A high level of credit growth in Kazakhstan characteristic of a pre-crisis time was replaced by a more moderate pace which in turn could not but affect the level of development of financial relations in the country. Tighter funding conditions in foreign markets led to retaliating measures for domestic consumers of the financial services sector in the form of a tightening of credit conditions by banks and an increase in their interest rates. The change in lending standards in the direction of tightening led to a decrease in credit activity of the financial sector and hence a decrease in profit. As a result difficult conditions for Kazakhstan's banking system create new opportunities and challenges to determine their major growth drivers in the future. The modern banking system is a scope of diverse services from traditional lending, deposit and cash payments determining the basis of banking to new forms of monetary and financial instruments. These include not only factoring leasing but also the provision of electronic services; these may be inter-bank electronic payments, transactions in the internet, debit and credit cards. However, this is not all. Transactions involving cash are extremely costly to government and commercial financial institutions. Issuance of new banknotes, the exchange of old ones, maintaining a large staff, great inconvenience and loss of time by ordinary customers - all these represent a heavy burden on the country’s economy. In Russia, for example, about 20% of the cost of every ruble is spent on its own maintenance. One of the possible and the most promising ways to solve the problem of cash flow is the creation of an efficient automated system of non-cash payments. It should be noted that this method is widely used in Kazakhstan and now it is difficult to imagine a service sector where they have not been used: shops, ticket offices, and hotels are ready to serve clients by accepting plastic cards as means of payment.
From 2015 onwards Kazakhstan will have moved to new standards of bridge engineering. The fact is that according to the agreement within the framework of the Customs Union this timeframe provides for the enforcement of technical standards for the construction of bridges of the CU countries. Local manufacturers have already started to prepare for the innovation. Work on the implementation of innovation is under way. The country’s government and private investors have poured in more than 500 million tenge in this sphere.
According to various market research data milk, bread and meat have been the most consumed food in Kazakhstan for many years. However every year food culture is growing in the country, Kazakhstan people have knowledge about numerous cuisines and dishes. So upon analyzing the range of grocery stores marketers found out that instead of the usual workshops for culinary specialties products are now being made using exotic recipes. Initially buyers are offered a standard selection of finished products: burgers, fries, familiar salads with mayonnaise, pickles and fried poultry. With changing preferences ‘healthy eating’ cuisines and dishes from other countries are coming in vogue and are also changing. In leading retailer networks, aimed at consumers of medium and medium plus segments a standard bakery has changed by 50%. In supermarkets they were replaced by salads with light dressings, a variety of fish and seafood, fresh sushi and rolls and a variety of Chinese dishes. Experts say that now the food industry of Kazakhstan is in a stable condition but it requires further development, competitiveness and export potential. The adoption of state programs to support SMEs, loyal taxation have made this industry probably the most successful branch of the processing industry. According to market research 44% of Kazakhstan people have at least once in the last three months visited bars, cafes and restaurants. As the findings of the study indicate coffee shops were at least once attended by 25% of Kazakhstan’s people in the last three months. Moreover, 16% of respondents were in the institutions of the specified format 1-3 times in the last three months. Slightly more than the average for the sample was a response given by young people and those with high income.
In Almaty region aport apple varieties are revived. Last year in the foothills of the Trans-Ili Alatau gardens were laid on 581 hectares. This year the area of farms has been extended. The state aid, according to the leaders of horticulture is invaluable. Up to forty percent of the costs of the villagers in order to plant gardens is paid from the budget. Subsidies for orchards with drip irrigation are on average 600,000 tenge per hectare. Total area of orchards where aport is grown is more than 300 hectares. The uniqueness of this variety is that apple trees grow well and produce fruit only on the slopes of the Trans-Ili Alatau mountains at an altitude of 950-1250 meters above sea level. Currently, the breeding of apples has provided subsidies in the Republican budget which should cover almost half of the costs of farmers. Only in 2012 440 million tenge was allocated for this purpose. Then, for 7 years every hectare of land will get more than a million tenge. Apple gardens are present in more than 80 countries around the world. The annual production of apples in the world ranges from 45 to 50 million tons. Importation of apples in Kazakhstan last year amounted to 155 thousand tons.