THE RESOLUTION OF BOARD OF THE AGENCY OF THE REPUBLIC OF KAZAKHSTAN ON REGULATION AND DEVELOPMENT OF THE FINANCIAL MARKET

of April 3, 2026 No. 50

About modification and amendments in some regulatory legal acts of the Republic of Kazakhstan concerning microfinancial activities and recognition voided resolutions of Board of National Bank of the Republic of Kazakhstan and separate structural elements of some resolutions of Board of the Agency of the Republic of Kazakhstan on regulation and development of the financial market

Board of the Agency of the Republic of Kazakhstan on regulation and development of the DECIDES: financial market

1. Bring in the resolution of Board of National Bank of the Republic of Kazakhstan of November 14, 2019 No. 192 "About approval of prudential standard rates and others obligatory to observance by the organization performing microfinancial activities, regulations and limits, technique of their calculations" (it is registered in the Register of state registration of regulatory legal acts at No. 19629) the following changes and amendment:

in Prudential standard rates and others obligatory to observance by the organization performing microfinancial activities, regulations and limits, technique of their calculations (further – Standard rates) approved by the specified resolution:

state Item 15 in the following edition:

"15. Calculation of coefficient of debt to the income of the borrower is perfromed by the microfinancial organization as follows:

where:

KDD – debt coefficient to the income of the borrower;

SZNZ – outstanding amount on all outstanding bank loans and the borrower's microcredits.

SZNZ is calculated as cumulative outstanding amount on all outstanding bank loans and the borrower's microcredits, including the amounts of overdue payments on all outstanding bank loans and the microcredits, the amounts by the used part of credit limit on credit card which conditions provide crediting of the borrower within credit limit, and also 10 (ten) percent from unused part of credit limit, credit card conditions of which provide crediting of the borrower within credit limit;

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