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

 

          Atyrau branch of the National Bank of the RK

                                  PRESS RELEASE No. 11

December 11, 2020

 

 

 

Financial market condition of the

region as of November 1, 2020

Public service of the Atyrau branch of the National Bank of the Republic of Kazakhstan. 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-October 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 October 2020 to September 2020 amounted to 100.7%. The consumer price index for food products was at the level of 101.0%, for non-food products - 100.6% and for paid services - 100.3%.

In October 2020 by October 2019, the consumer price index was 107.1%.

Banking sector of the region. As of November 1, 2020, 19 * branches, 55 separate premises, 73 exchange offices of second-tier banks functioned in the region.

Regional credit market. In January-October 2020, branches of second-tier banks (hereinafter - STB) of the region issued loans in the amount of 292.6 billion tenge, which is less than in January-October 2019 by 18.8% or 67.6 billion tenge.

At the same time, the issuance of loans to legal entities decreased by 25.3% to 118.6 billion tenge, to individuals - by 13.6% to 174.0 billion tenge.

The issuance of loans in national currency decreased by 13.9% to 284.6 billion tenge, in foreign currency - by 72.8% to 8.0 billion tenge.

In January-October 2020, small businesses received loans in the amount of 23.7 billion tenge, which is 38.8% less than in January-October 2019.

For consumer purposes, citizens in January-October 2020 were issued 133.6 billion tenge, which is less than in January-October 2019 by 21.6%. At the same time, the share of consumer loans in the total volume of lending is 45.7%.

Mortgage loans issued to the population in January-October 2020 amounted to 22.6 billion tenge, an increase of 26.9% compared to the same period in 2019.

As of November 1, 2020, the debt on loans issued by branches of banks in the region amounted to 487.8 billion tenge, an increase of 9.6%.

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

compared to November 1, 2019. The indebtedness of individuals in the region as of November 1 of this year in comparison with the corresponding date of last year increased by 16.9% and amounted to 319.3 billion tenge, legal entities decreased by 2.0%, amounting to 168.5 billion tenge.

The debt of the population on mortgage loans as of November 1, 2020 amounted to 65.1 billion tenge, an increase of 26.9% compared to November 1, 2019.

Loan debt of small businesses as of November 1 of the current year compared with the corresponding date of 2019 decreased by 4.7% and amounted to 43.7 billion tenge.

The volume of overdue debt on loans as of November 1, 2020 compared to November 1, 2019 increased by 14.2% and amounted to 34.8 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 October 2020, the branches of second-tier banks attracted deposits for 596.5 billion tenge. At the same time, 32.7 billion tenge of deposits were attracted from individuals (a decrease in comparison with September 2020 by 2.4%), from legal entities - 563.8 billion tenge (an increase of 5.3%).

Balances on deposits in STB branches as of November 1, 2020 in comparison with November 1, 2019 increased by 24.5% and reached 410.9 billion tenge. At the same time, the balance of funds on deposits of individuals increased by 5.0%, and that of legal entities - by 67.3%. As of the indicated date, in the total amount of deposits in the region, the share of individuals amounted to 57.9% (238.1 billion tenge), legal entities - 42.1% (172.8 billion tenge).

As of November 1, 2020, the share of deposits in national currency amounted to 49.7% or 204.1 billion tenge, in foreign currency - 50.3% or 206.8 billion tenge.

As of November 1, the weighted average interest rate on deposits in the national currency was 8.0%, in foreign currency - 0.8%.

Foreign exchange market of the region. As of November 1, 2020, on the territory of the region, exchange operations with foreign currency were carried out by 99 exchange offices, of which 73 are authorized banks, 15 are branches of Kazpost JSC and 11 are authorized organizations.

In January-October 2020, exchange offices of the region bought 80.8 million US dollars from the population, which is 4.6% less than in 2019. Also purchased 2.6 million euros (a decrease of 64.9%), 710.9 million rubles. rubles (a decrease of 42.3%).

In January-October 2020, exchange offices of the region sold 211.1 million US dollars to the population, compared with January-October 2019, a decrease of 45.6%. In addition, 8.5 million euros were sold to the population (a decrease of 89.3%), 2,038.9 million Russian rubles (a decrease of 72.5%).

In October 2020, the weighted average buying and selling rates amounted to 429.5 and 432.14 tenge per 1 US dollar, 504.2 and 507.8 tenge per 1 euro, 5.52 and 5.60 tenge per 1 Russian ruble, respectively.

Volumes and balances of funds on current accounts. In January-October 2020, the volume of funds received on the current accounts of bank customers amounted to 13,790.3 billion tenge, which is 9.9% more compared to January-October 2019.

At the same time, over ten months, funds in the amount of 1,905.3 billion tenge were transferred to the accounts of individuals, which is 36.1% more than in January-October 2019.

As of November 1, 2020, the balances of clients' current accounts in STB branches, compared to the corresponding date of 2019, decreased by 19.4% and amounted to 190.2 billion tenge. At the same time, an increase of 17.7% to 34.6 billion tenge is observed on the accounts of individuals, the balances of funds on the accounts of legal entities decreased by 24.7% and amounted to 155.6 billion tenge.

Use of payment cards. As of November 1, 2020, the number of payment cards in circulation in the region amounted to 1,880 thousand units (as of November 1, 2019 - 1,563.2 thousand units), the number of cardholders - 1,517 thousand people (as of November 1 of last year - 1,379.6 thousand people). There are 648 ATMs and 5,744 POS terminals in the region.

In January-October 2020, 85,918.3 thousand transactions were made on non-cash payments using payment cards (an increase of 5 times compared to January-October 2019) in the amount of 1 080.9 billion tenge (an increase of 4.2 times).

In January-October 2020, 10,406.3 thousand transactions were made to withdraw cash from a card account (a decrease by 20% compared to January-October 2019) in the amount of 583.1 billion tenge (a decrease by 5.6%).