The banking system of Kazakhstan is developing rapidly and the system's capitalisation now exceeds $1 billion. The National Bank has introduced deposit insurance in its campaign to strengthen the banking sector. Due to troubling and non-performing bad assets the bank sector yet is at risk to lose stability. Several major foreign banks have branches in Kazakhstan, including RBS, Citibank, and HSBC. Kookmin and UniCredit have both recently entered the Kazakhstan's financial services market through acquisitions and stake-building.