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A total of KZT 37bln had been drawn down by JSC “BTA Bank” under the state mortgage loans refinancing program


JSC “BTA Bank” has successfully completed the mortgage loans refinancing under the state program of JSC “National Welfare Fund “Samruk-Kazyna”. In a time of the program realization by BTA Group totally 10 429 agreements were renegotiated with borrowers, over KZT 37bln or 30% of all allocated funds for second tier banks had been drawn down.

In a time of the program conducting BTA has received 11 423 applications, 10 620 out of them have been approved by the bank’s credit committee. The most active borrowers were from Almaty, Astana, Aktobe, Karaganda, Atyrau and East Kazakhstan region.

The following two main categories of borrowers took part in the program: employees of the budget sphere as well as social vulnerable strata of population the mortgage for whom was refinanced at the rate of 9% per year, for the rest of borrowers 11% per year. 80% of allocated funds had been drawn down in a category “common loans” and 20% in a category “social loans”.

-“BTA is taking part in all state programs on a full scale. All allocated funds for mortgage loans refinancing have been drawn down within the state program. Despite the fact that on October 1, this program was completed, the Bank has continued to refinance loans based on program terms at the expense of the funds received from credits’ repayment. At the same time, BTA Bank is giving out mortgage loans under the JSC “Kazakhstan Mortgage Company” program at the rate of 11,2% per year”, – said Kunsulu Kapbasova, Managing Director of the Bank.

The aim of the state program of JSC “National Welfare Fund “Samruk-Kazyna” is mortgage loans refinancing under the action plan of Kazakhstan’s Government on economy and financial system stabilization for the period of 2009-2010 to support population by reducing the fee rate on mortgage loans. As it is known, totally KZT 120bln has been allocated out of the National Fund funds for realization of this program.


BTA Group is a leading banking network in the CIS.
The network of BTA’s partner banks extends to Russia, Ukraine, Belarus, Georgia, Armenia, Kyrgyzstan and Turkey. BTA’s representative offices operate in Russia, Ukraine, China, and UAE.

The bank has one of the largest branch networks in Kazakhstan (22 branches with 237 service locations) along with an extensive chain of ATMs (864) and self-service terminals (160). BTA serves about 1.2 million retail and 132,000 corporate customers.

Media contacts:

Kalamkas Tuleshova
Brand Office/ International PR Activity

Tel.: +7 (727) 266-47-99
Fax. +7 (727) 250-12-55
Email: tuleshova@bta.kz