Helpline +7 (775) 007 27 01
+7 (775) 007 27 01 - hotline (for reporting corruption and fraudulent activities, anonymity is guaranteed)
Working hours: from 9:00 to 18:30, break: from 13:00 to 14:30.
Sat, Sun - days off.

Head of the Anti-Corruption Compliance Service Salykov T.Zh: Salykov.T@agrocredit.kz
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about

The mission

The ACC's mission is to promote the sustainable development of the agro-industrial complex of the Republic of Kazakhstan through the formation of an affordable and effective financing system.

Vision

We are a key development institution with an effective model of providing the agro–industrial complex with financial resources and contributing to the creation of competitive industries and businesses based on the principles of sustainable development using modern technologies and digital solutions.
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Strategic areas of activity

1. Formation of an affordable and effective financing system

2. Promoting the development of a competitive business

1. Formation of an affordable and effective financing system

Increasing the coverage of agribusiness entities with financial services

Development of financing tools, including the use of digital solutions

2. Promoting the development of a competitive business

Support for priority areas in the agro-industrial complex

Promoting technological renewal in the agro-industrial complex

3. Improving operational efficiency

Ensuring financial stability

Improvement of operational activities

Improving the quality and transparency of corporate governance

Company history

JSC Agrarian Credit Corporation was established in accordance with the Decree of the Government of the Republic of Kazakhstan dated January 25, 2001 No. 137 "On issues of lending to the agricultural sector". The pilot project included two stages. The first is the creation of a specialized institute of JSC Agrarian Credit Corporation with one hundred percent state participation.

At the second stage, it was envisaged to create a network of regional financial institutions — rural credit associations (hereinafter — CT). The main goal of the Company was to build a CT system, including by entering into their authorized capital with a participation share of no more than 35%, as well as ensuring access of agricultural producers (hereinafter referred to as SHTP) to preferential credit resources from the republican budget. The pilot project was successfully implemented, a unique system of lending to agricultural enterprises through CT was created, which ensured the availability of credit resources to small and medium—sized agricultural enterprises participating in the CT system. Since 2006, the Company's activities have been expanded with the adoption of the Law of the Republic of Kazakhstan "On State regulation of the development of the agro-industrial complex and rural areas" dated July 8, 2005 No. 66 SAM.

Currently, the Company is a large financial organization engaged in the development of the agro—industrial complex, implementing lending programs in priority areas of agricultural production development, defined within the framework of the State Program for the Development of the Agro-industrial complex of the Republic of Kazakhstan for 2017-2021.

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2001year Society formation. The main goal is to build a KT system, thanks to which agricultural producers have access to concessional credit resources from the republican budget.
2002year The first 18 CTs were created, which included 833 participants. The first loan amount through KT was 5 million tenge.
2005year The Company's portfolio increased to 6 billion tenge.
2006year The company started financing the program of lending to associations of agricultural producers and rural population for joint production, procurement, marketing, processing, storage, transportation of agricultural products, supply of goods and materials, 147 agricultural production companies were financed for the year for a total amount of 12,250.1 million tenge.
2009year In order to increase the independence of KT, the Company announced its withdrawal from the founders of KT.
2009year The company has started implementing a program for lending investment projects at the expense of the National Fund of the Republic of Kazakhstan. As a result, 52 investment projects were financed in the amount of 23,490.9 million tenge.
2010year The company has launched a program to finance agricultural processing enterprises.
2011year The company becomes the operator of the Sybaga program, which provides loans to agribusiness entities for the purchase of breeding stock of cattle and breeding bulls for the reproduction of young meat breed. Since the beginning of the program, more than 4.0 thousand agricultural producers have been financed for a total amount of 50.6 billion tenge for the purchase of 272.3 thousand head of cattle.
2014year As part of the implementation of the Master plans for the development of horse breeding and sheep breeding, the Company launched new lending programs "Ulan" and "Altyn Asyk".
2016year The company received the status of a single operator of the Ken Dala program of crediting for spring field and harvesting works.
2016year The certificate of conformity of the QMS was received according to MS ISO 9001: 2008.
2016year The Company is product line was adapted taking into account a client-oriented approach, and sales channels were expanded. Lending programs "Enbek" have been developed within the framework of the Program for the Development of Productive Employment in Rural Areas "Isker" and "Agrotekhnika" by analogy with loan products of second-tier banks for car loans.
2017year A new Development Strategy of the Company for 2017-2026 was developed.
2017year Lending processes have been optimized: the list of documents has been reduced, the terms of consideration of loan applications have been reduced. The funding limit for the branch network was increased to 1 billion tenge.
2017year On September 22, 2017, the "1st Forum of Credit Partnerships" was held in Shymkent. The organizers of the forum were the Ministry of Agriculture of the Republic of Kazakhstan, the Society and the ALE "Association of Credit Partnerships of the Agro-Industrial Complex".
2018year As part of the Livestock Development Program for 2018-2027, the Company becomes the operator of the Sybaga lending program. During the year, the purchase of 31,242 head of cattle was financed. The range of the Company's credit products reaches 7, covering all areas of business in the countryside.
2018year An algorithm for obtaining subsidies has been introduced.
2019year For the first time in the country is history, the Company has assigned an "AAA" rating to two credit partnerships: CT Tselinogradskoye and CT Yasy. The "AAA" rating gives the right to self-finance end borrowers and post-loan services limited only by the size of the credit line, as well as a 1% reduction in the interest rate, an increase in the liquidity ratio by 0.1 on real estate collateral.
2019year The Agribusiness Support Center was opened on the basis of the Karaganda branch.
2019year By Decree of the Government of the Republic of Kazakhstan No. 459 dated June 28, 2019, the Company is included in the operators of the "Economy of Simple Things" program in the direction of financing the development of industries: crop production, horticulture, animal husbandry, including poultry and pig farming, aquaculture, fishing, malt production.
2020year The Development Strategy of Agrarian Credit Corporation JSC for 2020-2029 was approved.
2020year Under the state of emergency due to the pandemic, 2,405 farmers were financed within the 70 billion tenge allocated for spring field work in a record 30 days.
2020year A deferral of loan payments was granted to borrowers experiencing difficulties due to the consequences of the pandemic, in the total amount of 7.3 billion tenge.
2020year The company provided financial support to 100 medical workers working under the state of emergency in the country.
2020year The international rating agency Fitch Ratings has upgraded the long-term issuer default ratings of JSC "Agrarian Credit Corporation" in foreign and national currency from "BB +" to "BBB-", the rating outlook is "stable".
2020year In 2019-2020, under the Economics of Simple Things program to support small and medium-sized businesses, the Company financed 1,476 agricultural producers in the amount of 71.4 billion tenge.
2021year The Company is merged into the group of companies JSC National Managing Holding Baiterek;
2021year The Fund for financial support of agriculture is attached to the Company. Currently, the Company, in addition to direct lending to agribusiness entities and funding financial institutions, performs the functions of microcredit, an operator in the field of insurance in the agroindustrial complex and the functions of an attorney (agent) under the program “With a diploma - to the village!”;
2021year The international rating agency Moody is Investors Service confirmed the credit ratings of the Company at the level of "Ва1", the outlook is "Positive";
2021year The international rating agency Fitch Ratings confirmed the long-term credit rating of the Company in foreign and national currency at the level of "BBB-" and the rating on the national scale "AA + (kaz)" and raised the outlook on the rating from "Negative" to "Stable".
2021year As a result of a severe drought in most of the territory of Kazakhstan, as a support measure, the Company took measures to provide deferrals for repayment of borrowers' loans in the amount of 5.1 billion tenge.
2021year As a result of a severe drought in most of the territory of Kazakhstan, as a support measure, the Company took measures to provide deferrals for repayment of borrowers' loans in the amount of 5.1 billion tenge.
2022year Since July 25, 2022, the Corporation has been the Sole Shareholder of KazAgroFinance JSC with a 100% stake.
2022year Due to the change in the administrative-territorial division of the republic, the Corporation has opened branches in the regions of Abai and Ulytau.
2022year The Corporation has included in the list of operators of the Employment Roadmap for 2020-2021 program as part of the implementation of two new directions aimed at increasing the availability of financing for participants of the Start a Business project by funding microfinance organizations and financing investment projects in the field of agriculture.
2022year On November 10, 2022, the international rating agency Fitch Ratings confirmed the Corporation's long-term credit rating in foreign and national currency at the «ВВВ-» level and the rating on the national scale at the «АА+(kaz)» level. The outlook for the ratings is «Stable». The Corporation's short-term rating has been confirmed at the «F3» level. In addition, the international rating agency Moody's Investors Service has established the Corporation's long-term rating on the national scale (NSR Long-term Issuer Rating) at the level of «A1.kz».
2022year A diagnosis of corporate governance was carried out with the involvement of an independent company (KPMG), according to which the corporate governance system of the Corporation reached 87%.
2022year The Corporation has passed the certification audit of the anti-corruption management system.
2022year The corporation joined the UN Women's Empowerment Initiative.
2023year 550 billion tenge was the amount of financing for the agro–industrial complex (+5.2% by the result of 2022) - a new maximum.
2023year The credit rating was confirmed at the level of «ВВВ-» (Fitch Ratings) by the agency For the first time in 5 years, Moody's upgraded the ACC rating to «Baa3» (equivalent to BBB-).
2023year In December 2023, the Development Strategy of the Agrarian Credit Corporation for 2024-2033 was approved.