Combined credit facility

Designated purpose Loan currency Loan amount Loan period  Rate Collateral
Funding goals depend on the purpose of the sublimit funding.

Sublimit for Investment Purposes:
  • Acquisition and modernization of fixed assets for business use
  • Capital expenditures in long-term assets
  • Repairs, renovations, and construction of fixed assets
  • Development of new lines of business and expansion of business (including purchase of participatory interest in the authorized capital)
  • Funds for settlements under uncovered letters of credit
  • Provision of guarantee/documentary transaction
  • Refinancing of debts issued for the above purposes.
Sublimit for working capital replenishment:
  • Working Capital Replenishment.
  • Financing of operating expenses related to financial and business activity of the Customer
  • Providing a guarantee/documentary transaction;
  • Refinancing of debt issued for the above purposes.
The currency of the Combined Facility depends on the currencies that are set in the sublimits for Investment Purposes/Working Capital Replenishment:

  • KZT
  • RUB
Maximum amount of the Combined Facility - not more than 100 000 000 RUB (equivalent in KZT as of the date of making decisions).

The maximum amount of the Sublimit for Investment purposes:
  • Not more than 150 000 000 RUB (equivalent in KZT at the date of making a decision) - for a period not exceeding 60 months;

  • Not more than 75 000 000 RUB (equivalent in KZT at the date of the decision) - for a period not exceeding 84 months.

  • Maximum amount of sublimit for replenishment of current working capital:

  • Not more than 150 000 000 RUB (equivalent in KZT at the date of making a decision).
The maximum period of the Combined Facility is not more than 84 months.

Maximum period of sublimits for investment purposes:
  • Up to 84 months - when the maximum amount is up to 75 000 000 RUB (equivalent in KZT at the date of making decisions).

  • Up to 60 months - when the maximum amount is up to 150 000 000 RUB (equivalent in KZT at the date of making decisions).

Maximum period of working capital replenishment sublimit - not more than 36 months.
Individually at the discretion of the Bank's GB.
  • Immovable property (including land plots),
  • Movable property (motor vehicles, special vehicles, equipment, pledged/turnover goods, etc.)
  • Money,
  • Deposit,
  • Other, in accordance with the internal regulatory documents governing the Bank's pledge policy;
  • Guarantee of the “Damu” Entrepreneurship Development Fund JSC (when participating in the project of state/partnership programs).