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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:
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.
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:
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