Improving Banking Supervisory Mechanisms
In the OIC Member Countries
98
Figure 68: Liability Decomposition, Indonesia
Source: Bankscope
Majority of the liability is in the form of deposits which is seen as a healthy and stable source of
financing. This observation is common to most OIC member countries and regarded as a very
important advantage for OIC bank as many European banks rely on other sources than
deposits since relying on non-core liabilities enhances financial instability a relatively high
deposit ratio is a positive aspect of this banking system.
o Kazakhstan
Kazakhstan's banking sector total asset decomposition is also similar to other OIC countries as
the largest fraction of assets composed of loans therefore majority of the risk capital is
allocated for credit risk. More than 90% of the capital is allocated against credit losses which is
slightly higher than OIC average. Importance of credit risk comply with the common
observation for the selected OIC member countries.
Banking Sector
Figure 69: Total Asset Decomposition, Kazakhstan
Source: Bankscope
Total Customer
Deposits
64%
Deposits from
Banks
3% others liabilities
24%
Total Equity
9%
Liability Decomposition
Total Securities
15%
Cash & Due
From Banks
10%
Loans
65%
Others
10%
Total Asset Decomposition