Objectives

Working Capital Increase

Investment Objectives

Refinancing of Existing Loans

Financing Terms

Financing Currency

KZT

Remuneration Rate

from 22.5% to 23.5% (APR from 25.6% to 34%)*

Type of Credit

Bank Loan
Revolving/Non-revolving Credit Line

Term

For Working Capital Replenishment:

credit line/bank loan — up to 60 months
tranche under the credit line — up to 24 months

For Investments:

credit line/bank loan/tranche under the credit line — up to 84 months

Loan Amount

Up to 3,000,000,000 ₸

Repayment Schedule

Principal – monthly differentiated payments
Remuneration – monthly
Principal – monthly annuity payments
Remuneration – monthly
With 100% collateral security, the principal repayment schedule is set by agreement with the borrower
Remuneration payment – monthly
Individual principal repayment schedule set by the Bank's authorized body
Remuneration – monthly

Grace Period for Principal Repayment

For Working Capital Replenishment — up to 6 months (as decided by the Bank's authorized body)
For Investment Purposes — up to 12 months (as decided by the Bank's authorized body)

Collateral

Real Estate
Movable Property
Money Pledge

Fees

According to the bank's approved tariffs**

* Remuneration rates were approved by the decision of the Asset and Liability Management Committee (Appendix No. 1 to Minutes No. 56-14 dated May 6, 2026)

** The tariffs do not apply to state programs if provided by the agreement between the Bank and the financial agency and/or the legislation of the Republic of Kazakhstan and/or program conditions and/or the decision of the Bank's authorized body.

"Green" loans are recognized as targeted loans aimed at financing the implementation of "green" projects.

The classification (taxonomy) of "green" projects eligible for financing through "green" bonds and "green" loans is approved by the resolution of the Government of the Republic of Kazakhstan dated December 31, 2021 No. 996.

Frequently Asked Questions

1. What is «green» financing?: These are loans for projects aimed at energy saving, waste recycling and environmentally friendly technologies.

2. Who can get financing?: Legal entities and individual entrepreneurs implementing environmental projects.

3. Are supporting documents for «green» purposes required?: Yes, a business plan and confirmation of the project's environmental effect are provided.