JSC "agrarian credit Corporation"

About the Institute:

  • Created on the basis of pprk No. 665 dated 26 April 1997 "On creation of Fund of development of small entrepreneurship"
  • 100% owned by the Government of Kazakhstan sole shareholder - JSC "national managing holding "KazAgro", which is headed by the Deputy Prime Minister of Kazakhstan

The status and mandate:

  • Promoting — sustainable — development of agribusiness complex of Kazakhstan by creating an accessible and effective system of financing through the involvement of private financial institutions and increasing competitiveness of agribusiness entities.

Capitalization and access to funding:

  • Credit ratings are BB (5&R)
  • Regular access to internal capital market
  • Access to preferential Government loans, and financing from the state budget

The program "Ken Dala"

Direct lending
Not direct lending (funding STB)
Goal
  • Loans for replenishment of working capital for carrying out of spring field and harvesting works;
  • Loans for replenishment of working capital for subsequent financing of subjects of agriculture through the advance purchase of crop production for the spring sowing and harvesting works;
  • Replacement sobstvennikovtvorcheskikh of funds used to Finance the borrowers on carrying out spring and field and harvest works.
Time
  • before 1 December of the relevant year of funding
Rate
  • 3% (annual effective interest rate — from 3% per annum)
  • 2% (annual effective interest rate — 1% per annum) (when lending to final borrowers BVU — margin is not more than 4%)
The amount
  • up to 1 000 000 тенге of up to 25% of the собственно капитала From
  • from 1 000 000 tenge till 25% of own capital of Corporation (not more than the amount of the risk limit established for the Bank-contractor)

The Program Of "Agribusiness"

Direct lending
Not direct lending (funding STB)
Purpose

The purpose of the private funds/ attracted funding:

Due to lending via second-tier banks for financing of final borrowers on:

  • Investments in fixed assets, including modernization of existing facilities; Construction and installation works, including reconstruction (loan term up to 120 months);
  • Acquisition of fixed sredsta, including calendarization of existing facilities; Construction and installation work, including reconstruction; (loan term — up to 120 months);
  • Working capital (loan term — up to 48 months);
  • Working capital (loan term — up to 48 months);

The purpose in the budget financing

Project financing of agribusiness entities (lending to the STB, followed by the financing ultimate borrowers), aimed at the production and processing of agricultural products, and the purchase of agricultural machinery imli mounted/trailed equipment:

  • Acquisition and modernization of fixed assets; Stroitelnomontazhnyh work, including the reconstruction of the (time—up to 120 months);
  • Working capital financing (term— up to 48 months, srectrade — up to 12 months)
Time
  • Acquisition of fixed assets, including modernisation of facilities; Stroitelnomontazhnyh works, including reconstruction —up to 120 months;
  • Working capital financing — up to 48 months, srectrade — up to 12 months
Rate
  • Own funds/Attracted funding to 17% (annual effective interest rate of 17% per annum)
  • Own funds/Attracted funding 12% (annual effective interest rate is 12% per annum) (when lending to final borrowers BVU - margin is not more than 4 %)
  • Budget financing 8% (annual effective interest rate of 8% per annum)
  • Budget financing from 2.8 % to 5% per annum depending on credit rating STB)(when lending to final borrowers BVU - margin is not more than 4%)
The amount
  • from 1 000 000 tenge to 25% of sobstvenicite Corporation
  • 1,000 000 tenge till 25% of own capital of Corporation (+in more than the amount of the risk limit established for the Bank-contractor)

The Program Of "Agribusiness"

(including funds borrowed from the National Fund of Kazakhstan)

Direct lending
Goal

The purpose of the private funds/ attracted funding:

  • Investments in fixed assets, including modernization of existing facilities;
  • Construction and installation works, including reconstruction (up to 144 months);
Time
  • Investments in fixed assets, including modernization of existing facilities;
  • Construction and installation works, including reconstruction (up to 144 months);
Rate
  • 6% (annual effective interest rate — of 6% per annum)
Grace period for repayment of OD and reward
  • Investments up to 36 months
The amount of loan
  • up to 50 000 000 тенге of up to 25% of the собственного капитала From

Program "Agroeksport"

Direct lending
Not direct lending (funding STB)
Goal
  • the financing of projects with export potential;
  • loans for the borrowers reimbursement of previously incurred project costs imli to the repayment of debt.
Time
  • Acquisition of fixed assets, including modernisation of facilities;
  • Construction and installation works, including reconstruction —up to 120 months;
  • Working capital financing —up to 48 months, and the tranche term — up to 12 months
The rate for direct lending
The rate for non direct loan
  • Investments up to 8% (annual effective interest rate of 8% per annum).
  • Investments — 4% (annual effective interest rate of 4% per annum) (when lending to final borrowers BVU — margin is not more than 4%)
  • Working capital — to 11.28% (annual effective interest rate — from 11.28 per cent per annum).
  • Working capital is 7.28% (annual effective interest rate - from of 7.28% per annum) (when lending to final borrowers BVU — margin is not more than 4%).
Grace period for repayment of OD and reward
  • for gardens up to 36 months;
  • from other areas — up to 24 months
The amount of lending
  • 50 000 000 tenge to 25% of sobstvenicite Corporation

Program "Agrocommercial"

Direct lending
Not direct lending (funding STB)
Goal
  • Working capital
  • Lending to regulated banks for subsequent financing of final borrowers for working capital
Time
  • up to 48 months
  • up to 48 months
The rate for direct lending
The rate for non direct loan
  • 19% (annual effective interest rate from 19% per annum)
  • 15% (annual effective interest rate — from 15% per annum) when lending to final borrowers BVU - margin is not more than 4%).
Grace period for repayment of OD and reward
  • up to 12 months
  • up to 12 months
The amount of lending
  • from 1 000 000 tenge to 25% of sobstvenicite Corporation

Program "Economicistic things"

Direct lending
Goal
  • Acquisition of fixed assets, including modernisation of facilities; construction and installation works, including reconstruction;
  • Working capital
Time
  • acquisition of fixed assets, including modernisation of facilities; construction and installation works, including reconstruction — up to 84 months, but no later than 2026;
  • working capital — up to 36 months, but no later than 2026 (the tranche term - up to 12 months).
Rate
  • 15% (annual effective interest rate — from 15% per annum), including taking into account the subsidy
  • 5% per annum for the purchase of agricultural equipment, farm animals, purchase of fixed assets, construction;
  • 10% interest on working capital.
Grace period for repayment of OD and reward
  • acquisition of fixed assets, including modernisation of facilities; construction and installation works, including reconstruction — up to 24 months;
  • working capital — up to 12 months.
The amount of lending
  • Up to 10 000 000 тенге up to 24% of the собственного капитала From
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