Corporate crediting is subdivided into two types –  loan and  credit line.

Loan is an one-time provision by bank to the funds borrower for a certain term.
Credit line is a provision by bank to the borrower of the right to money within a limit during a fixed term.
Crediting purpose: replenishment of current assets, issue of guarantees, letters of credit, trade financing.
Interest rate: established individually according to each project taking into account history of cooperation of the Bank and the borrower, term of crediting, loan pledge.

Lending terms

Type of lending:
-  Loan;
-  Non- revolving credit line;
-  Revolving credit line

Term

   from 3 to 36 months

Interest rate*

   The interest rate in US dollars (USD) is from 5.5 to 9.5% per annum (depends on the SOFR rate), the annual effective interest rate is from 5.7% to 12% per annum;
 
  The interest rate in tenge (KZT) is from 15% to 21% per annum, the annual effective interest rate is from 16.3% to 27% per annum;

   The interest rate in yuan (CNY) is from 3.5% to 6% per annum, the annual effective interest rate is from 3.7% to 8% per annum.

Currency

   tenge, US dollar, chinese yuan.

Repayment of principal

   monthly, quarterly, at the end of the loan term, semiannually

Repayment of interest

   monthly, quarterly, at the end of the loan term, semiannually

Loan arrangement fees (loan, credit line)

   0%-1,5% pay out in a lump sum (excluding VAT)

Commitment fee (loan, credit line)

   0%-1,5% from unused loan amount (excluding VAT)

Additional terms:

   The credit line availability period determined for each client individually.

Legal fee provisions

1. In case of delay of  loan interest payment: 0.1 (zero point one tenth)% out of unpaid interest amount for each day of the past due payment

2. In case of delay of principal repayment: 0.1 ((zero point one tenth)% out of  unpaid principal amount for each  day of the past due payment

3. Misuse of available loan funds: 5 (five)% out of misused funds amount

4. In case of  violation of  borrower commitments (on insurance and mortgage): 0.1 (zero point one) % from the principal amount

5. Violations occurred through other conditions: 5 (five) % out of the given loan amount

*The interest rate in tenge and in yuan may vary depending on the Base Rate of the National Bank of the Republic of Kazakhstan (KZT) and the People's Bank of China (CNY)

According to the minutes of the Asset and Liability Management Committee # 29 dated June 6, 2024