Credit conditions parameters

Lending terms

Sales channels

Direct borrowers

CT *

MFO, STB / EDB , LC, RIC

Special purpose

SS / PS:

OS, including modernization of facilities; Construction and installation work, including reconstruction;

PIC;

refinancing of outstanding loans.

lending to KT / MFO / STB / EDB / LC for subsequent financing of end borrowers for:

OS, including modernization of facilities;

Construction and installation work, including reconstruction (except for the paintwork);

POS (excluding LC).

RB:

to finance projects of agribusiness entities aimed at the production and processing of agricultural products, as well as the purchase of agricultural machinery and / or attached / trailed equipment:

OS, including modernization of facilities;

Construction and installation work, including reconstruction;

POS **.

lending to KT / STB / EDB / LC / RIC for subsequent financing of end borrowers (agribusiness entities) for the production and processing of agricultural products, including :

OS, including the modernization of facilities (excluding vehicles) ;

Construction and installation work, including reconstruction (except for the paintwork);

POS (excluding LC) * *.

NF RK:

Financing in priority investment areas in accordance with Appendix No. 1 of the Standards and requirements for product programs of Agrarian Credit Corporation JSC:

OS, including modernization of facilities; Construction and installation work, including reconstruction;

lending to reimburse borrowers for previously incurred project costs and / or to pay off accounts payable in accordance with the Corporation's IRR.

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Credit line / loan term

SS / PS:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 120 months;

POS - up to 48 months;

when refinancing a loan debt, it is determined within the terms of crediting for the intended purpose.

up to 360 months

up to 120 months

for borrowers KT / MFO / STB / EDB / LC:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 120 months;

POS - up to 48 months.

RB:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 120 months;

POS - up to 24 months.

up to 120 months

for borrowers KT / STB / EDB / LC / RIC:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 120 months;

POS - up to 24 months.

NF RK:

According to Appendix No. 1 of the Standards and Requirements for the product programs of Agrarian Credit Corporation JSC:

OS, including modernization of facilities; Construction and erection works, including reconstruction - up to 144 months.

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Lending rate

SS / PS:

up to 17% per annum (GESV - from 17% per annum)

OS, including modernization of facilities; Construction and erection works, including reconstruction - up to 12% per annum (GESV - from 12% per annum), (when lending to KT borrowers - a margin of no more than 4%);

PIC - up to 13% per annum (GESV - from 13% per annum), (when lending to KT borrowers - a margin of not more than 4%)

up to 12% per annum *** (GESV - from 12% per annum) (when lending to borrowers MFO / STB / EDB / LC - margin no more than 4%, excluding the cost of paying remuneration for the guarantee of STB / EDB provided by MFO / LC in quality of security)

RB:

OS, including modernization of facilities; Construction and erection works, including reconstruction - 8% per annum (HPP - from 8% per annum);

PIC - 9% per annum (GESV - from 9% per annum).

For STB / EDB :

Credit rating (on a scale P & S Global , Fitch Ratings or appropriate scale Moody`s Investors Servise ):

"BB +" (inclusive) and above - 2.8% per annum (HPP - from 2.8% per annum);

"BB" - 3.0% per annum (GESV - from 3.0% per annum);

"BB-" - 3.2% per annum (GESV - from 3.2% per annum);

"B +" - 3.5% per annum (GESV - from 3.5% per annum);

"B" - 4.5% per annum (HPPE - from 4.5% per annum);

"B-" - 5% per annum (HPEC - from 5% per annum);

(when lending to borrowers of STB / EDB, the margin is not more than 4%)

For KT / LK / RIC - 5% per annum (GESV - from 5% per annum) (when lending to borrowers KT / LK / RIC - margin no more than 4%).

NF RK:

6% per annum (GESV - from 6% per annum)

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Grace period for the repayment of ML and remuneration

SS:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 24 months;

POS - up to 12 months;

when refinancing a loan debt, it is determined within the terms of crediting for the intended purpose.

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 24 months;

POS - up to 12 months.

RB:

for ML repayment:

for the production and processing of agricultural products - up to 24 months;

for the purchase of agricultural machinery / equipment - up to 12 months.

to pay off remuneration:

up to 12 months

NF RK:

According to Appendix No. 1 of the Standards and Requirements for the product programs of Agrarian Credit Corporation JSC:

OS, including modernization of facilities; Construction and installation work, including reconstruction - up to 36 months.

Currency

tenge

Amount

1 000 000 tenge up to 25% of the equity of the Corporation

1 000 000 tenge up to 25% of the equity capital of the Corporation (a maximum risk limit amount to the MFI / STB / EDB / LK installed solution UO)

NF RK:

50 000 000 tenge up to 25% of the equity of the Corporation

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Security

According to the Collateral Policy.

According to the Collateral Policy.

When financing STB / EDB, collateral is not required, within the limit established by the decision of the MA.

Financing of LC:

without providing - in the presence of a rating from international - - GOVERNMENTAL rating - - x agencies not lower «B-» scale S & P Global and / or Fitch Ratings and / or below B3 scale Moody`s Investors Servise and in accordance with the Method of setting limits on banks- counterparties, leasing companies and microfinance organizations ;

under warranty STB / EDB with international rated from - - GOVERNMENTAL rating - - x agencies not lower «B-» scale P & S Global and / or Fitch Ratings and / or below B3 scale Moody`s Investors Servise .