Improving Banking Supervisory Mechanisms
In the OIC Member Countries
100
In Kazakhstan majority of the credit is distributed as a corporate and commercial credit.
Compared to other OIC countries, Kazakhstan has the lowest consumer credits. Banking sector
has mostly distributed its credit to corporate and commercial sector.
Figure 73: Decomposition, Kazakhstan
Source: Bankscope
Figure 74: Liability Decomposition, Kazakhstan
Source: Bankscope
o Turkey
In terms of total asset decomposition, Turkey is slightly different than other selected OIC
member countries with a relatively lower fraction of loans in total assets. However, Bankscope
classifies most of the assets as “others” and it can be argued that this classification also
corresponds to credit related activities since 90% of risk weight is given to the credit risk
which is similar to the common pattern in selected OIC members.
Most of the securities are in the form of “available for sale” which indicates a high level of
liquidity of total securities. Majority of liabilities of the Turkish banking sector is in the form of
customer deposits and as indicated for other OIC countries, this provides a stable source of
funding. Furthermore, most of the profits of banks originate from interest-bearing activities
with 67% followed by operational profits which constitutes approximately 30% of total
profits.
Trading Sec. &
at FV
through
Income
32%
Available for
Sale Securities
57% Held to
Maturity
Securities
11%
Securities Decomposition
Total
Customer
Deposits
71%
Deposits from
Banks
6%
Others
8%
Total Equity
15%
Liability Decomposition