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The Analysis changing of number commercial banks

during last years (from 1993 till 2012)



The number of created banks



Early 90-ies of the last century in the Republic of Kazakhstan was characterized by the rapid growth of the number of different financial institutions: commercial banks and organizations engaged in certain types of banking operations. In particular, will the commercial banks were more than 200. Subsequently, many of them were financially insolvent.

The observed trend is directly linked to the policy provided by National Bank of Kazakhstan because of tightening of requirements for commercial banks, and as a result improvement of their financial stability and reliability. While reducing the total number of banks marked increased the number of organizations engaged in certain types of banking operations.

By the time of the introduction of the tenge in November 1993, Kazakhstan's banking system has undergone significant reform: functioning two-tier banking system, all specialized banks were transformed into joint-stock banks and the central bank had been given a number of functions of the central bank. All this significantly facilitated the transition to its own national currency and Kazakhstan conducting own monetary policy.

According to, this program all applicable Kazakh banks had until the end of 2000 to meet the international standards of capital adequacy of liquidity, asset quality, management level, accounting, administration and transfer.The number of banks in the years of the Program (1996-2001) greatly reduced due to those financial condition was unstable.

Global liquidity crisis, which began in mid-2007, subjected to the banking sector and the regulatory authorities of Kazakhstan the most difficult in recent years to the test. Development of the banking system in the country has reached a critical point, when the background of the problems dramatically manifested the need to radically transform business practices, policies and regulations.

In the 15 May 2009 the President of RK Nazarbayev N, recognized that the Banking System of RK did not pass the strength test. Although on the whole banking system of Kazakhstan was able cope with the main negative effects of the global crisis, and quality indicators for the banking system, taking into account the situation on the international capital markets, are sufficient to make payments on existing debt, internal resources are not sufficient to provide the observed growth rates.



The Glossary


A joint-stock company is a business entity which is owned by shareholders. Each shareholder owns the portion of the company in proportion to his or her ownership of the company's shares (certificates of ownership).This allows for the unequal ownership of a business with some shareholders owning a larger proportion of a company than others. Shareholders are able to transfer their shares to others without any effects to the continued existence of the company.

A cartel is a formal agreement among competing firms. It is a formal organization where there is a small number of sellers and usually involve homogeneous products. Cartel members may agree on such matters as price fixing, total industry output, market shares, allocation of customers, allocation of territories, bid rigging, establishment of common sales agencies, and the division of profits or combination of these. The aim of such collusion (also called the cartel agreement) is to increase individual members' profits by reducing competition.

Merriam-Webster defines competitionin business as "the effort of two or more parties acting independently to secure the business of a third party by offering the most favorable terms".

A trust company is a corporation, especially a commercial bank, organized to perform the fiduciary of trusts and agencies. It is normally owned by one of three types of structures: an independent partnership, a bank, or a law firm, each of which specializes in being a trustee of various kinds of trusts and in managing estates. Trust companies are not required to exercise all of the powers that they are granted. Further, the fact that a trust company in one jurisdiction does not perform all of the duties of a trust company in another jurisdiction is irrelevant and does not have any bearing on whether either company is truly a "trust company". Therefore, it is safe to say that the term "trust company" must not be narrowly construed.

Small businesses are normally privately owned corporations, partnerships, or sole proprietorships. The legal definition of "small" varies by country and by industry.

Aresource market used to exchange the services of resources labor, capital, and natural resources. The value of services exchanged through resource markets each year is measured as national income. Compare financial market, product market.

A syndicate is a self-organizing group of individuals, companies or entities formed to transact some specific business, or to promote a common interest.

A partnership is an arrangement where parties agree to cooperate to advance their mutual interests.

A charterisdocumentoutlining the principles, functions, and organization of a corporate body; a constitution.

The authorised capital of a company (sometimes referred to as the authorised share capital, registered capital or nominal capital, particularly in the United States) is the maximum amount of share capital that the company is authorised by its constitutional documents to issue (allocate) to shareholders. Part of the authorised capital can (and frequently does) remain unissued. This number can be changed by shareholders' approval. The part of the authorised capital which has been issued to shareholders is referred to as the issued share capital of the company.


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