The state of the banking sector of the Republic of Kazakhstan

Abstract

The article discusses the activities of commercial banks of Kazakhstan.
Commercial Bank is currently the key element of the banking system. The
analysis of the structure of total assets of banks, which showed that the
majority of the assets of commercial banks related to the credit activity.
The analysis of credit activities of commercial banks as a whole. Considers
the share of lending in the context of legal and physical persons. attention
to lending to small and medium enterprises, their share in total loan
portfolio of banks. Lending affects the volume and structure of money supply,
payment transactions, velocity of circulation of money stimulates the
development of productive forces, and also contributes to the expansion
of production and economic growth. Currently, according to banks, the
current level of credit risk in the loan portfolio is associated with a reduction
in the creditworthiness of the borrowers and a decrease in consumer
demand. Restraint of banks in lending is also due to the low availability of
liquidity and high credit risk.