Abstract:
Back in 1987, the banking system of Kazakhstan had two banks. Kazakhstan's banking system has been
developing since independence and has achieved incredible results. Thus, Kazakhstan occupies a leading position
in the field of financial technologies developed by banks that are part of the banking system. In this article we
evaluate the banking system of Kazakhstan, namely the practice of bank lending and credit management. We
tested hypotheses to evaluate the system of bank lending. To do this, we resorted to quantitative, qualitative and
empirical methods. In this study, we found out the main reason for the differences in the lending system, the
factors of the lending system that determine profitability and efficiency; which segment of lending brings the
greatest profit; the relationship of banking indicators such as NPL with net profit, loan portfolio and return on
assets, and finally, the relationship of the introduction of prudential standards by the National Bank for the entire
banking system of Kazakhstan.
