in 2019. Also bought 2.3 million euros (a decrease of 68.2%), 613.5 million rubles. rubles (a decrease of 46.3%).

In January-September 2020, exchange offices of the region sold 189.3 million US dollars to the population, compared with January-September 2019, a decrease of 45.0%. In addition, the population sold 7.4 million euros (a decrease of 90.4%), 1,767.1 million Russian rubles (a decrease of 74.2%).

In September 2020, the weighted average buying and selling rates amounted to 424.43 and 427.15 tenge per 1 US dollar, 500.22 and 504.39 tenge per 1 euro, 5.53 and 5.62 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-September 2020, the volume of funds received on the current accounts of banks' clients amounted to 12,452.5 billion tenge, which is 12.8% more compared to January-September 2019.

At the same time, over nine months, funds in the amount of 1,667.2 billion tenge were transferred to the accounts of individuals, which is 35.8% more than in January-September 2019.

As of October 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, decreased by 16.0% and amounted to 209.3 billion tenge. At the same time, an increase of 19.6% to 35.1 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 20.7% and amounted to 174.2 billion tenge.

Use of payment cards. As of October 1, 2020, the number of payment cards in circulation in the region amounted to 1,834 thousand units (as of October 1, 2019 - 1,537.3 thousand units), the number of cardholders - 1,510 thousand people (as of October 1 of last year - 1,335 thousand people). There are 648 ATMs and 5,744 POS-terminals in the region.

In January-September 2020, 73,565.0 thousand transactions were made on non-cash payments using payment cards (an increase of 5.7 times compared to January-September 2019) in the amount of 936.0 billion tenge (an increase of 4, 8 times).

In January-September 2020, 9,434.4 thousand transactions were made to withdraw cash from a card account (a decrease by 18.6% compared to January-September 2019) in the amount of 523.2 billion tenge (a decrease by 5, one %).