OFFICIAL
INTERNET-RESOURCE OF
THE AKIMAT OF
KYZYLORDA REGION

PRESS RELEASE #5
About the current situation of region financial market
summarizing the results of May 2016
 
July 7, 2016
Kyzylorda
 
Inflation 
According to official data of the Committee of statistic of the MNE of the Republic of Kazakhstan the consumer price index made up 100.5 % on May 2016 compared to the previous month of 2016. The price index for foods was equal to 100.1 %, non-foods – 100.1 %, paid services – 101.2 %.
Bank deposits 
The total volume of deposits as of June 1st 2016 in region bank system as compared to the relevant period in 2015 having increased by 41.2% and made out T87661.3 mln., including legal entity deposits – T26741.0 mln (increase by  25.3%); retail deposits – T60920.3 mln (increase by 49.5%).
The volume of foreign-currency deposits increased by 39.9% compared to the same period in 2015 till T50277.1 mln; in national currency – T37384.2 mln (increase by 43.0%). The share of Tenge deposits in comparison with the same period of 2015 has been increased from 42.1 % to 42.6 %.
Primarily the main part of personal savings (99.9%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 49.7 %, to T60835.4 mln.
As of June 01, 2016, the deposits average weighted reward rate compared to the same period of 2015 increased till 5.0% from 6.1%, provided that: retail deposits rate grew up from 4.9% to 6.2%, also legal entity deposits rate increased from 5.2% till 6.0%.
The local-currency deposits reward rate has grown by 3.4 p.p. up to 10.2%; in foreign-currency deposits reduced 0.6 p.p. to 3.1%.
Bank credits of economy 
As of 1st June 2016 the overall volume of bank credits to economy made up T137874.6 mln, went down to7.2% compared to the relevant period of the last year.
The legal entity credits made up T29548.0mln (- 5.0%), for individuals – T108326.6 mln (- 7.8%). The share of individual credits went down from 79.1% to 78.6%.
Within reporting period the national currency credits reduced to 9.6%. (T130151.6 mln), in foreign currency increased by 64.6% times (till T7723.0 mln). The relative share of tenge credits has dropped from 96.8% down to 94.4%.
The long-term crediting within reviewed period was cut down to 4.6% (T129393.8 mln); also short-term crediting down to 27.7% (T8480.8 mln). Accordingly the relative share of the long-term crediting made up 93.8% (92.1%).
The legal credit granting decreased by 19.9% till T18023.4 mln that made 13.1% out of overall bank granted credits of economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (7.1%), transport and communication (8.3%), industry (4.2%), construction (2.6%).
The loan arrears reduced to 19.5% and made out T8896.9 mln. The most share of debt arrears takes individual credits – 85.1% (T7570.3 mln).
On May 2016 the average weighted reward rate for granted credits was equal 18.6%, including in national currency to legal entities – 18.8%, individuals – 18.4%. The average weighted reward rate for small business credits was 18.7%.
Exchange market
As of June 1st 2016 there are 57 exchange offices including 43 exchange offices in authorized banks, 1 – exchange office in Kyzylorda Oblast Branch of Kazpochta JV and 13 of recognized organizations exchange offices in Kyzylorda oblast territory.
Within 5 months of Y2016 the oblast population sold/bought USD to the amount of USD 44519.7/59915.3 thousand. The same indicator for 5 months of 2015 made up USD 110656.4/49307.9 thousand. Average weighted exchange rate selling/buying for 5 months of 2016 was T355.12/346.82 (for the similar period of 2015 – T185.70/184.62).
Total volume of selling/buying of European currency for the period was EUR1252.9/815.3thousand (average weighted exchange rate of selling/buying – T390.21/386.97). In similar period of 2015 the volume of selling/buying was EUR1837.03/1435.7 thousand (under average weighted exchange rate of selling/buying – T208.20/203.63).
The sales volume of Russian Rouble made RUB228503.7 thousand, and buying – RUB393420.3 thousand (average weighted exchange rate of selling/buying – T4.94/4.72). In turn for 5 months of 2015 the volume of selling/buying made RUB753273.5/272480.3 thousand (average weighted exchange rate of selling/buying – T3.17/3.25). 
The sales volume of Chinese Yuan made CNY219.4 thousand, and buying – CNY205.3 thousand (average weighted exchange rate of selling/buying – T55.58/51.02). In turn for 5 months of 2015 the volume of selling/buying made CNY316.3/162.9 thousand (average weighted exchange rate of selling/buying – T30.78/28.82). 
Payment cards
As of June 1, 2016 compared to the same period of 2015 the number of cardholders in Kyzylorda region was decreased to 5.1% till 398.5 thousand, the number of payment cards issued into circulation also decreased to 6.6% till 435.2 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1 374 (+33.8%) units, the number of ATM 297 (-5.7%) units, banking kiosks/payment terminals 472 (+2.2%). Commercial offices that accept payment cards 728 (+45.9%).
On May 2016 the volume of transactions using payment cards issued in Kyzylorda region was 536.5 thousand transactions for the total amount T21760.5 mln.
On May 2016 the volume of payments by using payment cards increased compared to the same period of 2015 for 12.7% till T898.5 mln., the value of transactions decreased to 8.1% till 97.0 thousand transactions.
 
For more information, please call :
+7(724) 226 11 35
+7(724) 227 42 72
+7(724) 226 11 27

PRESS RELEASE #4
About the current situation of region financial market
summarizing the results of April 2016
 
JUNE 8,2016 
Kyzylorda
 
Inflation 
According to official data of the Committee of statistic of the MNE of the Republic of Kazakhstan the consumer price index made up 100.2 % on April 2016 compared to the previous month of 2016. The price index for foods was equal to 100.3 %, non-foods – 100.4 %, paid services – 100.1 %.
Monitoring results of enterprises of the real sector of economy
In order to value a situation in the real sector of oblast economy, on April 2016 Kyzylorda branch of National Bank of the Republic of Kazakhstan followed a monitoring to the enterprises of the real sector of economy (by the sums of the 1st quarter 2016).
For improving representatives in choosing enterprises, it was carried out a work for attracting new respondents of the oblast to the participation. In result, 206 oblast enterprises participated in monitoring, 117 of them are big and secondary enterprises. 
The result of the 1st quarter 2016 interrogatory the enterprises of the real sector of economy showed a keeping the tendency of negative influence of changing currency exchange to the foreign currencies, also as compared with  the 3rd quarter 2015, it is observing a continuing negative processes connecting with aggravation credit and business activity, expressing lowering demand for ready-made production, aggravation the conditions of credit and keeping the high credit interest rate in Tenge. Together with it, a reduction of value petroleum on the market got to the reduction of profitability of selling in mining branch.  Enterprises are on the expectation of aggravation the situation on the 1st quarter 2016, because of coming reduction of lowering demand for industrial production.
Investment activity of enterprises down to: a part of enterprises had using their own funds and bank credits decreased till 60.7% and 1.9% respectively. Also, the share of not financing investment enterprises increased till 36.4 % from 23.5 % on the 4th quarter 2015. 
Enterprises of return on sales on economy decreased till 33.7% from 38.1% from 4th quarter of 2015. The reason was reducing of indicators of drilling (till 40.1% from 47.4% as of 4th quarter 2015), losing of constructers, season factors and decreasing of demand (till-4.1% from 11.8% as of 4th quarter 2015).
In addition on 2nd quarter of 2016 respondents are waiting growing up economic situation, within increasing of demand to finished goods of all sectors of economy. 
Bank deposits 
The total volume of deposits in region bank system as compared to the relevant period in 2015 having increased by 27.7% and made out T80858.8 mln., including legal entity deposits – T21191.2 mln (decrease by 6.7%); retail deposits – T59667.6 mln (increase by 47.0%).
The volume of foreign-currency deposits increased by 28.7% compared to the same period in 2015 till T50332.4 mln; in national currency – T30526.4 mln (decreased till 26.1%). The share of Tenge deposits in comparison with the same period of 2015 has been reduced from 38.2 % to 37.8 %.
Primarily the main part of personal savings (99.8%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 47.2 %, to T59577.7 mln.
As of May 01, 2016, the deposits average weighted reward rate compared to the same period of 2015 increased till 5.6% from 4.6%, provided that: retail deposits rate grew up from 4.6% to 5.9%, also legal entity deposits rate increased from 4.5% till 5.0%.
The local-currency deposits reward rate has grown by 3.3 p.p. up to 9.7%; in foreign-currency deposits reduced 0.2 p.p. to 3.2%.
Bank credits of economy 
As of 1st May 2016 the overall volume of bank credits to economy made up T140516.9 mln, went down to 5.5% compared to the relevant period of the last year.
The legal entity credits made up T32072.2.6mln (+ 3.4%), for individuals – T108444.7 mln (- 7.9%). The share of individual credits went down from 79.1% to 77.2%.
Within reporting period the national currency credits reduced to 7.8%. (T132641.9 mln), in foreign currency increased by 1.6 times (till T7875.0 mln). The relative share of tenge credits has dropped from 96.8% down to 94.4%.
The long-term crediting within reviewed period was cut down to 4.6% (T130742.5 mln); also short-term crediting down to 16.4% (T9774.4 mln). Accordingly the relative share of the long-term crediting made up 92.1% (93.1%).
Small business credit granting decreased by 17.7% till T18731.9 mln that made 13.3% out of overall bank granted credits of economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (6.7%), transport and communication (7.5%), industry (5.3%), construction (3.3%).
The loan arrears reduced to 12.4% and made out T9212.7 mln. The most share of debt arrears takes individual credits – 84.4% (T7773.7 mln).
On April 2016 the average weighted reward rate for granted credits was equal 18.3%, including in national currency to legal entities – 18.1%, individuals – 18.4%. The average weighted reward rate for small business credits was 18.4%.
Exchange market
As of 01st May 2016 there are 59 exchange offices including 45 exchange offices in authorized banks, 1 – exchange office in Kyzylorda Oblast Branch of Kazpochta JV and 13 of recognized organizations exchange offices in Kyzylorda oblast territory.
Within 4 months of Y2016 the oblast population sold/bought USD to the amount of USD 39611.8/50971.0 thousand. The same rate in 4 months of 2015 made up USD 95605.7/38473.3 thousand. Average weighted exchange rate selling/buying for 4 months of 2016 was T353.73/349.93 (for the similar period of 2015 – T185.60/184.43).
Total volume of selling/buying of European currency for the period was EUR992.3/694.5thousand (average weighted exchange rate of selling/buying – T392.77/387.70). In similar period of 2015 the volume of selling/buying was EUR1490.3/1330.5 thousand (under average weighted exchange rate of selling/buying – T208.13/203.44).
The sales volume of Russian Rouble made RUR184535.9 thousand, and buying – RUR338873.1 thousand (average weighted exchange rate of selling/buying – T4.91/4.67). In turn for 4 months of 2015 the volume of selling/buying made RUR700512.6/195897.6 thousand (average weighted exchange rate of selling/buying – T3.13/3.12). 
Payment cards
As of May 1, 2016 compared to the same period of 2015 the number of cardholders in Kyzylorda region was decreased to 4.4% till 396.5 thousand, the number of payment cards issued into circulation also decreased to 4.3% till 439.5 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1 330 (+33.7%) units, the number of ATM 292 (-8.2%) units, banking kiosks/payment terminals 459 (+10.3%). Commercial offices that accept payment cards 672 (+37.7%).
On April 2016 the volume of transactions using payment cards issued in Kyzylorda region was 504.2 thousand transactions for the total amount T21008.6 mln.
On April 2016 the volume of payments by using payment cards decreased compared to the same period of 2015 for 6.5% till T926.5 mln ., the value of transactions increased to 16.6% till 94.4 thousand transactions.
 
For more information, please call :
+7(724) 226 11 35
+7(724) 227 42 72
+7(724) 226 11 27
 

PRESS RELEASE #3
About the current situation of region financial market
summarizing the results of March 2016
 
May 11, 2016 
Kyzylorda
 
Inflation 
According to official data of the Committee of statistic of the MNE of the Republic of Kazakhstan the consumer price index made up 100.9 % on March 2016 compared to the previous month of 2016. The price index for foods was equal to 101.3 %, non-foods – 100.3 %, paid services – 100.1 %.
Monitoring results of enterprises of the real sector of economy
In order to value a situation in the real sector of oblast economy, in January 2016 Kyzylorda branch of National Bank of the Republic of Kazakhstan followed a monitoring to the enterprises of the real sector of economy (by the sums of the 4th quarter 2015).
For improving representatives in choosing enterprises, it was carried out a work for attracting new respondents of the oblast to the participation. In result, 200 oblast enterprises participated in monitoring, 111 of them are big and secondary enterprises. 
By the sums of the 4th quarter 2015 interrogatory the enterprises of the real sector of economy showed a keeping the tendency of negative influence of changing currency exchange to the foreign currencies, also as compared with  the 3rd quarter 2015, it is observing a continuing negative processes connecting with aggravation credit and business activity, expressing lowering demand for ready-made production, aggravation  the conditions of credit and keeping the high credit interest rate in Tenge. Together with it, a reduction of value petroleum on the market got to the reduction of profitability of selling in mining branch. Enterprises are on the expectation of aggravation the situation on the 1st quarter 2016, because of coming reduction of lowering demand for industrial production. Investment activity of enterprises grew on: a part of enterprises had using their own funds, increased from 65.8 % to 73.0 % on the 3rd quarter 2015. Also, a part of them, had not financing investment, reduced from 31.7 % to 23.5 % on the 3rd quarter 2015. 
In the real sector of economy a part of low liquid enterprises reduced from 44.2 % on the 3rd quarter 2015 to 40.7 % on the 4th quarter 2015.
Deposit market as of April 01, 2016 
The total volume of deposits in region bank system as compared to the relevant period in 2015 having increased by 28.3% and made out T84875.2mln, including legal entity deposits – T23427.1mln (decrease by 6.0%); retail deposits – T61448.1 mln (increase by 49.0%).
The volume of foreign-currency deposits increased by 51.7% compared to the same period in 2015 till T56066.2 mln; in national currency – T28809.0 mln (decreased till 1.3%). The relative share of Tenge deposits in comparison with the same period of 2015 has been reduced from 44.1 % to 33.9 %.
Primarily the main part of personal savings (99.8%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 49.1 %, to T61355.7 mln.
As of April 01, 2016, the deposits average weighted reward rate compared to the same period of 2015 decreased from 5.4% till 5.2%, provided that: retail deposits rate grew up from 5.0% to 5.3%, legal entity deposits rate decreased from 6.1% till 4.8%.
The local-currency deposits reward rate has grown by 1.6 p.p. up to 9.3%; in foreign-currency deposits reduced 0.4 p.p. to 3.1%.
 
Bank credits to economy as of April 01, 2016
The overall volume of bank credits to economy made up T145209.8 mln, went down to 1.4% compared to the relevant period of the last year.
The legal entity credits made up T36342.6mln (+ 20.8%), for individuals – T 108867.2 mln (- 7.1%). The relative share of individual credits went down from 79.6% to 75.0%.
Within reporting period the local-currency credits reduced to 4.0%. (T136599.7 mln), in foreign currency– by 1.8 times (till T8610.1 mln). The relative share of tenge credits has dropped from 96.7% down to 94.1%.
The long-term crediting within reviewed period was cut down to 3.0% (T132530.5 mln); short-term crediting growing up to 19.5% (T12679.3 mln). Accordingly the relative share of the long-term crediting made up 92.8% (91.3%).
Small business credit granting increased by 8.3% up to T22988.2 mln that made 15.8% out of overall bank granted credits of economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (7.3%), transport and communication (7.4%), industry (5.0%), construction (5.3%).
The loan arrears reduced to 13.3% and made out T8938.1 mln. The most relative share of debt arrears takes individual credits – 86.0% (T7685.8 mln).
On March 2016 the average weighted reward rate for granted credits was equal 17.9%, including in local currency to legal entities – 18.3%, individuals – 18.1%. The average weighted reward rate for small business credits was 18.5%.
Exchange market
As of 01 April 2016 there are 57 exchange offices including 43 exchange offices in authorized banks, 1 – exchange office in Kyzylorda Oblast Branch of Kazpochta JV and 13 of recognized organizations exchange offices in Kyzylorda oblast territory.
Within 3 months of Y2016 the oblast population sold/bought USD to the amount of USD 33812.8/37058.5 thousand. The same rate in 3 months of 2015 made up USD 59291.1/28749.6 thousand. Average weighted exchange rate selling/buying for 3 months of 2016 was T361.41/356.05 (for the similar period of 2015 – T185.18/184.16).
Total rate of selling/buying of European currency for the period was EUR825.5/517.4 thousand (average weighted exchange rate of selling/buying – T394.52/392.53). In similar period of 2015 the volume of selling/buying was EUR981.5/1194.4 thousand (under average weighted exchange rate of selling/buying – T210.50/203.75).
The sales of Russian Rouble made RUR 139422.0 thousand, and buying – RUR 254313.5 thousand (average weighted exchange rate of selling/buying – T4.83/4.60). In turn for 3 months of 2015 the volume of selling/buying made RUR 552497.2/94698.3 thousand (average weighted exchange rate of selling/buying – T3.01/2.87). 
Payment cards
As of April 1, 2016 compared to the same period of 2015 the number of cardholders in Kyzylorda region was decreased to 2.8% till 400.3 thousand, the number of payment cards issued into circulation also decreased to 2.3% till 444.7 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1 302 (+37.1%) units, the number of ATM 292 (-6.7%) units, banking kiosks/payment terminals 463 (+11.3%). Commercial offices that accept payment cards 659 (+40.5%).
On March 2016 the volume of transactions using payment cards issued in Kyzylorda region was 555.2 thousand transactions for the total amount T21529.6 mln.
On March 2016 the volume of payments by using payment cards increased compared to the same period of 2015 for 55.5% till T1348.1 mln ., also the value of transactions increased to 13.8% till 140.4 thousand transactions.
 
For more information, please call :
+7(724) 226 11 35
+7(724) 227 42 72
+7(724) 226 11 27
 

KYZYLORDA BRANCH 
OF NATIONAL BANK 
OF THE REPUBLIC OF KAZAKHSTAN
PRESS RELEASE #2
APRIL 8, 2016
 
Re current situation in oblast financial market summarizing the results of February 2016
 
Inflation 
According to official data of the Committee of statistic of the MNE of the Republic of Kazakhstan the consumer price index made up 100.4 % in February 2016 compared to the previous month. The price index for food equals to 100.6 %, non-foods – 100.3 %, paid services – 100.1 %.
Monitoring results of enterprises of the real sector of economy
In order to value a situation in the real sector of oblast economy, in January 2016 Kyzylorda branch of National Bank of the Republic of Kazakhstan followed a monitoring to the enterprises of the real sector of economy (by the sums of the 4th quarter 2015).
For improving representatives in choosing enterprises, it was carried out a work for attracting new respondents of the oblast to the participation. In result, 200 oblast enterprises participated in monitoring, 111 of them are big and secondary enterprises. 
By the sums of the 4th quarter 2015 interrogatory the enterprises of the real sector of economy showed a keeping the tendency of negative influence of changing currency exchange to the foreign currencies, also as compared with  the 3rd quarter 2015, it is observing a continuing negative processes connecting with aggravation credit and business activity, expressing lowering demand for ready-made production, aggravation  the conditions of credit and keeping the high credit interest rate in Tenge. Together with it, a reduction of value petroleum on the market got to the reduction of profitability of selling in mining branch.  Enterprises are on the expectation of aggravation the situation on the 1st quarter 2016, because of coming reduction of lowering demand for industrial production. Investment activity of enterprises grew on: a part of enterprises had using their own funds, increased from 65.8 % to 73.0 % on the 3rd quarter 2015. Also, a part of them, had not financing investment, reduced from 31.7 % to 23.5 % on the 3rd quarter 2015. 
In the real sector of economy a part of low liquid enterprises reduced from 44.2 % on the 3rd quarter 2015 to 40.7 % on the 4th quarter 2015.
Deposit market as of March 01, 2016 
The total volume of deposits in oblast bank system as compared to the relevant period in Y2015 having increased by 28.2% and made out T82962.1mln, including legal entity deposits – T21945.7mln (increase by 5.2%); retail deposits – T61016.4 mln (increase by 46.8%).
The volume of foreign-currency deposits made out T56975.6 mln, having increased by 44.8% compared to the same period in Y2015; in national currency – T25986.5 mln (reduction by 2.4%). The relative share of tenge deposits in comparison with appropriate period of Y2015 has been reduced from 39.2 % down to 31.3 %.
Primarily the main part of personal savings (99.9%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 47.0 %, to T60926.7 mln.
As of March 01, 2016, the deposits average weighted reward rate remained unchanged and made up 4.7%, provided that: retail deposits rate grew up 4.8%, to 4.9% legal entity deposits rate increased from 4.6% to 4.4%.
The local-currency deposits reward rate has grown by 1.7 p.p. up to 8.4%; in foreign-currency deposits reduced 0.4 p.p. to 3.0%.
 
Bank credits to economy as of March 01, 2016
The overall volume of bank credits to economy made up T144789.0 mln, went down to 1.1% compared to the relevant period of the last year.
The legal entity credits made up T34756.1mln (+ 21,9%), for individuals – T 110032.9 mln (- 6,6%). The relative share of individual credits went down from 80.5% to 76.0%.
Within reporting period the local-currency credits reduced to 5.2%. (T135794.4 mln), in foreign currency– by 2.9 times (to T8994.6 mln). The relative share of tenge credits has dropped from 97.9% down to 93.8%.
The long-term crediting within reviewed period was cut down to 1.4% (T133772.6 mln); short-term crediting rose to 3.0% (T11016.4 mln). Accordingly the relative share of the long-term crediting made up 92.4% (92.7%).
Small business credit granting increased by 19.3% up to T23102.0 mln that made 16.0% out of overall bank credits granted to economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (7.3%), transport and communication (7.0%), industry (4.1 %), construction (5.5%).
The loan arrears reduced to 11.6% and made out T9407.8 mln. The most relative share of debt arrears takes individual credits – 86.3% (T8115.4 mln).
In February 2016 the average weighted reward rate for granted credits compiled 17.8%, including in local currency to legal entities – 22.6%, individuals – 17.7%. The average weighted reward rate for small business credits made up 17.4
Exchange market
There are 58 exchange offices including 44 exchange offices in authorized banks, 1 – exchange office in Kyzylorda OF AO Kazpochta and 13 of recognized organizations as of 01 March 2016 over Kyzylorda oblast territory.
Within 2 months of Y2016 the oblast population sold/bought USD to the amount of USD 25315,0/25952,5 thousand. The same rate in 2 months of Y2015 made up USD 41796,4/18272,1 thousand. Average weighted exchange rate selling/buying for 2 months of Y2016 was T366,67/362,51 (for the similar period in Y2015 – T184,95/183,82).
Total rate of selling/buying of European currency for the period was EUR 494,7/411,5 thousand (under average weighted exchange rate of selling/buying – KZT 400,32/395,84). In the similar period of Y2015 the volume of selling/buying was EUR 688,4/429,2 thousand (under average weighted exchange rate of selling/buying – KZT 213,81/210,25).
The sales of Russian Rouble made RUR 96246,2 thousand, and buying – RUR 151737,7 thousand (under average weighted exchange rate of selling/buying – KZT 4,77/4,54). In turn for 2 months of Y2015 the volume of selling/buying made RUR 413412,3/54937,6 thousand (under average weighted exchange rate of selling/buying – KZT 2,94/2,77). 
Payment cards
As of March 1, 2016 compared to the same period of 2015 the number of cardholders in Kyzylorda region was decreased to 0.5% till 409.3 thousand, the number of payment cards issued into circulation also  decreased to 0.2% till 454.9 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1 284 (+37.3%) units, the number of ATM 292 (-4.9%) units, banking kiosks/payment terminals 475 (+9.7%). Commercial offices that accept payment cards 650 (+41.3%).
On February 2016 the volume of transactions using payment cards issued in Kyzylorda region was 530.5 thousand transactions for the total amount 21 456.1 mln. Tenge
On February 2016 the volume of payments by using payment cards increased compared to the same period of 2015 for 63.4% till 1 202.7 mln .Tenge, also the value of transactions increased to 18.7% till 141.9 thousand transactions.

KYZYLORDA BRANCH 
OF NATIONAL BANK 
OF THE REPUBLIC OF KAZAKHSTAN
PRESS RELEASE #11
JANUARY 11, 2016
 
Re current situation in oblast financial market summarizing the results of November 2015
 
Inflation 
According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index made up 105.0% in November 2015 compared to the previous month. The price index for food equals to 104.4%, non-foods – 108.6%, paid services – 101.9%.
The results of enterprises monitoring in real sector of economy 
Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in October 2015 in order to assess the situation of oblast real economy (based on the 3st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 202 oblast enterprises been monitored including 114 large and medium-sized enterprises.
The results of enterprises monitoring held in the third quarter of Y2015 showed the growth of enterprises investment activity: the share of enterprises using own funds to investment increased up to 65.8% from 46.5% in the second quarter of Y2015. Also the share of enterprises that did not finance the investment has significantly reduced (down to 31.7% from 50.0% in the second quarter of Y2015) and the share of enterprises using the bank credits to investment slightly decreased (down to 3.5% from 4.0% in the second quarter of Y2015). 
In the third quarter of Y2015 the relative share of enterprises having overdue accounts payable over 90 days has reduced to 15.8% from 23.3% in the second quarter of Y2015, overdue accounts receivable – to 22.3% from 24.8% in the second quarter of Y2015.
The average bank loan term in foreign currency have increased (to 36 months from 32.4 months in the second quarter of Y2015).
In the third quarter of Y2015 the bank liquidity ratio (current ratio) in average over economy oblast has increased and made up 1.3. In real sector of economy the share of low-liquid enterprises has slightly reduced (CLR (current liquidity ratio)<1) from 44.8% in the second quarter of Y2015 to 44.2% in the third quarter of Y2015. 
As noted by respondents the financial state of real sector has mildly improved in the third quarter of Y2015: the share of unprifitable and low-margin enterprises reduced (down to 19.7% from 23.3% in the second quarter of Y2015), the share of highly profitable enterprises increased to 37.3% from 32.6% in the second quarter of Y2015.
Deposit market as of December 01, 2015 
The total volume of deposits in oblast bank system as compared to the relevant period in Y2014 having increased by 31.4% and made out T85922.5 mln, including legal entity deposits – T33044.6 mln (increase by 24.8%); retail deposits – T52877.9 mln (increase by 35.8%).
The volume of foreign-currency deposits made out T63489.0 mln, having increased by 65.1% compared to the same period in Y2014; in national currency – T22433.5 mln (reduction by 16.8%). The relative share of tenge deposits in comparison with appropriate period of Y2014 has been reduced from 41.2% down to 26.1%.
Primarily the main part of personal savings (99.8%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 36.2%, to T52767.5 mln.
As of December 01, 2015, the deposits average weighted reward rate grew from 4.2% to 4.4%, provided that: retail deposits rate went down from 4.7% to 4.4%, legal entity deposits rate increased from 3.5% to 4.4%.
The local-currency deposits reward rate has grown by 2.2 p.p. up to 7.8%; in foreign-currency deposits remained unchanged, made up 16.6%.
Bank credits to economy as of December 01, 2015
The overall volume of bank credits to economy made T150340,7 mln, being increased by 3,6% compared to the relevant period of the last year.
The legal entity credits rose up 22.2%  to T34082.0 mln, for individuals – up 0.8% to T116258.7 mln. The relative share of individual credits went down from 80.8% to 77.3%.
Within reporting period the local-currency credits grew to 0.4% up (to T143138.6 mln), in foreign currency – by 2.8 times (to T7202.1 mln). The relative share of tenge credits has dropped from 98.2% down to 95.2%.
The long-term crediting within reviewed period increased by 2.9% up to T140038.7 mln; short-term crediting rose to 13.6% up to T10302.0 mln. Accordingly the relative share of the long-term crediting went down from 93.7% to 93.1%.
Small business credit granting as of December 01, 2015, increased by 14.2% up to T21285.9 mln that made 14.2% out of overall bank credits granted to economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (6.3%), transport and communication (6.4%), industry (4.4%), construction (5.3%).
The loan arrears increases by 2.8% and made out T10107.4 mln. The most relative share of debt arrears takes individual credits – 89.3% (T9023.9 mln).
In November 2015 the average weighted reward rate for granted credits compiled 16.7%, including in local currency to legal entities – 16.7%, individuals – 16.7%. The average weighted reward rate for small business credits made up 16.6
Exchange market
There are 59 exchange offices including 45 exchange offices in authorized banks, 1 – exchange office in Kyzylorda OF AO Kazpochta and 13 of recognized organizations as of 01 December 2015 over Kyzylorda oblast territory.
Within 11 months of Y2015 the oblast population sold/bought USD to the amount of USD242124.1/125890.6 thousand. The same rate in 11 months of Y2014 made up USD 287587.4/86103.1 thousand. Average weighted exchange rate selling/buying for 11 months of Y2015 was T213.80/217.93 (for the similar period in Y2014 – T180.05/179.94).
Total rate of selling/buying of European currency for the period was EUR 4622.7/2976.5 thousand (under average weighted exchange rate of selling/buying – KZT 252.72/246.31). In the similar period of Y2014 the volume of selling/buying was EUR 7876.5/2078.1 thousand (under average weighted exchange rate of selling/buying – KZT 238.81/229.02).
The sales of Russian Rouble made RUR1210339.3 thousand, and buying – RUR 806959.7 thousand (under average weighted exchange rate of selling/buying – KZT 3.43/3.59). In turn for 11 months of Y2014 the volume of selling/buying made RUR 371138.5/1431215.8 thousand (under average weighted exchange rate of selling/buying – KZT 4.88/4.96). 
Payment cards
As of December 1, 2015 compared to the same period of 2014 the number of cardholders in Kyzylorda region was increased by 1.3% to 420.1 thousand, the number of payment cards issued into circulation increased to 2.1% to 468.3 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1215 (+41.8%) units, the number of ATM 281 (-8.5%) units, banking kiosks/payment terminals 470 (+30.2%). Commercial offices that accept payment cards 572 (+37.2%).
On November 2015 the volume of transactions using payment cards issued in the Kyzylorda region was 471.3 thousand transactions for the total amount 18 067.6 mln. Tenge
On November 2015 the volume of payments by using payment cards decreased compared to the same period of 2014 for 3.8% till 980.3 mln .Tenge, also the value of transactions decreased till 5.4% till 99.6 thousand transactions.
 

KYZYLORDA BRANCH 
OF NATIONAL BANK 
OF THE REPUBLIC OF KAZAKHSTAN
PRESS RELEASE #10
DESEMBER 11, 2015
 
Re current situation in oblast financial market summarizing the results of October 2015
 
Inflation 
According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index made up 105.1% in October 2015 compared to the previous month. The price index for food equals to 103.7%, non-foods – 111.8%, paid services – 100.5%.
The results of enterprises monitoring in real sector of economy 
Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in October 2015 in order to assess the situation of oblast real economy (based on the 3st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 202 oblast enterprises been monitored including 114 large and medium-sized enterprises.
The results of enterprises monitoring held in the third quarter of Y2015 showed the growth of enterprises investment activity: the share of enterprises using own funds to investment increased up to 65.8% from 46.5% in the second quarter of Y2015. Also the share of enterprises that did not finance the investment has significantly reduced (down to 31.7% from 50.0% in the second quarter of Y2015) and the share of enterprises using the bank credits to investment slightly decreased (down to 3.5% from 4.0% in the second quarter of Y2015). 
In the third quarter of Y2015 the relative share of enterprises having overdue accounts payable over 90 days has reduced to 15.8% from 23.3% in the second quarter of Y2015, overdue accounts receivable – to 22.3% from 24.8% in the second quarter of Y2015.
The average bank loan term in foreign currency have increased (to 36 months from 32.4 months in the second quarter of Y2015).
In the third quarter of Y2015 the bank liquidity ratio (current ratio) in average over economy oblast has increased and made up 1.3. In real sector of economy the share of low-liquid enterprises has slightly reduced (CLR (current liquidity ratio)<1) from 44.8% in the second quarter of Y2015 to 44.2% in the third quarter of Y2015. 
As noted by respondents the financial state of real sector has mildly improved in the third quarter of Y2015: the share of unprifitable and low-margin enterprises reduced (down to 19.7% from 23.3% in the second quarter of Y2015), the share of highly profitable enterprises increased to 37.3% from 32.6% in the second quarter of Y2015.
Deposit market as of November 01, 2015 
The total volume of deposits in oblast bank system as compared to the relevant period in Y2014 having increased by 18.1% and made out T74530.7mln, including legal entity deposits – T24806.2 mln (increase by 2.6%); retail deposits – T49724.5mln (increase by 27.8%).
The volume of foreign-currency deposits made out T49393.0 mln, having increased by 51.3% compared to the same period in Y2014; in national currency – T25137.7 mln (reduction by 17.4%). The relative share of tenge deposits in comparison with appropriate period of Y2014 has been reduced from 48.3% down to 33.7%.
Primarily the main part of personal savings (99.8%) is distributed on deposit accounts. Compared to the relevant period of the previous year the deposit accounts of the population have grown up to 28.1%, to T49608.4mln.
As of November 01, 2015, the deposits average weighted reward rate grew  from 4.8% to 4.9%, provided that: retail deposits rate went down from 5.5% to 4.5%, legal entity deposits rate increased from 3.7% to 5.8%.
The local-currency deposits reward rate has grown by 2.1 p.p. up to 8.1%; in foreign-currency deposits reduced by 0.3 p.p down to 3.3%.
Bank credits to economy as of November 01, 2015
The overall volume of bank credits to economy made T150254,8 mln, being increased by 8,0% compared to the relevant period of the last year.
The legal entity credits rose up 55,8%  to T33559,8 mln, for individuals – up 0.8% to T116695,0 mln. The relative share of individual credits went down from 84.5% to 77.7%.
Within reporting period the local-currency credits grew to 5.0% up to T143392.1 mln, in foreign currency – by 2.6 times to T6862.7 mln. The relative share of tenge credits has dropped from 98.1% down to 95.4%.
The long-term crediting within reviewed period increased by 6.8% up to T140,749.4 mln; short-term crediting rose to 29.5% up to T9505.4 mln. Accordingly the relative share of the long-term crediting went down from 94.7% to 93.7%.
Small business credit granting as of November 01, 2015, increased by 57.3% up to T19770.6 mln that made 13.2% out of overall bank credits granted to economy.
The substantial amount of principal debt in industrial breakdown falls to such sectors as trade (6.1%), transport and communication (5.9%), industry (4.5%), construction (4.6%).
The loan arrears decreased by 0.5% and compared to T10741.2 mln. The most relative share of debt arrears takes individual credits – 84.5% (T9072.6 mln).
In October 2015 the average weighted reward rate for granted credits compiled 16.8% (in October 2014 – 18.4%) including in local currency to legal entities – 15.9% (in October 2014 – 12.3%), individuals – 17.4% (20.2%). The average weighted reward rate for small business credits rose from 13.3% to 15.9% compared to October 2014.
Exchange market
There are 60 exchange offices including 46 exchange offices in authorized banks, 1 – exchange office in Kyzylorda OF AO Kazpochta and 13 of recognized organizations as of 01 November 2015 over Kyzylorda oblast territory.
Within 10 months of Y2015 the oblast population sold/bought USD to the amount of USD223789.2/112977.7 thousand. The same rate in 10 months of Y2014 made up USD 260039.7/78211.2thousand. Average weighted exchange rate selling/buying for 10 months of Y2015 was T206.90/209.00 (for the similar period in Y2014 – T179.91/179.89).
Total rate of selling/buying of European currency for the period was EUR 4009.4/2576.5 thousand (under average weighted exchange rate of selling/buying – KZT 241.67/234.53). In the similar period of Y2014 the volume of selling/buying was EUR 7287.6/1994.2 thousand (under average weighted exchange rate of selling/buying – KZT 239.78/229.23).
The sales of Russian Rouble made RUR1158081.5 thousand, and buying – RUR 703301.2 thousand (under average weighted exchange rate of selling/buying – KZT 3.37/3.46). In turn for 10 months of Y2014 the volume of selling/buying made RUR 310199.9/1364742.9 thousand (under average weighted exchange rate of selling/buying – KZT 5.05/5.01).
Payment cards
As of November 1, 2015 compared to the same period of 2014 the number of cardholders in Kyzylorda region was increased by 2.6% to 421.9 thousand, the number of payment cards issued into circulation increased to 6.2% to 471.5 thousand units.
Infrastructure of payment cards services was following: the number of POS-terminals 1170 (+50.6%) units, the number of ATM 278 (-9.4%) units, banking kiosks/payment terminals 488 (+28.4%). Commercial offices that accept payment cards 543 (+57.8%).
On October 2015 the volume of transactions using payment cards issued in the Kyzylorda region was 484.9 thousand transactions for the total amount 18 856.9 mln. Tenge
On October 2015 the volume of payments by using payment cards decreased compared to the same period of 2014 for 23.8% till 855.3 mln .Tenge, also the value of transactions decreased till 16.2% till 100.4 thousand transactions.

KYZYLORDA BRANCH OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

press release №6

august 5, 2015

 

Re current situation in oblast financial market summarizing the results of June 2015

Inflation

According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index over Kyzylorda oblast made up 105.5% in January-June 2015 compared to the same period in Y2014. The food price increased by 5.3%, non-foods – by 3.9%, paid services rendered to the population – by 7.4%.

The results of enterprises monitoring in real sector of economy

Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in April 2015 in order to assess the situation of oblast real economy (based on the 1st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 201 oblast enterprises been monitored including 115 large and medium-sized enterprises.

According to the 1st quarter of Y2015 monitoring data the enterprises investment activies grown up: the ratio of enterprises using its own funds for investment increased from 57.3% in 4th quarter of Y2014 up to 73.6%, and the share of enterprises using bank credits increased by 5.5%.

In the 1st quarter of Y2015 the credits’ average rate of interests in KZT and foreign currency has slightly changed: grown from 11.8% in 4th quarter of Y2014 up to 13.6% in KZT, and foreign currency - from to 8.4% in 4th quarter Y2014 up to 9.0% in Y2015. Average time of bank credit arrangement in KZT and foreign currency noticeably increased (from 19.3 months in 4rd quarter Y2014 up to 22.3 months in the 1st quarter Y2015 and from 27 to 29.3 months accordingly).

However, the main source of working capital financing is the equity capital as it was before (94.0% of respondents).

The business activity has slightly decreased in the 1st quarter of Y2015: the turnover of current assets from 48.3% in 4th quarter of Y2014 down to 40.8%; the turnover of assets – from 16.3% down to 13.7%.

The financial performance of the real sector has slightly went down in the 1st quarter of Y2015: the share of unprofitable and low-margin enterprises increased (from 18.6% in 4th quarter of Y2014 to 30.8%), the share of average-profitable enterprises decreased from 40.2% in 4th quarter of Y2014 down to 35.7%. Also the high-margin share went down to 33.5% (from 41.2% in 4th quarter of Y2014).

Profitability of sales on average over oblast economy was significantly reduced (from 34% in 4th quarter of Y2014 to 22.3% in the 1st quarter of Y2015) due to fall in mining production (from 60.4% in 4th quarter of Y2014 down to 48.1% in the 1st quarter of Y2015).

Deposits in banks

The situation of deposit market over oblast in total looked stable in current June.

As of 01 July 2015, the overall volume of deposits in oblast bank system is KZT57462.1 mln; i.e. higher for 0.3% compared to the rates of Y2014. The growth of deposits is specified by expanstion of deposits for population by 5.1% up to KZT40559.3 mln; and herewith the legal entity deposits recorded decreasing by 9.4% down to KZT16902.8 mln.

The structure of currency type deposits decreased in national currency by 27.7% down to KZT26348.2 mln, whereas foreign currency deposits grown up for 49.5% up to KZT31113.9 mln. As a result the relative share of KZT deposits compared to relevant period in Y2014 was decreased from 63.7% to 45.9%.

As before the largest part of population savings (99.7%) is allocated to fixed period deposits. In comparison with the relative periods of the previous year the fixed period deposits of population increased to 5.2, up to KZT40433.2 mln.

As of 2015.07.01 the average weighted rate of return on deposits decreased from 5.2% to 4.7% including: legal entity deposits increased – from 4.0% to 4.3%; retail deposits from decreased – 5.8% to 4.9%. The rate of return in national currency deposits increased by 0.3 pp, to 6.1%, and decreased in foreign currency to 0.6 pp, down to 3.5%.

Bank economy credits

As of 01 July 2015, the volume of bank economy credits compared to the relative period in previous year increased to 10.8%, KZT 144268.0  mln.

Legal entity credits grown up to 58.1%, KZT31259.0 mln; consumers – up to 2.4%, KZT113009.0 mln. Relative share of consumer credits decreased from 84.8% down to 78.3%.

Credits in national currency for reporting period grown up to 8.6% (KZT 139289.7 mln), in foreign currency – for 2.6 times (KZT 4978.3 mln). Relative share of KZT credits down from 98.5 to 96.5%

Long-term crediting for review period increased to 7.6%, KZT 132011.8 mln; short-term increased to 64.6%, KZT 12256.2 mln. Accordingly, the relative share of long-term credits decreased from 94.2% to 91.5%.

Small business enterprise crediting as of 2015.07.01 increased to 60.6%, KZT 17242.5 mln; that is 12% of overall volume of economy credits.

The industrial breakdown shows the most significant amount of the major debt in such sectors as trade (5.7%), transportation and communication (5.3%), industry (5.2%), construction (4.4%), agricultural (0.4%).

In June 2015, the average weighted rate of return on issued credits made up 16.3% (in June 2014 – 18.0%), including in national currency for legal entities – 15.0% (in June 2014 – 12.5%), consumers – 16.7% (20.1%). The average weighted rate of return on credits issued to small business enterprises increased to 16.1% (in June 2014 – 13.3%).

As of 01 July 2015, credit arrears grown up to KZT 10540.3 mln, it is more than in relative periods of Y2014 for 14.9%. The most relative share of arrears falls to consumer credits – 84.4% (KZT 8893.9 mln) against 82.2% (KZT 7545.6 mln) in relative period of 2014.

Exchange market

There are 62 exchange offices including 49 in banks and 13 of recognized organizations as of 01 July  2015 over Kyzylorda oblast territory.

Within 6 months of Y2015 the oblast population sold/bought USD to the amount of USD 128905.9/62070.2 thousand. The same rate in 6 months of Y2014 made up USD 140088.6/43464.8 thousand. Average weighted exchange rate selling/buying for 6 months of Y2015 was KZT 185.81/184.80 (for the similar period in Y2014 – KZT 177.42/178.37).

Total rate of selling/buying of European currency for the period was EUR 2089.6/1535.7 thousand (under average weighted exchange rate of selling/buying – KZT 208.29/203.79). In the similar period of Y2014 the volume of selling/buying was EUR 4176.3/1376.9 thousand (under average weighted exchange rate of selling/buying – KZT 240.45/225.27).

The sales of Russian Rouble made RUR 815899.9 thousand, and buying – RUR 372098.0 thousand (under average weighted exchange rate of selling/buying – KZT 3,20/3.27). For comparison: for 6 months of Y2014 the volume of selling/buying made RUR 167432.6/874302.7 thousand (under average weighted exchange rate of selling/buying – KZT 5.12/5.09).

Debit cards

As of 01 July 2015 and compared to the similar period in Y2014 the number of debit card holders over Kyzylorda oblast increased by 2.96% up to 410.4 thousand people; number of credit cards outstanding – by 4.42%, up to 458.1 thousand units.

Infrastructure of credit card servicing over oblast is as follows: the number of POS-terminals 1075 (+49.31%) units, imprinters - 3 units (no changes), ATM 270 (+10.66%) units, bank stands/payment terminals 462 (+237.23%). Trade outlets approved for card payments – 516 (+70.3%).

Volume of cashless payments of debit cards over Kyzylorda oblast decreased by 12% and made up KZT 109.2 thousand transactions, the sum increased to 40% and made up KZT 109.2 mln.

 


KYZYLORDA BRANCH OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

press release №5

july 13, 2015

 

Re current situation in oblast financial market summarizing the results of may 2015

Inflation

According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index over Kyzylorda oblast made up 105.8% in January-May 2015 compared to the same period in Y2014. The food price increased by 5.8%, non-foods – by 4.1%, paid services rendered to the population – by 7.6%.

The results of enterprises monitoring in real sector of economy

Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in April 2015 in order to assess the situation of oblast real economy (based on the 1st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 201 oblast enterprises been monitored including 115 large and medium-sized enterprises.

According to the 1st quarter of Y2015 monitoring data the enterprises investment activies grown up: the ratio of enterprises using its own funds for investment increased from 57.3% in 4th quarter of Y2014 up to 73.6%, and the share of enterprises using bank credits increased by 5.5%.

In the 1st quarter of Y2015 the credits’ average rate of interests in KZT and foreign currency has slightly changed: grown from 11.8% in 4th quarter of Y2014 up to 13.6% in KZT, and foreign currency - from to 8.4% in 4th quarter Y2014 up to 9.0% in Y2015. Average time of bank credit arrangement in KZT and foreign currency noticeably increased (from 19.3 months in 4rd quarter Y2014 up to 22.3 months in the 1st quarter Y2015 and from 27 to 29.3 months accordingly).

However, the main source of working capital financing is the equity capital as it was before (94.0% of respondents).

The business activity has slightly decreased in the 1st quarter of Y2015: the turnover of current assets from 48.3% in 4th quarter of Y2014 down to 40.8%; the turnover of assets – from 16.3% down to 13.7%.

The financial performance of the real sector has slightly went down in the 1st quarter of Y2015: the share of unprofitable and low-margin enterprises increased (from 18.6% in 4th quarter of Y2014 to 30.8%), the share of average-profitable enterprises decreased from 40.2% in 4th quarter of Y2014 down to 35.7%. Also the high-margin share went down to 33.5% (from 41.2% in 4th quarter of Y2014).

Profitability of sales on average over oblast economy was significantly reduced (from 34% in 4th quarter of Y2014 to 22.3% in the 1st quarter of Y2015) due to fall in mining production (from 60.4% in 4th quarter of Y2014 down to 48.1% in the 1st quarter of Y2015).

Deposits in banks

The situation of deposit market over oblast in total looked stable in current May.

As of 01 June 2015, the overall volume of deposits in oblast bank system is KZT62097.5 mln; i.e. higher for 4.2% compared to the rates of Y2014. The growth of deposits is specified by expanstion of deposits for population by 8.8% up to KZT40752.4 mln; and herewith the legal entity deposits recorded decreasing by 3.5% down to KZT21345.1 mln.

The structure of currency type deposits decreased in national currency by 33.8% down to KZT26149.8 mln, whereas foreign currency deposits grown up for 79.2% up to KZT35947.7mln. As a result the relative share of KZT deposits compared to relevant period in Y2014 was decreased from 66.3% to 42.1%.

As before the largest part of population savings (99.7%) is allocated to fixed period deposits. In comparison with the relative periods of the previous year the fixed period deposits of population increased to 9.0, up to KZT40637,4 mln.

As of 2015.06.01 the average weighted rate of return on deposits decreased from 5.2% to 5.0% including: legal entity deposits increased – from 4.2% to 5.2%; retail deposits from decreased – 5.8% to 4.9%. The rate of return in national currency deposits increased by 1.1 pp, to 6.8%, and decreased in foreign currency to 0.5 pp, down to 3.7%.

Bank economy credits

As of 01 June 2015, the volume of bank economy credits compared to the relative period in previous year increased to 16.2%, KZT 148629.6 mln.

Legal entity credits grown up to 61.4%, KZT31097.9 mln; consumers – up to 8.2%, KZT117531.7 mln. Relative share of consumer credits decreased from 84.9% down to 79.1%.

Credits in national currency for reporting period grown up to 14.3% (KZT 143936.5 mln), in foreign currency – for 2.3 times (KZT 4963.1 mln).

Long-term crediting for review period increased to 13.4%, KZT 136903.7 mln; short-term increased to 61.9%, KZT 11725.9 mln. Accordingly, the relative share of long-term credits decreased from 94.3% to 92.1%.

Small business enterprise crediting as of 2015.06.01 increased 2.2 times up to KZT 22510.6 mln; that is 15.2% of overall volume of economy credits.

The industrial breakdown shows the most significant amount of the major debt in such sectors as trade (5.3%), transportation and communication (5.5%), industry (5.2%), construction (4.3%), agricultural (0.3%).

In May 2015 the average weighted rate of return on issued credits made up 16.4% (in April 2014 – 18.7%), including in national currency for legal entities – 15.3% (in May 2014 – 12.9%), consumers – 16.9% (20.4%). The average weighted rate of return on credits issued to small business enterprises increased to 16.3% (in May 2014 – 13.1%).

As of 01 June 2015, credit arrears grown up to KZT 11047.5 mln, it is more than in relative periods of Y2014 for 23.2%. The most relative share of arrears falls to consumer credits – 84.1% (KZT 11047.5 mln) against 81.8% in relative period of 2014.

Exchange market

There are 63 exchange offices including 50 in banks and 13 of recognized organizations as of 01 June 2015 over Kyzylorda oblast territory.

Within 5 months of Y2015 the oblast population sold/bought USD to the amount of USD 110656.4/49307.9 thousand. The same rate in 5 months of Y2014 made up USD 114968/36406.4 thousand. Average weighted exchange rate selling/buying for 5 months of Y2015 was KZT 185.70/184.62 (for the similar period in Y2014 – KZT 175.99/177.45).

Total rate of selling/buying of European currency for the period was EUR 1837.0/1435.7 thousand (under average weighted exchange rate of selling/buying – KZT 208.20/203.63). In the similar period of Y2014 the volume of selling/buying was EUR 3658.8/1300.9 thousand (under average weighted exchange rate of selling/buying – KZT 239.00/223.93).

The sales of Russian Rouble made RUR 753273.5 thousand, and buying – RUR 272480.3 thousand (under average weighted exchange rate of selling/buying – KZT 3,17/3.25). For comparison: for 5 months of Y2014 the volume of selling/buying made RUR 136966.4/696486.5 thousand (under average weighted exchange rate of selling/buying – KZT 5.06/5.04).

Debit cards

As of 01 June 2015 and compared to the similar period in Y2014 the number of debit card holders over Kyzylorda oblast increased by 5.4% up to 419.8 thousand people; number of credit cards outstanding – by 6.1%, up to 465.8 thousand units.

Infrastructure of credit card servicing over oblast is as follows: the number of POS-terminals 1027 (+45.9%) units, imprinters - 3 units (no changes), ATM 315 (+30.2%) units, bank stands/payment terminals 462 (+470.4%). Trade outlets approved for card payments – 499 (+65.8%).

The number of card currency operations over Kyzylorda oblast comprised 473.9 thousand transactions to the amount of KZT18369.6 mln in May 2015.

In May 2015 the debit card payments were effected to the amount of KZT797.4mln (decreased in comparison with May 2014 – 36.7%), and the number of transactions in May 2015 decreased by 3.5% down to 105.6 thousand transactions in comparison with May 2014.


KYZYLORDA BRANCH OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

press release №4

june 19, 2015

 

Re current situation in oblast financial market summarizing the results of April 2015

Inflation

According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index over Kyzylorda oblast made up 106.2% in January-April 2015 compared to the same period in Y2014. The food price increased by 6.3%, non-foods – by 4.5%, paid services rendered to the population – by 7.8%.

The results of enterprises monitoring in real sector of economy

Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in April 2015 in order to assess the situation of oblast real economy (based on the 1st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 201 oblast enterprises been monitored including 115 large and medium-sized enterprises.

According to the 1st quarter of Y2015 monitoring data the enterprises investment activies grown up: the ratio of enterprises using its own funds for investment increased from 57.3% in 4th quarter of Y2014 up to 73.6%, and the share of enterprises using bank credits increased by 5.5%.

In the 1st quarter of Y2015 the credits’ average rate of interests in KZT and foreign currency has slightly changed: grown from 11.8% in 4th quarter of Y2014 up to 13.6% in KZT, and foreign currency - from to 8.4% in 4th quarter Y2014 up to 9.0% in Y2015. Average time of bank credit arrangement in KZT and foreign currency noticeably increased (from 19.3 months in 4rd quarter Y2014 up to 22.3 months in the 1st quarter Y2015 and from 27 to 29.3 months accordingly).

However, the main source of working capital financing is the equity capital as it was before (94.0% of respondents).

The business activity has slightly decreased in the 1st quarter of Y2015: the turnover of current assets from 48.3% in 4th quarter of Y2014 down to 40.8%; the turnover of assets – from 16.3% down to 13.7%.

The financial performance of the real sector has slightly went down in the 1st quarter of Y2015: the share of unprofitable and low-margin enterprises increased (from 18.6% in 4th quarter of Y2014 to 30.8%), the share of average-profitable enterprises decreased from 40.2% in 4th quarter of Y2014 down to 35.7%. Also the high-margin share went down to 33.5% (from 41.2% in 4th quarter of Y2014).

Profitability of sales on average over oblast economy was significantly reduced (from 34% in 4th quarter of Y2014 to 22.3% in the 1st quarter of Y2015) due to fall in mining production (from 60.4% in 4th quarter of Y2014 down to 48.1% in the 1st quarter of Y2015).

Deposits in banks

The situation of deposit market over oblast in total looked stable in current April.

As of 01 May 2015, the overall volume of deposits in oblast bank system is KZT63307.5 mln; i.e. higher for 4.7% compared to the rates of Y2014. The growth of deposits is specified by expanstion of deposits for population by 9.2% up to KZT40598.3mln; and herewith the legal entity deposits recorded decreasing by 2.5%, KZT22709.2 mln.

The structure of currency type deposits as of 01 May 2015, decreased in national currency by 39.6% down to KZT24207.6 mln, whereas foreign currency deposits grown up for 91.9% up to KZT39099.9mln. As a result the relative share of KZT deposits compared to relevant period in Y2014 was decreased from 66.3% to 38.2%.

As before the largest part of population savings (99.7%) is allocated to fixed period deposits. In comparison with the relative periods of the previous year the fixed period deposits of population increased to 9,4, up to KZT40481,7mln.

As of 2015.05.01 the average weighted rate of return on deposits decreased from 5.3% to 4.6% including: legal entity deposits – from 4.7% to 4.5%; retail deposits from 5.7% to 4.6%. The rate of return in national currency deposits increased by 0.5 pp, to 6.4%, and decreased in foreign currency to 0.8 pp, down to 3.4%.

Bank economy credits

As of 01 May 2015, the volume of bank economy credits compared to the relative period in previous year increased to 17.2%, KZT 148740.6 mln.

Legal entity credits grown up to 57.8%, KZT 31015.4 mln; consumers – up to 9.8%, KZT 117725.1 mln. Relative share of consumer credits decreased from 84.5% down to 79.2%.

Credits in national currency for reporting period grown up to 15.2% (KZT 143927.3 mln), in foreign currency – for 2.4 times (KZT 4813.3 mln).

Long-term crediting for review period increased to 14,6%, KZT 137044,4 mln; short-term increased to 59,4%, KZT 11696,2 mln. Accordingly, the relative share of long-term credits decreased from 94.,2% to 92.1%.

Small business enterprise crediting as of 2015.05.01 increased 2.3 times up to KZT 22776.1 mln; that is 15.3% of overall volume of economy credits.

The industrial breakdown shows the most significant amount of the major debt in such sectors as trade (5.6%), transportation (5.6%), industry (5.3%), construction (4.1%), agricultural (0.3%).

In April 2015 the average weighted rate of return on issued credits made up 16.8% (in April 2014 – 19.1%), including in national currency for legal entities – 16.9% (in April 2014 – 14.0%), consumers – 16.8% (20.5%). The average weighted rate of return on credits issued to small business enterprises increased to 17.6% (in April 2014 – 14.0%).

As of 01 May 2015, credit arrears grown up to KZT 10519.7 mln, it is more than in relative periods of Y2014 for 22.3%. The most relative share of arrears falls to consumer credits – 82.9% (KZT 8724.4 mln) against 81.3% in relative period of 2014.

Exchange market

There are 63 exchange offices including 50 in banks and 13 of recognized organizations as of 01 April 2015 over Kyzylorda oblast territory.

Within 4 months of Y2015 the oblast population sold/bought USD to the amount of USD 95605.7/38473.3 thousand. The same rate in 4 months of Y2014 made up USD 95760.9/48426.3 thousand. Average weighted exchange rate selling/buying for 4 months of Y2015 was KZT 185.6/184.43 (for the similar period in Y2014 – KZT 174.58/176.26).

Total rate of selling/buying of European currency for the period was EUR 1490.3/1330.5 thousand (under average weighted exchange rate of selling/buying – KZT 208.13/203.44). In the similar period of Y2014 the volume of selling/buying was EUR 3320.8/1225.4 thousand (under average weighted exchange rate of selling/buying – KZT 237.69/222.38).

The sales of Russian Rouble made RUR 700512.6 thousand, and buying – RUR 195897.6 thousand (under average weighted exchange rate of selling/buying – KZT 3,13/2,98). For comparison: for 4 months of Y2014 the volume of selling/buying made RUR 105389.4/498294.7 thousand (under average weighted exchange rate of selling/buying – KZT 5.00/4.98).

 Debit cards

As of 01 May 2015 and compared to the similar period in Y2014 the number of debit card holders over Kyzylorda oblast increased by 4.3% up to 414.6 thousand people; number of credit cards outstanding – by 4.9%, up to 459.1 thousand units.

Infrastructure of credit card servicing over oblast is as follows: the number of POS-terminals 995 (+43.8%) units, imprinters - 3 units (no changes), ATM 318 (+32.0%) units, bank stands/payment terminals 416 (+469.9%). Trade outlets approved for card payments – 488 (+66.0%).

The number of card currency operations over Kyzylorda oblast comprised 488.3 thousand transactions to the amount of KZT20137.6 mln in April 2015.

In April 2015 the debit card payments were effected to the amount of KZT869.6 mln (decreased in comparison with April 2014 – 43.4%), and the number of transactions in April 2015 decreased by 3.5% down to 113.2 thousand transactions in comparison with April 2014.


KYZYLORDA BRANCH OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

press release №3

may 19, 2015

 

Re current situation in oblast financial market summarizing the results of March 2015

Inflation

According to official data of the Agency of the Republic of Kazakhstan statistically the consumer price index over Kyzylorda oblast made up 106.8% in February-March 2015 compared to the same period in Y2014. The food price increased by 7.1%, non-foods – by 5.2%, paid services rendered to the population – by 7.9%.

The results of enterprises monitoring in real sector of economy

Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in April 2015 in order to assess the situation of oblast real economy (based on the 1st quarter of Y2015). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). In result 201 oblast enterprises been monitored including 115 large and medium-sized enterprises.

According to the 1st quarter of Y2015 monitoring data the enterprises investment activies grown up: the ratio of enterprises using its own funds for investment increased from 57.3% in 4th quarter of Y2014 up to 73.6%, and the share of enterprises using bank credits increased by 5.5%.

In the 1st quarter of Y2015 the credits’ average rate of interests in KZT and foreign currency has slightly changed: grown from 11.8% in 4th quarter of Y2014 up to 13.6% in KZT, and foreign currency - from to 8.4% in 4th quarter Y2014 up to 9.0% in Y2015. Average time of bank credit arrangement in KZT and foreign currency noticeably increased (from 19.3 months in 4rd quarter Y2014 up to 22.3 months in the 1st quarter Y2015 and from 27 to 29.3 months accordingly).

However, the main source of working capital financing is the equity capital as it was before (94.0% of respondents).

The business activity has slightly decreased in the 1st quarter of Y2015: the turnover of current assets from 48.3% in 4th quarter of Y2014 down to 40.8%; the turnover of assets – from 16.3% down to 13.7%.

The financial performance of the real sector has slightly went down in the 1st quarter of Y2015: the share of unprofitable and low-margin enterprises increased (from 18.6% in 4th quarter of Y2014 to 30.8%), the share of average-profitable enterprises decreased from 40.2% in 4th quarter of Y2014 down to 35.7%. Also the high-margin share went down to 33.5% (from 41.2% in 4th quarter of Y2014).

Profitability of sales on average over oblast economy was significantly reduced (from 34% in 4th quarter of Y2014 to 22.3% in the 1st quarter of Y2015) due to fall in mining production (from 60.4% in 4th quarter of Y2014 down to 48.1% in the 1st quarter of Y2015).

Deposits in banks

The situation of deposit market over oblast in total looked stable in current March.

As of 01 April 2015, the overall volume of deposits in oblast bank system is KZT66166.0 mln; i.e. higher for 12.0% compared to the rates of Y2014. The growth of deposits is specified by expanstion of deposits for population by 12.1% up to KZT41253.1 mln; and herewith the legal entity deposits recorded increasing by 11.9%, KZT24912.9 mln. However, from the beginning, there was been progressive growth dynamics of inflation.

The structure of currency type deposits as of 01 April 2015, decreased in national currency by 24.9% down to KZT29195.8 mln, whereas foreign currency deposits grown up for 1.8 times up to KZT36970.2 mln. As a result the relative share of KZT deposits compared to relevant period in Y2014 was decreased from 65.8% to 44.1%.

As before the largest part of population savings (99.7%) is allocated to fixed period deposits. In comparison with the relative periods of the previous year the fixed period deposits of population increased to 12.04, up to KZT41148.6 mln.

As of 2015.04.01 the average weighted rate of return on deposits increased from 5.3% to 5.4% including: legal entity deposits – from 4.7% to 6.1%; retail deposits decreased from 5.6% to 5.0%. The rate of return in national currency deposits increased by 1.9 pp, to 7.7%, and decreased in foreign currency to 0.8 pp, down to 3.5%.

Bank economy credits

As of 01 April 2015, the volume of bank economy credits compared to the relative period in previous year increased to 17.2%, KZT 147249.1 mln.

Legal entity credits grown up to 51.2%, KZT 30073.6 mln; consumers – up to 10.8%, KZT 117175.5 mln. Relative share of consumer credits decreased from 84.2% down to 79.6%.

Credits in national currency for reporting period grown up to 15.1% (KZT 142350.7 mln), in foreign currency – for 2.4 times (KZT 4898.5 mln).

Long-term crediting for review period increased to 15.5%, KZT 136635.8 mln; short-term increased to 43.1%, KZT 10613.3 mln. Accordingly, the relative share of long-term credits decreased from 94.1% to 92.8%.

Small business enterprise crediting as of 2015.04.01 increased 2.1 times up to KZT 21223.9 mln; that is 14.4% of overall volume of economy credits.

The industrial breakdown shows the most significant amount of the major debt in such sectors as industry (6.1%), trade (4.9%), transportation (5.6%), construction (3.6%), agricultural (0.3%).

In March 2015 the average weighted rate of return on issued credits made up 16.2% (in March 2014 – 18.0%), including in national currency for legal entities – 18.2% (in March 2014 – 12.1%), consumers – 16.7% (20.4%). The average weighted rate of return on credits issued to small business enterprises increased to 14.5% (in March 2014 – 12.9%).

As of 01 April 2015, credit arrears grown up to KZT 10305.4 mln, it is more than in relative periods of Y2014 for 22.8%. The most relative share of arrears falls to consumer credits – 82.7% (KZT 8527.3 mln) against 80.8% in relative period of 2014.

Exchange market

There are 63 exchange offices including 50 in banks and 13 of recognized organizations as of 01 April 2015 over Kyzylorda oblast territory.

Within 3 months of Y2015 the oblast population sold/bought USD to the amount of USD 59291,1/28749,6 thousand. The same rate in 3 months of Y2014 made up USD 76658,5/18279,5 thousand. Average weighted exchange rate selling/buying for 3 months of Y2015 was KZT 185,18/184,16 (for the similar period in Y2014 – KZT 172,64/173,44).

Total rate of selling/buying of European currency for the period was EUR 981,5/1194,4 thousand (under average weighted exchange rate of selling/buying – KZT 210,50/203,75). In the similar period of Y2014 the volume of selling/buying was EUR 2804,6/1081,1 thousand (under average weighted exchange rate of selling/buying – KZT 235,04/218,64).

The sales of Russian Rouble made RUR 552497,2 thousand, and buying – RUR 94698,3 thousand (under average weighted exchange rate of selling/buying – KZT 3,01/2,87). For comparison: for 3 months of Y2014 the volume of selling/buying made RUR 79247,6/313258,2 thousand (under average weighted exchange rate of selling/buying – KZT 4,94/4,92).

 Debit cards

As of 01 April 2015 and compared to the similar period in Y2014 the number of debit card holders over Kyzylorda oblast increased by 3.9% up to 411.7 thousand people; number of credit cards outstanding – by 4.7%, up to 455.3 thousand units.

Infrastructure of credit card servicing over oblast is as follows: the number of POS-terminals 950 (+38,7%) units, imprinters - 3 units (no changes), ATM 313 (+31,0%) units, bank stands/payment terminals 433 (+609,8%). Trade outlets approved for card payments – 469 (+61,2%).

The number of card currency operations over Kyzylorda oblast comprised 509,1 thousand transactions to the amount of KZT19,221.2 mln. in March 2015.

In March 2015 the debit card payments were effected to the amount of KZT866,8 mln (decreased in comparison with March 2014 - 39,4%), and the number of transactions in March 2015 increased by 4,2% and made up 123,4 thousand transactions in comparison with March 2014.

 


KYZYLORDA BRANCH  OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

press release №2

april 14, 2015

 

Re current situation in oblast financial market summarizing the results of February 2015

Inflation

According to official data taken from the Agency of the Republic of Kazakhstan statistically the consumer price index over Kyzylorda oblast made 107.4% in January-February 2015 compared to the same period in Y2014. The food price increased by 8.1%, non-foods – by 6.0%, paid services rendered to the population – by 8.1%.

The results of enterprises monitoring in real sector of economy

Kyzylorda Branch of the National Bank of the Republic of Kazakhstan monitored the enterprises in real sector of economy in January 2015 in order to assess the situation of oblast real economy (based on 4th quarter of Y2014). The oblast new respondents were involved in participation to improve the representativeness of enterprises selection (considering the sectoral structure). As a result of which 201 oblast enterprises been monitored including 111 large and medium-sized enterprises.

According to the Y2014 4th quarter monitoring data there were more enterprises experiencing the positive influence of the rates changes of  KZT to RUR, from 1.5% up to 20.3% in the 3rd quarter of Y2014.

Also within the reporting period the number of enterprises using the bank credits for working capital financing has grown (up to 13.2%). In Y2014 4th quarter the credits’ average rate of interests in KZT and foreign currency slightly changed: grown up to 11.8% in KZT, and went down to 8.4% in foreign currency. Average time of bank credit arrangement in KZT and foreign currency noticeably decreased (from 20 months in Y2014 3rd quarter down to 19.3 months in Y2014 4th quarter and from 34 to 27 months accordingly).

In Y2014 4th quarter the share of enterprises having indebtedness under credits went down to 24.4%. The largest part of indebtedness accrue to industrial (7.1%) and construction (5.6%) enterprises.

However, the main source of working capital financing is the equity capital as before (93.4% of respondents).

In Y2014 4th quarter the business activity has slightly increased: the turnover of current assets from 43.1% up to 48.3%; the turnove of assets – from 16.0% to 16.3%. At the same time the share of current capital in assets decreased (to 33.7%).

In Y2014 4th quarter the coefficient of day-to-day liquidity (current ratio) in average over oblast economy continually decreases – by 0.1 pp in Y2014 4th quarter (Y2014 3rd quarter it was 1.1). The share of low liquid enterprises in real economy has lightly increased, the coefficient of overall financial responsibility is at the level of previous quarter – 1.6.

Deposits in banks

In February of the current year the situation of deposit market over oblast in total looks stable.

As of March 01.2015, the overall volume of deposits in oblast bank system is KZT64737.4 mln; ie is higher for 8.4% compared to the rates of Y2014. The growth of deposits is specified by expanstion of deposits for population by 14.7% up to KZT41575.2 mln; and herewith the legal entity deposits recorded decreasing down to 1.3%, KZT 23162.2 mln.

The structure of currency type deposits as of March 01. 2015, in national currency decreased by 38.1% down to KZT 25389.2 mln, whereas foreign currency deposits grown up for 2.1 times up to KZT39348.2 mln. As a result the relative share of KZT deposits compared to Y2014 was decreased from 68.7% to 39.2%.

As before the largest part of population savings (99.7%) allocated to fixed period deposits. In comparison with the relative periods of the previous year the fixed period deposits of population increased to 15.0%, up to KZT 41458.4 mln.

As of 01.03.2015 the average weighted rate of return on deposits decreased from 5.3% down to 4.7% including: legal entity deposits – from 4.7% to 4.6%; retail deposits – from 5.7% to 4.8%. The rate of return on national currency deposits increased by 0.9 pp, to 6.8%, and decreased in foreign currency to 0.8 pp, down to 3.4%.

Bank economy credits

As of March 01.2015, the volume of bank economy credits compared to the relative period of previous year increased to 17.0%, KZT 146356.9 mln.

Legal entity credits grown up to 43.7%, KZT 28516.8 mln; consumers – up to 11.9%, KZT 117840.7 mln. Relative share of consumer credits decreased from 84.1% down to 80.5%.

Credits in national currency for reporting period grown up to 16.4% (KZT 143255.4 mln), in foreign currency – up to 50.0% (KZT 3101.5 mln).

Long-term crediting for review period increased to 15.2%, KZT 135657.7 mln; short-term increased to 46.2%, KZT 10699.2 mln. Accordingly, the relative share of long-term credits decreased from 94.1% to 92.7%.

Small business enterprise crediting as of 01.03.2015 increased by 86.3%, up to KZT 19371.6 mln; that is 13.2% of overall volume of economy credits.

The industrial breakdown shows the most significant amount of the major debt in such sectors as industry (5.4%), trade (4.8%), transportation (4.6%), construction (3.6%), agricultural (0.3%).

In February 2015 the average weighted rate of return on issued credits made up 19.2% (in February 204 – 16.7%), including in national currency for legal entities – 14.1% (in February 2014 – 10.6%), consumers – 20.7% (20.4%). The average weighted rate of return on credits issued to small business enterprises increased to 16.2% (in February 2014 – 13.3%).

As of March 01.2015, credit arrears grown up to KZT 10648.2 mln, it is more than in relative periods of Y2014 for 30.6%. The most relative share of arrears falls to consumer credits – 80.9% (KZT 8617.3 mln) against 80.4% in relative period of 2014.

Exchange market

As of March 01.2015, there are 63 exchange offices including 50 in banks and 13 of recognized organizations.

Within 2 months of Y2015 the oblast population sold/bought USD to the amount of USD41796,4/18272,1 thousand. The same rate in 2 months of Y2014 made up USD52201,1/11795,0 thousand. Average weighted exchange rate selling/buying for 2 months of Y2015 was KZT 184,95/183,82 (for the similar period in Y2014 – KZT 167,85/168,88).

Total rate of selling/buying of European currency for the period was EUR 688,4/429,2 thousand (under average weighted exchange rate of selling/buying – KZT 213,81/210,25). In the similar period of Y2014 the volume of selling/buying was EUR 1990,6/895,1 thousand (under average weighted exchange rate of selling/buying – KZT 227,39/212,02).

The sales of Russian Rouble made RUR 413412,3 thousand, and buying – RUR54937,6 thousand (under average weighted exchange rate of selling/buying – KZT 2,94/2,77). For comparison: for 2 months of Y2014 the volume of selling/buying made RUR47778,6/214718,6 thousand (under average weighted exchange rate of selling/buying – KZT4,85/4,90).

Debit cards

As of March 01.2015, and compared to the similar period in Y2014 the number of debit card holders over Kyzylorda oblast increased by 4.8% up to 411.5 thousand people; number of credit cards outstanding – by 6.4%, up to 455.6 thousand units.

Infrastructure of credit card servicing over oblast is as follows: the number of POS-terminals 938 (+36,1%) units, imprinters - 3 units (no changes), ATM 307 (+23,3%) units, bank stands/payment terminals 433 (+609,8%). Trade outlets approved for card payments – 460 (+55,9%).

In February 2015 the number of card currency operations over Kyzylorda oblast comprised 468,5 thousand transactions to the amount of KZT18 032,1 mln.

In February 2015 the debit card payments were effected to the amount of KZT736,0 mln (decreased in comparison with February 2014 was - 52,5%), and the number of transactions in February 2015 was increased by 19,6% and made up 119,6 thousand transactions.

 

Date created: 19-01-2016 17:51
Updated date: 15-10-2019 11:29
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