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The growth of the mortgage portfolio in 2023 has halved.
In the past year of 2023, a number of important laws were adopted in Kazakhstan. Some of them have already come into force. Thus, from today, the country has begun to conduct fingerprint registration of citizens. However, this procedure is voluntary for Kazakhstanis, while foreigners and stateless persons over the age of 16 will have to submit their fingerprints whether they want to or not.
Material No. 1 in the series “School in the Age of Artificial Intelligence.” TALAP Center for Applied Research, in collaboration with Global Education Futures.
Material No. 2 in the series “School in the Age of Artificial Intelligence.” TALAP Center for Applied Research in partnership with Global Education Futures.
Material No. 3 in the series “School in the Age of Artificial Intelligence.” TALAP Center for Applied Research in partnership with Global Education Futures.
Everyone was watching oil, food, and aviation kerosene. But the most durable consequences of the war manifested themselves in other sectors: fertilizers, petrochemicals, aluminum, insurance, and ocean freight. This is a story about why the loudest fears do not always turn out to be the main impact.
The Gulf War passed by Kazakhstan’s export route — but not by its economy. The real blow came not through Hormuz, but through the Black Sea, the CPC, Tengiz, and the limited capacity of alternative routes. This is the story of a country for which a high oil price proved weaker than an infrastructure disruption.
The war became a test for forecasters. Almost everyone identified the key point: the risk for Kazakhstan was not in Hormuz, but in the CPC, Tengiz, and export infrastructure. But beyond that, forecasts diverged. Some focused on GDP, others on the oil price, and still others on the tenge exchange rate. Reality showed that the key variable was not the Brent price, but the country’s ability to produce, export, and monetize oil.
