"Unibank" KB OJSC paid special attention to business lending in 2022.

"APA-Economics" reports that for the first time in the history of the bank, the portfolio of business loans

year, the amount of loans allocated to the business sector was 336

million manats.

Including, the amount of loans given to the real sector, small and medium enterprises increased by 56% compared to 2021.

In the reporting period, the volume of concessional loans financed only by state funds increased by 8% compared to 2021

It was 22 million manats.

In addition to the increase in funds allocated to business, the number of business owners who chose "Unibank" also increased by 37%.

There are also special increases in other business indicators.

Thus, a 32% increase in settlement cash transactions and a 40% increase in the number of active business customers was recorded.

Last year, the increase in the balance of the accounts of business customers was 65%.

The growth of loan sales for small and medium entrepreneurs was 36.6%, and the growth of the working loan portfolio was 19.1%.

In general, since most business-oriented products and services are automated, business owners have preferred online services.

There is a 92% increase in online loan sales in 2022 compared to 2021 in terms of amount.

The mobile add-on made available for business owners will increase the remote provision of banking services and products to entrepreneurs.

The specific weight of microcredits among the loans directed to business has also increased sharply.

In 2022, a 74% increase was recorded in the microcredit portfolio compared to 2021.

Compared to the previous year, the amount of microloans granted in 2022 increased by 81%, and the number increased by 61%.

Compared to 2020, there was a 229% increase in the amount of microloans granted last year, and a 170% increase in their number.

Since the automated credit system introduced by "Unibank" for small and micro-entrepreneurs greatly facilitates the work of entrepreneurs, most of the micro-loans allocated during the past year were implemented in an automated form.

In 2022, 99% of loans granted were formalized by tablet method.

The scoring system applied on tablets made it easier for entrepreneurs to get loans last year.

Through scoring, the bank employee can automatically analyze the customer by adding numbers to the tablet and determine the amount and terms of the loan to be allocated to him.

In terms of number, 55% of the microloans that were formalized last year were given with the scoring system.

Unibank - Your Bank!