She asked how secure bank data is and whether there is a risk of leaks.
In response to this statement, National Bank representative Sanjar Abdygaziev noted that there are strict requirements for ensuring data confidentiality. According to him, there have been no registered cases of information leaks to date.
Nevertheless, the deputy expressed the opinion that dropping may be related to data leaks. She also touched upon the issue of legal liability for commercial banks, pointing out that increased debt burdens can have serious consequences for citizens.
Kozhokulova specifically emphasized the problem of assessing collateral, asserting that in some cases, the amounts of collateral are undervalued, which could be considered fraud on the part of banks.
In response, Abdygaziev explained that the National Bank does not set specific collateral amounts but determines general requirements and the procedure for their calculation, including the criteria that banks must consider when assessing.
He also added that inflating the collateral amount without justification is a violation of the law.
The deputy stressed that commercial banks should be held accountable for their unscrupulous actions, and in appropriate cases, the possibility of revoking licenses from such institutions should be considered.
Note:
Dropping is a fraudulent scheme in which a person provides their bank cards, accounts, electronic wallets, SIM cards, or personal data to criminals for transferring, cashing out, and concealing the source of illegally obtained funds. Often, droppers are individuals who, for a reward, agree to issue a card or grant access to their account to third parties.
