Loan behavior (2022, July 2022)

Infographics. Data source: the National Bank of the Republic of Kazakhstan

Interactive dashboards related to the loan portfolio behavior excluding REPO operations in the banking system are shown below. We recommend using the desktop version of the browser or switching to the “PC Version” from the mobile version for comfortable reading. The setting can be found in the mobile browser menu – three dots in the right corner.

Charts show changes in the loan portfolio of second-tier banks and the top 10 banks by their size: the overall dynamics of loans, absolute and percentage changes.

The page also contains graphs of borrowing power, capital adequacy, provision of non-performing loans and dynamics of the NPL90+ level, cost of risk calculations and loan yield. Jusan Analytics team updates the charts as the latest information is released on the National Bank of the Republic of Kazakhstan website.

Each graph has interactive elements. So by clicking on the corresponding period, you can hide it and get acquainted separately with both the monthly dynamics and the dynamics from the beginning of the year. A demonstration of both periods is selected in the charts default. In the upper right corner of each chart there is an interactive burger menu where you can choose: various viewing methods, including a tabular view, as well as download or print the chart.



The borrowing power of a bank is the ability of a financial institution to increase its loan portfolio without harming the capital adequacy level and liquidity reserve. A low level of borrowing power means that the bank cannot actively expand lending and increase its loan portfolio without increasing risks to capital and liquidity.




* excluding emissions



* excluding emissions
The cost of risk is calculated as the net amount of provisions created (created minus recovered) on an annual basis, divided by the gross amount of the loan portfolio, excluding REPO operations. The high level of the cost of risk can be interpreted as a conservative policy of provisioning of the bank, as well as active work on improving the loan portfolio. A low level means an optimistic quality assessment of the loan portfolio and a corresponding insignificant level of non-performancy. A negative value indicates the excess of restored provisions over those created as a result of the reclassification of problem loans due to their improvement or refinancing.


* excluding emissions
The loan yield is calculated as the ratio of interest income on loans divided by the total loan portfolio, excluding REPO operations. The coefficient demonstrates the profit that the loan portfolio brings to the bank.

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Infographics. Data source: the National Bank of the Republic of Kazakhstan