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Bank guarantees

Bank guarantee - a document according to which the bank undertakes to pay a limited amount of money to the named party on the conditions specified in it. Bank guarantee - an unseparable obligation of the bank to carry out execution in cash in the event that a third party does not carry out a certain execution.

This type of banking services guarantees the fulfillment of obligations by the client to counterparties and other banks.

When issuing a guarantee, an agreement is concluded with the client, which stipulates the procedure for issuing a bank guarantee, its conditions, payment terms and mutual responsibility of the parties. In some cases, this agreement requires collateral similar to a loan agreement.

To obtain a bank guarantee, the client provides the bank with a package of documents according to the established list for obtaining a loan.

The issuance of guarantees and sureties is formalized by the relevant agreements concluded with customers, which must provide for the basic conditions for the issuance of guarantees (sureties), including the amount of remuneration.

A bank guarantee (surety) is issued for a period not exceeding one year, except for cases when the issuance of guarantees is associated with investment projects under intergovernmental and international agreements.

To receive the guarantee, the principal must meet the following requirements:

  • the activity should be without loss, the balance should be liquid;
  • no overdue payables;
  • positive audit report for the last three financial years;
  • have a positive credit history.
List of required documents to obtain a guarantee:
  • guarantee application;
  • business plan;
  • report on financial results (except for individual entrepreneurs);
  • documents related to collateral;
  • the bank may request other documents if necessary.