Product name Easy solution Express loan Business growth Business approach Loan Program It is an easy solution for realization of any goals. A loan not requiring collateral, issued in two days with a minimum set of documents. Conditions of providing a loan: Loan amount: form 150,001 to 300,000 KGS (equivalent in a foreign currency) Loan term: from 3 to 12 months Interest rate*: KGS 35,91%, USD 32% Presence of working experience in the financed field: not less than 12 months Loan s Guarantee: surety of a spouse and one other individual Express solution for business expansion. A loan secured by movable property and surety, issued in 3 days. Conditions of providing a loan: Loan amount: form 150,001 to 500,000 KGS (equivalent in a foreign currency) Loan term: from 3 to 18 months Interest rate*: KGS 33%, USD 28% Loan s Guarantee: movable property, spouse s and another individual s sureties. It is a business loan for development plan s realization and growth, addition of current assets, getting equipment etc. The possibility of issuing a loan line is provided. Conditions of providing a loan: Loan amount: form 300,001 to 1,000,000 KGS (equivalent in a foreign currency) Loan term: from 3 to 36 months Interest rate*: KGS from 28%, USD from 20% Loan s Guarantee: real estate or combined: real estate + movable property A long term loan for assets increasing plan realization, new business direction development, high-priced equipment financing, and new technologies development. The possibility of issuing a loan line is provided. Conditions of providing a loan: Loan amount: form 1 million som to 15 million KGS (equivalent in a foreign currency) Loan term: from 3 to 60 months Interest rate*: KGS from 28%, USD from 15% Loan s Guarantee: real estate or combined: real estate + movable property
Business plus A special loan for any purposes of clients which have a present loan at the Bank. There is no need for the whole set of documents and an additional collateral when issuing this loan. Conditions of providing a loan: Loan amount: form 50,001 KGS up to 1 million KGS (equivalent in a foreign currency) Loan term: from 3 up to 24 months Interest rate*: KGS from 29%, USD from 23% Loan s Guarantee: Surety of an individual. Sureties of the spouse and the guarantor for the valid loan are required (if such are present). The loan term must not be longer than the loan term of the present loan. Auto loan Business mortgage Cash loan and used automobiles. Conditions of providing a loan: Loan amount: from 300,001 KGS up to 3 million KGS; Loan term: from 3 to 6 months; Interest rate*: KGS from 28%, USD from 22% Initial installment: 30% of the value of purchased transportation; Guarantee: purchased transportation is the loan s guarantee, or present; Purchased motor transportation has to be brought to Kyrgyzstan and cleared; The Bank finances purchase of automobiles that are not older than 11 years and freight cars that are not older than 15 years at the moment of loan issuance; Car loan is not provided for buying an automobile as well as a freight car made in China is it is older than 3 years. g q g, g, g, g q g p construction. It provides the possibility of 100 % financing even if initial installment is not provided. Conditions of providing a loan: Loan amount: form 300,001 KGS up to 15 million KGS (equivalent in a foreign currency) Loan term: from 3 to 120 months Interest rate*: KGS from 28%, USD from 17% Loan s Guarantee: real estate Initial installment: not less than 30% of the project s value p p q g p y purposes secured by movable property. Conditions of providing a loan: Loan amount: form 300,001 KGS to 2 million KGS (equivalent in a foreign currency) Loan term: from 3 to 36 months Interest rate*: KGS from 28%, USD from 21% Loan s Guarantee: real estate, movable property, movable property and sureties of two people with the loan amount up to 500,000 KGS, combined: reals estate + movable property. The share for real estate depends on borrower s rating.
New house Agroloans Leasing construction, as well as repair and reconstruction of residential immovable property. The program also provides an opportunity to receive loan to purchase unfinished residential premise the construction of which is finalized to the extent of no less than 70%. Conditions of providing a loan: Loan amount: form 300,001 KGS to 15 million KGS (equivalent in a foreign currency) Loan term: from up to 15 years Interest rate*: KGS from 28%, USD from 17% Loan s Guarantee: purchased or another real estate Initial installment: not less than 30% of the project s value. When the initial installment is absent, the client has to present additional collateral in form of real estate. A loan for doing agricultural activities including financing acquiring agricultural land. The possibility of issuing a loan line and individual repayment schedule is provided. Conditions of providing a loan: Loan amount: form 300,001 KGS to 15 million KGS (equivalent in a foreign currency) Loan term: from 3 to 60 months Interest rate*: KGS from 28%, USD from 15% Loan s Guarantee: real estate or combined: real estate + movable property. Provision of a loan secured by surety of two people with the loan amount of 150,000 KGS is possible with the loan term up to one year. Special long term program for getting modern technology, buildings, constructions, equipment, transportation means, and other movable property and real estate that is used in entrepreneurial activities. It envisages opportunities for provision of individual repayment schedule. Conditions for loan provision: Loan amount: from 150 001 KGS to 15 million KGS (equivalent in a foreign currency) Loan term: form 3 to 60 months Interest rate*: KGS from 26%, USD from 16% Initial installment: not less than 30% from the project s cost. If initial installment is absent then real estate covering not less than 30% from the acquired property is pledged
Product name Credit lines Energosaramjal
Leasing Agriculture loans Business loan
Loan Program and receiving required finance in a timely manner. Amount of credit line limit is defined on the basis of payment capacity evaluation and legal capacity of client, his credit history in Bank and specific features of financed project. Active bank accounts in Bai-Tushum Bank and positive credit history, in case if borrower has been provided loans previously, are advantage. The Bank offers the following credit lines: Revolving credit line is opened for clients who plan to cooperate with the Bank long-term and obtain loans without reregistration of collateral for different purposes. Each sub-loan on this credit line is issued after separate approval on Credit committee meeting. Revolving credit lines are provided both for replenishment of turnover funds and purchase of fixed assets. Revolving credit line supposes disbursement of subsequent sub-loan within the limit of approved credit line on the basis of client s application without need for additional approval of sub-loan on Credit committee meeting. Revolving credit lines can be provided only for corporate clients. Credit lines are made on the condition of immovable property collateral. Advantages of credit lines in Bai Tushum Bank: Short processing time Issuance of credit line in any branch of Bank Individual repayment schedule fixed by loan agreement Revolving credit line can be opened for a period up to 5 years Possibility of financing several operating cycles Quick replenishment of turnover in national and foreign currency Obtaining loan funds without additional expenses on collateral re-registration At collateral assessment, Bank uses ratio from 0.8, i.e. 80% of market value of property The loan product in the framework of KYRSEFF program offers loans and grants up to 15% for improvement of energy efficiency of residential buildings and industrial enterprises. KyrSEFF replicates the well-proven Sustainable Energy Financing Facility (SEFF) model of the (EBRD). Modernization of production equipment: 1. Replacement of motors, pumps, fans, air compressors 2. Installation of modern transformers, etc. Retrofitting of office and production buildings: 1. Replacement of windows with more efficient ones 2. Thermal insulation of walls, roof, floor 3. Upgrading of (district) space heating, ventilation and air-conditioning systems 4. Modernization/replacement of heat exchangers, installation of thermostatic valves and other control and automation components, modernization of piping and wiring, and pipe insulation, etc. Conditions of providing a loan: Currency: KGS Som Credit amount: from 20 000 up to 5 million soms Interest rate: from 19% up to 22%
movable property and real estate that is used in entrepreneurial activities. It envisages opportunities for provision of individual repayment schedule. The subject of leasing may be: buildings, structures, equipment, transportation means and other movable and immovable property, used in entrepreneurial activities. Who is eligible to participate in leasing program? Private entrepreneurs Farmer and peasant households Agricultural cooperatives etc. Conditions for loan provision: Loan amount: from 150 001 KGS to 15 million KGS (equivalent in a foreign currency) Loan term: form 3 to 84 months Interest rate*: KGS from 28%, USD from 15% Initial installment: not less than 30% from the project s cost. If initial installment is absent then real estate covering not less than 30% from the acquired property is pledged g p g p y p, g g, production of seed and bread grain, cultivation of industrial crops, vegetables etc. Conditions of providing a loan: Loan amount: form 150,001 KGS to 15 million KGS (equivalent in a foreign currency) Loan term: from 3 to 60 months Interest rate*: KGS from 20%, USD from 17% Loan s Guarantee: real estate or combined: real estate + movable property. Provision of a loan secured by surety of two people with the loan amount of 150,000 KGS is possible with the loan term up to one year. If you are planning to expand your business or production, increase turnover or acquire new equipment, we offer you to obtain this loan, which provides for the funding of trade, services, including opening of public catering points, production of various commodities, processing of agricultural produce, rendering of travel services etc. Who is eligible for lending? Private entrepreneurs Legal entities Lending conditions: Loan currency: KGS/USD Loan amount: from 10,000 KGS Interest rate*: KGS from 20%, USD from 17% Loan term: up to 5 years Repayment schedule: individual or annuity Security: up to KGS 150,000 under guarantee of 2 persons and movable property, above KGS 100,000, immovable property serves as a loan security
Product name Bank account Bai-Tushum Bank offers its clients professional cash and settlement services to enable effective conduct of business. Upon opening a current account in Bai-Tushum Bank customers can use the following services: Opening and maintaining accounts in KGS and foreign currencies, Money transfers in Kyrgyzstan and abroad, Intra-bank transfers in local and foreign currencies, Conversion transactions (foreign exchange) Opening of corporate payment cards of Elcart payment system to pay for:- Expenses related customers business activity- Travel and official expenses. Elcart salary project Internet banking for any transaction from the account in 24/ 7 mode Advantages of using Bai-Tushum Bank: Extensive network of branches throughout Kyrgyzstan; Extensive network of correspondent banks; Professional service by qualified specialists; Transactions on the current account and access to funds in any division of the Bank throughout Kyrgyzstan Secure keeping of cash and competitive rates; Secure electronic payment system (SWIFT); Guarantee of confidentiality. You can access information about your account balance and cash flow via Internet banking any time or by telephone using the code word.
Product name Salary project Salary project is a convenient service for noncash transfers of salary and other equal to it payments on personal accounts of organization s employees. Bai Tushum Bank offers realization of the salary project to its customers, that allows decreasing of load on cash operations, that are done by accounting department of the company; it provides safety and confidentiality. Elcart payment system is the widest ATM network around Kyrgyzstan. Advantages of the salary project from Bai Tushum Bank for organizations: Decreasing expenses, connected to giving out salaries to personnel owing to saving financial means on cash operations implementation, keeping and transporting cash, cutting expenses for collection; Decreasing the load on accounting and cash services; exclusion of the risk when working with cash; provision of employees personal safety; confidentiality; Convenience of transferring amounts by single payment with presenting payment order and the list of salary amounts transferred to bank card accounts; Possibility, for organizations that have branches and representations, of centralized money transfers to bank card accounts of employees of those branches and representations; Possibility of establishing ATMs at organization s office; Distribution of cards by Bank employees on organization s territory; Minimal time of putting money on the card accounts; Provision of confidentiality in relation to employees salaries. Advantages for organization s employees: There is no need to wait in line at organization s cash office; salary is transferred to the card automatically; Access to your money 24/7 through ATMs all over the country; On-line control of all operations with the help of sms notifications and through internet-banking; Accrual of 3%annual interest rate in case the amount of minimum remainder on the card account is not less than 1000 som; Absence of necessity to carry cash, and risks connected to bearing big amounts of cash; Possibility of immediate card operation blocking in case it is lost; safekeeping of money on the card-account is guaranteed; Possibility of noncash payment of utilities, products, and services; Easy and effective control of your expenses (at the request of employee, Bank provides free monthly writing out on the card account); Possibility of issuing additional cards for family and friends using the same tariffs; Salary project
Organizations employees, who are holders of Elcart, may take advantage of the following Bank services: Pay for products and services in retail and service centers in Kyrgyzstan; Get cash in ATMs and cash output centers; Pay for utilities, payments to service suppliers, mobile operators, internet providers, television etc., using ATMs and POS-terminals; Conduct money transfers from card to card, using ATMs or POS-terminals; Use the card for getting salary and other financial income. How to join the salary project and organize salary payment to employees: 1. A company contacts any Bank office for singing a contract for salary project service and opening card accounts for salary transfers. 2. A company has to prepare an application, copy of passport, and a card with sample signatures for its every employee. The package of documents from companies all employees is sent to the Bank. 3. The company submits register of employees for Elcart payment cards issuance. 4. The Bank issues cards for company s employees and sends cards to an authorized company s employee using the power of attorney or directly to employees. 5. The Bank presents the list of company s employees, and identifies their card account numbers. 6. The company presents the list of salaries, signed and attested by company s stamp, and also duplicates it electronically for an authorized bank employee; 7. Bank transfers salaries on the employees card accounts, according with the presented list. Additional services Possibility of opening additional cards for employee s family members at any Bank branch. Possibility of account control through internet banking. Possibility of establishing ATM directly at company s office for employees convenience; Operative consultative support of card holders on the issues of plastic card usage, through Bank s Call-center.
Product name Bank guarantees In case if you and your partner do not know about paying capacity of each other, and you would like to minimize your risks on deals, Bai Tushum Bank is ready to offer you to use its bank guarantee. Bai Tushum Bank issues and services: Bank guarantees confirmed by foreign banks Bid guarantees Guarantee of contract performance Guarantee of advance payment return Payment guarantee etc. Advantages of guarantee issuance in Bai Tushum Bank: Short processing time Issuance of guarantees in any branch of the Bank Issuance of guarantees effective until complete fulfillment of obligations Irrevocability, i.e. guarantor who issued the guarantee, cannot revoke a document at his own and sole discretion Advantageous tariffs; Possible types of guarantee security cover: Bank guarantees against security of monetary funds; Bank guarantees against security of movable and immovable property. Requirements to borrower: Entrepreneurship activities with the formation or without formation of legal entity Work experience in financing field minimum 3 months/6 months Bank guarantees
List of primary documents: A passport copy of a borrower and spouse, guarantors (if any) and pledger with spouse, if pledger is a third party Documents on borrower s marital status Patent or certificate on registration of private entrepreneurship Documents on pledged property (registration certificate, entitling documents, certificate from State register on the absence of ban) Registration certificates for pledged vehicles Additional documents for legal entities: Certificate on registration of legal entity Charter, articles of incorporation Decision of an authorized body on formation of legal entity, for obtaining loan and pledging Certificates from State tax department and Social fund on absence of debts Financial statements (balance-sheet, income statement, cash flow statement, report on changes in equity capital). Business plan Notarized signature cards of people entitled to sign Bank guarantee consideration and issuance procedure is similar to loan provision procedure. *Bank guarantee is commitment on which the Bank guarantees to the third party the payment on agreements for delivery of products/goods, fulfillment of work/services, and return of advance payment or loans. Purpose of bank guarantee is assurance of reliability and safety of agreements that are reached by guaranteeing financial compensation by the Bank in case of non-fulfillment of contractual commitments by main debtor (buyer).
Product name Internet banking Internet banking allows customers to manage their bank accounts remotely without leaving home or office, as well as on vacation anywhere in the world, 24 hours a day, 7 days a week. Internet Banking allows you to: view your account balance generate a statement for the relevant period of time generate payment instructions to transfer funds from one account to another (intrabank transfer, interbank transfer, SWIFT transfer) conduct exchange operations ( Exchange ); Bank recently implented new option, now clients can pay for loans through internet banking. The Bank customer who has a current account or a deposit is provided free access to Internet banking after signing an agreement to connect to the service. Just visit the nearest Bank office and sign the Application and the Agreement. After signing the relevant documents within 15 minutes the customer is given a PIN envelope containing the password information required for the connection. For Internet banking you only need Internet connection, it does not require installation of special software. Latest versions of standard Internet browsers are used for Internet banking (Internet Explorer, Mozilla, Chrome, Opera, Safari) with installed Flash Player 9 ( or higher).
Product names "Savings" deposit Loan Products A special deposit, which enables to save and increase the funds. A distinctive feature of this deposit is an option of making additions. While the deposit amount increases, your income increases as well. The deposit is convenient for those, who plan a major purchase, education of children in university, acquisition of new car or just save money for unforeseen expenses. Principal conditions of the deposit: minum amount to open the deposit: 50 000 KGS, 1000 USD, 1000 EUR minimum amount of replenishment: 1000 KGS, 20 USD, 15 EUR payment of interest on a monthly basis or at maturity convenient maturities and profitable interest rates maximum amount of replenishments of account: without restrictions except for 60 days before the end of deposit term. Currency 6 months 12 months 18 24 months months KGS 4% 8% 10% 10% USD 4% 5% 5.5% EUR 1.5% 1.5% 2% Bonus program Min sum of deposit Currency 12 months 1,000,000 KGS 8% bonus (+2%) 3,000,000 KGS 8% bonus (+3%) 5,000,000 KGS 8% bonus (+4%) 20,000 USD 4% bonus (+0,5%) 15,000 EUR 1,5% bonus (+0,5%) 18 months 10% bonus (+1,5%) 10% bonus (+2%) 10% bonus (+3%) 5% bonus (+0,5%) 1,5% bonus (+2%) 24 months 10% bonus (+2%) 10% bonus (+2%) 10% bonus (+3%) 5,5% bonus (+0,5%) 2% bonus (+0,5%)
p p, p possibility to receive monthly income. The deposit is convenient for those, who need to save money for a planned purchase, and to earn income. Principal conditions of the deposit: minimum amount to open the deposit: 50 000 KGS, 1000 USD, 1000 EUR no addition to deposit is provided for payment of interest on a monthly basis or at maturity convenient maturities and profitable interest rates "Classical" deposit Currency 1 month 3 months 6 months 9 months 12 18 24 months months months KGS 1% 2% 4% 7% 8% 10% 10% USD 4% 5% 5.5% EUR 1.5% 2% 2% Bonus program Min sum of deposit Currency 12 months 1,000,000 KGS 8% bonus (+2%) 3,000,000 KGS 8% bonus (+3%) 5,000,000 KGS 8% bonus (+4%) 20,000 USD 4% bonus (+0,5%) 15,000 EUR 1,5% bonus (+0,5%) 18 months 24 months 10% bonus (+2%) 10% bonus (+2%) 10% bonus (+3%) 10% bonus (+3%) 10% bonus (+4%) 10% bonus (+4%) 5% bonus (+0,5%) 5,5% bonus (+0,5%) 1,5% bonus (+0,5%) 2% bonus (+0,5%)