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Interbank crediting (hereinafter-the IBC) is a conditional financing of the DBK of end borrowers through second-tier banks.

The purpose of interbank lending (hereinafter – the IL) is DBK's financing of private enterprise projects in priority sectors of the economy, creation of new and expansion of operating enterprises in the processing industry, refinancing of current projects and making up of current assets.

The mechanism of joint lending allows you to bring affordable financing to small and medium businesses, while sharing credit risks and the procedure for monitoring the implementation of projects with commercial banks.

Since December 2014, the DBK also provides financing through commercial banks of state programs to support businesses, approved by the Government of Kazakhstan in 2014-2016:

  1. Lending large businesses in the manufacturing industry (I and II tranche)
  2. Support of domestic automakers.

According to the terms of interbank financing, partner banks are prohibited from investing the allocated funds in financial instruments and/or transactions with them, as well as in the foreign exchange market for the purchase of foreign currency. DBK conducts regular monitoring of the development of credit resources and their intended use.

I. Lending projects in manufacturing industry (I and II tranches)

The lending conditions for end borrowers approved by the Government Resolution No. 1276 of December 05, 2014 (1 tranche) and No. 124 of March 11, 2015 (2 tranches) are as follows:

Target group large business entities implementing projects in the manufacturing industry
 Nominal interest rate not more than 6% per annum
 Credit period up to 10 years
 Loan currency tenge
Grace period for payment of principal debt not more than 24 months
 Financing limit per borrower up to 7 billion tenge (with the exception of food industry projects where there is no limit)

List of 12 partner banks approved by the decision of the State Commission for economic modernization:

JSC "Halyk Bank of Kazakhstan"
JSC "Nurbank"
JSC "Bank RBK"
JSC "Forte Bank"
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АО "Банк ЦентрКредит"
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II. Support of domestic automakers

The funds of the National Fund and the Republican budget of the Republic of Kazakhstan are allocated to support domestic automakers through conditional financing of second-tier banks (hereinafter - STB) for lending to individuals - buyers of Kazakhstan-made passenger cars.

The total funding limit is 26 billion tenge from the national Fund, 8 billion tenge from the National budget and 40 billion from the National Bank of RK. 

Second-tier banks conduct an examination of the solvency of end borrowers and decide on the issuance of loans. The queue for issuing loans to individuals is conducted by second-tier banks.

If the second-tier banks have idle funds to issue loans under the program, the second-tier banks send information to the Development Bank on approved applications of individuals. Under the budget of the National Fund of the Republic of Kazakhstan, the Development Bank checks the received applications for compliance with the conditions of the program (maximum cost of the car, loan term, nominal rate of return) and, within 3 business days, confirms the possibility of writing off of amounts by second-tier banks from a special account with the National Bank of the Republic of Kazakhstan. Within the allocated funds from the Republican Budget and the National Bank of Kazakhstan, there is no procedure for confirming the write-off of funds from a special account with the National Bank of the Republic of Kazakhstan.

Conditions of the program of preferential car loans:

Cost of 1 car not more than 15 million tenge
Credit period not more than 7 years
Loan currency tenge
Nominal interest rate up to 4%
 (annual effective rate (including
 the cost of insurance and clearance
 to guarantee vehicles) must not exceed

List of automakers participating in the Program:

LLP "Saryarkaavtoprom»

  ТОО «СарыаркаАвтоПром» ТОО «Hyundai Trans Kazakhstan»
1 JAC S3 Hyundai Sonata
2 JAC S5 Hyundai Santa Fe
3 JAC J7 Hyundai Accent
4 JAC S7 Hyundai Elantra
5 Ravon Nexia R3 Hyundai Creta
6 УАЗ Hunter Hyundai Tucson
7 УАЗ Patriot
8 Chevrolet Niva
9 Chevrolet Damas DLX
10 Chevrolet Nexia
11 Chevrolet Cobalt
12 Chevrolet Malibu
13 Chevrolet Tracker
14 Chevrolet Trailblazer
15 Chevrolet Equinox
16 Chevrolet Spark
17 KIA Cerato
18 KIA Optima (К5)
19 KIA Rio
20 KIA Sportage
21 Кiа Sorento
22 Kia Seltos
23 Kia Picanto
24 Kia Soul
25 Lada Niva
26      Lada Vesta
27 Lada Granta
28 Lada Xray
29 Lada Largus
31 Renault ARKANA
32   Renault Duster

* models for the car manufacturer Hyundai Trans Kazakhstan LLP apply to 20 billion tenge, issued to second-tier banks in 2020 within the framework of the program for lending to buyers of domestic cars, approved by the Resolution of the Board of the National Bank dated May 31, 2019 No. 79.

The list of banks participating in financing domestic automakers:

Bank Limit within the NF RK,
thousand tenge
A limit within RB RK,
thousand tenge
A limit within NB RK,
thousand tenge
JSC "Eurasian Bank» 7 310 000 5 375 000
10 000 000
JSC "Halyk Bank of Kazakhstan» 12 045 906,02
6 750 000
25 000 000
JSC "Bank CenterCredit» 3 830 000 3 875 000
JSC " Forte Bank» 1 641 459 - 5 000 000
JSC "ATF Bank» 1 400 000 -
TOTAL 26 227 365,02
16 000 000 40 000 000

The program is designed for 20 years and is based on the "revolving" loans : at the expense of funds received from the repayment of the principal by individuals who have received a loan, banks will issue new loans for the purchase of cars.