Financing channels

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

Intended purpose:
Lending to replenish working capital for spring field and harvesting work.

Interest rate of
1.5% per annum (АЕIR - from 1.5% per annum) (for loans to borrowers of credit unions, regional investment centers, microfinance organizations, second-tier banks - margin no more than 3.5%)

Collateral

In accordance with the requirements:

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

Loan amount
from 1 million tenge to 10 billion tenge (for credit unions)
from 1 million tenge to 25% of the Company's equity capital (for financial institutions)

The loan term
is until March 10 of the year following the year of financing.

Financing channels:

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

Intended purpose:

Lending for replenishment of working capital (for carrying out spring field and harvesting work).

Interest rate:
5% per annum (АЕIR - from 5% per annum) for direct borrowers;
1.5% per annum (АЕIR - 1.5% per annum) for credit institutions, second-tier banks, microfinance organizations, regional credit centers, and joint-stock companies (when lending to borrowers from credit institutions, second-tier banks, microfinance organizations, regional credit centers, and joint-stock companies, the margin is no more than 3.5%).

Collateral:
1) For 85% of the loan amount – in the form of a guarantee from JSC FRP Damu; for the remaining loan amount (15%) and remuneration – in the form of collateral that meets the requirements of the Company’s collateral policy;
2) Collateral that meets the requirements of the Company’s collateral policy.

Loan amount

• For direct borrowers, second-tier banks, microfinance organizations, and regional information centers - up to 25% of the Company’s equity capital;
  
• for credit unions – no more than 15 billion tenge;
  
• for agricultural production cooperatives – no more than 75 billion tenge
  

The loan term
is no more than 18 months

Financing channels

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

Intended purpose

• Acquisition of fixed assets;
• Carrying out construction and installation works;
• Replenishment of working capital;
• Implementation of investment projects.

Interest rate
Own funds/Absorbed funds:
for direct borrowers: NBRK base rate plus 7.5% per annum (АЕIR - from NBRK base rate plus 7.5% per annum).
for CT, MFIs, STB, EDBR, LC, RIC - NBRK base rate plus 3.5% per annum (АЕIR - from NBRK base rate plus 3.5% per annum) (when lending to CT/STB/EDBR/LC/RIC borrowers - the margin is no more than 4%, when lending to MFI borrowers - the margin is no more than 10%, excluding expenses on paying interest for the guarantee of STB/EDBR provided to 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%).

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

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 7 billion tenge; other projects that are not investment projects, up to 5 billion tenge per borrower, up to 10 billion tenge per group of borrowers; up to 10 billion tenge per CT.
For raised funds (through bond loans):
For direct borrowers and CT – up to 7 billion tenge (inclusive) per borrower, up to 10 billion tenge per group of borrowers.
For SPK – up to 75 billion tenge.

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 lending;
• Credit unions;
• Microfinance organizations.

Intended purpose

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

The interest rate is
6% per annum (AEIR - from 6% per annum). For members of low-income and/or large families - 4% per annum (AEIR - from 4% 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.