Retail lending to commercial banks: current state and business models of development

Abstract

This article explores the current state of consumer bank lending, focusing on the quantitative and qualitative indicators of the banking sector, the ecosystems of commercial banks. In the course of the study, statistical data on the loan portfolio and overdue debts of the banking sector of the Republic of Kazakhstan, on the structure of overdue debts on bank retail loans issued for consumer purposes were used and analyzed. The tendencies of bank consumer crediting by the terms and sizes of the lending rate are determined. The influencing factors on consumer-clients in retail lending have been established, and monitoring of the ecosystems of leading domestic commercial banks has been prepared. Based on the analysis of the current state of retail lending for consumer purposes in Kazakhstan, relevant recommendations are given