Rakhimzhanova, K., Makysh С., and Kerimkulova Д. “Problem Loans of Second-Tier Banks in the Republic of Kazakhstan and Methods of Their Management”. ECONOMIC Series of the Bulletin of the L N Gumilyov ENU, no. 3, Sept. 2024, pp. 296-14, doi:10.32523/2789-4320-2024-3-296-314.