Our bank attracted lines of credit from several international financial institutions and foreign banks to provide financial support to businesses, expand the range of loans provided to them, as well as to finance promising investment projects. You can read more about these lines of credit below.
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Number and date of the interbank loan agreement |
No number from 07/30/2019 |
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Amount and currency of the agreement |
US $ 30.0 million |
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Credit line issuance period (start and end date) |
07/30/2019 - 07/30/2021 |
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Purpose (area) of credit line funds |
financing of projects of small and medium-sized businesses |
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Minimum and maximum loan amount allocated for each project |
Minimum amount USD 200 thousand |
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Currency provided |
US dollars |
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The maximum term of the loan allocated under this line of credit |
from 2 to 5 years old |
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Grace period |
1 year |
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Interest rate |
(Libor + foreign bank margin + Ipoteka-bank margin) Total 7.99 (approximate) |
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Share of the contract amount financed by a loan |
85% |
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Number and date of the Loan Agreement |
No. 52285 dated 09/30/2020 |
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Amount and currency of the agreement |
US $ 30.0 million |
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Credit line issuance period (start and end date) |
13.11.2020 - 13.11.2023 |
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Purpose (area) of credit line funds |
Financing of projects of small and medium-sized businesses |
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Minimum and maximum loan amount allocated for each project |
Maximum amount USD 1.5 million |
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Grant currency |
Doll. USA |
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The maximum term of the loan allocated under this line of credit |
3 years |
|
Grace period |
1 year |
|
Interest rate |
(Libor + foreign bank margin + bank mortgage margin) Only 7.99% (approximate) |
| Nomer i data Kreditnogo soglasheniya | № 38405 ot 22.06.2020g. |
| Summa i valyuta soglasheniya | 35,0 mln. dollarov SSHA (363 260 800,0 v summovom ekvivalente) |
| Period vydachi kreditnoy linii (data nachala i okonchaniya) | 22.06.2020g. -22.06.2025g. |
| Naznacheniye (oblast') sredstv kreditnoy linii | Finansirovaniye malogo biznesa |
| Minimal'naya i maksimal'naya summa kredita, vydelyayemaya dlya kazhdogo proyekta | Maksimal'naya summa kredita - 750 000 doll. SSHA (v summovom ekvivalente) |
| Srok kredita | Dlya popolneniya oborotnykh sredstv do 18 mesyatsev, dlya priobreteniye osnovnykh sredstv do 36 mesyatsev |
| Valyuta predostavleniya | Sum |
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Number and date of the Loan Agreement |
No. 38405 dated 06/22/2020 |
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Amount and currency of the agreement |
35.0 million US dollars (363 & nbsp; 260 & nbsp; 800.0 in the amount equivalent) |
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Credit line issuance period (start and end date) |
06/22/2020 -22.06.2025 |
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Purpose (area) of credit line funds |
Small Business Financing |
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Minimum and maximum loan amount allocated for each project |
Maximum loan amount - 750 & nbsp; 000 USD (in the amount equivalent) |
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Credit term |
For replenishment of working capital up to 18 months, for the purchase of fixed assets up to 36 months |
|
Grant currency |
Sum |
| Soglasheniye o perekreditovanii i nomer (nomer zayma) | Soglasheniye o perekreditovanii - 8938 |
| Kliyent | Yuridicheskiye litsa, zaregistrirovannyye v Respublike Uzbekistan |
| Tsel' kredita | Razvitiye sel'skogo predprinimatel'stva v Ferganskoy doline (na investitsionnyy i oborotnyy kapital) |
| Maksimal'naya summa kredita | Ne boleye 125 tys. doll. SSHA, dlya razvitiya deyatel'nosti klasterov - do 2 mln. doll. SSHA |
| Valyuta | Doll. SSHA/Sum |
| Protsent | Libor+marzha inobanka+marzha AKIB Ipoteka-bank. Vsego 8% (oriyentirovochno) |
| Srok kredita | 10 let i na oborotnyy kapital 18 mesyatsev |
| Forma | V beznalichnoy forme |
| Poryadok vozvrata kredita | Pogasheniye osnovnogo dolga oplachivayetsya posle l'gotnogo perioda, oplata osnovnogo dolga i protsentov – kazhdyye 6 mesyatsev (5 aprelya i 5 oktyabrya), razmer osnovnogo dolga delitsya ravnymi summami na ostavshiysya srok kredita. |
| Obespecheniye kredita | Zalog likvidnogo obespecheniya (nedvizhimost', spets. tekhnika, transportnyye sredstva, depozitnyye sredstva i dr. likvidnoye obespecheniye), poruchitel'stvo gosudarstvennogo fonda podderzhki predprinimateley |
| Dopolnitel'nyye usloviya | Kredity vydayutsya po Ferganskim, Andizhanskim i Namanganskim oblastyam |
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Refinancing agreement and number (loan number) |
On-lending agreement - 8938 |
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Customer |
Legal entities registered in the Republic of Uzbekistan |
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Purpose of the loan |
Development of rural entrepreneurship in the Fergana Valley (for investment and working capital) |
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Maximum loan amount |
No more than 125 thousand US dollars, for the development of cluster activities - up to 2 million US dollars |
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Currency |
Doll. USA / Sum |
|
Percent |
Libor + foreign bank margin + margin of AKIB Ipoteka-bank. Only 8% (roughly) |
|
Credit term |
10 years and working capital 18 months |
|
The form |
In a non-cash form |
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Loan repayment procedure |
Repayment of the principal debt is paid after a grace period, payment of the principal debt and interest - every 6 months (April 5 and October 5), the amount of the principal debt is divided in equal amounts for the remaining term of the loan. |
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Loan security |
Pledge of liquid security (real estate, special equipment, vehicles, deposit funds and other liquid security), surety of the state fund for supporting entrepreneurs |
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Additional terms |
Loans are issued in Fergana, Andijan and Namangan regions |
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Refinancing agreement and number (loan number) |
Re-lending agreement- 2138 |
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Customer |
Legal entities registered in the country of Uzbekistan |
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Purpose of the loan |
Diversification and modernization of agriculture (for investment and working capital) |
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Maximum loan amount |
Up to USD 250 000 |
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Currency |
USD/UZS |
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Interest rate |
3.5% per annum for the first 10 years and |
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Credit term |
Up to 10 years for investment capital and up to 18 months for working capital |
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Form of payment |
In a non-cash form |
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Loan repayment procedure |
Repayment of the principal debt is paid after a grace period, payment of the principal debt and interest - every 6 months (June 5 and December 5), the amount of the principal debt is divided in equal amounts for the remaining term of the loan. |
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Loan security |
Pledge of liquid security (real estate, special equipment, vehicles, deposit funds and other liquid security), surety of the state fund for supporting entrepreneurs |
|
Additional terms |
Loans are issued in Fergana, Andijan and Namangan regions |
|
Refinancing agreement and number (loan number) |
Re-lending agreement - 3823 |
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Customers |
Legal entities registered in the Republic of Uzbekistan |
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Purpose of the loan |
Development of the value chain in the livestock sector |
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Maximum loan amount |
Up to USD 5 million |
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Currency |
UZS |
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Interest rate |
Central Bank refinancing rate + margin of JSCMB "Ipoteka-Bank" |
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Credit term |
Up to 10 years |
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From of payment |
In a non-cash form |
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Loan repayment procedure |
Repayment of the principal debt is paid after a grace period, payment of the principal debt and interest - every 6 months (June 5 and December 5), the amount of the principal debt is divided in equal amounts for the remaining term of the loan. |
|
Loan security |
Pledge of liquid security (real estate, special equipment, vehicles, deposit funds and other liquid security), surety of the state fund for supporting entrepreneurs |
|
Additional terms |
Funding for projects to improve meat and dairy breeds of animals in the Republic of Uzbekistan |
|
Revolving credit line |
Revolving |
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Product name |
KDB bank Uzbekistan line |
|
Funding |
From the funds of KDB Bank Uzbekistan JSC |
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Loan purpose |
Funding of import contracts (for the purchase of fixed assets and replenishment of working capital) |
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Maximum loan amount |
Up to 1 million US dollars (for the purchase of fixed assets and replenishment of working capital) * |
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Currency |
In US dollars |
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Annual interest rate |
To replenish working capital (up to 12 months) – 3 month Sofr rate + 4.25% KDB bank Uzbekistan JSC margin + at least 4,5% Ipoteka-bank margin;
For purchase of fixed assets (up to 36 months) – 3 month Sofr rate + 4.25% KDB bank Uzbekistan JSC margin + at least 5% Ipoteka-bank margin;
For purchase of fixed assets (up to 37-48 months) – 3 month Sofr rate + 4.25% KDB bank Uzbekistan JSC margin + at least 5,5% Ipoteka-bank margin;
The loan percentage changes depending on the Sofr rate. But the Ipoteka-bank margin will not change. |
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Loan period |
Up to 24 months to replenish working capital, up to 48 months to purchase fixed assets |
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Allocation form |
money transfer |
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Repayment procedure |
A grace period based on the project to replenish working capital up to 6 months, up to 12 months can be specified for the purchase of fixed assets. For the purchase of fixed assets and replenishment of working capital: interest payment - monthly, principal payment - after the end of the grace period is divided into amounts distributed over the remaining term of the loan. (seasonal projects may be considered separately) The loan repayment schedule is calculated as annuity or decreasing method according to the client's wishes. Loan interest payment and principal payment day of the month should be determined by the 10th. |
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Additional terms |
The client must be operating for at least 12 months from the date of state registration. Lending of investment projects is carried out in case of participation of not less than 30% of the project value from the personal funds of the initiator of this project. 15% of the client's share in the form of money is not required in the project. This loan product is used for clients belonging to the Mid-corporate and Corporate segments. Each loan project is reviewed and approved by the Loan committee Clients using this loan product must have income in US dollars. For some clients, an exception may be applied by the decision of the Loan Committee. The minimum amount of loan allocated to one client is 250,000 USD |
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Collateral |
Types of security specified in the Bank's Loan Policy and Lending Regulations |
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Lending and documentation process |
Carried out on the basis of the Bank's current Loan Policy and Lending Regulations |
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Amount expected to be disbursed |
10 million USD |
* In cases when receive request from clients for loans exceeding the credit limit, the credit limit may be revised based on the authority of the Bank's Credit Committee.
