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RESOLUTION OF BOARD OF NATIONAL BANK OF THE REPUBLIC OF KAZAKHSTAN

of May 8, 2015 No. 75

About approval of the list, forms, terms of the reporting on accomplishment of prudential standard rates by banks of the second level and Rules of their representation

(as amended on 22-02-2021)

According to the laws of the Republic of Kazakhstan of March 30, 1995 "About National Bank to the Republic of Kazakhstan", of August 31, 1995 "About banks and banking activity in the Republic of Kazakhstan" and of March 19, 2010 "About the state statistics" the Board of National Bank of the Republic of Kazakhstan DECIDES:

1. Approve:

1) the list of the reporting on accomplishment of prudential standard rates by banks of the second level according to appendix 1 to this resolution;

2) report form about accomplishment of prudential standard rates according to appendix 2 to this resolution;

3) report form about disaggregation of the assets weighed taking into account credit risk according to appendix 3 to this resolution;

4) report form about disaggregation of the contingent and possible obligations weighed taking into account credit risk according to appendix 4 to this resolution;

5) report form about disaggregation of conditional and possible requirements and obligations for the derivative financial instruments weighed taking into account credit risk according to appendix 5 to this resolution;

6) report form about disaggregation of calculation of specific interest risk (by currencies) according to appendix 6 to this resolution;

7) report form about distribution of open line items on time frames (by currencies) according to appendix 7 to this resolution;

8) report form about disaggregation of calculation of general interest risk (by currencies) according to appendix 8 to this resolution;

9) report form about disaggregation of the maximum extent of risk on one borrower (by borrowers) according to appendix 10 to this resolution;

10) report form about disaggregation of coefficient of current liquidity of k4 according to appendix 11 to this resolution;

11) report form about disaggregation of coefficients of urgent liquidity of k4-1, k4-2, k4-3 according to appendix 12 to this resolution;

12) report form about disaggregation of coefficients of urgent currency liquidity of k4-4, k4-5, k4-6 according to appendix 13 to this resolution;

13) report form about foreign exchange positions on each foreign currency and currency net position for each working day of week (month) according to appendix 14 to this resolution;

14) report form about calculation of average monthly size of internal assets, internal and other obligations, coefficient of placement of part of means in internal assets according to appendix 15 to this resolution;

15) report form about disaggregation of capitalization ratio of banks to obligations to nonresidents of the Republic of Kazakhstan according to appendix 16 to this resolution;

16) report form about calculation of coefficients of sufficiency of equity in case of securitization according to appendix 17 to this resolution;

17) report form about disaggregation of the assets weighed taking into account the credit risk represented by Islamic banks according to appendix 18 to this resolution;

18) report form about disaggregation of the contingent and possible obligations weighed taking into account the credit risk represented by Islamic banks according to appendix 19 to this resolution;

19) report form about disaggregation of the market risk connected with change of market value of inventory stocks, represented by Islamic banks according to appendix 20 to this resolution;

20) report form about disaggregation of coverage ratio of liquidity according to appendix 20-1 to this resolution;

21) report form about disaggregation of coefficient net stable funding according to appendix 20-2 to this resolution;

22) Rules of submission of the reporting on accomplishment of prudential standard rates by banks of the second level according to appendix 21 to this resolution.

2. Banks of the second level represent to National Bank of the Republic of Kazakhstan in electronic format:

1) monthly the reporting provided by subitems 2), 3), 4), 5), 6), 7), 8), 9), 10), 11), 12), 14), 15), 16), 17), 18) and 19) of Item 1 of this resolution - no later than the seventh working day of the month following month under report;

2) monthly the reporting provided by subitems 20) and 21) of Item 1 of this resolution - no later than the tenth working day of the month following month under report;

3) weekly the reporting provided by the subitem 13) of Item 1 of this resolution - no later than the fifth working day of the week following reporting week.

In case of completion of calendar month in reporting week, the reporting provided by the subitem 3) of this Item is provided no later than the seventh working day of month, the following for finished month, separately for the calendar days of reporting week relating to the finished month and for calendar days of reporting week of the month following for finished month.

3. Is not effective according to Item 8 of this Resolution .

4. Recognize invalid regulatory legal acts of the Republic of Kazakhstan according to appendix 22 to this resolution.

5. To department of paying balance, currency control and statistics (Umbetaliyev M. T.) in the procedure established by the legislation to provide:

1) together with Legal support department (Dosmukhambetov N. M.) state registration of this resolution in the Ministry of Justice of the Republic of Kazakhstan;

2) the direction of this resolution on official publication in information system of law"? d_lt" the republican state company on the right of economic maintaining "The republican center of legal information of the Ministry of Justice of the Republic of Kazakhstan" within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan;

3) placement of this resolution on official Internet resource of National Bank of the Republic of Kazakhstan after its official publication.

6. To department of the international relations and public relations (Kazybayev A. K.) provide the direction of this resolution on official publication in periodic printing editions within ten calendar days after its state registration in the Ministry of Justice of the Republic of Kazakhstan.

7. To impose control of execution of this resolution on the vice-chairman of National Bank of the Republic of Kazakhstan Kozhakhmetov K. B.

8. This resolution becomes effective after ten calendar days after day of its first official publication, except for:

1) lines, sequence numbers 77, 87, 90 both 92 appendices 2, sequence numbers 13 and 14 of appendix 11 and sequence number of the 5th appendix 15 to this resolution which extend to the relations which arose since October 1, 2014;

2) lines, sequence number of the 8th appendix 14 to this resolution which extends to the relations which arose since July 1, 2014;

3) lines, sequence numbers 93, the 94 and 95 appendices 2 and sequence numbers 83 and 84 of appendix 3 to this resolution which become effective since January 1, 2016.

Item 3 of this resolution is effective till February 1, 2016.

Chairman of National Bank

K. Kelimbetov

It is approved

Chairman of Committee according to the statistics Ministries of national economy of the Republic of Kazakhstan

May 13, 2015

 

 

A. Smailov

Appendix 1

to the Resolution of Board of National Bank of the Republic of Kazakhstan of May 8, 2015 No. 75

List of the reporting on accomplishment of prudential standard rates by banks of the second level

The reporting on accomplishment of prudential standard rates by banks of the second level includes:

1) report on accomplishment of prudential standard rates;

2) the report on disaggregation of the assets weighed taking into account credit risk;

3) the report on disaggregation of the contingent and possible obligations weighed taking into account credit risk;

4) the report on disaggregation of conditional and possible requirements and obligations on the derivative financial instruments weighed taking into account credit risk;

5) the report on disaggregation of calculation of specific interest risk (by currencies);

6) the report on distribution of open line items on time frames (by currencies);

7) the report on disaggregation of calculation of general interest risk (by currencies);

8) the report on disaggregation of the maximum extent of risk on one borrower (by borrowers);

9) report on disaggregation of coefficient of current liquidity of k4;

10) report on disaggregation of coefficients of urgent liquidity of k4-1, k4-2, k4-3;

11) report on disaggregation of coefficients of urgent currency liquidity of k4-4, k4-5, k4-6;

12) the report on foreign exchange positions on each foreign currency and currency net position for each working day of week (month);

13) the report on calculation of average monthly size of internal assets, internal and other obligations, coefficient of placement of part of means in internal assets;

14) the report on disaggregation of capitalization ratio of banks to obligations to nonresidents of the Republic of Kazakhstan;

15) the report on calculation of coefficients of sufficiency of equity in case of securitization;

16) the report on disaggregation of the assets weighed taking into account credit risk, represented by Islamic banks;

17) the report on disaggregation of the contingent and possible obligations weighed taking into account credit risk, represented by Islamic banks;

18) the report on disaggregation of the market risk connected with change of market value of inventory stocks, represented by Islamic banks;

19) report on disaggregation of coverage ratio of liquidity;

20) report on disaggregation of coefficient net stable funding.

Appendix 2

to the Resolution of Board of National Bank of the Republic of Kazakhstan of May 8, 2015 No. 75

The form intended for collection of administrative data

It is represented: in National Bank of the Republic of Kazakhstan

The form of administrative data is placed on Internet resource: www.nationalbank.kz

Report on accomplishment of prudential standard rates

Index of form of administrative data: 1-BVU_Prud_norm

Frequency: monthly

Accounting period: on "____" __________ 20 ____ years

The group of people, providing information: bank of the second level

Representation term: no later than the seventh working day of the month following month under report.

Form

 

(in thousands of tenges)

Name

Amount


1

2

3


1

Minimum size of equity




2

Equity




3

Capital of the first level




4

Fixed capital as amount




5

The paid common shares




6

Supplementary paid-in capital




7

Retained net profit of last years




8

Retained net profit of the current year




9

The cumulative opened reserve




10

Revaluation reserves




10.1

Reserves of revaluation of fixed assets and reserves of revaluation of cost of the securities carried at fair value through other comprehensive income




10.2

Reserves of revaluation of cost of the loans carried at fair value through other comprehensive income




11

Fixed capital behind minus:




11.1

own redeemed common shares




11.2

intangible assets, including goodwill




11.3

loss of last years




11.4

loss of the current year




11.5

the deferred tax asset (except for parts of the deferred tax assets recognized concerning deductible temporary differences) reduced on pro rata basis by the amount of deferred tax liabilities (except for the deferred tax liabilities recognized concerning intangible assets including goodwill)




11.6

reserves on other revaluation




11.7

sales returns, the assets connected with transactions on securitization




11.8

income or losses from change of fair value of the financial liability, in connection with change of credit risk according to such obligation




11.9

the regulatory adjustments which are deductible from the added capital, but in connection with its insufficient level subtracted from fixed capital




11:10

the excess amount which is subject to deduction from fixed capital if investments of bank (investments of bank into financial instruments of the financial organizations in which the bank has less than 10 (ten) percent of issued shares (shares in the authorized capital)) exceed 10 (ten) percent from fixed capital of bank after application of the regulatory adjustments specified in lines 11.1, 11. 2, 11.3, 11.4, 11.5, 11.6, 11.7, 11.8, 11.9




11:11

the excess amount which is subject to deduction from fixed capital if investments of bank (investments of bank into common shares of the financial organization in which the bank has 10 (ten) and more percent from issued shares (shares in the authorized capital)) exceed 10 (ten) percent from fixed capital of bank after application of the regulatory adjustments specified in lines 11.1, 11. 2, 11.3, 11.4, 11.5, 11.6, 11.7, 11.8, 11.9, 11.10




11:12

the excess amount which is subject to deduction from fixed capital if the part of the deferred tax assets recognized concerning deductible temporary differences, reduced on pro rata basis by the amount of deferred tax liabilities (except for the deferred tax liabilities recognized concerning intangible assets including goodwill) exceeds 10 (ten) percent from fixed capital of bank after application of the regulatory adjustments specified in lines 11.1, 11. 2, 11.3, 11.4, 11.5, 11.6, 11.7, 11.8, 11.9, 11.10




11:13

the excess amount which is subject to deduction from fixed capital if investments of bank into common shares of the financial organization in which the bank has 10 (ten) and more percent from issued shares (shares in the authorized capital) and the part of the deferred tax assets recognized concerning deductible temporary differences, reduced on pro rata basis by the amount of deferred tax liabilities (except for the deferred tax liabilities recognized concerning intangible assets including goodwill) in total exceed 17,65 (seventeen whole sixty five 100-th) percent of difference of fixed capital of bank after application of the regulatory adjustments specified in lines 11.1, 11. 2, 11.3, 11.4, 11.5, 11.6, 11.7, 11.8, 11.9 and the amount which is subject to deduction from fixed capital, specified in lines 11.10, 11. 11, 11. 12, reduced by the amounts which are deductible from fixed capital, specified in lines 11.10, 11,11, 11.12




12

Added capital as amount:




12.1

the termless agreements corresponding to criteria as a result of which at the same time there is financial asset at one person and the financial liability or other financial instrument confirming the right to share of the assets of the legal entity which remained later deductions of all its obligations at other person




12.2

the termless financial instruments attracted till January 1, 2015




12.3

the paid preferred shares corresponding to the established criteria




12.4

the paid preferred shares which are not corresponding to the established criteria




13

The added capital behind minus:




13.1

investments of bank into own termless financial instruments by direct or indirect method




13.2

own redeemed preferred shares of bank




13.3

the excess amount which is subject to deduction from the added capital if investments of bank (investments of bank into financial instruments of the financial organizations in which the bank has less than 10 (ten) percent of issued shares (shares in the authorized capital)) exceed 10 (ten) percent from fixed capital of bank after application of the regulatory adjustments specified in lines 11.1, 11. 2, 11.3, 11.4, 11.5, 11.6, 11.7, 11.8, 11.9




13.4

investments of bank into termless financial instruments of the financial organizations in which the bank has 10 (ten) and more percent from issued shares (shares in the authorized capital) deductible from the added capital




13.5

the regulatory adjustments which are deductible from the capital of the second level, but in connection with its insufficient level subtracted from the added capital




14

Capital of the second level




15

Subordinated debt




16

The subordinated debt attracted till January 1, 2015 in national currency




17

The subordinated debt attracted till January 1, 2015 in foreign currency




18

The capital of the second level behind minus:




18.1

the redeemed own subordinated debt of bank




18.2

the amount of excess of investments of bank (investment of bank into financial instruments of the financial organizations in which the bank has less than 10 (ten) percent of issued shares (shares in the authorized capital) in total exceeding 10 (ten) percent from fixed capital of bank after application of regulatory adjustments), increased by share of investments into subordinated debt in the total amount of investments




18.3

investments of bank into subordinated debt of the financial organizations, in which the bank has 10 (ten) percent and more from issued shares (shares in the authorized capital), the legal entity, deductible from the capital of the second level




19

Positive difference according to Item 10 of Normative values and techniques of calculations of prudential standard rates and other regulations, obligatory to observance, and limits for the Islamic banks set by the resolution of Board of National Bank of the Republic of Kazakhstan of May 30, 2016 No. 144 "About establishment of prudential standard rates and other regulations and limits, obligatory to observance, for Islamic banks, their normative values and technique of calculations of prudential standard rates and other regulations and limits, obligatory to observance, for Islamic banks" registered in the Register of state registration of regulatory legal acts at No. 13939, and Item 6 of Normative values and techniques of calculations of prudential standard rates and other regulations and limits, obligatory to observance, the size of the capital of bank established by the resolution of Board of National Bank of the Republic of Kazakhstan of September 13, 2017 No. 170 "About establishment of normative values and techniques of calculations of prudential standard rates and other regulations and limits, obligatory to observance, the size of the capital of bank and Rules of calculation and limits of open foreign exchange position", registered in the Register of state registration of regulatory legal acts at No. 15886, considered when calculating the regulatory buffer




20

Coefficient of sufficiency of equity (kl)




21

Coefficient of sufficiency of equity (kl-2)




22

Coefficient of sufficiency of equity (k 2)




23

Retained net income of bank on which restriction regarding the termination of dividend payout and the return share repurchase is imposed




24

Not invested remaining balance of means accepted on the terms of the custodial agreement




25

Total the assets weighed taking into account credit risk




26

Total the contingent and possible obligations weighed taking into account credit risk




27

Total the derivative financial instruments weighed taking into account credit risk




28

Specific interest risk




29

General interest risk




30

Total the market risk connected with change of rate of remuneration




31

Specific risk




32

General risk




33

Total the market risk connected with change of share market value and market value of derivative financial instruments which underlying asset are shares or index on the share




34

Total the market risk connected with change of the exchange rate of foreign currencies (market value of precious metals)




35

Total the market risk connected with change of share market value (including the Islamic securities acquired with sales objective)




36

Total the risk on inventory stocks connected with change of market value




37

The amount of long and short positions on financial instruments with the market risk connected with change of market value




38

Difference of the amounts of long and short positions on financial instruments with the market risk connected with change of market value




39

Amount of open foreign exchange positions




40

The assets and conditional and possible requirements and obligations calculated taking into account market risk




41

Average size of annual gross income




42

Operational risk




43

Total debt of one borrower or group of the interconnected borrowers who are not connected with bank the special relations on any kind of obligations to bank




44

Coefficient of the maximum extent of risk on one borrower who is not connected with bank the special relations - (k 3)




45

Total debt of one borrower or group of the interconnected borrowers connected with bank the special relations on any kind of obligations to bank




46

Coefficient of the maximum extent of risk on one borrower (group of borrowers) connected with bank the special relations - (k3. 1)




47

The amount of risks on all borrowers connected with bank the special relations




48

Coefficient of the amount of risks on the borrowers connected with bank the special relations (Ro)




49

The maximum amount of blank loan, unsecured contingent obligations before the borrower or for the borrower for benefit of the third parties on whom the bank can have requirements to the borrower during current and two next months, according to obligations of the corresponding borrowers, and also obligations of the nonresidents of the Republic of Kazakhstan registered or who are citizens of offshore zones, except for requirements to residents of the Republic of Kazakhstan with the rating of the Standard & Poor agency "s or the rating of similar level of the Fitch or Moody agencies" s Investors Service (further - other rating agencies) is no more than one Item lower than the sovereign rating of the Republic of Kazakhstan and nonresidents having rating s or the rating of similar level of one of other rating agencies is not lower "And" the Standard & Poor agencies ", except for is not lower than nonresidents with rating "And" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, concerning one borrower or group of the interconnected borrowers




50

Coefficient of the maximum size of blank credit (Bq)




51

The cumulative amount of risks of bank on one borrower, the size of each of which exceeds 10 (ten) percent from equity of bank




52

The coefficient of the cumulative amount of risks on one borrower, the size of each of which exceeds 10 (ten) percent - from equity (Rk)




53

The cumulative amount of the securitized credits transferred to special finance company of Fund of Stressful Assets joint-stock company




54

Coefficient of the cumulative amount of the securitized credits transferred to special finance company of Fund of Stressful Assets joint-stock company




55

The amount of risk of bank according to obligations of Development Bank of Kazakhstan joint-stock company




56

Coefficient of the extent of risk according to obligations of Development Bank of Kazakhstan joint-stock company (Rbrk)




57

Highly liquid assets




58

Obligations poste restante




59

Coefficient of current liquidity (k 4)




60

Urgent obligations with remaining period before repayment up to seven days inclusive




61

Liquidity rate (k4-1)




62

Quick assets with remaining period before repayment up to one month inclusive, including highly liquid assets




63

Urgent obligations with remaining period before repayment up to one month inclusive




64

Liquidity rate (k4-2)




65

Quick assets with remaining period before repayment up to three months inclusive, including highly liquid assets




66

Urgent obligations with remaining period before repayment up to three months inclusive




67

Liquidity rate (k4-3)




68

Assets for calculation of coefficient of urgent currency liquidity of k4-4:




68.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




68.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




68.3

(the currency type is specified)




68.4

(the currency type is specified)




69

Obligations for calculation of coefficient of urgent currency liquidity of k4-4




69.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




69.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




69.3

(the currency type is specified)




69.4

(the currency type is specified)




70

Coefficient of urgent currency liquidity (k4-4):




70.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




70.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




70.3

(the currency type is specified)




70.4

(the currency type is specified)




71

Assets for calculation of coefficient of urgent currency liquidity of k4-5:




71.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




71.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




71.3

(the currency type is specified)




71.4

(the currency type is specified)




72

Obligations for calculation of coefficient of urgent currency liquidity of k4-5, the conversion of equal 90% increased by coefficient




72.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




72.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




72.3

(the currency type is specified)




72.4

(the currency type is specified)




73

Coefficient of urgent currency liquidity (k4-5):




73.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




73.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




73.3

(the currency type is specified)




73.4

(the currency type is specified)




74

Assets for calculation of coefficient of urgent currency liquidity of k4-6:




74.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




74.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




74.3

(the currency type is specified)




74.4

(the currency type is specified)




75

Obligations for calculation of coefficient of urgent currency liquidity of k4-6, the conversion of equal 80% increased by coefficient




75.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




75.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




75.3

(the currency type is specified)




75.4

(the currency type is specified)




76

Coefficient of urgent currency liquidity (k4-6):




76.1

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies, and currency "Euro" is not lower "And" than the Standard&Poor agency "(with indication of the amount (coefficient) on this group of currencies in total)




76.2

on foreign currencies of the countries having sovereign rating s or the rating of similar level of one of other rating agencies or not having the corresponding rating assessment is lower "And" than the Standard&Poor agency"




76.3

(the currency type is specified)




76.4

(the currency type is specified)




77

Availability at bank during the accounting period of overdue obligations to creditors (Yes (Is not present))




78

Availability at bank of the fact of untimely execution by bank of the actions plan approved by authorized body (Yes (Is not present))




79

Short-term obligations before nonresidents




80

Coefficient of the maximum limit of short-term obligations before nonresidents (k 7)




81

The assets financed by the funds raised under the agreement on the investment deposit




82

Coefficient of placement of part of means in internal assets




Name ________________ Address _______________________

______________________________________________________ phone

E-mail address _______________________________________

Исполнитель_______________________________________ ____________

surname, name and middle name (in case of its availability) phone

The chief accountant or person authorized on signing of the report

________________________________________________ ______________

surname, name and middle name (in case of its availability) the signature, phone

The first head or person authorized by it on signing of the report

_______________________________________________ _______________

surname, name and middle name (in case of its availability) the signature, phone

Date "____" ______________ 20 __ years

Appendix

to the Report form about accomplishment of prudential standard rates

The explanation on filling of form of administrative data
The report on accomplishment of prudential standard rates (index - 1-BVU_Prud_norm, frequency - ezhemesyach Nye)

Chapter 1. General provisions

1. This explanation (further - the Explanation) determines single requirements for filling of form of the administrative data "Report on Accomplishment of Prudential Standard Rates" (further - the Form).

2. The form is developed according to subitem 18-1) of article 8 of the Law of the Republic of Kazakhstan of March 30, 1995 "About National Bank of the Republic of Kazakhstan", with Item 1 of article 54 of the Law of the Republic of Kazakhstan of August 31, 1995 "About banks and banking activity in the Republic of Kazakhstan".

3. The form is constituted monthly by banks of the second level as of the first day of every month. Data in shape are filled in in thousands of tenges.

4. The form is signed by the first head, the chief accountant or persons authorized on signing of the report.

Chapter 2. The explanation on filling of the Form

5. The form is filled according to resolutions of Board of National Bank of the Republic of Kazakhstan of May 30, 2016 No. 144 "About establishment of prudential standard rates and other regulations and limits, obligatory to observance, for Islamic banks, their normative values and technique of calculations of prudential standard rates and other regulations and limits, obligatory to observance, for Islamic banks", registered in the Register of state registration of regulatory legal acts at No. 13939 (further - the Resolution No. 144) and of September 13, 2017 No. 170 "About establishment of normative values and techniques of calculations of prudential standard rates and other regulations and limits, obligatory to observance, the size of the capital of bank and Rules of calculation and limits of open foreign exchange position", registered in the Register of state registration of regulatory legal acts at No. 15886 (further – the Resolution No. 170).

6. The line 1 is filled according to Chapter 1 "The minimum size of authorized and own capitals of bank" of Normative values and techniques of calculations of prudential standard rates and other regulations, obligatory to observance, and limits for the Islamic banks set according to appendix 1 to the Resolution No. 144 (further - Standard rates No. 144) and Chapter 2 "The minimum size of authorized and own capitals of bank" of Normative values and techniques of calculations of prudential standard rates and other regulations and limits, obligatory to observance, the size of the capital of bank established according to appendix 1 to the Resolution No. 170 (further - Standard rates No. 170).

7. In line 5 data on the paid common shares, the corresponding criteria established in appendix 1 to Standard rates No. 144 and appendix 4 to Standard rates No. 170 are specified.

8. In line 11.7 deferred revenues in connection with the expectation of the complete or partial income in the future received from securitization conditions are specified.

9. In line 12.1 data under the termless agreements, the corresponding criteria established in appendix 1 to Standard rates No. 144 are specified and appendix 4 to Standard rates No. 170, from which at the same time result financial asset at one person and the financial liability or other financial instrument confirming the right to share of the assets of the legal entity which remained later deductions of all its obligations at other person.

10. In line 12.2 data on termless financial instruments according to requirements of Item 12 of Standard rates No. 170 are specified.

11. In line 12.3 data according to the paid preferred shares, the corresponding criteria established in appendix 1 to Standard rates No. 144 and appendix 4 to Standard rates No. 170 are specified.

12. In line 12.4 data according to the paid preferred shares according to requirements of Item 13 of Standard rates No. 170 are specified.

13. In line 15 data on the subordinated debt corresponding to the criteria established in appendix 1 to Standard rates No. 144 and appendix 4 to Standard rates No. 170 are specified.

14. In line 16 data on the subordinated debt attracted till January 1, 2015 in national currency according to requirements of Item 9 of Standard rates No. 144 and Item 15 of Standard rates No. 170 are specified.

15. In line 17 data on the subordinated debt attracted till January 1, 2015 in foreign currency according to requirements of Item 9 of Standard rates No. 144 and Item 15 of Standard rates No. 170 are specified.

16. In line 19 the positive difference according to Item 10 of Standard rates No. 144 and Item 6 of Standard rates No. 170, considered when calculating the regulatory buffer is specified.

17. In line 23 the amount of retained net income on which restriction according to appendix 4 to Standard rates No. 144 and appendix 3 to Standard rates No. 170, regarding the termination of dividend payout and the return share repurchase is imposed is specified.

18. The line 25 is filled according to data of the report on disaggregation of the assets weighed taking into account credit risk.

19. The line 26 is filled according to data of the report on disaggregation of the contingent and possible obligations weighed taking into account credit risk.

20. The line 27 is filled according to data of the report on disaggregation of conditional and possible requirements and obligations on the derivative financial instruments weighed taking into account credit risk.

21. The line 28 is filled according to data of the report on disaggregation of calculation of specific interest risk (by currencies).

22. The line 29 is filled according to data of the report on disaggregation of calculation of general interest risk (by currencies).

23. Lines 43, of 44, of 45, of 46, of 47, of 48, of 49, of 50, of 51, of 52, 53 and 54 are filled according to data of the report on disaggregation of the maximum extent of risk on one borrower (by borrowers).

24. Lines 57, 58 and 59 are filled according to data of the report on disaggregation of coefficient of current liquidity of k4.

25. Lines 60, of 61, of 62, of 63, of 64, of 65, 66 and 67 are filled according to data of the report on disaggregation of coefficients of urgent liquidity of k4-1, k4-2, k4-3.

26. Lines 68, 68.1, 68.2, 68.3, 68.4, 69, 69.1, 69.2, 69.3, 69.4, 70, 70.1, 70.2, 70.3, 70.4, 71, 71.1, 71.2, 71.3, 71.4, 72, 72.1, 72.2, 72.3, 72.4, 73, 73.1, 73.2, 73.3, 73.4, 74, 74.1, 74.2, 74.3, 74.4, 75, 75.1, 75.2, 75.3, 75.4, 76, 76.1, 76.2, 76.3 and 76.4 are filled according to data of the report on disaggregation of coefficients of urgent currency liquidity of k4-4, k4-5, k4-6.

27. Lines 79, 80 are filled according to data of the report on disaggregation of capitalization ratio of banks to obligations to nonresidents of the Republic of Kazakhstan.

28. The line 82 is filled according to data of the report on calculation of average monthly size of internal assets, internal and other obligations, coefficient of placement of part of means in internal assets.

29. Lines 35, 36 and 81 are filled only with Islamic banks.

30. In lines 20, of 21, of 22, 48, of 50, of 52, of 54, of 59, of 61, of 64, of 67, of 70, 70.1, 70.2, 70.3, 70.4, 73, 73.1, 73.2, 73.3, 73.4, 76, 76.1, 76.2, 76.3, 76.4, 80, 82 values with three signs after comma are specified to 44,46,.

31. In case of lack of data in the accounting period the Form is not filled and it is not represented.

Appendix 3

to the Resolution of Board of National Bank of the Republic of Kazakhstan of May 8, 2015 No. 75

The form intended for collection of administrative data

It is represented: in National Bank of the Republic of Kazakhstan

The form of administrative data is placed on Internet resource: www.nationalbank.kz

The report on disaggregation of the assets weighed taking into account credit risk

Index of form of administrative data: 2-BVU_RA

Frequency: monthly

Accounting period: on "___" ________ 20 __ years

The group of people, providing information: bank of the second level

Representation term: no later than the seventh working day of the month following month under report.

Form

 

 

 

(in thousands of tenges)

Name of Articles

Amount

Risk degree as a percentage

The amount to calculation


1

2

3

4

5


I group


1

Cash tenges



0




2

The cash foreign currency of the countries having sovereign rating is not lower than "AA-" of the Standard & Poor agency "s or rating of similar level of the Fitch or Moody agencies" s Investors Service (further - other rating agencies)



0




3

The affined precious metals



0




4

The loans granted the Government of the Republic of Kazakhstan



0




5

The loans granted the central governments of the countries having sovereign rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




6

The loans granted National Bank of the Republic of Kazakhstan



0




7

The loans granted Central Banks of the countries with sovereign rating not below "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




8

The loans granted international financial institutions with debt rating not below "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




9

The loans granted joint-stock company "National welfare fund "Samruk-Kazyna"



0




10

Deposits in National Bank of the Republic of Kazakhstan and other requirements to National Bank of the Republic of Kazakhstan



0




11

Deposits in Central Banks of the countries, with sovereign rating not below "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




12

Deposits in international financial institutions, with debt rating not below "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies, deposits in Eurasian Development Bank in national currency of the Republic of Kazakhstan



0




13

Receivables of the Government of the Republic of Kazakhstan



0




14

Receivables of regional authorities of the Republic of Kazakhstan on taxes and other payments in the budget



0




15

The government securities of the Republic of Kazakhstan issued by the Government of the Republic of Kazakhstan and National Bank of the Republic of Kazakhstan



0




16

The government securities of the Republic of Kazakhstan issued by local executive bodies of the cities of Nour-Sultan and Almaty



0




17

The securities issued by Development Bank of Kazakhstan joint-stock company according to the legislation of the Republic of Kazakhstan on the security market, joint-stock companies "National welfare fund "Samruk-Kazyna", "National managing holding "Bayterek", "Fund of the Problem Credits", and also the securities issued by Eurasian Development Bank and nominated in national currency of the Republic of Kazakhstan



0




18

The securities issued by the legal entity performing the redemption of mortgage loans of the physical persons which are not connected with business activity which hundred percent of shares belong to National Bank



0




19

The securities having the status state, issued by the central governments of foreign states which sovereign rating is not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




20

The securities issued by the international financial institutions having debt rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




21

Requirements for the opened correspondent accounts to the banks having long-term rating are not lower than VVV of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



0




22

The added remuneration on the assets included in the I risk group



0




II group


23

The cash foreign currency of the countries having sovereign rating is lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies, and the countries which do not have the corresponding rating assessment



20




24

The loans granted the central governments of the countries having sovereign rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



20




25

The loans granted Central Banks of the countries having sovereign rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



20




26

The loans granted the international financial institutions having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



20




27

The loans granted local executive bodies of the Republic of Kazakhstan



20




28

The loans granted local executive bodies of the countries having sovereign rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




29

The loans granted the organizations having debt rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




30

Deposits in Central Banks of the countries having sovereign rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



20




31

Deposits in the international financial institutions having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



20




32

Deposits in the organizations having debt rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




33

Receivables of local executive bodies of the Republic of Kazakhstan, except for receivables carried to І to risk group



20




34

Receivables of the organizations having debt rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




35

The securities having the status state, issued by the central governments of the countries having sovereign rating from "And +" to "And -" the Standard and Poor agencies "s or the rating of similar level of one of other rating agencies



20




36

The securities issued by the international financial institutions having debt rating from "And +" to "And -" the Standard and Poor agencies "s or the rating of similar level of one of other rating agencies



20




37

The government securities issued by local executive bodies of the Republic of Kazakhstan, except for the government securities issued by local executive bodies of the cities of Nour-Sultan and Almaty



20




38

The securities issued by regional authorities of the countries which sovereign rating is not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




39

The securities issued by the organizations having debt rating are not lower than "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



20




40

The securitization positions held by bank on balance and having credit rating from AAA to "AA-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies or rating assessment from "kzAAA" to "kzAA-" on national scale of the Standard & Poor agency" s or the rating of similar level on national scale of one of other rating agencies



20




41

The added remuneration on the assets included in the II risk group



20




III group


42

Not affined precious metals



50




43

The loans granted the central governments of the countries having sovereign rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




44

The loans granted Central Banks of the countries having sovereign rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




45

The loans granted the international financial institutions having debt rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




46

The loans granted regional authorities of the countries having sovereign rating are not lower from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




47

The loans granted the organizations having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




48

Mortgage housing loans (except for, the loans to physical persons specified in lines 75, 77 and 78), corresponding to condition: the relation of the amount of the granted mortgage housing loan to the cost of pledge does not exceed 50 (fifty) percent inclusive from pledge cost



35




49

Mortgage housing loans, and also the remunerations on them corresponding to conditions for the redemption the identified legal entity performing the redemption of mortgage loans of the physical persons which are not connected with business activity which hundred percent of shares belong to National Bank



35




50

Requirements for the mortgage housing loans assigned to the legal entity performing the redemption of mortgage loans of the physical persons which are not connected with business activity which hundred percent of shares belong to National Bank



35




51

The mortgage housing loans (except for, the loans to physical persons specified in lines 75, 77 and 78 these tables) corresponding to condition: the relation of the amount of the granted mortgage housing loan to the cost of pledge is ranging from 51 (fifty one) percent to 85 (eighty five) percent inclusive from pledge cost



50




52

Other mortgage housing loans (except for, the loans issued to physical persons, specified in lines 75, 77 and 78 these tables)



100




53

Loans with overdue debt on principal debt and (or) the added remuneration over 90 (ninety) calendar days provided to residents of the Republic of Kazakhstan (except for the mortgage housing loans and loans specified in lines 74, of 75, of 76, of 77, 78 and 124 these tables and also the unsecured consumer loans issued to physical persons) on which less than 35 (thirty five) percent of provisions (reserves) according to international accounting standards from outstanding part of loans are created



100




54

Loans with overdue debt on principal debt and (or) the added remuneration over 90 (ninety) calendar days provided to residents of the Republic of Kazakhstan (except for the mortgage housing loans and loans specified in lines 74, of 75, of 76, of 77, 78 and 124 these tables and also the unsecured consumer loans issued to physical persons) on which more than 35 (thirty five) percent and less than 50 (fifty) percent of provisions (reserves) according to international accounting standards from outstanding part of loans are created



75




55

Loans with overdue debt on principal debt and (or) the added remuneration over 90 (ninety) calendar days provided to residents of the Republic of Kazakhstan (except for the mortgage housing loans and loans specified in lines 74, of 75, of 76, of 77, 78 and 124 these tables and also the unsecured consumer loans issued to physical persons) on which more than 50 (fifty) percent of provisions (reserves) according to international accounting standards from outstanding part of loans are created



50




56

The loans granted the subjects carried to small or medium business, according to the Entrepreneurial code of the Republic of Kazakhstan of October 29, 2015, corresponding to the following criteria: 1) the loan amount does not exceed 0,02 (zero whole two 100-th) percent from equity; 2) loan currency – tenge



75




57

Deposits in Central Banks of the countries having sovereign rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




58

Deposits in the international financial institutions having debt rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




59

Deposits in the organizations having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




60

Receivables of the organizations having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




61

The securities having the status state, issued by the central governments of the countries having sovereign rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




62

The securities issued by the international financial institutions having debt rating from "BBB+" to "VVV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies



50




63

The securities issued by regional authorities of the countries having sovereign rating are not lower from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




64

The securities issued by the organizations having debt rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies



50




65

The securitization positions held by bank on balance and having credit rating from "And +" to "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies or rating assessment from "kzA+" to "kzA-" on national scale of the Standard & Poor agency" s, or the rating of similar level on national scale of one of other rating agencies



50




66

Requirements for the opened correspondent accounts to the resident banks of the Republic of Kazakhstan having debt rating from "VVV-" to "VV-" (inclusive) of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies or the nonresident bank having debt rating from "VVV-" to "BB+" (inclusive) of the Standard & Poor agency" s, or the rating of similar level of one of other rating agencies



50




67

Requirements to Kazakhstan stock exchange joint-stock company



50




68

The added remuneration on the assets included in III risk group (except for the added remunerations on assets specified in lines 49 and 50 of this table)



50




IV group


69

The loans granted the central governments of the countries having sovereign rating from "BB+" to "In -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, and the countries which do not have the corresponding rating assessment



100




70

The loans granted Central Banks of the countries having sovereign rating from "BB+" to "In -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, and the countries which do not have the corresponding rating assessment



100




71

The loans granted the international financial institutions having debt rating from "BB+" to "In -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, and to the international financial institutions which do not have the corresponding rating assessment



100




72

The loans granted regional authorities of the countries having debt rating from "BBB+" to "VV-" of the Standard & Poor agency "s or the rating of similar level of one of other rating agencies, and the countries which do not have the corresponding rating assessment



100




73

The loans granted the resident organizations having debt rating are lower "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, to the resident organizations which do not have the corresponding rating assessment and the nonresident organizations having debt rating from "BBB+" to "VV-" of the Standard & Poor agency" s, or the rating of similar level of one of other rating agencies



100




74

The loans issued since January 1, 2016 and provided for the term of more than 1 year in foreign currency to the resident organizations having debt rating are lower "And -" the Standard & Poor agencies "s or the rating of similar level of one of other rating agencies, to the resident organizations which do not have the corresponding rating assessment and the nonresident organizations having debt rating from "BBB+" to "VV-" of the Standard & Poor agency" s, or the rating of similar level of one of other rating agencies, and not having the corresponding currency earnings, and (or) currency risks of which are not covered with the corresponding hedging instruments from the borrower



200




75

The loans granted physical persons till January 1, 2016 including the consumer loans except for carried to III risk group



100




76

The loans issued since January 1, 2016 and provided for the term of more than 1 (one) year in foreign currency to the physical persons, including the consumer loans except for carried to III risk group and which do not have the corresponding currency earnings and (or) currency risks of which are not covered with the corresponding hedging instruments from the borrower



200




77

The unsecured loans issued to physical persons from January 1, 2016 to December 31, 2019 including the consumer loans corresponding to one of the following criteria calculated by bank:
from January 1, 2017 to December 31, 2019 monthly when monitoring loans:
1) the level of coefficient of debt load of the borrower calculated according to the resolution of Board of National Bank of the Republic of Kazakhstan of December 25, 2013 No. 292 "About introduction of restrictions for carrying out separate types of banking and other activities by the financial organizations" registered in the Register of state registration of regulatory legal acts at No. 9125 (further - the resolution No. 292), with use for calculation of average monthly earnings of the borrower - physical person of the statement from the single accumulation pension fund from the individual retirement account for the last 6 (six) months or information on receipt of the salary by the borrower through payment cards of bank within 6 (six) consecutive months preceding date of the address of the borrower exceeds 0,35;
The delay of payments on debt on any operating or closed loan and (or) remuneration on it for the last 24 (twenty four) months preceding date of issue constitutes 2) more than 60 (sixty) calendar days or the delay of payments more than 3 (three) times more than 30 (thirty) calendar days was allowed;
3) in case of monthly monitoring of loans there is no information for calculation specified in the subitem 1) or 2) of this line.
In case of absence at bank of information provided in one of the above-stated subitems of this line, the loans issued to physical persons are recognized unsecured and are weighed on degree of credit risk, according to this line



150




78

The other loans granted physical persons from January 1, 2016 to December 31, 2019 including consumer loans (except for the mortgage housing loans and loans to physical persons specified in line 77 of this table)



100




79

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 1 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Having Official Confirmation" of Appendix 5-1 to the resolution of Board of National Bank of the Republic of Kazakhstan of September 13, 2017 No. 170 "About establishment of normative values and techniques of calculations of prudential standard rates and other regulations and limits, obligatory to observance, the size of the capital of bank and Rules of calculation and limits of open foreign exchange position", registered in the Register of state registration of regulatory legal acts at No. 15886 (further - Standard rates No. 170):
1) the size of debt of the borrower does not exceed 120 MRP;
2) the overpayment size is in percentage annual terms ranging from 0 (zero) to 30 (thirty) percent.



100




80

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 2 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Which Does not Have Official Confirmation" of Appendix 5-1 to Standard rates No. 170:
1) the size of debt of the borrower does not exceed 120 MRP;
2) the overpayment size is in percentage annual terms ranging from 0 (zero) to 30 (thirty) percent.



100




81

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 1 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Having Official Confirmation" of Appendix 5-1 to Standard rates No. 170:
1) the size of debt of the borrower is ranging from 120 MRP to 200 MRP;
2) the overpayment size is in percentage annual terms ranging from 0 (zero) to 30 (thirty) percent.



110




82

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 1 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Having Official Confirmation" of Appendix 5-1 to Standard rates No. 170:
1) the size of debt of the borrower does not exceed 120 MRP;
2) the overpayment size in percentage annual terms exceeds 30 (thirty) percent.



110




83

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 2 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Which Does not Have Official Confirmation" of Appendix 5-1 to Standard rates No. 170:
1) the size of debt of the borrower is ranging from 120 MRP to 200 MRP;
2) the overpayment size is in percentage annual terms ranging from 0 (zero) to 30 (thirty) percent.



110




84

The unsecured consumer loans issued to physical persons, corresponding to the criteria established by the Table 2 "Values of Coefficients of Weighing on Degree of Credit Risk of Investments on Unsecured Consumer Loans when Calculating Coefficient of Debt Load based on the Income Which Does not Have Official Confirmation" of Appendix 5-1 to Standard rates No. 170:
1) the size of debt of the borrower does not exceed 120 MRP;
2) the overpayment size in percentage annual terms exceeds 30 (thirty) percent.



110




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