No.

Title of the document

Note

Documents to be filled out/signed at the branch/CA of the Company:

1

Application for financing according to the template

Original

2

“Know Your Client” questionnaire for legal entities according to the template

“Know your client” questionnaire for individual households/farmers/individual entrepreneurs according to the template

Original

3

Consent of the subject of the credit history to issue a credit report from the credit bureau (as of the date of application) according to the template ;

Consent of the subject of credit history to provide information about him to credit bureaus (as of the date of conclusion of the agreement) according to the template

Original

4

Consent of the borrower (client) to provide information about loans issued to him and all information about the fulfillment of obligations on them to third parties (as of the date of application) according to the template

Original

No.

Title of the document

Note

LEGAL ENTITIES:

1

Certificate/certificate of state (re-) registration (indicating the BIN), charter*, constituent agreement (if the Charter does not contain complete information about the participant/s, as well as the size of its share in the authorized capital).

Copy

For JSC/LLP (maintaining a register of participants, which is carried out by the registrar):

• an extract from the system of registers of securities holders/register of participants, indicating all shareholders/participants and the number of shares/shares they own, dated no earlier than 1 (one) month before the date of filing the application.

Original

If the Borrower has participants with a share in the authorized capital of more than 10%, the following are provided:

• for individuals – identification documents;
• for legal entities – constituent documents or a register of shareholders (participatory interests) (to identify the beneficial owner).

Copy

For PC/SPK additionally:

1) Documents confirming compliance with the procedure for convening the authorized body of the legal entity that made the decision to provide security/issuance of a guarantee (in the absence of a quorum of participation of persons vested with the right (power) to make the relevant decision).

2) Documents confirming the rights of members of the Cooperative to a share (share), if the member of the Cooperative did not make a contribution personally, are provided:

• documents on the basis of which the share (share) of a member of the Cooperative was transferred to the new owner (agreement of sale/purchase/donation/exchange of share (share);
• documents confirming compliance with the pre-emptive right of purchase - when transferring a share (part thereof) to a citizen who is not a member of the cooperative;
• documents confirming payment of the cost of the share - when purchasing a share for a fee.

Copy

If there are participants - foreign legal entities, documents are provided according to clauses 1.2, with the mandatory requirement of availability (except for cases provided for by law and/or international treaties):

• apostille of documents;
• notarized translation of documents.

Original

2

Excluded in accordance with the decision of the Company's Management Board dated November 28, 2022 No. 95

-

3

Identity card (indicating IIN) of the first manager, registration certificate of registration of a non-resident as a taxpayer (if the manager is a foreign citizen).

The decision of the authorized body of the Borrower on the formation of the executive body, on the election/appointment of the Board of Directors of the JSC and the appointment of the head/power of attorney issued to the authorized person confirming his authority to sign loan and collateral documentation on behalf of the Borrower.

Copy

4

Financial statements (balance sheet, profit and loss statement, cash flow statement, statement of changes in equity capital) of the Borrower for the last quarter and the last two reporting years with explanations of balance sheet items and/or information posted on websites allowing for analysis about the financial condition of the Borrower; if available, audited financial statements.

Copy

5

Tax return for the last reporting year with a mark from the Tax Committee on the submission of the report or electronic confirmation.

Copy

6

A certificate from the servicing bank about the presence of accounts, loans/overdue debts, turnover indicating the incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, about the presence/absence of debt under K-2 (the certificate is issued no earlier than 3 months before the date consideration of the draft by the CC).

Original

7

A certificate confirming the absence (presence) of the Borrower for the last reporting quarter preceding the date of application, tax debt, debt for mandatory pension contributions and social contributions, or a reconciliation report issued by the tax authorities.

Original

8

The decision of the authorized body of the Borrower to apply for a loan, pledge property with the right to out-of-court implementation, provide a guarantee, issue a surety, with notarized authentication of the signatures of the participants.  

If at the general meeting of participants of the LLP or other authorized bodies of the legal entity the presence is less than 100%, then it is necessary to submit documents confirming the proper notification of the participants about the upcoming meeting with the participant’s note on receipt of such notification. If the LLP consists of 100 or more participants, it is necessary to submit a printed publication in which there was an announcement of the general meeting reflecting the agenda.

If a legal entity consists of 10 or more participants, then only the signatures of the chairman and secretary of the general meeting are subject to notarization in the decision.

Original

9

State license (if the activities carried out by the Borrower are subject to licensing under the legislation of the Republic of Kazakhstan) (if available).

Copy

10

Business plan or feasibility study for issuing a loan with supporting documents or other documents allowing to assess the Borrower’s creditworthiness, not limited to the following, providing the following information:

• description of the activity indicating the purposes of using the loan;
• sales markets and marketing strategy of the borrower;
• risk assessment and management;
• financial plan detailed by year (financial indicators of the implementation of the business plan by year, sources and volumes of financing the business plan and loan repayment) and cost estimates (except for the Co-borrower) (except for small businesses).

Original

eleven

Notification of receipt of electronic digital signature***

Copy

12

The decision of the authorized body in the field of environmental protection on determining the category of the object and the Conclusion on an environmental assessment/Conclusion of the state environmental examination/environmental permit/declaration, if the planned type of activity falls under the types of activities and objects that have a negative impact on the environment in accordance with Appendix No. 1 and No. 2 of the Environmental Code of the Republic of Kazakhstan*** (if necessary)*****.

When financing for spring field and harvesting work, these documents are not required.

Original /
in the form of an electronic document signed with an electronic digital signature

PEASANT (FARM) ECONOMIES / INDIVIDUAL ENTREPRENEURSHIP (KH/FH/IP):

1

Documents confirming the legal status of the applicant/borrower as a farm/farm/individual entrepreneur/PT (certificate/certificate of state registration of individual entrepreneur/attachment to the certificate/extract from the state electronic register of permits and notifications of notifications sent by applicants/documents for the land plot provided for management of farm/farm management, agreement on joint activities and others).

Note: Additionally, it is necessary to check the legal status of the applicant/borrower on the Internet resource of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan www.kgd.gov.kz in the “Search for Taxpayers” mode.

Copy

2

The decision of the local executive body on the provision of land plot/s on the right of private ownership or on the right of temporary paid land use for running a peasant (farm) enterprise, a lease agreement (purchase and sale) of the land plot/s and an act to the right of private property or temporary paid land use.

Copy

3

Identity card of the head of the farm/individual enterprise, in the case of several members of the farm, then copies of the identity cards of all members of the farm.

A copy with a mark of verification from the original

4

Tax return for the last reporting year with a mark from the Tax Committee on the submission of the report or electronic confirmation.

Copy

5

A certificate from the servicing bank about the presence of accounts, loans/overdue debts, turnover indicating the incoming and outgoing balance of money at the beginning and end of the month, for the last 12 months, about the presence/absence of debt under K-2 (the certificate is issued no earlier than 3 months before the date consideration of the draft by the CC).

Original

6

A certificate confirming the absence (presence) of the Borrower for the last reporting quarter preceding the date of application, tax debt, debt for mandatory pension contributions and social contributions, or a reconciliation report issued by the tax authorities.

Original

7

Minutes of the general meeting of members of the farm/farm to raise a loan (providing a guarantee), indicating its amount, term and intended use, and notarized authentication of the signatures of the members of the farm/farm (if the head of the farm/farm operates on the basis of personal entrepreneurship, no decision required).

If the farm/farm consists of 10 or more members, then the authenticity of the signatures of the head of the farm/farm and the secretary of the meeting must be notarized in the minutes.

Original

8

Business plan or feasibility study for issuing a loan with supporting documents or other documents allowing to assess the Borrower’s creditworthiness, not limited to the following, providing the following information:

• description of the activity indicating the purposes of using the loan;
• sales markets and marketing strategy of the borrower;
• risk assessment and management;
• financial plan detailed by year (financial indicators of the implementation of the business plan by year, sources and volumes of financing the business plan and loan repayment) and cost estimates (except for the Co-borrower) (except for small businesses).

Original

9

Notification of receipt of electronic digital signature***

Copy

10

The decision of the authorized body in the field of environmental protection on determining the category of the object and the Conclusion on an environmental assessment/Conclusion of the state environmental examination/environmental permit/declaration, if the planned type of activity falls under the types of activities and objects that have a negative impact on the environment in accordance with Appendix No. 1 and No. 2 of the Environmental Code of the Republic of Kazakhstan*** (if necessary)*****.

When financing for spring field and harvesting work, these documents are not required.

Original /
in the form of an electronic document signed with an electronic digital signature

No.

Title of the document

Note

LEGAL ENTITIES:

1

Certificate/certificate of state (re-) registration (indicating the BIN), charter*, constituent agreement (if the Charter does not contain complete information about the participant/s, as well as the size of its share in the authorized capital).

Copy

For JSC/LLP(maintaining a register of participants, which is carried out by the registrar):

• an extract from the system of registers of securities holders/register of participants, indicating all shareholders/participants and the number of shares/shares they own, dated no earlier than 1 (one) month before the date of filing the application.

Original

If the Borrower has participants with a share in the authorized capital of more than 10%, the following are provided:

• for individuals – identification documents;
• for legal entities – constituent documents or a register of shareholders (participatory interests) (to identify the beneficial owner).

Copy

For PC/SPK additionally:

1) Documents confirming compliance with the procedure for convening the authorized body of the legal entity that made the decision to provide security/issuance of a guarantee (in the absence of a quorum of participation of persons vested with the right (power) to make the relevant decision).

2) Documents confirming the rights of members of the Cooperative to a share (share), if the member of the Cooperative did not make a contribution personally, are provided:

• documents on the basis of which the share (share) of a member of the Cooperative was transferred to the new owner (agreement of sale/purchase/donation/exchange of share (share);
• documents confirming compliance with the pre-emptive right of purchase - when transferring a share (part thereof) to a citizen who is not a member of the cooperative;
• documents confirming payment of the cost of the share - when purchasing a share for a fee.

Copy

If there are participants - foreign legal entities, documents are provided according to clauses 1.2, with the mandatory requirement of availability (except for cases provided for by law and/or international treaties):

• apostille of documents;
• notarized translation of documents.

Original

2

Excluded in accordance with the decision of the Company's Management Board dated November 28, 2022 No. 95

-

3

Identity card (indicating IIN) of the first manager, registration certificate of registration of a non-resident as a taxpayer (if the manager is a foreign citizen).

The decision of the authorized body of the Borrower on the formation of the executive body, on the election/appointment of the Board of Directors of the JSC and the appointment of the head/power of attorney issued to the authorized person confirming his authority to sign loan and collateral documentation on behalf of the Borrower.

Copy

4

The decision of the authorized body of the Pledgor to pledge the property (indicating the generic characteristics (identification characteristics) of the subject of the pledge), with the provision of the right to its out-of-court implementation, the provision of a guarantee, the issuance of a surety, with notarization of the authenticity of the signatures of the participants.  

If at the general meeting of participants of the LLP or other authorized bodies of the legal entity the presence is less than 100%, then it is necessary to submit documents confirming the proper notification of the participants about the upcoming meeting with the participant’s note on receipt of such notification. If the LLP consists of 100 or more participants, it is necessary to submit a printed publication in which there was an announcement of the general meeting reflecting the agenda.

If a legal entity consists of 10 or more participants, then only the signatures of the chairman and secretary of the general meeting are subject to notarization in the decision.

In the decision of the authorized body of the Pledgor to pledge property coming into ownership in the future (in the form of equipment, machinery, goods in circulation (in the form of bio-assets), a decision is simultaneously made to pledge equipment, technology, goods in circulation (in the form of bio-assets ), indicating the names, quantity, cost of equipment, equipment, goods, place of storage of goods, as well as documents confirming the rights of the pledgor to the equipment, equipment, goods pledged as collateral (supply agreements, purchase and sale agreements and other documents).

Original

5

Certificate from the servicing bank confirming the existence of an account indicating its details****

Original

PEASANT (FARM) ECONOMIES / INDIVIDUAL ENTREPRENEURSHIP (KH/FH/IP):

1

Documents confirming the legal status of the applicant/borrower as a farm/farm/individual entrepreneur/PT (certificate/certificate of state registration of individual entrepreneur/attachment to the certificate/extract from the state electronic register of permits and notifications about notifications sent by applicants/documents for the land plot provided for management of farm/farm management, agreement on joint activities and others).

Note: Additionally, it is necessary to check the legal status of the applicant/borrower on the Internet resource of the State Revenue Committee of the Ministry of Finance of the Republic of Kazakhstan www.kgd.gov.kz in the “Search for Taxpayers” mode.

Copy

2

The decision of the local executive body to provide land plot/s on the right of private ownership or on the right of temporary paid land use for running a peasant (farm) economy;

Copy

3

Identity card of the head of the farm/individual enterprise, in the case of several members of the farm, then copies of the identity cards of all members of the farm.

A copy with a mark of verification from the original

4

Minutes of the general meeting of members of the farm/farm on the pledge of property (indicating the name of the property, its location, quantity (subject of pledge), substance, size or maximum amount and deadline for fulfilling the obligation secured by the pledge) and granting the right to its extrajudicial implementation, with notarized authentication of the signatures of all members of the farm/farm.

Marriage registration certificate (copy) and notarized consent of the spouse - the head of the farm/farm on the pledge of property (indicating the name of the property, its location and quantity) and its extrajudicial sale, if the subject of pledge is the common joint property of the spouses ( original) or a notarized statement of the pledgor stating that he was not married at the time of acquisition of the collateral (original).

Minutes of the general meeting of members of the farm/farm on the pledge of property coming into ownership in the future (in the form of bio-assets), at the same time a decision is made on the pledge of equipment, machinery, goods in circulation (in the form of bio-assets), indicating the names, quantities, the cost of equipment, equipment, goods, place of storage of goods, as well as documents confirming the rights of the pledgor to the equipment, equipment, goods pledged as collateral (supply agreements, purchase and sale agreements and other documents).

Original

5

Certificate from the servicing bank confirming the existence of an account indicating its details****

Original

No.

Title of the document

Note

1

Identification document: identity card/passport of a citizen of the Republic of Kazakhstan; residence permit for a foreigner in the Republic of Kazakhstan; certificate of a stateless person.

Copy

2

Identity card of the spouse (indicating IIN).

Marriage registration certificate.

Copy

3

Notarized consent of the spouse, all co-owners for the pledge and extrajudicial implementation of the pledge, (indicating the name of the property, its location and quantity, as well as the main secured obligation) - if the property offered as pledge is in a common joint property (spousal property, ownership of a privatized home), or an application from the mortgagor if he is not married at the time of acquisition and provision of the collateral.

Note:

• written consent of the guardianship and trusteeship authority - original (if the co-owners are minor children or citizens recognized by the court as incompetent (partially capable);
• a marriage contract concluded between spouses - a notarized copy (if such a contract defines the right of the spouse to independently dispose of the property that is the subject of security);
• agreement on the division of common property concluded between spouses (notarized copy) (if such agreement defines a different regime for the disposal of property that is the subject of security (i.e. not the regime of common joint property of spouses).

Original

4

Certificate from the servicing bank confirming the existence of an account indicating its details****

Original

When financing construction and installation work/purchase of equipment/breeding farm animals:

According to the list of documents

Copy

When lending to agricultural entities for subsequent financing of agricultural producers by purchasing crop products:

Contracts for the purchase of crop products

Copy

A list of agricultural enterprises to which it is planned to issue funds through a loan, signed by the director and chief accountant of the borrower, sealed (if any).

Original

Documents according to the template

Copy

When purchasing biological assets (farm animals)

A general statement of identification of the seller's farm animals, confirming their availability (as of the date before the loan was issued), with the exception of imported breeding animals (not required during legal due diligence).

Original