Current state and problems of bank retail lending in the Republic of Kazakhstan

Lending is the main activity of any commercial bank, as it provides the bulk of the bank's income. Commercial banks shall independently organize and carry out credit policies. The Kazakhstan market of bank retail lending has been actively developing relatively recently. Lending by the bank to individual borrowers follows not only from the need to accumulate temporarily free funds of the population, but also has great social importance. Retail lending helps to meet the needs of the population in durable goods, various services, various life situations, etc. The increase in the market share of retail lending is explained by the fact that banks have started to actively apply various programs of retail and mortgage lending. On the other hand, it is noticeable that the attitude of individuals to lending has changed. The population takes loans not only to finance the most necessary goods, but also goods for entertainment, education, etc. The tightening of lending conditions amid recent devaluations is a constraint on the development of retail lending. Commercial banks are trying to be more careful in the process of issuing a loan. In the context of the decline in the solvency of the population, high real estate prices, the decline in the purchasing power of the national currency, commercial banks face another serious problem. These are problems with loans. Naturally, under such conditions, the volume of overdue loans is growing. This applies to both legal entities and individuals. In this period, commercial banks are willing to go for debt restructuring, refinancing and etc.

банковское кредитование, процентные ставки, девальвация, проблемные кредиты, платежеспособность, риски, рефинансирование, реструктуризация, банктік несиелеу, пайыздық мөлшерлемелер, девальвация, мәселелі несиелер, төлемқабілеттілік, тәуекелдер, қайта қаржыландыру, қайта құрылымдау, retail bank lending, interest rates, devaluation, non-performing loans, solvency, risks, refinancing, restructuring

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