Financing Channels

• Direct Borrowers;
• Credit Partnerships (CP);
• Second-Tier Banks (STB);

Target Purpose

Direct Borrowers:

• Purchase of Fixed Assets (Breeding Stock)

CP/STB:

• Lending for Subsequent Financing of End Borrowers for the Purchase of Fixed Assets (Breeding Stock)

Rate Interest Rates

Direct Borrowers:

6% per annum (AGEV – from 6% per annum)

Kontakte/Top Tier Banks:

• For Kontakte – 3.5% per annum (AGEV – from 3.5% per annum)
  (for lending to end borrowers of Kontakte – the margin is no more than 2.5%);
• For Top Tier Banks – 3% per annum (AGEV – from 3% per annum)
  (for lending to end borrowers of Top Tier Banks – the margin is no more than 3%).

Financing Channels

• Direct Borrowers;
• Credit Partnerships (CP);
• Second-Tier Banks (STB);
• Microfinance Organizations (MFO);
• Regional Investment Centers (RIC).

Target Purpose

Direct Borrowers:

• Working Capital Replenishment

CP/STB/MFO/RIC:

• Lending for subsequent financing of end borrowers to replenish working capital funds

Interest rate

Direct borrowers:

• 5% per annum (AGER - from 5% per annum)

CT/BVU/MFI/RIC:

• 1.5% (AGER from 1.5% per annum) for lending to end borrowers, the margin is no more than 3.5% per annum

Financing channels

• Credit partnerships;
• Microfinance organizations;
• Second-tier banks;
• Regional investment centers.

Intended purpose Lending for replenishment of working capital for spring field and harvesting work.

Remuneration rate
1.5% per annum (АЕIR - from 1.5% per annum)

Collateral
Collateral that meets the requirements of the Company's collateral policy.

Loan amount
from 1 million tenge to 10 billion tenge (for financial institutions)

Loan term
up to March 10 of the year following the year of financing

Channels of financing

• Direct borrowers; 
• Credit partnerships;
• Second-tier banks;
• Microfinance organizations;
• Regional investment centers;
• Social and entrepreneurial corporations.

Target purpose

• Lending to replenish working capital (for spring field and harvesting operations);
• lending to processing enterprises for replenishment of working capital for subsequent financing of agribusiness entities by means of advance payment for the purchase of crop products (for spring field and harvesting operations);
• replacement of previously issued credit funds for PIC (for conducting WPR&D) under loan agreements.

Interest rate
5% per annum (АЕIR - from 5% per annum) for direct borrowers; 1.5% per annum (АЕIR - 1.5% per annum) for KT, STB, MFO, RIC, SPK (when lending to borrowers of KT, STB, MFO, RIC, SPK, the margin is no more than 3.5%)

Loan amount

• For direct borrowers, second-tier banks, microfinance organizations, and RICs - up to 25% of the Company's equity capital;
• for credit partnerships - not more than KZT 15 bln;
• for social-entrepreneurial corporations - not more than 75 billion tenge.

Loan term
not more than 18 months

Financing channels:

• Direct borrowers;
• Credit unions;
• Leasing companies;
• Second-tier banks;
• Microfinance organizations;
• Regional investment centers.

Loan amount
Minimum amount:  from 1,000,000 tenge (for the NF RK and DKZ - from 50 million tenge).
Maximum amount: investment projects of borrowers/groups of borrowers – up to 15 billion tenge;
Other projects of direct borrowers/groups of borrowers that are not investment projects – up to 15 billion tenge per project;
up to 10 billion tenge per CT.
For SPK – up to 75 billion tenge.

Interest rate:
Own funds/Absorbed funds:
for direct borrowers: NBRK Base Rate plus 7.5% per annum (АЕIR - from the NBRK Base Rate plus 7.5% per annum).
for KT, MFIs, STB, EDBR, LC, RIC - NBRK Base Rate plus 3.5% per annum (АЕIR - from the NBRK Base Rate plus 3.5% per annum) (when lending to borrowers of KT/STB/EDBR/LC/RIC - the margin is no more than 4%, when lending to borrowers of MFIs - the margin is no more than 10%, excluding expenses on paying the fee for the guarantee of the STB/EDBR provided to the MFI/LC as collateral).
Attracted funds (through a bond loan):
for direct borrowers - 5% per annum (АЕIR - from 5% per annum).
for credit institutions/banks/microfinance organizations/research and information centers/specialized credit organizations - 1.5% per annum (general interest rate - from 1.5% per annum) (when lending to credit institutions/banks/microfinance organizations/research and information centers/specialized credit organizations - the margin is no more than 3.5%).

Loan term:

• up to 120 months;
• to replenish working capital 48 months
• to replenish working capital using raised funds (through a bond loan) – up to 12 months.

Financing Channels:

• Direct Borrowers
• Second-Tier Banks (STBs)

Loan Amount

Minimum Amount: from KZT 1,000,000

Maximum Amount: up to KZT 15 billion per investment project

For STBs: no more than 25% of the Company's equity, and no more than KZT 15 billion per end borrower

Interest Rate:

• Direct Borrowers: 12.6% (APR from 12.6% per annum)

• STBs: 2% per annum (APR from 2%), with the nominal interest rate for the end borrower not exceeding 12.6% per annum

Loan Term:

• up to 180 months
• up to 48 months for working capital financing

Co-financing: 

• Direct Borrowers: at least 20% of the project cost

• STBs: not required

Collateral: 

• Direct Borrowers: in accordance with the Company's Collateral Policy

• STBs: unsecured

Financing Channels

• Direct Borrowers;
• Second-Tier Banks (STBs);
• Microfinance Organizations (MFOs);
• Regional Investment Centers (RICs).

Target Purpose

Direct Borrowers:

• Lending to borrowers for working capital for greenhouses/orchards

STBs/MFOs/RICs:

• Lending for subsequent financing of end borrowers for working capital (for greenhouses/orchards)

Interest Rate

Direct Borrowers:

• 5% per annum (AER – from 5% per annum)

Top-tier Banks/MFIs/Regional Credit Institutions:

• 1.5% per annum (AER – from 1.5% per annum)
  (for borrowers from Top-tier Banks/MFIs/Regional Credit Institutions – the margin is no more than 3.5%)

Financing channels:

• Direct lending;
• Credit unions;
• Microfinance organizations.

Intended purpose

• Acquisition of fixed assets;
• Replenishment of working capital.

The interest rate is
Direct borrowers – 6% per annum; for members of low-income and/or large families (Individual Entrepreneurs, Peasant/Farm Enterprises) – no more than 4% per annum; for Credit Partnerships (CPs) and Microfinance Organizations (MFOs) – 2% per annum (APR from 2%), with the nominal interest rate for end borrowers not exceeding 6% per annum.

Collateral Security
that meets the requirements of the Company's collateral policy.

Loan amount:
up to 8000 MCI

Loan term:

• For all projects up to 60 months;
• For projects in the field of livestock farming - up to 84 months.