The Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan published supervisory statistics on organisations engaged in microfinance activity, showing assets rising 2.2% in the fourth quarter of 2025 to KZT 3.5tn as of 1 January 2026, driven by growth in pawnshop consumer microcredits. Over the same period, the sector’s loan portfolio increased 1.5% to KZT 3.1tn, while the share of loans overdue by more than 90 days (NPL90+) fell to 3.9% from 4.6% a year earlier. In the asset mix, microfinance organisations held KZT 1.7tn (47.4%), credit partnerships KZT 1.3tn (36.0%) and pawnshops KZT 0.6tn (16.5%). Business microcredits represented 56.6% of microcredits and retail microcredits 43.4%, with business lending down 2.0% in the quarter to KZT 1.8tn due to the conversion of two microfinance organisations into second-tier banks, while loans to individuals rose 6.4% to KZT 1.3tn, mainly reflecting a 12.2% increase in pawnshop consumer microcredits. Liabilities increased 5.4% in the quarter to KZT 2.3tn, with borrowed loans accounting for 66.2% of total liabilities (KZT 1.5tn), and equity fell 3.0% to KZT 1.3tn due to a decline in retained net profit.
2026-03-05Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan
Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan reports microfinance sector assets at KZT 3.5tn and NPL90+ at 3.9%
The Agency for Regulation and Development of the Financial Market of Kazakhstan reported a 2.2% rise in microfinance assets to KZT 3.5tn in Q4 2025, driven by pawnshop consumer microcredits. The sector's loan portfolio grew 1.5% to KZT 3.1tn, with NPL90+ decreasing to 3.9%. Business microcredits fell 2.0% due to conversions to banks, while loans to individuals increased 6.4%, reflecting a 12.2% rise in pawnshop consumer microcredits.