С начала года ежемесячное кредитование выросло на 66%. Однако объемы выдачи новых кредитов сокращаются - на каждые 100 тенге портфеля банки выдают 6,6 тенге новым заемщикам
Кредитование экономики. Июнь 2016
В июне 2016 года размер кредитного портфеля банковского сектора, направленный на кредитование экономики, достиг размера 12,5 трлн. тг. При этом, несмотря на значительный спад выдачи новых кредитов в январе 2016, общий объем новых кредитов за 6 месяцев текущего года на 6,8% больше, чем было выдано за аналогичный период 2015. Январский спад вызван, в первую очередь, ограничениями Национального Банка на выдачу ликвидности коммерческим банкам с целью стабилизации курса валюты. В результате, банки с целью исполнения нормативов достаточности ликвидности стали сворачивать программы кредитования, что привело к спаду объемов вновь выданных займов на 53% по сравнению с декабрем 2015.
Для субъектов экономики стоимость кредитных денег выросла в среднем на 1,5% и находится на уровне 15,1% годовых. При этом банки и в июне менее охотно оформляют новые займы: коэффициент выдачи новых кредитов упал с 7,2% в июне 2015 до 6,6% в июне 2016.
Заемные деньги подорожали для компаний всех отраслей и секторов экономики, причем абсолютный максимум удорожания зафиксирован в секторе кредитования предприятий сферы информации и связи (средняя ставка составила 16,4%). И несмотря на падение цен на нефть, банки продолжают считать надежными заемщиками компании добывающего сектора, предлагая им займы под 10,7% годовых.
Новые объемы кредитных средств активно привлекаются в обрабатывающую промышленность: на 100 тенге существующих займов банки в июне выдали 13,4 тенге новых кредитов. Банки традиционно неохотно кредитуют сельскохозяйственный сектор: доля новых кредитов в совокупном портфеле составила лишь 2,3%.
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)