Financing Channels

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

Target Purpose

Direct Borrowers:

• Purchase of Fixed Assets (Breeding Livestock)

CP/STB:

• Lending for subsequent financing of end borrowers for the acquisition of fixed assets (breeding stock)

Interest rate

Direct borrowers:

• 6% per annum (AGESV - from 6% per annum)

KT/STB:

• For KT - 3.5% per annum (AGESV - from 3.5% per annum)
  (for lending to end borrowers of KT - the margin is no more than 2.5%);
• for second-tier banks – 3% per annum (average annual interest rate – from 3% per annum)
  (for loans to end borrowers of second-tier banks – the margin is no more than 3%).

Loan amount

Direct borrowers: up to 5 billion tenge.

CT: up to 10 billion tenge

Third-tier banks: up to 25% of the Company's equity

Per final borrower – up to 5 billion tenge.

Loan term

• up to 84 months;

Collateral

• According to the Company's Collateral Policy.

Additional Terms

• Co-financing of at least 15% of the project cost