ИПС "Әділет"

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      Footnote. The title is in a new version, the preamble is excluded, throughout the text the words "by Decree, “of Decree”, “the Decree” shall be replaced by the words "by the Law", “of the Law”, “the Law” -by the Law of the Republic of Kazakhstan, dated 2 March 2001 No 162 (see Art. 2).
      Throughout the text, the word "(of the interest)" is excluded by the Law of the Republic of Kazakhstan dated 8 July, 2005 No 69;
      Footnote. Throughout the text, words “Affiliates”, “Affiliated”, “affiliates”, “affiliated”, “affiliation”, “affiliates”, “affiliated”, were replaced correspondingly by words “Affiliates”, “Affiliated”, “affiliates”, “affiliated”, “affiliation”, “affiliates”, “affiliated” in accordance with the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Section I. The grounds and conditions for establishment and functioning of banks
Chapter 1. General provisions Article 1. Bank, its status and location

1. A bank - a legal entity which is a commercial organization, entitled to perform banking activities in accordance with this Law.

2. The official status of the bank is determined by the state registration (re-registration) of the legal entity as a bank in the State Corporation "Government for Citizens" (hereinafter - the Corporation) and the presence of a license from the authorized body for regulation, control and supervision of the financial market and financial organizations (hereinafter - the authorized body) to conduct banking operations.

3. No legal entity that does not have the official status of the bank, may be called a "bank" or describe itself as the entity engaged in banking activities.

4. The location of the bank shall be the address (correspondence address) of its Board.

Footnote. Article 1 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.04.2019 № 241-VI (shall be enforced from 01.07.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 2. Basic definitions, used in this Law

The following definitions shall be used in this Law:

1) control – the ability to determine the decisions of the legal entity that occurs when one of the following conditions are met:

direct or indirect possession by one entity alone or together with one or more entities of over fifty percent of the shares in the authorized capital or the allotted shares (net of the preferred and those, repurchased by the company) of the legal entity or presence of the opportunity to vote on their own with more than fifty percent of the shares of the legal entity;

when one entity has the opportunity to elect at least half of the governing body or the executive body of the legal entity;

inclusion of financial statements of the legal entity, with the exception of the financial statements of a special financial company, incorporated in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization, into the financial statements of the legal entity in accordance with the audit report;

the ability of one entity alone or together with one or more other entities to determine the decisions of the legal entity by virtue of a contract (supporting documents) or otherwise in the cases, provided by the regulatory legal act of the authorized body;

2) indirect ownership (voting) of the shares of the bank – the ability to influence the bank’s decisions, a major participant of the bank, bank holding company or other entities, that are the major participant of the bank, the bank holding company through the ownership of the shares (the ownership interest in the authorized capital) of the legal entities;

2-1) inter-bank clearing – a collection, checking, sorting and confirmation of payments, as well as the organization of their netting and determination of net positions of clearing members - banks and organizations, performing certain types of banking operations;

3) banking conglomerate – a group of legal entities consisting of a bank holding company (if any) and a bank, as well as subsidiaries of a bank holding company and (or) subsidiaries of the bank, and (or) organizations in which the bank holding company and (or) its subsidiaries and (or) the bank have a significant participation in the capital;

The banking conglomerate shall not include the national managing holding company, the bank holding company - non-resident of the Republic of Kazakhstan, as well as the subsidiaries and organizations in which the bank holding - non-resident of the Republic of Kazakhstan has a significant share in the capital, which are non-residents of the Republic of Kazakhstan;

3-1) subordinated debt of the bank – unsecured obligation of the bank on the issued bonds or the received loan conforming to the conditions provided by Article 16-1 of this Law;

3-2) information system of a bank or an organization carrying out certain types of banking operations (hereinafter-the information system) – a system designed to store, process, search, distribute, transmit and provide information using hardware and software, through which banking and other services are provided;

4) a bank holding company – a legal entity (except for the cases where such owner is a state or a national managing holding, an organization, specializing in improving the quality of credit portfolios of second tier banks, subsidiaries of the National Bank of the Republic of Kazakhstan, as well as the cases provided by this Law), which is in accordance with the written agreement of the authorized body may own directly or indirectly twenty-five or more percent of placed (excluding privileged and repurchased by the bank) shares of the bank or be able to:

vote directly or indirectly with twenty-five percent or more of voting shares of the bank;

determine the decisions made by the bank, by virtue of an agreement or otherwise, or have control;

5) a regulatory equity capital (hereinafter - the equity capital) of the bank – the amount of equity capital, net of the bank’s investments;

6) a major participant of the bank – an individual or legal entity (except for the cases when such owner is the state or a national managing holding, an organization specializing in improving the quality of credit portfolios of second tier banks, subsidiaries of the National Bank of the Republic of Kazakhstan, as well as the cases provided by this Law) which is in accordance with the written agreement of the authorized body may own directly or indirectly ten or more percent of the placed (excluding privileged and repurchased by the bank) shares of the bank or be able to:

vote directly or indirectly with ten percent or more of voting shares of the bank;

influence the decisions made by the bank by virtue of the agreement or otherwise in the manner determined by the regulatory legal act of the authorized body;

7) a parent organization – the legal entity that has control over another legal entity;

8) a deposit – the money, given by one person (depositor) to another person - the bank, including to the National Bank of the Republic of Kazakhstan and the National Post, under the terms of its return in the nominal terms (with the exception of the investment deposit in the Islamic Bank) regardless of whether the money shall have to be returned on demand or in any period time wholly or partially with a pre-arranged bonuses or without it to the depositor directly or submitted to the third parties under the instructions;

9) a subsidiary -a legal entity, controlled by another entity;

10) indirect ownership interest in the equity capital or ownership (voting) of the shares of a legal entity– the ability to influence the decisions of the legal entity, a major participant of the legal entity or the persons who are a major participant of the legal entity through possessing (voting) of the shares (the ownership interest in the equity capital) of other legal entities;

11) a major participant of a legal entity – an individual or legal entity (except for the cases where such holder is the state or a national holding company), which owns, directly or indirectly, ten or more percent of the ownership interest in the equity capital or of the voting shares of the legal entity;

12) significant participation in the capital – the possession, directly or indirectly, alone or together with one or more entities of twenty or more percent of the voting shares (the ownership interest in the equity capital) or the ability to vote by twenty or more percent of the shares;

12-1) specialized branches bank – the second-tier bank, which is regulated by the separate legal act of the Republic of Kazakhstan;

12-2) perpetual financial instrument – an unsecured obligation of the bank on the bonds issued or the loan received, conforming to the conditions provided by Article 16-2 of this Law;

13) impeccable business reputation – existence of the facts confirming professionalism, reliability, absence of unexpunged or outstanding criminal conviction, including absence of the court decision entered into force about the use of criminal punishment in the form of deprivation of the right to occupy the position of an executive employee of financial organizations, banking and (or) insurance holding company and to be a major participant (major shareholder) of financial organization for life;

13-1) service company – a subsidiary of a bank acquiring doubtful and bad assets of a parent bank, a collection agency that has, under a trust management agreement, rights (claims) under bank loan agreements and (or) microcredit agreements (hereinafter referred to as a trust management agreement of rights (claims) concluded with by the person indicated in part one of paragraph 4 of Article 36-1 of this Law and (or) part one of paragraph 5 of Article 9-1 of the Law of the Republic of Kazakhstan "On microfinance activity", powers for trust management of rights (claims) under bank loan agreements and (or) microcredit agreements, including changing the terms of a bank loan agreement and (or) microcredit agreement, on representing the interests of a person with whom an agreement on trust management of rights (claims) has been concluded in court, on receiving money and (or) other property from a debtor, and other powers provided for by this Law, other laws of the Republic of Kazakhstan and an agreement on trust management of rights (claims);

13-2) insolvent bank – a bank classified by the decision of the authorized body to the category of insolvent banks in accordance with this Law;

14) a stabilization bank – a second-tier bank, established under the decision of the authorized body for transference of assets and liabilities of the bank, which is under the conservation regime. Particularities of establishing a stabilization bank are established by this Law.

Footnote. Article 2 is in the wording of the Law of the Republic of Kazakhstan dated 20.11.2008 No 88 -IV (the order of enforcement See Art. 2); as amended by the Laws of the Republic of Kazakhstan dated 12.02.2009 No 133 -IV (the order of enforcement See Art. 2); dated 13.02.2009 No 135 -IV (the order of enforcement see Art. 3); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 12.01.2012 No 539 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 2-1. The affiliates of the bank

1. The affiliates of the bank shall be the entities, specified in Article 64 of the Law of the Republic of Kazakhstan "On Joint Stock Companies", as well as the participants of the banking conglomerate.

Unless otherwise provided by this Article, the presence of a characteristic of a major shareholder of a bank at the national management holding company shall not be the ground for defining the affiliates of the bank in accordance with Article 64 of the Law of the Republic of Kazakhstan "On Joint Stock Companies".

2. Unless otherwise provided by this Article, the national managing holding or legal entities, one hundred percent of voting shares (participation stakes) of which belong to the national managing holding on the list, approved by the authorized body for state planning, as well as officials of the national managing holding and the above mentioned legal entities shall not be the affiliated persons of the bank, a major shareholder of which is the national managing holding.

Presence of the shareholders of these banks of the national management holding company shall not be the ground for recognizing the banks affiliated to each other.

3. Provisions of the second part of paragraph 1 and paragraph 2 of this Article shall not be taken into account for the purposes of the tax legislation of the Republic of Kazakhstan and the legislation of the Republic of Kazakhstan on transfer pricing.

4. The affiliates of a branch of a non-resident bank of the Republic of Kazakhstan shall be deemed the affiliates of a non-resident bank of the Republic of Kazakhstan, recognized to be the same in accordance with the legislation of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan.

A branch of a non-resident bank of the Republic of Kazakhstan shall keep records of its affiliates on the basis of information provided by a non-resident bank of the Republic of Kazakhstan.

Footnote. Article 2-1 is in the wording of the Law of the Republic of Kazakhstan, dated 13.02.2009 No 135 -IV (the order of enforcement See Art. 3); as amended by the Law of the Republic of Kazakhstan, dated 30.12.2009 No 234 -IV (shall be enforced from 21.02.2009); dated 29.09.2014 No. 239-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.01.2021 No. 399-VI (shall come into force from 16.12.2020).

Article 3. The banking system of the Republic of Kazakhstan

1. The Republic of Kazakhstan shall have the two-tier banking system.

2. The National Bank of the Republic of Kazakhstan is the central bank of the state and represents the upper (first) level of the banking system.

The tasks, principles of activity, legal status and powers of the National Bank of the Republic of Kazakhstan are determined by the Law of the Republic of Kazakhstan "On the National Bank of the Republic of Kazakhstan" and other laws of the Republic of Kazakhstan.

The National Bank of the Republic of Kazakhstan regulates, as well as, along with its department, control and supervision on certain issues of banking activities within its competence and contributes to the creation of general conditions for the functioning of banks and organizations carrying out certain types of banking operations.

The regulatory, control and supervisory functions of the National Bank of the Republic of Kazakhstan, within its competence in relation to banks and organizations engaged in certain types of banking operations, are aimed at maintaining the stability of the monetary system of the Republic of Kazakhstan, protecting the interests of banks' creditors, their depositors and customers.

3. All other banks shall be the lower (second) tier banks of the banking system with the exception of the Development Bank of Kazakhstan, which has a special legal status, determined by the legislative act of the Republic of Kazakhstan.

4. (Is excluded - No 162 dated 02.03.01)

5. A bank with foreign capital – the second-tier bank, more than one-third of the outstanding shares of which are owned, possessed and/or managed:

a) by non-residents of the Republic of Kazakhstan;

b) by legal entities - residents of the Republic of Kazakhstan, more than one-third of the outstanding shares or the ownership interest in the equity capital of which are possessed, owned and/or managed by non-residents of the Republic of Kazakhstan or their equivalent legal entities - residents of the Republic of Kazakhstan;

c) by residents of the Republic of Kazakhstan, that are the managers of funds (agents) of non-residents of the Republic of Kazakhstan or legal entities, referred to in subparagraph b) of this paragraph.

5-1. The Islamic Bank – the second-tier bank, performing banking activities, specified in Chapter 4-1 of this Law, on the basis of a license of the authorized body.

The Islamic bank shall not be a participant of the obligatory deposits guarantee system, and the deposits in the Islamic bank shall not be guaranteed by the obligatory deposit guarantee system. The Islamic banks shall have the right to create a non-commercial organization in the organizational-legal form of a joint-stock company that guarantees the return of deposits, attracted by Islamic banks.

Particularities of establishing and functioning of the Islamic bank shall be specified in Chapter 4-1 of this Law.

6. The Interstate bank – the bank, established and functioning under the international treaty (agreement), established by the Government of the Republic of Kazakhstan (or a state body, authorized by it) and the government (the governments) of the state (states) that signed the treaty (agreement).

7. Establishment of the specialized branch banks with the state capital shall be not allowed in the Republic of Kazakhstan, except for the joint stock company "Housing Construction Savings Bank of Kazakhstan".

Footnote. Article 3 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 02.03.2001 No 162 (see Art. 2); dated 25.04.2001 No 179; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 08.07.2005 No 72 (the order of enforcement see Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 4. Banking legislation of the Republic of Kazakhstan

1. Banking legislation of the Republic of Kazakhstan shall be based on the Constitution of the Republic of Kazakhstan and shall consist of this Law and other regulatory legal acts of the Republic of Kazakhstan.

2. If an international treaty, ratified by the Republic of Kazakhstan, shall establish the rules other than those, provided in this Law, the rules of the international treaty shall be applied.

Footnote. Article 4 is in the wording of the Law of the Republic of Kazakhstan dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); as amended by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 4-1. A branch of a non-resident bank of the Republic of Kazakhstan

1. A branch of a non-resident bank of the Republic of Kazakhstan shall be a separate subdivision of a non-resident bank of the Republic of Kazakhstan, which is not a legal entity, located in the territory of the Republic of Kazakhstan, passed accounting redistration with the Corporation and carrying out activities on the basis of a license from the authorized body.

2. A branch of a non-resident bank of the Republic of Kazakhstan shall use as its name the name, which is specified in the regulation on the branch of a non-resident bank of the Republic of Kazakhstan.

A branch of a non-resident bank of the Republic of Kazakhstan, in its name, shall be obliged to use the name of a non-resident bank of the Republic of Kazakhstan, as well as the “branch” word.

3. The location of a branch of a non-resident bank of the Republic of Kazakhstan shall be deemed the location in the territory of the Republic of Kazakhstan, specified in the regulation on the branch of a non-resident bank of the Republic of Kazakhstan.

Footnote. Chapter 1 is added with Article 4-1 in accordance with the Law of the Repubic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force from 16.12.2020).

Article 5. An organization, engaged in certain types of banking operations

Unless otherwise established by this Law, an organization carrying out certain types of banking operations is a legal entity that is not a bank, which, on the basis of a license from an authorized body or the National Bank of the Republic of Kazakhstan or in accordance with the laws of the Republic of Kazakhstan, is authorized to carry out certain types of banking operations provided for by this The law.

Footnote. Article 5 is in the wording by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the laws of the Republic of Kazakhstan dated 16.05.2014 № 203-V (shall be enforced upon expiry of six months after its first official publication); dated 29.03.2016 No. 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 5-1. Organization specializing in improving the quality of loan portfolios of second-tier banks

1. The government of the Republic of Kazakhstan shall be the sole shareholder of the organization specializing in improving the quality of loan portfolios of second-tier banks.

2. The organization specializing in improving the quality of loan portfolios of second-tier banks shall have the right to carry out the following types of activities, in the implementation of which losses may occur, shall:

1) to issue shares for formation of the authorized capital, as well as bonds for financing own activities;

2) to reacquire own placed shares and bonds;

3) to conduct assessment of the quality of assets, rights of claims of banks and (or) legal entities that were previously banks, in order to make a decision on their acquisition;

4) acquire doubtful and bad assets, other rights of claim and assets from the National Bank of the Republic of Kazakhstan and banks, manage them, including by transferring them into trust, own and (or) sell them.

In the event of transfer of rights (claims) from the National Bank of the Republic of Kazakhstan to an organization specializing in improving the quality of loan portfolios of second-tier banks, the consent of the borrower, pledger, guarantor and other persons for such a transfer is not required;

5) to conduct assessment of the quality of shares and (or) bonds issued by banks and (or) placed by banks, legal entities that were previously banks;

6) to acquire shares and (or) stakes in the authorized capital of legal entities, including legal entities, the rights of claims to which were acquired from banks and (or) legal entities that were previously banks, to manage them, including by transfer to trust management, to own and (or) to sell them;

7) to acquire shares and (or) bonds issued and placed by banks, to manage them, including by transfer to trust management, to own and (or) to sell them;

8) to provide in property hiring (rent) the property, acquired and (or) obtained from banks and (or) the legal entities that were previously banks or to use other form of paid temporary use of such property, to transfer it to trust management;

9) to perform operations on securitization of the rights of claims and other assets, acquired from banks and (or) legal entities that were previously banks;

10) independently, as well as jointly with banks, to create (acquire) an organization, acquiring dubious and hopeless assets;

11) to acquire from legal entities that were previously banks the rights of claims and assets, including shares and (or) stakes in the authorized capital of legal entities, to maintain, to ensure safety, to manage them, including by transfer to trust management, to own and (or) to sell them.

If as a result of transaction, provided in passage one of this subparagraph, the property is acquired in the amount of ten and more percent of the size of assets of an organization specializing in improving the quality of loan portfolios of second tier banks, the decision on conclusion of such a transaction shall be made by the shareholder of this organization.

If as a result of transaction, provided in passage one of this subparagraph, the transfer of rights (claims) of the creditor occurs, the consent of the borrower, the pledgor, the guarantor and other persons will not be required to such a transfer. In this case the identity of a new creditor is recognized not having essential value for the debtor;

12) place money in securities and other financial instruments, as well as in second-tier banks, the National Bank of the Republic of Kazakhstan and the organization specified in paragraph 8 of Article 61-4 of this Law, on the terms of bank account and bank deposit agreements;

13) to carry out financing on the conditions of payment, urgency and repayment of banks and (or) legal entities that were previously banks;

14) to acquire services of organizations on the issues related to improving the quality of loan portfolios of

15) to carry out implementation of special programs, developed and approved by the Government of the Republic of Kazakhstan and (or) the National Bank of the Republic of Kazakhstan;

15-1) to carry out the restructurization of debt on assets, including rights (claims), write off and (or) cancel in whole or in part the principal debt and (or) remuneration, commissions, penalties (fines, penalties), other debts, manage assets and sell them, recognize possible losses arising as a result of these actions;

16) other types of activities, established by the Government of the Republic of Kazakhstan.

The procedure for carrying out by the organization, specializing in improving the quality of loan portfolios of second-tier banks, of types of activities provided by this paragraph, as well as claims for the acquired (purchased) assets by it and rights of claim shall be established by the regulatory legal act of the sole shareholder.

The organization, specializing in improving the quality of loan portfolios of the second-tier banks on the rights of claims, assigned to it under the contract of the bank loan shall be recognized as the creditor (lender) on bank loan operation and shall have all rights and obligations established by the bank loan contract.

An organization specializing in improving the quality of loan portfolios of second-tier banks shall have the right to engage collection agencies to collect and assign the rights of claims on bank loans with a delay in fulfilling an obligation under a bank loan agreement for more than ninety consecutive calendar days, and also to levy collection in an indisputable manner on money held on the bank accounts of the borrower, by presenting a payment request in accordance with paragraph 2 of Article 36 of this Law.

3. The organization, specializing in improving the quality of loan portfolios of the second-tier banks on implementation of the types of activities specified in paragraph 2 of this Article shall have the right to receive the target transfer from the budget.

Footnote. Chapter 1 is supplemented by Article 5-1 in accordance with the Law of the Republic of Kazakhstan dated 28.12.2011 № 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan; is in the wording of the Law of the Republic of Kazakhstan dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 25.12.2017 №. 122-VI (shall be enforced from 11.03.2017); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 05.01.2021 No. 407-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 6. The ban on non-authorized activity

1. No person who does not have an appropriate license from an authorized body or the National Bank of the Republic of Kazakhstan has the right to:

1) to carry out the banking transactions as a main or additional activity;

2) use in its name, documents, announcements and advertising the word "bank" or a word (expression) derived from it, giving the impression that it is performing banking operations. This prohibition does not apply to the National Bank of the Republic of Kazakhstan, branches and representative offices of banks, organizations specified in paragraph 8 of Article 61-4 of this Law, international financial organizations.

2. Banking operations carried out without a license of an authorized body or the National Bank of the Republic of Kazakhstan are invalid, with the exception of activities (operations) carried out by a state body, the National Post Operator, organizations specified in paragraph 8 of Article 61-4 of this Law, as well as the Bank Development of Kazakhstan within the powers established by this Law and other laws of the Republic of Kazakhstan.

Footnote. Article 6 is in the wording by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the laws of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced from 01.01.2015); dated 24.11.2015 No. 419-V (shall be enforced from 01.01.2016); 29.03.2016 No. 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 7. Delineation of responsibilities of banks and the state. Independence of banks

1. The banks shall not be liable for the obligations of the state, as well as the state shall not be liable for their obligations, except for the cases, provided in paragraph 2 of this Article, as well as for the cases where the banks or the state assume such responsibility.

2. The state shall guarantee safety of deposits, taken by the interstate banks - residents of the Republic of Kazakhstan, and shall be liable for their obligations in proportion to the ownership interest of the Government of the Republic of Kazakhstan (or the state body, authorized by it) in the equity capital of these banks.

3. Interference in any form of the state bodies and their officials in the activities of the banks shall be prohibited, except for the cases, expressly provided by the legislation of the Republic of Kazakhstan.

Footnote. Paragraph 3 is supplemented by the second part by the Law of the Republic of Kazakhstan dated 7December, 1996 No 50. As amended by the Laws of the Republic of Kazakhstan dated 11 July1997 No 154; dated 2 March2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 02.07.2018 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

Article 8. Activities, prohibited or restricted for banks and bank holding companies

1. Banks shall be prohibited to carry out operations and transactions as entrepreneurship activity, not related to banking activity or not stipulated by paragraph 9 of this Article and paragraph 12 of Article 30 of this Law, as well as acquisition of stakes in the authorized capital or shares of legal entities, creation of and participation in activities of non-commercial organizations, except for membership in the National chamber of entrepreneurs of Kazakhstan, and cases established by this Law, and carrying out transactions with the securities in the cases, provided by paragraph 8 of this Article.

2. Bank holding companies shall be prohibited to carry out operations and transactions as entrepreneurship activity, as well as acquisition of participation stakes in the authorized capital or shares of legal entities, creation and participation in the activities of non-commercial organizations, except for membership in the National chamber of entrepreneurs of Kazakhstan, and cases established by this Law, and carrying out transactions with the securities in the cases, provided by paragraph 8 of this Article.

3. Prohibition, set in paragraphs 1 and 2 of this Article shall not apply to the following cases of establishment, as well as the acquisition of the ownership interest or the shares in the equity capital by:

1) by banks:

financial organizations, as well as non-resident legal entities of the Republic of Kazakhstan, having the status of banks, insurance organizations, pension funds, professional participants in the securities market, payment organizations in the amount of ten or more percent of the placed (minus preferred and redeemed by the company) shares (participatory interests in the authorized capital);

legal entities in the amount of less than ten percent of the placed (less preferred and redeemed by the company) shares (participation stakes in the authorized capital) provided that the acquired shares (participation stakes in the authorized capital) comply with the requirements of the regulatory legal act of the authorized body;

subsidiaries of special non-resident organizations of the Republic of Kazakhstan created for the purpose of issuing and placing securities under the bank guarantee;

subsidiaries of special financial companies created for securitization transactions in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization;

organizations-residents of the Republic of Kazakhstan, acquiring dubious and hopeless assets, created (acquired) together with an organization, specializing in improving the quality of credit portfolios of second-tier banks;

subsidiaries-residents of the Republic of Kazakhstan acquiring dubious and hopeless assets of the parent bank;

subsidiaries whose exclusive activity is the collection of banknotes, coins and valuables;

organizations rendering services to the operator of the electronic money system;

subsidiaries carrying out leasing activities;

organizations rendering services on ensuring information, telecommunication and technological interaction between the participants of calculations on banking activity, including calculations on transactions with payment cards;

organizations carrying out activity on certification of conformity of the public key of an electronic digital signature to the private key of an electronic digital signature, as well as confirming the authenticity of a registration certificate;

legal entities, specified in Article 10 of this Law;

legal entities, when the shares or participation stakes in the authorized capital of these organizations accepted as collateral become the property of banks in accordance with the civil legislation of the Republic of Kazakhstan and the legislation of a foreign state;

stock exchanges and central depository carrying out activity on the territory of the Republic of Kazakhstan;

credit bureau;

organizations, specified in paragraph 8 of Article 61-4 of this Law;

organizations (residents and non-residents of the Republic of Kazakhstan) providing services to provide the possibility of providing financial and (or) payment services using artificial intelligence, blockchain and other innovative technologies;

organizations (residents and non-residents of the Republic of Kazakhstan) providing services to enable transactions for the provision of financial services between financial institutions or issuers and consumers of financial services using an information system via the Internet;

organizations (residents and non-residents of the Republic of Kazakhstan) carrying out the development, implementation, support of the software used in the activities of financial organizations, including for automating their activities;

other legal entities - in carrying out banking activities provided by chapter 4-1 of this Law by the Islamic bank;

2) bank holding companies:

financial institutions;

organizations- residents of the Republic of Kazakhstan, acquiring doubtful and loss claims of the second tier banks for their management and (or) their subsequent selling, restructuring, and (or) the securitization;

special organizations - non-residents of the Republic of Kazakhstan, established to issue and allot securities, guaranteed by the bank holding company;

special financial companies, established for securitization transactions in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization;

the organizations whose sole activity is the collection of banknotes, coins and valuables, and leasing activities;

the organizations, providing services for information, telecommunication and technological cooperation between the participants of calculations on bank activities, including the transactions with payment cards;

the legal entities – non-residents of the Republic of Kazakhstan, having the status of banks, insurance companies, pension funds, professional participants of the securities market;

organizations, specified in paragraph 8 of Article 61-4 of this Law;

The requirements set forth in paragraphs eighteen, nineteen and twentieth of subparagraph 1) and paragraphs ten, eleven and twelfth of subparagraph 2) of part one of this paragraph apply to cases of creation, as well as acquisition by banks and bank holding companies of shares or interest in the equity capital of organizations - non-residents of the Republic of Kazakhstan in the presence of an agreement between the authorized body and the relevant supervisory body of a foreign state on the exchange of information.

Subsidiaries of the bank, except for the cases, provided in Article 11-2 of this Law shall be entitled to purchase only the shares or ownership interest in the equity capital of legal entities that meet the requirements, established by the regulatory legal act of the authorized body. Insurance (reinsurance) subsidiary organizations of the bank are also entitled to acquire shares of the organization, guaranteeing the insurance payments to the policyholders (the insured, beneficiaries) in case of a forced liquidation of insurance companies, and the organizations for creation and maintenance of the database.

Subsidiary organizations of the bank holding company are entitled to acquire only the shares or ownership interest in the equity capital of legal entities that meet the requirements, established by the regulatory legal act of the authorized body. Subsidiary insurance (reinsurance) companies of the bank holding company are also entitled to acquire the shares of the organization, guaranteeing the insurance payments to policyholders (the insured, the beneficiaries) in case of a compulsory liquidation of insurance companies, and the organizations for formation and maintenance of the database. This requirement does not apply to:

the bank subsidiaries- residents of the Republic of Kazakhstan;

the legal entities in which a bank holding company is the parent company through possessing (the possibility to vote, make decisions and (or) influence the decisions made under a contract or otherwise) the shares of a bank resident of the Republic of Kazakhstan, which owns directly (has the ability to vote, to determine solutions and (or) influence the decisions made under a contract or otherwise) the shares or ownership interest in the equity capital of these legal entities;

non-residents of the Republic of Kazakhstan, which are the subsidiaries of non-resident companies of the Republic of Kazakhstan, that are the bank holding company if any of the following conditions are observed:

a bank holding company’s individual credit rating is not lower than A rating in one of the rating agencies, the list of which shall be established by the authorized body, and a written confirmation from the financial supervision body of the country of origin of these legal entities that they are subject to the consolidated supervision;

existence of an agreement between the authorized body and the relevant supervisory body of a foreign state on the information exchange, as well as the minimum required rating of one of the rating agencies. Minimum rating and the list of rating agencies are established by the regulatory legal act of the authorized body.

4. Purchase of the ownership interest by a bank in the equity capital or the shares of the legal entities, referred to in subparagraph 1) of paragraph 3 of this Article shall not exceed ten percent of the bank's equity capital per entity. This limitation applies to the bank’s ownership interest in the equity capital or the shares of the said legal entities, including in the cases of their establishment.

The aggregate value of the bank's ownership interest in the equity capital or the shares of the legal entities, referred to in subparagraph 1) of paragraph 3 of this Article shall not exceed the amount, defined by the regulatory legal act of the authorized body.

The restriction established in part one of this paragraph shall not apply to the banks in connection with their acquisition of control over another bank:

in respect of which restructuring has been conducted in accordance with this Law;

carried out the operation provided by Article 61-4 of this Law.

5. Acquisition and possession by the bank of ten or more percent of the allotted (net of the preferred shares and those, repurchased by a joint stock company) shares or the ownership interest in the equity capital of financial institutions, as well as the legal entities - non-residents of the Republic of Kazakhstan, having the status of banks, insurance companies, pension funds, professional participants of securities market, shall be permitted provided that the bank meets the additional requirements to the minimum sufficiency of own capital, set by the regulatory legal act of the authorized body. This requirement shall apply to the cases of establishing of the said legal entities by the bank.

6. The aggregate percentage of shares (ownership interest in the equity capital) of the parent organization of a banking conglomerate, a bank or a bank holding company, owned by the subsidiaries of the bank or the bank holding company, the organizations in which the bank or the bank holding company has a substantial shareholding, shall not exceed the limits, established by the regulatory legal act of the authorized body.

7. When the banks acquire shares or ownership interest in the equity capitals of legal entities in the cases when the shares or ownership interest in the equity capitals of these institutions, taken as collateral, become the property of the banks in accordance with the Civil legislation of the Republic of Kazakhstan and the foreign law, the bank's interest in such legal entities shall not exceed ten percent of the equity capital of the bank.

The term of sale of shares or participation stakes in the authorized capital shall not exceed twelve months, except for the following cases:

transfer of shares or participation stakes in the authorized capital of these organizations accepted by the bank as collateral to a subsidiary of the bank created (acquired) under the conditions determined by Article 11-2 of this Law;

transfer to the ownership of the bank of shares or participation stakes in the authorized capitals of the organizations, specified in subparagraph 1) of paragraph 3 of this Article accepted as collateral.

The limitations, imposed by this paragraph, shall apply to the subsidiaries of the banks, with the exception of the bank’s subsidiary, established (acquired) under the conditions, specified in Article 11-2 of this Law.

7-1. In the event of transfer of collateral property, which was a security for the fulfillment of obligations under a bank loan agreement, into the ownership of the bank, as a result of foreclosure on it, the bank shall be obliged to sell such property through tendering (auction) within three years from the date of transfer of the said property into the ownership of the bank. The term for the sale of a land plot shall be determined taking into account the peculiarities provided for by the Land Code of the Republic of Kazakhstan.

In the event that a bank transfers a dwelling place for rent under the Program for Refinancing Mortgage Housing Loans (mortgage loans) approved by the National Bank of the Republic of Kazakhstan, the period established by part one of this paragraph for the sale of collateral property, which was a security for the fulfillment of obligations under a bank loan agreement, shall be extended for a rental period.

The requirements established by parts one and two of this paragraph shall apply to organizations engaged in certain types of banking operations.

The requirement of this paragraph shall not apply to cases of transfer of shares or ownership interest in the equity capital of legal entities, provided for in paragraph 7 of this Article, to the ownership of banks.

8. Prohibition, set by paragraphs 1 and 2 of this Article, shall not apply to the cases of purchase of ownership of:

the bonds of international financial institutions, the list of which shall be established by the authorized body;

bonds, complying with the requirements established by the regulatory legal act of the authorized body;

the bonds of a special financial company which is the subsidiary of a bank or the bank holding company, incorporated in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization, issued under the securitization transaction between the bank or the bank holding company and a special financial company;

the own bonds by the bank or the bank holding company and the bonds, issued by subsidiaries of the bank or the bank holding company, the obligations on which are guaranteed by the bank or the bank holding company. The order of transactions with these bonds is determined by the regulatory legal act of the authorized body.

The limitations, imposed by this Article, shall not apply to the cases of purchasing by the bank, the bank holding company, of the bonds instead of the previously acquired ones, the organizations that are under restructuring, subject to the inclusion of obligations on the previously issued bonds into the list of the restructured obligations of the organization.

9. In addition to the activities, referred to in paragraph 1 of this Article, the banks shall be entitled to perform the following types of activities:

1) development, implementation and support of specialized software used for automatication of the activities of banks and organizations carrying out certain types of banking operations, or other software used in the activities of financial organizations;

2) to sell the special literature on banking activity on all types of data storage devices;

3) to sell its own property;

4) the issuance, sale and distribution of payment cards and checkbooks;

5) to conduct inter-bank clearing;

6) the issuance, sale, purchase and redemption of electronic money, as well as the provision of services for collection and processing of information on electronic money transactions;

7) to sell the property, mortgaged by the borrowers, in accordance with the legislative acts of the Republic of Kazakhstan;

8) to provide consulting services on the issues, related to the financial activities;

9) to represent the interests of other persons on the issues, related to banking activities, or as a representative of the bondholders;

9-1) the implementation of intermediary services between the payer and the supplier of goods, works and services by providing service maintenance, including the possibility of receipt and remote payment for goods, works and services using systems, programs, bank infrastructure, when payment can be made in a non-cash way;

10) to organize trainings to improve personal skills of the experts of banking and financial activities;

11) for the certification of conformity of the public key of an electronic digital signature to the private key of an electronic digital signature as well as on confirmation of authenticity of the registration certificate in respect of its customers, using its banking services under the license of the authorized body in the sphere of informatization;

12) to conclude contracts of insurance on behalf of insurance companies - residents of the Republic of Kazakhstan in the existence of an agreement between the bank and the insurance companies - residents of the Republic of Kazakhstan to conclude the insurance contracts on behalf of the organizations;

13) lease its own property to subsidiaries in accordance with the contract of property lease (rent);

14) to lease on the basis of a property lease (rent) contract a dwelling, which has become the property of the bank as a result of levy against it in connection with non-fulfillment or improper fulfillment by the borrower of obligations under the contract of mortgage housing loan (mortgage loan) or provision by the borrower of compensation in the form of dwelling, acting as collateral under the contract of mortgage housing loan (mortgage loan).

15) participate in syndicated financing and (or) act as an agent bank and (or) collateral manager in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization.

This activity shall be carried out in accordance with the Program of refinancing of housing mortgage loans (mortgage loans), approved by the National Bank of the Republic of Kazakhstan.

As tenants of the dwelling, specified in part one of this subparagraph may act only individuals whose dwelling became the property of the bank as a result of levy against it in connection with non-fulfillment or improper fulfillment by the borrower of obligations under the contract of mortgage housing loan (mortgage loan) or provision by the borrower of compensation in the form of dwelling acting as collateral under the contract of mortgage housing loan (mortgage loan).

10. In addition to the activities, referred to in paragraph 2 of this Article, the bank holding companies shall be entitled to perform the following types of activities:

1) to purchase property from a person, not bounded with the bank holding by the special relationships, and which is acquired for their own needs;

2) to provide consulting services on the issues, related to financial activities;

3) sale of own property.

11. Banks and bank holding companies shall be prohibited to issue a "golden share".

12. Transactions with the state securities and non-state securities in the secondary market, as well as with the derivative financial instruments shall be made by the banks solely at the organized securities market, except for the cases, stipulated by the regulatory legal act of the authorized body.

13. The requirements of this Article shall not apply to:

1) the bank holdings of Islamic banks;

2) the bank holding companies, indirectly possessing (having the opportunity to vote, to make decisions and (or) influence the decisions under the contract or otherwise) the bank’s shares through the possessing (the possibility to vote, make decisions and (or) influence the decision making under the contract or otherwise) of the shares or ownership interest in the equity capital of the bank holding company-resident of the Republic of Kazakhstan, which owns directly (has the opportunity to vote, make decisions and (or) influence the decision making under the contract or otherwise) the shares of the said bank;

3) non-residents of the Republic of Kazakhstan that are a bank holding company, an entity, possessing the characteristics of the bank holding company, if any of the following conditions are provided:

presence of an individual's credit rating not lower than the A rating of one of the rating agencies, the list of which shall be established by the authorized body, as well as by a written confirmation from the Financial Supervisory Authority of the country of origin of the bank holding company, the entity, having the characteristics of a bank holding company, about the fact that the said entities –non-residents of the Republic of Kazakhstan are subject to the consolidated supervision;

4) the bank holding companies - residents of the Republic of Kazakhstan, which are the financial institutions.

5) banks in connection with acquisition of shares of another bank or other securities, the holder of which is another bank, or participation stakes in the authorized capital of legal entities belonging to another bank, during their reorganization in the form of accession in the manner prescribed by the legislation of the Republic of Kazakhstan, or operation provided by Article 61-4 of this Law.

14. Branches of non-resident banks of the Republic of Kazakhstan shall be prohibited to carry out operations and transactions as entrepreneurial activities that are not related to banking activities provided for in paragraph 2-1 of Article 30 and paragraph 4 of Article 52-5 of this Law, as well as activities, provided for by subparagraph 2) of paragraph 10 of this Article.

Footnote. Article 8 is in the wording by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (the order of enforcement See Art. 2); as amended by the Laws of the Republic of Kazakhstan dated 12.01.2012 No 539 -IV (shall be enforced upon expiry of 10 calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 26.12.2012 No 61 -V (shall be enforced from 04.02.2012); dated 21.06.2013 No 106 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 19.03.2014 No. 179-V (shall be enforced from the date of its first official publication); dated 10.06.2014 № 206-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 27.04.2015 No. 311-V (the order of enforcement see Article 2); dated 24.11.2015 No. 419-V (shall be enforced from 01.01.2016); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 26.07.2016 No. 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 27.02.2017 No. 49-IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 02.01.2021 No. 399-VI (for the procedure of enactment see ст.2); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 8-1. Restrictions imposed to the banks when making transactions

1. A bank shall have no right to issue bank loans and bank guarantees to the individuals, bounded with it by the special relationships, defined in accordance with Article 40 of this Law, except for:

the bank loans and bank guarantees, granted to the entities that are the members of the banking conglomerate;

the secured bank loans and bank guarantees, the amount and form of which meet the requirements, established by the regulatory legal act of the authorized body;

the bank loans and bank guarantees, granted to the entities that have no the signs of unstable financial condition, defined by the regulatory legal act of the authorized body.

2. A bank shall have no right to issue bank loans and bank guarantees to a legal entity (resident and non-resident of the Republic of Kazakhstan), that does not meet one of the following conditions:

1) there is information about an individual that owns more than fifty percent of the ownership interest in the equity capital or of the allotted (net of the preferred shares and those, repurchased by a joint stock company) shares of a legal entity or has the opportunity to vote by more than fifty percent of the shares (ownership interest in the equity capital) of the legal entity or controls such an entity;

2) there is information about the individuals who together own more than fifty percent of the ownership interest in the equity capital or the allotted shares (net of the preferred shares and those, repurchased by a joint stock company) of a legal entity or are entitled to vote by more than fifty percent of the shares (ownership interest in the equity capital) of the legal entity;

3) there is information about all shareholders (ownership interest in the equity capital) of the legal entity, owning ten or more percent of the ordinary shares (ownership interest in the equity capital) to the ultimate owners of the ordinary shares (ownership interest in the equity capital) of the legal entity;

4) is a legal entity that is controlled by the Government of the Republic of Kazakhstan, a local executive body or a foreign state, having the minimum required rating. The minimum required rating and the list of rating agencies are established by the regulatory legal act of the authorized body;

5) is an international organization that is included in the list, established by the authorized body;

6) is an organization that has the minimum required rating. The minimum required rating and a list of rating agencies shall be established by the regulatory legal act of the authorized body;

7) there is information about individual and legal entities, referred to in subparagraphs 4) - 6) of this paragraph, owing together more than fifty percent of the ownership interest in the equity capital or the allotted shares (net of the preferred shares and those, repurchased by a joint stock company) of a legal entity or entitled to vote by more than fifty percent of the shares (ownership interest in the equity capital) of the legal entity;

8) there is information about a management company of an investment fund, as well as the individual and legal entities, referred to in subparagraphs 4), 5), 6) and 7) of this paragraph, who are the shareholders (interest-holders) of the investment fund and exercising control over the entity;

9) is a legal entity for which there is information, which may be disclosed in the order, established by the regulatory legal act of the authorized body.

2-1. The Bank may not issue bank loans to a citizen of the Republic of Kazakhstan from the date of placement of an announcement on the completion of an out-of-court bankruptcy procedure or a judicial bankruptcy procedure as prescribed by the Law of the Republic of Kazakhstan "On the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan", nor may it accept security from such persons in the form of a pledge, guarantees and sureties under bank loan agreements for five years.

3. The requirements of paragraph 2 of this Article shall not apply to the bank loans and bank guarantees, the value of which does not exceed the amount, defined by the regulatory legal act of the authorized body.

The total amount of all bank loans and bank guarantees, referred to in paragraphs 1 and 2 of this Article shall not exceed the amount, the calculation order of which shall be determined by the regulatory legal act of the authorized body.

4. The bank shall be prohibited to transfer assets worth more than ten percent of the own equity capital of the bank as collateral or other form of encumbrance without the prior approval of this transaction by the board of directors of the bank.

A branch of a non-resident bank of the Republic of Kazakhstan shall be prohibited to transfer assets worth more than ten percent of the amount of assets of a branch of a non-resident bank of the Republic of Kazakhstan, accepted as a reserve, pledge or other form of encumbrance without prior approval of this transaction by a non-resident bank of the Republic of Kazakhstan.

Footnote. Chapter 1 is supplemented by Article 8-1 in accordance with the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan. dated 02.01.2021 No. 399-VI (shall come into force from 16.12.2020); dated 30.12.2022 No. 179-VII (shall be enforced sixty calendar days after the date of its first official publication).

Article 9. The ban on advertising that is untrue

1. Banks shall be prohibited to advertise their activities that are untrue on the day of publication.

2. The authorized body shall be entitled to require that the bank makes changes to the advertisement that does not reflect reality, its termination or a publication of official contradiction.

In case of non-fulfillment of the requirement within the time limit, set by the authorized body, the authorized body shall be entitled to publish an announcement on discrepancy of the information, contained in the advertisement with the reality, or specify it at the expense of the bank that published such advertisement.

3. Legal entities that do not have a license from an authorized body or the National Bank of the Republic of Kazakhstan to conduct banking operations are prohibited from advertising services provided that fall under the category of banking operations.

Footnote. Article 9 as amended by the Laws of the Republic of Kazakhstan dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 08.07.2005 No 72 (the order of enforcement see Article 2); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication).; dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 10. Associations (unions) of banks

1. In order to coordinate their activities, protect and represent common interests, implement joint projects and other common tasks, the banks shall be entitled to establish associations and unions of banks in accordance with the existing legislation.

2. Associations (unions) of banks shall be the non-profit organizations.

3. Associations (unions) of banks may not be used to restrict competition in the banking system, manipulation of interest rates, terms of offering loans and other banking services.

Footnote. Article 10 as amended by the Law of the Republic of Kazakhstan dated 11 July 1997 No 154.

Article 10-1. Consortia and other associations involving banks

In order to implement joint projects on providing loans and resolving other tasks, the banks shall be entitled to establish consortia under an agreement on joint activities and participate in the activities of other consortia and associations.

Footnote. Article 10-1 is supplemented by the Law of the Republic of Kazakhstan dated 16 July, 1999 No 436.

Article 11. Subsidiary banks, branches and representative offices and cash and settlement departments (savings banks) of the banks

Footnote. Article 11 is excluded by the Law of the Republic of Kazakhstan dated 23December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107).

Article 11-1. Subsidiaries of banks and bank holding companies and significant participation of banks and bank holding companies in the capital

1. In order to implement the powers, vested to them by Article 8 of this Law, a bank and bank holding company shall be entitled to establish or have a subsidiary only with the prior approval of the authorized body.

The requirement to obtain permission of the authorized body for establishment or acquisition of a subsidiary shall not apply to the bank holding companies, indirectly owing (having the opportunity to vote, make decisions and (or) influence the decisions made under a contract or otherwise) the shares or ownership interest in the equity capital of the organization through possession (the opportunity to vote, make decisions and (or) influence the decision making under a contract or otherwise) of the shares of a bank-resident of the Republic of Kazakhstan, which owns directly (having the opportunity to vote, make decisions and (or) influence the decisions under a contract or otherwise) the shares or ownership interest in the equity capital of this organization and having the corresponding permission of the authorized body.

The requirement to obtain permission from the authorized body for the creation or acquisition of a subsidiary shall not apply to the bank holdings specified in subparagraph 2) of paragraph 13 of Article 8 of this Law. The specified bank holdings shall be obliged to notify the authorized body of the creation or acquisition of a subsidiary within fourteen working days from the date of state registration of a legal entity in the event of the creation of a subsidiary or the acquisition of shares in the authorized capital or voting shares of a subsidiary.

Requirement on receipt of permission of an authorized body for establishment or acquisition of a subsidiary shall not apply to a bank in connection of its acquisition of control of other bank, in relation of which the restructurisation was conducted in accordance with this Law.

The procedure for issuing a permit to a bank or bank holding company to create or acquire a subsidiary is determined by the regulatory legal act of the authorized body.

2. Subsidiaries of banks shall not be entitled to create and (or) have subsidiaries, as well as have a significant participation in the capital, with the exception of the creation or participation in the capital of organizations - non-residents of the Republic of Kazakhstan, developing, implementing, supporting software used in the activities of financial organizations, including for automatization of their activities.

This restriction does not apply to the banks, which had been restructured in accordance with this Law and the control of which was acquired by another bank, as well as to the banks, carried out the operation provided by Article 61-4 of this Law, and control of which was acquired by another bank.

The following shall not be a subsidiary of the bank:

1) legal entities whose shares or ownership interests in the equity capital become the property of the bank in the event of their acceptance as collateral in accordance with the civil legislation of the Republic of Kazakhstan and the legislation of a foreign country, subject to the restrictions, specified in paragraph 7 of the Article 8 of this Law;

2) legal entities in the authorized capital of which the bank’s interest shall be carried out through the ownership (opportunity to vote, make decisions and (or) influence the decisions made under a contract or otherwise) of the shares or the ownership interest in the equity capital of the subsidiary, established (purchased) under the terms, defined by Article 11-2 of this Law;

3) legal entities whose shares or ownership interest in the authorized capital are purchased by the Islamic Bank in the banking operation, specified in Article 52-9 of this Law.

3. Subsidiaries of bank holdings, with the exception of subsidiaries of resident banks of the Republic of Kazakhstan, as well as subsidiaries of bank holdings specified in subparagraph 2) of paragraph 13 of Article 8 of this Law, shall not have the right to create and (or) have any subsidiaries.

3-1. For issuance of permission to creation, acquisition of a subsidiary and (or) significant participation in the capital of the organizations a fee shall be charged, which amount and procedure of payment shall be determined by the tax legislation of the Republic of Kazakhstan.

4. The following documents must be attached to the application for obtaining permission to create, acquire a subsidiary, submitted in the form established by the regulatory legal act of the authorized body:

1) constituent documents of a subsidiary - if they are not available on the Internet resource of the financial reporting depository or if they can be received by the authorized body through the web portal of "electronic government";

2) the decision to establish a subsidiary - in case of its creation, or the decision to acquire a subsidiary - in the case of its acquisition (in the absence of information on the Internet resource of the financial reporting depository), as well as a copy of the license - in the case of carrying out a licensed type of activity;

3) information about the executives of the subsidiary (or candidates recommended for appointment or election to the positions of executives);

4) information about affiliated persons (in the absence of information on the Internet resource of the financial reporting depository).

If the bank does not have a bank holding company, additional information is provided on organizations associated with the subsidiary:

managing their activities on an integrated basis in accordance with the terms of the memorandum or the provisions of the association of these organizations;

if the composition of the executive body, management body (for joint-stock companies), supervisory board (for limited liability partnerships) of these organizations is more than one third represented by the same persons;

5) the business plan of the subsidiary, the requirements for which are determined by the regulatory legal act of the authorized body;

6) information, based on the analysis of the legislation of the country of the location of the subsidiary, on the absence of circumstances suggesting the impossibility of conducting consolidated supervision of the banking conglomerate due to the fact that the legislation of the countries of location of the participants of the banking conglomerate - non-residents of the Republic of Kazakhstan makes it impossible for them and the banking conglomerate to perform the requirements provided for by the legislative acts of the Republic of Kazakhstan;

7) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

8) the financial statements of the acquired subsidiary, certified by the auditing organization, for the last completed reporting period;

9) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);
10) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

11) data on the legal entity, through the acquisition of a participatory interest in the authorized capital or shares of which the bank and (or) the bank holding company acquires a subsidiary, including:

name and location of the legal entity;

information on the size of the share of participation of the bank and (or) the bank holding company in the authorized capital of the legal entity, the price of its acquisition, the founder (participant) of which is the bank and (or) the bank holding company;

information on the number of shares, the purchase price, their percentage to the total number of outstanding shares (minus the preferred and redeemed by the company) of the legal entity, the shareholder of which is the bank and (or) the bank holding;

information on the size of the participation interest of a legal entity (founder, participant, the shareholder of which is a bank and (or) a bank holding company), the price of its acquisition in the authorized capital of another legal entity;

information on the number of shares, the purchase price, their percentage to the total number of outstanding shares (net of preferred and redeemed shares by the company) acquired by a legal entity whose shareholder (founder, participant) is a bank and (or) a bank holding company.

These requirements apply to cases of acquisition of a subsidiary by a bank and (or) a bank holding company through the acquisition of shares in the authorized capital or shares of several legal entities;

12) excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VІ (shall be enforced from 01.01.2019);
13) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

13-1) a document confirming payment of the fee for issuing a permit, except for cases of payment through the payment gateway of "electronic government";

14) other documents on the basis of which it is supposed to acquire control or confirming control over a subsidiary, indicating the grounds for the emergence of control.

5. A bank and (or) a bank holding company shall be entitled to establish a subsidiary organization under a condition of a break-even activity on the consolidated and unconsolidated basis upon the results of each of the last two fiscal years and compliance with the prudential standards, including on a consolidated basis, established by the authorized body, during the last three months, preceding the date of submitting an application for a permit to the authorized body.

6. The grounds for refusal in issuance of permission for creation, acquisition of a subsidiary shall be:

1) failure to eliminate the comments of the authorized body on the submitted documents;

2) non-compliance of the legislation in the field of consolidated supervision over financial organizations of the country of location of the created or acquired subsidiary with the requirements for consolidated supervision established by the legislative acts of the Republic of Kazakhstan;

3) non-compliance of the executives of a subsidiary (or candidates recommended for appointment or election to the positions of executives) with the requirements of subparagraphs 3), 4), 5) and 6) of paragraph 3 of Article 20 of this Law;

4) a banking conglomerate’s failure to comply with the prudential standards, which includes a bank and (or) a bank holding company as a result of the probable presence of a subsidiary of a bank and (or) a bank holding company;

5) analysis of the financial implications, forecasting worsening of the financial condition of the bank, the bank holding company or the bank conglomerate due to the activities of the subsidiary organization or the investments, planned by the bank and (or) the bank holding company;

6) non-compliance of risk management and internal control systems, including in relation to risks associated with the activities of a subsidiary, with the requirements of the authorized body for risk management and internal control systems;

7) a subsidiary organization’s failure to comply with the established prudential standards in the cases, provided for by the legislation of the country of location of the subsidiary, as well as the prudential standards by the bank and the bank holding company, including on a consolidated basis, and other mandatory standards and limits for the last three months, preceding the date of submitting an application for a permit to the authorized body, and (or) during consideration of the application;

8) Existence of the current supervisory response measures of the bank and (or) bank holding company and (or) the proposed acquisition of a subsidiary, provided for in subparagraphs 1), 2), 3), 4), 5), 6), 9), 14) and 15) of paragraph 1 of Article 46, Article 47-1 of this Law, and (or) administrative penalties for administrative infractions provided for in parts six, eight of Article 213, of Article 227 of the Code of the Republic of Kazakhstan on administrative infractions, as of the date of submission of an application and within the period of documents review;

9) in the cases of establishment or acquisition by the bank and (or) the bank holding company of a subsidiary organization - a bank, an insurance (reinsurance) company, managing the investment portfolios - residents of the Republic of Kazakhstan –the failure to comply with the requirements, provided by this Law, the legislation of the Republic of Kazakhstan on insurance and insurance activities, securities market on issuance of a consent to obtain the status of a banking or an insurance holding company, a major participant of a bank, insurance (reinsurance) company, managing the investment portfolios - residents of the Republic of Kazakhstan;

10) non-compliance by a bank, a bank holding with the requirements of this Law for the creation of subsidiaries of a bank, a bank holding, the acquisition by banks, bank holdings of shares or stakes in the equity capital of legal entities;

11) unprofitable activity of a bank and (or) a bank holding company on a consolidated and non-consolidated basis based on the results of each of the last two completed financial years preceding the date of filing an application for obtaining permission to create, acquire a subsidiary to the authorized body.

7. The authorized body is obliged to issue a permit or refuse to issue a permit within fifty working days after the submission of the application.

In case of refusal to issue a permit, the authorized body shall notify the applicant about the grounds for refusal in a written form.

An application for obtaining permission to create, acquire a subsidiary, submitted as part of obtaining permissions to open a bank or voluntary reorganization of a microfinance organization in the form of conversion into a bank, shall be considered by the authorized body within the time limits established for consideration of applications for the issuance of these permissions.

8. Within thirty calendar days a subsidiary organization of a bank, and (or) a bank holding company shall notify the authorized body of any changes and additions, made to the constituent documents.

9. A subsidiary organization of a bank, and (or) a bank holding company - non-resident of the Republic of Kazakhstan, as well as the organization-non-resident of the Republic of Kazakhstan in which the bank and (or) the bank holding company has a substantial shareholding, shall have to disclose the necessary information to the authorized body on the basis of the relevant request in order to ensure quality and timely performance of the functions, delegated to the authorized body for a consolidated supervision. In this case, the received information shall not be disclosed.

10. In case of acquisition by the bank and (or) bank holding company of characteristics of control over other legal entity in the absence of permission of the authorized body, the authorized body shall apply to the bank and (or) the bank holding company the measures of supervisory response provided by this Law. In this case, within six months from the date of occurrence of characteristics of control or detection of the specified violation by the authorized body, the bank and (or) the banking holding company shall be obliged to alienate the shares (participation stakes in the authorized capital) belonging to them of the legal entity to the persons not related to them by special relations, and to submit confirming documents to the authorized body.

11. A significant shareholding of the bank and (or) the bank holding company in the capital of organizations shall be permitted only with the preliminary permission of the authorized body.

The requirement on obtaining the permission of the authorized body for a significant participation in the capital of the organization shall not apply to:

1) bank holding companies, indirectly possessing (having the possibility to vote, to determine decisions and (or) influence the taken decisions by virtue of a contract or otherwise) by the shares or participation stakes in the authorized capital of this organization through ownership ( possibility to vote, to determine decisions and (or) influence the taken decisions by virtue of a contract or otherwise) by the shares of a bank-resident of the Republic of Kazakhstan that directly possessing (having the possibility to vote, determine decisions and (or) influence the taken decisions by virtue of a contract or otherwise) by the shares or participation stakes in the authorized capital of the specified organization and having the appropriate permission of the authorized body;

2) banks, in case of participation in the authorized capital of legal entities through ownership (the possibility to vote, determine decisions and (or) to influence the taken decisions by virtue of a contract or otherwise) by the shares or participation stakes in the authorized capital of a subsidiary created (acquired) on the terms determined in Article 11-2 of this Law;

3) banks in case of transfer to their ownership of shares or participation stakes in the authorized capital of legal entities accepted by the bank as collateral in accordance with the civil legislation of the Republic of Kazakhstan and the legislation of a foreign state, subject to the restrictions established by paragraph 7 of Article 8 of this Law.

Permission of the authorized body for a significant shareholding in the capital of organizations shall not be required for Islamic bank if it purchases the shares (ownership interest in the authorized capital) while financing the production and trading activities through a shareholding in the authorized capital of legal entities and (or) on a partnership basis.

The issuance of a permit to a bank or bank holding company for a significant participation in the capital of organizations shall be carried out in the manner determined by the regulatory legal act of the authorized body.

In case of acquisition by the bank and (or) the bank holding company of a significant participation in the capital of the organization without the prior consent of the authorized body, the authorized body shall apply to the bank and (or) the bank holding company the supervisory response measures provided by this Law. In this case, the bank and (or) the bank holding company must alienate their shares (participation stakes in the authorized capital) of the organization in the capital of which they have a significant participation, to the persons not related to the bank and (or) the bank holding company by special relations, and to submit confirming documents to the authorized body within six months.eholding, to the persons, who are not bounded with the bank and (or) the bank holding company by a special relationship, and submit the supporting documents to the authorized body within six months.

12. An application for obtaining a permit for significant participation in the capital of organizations in the form established by the regulatory legal act of the authorized body is submitted with the attachment of documents provided for in subparagraphs 2), 3), 5), 6) and 11) of paragraph 4 of this article, as well as a document confirming the payment of the fee for issuing a permit for significant participation in the capital of organizations, except for cases of payment through the payment gateway of "electronic government".

Refusal to issue a permit for a significant shareholding in the capital of organizations shall be based on the grounds, provided for in paragraph 6 of this Article.

13. The authorized body shall revoke the permission to create, acquire a subsidiary, significant participation in the capital of the organization in cases of:

1) identifying false information on the basis of which the permission was issued;

2) identifying inconsistency of the activities of the subsidiary of the bank and (or) bank holding company, as well as the organization in which the bank and (or) bank holding company have a significant participation in the capital, with the requirements of paragraph 3 of Article 8 of this Law.

When revoking a permission for the creation, acquisition of a subsidiary, a significant participation in the capital of an organization, the authorized body shall make a decision on cancellation of the previously issued permission within two months from the date of discovery of the fact that is the basis for revoking the permission.

13-1. The authorized body shall make a decision on cancellation of the previously issued permission for the creation, acquisition of a subsidiary, significant participation in the capital of the organization in cases of:

1) withdrawal of permission to create, acquire a subsidiary, significant participation in the capital of the organization;

2) termination of activities of a subsidiary of a bank and (or) a bank holding company, organizations in which the bank and (or) bank holding company have a significant participation in the capital, through reorganization (in the form of a merger, accession) or liquidation;

3) the absence of the bank and (or) bank holding signs of control over the subsidiary;

4) the absence of the bank and (or) bank holding signs of significant participation in the capital of the organization;

5) cancellation of the consent issued by the authorized body for the acquisition of the status of a bank holding company in accordance with part three of paragraph 18 of Article 17-1 of this Law.

The issued permission of the authorized body for the creation, acquisition of a subsidiary, significant participation in the capital of the organization shall be considered canceled from the day following the day the authorized body receives an application from a bank, a bank holding company with supporting documents on the cancellation of a previously issued permission on the grounds provided for in subparagraphs 2), 3 ) and 4) part one of this paragraph, or after the day when the authorized body discovers the facts that are the basis for the cancellation of the issued permission.

In the case provided for by subparagraph 5) of part one of this paragraph, the previously issued permission of the authorized body for the creation, acquisition of a subsidiary, significant participation in the capital of the organization shall be considered canceled from the date of cancellation of the issued consent of the authorized body for the acquisition of the status of a bank holding company.

13-2. In the event of revocation of a permit for the creation, acquisition of a subsidiary, a significant participation in the capital of an organization on the grounds specified in part one of paragraph 13 of this article, the bank and (or) bank holding company shall be obliged, within six months from the date of revocation of such permission, to alienate their shares (interest in the equity capital) of these organizations to persons not related to this bank or bank holding by special relations, and to submit supporting documents to the authorized body.

The procedure for revocation and (or) cancellation of a permit for the creation, acquisition of a subsidiary, significant participation in the capital of organizations shall be established by a regulatory legal act of the authorized body.

14. The requirements of this Article shall not apply to:

1) the cases of establishment (acquisition) of a subsidiary by the bank under the conditions, specified in Article 11-2 of this Law;

2) non-residents of the Republic of Kazakhstan that are the subsidiaries or the affiliated organizations of non-residents of the Republic of Kazakhstan, that are a bank holding company, a legal entity with the characteristics of a bank holding company, as well as non-residents of the Republic of Kazakhstan that are a bank holding company, a legal entity with the characteristics of a bank holding company, when they establish or purchase the subsidiaries and the affiliates-non-residents of the Republic of Kazakhstan with one of the following conditions fulfilled:

when a bank holding company, a legal entity with the sings of a bank holding company has an individual credit rating not lower than A rating of one of the rating agencies, the list of which shall be established by the authorized body, as well as a written confirmation from the Financial Supervisory Authority of the country of origin of these entities that they are subject to the consolidated supervision;

existence of an agreement on information exchange between the authorized body and the relevant supervisory body of a foreign state, as well as the minimum required rating of one of the rating agencies. Minimum rating and the list of the rating agencies are established by the regulatory legal act of the authorized body.

3) cases of acquisition by the bank of shares of another bank or shares and participation stakes in the authorized capital of legal entities belonging to another bank, during their reorganization in the form of accession in the manner determined by the legislation of the Republic of Kazakhstan.

15. If a bank holding company creates or acquires a subsidiary financial organization or acquires a significant participation in the capital of a financial organization, in respect of which obtaining of the appropriate permits for participation in the capital is provided by the legislation of the Republic of Kazakhstan, the permission for creation or acquisition of a subsidiary and (or) a significant participation in the capital shall be issued by the authorized body to the bank holding company simultaneously with the issuance of the relevant document granting the right to own, use and (or) dispose the shares of a financial organization in the amounts, established by the legislation of the Republic of Kazakhstan, without submission of relevant documents provided by this Article, except for a document confirming the payment of a fee for the issuance of a permit.

The requirements of part one of this paragraph shall apply to the persons wishing to acquire the status of a bank holding company.

16. If the acquisition by the bank of a subsidiary or a significant participation in the capital of the organization occurred as a result of transfer to its property of accepted by the bank as collateral of the shares or participation stakes in the authorized capitals of the organizations, specified in subparagraph 1) of paragraph 3 of Article 8 of this Law, the bank shall be obliged to obtain permission from the authorized body for creation or acquisition of a subsidiary or a significant participation in the capital of the organizations within the term, established by the authorized body in the framework of application of the supervisory response measure to the bank.

Footnote. Article 11-1 is in the wording by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Laws of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.12.2012 No 60 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 26.12.2012 No 61 -V (shall be enforced from 04.02.2012); dated 21.06.2013 No 106 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 19.03.2014 No 179 -V (shall be enforced from the date after its first official publication); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 25.12.2017 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 168-VI (the enforcement see article 2); dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 03.07.2020 No. 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 11-2. Subsidiaries of banks acquiring dubious and hopeless assets of the parent bank, and the organization acquiring dubious and hopeless assets, the members of which are the bank and the organization specializing in improving the quality of loan portfolios of second-tier banks

Footnote. Title of Article 11-2 is in the wording of the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).

1. In order to implement the powers, vested by Article 8 of this Law, the bank shall have the right to establish or acquire a subsidiary, purchasing doubtful and loss assets of the parent bank, only if a preliminary permission of the authorized body is provided.

The procedure for issuing a permit for the creation or acquisition by a bank of a subsidiary that acquires doubtful and hopeless assets of the parent bank is determined by the regulatory legal act of the authorized body.

1-1. The bank shall have the right to create (acquire) an organization acquiring dubious and hopeless assets, together with an organization specializing in improving the quality of loan portfolios of second-tier banks.

If as a result of creation or acquisition of the organization specified in part one of this paragraph, the bank shall have a significant participation in the capital of this organization, this participation shall be allowed only with the prior permission of the authorized body.

The property specified in the civil legislation of the Republic of Kazakhstan, as well as dubious and hopeless assets of banks and (or) the rights of claim on dubious and hopeless assets of the bank acquired by the organization specializing in improving the quality of loan portfolios of second-tier banks may be a contribution to the authorized capital of the organization, specified in part one of this paragraph, created in the organizational-legal form of a limited liability partnership.

The organization, specified in part one of this paragraph, shall be obliged to transfer money received from its activities to its members (shareholders) in the manner and amount provided by the action plan on improvement the quality of dubious and hopeless assets, approved by the general meeting of participants (shareholders) of this organization, with the exception of money aimed at payment of expenses, related to carrying out types of activities, provided by paragraph 4 of this Article.

2. A subsidiary organization, purchasing the doubtful and loss assets of the parent bank shall be obliged to transfer the money, received from its activities to the parent bank, with the exception of the money, allocated for payment of costs, associated with the activities, provided for by paragraph 4 of this Article.

3. The operating procedures of the subsidiary, acquiring doubtful and loss assets of the parent bank, the time limit within which the subsidiary manages the purchased doubtful and loss assets, as well as the requirements to the acquired (purchased) doubtful and bad assets, shall be established by the regulatory legal act of the authorized body.

4. A subsidiary of the bank acquiring dubious and hopeless assets of the parent bank, as well as an organization acquiring dubious and hopeless assets, the participants of which are the bank and an organization specializing in improving the quality of loan portfolios of second-tier banks, shall have the right to:

1) acquire and sell dubious and hopeless assets of the bank;

2) acquire and sell movable and immovable property and (or) the right of ownership to the objects of unfinished construction, which became the property of the bank as a result of levy on the pledged property on the acquired dubious and hopeless rights of claim;

3) acquire and sell shares and (or) participation stakes in the authorized capital of legal entities in cases of their acceptance as collateral (compensation or security) for the acquired dubious and hopeless rights of claim or transfer to the ownership of the parent bank as a result of levy on the pledged property;

4) lease the property transferred to its ownership as a result of levy on the property that acted as a collateral, other security or received in the form of compensation for dubious and hopeless rights of claims acquired from the bank, as well as specified in subparagraph 2) of this paragraph, or use another form of paid temporary use of such property;

5) carry out other types of activity in order to improve the quality of the acquired dubious and hopeless rights of claim or other assets established by the regulatory legal act of the authorized body.

4-1. A subsidiary of a bank acquiring doubtful and loss assets of a parent bank shall be entitled to act as a service company under an agreement on trust management of rights (claims).

A subsidiary of a bank acquiring doubtful and loss assets of the parent bank shall register in the register of agreements all agreements of trust management of rights (claims) and keep records of accepted and other documents, the transfer of which is provided for by the agreement of trust management of rights (claims).

Within the framework of an agreement on trust management of rights (claims), a bank's subsidiary acquiring doubtful and loss assets of the parent bank shall be entitled to:

by agreement of the parties, change the terms of a bank loan agreement or an agreement on the provision of a microcredit within the framework of the powers granted by the person with whom the trust management agreement of the rights (claims), powers has been concluded. Changing the terms of the bank loan agreement and (or) the agreement on the provision of microcredit unilaterally shall be allowed in cases of their improvement for the borrower in accordance with part two of paragraph 3 of Article 34 of this Law and part two of paragraph 6 of Article 3 of the Law of the Republic of Kazakhstan “On microfinance activity”;

represent the interests of the person with whom the contract of trust management of rights (claims) has been concluded in court, including in the process of collecting debts and (or) foreclosing the subject of pledge;

accept from the debtor in the interests of the person with whom the contract of trust management of rights (claims) is concluded, money in non-cash form and (or) other property to pay off the debt with the subsequent transfer of such money and (or) such property in his favor;

use the services of appraisers, auditors, lawyers and other consultants;

exercise other rights stipulated by the contract of trust management of rights (requirements).

The remuneration of the subsidiary of the bank acquiring doubtful and loss assets of the parent bank acting as a service company, as well as the costs associated with trust management, shall be paid (reimbursed) in accordance with the terms of the trust management agreement of rights (claims) by the person who acquired the rights (claims) under bank loan agreements and (or) microcredit agreements.

The Borrower and (or) his representative shall be entitled to:

1) receive from the person who has entered into an agreement on trust management of rights (claims) information about the subsidiary of the bank that acquires acquiring doubtful and loss assets of the parent bank, its location, the availability of personal data of the borrower, the amount and structure of the debt;

2) apply to a subsidiary of the bank acquiring doubtful and loss assets of the parent bank, which carries out trust management in accordance with the agreement on trust management of rights (claims), with an application to change the terms of the bank loan agreement and (or) the microcredit agreement related to the fulfillment of obligations under the specified contract, with justification of the reasons for such treatment.

4-2. A subsidiary of a bank acquiring doubtful and loss assets of a parent bank interacts with borrowers under an agreement on trust management of rights (claims) subject to the requirements stipulated in paragraphs 1, 2, 4, subparagraphs 1), 3), 4), 5), 6) and 9) of paragraph 5 and paragraph 6 of Article 5 of the Law of the Republic of Kazakhstan “On collection activity”, and shall be obliged to comply, under the agreement on trust management of rights (claims), with the requirements and restrictions imposed by the legislation of the Republic of Kazakhstan on the relationship between the creditor and the debtor under the bank loan agreement and (or) the microcredit agreement.

The subsidiary of the bank, acquiring doubtful and loss assets of the parent bank, in the event of a decision on the voluntary termination of its activities or a court decision on the termination of the activities of the subsidiary of the bank, acquiring doubtful and loss assets of the parent bank, shall be obliged:

1) within thirty calendar days after the adoption of the above decision:

transfer to the person to whom the rights (claims) have been assigned under the bank loan agreement and (or) the microcredit agreement, or, at his direction, to the service company with which such person has concluded a new contract for the trust management of rights (claims), all information and documents on the rights ( claims) under bank loan agreements and (or) microcredit agreements transferred to a bank subsidiary acquiring doubtful and loss assets of the parent bank, on the basis of an agreement on trust management of rights (claims) as of the date of the decision on the voluntary termination of its activities or adoption by the court decisions to terminate its activities;

terminate all concluded contracts of trust management of rights (claims).

A person to whom rights (claims) have been assigned under a bank loan agreement and (or) a microcredit agreement, or a service company with which such a person has concluded a new agreement on trust management of rights (claims), shall be obliged to ensure the receipt of information and documents in the case provided for in paragraph second of subparagraph 1) of the second part of this paragraph;

2) within five calendar days from the date of the adoption of the above decision to notify thereof:

the persons with whom contracts of trust management of rights (claims) are concluded, in the ways provided for by the contract of trust management of rights (claims));

debtors, rights (claims) under bank loan agreements or microcredit agreements to which they were transferred on the basis of agreements for trust management of rights (claims), in one of the following ways:

by telephone conversations from the telephone numbers of the bank's subsidiary, acquiring doubtful and loss assets of the parent bank, for contacts with debtors;

through personal meetings;

by written (postal) notifications sent to the debtor - an individual at the place of residence (legal address), the debtor - a legal entity at the location (actual address);

by text, voice and other messages via cellular communication;

via the Internet.

5. The application for obtaining permission to create, acquire a subsidiary that acquires doubtful and hopeless assets of the parent bank, submitted in the form established by the regulatory legal act of the authorized body, is accompanied by the documents and information provided for in subparagraphs 1), 2), 3), 4), 11), 13-1) and 14) of paragraph 4 of Article 11-1 of this Law, as well as:

1) is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication);

2) the financial statements of the subsidiary organization for the last completed quarter before submission of the relevant application - in the case of acquisition of the subsidiary;

3) a business plan and an action plan to improve the quality of the doubtful and loss assets, the requirements for which are determined by the regulatory legal act of the authorized body.

5-1. The application for obtaining a permit for significant participation in the capital of an organization acquiring doubtful and bad assets, created (acquired) in conjunction with an organization specializing in improving the quality of loan portfolios of second-tier banks, shall be accompanied by the documents and information provided for in subparagraphs 2), 3) and 11) paragraph 4 of Article 11-1 of this Law and in subparagraphs 2) and 3) of paragraph 5 of this Article, as well as a document confirming the payment of the fee for issuing a permit for significant participation in the capital of organizations, except for cases of payment through the payment gateway of "electronic government ".

Refusal to issue the permission for significant participation in the capital of the organization acquiring dubious and hopeless assets, created (acquired) together with the organization specializing in improving the quality of loan portfolios of second-tier banks shall be made on the grounds provided by paragraph 6 of this Article.

6. The grounds for refusal to issue a permit for establishment, acquisition of the subsidiary organization, purchasing the doubtful and loss assets of the parent bank shall be:

1) the grounds, specified in subparagraphs 1), 3) and 4) of paragraph 6 of Article 11-1 of this Law;

2) non-compliance of the doubtful and loss assets, transferred to the subsidiary organization, with the requirements of paragraph 4 of this Article and (or) the requirements of the regulatory legal act of the authorized body.

7. Subsidiaries of banks, acquiring dubious and hopeless assets of the parent bank, as well as the organization acquiring dubious and hopeless assets, the members of which are the bank and the organization specializing in improving the quality of loan portfolios of second tier banks, for the assigned rights of claim by the banks under the bank loan contracts, shall be recognized as creditors (lenders) on a banking loan operation and shall have all the rights and liabilities of the bank, established by the bank loan contract, rights of claim under which were assigned in favour of the organization by the bank.

      8. Is excluded by the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016
      9. Is excluded by the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).
      Footnote. Chapter 1 is supplemented by Article 11-2 in accordance with the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced from 01.01.2011); as amended by the laws of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Chapter 2. Establishment of a bank and banking activities

Footnote. Chapter 2 the amendments were made, dated 8 July 2005 No 72 (the order of enforcement see Article 2).

Article 12. The legal structure of banks

Footnote. Article 12 is excluded by the Law of Republic of Kazakhstan dated 10.07.2003 No. 483 (shall be enforced from 01.01.2004).

Article 13. Permission of the authorized body for opening of a bank

1. The procedure for issuing permission to open a bank shall be determined by the banking legislation of the Republic of Kazakhstan.

The procedure for issuing a permit for voluntary reorganization of a microfinance organization in the form of conversion into a bank shall be determined by the legislation of the Republic of Kazakhstan on microfinance activities.

2. A permission to open a bank shall have legal force until the authorized body makes a decision on issuance of a license to the bank to conduct banking operations.

3. The issued permission to open a bank is considered canceled in the following cases:

1) the bank makes a decision on the voluntary termination of its activities through reorganization or liquidation;

2) the court makes a decision to terminate the bank's activities;

3) failure of the Corporation to register a legal entity as a bank within two months from the date of issuance of a permit to open a bank;

4) failure to obtain a license to conduct banking or other operations within one year from the date of issuance of permission to open a bank.

In the case provided for in subparagraph 3) of the first part of this paragraph, previously issued permits for the creation or acquisition of a subsidiary, significant participation in the capital of organizations and consent to acquire the status of a major participant in a bank, bank holding company are considered canceled.

4. A bank shall have the right to voluntarily return of the permit to open a bank and re-registering in accordance with the legislation.

Footnote. Article 13 is in the wording by the Law of the Republic of Kazakhstan dated 11 July 1997 No 154; as amended by the Laws of the Republic of Kazakhstan dated 10.07.2003 No 483 (shall be enforced from 1 January 2004); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 13-1. Opening of a branch of a non-resident bank of the Republic of Kazakhstan

1. A non-resident bank of the Republic of Kazakhstan shall have the right to apply to the authorized body to obtain permission to open a branch in the territory of the Republic of Kazakhstan, subject to the following conditions:

1) the total assets of a non-resident bank of the Republic of Kazakhstan shall not be less than the equivalent of twenty billion US dollars;

2) the state of which the non-resident bank of the Republic of Kazakhstan is a resident is a participant in international cooperation in the field of preventing and combating the legalization (laundering) of proceeds from crime and the financing of terrorism, and also cooperates with the Financial Action Task Force on Money Laundering (FATF);

3) availability of an agreement between the authorized body and the financial supervision authority of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan.

The agreement between the authorized body and the financial supervisory authority of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan, must contain the procedure for the exchange of confidential information constituting a trade secret in the securities market, banking secrecy, insurance secrecy or other secret protected by law, the procedure for cooperation on the issues of opening of a branch of a non-resident bank of the Republic of Kazakhstan, licensing, approval of executives, regulation, control and supervision (including conducting audits of activities) and termination of activities of a non-resident bank of the Republic of Kazakhstan and its branch, as well as other issues of interaction for the purposes of exercising control and supervisory functions;

4) availability of a written notice from the financial supervisory body of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, that it has no objection to the opening of a branch of a non-resident bank of the Republic of Kazakhstan in the territory of the Republic of Kazakhstan or a statement by the financial supervisory body of the said state that according to the laws of the state of which the non-resident bank of the Republic of Kazakhstan is a resident, such permission is not required;

5) availability of a written confirmation of the financial supervisory authority of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, that the non-resident bank of the Republic of Kazakhstan has a valid license to carry out banking activities.

2. An application for issuing a permit to open a branch of a non-resident bank of the Republic of Kazakhstan in Kazakh or Russian shall be submitted in the form established by the regulatory legal act of the authorized body, attached with the following documents:

1) a decision of a non-resident bank of the Republic of Kazakhstan on opening of a branch in the territory of the Republic of Kazakhstan;

2) a draft regulation on the branch of a non-resident bank of the Republic of Kazakhstan;

3) copies of constituent documents of a non-resident bank of the Republic of Kazakhstan (notarized in case of failure to submit originals for verification);

4) information about the non-resident bank of the Republic of Kazakhstan in the form determined by the authorized body, including financial statements for the last two completed financial years (including consolidated if available), certified by an audit organization;

5) organizational structure of a branch of a non-resident bank of the Republic of Kazakhstan and information about the affiliates of a non-resident bank of the Republic of Kazakhstan;

6) a business plan of a branch of a non-resident bank of the Republic of Kazakhstan, approved by the official of a non-resident bank of the Republic of Kazakhstan or by a person authorized by a non-resident bank of the Republic of Kazakhstan to sign documents. The requirements to the content of the business plan shall be established by the authorized body, including the disclosure of the strategy of activity, directions and scope of activity, financial prospects (budget, statement of assets and liabilities, income statement and expenses for the first three financial (operational) years, marketing plan (customer formation of a branch of a non-resident bank of the Republic of Kazakhstan), plan to attract labor resources, organization of risk management;

7) excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication);

8) a document certifying that of a non-resident bank of the Republic of Kazakhstan has the minimum required rating of one of the rating agencies, the list of which is established by the regulatory legal act of the authorized body, on the day of submission of the application;

9) a written notification from the financial supervisory authority of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan, about the absence of objections to the opening of a branch of a non-resident bank of the Republic of Kazakhstan in the territory of the Republic of Kazakhstan, or a statement that according to the laws of the state of which the non-resident bank of the Republic of Kazakhstan is a resident, such a permit is not required;

10) a written confirmation of the financial supervisory authority of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, that of a non-resident bank of the Republic of Kazakhstan has a valid license to carry out banking activities;

11) a written confirmation of the financial supervisory body of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, that of a non-resident bank of the Republic of Kazakhstan has no violations of prudential standards and other mandatory norms and limits established by the legislation of the state, by a resident which is a non-resident bank of the Republic of Kazakhstan, within two years preceding the submission of the application;

12) a written obligation of a non-resident bank of the Republic of Kazakhstan on the unconditional and immediate fulfillment by this non-resident bank of the Republic of Kazakhstan of obligations related to the activities of its branch operating in the territory of the Republic of Kazakhstan, in cases of non-fulfillment and (or) improper fulfillment by the affiliate;

13) excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication);

14) a copy of the valid license of a non-resident bank of the Republic of Kazakhstan, issued by the financial supervisory authority of the state in which the non-resident bank of the Republic of Kazakhstan is a resident;

15) documents provided for by Article 6-2 of the Law of the Republic of Kazakhstan "On State Registration of Legal Entities and Record Registration of Branches and Representatives".

The authorized body shall be entitled to demand additional information or documents necessary for making the decision on issuance of a permission to to open a branch of a non-resident bank of the Republic of Kazakhstan.

An application for issuing permission to open a branch of a non-resident bank of the Republic of Kazakhstan may be withdrawn by a non-resident bank of the Republic of Kazakhstan at any time of its consideration by the authorized body.

The procedure for issuing a permission to open a branch of a non-resident bank of the Republic of Kazakhstan shall be determined by the regulatory legal act of the authorized body.

3. Refusal to issue the permission to open a branch of a non-resident bank of the Republic of Kazakhstan shall be made according to any of the following grounds:

1) failure to meet the requirements, established by paragraph 1 of this Article;

2) failure to meet the requirements, established by subparagraphs 8) and 11) of part one of paragraph 2 of this Article;

3) business plan and other submitted documents do not demonstrate that:

after the first three financial (operational) years, the activities of a branch of a non-resident bank of the Republic of Kazakhstan will be profitable;

the branch of a non-resident bank of the Republic of Kazakhstan intends to comply with risk management requirements and establish an appropriate governance structure;

the branch of a non-resident bank of the Republic of Kazakhstan has an organizational structure corresponding to its activity plans;

the branch of a non-resident bank of the Republic of Kazakhstan has an accounting and control structure corresponding to its activity plans;

4) inconsistency of the name of a branch of a non-resident bank of the Republic of Kazakhstan with the requirements of paragraph 2 of Article 4-1 of this Law;

5) failure to eliminate the comments of the authorized body on the submitted documents within the time period set by it.

The authorized body shall notify the non-resident bank of the Republic of Kazakhstan in writing about the grounds for refusal.

4. The issued permission to open of a branch of a non-resident bank of the Republic of Kazakhstan shall be considered canceled in cases:

1) making decision on voluntary termination of activities of a branch of a non-resident bank of the Republic of Kazakhstan by a non-resident bank of the Republic of Kazakhstan;

2) making a decision by the authorized body on revocation of a license for conducting banking and other operations of a branch of a non-resident bank of the Republic of Kazakhstan;

3) failure to pass record registration within two months from the date of issuance of a permission to open a branch of a non-resident bank of the Republic of Kazakhstan;

4) failure to obtain a license to conduct banking and other operations within one year from the date of issuance of permission to open a branch of a bank - non-resident of the Republic of Kazakhstan.

5. An application for issuing a permission to open a branch of a non-resident bank of the Republic of Kazakhstan shall be considered by the authorized body within sixty-five working days from the date of submission of the application.

Notification of issuance of permission to open of a branch of a non-resident bank of the Republic of Kazakhstan shall be sent to the non-resident bank of the Republic of Kazakhstan and to the Corporation.

The authorized body shall keep records of the issued permissions for opening of a branch of a non-resident bank of the Republic of Kazakhstan.

A permission for opening of a branch of a non-resident bank of the Republic of Kazakhstan shall have legal force until the authorized body makes a decision to issue a license to the branch of a non-resident bank of the Republic of Kazakhstan to conduct banking and other operations.

6. The record registration of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out by the Corporation based on the permission of the authorized body for opening of a branch of a non-resident bank of the Republic of Kazakhstan.

Footnote. Chapter 2 is added with Article 13-1 in accordance with the Law of the Repubic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force from 16.12.2020); amended by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 14. Constituent documents of a bank

1. A bank shall be established in the order, specified by the civil legislation of the Republic of Kazakhstan for legal entities, taking into account the specifications, established by the banking legislation of the Republic of Kazakhstan.

2. In addition to the information, defined by the acting legislation, the constituent documents on establishment of a bank shall contain:

the information about the founders, including the full name and address of each of them, as well as the data on their state registration (for legal entities), name, nationality, place of residence, and the data of the identification document (for individuals);

the information on the number, categories and the offering price of the shares.

3. In addition to the information, specified by the current legislation, the bank’s charter shall contain:

full and abbreviated name of the bank;

information on the types and the order of use of funds of the bank;

the procedure for taking decisions by the bank.

the information, provided for by Article 52-4 of this Law (for the Islamic Bank).

Footnote. Article 14 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 16.05.2003 No 416; dated 12.02.2009 No 133 -IV (the order of enforcement See Art. 2); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).

Article 15. The legal structure and the name of a bank

1. Banks shall be established in the form of joint stock companies.

1-1. The bank shall use the name, specified in its charter, as its name.

The name of the bank shall contain the word "bank" or its derivative word.

2. All banks, except for the National Bank of the Republic of Kazakhstan, are prohibited from using the words "national", "central" in their names in full or in abbreviated form in any language.

3. All banks shall be prohibited to use the word "state" in its name in full or abbreviated form in any language.

3-1. The name of an Islamic bank shall contain the phrase "Islamic bank".

4. It shall be prohibited to use the names that are identical or similar and may be mixed with the name of the previously established banks, including the banks - non-residents of the Republic of Kazakhstan, except for the subsidiary banks.

Subsidiary banks shall use the name of the parent banks in their name.

The requirement, provided by part two of this paragraph shall not apply to the subsidiaries, which have been restructured in accordance with this Law, as well as to the subsidiaries which carried out an operation provided by Article 61-4 of this Law.

Footnote. Article 15 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 27.04.2015 № 311-V (shall be enforced from 01.06.2014); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 16. The authorized and equity capital of a bank

1. The authorized capital of the bank shall be formed in the national currency of the Republic of Kazakhstan through the placement of shares, except for the cases established by paragraph 2 of this Article.

2. The bank's shares while allocation shall be paid exclusively in cash. This requirement shall not apply to the banks in the following cases:

1) offering of the bank’s shares to the creditors of the bank and their payment through the offset of any rights (claims) on a monetary obligation of the bank to the appropriate creditor, during the restructuring, in the cases, provided for in this Law and other Laws of the Republic of Kazakhstan;

1-1) conversion of securities and other monetary obligations of the bank into ordinary shares of the bank in case of application of measures on settlement of an insolvent bank on the basis and in the manner provided by Article 61-10 of this Law;

2) conversion of securities into shares of the bank on the basis of the prospectus of equity securities issue, convertible into the shares of the bank;

2-1) exchange of placed shares of the bank of one type for the shares of this bank of another type on the basis of the charter of the bank and its prospectus for the issue of shares;

3) payment of the bank’s shares during the reorganization, conducted in the order, established by the Law of the Republic of Kazakhstan "On Joint Stock Companies".

When allotting the shares the assessment shall not be required in the cases, provided for in this paragraph;

4) payment of shares of the bank by state securities of the Republic of Kazakhstan in the case provided by Article 17-2 of this Law.

3. In case of converting the securities into shares of the bank within the procedure of its restructuring and (or) as part of application of measures on settlement of an insolvent bank in the manner provided by Article 61-10 of this Law, the right of preemptive purchase shall not be granted to the shareholders of the bank upon placement of its shares through converting securities and (or) monetary obligations of the bank into its shares.

3-1. The bank shall have the right to issue preferred shares, the prospectus of which provides the right of the executive body of the bank not to accrue dividends on the preferred shares in case, if the accrual of dividends on shares reduces the prudential standards below the values, established by the regulatory legal act of the authorized body.

3-2. A bank, for whose financial stability and (or) recovery the funds of the state budget, the National Fund of the Republic of Kazakhstan, the National Bank of the Republic of Kazakhstan and (or) its subsidiaries are used, in the period starting from the decision to provide funds from the state budget, the National Fund of the Republic of Kazakhstan , the National Bank of the Republic of Kazakhstan and (or) its subsidiaries and until the bank fully meets its obligations on returning the funds received, shall distribute profits, accrue dividends on ordinary and (or) preferred shares and (or perpetual) financial instruments, and also repurchase its own shares subject to the conditions stipulated by the regulatory legal act of the authorized body.

4. The minimum amount of the authorized capital of a newly created bank must be paid by its founders in full within thirty calendar days after the state registration of the bank.

The minimum amount of the authorized capital of the bank created through voluntary reorganization of a microfinance organization in the form of conversion into a bank is formed at the expense of the authorized capital of the microfinance organization, taking into account compliance with the requirements of part one of paragraph 1 of Article 42 of this Law before applying for a license to conduct banking and other operations.

5. The method of calculation of equity capital and investments of the bank shall be defined by the authorized body.

If the amount of the bank's liabilities exceeds its assets, the bank's equity capital shall be negative.

6. When establishing a negative amount of own capital of the bank, the authorized body shall have the right to decide on compulsory redemption of shares of its shareholders and to immediately sell them to a new investor at the purchase price, on conditions guaranteeing an increase in the bank's capital and its normal functioning, taking into account the obligations undertaken by the investor.

Compulsory acquisition of the bank's shares by the authorized body shall be made at the price, determined by the value of the bank assets net of its liabilities as of the date of the decision making on compulsory redemption of the shares (the shares of the shareholders ) of the bank for their subsequent sale to a new investor. Selling of the repurchased shares of the bank shall be carried out by the authorized body immediately at their purchase price. Rights and obligations of owners of all compulsorily repurchased shares shall be transferred to the new investor.

In case of maturation of obligations for which the claims may be filed to the bank, but which were not filed before a decision making on compulsory redemption of the bank’s shares, such claims are deemed satisfied, except for the claims on deposits of individual and legal entities.

The order of compulsory repurchase of the shares of the bank and their mandatory subsequent sale to the investors shall be established by the authorized body.

Footnote. Article 16 as amended by the Law of the Republic of Kazakhstan dated 30.12.2009 No 234 -IV; as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 27.04.2015 № 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 30.12.2022 No. 177-VII (shall be enforced from the date of its first official publication).

Article 16-1. Subordinated debt

The conditions for assigning an unsecured obligation to the subordinated debt shall be simultaneous existence of the following conditions:

1) the term for which the unsecured obligation is issued or received shall be not less than five years;

2) the creditors may not file a claim for early repayment or performance of an unsecured obligation;

3) an unsecured obligation may be prematurely repaid or performed at the initiative of the bank, provided that this does not lead to a decrease in prudential standards below the values established by the regulatory legal act of the authorized body;

4) in case of liquidation of the bank, the unsecured obligation shall be satisfied in the tenth priority determined by Article 74-2 of this Law.

Footnote. Chapter 2 is supplemented by Article 16-1 in accordance with the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 16-2. Perpetual financial instruments

The conditions for classifying an unsecured obligation as perpetual financial instruments shall be the simultaneous existence of the following conditions:

1) the term for which the unsecured obligation is issued or received shall be not less than fifty years;

2) the creditors may not file a claim for early repayment or performance of an unsecured obligation;

4) in case of liquidation of the bank, the unsecured obligation shall be satisfied in the tenth priority determined by Article 74-2 of this Law after the subordinated debt claims.

Footnote. It is supplemented by Article 16-2 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 16-3. Peculiarities of issue and (or) placement of equity securities by the bank on the territory of a foreign state

1. A bank-resident of the Republic of Kazakhstan shall have the right to place equity securities on the territory of a foreign state subject to the condition established by paragraph 1 of Article 22-1 of the Law of the Republic of Kazakhstan "On the Securities Market".

2. When issuing and (or) placing debt securities on the territory of a foreign state, the bank – resident of the Republic of Kazakhstan the conditions of issuance of which provide granting a guarantee of the bank – resident of the Republic of Kazakhstan, in addition to the condition specified in paragraph 1 of Article 22-1 of the Law of the Republic of Kazakhstan "On the Securities Market", shall be obliged to comply with the following additional conditions:

1) the conditions for issuing debt securities contain provisions that the debt securities may be forcibly restructured in case of application by the authorized body of measures on settlement of an insolvent bank in the manner provided by this Law;

2) the conditions for issuing of debt securities contain provisions that the holders of debt securities do not have the right to demand early fulfillment of obligations to them in case of application to an insolvent bank of measures for its settlement provided by this Law.

3. The requirements of paragraphs 1 and 2 настоящей of Article of this Article shall not apply to a bank-resident of the Republic of Kazakhstan and (or) organization when issuing and (or) placement of equity securities by it, by the conditions of issuance of which, granting of guarantees of the bank– resident of the Republic of Kazakhstan is provided, in case of a forced restructuring of obligations of an insolvent bank–resident of the Republic of Kazakhstan in the manner provided by this Law.

4. The bank - resident of the Republic of Kazakhstan, which placed emission securities in the territory of a foreign state, shall notify the authorized body of the results of the placement of these securities in accordance with paragraph 2 of Article 22-1 of the Law of the Republic of Kazakhstan "On the Securities Market".

Footnote. It is supplemented by Article 16-3 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); as amended by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 17. Founders and shareholders of a bank

1. Legal entities and individuals - residents and non-residents of the Republic of Kazakhstan may be the founders and shareholders of a bank (taking into account the restrictions imposed by paragraph 5 of this Article and Article 18 of this Law).

2. The state may be a founder and shareholder of the bank only in the person of the Government of the Republic of Kazakhstan, except for the cases provided by this Article. State-owned enterprises and organizations, more than fifty percent of the participation stakes in the authorized capital or placed shares of which belong to the state, may not be the founders and shareholders of the bank, except for the national management holding, the organization specializing in improving the quality of loan portfolios of second-tier banks, and subsidiaries of the National Bank of the Republic of Kazakhstan.

The authorized body may be the sole founder of the stabilization bank in order to carry out operation on the transfer of assets and obligations of the bank provided by Article 61-12 of this Law.

3. (Is excluded - No 162 dated 2.03.01)

4. In order to protect the interests of creditors and ensure stability of the banking system of the Republic of Kazakhstan, in case if the measures, taken by the authorized body have not improved the financial condition of the bank:

1) in case of a single violation by the bank of capital adequacy ratio and (or) the liquidity ratio, or violation of other prudential standards and (or) other compulsory for observance norms and limits two and more times within twelve consecutive calendar months, the Government of the Republic of Kazakhstan on the proposal of the authorized body shall be entitled to make decision on acquisition by the Government of the Republic of Kazakhstan or national managing holding of the announced shares of the bank in the amount, necessary to improve its financial condition and the bank's compliance with prudential standards and (or) other mandatory standards and limits, in the manner prescribed by Article 17-2 of this Law;

2) if the bank has a negative amount of capital, the authorized body shall have the right to carry out compulsory redemption of the bank's shares with the condition of their obligatory subsequent immediate sale at the purchase price to a new investor, guaranteeing necessary improvement in the financial situation of the bank.

5. The legal entities, registered in the offshore zones, the list of which shall be established by the authorized body, may not directly or indirectly possess and (or) use and (or) dispose the voting shares of the banks - resident of the Republic of Kazakhstan.

This restriction shall not apply to the banks that are the subsidiaries of the banks - non-residents of the Republic of Kazakhstan, having the minimum required rating of one of the rating agencies.

The list of the rating agencies and the minimum required rating shall be defined by the authorized body

The requirements of this paragraph shall not apply to the cases of forced restructuring of the obligations of an insolvent bank in accordance with Article 61-10 of this Law.

5-1. A shareholder, participating in the general meeting of the shareholders, shall submit an application on implementation of the requirements of paragraph 5 of this Article by its shareholders (participants), in case if the information about the country of registration of such shareholders (participants) is not available in the bank.

A shareholder that has not submitted such application shall not be permitted to participate in the general meeting of the shareholders.

When revealing unreliability of the information, specified in the application, or revelation of violation of the requirement, specified in paragraph 5 of this Article:

1) in case if majority of the voting shares (without the voting shares of the shareholder, who submitted the application) voted for adoption of a decision, the decision of the general meeting of the shareholders shall be deemed adopted without including the votes of the shareholder;

2) in case if the vote of the shareholder, that submitted the application, was decisive, this fact shall be the ground for annulment of the decision of the general meeting of the shareholders at the request of the authorized body or other interested persons, in the order, established by the legislation of the Republic of Kazakhstan.

6. (Is excluded – dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107).

7. The persons, directly or indirectly owing the shares of the bank or influencing the decisions taken by the shareholder of the bank, except for the national holding company, at the request of the authorized body, shall be obliged to submit the constituent documents and other information, necessary to define the major participants of the bank and its financial condition.

Footnote. Article 17 as amended by the Decree of the President of the Republic of Kazakhstan shall be enforced, dated 27.01.1996 No 2830; the Laws of the Republic of Kazakhstan dated 07.12.1996 No 50; dated 11.07.1997 No 154; dated 29.06.1998 No 236; dated 10.07.1998 No 282; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 25.04.2001 No 179; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 08.07.2005 No 72 (the order of enforcement see Art. 2); dated 07.07.2006 No 178 (shall be enforced from the day of its official publication); dated 19.02.2007 No 230 (the order of enforcement see Art. 2); dated 23.10.2008 No 72 -IV (the order of enforcement see Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 13.02.2009 No 135 -IV (the order of enforcement see Art. 3); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 01.03.2011 No 414 -IV (shall be enforced from 01.01.2010); dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 17-1. A bank holding company and a major bank participant

1. No person alone or jointly with another (other) person (s) may (may not) directly or indirectly own, use and (or) dispose ten or more percent of the bank's placed (excluding preferred and redeemed by the bank) shares of the bank, as well as to have control or possibility to influence the decisions made by the bank in the amount of ten or more percent of the placed (excluding preferred and redeemed by the bank) of shares of the bank without obtaining the prior written consent of the authorized body. This requirement shall not apply to the state or the national managing holding, an organization, specializing in improving the quality of loan portfolios of second tier banks, subsidiaries of the National Bank of the Republic of Kazakhstan, the unified accumulative pension fund in case of owning by them of ten or more percent of the placed (excluding preferred and redeemed by the bank) shares of the bank at the expense of pension assets managing the investment portfolio in the case of possession, use and (or) disposal of ten or more percent of the placed (excluding preferred and redeemed by the bank) shares of the bank at the expense of pension assets, as well as in the cases provided by this Law.

Non-resident legal entities of the Republic of Kazakhstan may obtain the consent of the authorized body to acquire the status of a bank holding company or a major bank participant in the presence of the minimum required rating of one of the rating agencies. Minimum rating and the list of the rating agencies shall be established by the regulatory legal act of the authorized body.

The presence of this rating shall not be required for a nonresident legal entity of the Republic of Kazakhstan, planning to own indirectly ten or more percent of the allotted shares of the bank or vote indirectly by ten or more percent of the voting shares of the bank through the ownership (voting) of the shares (ownership interest) in the non-resident legal entity of the Republic of Kazakhstan, which is the major participant of the bank, directly owning ten or more percent of the allotted shares or having the opportunity to vote by ten or more percent of the voting shares of the bank, which has the minimum required rating.

Major participants of the bank – individuals shall pay for the shares of the bank in an amount not exceeding the value of the property owned by them on the right of ownership. In this case, the value of the property (excluding the value of previously acquired shares of the bank) should not be less than the total value of previously acquired and being acquired shares of the bank.

1-1. A financial institution - nonresident of the Republic of Kazakhstan, subject to the consolidated supervision in the country of its location, shall be entitled to be a bank holding company - non-resident of the Republic of Kazakhstan, directly owning twenty-five or more percent of the allotted shares (net of the preferred and those, repurchased by the bank) of the bank or having the opportunity to vote directly by twenty-five or more percent of the voting shares of the bank.

2. The rules for issuance, revocation of the consent for obtaining the status of a major participant of a bank or a bank holding company, the requirements to the documents, submitted to obtain the consent, shall be defined by the authorized body.

2-1. The requirements for obtaining the status of a bank holding company or a major participant of the bank shall not apply to the non-resident legal entity of the Republic of Kazakhstan indirectly owning(having the opportunity to vote, make decisions and (or) influencing the decisions made under a contract or otherwise) the shares of the bank through the ownership of the shares (the possibility to vote, make decisions and (or) influence the decisions made under a contract or otherwise) of another financial institution - non-resident of the Republic of Kazakhstan, which is subject to the consolidated supervision in the country of its location and has the status of a major participant (a bank holding company) of the bank.

Requirements on receipt of status of banking holding or big participant of bank shall not apply to the cases of the bank’s acquisition of shares of another bank, upon their reorganization in the form of affiliation in the manner, determined by the legislation of the Republic of Kazakhstan, if one of the reorganized banks is the bank, in relation of which the restructurisation was conducted in accordance with this Law.

2-2. In order to obtain the consent for acquisition of the status of a bank holding company or a major participant of the bank, a fee shall be paid, the amount and procedure of payment of which shall be determined by the tax legislation of the Republic of Kazakhstan.

3. To obtain consent, a person wishing to become a major participant in a bank is obliged to submit to the authorized body an application for acquiring the status of a major participant in a bank, containing information established by a regulatory legal act of the authorized body, including information on the conditions and procedure for acquiring bank shares, including earlier acquired, as well as a description of the sources and means used to acquire shares, with the attachment of documents and information specified in paragraphs 4, 4-1, 5, 6, 7 and 7-1 of this article.

4. In order to obtain the consent for acquisition of the status of a major participant of the bank, the individual shall submit the following documents:

1) copies of documents confirming the conditions and procedure for acquiring shares, as well as sources and means used to acquire shares.

The source, used for the purchase of the bank’s shares shall be:

the income, received from business, labor or other paid activity;

monetary documented savings of the applicant.

In addition to the sources, listed in the second part of this subparagraph, the money, received as a gift, winnings, income from selling the gratuitously received property, in an amount not exceeding twenty-five percent of the value of the purchased shares, may be used for the purchase of shares of the bank.

When purchasing the shares of the bank at the expense of the property, received as a gift, the applicant shall submit information about the grantor, and the source of origin of such property of the grantor;

2) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

3) information on legal entities in which it is a major participant, in the form established by the regulatory legal act of the authorized body. If the applicant is a shareholder (participant) of a legal entity - non - resident of the Republic of Kazakhstan, additionally notarized copies of constituent documents of the legal entity - non - resident of the Republic of Kazakhstan shall be submitted ;

3-1) the bank’s recapitalization plan in case of a possible worsening of its financial condition;

3-2) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

3-3) information on income and property, information on the outstanding debt for all obligations of the applicant in accordance with the form established by the regulatory legal act of the authorized body, and for an individual – the resident of the Republic of Kazakhstan, in addition, a copy of declaration on assets and liabilities notarized or certified by the state revenue body, submitted in accordance with the tax legislation of the Republic of Kazakhstan – within thirty calendar days prior to the date of submission to the authorized body of an application for obtaining a status of a major bank participant and a copy of the declaration of income and property, notarized or certified by the state revenue authority, submitted in the manner and within the time limits established by the tax legislation of the Republic of Kazakhstan.

The information in the declaration of assets and liabilities shall be inficated as of the first day of the month of submitting the declaration of assets and liabilities.

The specified information shall be accompanied by supporting documents sufficient to analyze the financial situation of the applicant;

4) information about the applicant in the form prescribed by the regulatory legal acts of the authorized body, including information about education, labor activity, impeccable business reputation. Non-resident individuals, in confirmation of their impeccable business reputation, submit a document confirming the absence of an unexpunged or outstanding conviction issued by the relevant state body of the country of their citizenship, and stateless persons - their country of permanent residence (the date of issue of the specified document cannot be more than three months preceding the date filing an application);

5) a written confirmation of the relevant state body of the country of residence of an individual - non-resident of the Republic of Kazakhstan that the acquisition of the shares of a bank-resident of the Republic of Kazakhstan is permitted by the national legislation of the country or a statement of the authorized body of the country that such permission of the country of the specified founder is not required under the legislation;

6) a document confirming payment of the fee for the issue of consent, except for cases of payment through the payment gateway of "electronic government".

4-1. In the event that an individual or legal entity began to meet the characteristics of a major participant in a bank without obtaining the prior written consent of the authorized body on the basis of a donation agreement or a trust management agreement, upon submission of an application for acquiring the relevant status in accordance with the requirement established by paragraph 16 of this article, additionally presented:

1) copies of documents confirming the conditions and procedure for donating bank shares or trust management of bank shares;

2) the documents provided for in subparagraphs 3), 3-1), 3-3), 4), 5) and 6) of paragraph 4 of this article;

3) information on the value of shares that are the subject of a donation agreement or trust management agreement , determined by the appraiser in accordance with the legislation of the Republic of Kazakhstan, with copies of supporting documents attached.

To obtain consent to acquire the status of a major participant in the bank, an additional individual or legal entity who has acquired the bank's shares as a result of a donation agreement, the following conditions are met as of the date of submission of an application for acquiring the status of a major bank participant:

1) the value of the property (excluding the value of previously acquired shares of the bank) owned by an individual on the right of ownership shall not be less than the total value of the shares that are the subject of the gift agreement and the shares of the bank previously acquired by it;

2) income, received from entrepreneurial, labor or other paid activity of an individual, as well as his/her monetary savings, confirmed by the documents, make up not less than seventy-five percent of the value of donated shares of the bank, determined by the appraiser.

5. To obtain consent to acquire the status of a major participant in the bank, a legal entity-resident of the Republic of Kazakhstan shall submit the following documents:

1) a copy of the decision of the relevant body of the applicant on the acquisition of the bank's shares (in the absence of a decision on the Internet resource of the financial reporting depository or the possibility of receiving it by the authorized body through the web portal of "electronic government").

If the applicant is a bank that acquires the status of a major participant in the bank that has carried out the operation provided for in Articles 61-4 and 61-11 of this Law, or a non-resident financial institution of the Republic of Kazakhstan, then a copy of the decision of the applicant's management body on the acquisition of bank shares is submitted;

1-1) information and supporting documents on persons (independently or jointly with other persons) owning, directly or indirectly, ten or more percent of the shares (stakes in the authorized capital) of a legal entity, as well as having the ability to determine the decisions of this legal entity by virtue of an agreement either otherwise or have control;

1-2) a list of the applicant's affiliates (in the absence of a list on the Internet resource of the financial reporting depository or the possibility of obtaining it by the authorized body through the web portal of "electronic government");

2) information and documents specified in subparagraphs 1), 3), 3-1) and 6) of paragraph 4 of this article;

2-1) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

3) notarized copies of constituent documents if they are not available on the Internet resource of the financial reporting depository or if it is possible to receive them by the authorized body through the web portal of "electronic government";

4) brief data on the applicant's top executives in the form provided for by the regulatory legal acts of the authorized body, including information about education, labor activity, impeccable business reputation. Non-resident individuals, in confirmation of their impeccable business reputation, submit a document confirming the absence of an unexpunged or outstanding conviction issued by the relevant state body of the country of their citizenship, and stateless persons - their country of permanent residence (the date of issue of the specified document cannot be more than three months preceding the date filing an application);

5) annual financial statements for the last two completed financial years, certified by an auditing organization, as well as financial statements for the last completed quarter before the submission of the corresponding application.

Annual financial statements are not submitted if these statements are posted on the Internet resource of the financial statements depository or if it is possible to receive it by the authorized body through the “electronic government” web portal;

6) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication).

6. In order to obtain the consent for acquiring the status of a major participant of the bank, a nonresident legal entity of the Republic of Kazakhstan shall submit the following documents:

1) information and documents specified in subparagraphs 1), 3), 3-1) and 6) of paragraph 4 and subparagraphs 1), 1-1), 1-2), 3), 4) and 5) of paragraph 5 of this articles;

2) the information about the credit rating of the legal entity that is assigned by one of the international rating agencies, the list of which shall be established by the authorized body, except for the cases, provided for in paragraph 1 of this Article;

3) a list of legal entities in which the applicant is a major participant, and notarized copies of their constituent documents, as well as notarized copies of the applicant's constituent documents.

In order to obtain the consent for acquiring the status of a major participant of the bank, a financial institution -non-resident of the Republic of Kazakhstan, in addition to the documents, referred to in this paragraph, shall submit a written confirmation from the Financial Supervisory Authority of the country of location of the applicant that the applicant is authorized to perform financial activities under the Laws of that country, or a statement of the financial supervisory body of the country of location of the applicant that such permission is not required in compliance with the legislation of this country.

6-1. The requirements of subparagraph 3) of paragraph 6 of this article regarding the provision by the applicant of notarized copies of constituent documents do not apply to a legal entity that is a non - resident of the Republic of Kazakhstan if one of the conditions is met:

1) a legal entity - non–resident of the Republic of Kazakhstan has a credit rating not lower than A of one of the rating agencies, the list of which shall be established by the authorized body;

2) availability of information on legal entities (participation stake, types of statutory activities) in which the applicant is a major participant, and the major participants of the applicant, as well as information on the financial state of the applicant on the Internet resource of the supervisory authority of the applicant's country of residence.

7. In order to obtain permission to acquire the status of a bank holding, a financial institution -non-resident of the Republic of Kazakhstan shall submit the following documents:

1) the information and documents referred to in paragraph 6 of this Article;

1-1) a written confirmation from the Financial Supervisory Authority of the country of location of the applicant that the financial institution – non- resident of the Republic of Kazakhstan shall be subject to the consolidated supervision;

1-2) a written permission (consent) of the Financial Supervision Authority of the country of the location of the applicant for acquiring by a financial institution - non-resident of the Republic of Kazakhstan of the status of a bank holding company or a statement of the authorized body of the relevant country that such permission (consent) is not required in accordance with the legislation of the country;

2) a written confirmation from the Financial Supervisory Authority of the country of origin of the applicant that the applicant is authorized to perform financial activities under the legislation of this country, or a statement of financial supervisory body of the country of origin of the applicant that such permission is not required in accordance with the legislation of this country.

7-1. The individuals, wishing to acquire the status of a major participant of the bank with the ownership interest of twenty-five or more percent (net of the preferred and those, repurchased by the bank) of the allotted shares, as well as the legal entities, wishing to acquire the status of a bank holding company, in addition to the documents and information, referred to in this Article, are to submit a business plan, the requirements for which are established by the authorized body, for the next five years.

8. The persons, that are jointly a major participant of the bank, shall be recognized the persons in total owning ten or more percent of the allotted shares (net of the preferred and those, repurchased by the bank), or having the opportunity to vote directly or indirectly by ten or more percent of the shares of the bank and:

1) jointly influencing the bank's decision under an agreement between them or otherwise;

2) being the major participants of each other separately or mutually;

3) one of them is an official or a representative of another person;

4) one of them provided an opportunity to another person to purchase the bank’s shares in accordance with the contract, concluded between them;

5) are close relatives or spouses;

6) one of them provided an opportunity to another person to purchase the bank’s shares at the expense of the granted money or gratuitously received property.

9. The grounds for refusal in issuance the consent by the authorized body to the persons wishing to become a major participant of the bank or a bank holding company shall be:

non-compliance with the requirements of subparagraphs 3), 4), 5) and 6) of paragraph 3 of Article 20 of this Law (in respect of an individual or executives of the applicant-legal entity);

unsustainable financial situation of the applicant;

non-elimination of the comments of the authorized body on the submitted documents;

violation of the requirements of the legislation of the Republic of Kazakhstan in the field of competition protection as a result of acquisition by the applicant of the status of the major participant of the bank or the bank holding company;

cases when in the transaction on acquisition of the status of the major participant of the bank or the bank holding company, the acquiring party is the legal entity (its large participant (large shareholder) registered in offshore zones which list shall be established by the authorized body;

non-compliance by the applicant with other requirements established by legislative acts of the Republic of Kazakhstan to major participants of the bank and bank holding companies;

analysis of financial consequences of acquisition by the applicant of the status of a major participant of the bank or bank holding company assumes deterioration of financial state of the bank;

lack of powers to carry out financial activities under the legislation of the country of origin at the applicant-a non-resident financial organization of the Republic of Kazakhstan;

lack of the minimum required rating of one of the international rating agencies, the list of which is determined by the authorized body except for cases provided by paragraph 1 of this Article at the applicant-legal entity- non-resident of the Republic of Kazakhstan or its parent organization, except for the cases, provided for by paragraph 1 of this Article;

inefficiency of the presented recapitalization plan of the bank in case of possible deterioration of financial state of the bank;

lack of impeccable business reputation at the applicant - an individual, at an executive employee of the applicant - a legal entity;

cases when a person has previously been or is a major participant-an individual or the first head of a major participant - a legal entity and (or) a senior employee of a financial organization, including the financial organization – non-resident of the Republic of Kazakhstan, for a period of not more than one year before adoption by the authorized body or a body of financial supervision of the state, the resident of which is the financial organization – non-resident of the Republic of Kazakhstan, of a decision on classification of a bank as insolvent banks, or the forced redemption of its shares, deprivation of a license from a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, entailed their liquidation and the termination of the implementation of activities in the financial market, or the entry into force of the court’s decision on the compulsory liquidation of a financial organization, including the number of a financial organization - non-resident of the Republic of Kazakhstan or recognition by bankrupt in accordance with the procedure, established by the legislation of the Republic of Kazakhstan or the legislation of the state, the resident of which is a financial organization - non-resident of the Republic of Kazakhstan. The specified requirement shall be applied within five years after the adoption by the authorized body or the body of financial supervision of the state, the resident of which is the financial organization - non-resident of the Republic of Kazakhstan, the decision to classify the bank as insolvent banks or forced redemption of its shares, deprivation of the license of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan that entailed their liquidation and the termination of activities in the financial market or entry into legal force of the court decision on the enforcement liquidation of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, or recognition of it bankrupt in accordance with the procedure established by the legislation of the Republic of Kazakhstan or the legislation of the state, the resident of which is the financial organization - non-resident of the Republic of Kazakhstan. For the purposes of this paragraph, a financial organization shall also be understood as a branch of the bank - non-resident of the Republic of Kazakhstan, a branch of the insurance (reinsurance) organization - non-resident of the Republic of Kazakhstan, a branch of the insurance broker - non-resident of the Republic of Kazakhstan;

non-compliance of the legislation in the field of consolidated supervision over financial organizations of the country of location of the applicant-legal entity with the requirements for consolidated supervision established by the legislative acts of the Republic of Kazakhstan;

for large participants-legal entities and banking holdings, which are financial organizations, - non-residents of the Republic of Kazakhstan are the lack of an agreement between the authorized body and financial supervision of the state, the resident of which is the applicant, which provides for the exchange of information;

cases when the applicant-financial organization is not subject to supervision on a consolidated basis in the country of its location;

impossibility of consolidated supervision over banking conglomerate due to the fact that the legislation of the countries of location of participants of the banking conglomerate – non-residents of the Republic of Kazakhstan makes it impossible to execute by them and by the banking conglomerate of requirements, provided by the laws of the Republic of Kazakhstan;

availability of grounds for refusal to issue a permit to open a bank.

If a person wishing to acquire the status of a bank holding company creates or acquires a subsidiary financial organization or acquires a significant participation in the capital of a financial organization, the grounds for refusal provided in paragraph 6 of Article 11-1 of this Law shall be taken into account when considering the documents, submitted by the authorized body. If there are grounds for refusal to issue permission for creation (acquisition) a subsidiary, a significant participation in the in the authorized capital of organizations, the authorized body shall refuse to issue a consent for acquisition of the status of a bank holding company or a major participant of a bank.

10. A sign of unstable financial situation of the applicant shall be the presence of one of the following conditions:

a legal entity-applicant was created less than two years prior to the date of filing an application;

an applicant's obligations exceed its assets minus the amount of assets placed in shares and participation stakes in the authorized capital of other legal entities, and expected to acquire shares of the bank;

losses on the results of each of the two completed financial years;

the amount of the applicant's obligations poses a significant risk to the financial condition of the bank;

availability of overdue and (or) related to the balance of the bank of the applicant’s debt before the bank;

analysis of financial consequences of acquisition by the applicant of the status of a major participant of the bank assumes deterioration of financial state of the applicant;

the value of the applicant's property (minus the applicant's obligations) is not sufficient to purchase shares of the bank;

other grounds indicating the presence of an unstable financial situation of the applicant and (or) the possibility of causing damage to the bank and (or) its depositors.

11. Upon acquisition by a person of the characteristics of a major participant of a bank or a bank holding company without the written consent of the authorized body, the authorized body shall have the right to apply to this individual the measures of supervisory response provided by this Law, including coercive measures provided by Article 47-1 of this Law in terms of requirements for realization of the bank shares within a period not exceeding six months.

12. Issuance of the consent of the authorized body to the persons wishing to become a bank holding company, shall be carried out under the conditions and in the order, specified for a major participant of the bank.

A person wishing to become a bank holding company must ensure that the requirements established by the authorized body are met in terms of the availability of risk management and internal control systems, including with respect to risks associated with the activities of a subsidiary.

12-1. The shareholders who collectively own ten or more percent of the allotted shares (net of the preferred and those, repurchased by the bank), or of the voting shares of the bank and acting on the basis of an agreement, concluded between them, providing for making their decisions on the following issues, shall not be the major participants of a bank, bank holding companies:

1) the convening of an extraordinary general meeting of the shareholders or the appeal to the court to convene it in case if the board of directors refused to convene a general meeting of the shareholders;

2) inclusion of additional items on the agenda of the general meeting of the shareholders;

3) convenience of the meeting of the board of directors;

4) conducting of an audit of the bank by the audit organization at the bank's own expense.

13. The entities, jointly being a bank holding company, are those, in total owning twenty-five or more percent of the allotted shares (net of the preferred and those, repurchased by the bank), or having the ability to vote directly or indirectly by twenty-five or more percent of the shares of the bank and:

1) jointly influencing the bank's decision under the agreement between them or otherwise;

2) separately or mutually being the major participants of each other;

3) one of them is a representative of another person;

4) one of them granted the ability to purchase shares to another person in accordance with the contracts, concluded between them.

14. A decision on an application submitted to obtain the status of a bank holding company or a major participant in a bank in accordance with the requirements of this article must be made by the authorized body within fifty working days after the application is submitted.

An application for granting the status of a major participant in a bank or bank holding company, submitted as part of obtaining a permit to open a bank, is considered by the authorized body within the time limits established for considering an application for issuing a permit to open a bank.

The authorized body shall notify the applicant in a written form about the results of its decision, at that, in the case of refusal to grant consent for purchase of the corresponding status, the grounds for refusal are given in the written notice.

An application for the issuance of a large participant in a bank or bank holding, submitted as part of a permit for voluntary reorganization of a microfinance organization in the form of conversion to the bank, shall be considered by the authorized body within the time periods established for consideration of the application for voluntary reorganization of the microfinance organization in the form of converting into the bank.

The authorized body, when issuing consent to a person for acquisition of the status of a bank holding company, simultaneously shall issue a permit for a significant participation in the capital of the bank or creation (acquisition) of a subsidiary bank.

15. The authorized body shall have the right to revoke the consent issued in accordance with this Article, having taken the decision on its cancellation within two months from the date of detection of the fact that is the basis for withdrawal of the consent, in case of revealing inaccurate information, based on which the consent was issued, or violation as a result of purchase by the applicant of the status of a major participant or a bank holding company of requirements of the legislation of the Republic of Kazakhstan in the field of competition protection or non-compliance with the requirements of the laws of the Republic of Kazakhstan by major participants or bank holding company. In this case, the person to whom such measure is applied shall be obliged within six months, to reduce the number of shares of the bank belonging to him/her to the level below the level established by this Article.

The person, from whom the consent, issued in accordance with this Article, was revoked, shall not be entitled to transfer the bank's shares to the trust management to the third party.

In the case of non-compliance of the persons, in respect of which the authorized body made a decision to revoke the relevant consent, with the requirements of this paragraph, the authorized body shall be entitled to apply to the court for fulfillment of the requirements of the authorized body by those persons.

16. If the person meets the requirements of a bank holding company, a major participant of the bank without the prior written consent of the authorized body, it shall not be entitled to take any actions, aimed at influencing the management or the policy of the bank, and (or) to vote on such shares until it receives a written consent from the authorized body in accordance with the provisions of this Article.

In this case, the person, meeting the characteristics of a bank holding company, a major participant of the bank, shall be obliged to notify the authorized body within ten calendar days from the moment when it became aware that it meets the characteristics of a bank holding company, a major participant of the bank.

An application on acquisition of the corresponding status shall be submitted to the authorized body within thirty calendar days from the moment when it became aware that it meets the characteristics of a bank holding company, a major participant of the bank, unless that person is planning to dispose the shares within the specified period. Information about the decision on alienation of the shares shall be submitted to the authorized body immediately from the date of the decision making.

If the authorized body refuses to issue a consent to the person corresponding to the characteristics of a bank holding company, a major participant of the bank, the specified person shall be obliged within six months from the date of receipt of the written notification to reduce the number of shares of the bank belonging to him/her to the level below the level established by this Article.

17. The authorized body shall be entitled to request information from the individuals and legal entities in the presence of the data, confirming that the entity meets the characteristics of a bank holding company or a major participant of the bank or the direct, indirect shareholder of the bank, or, on the basis of an agreement or otherwise, has the opportunity to vote by the shares of the bank in the amount equal or exceeding the limits, set by this Article, without the consent of the authorized body in accordance with the requirements of this Law. Information may be claimed from any entity which has it, as well as from organizations, controlled by these entities.

18. A major participant of the bank, bank holding company shall be obliged, within thirty calendar days from the date of taking the decision, to notify the authorized body about the change in percentage ratio of the number of owned bank shares to the number of placed (excluding privileged and repurchased by the bank) shares and (or) to the number of voting shares that it owns directly or indirectly or has the power to vote, directly or indirectly, with presentation of confirming documents, except for cases, when such a change occurs as a result of redemption of own shares by the bank or bank holding company from other shareholders.

If the number of the bank’s shares has changed (in percentage or in absolute value), owned by a major participant of the bank, bank holding company, to the number of the allotted shares (net of the preferred and those, repurchased by the bank) and (or) to the number of voting shares of the bank in the upwards direction, the major participant of the bank, bank holding company shall submit information to the authorized body on the sources of funds, used to purchase the bank’s shares, with the copies of supporting documents attached. The sources of funds, used for the acquisition of the bank’s shares by major participants – individuals, shall be defined in subparagraph 1) of paragraph 4 of this Article.

In the event of a change in the percentage of the number of bank shares to less than ten or twenty-five percent owned by a major participant in the bank, a bank holding company, to the number of outstanding (minus preferred and repurchased by the bank) shares and (or) to the number of voting shares of the bank at the request of a major participant a bank, a bank holding company, or in the case of an independent discovery by the authorized body of facts that are the basis for cancellation of the issued consent, the previously issued written consent of the authorized body is considered canceled from the day following the day the authorized body receives the said application or the authorized body finds facts that are grounds for canceling the issued consent .

In case of increasing the number of shares owned by him/her to twenty-five percent or more of the placed (excluding preferred and repurchased by the bank) shares of the bank, a major participant of the bank, who is an individual, in addition to the documents and terms specified in this paragraph, shall submit a business plan, the requirements to which are established by the authorized body, for the next five years.

19. Quarterly, no later than the tenth day of the month following the reporting quarter, a bank and a bank holding company shall submit to the authorized body the list of all of its major participants or bank holding companies (for banks) with the amount of their allotted shares (excluding the preferred shares and the repurchased) or the ownership interest in the authorized capital of the bank or the bank holding company, as well as their percentage.

20. Banks shall be required to inform the authorized body of the changes made to the composition of the shareholders, owning ten or more percent of the voting and (or) the allotted (net of the preferred and those, repurchased by the bank) bank's shares, within fifteen calendar days from the date of revelation of this fact by them.

21. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).
Footnote. Article 17-1 is in the wording by the Law of the Republic of Kazakhstan dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); as amended by the Laws of the Republic of Kazakhstan dated 19 February, 2007 No 230 (the order of enforcement see Article 2); dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated01.03.2011 No 414 -IV (shall be enforced from 01.01.2010); dated 28.12.2011 No 524 - IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 19.03.2014 No 179 -V (shall be enforced from the date after its first official publication.); dated 27.04.2015 № 311-V (shall be enforced from 01.01.2014); dated 29.10.2015 № 376-V (shall be enforced from 01.01.2016); dated 18.11.2015 No. 412-V (shall come into force from 01.01.2021);dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 25.12.2017 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 168-VI (the order of enforcement see Art. 2); dated November 25, 2019 No. 272-VI (the order of enforcement see Art. 3); dated 03.07.2020 No. 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 No. 177-VII (shall be enforced from the date of its first official publication).

Article 17-2. Particularities of purchasing the authorized shares of the bank by the Government of the Republic of Kazakhstan

1. In the case provided by subparagraph 1) of paragraph 4 of Article 17 of this Law, on the proposal of the authorized body, the Government of the Republic of Kazakhstan shall consider the possibility of acquisition by the Government of the Republic of Kazakhstan or national managing holding of the authorized shares of the bank in the amount of not less than ten percent from the total number of the placed shares, including the shares purchased by the Government or the national managing holding.

After considering the proposal of the authorized body about the possibility of acquisition by the Government of the Republic of Kazakhstan or national managing holding of the authorized shares of the bank in the amount of not less than ten percent from the total number of the placed shares, the government of the Republic of Kazakhstan shall take the decision to purchase or refuse to purchase the shares of the bank.

The right of the state ownership to the bank's shares shall be registered for the state body, authorized by the Government of the Republic of Kazakhstan for disposal of the republican state property.

2. The decision of the Government of the Republic of Kazakhstan to acquire the bank’s shares shall contain:

the number of the shares by which the total number of the authorized shares of the bank is increased, in case of absence of the authorized unallocated or repurchased shares of the bank or in insufficiency of their number;

the offering price (sale) and the number of the compulsorily allotted (sold) shares.

3. The offering price (sale) and the number of the compulsorily allotted (sold) shares shall be defined by the decision of the Government of the Republic of Kazakhstan on the basis of the conclusion of the authorized body, made in coordination with the national management holding company or state body, authorized by the Government of the Republic of Kazakhstan for disposal of the republican state property, at the market price as of the date of the decision making on allotment (sale) of the shares.

At the initiative of the state body, authorized by the Government of the Republic of Kazakhstan for disposal of the republican state property, or the national holding company, the offering price of the shares may be determined by an appraiser in accordance with the legislation of the Republic of Kazakhstan.

In the case of determining the offering price of the shares by the appraiser, the costs associated with the assessment, shall be covered by the bank.

4. Within three working days from the date of the decision making by the Government of the Republic of Kazakhstan on acquisition and on increase of the authorized shares of the bank, the authorized body shall:

1) make changes to the share issue prospectus in the order and under the conditions provided for by the legislation of the Republic of Kazakhstan;

2) carry out the state registration of amendments and changes, made to the prospectus;

3) send the certificate of state registration on the issue of shares to the bank and notify the central securities depository about the increase in the number of the authorized shares.

The bank shall be obliged to return the original of previously issued certificate of state registration of the shares issue within five calendar days after the date of receipt of the certificate of state registration of the shares issue.

5. After acquiring the shares of the bank, the state body, authorized by the Government of the Republic of Kazakhstan for disposal of the republican state property, or the national management holding company, shall appoint the members of the executive body and (or) the governing body of the bank in the amount of not more than thirty percent of their total number to represent the interests of the state or the national management holding company.

The state body, authorized by the Government of the Republic of Kazakhstan for disposal of the republican state property or the national management holding company shall convene an extraordinary general meeting of the shareholders of the bank to consider the change of officials or employees of the bank, the bank's asset optimization, increase of the authorized capital and other issues, according to the procedure, provided by the legislation of the Republic of Kazakhstan.

5-1. Since the acquisition of the bank’s authorized shares by the Government of the Republic of Kazakhstan or the national management holding, the decisions on the subsidiaries of the bank shall be taken by the Board of Directors of the bank.

6. In case of improving the financial condition of the bank, which led to fulfillment of the prudential standards by it and (or) other mandatory standards and limits, the Government of the Republic of Kazakhstan shall take the measures on selling the bank’s shares, acquired in accordance with this Article through direct targeted sales or through the trading at a stock exchange.

The selling of the bank's shares, acquired in accordance with this Article, shall be carried out in the order and within the timeframes, established by the Government of the Republic of Kazakhstan.

7. The increase in the number of the authorized shares, the purchase of the bank’s authorized shares by the Government of the Republic of Kazakhstan or the national management holding company, and the appointment of the members of the executive body and (or) the governing body of the bank pursuant to this Article shall be implemented without the decision-making of the bodies of the bank.

The shareholders shall not have the right of pre-emption for the authorized shares of the bank, allotted (sold) in accordance with paragraph 1 of this Article.

Footnote. Chapter 2 is supplemented by Article 17-2, in accordance with the Law of the Republic of Kazakhstan dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 166-VI (the order of enforcement see Art. 2); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019);

Article 18. Particularities of establishing subsidiary banks by the banks - non-residents of the Republic of Kazakhstan

1. A parent bank in relation to the subsidiary bank may be the banks - non-residents of the Republic of Kazakhstan, with a relevant rating of one of the rating agencies. The list of the rating agencies and the minimum required rating shall be established by the authorized body.

2. (The paragraph is excluded by the Law of the Republic of Kazakhstan dated 10 July 2003 No 483 (shall be enforced from 1 January 2004).
Footnote. Article 18 is amended by the Laws of the Republic of Kazakhstan,dated 11 July, 1997 No 154; dated 16 July, 1999 No 436; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.)

Article 19. Application on issuance of a permit to open a bank

1. An individual or legal entity may apply to the authorized body with the application on issuance of a permit to open a bank.

2. The application shall be submitted in the Kazakh and Russian languages, and shall contain the address of the applicant.

3. The following documents must be attached to the application for issuance of a permit to open a bank, submitted in the form established by the regulatory legal act of the authorized body:

1) a copy of the minutes of the constituent assembly, certified by a notary and executed in the manner prescribed by the legislation of the Republic of Kazakhstan;

2) information about the founders - individuals and legal entities with a share in the authorized capital of the bank of less than ten percent (according to the list determined by the authorized body), including the financial statements of the founder - a legal entity for the last two completed financial years (including consolidated, if any), certified by an auditing organization.

Financial statements are not submitted if these statements are available on the Internet resource of the financial statements depository or if it is possible to receive it by the authorized body through the “electronic government” web portal;

3) documents and information in the manner prescribed by Article 11-1 of this Law;

4) documents and information in the manner prescribed by Article 17-1 of this Law, if it is necessary for the applicant to obtain the status of a major participant in a bank or bank holding company, with the exception of an application and a business plan provided for in Article 17-1 of this Law;

5) copies of documents confirming the conditions and procedure for the acquisition of shares, as well as sources and means used to acquire shares. The source used to acquire the bank's shares are the funds specified in subparagraph 1) of paragraph 4 of Article 17-1 of this Law;

6) the business plan of the newly created bank, approved by the person authorized by the founders to sign the documents. Requirements for the content of the business plan are established by the authorized body, including the disclosure of the detailed structure of the bank to be opened, the strategy of activity, directions and scope of activity, financial prospects (budget, balance sheet, profit and loss account for the first three financial (operating) years, marketing plan (formation bank clientele), a plan for attracting labor resources, organizing risk management;

7) excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication);
8) excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication);

9) copies of constituent documents (constituent agreement, charter) issued in accordance with the procedure, prescribed by the legislation of the Republic of Kazakhstan (notarized in case of failure to submit originals for reconciliation);

10) excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

4. A report of the audit organization shall be valid provided that the following documents are submitted, confirming that it:

independent from the shareholders of the audited banks and their officials;

is authorized to perform audits in accordance with the license and qualification requirements for mandatory audit of financial institutions of the authorized state body, exercising the state regulation in the auditing area and supervising the auditing and the professional auditing organizations, or in accordance with the license to perform audits of the authorized state body, the resident of which it is.

5. The authorized body may request additional information or documents necessary for decision making on issuance of a permission to open a bank.

6. Application for issuance of a permission to open a bank may be revoked by the applicant at any time of its consideration by the authorized body.

Footnote. Article 19 is amended by the Laws of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January, 2004); dated 8 July, 2005 No 72 (the order of enforcement see Article 2); dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 5 May, 2006 No 139 (the order of enforcement see Article 2 of the Law No 139 ); dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated 20.11.2008 No 88 -IV (the order of enforcement see Article 2); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 20. Requirements for the executive employees of the bank and a bank holding company

1. The head and members of the management body, the head of the executive body, his deputy and members of the executive body, other bank managers, who carry out coordination and (or) control over the activities of the structural divisions of the bank and have the right to sign documents, on the basis of which banking operations, chief accountant, deputy chief accountant shall be recognized as executive employees.

The first managers of the separate divisions of the bank and their chief accountants, as well as persons with the right to sign documents, on the basis of which banking operations are carried out and who carry out the control over the activities of only one structural unit shall not be the executive employees of the bank.

1-1. The head and his deputies, other heads of the branch of the bank - non-resident of the Republic of Kazakhstan, who coordinate and (or) control the activities of the structural units of the bank branch - non-resident of the Republic of Kazakhstan and have the right to sign documents on the basis of which banking operations, chief accountant, deputy chief accountant shall be recognized the executive employees of a branch of the bank - non-resident of the Republic of Kazakhstan. At least two executive employees of a branch of a bank - non-resident of the Republic of Kazakhstan must be residents of the Republic of Kazakhstan.

The The head of a branch of a bank - non-resident of the Republic of Kazakhstan and his deputies shall not be entitled to hold the position of the head of the executive body or a person who solely performs the functions of the executive body of a legal entity, an executive employee in other financial organizations and branches of banks - non-residents of the Republic of Kazakhstan, branches of insurance (reinsurance) organizations - non-residents Republic of Kazakhstan, branches of insurance brokers - non-residents of the Republic of Kazakhstan.

2. The bank shall be obliged, within one hundred and twenty calendar days after the end of financial year, to submit to the authorized body the report, including information on incomes, paid by the bank to all the bank's executives during the financial year, in the form, established by the regulatory legal act of the authorized body.

Requirements to the internal policy of the bank on remuneration of labor, accrual of monetary remuneration, as well as other types of material incentives for the bank executives shall be determined by the regulatory legal act of the authorized body.

3. A person may not hold (may not be appointed (elected) for) the position of an executive employee of a bank if this person:

1) not having higher education;

2) does not have the work experience established by this article:

in international financial organizations, the list of which is established by the authorized body;

and (or) in the field of regulation, control and supervision of the financial market and financial organizations;

and (or) in the provision of financial services;

and (or) auditing financial institutions;

and (or) in the field of regulation of services for the audit of financial institutions;

2-1) does not meet the requirements established by this article;

3) not having an impeccable business reputation;

4) previously was the head, member of the management body, head of the executive body, his deputy or a member of the executive body, chief accountant, deputy chief accountant of a financial organization, head, deputy head, chief accountant, deputy chief accountant of a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) ) an organization - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan, a major participant-individual, the head of a major participant (bank holding company) - a legal entity of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, within a period not more than one year prior to the adoption by the authorized body or the financial supervision body of the state, whose resident is a bank - non-resident of the Republic of Kazakhstan, of the decision to classify the bank, branch of the bank - non-resident of the Republic of Kazakhstan as insolvent banks, branches of banks - non-residents of the Republic of Kazakhstan or on the mandatory buyout of bank shares, deprivation of the license of a financial organization, в том числе a financial organization - non-resident of the Republic of Kazakhstan, a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan, entailed their liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on the forced liquidation of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, or declaring it bankrupt in accordance with the procedure, established by the legislation of the Republic of Kazakhstan or the legislation of the state, a resident of which is a financial organization - non-resident of the Republic of Kazakhstan, or the entry into force of a court decision on the forced termination of the activities of a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan in cases established by the laws of the Republic of Kazakhstan.

The specified requirement shall be applied within five years after the adoption by the authorized body or the financial supervision body of the state, the resident of which is the bank - non-resident of the Republic of Kazakhstan, of the decision to classify the bank, branch of the bank - non-resident of the Republic of Kazakhstan as insolvent banks, branches of banks - non-residents of the Republic of Kazakhstan or forced repurchase of bank shares, revocation of the license of a financial organization, including of a financial organization - non-resident of the Republic of Kazakhstan, a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan, entailed their liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on the forced liquidation of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, or declaring it bankrupt in accordance with the procedure, established by the legislation of the Republic of Kazakhstan or the legislation of the state, a resident of which is a financial organization - non-resident of the Republic of Kazakhstan, or the entry into force of a court decision on the forced termination of the activities of a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan in cases established by the laws of the Republic of Kazakhstan..

The requirement of this subparagraph shall not apply to executives of banks, fifty or more percent of the voting shares of which are directly or indirectly owned by the national managing holding, in respect of which restructuring has been carried out in accordance with this Law, with the exception of executives appointed (elected) before the acquisition by the Government of the Republic of Kazakhstan or the national managing holding of shares of these banks in accordance with Article 17-2 of this Law;

5) was withdrawn the consent to the appointment (election) to the position of an executive employee and (or) who was suspended from performing official duties in this and (or) in another financial organization, banking, insurance holding company, this and (or) another branch of the bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan through applying the supervisory response measure. The specified requirement shall be applied during the last twelve consecutive months after the decision by the authorized body on withdrawal of a consent to the appointment (election) to the position of an executive employee or removal from performance of official duties.

A person who has committed a corruption offense or has been subjected to an administrative penalty for committing a corruption offense within three years prior to the date of appointment (election) may not hold (may not be appointed (elected) to) the position of a bank executive employee;

6) previously was the head, a member of the management body, the head, a member of the executive body, chief accountant of a financial organization, a major participant (a major shareholder) – an individual, the head, a member of the management body, the head, a member of the executive body, a chief accountant of the major participant (major shareholder) – a legal entity-issuer, defaulted in the payment of coupon interest on the issued securities for four or more consecutive periods or the amount of debt of which on the payment of coupon interest on the issued securities, on which the default was made, is fourfold, and (or) a size of the coupon interest or the amount of default on principal repayment on the issued securities is the amount at ten thousand times exceeding the monthly calculation index, established by the Law on the republican budget on the date of payment. The specified requirement shall be applied within five years from the moment of occurrence of the circumstances provided by this subparagraph.

3-1. A person who is the person associated with the bank by special relations, and (or) was such a person for three years preceding the date of filing an application for its approval for the position of a member of the board of directors - an independent director of the bank may not hold (may not be appointed (elected) to) the position of a member of the board of directors - an independent director of the bank.

4. A major participant of the bank may not be appointed (elected) to the position of the head of the executive body of the bank.

The number of members of the executive body must be at least three persons.

5. To comply with the requirement provided for in subparagraph 2) of paragraph 3 of this Article, the candidates for positions shall be required to have work experience of:

1) the head or member of the management body who is a member of the executive body of the parent bank, head of the executive body, head of the branch of the bank - non-resident of the Republic of Kazakhstan - at least five years, including at least three years in a managerial position;

2) the head of the bank's management body - at least five years, including at least two years in a managerial position;

3) members of the executive body of the bank, the deputy head of the executive body of the bank, the deputy head of the branch of the bank - non-resident of the Republic of Kazakhstan for at least three years, including at least two years in a managerial position;

4) member of the governing body for at least two years, including at least one year in a managerial position;

5) chief accountant of a bank, branch of a bank - non-resident of the Republic of Kazakhstan for at least three years;

6) deputy chief accountant of a bank, branch of a bank - non-resident of the Republic of Kazakhstan for at least two years;

7) other managers of a bank, a branch of a bank - non-resident of the Republic of Kazakhstan, who coordinate and (or) control the activities of structural divisions of the bank, a branch of a bank - non-resident of the Republic of Kazakhstan and have the right to sign documents on the basis of which banking operations are carried out, for at least one year.

Features of the work experience for candidates with professional qualifications confirmed by international certificates, and the list of such certificates shall be established by the regulatory legal act of the authorized body.

Work experience provided for in subparagraph 2) of paragraph 3 of this Article shall not be required for candidates for the positions of members of the executive body of the bank who are in charge of security issues, administrative and economic issues, information technology issues.

Work experience specified in this paragraph shall not include work in the divisions of a financial organization related to the implementation of economic activities, security, development of information technologies, as well as work in a mutual insurance company and an organization engaged in microfinance activities.

A member of the management body who is an independent director shall not be entitled to hold the position of an independent director of this bank for more than ten consecutive years, except for the cases provided for by the regulatory legal act of the authorized body.

5-1. For the purposes of subparagraphs 1), 2), 3) and 4) of part one of paragraph 5 of this Article the executive position shall be understood the position of:

1) an executive employee of a financial organization, a branch of a bank that is a non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan;

2) head of an independent structural unit of a financial organization, a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan, activities which was associated with the provision of financial services;

3) the first head and his deputy, head or deputy head of an independent structural unit of the state body in the field of regulation of financial services and (or) in the field of regulation and state control in the field of audit activities of financial organizations;

4) another head of a financial organization, a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan, who supervised issues, related to the provision of financial services.

6. A candidate for the position of a bank executive shall not be entitled to perform the relevant functions without the consent of the authorized body.

A member of the bank's management body shall be entitled to perform the relevant functions without the consent of the authorized body for no more than sixty calendar days from the date of his election.

Executive employees of a person acquiring the status of a bank holding company shall be entitled to perform the relevant functions without the consent of the authorized body for no more than sixty calendar days from the date the person acquires the signs of a bank holding company upon receipt by the legal entity of the status of a bank holding company.

After the expiration of the period specified in this paragraph, and in case of failure to submit a complete package of documents for approval to the authorized body or refusal by the authorized body to approve, the bank shall be obliged to take measures to terminate the powers of this executive employee.

The head of the executive body of the bank (head of the branch of the bank - non-resident of the Republic of Kazakhstan), chief accountant of the bank (branch of the bank - non-resident of the Republic of Kazakhstan) shall not be entitled to hold the position of a member of the executive body (deputy head of the branch of the bank - non-resident of the Republic of Kazakhstan), chief accountant in other banks, in including those who are non-residents of the Republic of Kazakhstan, branches of a bank - a non-resident of the Republic of Kazakhstan.

The specified restriction shall not apply if banks are parent and subsidiary organizations in relation to each other.

It is prohibited to perform the duties (replacement of a temporarily absent) bank executive employee by persons who do not meet the requirements of this article and are not agreed with the authorized body, except for cases where the duties of the head of the bank's executive body are assigned to a member of the bank's executive body for a period of not more than thirty calendar days.

The authorized body shall consider the documents submitted for issuing consent to the appointment (election) of the bank's executives within thirty working days from the date of submission of the full package of documents in accordance with the requirements of the regulatory legal act of the authorized body.

The authorized body shall suspend the period for consideration of documents submitted for obtaining consent to the appointment (election) of the bank's executives, when the authorized body forms a reasoned judgment in relation to these executives or candidates for the position of an executive. This period shall be suspended from the moment the draft reasoned judgment is sent to the bank or to the bank's executive officer, or to the candidate for the position of the bank's executive officer until the date when the reasoned judgment is adopted by the authorized body.

A candidate for the position of an executive employee of the bank, agreed by the authorized body, shall be entitled to be appointed (elected) to the agreed position within twelve months from the date of receipt of consent to the appointment (election) of the executive employee of the bank.

An executive employee of the bank, agreed with the authorized body, may be appointed to a similar position of an executive employee in this or another bank without obtaining the consent of the authorized body within six months from the date of termination of the powers of the executive employee of the bank, except for the case provided for by part thirteen of this paragraph, and withdrawal by the authorized body of consent to the appointment (election) to the position of an executive employee of the bank on the grounds provided for in paragraph 11 of this Article.

A member of the management body of the bank, agreed with the authorized body for the position of an independent director, within six months from the date of termination of powers, may be re-elected as an independent director without obtaining the consent of the authorized body of only this bank, subject to the requirements established by this article and subparagraph 20) of Article 1 of the Law of the Republic of Kazakhstan “On Joint Stock Companies”.

If, after the expiration of the specified period, the notice of the appointment (election) of this executive bank employee is not submitted by the bank to the authorized body, the previously issued consent to the appointment (election) of the executive bank employee shall be considered invalid.

7. The procedure for issuing the consent of the authorized body for appointment (election) of the executive employee of the bank, a bank holding company, including the criteria for absence of impeccable business reputation, the documents necessary to obtain consent, shall be determined by the regulatory legal acts of the authorized body.

A fee shall be charged for the issuance of consent for appointment (election) of the executive employee of the bank, bank holding company, which amount and procedure of payment shall be determined by the tax legislation of the Republic of Kazakhstan.

8. The authorized body shall refuse to issue consent for appointment (election) of the bank executive employees on the following grounds:

1) non-compliance of bank executives and candidates for positions of bank executives with the requirements established by this Article, subparagraph 20) of Article 1, paragraph 4 of Article 54, paragraph 2 of Article 59 of the Law of the Republic of Kazakhstan “On Joint Stock Companies” and Article 9 of the Law of the Republic of Kazakhstan “On Accounting and Financial Reporting”;

2) negative test result.

Negative test results are:

the test result of the candidate is less than seventy percent of the correct answers;

violation by the candidate of the procedure for testing, determined by the authorized body;

non-appearance for testing at the appointed time before the expiration of the period for approval of the candidate by the authorized body;

3) non-elimination by the bank or a candidate for the position of an executive officer of the bank of the comments of the authorized body within the period established by the authorized body or submission by the bank, bank holding company or candidate for the position of the executive officer of the bank of documents finalized taking into account the comments of the authorized body after the expiration of the period of consideration established by part eight of paragraph 6 of this Article documents by the authorized body;

3-1) violation of the procedure established by the legislation of the Republic of Kazakhstan for the election (appointment) of a candidate for the position of a bank executive;

4) submission of the documents after the expiry of the term, established by paragraph 6 of this Article, during which the executive employee holds his/her position without the approval of the authorized body;

5) is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).
6) is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

7) availability of information (facts) from the authorized body about the commission by the candidate of actions recognized as committed for the purpose of manipulating the securities market and (or) causing damage to a third party (third parties)

This requirement applies for one year from the date of the earliest of the listed events:

recognition by the authorized body of the actions of the candidate as committed for the purpose of manipulating the securities market;

receipt by the authorized body of facts confirming the infliction of damage to a third party (third parties) as a result of such actions;

8) availability of information from the authorized body that the candidate was an employee of a financial organization in respect of which the authorized body applied supervisory response measures and (or) which was imposed an administrative penalty for an administrative offense provided for in Article 259 of the Code of the Republic of Kazakhstan on Administrative Infractions, for committing actions recognized as committed for the purpose of manipulating the securities market, and (or) by an employee of a financial institution whose actions caused damage to a financial institution and (or) a third party (third parties) participating in the transaction.

This requirement applies for one year from the date of the earliest of the listed events:

recognition by the authorized body of the candidate's actions as committed for the purpose of manipulating the securities market;

receipt by the authorized body of facts confirming the damage caused by the actions of the candidate to the financial organization and (or) to a third party (third parties).

For the purposes of this of subparagraph, an employee of a financial organization means an executive employee or a person who performed his duties, and (or) a stock exchange trader, whose competence included making decisions on issues that entailed the above violations.

The information specified in subparagraphs 7) and 8) of part one of this paragraph, includes information received by the authorized body from the financial supervision authority of the state, the resident of which is a financial institution - non-resident of the Republic of Kazakhstan.

9. In case of refusal of the authorized body to issue consent to the appointment (election) of a member of the bank's management body or termination of his powers before the issuance of the said consent or failure to submit documents to the authorized body for approval within the period specified in paragraph 6 of this Article, this person may be re-appointed (elected) to the position of a member of the management body of this bank not earlier than ninety calendar days after receiving the refusal of the authorized body to issue consent to his appointment (election), termination of his powers, respectively, but not more than two times within twelve consecutive months.

The bank shall be obliged to notify the authorized body within five working days from the date of the decision of the relevant body of the bank about all changes that have occurred in the composition of executive employees, including their appointment (election), transfer to another position, termination of the employment contract and (or) termination of powers, bringing an executive to administrative responsibility for committing a corruption offense, as well as changes in the last name, first name, patronymic (if it is indicated in the identity document) of the executive with copies of supporting documents attached.

In the event that a bank executive is held criminally liable, the bank shall notify the authorized body within five working days from the date when this information became known to the bank.

If there are cases, facts and (or) circumstances that serve as the basis for the formation and use of a reasoned judgment by the authorized body in accordance with Article 13-5 of the Law of the Republic of Kazakhstan “On State Regulation, Control and Supervision of the Financial Market and Financial Organizations”, the authorized body shall send a notification to the bank about the formation of a reasoned judgment in relation to the executive employee of the bank.

The person in respect of whom a reasoned opinion is being formed shall not be entitled to take up his duties until a decision is made by the authorized body in the manner and within the time limits provided for in Article 13-5 of the Law of the Republic of Kazakhstan “On State Regulation, Control and Supervision of the Financial Market and Financial Organizations”.

The term provided for by part eight of paragraph 6 of this article shall be suspended until a decision is made by the authorized body in the manner and within the time limits stipulated by Article 13-5 of the Law of the Republic of Kazakhstan “On State Regulation, Control and Supervision of the Financial Market and Financial Organizations”.

10. In the event of two consecutive refusals of the authorized body to issue consent to the appointment (election) to the position of an executive employee of the bank:

1) documents upon approval of this person may be re-submitted to the authorized body after twelve consecutive months from the date of adoption by the authorized body of a decision on the second refusal to issue consent to his appointment (election) in this bank;

2) a member of the bank's management body may be elected as an executive employee of the bank after twelve consecutive months from the date of the decision by the authorized body on the second refusal to issue consent to his election in this bank.

11. The authorized body shall revoke the issued consent for appointment (election) to the position of the bank executive employee on the following grounds:

1) identification of false information on the basis of which the consent was issued;

2) is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

3) application by the authorized body of the supervisory response measure specified in subparagraph 12) of paragraph 1 of of Article 46 of this Law;

4) is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

5) presence of unexpunged or outstanding criminal conviction;

6) non-compliance with the requirements established by this article.

The withdrawal by the authorized body of consent to the appointment (election) of an executive employee of a bank, bank holding company shall be the basis for the withdrawal of previously issued (issued) consent(s) to this executive employee in other financial organizations, banking, insurance holding companies, branches of banks - non-residents of the Republic of Kazakhstan, branches of insurance (reinsurance) organizations - non-residents of the Republic of Kazakhstan, branches of insurance brokers - non-residents of the Republic of Kazakhstan.

The bank shall be obliged to terminate the employment contract with the executive employee of the bank or, in the absence of an employment contract, take measures to terminate the powers of the executive employee of the bank in cases:

1) withdrawal by the authorized body of consent to the appointment (election) to the position of an executive employee of the bank;

2) violation by the bank of the procedure established by the legislation of the Republic of Kazakhstan for the election (appointment) of a candidate for the position of an executive employee.

The powers of a member of the board of directors of a bank whose consent to appointment (election) to the position of an executive employee of the bank has been revoked by the authorized body shall be terminated from the moment the bank and (or) bank holding receives this response.

12. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

13. The head and members of the management body, the head and members of the executive body of an organization carrying out certain types of banking operations must comply with the requirements established by this Article. In case of compliance with the specified requirements, the head and members of the management body, the head and members of the executive body shall be appointed (elected) to positions without the consent of the authorized body. An organization carrying out certain types of banking operations shall, at the request of the authorized body, dismiss the head and member of the management body, the head and member of the executive body in case of their non-compliance with the requirements of this article.

In the event that the authorized body applies the supervisory response measure specified in subparagraph 12) of paragraph 1 of Article 46 of this Law to the head (member) of the management body, head (member) of the executive body of an organization carrying out certain types of banking operations, this organization shall be obliged to terminate an employment contract with this person or take measures to terminate his powers.

For the heads of the executive body of an organization that carries out certain types of banking operations, which is a subsidiary of the national managing holding in the field of the agro-industrial complex, the work experience established by subparagraph 2) of paragraph 3 of this Article shall also include work experience in social and entrepreneurial corporations.

With regard to the National Postal Operator, the requirements of this paragraph shall apply to members of the executive body whose official duties include supervising issues related to certain types of banking operations.

14. The head of the management body, his deputy and members of the management body, the head of the executive body, his deputy and members of the executive body, the chief accountant, the deputy chief accountant, other heads of the banking holding who coordinate and (or) control the activities of the subsidiary ( subsidiaries) organization (organizations) and (or) organization (organizations) in which (in which) the banking holding company has a significant participation in the capital shall be recognized as the executive employees of the bank holding.

15. The requirements of this Article shall apply to the executive employees of the bank holding company, except for the executives of bank holding companies-non-residents of the Republic of Kazakhstan, if one of the following conditions is met:

the bank holding company has an individual credit rating not lower than the A rating of one of the rating agencies, the list of which shall be established by the authorized body, as well as a written confirmation from the financial supervision authority of the country of origin of the bank holding company that it is subject to consolidated supervision;

availability of an agreement between the authorized body and the relevant supervisory body of a foreign state on the exchange of information, as well as the minimum required rating of one of the rating agencies. The minimum rating and the list of rating agencies shall be established by the regulatory legal act of the authorized body.

Footnote. Article 20 is in the wording of the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); as amended by the laws of the Republic of Kazakhstan dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (the order of enforcement see Article 2); dated 03.07.2019 № 262-VI ((shall be enforced from 01.01.2020); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 No. 399-VI (for the procedure of enactment see Article 2); dated 01.07.2022 No. 131-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 21. Additional requirements to establishment of a bank with participation of non-residents of the Republic of Kazakhstan

An individual or legal entity - non-resident of the Republic of Kazakhstan, which is a founder of the bank, in addition to the documents, specified in Article 19 of this Law, shall attach the application for a permit to open a bank with a written notice of the authorized body (for non-resident banks of the Republic of Kazakhstan - the bank supervisor body) of the corresponding state that the entity is permitted to own the shares of a resident bank of the Republic of Kazakhstan, or the application of the authorized body (for non-resident banks of the Republic of Kazakhstan - the bank supervisor body) of the corresponding state that such permission is not required in accordance with the legislation of the country of the specified founder.

An individual or legal entity - non-resident of the Republic of Kazakhstan, which is the founder of a bank established as part of the voluntary reorganization of a microfinance organization in the form of conversion into a bank, shall be additionally obliged to attach to the application for issuing a permit for the voluntary reorganization of a microfinance organization in the form of conversion into a bank a written notification of the authorized body (for banks - non-residents of the Republic of Kazakhstan - the banking supervision authority) of the relevant state that this person is allowed to own shares of a bank - resident of the Republic of Kazakhstan, or a statement from the authorized body (for banks - non-residents of the Republic of Kazakhstan - the banking supervision authority) of the relevant state that such permission under the laws of the state of the specified founder is not required.

Footnote. Article 21 is in the wording by the Law of the Republic of Kazakhstan dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); as amended by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 22. Additional requirements for establishment and operation of banks with foreign capital

Footnote. Article 22 is excluded - dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107).

Article 23. The order of consideration of an application for a permit to open a bank

1. An application for a permit to open a bank must be considered by the authorized body within sixty-five working days from the date of submission of the application.

2. Notification on the issuance of a permission to open a bank shall be sent to the applicant and to the Corporation.

3. The authorized body shall keep the records of the issued permits to open a bank.

Footnote. Article 23 is amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 26.06.2020 No. 349-VI(shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 24. Refusal to issue permission to open a bank

1. Refusal to issue permission to open a bank shall be made under any of the following grounds:

a) excluded by the Law of the Republic of Kazakhstan dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020);

b) non-compliance of the bank's name with the requirements of paragraphs 2-4 of Article 15 of this Law;

c) excluded by the Law of the Republic of Kazakhstan dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020);

d) the instability of the financial position of the founders of the bank. The instability of the financial situation means the presence of the signs established by paragraph 10 of Article 17-1 of this Law;

e-1) in cases where the founder - an individual or the first head of the executive body or management body of the founder - a legal entity:

has an outstanding or unexpunged criminal record;

held the position of the first head of the management body, the first head of the executive body or his deputy, chief accountant, deputy chief accountant of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, within a period not more than one year prior to the adoption by the authorized body or the financial supervision body of the state, the resident of which is the financial organization - non-resident of the Republic of Kazakhstan, of the decision to classify the bank as insolvent banks or to forcibly repurchase its shares, deprive the license of the financial organization, including financial organization - non-resident of the Republic of Kazakhstan, entailed their liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on the forced liquidation of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, or declaring it bankrupt in accordance with the procedure, established by the legislation of the Republic of Kazakhstan or the legislation of the state, the resident of which is a financial organization - non-resident of the Republic of Kazakhstan. The specified requirement shall be applied within five years after the adoption by the authorized body or the financial supervision body of the state, the resident of which is a financial institution - non-resident of the Republic of Kazakhstan, decisions on classifying a bank as insolvent banks or forcibly repurchasing its shares, revoking the license of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, resulting in their liquidation and (or) termination of activities in the financial market, or the entry into force of a court decision on the forced liquidation of a financial organization, including a financial organization - non-resident of the Republic of Kazakhstan, or declaring it bankrupt in accordance with the procedure, prescribed by the legislation of the Republic of Kazakhstan or the legislation of the state, the resident of which is a financial institution - non-resident of the Republic of Kazakhstan, in the manner. For the purposes of this subparagraph, a financial organization also means a branch of a bank - non-resident of the Republic of Kazakhstan, a branch of an insurance (reinsurance) company - non-resident of the Republic of Kazakhstan, a branch of an insurance broker - non-resident of the Republic of Kazakhstan;

e-2) failure to comply with the requirements of Article 17-1 of this Law;

f) failure to comply with the restrictions imposed by Article 17 of this Law;

f-1) refusal to issue consent by the authorized body to acquire the status of a major participant in a bank , bank holding company ;

f-2) refusal to issue permission to create (acquire) a bank subsidiary;

g) (Is excluded – by the Law of the Republic of Kazakhstan dated 23.10.2008 No 72 -IV (shall be enforced from 01.01.2009);

h) (Is excluded - dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107);

j) the business plan of the newly established bank and other documents, submitted by the applicant, do not confirm that:

upon expiry of the first three financial (operational) years the bank’s activity will be profitable;

the bank intends to comply with the requirements to limit risk and to establish an appropriate management structure;

the bank has the organizational structure, meeting the plans of its activities;

the bank has accounting and control structure, meeting the plans of its activities.

2. The authorized body shall notify the applicant of the grounds for refusal in a written form.

3. Issuance of the permission to open a bank shall not be permitted in case of non-compliance with the provisions of Articles 18-21 of this Law.

Footnote. Article 24as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 23.12.2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 12.01.2007 No 222 (shall be enforced upon expiry of six months from the date of its official publication); dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated 05.07.2012 No 30 - V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 25. State registration of a bank, re-registration of a microfinance organization into a bank

Footnote. The heading of Article 25 as amended by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

The state registration of the bank is carried out by the Corporation on the basis of the permission of the authorized body to open the bank.

The state re-registration of a microfinance organization into a bank as part of the voluntary reorganization of a microfinance organization in the form of conversion into a bank shall be carried out by the Corporation on the basis of the permission of the authorized body for the voluntary reorganization of a microfinance organization in the form of conversion into a bank and a report approved by it on the implementation of measures provided for by the action plan for the conversion of a microfinance organization into a bank.

A bank established as a result of voluntary reorganization of a microfinance organization in the form of conversion into a bank shall be the successor of all its rights (claims) and obligations.

Footnote. Article 25 is in the wording of the Law of the Republic of Kazakhstan dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 26. Licensing of banking and other operations

Footnote. The title of Article 26 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

1. Licenses for carrying out banking, as well as other operations established by this Law, shall be issued by the authorized body or the National Bank of the Republic of Kazakhstan within its competence and in accordance with the procedure, determined by the authorized body or the National Bank of the Republic of Kazakhstan, in accordance with the requirements of this Law.

Licenses for carrying out banking, as well as other operations, provided for by Article 52-5 of this Law, shall be issued by the authorized body only to the Islamic banks.

Licenses for carrying out banking operations, provided for by subparagraphs 1), 2), 3), 4), 5) and 6) of paragraph 1 of Article 52-5 of this Law, shall be issued by the authorized body only to the branches of non-resident Islamic banks of the Republic of Kazakhstan.

Licenses to a branch of a non-resident bank of the Republic of Kazakhstan to conduct banking and other operations shall be issued by the authorized body if a non-resident bank of the Republic of Kazakhstan has a valid license to conduct essentially similar banking and other operations issued by the authority financial supervision of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan.

The authorized body, when issuing or reissuing a license, shall have the right to specify the names of operations permitted for implementation by banks and (or) organizations engaged in certain types of banking operations, in accordance with the legislation of the Republic of Kazakhstan.

A fee is charged for issuing a license, the amount and procedure for payment of which shall be determined by the legislation of the Republic of Kazakhstan.

2. Within one year from the date of issuance of permission to open a bank, the applicant must complete all organizational and technical measures, including preparing the premises, equipment and software for automating accounting and the general ledger that meet the requirements of regulatory legal acts of the authorized body and the National Bank of the Republic of Kazakhstan, hire appropriate personnel, approve the rules for banking and other activities and apply to the authorized body to obtain a license to conduct banking and other operations.

The bank shall be obliged to ensure the presence in the locality where the executive body of the bank is located, its own premises with centralized access to the automated banking information system, the requirements for which are provided for by the regulatory legal act of the authorized body.

A bank - non-resident of the Republic of Kazakhstan shall be obliged to ensure the presence in the territory of the Republic of Kazakhstan of its own premises of a branch of a bank - non-resident of the Republic of Kazakhstan with a data processing center (server), the requirements for which are provided for by the regulatory legal act of the authorized body.

2-1. List of documents required for legal entities - residents of the Republic of Kazakhstan to obtain a license to conduct banking and other operations for the first time:

1) application;

2) a copy of the statutes of the applicant (notarized in case of failure to submit the originals for verification);

3) a document confirming the payment of a license fee to the budget for the right to engage in certain types of activities, except for cases of payment through the payment gateway of "electronic government";

4) documents of persons proposed for positions of bank executives, in accordance with the requirements of Article 20 of this Law;

5) regulations on the internal audit service, credit committee, approved by the board of directors of the bank;

6) staff list indicating the surnames, names and patronymics (if they are indicated in the identity document) of employees;

7) copies of documents, confirming the payment of the authorized capital, the minimum amount of which is established by the regulatory legal act of the authorized body;

8) documents confirming the fulfillment of the requirements of paragraph 2 of this Article, in accordance with the procedure prescribed by regulatory legal acts of the authorized body.

2-2. List of documents required for obtaining a license for banking and other operations for the first time by a branch of a bank - non-resident of the Republic of Kazakhstan:

1) documents confirming the fulfillment of the requirements of paragraph 2 of this Article, in accordance with the procedure prescribed by regulatory legal acts of the authorized body;

2) documents, provided for in subparagraphs 1), 3), 4) and6) of paragraph 2-1 of this Article;

3) a document confirming the formation of assets accepted as a reserve, in accordance with part two of paragraph 6 of Article 42 of this Law;

4) regulations on the internal audit service, credit committee, approved by the board of directors of a bank - non-resident of the Republic of Kazakhstan.

2-3. Within one year from the date of issuance of the permission of the authorized body for the voluntary reorganization of a microfinance organization in the form of conversion into a bank in accordance with the Law of the Republic of Kazakhstan “On microfinance activity” the applicant must complete all the organizational and technical measures provided for in paragraph 2 of this Article, and no later than thirty calendar days before the expiration of the conversion period specified in the permission of the authorized body, apply to the authorized body to obtain a license to conduct banking and other operations.

3. To obtain a license for conducting additional banking and other operations, the current bank must:

1) ensure compliance with prudential standards for three consecutive months prior to applying for a license to conduct additional banking operations;

2) ensure availability of risk management and internal control systems that meet the requirements of the authorized body;

3) submit the rules on general conditions for conducting additional types of banking operations.

4. Excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

5. An application for a license to conduct banking and other operations must be considered by the authorized body or the National Bank of the Republic of Kazakhstan within thirty working days from the date of submission of documents that meet the requirements of the legislation of the Republic of Kazakhstan.

An application for a license to conduct banking and other operations, submitted as part of a voluntary reorganization of a microfinance organization in the form of conversion into a bank, must be considered by the authorized body within ten working days from the date of submission of documents that meet the requirements of the legislation of the Republic of Kazakhstan.

Application for reissuance of a license, except for the cases provided for in Article 34 of the Law of the Republic of Kazakhstan “On Permissions and Notifications”, must be considered by the authorized body within fifteen working days from the date of submission of documents that meet the requirements of the legislation of the Republic of Kazakhstan.

6. The license for conducting banking and other operations in national and (or) foreign currency shall be issued for an unlimited period.

7. The license for conducting banking and other operations shall not be transferable to third parties.

8. All types of banking and other operations can be carried out only if there is a direct indication in the license for the right to conduct them.

9. The decision to grant a license to conduct banking and other operations shall be posted on the Internet resource of the authorized body or the National Bank of the Republic of Kazakhstan in Kazakh and Russian.

10. A duly certified copy of the license for conducting banking and other operations shall be subject to placement in a place accessible for viewing to the bank’s customers.

Footnote. Article 26 is in the wording of Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 166-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (entry into force see Article 2); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 27. Grounds for refusal to issue a license to conduct banking or other operations

1. Refusal to issue a license to conduct a banking or another operation is made in the following cases:

1) non-compliance with any of the requirements established by paragraphs 2 and 3 of Article 26, paragraph 5 of Article 52-17 of this Law;

2) failure of the banking conglomerate, which includes the bank, to comply with the established prudential standards and other mandatory standards and limits within six months prior to the application submission;

2-1) failure to meet the requirement to form assets of a branch of a non-resident bank of the Republic of Kazakhstan, accepted as a reserve, in accordance with part two of paragraph 6 of Article 42 of this Law;

2-2) lack of a valid license on the part of a non-resident bank of the Republic of Kazakhstan for the conduct an essentially similar banking or other operation issued by the financial supervisory authority of the state of which the non-resident bank of the Republic of Kazakhstan is a resident;

3) inconsistency of the size, composition and structure of the authorized capital of the bank with the requirements of Article 16 of this Law;

4) inconsistency of the submitted documents with the requirements of the legislation of the Republic of Kazakhstan;

5) non-compliance of an executive employee of a legal entity wishing to obtain a license to conduct certain types of banking operations with the requirements of Article 20 of this Law, non-approval of an executive from among the candidates proposed for appointment (election) (for a newly created bank, opened branch of a non-resident bank of the Republic of Kazakhstan);

6) failure to meet the requirement, specified in paragraph 1-1 of Article 20 of this Law, on the presence among the executives of a branch of a non-resident bank of the Republic of Kazakhstan of at least two senior executives-residents of the Republic of Kazakhstan.

2. В in the event of a refusal to issue a license, except for the case established by paragraph 3 of this Article, the applicant shall eliminate the inconsistencies and shall reapply for a license with the submission of corrected documents, on the basis of which the refusal to issue a license was sent.

3. In the event of a refusal to issue a license on the grounds provided for in subparagraph 5) of paragraph 1 of this Article, the applicant shall eliminate inconsistencies and shall reapply for a license with the submission of documents of persons proposed for positions of bank executives, in accordance with the requirements of Article 20 of this Law instead of persons, whose approval was denied.

Footnote. Article 27 as amended by the Law of the Republic of Kazakhstan dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 28. Changes and amendments to the constituent documents of a bank

1. Is excluded by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.)

2. Is excluded by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.)

2-1. After the state registration of changes and (or) additions made to the constituent documents requiring re-registration in the Corporation, the bank shall, within fourteen calendar days from the date of re-registration, submit to the authorized body a notarized copy of the changes and (or) additions to the constituent documents with the mark and seal of the Corporation.

In case of making changes and (or) additions to the constituent documents that do not require re-registration, the bank shall, within fourteen calendar days from the date of the Corporation's mark on acceptance of the bank's letter, submit to the authorized body a copy of this letter of the bank, as well as a notarized copy of the changes and (or) additions to the constituent documents.

3. Conditions, grounds and the order of voluntary reorganization of the bank into the organization, performing certain types of banking transactions, shall be determined by the regulatory legal acts of the authorized body.

Footnote. Article 28 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.04.2019 № 241-VI (shall be enforced from 01.07.2019) .

Article 29. Establishment, closure of branches and representative offices of banks

1. Resident bank of the Republic of Kazakhstan on the basis of a decision of the board of directors of the bank without the consent of the authorized body shall have the right to open its subdivisions - branches and representative offices on the territory of the Republic of Kazakhstan and out of it.

2. The bank within thirty working days from the date of registration of its branch and representative office in the Corporation shall notify the authorized body in writing about their opening with attachment:

1) is excluded by the Law of the Republic of Kazakhstan dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication);

2) a notarized copy of the regulation on the branch or representative office with the mark and seal of the Corporation;

3) Is excluded by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication);

4) a notarized copy of power of attorney, issued to the first head of a branch or representative office.

3. Consent of the local representative and executive bodies shall not be required for establishment, closure of a branch or representative office in the territory of the Republic of Kazakhstan.

4. A branch of a bank shall be a separate subdivision of the bank, which is not a legal entity, located outside the bank, conducting the banking activities on behalf of the bank and acting within the powers, vested to it by the bank. A bank’s branch shall have a single balance with the bank, as well as the name which is identical to the name of the bank.

A bank branch shall have the right to have premises located at several addresses within the same region.

A bank branch located in the capital and (or) city of republican significance shall have the right to have premises located at several addresses:

in the capital and (or) city of republican significance;

within the area adjacent to the capital (city of republican significance).

5. A representative office shall be a separate subdivision of the bank, which is not a legal entity, located outside the bank, acting on behalf of and for the bank and not conducting banking activities.

6. A prerequisite for opening branches by a bank, increasing the number of additional premises of branches, including those located at several addresses, shall be non-applying of this Law, as well as administrative penalties for administrative infractions provided for in parts six, seven, eight and ninth of Article 213, part one of Article 227 of the Code of the Republic of Kazakhstan on administrative infractions by the authorized body or court to the bank within three months preceding the date of registration of the branch in the Corporation or the date of the decision of the bank on increasing the number of additional premises of the operating branch of the bank, including those located at several addresses..

In the event of an increase in the number of additional premises of a branch of a non-resident bank of the Republic of Kazakhstan, the requirement to fulfill the mandatory condition provided for in part one of this paragraph shall apply to the branch of a non-resident bank of the Republic of Kazakhstan.

7. A resident bank of the Republic of Kazakhstan shall have the right to open representative offices if it had break-even operation for the last completed financial year.

8. When making changes and (or) additions to the regulations on the branch, representative office requiring accounting re-registration in the Corporation, the bank-resident of the Republic of Kazakhstan shall be obliged within thirty working days from the date of accounting re-registration in the Corporation to submit to the authorized body a notarized copy of changes and (or) additions to the regulations on the branch, representative office.

When making changes and (or) additions to the regulations on the branch, representative office, not requiring accounting re-registration in the Corporation, the bank-resident of the Republic of Kazakhstan shall, within thirty working days from the date of mark of the Corporation on acceptance of the bank’s letter, submit to the authorized body a copy of the specified bank’s letter, notarized copies of changes and (or) additions to the regulations on the branch or representative office.

In case of an increase in the number of additional premises of a bank branch, a decrease in the number of premises of a bank branch or a change in the location of the premises of a bank branch, the bank shall be obliged, within thirty working days from the date the bank makes a decision on increasing the number of additional premises of a bank branch, reducing the number of premises of a bank branch or changing the location of the premises of a branch of the bank to submit to the authorized body an extract from such a decision containing the addresses of the indicated premises of the bank's branch.

In case of an increase in the number of additional premises of a branch of a bank - a non-resident of the Republic of Kazakhstan, a decrease in the number or a change in the location of its premises, a branch of a bank - non-resident of the Republic of Kazakhstan shall be obliged, within thirty working days from the date of adoption by the branch of a bank - non-resident of the Republic of Kazakhstan of a decision on increasing the number of additional premises of a bank branch - non-resident of the Republic of Kazakhstan, reducing the number of premises of a branch of a bank - non-resident of the Republic of Kazakhstan or changing their location, to submit to the authorized body an extract from such a decision of the branch containing the addresses of the indicated premises of the branch of the bank - a non-resident of the Republic of Kazakhstan.

8-1. A resident bank of the Republic of Kazakhstan shall have the right to open a branch outside the Republic of Kazakhstan only if there is an agreement between the authorized body and the relevant supervisory body of a foreign state for the information exchange.

9. In case of opening of branches and representative offices outside the Republic of Kazakhstan, within thirty calendar days from the date of registration in the relevant state body, in a written form, the resident bank of the Republic of Kazakhstan shall notify the authorized body of their opening and attach the documents, confirming registration of the relevant body of the state.

10. A non-resident bank of the Republic of Kazakhstan shall have the right to open its representative office without the consent of the authorized body.

11. The representative office of a bank-non-resident of the Republic of Kazakhstan within thirty working days from the date of registration in the Corporation shall notify the authorized body in writing about opening with attachment:

1) is excluded by the Law of the Republic of Kazakhstan dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication);

2) a notarized copy of the provision on the representative office with a mark and seal of the judicial body that registered it;

3) a written confirmation of the banking supervisory body of the relevant state that the non-resident bank of the Republic of Kazakhstan has a valid license for banking activities;

4) a written notice from the banking supervisory body of the relevant state that it had no objections to the opening of a representative office of non-resident bank of the Republic of Kazakhstan in the Republic of Kazakhstan, or the statements of the bank supervisory body or the State Legal Service authority of the state that such permission is not required in compliance with the legislation of the state of the non-resident bank of the Republic of Kazakhstan;

5) a notarized power of attorney for the head of the representative office of the bank.

12. The opening of branches of non-resident banks in the Republic of Kazakhstan shall be allowed under the conditions provided for by this Law.

13. The representative office of a bank - non-resident of the Republic of Kazakhstan shall be obliged, within thirty working days from the date of record re-registration with the Corporation, to notify the authorized body of changes and (or) additions to the position on the representative office, attaching copies of these documents.

In case of amendments and (or) additions to the provision on the representative office that do not entail accounting re-registration, the representative office of a bank - non-resident of the Republic of Kazakhstan shall be obliged, within thirty working days from the date of receipt by the Corporation of the application (electronic notification) and documents on the amendments and (or) additions, to submit to the authorized body a document confirming their acceptance, and notarized copies of amendments and (or) additions to the provision on representation.

14. The bank within thirty working days from the date of accounting re-registration of its branch and (or) representative office in the Corporation (appropriate registering body of the state at termination of activities of a branch or representative office outside the Republic of Kazakhstan) shall notify the authorized body about termination of their activity with application a notarized copy of the document of the Corporation (appropriate registering body of the state – upon termination of the activity of a branch or representative office outside the Republic of Kazakhstan), confirming the deregistration of the branch and (or) representative office of the bank.

15. The authorized body shall require tto close a branch or additional premises of a branch or a representative office of a resident bank and an additional premises of a branch or a representative office of a non-resident bank of the Republic of Kazakhstan in case of non-compliance with the requirements of paragraphs 6, 7, 8-1, 11 и 13 of this Article.

The authorized body shall apply supervisory response measures to the bank in case of non-compliance with the requirements of 11, 8, 9 and 14 of this Article.

16. The requirements of paragraphs 6 and 7 of this Article shall not apply to the bank in connection with opening of branches and (or) representative offices by it and (or) an increase in the number of additional premises of existing branches, including those located at several addresses, as a result of conducting an operation provided by Articles 61-4 and 61-11 of this Law, as well as at reorganization of a bank in the form of accession of another bank to it.

Footnote. Article 29 is in the wording by the Law of the Republic of Kazakhstan dated 23.12.2005 No 107 (the order of enforcement See Art. 2 of the Law No 107); as amended by the Law of the Republic of Kazakhstan dated 19.02.2007 No 230 (the order of enforcement See Art. 2); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.12.2012 No 60 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication); dated 05.07.2014 No. 236-V (shall be enforced from 01.01.2015); dated 27.04.2015 No. 311-V (shall be enforced from 01.09.2014); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (entry into force see Article 2); dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 24.11.2015 No. 422-V (for the procedure of enactment see art. 2); dated 03.07.2020 No. 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).
Chapter 3 (The title of Chapter 3 is excluded by the Law of the Republic of Kazakhstan dated 8 July, 2005 No 72 (the order of enforcement see Article 2).

Article 30. Banking activity

1. The banking activity shall be the performance of banking and other operations by the banks, specified in this Article.

2. Banking operations shall include:

1) deposit taking, opening and maintaining the bank accounts of legal entities;

2) deposit taking, opening and maintaining the bank accounts of individuals;

3) opening and maintenance of correspondent accounts of banks and organizations, engaged in certain types of banking transactions;

4) opening and maintenance by the banks of the precious metal accounts of individual and legal entities, reflecting the physical quantity of refined precious metals and precious metal coins, owned by the entity;

5) cash transactions: taking and issuing by the banks and the National Post of cash, including the exchange, counting, sorting, packing and storage;

6) transactions: implementation of the instructions of individual and legal entities on payments and money transfers. A license for the transfer operations shall be issued to the banks and legal entities, referred to in paragraph 6-1 of this Article;

7) accounting operations: discounting bills (discount) and other debt obligations of individual and legal entities;

8) bank loan operations: provision by a bank, a mortgage organization, an organization that is not a bank, engaged in brokerage and (or) dealer activities in the securities market, or organizations engaged in lending to agro-industrial complex entities, one hundred percent of the voting shares of which directly or indirectly belong to the national managing holding, loans in cash on the terms of payment, urgency and repayment;

9) exchange operations with foreign currency, including exchange operations with foreign currency in cash;

10) (Is excluded – dated 12 January, 2007 No 222)

11) (Is excluded - dated 12 January, 2007 No 222)

12) collection of banknotes, coins and valuables;

13) taking the documents for collection (except for the bills);

14) opening (issuance) and confirmation of the letter of credit and fulfillment of obligations thereunder;

15) issuance of bank guarantees by the banks, providing execution in the monetary form;

16) issuance of bank guarantees and other obligations by the bank for the third parties, providing execution in the monetary form.

2-1. The banking activity of a branch of a non-resident bank of the Republic of Kazakhstan shall be the implementation by a branch of a non-resident bank of the Republic of Kazakhstan of banking and other operations specified in subparagraphs 1), 2), 3), 4), 5), 6), 7), 8), 12), 13), 14), 15) and 16) of paragraph 2, subparagraphs 1), 2), 3), 4), 6), 7), 8) and 9) of paragraph 11 of this Article.

A branch of a non-resident bank of the Republic of Kazakhstan, with a license from an authorized body, shall have the right to carry out in the territory of the Republic of Kazakhstan the types of professional activities in the securities market specified in subparagraphs 1) and 2) of paragraph 12 of this Article.

3. Banking operations do not include activities related to the provision of microcredits by organizations carrying out microfinance activities in accordance with the legislation of the Republic of Kazakhstan on microfinance activities.

4. Excluded by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

5. A license for banking and other transactions, specified in this Article, shall be issued by the authorized bodies to the banks.

Banking operations provided by sub-paragraphs 1), 3), 5), 9) and 12) of paragraph 2 of this Article shall be carried out by the National postal operator without a license of the authorized body.

6. Carrying out one or several types of banking operations provided for in paragraph 2 of this article may be carried out by an organization carrying out certain types of banking operations, subject to a license from an authorized body or the National Bank of the Republic of Kazakhstan, except for the following cases:

1) when the law of the Republic of Kazakhstan regulating the activities of such an organization provides for the possibility of performing these operations without a license;

2) when the banking operations provided for by subparagraph 8) of paragraph 2 of this article are carried out by subsidiaries of banks that acquire doubtful and bad assets of the parent bank, as well as by an organization specializing in improving the quality of loan portfolios of second-tier banks, without a license.

A license to organizations carrying out certain types of banking operations to conduct banking operations provided for in paragraph 2 of this article is issued by an authorized body or the National Bank of the Republic of Kazakhstan, except for the cases provided for in paragraph 7 of this article.

A license for a banking operation provided for by subparagraph 9) of paragraph 2 of this article is issued to organizations carrying out certain types of banking operations:

in terms of exchange transactions with foreign currency in cash - to legal entities operating exclusively through exchange offices;

in terms of exchange operations with non-cash foreign currency - to other organizations.

6-1. The banking operation provided by subparagraph 6) of paragraph 2 of this Article shall be carried out by the stock exchange, the clearing organization, carrying out the functions of the central counterparty, the central depository in the presence of the license of the authorized body for carrying out banking operations provided by subparagraphs 1) and (or) 3) of paragraph 2 of this Article at the specified legal entities, as well as by the operating center of the interbank money transfer system.

Other legal entities shall carry out banking transactions, provided by subparagraphs 1) and 6) of paragraph 2 of this Article, within the limits, imposed by the Laws of the Republic of Kazakhstan.

Organizations that are not banks carrying out brokerage and (or) dealer activities in the securities market shall have the right to carry out certain types of banking operations on the basis of the relevant licenses of the authorized body in the manner prescribed by the legislation of the Republic of Kazakhstan on the securities market.

7. The banking operation provided for by subparagraph 6) paragraph 2 of this article is carried out without a license from an authorized body by state bodies, the National Post Operator, as well as the Development Bank of Kazakhstan in accordance with the laws of the Republic of Kazakhstan governing their activities.

The banking operation provided for by subparagraph 6) of paragraph 2 of this article shall be carried out without a license from an authorized body by an organization registering transactions with securities on the territory of the Astana International Financial Center, for settlements under transactions with financial instruments concluded on the stock exchange of the International Financial Center "Astana".

7-1. Legal entities whose exclusive activity is the collection of banknotes, coins and valuables on the basis of a license from the National Bank of the Republic of Kazakhstan are prohibited from engaging in other types of activities (operations), with the exception of recounting, sorting, packing, storing banknotes, coins and valuables, as well as their issuance to banks and their clients on behalf of banks.

8. The licensing procedure of banking operations and other transactions, performed by banks under this Article, shall be established by the regulatory legal act of the authorized body.

9. The procedure for licensing banking operations carried out by organizations carrying out certain types of banking operations provided for by this article shall be established by regulatory legal acts of the authorized body and the National Bank of the Republic of Kazakhstan within their competence.

10. Regulatory legal acts of the authorized body and the National Bank of the Republic of Kazakhstan may establish additional requirements for banks and organizations engaged in certain types of banking operations related to their obtaining licenses for certain types of activities.

11. Banks, in addition to the banking transactions, provided for in paragraph 2 of this Article, shall be entitled to perform the following transactions if the license of the authorized body is provided:

1) acquisition, acceptance for pledge, registration, storage and sale of the refined precious metals (gold, silver, platinum and platinum group metals) in bars, coins, made of the precious metals;

2) acquisition, acceptance for pledge, registration, storage and sale of jewelry, containing precious metals and precious stones;

3) transactions with the bills: acceptance of bills for collection, rendering of the services for payment of bills by the payer, and payment of domiciled bills, the acceptance of bills through mediation;

4) leasing activities;

5) issuance of own securities (with the exception of shares);

6) factoring transactions: acquisition of rights to demand payment from the buyer of goods (works, services) with non-payment risk assumption;

7) forfeiting (forfeiting) transactions: payment of the debt obligations of the buyer of the goods (works, services) through the discount without recourse;

8) fiduciary operations: management of money, rights of claim for bank loans and refined precious metals in the interests and on behalf of the principal;

9) safe operations: services for storage of securities issued in documentary form, documents and valuables of clients, including the lease of safe boxes, cabinets and premises.

12. Banks shall be entitled to perform the following types of professional activities in the securities market:

1) brokerage activity –with the state securities of the Republic of Kazakhstan and the countries that have a minimum required rating of one of the rating agencies, or without it under the decision of the authorized body, derivative securities and derivative financial instruments, the list and the order of acquisition of the basic assets of which are determined by the authorized body;

2) dealer activity–with the state securities of the Republic of Kazakhstan and the countries that have a minimum required rating of one of the rating agencies, or without it under the decision of the authorized body, as well as derivative securities and derivative financial instruments, the list and the order of acquisition of the basic assets of which are determined by the authorized body, other securities, in the cases, established by Article 8 of this Law;

3) custodian activity;

4) transfer-agent activity.

A license for performing by the banks of one or more of the above-specified compatible types of professional activity in the securities market shall be issued by the authorized body.

The list of the rating agencies and the minimum required rating, specified in subparagraphs 1) and 2) of this paragraph shall be determined by the authorized body.

A bank that meets the criteria established by the regulatory legal act of the authorized body shall excercise brokerage activities based on a license in accordance with the legislation of the Republic of Kazakhstan on the securities market without taking into account the provisions of subparagraph 1) of part one of this paragraph.

13. Banking operations, provided in subparagraph 2) paragraph 2 of this Article shall be performed by banks only that are the members of the obligatory deposit insurance system, as well as the National Post in accordance with the legislative act of the Republic of Kazakhstan, regulating its activity, based on the license, issued by the authorized body.

Banking operations provided by subparagraph 2) of paragraph 2 of this Article may be carried out by the central depository, organizations that are not banks, carrying out brokerage and (or) dealer activities in the securities market, taking into account the features determined by the legislation of the Republic of Kazakhstan on the securities market.

In addition to the conditions provided for by parts one and two of this paragraph, the condition for the banking operations provided by branches of non-resident banks of the Republic of Kazakhstan, provided for in subparagraph 2) of paragraph 2 of this Article, shall be the acceptance from an individual of a deposit not lower than the amount equal to the equivalent of one hundred and twenty thousand US dollars.

Banks (excluding the banks, more than fifty percent of the placed shares of which directly or indirectly belong to the state and (or) the national managing holding), not having a parent bank or bank holding company, having minimal required rating of one of the rating agencies, which list is established by regulatory legal act of the authorized body or a major participant – individual shall not have the right to conduct banking operations, provided by subparagraph 2) of paragraph 2 of this Article.

14. The provisions of this Article shall apply to the activities of Islamic banks to the extent not contrary to the requirements, set out to the Islamic banks, specified in Article 52-1 of the Law.

Footnote. Article 30 is in the wording by the Law of the Republic of Kazakhstan dated 23.12.2005 No 107 (the order of enforcement See Art. 2 of the Law No 107); dated 07.07.2006 No 178 (shall be enforced on the day of its official publication); as amended by the Laws of the Republic of Kazakhstan dated 12.01.2007 No 222 (shall be enforced upon expiry of six months from the date of its official publication); dated 23.10.2008 No 72 -IV (the order of enforcement see Art. 2); dated 10.12.2008 No 101 -IV (shall be enforced on 01.01.2009); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 13.02.2009 No 135 -IV (the order of enforcement see Art. 3); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 01.03.2011 No 414 -IV (shall be enforced from 01.01.2010); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 26.11.2012 No 57 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 16.05.2014 № 203-V (shall be enforced upon expiry of six months after its first official publication); dated 27.04.2015 № 311-V (shall be enforced from 01.01.2015); dated 24.11.2015 № 419-V (shall be enforced from 01.01.2016); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 09.04.2016 № 499-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 29.03.2016 No. 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 26.07.2016 No. 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 166-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 27.12.2021 No. 87-VII (shall be enforced ten calendar days after the day of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 31. General requirements to the transactions, performed by banks

1. Banks shall be entitled to carry out banking activities only in the presence of rules, defining the general terms of operations and the internal rules.

1-1. Is excluded by the Law of the Republic of Kazakhstan dated 29.03.2016 № 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication).

2. The rules on general terms of operations shall be approved by the board of directors of the bank and shall contain the following information and procedures:

1) the maximum amounts and time limits of the deposits received and the loans allocated;

2) the maximum interest rates of remunerations on deposits and loans;

3) the terms of paying the remunerations on deposits and loans;

4) the requirements to the security, accepted by the bank;

5) limit values of rates and tariffs for conducting banking operations;

6) deadlines for decision making on rendering the banking services;

7) the procedure of considering the customers’ appeals, appearing after rendering the banking services;

8) the rights and liabilities of the bank and its customer, and their responsibility;

9) the rights and obligations of an Islamic bank and its client, the conditions of performing the banking transactions of an Islamic bank and the associated risks;

10) the provision on the order of work with the clients;

11) other conditions, requirements and restrictions that may be included in the general terms for operations by the board of directors.

The rules on general terms of operations shall have to comply with the order of rendering the banking services and consideration of the customers’ requests by the banks and organizations, engaged in certain types of banking operations, appearing during the rendering of the banking services, established by the regulatory legal act of the authorized body.

2-1. The rules on general terms of operations of an Islamic bank shall be approved by the board of directors of the Islamic bank, taking into account the requirement, provided by paragraph 3 of Article 52-2 of this Law.

3. The internal rules of the bank shall define:

a) the structure, tasks, functions and powers of the branches of the bank;

b) the structure, objectives, functions and powers of the internal audit service, credit committee and other regular bodies;

c) the rights and duties of the heads of the departments;

g) the powers of the officials and employees of the bank when performing transactions on its behalf and at its expense.

4. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

5. The bank shall be liable for wrongful actions (inaction) of the person rendering services to the bank on the basis of the contract (agreement) on attraction the clients, on carrying out checks for compliance with the requirements of the bank, transfer of the clients’ documents to the bank (hereinafter – a person rendering services to the bank) on the conditions of the relevant contract (agreement) of the bank with the specified person.

A contract (agreement) between the bank and the person rendering services to the bank, subject to presentation to the client for review and shall contain the bank's liability for misconduct of the person rendering the bank services specified in part one of this paragraph, before the client.

The order of the activities of the person, rendering services to the bank on the basis of a contract (agreement) between the bank and the person rendering services to the bank, shall be established by the rules of rendering services to the bank on attraction the clients, carrying out checks for compliance with the requirements of the bank, transfer of the clients’ documents to bank approved by the authorized body.

Footnote. Article 31, as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 16.05.2003 No 416; dated 19.02.2007 No 230 (the order of enforcement See Art. 2); dated 23.10. 72 No 2008 -IV (the order of enforcement see Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 29.03.2016 No. 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 09.04.2016 No. 499-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 31-1. Notification on approval of financial products by the bank, an organization carrying out certain types of banking operations

The bank, an organization, carrying out certain types of banking operations, shall notify the authorized body on approval of financial products by the body of the bank, organization, carrying out certain types of banking operations, authorized for approval of financial products within ten working days from the date of their approval.

The list of financial products, about the approval of which, the bank, organization, carrying out certain types of banking operations, shall notify the authorized body, the order of notification of the authorized body on approval of financial products of the bank, organization, carrying out certain types of banking operations, as well as the list of documents attached to the notification, shall be determined by the regulatory legal acts of the authorized body".

Footnote. Chapter 3 is supplemented by Article 31-1 in accordance with the Law of the Republic of Kazakhstan dated 16.05.2014 No. 203-V(shall be enforced upon expiry of six months after its first official publication); is in the wording of the Law of the Republic of Kazakhstan dated 29.03.2016 No. 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication).

Article 32. Bank’s obligations on disclosure of general conditions of transactions

1. Terms and conditions of making transactions shall be the public information and may not be a commercial or bank secrecy.

This regulation shall not apply to the conditions of performing a specific transaction, which, in accordance with this Law, is related to the bank secrecy or assigned by the bank to the category of commercial secrets in accordance with the applicable law.

2. At the request of a client, the banks shall be required to provide the Rules on general conditions of making transactions.

3. Banks shall have no right to refuse the client to provide information on the possible risks, associated with performing the operations.

4. (Is excluded - dated 19 February, 2007 No 230 (the order of enforcement see Article 2).

5. Islamic banks shall be obliged to explain the clients the particularities of the banking operations, specified in Article 52-5 of this Law and the associated risks.

6. The bank, within ten working days after obtaining a license to conduct banking or other operations, shall send a notification to customers in the manner provided for in the microcredit agreement on the voluntary reorganization of the microfinance organization in the form of conversion to a bank, indicating the list of banking and other operations.

7. A bank established as a result of a voluntary reorganization of a microfinance organization in the form of conversion into a bank shall be prohibited from changing the terms of microcredit agreements, with the exception of changing the conditions in the direction of improving them for borrowers.

Footnote. Article 32 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 23.12.2005 No 107 (the order of enforcement See Art. 2 of the Law No 107); dated 19.02.2007 No 230 (the order of enforcement See Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 33. Contractual nature of relationship between a bank and a client

1. The relationships between banks and between the banks and their clients shall be based on contracts, unless otherwise provided by the legislation of the Republic of Kazakhstan.

2. The bank’s clients shall have the right to open bank accounts in other banks with the notice of the bank creditor, unless otherwise provided by the legislation of the Republic of Kazakhstan.

3. The provisions of subparagraphs 2), 3), 5), 8), 9) and 10) of part one of paragraph 1 of Article 46, subparagraphs 2), 3) and 5) of paragraph 2 of Article 47-1, paragraph 1 and 7 of Article 48-1, paragraphs 5 and 7 of Article 59-3, of paragraph 3 of Article 61-6, paragraph 4 of Article 61-8, paragraphs 2 and 3 of Article 61-9, of paragraph 1 of Article 61-10, of subparagraph 1) of paragraph 13 of Article 61-11, of paragraph 4 of Article 61-12, paragraph 2 of Article 61-13, of paragraph 2 of Article 65, paragraphs 1 and 4-1 of Article 73 and paragraph 5 of Article 74-3 of this Law shall not apply in relation of setting-off of claims and (or) closing-out netting on a transaction(s) under a master financial agreement.

The parties to the master financial agreement shall carry out (apply) the offset of claims and (or) liquidation netting on the transaction (transactions) under the master financial agreement in the manner and on the terms specified in the master financial agreement.

A net claim arising (calculated) as a result of offsetting claims and (or) liquidation netting carried out (applied) in the manner and on the terms specified in the master financial agreement shall be satisfied on a general basis in accordance with the rules for settlements with creditors established by this Law and civil legislation of the Republic of Kazakhstan.

Footnote. Article 33 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 34. Bank borrowing transaction

1. Information on contracts for bank borrowing, leasing, factoring, for faiting transactions, bill discounting, issuance of guarantees, letters of credit, concluded by a bank, an organization, engaged in certain types of banking operations, shall be subject to a mandatory submission to the credit bureau with the state shareholding under the conditions, specified by the legislation of the Republic of Kazakhstan on credit bureaus and formation of credit records.

2. The procedure for concluding a bank loan agreement, including the requirements for the content, execution, mandatory terms of a bank loan agreement, the form of a loan repayment schedule and a memo for a borrower - an individual, is approved by a regulatory legal act of the authorized body, taking into account the requirements established by the civil legislation of the Republic of Kazakhstan.

2-1. Excluded by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

3. A bank, an organization carrying out certain types of banking operations, shall not have the right to change the terms of a bank loan agreement unilaterally, except in cases of their improvement for the borrower.

The improvement of the terms of the bank loan agreement for the borrower for the purposes of this paragraph shall be understood as follows:

change in the direction of reduction or complete abolition of commissions and other payments for the provision of services related to servicing a bank loan;

change in the direction of reduction or complete cancellation of the penalty (fine, penalty fee);

change in the direction of reduction of the rate of remuneration under a bank loan agreement;

deferral and (or) installment payments under a bank loan agreement;

change in the direction of reduction of the monetary liability for a mortgage loan issued in a foreign currency when replacing the foreign currency of the loan with the national currency of the Republic of Kazakhstan.

The bank loan agreement may provide for an additional list of improving conditions for the borrower.

In the event that a bank, an organization carrying out certain types of banking operations, improves conditions, the borrower shall be notified of a change in the terms of the bank loan agreement in the manner prescribed by the bank loan agreement, except for the case provided for in point six of part two of this paragraph.

The borrower shall have the right, within fourteen calendar days from the date of receipt of the notification, to refuse, in the manner prescribed in the bank loan agreement, from the conditions applied by the bank, organization engaged in certain types of banking operations.

In the event that a bank, an organization carrying out certain types of banking operations, improves the conditions provided for in paragraph six of part two of this clause, in order to implement the Program for Refinancing Mortgage Housing Loans (mortgage loans) approved by the National Bank of the Republic of Kazakhstan, an announcement on such condition shall be published. The announcement shall be published in periodicals distributed throughout the Republic of Kazakhstan, in Kazakh and Russian languages. The absence of a written objection from the borrower and (or) the mortgagor within thirty calendar days from the date of publication of the announcement shall be considered as the consent of the borrower and (or) the mortgagor to the application of the improving condition provided for in paragraph six of part two of this clause.

3-1. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

4. Indexation of commitments and payments under the bank loan contract, issued in the national currency, with reference to any currency equivalent, shall be prohibited. This restriction shall not apply to the contracts, concluded between banks.

5. Provision of bank loans to the entities, registered in offshore zones, the list of which shall be established by the authorized body, shall be prohibited.

6. A bank, an organization, performing certain types of banking operations, shall have no right to unilaterally suspend the issuance of new loans in the frames of the concluded bank borrowing contract (s), except for the following cases:

1) specified by the bank borrowing contract under which a bank, an organization, engaged in certain types of banking operations, has the right not to allocate new loans;

2) when the borrower breaches obligations to the bank, the organization, engaged in certain types of banking operations under the bank loan contract;

3) worsening of the financial condition of the borrower, revealed after the monitoring, conducted by the bank, the organization, engaged in certain types of banking operations, in accordance with the requirements of the regulatory legal act of the authorized body;

4) changes in the requirements of the legislation of the Republic of Kazakhstan, affecting the proper performance of the bank loan contract by the bank, the organization, engaged in certain types of banking operations.

6-1. Under a bank loan agreement of a borrower - an individual who is not associated with entrepreneurial activities, a bank, an organization engaged in certain types of banking operations, is prohibited from demanding payment of remuneration, penalties (fines, penalties), as well as commissions and other payments related to the issuance and servicing loan accrued after ninety consecutive calendar days of delay in fulfilling the obligation to repay any of the payments on the amounts of the principal debt and (or) interest.

The requirement of this clause does not apply to a bank loan agreement if, on the date of its conclusion, the amount of the principal debt was fully secured by a pledge of property subject to registration and (or) a pledge of money.

6-2. When changing the terms of the execution of a bank loan agreement for an individual not related to entrepreneurial activity, or issuing a new loan in order to repay a bank loan of an individual not related to entrepreneurial activity, the accrual of interest on the overdue interest capitalized (summed up) to the amount of the principal debt, forfeit (fines, penalties), commissions and other payments related to the issuance and servicing of a loan shall not be allowed.

7. Within fourteen calendar days from the date of the loan contract concluding, a borrower - individual entity, that has received a loan that is not associated with business activities, for the purchase of goods, works and services, shall be entitled to return the loan with payment of the remuneration, charged by the bank from the date of the loan allocation.

In the case, provided for in this paragraph, penalty or other kinds of fines for return of the loan shall not be charged.

7-1. The amount of payment made by the borrower under the bank loan contract concluded with an individual, if it is insufficient to fulfill the obligations of the borrower under the bank loan contract, shall repay the debt of the borrower in the following order:

1) arrears on the principal debt;

2) arrears on the remuneration;

3) forfeit (fine, penalty) in the amount determined in accordance with paragraph 2 of Article 35 of this Law;

4) the amount of the principal debt for the current payments period;

5) remuneration accrued for the current payments period;

5-1) commissions and other payments related to the issuance and maintenance of the loan;

6) the costs of the creditor in obtaining performance.

After ninety consecutive calendar days of delay, the amount of the payment made by the borrower under the bank loan agreement concluded with an individual, if it is insufficient to fulfill the borrower's obligation under the bank loan agreement, repays the borrower's debt in the following order:

1) arrears on the principal debt;

2) arrears on the remuneration;

3) the amount of the principal debt for the current payments period;

4) remuneration accrued for the current payments period;

5) forfeit (fine, penalty) in the amount determined in accordance with paragraph 2 of Article 35 of this Law;

5-1) debt on commissions and other payments related to the issuance and servicing of a loan;

6) the costs of the creditor in obtaining performance.

8. Bank lending operations are carried out in accordance with the Rules on internal credit policy, approved by the management body of the bank, mortgage organization or organization that provides loans to agro-industrial complex entities, one hundred percent of the voting shares of which directly or indirectly belong to the national managing holding.

9. The body, conducting the internal credit policy, shall be the credit committee of the bank.

10. The rules of internal credit policy shall be designed to reduce risks of the bank borrowing transaction and define:

1) the loan conditions for individual and legal entities;

2) the loan conditions for the bank’s officials and employees;

3) the organizational structure, functions and powers of the credit committee;

4) responsibilities of the members of the credit committee;

5) credit limits;

6) the procedure for approval of loan agreements;

6-1) the need for credit scoring for issuing a bank loan to an individual;

7) time limits for consideration of applications for credit granting, a decision making to allocate (or refuse to issue) a loan, and the changing of the credit conditions.

10-1. When considering the issue of a bank loan, the bank shall take into account the credit scoring of an individual calculated on the basis of its own methodology, or the credit scoring provided by the credit bureau.

11. In case if the terms of the loan contract stipulate the requirements for conclusion of insurance contracts and (or) organization of assessment in order to define the market value of the property as the collateral, the bank, the organization, performing certain types of banking transactions, shall not be entitled to restrict the borrower, the mortgagor in selecting an insurance organization and (or) an appraiser.

The bank loan contract may not oblige the borrower to insure his life or health.

12. The norms, established by paragraphs 4, 5, 8-11 of this Article shall be applied to the operations of banks in issuing guarantees and sureties, as well as to the operations of Islamic banks specified in subparagraphs 3), 4), 4-1) and 5) of paragraph 1 of Article 52-5 of this Law.

13. Particularities and limitations of bank loan and other operations of an Islamic bank shall be established by Chapter 4-1 of this Law.

14. When assigning rights (claims) under a bank loan agreement to a third party, the requirements and restrictions imposed by the legislation of the Republic of Kazakhstan on the relationship of the creditor with the borrower under the bank loan agreement shall extend their effect to the legal relationship of the borrower with the third party to whom the rights (claims) under the bank loan agreement have been assigned, and in case of the transfer of rights (claims) under a bank loan agreement to the trust management of a service company, the requirements and restrictions imposed by the legislation of the Republic of Kazakhstan on the relationship of the creditor with the borrower under the bank loan agreement shall extend their effect to the legal relationship of the borrower with the service company.

Violation by a third party to which the rights (claims) under a bank loan agreement are assigned, as well as by a service company of the requirements and restrictions imposed by the legislation of the Republic of Kazakhstan on the relationship of a creditor with a borrower under a bank loan agreement, shall entail the liability established by the laws of the Republic of Kazakhstan.

Footnote. Article 34 is in the wording by the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Laws of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 17.07.2015 No. 333-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 No. 422-V (the procedure for enforcement, see Article 2); dated 06.05.2017 No. 63-VI (shall be enforced upon expiry of twenty - one calendar days after its first official publication); dated 24.05.2018 No. 156-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (entry into force see Article 2); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated December 27, 2019 No. 291-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 03.07.2020 No. 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 24.05.2021 No. 43-VII (shall come into force from 01.10.2021); dated 27.12.2021 No. 87-VII (shall be enforced upon expiration of ten calendar days after the day of its first official publication); dated 31.12.2021 No. 100 (see Article 2 for the entry into force); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 34-1. Features of a mortgage loan of an individual not related to entrepreneurial activity

1. Before signing the mortgage loan contract with an individual not related to entrepreneurial activity, the bank, organization, carrying out certain types of banking operations shall be obliged to carry out comprehensive, complete and qualitative assessment of creditworthiness (solvency) of the borrower in accordance with the internal rules of the bank, organization, carrying out certain types of banking operations (hereinafter – the proper assessment of the borrower’s creditworthiness).

For the purposes of this Article, a proper assessment of the borrower’s creditworthiness shall be recognized the activities of the bank, an organization carrying out certain types of banking operations, by determination of:

1) the possibility to fulfill the obligations by the borrower under the mortgage loan contract of an individual not related to entrepreneurial activity, confirmed by one of the following documents at the discretion of the bank, organization, carrying out certain types of banking operations:

the statement of the unified accumulative pension bund from the individual pension account for the last six months;

the certificate of income from the place of work for the last six months;

tax return on individual income tax of the borrower-an individual for the last tax period;

other documents reflecting availability of possibility for execution of obligations of the borrower under the mortgage loan contract of an individual, not related to entrepreneurial activity, in accordance with internal documents and procedures of the bank, organization, carrying out performing certain types of banking operations;

2) presence or absence of the borrower's credit history for the last six months;

3) presence or absence of debts on taxes and other mandatory payments to the budget;

4) presence or absence of debt reflected in the credit report to third parties.

Proper assessment of the borrower’s creditworthiness together with information on the borrower shall take into account the information on the individual (co-borrower), acting under the mortgage loan contract of an individual not related to entrepreneurial activity, as jointly and severally responsible for the fulfillment of obligations on repayment of the loan.

A bank, an organization, carrying out certain types of banking operations, shall not be responsible for submission of false information by the borrower (co-borrower) to the bank, organization, carrying out certain types of banking operations, for proper assessment of the borrower’s creditworthiness, provided by this paragraph.

2. It is prohibited to provide mortgage loans not related to entrepreneurial activity in foreign currency to the individuals who do not have income in this currency within six consecutive months preceding the date of the individual’s appeal.

3. A bank, an organization carrying out certain types of banking operations, shall not be entitled under the mortgage loan contracts of an individual, not related to entrepreneurial activity to establish and charge fees for maintaining a bank account related to the issuance and maintenance of a mortgage loan, as well as for crediting a loan to a bank account.

4. Upon changing the conditions of execution of the mortgage housing loan contract of an individual, not related to entrepreneurial activity or issuing a new loan to repay a mortgage housing loan, capitalization (the summation of) the past due interest payments, forfeit (fine, penalty) to the amount of the principal debt shall not be allowed.

5. The borrower, who is an individual, shall be obliged to ensure the targeted use of the mortgage housing loan.

A bank, an organization, carrying out certain types of banking operations, shall exercise control over the targeted use of housing mortgage loan of an individual in the manner established by the mortgage housing loan contract.

In case of improper use of mortgage housing loan of an individual, not related to entrepreneurial activity, the borrower shall be obliged to prematurely return to the bank, organization, carrying out certain types of banking operations, the mortgage housing loan and to pay compensation in parts of the used housing mortgage loan, accrued under the mortgage housing loan contract for the entire period of use of the subject of the mortgage housing loan.

6. The borrower shall inform the bank, the organization carrying out certain types of banking operations, of all changes related to the personality of the borrower, within fifteen working days from the date of such changes.

ъChanges related to the personality of the borrower include changes in his/her place of residence, change of surname, name, patronymic (if it is specified in the identity document), replacement of identity documents, change of contact information used to communicate with the borrower, and the method of communication.

The statement of the bank, the organization carrying out certain types of banking operations, about non-receipt of information from the borrower about all changes, related to his/her personality, shall not be violation from the part of the borrower of requirements of this Article if the borrower proves that information was sent properly.

7. Excluded by the Law of the Republic of Kazakhstan dated 24.05.2021 No. 43-VII (shall come into force from 01.10.2021).
8. Excluded by the Law of the Republic of Kazakhstan dated 24.05.2021 No. 43-VII (shall come into force from 01.10.2021).

9. In order to prevent an increase in the debt of a borrower who is an individual, a bank, an organization carrying out certain types of banking operations, shall be prohibited to demand payment of remuneration, penalties (fines, penalties), as well as commissions and other payments related to the issuance and servicing of a loan, accrued after the expiration of one hundred and eighty consecutive calendar days of delay in fulfilling the obligation to repay any of the payments on the amounts of the principal debt and (or) interest under the mortgage loan agreement of an individual not related to entrepreneurial activity.

10. The amount of the payment made by the borrower, if it is insufficient to fulfill the borrower's obligation under the mortgage loan contract of an individual not connected with entrepreneurial activity, shall repay the borrower's debt in the following order:

1) arrears on the remuneration;

2) arrears on commissions and other payments related to the issuance and maintenance of a mortgage loan;

3) forfeit (fine, penalty) in the amount determined in accordance with paragraph 2 of Article 35 of this Law;

4) remuneration accrued for the current payment period;

5) commissions and other payments related to the issuance and maintenance of a mortgage loan;

6) the costs of the bank, an organization carrying out certain types of banking operations, in obtaining execution;

7) arrears on the principal debt;

8) the amount of the principal debt for the current payments period.

Footnote. Chapter 3 is supplemented by Article 34-1 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); as amended by the Law of the Republic of Kazakhstan dated 21.01.2019 No. 217-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.05.2021 No. 43-VII (shall come into force from 01.10.2021).

Article 35. Ensuring the loans’ recovery

1. The loans’ recoverability may be ensured by forfeit, pledge, guarantee, warranty and other means, provided by the legislation of the Republic of Kazakhstan or by the contract.

2. The size of forfeit (fine, penalty) for violation of the obligation to return the amount of the loan and (or) payment of remuneration on the bank loan agreement, concluded with an individual, cannot exceed within ninety days of delay 0.5 percent of the overdue payment for each day of delay, upon expiry of ninety days of delay, cannot exceed 0.03 percent of the overdue payment for each day of delay, but not more than ten percent of the amount of the loan granted for each year of the contract of a bank loan.

3. Under the condition of high creditworthiness and reliability of a client, the bank shall have the right to take a decision on allocating a loan without security (blank credit). The criteria for the unsecured loan (a blank credit) shall be established by the regulatory legal act of the authorized body.

4. If several collaterals are provided to ensure the loan’s recovery, in the event of proper fulfillment of obligations by the borrower under the bank loan contract and under the condition that the market value of the collateral, defined by the appraiser at the time of the borrower, the mortgagor application on reduction of the collateral, exceeds the amount of the unexecuted part of the borrower’s obligations, taking into account the requirements of the bank’s collateral policy (the organization performing certain types of banking operations), within ten working days from the date of the borrower, the mortgagor application, the bank (organization, fulfilling certain types of banking operations) shall take measures to terminate (change) contract (contracts) on pledge of one or more collaterals in the part, exceeding the amount of the borrower’s obligation.

4-1. If the amount of unfulfilled obligations is less than ten percent of the value of the collateral, the bank (an organization carrying out certain types of banking operations) is obliged, within twenty working days from the date of the application of borrower, mortgagor, to consider, taking into account the requirements of the collateral policy of the bank (an organization carrying out certain types of banking operations) replacement of the subject of pledge with other property, the market value of which, determined by the appraiser at the time of application, covers the amount of the unfulfilled obligation.

5. In cases stipulated by the pledge contract, as well as by legislative acts of the Republic of Kazakhstan, the bank shall have the right to independently sell the pledged property out of court by means of bidding (auction).

6. The standards, established by paragraphs 1 - 5 of this Article shall apply to the bank operations on guarantees and warranties issuance.

Footnote. Article 35 is in the wording by the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 No. 422-V (shall be enforced from 01.07.2016); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 31.12.2021 No. 100 (shall be enforced upon expiration of ten calendar days after the day of its first official publication).

Article 36. Conditions and procedure for settlement of a debt and measures applied to an insolvent borrower

Footnote. Heading of Article 36 - as amended by the Law of the Republic of Kazakhstan dated 24.05.2021 No. 43-VII (shall come into force from 01.10.2021).

1. If there is a delay in the performance of obligations under the bank loan contract, but not later than thirty calendar days from the date of its occurrence, the bank (organization carrying out certain types of banking operations) shall be obliged to notify borrower in the manner and for the terms provided in the bank loan contract, about:

1) the occurrence of a delay in fulfilling an obligation under a bank loan agreement and the need to make payments under a bank loan agreement indicating the amount of overdue debt as of the date specified in the notification;

1-1) the right of a borrower - an individual under a bank loan agreement to apply to a bank (an organization carrying out certain types of banking operations);

2) the consequences of the borrower's failure to fulfill his/her obligations under the bank loan contract.

A bank (an organization, carrying out certain types of banking operations) shall have the right to attract a collection agency to notify the borrower.

1-1. Within thirty calendar days from the date of the delay in fulfilling the obligation under the bank loan agreement, the borrower-individual shall have the right to visit the bank (an organization carrying out certain types of banking operations) and (or) submit in writing or in the manner prescribed by the bank loan agreement, an application containing information about the reasons for the delay in fulfilling the obligation under the bank loan agreement, income and other confirmed circumstances (facts) that determine his application for amendments to the terms of the bank loan agreement, including those related to:

1) the change in the direction of reduction of the interest rate under the bank loan contract;

2) the change of the currency of the amount of the balance of the principal debt on a bank loan issued in foreign currency to the national currency;

3) deferred payment on the principal debt and (or) remuneration;

4) the change of the method of debt repayment or the order of debt repayment, including the repayment of principal debt in the priority order;

5) changing the term of a bank loan;

6) release from the overdue principal debt and (or) remuneration, cancellation of the penalty (fine, penalty fee), commissions and other payments related to servicing a bank loan;

7) self-realization by the mortgagor of immovable property that is the subject of mortgage, in accordance with the procedure, provided for by Article 20-1 of the Law of the Republic of Kazakhstan “On Mortgage of Immovable Property”;

8) submission of a compensation in exchange for the fulfillment of an obligation under a bank loan agreement by transferring collateral property to a bank (an organization carrying out certain types of banking operations);

9) sale of immovable property that is the subject of mortgage, with the transfer of obligations under a bank loan agreement to the buyer.

1-2. The bank (an organization carrying out certain types of banking operations) within fifteen calendar days after the date of receipt of the application of the borrower - an individual, considers the proposed changes to the terms of the bank loan agreement in the manner established by the regulatory legal act of the authorized body, and in writing or in accordance with the procedure provided for by the agreement bank loan, shall inform the borrower - an individual about:

1) the acceptance of the proposed amendments to the terms of the bank loan contract;

2) their proposals on the amendments to the terms of the bank loan contract;

3) refusal to change the terms of the bank loan contract with the indication of a reasoned justification of the reasons for such refusal.

2. If the requirement provided for in subparagraph 1) of part one of paragraph 1 of this Article is not satisfied, the bank (an organization carrying out certain types of banking operations) shall have the right to impose a penalty in an undisputed manner on money, including by submitting a payment claim available in the bank accounts of the borrower (if such penalty is stipulated in the bank loan agreement), with the exception of money (electronic money) received by the borrower in the form of benefits and social payments paid from the state budget and (or) the State Social Insurance Fund located in bank accounts opened upon request the borrower, in the manner determined by the regulatory legal act of the National Bank of the Republic of Kazakhstan, alimony (money intended for the maintenance of minors and disabled adult children) held in bank accounts opened at the request of the borrower in the manner determined by the regulatory legal act of the National Bank of the Republic of Kazakhstan, as well as housing payments provided for by the Law of the Republic of Kazakhstan “On Housing Relations”, money held in bank accounts in a housing construction savings bank intended for crediting payments and subsidies in order to pay for rented housing in a private housing stock, target savings and (or) payments of targeted savings from the unified accumulative pension fund in order to improve living conditions and (or) pay for education, lump-sum pension payments from the unified accumulative pension fund in order to improve living conditions and (or) pay for treatment, provided for by the legislation of the Republic of Kazakhstan on social protection, money, held in bank accounts in housing construction savings banks in the form of housing construction savings accumulated through the use of housing payments, in the form of payments of targeted savings from the unified accumulative pension fund in order to improve living conditions and (or) pay for education, money in bank accounts in second-tier banks in the form of savings for major repairs of the common property of the condominium object, with the exception of penalties based on court decisions in cases of failure to fulfill obligations under contracts concluded for the purpose of carrying out major repairs of the common property of the condominium object, money in bank accounts intended for crediting compensation for investment costs in accordance with the legislation of the Republic of Kazakhstan in the field of public-private partnerships and concessions, money deposited under the terms of a notary deposit, money in bank accounts intended for accounting for the money of the manager’s clients investment portfolio, for the unfulfilled obligations of this investment portfolio manager, money in bank accounts intended for accounting for the money of clients of the person performing the functions of a nominal holder, for the unfulfilled obligations of this person performing the functions of a nominal holder, money in bank accounts for the implementation of clearing activities for transactions with financial instruments, money held in bank accounts under an agreement on educational savings deposit, concluded in accordance with the Law of the Republic of Kazakhstan “On the State Educational Savings System”, money in the current accounts of private bailiffs intended for storing collected amounts in favor of collectors, money in the bank accounts of the borrower - a citizen of the Republic of Kazakhstan, against whom a case has been initiated to apply the procedure for restoring solvency, extrajudicial or judicial bankruptcy in the manner prescribed by the Law of the Republic of Kazakhstan “On restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan.

It is not allowed to collect debts under a bank loan agreement by a payment claim at the expense of money held in savings bank accounts that are the subject of collateral for issued bank loans in the amount of the outstanding principal debt on such bank loans.

Restrictions regarding the withdrawal of money held in bank accounts intended for crediting compensation for investment costs do not apply to claims related to the first, second and third queues in accordance with the priority provided for in paragraph 2 of Article 742 of the Civil Code of the Republic of Kazakhstan.

Debt collection of a borrower – an individual under a bank loan agreement by submitting a payment request is limited to fifty percent of the amount of money held in his bank account and (or) of each amount of money received subsequently to the borrower's bank account, and is carried out without waiting for the receipt of the entire amount necessary for full execution of the payment request. At the same time, the amount of money saved on the current account of an individual must be at least the size of the subsistence minimum established for the corresponding financial year by the law on the republican budget. This restriction does not apply to the money held in the savings account of the borrower – an individual.

2-1. In cases of dissatisfaction with the requirement provided for in subparagraph 1) the first part of paragraph 1 of this article, as well as the non–realization by the individual borrower under the bank loan agreement of the rights provided for in paragraph 1-1 of this article, or the lack of agreement between the individual borrower and the bank (organization performing certain types of banking operations) to change the terms of the bank loan agreement bank (organization performing certain types of banking operations), in addition to the measures provided for in paragraph 2 of this article, has the right:

1) consider the application of measures against the borrower.

The decision on the application of measures is made in accordance with the Rules on the Internal Credit Policy of the bank (organization performing Certain Types of Banking Operations);

2) передать задолженность на досудебные взыскание и урегулирование коллекторскому агентству.

The transfer of debt for pre-trial collection and settlement to a collection agency is allowed if there is a right in the bank loan agreement of the bank (an organization that performs certain types of banking operations) to attract a collection agency if the borrower assumes a delay in fulfilling obligations under the bank loan agreement.

During the period when the debt is under pre-trial collection and settlement with the collection agency, the bank (an organization that performs certain types of banking operations) is not entitled to:

to file a claim with the court for debt collection;

to demand payment of remuneration, commissions and other payments related to the issuance and servicing of the loan for the period when the debt is in the work of the collection agency, as well as to charge a penalty (fine, penalty fee) for late repayment of the principal debt and remuneration during the specified period;

3) assign the right (claim) under the bank loan agreement to the person specified in paragraph 4 of Article 36-1 of this Law, if the borrower has a delay in fulfilling the obligation under the bank loan agreement of an individual not related to entrepreneurial activity for more than ninety consecutive calendar days, for a mortgage loan issued to an individual – over one hundred and eighty consecutive calendar days;

The requirement of this subparagraph does not extend to cases of application in relation to the borrower - a citizen of the Republic of Kazakhstan of the procedure for restoring solvency, out-of-court or judicial bankruptcy in the manner prescribed by the Law of the Republic of Kazakhstan "On the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan";

4) apply measures provided for by the legislation of the Republic of Kazakhstan and (or) a bank loan agreement, including filing a lawsuit with the court to recover the amount of debt under the bank loan agreement, as well as foreclose on mortgaged property out of court, except for cases provided for by the Law of the Republic of Kazakhstan "On Mortgage of Immovable Property", or in court;

5) file a lawsuit with the court to declare the borrower – an individual entrepreneur, a legal entity bankrupt in accordance with the legislation of the Republic of Kazakhstan.

2-2. A bank (an organization carrying out certain types of banking operations) that has received a petition from the mortgagor, whose property secures the obligations of the borrower under a mortgage loan agreement secured by housing of an individual not related to entrepreneurial activities, on the independent sale of real estate, filed in the manner prescribed by the Law of the Republic Kazakhstan "On the Mortgage of Real Estate", suspends the measures in relation to the borrower and the mortgagor, provided for in paragraphs 2 and 2-1 of this article.

      3. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).
      4. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).
      Footnote. Article 36 is in the wording of the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); as amended by the laws of the Republic of Kazakhstan dated 26.07.2016 No. 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 06.05.2017 No. 63-VI (the order of enforcement see Article 2); dated 12.12.2017 № 114-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 04.07.2018 No. 171-VI (shall be enforced upon expiry of ten calendar days after the date of its first official publication); dated 21.01.2019 No. 217-VI (for the procedure of enactment see art. 3); dated 03.07.2019 No. 262-VI (the order of enforcement see Art. 2 ); dated December 26, 2019 No. 284-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 26.06.2020 No. 349-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 03.07.2020 No. 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 30.12.2020 No. 397-VI (shall come into force upon expiration of six calendar months after the date of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force from 01.01.2021); dated 24.05.2021 No. 43-VII (effective from 01.10.2021); dated 31.12.2021 No. 100 (shall be enforced upon expiration of ten calendar days after the day of its first official publication); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 No. 177-VII (shall be enforced ten calendar days after the date of its first official publication); dated 30.12.2022 No. 179-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 20.04.2023 No. 226-VII (shall be enforced from 01.07.2023); dated 16.11.2023 No. 40-VIII (shall be enforced from 01.01.2024).

Article 36-1. The procedure for transfer of debt to pre-trial collection and settlement or assignment of the right (claim)

1. The bank, organization, carrying out certain types of banking operations, shall be prohibited to conclude a contract with third parties, the subject of which is rendering services for pre-trial collection and settlement of debt, as well as to gather information related to the debt (hereinafter – the contract on debt recovery), except the case of concluding such contract with the collection agency.

2. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).
3. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

4. A bank, an organization carrying out certain types of banking operations, shall be prohibited from assigning rights (claims) under a bank loan agreement to a third party, with the exception of the assignment of rights (claims) to the following persons:

collection agency;

bank

organizations carrying out certain types of banking operations;

a subsidiary of the bank acquiring doubtful and loss assets of the parent bank;

an organization specializing in improving the quality of loan portfolios of second-tier banks;

a special financial company established in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization, in a securitization transaction;

a person carrying out the repurchase of mortgage loans of individuals not related to entrepreneurial activity, one hundred percent of whose shares are owned by the National Bank of the Republic of Kazakhstan;

a special fund for the development of private entrepreneurship - under a bank loan agreement concluded as part of a transaction for financing private entrepreneurship entities by conditional placement of funds in banks and organizations engaged in certain types of banking operations;

another person - in relation to the right (claim) under a bank loan agreement of an individual related to the implementation of entrepreneurial activities, or under a bank loan agreement of a legal entity, for which signs of impairment have been identified in accordance with international financial reporting standards, including at the time of acquisition or emergence (creation) of a right (claim) under a bank loan agreement.

The person specified in the tenth item of the first part of this paragraph transfers the received rights (claims) under the bank loan agreement to the service company in trust management in one of the following cases:

rights (claims) obtained under a bank loan agreement of an individual associated with entrepreneurial activities;

rights (claims) received under a bank loan agreement of a legal entity, the amount of debt on which does not exceed 16,500 times the monthly calculation index established by the law on the republican budget as of the date of assignment;

if the person to whom the rights (claims) were assigned under the bank loan agreement is a non-resident of the Republic of Kazakhstan.

The rights (claims) under bank loan agreements may be transferred to a service company if the following conditions are met simultaneously:

1) the size of the authorized capital of the collection agency, the equity capital of the parent organization of the subsidiary of the bank, acquiring doubtful and loss assets of the parent bank, is not less than the minimum value established by the regulatory legal act of the authorized body;

2) carrying out activities for three years from the date of:

issuance to a bank or a bank holding company of permission to create a subsidiary by the bank, acquiring doubtful and loss assets of the parent bank;

inclusion of a collection agency in the register of collection agencies;

3) absence as of the date of inclusion in the register of service companies of unfulfilled and (or) existing supervisory response measures or limited enforcement measures applied by the authorized body, and administrative penalties for administrative offenses, provided for in Article 211-1 and part one of Article 227 Of the Code of the Republic of Kazakhstan on Administrative Infractions;

4) lack of an unexpunged or outstanding criminal record at the first head of the service company;

5) compliance of the service company with the requirements established by the authorized body.

Requirements for subsidiaries of the bank acquiring doubtful and loss assets of the parent bank, and collection agencies acting as service companies, to which the rights (claims) under bank loan agreements may be transferred to trust management, shall be established by the regulatory legal act of the authorized body.

The authorized body shall keep and post on its Internet resource a register of service companies that meet the requirements of the legislation of the Republic of Kazakhstan.

The exclusion of a service company from the register of service companies shall be the basis for terminating the agreement on trust management of rights (claims).

In case of the transfer of rights (claims) under a bank loan agreement to the trust management of a service company, the person specified in paragraph ten of part one of this paragraph shall exercise the rights of the creditor in relation to the right (claim) assigned to him under a bank loan agreement under an agreement on trust management of rights (claims), concluded with the service company, or by assigning it to the persons specified in part one of this paragraph.

In case of termination of the agreement on trust management of rights (claims) with the service company, the person specified in paragraph ten of part one of this paragraph shall be obliged to conclude an agreement on trust management of rights (claims) with another service company or assign the rights (claims) to the persons specified in part one of this paragraph.

The requirements of this paragraph shall not apply to cases of assignment by the bank of the right (claim) to the National Bank of the Republic of Kazakhstan in order to fulfill obligations under the loan of last resort.

5. The bank, an organization carrying out certain types of banking operations shall not have the right to assign the right (claim) under a bank loan contract without the consent of the borrower, unless otherwise provided by the laws of the Republic of Kazakhstan or a bank loan contract.

5-1. A bank, an organization carrying out certain types of banking operations, shall not be entitled to assign the right (claim) under a bank loan agreement secured by a pledge of property to the persons specified in part one of paragraph 4 of this Article, without assessing the value of the property carried out by the appraiser during the last six months prior to the assignment of the right (claim) in accordance with the Law of the Republic of Kazakhstan “On Valuation Activity in the Republic of Kazakhstan”.

6. Assignment of rights (claims) under a bank loan agreement in respect of one borrower to several persons shall not be allowed, except in cases where these rights (claims) are the subject of a securitization transaction.

7. When concluding an agreement on the assignment of rights (claims) under a bank loan agreement (hereinafter referred to as the assignment agreement), a bank, an organization carrying out certain types of banking operations, shall be obliged:

1) prior to the conclusion of the assignment agreement, to notify the borrower (or his authorized representative) of the possibility of transferring rights (claims) under the bank loan agreement to a third party, as well as the processing of the borrower's personal data in connection with such an assignment in the manner provided for in the bank loan agreement or not contrary to the legislation of the Republic of Kazakhstan;

2) to notify the borrower (or his authorized representative) of the transfer of rights (claims) under the bank loan agreement to a third party in the manner provided for in the bank loan agreement or not contrary to the legislation of the Republic of Kazakhstan, within thirty calendar days from the date of conclusion of the assignment agreement, indicating the need to make further payments under the bank loan agreement to a third party (name, location and bank details of the person to whom the rights (claims) under the bank loan agreement were assigned, or in the event of transfer of rights (claims) ) under a bank loan agreement for trust management - to a service company), the amount of transferred rights (claims) under a bank loan agreement, the amount and structure of debt under a bank loan agreement (principal debt, remuneration, commissions, forfeit (fine, penalty) and other payable amounts;

3) to transfer the following documents to the person to whom the rights (claims) under the bank loan agreement have been assigned, or to the service company (in the case of the transfer of rights (claims) under the bank loan agreement to the trust management of the service company):

bank loan agreement;

pledge agreement and title documents for the subject of pledge (if the fulfillment of obligations under the bank loan agreement is secured by pledge);

surety or guarantee agreement (if the fulfillment of obligations under a bank loan agreement is secured by a surety or guarantee);

calculations of the borrower's debt as of the date of assignment of rights (claims);

claim correspondence with the borrower (if any);

constituent documents of the borrower - a legal entity, an identity document of the borrower - an individual;

documents confirming the repayment of debt by the borrower;

documents on the sale of the pledged property (if any);

other documents in accordance with the assignment agreement.

In case of the assignment of all rights (claims) to the borrower, the bank, an organization carrying out certain types of banking operations, transfers to the person to whom the right (claim) is assigned under a bank loan agreement, all original documents they have, and in case of transfer of rights (claims) under a bank loan agreement, the originals of the indicated documents shall be transferred to the service company for trust management of the service company.

A person to whom rights (claims) have been assigned under a bank loan agreement, a service company shall bear responsibility established by the laws of the Republic of Kazakhstan for the loss of originals of title documents for property that is a security for the fulfillment of obligations under a bank loan agreement, a bank (an organization carrying out certain types of banking operations).

In case of assignment of part of the rights (claims) to the borrower, the bank, the organization carrying out certain types of banking operations, shall have the right to keep the original documents certifying such rights (claims) and transfer to the person to whom the right (claim) under the bank loan agreement is partially assigned, notarized copies of the specified documents, and in case of transfer of a part of the rights (claims) under the bank loan agreement to the trust management of the service company, notarized copies of the specified documents are transferred to the service company;

4) after the conclusion of the assignment agreement, to transfer the money received to pay off the debt under the bank loan agreement to the bank account of the person to whom the rights (claims) under the bank loan agreement were assigned, providing a breakdown of payments in the context of each borrower.

8. A person to whom the right (claim) of a bank, an organization carrying out certain types of banking operations has been assigned, under a bank loan agreement, shall be prohibited from assigning such a right (claim) without observing the conditions provided for by this article.

Footnote. Chapter 2 is supplemented by Article 36-1 in accordance with the Law of the Republic of Kazakhstan dated 06.05.2017 No. 63-VI (shall be enforced upon expiry of twenty - one calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (the order of enforcement see Article 2); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 13.05.2020 No. 325-VІ (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 37. Limitation period

The limitation period at the request of banks, subsidiaries of banks acquiring dubious and hopeless assets of the parent bank, the organization specified in paragraph 8 of Article 61-4 of this Law, as well as the organization specializing in improving the quality of credit portfolios of second-tier banks, to the borrowers for non-execution and (or) improper execution of bank loan contracts shall be five years.

Footnote. Article 37 is in the wording of the Law of the Republic of Kazakhstan dated 06.05.2017 No. 63-VI (shall be enforced from 01.10.2017).

Article 38. Making payments and money transfers

1. Banks shall make payments and money transfers on the territory of the Republic of Kazakhstan in the order established by the legislation.

1-1. Second-tier banks and organizations, carrying out certain types of banking operations, for provision of services to the population related to reception and payment for rendering services in electronic form through the web portal "electronic government", shall carry out integration of their information systems with the payment gateway of "electronic government" directly or through the information system of the operator of interbank money transfer system.

1-2. Banks and organizations, carrying out certain types of banking operations, for provision the state revenues bodies with information on current accounts, opened for value added tax accounting, shall carry out interaction of their information systems with the information system of the state revenues bodies in the order, determined by the authorized body in the field of informatization.

2. In case of improper payments and money transfers, the bank shall be liable in accordance with the legislation of the Republic of Kazakhstan and the contract concluded with the client (depositor).

3. International payments and money transfers shall be carried out by the banks in the forms, methods and in the order, used in international banking practice and not contradicting the current legislation of the Republic of Kazakhstan.

4. The bank shall have the right to withdraw money from the accounts of customers (depositors) without their consent in the presence of documents confirming the forgery of payment documents, as well as in establishing the fact of their erroneous crediting.

Footnote. Article 38 as amended by the laws of the Republic of Kazakhstan from 11.07.1997 No. 154; dated 16.07.1999 No. 436; dated 24.11.2015 No. 419-V (shall be enforced from 01.01.2016); dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2019); dated 02.04.2019 No. 241-VI (shall be enforced from 01.01.2019).

Article 39. Rates and tariffs

1. Interest rates and fees as well as the tariffs for banking services shall be established by the banks, the organizations, performing certain types of banking operations independently, taking into account the restrictions, imposed by the Laws of the Republic of Kazakhstan.

2. In bank loan contracts concluded with individuals, including mortgage loan contracts, a fixed or floating interest rate shall be established and the method of repayment of the loan at the choice of the borrower from those proposed by the bank on the date of conclusion of the bank loan shall be specified by the banks, organizations carrying out certain types of banking operations,.

Before signing the bank loan contract in the cases provided by regulatory legal act of the authorized body, the bank, organization, carrying out certain types of banking operations, shall be obliged to provide an individual with the drafts of schedules of the loan repayment, calculated by different methods to choose the method of the loan repayment. The borrower on a mandatory manner, must be presented with draft of schedules of the loan repayment calculated in accordance with the methods of calculating regular payments on loans issued by banks, organizations, carrying out certain types of banking operations, to the individuals and temporary bases for calculating remuneration on such loans, established by the regulatory legal act of the authorized body, with the frequency, established in the bank loan contract, with the following methods of repayment:

the method of differentiated payments, in which the repayment on a bank loan debt shall be carried out with decreasing payments, comprising equal amounts of payments on the principal debt and interest accrued for the period on the principal debt balance;

the method of annuity payments, in which the repayment of a bank loan debt shall be carried out in equal payments over the entire period of the bank loan, including increasing payments on the principal debt and decreasing payments on interest accrued for the period on the principal debt balance. The sizes of the first and last payments may differ from others.

The bank, organization, carrying certain types of banking operations, shall have the right to offer the borrower additional methods of repayment of the loan, calculated according to their internal rules.

The fixed rate of remuneration shall not be subject to change unilaterally, except in cases of its change in the direction of decrease or temporary change in the direction of decrease by the bank, an organization, carrying out certain types of banking operations, performed in the order, established by Article 34 of this Law.

Temporary change of the interest rate in direction of decrease means the decrease of size of interest rates by the bank, organization, carrying out certain types of banking operations, for a certain period after which the interest rate shall be set at a rate not exceeding the interest that was rate in effect before the temporary change.

By agreement of the parties, the fixed rate of remuneration may be changed to a floating rate of remuneration during the term of the contract.

By agreement of the parties, the fixed interest rate may be changed in the direction of increase upon expiration of its validity period determined by the contract, but not earlier than three years from the date of conclusion of the bank loan contract. Each subsequent change in the direction of increasing the fixed rate of remuneration shall be possible by agreement of the parties upon expiration of the fixed rate, but not earlier than three years from the date of the previous change in the fixed rate of remuneration.

The procedure of calculation, the conditions of the floating rate of remuneration shall be determined by the regulatory legal act of the authorized body.

Banks, organizations, carrying out certain types of banking operations shall not have the right to unilaterally change in the direction of increase the amounts and procedure for calculating commissions and other payments for servicing the loan, established on the date of conclusion of the bank loan contract.

3. Before concluding a bank loan agreement with an individual not related to entrepreneurial activity, a bank, an organization carrying out certain types of banking operations, must provide an individual with a choice of lending conditions that do not provide for the collection of commissions and other payments related to the issuance and servicing a bank loan, as well as lending conditions providing for the right of a bank, an organization carrying out certain types of banking operations, to collect, in addition to the interest rate, commissions and other payments related to the issuance and servicing of a loan and provided for by a bank loan agreement.

Banks, organizations engaged in certain types of banking operations are obliged to indicate in bank loan agreements all commissions and other payments , as well as their amounts to be charged in connection with the issuance and servicing of a loan, and are not entitled to unilaterally introduce new types of commissions and other payments within the framework of the concluded agreement.

The list of commissions and other payments related to the issuance and maintenance of a bank loan issued to an individual is approved by the regulatory legal act of the authorized body.

3-1. Banks, organizations, carrying out certain types of banking operations shall not have the right under the bank loan contracts, concluded with individuals for the purchase of goods, works and services not related to entrepreneurial activity, to establish and charge commissions for maintaining a bank account related to the issuance and servicing of a bank loan, as well as for crediting a loan to a bank account.

4. The Internet site of the bank shall have the information about the rates and fees for banking and other services, provided to individuals and legal entities. Information on rates and tariffs shall be the latest, and contain the date of changes made to the current rates and tariffs, the number of the internal document and the body that made those changes.

5. Banks, organizations, carrying out certain types of banking operations, shall be not have the right to charge forfeit or other types of penalties for early repayment of loans, except for the cases of partial early repayment or full early repayment of the principal debt up to six months from the date of receipt of the loan, issued for a term of up to one year, up to one year from the date of receipt of the loan, issued for a term exceeding one year.

6. Banks, organizations, performing certain types of banking operations, shall not be entitled to unilaterally increase the interest rates, established on the date of the bank loan agreement, concluded with legal entities, except for the following cases:

1) breach of obligations by the borrower on providing accurate information, related to obtaining and servicing of the loan, in the cases, stipulated by the bank loan contract;

2) when a bank, an organization, engaged in certain types of banking operations, receive the right to claim the early performance of obligation in the cases, stipulated by the Civil Code of the Republic of Kazakhstan, as well as in the following cases, stipulated by the bank loan contract:

changes in the composition of members (shareholders) of the borrower, together owning ten or more percent of the shares (ownership interest) of a joint stock company (business partnership), without a preliminary written consent of the bank (the organization performing certain types of banking operations);

when the borrower and (or) the mortgagor violates the rights of a bank, an organization, engaged in certain types of banking operations, which are the mortgagees, to check the documents and factual presence, size, condition and storage conditions of the mortgaged property, and the third parties’ claims to the property of the borrower (mortgagor), including to the property, mortgaged to the bank, the organization engaged in certain types of banking operations.

7. Banks, with the exception of Islamic banks, organizations engaged in certain types of banking operations are obliged to indicate interest rates in reliable, annual, effective, comparable terms (real value) in contracts concluded with clients, as well as when disseminating information on the amount of remuneration for loans and deposits (excluding interbank), including its publication.

The procedure for calculating interest rates in a reliable, annual, effective, comparable calculation (real value) for loans and deposits is approved by the regulatory legal act of the authorized body.

Footnote. Article 39 is in the wording by the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (the procedure for enforcement see Article 2); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 21.01.2019 No. 217-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 40. Prohibition on granting preferential terms to the persons, related to the bank by special relations

1. Banks shall be prohibited to grant preferential terms to the persons, related to the bank by special relations.

Banks shall be prohibited to issue unsecured loans (blank loans) to the persons, related to the bank by special relations, except for loans in the amount not exceeding the amount established by the regulatory legal act of the authorized body, as well as loans to the persons who are the members of the banking conglomerate.

Banks shall be prohibited to issue loans to the members of the board of directors and major participants of these banks, except for bank loans and financing provided by subparagraphs 4) and 5) of paragraph 1 of Article 52-5 of this Law, issued in an amount not exceeding the amount established by the regulatory legal act of the authorized body.

2. Granting preferential terms to a person, related to the bank by special relations means making a transaction with a person, related to the bank by special relations, or in its interests, which by its nature, purpose, features and risk, the bank would not make with a person not related to it by special relations, namely:

1) charging of remuneration and fees for performing banking operations is lower than under the terms, offered to third parties;

2) payment of remuneration on deposits and other funds attracted by the bank from a person related to the bank by special relations is higher than under the terms, offered to third parties;

3) acceptance of pledges, guarantees, sureties or other means of ensuring the performance of obligations in an amount lower than required for similar transactions with third parties;

4) provision of deferral for charging of remuneration, repayment of the principal debt and (or) other payments for banking operations more than for similar operations with third parties;

5) payment of the acquired property and (or) services to a person, related to the bank by special relations at a price higher than the payment of similar acquired property and (or) services to third parties on a transaction or a set of transactions, the value of which exceeds the amount established by the regulatory legal act of the authorized body;

6) sale of property to a person, related to the bank by special relations at a value lower than the sale of similar property to third parties or below the market value;

7) sale of securities to a person related to the bank by special relations at a value lower than the sale of similar securities to third parties or below the market value;

8) making transactions previously referred by the authorized body to the transactions with preferential conditions through the use of reasoned judgment.

Additional criteria for classifying transactions as transactions with preferential conditions shall be established by the regulatory legal act of the authorized body.

3. The following persons shall be recognized as persons, related to the bank by special relations:

1) an official or executive employee, heads and permanent members of the committees of the board of directors and the relevant body of the bank, whose powers include making decisions on the alienation of assets, change of the pledge and termination of the pledge (except for the cases of repayment by the debtor of obligations to the bank, secured by the pledge, or charging of charging of the pledge by the bank), decisions on the issuance of bank loans and bank guarantees in the amounts above the established by the regulatory legal act of the authorized body, as well as their spouses and close relatives;

2) an individual or a legal entity, who is a major participant of this bank, or an official of a major participant of the bank, as well as their spouses and close relatives;

3) a legal entity in which the persons, specified in subparagraphs 1) and 2) of this paragraph own ten or more percent of the placed shares (excluding the preferred and redeemed shares) or participation stakes in the authorized capital or are officials;

4) affiliated persons of the bank;

5) an individual or legal entity corresponding to the characteristics of connection with the bank by special relations, established by the regulatory legal act of the authorized body.

The authorized body shall have the right to classify an individual or a legal entity to the persons, connected with the bank by special relations, by using a reasoned judgment. In this case, this individual or a legal entity shall be recognized by the bank as a person connected with it by special relations, from the date of receipt by the bank of the appropriate supervisory response measures of the authorized body.

For the purposes of this article, persons associated with the bank by special relations are not recognized as an independent director, a national management holding that is a shareholder of the bank, and legal entities, ten or more percent of shares (stakes in the authorized capital) of which belong to such a national management holding, as well as legal entities in which an official of a bank, who is an independent director, is an independent director in the management bodies, an organization specializing in improving the quality of loan portfolios of second-tier banks, and an organizer of an auction, the shareholder of which is the National Bank of the Republic of Kazakhstan, in case the official the bank is an official in these organizations, as well as other persons determined by the regulatory legal act of the authorized body.

For the purposes of recognition of persons, related to the branch of a non-resident bank of the Republic of Kazakhstan by special relations:

the bank in subparagraph 1) of part one of this paragraph shall be understood to mean a branch of a non-resident bank of the Republic of Kazakhstan and (or) a non-resident bank of the Republic of Kazakhstan;

the bank in subparagraph 2) of part one of this paragraph shall be understood to mean a non-resident bank of the Republic of Kazakhstan;

the bank in subparagraphs 4) and 5) of part one of this paragraph shall be understood to mean a branch of a non-resident bank of the Republic of Kazakhstan.

4. The bank cannot make a transaction with any person, the value of which exceeds the amount, established by the regulatory legal act of the authorized body, and which entails:

payment of obligations to the person related with the bank by special relations;

purchase of any property from a person connected with the bank by special relations;

acquisition of securities, issued by a person, related with the bank by special relations, except for the securities owned by the bank.

5. A transaction with a person, related with the bank by special relations may be made subject to the requirements of paragraph 1 of this Article only by the decision of the board of directors of the bank, except for the cases when the standard terms of such transactions are approved by the board of directors of the bank and shall be applied to similar transactions with third parties.

The waiver of the rights of claims in respect of assets granted (placed) to the persons (at the persons) related with the bank by special relations shall be carried out with the subsequent notification of the general meeting of shareholders, except for subsidiaries of the bank acquiring dubious and hopeless assets of the parent bank.

The person, specified in paragraph 3 of this Article shall not participate in consideration and decision-making of any transaction between the bank and:

by him/her;

any of his/her close relatives or his/her spouse;

any legal entity in which he/she or any of his/her close relatives, his or her spouse is an official (except for an independent director) or a major participant.

The decision of the board of directors on any transaction between the bank and a person related with the bank by special relations may be taken only after consideration of all its terms by the board of directors.

For the purposes of applying to a branch of a non-resident bank of the Republic of Kazakhstan the requirements of this paragraph и paragraph 1 of this Article, the board of directors of the bank shall be understood to mean a relevant governing body of a non-resident bank of the Republic of Kazakhstan.

6. The bank is obliged to provide the National Bank of the Republic of Kazakhstan with information on persons related to the bank by special relations, as well as on all transactions concluded with these persons, in the manner, terms and forms that are provided for by the regulatory legal act of the National Bank of the Republic of Kazakhstan as agreed with the authorized body.

7. The requirements of this Article shall apply to bank holding companies and organizations, carrying out certain types of banking operations.

The list of persons, related with the banking conglomerate by special relations shall be established by the regulatory legal act of the authorized body.

8. The requirements of paragraphs 1, 2 and 4 of this Article shall not be applied to the transactions, made by a subsidiary created (acquired) under the conditions, determined by Article 11-2 of this Law with a parent bank or a subsidiary of a banking conglomerate.

The requirements of paragraph 4 of this Article shall also not be applied to the transactions of the bank with third parties, which entail the acquisition of property from a subsidiary of the bank and (or) a subsidiary of a subsidiary of the bank, created (acquired) under the conditions determined by Article 11-2 of this Law.

9. The requirements of this Article shall not apply to the non-residents of the Republic of Kazakhstan who are a bank holding company, a person, possessing the characteristics of a bank holding company, if one of the following conditions is met:

availability of an individual credit rating not lower rated A of one of the rating agencies, the list of which shall be established by the authorized body and a written confirmation from the financial supervision body of the country of origin of a bank holding company, the persons, possessing the characteristics of a bank holding company, that the specified persons are non – residents of the Republic of Kazakhstan subject to consolidated supervision;

existence of an agreement between the authorized body and the relevant supervisory body of a foreign state on the exchange of information, as well as the minimum required rating of one of the rating agencies. The minimum rating and the list of rating agencies shall be established by the regulatory legal act of the authorized body.

Footnote. Article 40 is in the wording of the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); amended of The Law s RK of 03.07.2019 number 262 VI- (put into effect from 01/01/2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 40-1. Banking Ombudsman, his status and the procedure of electing

1. The banking ombudsman shall be an independent individual, carrying out settlement of disagreements arising from the mortgage loan contract, between the bank, organization, carrying out certain types of banking operations and the borrower – an individual upon his request in order to reach agreement on satisfaction of the rights and interests protected by the Law of the borrower and the bank, organization, carrying out certain types of banking operations, as well as in the cases provided by paragraph 1-1 of this Article.

Banking Ombudsman’s activities shall be governed by the following principles:

1) equality of the parties;

2) impartiality of the Ombudsman;

3) banking and other confidentiality, protected by the Law;

4) observance of the rights and respect of the parties’ interests, protected by the Law;

5) transparency of the decision making and the validity of the decision.

1-1. The bank ombudsman shall carry out settlement of disagreements arising between the borrower, who is an individual, and the person to whom the right (claim) has been assigned under the bank loan contract, concluded with such a borrower or the contract on providing a micro-credit, on the basis of the borrower's appeal.

The person to whom the right (claim) under the bank loan contract or the micro-credit has been assigned, shall be obliged to interact with the bank ombudsman and to provide any information requested by the bank ombudsman and the data at the appeal of the borrower, whose obligations under the bank loan contract or the contract on providing micro-credit were acquired by him/her.

2. Election and early termination of the banking ombudsman’s powers shall be carried out by the board of representatives. The board of representatives shall contain one representative from:

1) each bank, organization, engaged in certain types of banking operations, allocating the mortgage loans;

2) an association (union) of public organizations of consumers and (or) the republican public association of consumers, registered in the judicial bodies and performing the activities, aimed at realization and protection of the rights of the consumers of financial services, if any;

3) the authorized body.

Participation of banks, organizations, performing certain types of banking operations, allocating the mortgage loans, in the board of representatives shall be mandatory and shall be conducted in the order, established by this Law and the internal rules of the banking ombudsman, approved by the board of representatives.

3. The competence of the board of representatives shall be:

1) to offer candidatures for election to the position of the banking ombudsman and its approval;

2) to approve the structure and the staff (the office of the banking ombudsman);

3) to define the order of financing of the banking ombudsman’s activity;

4) and other issues related to the work of the banking ombudsman, in accordance with this Law.

4. Meeting of the board of representatives shall be deemed valid and the conditions of quorum are met if the members of the board, attending it, have in aggregate fifty or more percent of the total number of votes.

Banking Ombudsman shall be elected by the majority vote of the board members, attending the meeting of the board. Each member of the board of representatives shall have one vote during a voting. In case of equality of votes, the vote of the representative of the authorized body is casting.

The voting on election of a banking ombudsman shall be carried out by secret ballot. The ballot shall contain the following information about the candidates, recommended for election to the position of the banking ombudsman:

1) name, surname, and patronymic at will;

2) information on education;

3) information about the affiliation to the banks, organizations, engaged in certain types of banking operations;

4) information about the places of work and positions held;

5) other information, confirming qualification and work experience of the candidates;

6) the voting options on the issue, expressed by the words "yes" or "no."

5. A banking ombudsman shall be elected for a term of two years.

Early termination of the banking ombudsman’s powers on his initiative shall be based on a written notification to the board of representatives.

A written notice shall be submitted to the board of representatives a month before termination of the powers in the order, established by the internal rules of the banking ombudsman, approved by the board of representatives.

Footnote. Chapter 2 is supplemented by Article 40-1 in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); as amended by the Law of the Republic of Kazakhstan dated 06.05.2017 No. 63-VI (shall be enforced upon expiry of twenty - one calendar days after its first official publication).

Article 40-2. Requirements to the banking ombudsman

1. The following person may not be recommended for election to the position of the banking ombudsman:

1) without higher education;

2) without an impeccable business reputation;

3) the person, having less than three years’ work experience in providing financial services and (or) regulation of financial services;

4) who previously was an executive employee of a financial organization for a period not more than one year prior to the decision by the authorized body to classify the bank as insolvent banks, forcibly repurchase the shares in the bank, deprive the license of a financial organization, as well as forcibly liquidate a financial organization or declare it bankrupt in accordance with the procedure, established by the legislation of the Republic of Kazakhstan. This requirement shall be applied within three years after the decision by the authorized body to classify the bank as insolvent banks, the forced repurchase of the shares in the bank, the deprivation of the license of a financial organization, as well as the forced liquidation of a financial organization or declaring it bankrupt.

2. The Banking Ombudsman shall not have the right to hold any of the positions in financial organizations and organizations engaged in microfinance activities, to be an affiliate of banks, organizations engaged in certain types of banking operations.

Footnote. Chapter 2 is supplemented by Article 40-2, in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 26.11.2012 No 57 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 40-3. A decision-making procedure of a banking ombudsman

1. A decision shall be made by a bank ombudsman individually and shall be submitted in a written form to the parties of a dispute.

When making decisions a banking ombudsman shall be governed by the legislation of the Republic of Kazakhstan and the terms of the concluded contracts.

2. A banking ombudsman shall not consider the appeals:

admitted to the court consideration and (or) on which there is a court decision, which has come into force;

on which the applying person has not submitted a written proof of his applying to the bank, the organization, engaged in certain types of banking operations, in order to resolve the situation arising under the mortgage loan contract;

re-applied in the absence of the new facts of the case;

under the mortgage loan contract, the amount of which exceeds twenty thousand monthly calculation indexes.

The requirements of this paragraph shall apply to the appeals of the borrower-an individual in the case provided by part one of paragraph 1-1 of Article 40-1 of this Law.

3. A decision of the banking ombudsman shall be mandatory for the bank, the organization, engaged in certain types of banking operations in the event of its making by the borrower.

In case of disagreement with the decision of the banking ombudsman, the interested party shall have the right to apply to the court for protection of their rights.

4. On the appeals of the borrowers - individuals, concerning changes in the terms of performance of obligations under the mortgage loan contracts, the banking ombudsman shall assist the parties to reach a mutually acceptable solution by conducting meetings and providing recommendations without taking decisions, provided by this Article.

At the appeal of the borrower – an individual in the case, provide by paragraph 1-1 of Article 40-1 of this Law, the banking ombudsman shall assist the parties to reach a mutually acceptable result by conducting meeting and providing recommendations without taking decisions, provided by this Article.

The results of consideration of shall be drawn up in a protocol, signed by the interested parties or their representatives with bringing it to the attention of the borrower and the bank, organization, carrying out certain types of banking operations, the person to whom the right (claim) has been assigned under the bank loan contract or the contract on providing micro-credit.

Footnote. Chapter 2 is supplemented by Article 40-3 in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 06.05.2017 No. 63-VI (shall be enforced upon the expiry of twenty-one calendar days after its first official publication).

Article 40-4. A banking ombudsman’s activities

1. A banking ombudsman’s activities, including the order and the time limits of consideration of appeals on resolving disputes and decision-making shall be carried out on the basis of internal rules, coordinated with the authorized body and approved by the board of representatives.

2. In order to ensure proper performance of its functions, the banking ombudsman shall be funded at the expense of mandatory contributions from banks and organization, engaged in certain types of banking operations, included in the board of representatives. The banking ombudsman in consultation with the board of representatives shall have the right to establish a structure and a staff (an office of the banking ombudsman).

3. The banking ombudsman shall be obliged to keep confidentiality of information obtained during resolving the disputes, and not to disclose it to the third parties.

The banking ombudsman shall bear responsibility, established by the Laws of the Republic of Kazakhstan, for disclosure of information received during performance of his functions.

In the case of the banking ombudsman’s non-compliance with the requirements, provided for in paragraph 1 of this Article and this paragraph, the board of representatives shall early terminate his powers.

Footnote. Chapter 2 is supplemented by Article 40-4 in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.)

Article 40-5. The system of risk management and internal control

1. The banks shall form a system of risk management and internal control, which shall include:

1) the powers and responsibilities for risk management and internal control of the board of directors, the management board, the bank’s departments, their liability;

2) internal policies and procedures for risk management and internal control;

3) the limits on the permissible extent of risks separately for by types of banking operations;

4) internal reporting procedures for risk management and internal control to the bank’s bodies;

5) internal criteria for evaluating the effectiveness of the risk management system.

The order of formation of the system of risk management and internal control shall be established by the regulatory legal act of the authorized body.

2. A banking conglomerate shall have a system of risk management and internal control, meeting the requirements, established by the regulatory legal act of the authorized body.

The parent organization of the banking conglomerate shall ensure compliance with the system of risk management and internal control on a consolidated basis.

The parent organization of the banking conglomerate shall be responsible for compliance of the banking conglomerate’s participants with the requirements, established for the system of risk management and internal control.

3. The authorized body shall carry out assessment of compliance of the risk management and internal control system with the requirements, established by this Article.

Footnote. Chapter 3 is supplemented by Article 40-5 in accordance with the Law of the Republic of Kazakhstan dated 28.12.2011 № 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Chapter 4. Regulation of banks’ activities

Footnote. The title of Chapter 4 is in the wording by the Law of the Republic of Kazakhstan dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 41. The measures applied to the banks and their officials. The ways of banking regulation

In order to ensure financial stability of the banks, to protect interests of their depositors and to maintain stability of the monetary system of the Republic of Kazakhstan, the authorized body shall regulate the banks’ activities, including through:

establishment of prudential standards and other mandatory standards and limits, mandatory for fulfillment by the banks, the provisions against doubtful and loss assets;

publication of regulatory legal acts which shall be fulfilled by banks;

inspection of the banks’ activities;

application of supervisory response measures;

imposition of sanctions.

Bank regulation shall be carried out in respect of an individual bank, and on a consolidated basis, that is to the banking conglomerate. The consolidated supervision rules shall be established by the authorized body.

Footnote. Article 41 as amended by the Laws of the Republic of Kazakhstan, dated 11 July, 1997 No 154; dated 16 July, 1999 No 436; dated 2 March 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 8 July, 2005 No 69; dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); by the Law of the Republic of Kazakhstan dated 31 January 2006 No 125; as amended by the Law of the Republic of Kazakhstan dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 42. Prudential standards and other mandatory standards and limits

1. The structure of prudential standards, established by the authorized body for their mandatory fulfillment by the banks, shall include:

the minimum amount of the authorized capital of the bank;

the minimum amount of the equity capital of the bank;

the equity capital adequacy ratio;

the maximum exposure to a single borrower;

liquidity ratio;

the limits of open currency position.

The structure of the prudential standards, established by the authorized body for their mandatory observance by the banking conglomerates, shall include:

the minimum amount of the authorized capital;

the equity capital adequacy ratio;

the maximum exposure to a single borrower.

The authorized body shall be entitled to establish additional prudential standards and other mandatory standards and limits used in the international banking practice.

In accordance with the banking legislation of the Republic of Kazakhstan, the authorized body shall take steps to bring the banks and (or) bank holding companies or their officials and (or) the major participants of banks to responsibility for violation of prudential standards by the banks and (or) other mandatory standards and limits.

The authorized body shall be entitled to establish on banks and banking conglomerates that do not have a bank holding company, certain prudential standards and their values at the level, sufficient to cover the potential significant losses, arising from the possible maximum changes of the risk factors, inherent in the bank and the banking conglomerate.

1-1. Prudential standards and other mandatory norms and limits for Islamic banks , their normative values and calculation methodology are established by a regulatory legal act of the authorized body, taking into account the specifics of Islamic banks' banking activities provided for by this Law.

The list, forms of reporting on the fulfillment of prudential standards by Islamic banks, the terms and procedure for its submission to the National Bank of the Republic of Kazakhstan are established by the regulatory legal act of the National Bank of the Republic of Kazakhstan in agreement with the authorized body.

2. In order to resolve the issue on compliance of the bank's financial situation with the established requirements, the authorized body shall be entitled to define the amount of the bank's capital for a certain date.

3. Regulatory values and methods for calculating prudential standards and other mandatory standards and limits, the size of the capital of a bank and a banking conglomerate, the procedure for calculating and limits of an open foreign exchange position are established by regulatory legal acts of the authorized body.

The list, forms of reporting on the fulfillment of prudential standards by banks and banking conglomerates, the terms and procedure for its submission to the National Bank of the Republic of Kazakhstan are established by regulatory legal acts of the National Bank of the Republic of Kazakhstan in agreement with the authorized body.

3-1. In case of failure of a bank or a participant of a bank conglomerate to fulfill the requirements of the authorized body, indicated in a written prescription, on correcting the data in the financial and (or) other statements, the calculation of prudential standards and other mandatory standards and limits shall be carried out by the authorized body on the basis of the statements, corrected by it.

4. In case of breaking of the capital adequacy ratios by the bank, the banking conglomerate, established by the regulatory legal acts of the authorized body, the bank, the bank holding company shall submit a recapitalization plan to the authorized body. The plan shall be submitted within one month from the date of breaking the capital adequacy ratio with the detailed description of the measures and deadlines, set for elimination of violations.

5. Bank holding companies, as well as the major participants of the bank shall take measures, specified by the regulatory legal acts of the authorized body to maintain the equity capital adequacy ratios of the bank and the banking conglomerate.

In case of worsening of the financial condition of the bank or the bank conglomerate, the bank holding company, the major participant of the bank, at the request of the authorized body, shall take measures to improve the financial situation of the bank or the banking conglomerate, including to increase the equity capital of the bank or the banking conglomerate in the amount sufficient to ensure financial stability of the bank or the banking conglomerate.

If the requirements, provided by this paragraph, the authorized body shall have the right to apply compulsory supervisory response measures, provided by Article 47-1 of this Law to the bank holding company, a major participant of a bank.

6. In order to ensure the integrity and stability of the financial system, protect the legitimate interests of depositors and creditors, the authorized body shall establish prudential standards and other mandatory standards and limits for a branch of a non-resident bank of the Republic of Kazakhstan.

In order to ensure the financial stability of a branch of a non-resident bank of the Republic of Kazakhstan, a non-resident bank of the Republic of Kazakhstan shall form the assets of a branch of a non-resident bank of the Republic of Kazakhstan, accepted as a reserve.

Prudential standards and other mandatory norms and limits for branches of non-resident banks of the Republic of Kazakhstan (including branches of Islamic banks-non-residents of the Republic of Kazakhstan), their standard values and calculation methods, including the procedure for forming assets of branches of banks - non-residents of the Republic of Kazakhstan (including branches of Islamic banks-non-residents of the Republic of Kazakhstan), accepted as a reserve, and their minimum amount, shall be established by the regulatory legal acts of the authorized body.

The list, forms of reporting on the implementation of prudential standards by branches of non-resident banks of the Republic of Kazakhstan (including branches of Islamic banks-non-residents of the Republic of Kazakhstan), the timing and procedure for its submission to the National Bank of the Republic of Kazakhstan shall be established by regulatory legal acts of the National Bank of the Republic of Kazakhstan in agreement with the authorized body.

The authorized body, in accordance with the banking legislation of the Republic of Kazakhstan, shall take measures to hold accountable of a branch of a non-resident bank of the Republic of Kazakhstan for violation of prudential standards by a branch of a non-resident bank of the Republic of Kazakhstan and ( or) other binding norms and limits.

In order to resolve the issue of compliance of the financial position of a branch of a non-resident bank of the Republic of Kazakhstan with the requirements, the authorized body shall have the right to determine the amount of assets of a branch of a non-resident bank of the Republic of Kazakhstan, accepted as a reserve, on a specific date.

If the branch of a non-resident bank of the Republic of Kazakhstan fails to comply with the requirements of the authorized body specified in the written order to adjust the data in the statements according to accounting data and (or) other statements, the calculation of prudential standards and other mandatory norms and limits shall be carried out by the authorized body on the basis of their revised reports.

In the event that a branch of a non-resident bank of the Republic of Kazakhstan violates the adequacy ratio of assets accepted as a reserve established by the regulatory legal act of the authorized body, the branch of a non-resident bank of the Republic of Kazakhstan must submit to the authorized body a recapitalization plan. The plan must be submitted within one month from the date of the violation of the adequacy ratio of assets accepted as a reserve, with a detailed description of the measures and deadlines for eliminating violations.

A non-resident bank of the Republic of Kazakhstan shall be obliged to take measures provided for by the regulatory legal act of the authorized body to maintain the adequacy ratio of assets accepted as a reserve, of a branch of a non-resident bank of the Republic of Kazakhstan.

In case of deterioration of the financial position of a branch of a non-resident bank of the Republic of Kazakhstan, the non-resident bank of the Republic of Kazakhstan shall be obliged, at the request of the authorized body, to take measures to improve the financial position of a branch of a non-resident bank of the Republic of Kazakhstan, including an increase in the assets of a branch of a non-resident bank of the Republic of Kazakhstan, accepted as a reserve, in an amount sufficient to ensure the financial stability of a branch of a non-resident bank of the Republic of Kazakhstan.

Footnote. Article 42 as amended by the Laws of the Republic of Kazakhstan dated 07.12.1996 No 50; dated 11.07.1997 No 154; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated08.07.2005 No 69; dated 23.12.2005 No 107 (the order of enforcement see Art. 2 of the Law No 107); dated 19.02.2007 No 230 (the order of enforcement see Art. 2); dated12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 28.12.2011 No 524 - IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 24.11.2015 No. 422-V (shall come into force from 16.12.2020); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 43. Provisions (reserves)

1. Is excluded by the Law of the Republic of Kazakhstan dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018).

2. In order to ensure an appropriate level of control and reliability of their activities in accordance with the nature and scale of the operations performed, the banks shall be required to establish provisions (reserves) in accordance with the international financial reporting standards.

3. Assessment of the adequacy of provisions (reserves) created by the bank shall be carried out by the authorized body, including the use of the reasoned judgment, for conformity, compliance and application of international financial reporting standards.

Footnote. Article 43 is in the wording by the Law of the Republic of Kazakhstan dated 26.12.2012 No 61 -V (shall be enforced from 01.01.2013); as amended by the Law of the Republic of Kazakhstan dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 44. Verification of activities of the banks, major participants of banks, bank holding companies and members of banking conglomerates

Footnote. The title of Article 44 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

1. Verification of activities of the banks, major participants of banks, bank holding companies and participants of bank conglomerates shall be conducted by the authorized body independently or with involvement of other state bodies and (or) the organizations.

When conducting verification of activities of the banks and (or) participants of banking conglomerates (except for bank holding companies), the authorized body shall have the right to inspect the activities of the affiliated persons of banks solely for the purpose of determining the extent and nature of their influence on the activities of banks.

2. Banks, major participants of the banks, bank holding companies, participants of bank conglomerates, and also their affiliated persons shall be obliged to provide assistance to the inspection on the issues specified in the task of the authorized body for verification, and also to provide opportunity to interview any officials and employees and access to any sources of information necessary to perform verification.

3. Employees of the authorized body shall be prohibited from disclosing or transferring information to third parties, obtained during the verification of activities of the banks, major participants of banks, bank holding companies and members of banking conglomerates.

4. The persons carrying out the verification shall be responsible for disclosure of information, obtained during the verification of activities of the banks, major participants of banks, bank holding companies, members of banking conglomerates and constituting a banking or commercial secret.

5. The requirements of paragraphs 1 and 2 of this Article shall not apply to non-residents of the Republic of Kazakhstan, being a major participant of the bank – a legal entity, bank holding company, a person having characteristics of a major participant of the bank or bank holding company if one of the following conditions is met:

availability of an individual credit rating not lower rated A of one of the rating agencies, the list of which shall be established by the authorized body and written confirmation from the financial supervision body of the country of origin of the major participant of the bank – a legal entity, bank holding company, the person, having characteristics of the major participant of the bank or bank holding company, that the specified persons-non-residents of the Republic of Kazakhstan subject to consolidated supervision;

existence of an agreement between the authorized body and the relevant supervisory body of a foreign state for the information exchange, as well as the minimum required rating of one of the rating agencies. Minimum rating and the list of the rating agencies are established by the regulatory legal act of the authorized body.

6. When conducting an audit of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, the authorized body shall have the right to receive information about the activities of a non-resident bank of the Republic of Kazakhstan from the financial supervisory authority of the state whose resident is the non-resident bank of the Republic of Kazakhstan, within the framework of the agreement specified in subparagraph 3) of paragraph 1 of Article 13-1 of this Law.

Footnote. Article 44 is in the wording by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 26.12.2012 No 61 -V (shall be enforced from 04.02.2012); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 45. Early response measures

1. In order to protect the legitimate interests of depositors and creditors of banks, ensure financial stability of the bank, to prevent deterioration of its financial situation and increase risks, associated with banking activities, the authorized body shall carry out analysis of the activities of banks to identify factors, affecting the deterioration of financial situation of the bank. The factors, affecting the deterioration of financial situation of the bank shall be established by the regulatory legal act of the authorized body.

2. In order to ensure financial stability of the banking conglomerate, to prevent deterioration of its financial situation and increasing risks associated with the activities of the banking conglomerate, the authorized body shall carry out analysis of the activities of the banking conglomerate to identify factors, affecting the deterioration of financial situation of the banking conglomerate.

The factors affecting the deterioration of financial situation of the banking conglomerate shall be established by the regulatory legal act of the authorized body.

3. In the case of revelation of the factors, specified in paragraph 1 of this Article, in the result of the analysis of the financial condition of the bank and (or) upon the results of its inspection, the authorized body shall send a written claim to the bank and (or) its shareholders to submit an action plan, providing the measures of early response to improve the financial stability of the bank, preventing worsening of its financial condition growth of risks, associated with the banking activities.

The bank and (or) its shareholders shall be obliged to develop and submit to the authorized body an action plan specifying the deadlines for each paragraph and responsible executives within no more than five working days from the date of receipt of the specified requirement.

When the authorized body approves the action plan, the bank and (or) its shareholders shall start its implementation, notifying the authorized body of the results of its implementation within the timeframes, set by the plan.

In case of disapproval of the action plan, the authorized body shall apply to the bank and (or) its major participants (bank holding companies) the supervisory response measures provided by this Law.

4. In the case of revelation of the factors, specified in paragraph 2 of this Article, in the result of the analysis of the financial condition of the banking conglomerate and (or) upon the results of inspection of the bank holding company or the members of the banking conglomerate, the authorized body shall send a written claim to the bank holding company and (or) its major participants to submit an action plan, providing for the early response measures to improve the financial stability of the banking conglomerate, to prevent worsening of its financial condition and growth of risks, associated with the activities of the banking conglomerate.

The bank holding company and (or) its major participants shall obliged to develop and submit to the authorized body an action plan specifying the deadlines for each paragraph and responsible executives within no more than five working days from the date of receipt of the specified requirement.

When the authorized body approves the action plan, the bank holding company and (or) its major participants shall start implementing it, notifying the authorized body of the results of its implementation within the planned timeframes.

In case of disapproval of the action plan, the authorized body shall apply to the bank holding company and (or) its major participants the supervisory response measures provided by this Law.

5. In case of failure to submit, within the time limits established by paragraphs 3 and 4 of this article, an action plan aimed at increasing the financial stability of the bank (banking conglomerate), failure or untimely implementation of the actions of this plan to the bank (bank holding company) and (or) its major participants the supervisory response measures provided for by this Law are applied.

6. The procedure for approval of the action plan providing for early response measures and the methodology for determining factors affecting deterioration of financial situation of the bank (banking conglomerate) shall be established by the regulatory legal act of the authorized body.

7. The requirements of this Article shall not apply to the non-residents of the Republic of Kazakhstan, that are the bank holding company, the entity, having the characteristics of a bank holding company, if any of the following conditions are observed:

presence of an individual credit rating not lower than the A rating of one of the rating agencies, the list of which shall be established by the authorized body, as well as a written confirmation from the Financial Supervisory Authority of the country of origin of the bank holding company, the entity, having the characteristics of a bank holding company, about the fact that the said entities-non- residents of the Republic of Kazakhstan shall be subject to the consolidated supervision;

Footnote. Article 45 is in the wording by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 26.12.2012 No 61 -V (shall be enforced from 04.02.2012); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 45-1. Supervisory response measures

1. In order to protect the legitimate interests of depositors, creditors, customers and correspondents of the bank, organization, carrying out certain types of banking operations, ensuring financial stability of the bank and (or) the banking conglomerate, organizations carrying out certain types of banking operations and prevent deterioration in their financial situation and increasing risks associated with banking activities, the authorized body shall apply supervisory response measures to the bank, organization, carrying out certain types of banking operations, bank holding company, their executive employees, organizations, members of a banking conglomerate, major participants of the bank, persons possessing the characteristics of a major participant of the bank or a bank holding company.

2. The grounds for application of supervisory response measures shall be:

1) violation of the legislation of the Republic of Kazakhstan on the issues within the competence of the authorized body;

2) deficiencies and (or) the risks in the activities of the bank, organization, carrying out certain types of banking operations, organizations, members of the banking conglomerate, revealed by the authorized body in the framework of implementation of functions on control and supervision, including with the use of reasoned judgment, which can lead to a situation that threatens stable functioning of the bank or organization carrying out certain types of banking operations, and (or) the interests of their depositors, and (or) creditors and (or) customers, and (or) stability of the banking system;

3) identification of illegal actions or inaction of the executive employees of the bank, organization carrying out certain types of banking operations, the bank holding company, which may threaten their stable functioning and (or) the interests of their depositors, creditors, customers and correspondents;

4) sufficient data to recognize the actions (inaction) of the executive employee (executives) not complying with the requirements of the legislation of the Republic of Kazakhstan on the issues within the competence of the authorized body, and (or) evidencing on damage to the bank and (or) its depositors, creditors and customers;

5) commission of actions by a person having characteristics of a major participant of the Bank or bank holding company and a major participant of the bank (including organizations over which a major participant has control), bank holding company or legal entities, members of the banking conglomerate, as a result of which the bank caused or may be caused damage;

6) unstable financial situation of the persons having characteristics of a major participant of the bank or bank holding company and major participants of the bank (including organizations over which a major participant of the bank has control), bank holding company or organizations, that are members of the banking conglomerate;

7) non-fulfillment of supervisory response measures previously applied in accordance with this Law;

8) failure to submit to the authorized body or the National Bank of the Republic of Kazakhstan or submission of false reports or information, as well as other information requested by the authorized body or the National Bank of the Republic of Kazakhstan;

9) obstruction by the bank, organization carrying out certain types of banking operations, bank holding company, organizations which are a part of the banking conglomerate, major participants of the bank to conduct audit, which caused impossibility of its conducting in the established terms;

10) non-elimination by the bank, a bank holding company, organization in which the bank and (or) bank holding company are major participants, of deficiencies that affect financial state of the bank or the banking conglomerate specified in the audit report within the terms provided by paragraph 6 of Article 57 of this Law.

3. When determining the appropriateness of applying supervisory response measures and choosing a supervisory response measure, the following shall be taken into account:

1) risk level, nature of violations and (or) deficiencies and their consequences;

2) scale and significance of committed violations and (or) deficiencies and their consequences;

3) regularity and duration of violations and (or) deficiencies;

4) impact of committed violations and (or) deficiencies on the financial state;

5) ability to adjust the situation as a result of applying the chosen supervisory response measure;

6) availability and effectiveness (efficiency) of the previously applied supervisory response measures;

7) adequacy of the applied supervisory response measure to the bases of its application;

8) reasons which caused occurrence of the revealed violations and (or) deficiencies and (or) risks;

9) adoption by the bank, organization, carrying out certain types of banking operations, bank holding company, organizations within the banking conglomerate, the major participant of the bank of independent measures aimed at elimination of violations and (or) deficiencies identified in the activity, effectiveness of implementation (non-implementation) in connection with this, of specific measures for realization of the adopted measures and (or) willingness to take such measures.

4. The authorized body shall apply the following supervisory response measures:

1) recommendatory measures of supervisory response in accordance with Article 45-2 of this Law;

2) measures on improving financial status and (or) minimize risks in accordance with Article 46 of this Law;

3) compulsory measures of supervisory response in accordance with Article 47-1 of this Law.

4-1. The National Bank of the Republic of Kazakhstan applies to legal entities operating exclusively through exchange offices on the basis of a license of the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, and to legal entities whose exclusive activity is the collection of banknotes, coins and valuables, the supervisory response measures defined subparagraphs 1) and 2) of paragraph 4 of this article.

5. The authorized body shall have the right to apply to the bank, organization, carrying out certain types of banking operations, bank holding company, the organizations which members of a banking conglomerate, major participants of the bank any of the measures of supervisory response determined by paragraph 4 of this Article, irrespective of the measures of supervisory response applied to them earlier.

6. The order of application of supervisory response measures shall be established by the regulatory legal act of the authorized body.

7. If the person specified in paragraph 1 of this Article fails to comply with supervisory response measures, the authorized body has the right to remove the first head of the executive body or the person who solely performs the functions of the executive body of this person.

Information about the dismissal of the first head of the executive body or the person who solely performs the functions of the executive body of this person shall be sent by the authorized body to the address of the person specified in paragraph 1 of this Article.

From the moment of receipt of the decision of the authorized body on the removal of the first head of the executive body or the person solely exercising the functions of the executive body, by the person specified in paragraph 1 of this Article, all decisions of the collegiate body with the participation of the removed person shall be considered invalid.

Footnote. Chapter 4 is supplemented by Article 45-1 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); amended of The Law s RK of 03.07.2019 number 262 VI- (put into effect from 01.01.2020); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 45-2. Recommendatory measures of supervisory response.

1. The authorized body shall apply recommendatory measures of supervisory response in the cases when deficiencies, risks or violations, identified in the bank activity, organization, carrying out certain types of banking operations, the banking conglomerate and (or) organizations included in the banking conglomerate, bank holding company, major participant of the bank, including with the use of reasoned judgment, do not have an essential impact on the financial stability of the bank and (or) banking conglomerate, do not pose a threat to their financial situation and (or) the interests of bank depositors.

2. Recommendatory measures of supervisory response shall include:

1) notification on identified deficiencies, risks or violations with bringing (if necessary, determined by the authorized body) of this information to the attention of individual bodies of the bank, organization carrying out certain types of banking operations, organization included in the banking conglomerate, a major participant of the bank, the bank holding company;

2) providing recommendations of the authorized body on elimination of the revealed deficiencies, risks or violations;

3) warning about the possibility of applying other supervisory response measures in case of repeated detection by the authorized body of deficiencies, risks or violations, as well as non-fulfillment of recommendatory measures of supervisory response.

3. The recommendatory measure of supervisory response shall be drawn up by a letter of the authorized body.

Footnote. Chapter 4 is supplemented by Article 45-2 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 46. Measures for improving financial situation and (or) minimizing risks

1. The authorized body in order to eliminate deficiencies, risks or violations, including those identified with the use of reasoned judgment, shall apply measures for improving financial situation and (or) minimizing the risks of the bank, an organization carrying out certain types of banking operations, a bank holding company, a banking conglomerate and (or) organizations included in a banking conglomerate, a major participant of the bank by filing claims for:

1) maintenance of equity capital adequacy ratios and (or) liquidity ratios above the minimum values established by the authorized body;

2) suspension and (or) restriction of carrying out certain types of banking and other operations, commission of certain types of transactions or establishment of a special procedure for their implementation;

3) restructuring of assets and (or) liabilities of the bank, including changes in their structure;

4) reducing costs, including through the termination or limitation of additional hiring of employees, closure of certain branches and representative offices, subsidiaries, limitations on monetary rewards and other types of material incentives for the executives;

5) suspension and (or) limitation of investments in certain types of assets or establishment of a special procedure for their implementation;

6) formation of provisions (reserves) according to international financial reporting standards;

7) recognition of an individual or a legal entity as a person related with a bank, a bank holding company, an organization carrying out certain types of banking operations by special relations;

8) changing the terms of a transaction made on preferential terms with a person related with the bank, a bank holding company, an organization carrying out certain types of banking operations by special relations, on the terms of similar transactions with third parties on the date of transaction with preferential terms;

9) restriction of transactions with the persons related with a bank, a bank holding company, an organization carrying out certain types of banking operations by special relations;

10) termination of accrual and (or) payment of dividends on ordinary and (or) preferred shares and (or) perpetual financial instruments;

11) revision of internal policies and procedures, limits on the allowable amount of risks, procedures for assessing the effectiveness of the risk management and internal control system;

12) removal from the performance of official duties of persons specified in Article 20 of this Law and the regulatory legal act of the authorized body, which establishes the procedure for the formation of a risk management and internal control system, including in case of removal by a bank, a bank holding company, an organization carrying out certain types of banking operations, a bank - non-resident of the Republic of Kazakhstan, of persons specified in Article 20 of this Law, from the performance of official duties to the application by the authorized body of this supervisory response measure. When applying this measure of supervisory response to an executive employee, the authorized body shall withdraw a consent to the appointment (election) to the position of an executive employee;

13) conducting assessment of property value owned by a major participant of the bank and (or) a bank holding company;

14) elimination of the causes and (or) conditions that contributed to violation of the rights and legitimate interests of depositors and (or) creditors and (or) customers of banks, organizations carrying out certain types of banking operations;

15) ensuring compliance of their activities with the legislation of the Republic of Kazakhstan.

For the purposes of applying to branches of non-resident banks of the Republic of Kazakhstan subparagraph 1) of the first part of this paragraph, the equity capital adequacy ratio shall be understood to mean the adequacy ratio of assets taken as a reserve.

2. The measures provided by paragraph 1 of this Article shall be applied in the form of a written order or a written agreement.

3. A written order is an instruction to the bank, an organization, carrying out certain types of banking operations, a bank holding company, organizations included in the banking conglomerate, a major participant of a bank for adoption of binding measures established by paragraph 1 of this Article, and (or) the need to submit within the established term an action plan on their implementation (hereinafter – the action plan).

The action plan shall include a description of deficiencies, risks or violations, causes that led to their occurrence, a list of planned activities, the terms of their implementation, as well as responsible executives.

4. A written agreement is concluded written agreement between the authorized body and the bank or an organization carrying out certain types of banking operations, and a bank holding company, or organizations included in a banking conglomerate or a major participant of the bank, on execution of measures established by paragraph 1 of this Article, indicating the terms for elimination of the revealed deficiencies, risks or violations and (or) the list of restrictions, which these individuals take to themselves until elimination of the revealed violations and (or) deficiencies.

The written agreement shall be subject to mandatory signature by the bank or an organization carrying out certain types of banking operations, or a bank holding company, or organizations included in a banking conglomerate, or a major participant of the bank.

5. A bank, an organization carrying out certain types of banking operations, a bank holding company, an organization included in a banking conglomerate, or a major participant of the bank shall be obliged to notify the authorized body of execution of the measures, specified in the written order and written agreement within the terms provided by these documents.

6. In the absence of possibility to eliminate the violations within the terms, specified in the written order and (or) action plan, a written agreement for reasons independent from the bank, a bank holding company, an organization included in a banking conglomerate, a major participant of the bank, an organization, carrying out certain types of banking operations, the term for execution of the written order and (or) action plan, a written agreement can be extended until the date established by the authorized body.

Footnote. Article 46 is in the wording of the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 47. The sanctions

Footnote. Article 47 is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 47-1. Coercive supervisory response measures

Footnote. The title of article 47-1 is in the wording of the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VІ (shall be enforced from 01.01.2019).

1. The authorized body shall apply the coercive supervisory response measures to the persons, having characteristics of a large participant of the bank or a bank holding company and major participants of the bank, a bank holding company and organizations included in a banking conglomerate, in cases:

1) provided by paragraph 11 of Article 17-1, paragraph 5 of Article 42 and paragraph 6 of Article 57 of this Law;

2) if application of other supervisory response measures cannot ensure protection of legitimate interests of depositors and creditors, financial stability of the bank and (or) a bank conglomerate, minimization of risks, connected with activity of the bank, a bank holding company;

3) if the actions (inaction) of a bank holding company and (or) a major participant of the bank may lead to further deterioration of financial situation of the bank, a bank holding company.

2. In the cases, provided for in paragraph 1 of this Article, the authorized body shall be entitled:

1) to require an entity, having the characteristics of a major participant, as well as the major participant of the bank to reduce its share of the direct or indirect ownership to the level lesser than ten percent of the voting shares of the bank;

2) to require an entity, having the characteristics of a bank holding company, as well as the bank holding company to reduce the share of direct or indirect ownership to the level lesser than twenty-five percent of the voting shares of the bank and to suspend transactions (direct or indirect) between the entity and the bank, that expose risks to the bank;

3) to require the bank and bank holding company in relation to the organizations, in which the bank or bank holding company is a shareholder (participant), as well as the organizations, incorporated in the banking conglomerate, to suspend transactions (direct or indirect) between them, exposing risks to the bank and (or) the bank holding company or the organizations, incorporated in the banking conglomerate;

4) to require the bank or the entity, having the characteristics of a bank holding company and a bank holding to alienate its share of ownership or control over a subsidiary organization of the organizations in the capital of which they have a significant ownership interest;

5) to require the organizations, incorporated in the banking conglomerate, to suspend transactions (direct or indirect) between them and their affiliates that expose risks to the organizations, incorporated in the banking conglomerate;

6) in order to increase the equity capital of the bank or banking conglomerate in the amount sufficient to ensure financial stability of the bank or the banking conglomerate, to require the bank holding company, the major participant of the bank to take measures for additional capitalization of the bank or the banking conglomerate.

3. In case if the major participant of the bank, bank holding company or the entity, having the characteristics of a major participant of the bank or bank holding company, fail to fulfill the requirements, provided for in paragraph 2 of this Article, and paragraph 6 of Article 57 of this Law, on the basis of the authorized body’s decision, the trust management of the bank's shares shall be established, that are owned by a major participant of the bank, bank holding company or the entity, having the characteristics of the major participant of the bank, bank holding company. These shares shall be transferred in trust management to the authorized body for up to three months.

The authorized body shall be entitled to make a decision on transference of the bank’s shares, owned by a major participant of the bank, bank holding company or the entity, having the characteristics of the major participant of the bank or bank holding company, to the trust management of the national management holding company.

In the case of transference of the bank’s shares, owned by a major participant of the bank, bank holding company or the entity, having the characteristics of a major participant of the bank or bank holding company, to the trust management of the national management holding, the period for which the trust management of the shares is established, shall be defined by the decision of the authorized body on establishment of the trust management.

During the trust management of the bank’s shares, performed by the authorized body or the national managing holding, the owner of the shares shall have no right to take any action in respect of the shares, held in trust.

A major participant of the bank, bank holding company or the entity, having the characteristics of a major participant of the bank, bank holding company, shall be entitled to apply to the authorized body for the sale of all the owned shares to the persons, specified in the petition.

The petition shall be granted by the authorized body if the purchasers of the shares, specified in the petition, comply with the requirements of the legislative acts of the Republic of Kazakhstan.

If the grounds are not eliminated for transference of the bank’s shares, owned by a major participant of the bank, bank holding company or the entity, having the characteristics of a major participant of the bank or bank holding company in trust management until the expiry of the timeframe, for which the trust management was established, the authorized body or the national management holding company shall alienate the bank’s shares, held in trust, through their selling at the organized securities market at the market price, prevailing on the date of the decision making on selling the shares. In the absence of the information on the market value of the shares, the shares’ price may be defined by the appraiser in accordance with the legislation of the Republic of Kazakhstan. The money, received from selling the shares shall be transferred to the entities, which shares were transferred in trust.

The actions for selling the bank’s shares, owned by a major participant of the bank, bank holding company or the entity, having the characteristics of a major participant of the bank, bank holding company, shall be performed at the expense of the bank.

The order of the trust management of the bank’s shares, owned by a major participant of the bank, bank holding company or the entity, having the characteristics of the major participant of the bank or bank holding company, and the actions of the authorized body or the national holding company during the trust management, shall be established by the regulatory legal act of the authorized body.

4. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).
Footnote. Article 47-1 is in the wording by the Law of the Republic of Kazakhstan dated 23.10.2008 No 72 -IV (the order of enforcement See Art. 2); as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 47-2. Sanctions

1. The authorized body, the National Bank of the Republic of Kazakhstan, within their competence, has the right to apply to a bank, a bank holding company, organizations that are part of a banking conglomerate, large participants of the bank, as well as an organization that carries out certain types of banking operations, regardless of previously applied to them supervisory response measures a sanction in the form of suspension or revocation of a license and (or) annex to a license to conduct all or individual banking operations on the grounds established by Article 48 of this Law.

2. The decision on suspension or deprivation of the bank's license for conducting all or certain banking operations shall enter into force from the date of its adoption.

The validity of the bank's license for conducting all or certain banking operations shall be deemed suspended from the date of bringing such a decision to the attention of the bank.

3. Information on the decision to suspend or revoke the license and (or) annex to the license is published on the Internet resource of the authorized body, the National Bank of the Republic of Kazakhstan, in Kazakh and Russian languages.

4. The decision on deprivation of the license for conducting all banking operations may be appealed on behalf of the bank only by its shareholders.

4-1. The decision to revoke the license of a branch of a non-resident bank of the Republic of Kazakhstan for conducting all banking operations may be appealed on behalf of a branch of a non-resident bank of the Republic of Kazakhstan only a non-resident bank of the Republic of Kazakhstan.

A branch of a non-resident bank of the Republic of Kazakhstan, which license to conduct all banking operations has been revoked, shall not have the right to carry out banking or other activities.

5. The requirements of paragraphs 2, 3 and 4 of this Article shall apply to cases of revocation of a license and (or) an annex to the license of an organization carrying out certain types of banking operations.

Footnote. Chapter 4 is supplemented by Article 47-2 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI(shall be enforced from 01.01.2019); as amended by the laws of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020); dated 26.06.2020 No. 349-VI(shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 48. Grounds for suspension, termination or deprivation of the license and (or) the Appendix to the license for conducting all or certain banking operations

Footnote. The title of Article 48 is in the wording of the Law of the Republic of Kazakhstan dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication).

1. Suspension or revocation of a license and (or) annex to it for carrying out all or individual banking operations is carried out on any of the following grounds:

1) non-compliance in the course of the activities of the bank and the organization carrying out certain types of banking operations, the requirements of Article 20 , paragraphs 2 and 7 of Article 26 of this Law;

2) revocation of the status of a bank holding company, a major participant in a bank - an individual who owns twenty-five or more percent of the bank's outstanding (less preferred and repurchased by the bank) shares of the bank, if the bank does not have another bank holding company or a major participant - an individual who owns twenty-five or more than a percentage of the bank’s shares;

3) the bank (with the exception of banks, more than fifty percent of the outstanding shares of which are directly or indirectly owned by the state and (or) the national managing holding), which has a license to accept deposits, open and maintain bank accounts of individuals, a parent bank or a bank holding company, having the minimum required rating of one of the rating agencies, the list of which is established by the regulatory legal act of the authorized body, or a major participant - an individual;

4) carrying out banking operations with systematic (three or more times within twelve consecutive calendar months) violations of the current legislation;

5) failure to comply with the obligation to disclose the general conditions for conducting banking operations, established by Article 32 of this Law;

6) violation of the prohibition, established by Article 40 of this Law, on the provision of preferential conditions to persons connected with the bank by special relations;

7) systematic (three or more times within twelve consecutive calendar months) violation of the legislation of the Republic of Kazakhstan on issues falling within the competence of the authorized body or the National Bank of the Republic of Kazakhstan, or systematic (three or more times within twelve consecutive calendar months) failure to comply with supervisory measures response applied by the authorized body, the National Bank of the Republic of Kazakhstan;

8) inconsistency of the risk management and internal control system with the requirements of the authorized body;

9) carrying out activities prohibited and limited for banks in accordance with the terms of Article 8 of this Law;

10) the implementation by the bank of operations that go beyond the limits of its legal capacity established by this Law, the charter of the bank and a license to conduct banking operations;

11) failure by a bank, an organization engaged in certain types of banking operations, in accordance with the license issued by it and (or) annex to it, within twelve consecutive calendar months from the date of its (his) issue;

12) failure by a legal entity operating exclusively through exchange offices on the basis of a license of the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, during twelve consecutive calendar months of activity in accordance with the issued license and (or) annex to it;

13) inconsistency of a legal entity operating exclusively through exchange offices on the basis of a license of the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, with the qualification requirements for the activity of carrying out exchange operations with foreign currency in cash exclusively through exchange offices;

14) making a decision by the court to terminate the bank's activities;

15) non-fulfillment by a bank holding company, a major participant of the bank, of the requirements of the authorized body to increase the bank's equity capital, as well as the requirements imposed in accordance with paragraph 2 of Article 47-1 of this Law;

16) classification of a bank as an insolvent bank in accordance with this Law.

17) failure by the branch of a non-resident bank of the Republic of Kazakhstan to meet the requirements for the amount of assets accepted as a reserve, established by the regulatory legal act of the authorized body in accordance with part three of paragraph 6 of Article 42 of this Law;

18) suspension or revocation of a non-resident bank of the Republic of Kazakhstan of a license to conduct all or certain essentially similar banking operations by a financial supervisory authority or a court of the state of which the non-resident bank of the Republic of Kazakhstan is a resident;

19) making a decision by the court of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, on the forced liquidation (termination of activities) of a non-resident bank of the Republic of Kazakhstan;

20) making a decision by the court to terminate the activities of a branch of a non-resident bank of the Republic of Kazakhstan in cases provided for by part two of paragraph 4 of Article 74-5 of this Law.

1-1. The bank (with the exception of the Islamic Bank), which is not a member of the obligatory deposit insurance, forfeits its license to accept deposits, open and maintain bank accounts of individuals.

1-2. Is excluded by the Law of the Republic of Kazakhstan dated 10.06.2014 No. 206-V (shall be enforced upon expiry of ten calendar days after its first official publication).
1-3. Is excluded by the Law of the Republic of Kazakhstan dated 10.06.2014 No. 206-V (shall be enforced upon expiry of ten calendar days after its first official publication).

1-4. Termination of the license and (or) annex to the license to conduct all or certain banking operations shall be carried out on the grounds provided for by the Law of the Republic of Kazakhstan “On Permissions and Notifications”, when issuing a permission to a bank for voluntary liquidation, permission to a branch of a non-resident bank of the Republic of Kazakhstan for voluntary termination of activities.

2. In determining the appropriateness of applying sanctions and choosing the sanction in the form of suspension or deprivation of the license and (or) the Appendix to the license for conducting all or certain banking operations, the following shall be taken into account:

1) the level of risk, nature of violations and (or) deficiencies and their consequences;

2) the scale and significance of the violations and (or) deficiencies and their consequences;

3) regularity and duration of violations and (or) deficiencies;

4) the impact of violations and (or) deficiencies on the financial situation;

5) the reasons which caused occurrence of the revealed violations and (or) deficiencies;

6) adoption by the bank, an organization carrying out certain types of banking operations, of independent measures aimed at eliminating deficiencies, risks or violations revealed in the activity;

7) the possibility of taking settlement measures against an insolvent bank.

Footnote. Article 48 as amended by the Decree of the President of the Republic of Kazakhstan having the force of Law dated 27.01.1996 No 2830, the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 08.12.1997 No 200; dated 16.07.1999 No 436; dated 02.03.2001 No 162 (see Art. 2); dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 08.07.2005 No 69; dated 23.12.2005 No 107 (the order of enforcement see Art. 2 of the Law No 107); dated 31.01.2006 No 125; dated 12.01.2007 No 222 (shall be enforced upon expiry of six months from the date of its first official publication); dated 19.02.2007 No 230 (the order of enforcement see Art. 2); dated23.10.2008 No 72 -IV (the order of enforcement see Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 28.08.2009 No 192 -IV (shall be enforced from 08.03.2010 ); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.06.2012 No 19 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforce upon expiry of ten calendar days after its first official publication.); dated 16.05.2014 No. 203-V (shall be enforced upon expiry of six months after its first official publication); dated 10.06.2014 No. 206-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 27.04.2015 No. 311-V (shall be enforced from 01.09.2014); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 No. 168-VI (see Article 2 for enforcement); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 48-1. Consequences of revocation of the bank’s license

1. The bank, whose license to perform banking transactions was revoked, shall not be entitled to conduct banking and other activities.

From the date of revoking of the bank license for all banking operations:

1) all operations on bank accounts of clients and the bank itself shall be terminated, except for the cases related to:

expenses provided by regulatory legal acts of the authorized body;

crediting money received in favor of the bank;

the return of money received and received in favor of persons whose bank accounts are closed, as well as money received and received on erroneous instructions;

expenses on execution of the clients’ instructions on transfers of the money received on their bank accounts after deprivation of the bank of the license, provided absence of debt of the client to the bank or repayment by the client of the available debt to the bank;

conducting operation provided by Articles 61-11 and 61-12 of this Law;

2) the founders (participants), the bodies of the bank shall have no right to dispose the assets of the bank;

3) the executive employees, and, if necessary, other employees of the bank shall be suspended from work in accordance with the labor legislation of the Republic of Kazakhstan;

4) the creditors’ claims against the bank may only be brought in a liquidation proceeding, except for the claims, related to the current costs for the bank’s maintenance;

5) recovery of money from bank accounts of bank according to the claims of the creditors, state revenue bodies, including those subject to satisfaction in the indisputable (non-acceptance) order, as well as foreclosure on property of the bank shall not be allowed;

6) officials and major participants of the bank shall be prohibited from alienating their shares of the bank;

7) the implementation of the previous decisions, taken by the courts in respect of the bank shall be suspended;

8) the obligations on repayment of the principal, interest and penalties (fines, penalties) shall be executed by the debtors of the bank in accordance with the bank loan contracts and other types of transactions;

9) the liabilities of the bank which is a clearing participant for transactions with financial instruments concluded in the trading systems of the trade organizers by the open bidding method and (or) with participation of the central counterparty, shall be performed by the clearing organization (central counterparty), including through the full use by the clearing organization (central counterparty) of financial instruments that are the full or partial collateral for obligations on transactions under which clearing activity is carried out, by margin contributions, contributions to the guarantee funds of the clearing organization (central counterparty), in accordance with the procedure established by the regulatory legal act of the authorized body and internal documents of the clearing organization (central counterparty).

1-1. After deprivation of the bank of the license for conducting all banking operations, the authorized body shall appoint the temporary administration (temporary administrator) of the bank.

The powers of the previously existing bodies of the bank shall be suspended.

1-2. The temporary administration (temporary administrator) of the bank within ten working days from the date of deprivation of the bank's license shall have the right to make a decision on carrying out the operation provided by Articles 61-11 and 61-12 of this Law and apply to the authorized body for approval of the issue on conducting this operation.

The authorized body shall, within a period of not more than ten working days, approve or refuse to conduct the operation provided by Articles 61-11 and 61-12 of this Law by the temporary administration (temporary administrator) of the bank.

The authorized body after conducting by the temporary administration (temporary administrator) of the bank of the specified operation shall apply to the court within ten working days with an application for compulsory termination of the activity (liquidation) of the bank in the manner established by the legislation of the Republic of Kazakhstan.

In case of failure by the temporary administration (temporary administrator) of bank to take decision on conducting the operation, provided by Articles 61-11 and 61-12 of this Law, within the period specified in part one of this paragraph, or refusal by the authorized body in the conduct of this operation, the authorized body within ten working days shall apply to the court with an application on the forced termination of activity (liquidation) of the bank in the order established by the legislation of the Republic of Kazakhstan.

1-3. Temporary administration (temporary administrator) of the bank on transactions executed by the bank, deprived the license for conducting all banking operations, or a person authorized by him within three years prior to the date of deprivation of the license, shall have the right to apply to the court with an application for recognition of transactions invalid if there are grounds for invalidity of transactions provided by the civil legislation of the Republic of Kazakhstan and paragraph 2 of Article 61-13 of this Law.

The consequences of recognition of transactions invalid, provided by paragraph 3 of Article 61-13 of this Law shall apply to the bank deprived of a license for conducting all banking operations.

2. The procedure for work of the bank, appointment of its temporary administration (temporary administrator), powers of temporary administration (temporary administrator), as well as the procedure, forms and terms for submission by the temporary administration (temporary administrator) of the accounts and other information to the authorized body shall be determined by regulatory legal acts of the authorized body.

3. The temporary administration (temporary administrator) of the bank shall carry out its activity until the appointment of liquidation commission of the bank by the authorized body.

Control over the activity of the temporary administration (temporary administrator) of the bank until the appointment of liquidation commission of the bank shall be carried out by the authorized body.

In order to carry out control over the activity of the temporary administration (temporary administrator), the authorized body shall have the right in case of revealing in the activity of the temporary administration (temporary administrator) violations of requirements of the legislation of the Republic of Kazakhstan, rights and legitimate interests of creditors to issue compulsory for execution by temporary administration (temporary administrator) written orders on elimination of the revealed violations and (or) reasons and conditions, promoting to commit them, in the established term and (or) submission of the action plan the established term.

The action plan, submitted within the term, established by a written order shall specify the descriptions of the violations, the reasons that led to their occurrence, a list of planned activities, terms for their carrying out and responsible officials.

An appeal against a written order of the authorized body shall be carried out in the manner prescribed by the laws of the Republic of Kazakhstan. Appeal against a written order of the authorized body does not suspend its execution.

4. A report of temporary administration (temporary administrator) of the bank about the work accomplished shall be submitted to the authorized body for approval.

5. The temporary administration (temporary administrator) of the bank shall lay down its powers and transfer the documents and property of the bank to the chairman of the liquidation commission of the bank within one month from the date of appointment of the liquidation commission of the bank.

6. Acceptance and transfer of documents and property of the bank from the temporary administration to the chairman of the liquidation commission shall be drawn up in the protocol, which is made in four copies, one of which is sent to the authorized body, the second – to the court that has made a decision on the liquidation of the bank.

7. During the period of its activity, the temporary administration (temporary administrator) of the bank shall not have the right to:

carry out expenditure operations, except for the cases provided by paragraph 1 of this Article;

change the terms of contracts previously concluded by the bank, except for making changes by agreement of the parties that do not deteriorate financial situation of the bank.

8. Financing of expenses related to the forced reorganization and termination of activity of the banks on the basis of forced liquidation shall be prohibited by the authorized body, except for the expenses related to the payment of employees of the authorized body included in the temporary administration (temporary administrator) of the bank and the liquidation commission, as well as the costs for publishing in the official publications of the Ministry of Justice of the Republic of Kazakhstan in the Kazakh and Russian languages of information on the court decision about the forced liquidation of the bank and the costs, related with state registration of termination of activity of the bank on the basis of forced liquidation by the Corporation and with the delivery of documents for storage in archive after the completion of liquidation of the bank in cases of absence of the bank property or if its value is insufficient to cover these costs.

Footnote. The Law is supplemented by Article 48-1in accordance with the Law of the Republic of Kazakhstan dated 11.07.1997 No 154; as amended by the Law of the Republic of Kazakhstan dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 07.11.2014 No. 248-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 No. 168-VI (the order of enforcement see Art. 2); dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019); dated 03.07.2019 No. 262-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 29.06.2020 No. 351-VI (shall come into force from 01.07.2021).

Article 49. The grounds and procedure for revocation of permission to open a bank

Footnote. Article 49 is excluded by the Law of the Republic of Kazakhstan dated 25.11.2019 No. 272-VI (shall be enforced from 02.01.2020).

Article 50. Bank secrecy

1. Bank secrecy includes information about the clients and correspondents of banks, their transactions and relationships with banks related to the receipt of banking services, including without limitation: information about the presence, owners and numbers of bank accounts and correspondents of banks, balances and movement of money in these accounts and the accounts of the bank itself, limitations on the transferred accounts (decisions and (or) orders of state bodies on suspension of expenditure operations, arrests, pledges), transactions of the clients and correspondents and the bank itself (except for general conditions of conducting banking operations), as well as availability, owners, nature and value of the property of the clients, stored in safe boxes, cabinets and premises of the bank, information on the receipt of loans by the clients (except for the cases, determined in this Article), transactions on payments and (or) money transfers, including those performed without opening a bank account.

Information on loans, issued by the bank in the process of liquidation does not belong to bank secrecy.

2. Banks shall guarantee the secrecy on transactions and accounts of their depositors, clients and correspondents of banks, as well as the secrecy of property stored in safe boxes, cabinets and premises of banks, and other information constituting a banking secrecy in accordance with this Article.

3. Officials, employees of banks, bank holding companies-residents of the Republic of Kazakhstan, legal entities, specified in subparagraphs 8), 8-1) and 8-2) of part two of paragraph 4 of this Article, and other persons who by virtue of their official duties have received access to information constituting a bank secrecy, shall bear criminally liability for their disclosure, except for the cases provided by paragraphs 4-8, 8-1 of this Article.

4. Bank secrecy may be disclosed only to the client, any third party with the consent of the owner of the account (property), given in writing or by means of identification of the account owner, the credit bureau for a bank loan, leasing, factoring and forfeiting operations, accounting of promissory notes, and issued bank guarantees, sureties, letters of credit in accordance with the laws of the Republic of Kazakhstan, as well as to the persons specified in paragraphs 5, 6, 6-1, 7, 7-1, 7-2, 8 and 8-1 of this Article, on the grounds and to the extent provided by this Article.

The following shall not be a disclosure of the banking secrecy:

1) mandatory notification of state revenue bodies by banks exclusively for the purposes of tax administration on opening of bank accounts to an individual registered as an individual entrepreneur, private notary, private bailiff, lawyer, professional mediator, a foreigner and a stateless person, a legal entity, including a non-resident, its structural subdivisions;

1-1) provision by banks to the authorized body for financial monitoring of information, of data and documents in accordance with the Law of the Republic of Kazakhstan "On Counteraction of Legitimization (Laundering) of Incomes Received by Illegal Means, and Financing of Terrorism";

1-2) providing the operator of the "electronic government" payment gateway, state bodies and courts through the payment gateway of "electronic government" with data and information about payments and money transfers related to the payment of payments to the budget, transfer of mandatory pension contributions, mandatory professional pension contributions and social contributions, payment for public services, carried out by banks directly when making these payments and money transfers, as well as providing information on returned payments and money transfers, carried out by the central authorized body for budget execution;

1-3) submission by banks to the state revenue authority solely for the purpose of tax administration of information on assignment agreements concluded with collection agencies, in the form, established by the authorized state body, carrying out management in the field of ensuring the tax revenues and other obligatory payments to the budget, in agreement with the National Bank of the Republic of Kazakhstan;

1-4) submission of information and (or) documents on export or import transactions subject to control in accordance with the currency legislation of the Republic of Kazakhstan to the state revenue body, by banks, the National Bank of the Republic of Kazakhstan in the manner prescribed by the legislation of the Republic of Kazakhstan;

1-5) submission by banks to the state revenue body of information and documents required for conducting tax audit and horizontal monitoring;

1-6) submission to the state revenue bodies of information on payments and (or) money transfers on currency transactions in cases, established by the laws of the Republic of Kazakhstan;

1-7) exchange of information, including information constituting bank secrecy, between the authorized body and the National Bank of the Republic of Kazakhstan;

1-8) at the request of the state revenue authorities for taxpayers - an individual registered as an individual entrepreneur or a person engaged in private practice, to a legal entity, to submit information on the total amounts of payments for the calendar year received on the current account through the use of equipment (device) designed to make payments using payment cards and mobile payments;

Subparagraphs 1-9 are suspended until 01.01.2025 by the Law of the Republic of Kazakhstan dated 31.12.2021 No. 100 and during the suspension period from 01.01.2022 to 01.01.2024 this paragraph is valid in the following edition.

1-9) when identifying transactions that have signs of receiving income from entrepreneurial activities according to certain criteria established by the authorized state body that manages the provision of taxes and other obligatory payments to the budget, in agreement with the National Bank of the Republic of Kazakhstan, submits to the authorized state body exercising management in the field of ensuring the receipt of taxes and other obligatory payments to the budget, information on the following individuals:

persons holding a responsible public position and their spouses;

persons authorized to perform state functions and their spouses;

persons equated to persons authorized to perform state functions and their spouses;

persons who are obligated to submit a declaration in accordance with the Constitutional Law of the Republic of Kazakhstan "On Elections in the Republic of Kazakhstan" and the laws of the Republic of Kazakhstan "On Combating Corruption", "On Banks and Banking Activities in the Republic of Kazakhstan", "On Insurance Activities", "On the securities market".

The criteria for classifying transactions carried out on bank accounts of individuals as transactions that have signs of receiving income from entrepreneurial activities, the procedure, form and terms for submitting information are established by the authorized state body in charge of ensuring tax revenues and other obligatory payments to the budget, in coordination with the National Bank of the Republic of Kazakhstan;

2) providing the issuer of securities and the representative of the holders of securities with information on a bank loan agreement (granted loan), the rights (claims) under which are transferred as collateral for securities, including as part of a securitization transaction;

2-2) disclosure by the authorized body of information on transactions with securities and other financial instruments concluded in the organized and unorganized securities market, corresponding to one of the conditions of manipulation in the securities market;

3) submission of information about the balances of money in bank accounts of individuals and the remuneration accrued on them by the bank and (or) the temporary administration introduced in connection with the revocation of the license to conduct all banking operations, to agent banks to carry out activities related to the return of money to depositors; audit organization on the basis of the written consent of the account holder;

3-1) submission by the bank – a member of mandatory deposit guarantee system, classified as a bank with an unstable financial situation that threatens the interests of its depositors and creditors and (or) a threat to the stability of the financial system, and (or) classified as insolvent banks, by temporary administration for the bank management (temporary bank manager) of information about individuals’ deposits, as well as information about their obligations in case of coincidence of the depositor and the debtor in one person of the organization carrying out obligatory deposits guarantee, to perform functions, provided by the legislation of the Republic of Kazakhstan on mandatory deposit guarantee;

3-2) submission by the bank, the provisional administration introduced in connection with the revocation of the license to conduct all banking operations, the liquidation commission of the bank to the organization that carries out the obligatory guarantee of deposits, information on the balances of money in bank accounts of individuals and on the remuneration accrued on them, as well as if the depositor and the debtor coincide in one person - information on their obligations;

4) submission to other banks of the data necessary for carrying out operations, provided by Articles 61-2, 61-4, 61-11 and 61-12 of this Law;

4-1) submission in electronic form by banks at the request of the subject of the provision of services in electronic form and the subject of receipt of services in electronic form, information about the bank account belonging to the person specified in the request, and the existence of a contract of pledge of movable property - in the provision of public services in electronic form in in accordance with the Law of the Republic of Kazakhstan "On Informatization";

4-2) submission in electronic form by banks at the request of the subject of the provision of services in electronic form and the subject of receipt of services in electronic form, information about the amount of money, date of payment, the sender of the money and the beneficiary when individuals and legal entities make payments for the services provided in electronic form in accordance with the Law of the Republic of Kazakhstan "On Informatization";

4-3) submission by the bank to the state revenue bodies of information about the presence (opening), owners and numbers of bank accounts of depositors, clients and correspondents of the bank, being the residents (taxpayers) of a foreign state and (or) major participants of which are residents (taxpayers) of a foreign state, as well as on balances and movement of money on these accounts and the accounts of the bank itself, bank operations and other information necessary for carrying out by the bodies of state revenues of obligations, provided by international treaty of the Republic of Kazakhstan;

4-4) excluded by the Law of the Republic of Kazakhstan dated 31.12.2021 No. 100 (shall be enforced from 01.01.2022).

4-5) submission by banks to the state revenue body of information on the balances and movement of money on bank accounts of persons registered with the state revenue bodies as taxpayers, carrying out activity on electronic trade in goods;

4-6) provision by the bank to the authorized body of information on incidents of information security of the bank, including information on violations, failures in information systems;

4-7) provision by the authorized body to the National coordination center for information security of information on incidents of information security of the bank, including information on violations, failures in information systems, if there is a threat to the stability of the financial and (or) payment system of the Republic of Kazakhstan;

4-8) provision by the authorized body to the audit organization of information, specified in part five of paragraph 9 of Article 57 of this Law;

4-9) submission by the member bank of the syndicate of creditors to the agent bank of the information necessary for the organization and implementation of syndicated financing in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization;

5) submission of information by second-tier banks to an organization, specializing in improving the quality of credit portfolios of second-tier banks, as well as to a legal entity carrying out an independent assessment of assets, technical and (or) financial and (or) legal audit, as well as other services necessary to carry out its statutory activity by the organization, specializing in improving the quality of credit portfolios of second-tier banks;

5-1) submission of certificates on availability and numbers of bank accounts, balances and money movement on these accounts, bank operations (except for general conditions of conducting banking operations), as well as information about the availability, nature and value of the property, stored in safe boxes, cabinets and premises of the bank, represented by an organization specializing in improving the quality of loan portfolios of second-tier banks, in respect of a person that is a borrower, guarantor, surety, lessee or mortgagor of the organization, upon written request of the organization, signed by the chairman of the board or his/her deputy, subject to submission of copies of the documents, confirming acquisition by the organization of the rights of claim on this credit with the mark of the organization "True Copy".

The inscription "True Copy" is specified without quotation marks, shall be signed by the authorized person of the organization with appropriate authority to certify copies of documents, indicating his/her position, name and initials, the date of certification and affixed with seal of the organization, with the exception of subjects of private entrepreneurship;

5-2) submission by banks of the second level of the organization of stability, one hundred percent of the voting shares of which belong to the National Bank of the Republic of Kazakhstan, information necessary for the implementation of the Refinancing Programs for housing mortgage loans (mortgage loans) and (or) increasing the financial stability of the banking sector of the Republic of Kazakhstan, approved by the National Bank Bank of the Republic of Kazakhstan;

6) submission of information to the bank’s creditors by the bank, which is under restructuring, the liabilities to which are to be restructured, to other banks within the framework of the restructuring on the restructured assets and liabilities;

7) submission by the banks and organizations, engaged in certain types of banking transactions, of the negative information to the credit bureaus and submission of negative information by the credit bureaus about the subject of a credit record in part of the arrears of more than one hundred and eighty days;

8) provision by persons, specified in part one of paragraph 4 of Article 36-1 of this Law, of information about bank loan agreement (issued loan) to persons, indicated in part one of paragraph 4 of Article 36-1 of this Law, in case of assignment (transfer) of rights (claims) under a bank loan agreement;

8-1) provision by an organization specializing in improving the quality of credit portfolios of second-tier banks to a legal entity, carrying out trust management of dubious and hopeless assets, of information on a credit (loan), the rights of claim on which have been acquired by this organization;

8-2) provision by persons, specified in part one of paragraph 4 of Article 36-1 of this Law, of information about credit (loan) to a collection agency under a debt collection agreement concluded with this collection agency, or to a service company under an agreement on trust management of rights (claims) in accordance with статьей 36-1 of this Law;

9) submission of information by a bank to the bank holding company-resident of the Republic of Kazakhstan for calculation of prudential standards by the banking conglomerate, as well as the formation of the system of risk management and internal controls of the banking conglomerate;

10) submission of documents to other banks, confirming the issuance of a bank loan;

11) is excluded by the Law of the Republic of Kazakhstan dated 07.03.2014 No. 177-V (shall be enforced upon expiry of ten calendar days from the date of its first official publication);

12) was valid from 01.01.2014 to 01.01.2020 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2014 No. 225-V (the order of enforcement see Art. 2 );

13) submission by an official of a state body or a person performing managerial functions in an organization of documents and information containing bank secrets as supporting documents and materials when sending a report on a criminal offense to the criminal prosecution body;

14) submission in electronic form by the bank, at the request of a notary, formed in electronic form with the consent of the bank client, of information on the availability and amount of money on the escrow account opened for the bank client to complete a transaction with real estate in a non-cash form according to the certification of an agreement on real estate alienation performed by the notary;

15) submission by the National Bank of the Republic of Kazakhstan to the state revenue authorities and the authorized body of information and information on the withdrawal of cash by business entities from bank accounts in excess of the established limits in accordance with the rules for the withdrawal of cash by business entities from bank accounts;

16) submission by banks of information, data, and documents constituting bank secrecy on the persons included in the register, at the written request of the authorized body for the return of assets, signed by the first head or the person acting at his/her duties, with an attachment of an extract from the register approved in accordance with Law of the Republic of Kazakhstan “On the return of illegally acquired assets to the state”.

5. Certificates of the availability and numbers of bank accounts are issued to the bank, in relation to which the owner of the account (accounts) is a borrower, guarantor, surety, lessee or pledger, on the basis of the bank's request, subject to the submission of documents confirming the receipt of a loan, the list and procedure for submitting which are established in the regulatory legal acts of the National Bank of the Republic of Kazakhstan.

The bank may send requests and documents confirming the receipt of the credit, on paper or in electronic form.

6. Certificates about availability and numbers of bank accounts of legal entities and (or) its structural subdivision, as well as current accounts of an individual carrying out entrepreneurial activity without forming a legal entity, private notary, private bailiff, lawyer, professional mediator about the balances and movement of money on these accounts shall be issued to:

a) the state bodies and officials carrying out the functions of criminal prosecution: on criminal cases in their proceedings on the basis of a written request certified by the seal and authorized by the Prosecutor;

b) the courts: on cases in their proceedings on the basis of determination, resolution, decision and sentence of the court;

c) the public prosecutor: on the basis of the decision on examination, within his competence, for the case that is under his consideration;

c-1) the national security bodies and state security Service of the Republic of Kazakhstan with the sanction of the Prosecutor for the purpose of prevention, opening and suppression of intelligence and (or) subversive actions;

d) is excluded by the Law of the Republic of Kazakhstan dated 28.11.2014 No. 257 (the order of enforcement see subparagraph 12)of Article. 10);

e) the state revenue bodies for tax administration, customs control in respect of:

the audited legal entity and (or) its structural subdivision on the issues related to taxation;

of the verified individual;

the audited individual registered as an individual entrepreneur, private notary, lawyer, private bailiff, professional mediator, on the issues related to taxation;

an individual, removed from the registration as an individual entrepreneur and terminated activity in a simplified manner for a period of time not exceeding the limitation period established by the tax legislation of the Republic of Kazakhstan;

legal entity and (or) its structural subdivision, individual entrepreneur, private notary, private bailiff, lawyer, professional mediator, the actual absence of whom at the place of location is confirmed in the procedure established by the tax legislation of the Republic of Kazakhstan and who have not submitted the tax reports before the expiration of six months after the deadline for its submission, established by the tax legislation of the Republic of Kazakhstan, with the exception of extension period of such term in cases, provided by the tax legislation of the Republic of Kazakhstan;

a legal entity, an individual entrepreneur, a private notary, a private bailiff, a lawyer, a professional mediator, who are subject to the execution peculiarities of tax obligation upon termination of activity in accordance with the tax legislation of the Republic of Kazakhstan;

inactive legal entity, individual entrepreneur, private notary, lawyer;

the audited legal entity and (or) its structural subdivision, individual entrepreneur, who are residents of the Republic of Kazakhstan, as part of the customs inspection;

legal entities, structural subdivisions of legal entities, individuals registered as an individual entrepreneur, having within four months from the date of occurrence, the outstanding tax debt in the amount of more than 10,000 times the monthly calculation index, established by the Law on republican budget and effective on the 1st of January of the relevant financial year;

e -1) to state bailiffs: on the cases of proceedings in their production on the basis of the order of the state bailiff, certified by the seal of the justice body and sanctioned by the Prosecutor, only in part of information on availability and numbers of bank accounts of legal entities and (or) its structural subdivision, on availability of money in these accounts within the recovered amount;

e -2) to private bailiffs: on the cases of proceedings in their production on the basis of the order of the private bailiff, certified by the personal seal and sanctioned by the Prosecutor, or its copy certified by the personal seal, only in part of information on availability and numbers of bank accounts of legal entities and (or) its structural subdivision, on availability of money in these accounts within the recovered amount;

e-3) the authorized body in the field of rehabilitation and bankruptcy in relation of a person, on whom there is the court decision on recognition as bankrupt for the period within five years before initiation of a bankruptcy case and (or) rehabilitation from the sanctions of a prosecutor.

6-1. Certificates on availability and numbers of bank accounts of an individual, about the rests and movement of money on these accounts shall be issued to the bodies of state revenues in relation to:

a person registered in accordance with the procedure established by the Law as a candidate for the President of the Republic of Kazakhstan, deputies of the Parliament of the Republic of Kazakhstan and maslikhat, as well as members of local self-government bodies, and his/her spouse;

a person who is a candidate for a state position or for a position related to the performance of state or

a person holding a public position during the period of performing his/her powers and his/her spouse during the same period;

a person released on parole from serving a sentence.

The information provided for by this paragraph, subparagraph e) of paragraph 6, subparagraph 1) of the first part of paragraph 6-2 of this Article shall be submitted on the basis of a request from the state revenue authority solely for the purposes of tax administration in the form established by the authorized state body in charge of in the field of ensuring the receipt of taxes and other obligatory payments to the budget, in agreement with the National Bank of the Republic of Kazakhstan.

The information provided for in subparagraph 2) of part one of paragraph 6-2, paragraphs 6-3 and 6-4 of this Article shall be submitted on the basis of a request from the state revenue authority solely for the purpose of tax administration in the form established by the authorized state body exercising leadership in the field ensuring the receipt of taxes and other obligatory payments to the budget, in agreement with the authorized body.

Paragraph 6-2 shall be valid from 01.01.2021 to 01.01.2026 in accordance with the Law of the Repubic of Kazakhstan dated 18.11.2015 No. 412-V.

6-2. Banks and organizations carrying out certain types of banking operations shall submit the following information to the authorized state body in charge of ensuring the receipt of taxes and other obligatory payments to the budget, based on its request:

1) on the availability, numbers of bank accounts and on the balances of money on these accounts of individuals who are required to submit a declaration of assets and liabilities;

2) on granted loans to individuals who are required to submit a declaration of assets and liabilities indicating the amounts of repayment, including remuneration.

The information specified in this paragraph shall be requested by the authorized state body in charge of ensuring the receipt of taxes and other obligatory payments to the budget, as of January 1 of the year during which individuals, determined by the tax legislation of the Republic of Kazakhstan, had obligation to submit a declaration of assets and liabilities.

The request of the authorized state body in charge of ensuring the receipt of taxes and other obligatory payments to the budget, provided for in part one of this paragraph, must be accompanied by a list of individuals who have an obligation to submit a declaration of assets and liabilities.

6-3. Information about the loans granted to the inspected individual, including the indication of repayment amounts, including remuneration, shall be provided in accordance with the tax legislation of the Republic of Kazakhstan by banks and organizations engaged in certain types of banking operations, at the request of state revenue authorities.

State revenue authorities shall use the information specified in this paragraph for the purposes of tax administration on issues related to the taxation of the audited entity.

6-4. Bank secrecy in terms of providing information on the repayment by an individual of interest on mortgage housing loans received for the purchase of housing in the Republic of Kazakhstan may be disclosed on the basis of a request from state revenue authorities. The requirement of the state revenue authorities shall be drawn up if the individual (account holder) consents to the submission by banks or organizations engaged in certain types of banking operations, information on the repayment of interest on mortgage housing loans specified in the declaration of income and property.

6-5. The information on availability (opening), numbers of bank accounts and balances of money on these accounts, as well as availability, type and cost of other property, including placed on metal accounts or under management, shall be submitted by the banks and organizations carrying out certain types of banking operations, to the authorized state body, carrying out management in the field of ensuring receipts of taxes and other obligatory payments to the budget, in accordance with the tax legislation of the Republic of Kazakhstan in relation to:

1) individuals non-residents and legal entities non-residents, as well as legal entities whose beneficial owners are non-residents;

2) individuals and legal entities specified in the request of the authorized body of a foreign state sent in accordance with the international treaty of the Republic of Kazakhstan.

The procedure, terms and form for submitting the information specified in this paragraph shall be established by the authorized state body in charge of ensuring tax receipts and other obligatory payments to the budget, in agreement with the authorized body and the National Bank of the Republic of Kazakhstan.

7. The information about the presence and numbers of bank accounts of an individual, the balance and flow of money in these accounts, as well as available information about the nature and value of his property, kept in safe boxes, strong rooms and bank’s premises shall be issued to:

a) the representatives of an individual entity: on the basis of a notarized power of attorney;

b) bodies of inquiry and preliminary investigation: on criminal cases under their production in cases when money and other property of an individual held on the accounts or kept in the bank, can be seized, levied or applied confiscation of property on the basis of a written request, signed by the first head or an investigator, certified by the seal of the body of inquiry or preliminary investigation or request in an electronic form, certified by the electronic digital signature of the first head or an investigator, imposed Prosecutor’s sanction, including in electronic form;

c) the courts: for the cases that are under their proceedings on the basis of a decision, resolution, court verdict in the cases when the money and other property of an individual which is in the accounts or kept in the bank may be seized, charged or confiscated

d) the Prosecutor: on the basis of the resolution on production of the audit submitted on paper or in the form of the electronic document, within its competence on the material which is under his/her consideration;

d-1) national security bodies and state security Service of the Republic of Kazakhstan with the sanction of the Prosecutor for the purpose of prevention, opening and suppression of intelligence and (or) subversive actions;

g) state bailiffs: on the cases of enforcement proceeding under their production, on the basis of the order of the state bailiff, certified by the seal of the justice body and sanctioned by the Prosecutor, only in part of information on availability and numbers of bank accounts of individual-debtor about the availability of money on these accounts within the amount levied, and in case of insufficiency of money – as well as about the movement of money on these accounts since the commencement of enforcement proceedings and availability of safe deposit boxes;

h) private bailiffs: on the cases of enforcement proceeding under their production, on the basis of the order of the state bailiff, certified by the seal of the justice body and sanctioned by the Prosecutor, only in part of information on availability and numbers of bank accounts of individual-debtor about the availability of money on these accounts within the amount levied, and in case of insufficiency of money – as well as about the movement of money on these accounts since the commencement of enforcement proceedings and availability of safe deposit boxes;

i) to the financial manager based on a request for information on the presence and numbers of bank accounts of an individual against whom a case has been initiated regarding the application of a procedure for restoring solvency or a judicial bankruptcy procedure, the balances of money in these accounts, as well as the movement of money in such accounts for a period of within three years before the initiation of a case on the application of a procedure for restoring solvency or a judicial bankruptcy procedure with the sanction of the prosecutor. To confirm authority, the request shall be accompanied by a court ruling to initiate a case on the application of the procedure;

j) to the authorized body in the field of public administration for the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan based on a request for submission in relation to a citizen who filed an application for the application of the procedures provided for by the Law of the Republic of Kazakhstan “On the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan”, information on the availability and bank account numbers, cash balances in these accounts, as well as the movement of money in such accounts for a period of three years before submitting such a request.

7-1. Information on the availability and numbers of bank accounts, balances and movement of money on the client's bank accounts, provided for in paragraphs 6 and 7 of this article, shall be submitted on paper or in electronic form within three business days from the date of receipt of the request from the authorized body, the National Bank of the Republic of Kazakhstan.

The certificate may be submitted in the form of an electronic document upon receipt of the decision of the bailiff authorized by the Prosecutor in electronic form by means of the state automated information system of enforcement proceedings.

Information on the availability and numbers of bank accounts, balances and movement of money on the client's bank accounts, submitted on paper, are sent in the form of an extract on the movement of money on the client's bank accounts and contain information determined by the regulatory legal act of the National Bank of the Republic of Kazakhstan.

Certificates on availability and numbers of bank accounts, balances and movement of money on bank accounts of the client shall be issued to the persons specified in subparagraphs a), b), c), d), d-1) and d-2) of paragraph 6, as well as subparagraphs b), c), d), g) and h) of paragraph 7 of this Article, on the basis of a request on paper or in electronic form.

7-2. Banking secrecy may be disclosed to the banking ombudsman on the applications of borrowers-individuals under consideration for the settlement of disputes arising from bank loan contracts.

8. Certificates on the presence and numbers of bank accounts of an individual and on the balance of money on them, as well as available information on the availability, nature and value of his property stored in safe boxes, cabinets and bank premises, in case of death of the owner, are issued:

1) persons indicated by the owner of the account (property) in the testamentary disposition;

2) courts and notaries on inheritance cases being handled by them on the basis of a ruling, a court order or a notary's request;

3) foreign consular offices: on inheritance cases in their proceedings;

4) heirs.

8-1. Certificates about availability and numbers of bank accounts of an individual, including those carrying out entrepreneurial activity without forming a legal entity, private notary, private bailiff, lawyer, professional mediator about the balance and movement of money on these accounts, opened to the subjects of legalization to legalization of money in accordance with the Law of the Republic of Kazakhstan "On Amnesty of Citizens of the Republic of Kazakhstan, Repatriates and Persons Having a Residence Permit in the Republic of Kazakhstan in Connection with Legalization of Property", shall be submitted to the bodies of inquiry and preliminary investigation, state revenue bodies with the sanction of the General Prosecutor or his/her deputies.

9. Is excluded by the Law of the Republic of Kazakhstan dated 29.06.1998 No 236.

10. The authorized body provides information containing banking secrecy to the organizations specified in paragraph 4 of Article 15 of the Law of the Republic of Kazakhstan "On State Regulation, Control and Supervision of the Financial Market and Financial Organizations", on the conditions provided for by this article.

The National Bank of the Republic of Kazakhstan provides information containing banking secrets to the organizations specified in subparagraph 38-2) of article 8 of the Law of the Republic of Kazakhstan "On the National Bank of the Republic of Kazakhstan", on the conditions provided for by this article.

The authorized body , the National Bank of the Republic of Kazakhstan, shall provide information received in accordance with international treaties of the Republic of Kazakhstan, treaties providing for the exchange of confidential information to other state bodies of the Republic of Kazakhstan only with the consent of the party that provided such information to it.

11. Requests, resolutions of the state bodies or officials listed in points 6 and 7 of this Article, except for the requests of state revenue bodies, on paper shall be subject to certification by the seal of the state body or the official.

When submitting the copies of requests, resolutions of state bodies or officials in copies of the specified documents the mark "True copy" shall be put down. The mark "True copy" is specified without quotes, certified by the signature of the authorized person empowered to certify the copies of documents, indicating his/her position, surname and initials, the date of certification and the seal of a state body or an official.

12. Seizure and (or) reclamation of documents that contain information constituting a bank secrecy, or their copies shall be made on the basis of resolutions on seizure, sanctioned by the court in accordance with the norms of the Criminal procedure code of the Republic of Kazakhstan, or on the basis of a court ruling in the manner determined by the Civil procedure code of the Republic of Kazakhstan.

13. The requirements of this Article shall also be applied to the organizations carrying out certain types of banking operations.

Footnote. Article 50 as amended by the Laws of the Republic of Kazakhstan dated 27.09.1996 No 37; dated 11.07.1997 No 154; dated 29.06.1998 No 236; dated 29.03.2000 No 42; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 06.07.2004 No 572; dated 13.12.2004 No 11 (shall be enforced from 01.01.2005 ); dated08.07.2005 No 69; dated 23.12.2005 No 107 (the order of enforcement see Art. 2 of the Law No 107); dated 22.06.2006 No 147; dated 19.02.2007 No 230 (the order of enforcement See Art. 2); dated 23.10.2008 No 72 -IV (the order of enforcement See Art. 2); dated 10.12.2008 No 101 -IV (shall be enforced from 01.01.2009); dated 13.02.2009 No 135 -IV (the order of enforcement see Art. 3); dated11.07.2009 No 185 -IV (shall be enforced from 30.08.2009); dated 28.08.2009 No 192 -IV (shall be enforced from 08.03.2010); dated 30.12.2009 No 234 -IV; dated 02.04.2010 No 262 -IV (shall be enforced from 21.10.2010); dated 10.02.2011 No. 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.07.2011 No 467 -IV (shall be enforced from 01.07.2011); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.06.2012 No 19 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 26.12.2012 No 61 -V (shall be enforced from 01.01.2013); dated 07.03.2014 No 177 -V (shall be enforced upon expiry of ten calendar days after its first official publication); of 10.06.2014 № 206-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2014 No. 225-IV (the order of enforcement see article 2); dated 29.09.2014 No. 239-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 07.11.2014 No. 248-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 28.11.2014 No. 257 (the order of enforcement see PP. 12). V. 10); as of 29.12.2014 No. 269-V (shall be enforced from 01.01.2015); from 27.04.2015 No. 311-V (the order of introduction in action see Art. 2); from 02.08.2015 No. 343-V (comes into effect after ten calendar days after the date of its first official publication); from 29.10.2015 № 376-V (effective from 01.01.2016); from 31.10.2015 № 378-V (effective after ten calendar days after the day of its first official publication); from 13.11.2015 № 400-V (effective after ten calendar days after the day of its first official publication); from 24.11.2015 № 419-V (effective from 01.01.2016); from 24.11.2015 № 422-V (effective from 01.01.2016); from 26.07.2016 № 12-VI (effective thirty calendar days after the date of its first official publication); from 30.11.2016 No. 26-VI (effective from 01.01.2017); from 28.12.2016 No. 36-VI (effective two months after the date of its first official publication); from 06.05.2017 No. 63-VI (effective twenty-one calendar days after the date of its first official publication); from 25.12.2017 No. 122-VI (effective from 01.01.2018); from 26.12.2017 No. 124-VI (effective from 01.01.2018); from 28.12.2017 No. 128-VI (effective upon expiry of ten calendar days after the date of its first official publication); from 24.05.2018 No. 156-VI (effective upon expiry of ten calendar days after the date of its first official publication); from 02.07.2018 No. 168-VI (procedure for 21.01.2019 No. 217-VI (effective three months after its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 18.11.2015 No. 412-V (shall come into force from 01.01.2021); dated 25.06.2020 No. 347-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 03.07.2020 No. 359-VI (shall come into force from 01.01.2021); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 31.12.2021 No. 100 (see Article 2 for the entry into force); dated 04.07.2022 No. 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 14.07.2022 No. 141-VII (shall be enforced upon expiry of ten calendar days after its first official publication); dated 30.12.2022 No. 179-VII (shall be enforced upon expiry of sixty calendar days after the day of its first official publication); dated 12.07.2023 No. 23-VIII (for the procedure of enforcement see Art. 2).

Article 51. Seizure and foreclosure on the money and property, kept in the bank

1. Money and other property of an individual or a legal entity on bank accounts may be seized by the courts on the basis of judicial acts and by bailiffs on the basis of bailiffs' resolutions, sanctioned by the Prosecutor. Money and other property of an individual or legal entity held on bank accounts may be subject to temporary restrictions on the disposal of property, restrictions on transactions and other operations with property on the grounds and in the manner prescribed by the criminal procedure legislation of the Republic of Kazakhstan.

Establishment of temporary restrictions on the disposal of property, restrictions on transactions and other operations with property, seizure shall not be allowed:

1) for money held in bank accounts and (or) electronic money held in electronic money wallets intended for crediting benefits and social payments paid from the state budget and (or) the State Social Insurance Fund;

2) for money held in bank accounts intended for crediting housing payments, lump-sum pension payments from the unified accumulative pension fund to improve housing conditions and (or) pay for treatment, target assets, payments of targeted savings from the unified accumulative pension fund to improve housing conditions and (or) pay for education;

2-1) for money held in bank accounts in housing construction savings banks in the form of housing construction savings, accumulated through the use of housing payments, in the form of payments of targeted savings from the unified accumulative pension fund to improve housing conditions and (or) pay for education, on money held in bank accounts in second-tier banks in the form of savings for the overhaul of the common property of the condominium object, except for penalties based on court decisions in cases of failure to fulfill obligations under contracts concluded to carry out an overhaul of the common property of the condominium object;

2-2) on money held in bank accounts with a housing construction savings bank, intended for crediting payments and subsidies in order to pay for rented housing in a private housing stock;

3) on the money deposited on the terms of the notary deposit;

4) on the money held on bank accounts under the contract on educational accumulative contribution concluded in accordance with the Law of the Republic of Kazakhstan "On State educational accumulative system";

5) on the assets of the social health insurance fund and target contribution funds allocated for the guaranteed volume of free medical care located in bank accounts;

5-1) on the money held in bank accounts intended for accounting for money of clients of the investment portfolio manager, for unfulfilled obligations of this investment portfolio manager;

5-2) on the money held in bank accounts intended for accounting for the money of clients of a person acting as a nominal holder, for unfulfilled obligations of this person acting as a nominal holder;

5-3) on the money held in bank accounts for clearing activities on transactions with financial instruments;

6) on the money of banks, insurance (reinsurance) organizations, voluntary accumulative pension funds deprived by authorized body of the license and (or) being in the process of compulsory liquidation;

6-1) for money of branches of non-resident banks of the Republic of Kazakhstan, branches of insurance (reinsurance) organizations-non-residents of the Republic of Kazakhstan, revoked a license by the authorized state body and in the process of forced termination of activities;

7) on the money held on bank accounts intended for crediting compensation of investment costs, in accordance with the legislation of the Republic of Kazakhstan in the field of public-private partnership and on concessions;

8) for money held on the current account of a private enforcement agent intended for the storage of recovered amounts in favor of claimants.

9) for the money held on the bank account of a single operator in the field of public procurement, intended to be deposited by potential suppliers or suppliers of money as security measures in the framework of participation in public procurement in accordance with the Law of the Republic of Kazakhstan “On Public Procurement”;

10) on money on the bank accounts of a citizen in respect of which a case has been initiated on the application of a procedure or a procedure has been applied in accordance with the Law of the Republic of Kazakhstan “On the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan”;

11) on money on the current account of the financial manager for crediting money in the judicial bankruptcy procedure in accordance with the Law of the Republic of Kazakhstan "On the restoration of solvency and bankruptcy of citizens of the Republic of Kazakhstan".

The provision of subparagraph 7) of part two of this paragraph shall not apply to restrictions imposed by state revenue bodies, as well as the courts on the basis of judicial acts and the bailiffs on the basis of the bailiffs’ resolutions, sanctioned by the Prosecutor, for which there are requirements relating to the first, second and third stages in accordance with the priority provided by paragraph 2 of Article 742 of the Civil code of the Republic of Kazakhstan.

The provision of subparagraph 8) of the second part of this paragraph shall not apply to restrictions imposed by the authorized body in the field of enforcement of enforcement documents, its territorial bodies, on the suspension of debit transactions on a current account intended for storing recovered amounts in favor of collectors, a private enforcement agent, action whose license has been suspended or terminated or whose license has been revoked.

In the case of seizure in support of claims, the amount of money on which the arrest is imposed shall not exceed the amount of the claim and the amount of the state fee and costs associated with execution of decisions, sentences, rulings and resolutions of the court. In the case of seizure by a bailiff to ensure execution of a writ of execution, the amount of money and value of the property on which the arrest is imposed shall not exceed the amount required to repay the awarded amount to the claimant, as well as fines imposed on the debtor in the process of execution of the writ of execution, the amounts of payment for activity of a private bailiff and execution costs.

In this case, the resolutions of bailiffs, sanctioned by the Prosecutor may be sent on paper or in electronic form through the state automated information system of enforcement proceedings.

To seize the money of individuals and legal entities, the courts, bodies of inquiry and preliminary investigation, bailiffs shall send documents in accordance with the requirements of the legislation of the Republic of Kazakhstan to the banks or organizations carrying out certain types of banking operations.

All expense operations on bank (except for correspondent) accounts of legal entities, its structural subdivisions, non-resident, carrying out activity in Kazakhstan through a permanent institution, an individual, registered as individual entrepreneur, private notary, private bailiff, lawyer and professional mediator, in the cases, established by the laws of the Republic of Kazakhstan may be suspended upon the orders of the state revenue bodies, and collection may be levied only on the grounds, provided by the laws of the Republic of Kazakhstan. Debit transactions on a current account intended for storing recovered amounts in favor of collectors, a private enforcement agent whose license has been suspended or terminated or whose license has been revoked may be suspended on the basis of an order of the authorized body in the field of enforcement of enforcement documents, its territorial bodies.

Operations on bank accounts of individuals and legal entities shall be suspended in cases and in the manner prescribed by the Law of the Republic of Kazakhstan "On Counteraction of Legitimization (Laundering) of Incomes Received by Illegal Means and Financing of Terrorism".

At the same time, the orders of the state revenue bodies, the authorized body in the field of enforcement of executive documents, its territorial bodies may be sent to banks or organizations engaged in certain types of banking operations, on paper or in electronic form by means of transmission over a telecommunications network or the state automated information system of the executive production.

The order sent on paper must be signed by the first head and certified by the seal of the state revenue bodies or by the head of the structural unit of the authorized body in the field of enforcement of executive documents, its territorial bodies and certified by the seal.

The order of the state revenue bodies or the authorized body in the field of enforcement of executive documents, its territorial bodies, sent in electronic form, shall be formed in accordance with the formats established by the authorized state bodies in agreement with the National Bank of the Republic of Kazakhstan.

1-1. Banks shall refuse to execute acts on temporary restriction on the disposal of property held in the bank, in case of absence of the consent of the Prosecutor in accordance with the requirements of the criminal procedure legislation of the Republic of Kazakhstan.

Banks shall refuse to execute acts of seizure in case of absence of the amount to be seized and (or) absence of approvals or sanctions provided by the criminal procedure legislation of the Republic of Kazakhstan and the legislation of the Republic of Kazakhstan on enforcement proceedings and the status of bailiffs.

2. Confiscation of money and other property of an individual and legal entity located in a bank, except for pension assets, assets of the social health insurance fund, and targeted contribution funds allocated for the guaranteed volume of free medical care, can be carried out only based on a judicial ruling that has entered into legal force decisions (sentence).

Footnote. Article 51 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 29.03.2000 No 42; dated 09.08.2002 No 346; dated 22.06.2006 No 147; dated 10.12.2008 No 101 -IV (shall be enforced from 01.01.2009); dated 28.08.2009 No 192 -IV (shall be enforced from 08.03.2010); dated 02.04.2010 No 262 -IV (shall be enforced from 21.10.2010); dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.07.2011 No 467 -IV (shall be enforced from 01.01.2012); dated 21.06.2012 No 19 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.06.2013 No 106 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 15.01.2014 No 164 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 10.06.2014 № 206-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 28.11.2014 № 257 ( the procedure for enforcement see subparagraph . 12) of Article 10); dated 29.10.2015 № 376-V (shall be enforced from 01.01.2016); dated 12.11.2015 № 393-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 16.11.2015 № 406-V (shall be enforced from 01.07.2017); dated 24.11.2015 № 419-V (shall be enforced from 01.01.2016); dated 26.07.2016 No. 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 30.06.2017 No. 80-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 12.12.2017 No. 114-VI (shall be enforced from 01.01.2018); dated 04.07.2018 No. 171-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.01.2019 No. 217-VI (shall be enforced upon expiry of three months from the dated of its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated December 26, 2019 No. 284-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 26.06.2020 No. 349-VI(shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 No. 399-VI (for the procedure of enactment see ст.2); dated 15.11.2021 No. 72-VII (shall come into force from 01.01.2022); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 No. 177-VII (shall be enforced ten calendar days after the date of its first official publication); dated 30.12.2022 No. 179-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 19.04.2023 No. 223-VII (shall be enforced from 01.01.2024); dated 16.11.2023 No. 40-VIII (shall be enforced from 01.01.2024).

Article 52. Mandatory deposit insurance

Footnote. Article 52 is excluded by the Law of the Republic of Kazakhstan dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Chapter 4-1. Particularities of establishment and operation of the Islamic banks

Footnote. The Law is supplemented by Chapter 4-1 in accordance with the Law of the Republic of Kazakhstan dated 12.02.2009 No 133 -IV (the order of enforcement See Art. 2).

Article 52-1. Requirements to the activity of an Islamic bank

An Islamic bank shall not be entitled to charge fees in the forms of percent, to guarantee the return of the investment deposit or income thereon, to finance (lend) the activities, related to the production and (or) trade of tobacco, alcoholic products, weapons and ammunition, gambling, as well as other types of business activities, the financing (lending) of which is prohibited by the council for the principles of the Islamic financing.

The council for Islamic financing shall be entitled to define other requirements to the activities of an Islamic bank, obligatory for fulfillment by the Islamic bank.

Article 52-2. Activity of the council for Islamic financing

1. In order to define compliance of the activities and transactions of the Islamic bank with the requirements, specified in Article 52-1 of this Law, the council shall be obligatorily established in the Islamic bank under the principles of Islamic financing.

2. The council for the Islamic financing shall be an independent body, appointed by the general meeting of the shareholders of the Islamic Bank on the recommendation of the board of directors.

3. The rules of the general terms of transactions of an Islamic bank, the Rules of internal credit policy of the Islamic bank shall have to be approved by the board of directors of the Islamic bank under a positive resolution of the council for Islamic financing.

4. Unless otherwise provided by this Law, the charter or internal rules of the Islamic bank, the decisions of the credit committee of the Islamic bank, taken in accordance with the Rules of the internal credit policy of the Islamic bank, and the transactions, performed in accordance with the Rules of the general terms of transactions of the Islamic bank, shall not require the separate approval of the council of Islamic financing. At that, the council for Islamic financing shall have the right to check any transaction in its discretion for its compliance with the requirements, specified in Article 52-1 of this Law.

Article 52-3. Consequences of recognizing the transactions and operations of an Islamic bank non-complying with the requirements to the activities of the Islamic bank

1. In case if the council for Islamic financing recognizes the transactions, that are under conclusion, not complying with the requirements, specified in Article 52-1 of this Law, such transaction may not be concluded and executed.

2. In case if the council for Islamic financing recognizes the transaction that was concluded but not executed or partially executed not complying with the requirements, specified in Article 52-1 of this Law, such transaction shall be prematurely terminated at the request of an Islamic bank in the order, established by the civil legislation of the Republic of Kazakhstan.

3. In case if the council for Islamic financing recognizes the transaction that is executed or partially executed not complying with the requirements, specified in Article 52-1 of this Law, the income of an Islamic bank on such a transaction shall be spent on charity.

Article 52-4. Additional requirements for the charter of an Islamic bank

In addition to the information, specified in Article 14 of this Law, the charter of an Islamic bank shall contain the following information:

1) the goals of an Islamic bank;

2) the objectives, functions and powers of a regular body of an Islamic bank - council for Islamic financing, as well as the order of its establishment and requirements to the members of the council for Islamic financing.

52-5. Banking and other operations of an Islamic bank

1. The banking operations of an Islamic bank shall be as follows:

1) acceptance of non-interest withdrawable on demand deposits of individual and legal entities, opening and maintaining of the bank accounts of individual and legal entities;

2) acceptance of investment deposits of individual and legal entities;

3) bank borrowing transactions: allocation of cash loans by an Islamic bank under the terms of maturity, repayment and without charging a fee;

4) financing of individuals and legal entities as a trade intermediary by providing commercial credit:

without conditions on the subsequent sale of goods to a third party;

on the conditions of the subsequent sale of goods to a third party;

4-1) financing of production and trade activities through participation in the authorized capital of legal entities and (or) on the conditions of partnership;

5) investment activities under leasing agreements (renting);

6) the agency activity in the banking operations of an Islamic bank.

2. Banking operations provided by subparagraphs 4), 4-1) and 5) of paragraph 1 of this Article shall be carried out by the Islamic bank at the expense of its own money and (or) money attracted for investment deposits. In this case the Islamic bank and (or) clients on the investment deposit shall acquire the right of common ownership to the property acquired at the expense of their money and the Islamic bank shall act as a participant in common share ownership and (or) trust manager, carrying out management of property, related to common share ownership. Islamic bank as a trust manager shall have the right to ensure state registration of rights to real estate, registration of vehicles and other movable property in accordance with the requirements of legislative acts of the Republic of Kazakhstan. The Islamic bank shall keep records of the participants of the common share ownership to the acquired property.

3. The Islamic bank shall be entitled, if it is provided for by the charter, to perform certain types of banking and other transactions, specified in of Article 30 of this Law, in compliance with the requirements, specified in Article 52-1 of this Law, except for the following transactions:

1) factoring transactions: acquisition of rights to demand payment from the buyer of goods (works, services) with the assumption of the non-payment risk;

2) forfeiting transactions (forfeiting): payment of the debt obligations of the buyer of the goods (works, services) through the purchase of the bill without a recourse to the seller.

The council for Islamic financing shall be entitled to recognize certain banking and other transactions, specified in Article 30 of this Law, as not complying with the requirements, specified in Article 52-1 of this Law.

4. A branch of the non-resident Islamic bank of the Republic of Kazakhstan in the presence of a license of the authorized body shall have the right to carry out in the territory of the Republic of Kazakhstan:

1) banking operations, provided for by subparagraphs 1), 2), 3), 4), 5) and 6) of paragraph 1 of this Article;

2) if it is provided for by the regulation on the branch, certain types of banking and other operations, professional activities in the securities market, provided for in paragraph 2-1 of Article 30 of this Law (except for operations, indicated in subparagraphs 6) and 7) of paragraph 11 of Article 30 of this Law), in compliance with the requirements specified in Article 52-1 of this Law.

Footnote. Article 52-5 as amended by the Law of the Republic of Kazakhstan dated 25.03.2011 No 421 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 52-6. Deposits of an Islamic bank

1. Under the contract of the interest-free withdrawable on demand deposit, the Islamic bank shall agree to accept the client's money into a bank withdrawable on demand deposit, without payment or guarantee of payment of remuneration in the form of interest, and to return the deposit or part of it at the request of the client. The rules of the contract on bank deposit shall be applied to the contract of the interest-free deposit of the Islamic bank, except for the conditions on payment of interest on it.

2. Under the contract on investment deposit, the Islamic bank shall agree to accept the client’s money for a certain period without a guarantee of the money return in nominal terms, to pay the income on the money, depending on the results of the use of the money, transferred in the order, defined by the investment deposit agreement. The rules of the contract on trust management of the property with the specifications, provided for in this Article on the order of use and repayment of money, rights and obligations of the client and the Islamic Bank, the order of defining and accrual of remuneration of the trustee - Islamic bank shall be applied to the investment deposit agreement of the Islamic bank.

When concluding an investment deposit agreement, a current bank account may be opened.

3. Terms and conditions of the investment deposit agreement shall define the remuneration of the trustee - Islamic Bank for the management of the client’s money - trustor, the terms and the order of the money return, the risks of loss from the money use and other conditions.

4. The remuneration of the Islamic bank shall be determined as a part of the income received from the use of money attracted to the investment deposit, provided that the remuneration can be paid only at the expense of income from the use of money on the investment deposit. The Islamic bank shall lose the right to remuneration if the investment deposit is unprofitable (if there is no income as a result of using the money attracted on the investment deposit).

4-1. The conditions of the investment deposit contract may not provide for a guaranteed amount of income on the investment deposit and (or) remuneration of the Islamic bank, except for the case providing for the placement of the attracted money by the Islamic bank in assets on which a yield can be obtained at the level determined in the investment deposit contract.

5. A client shall lose the right to receive income for the early repayment of the investment deposit, upon his request, unless otherwise provided by the investment deposit agreement.

6. Investment deposit agreement may include conditions to allow the client to define the ways how to use the money, the list of assets or facilities for investing money or conditions for the use of client’s money separately from the money of other clients without the right of association.

7. The Islamic bank shall be obliged to keep records of the use of money on individual investment deposits to define the order and the results of the use of money, including determination of the ways of the money use, the list of assets or facilities for investing money, the amount of revenue or loss of such use, the amount of remuneration of the Islamic bank.

8. At the request of the client, the Islamic bank shall submit a report on the use of money on the investment deposit.

9. Unless otherwise provided by the agreement, the client, that transferred money to the investment deposit, shall not be liable for the obligations of the Islamic bank, arising in connection with the placement of money, but shall cover the risk of losses, associated with the decrease of the assets value in which the money was invested, within the amount of money, placed on the investment deposit.

10. The Islamic bank shall not be liable for the losses, resulting from the decrease in the value of the assets in which the money of the investment deposit was invested, except for the cases where such losses were incurred by its fault.

If the losses, associated with the decrease in the value of assets in which the money of the investment deposit was invested, arose due to the fault of the Islamic bank, the Islamic Bank shall be obliged to inform the client about the origin of such losses.

Footnote. Article 52-6 as amended by the Law of the Republic of Kazakhstan dated 27.04.2015 № 311-V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 52-7. Particularities of issuance of securities by an Islamic bank

The Islamic bank shall be entitled to issue shares or other securities, except for the preferred shares, bonds or other debt securities, providing a debt, a guaranteed remuneration or remuneration in the form of a percent from the cost.

Article 52-8. Financing of individuals and legal entities as a trade intermediary by providing commercial credit without conditions for the subsequent sale of goods to a third party

Footnote. The title of Article 52-8 as amended by the Law of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days of its first official publication).

1. Islamic banks shall have the right to finance individuals and legal entities as a trade intermediary by providing a commercial credit to the buyer or seller of goods on the basis a contract on commercial credit of the Islamic bank (hereinafter- the commercial credit contract).

2. Is excluded by the Law of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication)..

Acceptance of the Islamic bank shall be given after the acquisition of the property right to the goods by the bank. Upon receipt of the Islamic bank’s acceptance by the buyer during the validity of the offer, execution of the commercial credit agreement shall be mandatory for the buyer. In case if the buyer fails to perform the commercial credit agreement, the buyer shall reimburse the real damage, caused to the Islamic bank by such failure, and the Islamic bank shall sell the goods to the third person or return it to the seller.

3. The rules of the agreement of sale and purchase of goods on credit (deferral of payments or payment by installments) with the particularities, specified in this Article and the requirements, specified in Article 52-1 of this Law, shall be applied to the commercial credit agreement.

4. The commercial credit agreement shall contain the conditions about the name and quantity of the goods, the price at which the buyer purchases the goods from the Islamic bank, indicating the amount of the markup on the goods, and the terms of the commercial credit (deferral of payments or payment by installments).

5. Unless otherwise provided by the commercial credit agreement, the price of the sale of goods to the buyer by the Islamic Bank shall be composed of the sum of the purchase price of the goods from the seller and the mark-up on goods. The markup may be set as a fixed amount or a percentage of the purchase price of the goods from the seller.

6. When purchasing goods, the Islamic bank shall be obliged to specify in the contract of sale with the seller that the goods are purchased for the conclusion of a commercial credit contract.

7. Acquisition of the goods shall not be allowed from the seller, acting as the buyer at the same time under the commercial credit agreement. The sale or purchase agreement of an Islamic bank with the seller of goods may include the conditions regarding the advance purchase of goods, the possibility of returning the goods, purchased in a specified period of time and refund of the purchase price of the goods.

8. The commercial credit agreement may provide the conditions for fulfillment of the buyer's obligations to pay for goods through pledge of money or property.

9. If the subject of a commercial credit agreement is the purchase of goods to be manufactured (processed products, new movable thing, a newly established real estate), the products, received from the use of the property, or the performance of the service (in the form of separable fruits when using property, the produced agricultural, livestock or other similar products), the conclusion of the council for Islamic financing shall be required confirming compliance of the agreement with the requirements, established in Article 52-1 of this Law.

10. The commercial credit agreement, concluded between the Islamic bank and the seller, that is the manufacturer (producer) of the goods, specified in paragraph 9 of this Article, the immediate partial or full pre-payment of the purchased goods (commercial credit in the form of an advance payment) may be provided under the condition of the goods supply within the timeframes, defined by the parties' agreement (delay of delivery). When providing a commercial credit to the producer (manufacturer) of goods, the sale and purchase agreement of the Islamic bank with a direct buyer of goods may include conditions for the immediate partial or full pre- payment of the goods under the condition of delivery of the goods within the period, determined by the agreement of the parties (delay of delivery).

11. In case of concluding the commercial credit agreement, provided for in paragraph 9 of this Article, the rules for the order, supply, contracting, paid services or other rules for the obligations, specified by the civil legislation of the Republic Kazakhstan shall be applied to the relationship between the bank and the producer (manufacturer) of goods.

Footnote. Article 52-8 as amended by the Law of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 52-9. Funding of production and trading activities through the ownership interest in the authorized capitals of legal entities and (or) under the partnership conditions

1. An Islamic Bank shall be entitled to fund the manufacturing and trading activities on the basis of the partnership agreement in order to obtain income or achieve another purpose not contradicting the legislation of the Republic of Kazakhstan. The partnership agreement may provide for the condition on establishment of a legal entity (partnership agreement with establishment of a legal entity).

2. The partnership agreement may be signed after receiving of an approval from the council for Islamic financing. Violation of the requirements, established in Article 52-1 of this Law, shall be the ground for early termination of the partnership agreement, and (or) liquidation of a legal entity, established under the partnership agreement or for the alienation of the shares of an Islamic bank, including the stocks and ownership interests in the authorized capitals of the legal entities, and spending of the revenues to the charities.

3. The rules of the joint activity agreement with the specifications, provided in this Article shall be applied to the partnership agreement without the condition of establishing a legal entity (a co-partnership agreement with the Islamic Bank).

4. A co-partnership agreement with the Islamic bank shall contain the purpose of the joint activity, the validity of the contract or the conditions under which the contract is terminated, the order and frequency of distributions of income, coming from joint activity, the party’s liability for breach of contract, information about the list, types and value of the property, contributed by each participant to perform the joint activities. Unless otherwise provided by the contract, the size of the share of each of the participants in the common property shall be proportional to the value of the property, contributed to the joint activities. Agreement may stipulate conditions on the use of the income, received from the joint activity, for charities.

5. The income, coming from the joint activities, the general expenses and losses of the participants of the co- partnership agreement with the Islamic bank shall be distributed proportionally to the share in the common property, unless otherwise provided by the agreement. The income of the co-partnership with participation of the Islamic Bank shall be distributed by the actual results excluding the expected income. The income of a participant of the co-partnership may not be set as a fixed amount of money.

6. In case of insufficiency of the common property of the co-partnership, the participants shall be liable for the obligations associated with the partnership agreement, in proportion to the shares in the common property.

7. The rules of the foundation agreement of a legal entity of a relevant organizational and legal form shall be applied to the partnership agreement with establishment of a legal entity, unless otherwise provided by the agreement.

8. In addition to the information, provided by the legislation of the Republic of Kazakhstan to the foundation agreement of a legal entity of a certain organizational and legal form, a partnership agreement with the establishment of a legal entity shall contain the information about the purposes and terms of partnership, the condition on the distribution of income of the legal entity in proportion to the invested share of each participant.

9. The rules of the partnership agreement with the establishment of a legal entity shall also apply to the cases of partnership, the terms of which are the acquisition of shares (the ownership interest) of the legal entity, under a special condition that the purpose of the partnership is to finance industrial or commercial activities of this legal entity.

Article 52-10. Investment activities under leasing (rental) agreements

1. Islamic banks shall be entitled to perform investment activities under the property leasing (rental) agreements.

2. The rules on financial leasing or renting of the property with the specifications, provided in this Article shall be applied to the relations of the Islamic bank on investment activities under the agreements of leasing (renting) of property.

3. The terms of the leasing (renting) agreement with an Islamic bank may not provide the right to purchase the rented property. The ownership right to the rented property may go to the lessee (tenant) on the basis of a separate agreement.

4. Unless otherwise provided by the charter or the internal rules of an Islamic bank, the transactions in leasing or renting of property shall be made in accordance with the Rules of the general conditions for transactions of an Islamic bank, approved in accordance with the requirements of paragraph 3 of Article 52-2 of this Law and shall not require a separate approval of the council for Islamic financing.

5. The agreement may specify the condition of ensuring the obligations to pay the lease payments (or rent) as a pledge of property.

Article 52-11. Agent activity when performing the banking transactions of an Islamic bank

1. An Islamic bank, when performing the banking operations of an Islamic bank, shall be entitled to perform the agent activities, in accordance with which the Islamic bank acts as the agent of its client or appoints a third party as its agent.

2. In accordance with the agent agreement the agent on behalf of and under the instruction of a client, or on its own behalf, but under the instruction and at the expense of the client, on the basis of his experience and knowledge, for a fee, shall agree to perform certain legal actions aimed at income generating.

3. The rules on the agency contract or commission with the specifications, provided in this Article shall be applied to the agent agreement of an Islamic bank depending on the conditions.

4. Individual and legal entities, including banks and other financial institutions may be the party of the agency agreement (the client or agent), concluded with the Islamic bank.

5. The terms of the agent agreement shall establish the procedure for determining and paying of the agent’s remuneration. The terms of the agent agreement may not provide for a guaranteed amount of the client’s income.

6. Agent shall reserve the right to receive compensation regardless of the performance of the agent agreement.

7. The risk of loss as a result of the agent’s activity shall be covered by the client of the agent agreement, except for the cases of damages, caused by the agent.

Article 52-12. Islamic financing of individuals and legal entities with the participation of the Islamic bank as a trade intermediary by providing a commercial credit on the conditions of the subsequent sale of goods to a third party

1. The provisions of Article 52-8 of this Law shall apply to Islamic financing of individuals and legal entities as a trade intermediary by providing commercial credit on the conditions of subsequent sale of goods to a third party, taking into account the features provided by this Article.

For the purposes of this Article, an individual or a legal entity, who purchases goods from an Islamic bank and subsequently sells them to a third party shall be referred to as a client of the bank.

2. Islamic financing of individuals and legal entities as a trade intermediary through the provision of commercial credit on the terms of the subsequent sale of goods to a third party shall be recognized a transaction, carried out under a commercial credit contract agreement subject to the following conditions:

1) the parties on the commercial credit contract shall be the Islamic bank and the client of the bank. The commercial credit contract shall specify the third party to whom the subsequent sale of goods by the client of the bank shall be carried out (for the purposes of this Article – the third party);

2) purchase of goods by the client of the bank under the commercial credit contract, as well as subsequent sale of goods by the client of the bank to a third party shall be made with the participation of the Islamic bank;

3) commercial credit shall be provided on the terms of sale by the client of the bank to a third party of the goods, purchased by the client of the bank from the Islamic bank. However, the right of ownership for the goods, sold under the contract on commercial credit shall be transferred to a third party immediately after the conclusion of the contract on commercial credit, payment shall be made by a third party without delay after transfer of goods and documents on this item at the purchase price of such goods by the Islamic bank from the supplier of the goods;

4) goods sold on international commodity exchanges and purchased by the Islamic bank on international commodity exchanges or over-the-counter market outside the Republic of Kazakhstan shall be determined as goods in the commercial loan contract. The Islamic bank and the client of the bank shall not be entitled to sell the same goods simultaneously under several commercial loan contracts;

5) the client of the bank shall carry out the subsequent sale to a third party of the goods specified in the commercial credit contract in the quantity and price, specified in such contract, without taking into account the mark-up of the Islamic bank;

6) a seller of goods, carrying our sale of goods to an Islamic bank may not be a third party to whom the subsequent sale of goods is made;

7) the Islamic bank, the client of the bank and a third party shall not be related parties in accordance with the Code of the Republic of Kazakhstan "On taxes and Other Mandatory Payments to the Budget" (Tax Code).

3. For the purposes of this Article, an international commodity exchange shall be recognized a commodity exchange that meets the following requirements:

the commodity exchange shall carry out activity on the territory of the state having a sovereign rating not lower than the rating A of one of the rating agencies, the list of which shall be established by the authorized body;

information on the volume and number of exchange transactions concluded on the commodity exchange shall be published in statistical reports posted on the Internet resource of the World federation of exchanges.

The list of international commodity exchanges, where the purchase and sale of goods are made within the framework of financing of individuals and legal entities as a trade intermediary by providing commercial credit on the conditions of subsequent sale of goods to a third party, shall be established by the Government of the Republic of Kazakhstan.

4. In case of violation of the requirements established by this Article, such banking operation shall not be recognized as Islamic financing of individuals and legal entities with participation of the Islamic bank as a trade intermediary with registration of a commercial credit contract and with participation of a third party.

Footnote. Chapter 4-1 is supplemented by Article 52-12 in accordance with the Law of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced upon expiry of ten calendar days after its first official publication).

Chapter 4-2. Voluntary reorganization of the bank in the form of conversion into an Islamic bank

Footnote. The Law is supplemented by chapter 4-2 in accordance with the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).

Article 52-13. The concept of voluntary reorganization of the bank in the form of conversion into an Islamic bank

Voluntary reorganization of the bank in the form of conversion into an Islamic bank (hereinafter – conversion of the bank into an Islamic bank) shall be understood as a set of measures aimed at transforming the activity of the bank in order to obtain the status of an Islamic bank and carry out activity in accordance with the requirements specified in Article 52-1 of this Law.

Article 52-14. Permission of the authorized body to convert the bank into an Islamic bank

1. Conversion of the bank into an Islamic bank shall be carried out by the decision of general meeting of shareholders of the bank with the permission of the authorized body.

The procedure for issuing a permit of the authorized body to convert a bank into an Islamic bank and refuse to issue a permit shall be determined by this Law and the regulatory legal act of the authorized body.

2. The following documents shall be attached to the application for permission of the authorized body to convert the bank into an Islamic bank:

1) the decision of general meeting of shareholders of the bank, which adopted a decision on voluntary reorganization of the bank in the form of conversion into an Islamic bank;

2) an action plan for conversion of the bank into an Islamic bank, meeting the requirements of Article 52-15 of this Law;

3) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication);

4) a business plan for the period of conversion of a bank into an Islamic bank and the next three years after obtaining a license to conduct banking and other operations of an Islamic bank, the requirements for the content of which are established by a regulatory legal act of the authorized body, including :

description of the purpose and objectives of the bank and types of banking and other operations of the Islamic bank;

analysis of the bank's activity (analysis of external and internal environment);

development strategy and scope of the bank's activity for the period of conversion of the bank into an Islamic bank and three subsequent financial (operational) years after conversion of the bank into an Islamic bank;

detailed annual financial plan of the bank for the period of conversion of the bank into an Islamic bank and three subsequent financial (operational) years after conversion of the bank into an Islamic bank;

risk management plan (description of risks associated with carrying out of activity of the Islamic bank, and ways of management them for the period of conversion of the bank and three subsequent financial (operational) years after conversion of the bank into an Islamic bank).

3. The application shall be considered by the authorized body within two months from the date of submission by the applicant of the documents specified in paragraph 2 of this Article.

If the bank submits an incomplete package of documents specified in paragraph 2 of this Article, the authorized body shall give a reasoned refusal to further consideration of the application within fifteen calendar days from the date of receipt of the documents.

4. The bank shall have the right to withdraw the application for permission of the authorized body to convert the bank into an Islamic bank before the authorized body decides to issue or refuse to issue a permit to convert the bank into an Islamic bank by submitting a written application in any form.

5. The grounds for refusal to issue a permit to convert a bank into an Islamic bank shall be:

1) non-elimination of the comments of the authorized body on the submitted documents within the term established by it;

2) non-compliance of the action plan for conversion a bank into an Islamic bank with the requirements provided by Article 52-15 of this Law;

3) non-compliance of the business plan with the requirements provided by subparagraph 4) of paragraph 2 of this Article;

4) financial forecast of consequences of conversion of the bank into an Islamic bank involves deterioration of financial condition of the bank as a result of conversion of the bank into an Islamic bank;

5) violation by the bank and (or) banking conglomerate of prudential standards and (or) other mandatory norms and limits and (or) availability of administrative sanction for an administrative offense provided by parts six, eight of Article 213, Article 227 of the code of the Republic of Kazakhstan on administrative offenses, within three consecutive calendar months preceding the date of filing an application for the issuance of permission to convert the bank into an Islamic bank;

6) violation of interests of the depositors of the bank as a result of the alleged conversion of the bank into an Islamic bank.

6. The authorized body shall be obliged to issue a permit to convert the bank into an Islamic bank or to give a reasoned refusal to issue this permit within the period, established by part one of paragraph 3 of this Article.

7. The authorized body revokes the issued permission to convert the bank into an Islamic bank in the following cases:

1) identification of false information on the basis of which the permit was issued;

2) the bank makes a decision on voluntary termination of its activities through reorganization in other forms or liquidation or taking a decision on termination of the bank's activity by the court;

3) non-fulfillment by the bank of requirements or violation of the deadlines for fulfilling the requirements provided by Article 52-17 of this Law;

4) refusal to issue a license to the bank to conduct banking and other operations of the Islamic bank.

The bank shall have the right to voluntarily return the permission to convert the bank into an Islamic bank issued to it before the expiration of the conversion period, specified in the permission of the authorized body to convert the bank into an Islamic bank.

When revoking permission for conversion of the bank into an Islamic bank or a voluntary return by the bank of this permit, the authorized body shall takes the decision to cancel a previously issued permit within two months from the date of discovery of the fact that is the ground for revocation of the permit, or for filing by the bank of the application on voluntary return of the permit.

Footnote. Article 52-14 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication).

Article 52-15. Actions plan for conversion of the bank into an Islamic bank

1. The actions plans for conversion of the bank into an Islamic bank shall be approved by the board of directors of the bank.

2. The actions plan for conversion of the bank into an Islamic bank should contain a detailed description of the following activities, including the terms of their implementation:

1) creation of the council on Islamic finance principles;

2) development of standard conditions of contracts on carrying out banking operations of the Islamic bank, provided by paragraph 1 of Article 52-5 of this Law;

3) determination of the list of banking and other operations:

subject to conversion into banking operations of the Islamic bank provided by paragraph 1 of Article 52-5 of this Law;

not requiring conversion, the implementation of which is permitted to an Islamic bank in accordance with paragraph 3 of Article 52-5 of this Law;

not requiring conversion on the ground of expiration of the contracts before the end of the conversion period, specified in the actions plan for conversion of the bank into an Islamic bank,

not subject to conversion on the ground of non-compliance with the requirements of Article 52-1 of this Law;

4) determination of the potential volume of assets and liabilities of the bank for banking and other operations, specified in subparagraph 3) of this paragraph;

5) publication of the announcement on conversion in periodicals, distributed throughout the Republic of Kazakhstan, in the Kazakh and Russian languages, and placement on the Internet resource of the bank;

6) a written notification of the bank's clients on conversion of the bank into an Islamic bank, indicating the list of banking and other operations provided by subparagraph 3) of this paragraph, the deadline for submitting a written refusal or consent provided by paragraph 4 of Article 52-16 of this Law, and the address at which they are accepted;

7) review and change of corporate management and internal policies and procedures, other internal documents of the bank taking into account new types of activity;

8) determination of executives employees of the bank, responsible for implementation of the actions plan for conversion of the bank into an Islamic bank;

9) carrying out work with clients on contracts for conducting banking and other operations;

10) rework of the software for conducting banking and other operations of the Islamic bank;

11) submission to the authorized body of the report on implementation of actions provided by the actions plan for conversion of the bank into an Islamic bank;

12) appeal to the Corporation for state re-registration of the bank into an Islamic bank;

13) appeal to the authorized body with an application for issuance a license to conduct banking and other operations of the Islamic bank;

14) planned term by the bank for conversion of the bank into an Islamic bank, which shall not exceed the term specified in paragraph 7 of Article 52-16 of this Law;

15) other actions necessary to convert the bank into an Islamic bank.

Footnote. Article 52-15 as amended by the Law of the Republic of Kazakhstan dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019).

Article 52-16. Activity of the bank during its conversion into an Islamic bank

1. During the conversion period, the bank shall be obliged to carry out actions provided by the actions plan for conversion of the bank into an Islamic bank.

2. After obtaining the permission of the authorized body to convert the bank into an Islamic bank, the general meeting of shareholders of the bank, on the recommendation of the board of directors, shall appoint the council on the principles of Islamic financing.

3. The bank within ten working days after obtaining the permission of the authorized body to convert the bank into an Islamic bank shall:

1) publish the announcement on conversion in periodicals, distributed throughout the Republic of Kazakhstan, in the Kazakh and Russian languages, and place on the Internet resource of the Bank;

2) send a written notification to the clients of the bank about the conversion of the bank into an Islamic bank, indicating the list of banking and other operations provided by subparagraph 3) of paragraph 2 of Article 52-15 of this Law, the deadline for submitting a written refusal or consent provided by paragraph 4 of this Article, and the address at which they are accepted.

4. Clients of the bank within thirty calendar days from the date of receipt of the written notification, specified in paragraph 3 of this Article shall be obliged to submit a written refusal or consent to the bank:

1) for the change of conditions of the contract on banking and other operations subject to conversion into banking operations of the Islamic bank provided by paragraph 1 of Article 52-5 of this Law;

2) for the change of conditions of the contract on banking and other operations not requiring conversion, the implementation of which is permitted to an Islamic bank in accordance with paragraph 3 of Article 52-5 of this Law, in part of changing the name of the bank, associated with the conversion of the bank into an Islamic bank;

3) for assignment of the right (claim) or transfer of the debt under the contracts on banking and other operations not requiring conversion on the ground of expiration of the contracts before the end of the conversion period, specified in the permission of the authorized body to convert the bank into an Islamic bank, or not subject to conversion on the ground of non-compliance with the requirements of Article 52-1 of this Law.

Non-provision of the response within the specified period in accordance with subparagraphs 1) and 2) of part one of this paragraph shall be considered as a refusal of the client, in accordance with subparagraph 3) of part one of this paragraph shall be considered as consent of the client.

If the client provides a written refusal under the contracts, specified in subparagraphs 1), 2) and 3) of part one of this paragraph, the validity of these contracts shall be subject to termination before the bank submits to the authorized body the report, specified in paragraph 1 of Article 52-17 of this Law.

Implementation of actions, provided in subparagraphs 1) and 2) of part one of this paragraph shall be carried out by concluding an additional agreement to the contract containing the conditions of conducting banking operations of the Islamic bank or providing for changes in the name of the bank, associated with conversion of the bank into an Islamic bank, subject to its entry into force after the bank receives a license to conduct banking and other operations of the Islamic bank.

If there are unfulfilled requirements to the bank accounts of the clients of the bank (including the orders of authorized state bodies having the right to suspend expenditure operations on the bank account, as well as decisions (resolutions) of authorized bodies or officials having the right to seize the client's money) and insufficiency or lack of money (including absence of money movement for less than a year), the bank shall have the right to refund such claims and close bank accounts.

5. Permission to convert a bank into an Islamic bank shall be subject to return by the bank to the authorized body when issuing a license to the bank to conduct banking and other operations of the Islamic bank or when a court takes decision to terminate the activity of the bank, as well as in case of revocation of permission by the authorized body.

6. During the period of its conversion into an Islamic bank, the bank shall be prohibited to extend the validity of contracts or conclude new contracts for conducting banking and other operations, as well as to carry out types of professional activity in the securities market, provided in paragraphs 2, 11 and 12 of Article 30 of this Law.

7. The term of conversion of the bank into an Islamic bank may not exceed five years. This term shall be extended by the authorized body at the request of the bank for a period not exceeding one year.

8. The decision to use the income received by the bank during the conversion period from transactions that not complying with the requirements, specified in Article 52-1 of this Law shall be made by the council on the principles of Islamic financing of the bank.

Article 52-17. State re-registration of the bank in the corporation and issuance of a license to conduct banking and other operations of the Islamic bank

Footnote. The title of Article 52-17 as amended by the Law of the Republic of Kazakhstan dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019).

1. Not later than six months before the expiration of the conversion, specified in the permission of the authorized body, the bank shall submit to the authorized body a report on implementation of actions provided by the actions plan to convert the bank into an Islamic bank with attachment of confirming documents.

2. If there are comments to the report, specified in paragraph 1 of this Article, the authorized body shall have the right to require the bank to perform additional actions and (or) provide additional information and documents. The bank shall be obliged to take into consideration the comments of the authorized body (to perform the required additional actions and (or) to provide additional information and documents) and re-submit to the authorized body a report on implementation of actions, provided by the actions plan to convert the bank into an Islamic bank with attachment of confirming documents within the established by the authorized body term.

3. The authorized body shall approve or refuse to approve the report on implementation of the actions, provided by the actions plan for conversion bank into an Islamic bank within two months from the date of its submission to the authorized body.

4. After approval by the authorized body of the report, specified in paragraph 1 of this Article, the bank shall, within thirty calendar days, apply to the Corporation for state re-registration of the bank.

The Charter of the Islamic bank shall contain the information provided by paragraph 3 of Article 14 and Article 52-4 of this Law.

5. The bank shall be obliged, within thirty calendar days from the date of state re-registration with the Corporation, but not later than thirty working days before the end of the conversion period, specified in the permission of the authorized body, apply to the authorized body with an application:

1) on the issuance of a license to conduct banking and other operations of the Islamic bank with attachment of the following documents:

a notarized copy of the charter of the Islamic bank;

a document, confirming the payment of the license fee to the budget for the right to engage in certain types of activity;

provisions on the council on the principles of Islamic financing of the bank;

rules on general conditions of conducting operations of the Islamic bank;

rules on the internal credit policy of the Islamic bank;

2) on renewal of the license to carry out activity in the securities market (if available) in the manner prescribed by the Law of the Republic of Kazakhstan "On Permits and Notifications".

6. The liquidation commission shall be obliged, within seven days after the approval of liquidation balance sheet and the report on liquidation of the bank, to submit them to the Corporation and the authorized body.

The procedure for licensing banking and other operations of the Islamic bank shall be determined by Article 26 of this Law.

7. From the moment of issuance of a license to the bank to conduct banking and other operations of the Islamic Bank:

1) the previously issued license to conduct banking and other operations shall cease its validity;

2) conversion of a bank to an Islamic bank shall be considered completed.

The bank shall be obliged to return to the authorized body the original of the previously issued license within ten working days after receiving the license to conduct banking and other operations of the Islamic bank, to carry out activity in the securities market.

Footnote. Article 52-17 as amended by the Law of the Republic of Kazakhstan dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019).

Chapter 5. Financial Accounting and Reporting

Article 53. Financial (operational) year of the bank

A financial (operational) year of the bank shall begin on 1 January and shall end on 31 December. If the registration of the bank is made after 1 January, the first financial (operational) year shall start from the date of the state registration of the bank and shall end on 31 December of the same year.

Article 54. Accounting and reporting in banks

1. The list, forms of financial and other reporting of banks, including financial and other reporting on a consolidated basis, the terms and procedure for its submission to the National Bank of the Republic of Kazakhstan shall be established by the regulatory legal acts of the National Bank of the Republic of Kazakhstan in agreement with the authorized body.

The list, reporting forms according to accounting data and other reporting of branches of non-resident banks of the Republic of Kazakhstan, the terms and procedure for its submission to the National Bank of the Republic of Kazakhstan shall be established by the regulatory legal acts of the National Bank of the Republic of Kazakhstan in agreement with authorized body.

Banks shall keep records of operations and events in accordance with the legislation of the Republic of Kazakhstan on accounting and financial reporting and international financial reporting standards.

2. Banks are obliged to provide, at the request of the authorized body and the National Bank of the Republic of Kazakhstan, any information about their funds, including those located outside the Republic of Kazakhstan, the amount of deposits and loans granted, performed and performed banking operations and other information, including information constituting banking secrecy.

      3. Excluded by the Law of the Republic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).
      4. Excluded by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).
      Footnote. Article 54 is in the wording by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 54-1. Reporting of major participants of the bank and bank holding companies

1. The list, forms of financial and other reports of large participants of the bank and bank holding companies, the terms and procedure for its submission to the National Bank of the Republic of Kazakhstan are established by regulatory legal acts of the National Bank of the Republic of Kazakhstan in agreement with the authorized body.

2. Amajor bank participant, who is an individual – the resident of the Republic of Kazakhstan, in addition to the reporting provided for in paragraph 1 of this Article, must, within five working days after the date of submission to the tax authority of the declaration on income and property, submit to the authorized body a copy of it with confirmation of the submission of the declaration to the tax authority.

Footnote. Article 54-1 is in the wording of the Law of the Republic of Kazakhstan dated 18.11.2015 No. 412-V (shall come into force from 01.01.2021); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); amended of The Laws RK of 03.07.2019 № 262-VI(put into effect from 01/01/2020);

Article 55. Publication of the key performance indicators of a bank and a bank holding company

1. Banks shall publish annual consolidated financial reporting, and in case of absence of a subsidiary (subsidiaries)- non-consolidated financial reporting and the audit report in accordance with the procedure and terms, established by the regulatory legal act of the authorized body, after confirmation by the audit organization, complying with the requirements of paragraph 4 of Article 19 of this Law, the accuracy of submitted information and approval of financial reporting by the annual meeting of the bank’s shareholders and at the request of the authorized body shall place on the corporate Internet-resource of the bank other reporting in accordance with the list and terms, established by the regulatory legal act of the authorized body.

The banks shall publish quarterly the balance sheet, profit and loss report, meeting the international financial reporting standards, in accordance with the procedure and terms, established by the authorized body, without their audit confirmation.

Bank holding companies shall publish their annual consolidated financial statements and, in the absence of a subsidiary (an affiliated) organization (s) –the non-consolidated financial statements and the audit report in accordance with the procedure and terms, established by the regulatory legal act of the authorized body.

The requirements of this Article shall not apply to non-residents of the Republic of Kazakhstan that are a bank holding company.

2. A branch of a non-resident bank of the Republic of Kazakhstan shall publish, in accordance with the procedure and terms, established by the regulatory legal act of the authorized body:

annual statements according to the accounting data of a branch of a non-resident bank of the Republic of Kazakhstan;

annual consolidated financial statements of a non-resident bank of the Republic of Kazakhstan, and in the absence of a subsidiary (subsidiaries) organization (organizations) - non-consolidated financial statements of a non-resident bank of the Republic of Kazakhstan, an audit report after confirmation by an audit organization the reliability of the information presented in it and approval by a non-resident bank of the Republic of Kazakhstan.

The branch of a non-resident bank of the Republic of Kazakhstan, at the request of the authorized body, shall post other reports on the Internet resource of a branch of a non-resident bank of the Republic of Kazakhstan in accordance with the list and terms established by the regulatory legal act of the authorized body.

The branch of a non-resident bank of the Republic of Kazakhstan shall publish quarterly a statement of assets and liabilities, a statement of income and expenses in accordance with international financial reporting standards, in the manner and within the time limits established by the regulatory legal act of the authorized body, without their audit confirmation.

Footnote. Article 55 – as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 56. Recording and keeping of documents

1. Banks shall be required to ensure strict control and recording of the documents used in preparing the accounting statements.

2. The list of the basic documents shall be kept, and the document retention period shall be defined by the authorized body.

Footnote. Article 56 is amended by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Chapter 6. An audit of banks and their affiliates

Footnote. The title of the chapter is in the wording by the Law of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2).

Article 57. An audit of banks and their affiliates

1. The audit of the bank shall be conducted by an audit organization authorized to conduct an audit in accordance with the legislation on audit activity and complying with the requirements of paragraph 4 of Article 19 of this Law.

1-1. Conducting an audit at the end of the financial year shall be mandatory for banks (with the exception of a bank that has been deprived of a license to conduct all banking operations or is in the process of forced liquidation), organizations in which the bank is a major participant, bank holding companies, copies of the report on which and the recommendations of the audit organization must be submitted by banks, bank holdings within thirty calendar days from the date of receipt of these documents or their submission to banks, bank holdings.

The consolidated annual financial statements of the bank and bank holding company shall be certified by an audit organization eligible to audit banks.

The audit of a bank holding and a bank in which the bank holding has a major participation shall be carried out by the same audit organization. Audit of organizations - residents of the Republic of Kazakhstan, in which the bank is a major participant, shall be carried out by the same audit organization.

1-2. Is excluded by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication).

1-3. A bank holding company that is a non-resident of the Republic of Kazakhstan shall submit to the authorized body a copy of the audit report and recommendations of the audit organization in the Kazakh or Russian languages.

2. (Is excluded by the Law of the Republic of Kazakhstan dated 5 May, 2006 No 139 (the order of enforcement see Article 2 of the Law No 139).

3. Audit of banks shall be carried out in order to establish:

timeliness, completeness and accuracy of the accounting and reporting, reflecting the performed banking transactions;

compliance of the conducted banking transactions with the requirements of this Law and the legislation of the Republic of Kazakhstan;

compliance of the conducted banking transactions with the general conditions of their execution, and compliance of the order of the banking transactions with the internal rules of the bank.

4. The results of the audit and its findings shall be recorded in the report of the audit organization and submitted to the board of directors and the board of the bank, if necessary (the bank’s decision), to other legal entities, incorporated in the banking conglomerate.

An audit report of financial statements of a bank or other legal entities that are part of a banking conglomerate shall not constitute a commercial secret.

5. Excluded by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

6. In case of non-elimination by the bank, a bank holding company, organization in which the bank and (or) a bank holding company are major participants of deficiencies that affect the financial situation of the bank or a banking conglomerate, specified in the audit report within the period determined by the authorized body, the authorized body until elimination of deficiencies shall have the right to apply:

to the bank- the measures on improving financial situation and (or) minimizing the risks provided by Article 46 of this Law;

to the bank holding company, the organization in which the bank and (or) a bank holding company are major participants, – the compulsory measures of supervisory response provided by paragraph 2 of Article 47-1 of this Law.

In case of non-elimination by the bank holding company of deficiencies that affect the financial situation of the bank or a banking conglomerate, specified in the audit report, within one year from the date of receipt of this report by these persons, the authorized body until elimination of deficiencies shall have the right to apply to the bank holding the compulsory measures of supervisory response provided by paragraph 3 of Article 47-1 of this Law.

7. If there is a deviation in opinions and conclusions on the financial reporting and (or) other information related to the financial reporting in terms of recognition of assets, liabilities and contingent liabilities of banks, bank holding companies and organizations in which the bank and (or) a bank holding company are major participants set forth in the audit report from the results of the audit conducted by the authorized body, the authorized body shall have the right to require from the audit organization explanations of the reasons for such deviation.

7-1. Provisions of paragraphs 1, 1-1, 1-3, 3, 4, 6 and 7 of this Article shall not be applicable to the branches of non-resident banks of the Republic of Kazakhstan.

The branch of a non-resident bank of the Republic of Kazakhstan shall be obliged to submit to the authorized body a copy of the audit report of the financial statements of a non-resident bank of the Republic of Kazakhstan at the end of the financial year and recommendations of the audit organization in Kazakh or Russian within ten working days days after they are submitted by an audit organization to a non-resident bank of the Republic of Kazakhstan.

8. The authorized body in case of detection of risks and deficiencies in the bank's activity may require from it conducting audit of other information in relation to assessment of the risk management and internal control system, including in relation to strategy and business model, assessment of the corporate management system, assessment of the risks management system of information technology, assessment of effectiveness of information security system and the effectiveness of internal control system in the sphere of combating legalization (laundering) of incomes obtained in a criminal way and financing of terrorism (hereinafter – audit of other information) with indication of the list of issues which are subject to check, audited period and term of submission by the audit organization of the audit opinion on the audit of other information to the authorized body.

Conducting audit of other information at the request of the authorized body shall be obligatory for banks.

The bank shall conduct audit of other information not more than once a year, on one issue the audit of other information shall be conducted not more often than once in three years, except for the case provided by paragraph 10 of this Article.

The list of issues subject to check in the framework of audit of other information, requirements to the contents, terms of submission by an audit organization of an audit opinion for the audit of other information, requirements for the auditors in the composition of an audit organization, attracted to the audit of other information, shall be established by regulatory legal acts of the authorized body in agreement with the authorized state body, carrying out regulation in the field of audit activity and control over the activity of audit and professional audit organizations.

The check plan for the audit of other information with description of the expected directions, scope, nature of the audit, features of the methods and standards used in the audit shall be subject to prior approval by the audit organization with the authorized body.

The audit opinion on the audit of other information shall be submitted to the authorized body by the audit organization and shall not be subject to publication.

The results of the audit of other information may be taken into account by the authorized body when applying supervisory response measures.

9. In order to carry out an audit or audit of other information, a bank, an organization in which the bank is a major participant, a banking holding company shall engage an audit organization that meets the minimum requirements for audit organizations that conduct a mandatory audit of financial organizations, developed by the central executive body that regulates audit activities and state control in the field of audit activities and activities of professional organizations, in agreement with the authorized body.

A bank, an organization in which the bank is a major participant, a bank holding not later than ten working days after the conclusion of an agreement for an audit or audit of other information shall notify the authorized body of the choice of an audit organization. In the event of an audit of other information, the bank has the right to petition the authorized body to conduct an audit of other information by an organization that is not an audit organization, in a manner other than an audit.

The petition of the bank shall be considered by the authorized body within five working days.

The requirements for the procedure of conducting an audit of other information, established by this Article, shall apply to the procedure for conducting an audit of other information in a different way than the audit.

The authorized body shall have the right to provide the audit organization, subject to confidentiality requirements, with information and comments on the results of inspections of the persons specified in part one of paragraph 1-1 of this Article, and other information related to the activities of the bank, an organization in which the bank is a major participant, a bank holding company, including those based on a reasoned judgment of the authorized body, including information constituting a banking and (or) commercial secret, without the consent of the persons specified in part one of paragraph 1-1 of this Article.

The audit organization shall conduct a mandatory assessment and analysis of information sent by the authorized body in accordance with part five of this paragraph. The results of the conducted assessment and analysis shall be used by the audit organization in expressing opinions and conclusions contained in the audit report or audit opinion on the audit of other information.

10. In case of recognition by the court of an audit report and (or) audit conclusion on the audit of other information as invalid, the bank, a bank holding company, organization in which the bank and (or) a bank holding company are major participants, shall be obliged to conduct audit and (or) audit of other information repeatedly.

11. The authorized body shall have the right to request from the audit organization information, including data, constituting commercial secret, including on the list of clients. Information on the clients shall be provided with the consent of the clients of the audit organization.

Footnote. Article 57 as amended by the Laws of the Republic of Kazakhstan dated 11 July, 1997 No 154 and dated 29 June, 1998 No 236; dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 5 May, 2006 No 139 (the order of enforcement see Article 2 of the Law of the Republic of Kazakhstan No 139); dated 12 January, 2007 No 222 (shall be enforced upon expiry of six months after the date of its official publication); dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated 20.02. 2009 No 138 -IV (the order of enforcement see Article 2); dated28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (introduction into force see Article 2); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 58. Licensing of audit activities related to examination of banking activity

(Article is excluded by the Law of the Republic of Kazakhstan dated 5 May, 2006 No 139(the order of enforcement see Article 2 of the Law No 139)

Article 59. Recognition of a report on auditing the banking activity invalid by an audit organization (auditor). Grounds for revocation, suspension of a license to conduct the audit of the banking activities

(Article is excluded by the Law of the Republic of Kazakhstan dated 5 May, 2006 No 139 (the order of enforcement see Article 2 of the Law No 139)

Chapter 6-1. Restructuring of a bank

Footnote. The Law is supplemented by Chapter 6-1 in accordance with the Law of the Republic of Kazakhstan dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 59-1. The definition of bank restructuring

The restructuring of the bank shall mean a range of administrative, legal, financial, organizational, technical and other measures and procedures to be implemented by the bank based on the bank's restructuring plan (hereinafter - the restructuring plan) for recovery of its financial condition and improvement of its work.

The provisions of this Chapter shall apply to the restructuring of the organization, included in the banking conglomerate as a parent organization and which is not a bank.

The provisions of this chapter shall not apply to the restructuring of the bank’s assets and (or) the obligations at the request of the authorized body.

Footnote. Article 59-1 as amended by the Law of the Republic of Kazakhstan dated 01.03.2011 No 414 -IV (shall be enforced from 01.01.2010).

Article 59-2. The grounds and principles for restructuring of a bank

Footnote. The title of Article 59-2 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Restructuring of the bank may be carried out in connection with inability of the bank to fulfill the requirements of individual creditors for obligations due to the lack or insufficiency of the money of the bank.

Restructuring of the bank shall be based on the following principles:

1) observance of the rights and interests of depositors and creditors of the bank in accordance with the reverse order of satisfaction of claims provided by Article 74-2 of this Law;

2) equal observance of the rights and interests of depositors and creditors, being in the same queue of satisfaction of claims provided by Article 74-2 of this Law.

Footnote. Article 59-2 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 59-3. General terms and conditions of the bank's restructuring

1. After arising of the grounds for the restructuring, referred to in Article 59-2 of this Law, the bank shall have the right to hold a meeting of the board of directors to take a decision on the restructuring of the bank.

2. No later than the next working day from the date of the decision made by the board of directors, specified in paragraph 1 of this Article, the bank shall send the board's decision on the restructuring of the bank to the authorized body.

3. Within seven calendar days after the receipt of the decision of the board of directors about the bank’s restructuring, the authorized body shall conclude a written agreement with the bank on the restructuring of the bank.

4. The bank shall submit the draft restructuring plan to the authorized body. If there are comments and suggestions, the authorized body shall be entitled to require the bank to finalize the draft restructuring plan. The bank shall be obliged to take into account the comments and suggestions of the authorized body and re-submit the revised draft restructuring plan to the authorized body.

5. A bank shall apply to the court for restructuring in the order, prescribed by the civil procedure legislation of the Republic of Kazakhstan. Since the entry into force of the court decision on the bank’s restructuring and its period, the restrictions provided by the civil procedural legislation of the Republic of Kazakhstan shall be applied.

6. Within seven calendar days from the date of enforcement of the court decision on the restructuring, the bank shall inform depositors, creditors and other clients about the restructuring through publishing the appropriate announcement in at least two periodicals that are circulating throughout the territory of the Republic of Kazakhstan, in the Kazakh and Russian languages.

The bank shall send the copies of the enforced court decision on restructuring to the banks - correspondents not later than the day following the date of its receipt.

7. From the moment of enforcement of the court decision on the bank’s restructuring the bank shall have the right:

1) to suspend the execution of sale and purchase contracts, exchange, gift or other transactions on alienation of the bank’s property, conclusion of loan agreements and other financing, entailing credit risks;

2) to suspend wholly or partially fulfillment of the bank’s obligations.

8. Within the timeframes, stipulated by a court decision on the restructuring, the bank shall convene a meeting of creditors of the bank, to which the obligations to be restructured in order to conduct negotiations with them and obtain the approval of the restructuring plan.

In order to obtain the approval of the restructuring plan, the consent of the creditors shall be required, possessing not less than two -thirds of the volume of the bank's liabilities to creditors, to whom the obligations shall be restructured.

The restructuring of the bank shall be carried out in respect of all the bank's liabilities to creditors that are to be restructured in accordance with the restructuring plan, if the restructuring plan is approved by the bank's creditors in the order, provided in this paragraph.

9. Not later than the next working day from the date of the creditors’ approval of the restructuring plan, the bank shall send the restructuring plan, approved by the creditors to the authorized body or notify the authorized body of the impossibility of the bank’s restructuring if the approval of the bank's creditors is not obtained in the order, established by paragraph 8 of this Article.

The authorized body shall be entitled to require finalization of the restructuring plan if the conditions of the restructuring plan differ from the conditions of the draft restructuring plan that was previously submitted by the bank to the authorized body.

The bank shall be obliged to take into account the comments and suggestions of the authorized body and re-submit the revised restructuring plan, approved by the bank's creditors, to the authorized body in the order, established by paragraph 8 of this Article.

10. After fulfillment of the requirements, established in paragraph 9 of this Article, the bank shall submit the restructuring plan to the court for approval.

11. The restructuring plan shall have to contain the following information:

the order and duration of the restructuring;

the list of the restructured assets and liabilities;

the actions, carried out in the framework of the restructuring;

the expected financial results of the restructuring of assets and liabilities;

the undertaken restrictions on the activities.

The restructuring plan of the bank that is a participant of the banking conglomerate, in addition to the said information, shall contain the expected results of the effect on other members of the banking conglomerate, entailed by the restructuring of the bank.

12. Restructuring shall be terminated in the order and under the conditions, provided by the civil procedural legislation of the Republic of Kazakhstan.

13. In case of termination of restructuring of the bank in connection with implementation of measures, provided by the restructuring plan, the obligations of the bank included in the restructuring plan, shall be considered executed, enforcement proceedings by court decisions, arbitration on such obligations shall be terminated.

13-1. A copy of an enforced court decision to terminate the restructuring shall be sent by the banks to the banks- correspondents not later than the day following the date of its receipt.

14. In accordance with the restructuring plan and a written agreement, the bank shall submit information on the restructuring of the bank to the authorized body, including about the implementation of the activities, provided by the restructuring plan.

15. The authorized body shall control the implementation of measures on the bank's restructuring plan.

During the restructuring of the bank, the authorized body shall have the right to apply to the bank and (or) its major participants, a bank holding company, the persons possessing the characteristics of a major participant of the bank or a bank holding company, the supervisory response measures provided by this Law.

16. During the restructuring, the bank may not increase the amount of participation (in absolute terms) in the organizations, except for the cases, provided in the bank's restructuring plan, approved by the court.

Footnote. Article 59-3 as amended by the Laws of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2013 No. 125-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 08.04.2016 No. 489-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Section II. The terms of changing of the legal status and particularities of termination of the bank’s activities and bank holding companies
Chapter 7. Voluntary reorganization of banks and bank holding companies

Footnote. The titles of the section and chapter are in the wording by the Law of the Republic of Kazakhstan, dated 11.07.1997 No 154, as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 60. General terms and conditions of a voluntary reorganization of banks (bank holding companies)

Footnote. The title as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication).

1. Voluntary reorganization (merger, accession, division, separation, transformation, conversion) of banks (bank holding companies) may be carried out by the decision of general meeting of shareholders (participants) with the permission of the authorized body.

The procedure for issuance of a permit for voluntary reorganization of a bank (bank holding company) or refusal to issue such a permit shall be determined by a regulatory legal act of the authorized body.

1-1. The procedure for reorganization of the bank in the form of conversion into an Islamic bank shall be established by Chapter 4-2 of this Law.

2. The grounds for filing a petition for permission to conduct a voluntary reorganization of the bank (bank holding company) shall be the presence of the decision of the general meeting of the shareholders (participants) of the bank ( bank holding company).

3. An application for a permit of the authorized body to conduct a voluntary reorganization of the bank (bank holding company) shall be attached with the following documents:

a) the decision of the supreme body of the bank (bank holding company) about its voluntary reorganization;

b) the documents that describe the expected conditions, forms, terms and timing of the voluntary reorganization of the bank ( bank holding company);

c) the financial forecast of the consequences of the voluntary reorganization, including the balance of payments of the bank (the bank holding company) after its voluntary reorganization and/or legal entities, established after the voluntary reorganization of the bank (the bank holding company).

The agreement on affiliation, signed by the chief executive officers of executive bodies or reorganized banks shall be attached to the application on receipt of permission of the authorized body to conduct voluntary reorganization in the form of affiliation, except the documents, mentioned in the first part of this Article.

4. An application for permission to conduct the voluntary reorganization of the bank (the bank holding company) shall be considered by the authorized body within two months from the date of its acceptance.

5. The being reorganized bank (bank holding company) within two weeks from the date of receipt of the permission of the authorized body to conduct the reorganization shall inform its depositors, clients, correspondents and lenders through publication of the corresponding announcement in the mass media, including on the website of the bank.

6. The state registration or re-registration of the legal entities, formed after reorganization shall be carried out in accordance with the legislative act of the Republic of Kazakhstan.

7. The requirements of this Article shall not apply to the non-residents of the Republic of Kazakhstan that are the bank holding company, the entity, having the characteristics of a bank holding company, if any of the following conditions are observed:

the presence of an individual credit rating not lower than A rating of one of the rating agencies, the list of which shall be established by the authorized body, as well as a written confirmation from the Financial Supervisory Authority of the country of origin of the bank holding company, the entity, having the characteristics of a bank holding company, about the fact that the entities–non-residents of the Republic of Kazakhstan shall be subject to the consolidated supervision;

Footnote. Article 60 as amended by the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 26.12.2012 No 61 -V (shall be enforced from 04.02.2012); dated 19.03.2014 No. 179-V (shall be enforced from the date of its first official publication); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).

Article 60-1. Features of voluntary reorganization of banks

Footnote. The title of Article 60-1 is in the wording of the Law of the Republic of Kazakhstan dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication).

1. Upon affiliation of a bank to another bank, the shares of the affiliated bank shall be purchased by the bank to which the affiliation is carried out by placing (sale) among the shareholders of the affiliated bank its shares in the amount, determined on the basis of the ratio of exchange of shares, approved at the joint general meeting of shareholders of the reorganized banks after its prior approval by the board of directors of each bank. At the same time the provisions of Article 83 of the Law of the Republic of Kazakhstan "On Joint-Stock Companies" relating to the sale price of shares of affiliated companies and price of placement (sale) of shares to which the affiliation is carried out (including provisions for determination, consideration and approval of these prices by the bodies of the company) shall not be applied.

2. The agreement on affiliation, signed by the chief executive officers of executive bodies on the basis of decision, adopted at joint general meeting of shareholders of the reorganized banks shall be attached to the application on receipt of permission of the authorized body to conduct voluntary reorganization in the form of affiliation, except the documents, mentioned in paragraph 3 of Article 60 of this Article.

3. After the transfer of obligations of the affiliated bank before the creditors and (or) depositors to the bank, to which the affiliation is carried out, the fulfillment of obligations before such creditors and (or) depositors, including maintenance of the transferred bank accounts of depositors, shall be carried out by the bank, to which the affiliation is carried out.

4. The affiliated bank shall have the right to transfer the bank, to which the affiliation is carried out, the obligations before the depositors with their bank accounts opened in the affiliated bank (saving individual identification codes) without the conclusion of additional agreements to the contracts for banking services, the history of movement of money on them, the dossier, generated when opening and maintaining bank accounts, outstanding requirements, including the orders of authorized state bodies entitled to suspension of expenditure transactions on bank account, as well as decisions (resolutions) of the authorized bodies or officials having the right to seize the client's money, and encumbrances on the depositors ' bank accounts available in the affiliated bank at the moment of transfer of obligations.

5. The bank to which the affiliation is carried out, at the required time within the duration of the reorganization procedures in order to ensure the preservation of details of bank accounts of the depositors (including individual identification codes, assigned by the affiliated bank) shall have the right to follow the instructions on bank accounts of the depositors, transferred to the bank, to which affiliation is carried out, with individual identification codes of depositors, indicated in them, assigned by the affiliated bank, as well as with the relevant details of the affiliated bank, used in making payments and money transfers. Execution of such instructions shall be conducted using the correspondent account of the affiliated bank. The bank to which the affiliation is carried out, shall have the right to use the banking information system of the affiliated bank.

6. Collection and processing of personal data of the clients of the bank, rights (claims) and obligations under which are transferred within the framework of the reorganization procedure, shall be carried out by the bank to which the affiliation is carried out, without the consent of the personal data subjects or their legal representatives.

7. Within the required period in the framework of conducting reorganization procedures of the bank, the bank to which the affiliation is carried out, shall assign individual identification codes to the bank accounts of the depositors in compliance with the requirements of the legislation of the Republic of Kazakhstan and shall notify in the order, provided by sub-paragraph 1) of Article 24 of the Code of the Republic of Kazakhstan "On Taxes and Other Obligatory Payments to the Budget" (Tax Code), the authorized state body, carrying out management in the field of ensuring tax revenues and other obligatory payments to the budget, on changing of individual identification codes on bank accounts of the taxpayers, provided by subparagraph 1) of part one of Article 24 of the Code of the Republic of Kazakhstan "About Taxes and Other Obligatory Payments to the Budget" (Tax Code).

After changing the individual identification codes of bank accounts of the depositors, to which there are outstanding claims, including accepted orders of the authorized state bodies entitled to suspension of expenditure transactions on bank account, as well as the decisions (resolutions) of the authorized bodies or officials entitled to seizure the client's money, encumbrance on the bank accounts of the depositors:

the bank, to which affiliation is carried out, shall notify the person (body), sent to the bank account of the depositor the claims (including regulations of the authorized state bodies entitled to suspension expenditure transactions on bank account, as well as the decisions (resolutions) of the authorized bodies or officials entitled to seize the client's money) or imposed (imposed) encumbrances on the depositors’ bank accounts, on changing the details of the depositor’s bank account, including the individual identification code;

previously charged to the bank account of the depositor, transferred to the bank, to which the affiliation is carried out, the outstanding claims shall be executed by the bank, to which the affiliation is carried out, from the bank accounts of the depositors, opened by such bank, with correction of details of the affiliated bank (name, bank identification code, business identification number) for the relevant details of the bank to which the affiliation is carried out, as well as an individual identification code of the depositor on the relevant individual identification code of the depositor, assigned to a bank account in accordance with part one of this paragraph;

previously charged to the bank account of the depositor, transferred to the bank, to which the affiliation is carried out, the outstanding orders of the authorized state bodies entitled to suspension of expenditure transactions on the bank account, as well as the decisions (resolutions) of the authorized bodies or officials entitled to seize the client's money, shall be executed by the bank to which the affiliation is carried out, from bank accounts of the depositors, opened by the bank, to which the affiliation is carried out, with preservation of calendar sequence of their receipt in the affiliated bank and in the order provided by the Civil code of the Republic of Kazakhstan.

Servicing of bank accounts of the depositors shall be performed by the bank to which the affiliation is carried out, in accordance with the requirements of the legislation of the Republic of Kazakhstan and the conditions of banking service contracts, obligations under which have been transferred to this bank.

Footnote. The Law is supplemented by Article 60-1 in accordance with the Law of the Republic of Kazakhstan dated 19.03.2014 No. 179-V (shall be enforced from the date of its first official publication); as amended by the laws of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced from 01.09.2014); dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (shall be enforced from 01.06.2018).

Article 61. Refusal to issue a permit for a voluntary reorganization of a bank and a bank holding company

Footnote. Article 61 as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication).

Refusal to issue a permit of the authorized body for voluntary reorganization of the bank (the bank holding company) shall be carried out under one of the following grounds:

a) absence of the relevant decisions of the supreme bodies of the being reorganized banks (bank holding companies );

b) violation of interests of depositors due to the proposed reorganization;

c) violation of prudential standards and other mandatory standards and limits due to the proposed reorganization;

d) violation as a result of the proposed reorganization of the requirements of the legislation of the Republic of Kazakhstan in the field of competition protection.

Footnote. Article 61 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 29.10.2015 № 376-V (shall be enforced from 01.01.2016).

Chapter 7-1. Measures aimed at protection of the consumers of banking services

Footnote. The Law is supplemented by Chapter 7-1 in accordance with the Law of the Republic of Kazakhstan dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 61-1. Mandatory deposit guarantee

1. In order to protect the interests of depositors of the second tier banks of the Republic of Kazakhstan, a system of mandatory deposit guarantee shall be established.

Mandatory deposit guarantee shall be carried out by a specially created non-profit organization.

The legal grounds of functioning of the mandatory deposit guarantee system, the rights and duties of its participants shall be defined by the legislation of the Republic of Kazakhstan.

2. Participation in the system of mandatory deposit guarantee shall be compulsory for all second tier banks, licensed to take deposits, open and maintain the bank accounts of individuals, except for the Islamic banks.

Article Article 61-2. Transaction on simultaneous transfer of assets and liabilities of the bank to another (other) bank (banks)

1. In order to protect the rights of creditors and depositors of the bank, a transaction on simultaneous transfer of assets and obligations of the bank in part or in full to another (other) bank (banks) (hereinafter – the bank-acquirer) shall be allowed in agreement with the authorized body.

2. The procedure for conducting operation, provided by this Article, types of assets and liabilities subject to transfer when conducting the specified operation, as well as the procedure for approval by the authorized body of this transaction shall be determined by the regulatory legal act of the authorized body.

The transaction on simultaneous transfer of assets and liabilities between the parent bank and the subsidiary bank shall be carried out in accordance with this Article, taking into account the features provided by Article 61-4 of this Law.

3. The bank shall publish an announcement on the transfer of assets and (or) liabilities of the bank in part or in full. The announcement shall be published in periodicals distributed throughout the Republic of Kazakhstan, on the Internet-resource of the bank in the Kazakh and Russian languages after approval by the authorized body of the transaction specified in paragraph 1 of this Article.

4. Transfer of liabilities of the bank in the manner provided by this Article shall be carried out with the consent of the depositors and (or) creditors of the bank, except for the cases provided by part four of this paragraph.

Absence of a written objection from the depositors and (or) creditors of the bank within ten calendar days from the date of publication of the announcement during the transaction on simultaneous transfer of assets and liabilities by the bank to the bank-acquirer shall be considered as the consent of the depositor and (or) the creditor to transfer liabilities.

If there are objections of depositors against the transfer of liabilities upon conducting a transaction, provided by Article 61-4 of this Law, such depositor shall be obliged, not later than ten calendar days, to apply to the bank with a written refusal to transfer liabilities by the bank, except for the cases provided by part four of this paragraph. The depositor shall attach to the refusal an instruction on the issuance of a deposit in cash or on the transfer of its amount to another bank, issued in accordance with the requirements of the legislation of the Republic of Kazakhstan and the conditions of the banking service contract.

Upon conducting a transaction provided by Article 61-4 of this Law, the liabilities of the bank to the depositors, whose bank accounts have outstanding requirements, including the orders of authorized state bodies entitled to suspend expenditure transactions on bank account, and the decisions (resolutions) of the authorized bodies or officials entitled to seize the client's money, encumbrance on bank accounts of the depositors, shall be transferred to the bank-acquirer, regardless of the objections of the depositors for the transfer of liabilities.

5. After the transfer of the bank's liabilities to the creditors and (or) depositors to the bank- acquirer, execution of liabilities to such creditors and (or) depositors, including the maintenance of the transferred current and savings accounts of depositors, shall be carried out by the Bank- acquirer.

6. The bank shall have the right to transfer to the bank-acquirer the liabilities to the depositors with their bank accounts in the bank (with preservation of individual identification codes) without conclusion of additional agreements to the bank service contracts, history of money movement on them, dossier, formed at opening and maintaining bank accounts, unfulfilled requirements, including orders of the authorized state bodies having the right of suspension expenditure operations on the bank account, as well as decisions (resolutions) of authorized bodies or officials, having the right to seize the client's money, and encumbrances on bank accounts of the depositors available in the bank at the time of transfer of liabilities.

7. During the transition period, established by the regulatory legal act of the authorized body, in order to ensure preservation of details of the depositors' bank accounts (including individual identification codes assigned by the bank), the bank-acquirer shall have the right to execute instructions on bank accounts of the depositors, transferred to the bank-acquirer, with specified therein individual identification codes of the depositors, assigned by the bank, as well as the relevant details of the bank, used in carrying out payments and money transfers. The features of execution of such instructions using the correspondent account of the bank shall be determined by agreement of the bank and the bank- acquirer.

8. During the transition period, the bank-acquirer shall assign individual identification codes to the depositors' bank accounts in compliance with the requirements of the legislation of the Republic of Kazakhstan and shall notify in the manner provided by subparagraph 1) of part one of Article 24 of the Code of the Republic of Kazakhstan "On Taxes and Other Obligatory Payments to the Budget" (Tax Code), the authorized state body, carrying out management in the sphere of ensuring the receipt of taxes and other obligatory payments to the budget, about the change of individual identification codes on bank accounts of the taxpayers provided by subparagraph 1) of part one of Article 24 of the Code of the Republic of Kazakhstan "On Taxes and Other Obligatory Payments to the Budget" (Tax Code).

After changing the personal identification codes of bank accounts of the depositors, to which there are outstanding requirements, including accepted to execution orders of authorized state bodies entitled to suspension of expenditure transactions on bank account, as well as the decisions (resolutions) of the authorized bodies or officials, having the right to seize the client's money or imposed encumbrances on the depositors' bank accounts:

the bank-acquirer shall notify the person (body) that has sent (directed) claims to the depositor's bank account (including the orders of the authorized state bodies having the right to suspend expenditure operations on the bank account, as well as decisions (resolutions) of the authorized bodies or officials having the right to seize the client's money) or imposed (imposed) encumbrances on the depositors' bank accounts, on changes in the details of the depositor's bank account, including the individual identification code;

previously submitted to the depositor's bank account transferred to the bank-acquirer, the unfulfilled requirements shall be executed by the bank- acquirer from the depositors' bank accounts opened by the bank-acquirer, with correction of bank details (name, bank identification code, business identification number) to the relevant details of the bank-acquirer, as well as the individual identification code of the depositor to the relevant individual identification code of the depositor assigned to the bank account in accordance with part one of this paragraph;

previously submitted to the bank account of the depositor, transferred to the bank-acquirer, the unfulfilled orders of authorized state bodies, having the right to suspend expenditure operations on the bank account, as well as decisions (resolutions) of the authorized bodies or officials, having the right to seize the client's money, shall be executed by the bank-acquirer from bank accounts of the depositors, opened by the bank- acquirer, preserving the calendar priority for their receipt to the bank and in the manner, provided by the Civil code of the Republic of Kazakhstan.

Servicing of depositors' bank accounts shall be carried out by the bank-acquirer in accordance with the requirements of the legislation of the Republic of Kazakhstan and the conditions of banking service contracts, liabilities under which have been transferred to this Bank.

9. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

10. Transfer of the assets of the bank in the form of rights (claims) does not require the consent of the debtor (debtors), unless otherwise provided by the agreement.

In order to notify the debtor (debtors), the bank shall publish an announcement on the transfer of the rights (claims) of the bank in part or in full, specified in paragraph 3 of this Article. If the debtor fulfills his/her obligations in part or in full to the bank, that transferred the rights (claims), this performance shall be deemed fulfilled to the appropriate creditor.

11. Transfer of assets and liabilities of the bank shall be carried out by concluding a contract on simultaneous transfer of assets and liabilities with attachment of the transfer act to the contract.

The transfer act must contain information about the transferred assets, rights, ensuring the performance of obligations under the transferred assets, and liabilities.

The provisions of the Civil code of the Republic of Kazakhstan on the change of persons in the obligation shall apply to the contract on simultaneous transfer of assets and liabilities.

12. Transfer of the assets of the bank in the form of shares or participation stakes in the authorized capital of legal entities, branches and representative offices to the bank-acquirer shall be conducted in accordance with the requirements of this Law and other legislative acts of the Republic of Kazakhstan, except for the case provided in Article 61-4 of this Law.

13. The bank-acquirer shall have the right to use banking information system of the bank, that transferred assets and liabilities.

14. Collection and processing of personal data of the bank's clients, rights (claims) and liabilities under which are transferred during the transaction, specified in paragraph 1 of this Article, shall be carried out by the bank-acquirer without the consent of the subjects of personal data or their legal representatives.

15. Transfer of assets and liabilities of the bank, being in the process of restructuring shall be carried out within the framework of the restructuring plan in accordance with the provisions of Chapter 6-1 of this Law.

Footnote. Article 61-2 as amended by the Law of the Republic of Kazakhstan dated 27.04.2015 No. 311-V (shall be enforced from 01.01.2015); as amended by the laws of the Republic of Kazakhstan dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 25.12.2017 No. 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 61-3. Peculiarities of transfer of assets and liabilities of the bank being in the conservation mode to the stabilization bank

Footnote. Article 61-3 is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 61-4. Peculiarities of simultaneous transfer of assets and liabilities between a parent bank and a subsidiary bank

Footnote. The title of Article 61-4 is in the wording of the Law of the Republic of Kazakhstan dated 27.02.2017 No. 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication).

1. Transaction on simultaneous transfer from a subsidiary bank to a parent bank of assets in part or in full and liabilities in full, except for liabilities related to placement of deposits and received loans of the national managing holding, and transfer from the parent bank to the subsidiary bank of dubious and hopeless assets in part or in full shall be carried out in agreement with the authorized body within the framework of one contract.

2. For the purposes of this Article, a subsidiary bank means a subsidiary bank in respect of which a restructuring has been carried out in accordance with this Law, transferring to the parent bank the assets in part or in full and liabilities in full, except for liabilities related to placement of deposits and received loans of the national managing holding, and accepting from the parent bank dubious and hopeless assets in part or in full.

3. Assignment of rights (claims) on the grounds and in the manner, determined by this Article does not require amendments and additions to the contracts concluded by the parent or subsidiary bank with individuals and legal entities, in terms of specifying a new creditor, pledge holder.

At assignment of rights (claims) on the grounds and in the manner, determined by this Article, the consent of the borrower, the pledge holder, the guarantor and other persons on assignment shall not be required. In this case, the identity of a new creditor is recognized as not having significant significance for the debtor.

4. Contract on simultaneous transfer of assets and liabilities (with attachment of the transfer act) shall be provided to the authorized registering body (organization) by the bank-acquirer in order to enter in the legal cadastre, as well as the registry of pledge of movable property, the system of registers of securities holders the information about a new creditor, who is at the same time a pledge holder, to whom the rights ensuring fulfillment of obligations under the transferred assets have been transferred.

Assignment of rights (claims) on the grounds and in the manner, determined in this Article is also the ground for transfer to a new creditor, who is at the same time a pledge holder, of rights to property in respect of which there are encumbrances, arrests, other restrictions in the disposal of property, registered by third parties or state bodies.

5. The bank- acquirer shall be recognized as a creditor (lender) for banking and other operations and types of activity, provided by Article 30 of this Law and shall have all the rights and obligations of the Bank to which the rights (claims) have been assigned from the date of conclusion of the contract on simultaneous transfer of assets and liabilities.

6. Transfer of assets of a subsidiary bank to a parent bank in the form of shares or participation stakes in the authorized capital of legal entities, branches and representative offices does not require the parent bank to obtain additional permits, consents or notifications of the authorized body, which are provided by this Law and other laws of the Republic of Kazakhstan, except for the approval, specified in paragraph 1 of this Article.

7. After carrying out an operation, specified in paragraph 1 of this Article, the license for conducting banking and other operations and activity on the securities market shall terminate in connection with voluntary application of the subsidiary bank to the authorized body on termination of the license.

8. After the termination of the license for banking and other operations and activities on the securities market, a legal entity that was previously a subsidiary bank shall:

have the right to retain the word "bank" in its name;

have the right to collect and process personal data of clients of the parent bank, the rights (claims) and liabilities under which have been transferred during the operation, specified in this Article, without the consent of the subjects of personal data or their legal representatives;

be recognized by the creditor (lender) on the transferred rights (claims) and retains the rights and obligations of the creditor (of the bank, lender) on the remaining rights (claims), established by the bank loan contracts;

not be an organization, carrying out certain types of banking operations, and have the right to carry out banking operations in the order provided by point 9 of this Article.

9. During the transition period after termination of the license, a legal entity that was previously a subsidiary bank shall have the right to carry out the following types of banking operations without a license of the authorized body:

1) transfer operations related to payments and money transfers made by the parent bank, including the use of the correspondent account of a subsidiary bank, on depositors' bank accounts, transferred to the parent bank;

2) opening and maintaining a correspondent account of the parent bank;

3) accepting deposits, opening and maintaining bank accounts of the national management holding, an organization specializing in improving the quality of credit portfolios of second-tier banks;

4) borrowing operations on the rights (claims), transferred to it and remained at it, established by contracts of a bank loan according to paragraph 8 of this Article.

10. The provisions of paragraphs 1, 3, 4, 5 and 6 of this Article shall apply to transaction on simultaneous transfer of assets and liabilities by a subsidiary bank that has previously performed the transaction, provided by this Article to a parent bank.

Footnote. Chapter 7-1 is supplemented by Article 61-4 in accordance with the Law of the Republic of Kazakhstan 27.04.2015 No. 311-V (shall be enforced from 01.01.2015); as amended by the Law of the Republic of Kazakhstan dated 27.02.2017 No. 49-IV (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 61-5. Ensuring continuity of banking services

1. The bank or organization carrying out certain types of banking operations, shall ensure the work of a reserve center for information systems of the bank or organization carrying out certain types of banking operations, reserve communication channels to restore the activity of information system.

2. The bank or organization carrying out certain types of banking operations shall inform the clients about the planned introduction into operation of changes (updates) made to the hardware, software and other means that ensure operation of information system and affect availability of banking services to the clients in the manner and terms, established by internal rules of the bank or organization carrying out certain types of banking operations, or by a contract.

3. The bank or organization carrying out certain types of banking operations shall ensure a guaranteed level of continuity of services to the clients, which is established by internal rules of the bank or organization carrying out certain types of banking operations, and shall be subject to mandatory placement on the Internet resource of the bank or organization carrying out certain types of banking operations.

4. The requirements for security and continuity of information systems of banks and organizations carrying out certain types of banking operations shall be established by the authorized body.

5. In order to counteract the threats to information security, implement preventive measures and prevent threats to information security, a bank or an organization carrying out certain types of banking operations shall ensure availability of information security management system, which provides:

1) monitoring of information security activities and measures to identify and analyze threats, counteract attacks and investigate information security incidents;

2) collection, consolidation and storage of information about information security incidents, including information about violations, failures in information systems;

3) analysis of information about information security incidents, including information about violations, failures in information systems;

4) other requirements for information security, established by the regulatory legal act of the authorized body.

6. Banks shall provide information on availability of information security management systems and on compliance with the requirements for ensuring information security to the National coordination center for information security in the manner and terms determined by the regulatory legal act of the authorized body in agreement with the authorized body in the sphere of information security.

7. Banks and organizations carrying out certain types of banking operations shall ensure information security and provide information about information security incidents, including information about violations, failures in information system to the authorized body.

The requirements for ensuring information security of banks and organizations carrying out certain types of banking operations, the procedure and terms of providing information about information security incidents, including information about violations, failures in information systems, shall be determined by the regulatory legal act of the authorized body.

8. The authorized body in case of taking decision on the materiality of an information security incident, including information about violations, failures in information systems, in the presence of a threat to the stability of financial and (or) payment system of the Republic of Kazakhstan shall have the right to send information, including bank secrecy, to the National coordination center for information security.

Footnote. Chapter 7-1 is supplemented by Article 61-5 in accordance with the Law of the Republic of Kazakhstan dated 24.11.2015 No. 422-V(shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 28.12.2017 No. 128-VI (shall be enforced upon expiry of ten calendar days after its first official publication).

Chapter 7-2. Measures for ensuring financial stability and settlement of insolvent banks

Footnote. It is supplemented by chapter 7-2 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 61-6. Classification of the bank into the category of banks with unstable financial situation, creating a threat to the interests of its depositors and creditors and (or) a threat to the stability of the financial system

1. The authorized body shall classify the bank as a bank with unstable financial situation, creating a threat to the interests of its depositors and creditors and (or) a threat to the stability of the financial system (hereinafter – the bank with an unstable financial situation), in the presence of any of the following signs:

1) a decrease in the values of the adequacy ratios of equity capital and its size to the level below the minimum values established by the authorized body;

2) non-performance by the bank of monetary obligations and other claims of creditors of monetary character on obligations in connection with absence or insufficiency of money at the bank;

3) identification by the authorized body of facts (transactions), the reliable reflection of which in financial and other reporting of the bank will lead to violation by the bank of its own capital adequacy ratios and (or) non-performance of monetary obligations and other claims of creditors of monetary nature;

4) identification by the authorized body within the framework of carrying out functions on control and supervision of deficiencies and (or) risks in the activities of the bank, which may lead to creation of situation that threatens the stable functioning of the bank, and (or) interests of its depositors and (or) creditors, and (or) stability of the financial system.

For the purposes of applying subparagraphs 1) and 3) of the first part of this paragraph to branches of non-resident banks of the Republic of Kazakhstan, the equity capital adequacy ratio shall be understood to mean the adequacy ratio of assets accepted as a reserve under the financial statements of a branch of a non-resident bank of the Republic of Kazakhstan means reporting according to the accounting data of a branch of a non-resident bank of the Republic of Kazakhstan.

2. The decision of the authorized body to classify a bank as a bank with an unstable financial position shall be brought to the attention of the bank, the National Bank of the Republic of Kazakhstan and the organization that carries out obligatory guaranteeing of deposits within five working days from the date of its adoption and is not subject to distribution by the specified persons.

3. The authorized body in case of classifying the bank to the category of banks with an unstable financial situation, in addition to the supervisory response measures, provided by Article 45-1 of this Law, shall have the right to conduct an assessment (analysis) of financial and property status of the bank with its visit, including with involvement of appraisers, audit and other organizations.

From the date specified in the decision of the authorized body on classifying the bank as a bank with an unstable financial position:

1) the bank shall not be entitled to make decisions, as well as to execute earlier decisions on the distribution of profits, the payment of dividends, the fulfillment of any financial obligations to major participants and (or) bank holdings, as well as the payment of remuneration to the executive employees of the bank, except for the salary and cases established by law Republic of Kazakhstan;

2) shareholders who do not have the status of a major participant and (or) a bank holding company obtained in accordance with this Law shall not be entitled to participate in voting at the general meeting of shareholders of the bank. To hold a general meeting of shareholders of a bank classified as a bank with an unstable financial position, the quorum shall be met with the participation at the general meeting of shareholders of all shareholders (representatives of shareholders) having the status of a major participant in the bank or bank holding.

4. A bank classified to the category of banks with an unstable financial situation, and its major participants, a bank holding company shall be obliged to take measures on improving financial status of the bank, minimizing risks by bringing its activities in accordance with the legislation of the Republic of Kazakhstan and the requirements of the authorized body. A non-resident bank of the Republic of Kazakhstan, whose branch is classified as a branch of non-resident banks of the Republic of Kazakhstan with an unstable financial position, shall be obliged to take measures to improve the financial condition of a branch of a non-resident bank of the Republic of Kazakhstan, including an increase in the amount of assets accepted as a reserve, provided for in part two of paragraph 6 of Article 42 of this Law, minimizing risks by bringing its activities in line with the legislation of the Republic of Kazakhstan and the requirements of the authorized body.

If the measures taken by the non-resident bank of the Republic of Kazakhstan, specified in part one of this paragraph, are insufficient, the non-resident bank of the Republic of Kazakhstan shall fulfill the obligations not fulfilled and (or) improperly fulfilled by the branch of a non-resident bank of the Republic of Kazakhstan in in accordance with a written commitment previously submitted to the authorized body in accordance with subparagraph 12) of paragraph 2 of Article 13-1 of this Law, within the time limits established by the authorized body.

The measures, specified in part one of this paragraph, and the terms of their implementation for each paragraph, as well as responsible officials shall be determined in the plan of measures on improving financial situation, developed and submitted by the bank to the authorized body for approval. An action plan to improve the financial situation must be agreed with a major participant in the bank, a bank holding company, a non-resident bank of the Republic of Kazakhstan.

Terms of implementation of measures, specified in part one of this paragraph, and being of the bank in the category of banks with unstable financial situation shall not exceed twelve months and may be extended once by the authorized body for a period of not more than twelve months if there are facts of improvement in financial status of the bank after classifying it to the category of banks with an unstable financial situation.

If the authorized body approves the plan of measures on improving financial situation, the persons, specified in part one of this paragraph shall start its implementation, notifying the authorized body of the results of its execution within the terms, established by the plan.

In case of non-submission of the plan of measures on improving financial situation within the established term, its disapproval by the authorized body or non-execution, the authorized body shall apply to the bank with an unstable financial situation, its major participants, a bank holding one or more supervisory response measures provided by Article 45-1 of this Law.

The procedure and terms of submission of the plan of measures on improving financial situation and its approval by the authorized body, as well as the requirements for its content shall be established by the regulatory legal act of the authorized body.

5. The authorized body shall, within the term, established in paragraph 4 of this Article, exclude the bank from the category of banks with unstable financial situation in case of elimination of the signs, specified in paragraph 1 of this Article.

Footnote. Article 61-6 as amended by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 61-7. Classification of the bank to the category of insolvent banks

1. The authorized body shall classify the bank to the category of insolvent banks in case of non-elimination by the bank of signs of unstable financial situation of the bank after expiration of the term, specified in paragraph 4 of Article 61-6 of this Law.

2. The authorized body shall have the right to make a decision to classify a bank to the category of insolvent banks before the term, established by paragraph 4 of Article 61-6 of this Law on the following grounds:

1) performance by the bank, after classifying it to the category of banks with an unstable financial situation, of operations (transactions) that lead to further deterioration of financial status of the bank, including:

conclusion of transactions by the bank, as a result of which there is a significant deterioration in the quality of the bank's assets, including sale, replacement of assets, collateral for the worse for the bank and if the consequences of the replacement led (will lead) to losses of the bank;

conclusion by the bank of transactions on non-market conditions the list of which is established by the regulatory legal act of the authorized body, in which the bank incurs losses, as well as transactions with the persons, related with the bank by special relations, in violation of the requirements of Article 40 of this Law and (or) the restrictions, established by the authorized body, by applying supervisory response measures;

acceptance by the bank of obligations, which have entailed impossibility of performance by the bank of monetary obligations to other depositors and (or) other creditors in full or in part;

transfer of property (including for temporary use) free of charge or at a price significantly different for the worse for the bank from the price of similar property under comparable economic conditions, or without any reasons to the detriment of the interests of creditors;

2) violation of the bank's equity capital adequacy ratios in the form of their reduction to a level below one-third of the regulatory values, established by the regulatory legal act of the authorized body;

3) non-fulfillment by the bank within ten working days of monetary obligations and other claims of monetary nature to the depositors and creditors in connection of absence or insufficiency of money;

4) systematic (three or more times within twelve consecutive calendar months) improper performance of contractual obligations on payment and transfer operations;

5) non-performance by the bank of measures on improvement of financial status and (or) minimizing risks, provided by Article 46 of this Law.

3. The authorized body shall exclude the bank from the category of insolvent banks if, as a result of the taken measures on settlement, provided by Article 61-8 of this Law, the bank has eliminated the grounds for classifying it to the category of insolvent banks, specified in paragraph 2 of this Article and the equity capital adequacy ratios are observed.

4. For the purposes of applying subparagraph 2) of paragraph 2 и of paragraph 3 of this Article to branches of non-resident banks of the Republic of Kazakhstan, the equity capital adequacy ratio shall be understood to mean the adequacy ratio of assets taken as a reserve.

Footnote. Article 61-7 as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 61-8. Measures for settlement of an insolvent bank

1. The settlement of an insolvent bank means adoption of measures, provided by this Article and aimed at improving the financial situation and (or) termination of the bank's activities.

The authorized body shall apply one or more measures on settlement of an insolvent bank, provided by this Article.

2. The measures on settlement of an insolvent bank, provided by paragraph 4 of this Article shall be applied in order to:

1) ensuring continuity of carrying out banking operations;

2) preventing occurrence and spread of systemic risks of the financial system;

3) minimization of expenses of the state budget for settlement of insolvent bank;

4) ensuring protection of rights and interests of depositors and creditors.

3. Application of measures on settlement of an insolvent bank shall be based on the following principles:

1) observance of the rights and interests of depositors and creditors of an insolvent bank in accordance with the priority of satisfaction of claims, provided by Article 74-2 of this Law;

2) equal observance of the rights and interests of depositors and creditors, being in the same queue of satisfaction of claims provided by Article 74-2 of this Law;

3) inadmissibility of deterioration of position of depositors and creditors of an insolvent bank in connection with application to it of measures on settlement of insolvent bank in comparison with position in case of compulsory liquidation of an insolvent bank;

4) choice of the least costly measure on settlement of an insolvent bank, provided by paragraph 4 of this Article.

4. The authorized body shall apply in case of classification of the bank to the category of insolvent banks one or more of the following measures to an insolvent bank:

1) forced restructuring of liabilities of an insolvent bank;

2) transfer of all or part of the assets and liabilities of an insolvent bank to another bank (other banks);

3) creation of a stabilization bank and transfer of all or part of the assets and liabilities of an insolvent bank to this stabilization bank;

4) deprivation of the license for carrying out all banking and other operations with the subsequent forced y liquidation of an insolvent bank.

The authorized body in the event of classifying of a branch of a non-resident bank of the Republic of Kazakhstan as insolvent branches of non-resident banks of the Republic of Kazakhstan shall revoke its it license to conduct all banking and other operations with subsequent forced termination of the insolvent of a branch of a non-resident bank of the Republic of Kazakhstan.

5. State participation in the settlement of an insolvent bank shall be carried out provided that:

1) an insolvent bank is a bank which forced liquidation carries systemic risks of the financial system;

2) provision of state support to an insolvent bank will allow to effectively apply the measures on settlement of an insolvent bank, provided by subparagraphs 1), 2) and 3) of paragraph 4 of this Article.

6. State participation in the settlement of an insolvent bank shall be carried out after covering losses at the expense of:

1) equity capital of an insolvent bank;

2) liabilities of an insolvent bank to creditors, who are the persons related with the insolvent bank by special relations, by forced restructuring of liabilities of the insolvent bank.

6-1. Questions about taking measures to settle an insolvent bank, the compulsory liquidation of which carries systemic risks of the financial system, as well as about state participation in the settlement of such a bank, are preliminarily submitted by the authorized body for consideration by the Financial Stability Council of the Republic of Kazakhstan, created by the President of the Republic of Kazakhstan.

7. Application of measures on settlement of an insolvent bank should be preceded by an assessment (analysis) of the financial and property status of the bank with its visit, including with involvement of appraisers, audit and other organizations.

8. The authorized body shall take measures on settlement of an insolvent bank without obtaining the consent of shareholders, depositors and creditors, debtors of the insolvent bank and other interested persons.

In order to notify the depositors and creditors, debtors of an insolvent bank, as well as other interested parties, the announcement on application of measures on settlement of an insolvent bank shall be published in the Kazakh and Russian languages in periodicals, distributed throughout the territory of the Republic of Kazakhstan, as well as by the authorized body and insolvent bank - on their Internet resources.

Footnote. Article 61-8 as amended by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 61-9. Consequences of classifying a bank to the category of an insolvent banks and applying measures on settlement of an insolvent bank

1. In order to implement the measures on settlement of an insolvent bank, the authorized body shall have the right to introduce a conservation regime of a bank and appoint a temporary administration for management of the bank (temporary bank manager) in the manner, provided by Articles 62-67 of this Law.

2. During the conservation period, the authorized body shall have the right to impose a moratorium on satisfaction of claims of depositors and creditors, during the validity period of which:

1) the accrual of a forfeit (fines, penalties) on all obligations of an insolvent bank shall be terminated and other measures of liability for non-performance or improper performance of monetary obligations and other monetary requirements on the obligations of an insolvent bank shall not be applied;

2) all operations on bank accounts of clients and the insolvent bank itself shall be terminated, except for cases related to:

expenses, provided by regulatory legal acts of the authorized body;

by crediting money, received in favor of an insolvent bank;

return of money, received on closed accounts of persons who were previously the clients of an insolvent bank;

payments to individuals to whom the insolvent bank is liable for causing harm to life or health;

calculation of wages and compensation to the persons, who worked under an employment contract, arrears on social contributions to the State social insurance fund, payment of alimony withheld from wages and mandatory pension contributions, payment of mandatory professional pension contributions, as well as remuneration under author's contracts;

payment by clients of insolvent bank of taxes, fees and other obligatory payments to the budget;

conducting operation provided by Articles 61-11 and 61-12 of this Law;

expenses in connection with recognition of transactions of an insolvent bank invalid in accordance with Article 61-13 of this Law;

3) execution of claims for recovery of money from bank accounts of an insolvent bank shall be suspended according to requirements of creditors, including those subject to satisfaction in an indisputable manner, as well as foreclosure on the property of an insolvent bank;

4) execution of executive documents on recovery of debts from an insolvent bank shall be suspended, except for executive documents issued before the date of introduction of the moratorium.

3. Application of measures on settlement of an insolvent bank, provided by this Law may not be the basis for:

1) early execution or termination of obligations of an insolvent bank;

2) implementation of contracts conditions and (or) prospectus of securities for early execution by the insolvent bank of obligations to the depositors and creditors in case of bankruptcy of this bank or upon occurrence of another event that might be qualified as an event equivalent to bankruptcy of the bank;

3) recovery by creditors of the mortgaged property of an insolvent bank on the obligations secured by the pledge.

Article 61-10. Forced restructuring of liabilities of an insolvent bank

1. The authorized body shall make a decision on forced restructuring of liabilities of an insolvent bank.

Forced restructuring of liabilities of an insolvent bank shall be a set of measures on improvement of financial situation of an insolvent bank by applying to it of one or more measures on:

1) writing-off in full or in part of the liabilities of the insolvent bank;

2) conversion of securities and other monetary liabilities of an insolvent bank into its ordinary shares, including an increase in the number of declared ordinary shares of an insolvent bank in the amount, determined by the authorized body, to eliminate the grounds for classifying the bank to the category of insolvent banks, specified in paragraph 2 of Article 61-7 of this Law, and compliance with equity capital adequacy ratios;

3) change of terms and (or) interest rates on obligations of an insolvent bank, including temporary suspension of execution of payments on the service of obligation.

2. Forced restructuring of obligations of an insolvent bank shall be carried out in the order of the reverse priority of satisfaction of creditors' claims, established by Article 74-2 of this Law.

3. Forced restructuring shall not be subject to:

1) liabilities of an insolvent bank to the persons, whose claims are not included in the liquidation bankruptcy estate in accordance with Article 74-1оf this Law;

2) liabilities of an insolvent bank, which are subject to satisfaction in case of forced liquidation in the first, second, third, fourth, fifth, and seventh stages in accordance with Article 74-2 of this Law, as well as the liabilities of an insolvent bank to individuals on deposits in the amount of the guarantee compensation subject to payment by the organization, carrying out obligatory guaranteeing of deposits in case of its forced liquidation.

4. When converting securities and other monetary liabilities of an insolvent bank into its common shares:

1) a resolution of the general meeting of shareholders of an insolvent bank on an additional issue of shares of an insolvent bank shall not be required;

2) the shareholders of an insolvent bank shall not have the right to pre-emptive purchase of shares of an insolvent bank;

3) the requirements of paragraph 2 of Article 16, paragraphs 2 and 5 of Article 17 and Article 17-1 of this Law shall not be applied.

5. The procedure for compulsory restructuring of liabilities of an insolvent bank shall be determined by a regulatory legal act of the authorized body.

Article 61-11. Operation on simultaneous transfer of assets and liabilities of an insolvent bank to another bank (other banks)

1. According to the decision of the authorized body, an operation on simultaneous transfer of assets and liabilities of an insolvent bank to another bank (other banks) (hereinafter – the bank-acquirer) provided in this Article, shall be carried out by temporary administration for managing a bank (temporary manager of the bank) at the stage of conservation.

2. In conducting an operation, specified in paragraph 1 of this Article, the liabilities of an insolvent bank shall be transferred to the bank-acquirer in compliance with the priority of satisfaction of creditors' claims provided by Article 74-2 of this Law.

3. In conducting operation, specified in paragraph 1 of this Article, the bank-acquirer may be transferred all or part of the assets and all or part of liabilities of an insolvent bank, except for the case, specified in part two of this paragraph.

In case of insufficiency of assets of an insolvent bank at transfer to bank-acquirer of liabilities to the creditors of one priority, these liabilities shall be transferred in proportion to the sums of claims of the creditors which are subject to satisfaction.

The liabilities of an insolvent bank on the guaranteed deposits of individuals must be transferred to the bank-acquirer in full.

If the size of the liabilities on the guaranteed deposits, transferred to the bank-acquirer exceeds the size of the property of an insolvent bank, the organization carrying out obligatory guarantee of deposits shall be obliged to make up the difference at the expense of the special reserve.

The amount of funds, transferred by the organization carrying out obligatory guarantee of deposits, in accordance with part four of this paragraph, shall not exceed the amount subject to payment as a guarantee compensation, determined in accordance with the legislation of the Republic of Kazakhstan on obligatory guarantee of deposits.

4. The procedure for carrying out by the temporary administration for the management of the bank (temporary manager of the bank) of transfer of assets and liabilities of an insolvent bank to the bank-acquirer shall be determined by the regulatory legal act of the authorized body.

5. Conducting of operation, specified in paragraph 1 of this Article does not require:

1) the consent of shareholders, depositors and creditors, debtors of an insolvent bank, as well as other interested persons (including pledgors, guarantors, sureties). Thus the identity of a new creditor shall be recognized not having essential value for the debtor;

2) introduction of amendments to the contracts, concluded by an insolvent bank with the depositors and creditors, debtors of an insolvent bank, as well as other persons (including pledgors, guarantors, sureties), in terms of specifying a new party to the contract;

3) conclusion of new bank account contracts by the bank-acquirer with the depositors of an insolvent bank. In this case, the bank-acquirer shall be obliged to notify the depositors about changes in individual identification codes.

6. Collection and processing of personal data of clients of an insolvent bank, rights (claims) and liabilities under which are transferred during the operation, specified in paragraph 1 of this Article, shall be carried out by the bank-acquirer without the consent of the subjects of personal data or their legal representatives.

7. In order to notify the depositors and creditors, debtors of an insolvent bank, as well as other interested parties, the temporary administration for management of the bank (temporary bank manager) shall publish an announcement on the transfer of assets and liabilities of an insolvent bank to the bank-acquirer in the Kazakh and Russian languages in periodicals, distributed throughout the territory of the Republic of Kazakhstan, as well as by the authorized body, an insolvent bank and the bank-acquirer - on their Internet-resources.

8. Transfer to the bank-acquirer of assets in the form of shares or participation stakes in the authorized capital of legal entities, branches and representative offices does not require the bank- acquirer to obtain additional permits, consents or notifications of the authorized body, which are provided by this Law and other laws of the Republic of Kazakhstan.

9. Transfer of liabilities of an insolvent bank to the depositors by the temporary administration for the management of the bank (temporary manager of the bank) to the bank-acquirer shall be carried out in accordance with paragraphs 6, 7 and 8 of Article 61-2 of this Law.

10. Transfer of assets and liabilities of an insolvent bank shall be carried out by concluding a contract on simultaneous transfer of assets and liabilities with attachment of a transfer act to the contract.

The transfer act must contain information about the transferred assets, rights, ensuring the performance of obligations under the transferred assets, and liabilities.

The provisions of the Civil code of the Republic of Kazakhstan on the change of persons in the obligation shall apply to the contract on simultaneous transfer of assets and liabilities.

11. Contract on simultaneous transfer of assets and liabilities (with attachment of the transfer act) shall be provided to the authorized registering body (organization) by the bank-acquirer in order to enter in the legal cadastre, and registry of pledge of movable property, the system of registers of holders of securities of information about a new creditor, being at the same time a pledge holder, to whom the rights ensuring fulfillment of obligations under the transferred assets have been transferred.

The assignment of rights (claims) on the grounds and in the manner, determined by this Article shall also be the basis for the transfer to a new creditor, who is at the same time the pledge holder, of rights to property, in respect of which there are encumbrances, arrests, other restrictions registered by third parties or state bodies in the disposal of property.

12. After the transfer of liabilities of an insolvent bank before the depositors and creditors to the bank-acquirer, the liabilities before such depositors and creditors shall be carried out by the bank-acquirer.

13. After conclusion of the contract on simultaneous transfer of assets and liabilities of an insolvent bank to the bank-acquirer:

1) shareholders, depositors and creditors of an insolvent bank whose assets and liabilities have been transferred shall not have the right to demand from the bank-acquirer compensation for any losses incurred as a result of the transfer of its assets and liabilities in favor of the bank-acquirer;

2) the assets and liabilities transferred to the bank-acquirer may not be claimed in favor of the insolvent bank.

14. Temporary administration for bank management (temporary bank manager) after the completion of the transfer of assets and liabilities of an insolvent bank to the bank-acquirer shall submit to the authorized body the proposal on deprivation of license of the insolvent bank to conduct all banking and other operations and compulsory liquidation of the insolvent bank.

15. The features of conducting operation on simultaneous transfer of assets and liabilities of an insolvent bank to a stabilization Bank shall be established by Article 61-12 of this Law.

16. The provisions of paragraphs 2-8, 10-13 of this Article shall apply to the cases of simultaneous transfer of assets and liabilities of a bank deprived of a license to conduct all banking and other operations by the temporary administration (temporary administrator) of the bank prior to the entry into force of the court decision on forced liquidation.

When the temporary administration (temporary administrator) of the bank conducts an operation on simultaneous transfer of assets and liabilities of a bank, deprived of a license to conduct all banking and other operations before entry into force of the court decision on compulsory liquidation of the bank, the bank-acquirer shall assign individual identification codes to the depositors' bank accounts without concluding a new bank account contract with notification of depositors and shall perform the requirements, provided by paragraph 8 of Article 61-2 of this Law, including the orders of the authorized state bodies, having the right to suspend expenditure operations on the bank account, decisions (resolutions) of the authorized bodies or officials having the right to seize the client's money presented to the bank accounts of the depositors, in the manner provided by paragraph 8 of Article 61-2 of this Law.

Article 61-12. Features of conducting operation on simultaneous transfer of assets and liabilities of an insolvent bank to the stabilization bank

1. The temporary administration for management of the bank (temporary bank manager) shall submit to the authorized body a proposal on conducting an operation on the transfer of assets and liabilities of an insolvent bank to the stabilization bank.

The authorized body for the purpose of conducting operation on simultaneous transfer of assets and liabilities of an insolvent bank to the stabilization bank shall make the decision on creation of stabilization bank and instruct temporary administration of the bank (temporary manager of the bank) carrying out operation on transfer of the specified assets and liabilities to the stabilization bank.

The conditions and procedure of conducting operation for the transfer of assets and liabilities of an insolvent bank to the stabilization bank shall be determined by a regulatory legal act of the authorized body.

2. The requirements for creation and regulation of activity of the banks, provided by Articles 13, 14, 16, 17-1, 19, 20, 23, 24, 25, 27, 28, paragraphs 6 and 7 of Article 29, paragraphs 5 and 13 of Article 30, Articles 31, 32 and 42 of this Law, as well as the provisions of Articles 33-74 of the Law of the Republic of Kazakhstan "On Joint Stock Companies" shall not apply to the stabilization bank.

The procedure for creation, the minimum size and procedure for formation of the authorized and equity capital of the stabilization bank, the procedure for management of stabilization bank, the procedure for conclusion of transactions in respect of commission of which special conditions has been established, the procedure for registration of issuance of announced shares and annulment of announced shares of the stabilization bank, as well as the procedure for obtaining by the stabilization bank of a license to conduct banking and other operations provided by this Law, shall be established by regulatory legal acts of the authorized body.

3. The stabilization bank shall have the right to carry out banking and other operations provided by this Law on the basis of the license of the authorized body.

The stabilization bank shall not have the right to carry out the activity, permitted for the banks by Article 8 of this Law, except for acquisition of shares or stakes in the authorized capital оf legal entities, when the shares or stakes in the authorized capital of these organizations taken as collateral become the property of the bank in accordance with the civil legislation of the Republic of Kazakhstan and the legislation of a foreign state.

4. After the transfer of assets and liabilities to the stabilization bank, the fulfillment of obligations to individuals and legal entities, with the exception of obligations to accrue interest, is suspended for a period of twelve months. Obligations, the due date for which has come, including obligations on term deposits of individuals and legal entities, obligations to the Government of the Republic of Kazakhstan and the National Bank of the Republic of Kazakhstan, as well as obligations to second-tier banks secured by assets transferred to the stabilization bank, are subject to execution by the stabilization bank. The Stabilization Bank fulfills its obligations on current accounts of individuals and legal entities.

5. Prior to the entry into force of the court decision on forced liquidation of an insolvent bank, the stabilization bank, in agreement with the authorized body, shall have the right to exchange the asset previously transferred to it for another asset of the insolvent bank.

6. The stabilization bank shall transfer the assets and liabilities to another bank, determined by the authorized body in accordance with the procedure established by the regulatory legal act of the authorized body.

The transfer of obligations of the stabilization bank in the manner, provided by this Article shall be carried out without the consent of depositors and creditors of the stabilization bank. In order to notify the depositors and creditors, the stabilization bank shall publish an announcement on the transfer of assets and liabilities of the stabilization bank to the bank-acquirer in periodicals distributed throughout the Republic of Kazakhstan, in the Kazakh and Russian languages.

7. By the decision of the authorized body, the stabilization bank shall cease its activity after the full transfer of the assets and liabilities to the bank- acquirer in the manner and under the conditions, provided by the authorized body.

8. By the decision of the authorized body, all shares of the stabilization bank can be sold to the investor on the conditions, guaranteeing an increase in the capital of the stabilization bank and its functioning in accordance with the requirements of the legislation of the Republic of Kazakhstan.

The acquisition of shares of the stabilization bank by the investor shall be carried out in the procedure and conditions, provided by the legislation of the Republic of Kazakhstan.

Since the acquisition by the investor of shares of the stabilization bank, the bank shall lose the status of the stabilization bank and carry out its activity in compliance with the requirements of the legislation of the Republic of Kazakhstan. Regulation, control and supervision of activity of this bank shall be carried out in accordance with the requirements of this Law and other laws of the Republic of Kazakhstan.

9. The provisions of paragraphs 2, 3, 5-16 of Article 61-11 of this Law shall apply to the cases of conducting simultaneous transfer of assets and liabilities of an insolvent bank to a stabilization bank.

Footnote. Article 61-12 as amended by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Article 61-13. Recognition of transactions of the insolvent bank as invalid and return of property

1. The authorized body, the temporary administration for bank management (temporary bank manager) (in case of its appointment by the authorized body) and (or) the bank, including at the request of creditors, on transactions made by an insolvent bank or a person authorized by it within three years prior to the date of classification of the bank to the category of insolvent banks, shall have the right to apply to the court for recognition of transactions as invalid if there are grounds for invalidity of transactions provided by the civil legislation of the Republic of Kazakhstan and this Article.

2. The grounds for invalidity of transactions, except as provided by the Civil code of the Republic of Kazakhstan, shall be:

1) the conditions of transaction differ significantly to the worse for the insolvent bank from the conditions under which the similar transactions are made in comparable circumstances, if the consequences of transaction led (will lead) to losses of an insolvent bank;

2) the transaction is made in violation of the requirements and (or) restrictions established by the legislation of the Republic of Kazakhstan and (or) supervisory response measures applied by the authorized body, if the consequences of transaction led (will lead) to losses of an insolvent bank;

3) the property is transferred (including for temporary use) free of charge or alienated on the conditions significantly different to the worse for the insolvent bank from the conditions of transfer (alienation) of similar property under comparable economic conditions, or without the grounds to detriment of the interests of creditors;

4) a transaction made within six months prior to the classification of the bank to the category of insolvent banks resulted in the preferred satisfaction of the claims of some creditors of the insolvent bank before others;

5) the conditions of the pledge contract have been amended, providing the change of the collateral subject to the worst side for the insolvent bank, if the consequences of the entered changes have led (will lead) to losses of the insolvent bank.

3. If the transaction is declared invalid, the defendant shall be obliged to return all received under the transaction, if it is impossible to return in kind - to reimburse the cost of the property to be returned, works performed or services rendered.

In case of impossibility to return the property or at gratuitous transfer of property in connection with its loss, damage or its subsequent bona fide acquisition by the third parties initial purchasers of the claimed property shall bear responsibility on compensation of the losses which have arisen in connection with it within cost of the lost, spoiled or bona fide acquired by the third parties of property.

If it is impossible to recover the cost of the property by the initial purchasers, the person who made the decision to alienate the property of the insolvent bank shall be brought to subsidiary liability in the court.

4. In a case initiated at the request of the authorized body or temporary administration for management of the bank (temporary manager of the bank), after exclusion of the bank from the category of insolvent banks, the bank or temporary administration (temporary administrator) of the bank shall be recognized as the plaintiff, until the court decision on forced liquidation of the bank comes into force.

5. The provisions of paragraph 2 of this article shall not apply to the transaction(s) under the master financial agreement, except for cases as follows:

1) the transaction (transactions) within the framework of the general financial agreement is (are) made after the initiation of the case on the forced liquidation of the bank or within one month before the date of the initiation of the case on the forced liquidation of the bank;

2) the transaction (transactions) within the framework of the general financial agreement is (are) completed within one month before the date of revocation of the license of the bank to conduct banking operations;

3) the transaction (transactions) within the framework of the general financial agreement was (are) made within six months before the date of initiation of a case on the forced liquidation of the bank with a person associated with the bank by special relations, or in his interests;

4) the transaction (transactions) under the master financial agreement was (are) made within six months before the date of initiation of a case on the forced liquidation of the bank or the date of deprivation of the license of the bank to conduct banking operations with a person who knew (or should have known) about the signs of an unstable financial situation of the bank;

5) the transaction (transactions) under the master financial agreement has a change of parties (except for the change of parties as a result of universal succession) in one of the following cases:

after the initiation of a case on the forced liquidation of the bank or within one month before the date of initiation of the case on the forced liquidation of the bank;

within one month before the date of revocation of the license the bank to conduct banking operations;

within six months before the date of initiation of a case on the forced liquidation of the bank with a person related to the bank by special relations;

within six months before the date of initiation of a case on the forced liquidation of the bank or the date of deprivation of the license of the bank to conduct banking operations with a person who knew (or should have known) about the signs of the bank's unstable financial position.

6. The invalidity of one or more transactions under the master financial agreement shall not entail the invalidity of the master financial agreement itself and other transactions under the master financial agreement, if there are no grounds for invalidating the master financial agreement and other transactions.

If one or several transactions within the framework of the master financial agreement are recognized as invalid after the determination of the net obligation (net claim), the net liability (net claim) shall be subject to recalculation by the party to the transaction by which the net liability (net claim) was determined, by eliminating from it the results of a transaction or transactions declared invalid.

Footnote. Article 61-13 amended by the Law of the Republic of Kazakhstan dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Chapter 8. Conservation of a bank and bank holding company

Footnote. The title as amended by the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.)

Article 62. The definition of bank conservation

1. A bank may be subject to conservation if it is classified to the category of insolvent banks and application to it of the settlement measures provided by Article 61-8 of this Law.

Conservation shall represent a special regime of management and activity of an insolvent bank, forcibly introduced by the authorized body to establish control over the insolvent bank in implementation of measures for settlement of the insolvent bank.

2. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

3. Imposition of the conservation regime shall entail the appointment of a temporary administration of a bank or a temporary administrator of a bank by the authorized body for a limited (up to one year) term.

4. Conservation of a bank shall be performed at the expense of the bank itself.

5. is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

6. The order of appliance (imposition) of the conservation regime of the second tier banks shall be defined by the regulatory legal act of the authorized body.

Footnote. Article 62 as amended by the Decree of the President of the Republic of Kazakhstan having the force of the Law dated 27.01.1996 No 2830, the Laws of the Republic of Kazakhstan dated 11.07.1997 No 154; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 13.02.2009 No 135 -IV (the order of enforcement see Art. 3); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.) dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 63. Temporary administration for a bank management (temporary bank administrator)

1. The temporary administration (temporary manager of the bank) shall be appointed by the authorized body from among its employees, representatives of the organization, carrying out obligatory guarantee of deposits, or other persons complying with the minimum requirements, established by paragraph 3 of Article 20 of this Law.

2. The rights and obligations, and the terms of remuneration of the head and members of the temporary administration (temporary bank administrator) shall be established by a separate agreement, concluded between the authorized body and the temporary administration (temporary bank administrator).

3. The temporary administration (temporary bank administrator) shall be governed by this Law, the regulatory legal acts of the authorized body and other Laws of the Republic of Kazakhstan.

4. The authorized body shall be entitled at any time to replace the members of the temporary administration (temporary bank administrator).

5. For the damage caused to the bank, the head and members of the temporary administration (temporary administrator) shall bear responsibility, established by the acting legislation. Imposition of responsibility to the head and members of the temporary administration (temporary bank administrator) for any damage that may be classified as normal business risks shall not be permitted.

Footnote. Article 63 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004); dated 23 December, 2005 No 107 (the order of enforcement See Art.2 of the Law No 107); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016).

Article 64. A decision on bank conservation

1. The decision of the authorized body on the bank conservation shall contain:

a) the name of the bank and its location;

b) the ground for the decision on the bank’s conservation;

c) the commence and duration of the conservation;

d) the list of restrictions imposed on the bank’s activities;

e) the members of the temporary administration or the surname, name and patronymic of the temporary administrator;

f) the instructions for the executives of the bank, that is under the conservation, on drawing up of a report on their activities, the income statement, the information about the presence and the amount of the property and submission of these documents to the temporary administration (temporary bank administrator);

g) recommendations to the temporary administration (temporary bank administrator).

2. The decision on conducting bank conservation shall be published by the authorized body in two periodicals that are circulating throughout the Republic of Kazakhstan.

Footnote. Article 64 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Article 65. Consequences of introduction of the bank conservation regime. Powers of temporary administration for management the bank (temporary bank manager)

Footnote. The title of Article 65 is in the wording of the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

1. From the commencement of conservation and for its duration:

a) the rights of the shareholders of the bank for the use and disposal of the shares issued by a given bank shall be suspended;

b) the powers of the bank’s bodies shall be suspended and its executives shall be suspended from work;

c) all powers of bodies of the bank, and also the rights of shareholders of the bank on the use of shares, which issuer is this bank, shall be transferred to temporary administration (temporary manager);

d) all of the transactions, made on behalf of and at the expense of the bank without the knowledge and a written consent of the temporary administration (temporary bank administrator) shall be recognized invalid.

2. The temporary administration (temporary bank administrator) shall have the right:

a) to make decisions on the bank’s activities in accordance with the requirements of Article 66 of this Law;

b) if necessary, completely or partially suspend the obligations of the bank before the depositors and other creditors for the period of conservation;

c) if necessary to terminate the contracts, concluded with the bank, providing investment of the bank’s funds or amend them unilaterally, including the changing of rates, fees and the duration;

d) to sign all agreements and documents on behalf of the bank;

e) to make the claims on behalf of and in the interests of the bank;

f) to issue orders, including the orders of dismissal, down-grading or suspension from office, distribution of responsibilities among the employees of the bank;

g) to perform the offset of mutual claims due to the confusion of debts;

h) transfer the assets and liabilities of the bank to another (other) bank (s) or the stabilization bank in accordance with Articles 61-11 and 61-12 of this Law;

i) to perform activities provided for in Article 8 of this Law;

j) carry out other activity related to implementation of measures on settlement of an insolvent bank, specified in Article 61-8 of this Law.

It shall be prohibited to offset the mutual claims with the creditors whose claims against the bank, which is under the conservation, shall arise from the claim assignment agreement (contracts).

Footnote. Article 65as amended by the Laws of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 19 February, 2007, No 230 (the order of enforcement see Article 2); dated 23.10.2008 No 72 -IV (the order of enforcement see Article 2); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08. 2009); dated 28.12.2011 No 524 -IV (the order of enforcement upon expiry of ten calendar days after its first official publication.); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

Article 66. Monitoring the activity of the temporary bank administration (temporary bank administrator)

1. During the bank conservation, the activities of the temporary administration (temporary bank administrator) shall be controlled by the authorized body which is entitled:

a) to make recommendations to the temporary administration (temporary bank administrator) on the main directions of activities during the conservation of the bank (to offer an action plan);

b) to submit written instructions which shall be performed by the temporary administration ( temporary bank administrator);

c) to require submission of any information about its activities and the activities of the bank to the temporary administration (temporary bank administrator);

d) to hear a report of the temporary administration (temporary bank administrator) on the work accomplished;

e) to extend the term of conservation;

f) to make a decision on termination of the bank conservation.

2. The detailed regulation of the activities of the temporary administration (temporary bank administrator) and the principles of its relationship with the third parties shall be determined by the regulatory legal acts of the authorized body.

Footnote. Article 66 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154; dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Article 67. Termination of conservation

1. A bank’s conservation shall be terminated for the following reasons:

a) expiry of the conservation period, specified by the decision of the authorized body;

b) taking of a decision by the authorized body on the early termination of conservation.

2. Termination of the bank’s conservation (including the early termination) in connection with the improvement of its financial condition and the quality of work shall entail abolition of all restrictions, imposed to the bank, established by the authorized body or temporary administration (temporary bank administrator). The amendments and additions, made during the conservation period to the constituent documents, the administration bodies and the composition of the bank’s employees, shall remain in force.

3. If the bank conservation does not lead to improvement of the financial condition and the quality of the work, the authorized body shall be entitled to revoke the license to conduct banking transactions on the grounds, established by the banking legislation of the Republic of Kazakhstan.

Footnote. Article 67 as amended by the Laws of the Republic of Kazakhstan, dated 11 July, 1997 No 154; dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January, 2004); dated 12 January, 2007 No 222 (shall be enforced upon expiry of six months from the date of its official publication); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 67-1. Conservation of a bank holding company which is a parent organization of the bank

1. Conservation of a bank holding company shall be a forced implementation, upon the decision of the authorized body, of a range of administrative, legal, financial, organizational, technical and other measures and procedures in respect of a bank holding company in order to restore its financial condition and improve the quality of the work.

2. A bank holding company that is a resident of the Republic of Kazakhstan may be subjected to the conservation.

A bank holding company may be subjected to the conservation under any of the following reasons:

1) failure to comply with the equity capital adequacy ratio of the banking conglomerate;

2) presence of a negative equity capital for two or more consecutive quarters.

3. Imposition of a conservation regime shall entail the appointment of a temporary administration or a temporary administrator of a bank holding company by the authorized body for a limited (up to one year) term.

4. Conservation of a bank holding company shall be carried out at the expense of the bank holding company itself.

5. The decision of the authorized body on conservation may be appealed by the shareholders (participants) of the banking holding within ten calendar days in the manner prescribed by the laws of the Republic of Kazakhstan. Appeal of the said decision does not suspend the conservation of the banking holding.

6. Requirements of Articles 63, 64, 65, 66 and 67 of this Law shall apply to the bank holding companies to the extent not contradicting the legislation of the Republic of Kazakhstan.

Footnote. Chapter 8 is supplemented by Article 67-1 in accordance with the Law of the Republic of Kazakhstan dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); as amended by the Law of the Republic of Kazakhstan dated 29.06.2020 No. 351-VI (shall come into force from 01.07.2021).

Chapter 9. A liquidation and forced reorganization of banks

Footnote. Chapter 9 is in the wording by the Law of the Republic of Kazakhstan dated 11 July 1997 No 154.

Article 68. The types and grounds for liquidation of banks

1. A bank may be liquidated:

a) under the decision of its shareholders with the permission of the authorized body (voluntary liquidation);

b) under a court decision in the cases, provided by the legislative acts of the Republic of Kazakhstan (compulsory liquidation);

c) (Is excluded - No 162 dated 2.03.01)

2. Termination of the banks’ activities, including for the bankruptcy, shall be performed in accordance with the legislative acts of the Republic of Kazakhstan, taking into account the requirements of this Law.

Footnote. Article 68 is amended by the Law of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 07.03.2014 No. 177-V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 68-1. The creditors' committee of the voluntarily and compulsorily liquidated banks

1. In order to ensure the interests of creditors and decision-making with their participation in the procedures of voluntary and compulsory liquidation of banks, a committee of creditors shall be established.

The structure of the committee of creditors of the voluntarily or compulsorily liquidated bank shall be approved by the authorized body under the recommendation of the liquidation commission of the bank.

2. Particularities of formation and activities of the creditors' committee shall be established by the regulatory legal acts of the authorized body.

Footnote. Is supplemented by Article 68-1 of the Law of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); as amended by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Article 69. Voluntary liquidation

1. After the general meeting of shareholders of the bank makes a decision on its voluntary liquidation, the bank shall be obliged to take measures to return the deposits of individuals by direct payment or their transfer to another bank or branch of a non-resident bank of the Republic of Kazakhstan, which are participants in the mandatory deposit guarantee system.

The transfer of deposits of individuals to a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in compliance with the conditions provided for in part three of paragraph 13 of Article 30 of this Law.

The procedure for issuing permission for the voluntary liquidation of banks, as well as the procedure for the return of deposits of individuals, their transfer to another bank or branch of a non-resident bank of the Republic of Kazakhstan, which are participants in the system of mandatory deposit insurance, shall be determined by the regulatory legal act of the authorized body.

1-1. After the return of deposits of individuals, the bank shall have the right to apply to the authorized body with a request to issue a permit for its voluntary liquidation.

The petition must be accompanied by a list of measures on the timing and stages of preparation of the bank for the termination of its activities, approved by the general meeting of shareholders, a balance sheet indicating the sufficiency of the bank's funds to carry out settlements on its obligations, and other necessary information. The list of required information is established by the regulatory legal acts of the authorized body.

2. An application for a permit for a voluntary liquidation of the bank shall be considered by the authorized body within two months from the date of receipt of the duly completed documents.

In case of refusal to issue permission for the voluntary liquidation of the bank, the authorized body shall deliver a reasoned decision about this, which brings to the attention of the bank.

2-1. A refusal to grant permission for voluntary liquidation of the bank shall be made by the authorized body for one of the following reasons:

1) incomplete or improper execution of the submitted documents;

2) insufficient funds of the bank to settle its obligations;

3) failure to take measures to return deposits of individuals through their direct payment or their transfer to another bank or branch of a non-resident bank of the Republic of Kazakhstan, which are participants in the mandatory deposit guarantee system.

3. (The paragraph is excluded by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

4. Upon the receipt of a permit for a voluntary liquidation, the bank shall establish a liquidation committee including the branches and representative offices of the bank to which the powers to manage the property and affairs of the bank are delegated.

Particularities of the activity of the liquidation committees of the voluntarily liquidated banks shall be determined by the regulatory legal acts of the authorized body.

4-1. Monitoring of the activities of the liquidation commission of the voluntarily liquidated bank shall be carried out by the authorized body.

5. After receiving permission for voluntary liquidation, the bank is obliged to publish information about this in periodicals distributed throughout the territory of the Republic of Kazakhstan.

6. The liquidation commission is obliged to submit them to the Corporation and the authorized body within seven days after the approval of the liquidation balance sheet and the bank liquidation report.

When completing the bank’s liquidation, the liquidation committee shall deposit the documents in the archives and notify the authorized body about it.

7. If the bank’s funds are insufficient to cover the claims of all creditors, the bank shall be subject to compulsory liquidation by the reason of bankruptcy.

7-1. Due to the inability to complete the process of a voluntary liquidation, the authorized body shall be entitled to apply to the court for a voluntary liquidation of the bank.

Footnote. Article 69 is amended by the Laws of the Republic of Kazakhstan dated 16 July, 1999 No 436; dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January, 2004); dated 23.10.2008 No 72 -IV (the order of enforcement see Art. 2); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 02.04.2019 No. 241-VІ (shall be enforced from 01.07.2019); dated November 25, 2019 No. 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 70. The types of a compulsory liquidation of banks

A compulsory liquidation of the bank shall be carried out by the court in connection with:

a) the bankruptcy of the bank;.

b) revocation of the bank’s license to conduct banking transactions on the grounds provided by the banking legislation of the Republic of Kazakhstan;

c) the application (claim ) of the authorized state bodies, legal entities and individuals on termination of the bank’s activities for the other grounds, stipulated by legislative acts.

Footnote. Article 70 as amended by the Laws of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); dated 12 January, 2007 No 222 (shall be enforced upon expiry of six months from the date of its official publication); dated 11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 71. Recognizing the bank bankrupt

1. Insolvency of a bank shall be established by the conclusion of the authorized body, submitted to the court, and drawn up in recognition of the methodology of calculation of prudential standards and other mandatory standards and limits, the size of the bank's capital, as well as existence of pecuniary obligations of a bank and other requirements of monetary nature, not fulfilled by the bank within three and more months from the moment of maturity of their fulfillment.

Bank shall be considered as insolvent upon its inability to fulfill pecuniary obligations and other requirements of monetary nature within three months from the moment of maturity of their fulfillment.

2. A bank may be recognized bankrupt only by the court decision in the due order. Out-of-court liquidation procedure of the insolvent bank under the decision of its creditors and the bank itself is not permitted.

3. The possibility to conclude an amicable settlement agreement by the parties in the case on the bank’s bankruptcy shall be excluded.

4. The decision on recognizing the bank bankrupt and its compulsory liquidation shall be sent by the court to the authorized body.

Footnote. Article 71 as amended by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004); dated 07.03.2014 No 177 -V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 72. Liquidation of a bank for other grounds

1. A compulsory liquidation of the bank in the cases when the court initiates a case under an application (claim) of the authorized state body, legal or individual entities (in the absence of a decision on revocation of the bank’s licenses to conduct banking operations) shall be performed in accordance with this Law.

2. The decision on a compulsory liquidation of the bank shall be sent by the court to the authorized body.

From the date of the court's decision on compulsory liquidation of a bank in a case, initiated on the grounds, specified in subparagraph c) of Article 70 of this Law, the bank’s license to conduct banking operations shall be revoked.

Footnote. Article 72 as amended by the Laws of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 12 January, 2007 No 222 (shall be enforced upon expiry of six months from the date of its first official publication).

Article 73. The conditions and procedure of compulsory liquidation

1. From the date of entry into force of the court decision on forced liquidation of the bank, the consequences provided by subparagraphs 1), 2), 4) - 9) of part two of paragraph 1 of Article 48-1 of this Law shall come.

The liquidation commission shall send a copy of the court ruling to the Corporation and the authorized body.

The liquidation commission shall be obliged within thirty calendar days after the approval of the liquidation balance sheet and the liquidation report, to submit them to the Corporation and the copies of these documents to the authorized body.

1-1. Is excluded by the Law of the Republic of Kazakhstan dated 07.03.2014 No 177 -V (shall be enforced upon expiry of ten calendar days after its first official publication).

2. All costs, associated with the liquidation of the bank, shall be covered by the bank’s funds, except for the cases provided for in paragraph 8 of of Article 48-1 of this Law.

3. Valuation of the bank’s property shall be made by the liquidation commission in accordance with the acting legislation.

4. The interim liquidation balance sheet and the register of the creditors’ claims of the liquidated bank shall be approved by the authorized body.

4-1. Prior to approval of the interim liquidation balance sheet, the offset of the mutual claims shall be permitted due to the confusion of debts.

After the approval of the interim liquidation balance sheet, the offset of mutual claims shall be made only upon the occurrence of the appropriate phase of satisfying the claims of the creditor.

It shall be prohibited to offset the mutual claims with the creditor whose claims to the liquidated bank emerge from the claim assignment agreement (agreements).

5. Selling of the property of the liquidated bank shall be carried out by the liquidation committee of the bank in the order, established by the regulatory legal acts of the authorized body.

6. Monitoring the activities of the liquidation commission of the bank, including the bank, liquidated by reason of bankruptcy, shall be carried out by the authorized body.

6-1. The court that made a decision on liquidation of the bank shall be entitled to request any information related to the activities of the liquidation committee of the bank from the authorized body.

7. The liquidation committee shall submit to the court the report on liquidation and the liquidation balance sheet, coordinated with the authorized body.

The court shall approve the report on liquidation and the liquidation balance sheet and make a determination on completion of the liquidation proceedings.

The liquidation committee shall send a copy of the court’s decision to the justice body, involved in the state registration of legal entities, and to the authorized body.

Within thirty calendar days after the approval of the liquidation balance sheet and the liquidation report, the liquidation committee shall submit them to the justice body, involved in the state registration of legal entities, and the copies of these documents - to the authorized body.

When terminating the bank’s liquidation, the liquidation committee shall deposit the documents in the archives and notify the authorized body about it in the prescribed manner.

8. After the registration of the termination of the bank’s liquidation, within five working days, the liquidation committee shall submit a copy of the order on registration of the termination of the bank’s activity to the authorized body.

Footnote. Article 73 as amended by the Laws of the Republic of Kazakhstan dated 16.07.1999 No 436; dated 02.03.2001 No 162; dated 10.07.2003 No 483 (shall be enforced from 01.01.2004); dated 23.12.2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 10.02.2011 No 406 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication), dated 07.03.2014 No 177 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 02.04.2019 No. 241-VI (shall be enforced from 01.07.2019).

Article 73-1. An operation on a simultaneous transfer of liabilities and assets of the bank to another bank (bank)

Footnote. Article 73-1 is excluded by the Law of the Republic of Kazakhstan dated11.07.2009 No 185 -IV (shall be enforced from 30.08.2009).

Article 74. A liquidation commission of the compulsorily liquidated bank

1. After the decision making on liquidation of a bank, including for the reason of bankruptcy, the court shall initiate the liquidation proceedings and instruct the authorized body to establish a liquidation commission of the bank taking into account its branches and representative offices.

The liquidation commission of the bank shall take steps to complete the bank’s affairs and provide settlements with its creditors.

The procedure for appointment and dismissal of the liquidation commissions of the compulsorily liquidated banks, the requirements for the chairman and the members of the liquidation commission and the procedure of liquidation and requirements for the work of the liquidation commissions shall be determined by the regulatory legal acts of the authorized body.

The rights and duties of the chairman and a member of the liquidation commission, including the right to compensation, the powers to manage the affairs and property of the compulsorily liquidated bank shall be regulated by the regulatory legal acts of the authorized body and the agreement, concluded by them and the creditors' committee taking into account the requirements established by the legislation of the Republic of Kazakhstan.

The monthly remuneration paid to the chairman and the members of the liquidation commission of the bank and other attracted employees shall not exceed for each of them ten-fold minimum official wage, defined by the Law on the national budget for the relevant financial year.

      2. (Is excluded - No 162 dated 2.03.01)
      3. (The paragraph is excluded by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).
      Footnote. Article 74as amended by the Laws of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January 2004); dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication).

Article 74-1. Particularities of formation of the liquidation, bankruptcy assets during the banks’ liquidation

1. Liquidation, bankruptcy assets of the bank shall be formed in the order, specified by the acting legislation, taking into account the particularities, provided in this Law.

1-1. The bank’s liquidation bankruptcy estate shall not include allocated assets that are collateral for bonds issued in accordance with the legislation of the Republic of Kazakhstan on project financing and securitization, and collateral that is collateral for mortgage bonds as follows: rights of claim under mortgage loan agreements (including mortgage certificates), as well as government securities of the Republic of Kazakhstan in cases where the ownership of these bonds arose from their holders or passed to them under transactions or other grounds provided for by the laws of the Republic of Kazakhstan.

The allocated assets shall be transferred by the liquidation commission to the management (with the right to sell the allocated assets and levy execution on the pledged property and other collateral included in the allocated assets), to the representative of the bondholders of a special financial company in the manner prescribed by the regulatory legal act of the authorized body.

The pledged property, which is collateral for mortgage bonds specified in part one of this paragraph, shall be transferred by the liquidation commission to the representative of holders of mortgage bonds to satisfy the claims of creditors of the issuer of mortgage bonds.

1-2. The liquidation bankruptcy estate of a bank shall not include the security deposit provided to the creditor in the manner and on the terms determined by the transaction (transactions) under the general financial agreement, prior to the date of withdrawal of the license of the bank to conduct banking operations.

2. When forming a liquidation bankruptcy estate, it does not include securities owned by third parties and entrusted to the custodian bank for storage and accounting, as well as pension assets, assets of the social health insurance fund, assets of investment funds, allocated assets of special financial companies entrusted to the bank -custodian for accounting and storage. Pension assets, assets of the social health insurance fund, target contribution funds allocated for a guaranteed volume of free medical care, assets of investment funds, allocated assets of special financial companies entrusted to the custodian bank for storage and accounting, shall be transferred to another bank at the request of the social health insurance fund, a voluntary savings pension fund, a joint-stock investment fund, a special financial company or a management company of a mutual investment fund.

3. The liquidation bankruptcy assets of the Islamic bank shall not include the property, acquired for the money, raised under the Investment Deposit Agreement of the Islamic bank. The said assets and the obligations on investment deposits shall be transferred by the liquidation commission to another Islamic bank.

The procedure for selecting the Islamic bank and transfer of the property, acquired for the money, raised under the investment deposit agreement, and the obligations on investment deposits of the liquidated Islamic bank shall be established by the regulatory legal act of the authorized body.

Footnote. Article 74-1 as amended by the Laws of the Republic of Kazakhstan dated 29.06.1998 No 236; dated 03.06.2003 No 427; dated 07.07.2004 No 577; dated 20.02.2006 No 127 (the order of enforcement See Art. 2); dated 20.11.2008 No 88 -IV (the order of enforcement see Art. 2); dated 12.02.2009 No 133 -IV (the order of enforcement see Art. 2); dated 12.01.2012 No 539 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.06.2013 No 106 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 16.11.2015 No. 406-V (shall be enforced from 01.07.2017); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 19.04.2023 No. 223-VII (shall be enforced from 01.01.2024).

Article 74-2. Priority of satisfaction of creditors' claims of a forcibly liquidated bank

Footnote. The title of Article 74-2 as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019).

1. The claims of creditors of a forced liquidated bank, including in connection with its bankruptcy, shall be satisfied in accordance with the procedure established by this Article.

2. The costs, associated with the liquidation procedures, including for ensuring the activities of the liquidation commission of the bank shall be covered in priority.

3. Claims of creditors recognized in accordance with the established procedure shall be satisfied in the following order:

1) first of all the requirements are satisfied:

of individuals to whom the forced liquidated bank is liable for causing harm to life or health, by capitalizing the relevant time-based payments for the payment of alimony withheld from wages and (or) other income;

on remuneration and payment of compensations to persons who worked under an employment contract, with the exception of executives of a forcibly liquidated bank, arrears on social contributions to the State Social Insurance Fund, on payment of mandatory pension contributions withheld from wages, on payment of mandatory pension contributions of an employer, mandatory professional pension contributions, as well as remuneration under copyright agreements;

2) secondly, the requirements of an organization that carries out obligatory guaranteeing of deposits are satisfied for the amount of compensation paid (paid) by it on guaranteed deposits and for the amount of the compensated difference between the size of the bank's property and the size of obligations on guaranteed deposits transferred to another (other) bank (banks) as part of an operation for the simultaneous transfer of assets and liabilities of a forcibly liquidated bank;

3) in the third place the requirements under the obligations secured by the pledge of property of the compulsory liquidated bank shall be satisfied, in the amount not exceeding the value of the collateral and the requirements of the clearing organization, carrying out the functions of a central counterparty, resulting from previously concluded and outstanding by the forced liquidated bank which is a clearing participant of the clearing organization of transactions involving a central counterparty. In case of receipt of insurance payment for loss or damage of the pledged property, the claims of the collateral creditors shall not be satisfied in the part covered by the insurance payment. In case of loss of the pledged property the outstanding part of these claims shall be repaid within the eighth stage;

4) fourthly, claims on deposits of individuals who are not persons connected with the forcibly liquidated bank by special relations, including interest-free demand deposits placed in the forcibly liquidated Islamic bank, and money transfers, as well as requirements for deposits made at the expense of pension assets, on deposits of insurance organizations operating in the life insurance industry;

5) in the fifth turn, settlements are made with non-profit organizations engaged exclusively in charity, organizations of veterans of the Great Patriotic War, organizations of veterans equated to veterans of the Great Patriotic War on benefits, and organizations of veterans of military operations on the territory of other states, the Voluntary Society of Persons with Disabilities of the Republic of Kazakhstan, the Kazakh Society of the Blind, the Kazakh Society of the Deaf and industrial organizations owned by these legal entities and created at their expense, by other organizations of persons with disabilities according to their available funds in bank accounts and deposited;

6) in the sixth order, claims for deposits of legal entities that are not persons associated with special relations with the forcibly liquidated bank are satisfied;

7) in the seventh place, the debt on taxes, fees and other mandatory payments to the budget, as well as on the return of loans issued at the expense of the Republican budget and the National Fund of the Republic of Kazakhstan shall be repaid;

8) in the eighth turn, settlements with other creditors shall be made in accordance with the laws of the Republic of Kazakhstan, including the claims of creditors on obligations secured by the pledge of the property of the forcibly liquidated bank, in the part exceeding the amount of the insurance payment made to it in accordance with the third turn;

9) in the ninth turn, the claims of creditors-individuals and legal entities that are persons related with the forcibly liquidated bank by special relations shall be satisfied, in part of the amount not covered by the organization, carrying out obligatory guarantee of deposits, due to compensation for the guaranteed deposits;

10) in the tenth turn, settlements shall be made on the subordinated debt and perpetual financial instruments of forcibly liquidated bank.

4. The claims of each priority shall be satisfied after the full satisfaction of the claims of the previous turn.

The creditor's claim with its consent may be settled by the means that do not contradict the legislation of the Republic of Kazakhstan, including in the monetary form and (or) through the transfer of property in kind.

When satisfying the claims of the creditors of one line, the money and (or) other property of the liquidated bank shall be distributed among the creditors of this line proportionally to the amounts of claims, subject to satisfaction.

Footnote. Article 74-2 is in the wording in the Law of the Republic of Kazakhstan dated 23.12.2005 No 107 (the order of enforcement See Art. 2 of the Law No 107); as amended by the Laws of the Republic of Kazakhstan dated 12.02.2009 No 133 -IV ( the order of enforcement see Art. 2); dated 21.06.2013 No 106 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 16.11.2015 No. 403-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 16.11.2015 No. 406-V (shall be enforced from 01.07.2017); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 06.05.2020 No. 323-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 27.06.2022 No. 129-VII (effective after ten calendar days after the date of its first official publication); dated 12.07.2022 No. 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication).

Article 74-3. Compulsory reorganization of a bank. Rehabilitation procedures

1. A compulsory reorganization of a bank shall be carried out under the court’s decision in accordance with the acting legislation, taking into account the particularities, provided by this Law.

The rehabilitation procedure against the bank shall be carried out ??under the court’s decision as part of the measures for the compulsory reorganization of the bank in order to restore its solvency and (or) enable the bank to implement the conditions and requirements, stipulated by the legislation of the Republic of Kazakhstan.

2. The court shall be entitled to make a decision on the compulsory reorganization of the bank or conduction of the rehabilitation procedures for the bank only on the basis of the relevant determination of the authorized body.

The main condition for the compulsory reorganization of the bank, the rehabilitation procedures shall be the return by the bank of all the deposits to the interested persons, within one year from the date of the decision making on the compulsory reorganization.

Failure to perform this condition shall entail compulsory liquidation of the bank.

2-1. If it is possible to restore its solvency and (or) eliminate the revealed shortcomings, the bank shall have the right to file a petition to the court for the rehabilitation procedure in connection with considering an issue on the compulsory reorganization of the bank. The petition of the bank shall be attached with the bank’s rehabilitation plan.

One copy of the petition with the attached documents shall be submitted to the authorized body.

2-2. A rehabilitation plan of the bank shall be subject to the prior coordination with the authorized body and be approved by the court within ten days from the date of its submission. The changes in the bank rehabilitation plan shall be permitted with the consent of the authorized body under the court decision.

2-3. The duration of the rehabilitation procedure in respect of the bank shall not exceed six months. The date of commencement and completion of the rehabilitation procedure shall be defined by the court. The bank rehabilitation plan, approved by the court shall be the document mandatory for execution by the bank and its officials.

2-4. The rehabilitation procedure shall be carried out by the bank under the control of the authorized body. The bank's activities during the rehabilitation procedure shall be carried out in the usual manner taking into account the requirements of this Article.

3. If the court makes a decision on the compulsory reorganization of the bank (irrespective of the reasons for initiation of proceedings), the reorganization shall be carried out by the special administrator (authorized to manage) of the bank, except for the cases, provided in paragraphs 2-1 – 2-4 of this Article.

The special administrator (authorized to manage) of the bank shall be obliged to inform monthly the court and the bank creditors about his activities.

4. A third person, involved in the bank’s reorganization in connection with the merger of the bank with another commercial entity or affiliation, shall submit the required documents (data) to the special administrator (appointed to manage), reasoning his (their) financial viability and feasibility of the bank’s reorganization.

5. The compulsory reorganization of the bank shall be carried out in the order, specified by the court and in accordance with the schedule and the action plan, approved by it.

6. A report of the special administrator (authorized to manage) of the bank on completion of the compulsory reorganization of the bank shall be approved by the court.

7. Within five days after the enforcement of the official document, confirming the performed bank’s reorganization within the named court procedures, the organization that is the successor of the bank shall be obliged to ensure the publication of the relevant information in two national newspapers.

8. The costs, associated with the compulsory reorganization of the bank, shall be covered by its funds.

9. Other issues of the compulsory reorganization of the bank and rehabilitation procedures against it shall be defined by the regulatory legal acts of the authorized body.

Footnote. Article 74-3 as amended by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Article 74-4. Supervisory powers of the authorized body in the process of the banks’ liquidation

1. In order to supervise the activities of the liquidation commission of the voluntarily and compulsorily liquidated banks, including for the reason of bankruptcy, the authorized body shall be entitled:

1) to receive the reports on the work accomplished from the liquidation commissions, and if necessary the additional information;

2) to establish the form, timing and periodicity of submission of the reports and additional information by the liquidation commissions;

3) to conduct inspections of the liquidation commissions in the order, established by the Laws of the Republic of Kazakhstan;

4) upon identification in the activity of liquidation commissions of deficiencies and (or) risks that may lead to a situation threatening the interests of depositors and (or) the creditors, of violations of requirements of the legislation of the Republic of Kazakhstan, rights and legitimate interests of creditors to issue obligatory for execution by liquidation commissions of written orders on elimination of the identified deficiencies and (or) risks in the activity of liquidation commissions, violations and (or) causes and the conditions, promoting to commit them in the established term, and (or) submission of the action plan in established term.

The action plan, submitted within the term, established by a written instruction, shall specify the descriptions of violations, causes that led to their occurrence, a list of planned activities, their terms of implementation, and the responsible officials.

An appeal against a written order of the authorized body shall be carried out in accordance with the procedure established by the laws of the Republic of Kazakhstan. Appeal against a written order of the authorized body shall not suspend its execution;

5) in case of non-execution by the liquidation commission within the established term of the instruction to replace the members of the liquidation commission or to require their replacement in case of voluntary liquidation of the bank, to apply the measures, provided by the legislation of the Republic of Kazakhstan, as well as to apply to the court or the prosecution bodies for protection of rights and legitimate interests of creditors;

6) to establish particularities and the order of formation and approval of the cost estimates of the liquidation expenses;

7) to define the requirements for implementation of the rules by the liquidation commissions for keeping the money in cash-desks, making of incoming and outgoing cash transactions, cash records, expenditure of cash, cash balance limit, as well as the timing of delivery of cash to the current account of the liquidation commission.

2. The authorized body shall be entitled to receive the necessary information from banks, in respect of which the court is considering a case on mandatory termination of their activities.

3. In the event if the liquidation commission violates the legislation of the Republic of Kazakhstan, the chairman, the head of the liquidation commission’s department shall be liable in accordance with the Laws of the Republic of Kazakhstan.

Footnote. Article 74-4 as amended by the Law of the Republic of Kazakhstan dated 2 March, 2001 No 162 (see Art. 2); in the new edition – by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January, 2004); dated 23 December, 2005 No 107 (the order of enforcement see Article 2 of the Law No 107);the Law of the Republic of Kazakhstan dated 31January, 2006 No 125; dated 28.12.2011 No 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 24.11.2015 No. 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 No. 168-VI (shall be enforced 01.01.2019); dated 29.06.2020 No. 351-VI (shall come into force from 01.07.2021).

Article 74-5. Termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan

1. Termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in accordance with this Law and other regulatory legal acts of the Republic of Kazakhstan.

Termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan may be carried out:

1) by decision of a non-resident bank of the Republic of Kazakhstan on the basis of the permission of the financial supervisory authority of the state in which the non-resident bank of the Republic of Kazakhstan is a resident, or a statement by the financial supervision authority of the relevant state that such permission under the legislation of a non-resident bank of the Republic of Kazakhstan is not required, subject to the permission of the authorized body (voluntary termination of activities);

2) on the basis of a decision of an authorized body to revoke a license or a court decision in cases provided for in paragraph 4 of this Article (forced termination of activities).

2. In order to ensure the interests of creditors and make decisions with their participation in the procedures for the voluntary and forced termination of the activities of branches of non-resident banks of the Republic of Kazakhstan, a committee of creditors shall be created.

The composition of the committee of creditors voluntarily or forcibly terminating the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be approved by the authorized body on the proposal of the liquidation commission of a branch of a non-resident bank of the Republic of Kazakhstan. The specifics of the formation and activities of the committee of creditors shall be established by the regulatory legal acts of the authorized body.

3. After the non-resident bank of the Republic of Kazakhstan makes a decision to voluntarily terminate the activities of a branch of a non-resident bank of the Republic of Kazakhstan, a branch of a non-resident bank of the Republic of Kazakhstan shall be obliged to take measures to return deposits of individuals by their direct payment or their transfer to a bank or branch of a non-resident bank of the Republic of Kazakhstan that is a member of the mandatory deposit insurance system.

A non-resident bank of the Republic of Kazakhstan shall have the right to apply to the authorized body with a request for permission to voluntarily terminate the activities of a branch of a non-resident bank of the Republic of Kazakhstan after the return of deposits of individuals and (or) transfer to a bank or branch of a non-resident bank of the Republic of Kazakhstan, which are members of the mandatory deposit insurance system.

The application shall be accompanied by a list of measures on the timing and stages of preparation of a branch of a non-resident bank of the Republic of Kazakhstan for the termination of its activities, approved by the relevant authority of a non-resident bank of the Republic of Kazakhstan, a report on assets and liabilities , indicating the sufficiency of funds of a branch of a non-resident bank of the Republic of Kazakhstan for the settlement of its obligations, and other necessary information, the list of which is established by the regulatory legal act of the authorized body.

The procedure for issuing permission for the voluntary termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, as well as the return of deposits of individuals, their transfer to a bank or branch of a non-resident bank of the Republic of Kazakhstan that are members of the system mandatory guarantee of deposits, shall be determined by the regulatory legal act of the authorized body.

Voluntary termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in the manner prescribed by paragraphs 2, 2-1 and 5 of Article 69 of this Law.

Upon receipt of permission for voluntary termination of activities, the branch of a non-resident bank of the Republic of Kazakhstan shall create a liquidation commission.

The specifics of the activities of liquidation commissions voluntarily terminating the activities of branches of non-resident banks of the Republic of Kazakhstan shall be determined by the regulatory legal acts of the authorized body.

The liquidation commission shall be obliged to submit the liquidation report of a branch of a non-resident bank of the Republic of Kazakhstan to the authorized body within seven calendar days after the approval of the liquidation report. The authorized body shall make a decision on the completion of the procedure for the voluntary termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan.

Upon completion of the procedure for the voluntary termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, the liquidation commission shall be obliged, in accordance with the established procedure, to hand over the documents for storage in the archive and to notify thereof the authorized body.

Satisfaction of claims of creditors of a branch of a non-resident bank of the Republic of Kazakhstan and all expenses associated with the voluntary termination of activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be made only at the expense of a non- resident bank of the Republic of Kazakhstan, except for the assets of a branch of a non-resident bank of the Republic of Kazakhstan taken as a reserve.

Assets of a branch of a non-resident bank of the Republic of Kazakhstan accepted as a reserve shall be used by a non-resident bank of the Republic of Kazakhstan after the claims of all creditors of a branch of a non-resident bank of the Republic of Kazakhstan are satisfied.

4. The forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in connection with the revocation of a license to conduct banking and other operations of a branch of a non-resident bank of the Republic of Kazakhstan by the authorized body on the grounds provided for by this Law, including in connection with the decision of the competent authority of the state, of which the non-resident bank of the Republic of Kazakhstan is a resident, to revoke a banking license of a non-resident bank of the Republic of Kazakhstan and (or) forced liquidation (termination of activities) of a non-resident bank of the Republic of Kazakhstan.

The forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall also be exercised by the court in connection with the application (claim) of authorized state bodies, individuals or legal entities to terminate the activities of a branch of a non-resident bank of the Republic of Kazakhstan on other grounds provided for by the laws of the Republic of Kazakhstan.

The court decision on the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be sent to the authorized body for the procedure for terminating the activities of a branch of a non-resident bank of the Republic of Kazakhstan in accordance with the procedure established by this article. From the date of entry into force of the court decision on the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan on the grounds specified in part two of this paragraph, the branch of a non-resident bank of the Republic of Kazakhstan shall be revoked a license for banking and other operations.

5. From the date of revokation of a license to conduct banking and other operations of a branch of a non-resident bank of the Republic of Kazakhstan, the authorized body shall appoint a liquidation commission of a branch of a non-resident bank of the Republic of Kazakhstan, which carries out the procedure for the forced termination of activities of a branch of a non-resident bank of the Republic of Kazakhstanan.

The liquidation commission of a branch of a non-resident bank of the Republic of Kazakhstan forcibly terminating its activities shall take measures to ensure settlements with its creditors.

From the date of revokation of a license to conduct banking and other operations of a branch of a non-resident bank of the Republic of Kazakhstan:

1) all operations on bank accounts of clients and of a branch of a non-resident bank of the Republic of Kazakhstan itself shall be terminated, except for cases related to:

expenses associated with the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, provided for by the regulatory legal acts of the authorized body;

crediting money received in favor of a branch of a non-resident bank of the Republic of Kazakhstan;

return of money received and received in favor of persons whose bank accounts are closed, as well as money received and received according to erroneous instructions;

expenses for the execution of clients' instructions for transferring money received to their bank accounts after the license of a branch of a non-resident bank of the Republic of Kazakhstan is revoked, provided that the client does not have a debt to a non-resident bank of the Republic of Kazakhstan or the client repays the existing debts to a non-resident bank of the Republic of Kazakhstan;

2) the powers of executives of a branch of a non-resident bank of the Republic of Kazakhstan shall be terminated, executives, and, if necessary, other employees of a branch of a non-resident bank of the Republic of Kazakhstan, are suspended from work and dismissed in accordance with the labor legislation of the Republic of Kazakhstan;

3) founders (participants), bodies of a non-resident bank of the Republic of Kazakhstan, executives shall not have the right to dispose of the property of a non-resident bank of the Republic of Kazakhstan located in the territory of the Republic of Kazakhstan;

4) collection of money from bank accounts of a branch of a non-resident bank of the Republic of Kazakhstan at the request of creditors, state revenue authorities, including those subject to satisfaction in an indisputable manner, as well as foreclosure on the property of a non-resident bank of the Republic of Kazakhstan, located on the territory of the Republic of Kazakhstan, shall not be allowed;

5) execution of earlier decisions of courts in respect of a branch of a non-resident bank of the Republic of Kazakhstan shall be suspended;

6) obligations to repay the principal debt, interest and penalties (fines, penalties) shall be fulfilled by the debtors of a branch of a non-resident bank of the Republic of Kazakhstan in accordance with the concluded bank loan agreements and other transactions.

The procedure for the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in accordance with paragraphs 3, 4, 4-1, 5 and 6 of Article 73 и Article 74-2 of this Law.

Satisfaction of the requirements of creditors of a branch of a non-resident bank of the Republic of Kazakhstan and all expenses associated with the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be made only at the expense of a non-resident bank of the Republic of Kazakhstan. resident bank of the Republic of Kazakhstan, including assets of a branch of a non-resident bank of the Republic of Kazakhstan taken as a reserve.

Financing expenses by the authorized body related to the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, with the exception of expenses related to the remuneration of employees of the authorized body included in the liquidation commission of a branch of a non- resident bank of the Republic of Kazakhstan, shall be prohibited.

The procedure for appointing and dismissing liquidation commissions forcibly terminating the activities of branches of non-resident banks of the Republic of Kazakhstan, the requirements for the chairman and members of the liquidation commission, as well as the procedure for forcibly terminating the activities of a branch of a non-resident bank of the Republic of Kazakhstan and requirements for the work of liquidation commissions shall be determined by the regulatory legal acts of the authorized body.

The rights and obligations of the chairman and member of the liquidation commission, including the right to remuneration, the scope of powers to manage the affairs and property of a forcibly terminating of a branch of a non-resident bank of the Republic of Kazakhstan shall be regulated by the regulatory legal acts of the authorized body and the agreement concluded with them by the creditors' committee, taking into account the requirements established by the legislation of the Republic of Kazakhstan.

The monthly amount of remuneration paid to the chairman, members of the liquidation commission of a branch of a non-resident bank of the Republic of Kazakhstan and other involved employees should not exceed for each of them the amount of ten times the minimum wage established by the law on the republican budget and the current as of January 1 of the relevant financial year.

The liquidation bankruptcy assets of a branch of a non-resident bank of the Republic of Kazakhstan shall be formed in accordance with the procedure determined by the regulatory legal act of the authorized body.

The liquidation bankruptcy assets of a branch of the Islamic non-resident bank of the Republic of Kazakhstan shall not include property acquired with money raised under an investment deposit agreement. The specified property, as well as liabilities on investment deposits, shall be subject to transfer by the liquidation commission to another Islamic bank or branch of the Islamic non-resident bank of the Republic of Kazakhstan.

The procedure for selection of an Islamic bank, a branch of the Islamic of a non-resident bank of the Republic of Kazakhstan and transferring to them the property acquired at the expense of money raised under an investment deposit agreement, and obligations on investment deposits of an Islamic branch of a non-resident forcibly terminating its activities bank of the Republic of Kazakhstan shall be established by the regulatory legal act of the authorized body.

To satisfy the requirements of creditors of a branch of a non-resident bank of the Republic of Kazakhstan, the liquidation commission of the forcibly terminating activity of a branch of a non-resident bank of the Republic of Kazakhstan shall have the right to use the assets of a branch of a non-resident bank of the Republic of Kazakhstan, including those accepted as a reserve, and money in bank accounts opened for the activities of a branch of a non-resident bank of the Republic of Kazakhstan.

In case of insufficiency of assets of a branch of a non-resident bank of the Republic of Kazakhstan, including those accepted as a reserve, the non-resident bank of the Republic of Kazakhstan shall satisfy the claims of creditors of a branch of a non-resident bank of the Republic of Kazakhstan in accordance with a written commitment previously submitted to the authorized body in accordance with subparagraph 12) of paragraph 2 of Article 13-1 of this Law.

The authorized body shall approve the liquidation report and decides on the completion of the procedure for the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan.

Upon completion of the procedure for the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan, the liquidation commission shall be obliged, in accordance with the established procedure, to hand over the documents for storage in the archive and notify thereof the authorized body.

After deregistration of a branch of a non-resident bank of the Republic of Kazakhstan, the liquidation commission of the forcibly terminating of a branch of a non-resident bank of the Republic of Kazakhstan, within five working days, shall submit to the authorized body a copy of the certificate of deregistration of a branch.

6. In case of revokation of a license to conduct banking and other operations of a branch of a non-resident bank of the Republic of Kazakhstan on the grounds of revokation of a license of a non-resident bank of the Republic of Kazakhstan to conduct banking activities and (or) forced liquidation (termination of activities) of a non-resident bank of the Republic of Kazakhstan, the procedure for the forced termination of the activities of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out taking into account the following specifics:

1) provisions of part fourteen of paragraph 5 of this Article shall not apply;

2) satisfaction of the requirements of creditors of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out by the liquidation commission of a branch of a non-resident bank of the Republic of Kazakhstan, which forcibly terminates the activities in accordance with Article 74-2 of this Law at the expense of the assets of a branch of a non-resident bank of the Republic of Kazakhstan, including those accepted as a reserve, and money on bank accounts opened for the activities of a branch of a non-resident bank of the Republic of Kazakhstan;

3) in case of insufficiency of assets of a branch of a non-resident bank of the Republic of Kazakhstan, including those accepted as a reserve, and money in bank accounts opened for the activities of a branch of a non-resident bank of the Republic of Kazakhstan , the satisfaction of the requirements of creditors of a branch of a non-resident bank of the Republic of Kazakhstan shall be carried out in the manner prescribed by the legislation of the state of which the non-resident bank of the Republic of Kazakhstan is a resident.

The exchange of information between the authorized body and the financial supervisory authority of the state, the resident of which is the non-resident bank of the Republic of Kazakhstan, on the progress and results of the liquidation procedure of a non-resident bank of the Republic of Kazakhstan shall be carried out on the basis and in the manner prescribed by the agreement, specified in subparagraph 3) of paragraph 1 of Article 13-1 of this Law.

7. The authorized body shall exercise control over the activities of liquidation commissions voluntarily and forcibly terminating the activities of branches of non-resident banks of the Republic of Kazakhstan in accordance with Article 74-4 of this Law.

Footnote. Chapter 9 is added with Article 74-5 in accordance with the Law of the Repubic of Kazakhstan dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Section III. Final provisions Chapter 9-1. Responsibility for violations, related to the banking activities

Footnote. Chapter 9-1 is introduced by the Law of the Republic of Kazakhstan dated 29 June, 1998 No 236; Is excluded by the Law of the Republic of Kazakhstan dated 10 July, 2003 No 483 (shall be enforced from 1 January 2004).

Chapter 10. Final and transitional provisions

Footnote. The title of Chapter 10 is in the wording by the Law of the Republic of Kazakhstan dated 19 February, 2007 No 230 (the order of enforcement see Article 2).

Article 75. The scope of this Law

1. The provisions of this Law shall apply to all banks, operating in accordance with the legislation of the Republic of Kazakhstan, including those, established under a special order - on the basis of the separate legislative and normative acts, governing the initial phase of their establishment, as well as the entities that are the direct and indirect participants of the banks.

2. The legal status, the procedure for the creation, licensing, regulation and termination of the activities of organizations carrying out certain types of banking operations, including the list of types of banking operations permitted for each of them , the grounds for issuing licenses to them for conducting banking operations and possible restrictions on their activities, are established by this Law and other laws of the Republic of Kazakhstan, and in cases stipulated by the laws of the Republic of Kazakhstan, regulatory legal acts of the authorized body and the National Bank of the Republic of Kazakhstan .

The organizations that are the subdivisions of the state bodies shall be entitled to conduct banking transactions exclusively to and at the expense of the state budget, without the right to delegate their implementation to the third parties, in accordance with the regulatory legal acts of the Government of the Republic of Kazakhstan, defining the order of establishment, operation, management and termination of the activities of the above-mentioned organizations.

2-1. For banks and other legal entities carrying out activities within the framework of a special regulatory regime introduced in accordance with the Law of the Republic of Kazakhstan "On state regulation, control and supervision of the financial market and financial organizations", the norms of this Law and regulatory legal acts of the authorized body, the National Bank of the Republic of Kazakhstan , adopted in accordance with this Law, are distributed within the limits stipulated by the conditions of the special regulatory regime.

The provisions of part one of this paragraph shall not be applicable to branches of non-resident banks of the Republic of Kazakhstan

3. Is excluded by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.)

4. The provisions of this Law, being applicable to banks (except for Articles 1, 3, 5, 5-1, 10, 10-1, 11-1, 11-2, 13, 14, 15, 16, 16-1, 16-2, 16-3, 17, 17-1, 17-2, 18, 19, 21, 23, 24, 25, 28, 47-1, 48-1, 52-4, 52-7, 52-9, 52-13, 52-14, 52-15, 52-16, 52-17, 54-1, 59-1, 59-2, 59-3, 60, 60-1, 61, 61-2, 61-4, 61-9, 61-10, 61-11, 61-12, 61-13, 62, 63, 64, 65, 66, 67, 67-1, 68, 68-1, 70, 71, 72, 74, 74-1, 74-3, 76-1, 78) shall be applicable to the branches of non-resident banks of the Republic of Kazakhstan subject to the specifics established by this Law.

The powers of the authorized body and of the National Bank of the Republic of Kazakhstan in the field of regulation of legal relations related to banks, including the powers to adopt regulatory legal acts in order to implement of this Law, provided for by Articles 8-1, 20, 26, 27, 30, 31, 31-1, 34, 35, 36, 39, 40, 40-5, 45, 45-1, 50, 52-12, 56, 57, 61-5, 61-6, 61-7, 73 of this Law, shall apply to legal relations associated with branches of non-resident banks of the Republic of Kazakhstan.

Footnote. Article 75 is amended by the Laws of the Republic of Kazakhstan, dated 11 July, 1997 No 154; dated 2 March, 2001 No 162 (see Art. 2); dated 10 July 2003 No 483 (shall be enforced from 1 January, 2004); dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication.); dated 02.07.2018 No. 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020): dated 24.11.2015 No. 422-V (shall come into force from 16.12.2020); dated 02.01.2021 No. 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication).

Article 76. (Article 76 is excluded by the Law of the Republic of Kazakhstan dated 29June, 1998 No 236)

Article 76-1. Transitional provisions

The requirements of the part three of paragraph 1-1 of Article 57 of this Law shall not apply during the audit of the participants of the banking conglomerate upon the results of 2005 and 2006.

Footnote. Chapter 10 is supplemented by Article 76-1 by the Law of the Republic of Kazakhstan dated 19 February, 2007 No 230 (the order of enforcement see Article 2).

Article 77. Appealing against actions (inaction) of the authorized body and the National Bank of the Republic of Kazakhstan

Footnote. The heading of Article 77 as amended by the Law of the Republic of Kazakhstan dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020).

Actions (inaction) of the authorized body and of the National Bank of the Republic of Kazakhstan in the field of banking regulation can be appealed in the manner prescribed by the laws of the Republic of Kazakhstan.

Appealing the decision of the authorized body or the National Bank of the Republic of Kazakhstan on the application of supervisory response measures (except for recommendatory supervisory response measures) and (or) sanctions, on the classification of the bank as a bank with an unstable financial position that poses a threat to the interests of its depositors and creditors and (or) threat stability of the financial system, on the classification of the bank as insolvent banks, on the application of settlement measures to it, as well as the actions of the temporary administration to manage the bank (temporary bank manager) at the stage of conservation, the temporary administration (temporary administrator) of the bank until the decision comes into force the court on the compulsory liquidation of the bank does not suspend the execution of the appealed decision or actions (inaction).

In case of invalidation of a transaction concluded on the basis of a decision of the authorized body and (or) a party to which is the temporary administration for the management of the bank (temporary bank manager) at the stage of conservation, the temporary administration (temporary administrator) of the bank until the entry into force of the court decision on forced liquidation bank, the parties are not allowed to return everything received under this transaction.

Footnote. Article 77 is in the wording by the Law of the Republic of Kazakhstan dated 05.07.2012 No 30 -V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 No. 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 No. 262-VI (shall be enforced from 01.01.2020); dated 29.06.2020 No. 351-VI (shall come into force from 01.07.2021).

Article 78. The enforcement of this Law

1. This Law enters into force from the date of its publication.

2. From the date of enforcement of this Law in case of violation of the order of formation of the authorized capital of the banks, made during the period of validity of the Law of the Republic of Kazakhstan dated 14 April 1993 "On banks in the Republic of Kazakhstan", the sanctions, provided for in this Law, shall be applied to the banks.

Footnote. Article 78 as amended by the Law of the Republic of Kazakhstan dated 11 July, 1997 No 154.

The President

of the Republic of Kazakhstan

      Вниманию пользователей!
Для удобства пользования РЦПИ создано Оглавление
      Сноска. По всему тексту слова "Аффилиированные", "Аффилиированными", "аффилиированных", "аффилиированными", "аффилиированности", "аффилиированным", "аффилиированные" заменены соответственно словами "Аффилированные", "Аффилированными", "аффилированных", "аффилированными", "аффилированности", "аффилированным", "аффилированные" в соответствии с Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).
      Сноска. Заголовок дан в новой редакции, преамбула исключена, по тексту слова "Указом", "Указа", "Указ" заменены соответственно словами "Законом", "Закона", "Закон" - Законом РК от 2 марта 2001 г. № 162 (см. ст. 2).
      По всему тексту слово "(интереса)" исключено - Законом РК от 08.07.2005 № 69.

Раздел I. Основания и условия создания
и деятельности банков
Глава 1. Общие положения

Статья 1. Банк, его статус и местонахождение

1. Банк - юридическое лицо, являющееся коммерческой организацией, которое в соответствии с настоящим Законом правомочно осуществлять банковскую деятельность.

2. Официальный статус банка определяется государственной регистрацией (перерегистрацией) юридического лица в качестве банка в Государственной корпорации "Правительство для граждан" (далее – Корпорация) и наличием лицензии уполномоченного органа по регулированию, контролю и надзору финансового рынка и финансовых организаций (далее – уполномоченный орган) на проведение банковских операций.

3. Ни одно юридическое лицо, не имеющее официального статуса банка, не может именоваться "банком" или характеризовать себя как занимающееся банковской деятельностью.

4. Местом нахождения банка признается место нахождения (почтовый адрес) его Правления.

Сноска. Статья 1 с изменениями, внесенными законами РК от 11.07.1997 № 154; от 16.07.1999 № 436; от 02.03.2001 № 162 (см. ст. 2); от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 05.07.2012 № 30-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 2. Основные понятия, используемые в настоящем Законе

В настоящем Законе используются следующие основные понятия:

1) контроль - возможность определять решения юридического лица, возникающая при наличии одного из следующих условий:

прямое или косвенное владение одним лицом самостоятельно либо совместно с одним или несколькими лицами более пятьюдесятью процентами долей участия в уставном капитале либо размещенных (за вычетом привилегированных и выкупленных обществом) акций юридического лица либо наличие возможности самостоятельно голосовать более пятьюдесятью процентами акций юридического лица;

наличие возможности у одного лица самостоятельно избирать не менее половины состава органа управления или исполнительного органа юридического лица;

включение финансовой отчетности юридического лица, за исключением финансовой отчетности специальной финансовой компании, созданной в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации, в финансовую отчетность юридического лица в соответствии с аудиторским отчетом;

наличие возможности одного лица самостоятельно либо совместно с одним или несколькими лицами определять решения юридического лица в силу договора (подтверждающих документов) или иным образом в случаях, предусмотренных нормативным правовым актом уполномоченного органа;

2) косвенное владение (голосование) акциями банка - возможность определять решения банка, крупного участника банка, банковского холдинга или лиц, совместно являющихся крупным участником банка, банковским холдингом, через владение акциями (долями участия в уставном капитале) юридических лиц;

2-1) межбанковский клиринг - сборка, сверка, сортировка и подтверждение платежей, а также проведение их взаимозачета и определение чистых позиций участников клиринга - банков и организаций, осуществляющих отдельные виды банковских операций;

3) банковский конгломерат – группа юридических лиц, состоящая из банковского холдинга (при наличии) и банка, а также дочерних организаций банковского холдинга и (или) дочерних организаций банка, и (или) организаций, в которых банковский холдинг и (или) его дочерние организации, и (или) банк имеют значительное участие в капитале;

В состав банковского конгломерата не входят национальный управляющий холдинг, банковский холдинг-нерезидент Республики Казахстан, а также дочерние организации и организации, в которых банковский холдинг-нерезидент Республики Казахстан имеет значительное участие в капитале, являющиеся нерезидентами Республики Казахстан;

3-1) субординированный долг банка – необеспеченное обязательство банка по выпущенным облигациям или полученному займу, соответствующее условиям, предусмотренным статьей 16-1 настоящего Закона;

3-2) информационная система банка или организации, осуществляющей отдельные виды банковских операций (далее – информационная система), – система, предназначенная для хранения, обработки, поиска, распространения, передачи и предоставления информации с применением аппаратно-программного комплекса, посредством которой предоставляются банковские и иные услуги;

4) банковский холдинг – юридическое лицо (за исключением случаев, когда таким владельцем является государство или национальный управляющий холдинг, организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, дочерние организации Национального Банка Республики Казахстан, а также случаев, предусмотренных настоящим Законом), которое в соответствии с письменным согласием уполномоченного органа может владеть прямо или косвенно двадцатью пятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка или иметь возможность:

голосовать прямо или косвенно двадцатью пятью или более процентами голосующих акций банка;

определять решения, принимаемые банком, в силу договора либо иным образом или иметь контроль;

5) регуляторный собственный капитал (далее - собственный капитал) банка - сумма капитала за вычетом инвестиций банка;

6) крупный участник банка – физическое или юридическое лицо (за исключением случаев, когда таким владельцем является государство или национальный управляющий холдинг, организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, дочерние организации Национального Банка Республики Казахстан, а также случаев, предусмотренных настоящим Законом), которое в соответствии с письменным согласием уполномоченного органа может владеть прямо или косвенно десятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка или иметь возможность:

голосовать прямо или косвенно десятью или более процентами голосующих акций банка;

оказывать влияние на принимаемые банком решения в силу договора либо иным образом в порядке, определяемом нормативным правовым актом уполномоченного органа;

7) родительская организация - юридическое лицо, которое имеет контроль над другим юридическим лицом;

8) депозит - деньги, передаваемые одним лицом (депозитором) другому лицу - банку, в том числе Национальному Банку Республики Казахстан и Национальному оператору почты, на условиях их возврата в номинальном выражении (за исключением инвестиционного депозита в исламском банке) независимо от того, должны ли они быть возвращены по первому требованию или через какой-либо срок, полностью или по частям с заранее оговоренной надбавкой либо без таковой непосредственно депозитору либо переданы по поручению третьим лицам;

9) дочерняя организация - юридическое лицо, по отношению к которому другое юридическое лицо имеет контроль;

10) косвенное владение долями участия в уставном капитале либо владение (голосование) акциями юридического лица - возможность определять решения юридического лица, крупного участника юридического лица или лиц, совместно являющихся крупным участником юридического лица, через владение (голосование) акциями (долями участия в уставном капитале) других юридических лиц;

11) крупный участник юридического лица - физическое или юридическое лицо (за исключением случаев, когда таким владельцем является государство или национальный управляющий холдинг), которое владеет прямо или косвенно десятью или более процентами долей участия в уставном капитале или голосующих акций юридического лица;

12) значительное участие в капитале - это владение прямо или косвенно, самостоятельно или совместно с одним или несколькими лицами двадцатью и более процентами голосующих акций (долей участия в уставном капитале) либо наличие возможности голосовать двадцатью и более процентами акций;

12-1) специализированный отраслевой банк - банк второго уровня, деятельность которого регулируется отдельным законодательным актом Республики Казахстан;

12-2) бессрочный финансовый инструмент – необеспеченное обязательство банка по выпущенным облигациям или полученному займу, соответствующее условиям, предусмотренным статьей 16-2 настоящего Закона;

13) безупречная деловая репутация – наличие фактов, подтверждающих профессионализм, добросовестность, отсутствие неснятой или непогашенной судимости, в том числе отсутствие вступившего в законную силу решения суда о применении уголовного наказания в виде лишения права занимать должность руководящего работника финансовой организации, банковского и (или) страхового холдинга и являться крупным участником (крупным акционером) финансовой организации пожизненно;

13-1) сервисная компания – дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, коллекторское агентство, обладающие в рамках договора доверительного управления правами (требованиями) по договорам банковского займа и (или) договорам о предоставлении микрокредита (далее – договор доверительного управления правами (требованиями), заключенного с лицом, указанным в части первой пункта 4 статьи 36-1 настоящего Закона и (или) части первой пункта 5 статьи 9-1 Закона Республики Казахстан "О микрофинансовой деятельности", полномочиями по доверительному управлению правами (требованиями) по договорам банковского займа и (или) договорам о предоставлении микрокредита, в том числе по изменению условий договора банковского займа и (или) договора о предоставлении микрокредита, по представлению интересов лица, с которым заключен договор доверительного управления правами (требованиями), в суде, по приему от должника денег и (или) иного имущества, и иными полномочиями, предусмотренными настоящим Законом, иными законами Республики Казахстан и договором доверительного управления правами (требованиями);

13-2) неплатежеспособный банк – банк, отнесенный решением уполномоченного органа к категории неплатежеспособных банков в соответствии с настоящим Законом;

14) стабилизационный банк - банк второго уровня, создаваемый по решению уполномоченного органа для целей осуществления операции по передаче активов и обязательств банка, находящегося в режиме консервации. Особенности создания, деятельности стабилизационного банка установлены настоящим Законом.

Сноска. Статья 2 в редакции Закона РК от 20.11.2008 N 88-IV (порядок введения в действие см. ст. 2); с изменениями, внесенными законами РК от 12.02.2009 N 133-IV (порядок введения в действие см. ст. 2); от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 12.01.2012 № 539-IV (вводится в действие по истечении 10 календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 2-1. Аффилированные лица банка

1. Аффилированными лицами банка являются лица, определенные статьей 64 Закона Республики Казахстан "Об акционерных обществах", а также участники банковского конгломерата.

Если иное не установлено настоящей статьей, не является основанием для определения аффилированных лиц банка в соответствии со статьей 64 Закона Республики Казахстан "Об акционерных обществах" наличие признака крупного акционера банка у национального управляющего холдинга.

2. Если иное не установлено настоящей статьей, аффилированными лицами банка, крупным акционером которого является национальный управляющий холдинг, не являются национальный управляющий холдинг либо юридические лица, сто процентов голосующих акций (долей участия) которых принадлежат национальному управляющему холдингу по перечню, утверждаемому уполномоченным органом по государственному планированию, а также должностные лица национального управляющего холдинга и вышеуказанных юридических лиц.

Не является основанием для признания банков аффилированными по отношению друг к другу наличие в составе акционеров данных банков национального управляющего холдинга.

3. Положения части второй пункта 1, а также пункта 2 настоящей статьи не учитываются для целей налогового законодательства Республики Казахстан и законодательства Республики Казахстан о трансфертном ценообразовании.

4. Аффилированными лицами филиала банка-нерезидента Республики Казахстан признаются аффилированные лица банка-нерезидента Республики Казахстан, признаваемые таковыми в соответствии с законодательством государства, резидентом которого является банк-нерезидент Республики Казахстан.

Филиал банка-нерезидента Республики Казахстан ведет учет своих аффилированных лиц на основании сведений, представляемых банком-нерезидентом Республики Казахстан.

Сноска. Статья 2-1 в редакции Закона РК от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); с изменениями, внесенными законами РК от 30.12.2009 № 234-IV (вводятся в действие с 21.02.2009); от 29.09.2014 № 239-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие с 16.12.2020).

Статья 3. Банковская система Республики Казахстан

1. Республика Казахстан имеет двухуровневую банковскую систему.

2. Национальный Банк Республики Казахстан является центральным банком государства и представляет собой верхний (первый) уровень банковской системы.

Задачи, принципы деятельности, правовой статус и полномочия Национального Банка Республики Казахстан определяются Законом Республики Казахстан "О Национальном Банке Республики Казахстан" и другими законами Республики Казахстан.

Национальный Банк Республики Казахстан осуществляет регулирование, а также наряду со своим ведомством контроль и надзор по отдельным вопросам банковской деятельности в пределах своей компетенции и способствует созданию общих условий для функционирования банков и организаций, осуществляющих отдельные виды банковских операций.

Регулирующие, контрольные и надзорные функции Национального Банка Республики Казахстан в пределах компетенции в отношении банков и организаций, осуществляющих отдельные виды банковских операций, направлены на поддержание стабильности денежно-кредитной системы Республики Казахстан, защиту интересов кредиторов банков, их вкладчиков и клиентов.

3. Все иные банки представляют собой нижний (второй) уровень банковской системы за исключением Банка Развития Казахстана, имеющего особый правовой статус, определяемый законодательным актом Республики Казахстан.

4. (исключен - N 162 от 2.03.01 г.)

5. Банк с иностранным участием - банк второго уровня, более одной трети размещенных акций которого находятся во владении, собственности и/или управлении:

а) нерезидентов Республики Казахстан;

б) юридических лиц - резидентов Республики Казахстан, более одной трети размещенных акций или долей участия в уставных капиталах которых находятся во владении, собственности и/или управлении нерезидентов Республики Казахстан либо аналогичных им юридических лиц - резидентов Республики Казахстан;

в) резидентов Республики Казахстан, являющихся распорядителями средств (доверенными лицами) нерезидентов Республики Казахстан либо юридических лиц, указанных в подпункте б) настоящего пункта.

5-1. Исламский банк - банк второго уровня, осуществляющий банковскую деятельность, предусмотренную главой 4-1 настоящего Закона, на основании лицензии уполномоченного органа.

Исламский банк не является участником системы обязательного гарантирования депозитов, и депозиты в исламском банке не гарантируются системой обязательного гарантирования депозитов. Исламские банки вправе создать некоммерческую организацию в организационно-правовой форме акционерного общества, гарантирующую возврат депозитов, привлеченных исламскими банками.

Особенности создания и деятельности исламского банка установлены главой 4-1 настоящего Закона.

6. Межгосударственный банк - банк, созданный и действующий на основании международного договора (соглашения), учредителями которого являются Правительство Республики Казахстан (или уполномоченный им государственный орган) и правительство (правительства) государства (государств), подписавшее данный договор (соглашение).

7. Создание в Республике Казахстан специализированных отраслевых банков с участием государства, за исключением акционерного общества "Жилищный строительный сберегательный банк Казахстана", не допускается.

Сноска. Статья 3 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 02.03.2001 N 162 (см. ст. 2); от 25.04.2001 N 179; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 72 (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 4. Банковское законодательство Республики Казахстан

1. Банковское законодательство Республики Казахстан основывается на Конституции Республики Казахстан, состоит из настоящего Закона и иных нормативных правовых актов Республики Казахстан.

2. Если международным договором, ратифицированным Республикой Казахстан, установлены иные правила, чем те, которые предусмотрены настоящим Законом, то применяются правила международного договора.

Сноска. Статья 4 в редакции Закона РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); с изменениями, внесенными Законом РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Статья 4-1. Филиал банка-нерезидента Республики Казахстан

1. Филиалом банка-нерезидента Республики Казахстан является обособленное подразделение банка-нерезидента Республики Казахстан, не являющееся юридическим лицом, расположенное на территории Республики Казахстан, прошедшее учетную регистрацию в Корпорации и осуществляющее банковскую деятельность на основании лицензии уполномоченного органа.

2. Филиал банка-нерезидента Республики Казахстан использует в качестве своего наименования то, которое указано в положении о филиале банка-нерезидента Республики Казахстан.

Филиал банка-нерезидента Республики Казахстан в своем наименовании обязан использовать наименование банка-нерезидента Республики Казахстан, а также слово "филиал".

3. Местом нахождения филиала банка-нерезидента Республики Казахстан признается место нахождения на территории Республики Казахстан, указанное в положении о филиале банка-нерезидента Республики Казахстан.

Сноска. Глава 1 дополнена статьей 4-1 в соответствии с Законом РК от 02.01.2021 № 399-VI (вводится в действие с 16.12.2020).

Статья 5. Организация, осуществляющая отдельные виды банковских операций

Если иное не установлено настоящим Законом, организацией, осуществляющей отдельные виды банковских операций, признается юридическое лицо, не являющееся банком, которое на основании лицензии уполномоченного органа или Национального Банка Республики Казахстан либо в соответствии с законами Республики Казахстан правомочно проводить отдельные виды банковских операций, предусмотренных настоящим Законом.

Сноска. Статья 5 в редакции Закона РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 5-1. Организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня

1. Правительство Республики Казахстан является единственным акционером организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня.

2. Организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, вправе осуществлять следующие виды деятельности, при реализации которых возможно возникновение убытков:

1) выпускать акции для формирования уставного капитала, а также облигации для финансирования собственной деятельности;

2) выкупать собственные размещенные акции и облигации;

3) производить оценку качества активов, прав требований банков и (или) юридических лиц, ранее являвшихся банками, с целью принятия решения об их приобретении;

4) приобретать у Национального Банка Республики Казахстан и банков сомнительные и безнадежные активы, иные права требования и активы, управлять ими, в том числе путем передачи в доверительное управление, владеть и (или) реализовывать их.

В случае перехода прав (требований) от Национального Банка Республики Казахстан к организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, согласие заемщика, залогодателя, гаранта и иных лиц на такой переход не требуется;

5) производить оценку качества акций и (или) облигаций, выпущенных банками и (или) размещенных банками, юридическими лицами, ранее являвшимися банками;

6) приобретать акции и (или) доли участия в уставном капитале юридических лиц, в том числе юридических лиц, права требований к которым приобретены у банков и (или) юридических лиц, ранее являвшихся банками, управлять ими, в том числе путем передачи в доверительное управление, владеть и (или) реализовывать их;

7) приобретать акции и (или) облигации, выпущенные и размещенные банками, управлять ими, в том числе путем передачи в доверительное управление, владеть и (или) реализовывать их;

8) предоставлять в имущественный наем (аренду) имущество, приобретенное и (или) полученное у банков и (или) юридических лиц, ранее являвшихся банками, или использовать иную форму возмездного временного пользования таким имуществом, передавать его в доверительное управление;

9) производить операции по секьюритизации прав требований и других активов, приобретенных у банков и (или) юридических лиц, ранее являвшихся банками;

10) самостоятельно, а также совместно с банками создавать (приобретать) организацию, приобретающую сомнительные и безнадежные активы;

11) приобретать у юридических лиц, ранее являвшихся банками, права требований и активы, включая акции и (или) доли участия в уставном капитале юридических лиц, содержать, обеспечивать сохранность, управлять ими, в том числе путем передачи в доверительное управление, владеть и (или) реализовывать их.

В случае если в результате сделки, предусмотренной в абзаце первом настоящего подпункта, приобретается имущество на сумму десять и более процентов от размера активов организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, то решение о заключении такой сделки принимается акционером данной организации.

В случае, если в результате сделки, предусмотренной в абзаце первом настоящего подпункта, происходит переход прав (требований) кредитора, согласие заемщика, залогодателя, гаранта и иных лиц на такой переход не требуется. При этом личность нового кредитора признается не имеющей для должника существенного значения;

12) размещать деньги в ценные бумаги и иные финансовые инструменты, а также в банках второго уровня, Национальном Банке Республики Казахстан и организации, указанной в пункте 8 статьи 61-4 настоящего Закона, на условиях договоров банковского счета и банковского вклада;

13) осуществлять финансирование на условиях платности, срочности и возвратности банков и (или) юридических лиц, ранее являвшихся банками;

14) приобретать услуги организаций по вопросам, связанным с улучшением качества кредитных портфелей банков второго уровня;

15) осуществлять реализацию специальных программ, разработанных и утвержденных Правительством Республики Казахстан и (или) Национальным Банком Республики Казахстан;

15-1) проводить реструктуризацию задолженности по активам, в том числе правам (требованиям), списывать и (или) отменять полностью или частично основной долг и (или) вознаграждение, комиссии, неустойку (штрафы, пени), иную задолженность, управлять активами и реализовывать их, признавать возможные убытки, возникающие в результате указанных действий;

16) иные виды деятельности, установленные Правительством Республики Казахстан.

Порядок осуществления организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, видов деятельности, предусмотренных настоящим пунктом, а также требований к приобретаемым (приобретенным) ею активам и правам требования устанавливается нормативным правовым актом единственного акционера.

Организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, по уступленным ей правам требования по договорам банковского займа признается кредитором (заимодателем) по банковской заемной операции и имеет все права и обязанности, установленные договором банковского займа.

Организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, вправе привлекать коллекторские агентства для взыскания и уступки прав требований по банковским займам с просрочкой исполнения обязательства по договору банковского займа свыше девяноста последовательных календарных дней, а также обращать взыскание в бесспорном порядке на деньги, находящиеся на банковских счетах заемщика, путем предъявления платежного требования в соответствии с пунктом 2 статьи 36 настоящего Закона.

3. Организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, на осуществление видов деятельности, указанных в пункте 2 настоящей статьи, вправе получать из бюджета целевое перечисление.

Сноска. Глава 1 дополнена статьей 5-1 в соответствии с Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); в редакции Закона РК от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); с изменениями, внесенными законами РК от 25.12.2017 № 122-VI (вводится в действие с 11.03.2017); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 05.01.2021 № 407-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 6. Запрет на неуполномоченную деятельность

1. Ни одно лицо, не имеющее соответствующей лицензии уполномоченного органа или Национального Банка Республики Казахстан, не имеет права:

1) выполнять банковские операции в качестве основной или

дополнительной деятельности;

2) использовать в своем наименовании, документах, объявлениях и рекламе слово "банк" или производное от него слово (выражение), создающее впечатление, что оно выполняет банковские операции. Настоящий запрет не распространяется на Национальный Банк Республики Казахстан, филиалы и представительства банков, организации, указанные в пункте 8 статьи 61-4 настоящего Закона, международные финансовые организации.

2. Банковские операции, осуществленные без лицензии уполномоченного органа или Национального Банка Республики Казахстан, являются недействительными, за исключением деятельности (операций), проводимой государственным органом, Национальным оператором почты, организациями, указанными в пункте 8 статьи 61-4 настоящего Закона, а также Банком Развития Казахстана в пределах полномочий, закрепленных настоящим Законом и иными законами Республики Казахстан.

Сноска. Статья 6 в редакции Закона РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 27.04.2015 № 311-V (вводится в действие с 01.01.2015); от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 7. Разграничение ответственности банков и государства. Независимость банков

1. Банки не отвечают по обязательствам государства, равно как и государство не отвечает по их обязательствам, кроме случаев, указанных в пункте 2 настоящей статьи, а также случаев, когда банки или государство принимают на себя такую ответственность.

2. Государство гарантирует сохранность депозитов, принятых межгосударственными банками - резидентами Республики Казахстан, и отвечает по их обязательствам пропорционально доле Правительства Республики Казахстан (или уполномоченного им государственного органа) в уставном капитале таких банков.

3. Запрещается вмешательство в любой форме государственных органов и их должностных лиц в деятельность банков, кроме случаев, прямо предусмотренных законодательством Республики Казахстан.

Сноска. Статья 7 с изменениями, внесенными законами РК от 07.12.1996 N 50; от 11.07.1997 N 154; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009);от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).

Статья 8. Деятельность, запрещенная или ограниченная для банков и банковских холдингов

1. Банкам запрещаются осуществление операций и сделок в качестве предпринимательской деятельности, не относящихся к банковской деятельности либо не предусмотренных пунктом 9 настоящей статьи и пунктом 12 статьи 30 настоящего Закона, а также приобретение долей участия в уставных капиталах или акций юридических лиц, создание и участие в деятельности некоммерческих организаций, за исключением членства в Национальной палате предпринимателей Республики Казахстан, а также случаев, установленных настоящим Законом, и осуществление сделок с ценными бумагами в случаях, предусмотренных пунктом 8 настоящей статьи.

2. Банковским холдингам запрещаются осуществление операций и сделок в качестве предпринимательской деятельности, а также приобретение долей участия в уставных капиталах или акций юридических лиц, создание и участие в деятельности некоммерческих организаций, за исключением членства в Национальной палате предпринимателей Республики Казахстан, а также случаев, установленных настоящим Законом, и осуществление сделок с ценными бумагами в случаях, предусмотренных пунктом 8 настоящей статьи.

3. Запрет, установленный пунктами 1 и 2 настоящей статьи, не распространяется на следующие случаи создания, а также приобретения акций или долей участия в уставных капиталах:

1) банками:

финансовых организаций, а также юридических лиц-нерезидентов Республики Казахстан, имеющих статус банков, страховых организаций, пенсионных фондов, профессиональных участников рынка ценных бумаг, платежных организаций в размере десяти или более процентов от размещенных (за вычетом привилегированных и выкупленных обществом) акций (долей участия в уставном капитале);

юридических лиц в размере менее десяти процентов от размещенных (за вычетом привилегированных и выкупленных обществом) акций (долей участия в уставном капитале) при условии соответствия приобретаемых акций (долей участия в уставном капитале) требованиям нормативного правового акта уполномоченного органа;

дочерних специальных организаций-нерезидентов Республики Казахстан, созданных в целях выпуска и размещения ценных бумаг под гарантию банка;

дочерних специальных финансовых компаний, созданных для сделок секьюритизации в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации;

организаций-резидентов Республики Казахстан, приобретающих сомнительные и безнадежные активы, созданных (приобретенных) совместно с организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня;

дочерних организаций-резидентов Республики Казахстан, приобретающих сомнительные и безнадежные активы родительского банка;

дочерних организаций, исключительной деятельностью которых является инкассация банкнот, монет и ценностей;

организаций, оказывающих услуги оператора системы электронных денег;

дочерних организаций, осуществляющих лизинговую деятельность;

организаций, оказывающих услуги по обеспечению информационного, телекоммуникационного и технологического взаимодействия между участниками расчетов по банковской деятельности, включая расчеты по операциям с платежными карточками;

организаций, осуществляющих деятельность по удостоверению соответствия открытого ключа электронной цифровой подписи закрытому ключу электронной цифровой подписи, а также по подтверждению достоверности регистрационного свидетельства;

юридических лиц, указанных в статье 10 настоящего Закона;

юридических лиц, когда принятые в качестве залога акции или доли участия в уставных капиталах этих организаций переходят в собственность банков в соответствии с гражданским законодательством Республики Казахстан и законодательством иностранного государства;

фондовых бирж и центрального депозитария, осуществляющих деятельность на территории Республики Казахстан;

кредитных бюро;

организаций, указанных в пункте 8 статьи 61-4 настоящего Закона;

организаций (резидентов и нерезидентов Республики Казахстан), оказывающих услуги по предоставлению возможности оказания финансовых и (или) платежных услуг с использованием искусственного интеллекта, блокчейн и других инновационных технологий;

организаций (резидентов и нерезидентов Республики Казахстан), оказывающих услуги по предоставлению возможности совершения сделок по оказанию финансовых услуг между финансовыми организациями или эмитентами и потребителями финансовых услуг с использованием информационной системы посредством Интернета;

организаций (резидентов и нерезидентов Республики Казахстан), осуществляющих разработку, реализацию, поддержку программного обеспечения, используемого в деятельности финансовых организаций, в том числе для автоматизации их деятельности;

иных юридических лиц – при осуществлении исламским банком банковской деятельности, предусмотренной главой 4-1 настоящего Закона;

2) банковскими холдингами:

финансовых организаций;

организаций-резидентов Республики Казахстан, приобретающих сомнительные и безнадежные требования банков второго уровня для управления ими и (или) их последующей реализации, реструктуризации и (или) секьюритизации;

специальных организаций-нерезидентов Республики Казахстан, созданных в целях выпуска и размещения ценных бумаг под гарантию банковского холдинга;

специальных финансовых компаний, созданных для сделок секьюритизации в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации;

организаций, исключительной деятельностью которых является инкассация банкнот, монет и ценностей, осуществление лизинговой деятельности;

юридических лиц-нерезидентов Республики Казахстан, имеющих статус банков, страховых организаций, пенсионных фондов, профессиональных участников рынка ценных бумаг;

организаций, указанных в пункте 8 статьи 61-4 настоящего Закона.

Требования, установленные абзацами восемнадцатым, девятнадцатым и двадцатым подпункта 1) и абзацами десятым, одиннадцатым и двенадцатым подпункта 2) части первой настоящего пункта, распространяются на случаи создания, а также приобретения банками и банковскими холдингами акций или долей участия в уставных капиталах организаций – нерезидентов Республики Казахстан при наличии соглашения между уполномоченным органом и соответствующим надзорным органом иностранного государства об обмене информацией.

Дочерние организации банка, за исключением случаев, предусмотренных статьей 11-2 настоящего Закона, вправе приобретать только акции или доли участия в уставном капитале юридических лиц, соответствующих требованиям, установленным нормативным правовым актом уполномоченного органа. Дочерние страховые (перестраховочные) организации банка в том числе вправе приобретать акции организации, гарантирующей осуществление страховых выплат страхователям (застрахованным, выгодоприобретателям) в случае принудительной ликвидации страховых организаций, и организации по формированию и ведению базы данных.

Дочерние организации банковского холдинга вправе приобретать только акции или доли участия в уставном капитале юридических лиц, соответствующих требованиям, установленным нормативным правовым актом уполномоченного органа. Дочерние страховые (перестраховочные) организации банковского холдинга в том числе вправе приобретать акции организации, гарантирующей осуществление страховых выплат страхователям (застрахованным, выгодоприобретателям) в случае принудительной ликвидации страховых организаций, и организации по формированию и ведению базы данных. Данное требование не распространяется на:

дочерние банки-резиденты Республики Казахстан;

юридические лица, в которых банковский холдинг является родительской организацией через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями банка-резидента Республики Казахстан, прямо владеющего (имеющего возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале указанных юридических лиц;

нерезидентов Республики Казахстан, которые являются дочерними организациями нерезидентов Республики Казахстан, являющихся банковским холдингом, при выполнении одного из следующих условий:

наличие у банковского холдинга индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения указанных лиц о том, что они подлежат консолидированному надзору;

наличие соглашения между уполномоченным органом и соответствующим надзорным органом иностранного государства об обмене информацией, а также минимального требуемого рейтинга одного из рейтинговых агентств. Минимальный рейтинг и перечень рейтинговых агентств устанавливаются нормативным правовым актом уполномоченного органа.

4. Приобретение банком долей участия в уставном капитале либо акций юридических лиц, указанных в подпункте 1) пункта 3 настоящей статьи, не должно превышать на одно юридическое лицо десяти процентов собственного капитала банка. Данное ограничение распространяется на владение банком долями участия в уставном капитале либо акциями указанных юридических лиц, в том числе в случаях их создания.

Совокупная стоимость долей участия банка в уставном капитале либо акций юридических лиц, указанных в подпункте 1) пункта 3 настоящей статьи, не должна превышать размера, определяемого нормативным правовым актом уполномоченного органа.

Ограничение, установленное в части первой настоящего пункта, не распространяется на банки в связи с приобретением ими контроля над другим банком:

в отношении которого была проведена реструктуризация в соответствии с настоящим Законом;

осуществившим операцию, предусмотренную статьей 61-4 настоящего Закона.

5. Приобретение и владение банком в размере десяти или более процентов от размещенных (за вычетом привилегированных и выкупленных обществом) акций или долей участия в уставном капитале финансовых организаций, а также юридических лиц-нерезидентов Республики Казахстан, имеющих статус банков, страховых организаций, пенсионных фондов, профессиональных участников рынка ценных бумаг, допускаются при условии выполнения банком дополнительных требований к минимальной достаточности собственного капитала, устанавливаемых нормативным правовым актом уполномоченного органа. Данное требование распространяется на случаи создания банком указанных юридических лиц.

6. Совокупная доля акций (долей участия в уставном капитале) родительской организации банковского конгломерата, банка или банковского холдинга, принадлежащих дочерним организациям банка либо банковского холдинга, организациям, в которых банк либо банковский холдинг имеют значительное участие в капитале, не должна превышать лимитов, определяемых нормативным правовым актом уполномоченного органа.

7. При приобретении банками акций или долей участия в уставных капиталах юридических лиц в случаях, когда принятые в качестве залога акции или доли участия в уставных капиталах этих организаций переходят в собственность банков в соответствии с гражданским законодательством Республики Казахстан и законодательством иностранного государства, участие банка в таких юридических лицах не должно превышать десяти процентов собственного капитала банка.

Срок реализации акций или долей участия в уставных капиталах должен быть не более двенадцати месяцев, за исключением случаев:

передачи принятых банком в качестве залога акций или долей участия в уставных капиталах этих организаций дочерней организации банка, созданной (приобретенной) на условиях, определенных статьей 11-2 настоящего Закона;

перехода в собственность банка принятых в качестве залога акций или долей участия в уставных капиталах организаций, указанных в подпункте 1) пункта 3 настоящей статьи.

Ограничения, установленные настоящим пунктом, распространяются на дочерние организации банков, за исключением дочерней организации банка, созданной (приобретенной) на условиях, определенных статьей 11-2 настоящего Закона.

7-1. В случае перехода в собственность банка залогового имущества, являвшегося обеспечением исполнения обязательств по договору банковского займа, в результате обращения на него взыскания банк обязан реализовать такое имущество путем проведения торгов (аукциона) в течение трех лет со дня перехода в собственность банка указанного имущества. Срок реализации земельного участка определяется с учетом особенностей, предусмотренных Земельным кодексом Республики Казахстан.

В случае передачи банком жилища в аренду в рамках Программы рефинансирования ипотечных жилищных займов (ипотечных займов), утвержденной Национальным Банком Республики Казахстан, срок, установленный частью первой настоящего пункта для реализации залогового имущества, являвшегося обеспечением исполнения обязательств по договору банковского займа, продлевается на срок аренды.

Требования, установленные частями первой и второй настоящего пункта, распространяются на организации, осуществляющие отдельные виды банковских операций.

Требование настоящего пункта не распространяется на случаи перехода в собственность банков акций или долей участия в уставных капиталах юридических лиц, предусмотренные пунктом 7 настоящей статьи.

8. Запрет, установленный пунктами 1 и 2 настоящей статьи, не распространяется на случаи приобретения в собственность:

облигаций международных финансовых организаций, перечень которых устанавливается уполномоченным органом;

облигаций, соответствующих требованиям, установленным нормативным правовым актом уполномоченного органа;

облигаций специальной финансовой компании, являющейся дочерней организацией банка или банковского холдинга, созданной в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации, выпущенных в рамках осуществления сделки секьюритизации между банком или банковским холдингом и специальной финансовой компанией;

собственных облигаций банком или банковским холдингом и облигаций, выпущенных дочерними организациями данного банка или банковского холдинга, обязательства по которым гарантированы банком или банковским холдингом. Порядок совершения сделок с такими облигациями определяется нормативным правовым актом уполномоченного органа.

Ограничения, установленные настоящей статьей, не распространяются на случаи приобретения банком, банковским холдингом облигаций взамен ранее приобретенных, организаций, находящихся в процессе реструктуризации, при условии включения обязательств по ранее выпущенным облигациям в перечень реструктурируемых обязательств данной организации.

9. Помимо деятельности, указанной в пункте 1 настоящей статьи, банки вправе заниматься следующими видами деятельности:

1) разработкой, реализацией и поддержкой специализированного программного обеспечения, используемого для автоматизации деятельности банков и организаций, осуществляющих отдельные виды банковских операций, или иного программного обеспечения, используемого в деятельности финансовых организаций;

2) реализацией специальной литературы по вопросам банковской деятельности на любых видах носителей информации;

3) реализацией собственного имущества;

4) выпуском, реализацией и распространением платежных карточек и чековых книжек;

5) осуществлением межбанковского клиринга;

6) выпуском, реализацией, приобретением и погашением электронных денег, а также предоставлением услуг по сбору и обработке информации по операциям с электронными деньгами;

7) реализацией в установленном законодательными актами Республики Казахстан порядке заложенного заемщиками имущества;

8) предоставлением консультационных услуг по вопросам, связанным с финансовой деятельностью;

9) представительством интересов других лиц по вопросам, связанным с банковской деятельностью, либо в качестве представителя держателей облигаций;

9-1) осуществлением посреднических услуг между плательщиком и поставщиком товаров, работ и услуг путем предоставления сервиса обслуживания, включая возможность получения и дистанционной оплаты товаров, работ и услуг с использованием систем, программ, инфраструктуры банка, когда платеж может быть осуществлен безналичным способом;

10) организацией обучения по повышению квалификации специалистов в области банковской и финансовой деятельности;

11) по удостоверению соответствия открытого ключа электронной цифровой подписи закрытому ключу электронной цифровой подписи, а также по подтверждению достоверности регистрационного свидетельства в отношении своих клиентов, пользующихся его банковскими услугами, при наличии лицензии уполномоченного органа в сфере информатизации;

12) заключением договоров страхования от имени страховых организаций-резидентов Республики Казахстан при наличии договора между банком и страховыми организациями-резидентами Республики Казахстан на заключение от их имени договоров страхования;

13) сдавать в аренду дочерним организациям собственное имущество в соответствии с договором имущественного найма (аренды);

14) сдавать на основании договора имущественного найма (аренды) в аренду жилище, перешедшее в собственность банка в результате обращения на него взыскания в связи с неисполнением или ненадлежащим исполнением заемщиком обязательств по договору ипотечного жилищного займа (ипотечного займа) либо предоставления заемщиком отступного в виде жилища, выступавшего в качестве залога по договору ипотечного жилищного займа (ипотечного займа).

Указанная деятельность осуществляется в соответствии с Программой рефинансирования ипотечных жилищных займов (ипотечных займов), утвержденной Национальным Банком Республики Казахстан.

В качестве арендаторов жилища, указанного в части первой настоящего подпункта, могут выступать только физические лица, жилище которых перешло в собственность банка в результате обращения на него взыскания в связи с неисполнением или ненадлежащим исполнением ими обязательств по договору ипотечного жилищного займа (ипотечного займа) либо предоставления заемщиком отступного в виде жилища, выступавшего в качестве залога по договору ипотечного жилищного займа (ипотечного займа).

15) участвовать в синдицированном финансировании и (или) выполнять функции банка-агента и (или) управляющего залогом в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации.

10. Помимо деятельности, указанной в пункте 2 настоящей статьи, банковские холдинги вправе заниматься следующими видами деятельности:

1) покупкой имущества у лица, не связанного с банковским холдингом особыми отношениями, приобретенного для собственных нужд;

2) предоставлением консультационных услуг по вопросам, связанным с финансовой деятельностью;

3) продажей собственного имущества.

11. Банкам и банковским холдингам запрещается выпуск "золотой акции".

12. Сделки с государственными ценными бумагами и негосударственными ценными бумагами на вторичном рынке, а также с производными финансовыми инструментами заключаются банками исключительно на организованном рынке ценных бумаг, за исключением случаев, установленных нормативным правовым актом уполномоченного органа.

13. Требования настоящей статьи не распространяются на:

1) банковские холдинги исламских банков;

2) банковские холдинги, косвенно владеющие (имеющие возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями банка через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале банковского холдинга-резидента Республики Казахстан, прямо владеющего (имеющего возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями указанного банка;

3) нерезидентов Республики Казахстан, являющихся банковским холдингом, лицом, обладающим признаками банковского холдинга, при выполнении одного из следующих условий:

наличие индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения банковского холдинга, лица, обладающего признаками банковского холдинга, о том, что указанные лица-нерезиденты Республики Казахстан подлежат консолидированному надзору;

4) банковские холдинги – резидентов Республики Казахстан, являющихся финансовыми организациями;

5) банки в связи с приобретением ими акций другого банка либо иных ценных бумаг, держателем которых является другой банк, либо долей участия в уставных капиталах юридических лиц, принадлежащих другому банку, при проведении ими реорганизации в форме присоединения в порядке, определенном законодательством Республики Казахстан, либо операции, предусмотренной статьей 61-4 настоящего Закона.

14. Филиалам банков-нерезидентов Республики Казахстан запрещается осуществление операций и сделок в качестве предпринимательской деятельности, не относящейся к банковской деятельности, предусмотренной пунктом 2-1 статьи 30 и пунктом 4 статьи 52-5 настоящего Закона, а также деятельности, предусмотренной подпунктом 2) пункта 10 настоящей статьи.

Сноска. Статья 8 в редакции Закона РК от 28.12.2011 № 524-IV (порядок введения в действие см. ст. 2); с изменениями, внесенными законами РК от 12.01.2012 № 539-IV (вводится в действие по истечении 10 календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 26.12.2012 № 61-V (вводится в действие с 04.02.2012); от 21.06.2013 № 106-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 19.03.2014 № 179-V (вводится в действие со дня его первого официального опубликования); от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 27.04.2015 № 311-V (порядок введения в действие см. ст. 2); от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 26.07.2016 № 12-VІ (вводится в действие по истечении тридцати календарных дней после дня его первого официального опубликования); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); . от 02.01.2021 № 399-VI (порядок введения в действие см. ст.2); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 8-1. Ограничения, предъявляемые к банкам, при совершении сделок

1. Банк не вправе выдавать банковские займы и банковские гарантии лицам, связанным с ним особыми отношениями, определяемыми в соответствии со статьей 40 настоящего Закона, за исключением:

банковских займов и банковских гарантий, предоставляемых лицам, являющимся участниками банковского конгломерата;

банковских займов и банковских гарантий, имеющих обеспечение, размер и вид которого соответствуют требованиям, устанавливаемым нормативным правовым актом уполномоченного органа;

банковских займов и банковских гарантий, предоставляемых лицам, не имеющим признаков неустойчивого финансового положения, определяемых нормативным правовым актом уполномоченного органа.

2. Банк не вправе выдавать банковские займы и банковские гарантии юридическому лицу (резиденту и нерезиденту Республики Казахстан), не соответствующему одному из следующих условий:

1) имеется информация о физическом лице, владеющем более пятьюдесятью процентами долей участия в уставном капитале либо размещенных (за вычетом привилегированных и выкупленных обществом) акций юридического лица либо имеющим возможность голосовать более пятьюдесятью процентами акций (долей участия в уставном капитале) данного юридического лица или осуществляющем контроль над таким лицом;

2) имеется информация о физических лицах, в совокупности владеющих более пятьюдесятью процентами долей участия в уставном капитале либо размещенных (за вычетом привилегированных и выкупленных обществом) акций юридического лица либо имеющих возможность голосовать более пятьюдесятью процентами акций (долей участия в уставном капитале) данного юридического лица;

3) имеется информация обо всех собственниках акций (долей участия в уставном капитале) юридического лица, владеющих десятью или более процентами простых акций (долей участия в уставном капитале) до конечных собственников простых акций (долей участия в уставном капитале) юридического лица;

4) является юридическим лицом, которое контролируется Правительством Республики Казахстан, местным исполнительным органом либо иностранным государством, имеющим минимальный требуемый рейтинг. Минимальный требуемый рейтинг и перечень рейтинговых агентств устанавливаются нормативным правовым актом уполномоченного органа;

5) является международной организацией, входящей в перечень, установленный уполномоченным органом;

6) является организацией, имеющей минимальный требуемый рейтинг. Минимальный требуемый рейтинг и перечень рейтинговых агентств устанавливаются нормативным правовым актом уполномоченного органа;

7) имеется информация о физических и юридических лицах, указанных в подпунктах 4) – 6) настоящего пункта, в совокупности владеющих более пятьюдесятью процентами долей участия в уставном капитале либо размещенных (за вычетом привилегированных и выкупленных обществом) акций юридического лица либо имеющих возможность голосовать более пятьюдесятью процентами акций (долей участия в уставном капитале) данного юридического лица;

8) имеется информация об управляющей компании инвестиционного фонда, а также физических и юридических лицах, указанных в подпунктах 4), 5), 6) и 7) настоящего пункта, являющихся акционерами (пайщиками) указанного инвестиционного фонда и осуществляющих контроль над юридическим лицом;

9) является юридическим лицом, по которому имеется информация, порядок раскрытия которой устанавливается нормативным правовым актом уполномоченного органа.

2-1. Банк не вправе выдавать банковские займы гражданину Республики Казахстан со дня размещения объявления о завершении процедуры внесудебного банкротства или процедуры судебного банкротства в порядке, предусмотренном Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан", а также принимать от таких лиц обеспечение в виде залога, гарантии и поручительства по договорам банковского займа в течение пяти лет.

3. Требования пункта 2 настоящей статьи не распространяются на банковские займы и банковские гарантии, величина которых не превышает размер, определяемый нормативным правовым актом уполномоченного органа.

Совокупный объем всех банковских займов и банковских гарантий, указанных в пунктах 1 и 2 настоящей статьи, не должен превышать размер, порядок расчета которого определяется нормативным правовым актом уполномоченного органа.

4. Банку запрещается передавать активы стоимостью свыше десяти процентов от собственного капитала банка в залог или иную форму обременения без предварительного утверждения данной сделки советом директоров банка.

Филиалу банка-нерезидента Республики Казахстан запрещается передавать активы стоимостью свыше десяти процентов от суммы активов филиала банка-нерезидента Республики Казахстан, принятых в качестве резерва, в залог или иную форму обременения без предварительного утверждения данной сделки банком-нерезидентом Республики Казахстан..

Сноска. Глава 1 дополнена статьей 8-1 в соответствии с Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными Законом РК . от 02.01.2021 № 399-VI (вводится в действие с 16.12.2020); от 30.12.2022 № 179-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 9. Запрет на рекламу, не соответствующую действительности

1. Банкам запрещается реклама их деятельности, не соответствующая действительности на день ее опубликования.

2. Уполномоченный орган вправе потребовать от банка внесения изменений в рекламу, не соответствующую действительности, ее прекращения или публикации ее опровержения.

В случае невыполнения данного требования в установленный уполномоченным органом срок уполномоченный орган вправе опубликовать информацию о несоответствии действительности сведений, содержащихся в рекламе, либо уточнить их за счет банка, опубликовавшего такую рекламу.

3. Юридическим лицам, не имеющим лицензии уполномоченного органа или Национального Банка Республики Казахстан на проведение банковских операций, запрещается реклама осуществляемых услуг, подпадающих под категорию банковских операций.

Сноска. Статья 9 с изменениями, внесенными законами РК от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 72 (порядок введения в действие см. ст.2); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 10. Ассоциации (союзы) банков

1. Для координации своей деятельности, защиты и представления общих интересов, осуществления совместных проектов и решения иных общих задач банки вправе образовывать в соответствии с действующим законодательством ассоциации и союзы банков.

2. Ассоциации (союзы) банков являются некоммерческими организациями.

3. Ассоциации (союзы) банков не могут использоваться в целях ограничения конкуренции в банковской системе, манипулирования ставками вознаграждения, условиями предложения кредитов и иных банковских услуг.

Сноска. Статья 10 с изменениями, внесенными Законом РК от 11.07.1997 N 154.

Статья 10-1. Консорциумы и другие объединения с участием банков

В целях реализации совместных проектов по предоставлению кредитов и решения иных задач, банки вправе создавать консорциумы на основе договора о совместной деятельности и участвовать в деятельности других консорциумов, ассоциаций.

Сноска. Дополнен статьей 10-1 - Законом РК от 16 июля 1999 г. N 436.

Статья 11. Дочерние банки, филиалы представительства и расчетно-кассовые отделы (сберегательные кассы) банков

Сноска. Статья 11 исключена - Законом РК от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107).

Статья 11-1. Дочерние организации банков и банковских холдингов и значительное участие банков и банковских холдингов в капитале

1. Банк и банковский холдинг в целях осуществления полномочий, предоставленных им статьей 8 настоящего Закона, могут создать или иметь дочернюю организацию только при наличии предварительного разрешения уполномоченного органа.

Требование по получению разрешения уполномоченного органа на создание или приобретение дочерней организации не распространяется на банковские холдинги, косвенно владеющие (имеющие возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале данной организации через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями банка-резидента Республики Казахстан, прямо владеющего (имеющего возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале указанной организации и имеющего соответствующее разрешение уполномоченного органа.

Требование по получению разрешения уполномоченного органа на создание или приобретение дочерней организации не распространяется на банковские холдинги, указанные в подпункте 2) пункта 13 статьи 8 настоящего Закона. Указанные банковские холдинги обязаны уведомить уполномоченный орган о создании или приобретении дочерней организации в течение четырнадцати рабочих дней со дня государственной регистрации юридического лица в случае создания дочерней организации либо приобретения долей участия в уставном капитале или голосующих акций дочерней организации.

Требование по получению разрешения уполномоченного органа на создание или приобретение дочерней организации не распространяется на банк в связи с приобретением им контроля над другим банком, в отношении которого была проведена реструктуризация в соответствии с настоящим Законом.

Порядок выдачи банку или банковскому холдингу разрешения на создание или приобретение дочерней организации определяется нормативным правовым актом уполномоченного органа.

2. Дочерние организации банков не вправе создавать и (или) иметь дочерние организации, а также иметь значительное участие в капитале, за исключением создания или участия в капитале организаций – нерезидентов Республики Казахстан, осуществляющих разработку, реализацию, поддержку программного обеспечения, используемого в деятельности финансовых организаций, в том числе для автоматизации их деятельности.

Данное ограничение не распространяется на банки, в отношении которых была проведена реструктуризация в соответствии с настоящим Законом и контроль над которыми был приобретен другим банком, а также на банки, осуществившие операцию, предусмотренную статьей 61-4 настоящего Закона, и контроль над которыми был приобретен другим банком.

К дочерней организации банка не относятся:

1) юридические лица, акции или доли участия в уставном капитале которых переходят в собственность банка в случае принятия их в качестве залога в соответствии с гражданским законодательством Республики Казахстан и законодательством иностранного государства, при соблюдении ограничений, установленных пунктом 7 статьи 8 настоящего Закона;

2) юридические лица, в уставном капитале которых участие банка осуществляется через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале дочерней организации, созданной (приобретенной) на условиях, определенных статьей 11-2 настоящего Закона;

3) юридические лица, акции или доли участия в уставном капитале которых приобретены исламским банком при осуществлении банковской операции, определенной статьей 52-9 настоящего Закона.

3. Дочерние организации банковских холдингов, за исключением дочерних банков-резидентов Республики Казахстан, а также дочерних организаций банковских холдингов, указанных в подпункте 2) пункта 13 статьи 8 настоящего Закона, не вправе создавать и (или) иметь дочерние организации.

3-1. За выдачу разрешения на создание, приобретение дочерней организации и (или) на значительное участие в капитале организаций взимается сбор, размер и порядок уплаты которого определяются налоговым законодательством Республики Казахстан.

4. К заявлению на получение разрешения на создание, приобретение дочерней организации, представляемому по форме, установленной нормативным правовым актом уполномоченного органа, необходимо приложить следующие документы:

1) учредительные документы дочерней организации – в случае отсутствия их на интернет-ресурсе депозитария финансовой отчетности или возможности получения их уполномоченным органом через веб-портал "электронного правительства";

2) решение об учреждении дочерней организации – в случае ее создания либо решение о приобретении дочерней организации – в случае ее приобретения (в случае отсутствия сведений на интернет-ресурсе депозитария финансовой отчетности), а также копию лицензии – в случае осуществления лицензируемого вида деятельности;

3) информацию о руководящих работниках дочерней организации (или кандидатов, рекомендуемых для назначения или избрания на должности руководящих работников);

4) сведения об аффилированных лицах (в случае отсутствия сведений на интернет-ресурсе депозитария финансовой отчетности).

В случае отсутствия у банка банковского холдинга дополнительно предоставляется информация об организациях, связанных с дочерней организацией:

управлением их деятельностью на объединенной основе в соответствии с условиями меморандума или положений ассоциации этих организаций;

если состав исполнительного органа, органа управления (для акционерных обществ), наблюдательного совета (для товариществ с ограниченной ответственностью) указанных организаций более чем на одну треть представлен одними и теми же лицами;

5) бизнес-план дочерней организации, требования к которому определяются нормативным правовым актом уполномоченного органа;

6) информацию, на основании анализа законодательства страны места нахождения дочерней организации, об отсутствии обстоятельств, предполагающих невозможность проведения консолидированного надзора за банковским конгломератом в связи с тем, что законодательство стран места нахождения участников банковского конгломерата – нерезидентов Республики Казахстан делает невозможным выполнение ими и банковским конгломератом предусмотренных законодательными актами Республики Казахстан требований;

7) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

8) финансовую отчетность приобретаемой дочерней организации, заверенную аудиторской организацией, за последний завершенный отчетный период;

9) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);
10) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

11) данные о юридическом лице, посредством приобретения доли участия в уставном капитале или акций которого банк и (или) банковский холдинг приобретает дочернюю организацию, включающие:

наименование и место нахождения юридического лица;

сведения о размере доли участия банка и (или) банковского холдинга в уставном капитале юридического лица, цене ее приобретения, учредителем (участником) которого является банк и (или) банковский холдинг;

сведения о количестве акций, цене приобретения, их процентном соотношении к общему количеству размещенных акций (за вычетом привилегированных и выкупленных обществом) юридического лица, акционером которого является банк и (или) банковский холдинг;

сведения о размере доли участия юридического лица (учредителем, участником, акционером которого является банк и (или) банковский холдинг), цене ее приобретения в уставном капитале другого юридического лица;

сведения о количестве акций, цене приобретения, их процентном соотношении к общему количеству размещенных акций (за вычетом привилегированных и выкупленных обществом), приобретенных юридическим лицом, акционером (учредителем, участником) которого является банк и (или) банковский холдинг.

Данные требования распространяются на случаи приобретения дочерней организации банком и (или) банковским холдингом посредством приобретения долей участия в уставном капитале или акций нескольких юридических лиц;

12) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019);
13) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

13-1) документ, подтверждающий оплату сбора за выдачу разрешения, за исключением случаев оплаты через платежный шлюз "электронного правительства";

14) иные документы, на основании которых предполагается приобрести контроль или подтверждающие контроль над дочерней организацией с указанием основания возникновения контроля.

5. Банк и (или) банковский холдинг вправе создать дочернюю организацию при условии безубыточной деятельности на консолидированной и неконсолидированной основах по итогам каждого из последних двух завершенных финансовых лет и соблюдения пруденциальных нормативов, в том числе на консолидированной основе, установленных уполномоченным органом, в течение последних трех месяцев, предшествующих дате подачи заявления в уполномоченный орган на получение разрешения.

6. Основаниями для отказа в выдаче разрешения на создание, приобретение дочерней организации являются:

1) неустранение замечаний уполномоченного органа по представленным документам;

2) несоответствие законодательства в области консолидированного надзора за финансовыми организациями страны места нахождения создаваемой или приобретаемой дочерней организации требованиям по консолидированному надзору, установленным законодательными актами Республики Казахстан;

3) несоответствие руководящих работников дочерней организации (или кандидатов, рекомендуемых для назначения или избрания на должности руководящих работников) требованиям подпунктов 3), 4), 5) и 6) пункта 3 статьи 20 настоящего Закона;

4) несоблюдение пруденциальных нормативов банковским конгломератом, в состав которого входит банк и (или) банковский холдинг, в результате предполагаемого наличия дочерней организации банка и (или) банковского холдинга;

5) анализ финансовых последствий, предполагающий ухудшение финансового состояния банка, банковского холдинга или банковского конгломерата вследствие деятельности дочерней организации или планируемых банком и (или) банковским холдингом инвестиций;

6) несоответствие систем управления рисками и внутреннего контроля, в том числе в отношении рисков, связанных с деятельностью дочерней организации, требованиям уполномоченного органа к системам управления рисками и внутреннего контроля;

7) несоблюдение дочерней организацией установленных пруденциальных нормативов в случаях, предусмотренных законодательством страны места нахождения дочерней организации, а также банком и банковским холдингом пруденциальных нормативов, в том числе на консолидированной основе, и других обязательных к соблюдению норм и лимитов в течение последних трех месяцев, предшествующих дате подачи заявления в уполномоченный орган на получение разрешения, и (или) в период рассмотрения заявления;

8) наличие у банка и (или) банковского холдинга и (или) предполагаемой к приобретению дочерней организации действующих мер надзорного реагирования, предусмотренных подпунктами 1), 2), 3), 4), 5), 6), 9), 14) и 15) пункта 1 статьи 46, статьей 47-1 настоящего Закона, и (или) административных взысканий за административные правонарушения, предусмотренные частями шестой, восьмой статьи 213, статьей 227 Кодекса Республики Казахстан об административных правонарушениях, на дату подачи заявления и в период рассмотрения документов;

9) в случаях создания или приобретения банком и (или) банковским холдингом дочерней организации – банка, страховой (перестраховочной) организации, управляющего инвестиционным портфелем – резидентов Республики Казахстан – несоблюдение требований, предусмотренных настоящим Законом, законодательством Республики Казахстан о страховании и страховой деятельности, рынке ценных бумаг касательно выдачи согласия на получение статуса банковского или страхового холдинга, крупного участника банка, страховой (перестраховочной) организации, управляющего инвестиционным портфелем – резидентов Республики Казахстан;

10) несоблюдение банком, банковским холдингом требований настоящего Закона, предъявляемых к созданию дочерних организаций банка, банковского холдинга, приобретению банками, банковскими холдингами акций или долей участия в уставных капиталах юридических лиц;

11) убыточная деятельность банка и (или) банковского холдинга на консолидированной и неконсолидированной основах по итогам каждого из последних двух завершенных финансовых лет, предшествующих дате подачи заявления на получение разрешения на создание, приобретение дочерней организации в уполномоченный орган.

7. Уполномоченный орган обязан выдать разрешение или отказать в выдаче разрешения в течение пятидесяти рабочих дней после подачи заявления.

В случае отказа в выдаче разрешения уполномоченный орган обязан письменно уведомить заявителя об основаниях отказа.

Заявление на получение разрешения на создание, приобретение дочерней организации, поданное в рамках получения разрешений на открытие банка или на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк, рассматривается уполномоченным органом в сроки, установленные для рассмотрения заявлений на выдачу указанных разрешений.

8. Дочерняя организация банка и (или) банковского холдинга обязана в течение тридцати календарных дней извещать уполномоченный орган обо всех изменениях и дополнениях, внесенных в учредительные документы.

9. Дочерняя организация банка и (или) банковского холдинга – нерезидент Республики Казахстан, а также организация-нерезидент Республики Казахстан, в которой банк и (или) банковский холдинг имеют значительное участие в капитале, обязаны раскрывать уполномоченному органу на основании соответствующего запроса необходимую информацию в целях обеспечения качественного и своевременного выполнения возложенных на уполномоченный орган функций по осуществлению консолидированного надзора. При этом полученные сведения не подлежат разглашению.

10. В случае приобретения банком и (или) банковским холдингом признаков контроля над другим юридическим лицом при отсутствии разрешения уполномоченного органа уполномоченный орган применяет к банку и (или) банковскому холдингу меры надзорного реагирования, предусмотренные настоящим Законом. В данном случае в течение шести месяцев с момента возникновения признаков контроля или выявления указанного нарушения уполномоченным органом банк и (или) банковский холдинг обязаны произвести отчуждение принадлежащих им акций (долей участия в уставном капитале) юридического лица лицам, не связанным с ними особыми отношениями, и представить подтверждающие документы в уполномоченный орган.

11. Значительное участие банка и (или) банковского холдинга в капитале организаций допускается только при наличии предварительного разрешения уполномоченного органа.

Требование по получению разрешения уполномоченного органа на значительное участие в капитале организации не распространяется на:

1) банковские холдинги, косвенно владеющие (имеющие возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале данной организации через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями банка-резидента Республики Казахстан, прямо владеющего (имеющего возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале указанной организации и имеющего соответствующее разрешение уполномоченного органа;

2) банки, в случае осуществления участия в уставном капитале юридических лиц через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями или долями участия в уставном капитале дочерней организации, созданной (приобретенной) на условиях, определенных статьей 11-2 настоящего Закона;

3) банки в случае перехода в их собственность акций или долей участия в уставном капитале юридических лиц, принятых банком в качестве залога в соответствии с гражданским законодательством Республики Казахстан и законодательством иностранного государства, при соблюдении ограничений, установленных пунктом 7 статьи 8 настоящего Закона.

Разрешение уполномоченного органа на значительное участие в капитале организаций не требуется для исламского банка в случае приобретения им акций (долей участия в уставном капитале) при финансировании производственной и торговой деятельности путем участия в уставном капитале юридических лиц и (или) на условиях партнерства.

Выдача разрешения банку или банковскому холдингу на значительное участие в капитале организаций осуществляется в порядке, определенном нормативным правовым актом уполномоченного органа.

В случае приобретения банком и (или) банковским холдингом значительного участия в капитале организации без получения предварительного согласия уполномоченного органа уполномоченный орган применяет к банку и (или) банковскому холдингу меры надзорного реагирования, предусмотренные настоящим Законом. В данном случае банк и (или) банковский холдинг должны произвести отчуждение принадлежащих им акций (долей участия в уставном капитале) организации, в капитале которой они имеют значительное участие, лицам, не связанным с банком и (или) банковским холдингом особыми отношениями, и представить подтверждающие документы в уполномоченный орган в течение шести месяцев.

12. Заявление на получение разрешения на значительное участие в капитале организаций по форме, установленной нормативным правовым актом уполномоченного органа, представляется с приложением документов, предусмотренных подпунктами 2), 3), 5), 6) и 11) пункта 4 настоящей статьи, а также документа, подтверждающего оплату сбора за выдачу разрешения на значительное участие в капитале организаций, за исключением случаев оплаты через платежный шлюз "электронного правительства".

Отказ в выдаче разрешения на значительное участие в капитале организаций производится по основаниям, предусмотренным пунктом 6 настоящей статьи.

13. Уполномоченный орган отзывает разрешение на создание, приобретение дочерней организации, значительное участие в капитале организации в случаях:

1) выявления недостоверных сведений, на основании которых было выдано разрешение;

2) выявления несоответствия деятельности дочерней организации банка и (или) банковского холдинга, а также организации, в которой банк и (или) банковский холдинг имеют значительное участие в капитале, требованиям пункта 3 статьи 8 настоящего Закона.

При отзыве разрешения на создание, приобретение дочерней организации, значительное участие в капитале организации уполномоченный орган принимает решение об отмене ранее выданного разрешения в течение двух месяцев с даты обнаружения факта, являющегося основанием для отзыва разрешения.

13-1. Уполномоченный орган принимает решение об отмене ранее выданного разрешения на создание, приобретение дочерней организации, значительное участие в капитале организации в случаях:

1) отзыва разрешения на создание, приобретение дочерней организации, значительное участие в капитале организации;

2) прекращения деятельности дочерней организации банка и (или) банковского холдинга, организаций, в которых банк и (или) банковский холдинг имеют значительное участие в капитале, путем реорганизации (в форме слияния, присоединения) или ликвидации;

3) отсутствия у банка и (или) банковского холдинга признаков контроля над дочерней организацией;

4) отсутствия у банка и (или) банковского холдинга признаков значительного участия в капитале организации;

5) отмены выданного уполномоченным органом согласия на приобретение статуса банковского холдинга в соответствии с частью третьей пункта 18 статьи 17-1 настоящего Закона.

Выданное разрешение уполномоченного органа на создание, приобретение дочерней организации, значительное участие в капитале организации считается отмененным со дня, следующего за днем получения уполномоченным органом заявления банка, банковского холдинга с приложением подтверждающих документов об отмене ранее выданного разрешения по основаниям, предусмотренным подпунктами 2), 3) и 4) части первой настоящего пункта, либо за днем обнаружения уполномоченным органом фактов, являющихся основанием для отмены выданного разрешения.

В случае, предусмотренном подпунктом 5) части первой настоящего пункта, ранее выданное разрешение уполномоченного органа на создание, приобретение дочерней организации, значительное участие в капитале организации считается отмененным со дня отмены выданного согласия уполномоченного органа на приобретение статуса банковского холдинга.

13-2. В случае отзыва разрешения на создание, приобретение дочерней организации, значительное участие в капитале организации по основаниям, указанным в части первой пункта 13 настоящей статьи, банк и (или) банковский холдинг обязаны в течение шести месяцев с даты отзыва такого разрешения произвести отчуждение принадлежащих им акций (долей участия в уставном капитале) указанных организаций лицам, не связанным с данным банком или банковским холдингом особыми отношениями, и представить подтверждающие документы в уполномоченный орган.

Порядок отзыва и (или) отмены разрешения на создание, приобретение дочерней организации, значительное участие в капитале организаций устанавливается нормативным правовым актом уполномоченного органа.

14. Требования настоящей статьи не распространяются на:

1) случаи создания (приобретения) банком дочерней организации на условиях, определенных статьей 11-2 настоящего Закона;

2) нерезидентов Республики Казахстан, которые являются дочерними или зависимыми организациями нерезидентов Республики Казахстан, являющихся банковским холдингом, лицом, обладающим признаками банковского холдинга, а также нерезидентов Республики Казахстан, являющихся банковским холдингом, лицом, обладающим признаками банковского холдинга, при создании или приобретении ими дочерних и зависимых организаций-нерезидентов Республики Казахстан при выполнении одного из следующих условий:

наличие у банковского холдинга, лица, обладающего признаками банковского холдинга, индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения указанных лиц о том, что они подлежат консолидированному надзору;

3) случаи приобретения банком акций другого банка либо акций и долей участия в уставных капиталах юридических лиц, принадлежащих другому банку, при проведении ими реорганизации в форме присоединения в порядке, определенном законодательством Республики Казахстан.

15. В случае, если банковский холдинг создает или приобретает дочернюю финансовую организацию либо приобретает значительное участие в капитале финансовой организации, в отношении которых законодательством Республики Казахстан предусмотрено получение соответствующих разрешительных документов на участие в капитале, разрешение на создание или приобретение дочерней организации и (или) значительное участие в капитале выдается уполномоченным органом банковскому холдингу одновременно с выдачей соответствующего документа, предоставляющего право владеть, пользоваться и (или) распоряжаться акциями финансовой организации в установленных законодательством Республики Казахстан размерах, без представления соответствующих документов, предусмотренных настоящей статьей, за исключением документа, подтверждающего уплату сбора за выдачу разрешения.

Требования части первой настоящего пункта распространяются на лиц, желающих приобрести статус банковского холдинга.

16. В случае, если приобретение банком дочерней организации или значительного участия в капитале организации произошло в результате обращения в свою собственность принятых банком в качестве залога акций или долей участия в уставных капиталах организаций, указанных в подпункте 1) пункта 3 статьи 8 настоящего Закона, банк обязан получить разрешение уполномоченного органа на создание или приобретение дочерней организации или значительное участие в капитале организаций в срок, установленный уполномоченным органом в рамках применения к банку меры надзорного реагирования.

Сноска. Статья 11-1 в редакции Закона РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.12.2012 № 60-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 26.12.2012 № 61-V (вводится в действие с 04.02.2012); от 21.06.2013 № 106-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 19.03.2014 № 179-V (вводится в действие со дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2020 № 359-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 11-2. Дочерние организации банков, приобретающие сомнительные и безнадежные активы родительского банка, и организация, приобретающая сомнительные и безнадежные активы, участниками которой являются банк и организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня

Сноска. Заголовок статьи 11-2 в редакции Закона РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).

1. Банк в целях осуществления полномочий, предоставленных ему статьей 8 настоящего Закона, вправе создать или приобрести дочернюю организацию, приобретающую сомнительные и безнадежные активы родительского банка, только при наличии предварительного разрешения уполномоченного органа.

Порядок выдачи разрешения на создание или приобретение банком дочерней организации, приобретающей сомнительные и безнадежные активы родительского банка, определяется нормативным правовым актом уполномоченного органа.

1-1. Банк вправе создать (приобрести) организацию, приобретающую сомнительные и безнадежные активы, совместно с организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня.

В случае, если в результате создания или приобретения организации, указанной в части первой настоящего пункта, у банка возникает значительное участие в капитале данной организации, данное участие допускается только при наличии предварительного разрешения уполномоченного органа.

Вкладом в уставный капитал организации, указанной в части первой настоящего пункта, созданной в организационно-правовой форме товарищества с ограниченной ответственностью, могут быть имущество, указанное в гражданском законодательстве Республики Казахстан, а также сомнительные и безнадежные активы банков и (или) права требования по сомнительным и безнадежным активам банка, приобретенные организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня.

Организация, указанная в части первой настоящего пункта, обязана перечислять деньги, полученные от своей деятельности, своим участникам (акционерам) в порядке и размерах, предусмотренных планом мероприятий по улучшению качества сомнительных и безнадежных активов, утверждаемом общим собранием участников (акционеров) данной организации, за исключением денег, направленных на оплату расходов, связанных с осуществлением видов деятельности, предусмотренных пунктом 4 настоящей статьи.

2. Дочерняя организация, приобретающая сомнительные и безнадежные активы родительского банка, обязана перечислять деньги, полученные от своей деятельности, родительскому банку, за исключением денег, направленных на оплату расходов, связанных с осуществлением видов деятельности, предусмотренных пунктом 4 настоящей статьи.

3. Порядок деятельности дочерней организации, приобретающей сомнительные и безнадежные активы родительского банка, срок, в течение которого дочерняя организация управляет приобретенными сомнительными и безнадежными активами, а также требования к приобретаемым (приобретенным) ею сомнительным и безнадежным активам устанавливаются нормативным правовым актом уполномоченного органа.

4. Дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, а также организация, приобретающая сомнительные и безнадежные активы, участниками которой являются банк и организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, вправе:

1) приобретать и реализовывать сомнительные и безнадежные активы банка;

2) приобретать и реализовывать движимое и недвижимое имущество и (или) право собственности на объекты незавершенного строительства, перешедшее в собственность банка в результате обращения взыскания на заложенное имущество по приобретенным сомнительным и безнадежным правам требования;

3) приобретать и реализовывать акции и (или) доли участия в уставном капитале юридических лиц в случаях принятия их в качестве залога (отступного или обеспечения) по приобретенным сомнительным и безнадежным правам требования либо перехода в собственность родительского банка в результате обращения взыскания на заложенное имущество;

4) сдавать в аренду имущество, перешедшее в ее собственность в результате обращения взыскания на имущество, выступавшее в качестве предмета залога, иного обеспечения или полученное в виде отступного по приобретенным у банка сомнительным и безнадежным правам требования, а также указанное в подпункте 2) настоящего пункта, или использовать иную форму возмездного временного пользования таким имуществом;

5) осуществлять иные виды деятельности в целях улучшения качества приобретенных сомнительных и безнадежных прав требования или иных активов, установленные нормативным правовым актом уполномоченного органа.

4-1. Дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, вправе выступать в качестве сервисной компании в рамках договора доверительного управления правами (требованиями).

Дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, регистрирует в регистрационном журнале договоров все договоры доверительного управления правами (требованиями) и ведет учет принимаемых и иных документов, передача которых предусмотрена договором доверительного управления правами (требованиями).

В рамках договора доверительного управления правами (требованиями) дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, вправе:

по соглашению сторон изменять условия договора банковского займа или договора о предоставлении микрокредита в рамках предоставленных лицом, с которым заключен договор доверительного управления правами (требованиями), полномочий. Изменение условий договора банковского займа и (или) договора о предоставлении микрокредита в одностороннем порядке допускается в случаях их улучшения для заемщика в соответствии с частью второй пункта 3 статьи 34 настоящего Закона и частью второй пункта 6 статьи 3 Закона Республики Казахстан "О микрофинансовой деятельности";

представлять интересы лица, с которым заключен договор доверительного управления правами (требованиями), в суде, в том числе в процессе взыскания задолженности и (или) обращения взыскания на предмет залога;

принимать от должника в интересах лица, с которым заключен договор доверительного управления правами (требованиями), деньги в безналичной форме и (или) иное имущество в счет погашения задолженности с последующей передачей таких денег и (или) такого имущества в его пользу;

пользоваться услугами оценщиков, аудиторов, юристов и иных консультантов;

осуществлять иные права, предусмотренные договором доверительного управления правами (требованиями).

Вознаграждение дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, выступающей в качестве сервисной компании, а также расходы, связанные с доверительным управлением, оплачиваются (возмещаются) в соответствии с условиями договора доверительного управления правами (требованиями) лицом, которое приобрело права (требования) по договорам банковского займа и (или) договорам о предоставлении микрокредита.

Заемщик и (или) его представитель вправе:

1) получать у лица, заключившего договор доверительного управления правами (требованиями), сведения о дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, месте ее нахождения, наличии у нее персональных данных заемщика, размере и структуре задолженности;

2) обратиться к дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, осуществляющей доверительное управление в соответствии с договором доверительного управления правами (требованиями), с заявлением об изменении условий договора банковского займа и (или) договора о предоставлении микрокредита, связанных с исполнением обязательств по указанному договору, с обоснованием причин такого обращения.

4-2. Дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, осуществляет взаимодействие с заемщиками в рамках договора доверительного управления правами (требованиями) с учетом требований, предусмотренных пунктами 1, 2, 4, подпунктами 1), 3), 4), 5), 6) и 9) пункта 5 и пунктом 6 статьи 5 Закона Республики Казахстан "О коллекторской деятельности", и обязана соблюдать в рамках договора доверительного управления правами (требованиями) требования и ограничения, предъявляемые законодательством Республики Казахстан к взаимоотношениям кредитора и должника в рамках договора банковского займа и (или) договора о предоставлении микрокредита.

Дочерняя организация банка, приобретающая сомнительные и безнадежные активы родительского банка, в случае принятия решения о добровольном прекращении своей деятельности либо принятия судом решения о прекращении деятельности дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, обязана:

1) в течение тридцати календарных дней после принятия вышеуказанного решения:

передать лицу, которому уступлены права (требования) по договору банковского займа и (или) договору о предоставлении микрокредита, либо по его указанию сервисной компании, с которой такое лицо заключило новый договор доверительного управления правами (требованиями), все сведения и документы по правам (требованиям) по договорам банковского займа и (или) договорам о предоставлении микрокредита, переданным дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, на основании договора доверительного управления правами (требованиями) на дату принятия решения о добровольном прекращении своей деятельности либо принятия судом решения о прекращении ее деятельности;

расторгнуть все заключенные договоры доверительного управления правами (требованиями).

Лицо, которому уступлены права (требования) по договору банковского займа и (или) договору о предоставлении микрокредита, либо сервисная компания, c которой таким лицом заключен новый договор доверительного управления правами (требованиями), обязаны обеспечить прием сведений и документов в случае, предусмотренном абзацем вторым подпункта 1) части второй настоящего пункта;

2) в течение пяти календарных дней со дня принятия вышеуказанного решения уведомить об этом:

лиц, с которыми заключены договоры доверительного управления правами (требованиями), способами, предусмотренными договором доверительного управления правами (требованиями);

должников, права (требования) по договорам банковского займа или договорам о предоставлении микрокредита к которым были переданы на основании договоров доверительного управления правами (требованиями), одним из следующих способов:

путем телефонных переговоров с телефонных номеров дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, для контактов с должниками;

путем личных встреч;

путем письменных (почтовых) уведомлений, направляемых должнику – физическому лицу по месту жительства (юридическому адресу), должнику – юридическому лицу по месту нахождения (фактическому адресу);

путем текстовых, голосовых и иных сообщений по сотовой связи;

посредством сети Интернет.

5. К заявлению на получение разрешения на создание, приобретение дочерней организации, приобретающей сомнительные и безнадежные активы родительского банка, представляемому по форме, установленной нормативным правовым актом уполномоченного органа, прилагаются документы и сведения, предусмотренные в подпунктах 1), 2), 3), 4), 11), 13-1) и 14) пункта 4 статьи 11-1 настоящего Закона, а также:

1) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования);

2) финансовая отчетность дочерней организации за последний завершенный квартал перед представлением соответствующего заявления – в случае приобретения дочерней организации;

3) бизнес-план и план мероприятий по улучшению качества сомнительных и безнадежных активов, требования к которым определяются нормативным правовым актом уполномоченного органа.

5-1. К заявлению на получение разрешения на значительное участие в капитале организации, приобретающей сомнительные и безнадежные активы, создаваемой (приобретаемой) совместно с организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, прилагаются документы и сведения, предусмотренные в подпунктах 2), 3) и 11) пункта 4 статьи 11-1 настоящего Закона и в подпунктах 2) и 3) пункта 5 настоящей статьи, а также документ, подтверждающий уплату сбора за выдачу разрешения на значительное участие в капитале организаций, за исключением случаев оплаты через платежный шлюз "электронного правительства".

Отказ в выдаче разрешения на значительное участие в капитале организации, приобретающей сомнительные и безнадежные активы, создаваемой (приобретаемой) совместно с организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, производится по основаниям, предусмотренным пунктом 6 настоящей статьи.

6. Основаниями для отказа в выдаче разрешения на создание, приобретение дочерней организации, приобретающей сомнительные и безнадежные активы родительского банка, являются:

1) основания, предусмотренные подпунктами 1), 3) и 4) пункта 6 статьи 11-1 настоящего Закона;

2) несоответствие сомнительных и безнадежных активов, передаваемых дочерней организации, требованиям пункта 4 настоящей статьи и (или) требованиям нормативного правового акта уполномоченного органа.

7. Дочерние организации банков, приобретающие сомнительные и безнадежные активы родительского банка, а также организация, приобретающая сомнительные и безнадежные активы, участниками которой являются банк и организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, по уступленным банками правам требования по договорам банковского займа, признаются кредиторами (заимодателями) по банковской заемной операции и имеют все права и обязанности банка, установленные договором банковского займа, права требования по которым уступлены банком в пользу организации.

      8. Исключен Законом РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).
      9. Исключен Законом РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).
      Сноска. Глава 1 дополнена статьей 11-2 в соответствии с Законом РК от 28.12.2011 № 524-IV (вводится в действие с 01.01.2011); с изменениями, внесенными законами РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Глава 2. Создание банка и осуществление банковской деятельности

Сноска. Заголовок главы 2 в редакции Закона РК от 08.07.2005 N 72 (порядок введения в действие см. ст.2).

Статья 12. Организационно-правовая форма банков

Сноска. Статья 12 исключена Законом РК от 10.07.2003 N 483 (вводится в действие с 01.01.2004).

Статья 13. Разрешение уполномоченного органа на открытие банка

1. Порядок выдачи разрешения на открытие банка определяются банковским законодательством Республики Казахстан.

Порядок выдачи разрешения на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк определяется законодательством Республики Казахстан о микрофинансовой деятельности.

2. Разрешение на открытие банка имеет юридическую силу до принятия уполномоченным органом решения о выдаче банку лицензии на проведение банковской операции.

3. Выданное разрешение на открытие банка считается отмененным в случаях:

1) принятия банком решения о добровольном прекращении своей деятельности путем реорганизации или ликвидации;

2) принятия судом решения о прекращении деятельности банка;

3) непрохождения в Корпорации государственной регистрации юридического лица в качестве банка в течение двух месяцев со дня выдачи разрешения на открытие банка;

4) неполучения лицензии на проведение банковских или иных операций в течение одного года со дня выдачи разрешения на открытие банка.

В случае, предусмотренном подпунктом 3) части первой настоящего пункта, ранее выданные разрешения на создание или приобретение дочерней организации, значительное участие в капитале организаций и согласия на приобретение статуса крупного участника банка, банковского холдинга считаются отмененными.

4. Банк вправе добровольно возвратить выданное ему разрешение на открытие банка и перерегистрироваться в установленном законодательством порядке.

Сноска. Статья 13 в редакции Закона РК от 11.07.1997 N 154; с изменениями, внесенными законами РК от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 13-1. Открытие филиала банка-нерезидента

Республики Казахстан

1. Банк-нерезидент Республики Казахстан вправе обратиться в уполномоченный орган для получения разрешения на открытие филиала на территории Республики Казахстан при выполнении следующих условий:

1) сумма совокупных активов банка-нерезидента Республики Казахстан должна быть не ниже суммы, эквивалентной двадцати миллиардам долларов США;

2) государство, резидентом которого является банк-нерезидент Республики Казахстан, является участником международного сотрудничества в сфере предотвращения и противодействия легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма, а также осуществляет сотрудничество с группой разработки финансовых мер борьбы с отмыванием денег (ФАТФ);

3) наличие соглашения между уполномоченным органом и органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан.

Соглашение между уполномоченным органом и органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, должно содержать порядок обмена конфиденциальной информацией, составляющей коммерческую тайну на рынке ценных бумаг, банковскую тайну, тайну страхования или иную охраняемую законом тайну, порядок сотрудничества по вопросам открытия филиала банка-нерезидента Республики Казахстан, лицензирования, согласования руководящих работников, регулирования, контроля и надзора (в том числе проведения проверок деятельности) и прекращения деятельности банка-нерезидента Республики Казахстан и его филиала, а также иные вопросы взаимодействия для целей осуществления контрольных и надзорных функций;

4) наличие письменного уведомления органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, о том, что он не возражает против открытия филиала банка-нерезидента Республики Казахстан на территории Республики Казахстан, либо заявления органа финансового надзора указанного государства о том, что такое разрешение по законодательству государства, резидентом которого является банк-нерезидент Республики Казахстан, не требуется;

5) наличие письменного подтверждения органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, о том, что банк-нерезидент Республики Казахстан обладает действующей лицензией на осуществление банковской деятельности.

2. Заявление о выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан на казахском или русском языке подается по форме, установленной нормативным правовым актом уполномоченного органа, с приложением следующих документов:

1) решение банка-нерезидента Республики Казахстан об открытии филиала на территории Республики Казахстан;

2) проект положения о филиале банка-нерезидента Республики Казахстан;

3) копии учредительных документов банка-нерезидента Республики Казахстан (нотариально засвидетельствованные в случае непредставления оригиналов для сверки);

4) сведения о банке-нерезиденте Республики Казахстан по форме, определенной уполномоченным органом, в том числе финансовая отчетность за последние два завершенных финансовых года (включая консолидированную при наличии), заверенная аудиторской организацией;

5) организационная структура филиала банка-нерезидента Республики Казахстан и сведения об аффилированных лицах банка-нерезидента Республики Казахстан;

6) бизнес-план филиала банка-нерезидента Республики Казахстан, утвержденный должностным лицом банка-нерезидента Республики Казахстан либо лицом, уполномоченным банком-нерезидентом Республики Казахстан на подписание документов. Требования к содержанию бизнес-плана устанавливаются уполномоченным органом, включая раскрытие стратегии деятельности, направлений и масштабов деятельности, финансовых перспектив (бюджет, отчет об активах и обязательствах, отчет о доходах и расходах за первые три финансовых (операционных) года, план маркетинга (формирования клиентуры филиала банка-нерезидента Республики Казахстан), план привлечения трудовых ресурсов, организацию управления рисками;

7) Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

8) документ, удостоверяющий наличие у банка-нерезидента Республики Казахстан минимально требуемого рейтинга одного из рейтинговых агентств, перечень которых устанавливается нормативным правовым актом уполномоченного органа, на день представления заявления;

9) письменное уведомление органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, об отсутствии возражений против открытия филиала банка-нерезидента Республики Казахстан на территории Республики Казахстан либо заявление о том, что такое разрешение по законодательству государства, резидентом которого является банк-нерезидент Республики Казахстан, не требуется;

10) письменное подтверждение органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, о наличии у банка-нерезидента Республики Казахстан действующей лицензии на осуществление банковской деятельности;

11) письменное подтверждение органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, об отсутствии у банка-нерезидента Республики Казахстан нарушений пруденциальных нормативов и иных обязательных к соблюдению норм и лимитов, установленных законодательством государства, резидентом которого является банк-нерезидент Республики Казахстан, в течение двух лет, предшествующих представлению заявления;

12) письменное обязательство банка-нерезидента Республики Казахстан о безусловном и незамедлительном исполнении данным банком-нерезидентом Республики Казахстан обязательств, связанных с деятельностью его филиала, действующего на территории Республики Казахстан, в случаях их неисполнения и (или) ненадлежащего исполнения со стороны филиала;

13) Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

14) копия действующей лицензии банка-нерезидента Республики Казахстан, выданной органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан;

15) документы, предусмотренные статьей 6-2 Закона Республики Казахстан "О государственной регистрации юридических лиц и учетной регистрации филиалов и представительств".

Уполномоченный орган вправе запросить дополнительную информацию или документы, необходимые для принятия решения о выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан.

Заявление о выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан может быть отозвано банком-нерезидентом Республики Казахстан в любой момент его рассмотрения уполномоченным органом.

Порядок выдачи разрешения на открытие филиала банка-нерезидента Республики Казахстан определяется нормативным правовым актом уполномоченного органа.

3. Отказ в выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан производится по любому из следующих оснований:

1) несоответствие требованиям, установленным пунктом 1 настоящей статьи;

2) несоблюдение требований, установленных подпунктами 8) и 11) части первой пункта 2 настоящей статьи;

3) бизнес-план и иные представленные документы не показывают, что:

по истечении первых трех финансовых (операционных) лет деятельность филиала банка-нерезидента Республики Казахстан будет рентабельной;

филиал банка-нерезидента Республики Казахстан намерен соблюдать требования к ограничению риска и создать надлежащую структуру управления;

филиал банка-нерезидента Республики Казахстан обладает организационной структурой, соответствующей планам его деятельности;

филиал банка-нерезидента Республики Казахстан обладает учетной и контрольной структурой, соответствующей планам его деятельности;

4) несоответствие наименования филиала банка-нерезидента Республики Казахстан требованиям пункта 2 статьи 4-1 настоящего Закона;

5) неустранение замечаний уполномоченного органа по представленным документам в установленный им срок.

Уполномоченный орган письменно уведомляет банк-нерезидент Республики Казахстан об основаниях отказа.

4. Выданное разрешение на открытие филиала банка-нерезидента Республики Казахстан считается отмененным в случаях:

1) принятия банком-нерезидентом Республики Казахстан решения о добровольном прекращении деятельности филиала банка-нерезидента Республики Казахстан;

2) принятия уполномоченным органом решения о лишении филиала банка-нерезидента Республики Казахстан лицензии на проведение банковских и иных операций;

3) непрохождения в Корпорации учетной регистрации в течение двух месяцев со дня выдачи разрешения на открытие филиала банка-нерезидента Республики Казахстан;

4) неполучения лицензии на проведение банковских и иных операций в течение одного года со дня выдачи разрешения на открытие филиала банка – нерезидента Республики Казахстан.

5. Заявление о выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан рассматривается уполномоченным органом в течение шестидесяти пяти рабочих дней со дня подачи заявления.

Уведомление о выдаче разрешения на открытие филиала банка-нерезидента Республики Казахстан направляется банку-нерезиденту Республики Казахстан и в Корпорацию.

Уполномоченный орган ведет учет выданных разрешений на открытие филиала банка-нерезидента Республики Казахстан.

Разрешение на открытие филиала банка-нерезидента Республики Казахстан имеет юридическую силу до принятия уполномоченным органом решения о выдаче филиалу банка-нерезидента Республики Казахстан лицензии на проведение банковских и иных операций.

6. Учетная регистрация филиала банка-нерезидента Республики Казахстан осуществляется Корпорацией на основании разрешения уполномоченного органа на открытие филиала банка-нерезидента Республики Казахстан.

Сноска. Глава 2 дополнена статьей 13-1 в соответствии с Законом РК от 02.01.2021 № 399-VI (вводится в действие с 16.12.2020); с изменениями, внесенными Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 14. Учредительные документы банка

1. Банк создается в порядке, определяемом гражданским законодательством Республики Казахстан для юридических лиц, с учетом особенностей, установленных банковским законодательством Республики Казахстан.

2. Учредительный договор о создании банка должен, помимо сведений, предусмотренных действующим законодательством, содержать в обязательном порядке:

сведения об учредителях, включая полное наименование и место нахождения каждого из них, а также данные об их государственной регистрации (для юридических лиц), имя, гражданство, место жительства и данные документа, удостоверяющего личность (для физических лиц);

сведения о количестве, категориях и цене размещения акций.

3. Устав банка должен, помимо сведений, предусмотренных действующим законодательством, содержать в обязательном порядке:

полное и сокращенное наименование банка;

сведения о видах и порядке использования фондов банка;

порядок принятия решений органами банка.

сведения, предусмотренные статьей 52-4 настоящего Закона (для исламского банка).

Сноска. Статья 14 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 16.05.2003 N 416; от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).

Статья 15. Организационно-правовая форма и наименование банка

1. Банки создаются в форме акционерных обществ.

1-1. Банк использует в качестве своего наименования то, которое записано в его уставе.

Наименование банка должно содержать слово "банк" или производное от него слово.

2. Всем банкам, кроме Национального Банка Республики Казахстан, запрещается использовать в своем наименовании слова "национальный", "центральный" в полном или сокращенном виде на любом языке.

3. Всем банкам запрещается использовать в своем наименовании слово "государственный" в полном или сокращенном виде на любом языке.

3-1. Наименование исламского банка должно содержать словосочетание "исламский банк".

4. Не допускается использование в качестве наименования обозначений, тождественных или сходных до степени его смешения с наименованием ранее созданных банков, в том числе банков - нерезидентов Республики Казахстан, за исключением дочерних банков.

Дочерние банки в своем наименовании обязаны использовать наименование родительских банков.

Требование, предусмотренное частью второй настоящего пункта, не распространяется на дочерние банки, в отношении которых была проведена реструктуризация в соответствии с настоящим Законом, а также на дочерние банки, осуществившие операцию, предусмотренную статьей 61-4 настоящего Закона.

Сноска. Статья 15 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие с 01.06.2014); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 16. Уставный и собственный капитал банка

1. Уставный капитал банка формируется в национальной валюте Республики Казахстан за счет размещения акций, за исключением случаев, установленных пунктом 2 настоящей статьи.

2. Акции банка при размещении должны быть оплачены исключительно деньгами. Настоящее требование не распространяется на банки в случаях:

1) размещения акций банка среди кредиторов банка и их оплаты путем зачета любого права (требования) по денежному обязательству банка перед соответствующим кредитором, при проведении банком реструктуризации в случаях, предусмотренных настоящим Законом и иными законами Республики Казахстан;

1-1) конвертирования ценных бумаг и иных денежных обязательств банка в простые акции банка в случае применения меры по урегулированию неплатежеспособного банка на основании и в порядке, предусмотренных статьей 61-10 настоящего Закона;

2) конвертирования ценных бумаг в акции банка на основании проспекта выпуска эмиссионных ценных бумаг, конвертируемых в акции банка;

2-1) обмена размещенных акций банка одного вида на акции данного банка другого вида на основании устава банка и его проспекта выпуска акций;

3) оплаты акций банка при реорганизации, осуществляемой в порядке, установленном Законом Республики Казахстан "Об акционерных обществах";

4) оплаты акций банка государственными ценными бумагами Республики Казахстан в случае, предусмотренном статьей 17-2 настоящего Закона.

При размещении акций банка в случаях, предусмотренных настоящим пунктом, проведение оценки не требуется.

3. В случае конвертирования ценных бумаг в акции банка в рамках процедуры его реструктуризации и (или) в рамках применения мер по урегулированию неплатежеспособного банка в порядке, предусмотренном статьей 61-10 настоящего Закона, право преимущественной покупки не предоставляется акционерам банка при размещении его акций посредством конвертирования ценных бумаг и (или) денежных обязательств банка в его акции.

3-1. Банк вправе выпускать привилегированные акции, проспектом выпуска которых предусматривается право исполнительного органа банка не начислять дивиденды по привилегированным акциям в случае, если начисление дивидендов по акциям приведет к снижению пруденциальных нормативов ниже значений, установленных нормативным правовым актом уполномоченного органа.

3-2. Банк, для обеспечения финансовой устойчивости и (или) оздоровления которого используются средства государственного бюджета, Национального фонда Республики Казахстан, Национального Банка Республики Казахстан и (или) его дочерних организаций, в период с момента принятия решения о предоставлении средств государственного бюджета, Национального фонда Республики Казахстан, Национального Банка Республики Казахстан и (или) его дочерних организаций и до полного исполнения банком обязательств по возврату полученных средств распределяет прибыль, начисляет дивиденды по простым и (или) привилегированным акциям и (или бессрочным) финансовым инструментам, а также проводит обратный выкуп собственных акций при соблюдении условий, предусмотренных нормативным правовым актом уполномоченного органа.

4. Минимальный размер уставного капитала вновь созданного банка должен быть оплачен его учредителями полностью в течение тридцати календарных дней после государственной регистрации банка.

Минимальный размер уставного капитала банка, созданного в результате добровольной реорганизации микрофинансовой организации в форме конвертации в банк, формируется за счет уставного капитала микрофинансовой организации с учетом соблюдения требований части первой пункта 1 статьи 42 настоящего Закона до подачи заявления на получение лицензии на проведение банковских и иных операций.

5. Методика расчета собственного капитала и инвестиций банка определяется уполномоченным органом.

В случае, если сумма обязательств банка превышает стоимость его активов, собственный капитал банка является отрицательным.

6. При установлении отрицательного размера собственного капитала у банка уполномоченный орган вправе принять решение о принудительном выкупе акций его акционеров и незамедлительно реализовать их новому инвестору по цене приобретения, на условиях, гарантирующих увеличение капитала банка и его нормальное функционирование с учетом взятых инвестором обязательств.

Принудительный выкуп уполномоченным органом акций банка осуществляется по цене, определяемой исходя из стоимости активов банка за вычетом суммы его обязательств на дату принятия им решения о принудительном выкупе акций (долей акционеров) банка в целях их последующей реализации новому инвестору. Реализация выкупленных акций банка производится уполномоченным органом незамедлительно по цене их приобретения. Права и обязанности владельцев всех принудительно выкупаемых акций банка переходят к новому инвестору.

В случае наступления срока исполнения обязательств, по которым могут быть предъявлены требования к банку, но которые не предъявлены до принятия решения о принудительном выкупе акций банка, такие требования считаются погашенными, за исключением требований по депозитам физических и юридических лиц.

Порядок принудительного выкупа акций банка и их обязательной последующей продажи инвесторам устанавливается уполномоченным органом.

Сноска. Статья 16 - в редакции Закона РК от 30.12.2009 № 234-IV; с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 177-VII (вводится в действие со дня его первого официального опубликования).

Статья 16-1. Субординированный долг

Условиями отнесения необеспеченного обязательства к субординированному долгу является одновременное наличие следующих условий:

1) срок, на который выпущено либо получено необеспеченное обязательство, составляет не менее пяти лет;

2) кредиторы не могут предъявить требование о досрочном погашении либо исполнении необеспеченного обязательства;

3) необеспеченное обязательство может быть досрочно погашено либо исполнено по инициативе банка при условии, что данное не приведет к снижению пруденциальных нормативов ниже значений, установленных нормативным правовым актом уполномоченного органа;

4) при ликвидации банка необеспеченное обязательство удовлетворяется в десятой очереди, определенной статьей 74-2 настоящего Закона.

Сноска. Глава 2 дополнена статьей 16-1 в соответствии с Законом РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); с изменениями, внесенными Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 16-2. Бессрочные финансовые инструменты

Условиями отнесения необеспеченного обязательства к бессрочным финансовым инструментам является одновременное наличие следующих условий:

1) срок, на который выпущено либо получено необеспеченное обязательство, составляет не менее пятидесяти лет;

4) при ликвидации банка необеспеченное обязательство удовлетворяется в десятой очереди, определенной статьей 74-2 настоящего Закона, после требований по субординированному долгу.

Сноска. Глава 2 дополнена статьей 16-2 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 16-3. Особенности выпуска и (или) размещения банком эмиссионных ценных бумаг на территории иностранного государства

1. Банк – резидент Республики Казахстан вправе осуществлять размещение эмиссионных ценных бумаг на территории иностранного государства при соблюдении условия, установленного пунктом 1 статьи 22-1 Закона Республики Казахстан "О рынке ценных бумаг".

2. Банк – резидент Республики Казахстан при выпуске и (или) размещении долговых ценных бумаг на территории иностранного государства, условиями выпуска которых предусмотрено предоставление гарантии банка – резидента Республики Казахстан, помимо условия, указанного в пункте 1 статьи 22-1 Закона Республики Казахстан "О рынке ценных бумаг", обязан соблюдать следующие дополнительные условия:

1) условия выпуска долговых ценных бумаг содержат положения о том, что долговые ценные бумаги могут быть принудительно реструктуризированы в случае применения уполномоченным органом мер по урегулированию неплатежеспособного банка в порядке, предусмотренном настоящим Законом;

2) условия выпуска долговых ценных бумаг содержат положения о том, что держатели долговых ценных бумаг не имеют права требовать досрочного выполнения обязательств перед ними в случае применения к неплатежеспособному банку мер по его урегулированию, предусмотренных настоящим Законом.

3. Требования пунктов 1 и 2 настоящей статьи не распространяются на банк – резидент Республики Казахстан и (или) организацию при размещении ею эмиссионных ценных бумаг, условиями выпуска которых предусмотрено предоставление гарантии банка – резидента Республики Казахстан, в случае принудительной реструктуризации обязательств неплатежеспособного банка – резидента Республики Казахстан в порядке, предусмотренном настоящим Законом.

4. Банк – резидент Республики Казахстан, разместивший эмиссионные ценные бумаги на территории иностранного государства, уведомляет уполномоченный орган об итогах размещения данных ценных бумаг в соответствии с пунктом 2 статьи 22-1 Закона Республики Казахстан "О рынке ценных бумаг".

Сноска. Глава 2 дополнена статьей 16-3 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); в редакции Закона РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 17. Учредители и акционеры банка

1. Учредителями и акционерами банка могут быть юридические и физические лица - резиденты и нерезиденты Республики Казахстан (с учетом ограничений, установленных пунктом 5 настоящей статьи и статьей 18 настоящего Закона).

2. Государство может быть учредителем и акционером банка только в лице Правительства Республики Казахстан, за исключением случаев, предусмотренных настоящей статьей. Государственные предприятия и организации, более пятидесяти процентов долей участия в уставных капиталах либо размещенных акций которых принадлежат государству, не могут быть учредителями и акционерами банка, за исключением национального управляющего холдинга, организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, и дочерних организаций Национального Банка Республики Казахстан.

Уполномоченный орган в целях осуществления операции по передаче активов и обязательств банка, предусмотренной статьей 61-12 настоящего Закона, может быть единственным учредителем стабилизационного банка.

3. (исключен - N 162 от 2.03.01 г.)

4. В целях защиты интересов кредиторов банка и обеспечения устойчивости банковской системы Республики Казахстан в случае, если меры, примененные уполномоченным органом, не привели к улучшению финансового состояния банка:

1) при однократном нарушении банком коэффициента достаточности собственного капитала и (или) коэффициента ликвидности, либо нарушении иных пруденциальных нормативов и (или) других обязательных к соблюдению норм и лимитов два и более раз в течение двенадцати последовательных календарных месяцев Правительство Республики Казахстан по предложению уполномоченного органа вправе принять решение о приобретении Правительством Республики Казахстан либо национальным управляющим холдингом объявленных акций банка в размере, необходимом для улучшения его финансового состояния и выполнения банком пруденциальных нормативов и (или) других обязательных к соблюдению норм и лимитов, в порядке, предусмотренном статьей 17-2 настоящего Закона;

2) при наличии у банка отрицательного размера капитала уполномоченный орган вправе осуществить принудительный выкуп акций банка с условием их обязательной последующей незамедлительной реализации по цене приобретения новому инвестору, гарантирующему необходимое улучшение финансового положения банка.

5. Юридические лица, зарегистрированные в оффшорных зонах, перечень которых устанавливается уполномоченным органом, не могут прямо или косвенно владеть и (или) пользоваться, и (или) распоряжаться голосующими акциями банков-резидентов Республики Казахстан.

Указанное ограничение не распространяется на банки, являющиеся дочерними организациями банков-нерезидентов Республики Казахстан, имеющих минимальный требуемый рейтинг одного из рейтинговых агентств.

Перечень рейтинговых агентств и минимальный требуемый рейтинг определяются уполномоченным органом.

Требования настоящего пункта не распространяются на случаи принудительной реструктуризации обязательств неплатежеспособного банка в соответствии со статьей 61-10 настоящего Закона.

5-1. Акционер, принимающий участие на общем собрании акционеров, представляет заявление, в котором указывает о выполнении требования пункта 5 настоящей статьи его акционерами (участниками), в случае, если информация о стране регистрации таких акционеров (участников) отсутствует в банке.

Акционер, не представивший указанное заявление, не допускается к участию в общем собрании акционеров.

При выявлении недостоверности информации, указанной в заявлении, либо выявлении нарушения требования, указанного в пункте 5 настоящей статьи:

1) в случае, если за решение проголосовало большинство голосующих акций (без учета голосующих акций акционера, представившего заявление), решение общего собрания акционеров считается принятым без учета голосов данного акционера;

2) в случае, если голос акционера, представившего заявление, был решающим, данное обстоятельство является основанием для признания недействительным решения общего собрания акционеров по требованию уполномоченного органа либо иных заинтересованных лиц в установленном законодательством Республики Казахстан порядке.

6. (Исключен - от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107)

7. Лица, прямо или косвенно владеющие акциями банка либо оказывающие влияние на принимаемые акционером банка решения, за исключением национального управляющего холдинга, обязаны по требованию уполномоченного органа представлять учредительные документы и другую информацию, необходимую для определения крупных участников банка и их финансового состояния.

Сноска. Статья 17 с изменениями, внесенными Указом Президента РК, имеющим силу Закона, от 27.01.1996 N 2830; законами РК от 07.12.1996 N 50; от 11.07.1997 N 154; от 29.06.1998 N 236; от 10.07.1998 N 282; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 25.04.2001 N 179; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 72 (порядок введения в действие см. ст. 2); от 07.07.2006 N 178 (вводится в действие со дня его официального опубликования); от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 12.02.2009 N 133-IV (порядок введения в действие см. ст. 2); от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 01.03.2011 № 414-IV (вводится в действие с 01.01.2010); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 17-1. Банковский холдинг и крупный участник банка

1. Ни одно лицо самостоятельно или совместно с другим (другими) лицом (лицами) не может (не могут) прямо или косвенно владеть, пользоваться и (или) распоряжаться десятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка, а также иметь контроль или возможность оказывать влияние на принимаемые банком решения в размере десяти или более процентов от размещенных (за вычетом привилегированных и выкупленных банком) акций банка без получения предварительного письменного согласия уполномоченного органа. Данное требование не распространяется на государство или национальный управляющий холдинг, организацию, специализирующуюся на улучшении качества кредитных портфелей банков второго уровня, дочерние организации Национального Банка Республики Казахстан, единый накопительный пенсионный фонд в случае владения им десятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка за счет пенсионных активов, управляющего инвестиционным портфелем в случае владения, пользования и (или) распоряжения им десятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка за счет пенсионных активов, а также на случаи, предусмотренные настоящим Законом.

Юридические лица-нерезиденты Республики Казахстан могут получить согласие уполномоченного органа на приобретение статуса банковского холдинга или крупного участника банка при наличии у них либо их родительской организации минимального требуемого рейтинга одного из рейтинговых агентств. Минимальный рейтинг и перечень рейтинговых агентств, устанавливаются нормативным правовым актом уполномоченного органа.

Наличие указанного рейтинга не требуется для юридического лица-нерезидента Республики Казахстан, предполагающего косвенно владеть десятью или более процентами размещенных акций банка или голосовать косвенно десятью или более процентами голосующих акций банка через владение (голосование) акциями (долями участия) юридического лица-нерезидента Республики Казахстан, являющегося крупным участником банка, прямо владеющего десятью или более процентами размещенных акций банка или имеющего возможность голосовать десятью или более процентами голосующих акций банка, имеющего минимальный требуемый рейтинг.

Крупные участники банка – физические лица оплачивают акции банка в размере, не превышающем стоимости имущества, принадлежащего им на праве собственности. При этом стоимость имущества (за вычетом стоимости ранее приобретенных акций банка) должна быть не меньше совокупной стоимости ранее приобретенных и приобретаемых акций банка.

1-1. Банковским холдингом-нерезидентом Республики Казахстан, прямо владеющим двадцатью пятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка или имеющим возможность голосовать прямо двадцатью пятью или более процентами голосующих акций банка, может являться только финансовая организация-нерезидент Республики Казахстан, подлежащая консолидированному надзору в стране своего места нахождения.

2. Правила выдачи, отзыва согласия на приобретение статуса крупного участника банка или банковского холдинга, требования к документам, представляемым для получения указанного согласия, определяются уполномоченным органом.

2-1. Требования по получению статуса банковского холдинга или крупного участника банка не распространяются на лицо-нерезидента Республики Казахстан, косвенно владеющего (имеющего возможность голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями банка через владение (наличие возможности голосовать, определять решения и (или) оказывать влияние на принимаемые решения в силу договора или иным образом) акциями другой финансовой организации-нерезидента Республики Казахстан, которая подлежит консолидированному надзору в стране своего места нахождения и имеет статус крупного участника (банковского холдинга) указанного банка.

Требования по получению статуса банковского холдинга или крупного участника банка не распространяются на случаи приобретения банком акций другого банка при проведении ими реорганизации в форме присоединения в порядке, определенном законодательством Республики Казахстан, если одним из реорганизуемых банков является банк, в отношении которого была проведена реструктуризация в соответствии с настоящим Законом.

2-2. Для получения согласия на приобретение статуса банковского холдинга или крупного участника банка оплачивается сбор, размер и порядок уплаты которого определяются налоговым законодательством Республики Казахстан.

3. Для получения согласия лицо, желающее стать крупным участником банка, обязано представить в уполномоченный орган заявление о приобретении статуса крупного участника банка, содержащее сведения, установленные нормативным правовым актом уполномоченного органа, включая сведения об условиях и порядке приобретения акций банка, в том числе ранее приобретенных, а также описание источников и средств, используемых для приобретения акций, с приложением документов и сведений, определенных пунктами 4, 4-1, 5, 6, 7 и 7-1 настоящей статьи.

4. Для получения согласия на приобретение статуса крупного участника банка физическое лицо представляет следующие документы:

1) копии документов, подтверждающих условия и порядок приобретения акций, а также источники и средства, используемые для приобретения акций.

Источником, используемым для приобретения акций банка, являются:

доходы, полученные от предпринимательской, трудовой или другой оплачиваемой деятельности;

денежные накопления заявителя, подтвержденные документально.

Дополнительно к источникам, указанным в части второй настоящего подпункта, для приобретения акций банка могут быть использованы деньги, полученные в виде дарения, выигрышей, дохода от продажи безвозмездно полученного имущества, в размере, не превышающем двадцати пяти процентов стоимости приобретаемых акций банка.

При приобретении акций банка за счет имущества, полученного в виде дарения, заявитель представляет сведения о дарителе и источниках происхождения указанного имущества у дарителя;

2) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

3) сведения по юридическим лицам, в которых оно является крупным участником, по форме, установленной нормативным правовым актом уполномоченного органа. В случае, если заявитель является акционером (участником) юридического лица – нерезидента Республики Казахстан, дополнительно представляются нотариально засвидетельствованные копии учредительных документов юридического лица – нерезидента Республики Казахстан;

3-1) план рекапитализации банка в случаях возможного ухудшения финансового положения банка;

3-2) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

3-3) сведения о доходах и имуществе, информацию об имеющейся задолженности по всем обязательствам заявителя согласно форме, установленной нормативным правовым актом уполномоченного органа, а физическое лицо – резидент Республики Казахстан также нотариально засвидетельствованную или заверенную органом государственных доходов копию декларации об активах и обязательствах, представленную в порядке, установленном налоговым законодательством Республики Казахстан, – в течение тридцати календарных дней, предшествующих дате подачи в уполномоченный орган заявления о приобретении статуса крупного участника банка, и нотариально засвидетельствованную или заверенную органом государственных доходов копию декларации о доходах и имуществе, представленную в порядке и сроки, установленные налоговым законодательством Республики Казахстан.

Сведения в декларации об активах и обязательствах указываются на первое число месяца представления декларации об активах и обязательствах.

К указанным сведениям прилагаются подтверждающие документы, достаточные для анализа финансового положения заявителя;

4) сведения о заявителе по форме, предусмотренной нормативными правовыми актами уполномоченного органа, включая сведения об образовании, о трудовой деятельности, безупречной деловой репутации. Физические лица-нерезиденты в подтверждение безупречной деловой репутации представляют документ, подтверждающий отсутствие неснятой или непогашенной судимости, выданный соответствующим государственным органом страны их гражданства, а лица без гражданства – страны их постоянного проживания (дата выдачи указанного документа не может быть более трех месяцев, предшествующих дате подачи заявления);

5) письменное подтверждение соответствующего государственного органа страны проживания физического лица-нерезидента Республики Казахстан о том, что приобретение акций банка-резидента Республики Казахстан разрешено законодательством данной страны, либо заявление уполномоченного органа соответствующего государства о том, что такое разрешение по законодательству государства указанного учредителя не требуется;

6) документ, подтверждающий оплату сбора за выдачу согласия, за исключением случаев оплаты через платежный шлюз "электронного правительства".

4-1. В случае, если физическое или юридическое лицо стало соответствовать признакам крупного участника банка без получения предварительного письменного согласия уполномоченного органа на основании договора дарения или договора доверительного управления, при представлении им заявления о приобретении соответствующего статуса в соответствии с требованием, установленным пунктом 16 настоящей статьи, дополнительно представляются:

1) копии документов, подтверждающих условия и порядок дарения акций банка или доверительного управления акциями банка;

2) документы, предусмотренные подпунктами 3), 3-1), 3-3), 4), 5) и 6) пункта 4 настоящей статьи;

3) сведения о стоимости акций, являющихся предметом договора дарения или договора доверительного управления, определенной оценщиком в соответствии с законодательством Республики Казахстан с приложением копий подтверждающих документов.

Для получения согласия на приобретение статуса крупного участника банка дополнительно физическим или юридическим лицом, приобретшим акции банка в результате договора дарения, выполняются следующие условия на дату представления заявления о приобретении статуса крупного участника банка:

1) стоимость имущества (за вычетом стоимости ранее приобретенных акций банка), принадлежащего физическому лицу на праве собственности, должна быть не меньше совокупной стоимости акций, являющихся предметом договора дарения, и ранее приобретенных им акций банка;

2) доходы, полученные от предпринимательской, трудовой или другой оплачиваемой деятельности физического лица, а также его денежные накопления, подтвержденные документально, составляют не менее семидесяти пяти процентов от стоимости подаренных акций банка, определенной оценщиком.

5. Для получения согласия на приобретение статуса крупного участника банка юридическое лицо-резидент Республики Казахстан представляет следующие документы:

1) копию решения соответствующего органа заявителя о приобретении акций банка (в случае отсутствия решения на интернет-ресурсе депозитария финансовой отчетности или возможности получения его уполномоченным органом через веб-портал "электронного правительства").

В случае если заявителем является банк, приобретающий статус крупного участника банка, осуществившего операцию, предусмотренную статьями 61-4 и 61-11 настоящего Закона, или финансовая организация-нерезидент Республики Казахстан, то представляется копия решения органа управления заявителя о приобретении акций банка;

1-1) сведения и подтверждающие документы о лицах (самостоятельно или совместно с другими лицами), владеющих прямо или косвенно десятью или более процентами акций (долей участия в уставном капитале) юридического лица, а также имеющих возможность определять решения данного юридического лица в силу договора либо иным образом или иметь контроль;

1-2) список аффилированных лиц заявителя (в случае отсутствия списка на интернет-ресурсе депозитария финансовой отчетности или возможности получения его уполномоченным органом через веб-портал "электронного правительства");

2) сведения и документы, указанные в подпунктах 1), 3), 3-1) и 6) пункта 4 настоящей статьи;

2-1) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

3) нотариально засвидетельствованные копии учредительных документов в случае отсутствия их на интернет-ресурсе депозитария финансовой отчетности или возможности получения их уполномоченным органом через веб-портал "электронного правительства";

4) краткие данные о руководящих работниках заявителя по форме, предусмотренной нормативными правовыми актами уполномоченного органа, включая сведения об образовании, о трудовой деятельности, безупречной деловой репутации. Физические лица-нерезиденты в подтверждение безупречной деловой репутации представляют документ, подтверждающий отсутствие неснятой или непогашенной судимости, выданный соответствующим государственным органом страны их гражданства, а лица без гражданства – страны их постоянного проживания (дата выдачи указанного документа не может быть более трех месяцев, предшествующих дате подачи заявления);

5) годовую финансовую отчетность за последние два завершенных финансовых года, заверенную аудиторской организацией, а также финансовую отчетность за последний завершенный квартал перед представлением соответствующего заявления.

Годовая финансовая отчетность не представляется в случае размещения данной отчетности на интернет-ресурсе депозитария финансовой отчетности или возможности получения ее уполномоченным органом через веб-портал "электронного правительства";

6) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

6. Для получения согласия на приобретение статуса крупного участника банка юридическое лицо-нерезидент Республики Казахстан представляет следующие документы:

1) сведения и документы, указанные в подпунктах 1), 3), 3-1) и 6) пункта 4 и подпунктах 1), 1-1), 1-2), 3), 4) и 5) пункта 5 настоящей статьи;

2) сведения о кредитном рейтинге юридического лица либо его родительской организации, присвоенном одним из международных рейтинговых агентств, перечень которых устанавливается уполномоченным органом, за исключением случаев, предусмотренных пунктом 1 настоящей статьи;

3) список юридических лиц, в которых заявитель является крупным участником, и нотариально засвидетельствованные копии их учредительных документов, а также нотариально засвидетельствованные копии учредительных документов заявителя.

Для получения согласия на приобретение статуса крупного участника банка финансовая организация-нерезидент Республики Казахстан дополнительно к документам, указанным в настоящем пункте, представляет письменное подтверждение от органа финансового надзора страны места нахождения заявителя о том, что заявитель уполномочен осуществлять финансовую деятельность в рамках законодательства данной страны, либо заявление органа финансового надзора страны места нахождения заявителя о том, что такое разрешение по законодательству данной страны не требуется.

6-1. Требования подпункта 3) пункта 6 настоящей статьи в части предоставления заявителем нотариально засвидетельствованных копий учредительных документов не распространяются на юридическое лицо – нерезидента Республики Казахстан при выполнении одного из условий:

1) наличие у юридического лица – нерезидента Республики Казахстан кредитного рейтинга не ниже А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом;

2) наличие сведений по юридическим лицам (доля участия, виды уставной деятельности), в которых заявитель является крупным участником, и крупным участникам заявителя, а также информации о финансовом состоянии заявителя на интернет-ресурсе надзорного органа страны местонахождения заявителя.

7. Для получения согласия на приобретение статуса банковского холдинга финансовая организация-нерезидент Республики Казахстан представляет следующие документы:

1) сведения и документы, указанные в пункте 6 настоящей статьи;

1-1) письменное подтверждение от органа финансового надзора страны места нахождения заявителя о том, что финансовая организация-нерезидент Республики Казахстан, подлежит консолидированному надзору;

1-2) письменное разрешение (согласие) органа финансового надзора страны места нахождения заявителя на приобретение финансовой организацией-нерезидентом Республики Казахстан статуса банковского холдинга либо заявление уполномоченного органа соответствующего государства о том, что такое разрешение (согласие) по законодательству указанного государства не требуется;

2) письменное подтверждение от органа финансового надзора страны происхождения заявителя о там, что заявитель уполномочен осуществлять финансовую деятельность в рамках законодательства данной страны, либо заявление органа финансового надзора страны происхождения заявителя о том, что такое разрешение по законодательству данной страны не требуется.

7-1. Физические лица, желающие приобрести статус крупного участника банка с долей владения двадцать пять или более процентов размещенных (за вычетом привилегированных и выкупленных банком) акций, а также юридические лица, желающие приобрести статус банковского холдинга, в дополнение к документам и сведениям, указанным в настоящей статье, представляют бизнес-план, требования к которому устанавливаются уполномоченным органом, на ближайшие пять лет.

8. Лицами, совместно являющимися крупным участником банка, признаются лица, в сумме владеющие десятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) или имеющие возможность прямо или косвенно голосовать десятью или более процентами акций банка и:

1) совместно влияющие на решения банка в силу договора между ними или иным образом;

2) являющиеся в отдельности или взаимно крупными участниками друг друга;

3) одно из них является должностным лицом или представителем другого лица;

4) одно из них предоставило другому лицу возможность покупки акций банка в соответствии с заключенным между ними договором;

5) являющиеся близкими родственниками или супругами;

6) одно из них предоставило другому лицу возможность приобретения акций банка за счет подаренных им денег или безвозмездно полученного имущества.

9. Основаниями для отказа в выдаче уполномоченным органом согласия лицам, желающим стать крупным участником банка или банковским холдингом, являются:

несоблюдение требований подпунктами 3), 4), 5) и 6) пункта 3 статьи 20 настоящего Закона (в отношении физического лица или руководящих работников заявителя - юридического лица);

неустойчивое финансовое положение заявителя;

неустранение замечаний уполномоченного органа по представленным документам;

нарушение в результате приобретения заявителем статуса крупного участника банка или банковского холдинга требований законодательства Республики Казахстан в области защиты конкуренции;

случаи, когда в сделке по приобретению статуса крупного участника банка или банковского холдинга приобретающей стороной является юридическое лицо (его крупный участник (крупный акционер), зарегистрированное в оффшорных зонах, перечень которых устанавливается уполномоченным органом;

несоблюдение заявителем иных требований, установленных законодательными актами Республики Казахстан, к крупным участникам банка и банковским холдингам;

анализ финансовых последствий приобретения заявителем статуса крупного участника банка или банковского холдинга предполагает ухудшение финансового состояния банка;

отсутствие у заявителя - финансовой организации-нерезидента Республики Казахстан полномочий по осуществлению финансовой деятельности в рамках законодательства страны происхождения;

отсутствие у заявителя - юридического лица-нерезидента Республики Казахстан либо его родительской организации минимально необходимого рейтинга одного из международных рейтинговых агентств, перечень которых определяется уполномоченным органом, за исключением случаев, предусмотренных пунктом 1 настоящей статьи;

неэффективность представленного плана рекапитализации банка в случае возможного ухудшения финансового состояния банка;

отсутствие у заявителя - физического лица, у руководящего работника заявителя - юридического лица безупречной деловой репутации;

случаи, когда лицо ранее являлось либо является крупным участником-физическим лицом либо первым руководителем крупного участника – юридического лица и (или) руководящим работником финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан в период не более чем за один год до принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, решения об отнесении банка к категории неплатежеспособных банков либо принудительном выкупе его акций, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке, либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке. Указанное требование применяется в течение пяти лет после принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, решения об отнесении банка к категории неплатежеспособных банков либо принудительном выкупе его акций, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке. Для целей настоящего абзаца под финансовой организацией также понимаются филиал банка – нерезидента Республики Казахстан, филиал страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиал страхового брокера – нерезидента Республики Казахстан;

несоответствие законодательства в области консолидированного надзора за финансовыми организациями страны места нахождения заявителя – юридического лица требованиям по консолидированному надзору, установленным законодательными актами Республики Казахстан;

по крупным участникам-юридическим лицам и банковским холдингам, являющимся финансовыми организациями, – нерезидентам Республики Казахстан – отсутствие соглашения между уполномоченным органом и органами финансового надзора государства, резидентом которого является заявитель, предусматривающего обмен информацией;

случаи, когда заявитель – финансовая организация не подлежит надзору на консолидированной основе в стране своего места нахождения;

невозможность проведения консолидированного надзора за банковским конгломератом в связи с тем, что законодательство стран нахождения участников банковского конгломерата – нерезидентов Республики Казахстан делает невозможным выполнение ими и банковским конгломератом предусмотренных законами Республики Казахстан требований;

наличие оснований для отказа в выдаче разрешения на открытие банка.

В случае, если лицо, желающее приобрести статус банковского холдинга, создает или приобретает дочернюю финансовую организацию либо приобретает значительное участие в капитале финансовой организации, при рассмотрении уполномоченным органом представленных документов учитываются основания отказа, предусмотренные пунктом 6 статьи 11-1 настоящего Закона. При наличии оснований отказа в выдаче разрешения на создание (приобретение) дочерней организации, значительное участие

в уставном капитале организаций уполномоченный орган отказывает в выдаче согласия на приобретение статуса банковского холдинга или крупного участника банка.

10. Признаком неустойчивого финансового положения заявителя является наличие одного из следующих условий:

юридическое лицо-заявитель создано менее чем за два года до дня подачи заявления;

обязательства заявителя превышают его активы за вычетом суммы активов, размещенных в акции и доли участия в уставном капитале других юридических лиц, и предполагаемых к приобретению акций банка;

убытки по результатам каждого из двух завершенных финансовых лет;

размер обязательств заявителя представляет значительный риск для финансового состояния банка;

наличие просроченной и (или) отнесенной за баланс банка задолженности заявителя перед банком;

анализ финансовых последствий приобретения заявителем статуса крупного участника банка предполагает ухудшение финансового состояния заявителя;

стоимость имущества заявителя (за вычетом обязательств заявителя) недостаточна для приобретения акций банка;

иные основания, наличии неустойчивого финансового положения заявителя и (или) возможности нанесения ущерба банку и (или) его депозиторам.

11. При приобретении лицом признаков крупного участника банка либо банковского холдинга без письменного согласия уполномоченного органа уполномоченный орган вправе применить к данному лицу меры надзорного реагирования, предусмотренные настоящим Законом, в том числе принудительные меры, предусмотренные статьей 47-1 настоящего Закона, в части требований по реализации акций банка в срок не более шести месяцев.

12. Выдача согласия уполномоченного органа лицам, желающим стать банковским холдингом, осуществляется на условиях и в порядке, которые определены для крупного участника банка.

Лицо, желающее стать банковским холдингом, должно обеспечить выполнение требований, установленных уполномоченным органом, в части наличия систем управления рисками и внутреннего контроля, в том числе в отношении рисков, связанных с деятельностью дочерней организации.

12-1. Не являются крупными участниками банка, банковскими холдингами акционеры, которым в совокупности принадлежат десять и более процентов размещенных (за вычетом привилегированных и выкупленных банком) или голосующих акций банка и действующие на основании заключенного между ними соглашения, предусматривающего принятие ими решений по следующим вопросам:

1) созыв внеочередного общего собрания акционеров или обращение в суд с иском о его созыве в случае отказа совета директоров в созыве общего собрания акционеров;

2) включение дополнительных вопросов в повестку дня общего собрания акционеров;

3) созыв заседания совета директоров;

4) проведение аудиторской организацией аудита банка за свой счет.

13. Лицами, совместно являющимися банковским холдингом, признаются лица, в сумме владеющие двадцатью пятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) или имеющие возможность прямо или косвенно голосовать двадцатью пятью или более процентами акций банка и:

1) совместно влияющие на решения банка в силу договора между ними или иным образом;

2) являющиеся в отдельности или взаимно крупными участниками друг друга;

3) одно из них является представителем другого лица;

4) одно из них предоставило другому лицу возможность покупки акций банка в соответствии с заключенным между ними договором.

14. Решение по заявлению, поданному для получения статуса банковского холдинга или крупного участника банка в соответствии с требованиями настоящей статьи, должно быть принято уполномоченным органом в течение пятидесяти рабочих дней после подачи заявления.

Заявление о выдаче статуса крупного участника банка или банковского холдинга, поданное в рамках получения разрешения на открытие банка, рассматривается уполномоченным органом в сроки, установленные для рассмотрения заявления на выдачу разрешения на открытие банка.

Заявление о выдаче статуса крупного участника банка или банковского холдинга, поданное в рамках получения разрешения на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк, рассматривается уполномоченным органом в сроки, установленные для рассмотрения заявления на выдачу разрешения на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк.

Уполномоченный орган обязан письменно уведомить заявителя о результатах своего решения, при этом в случае отказа в выдаче согласия на приобретение соответствующего статуса в письменном уведомлении указываются основания отказа.

Уполномоченный орган при выдаче согласия лицу на приобретение статуса банковского холдинга одновременно выдает разрешение на значительное участие в капитале банка либо создание (приобретение) дочернего банка.

15. Уполномоченный орган вправе отозвать согласие, выданное в соответствии с настоящей статьей, приняв решение о его отмене в течение двух месяцев со дня обнаружения факта, являющегося основанием для отзыва согласия, в случае выявления недостоверных сведений, на основании которых было выдано согласие, или нарушения в результате приобретения заявителем статуса крупного участника или банковского холдинга требований законодательства Республики Казахстан в области защиты конкуренции, или несоблюдения крупными участниками или банковским холдингом требований законов Республики Казахстан. В этом случае лицо, к которому применяется такая мера, обязано в течение шести месяцев уменьшить количество принадлежащих ему акций банка до уровня ниже установленного настоящей статьей.

Лицо, у которого было отозвано согласие, выданное в соответствии с настоящей статьей, не вправе передавать в доверительное управление акции банка третьему лицу.

В случае неисполнения лицами, в отношении которых уполномоченным органом было принято решение об отзыве соответствующего согласия, требований настоящего пункта уполномоченный орган вправе обратиться в суд для исполнения данными лицами требований уполномоченного органа.

16. В случае, если лицо стало соответствовать признакам банковского холдинга, крупного участника банка без получения предварительного письменного согласия уполномоченного органа, оно не вправе предпринимать никаких действий, направленных на оказание влияния на руководство или политику банка, и (или) голосовать по таким акциям до тех пор, пока оно не получит письменного согласия уполномоченного органа в соответствии с положениями настоящей статьи.

В указанном случае лицо, соответствующее признакам банковского холдинга, крупного участника банка, обязано уведомить уполномоченный орган в течение десяти календарных дней с момента, когда ему стало известно, что оно соответствует признакам банковского холдинга, крупного участника банка.

Заявление о приобретении соответствующего статуса представляется в уполномоченный орган в течение тридцати календарных дней с момента, когда ему стало известно, что оно соответствует признакам банковского холдинга, крупного участника банка, если только это лицо не собирается произвести отчуждение акций в указанный срок. Информация о принятии решения об отчуждении акций предоставляется в уполномоченный орган немедленно с даты принятия такого решения.

В случае отказа в выдаче уполномоченным органом согласия лицу, соответствующему признакам банковского холдинга, крупного участника банка, указанное лицо обязано в течение шести месяцев с момента получения письменного уведомления уменьшить количество принадлежащих ему акций банка до уровня, ниже установленного настоящей статьей.

17. Уполномоченный орган вправе требовать предоставления информации у физических и юридических лиц при наличии сведений, указывающих на то, что это лицо соответствует признакам банковского холдинга или крупного участника банка или является прямым, косвенным владельцем акций банка, или имеет возможность на основе соглашения или иным образом голосовать акциями банка в размере, равном или превышающем пределы, установленные настоящей статьей, без согласия уполномоченного органа в соответствии с требованиями настоящего Закона. Информация может быть истребована от любого лица, обладающего ею, а также от организаций, находящихся под контролем этих лиц.

18. Крупный участник банка, банковский холдинг обязаны в течение тридцати календарных дней со дня принятия решения уведомить уполномоченный орган об изменении процентного соотношения количества принадлежащих ему акций банка к количеству размещенных (за вычетом привилегированных и выкупленных банком) акций и (или) к количеству голосующих акций банка, которыми он владеет прямо или косвенно или имеет возможность голосовать прямо или косвенно с представлением подтверждающих документов, за исключением случаев, когда такое изменение происходит вследствие выкупа собственных акций банком или банковским холдингом у иных акционеров.

В случае изменения количества акций банка (в процентном или абсолютном значении), принадлежащих крупному участнику банка, банковскому холдингу, к количеству размещенных (за вычетом привилегированных и выкупленных банком) акций и (или) к количеству голосующих акций банка в сторону увеличения крупный участник банка, банковский холдинг должны предоставить в уполномоченный орган информацию об источниках средств, используемых для приобретения акций банка, с приложением копий подтверждающих документов. Источники средств, используемых для приобретения акций банка крупными участниками банка – физическими лицами, определены в подпункте 1) пункта 4 настоящей статьи.

В случае изменения процентного соотношения количества акций банка до количества менее десяти или двадцати пяти процентов, принадлежащих крупному участнику банка, банковскому холдингу, к количеству размещенных (за вычетом привилегированных и выкупленных банком) акций и (или) к количеству голосующих акций банка по заявлению крупного участника банка, банковского холдинга либо в случае самостоятельного обнаружения уполномоченным органом фактов, являющихся основанием для отмены выданного согласия, ранее выданное письменное согласие уполномоченного органа считается отмененным со дня, следующего за днем получения уполномоченным органом указанного заявления либо обнаружения уполномоченным органом фактов, являющихся основанием для отмены выданного согласия.

Крупный участник банка, являющийся физическим лицом, в случае увеличения количества принадлежащих ему акций до двадцати пяти или более процентов размещенных (за вычетом привилегированных и выкупленных банком) акций банка, в дополнение к документам и сроки, указанные в настоящем пункте, представляет бизнес-план, требования к которому устанавливаются уполномоченным органом, на ближайшие пять лет.

19. Банк и банковский холдинг обязаны ежеквартально не позднее десятого числа месяца, следующего за отчетным кварталом, представлять в уполномоченный орган список всех своих крупных участников или банковских холдингов (для банков) с указанием количества принадлежащих им размещенных акций (за вычетом привилегированных и выкупленных) или долей участия в уставном капитале банка или банковского холдинга, а также их процентного соотношения.

20. Банки обязаны уведомить уполномоченный орган об изменении состава акционеров, владеющих десятью и более процентами голосующих и (или) размещенных (за вычетом привилегированных и выкупленных банком) акций банка, в течение пятнадцати календарных дней со дня установления ими данного факта.

21. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).
Сноска. Статья 17-1 в редакции Закона РК от 23.12.2005 № 107 (порядок введения в действие см. ст. 2); с изменениями, внесенными законами РК от 19.02.2007 № 230 (порядок введения в действие см. ст.2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 01.03.2011 № 414-IV (вводится в действие с 01.01.2010); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 19.03.2014 № 179-V (вводится в действие со дня его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие с 01.01.2014); от 29.10.2015 № 376-V (вводится в действие с 01.01.2016); от 18.11.2015 № 412-V (вводится в действие с 01.01.2021); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 25.11.2019 № 272-VI (порядок введения в действие см. ст. 3); от 03.07.2020 № 359-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 177-VII (вводится в действие со дня его первого официального опубликования).

Статья 17-2. Особенности приобретения объявленных акций банка Правительством Республики Казахстан

1. В случае, предусмотренном подпунктом 1) пункта 4 статьи 17 настоящего Закона, по предложению уполномоченного органа Правительство Республики Казахстан рассматривает возможность приобретения Правительством Республики Казахстан либо национальным управляющим холдингом объявленных акций банка в размере не менее десяти процентов от общего количества размещенных акций, включая приобретаемые Правительством либо национальным управляющим холдингом акции.

После рассмотрения предложения уполномоченного органа о возможности приобретения Правительством Республики Казахстан либо национальным управляющим холдингом объявленных акций банка в размере не менее десяти процентов от общего количества размещенных акций Правительство Республики Казахстана принимает решение о приобретении либо об отказе в приобретении акций банка.

Право государственной собственности на акции банка регистрируется за государственным органом, уполномоченным Правительством Республики Казахстан на распоряжение республиканской государственной собственностью.

2. Решение Правительства Республики Казахстан о приобретении акций банка должно содержать:

количество акций, на которое увеличивается общее количество объявленных акций банка, в случае отсутствия объявленных неразмещенных или выкупленных акций банка либо при недостаточности их количества;

цену размещения (реализации) и количество принудительно размещаемых (реализуемых) акций.

3. Цена размещения (реализации) и количество принудительно размещаемых (реализуемых) акций определяется решением Правительства Республики Казахстан на основании заключения уполномоченного органа по согласованию с национальным управляющим холдингом либо государственным органом, уполномоченным Правительством Республики Казахстан на распоряжение республиканской государственной собственностью, по рыночной цене, сложившейся на дату принятия решения о размещении (реализации) акций.

По инициативе государственного органа, уполномоченного Правительством Республики Казахстан на распоряжение республиканской государственной собственностью, либо национального управляющего холдинга цена размещения акций может быть определена оценщиком в соответствии с законодательством Республики Казахстан.

В случае определения цены размещения акций оценщиком затраты, связанные с оценкой, несет банк.

4. В течение трех рабочих дней с даты принятия решения Правительством Республики Казахстан о приобретении и об увеличении объявленных акций банка уполномоченный орган:

1) вносит изменения в проспект выпуска акций в порядке и на условиях, предусмотренных законодательством Республики Казахстан;

2) осуществляет государственную регистрацию изменений и дополнений в проспект;

3) направляет банку свидетельство о государственной регистрации выпуска акций и уведомляет центральный депозитарий об увеличении количества объявленных акций.

Банк в течение пяти календарных дней после даты получения свидетельства о государственной регистрации выпуска акций обязан возвратить оригинал выданного ранее свидетельства о государственной регистрации выпуска акций.

5. После приобретения акций банка государственный орган, уполномоченный Правительством Республики Казахстан на распоряжение республиканской государственной собственностью, либо национальный управляющий холдинг назначает членов исполнительного органа и (или) органа управления банка в количестве не более тридцати процентов от их состава, которые будут являться представителями интересов государства или национального управляющего холдинга.

Государственный орган, уполномоченный Правительством Республики Казахстан на распоряжение республиканской государственной собственностью, либо национальный управляющий холдинг созывает внеочередное общее собрание акционеров банка для рассмотрения вопросов о смене должностных лиц или работников банка, оптимизации активов банка, увеличении уставного капитала и иных вопросов в порядке, предусмотренном законодательством Республики Казахстан.

5-1. С момента приобретения Правительством Республики Казахстан либо национальным управляющим холдингом объявленных акций банка решения в отношении дочерних организаций данного банка принимаются советом директоров банка.

6. В случае улучшения финансового состояния банка, которое привело к выполнению им пруденциальных нормативов и (или) других обязательных к соблюдению норм и лимитов, Правительство Республики Казахстан принимает меры по реализации приобретенных в соответствии с настоящей статьей акций банка путем прямой адресной продажи либо путем торгов на фондовой бирже.

Реализация акций банка, приобретенных в соответствии с настоящей статьей, осуществляется в порядке и сроки, установленные Правительством Республики Казахстан.

7. Увеличение количества объявленных акций банка, приобретение объявленных акций банка Правительством Республики Казахстан либо национальным управляющим холдингом, а также назначение членов исполнительного органа и (или) органа управления банка на основании настоящей статьи осуществляются без принятия решений органами банка.

Акционеры не имеют права преимущественной покупки по объявленным акциям банка, размещаемым (реализуемым) в соответствии с пунктом 1 настоящей статьи.

Сноска. Глава 2 дополнена статьей 17-2 в соответствии с Законом РК от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 166-VI (порядок введения в действие см. ст. 2); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 18. Особенности создания дочерних банков банками - нерезидентами Республики Казахстан

1. Родительским банком по отношению к дочернему банку могут быть банки-нерезиденты Республики Казахстан, имеющие определенный рейтинг одного из рейтинговых агентств. Перечень рейтинговых агентств и минимальный требуемый рейтинг устанавливаются уполномоченным органом.

2. Исключен Законом РК от 10.07.2003 № 483 (вводится в действие с 01.01.2004).
Сноска. Статья 18 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Статья 19. Заявление о выдаче разрешения на открытие банка

1. Юридическое или физическое лицо вправе обратиться в уполномоченный орган с заявлением о выдаче разрешения на открытие банка.

2. Заявление подается на казахском или русском языках и должно содержать адрес заявителя.

3. К заявлению о выдаче разрешения на открытие банка, поданному по форме, установленной нормативным правовым актом уполномоченного органа, должны прилагаться следующие документы:

1) копия протокола учредительного собрания, засвидетельствованного нотариально и оформленного в установленном законодательством Республики Казахстан порядке;

2) сведения об учредителях – физических и юридических лицах с долей в уставном капитале банка менее десяти процентов (по перечню, определенному уполномоченным органом), в том числе финансовая отчетность учредителя – юридического лица за последние два завершенных финансовых года (включая консолидированную при наличии), заверенная аудиторской организацией.

Финансовая отчетность не представляется в случае наличия данной отчетности на интернет-ресурсе депозитария финансовой отчетности или возможности получения ее уполномоченным органом через веб-портал "электронного правительства";

3) документы и сведения в порядке, предусмотренном статьей 11-1 настоящего Закона;

4) документы и сведения в порядке, предусмотренном статьей 17-1 настоящего Закона, в случае необходимости получения заявителем статуса крупного участника банка или банковского холдинга, за исключением заявления и бизнес-плана, предусмотренных статьей 17-1 настоящего Закона;

5) копии документов, подтверждающих условия и порядок приобретения акций, а также источники и средства, используемые для приобретения акций. Источником, используемым для приобретения акций банка, являются средства, указанные в подпункте 1) пункта 4 статьи 17-1 настоящего Закона;

6) бизнес-план вновь создаваемого банка, утвержденный лицом, уполномоченным учредителями на подписание документов. Требования к содержанию бизнес-плана устанавливаются уполномоченным органом, включая раскрытие подробной структуры открываемого банка, стратегии деятельности, направлений и масштабов деятельности, финансовых перспектив (бюджет, расчетный баланс, счет прибылей и убытков за первые три финансовых (операционных) года, план маркетинга (формирования клиентуры банка), плана привлечения трудовых ресурсов, организацию управления рисками;

7) Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).
8) Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

9) копии учредительных документов (учредительный договор, устав), оформленных в установленном законодательством Республики Казахстан порядке (нотариально засвидетельствованные в случае непредставления оригиналов для сверки).

10) Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

4. Отчет аудиторской организации признается действительным при условии представления документов, подтверждающих, что она:

независима от акционеров проверяемых банков и их должностных лиц;

уполномочена на осуществление аудиторской деятельности в соответствии с лицензией и квалификационными требованиями по проведению обязательного аудита финансовых организаций уполномоченного государственного органа, осуществляющего государственное регулирование в области аудиторской деятельности и контроль за деятельностью аудиторских и профессиональных аудиторских организаций, либо в соответствии с лицензией на осуществление аудиторской деятельности компетентного органа государства, резидентом которого является.

5. Уполномоченный орган вправе запросить дополнительную информацию или документы, необходимые для принятия решения о выдаче разрешения на открытие банка.

6. Заявление о выдаче разрешения на открытие банка может быть отозвано заявителем в любой момент его рассмотрения уполномоченным органом.

Сноска. Статья 19 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 72 (порядок введения в действие см. ст.2); от 23.12.2005 № 107 (порядок введения в действие см. ст. 2); от 05.05.2006 № 139 (порядок введения в действие см. ст. 2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 20.11.2008 N 88-IV (порядок введения в действие см. ст.2); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 20. Требования, предъявляемые к руководящим работникам банка и банковского холдинга

1. Руководящими работниками банка признаются руководитель и члены органа управления, руководитель исполнительного органа, его заместитель и члены исполнительного органа, иные руководители банка, осуществляющие координацию и (или) контроль за деятельностью структурных подразделений банка и обладающие правом подписи документов, на основании которых проводятся банковские операции, главный бухгалтер, заместитель главного бухгалтера.

Не являются руководящими работниками банка первые руководители обособленных подразделений банка и их главные бухгалтеры, а также лица, обладающие правом подписи документов, на основании которых проводятся банковские операции, и осуществляющие контроль за деятельностью только одного структурного подразделения.

1-1. Руководящими работниками филиала банка – нерезидента Республики Казахстан признаются руководитель и его заместители, иные руководители филиала банка – нерезидента Республики Казахстан, осуществляющие координацию и (или) контроль за деятельностью структурных подразделений филиала банка – нерезидента Республики Казахстан и обладающие правом подписи документов, на основании которых проводятся банковские операции, главный бухгалтер, заместитель главного бухгалтера. Не менее двух руководящих работников филиала банка – нерезидента Республики Казахстан должны быть резидентами Республики Казахстан.

Руководитель филиала банка – нерезидента Республики Казахстан и его заместители не вправе занимать должность руководителя исполнительного органа либо лица, единолично осуществляющего функции исполнительного органа юридического лица, руководящего работника в других финансовых организациях и филиалах банков – нерезидентов Республики Казахстан, филиалах страховых (перестраховочных) организаций – нерезидентов Республики Казахстан, филиалах страховых брокеров – нерезидентов Республики Казахстан.

2. Банк обязан в течение ста двадцати календарных дней по окончании финансового года представлять в Национальный Банк Республики Казахстан отчетность, включающую сведения о доходах, выплаченных банком всем руководящим работникам банка в течение финансового года, по форме, установленной нормативным правовым актом Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

Требования к внутренней политике банка по оплате труда, начислению денежных вознаграждений, а также других видов материального поощрения руководящих работников банка определяются нормативным правовым актом уполномоченного органа.

3. Не может занимать (не может быть назначено (избрано) на) должность руководящего работника банка лицо:

1) не имеющее высшего образования;

2) не имеющее установленного настоящей статьей трудового стажа:

в международных финансовых организациях, перечень которых устанавливается уполномоченным органом;

и (или) в сфере регулирования, контроля и надзора финансового рынка и финансовых организаций;

и (или) в сфере предоставления финансовых услуг;

и (или) по проведению аудита финансовых организаций;

и (или) в сфере регулирования услуг по проведению аудита финансовых организаций;

2-1) не соответствующее требованиям, установленным настоящей статьей;

3) не имеющее безупречной деловой репутации;

4) ранее являвшееся руководителем, членом органа управления, руководителем исполнительного органа, его заместителем или членом исполнительного органа, главным бухгалтером, заместителем главного бухгалтера финансовой организации, руководителем, заместителем руководителя, главным бухгалтером, заместителем главного бухгалтера филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан, крупным участником-физическим лицом, руководителем крупного участника (банковского холдинга) – юридического лица финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, в период не более чем за один год до принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является банк – нерезидент Республики Казахстан, решения об отнесении банка, филиала банка – нерезидента Республики Казахстан к категории неплатежеспособных банков, филиалов банков – нерезидентов Республики Казахстан либо о принудительном выкупе акций банка, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке, либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке, либо вступления в законную силу решения суда о принудительном прекращении деятельности филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан в случаях, установленных законами Республики Казахстан.

Указанное требование применяется в течение пяти лет после принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является банк – нерезидент Республики Казахстан, решения об отнесении банка, филиала банка – нерезидента Республики Казахстан к категории неплатежеспособных банков, филиалов банков – нерезидентов Республики Казахстан либо принудительном выкупе акций банка, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке, либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке, либо вступления в законную силу решения суда о принудительном прекращении деятельности филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан в случаях, установленных законами Республики Казахстан.

Требование настоящего подпункта не распространяется на руководящих работников банков, пятьдесят и более процентов голосующих акций которых прямо или косвенно принадлежит национальному управляющему холдингу, в отношении которых была осуществлена реструктуризация в соответствии с настоящим Законом, за исключением руководящих работников, назначенных (избранных) до приобретения Правительством Республики Казахстан либо национальным управляющим холдингом акций указанных банков в соответствии со статьей 17-2 настоящего Закона;

5) у которого было отозвано согласие на назначение (избрание) на должность руководящего работника и (или) которое было отстранено от выполнения служебных обязанностей в данной и (или) в иной финансовой организации, банковском, страховом холдинге, данном и (или) ином филиале банка – нерезидента Республики Казахстан, филиале страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиале страхового брокера – нерезидента Республики Казахстан посредством применения меры надзорного реагирования. Указанное требование применяется в течение последних двенадцати последовательных месяцев после принятия уполномоченным органом решения об отзыве согласия на назначение (избрание) на должность руководящего работника или об отстранении от выполнения служебных обязанностей.

Не может занимать (не может быть назначено (избрано) на) должность руководящего работника банка также лицо, совершившее коррупционное преступление либо подвергнутое в течение трех лет до даты назначения (избрания) административному взысканию за совершение коррупционного правонарушения;

6) ранее являвшееся руководителем, членом органа управления, руководителем, членом исполнительного органа, главным бухгалтером финансовой организации, крупным участником (крупным акционером) – физическим лицом, руководителем, членом органа управления, руководителем, членом исполнительного органа, главным бухгалтером крупного участника (крупного акционера) – юридического лица-эмитента, допустившего дефолт по выплате купонного вознаграждения по выпущенным эмиссионным ценным бумагам в течение четырех и более последовательных периодов либо сумма задолженности которого по выплате купонного вознаграждения по выпущенным эмиссионным ценным бумагам, по которым был допущен дефолт, составляет четырехкратный и (или) более размер купонного вознаграждения, либо размер дефолта по выплате основного долга по выпущенным эмиссионным ценным бумагам составляет сумму, в десять тысяч раз превышающую месячный расчетный показатель, установленный законом о республиканском бюджете на дату выплаты. Указанное требование применяется в течение пяти лет с момента возникновения обстоятельств, предусмотренных настоящим подпунктом.

3-1. Не может занимать (не может быть назначено (избрано) на) должность члена совета директоров – независимого директора банка лицо, которое является лицом, связанным с банком особыми отношениями, и (или) являлся им в течение трех лет, предшествовавших дате подачи ходатайства о его согласовании на должность члена совета директоров – независимого директора банка.

4. Крупный участник банка не может быть назначен (избран) на должность руководителя исполнительного органа банка.

Число членов исполнительного органа должно составлять не менее трех человек.

5. Для соответствия требованию, предусмотренному подпунктом 2) пункта 3 настоящей статьи, необходимо наличие трудового стажа для кандидатов на должности:

1) руководителя или члена органа управления, являющегося членом исполнительного органа родительского банка, руководителя исполнительного органа, руководителя филиала банка – нерезидента Республики Казахстан – не менее пяти лет, в том числе не менее трех лет на руководящей должности;

2) руководителя органа управления банка – не менее пяти лет, в том числе не менее двух лет на руководящей должности;

3) членов исполнительного органа банка, заместителя руководителя исполнительного органа банка, заместителя руководителя филиала банка – нерезидента Республики Казахстан не менее трех лет, в том числе не менее двух лет на руководящей должности;

4) члена органа управления не менее двух лет, в том числе не менее одного года на руководящей должности;

5) главного бухгалтера банка, филиала банка – нерезидента Республики Казахстан не менее трех лет;

6) заместителя главного бухгалтера банка, филиала банка – нерезидента Республики Казахстан не менее двух лет;

7) иных руководителей банка, филиала банка – нерезидента Республики Казахстан, осуществляющих координацию и (или) контроль за деятельностью структурных подразделений банка, филиала банка – нерезидента Республики Казахстан и обладающих правом подписи документов, на основании которых проводятся банковские операции, не менее одного года.

Особенности по наличию трудового стажа для кандидатов, обладающих профессиональной квалификацией, подтвержденной международными сертификатами, и перечень таких сертификатов устанавливаются нормативным правовым актом уполномоченного органа.

Для кандидатов на должности членов исполнительного органа банка, курирующих исключительно вопросы безопасности, административно-хозяйственные вопросы, вопросы информационных технологий, наличие трудового стажа, предусмотренного подпунктом 2) пункта 3 настоящей статьи, не требуется.

В трудовой стаж, определенный настоящим пунктом, не включается работа в подразделениях финансовой организации, связанная с осуществлением хозяйственной деятельности, обеспечением безопасности, развитием информационных технологий, а также работа в обществе взаимного страхования и организации, осуществляющей микрофинансовую деятельность.

Член органа управления, являющийся независимым директором, не вправе занимать должность независимого директора данного банка более десяти последовательных лет, за исключением случаев, предусмотренных нормативным правовым актом уполномоченного органа.

5-1. Для целей подпунктов 1), 2), 3) и 4) части первой пункта 5 настоящей статьи под руководящей должностью понимается должность:

1) руководящего работника финансовой организации, филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан;

2) руководителя самостоятельного структурного подразделения финансовой организации, филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан, деятельность которого была связана с оказанием финансовых услуг;

3) первого руководителя и его заместителя, руководителя или заместителя руководителя самостоятельного структурного подразделения государственного органа в сфере регулирования финансовых услуг и (или) в сфере регулирования и государственного контроля в области аудиторской деятельности финансовых организаций;

4) иного руководителя финансовой организации, филиала банка – нерезидента Республики Казахстан, филиала страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиала страхового брокера – нерезидента Республики Казахстан, курировавшего вопросы, связанные с оказанием финансовых услуг.

6. Кандидат на должность руководящего работника банка не вправе осуществлять соответствующие функции без согласования с уполномоченным органом.

Член органа управления банка вправе осуществлять соответствующие функции без согласования с уполномоченным органом не более шестидесяти календарных дней со дня его избрания.

Руководящие работники лица, приобретающего статус банковского холдинга, вправе осуществлять соответствующие функции без согласования с уполномоченным органом не более шестидесяти календарных дней со дня приобретения лицом признаков банковского холдинга при получении юридическим лицом статуса банковского холдинга.

По истечении срока, указанного в настоящем пункте, и в случае непредставления полного пакета документов на согласование в уполномоченный орган либо отказа уполномоченным органом в согласовании банк обязан принять меры по прекращению полномочий данного руководящего работника.

Руководитель исполнительного органа банка (руководитель филиала банка – нерезидента Республики Казахстан), главный бухгалтер банка (филиала банка – нерезидента Республики Казахстан) не вправе занимать должность члена исполнительного органа (заместителя руководителя филиала банка – нерезидента Республики Казахстан), главного бухгалтера в других банках, в том числе являющихся нерезидентами Республики Казахстан, филиалах банка – нерезидента Республики Казахстан.

Указанное ограничение не применяется, если банки являются по отношению друг к другу родительской и дочерней организацией.

Запрещается исполнение обязанностей (замещение временно отсутствующего) руководящего работника банка лицами, не соответствующими требованиям настоящей статьи и не согласованными с уполномоченным органом, за исключением случаев возложения исполнения обязанностей руководителя исполнительного органа банка на члена исполнительного органа банка на срок не более тридцати календарных дней.

Уполномоченный орган рассматривает документы, представленные для выдачи согласия на назначение (избрание) руководящих работников банка, в течение тридцати рабочих дней с даты представления полного пакета документов в соответствии с требованиями нормативного правового акта уполномоченного органа.

Уполномоченный орган приостанавливает срок рассмотрения документов, представленных для получения согласия на назначение (избрание) руководящих работников банка, при формировании уполномоченным органом мотивированного суждения в отношении данных руководящих работников или кандидатов на должность руководящего работника. Данный срок приостанавливается с момента направления проекта мотивированного суждения в банк или руководящему работнику банка, или кандидату на должность руководящего работника банка до даты принятия уполномоченным органом мотивированного суждения.

Кандидат на должность руководящего работника банка, согласованный уполномоченным органом, вправе быть назначенным (избранным) на согласованную должность в течение двенадцати месяцев с момента получения согласия на назначение (избрание) руководящего работника банка.

Руководящий работник банка, согласованный с уполномоченным органом, может быть назначен на аналогичную должность руководящего работника в данном или ином банке без получения согласия уполномоченного органа в течение шести месяцев с даты прекращения полномочий руководящего работника банка, за исключением случая, предусмотренного частью тринадцатой настоящего пункта, и отзыва уполномоченным органом согласия на назначение (избрание) на должность руководящего работника банка по основаниям, предусмотренным пунктом 11 настоящей статьи.

Член органа управления банка, согласованный с уполномоченным органом на должность независимого директора, в течение шести месяцев с даты прекращения полномочий может быть повторно избран независимым директором без получения согласия уполномоченного органа только данного банка при соответствии требованиям, установленным настоящей статьей и подпунктом 20) статьи 1 Закона Республики Казахстан "Об акционерных обществах".

В случае, если по истечении указанных сроков уведомление о назначении (избрании) данного руководящего работника банка не представлено банком в уполномоченный орган, ранее выданное согласие на назначение (избрание) руководящего работника банка считается недействительным.

7. Порядок выдачи согласия уполномоченного органа на назначение (избрание) руководящего работника банка, банковского холдинга, включая критерии отсутствия безупречной деловой репутации, документы, необходимые для получения согласия, определяются нормативными правовыми актами уполномоченного органа.

За выдачу согласия на назначение (избрание) руководящего работника банка, банковского холдинга взимается сбор, размер и порядок уплаты которого определяются налоговым законодательством Республики Казахстан.

8. Уполномоченный орган отказывает в выдаче согласия на назначение (избрание) руководящих работников банка по следующим основаниям:

1) несоответствие руководящих работников банка и кандидатов на должности руководящих работников банка требованиям, установленным настоящей статьей, подпунктом 20) статьи 1, пунктом 4 статьи 54, пунктом 2 статьи 59 Закона Республики Казахстан "Об акционерных обществах" и статьей 9 Закона Республики Казахстан "О бухгалтерском учете и финансовой отчетности";

2) отрицательный результат тестирования.

Отрицательными результатами тестирования являются:

результат тестирования кандидата составляет менее семидесяти процентов правильных ответов;

нарушение кандидатом порядка тестирования, определенного уполномоченным органом;

неявка на тестирование в назначенное время до истечения срока согласования кандидата уполномоченным органом;

3) неустранение банком или кандидатом на должность руководящего работника банка замечаний уполномоченного органа в установленный уполномоченным органом срок или представление банком, банковским холдингом или кандидатом на должность руководящего работника банка доработанных с учетом замечаний уполномоченного органа документов по истечении установленного частью восьмой пункта 6 настоящей статьи срока рассмотрения документов уполномоченным органом;

3-1) нарушение установленного законодательством Республики Казахстан порядка избрания (назначения) кандидата на должность руководящего работника банка;

4) представление документов по истечении установленного пунктом 6 настоящей статьи срока, в течение которого руководящий работник занимает свою должность без согласования с уполномоченным органом;

5) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019);
6) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019);

7) наличие у уполномоченного органа сведений (фактов) о совершении кандидатом действий, признанных как совершенных в целях манипулирования на рынке ценных бумаг и (или) повлекших причинение ущерба третьему лицу (третьим лицам).

Данное требование применяется в течение одного года со дня наступления наиболее раннего из перечисленных событий:

признания уполномоченным органом действий кандидата как совершенных в целях манипулирования на рынке ценных бумаг;

получения уполномоченным органом фактов, подтверждающих причинение в результате совершения таких действий ущерба третьему лицу (третьим лицам);

8) наличие у уполномоченного органа сведений о том, что кандидат являлся работником финансовой организации, в отношении которой уполномоченным органом были применены меры надзорного реагирования и (или) на которую наложено административное взыскание за административное правонарушение, предусмотренное статьей 259 Кодекса Республики Казахстан об административных правонарушениях, за совершение действий, признанных как совершенных в целях манипулирования на рынке ценных бумаг, и (или) работником финансовой организации, действия которого повлекли причинение ущерба финансовой организации и (или) третьему лицу (третьим лицам), участвующим в сделке.

получения уполномоченным органом фактов, подтверждающих причинение в результате действий кандидата ущерба финансовой организации и (или) третьему лицу (третьим лицам).

Для целей настоящего подпункта под работником финансовой организации понимается руководящий работник либо лицо, исполнявшее его обязанности, и (или) трейдер фондовой биржи, в компетенцию которого входило принятие решений по вопросам, повлекшим за собой вышеуказанные нарушения.

К сведениям, указанным в подпунктах 7) и 8) части первой настоящего пункта, в том числе относятся сведения, полученные уполномоченным органом от органа финансового надзора государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан.

9. В случае отказа уполномоченного органа в выдаче согласия на назначение (избрание) члена органа управления банка либо прекращения его полномочий до выдачи указанного согласия или непредставления в уполномоченный орган документов на согласование в срок, предусмотренный пунктом 6 настоящей статьи, данное лицо может быть повторно назначено (избрано) на должность члена органа управления этого банка не ранее чем через девяносто календарных дней после получения отказа уполномоченного органа в выдаче согласия на его назначение (избрание), прекращения его полномочий, соответственно, но не более двух раз в течение двенадцати последовательных месяцев.

Банк обязан уведомить уполномоченный орган в течение пяти рабочих дней с даты принятия решения соответствующего органа банка обо всех изменениях, произошедших в составе руководящих работников, включая их назначение (избрание), перевод на другую должность, расторжение трудового договора и (или) прекращение полномочий, о привлечении руководящего работника к административной ответственности за совершение коррупционного правонарушения, а также об изменениях в фамилии, имени, отчестве (если оно указано в документе, удостоверяющем личность) руководящего работника с приложением копий подтверждающих документов.

В случае привлечения руководящего работника банка к уголовной ответственности банк уведомляет уполномоченный орган в течение пяти рабочих дней со дня, когда данная информация стала известна банку.

При наличии случаев, фактов и (или) обстоятельств, которые служат основанием для формирования и использования уполномоченным органом мотивированного суждения в соответствии со статьей 13-5 Закона Республики Казахстан "О государственном регулировании, контроле и надзоре финансового рынка и финансовых организаций", уполномоченный орган направляет банку уведомление о формировании в отношении руководящего работника банка мотивированного суждения.

Лицо, в отношении которого формируется мотивированное суждение, не вправе приступать к своим обязанностям до принятия решения уполномоченным органом в порядке и сроки, предусмотренные статьей 13-5 Закона Республики Казахстан "О государственном регулировании, контроле и надзоре финансового рынка и финансовых организаций".

Срок, предусмотренный частью восьмой пункта 6 настоящей статьи, приостанавливается до принятия решения уполномоченным органом в порядке и сроки, предусмотренные статьей 13-5 Закона Республики Казахстан "О государственном регулировании, контроле и надзоре финансового рынка и финансовых организаций

10. В случае двух последовательных отказов уполномоченного органа в выдаче согласия на назначение (избрание) на должность руководящего работника банка:

1) документы по согласованию данного лица могут быть повторно представлены в уполномоченный орган по истечении двенадцати последовательных месяцев со дня принятия уполномоченным органом решения о втором отказе в выдаче согласия на его назначение (избрание) в этом банке;

2) член органа управления банка может быть избран руководящим работником банка по истечении двенадцати последовательных месяцев со дня принятия уполномоченным органом решения о втором отказе в выдаче согласия на его избрание в этом банке.

11. Уполномоченный орган отзывает выданное согласие на назначение (избрание) на должность руководящего работника банка по следующим основаниям:

1) выявление недостоверных сведений, на основании которых было выдано согласие;

2) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019);

3) применение уполномоченным органом меры надзорного реагирования, указанной в подпункте 12) пункта 1 статьи 46 настоящего Закона;

4) исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019);

5) наличие неснятой или непогашенной судимости.

6) несоблюдение требований, установленных настоящей статьей.

Отзыв уполномоченным органом согласия на назначение (избрание) руководящего работника банка, банковского холдинга является основанием для отзыва ранее выданного (выданных) согласия (согласий) данному руководящему работнику в иных финансовых организациях, банковских, страховых холдингах, филиалах банков – нерезидентов Республики Казахстан, филиалах страховых (перестраховочных) организаций – нерезидентов Республики Казахстан, филиалах страховых брокеров – нерезидентов Республики Казахстан.

Банк обязан расторгнуть трудовой договор с руководящим работником банка либо в случае отсутствия трудового договора принять меры по прекращению полномочий руководящего работника банка в случаях:

1) отзыва уполномоченным органом согласия на назначение (избрание) на должность руководящего работника банка;

2) нарушения банком установленного законодательством Республики Казахстан порядка избрания (назначения) кандидата на должность руководящего работника.

Полномочия члена совета директоров банка, у которого уполномоченным органом отозвано согласие на назначение (избрание) на должность руководящего работника банка, прекращаются с момента получения банком и (или) банковским холдингом данного отзыва.

12. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

13. Руководитель и члены органа управления, руководитель и члены исполнительного органа организации, осуществляющей отдельные виды банковских операций, должны соответствовать требованиям, установленным настоящей статьей. В случае соответствия указанным требованиям руководитель и члены органа управления, руководитель и члены исполнительного органа назначаются (избираются) на должности без согласия уполномоченного органа. Организация, осуществляющая отдельные виды банковских операций, отстраняет по требованию уполномоченного органа руководителя и члена органа управления, руководителя и члена исполнительного органа в случае их несоответствия требованиям настоящей статьи.

В случае применения уполномоченным органом меры надзорного реагирования, указанной в подпункте 12) пункта 1 статьи 46 настоящего Закона, к руководителю (члену) органа управления, руководителю (члену) исполнительного органа организации, осуществляющей отдельные виды банковских операций, данная организация обязана расторгнуть трудовой договор с данным лицом либо принять меры по прекращению его полномочий.

Для руководителей исполнительного органа организации, осуществляющей отдельные виды банковских операций, являющейся дочерней организацией национального управляющего холдинга в сфере агропромышленного комплекса, в стаж работы, установленный подпунктом 2) пункта 3 настоящей статьи, включается также стаж работы в социально-предпринимательских корпорациях.

В отношении Национального оператора почты требования настоящего пункта распространяются на членов исполнительного органа, в должностные обязанности которых входит курирование вопросов, связанных с проведением отдельных видов банковских операций.

14. Руководящими работниками банковского холдинга признаются руководитель органа управления, его заместитель и члены органа управления, руководитель исполнительного органа, его заместитель и члены исполнительного органа, главный бухгалтер, заместитель главного бухгалтера, иные руководители банковского холдинга, осуществляющие координацию и (или) контроль за деятельностью дочерней (дочерних) организации (организаций) и (или) организации (организаций), в которой (которых) банковский холдинг имеет значительное участие в капитале.

15. Требования настоящей статьи распространяются на руководящих работников банковских холдингов, за исключением руководящих работников банковских холдингов-нерезидентов Республики Казахстан, при выполнении одного из следующих условий:

наличие у банковского холдинга индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения банковского холдинга о том, что он подлежит консолидированному надзору;

Сноска. Статья 20 в редакции Закона РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); с изменениями, внесенными законами РК от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 02.01.2021 № 399-VI (порядок введения в действие см. ст.2); от 01.07.2022 № 131-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 21. Дополнительные требования к созданию банка с участием нерезидентов Республики Казахстан

Физическое или юридическое лицо - нерезидент Республики Казахстан, являющееся учредителем банка, помимо документов, указанных в статье 19 настоящего Закона, обязано приложить к заявлению о выдаче разрешения на открытие банка письменное уведомление уполномоченного органа (для банков-нерезидентов Республики Казахстан - органа банковского надзора) соответствующего государства о том, что данному лицу разрешается владеть акциями банка-резидента Республики Казахстан, либо заявление уполномоченного органа (для банков-нерезидентов Республики Казахстан - органа банковского надзора) соответствующего государства о том, что такое разрешение по законодательству государства указанного учредителя не требуется.

Физическое или юридическое лицо – нерезидент Республики Казахстан, являющееся учредителем банка, созданного в рамках добровольной реорганизации микрофинансовой организации в форме конвертации в банк, дополнительно обязано приложить к заявлению о выдаче разрешения на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк письменное уведомление уполномоченного органа (для банков – нерезидентов Республики Казахстан – органа банковского надзора) соответствующего государства о том, что данному лицу разрешается владеть акциями банка – резидента Республики Казахстан, либо заявление уполномоченного органа (для банков – нерезидентов Республики Казахстан – органа банковского надзора) соответствующего государства о том, что такое разрешение по законодательству государства указанного учредителя не требуется.

Сноска. Статья 21 в редакции Закона РК от 23.12.2005 № 107 (порядок введения в действие см. ст. 2); с изменением, внесенным Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 22. Дополнительные требования к созданию и деятельности банков с иностранным участием

Сноска. Статья 22 исключена Законом РК от 23.12.2005 N 107 (порядок введения в действие см. ст. 2).

Статья 23. Порядок рассмотрения заявления о выдаче разрешения на открытие банка

1. Заявление о выдаче разрешения на открытие банка должно быть рассмотрено уполномоченным органом в течение шестидесяти пяти рабочих дней со дня подачи заявления.

2. Уведомление о выдаче разрешения на открытие банка направляется заявителю и в Корпорацию.

3. Уполномоченный орган ведет учет выданных разрешений на открытие банка.

Сноска. Статья 23 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 26.06.2020 № 349-VI(вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 24. Отказ в выдаче разрешения на открытие банка

1. Отказ в выдаче разрешения на открытие банка производится по любому из следующих оснований:

а) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020);

б) несоответствие наименования банка требованиям пунктов 2-4 статьи 15 настоящего Закона;

в) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020);

г) неустойчивость финансового положения учредителей банка. Под неустойчивостью финансового положения понимается наличие признаков, установленных пунктом 10 статьи 17-1 настоящего Закона;

г-1) в случаях, когда учредитель – физическое лицо либо первый руководитель исполнительного органа либо органа управления учредителя – юридического лица:

имеет непогашенную или неснятую судимость;

занимал должность первого руководителя органа управления, первого руководителя исполнительного органа или его заместителя, главного бухгалтера, заместителя главного бухгалтера финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, в период не более чем за один год до принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, решения об отнесении банка к категории неплатежеспособных банков либо принудительном выкупе его акций, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке, либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке. Указанное требование применяется в течение пяти лет после принятия уполномоченным органом или органом финансового надзора государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, решения об отнесении банка к категории неплатежеспособных банков либо принудительном выкупе его акций, лишении лицензии финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, повлекших их ликвидацию и (или) прекращение осуществления деятельности на финансовом рынке, либо вступления в законную силу решения суда о принудительной ликвидации финансовой организации, в том числе финансовой организации – нерезидента Республики Казахстан, или признании ее банкротом в установленном законодательством Республики Казахстан или законодательством государства, резидентом которого является финансовая организация – нерезидент Республики Казахстан, порядке. Для целей настоящего подпункта под финансовой организацией также понимаются филиал банка – нерезидента Республики Казахстан, филиал страховой (перестраховочной) организации – нерезидента Республики Казахстан, филиал страхового брокера – нерезидента Республики Казахстан;

г-2) несоблюдение требований статьи 17-1 настоящего Закона;

д) несоблюдение ограничений, установленных статьей 17 настоящего Закона;

д-1) отказ в выдаче согласия уполномоченным органом на приобретение статуса крупного участника банка, банковского холдинга;

д-2) отказ в выдаче разрешения на создание (приобретение) дочерней организации банка;

е) (исключен - Законом РК от 23.10.2008 N 72-IV (вводится в действие с 01.01.2009);
ж) (исключен - от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107);

з) бизнес-план создаваемого банка и иные представленные заявителем документы не показывают, что:

по истечении первых трех финансовых (операционных) лет деятельность банка будет рентабельной;

банк намерен соблюдать требования к ограничению риска и создать надлежащую структуру управления;

банк обладает организационной структурой, соответствующей планам его деятельности;

банк обладает учетной и контрольной структурой, соответствующей планам его деятельности.

2. Уполномоченный орган обязан письменно уведомить заявителя об основаниях отказа.

3. Выдача разрешения на открытие банка в случае несоблюдения условий статей 18-21 настоящего Закона не допускается.

Сноска. Статья 24 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 23.12.2005 N 107 (порядок введения в действие см. ст.2 Закона N 107); от 12.01.2007 N 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 25. Государственная регистрация банка, перерегистрация микрофинансовой организации в банк

Сноска. Заголовок статьи 25 с изменением, внесенным Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Государственная регистрация банка осуществляется Корпорацией на основании разрешения уполномоченного органа на открытие банка.

Государственная перерегистрация микрофинансовой организации в банк в рамках добровольной реорганизации микрофинансовой организации в форме конвертации в банк осуществляется Корпорацией на основании разрешения уполномоченного органа на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк и одобренного им отчета о реализации мероприятий, предусмотренных планом мероприятий по конвертации микрофинансовой организации в банк.

Банк, созданный в результате добровольной реорганизации микрофинансовой организации в форме конвертации в банк, является правопреемником всех ее прав (требований) и обязательств.

Сноска. Статья 25 в редакции Закона РК от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019); с изменениями, внесенными законами РК от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 26. Лицензирование банковских и иных операций

Сноска. Заголовок статьи 26 с изменениями, внесенными Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).

1. Лицензии на проведение банковских, а также иных установленных настоящим Законом операций выдаются уполномоченным органом или Национальным Банком Республики Казахстан в пределах своей компетенции и в порядке, определяемом уполномоченным органом или Национальным Банком Республики Казахстан, в соответствии с требованиями настоящего Закона.

Лицензии на проведение банковских и иных операций, предусмотренных статьей 52-5 настоящего Закона, выдаются уполномоченным органом только исламским банкам.

Лицензии на проведение банковских операций, предусмотренных подпунктами 1), 2), 3), 4), 5) и 6) пункта 1 статьи 52-5 настоящего Закона, выдаются уполномоченным органом только филиалам исламских банков-нерезидентов Республики Казахстан.

Лицензии филиалу банка-нерезидента Республики Казахстан на проведение банковских и иных операций выдаются уполномоченным органом при наличии у банка-нерезидента Республики Казахстан действующей лицензии на проведение аналогичных по существу банковских и иных операций, выданной органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан.

Уполномоченный орган вправе при выдаче или переоформлении лицензии уточнять наименования разрешенных к осуществлению операций банками и (или) организациями, осуществляющими отдельные виды банковских операций, в соответствии с законодательством Республики Казахстан.

За выдачу лицензии взимается сбор, размеры и порядок уплаты которого определяются законодательством Республики Казахстан.

2. В течение одного года со дня выдачи разрешения на открытие банка заявитель должен выполнить все организационно-технические мероприятия, в том числе подготовить помещение, оборудование и программное обеспечение по автоматизации ведения бухгалтерского учета и главной бухгалтерской книги, соответствующие требованиям нормативных правовых актов уполномоченного органа и Национального Банка Республики Казахстан, нанять соответствующий персонал, утвердить правила осуществления банковской и иной деятельности и обратиться в уполномоченный орган для получения лицензии на проведение банковских и иных операций.

Банк обязан обеспечить наличие в населенном пункте, где расположен исполнительный орган банка, собственного помещения с централизованным доступом к автоматизированной банковской информационной системе, требования к которому предусматриваются нормативным правовым актом уполномоченного органа.

Банк – нерезидент Республики Казахстан обязан обеспечить наличие на территории Республики Казахстан собственного помещения филиала банка – нерезидента Республики Казахстан с центром обработки данных (сервером), требования к которому предусматриваются нормативным правовым актом уполномоченного органа.

2-1. Перечень документов, необходимых для получения юридическими лицами – резидентами Республики Казахстан лицензии на проведение банковских и иных операций впервые:

1) заявление;

2) копия устава заявителя (нотариально засвидетельствованная в случае непредставления оригиналов для сверки);

3) документ, подтверждающий уплату в бюджет лицензионного сбора на право занятия отдельными видами деятельности, за исключением случаев оплаты через платежный шлюз "электронного правительства";

4) документы лиц, предлагаемых на должности руководящих работников банка, в соответствии с требованиями статьи 20 настоящего Закона;

5) положения о службе внутреннего аудита, кредитном комитете, утвержденные советом директоров банка;

6) штатное расписание с указанием фамилий, имен и отчеств (если они указаны в документе, удостоверяющем личность) сотрудников;

7) копии документов, подтверждающих оплату уставного капитала, минимальный размер которого установлен нормативным правовым актом уполномоченного органа;

8) документы, подтверждающие выполнение требований пункта 2 настоящей статьи, в порядке, установленном нормативными правовыми актами уполномоченного органа.

2-2. Перечень документов, необходимых для получения филиалом банка – нерезидента Республики Казахстан лицензии на проведение банковских и иных операций впервые:

1) документы, подтверждающие выполнение требований пункта 2 настоящей статьи, в порядке, установленном нормативными правовыми актами уполномоченного органа;

2) документы, предусмотренные подпунктами 1), 3), 4) и 6) пункта 2-1 настоящей статьи;

3) документ, подтверждающий формирование активов, принимаемых в качестве резерва, в соответствии с частью второй пункта 6 статьи 42 настоящего Закона;

4) положения о службе внутреннего аудита, кредитном комитете, утвержденные советом директоров банка – нерезидента Республики Казахстан.

2-3. В течение одного года со дня выдачи разрешения уполномоченного органа на добровольную реорганизацию микрофинансовой организации в форме конвертации в банк в соответствии с Законом Республики Казахстан "О микрофинансовой деятельности" заявитель должен выполнить все организационно-технические мероприятия, предусмотренные пунктом 2 настоящей статьи, и не позднее тридцати календарных дней до окончания срока конвертации, указанного в разрешении уполномоченного органа, обратиться в уполномоченный орган для получения лицензии на проведение банковских и иных операций.

3. Для получения лицензии на проведение дополнительных банковских и иных операций действующий банк должен:

1) обеспечить выполнение пруденциальных нормативов в течение трех последовательных месяцев, предшествовавших обращению за получением лицензии на проведение дополнительных банковских операций;

2) обеспечить наличие систем управления рисками и внутреннего контроля, соответствующих требованиям уполномоченного органа;

3) представить правила об общих условиях проведения дополнительных видов банковских операций.

4. Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

5. Заявление о выдаче лицензии на проведение банковских и иных операций должно быть рассмотрено уполномоченным органом или Национальным Банком Республики Казахстан в течение тридцати рабочих дней со дня представления документов, соответствующих требованиям законодательства Республики Казахстан.

Заявление о выдаче лицензии на проведение банковских и иных операций, поданное в рамках добровольной реорганизации микрофинансовой организации в форме конвертации в банк, должно быть рассмотрено уполномоченным органом в течение десяти рабочих дней со дня представления документов, соответствующих требованиям законодательства Республики Казахстан.

Заявление о переоформлении лицензии, за исключением случаев, предусмотренных статьей 34 Закона Республики Казахстан "О разрешениях и уведомлениях", должно быть рассмотрено уполномоченным органом в течение пятнадцати рабочих дней со дня представления документов, соответствующих требованиям законодательства Республики Казахстан.

6. Лицензия на проведение банковских и иных операций в национальной и (или) иностранной валюте выдается на неограниченный срок.

7. Лицензия на проведение банковских и иных операций не подлежит передаче третьим лицам.

8. Все виды банковских и иных операций могут осуществляться только при наличии прямого указания в лицензии на право их проведения.

9. Решение о предоставлении лицензии на проведение банковских и иных операций размещается на интернет-ресурсе уполномоченного органа или Национального Банка Республики Казахстан на казахском и русском языках.

10. Удостоверенная надлежащим образом копия лицензии на проведение банковских и иных операций подлежит размещению в месте, доступном для обозрения клиентам банка.

Сноска. Статья 26 в редакции Закона РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); с изменениями, внесенными законами РК от 02.07.2018 № 166-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 27. Основания отказа в выдаче лицензии на проведение банковских или иных операций

1. Отказ в выдаче лицензии на проведение банковской или иной операции производится в случаях:

1) несоблюдения любого из требований, установленных пунктами 2 и 3 статьи 26, пунктом 5 статьи 52-17 настоящего Закона;

2) несоблюдения банковским конгломератом, в состав которого входит банк, установленных пруденциальных нормативов и других обязательных к соблюдению норм и лимитов в период за шесть месяцев до подачи заявления;

2-1) невыполнения требования по формированию активов филиала банка-нерезидента Республики Казахстан, принимаемых в качестве резерва, в соответствии с частью второй пункта 6 статьи 42 настоящего Закона;

2-2) отсутствия у банка-нерезидента Республики Казахстан действующей лицензии на проведение аналогичной по существу банковской или иной операции, выданной органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан;

3) несоответствия размера, состава и структуры уставного капитала банка требованиям статьи 16 настоящего Закона;

4) несоответствия представленных документов требованиям законодательства Республики Казахстан;

5) несоответствия руководящего работника юридического лица, желающего получить лицензию на проведение отдельных видов банковских операций, требованиям статьи 20 настоящего Закона, несогласования руководящего работника из числа кандидатов, предлагаемых к назначению (избранию) (для вновь создаваемого банка, открываемого филиала банка-нерезидента Республики Казахстан);

6) несоблюдения требования, указанного в пункте 1-1 статьи 20 настоящего Закона, по наличию в числе руководящих работников филиала банка-нерезидента Республики Казахстан не менее двух руководящих работников-резидентов Республики Казахстан.

2. В случае получения отказа в выдаче лицензии, за исключением случая, установленного пунктом 3 настоящей статьи, заявитель устраняет несоответствия и вновь обращается с заявлением на получение лицензии с представлением исправленных документов, на основании которых был направлен отказ в выдаче лицензии.

3. В случае получения отказа в выдаче лицензии по основанию, предусмотренному подпунктом 5) пункта 1 настоящей статьи, заявитель устраняет несоответствия и вновь обращается с заявлением на получение лицензии с представлением документов лиц, предлагаемых на должности руководящих работников банка, в соответствии с требованиями статьи 20 настоящего Закона взамен лиц, в согласовании которых было отказано.

Сноска. Статья 27 в редакции Закона РК от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); с изменениями, внесенными Законом РК от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 28. Изменения и дополнения в учредительные документы банка

1. Исключен Законом РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования).
2. Исключен Законом РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

2-1. После государственной регистрации изменений и (или) дополнений, вносимых в учредительные документы, требующих перерегистрации в Корпорации, банк в течение четырнадцати календарных дней с даты перерегистрации обязан представить в уполномоченный орган нотариально засвидетельствованную копию изменений и (или) дополнений в учредительные документы с отметкой и печатью Корпорации.

В случае внесения изменений и (или) дополнений в учредительные документы, не требующих перерегистрации, банк обязан в течение четырнадцати календарных дней с даты отметки Корпорации о приеме письма банка представить в уполномоченный орган копию данного письма банка, а также нотариально засвидетельствованную копию изменений и (или) дополнений в учредительные документы.

3. Условия, основания и порядок добровольного преобразования банка в организацию, осуществляющую отдельные виды банковских операций, определяются нормативными правовыми актами уполномоченного органа.

Сноска. Статья 28 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019).

Статья 29. Создание, закрытие филиалов и представительств банка

1. Банк-резидент Республики Казахстан на основании решения совета директоров банка без согласия уполномоченного органа вправе открывать свои обособленные подразделения - филиалы и представительства как на территории Республики Казахстан, так и за ее пределами.

2. Банк в течение тридцати рабочих дней с даты учетной регистрации своего филиала и представительства в Корпорации обязан письменно уведомить уполномоченный орган об их открытии с приложением:

1) исключен Законом РК от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования);

2) нотариально засвидетельствованной копии положения о филиале или представительстве с отметкой и печатью Корпорации;

3) исключен Законом РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования);

4) нотариально засвидетельствованной копии доверенности, выданной первому руководителю филиала или представительства.

3. На создание, закрытие филиала или представительства банка на территории Республики Казахстан согласия местных представительных и исполнительных органов не требуется.

4. Филиал банка - обособленное подразделение банка, не являющееся юридическим лицом, расположенное вне места нахождения банка, осуществляющее банковскую деятельность от имени банка и действующее в пределах полномочий, предоставленных ему банком. Филиал банка имеет единые с банком баланс, а также наименование, полностью совпадающее с наименованием банка.

Филиал банка вправе иметь помещения, расположенные по нескольким адресам в пределах одной области.

Филиал банка с местом нахождения в столице и (или) городе республиканского значения вправе иметь помещения, расположенные по нескольким адресам:

в столице и (или) городе республиканского значения;

в пределах области, прилегающей к столице (городу республиканского значения).

5. Представительство банка - обособленное подразделение банка, не являющееся юридическим лицом, расположенное вне места нахождения банка, действующее от имени и по поручению банка и не осуществляющее банковскую деятельность.

6. Обязательным условием открытия банком филиалов, увеличения количества дополнительных помещений филиалов, в том числе находящихся по нескольким адресам, является неприменение уполномоченным органом или судом к банку в течение трех месяцев, предшествующих дате учетной регистрации филиала в Корпорации или дате принятия банком решения об увеличении количества дополнительных помещений действующего филиала банка, в том числе находящихся по нескольким адресам, санкции, предусмотренной пунктом 1 статьи 47-2 настоящего Закона, а также административных взысканий за административные правонарушения, предусмотренные частями шестой, седьмой, восьмой и девятой статьи 213, частью первой статьи 227 Кодекса Республики Казахстан об административных правонарушениях.

В случае увеличения количества дополнительных помещений филиала банка-нерезидента Республики Казахстан требование о выполнении обязательного условия, предусмотренного частью первой настоящего пункта, применяется к филиалу банка-нерезидента Республики Казахстан.

7. Банк-резидент Республики Казахстан вправе открыть представительства при условии безубыточной деятельности банка по итогам последнего завершенного финансового года.

8. При внесении изменений и (или) дополнений в положения о филиале, представительстве, требующих учетной перерегистрации в Корпорации, банк – резидент Республики Казахстан обязан в течение тридцати рабочих дней с даты учетной перерегистрации в Корпорации представить в уполномоченный орган нотариально засвидетельствованную копию изменений и (или) дополнений в положения о филиале, представительстве.

При внесении изменений и (или) дополнений в положения о филиале, представительстве, не требующих учетной перерегистрации в Корпорации, банк – резидент Республики Казахстан обязан в течение тридцати рабочих дней с даты отметки Корпорации о приеме письма банка представить в уполномоченный орган копию указанного письма банка, нотариально засвидетельствованные копии изменений и (или) дополнений в положения о филиале, представительстве.

В случае увеличения количества дополнительных помещений филиала банка, уменьшения количества помещений филиала банка или изменения местонахождения помещений филиала банка банк обязан в течение тридцати рабочих дней с даты принятия банком решения об увеличении количества дополнительных помещений филиала банка, уменьшении количества помещений филиала банка или изменении местонахождения помещений филиала банка представить в уполномоченный орган выписку из такого решения, содержащую адреса указанных помещений филиала банка.

В случае увеличения количества дополнительных помещений филиала банка – нерезидента Республики Казахстан, уменьшения количества или изменения местонахождения его помещений филиал банка – нерезидента Республики Казахстан обязан в течение тридцати рабочих дней с даты принятия филиалом банка – нерезидента Республики Казахстан решения об увеличении количества дополнительных помещений филиала банка – нерезидента Республики Казахстан, уменьшении количества помещений филиала банка – нерезидента Республики Казахстан или изменении их местонахождения представить в уполномоченный орган выписку из такого решения филиала, содержащую адреса указанных помещений филиала банка – нерезидента Республики Казахстан.

8-1. Банк-резидент Республики Казахстан вправе открыть филиал за пределами Республики Казахстан только в случае наличия соглашения между уполномоченным органом и соответствующим надзорным органом иностранного государства об обмене информацией.

9. Банк-резидент Республики Казахстан в случае открытия филиалов и представительств за пределами Республики Казахстан обязан в течение тридцати календарных дней с даты регистрации в соответствующем органе государства письменно уведомить уполномоченный орган об их открытии с приложением документов, подтверждающих регистрацию в соответствующем органе государства.

10. Банк-нерезидент Республики Казахстан вправе открыть свое представительство без получения согласия уполномоченного органа.

11. Представительство банка – нерезидента Республики Казахстан в течение тридцати рабочих дней с даты учетной регистрации в Корпорации должно письменно уведомить уполномоченный орган об открытии с приложением:

2) нотариально засвидетельствованной копии положения о представительстве с отметкой и печатью Корпорации;

3) письменного подтверждения органа банковского надзора соответствующего государства о том, что банк-нерезидент Республики Казахстан обладает действующей лицензией на банковскую деятельность;

4) письменного уведомления органа банковского надзора соответствующего государства о том, что он не возражает против открытия представительства банка-нерезидента Республики Казахстан на территории Республики Казахстан, либо заявления органа банковского надзора или авторитетной юридической службы соответствующего государства о том, что такое разрешение по законодательству государства банка-нерезидента Республики Казахстан не требуется;

5) нотариально засвидетельствованной доверенности на имя руководителя представительства банка.

12. Открытие филиалов банков-нерезидентов в Республике Казахстан разрешено на условиях, предусмотренных настоящим Законом.

13. Представительство банка – нерезидента Республики Казахстан обязано в течение тридцати рабочих дней с даты учетной перерегистрации в Корпорации уведомить уполномоченный орган о внесении изменений и (или) дополнений в положение о представительстве с приложением копий этих документов.

В случае внесения изменений и (или) дополнений в положение о представительстве, не влекущих учетную перерегистрацию, представительство банка – нерезидента Республики Казахстан обязано в течение тридцати рабочих дней с даты приема Корпорацией заявления (электронного уведомления) и документов о внесенных изменениях и (или) дополнениях представить в уполномоченный орган документ, подтверждающий их принятие, и нотариально засвидетельствованные копии изменений и (или) дополнений в положение о представительстве.

14. Банк в течение тридцати рабочих дней с даты снятия с учетной регистрации своего филиала и (или) представительства в Корпорации (соответствующего регистрирующего органа государства – при прекращении деятельности филиала или представительства за пределами Республики Казахстан) должен письменно уведомить уполномоченный орган о прекращении их деятельности с приложением нотариально засвидетельствованной копии документа Корпорации (соответствующего регистрирующего органа государства – при прекращении деятельности филиала или представительства за пределами Республики Казахстан), подтверждающего снятие с учетной регистрации филиала и (или) представительства банка.

15. Уполномоченный орган требует закрытия филиала либо дополнительного помещения филиала или представительства банка-резидента и дополнительного помещения филиала либо представительства банка-нерезидента Республики Казахстан в случае невыполнения требований пунктов 6, 7, 8-1, 11 и 13 настоящей статьи.

Уполномоченный орган применяет к банку меры надзорного реагирования в случае невыполнения требований пунктов 2, 8, 9 и 14 настоящей статьи.

16. Требования пунктов 6 и 7 настоящей статьи не распространяются на банк в связи с открытием им филиалов и (или) представительств и (или) увеличением количества дополнительных помещений действующих филиалов, в том числе находящихся по нескольким адресам, в результате проведения операции, предусмотренной статьями 61-4 и 61-11 настоящего Закона, а также при реорганизации банка в форме присоединения к нему другого банка.

Сноска. Статья 29 в редакции Закона РК от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); с изменениями, внесенными законами РК от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.12.2012 № 60-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 05.07.2014 № 236-V (вводится в действие с 01.01.2015); от 27.04.2015 № 311-V (вводится в действие с 01.09.2014); от 24.11.2015 № 422-V (порядок введения в действие см. ст. 2); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 03.07.2020 № 359-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).
Глава 3. (Заголовок главы 3 исключен - Законом РК от 8 июля 2005 г. N 72 (порядок введения в действие см. ст.2).

Статья 30. Банковская деятельность

1. Банковской деятельностью является осуществление банками банковских и иных операций, установленных настоящей статьей.

2. К банковским операциям относятся:

1) прием депозитов, открытие и ведение банковских счетов юридических лиц;

2) прием депозитов, открытие и ведение банковских счетов физических лиц;

3) открытие и ведение корреспондентских счетов банков и организаций, осуществляющих отдельные виды банковских операций;

4) открытие и ведение банками металлических счетов физических и юридических лиц, на которых отражается физическое количество аффинированных драгоценных металлов и монет из драгоценных металлов, принадлежащих данному лицу;

5) кассовые операции: прием и выдача банками и Национальным оператором почты наличных денег, включая их размен, обмен, пересчет, сортировку, упаковку и хранение;

6) переводные операции: выполнение поручений физических и юридических лиц по платежам и переводам денег. Лицензия на осуществление переводной операции выдается банкам и юридическим лицам, указанным в пункте 6-1 настоящей статьи;

7) учетные операции: учет (дисконт) векселей и иных долговых обязательств физических и юридических лиц;

8) банковские заемные операции: предоставление банком, ипотечной организацией, организацией, не являющейся банком, осуществляющей брокерскую и (или) дилерскую деятельность на рынке ценных бумаг, или организациями, осуществляющими кредитование субъектов агропромышленного комплекса, сто процентов голосующих акций которых прямо или косвенно принадлежат национальному управляющему холдингу, кредитов в денежной форме на условиях платности, срочности и возвратности;

9) обменные операции с иностранной валютой, включая обменные операции с наличной иностранной валютой;

10) (исключен - от 12 января 2007 года N 222);
11) (исключен - от 12 января 2007 года N 222);

12) инкассация банкнот, монет и ценностей;

13) прием на инкассо платежных документов (за исключением векселей);

14) открытие (выставление) и подтверждение аккредитива и исполнение обязательств по нему;

15) выдача банками банковских гарантий, предусматривающих исполнение в денежной форме;

16) выдача банками банковских поручительств и иных обязательств за третьих лиц, предусматривающих исполнение в денежной форме.

2-1. Банковской деятельностью филиала банка-нерезидента Республики Казахстан является осуществление филиалом банка-нерезидента Республики Казахстан банковских и иных операций, указанных в подпунктах 1), 2), 3), 4), 5), 6), 7), 8), 12), 13), 14), 15) и 16) пункта 2, подпунктах 1), 2), 3), 4), 6), 7), 8) и 9) пункта 11 настоящей статьи.

Филиал банка-нерезидента Республики Казахстан при наличии лицензии уполномоченного органа вправе осуществлять на территории Республики Казахстан виды профессиональной деятельности на рынке ценных бумаг, указанные в подпунктах 1) и 2) пункта 12 настоящей статьи.

3. К банковским операциям не относится деятельность по предоставлению микрокредитов организациями, осуществляющими микрофинансовую деятельность, в соответствии с законодательством Республики Казахстан о микрофинансовой деятельности.

4. Исключен Законом РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

5. Лицензия банкам на проведение банковских и иных операций, предусмотренных настоящей статьей, выдается уполномоченным органом.

Банковские операции, предусмотренные подпунктами 1), 3), 5), 9) и 12) пункта 2 настоящей статьи, осуществляются Национальным оператором почты без лицензии уполномоченного органа.

6. Проведение одного или нескольких видов банковских операций, предусмотренных пунктом 2 настоящей статьи, может осуществляться организацией, осуществляющей отдельные виды банковских операций, при наличии лицензии уполномоченного органа или Национального Банка Республики Казахстан, за исключением следующих случаев:

1) когда законом Республики Казахстан, регулирующим деятельность такой организации, предусмотрена возможность осуществления указанных операций без лицензии;

2) когда проведение банковских операций, предусмотренных подпунктом 8) пункта 2 настоящей статьи, осуществляется дочерними организациями банков, приобретающими сомнительные и безнадежные активы родительского банка, а также организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, без лицензии.

Лицензия организациям, осуществляющим отдельные виды банковских операций, на проведение банковских операций, предусмотренных пунктом 2 настоящей статьи, выдается уполномоченным органом или Национальным Банком Республики Казахстан, за исключением случаев, предусмотренных пунктом 7 настоящей статьи.

Лицензия на банковскую операцию, предусмотренную подпунктом 9) пункта 2 настоящей статьи, выдается организациям, осуществляющим отдельные виды банковских операций:

в части обменных операций с наличной иностранной валютой – юридическим лицам, осуществляющим деятельность исключительно через обменные пункты;

в части обменных операций с безналичной иностранной валютой – иным организациям.

6-1. Банковская операция, предусмотренная подпунктом 6) пункта 2 настоящей статьи, осуществляется фондовой биржей, клиринговой организацией, осуществляющей функции центрального контрагента, центральным депозитарием при наличии у указанных юридических лиц лицензии уполномоченного органа на проведение банковских операций, предусмотренных подпунктами 1) и (или) 3) пункта 2 настоящей статьи, а также операционным центром межбанковской системы переводов денег.

Иные юридические лица проводят банковские операции, предусмотренные подпунктами 1) и 6) пункта 2 настоящей статьи, в пределах полномочий, установленных законами Республики Казахстан.

Организации, не являющиеся банками, осуществляющие брокерскую и (или) дилерскую деятельность на рынке ценных бумаг, вправе осуществлять отдельные виды банковских операций на основании соответствующих лицензий уполномоченного органа в порядке, определенном законодательством Республики Казахстан о рынке ценных бумаг.

7. Банковская операция, предусмотренная подпунктом 6) пункта 2 настоящей статьи, осуществляется без лицензии уполномоченного органа государственными органами, Национальным оператором почты, а также Банком Развития Казахстана в соответствии с законами Республики Казахстан, регулирующими их деятельность.

Банковская операция, предусмотренная подпунктом 6) пункта 2 настоящей статьи, осуществляется без лицензии уполномоченного органа организацией, осуществляющей регистрацию сделок с ценными бумагами на территории Международного финансового центра "Астана", для осуществления расчетов по сделкам с финансовыми инструментами, заключенным на фондовой бирже Международного финансового центра "Астана".

7-1. Юридическим лицам, исключительной деятельностью которых является инкассация банкнот, монет и ценностей на основании лицензии Национального Банка Республики Казахстан, запрещается заниматься иными видами деятельности (операциями), за исключением деятельности по пересчету, сортировке, упаковке, хранению банкнот, монет и ценностей, а также их выдаче банкам и их клиентам по поручению банков.

8. Порядок лицензирования банковских операций, а также иных операций, осуществляемых банками, предусмотренных настоящей статьей, устанавливается нормативным правовым актом уполномоченного органа.

9. Порядок лицензирования банковских операций, осуществляемых организациями, осуществляющими отдельные виды банковских операций, предусмотренных настоящей статьей, устанавливается нормативными правовыми актами уполномоченного органа и Национального Банка Республики Казахстан в пределах их компетенции.

10. Нормативными правовыми актами уполномоченного органа и Национального Банка Республики Казахстан могут быть установлены дополнительные требования для банков и организаций, осуществляющих отдельные виды банковских операций, связанные с получением ими лицензий на отдельные виды деятельности.

11. Банки, помимо банковских операций, предусмотренных пунктом 2 настоящей статьи, вправе осуществлять при наличии лицензии уполномоченного органа следующие операции:

1) покупку, прием в залог, учет, хранение и продажу аффинированных драгоценных металлов (золота, серебра, платины, металлов платиновой группы) в слитках, монет из драгоценных металлов;

2) покупку, прием в залог, учет, хранение и продажу ювелирных изделий, содержащих драгоценные металлы и драгоценные камни;

3) операции с векселями: принятие векселей на инкассо, предоставление услуг по оплате векселя плательщиком, а также оплата домицилированных векселей, акцепт векселей в порядке посредничества;

4) осуществление лизинговой деятельности;

5) выпуск собственных ценных бумаг (за исключением акций);

6) факторинговые операции: приобретение прав требования платежа с покупателя товаров (работ, услуг) с принятием риска неплатежа;

7) форфейтинговые операции (форфетирование): оплату долгового обязательства покупателя товаров (работ, услуг) путем покупки векселя без оборота на продавца;

8) доверительные операции: управление деньгами, правами требования по банковским займам и аффинированными драгоценными металлами в интересах и по поручению доверителя;

9) сейфовые операции: услуги по хранению ценных бумаг, выпущенных в документарной форме, документов и ценностей клиентов, включая сдачу в аренду сейфовых ящиков, шкафов и помещений.

12. Банки вправе осуществлять следующие виды профессиональной деятельности на рынке ценных бумаг:

1) брокерскую - с государственными ценными бумагами Республики Казахстан и стран, имеющих минимальный требуемый рейтинг одного из рейтинговых агентств либо без такового по решению уполномоченного органа, производными ценными бумагами и производными финансовыми инструментами, перечень и порядок приобретения базовых активов которых определяются уполномоченным органом;

2) дилерскую - с государственными ценными бумагами Республики Казахстан и стран, имеющих минимальный требуемый рейтинг одного из рейтинговых агентств либо без такового по решению уполномоченного органа, а также производными ценными бумагами и производными финансовыми инструментами, перечень и порядок приобретения базовых активов которых определяются уполномоченным органом, иными ценными бумагами в случаях, установленных статьей 8 настоящего Закона;

3) кастодиальную;

4) трансфер-агентскую.

Лицензия на осуществление банками одного или нескольких совместимых из вышеуказанных видов профессиональной деятельности на рынке ценных бумаг выдается уполномоченным органом.

Перечень рейтинговых агентств и минимальный требуемый рейтинг, предусмотренные подпунктами 1) и 2) настоящего пункта, определяются уполномоченным органом.

Банк, соответствующий установленным нормативным правовым актом уполномоченного органа критериям, осуществляет на основании лицензии брокерскую деятельность в соответствии с законодательством Республики Казахстан о рынке ценных бумаг без учета положений подпункта 1) части первой настоящего пункта.

12-1. Банки и организации, осуществляющие отдельные виды банковских операций, вправе собирать копии документов, удостоверяющих личность нерезидентов, для целей, предусмотренных настоящим Законом.

13. Банковские операции, предусмотренные подпунктом 2) пункта 2 настоящей статьи, вправе проводить только банки, являющиеся участниками системы обязательного гарантирования депозитов, а также Национальный оператор почты в соответствии с законодательным актом Республики Казахстан, регулирующим его деятельность, на основании лицензии, выданной уполномоченным органом.

Условием получения лицензии на проведение банковской операции, предусмотренной подпунктом 2) пункта 2 настоящей статьи, является функционирование банка в течение одного календарного года с даты получения вновь созданным банком лицензии на проведение банковских операций в соответствии с настоящей статьей.

Помимо условий, предусмотренных частями первой и второй настоящего пункта, условием проведения филиалами банков-нерезидентов Республики Казахстан банковских операций, предусмотренных подпунктом 2) пункта 2 настоящей статьи, является прием от физического лица вклада не ниже суммы, равной в эквиваленте ста двадцати тысячам долларов США.

Банковские операции, предусмотренные подпунктом 2) пункта 2 настоящей статьи, могут осуществляться центральным депозитарием, организациями, не являющимися банками, осуществляющими брокерскую и (или) дилерскую деятельность на рынке ценных бумаг, с учетом особенностей, определенных законодательством Республики Казахстан о рынке ценных бумаг.

14. Правила настоящей статьи распространяются на деятельность исламских банков в части, не противоречащей требованиям к деятельности исламских банков, указанным в статье 52-1 настоящего Закона.

Сноска. Статья 30 в редакции Закона РК от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); от 07.07.2006 N 178 (вводится в действие со дня его официального опубликования); с изменениями, внесенными законами РК от 12.01.2007 N 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 10.12.2008 N 101-IV (вводится в действие с 01.01.2009); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 01.03.2011 № 414-IV (вводится в действие с 01.01.2010); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 26.11.2012 № 57-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие с 01.01.2015); от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 09.04.2016 № 499-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 26.07.2016 № 12-VІ (вводится в действие по истечении тридцати календарных дней после дня его первого официального опубликования); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 166-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 27.12.2021 № 87-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 11.12.2023 № 44-VIII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 31. Общие требования к операциям, проводимым банками

1. Банки вправе осуществлять банковскую деятельность только при наличии правил, определяющих общие условия проведения операций, и внутренних правил.

1-1. Исключен Законом РК от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования).

2. Правила об общих условиях проведения операций должны быть утверждены советом директоров банка и содержать следующие сведения и процедуры:

1) предельные суммы и сроки принимаемых депозитов и предоставляемых кредитов;

2) предельные величины ставок вознаграждения по депозитам и кредитам;

3) условия выплаты вознаграждения по депозитам и кредитам;

4) требования к принимаемому банком обеспечению;

5) предельные величины ставок и тарифов на проведение банковских операций;

6) предельные сроки принятия решения о предоставлении банковских услуг;

7) порядок рассмотрения обращений клиентов, возникающих в процессе предоставления банковских услуг;

8) права и обязанности банка и его клиента, их ответственность;

9) права и обязанности исламского банка и его клиента, условия проведения банковских операций исламского банка и связанные с ними риски;

10) положение о порядке работы с клиентами;

11) иные условия, требования и ограничения, которые совет директоров банка считает необходимым включить в общие условия проведения операций.

Правила об общих условиях проведения операций должны соответствовать порядку предоставления банковских услуг и рассмотрения банками, организациями, осуществляющими отдельные виды банковских операций, обращений клиентов, возникающих в процессе предоставления банковских услуг, определяемому нормативным правовым актом уполномоченного органа.

2-1. Правила об общих условиях проведения операций исламского банка утверждаются советом директоров исламского банка с учетом требования, предусмотренного пунктом 3 статьи 52-2 настоящего Закона.

3. Внутренние правила банка должны определять:

а) структуру, задачи, функции и полномочия подразделений банка;

б) структуру, задачи, функции и полномочия службы внутреннего аудита, кредитного комитета и других постоянно действующих органов;

в) права и обязанности руководителей структурных подразделений;

г) полномочия должностных лиц и работников банка при осуществлении ими сделок от его имени и за его счет.

4. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

5. Банк несет ответственность за неправомерные действия (бездействие) лица, оказывающего банку услуги на основании договора (соглашения) по привлечению клиентов, по осуществлению проверки на соответствие требованиям банка, передаче документов клиентов банку (далее – лицо, оказывающее услуги банку) на условиях соответствующего договора (соглашения) банка с указанным лицом.

Договор (соглашение) между банком и лицом, оказывающим услуги банку, подлежит предъявлению клиенту для обозрения и в обязательном порядке должен содержать ответственность банка за неправомерные действия лица, оказывающего банку услуги, указанные в части первой настоящего пункта, перед клиентом.

Порядок деятельности лица, оказывающего услуги банку на основании заключенного договора (соглашения) между банком и лицом, оказывающим услуги банку, устанавливается правилами оказания услуг банку по привлечению клиентов, осуществлению проверки на соответствие требованиям банка, передаче документов клиентов банку, утверждаемыми уполномоченным органом.

Сноска. Статья 31 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 16.05.2003 N 416; от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 09.04.2016 № 499-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 31-1. Уведомление об утверждении финансовых продуктов банком, организацией, осуществляющей отдельные виды банковских операций

Банк, организация, осуществляющая отдельные виды банковских операций, уведомляют уполномоченный орган об утверждении финансовых продуктов органом банка, организации, осуществляющей отдельные виды банковских операций, уполномоченным на утверждение финансовых продуктов, в течение десяти рабочих дней со дня их утверждения.

Перечень финансовых продуктов, об утверждении которых банк, организация, осуществляющая отдельные виды банковских операций, уведомляют уполномоченный орган, порядок уведомления уполномоченного органа об утверждении финансовых продуктов банком, организацией, осуществляющей отдельные виды банковских операций, а также перечень документов, прилагаемых к уведомлению, определяются нормативными правовыми актами уполномоченного органа.".

Сноска. Глава 3 дополнена статьей 31-1 в соответствии с Законом РК от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); в редакции Закона РК от 29.03.2016 № 479-V (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования).

Статья 32. Обязанность банка по раскрытию общих условий проведения операций

1. Общие условия проведения операций являются открытой информацией и не могут быть предметом коммерческой или банковской тайны.

Настоящая норма не распространяется на условия проведения конкретной операции, которая относится в соответствии с настоящим Законом к банковской тайне либо отнесена банком в соответствии с действующим законодательством к категории коммерческой тайны.

2. Банки обязаны по первому требованию клиента предоставлять Правила об общих условиях проведения операций.

3. Банки не вправе отказать клиенту в предоставлении информации о возможных рисках, связанных с проведением операции.

4. Исключен Законом РК от 19.02.2007 № 230 (порядок введения в действие см. ст.2).

5. Исламские банки обязаны разъяснять клиентам особенности банковских операций, указанных в статье 52-5 настоящего Закона, и связанные с ними риски.

6. Банк в течение десяти рабочих дней после получения лицензии на проведение банковских или иных операций направляет уведомление клиентам способом, предусмотренным договором о предоставлении микрокредита, о состоявшейся добровольной реорганизации микрофинансовой организации в форме конвертации в банк с указанием перечня проводимых банковских и иных операций.

7. Банку, созданному в результате добровольной реорганизации микрофинансовой организации в форме конвертации в банк, запрещается изменять условия договоров о предоставлении микрокредита, за исключением изменения условий в сторону их улучшения для заемщиков.

Сноска. Статья 32 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 33. Договорный характер отношений между банком и клиентом

1. Отношения между банками, а также между банками и их клиентами осуществляются на основании договоров, если иное не предусмотрено законодательством Республики Казахстан.

2. Клиенты банка вправе открывать банковские счета в других банках с уведомлением банка-кредитора, если иное не предусмотрено законодательством Республики Казахстан.

3. Положения подпунктов 2), 3), 5), 8), 9) и 10) части первой пункта 1 статьи 46, подпунктов 2), 3) и 5) пункта 2 статьи 47-1, пунктов 1 и 7 статьи 48-1, пунктов 5 и 7 статьи 59-3, пункта 3 статьи 61-6, пункта 4 статьи 61-8, пунктов 2 и 3 статьи 61-9, пункта 1 статьи 61-10, подпункта 1) пункта 13 статьи 61-11, пункта 4 статьи 61-12, пункта 2 статьи 61-13, пункта 2 статьи 65, пунктов 1 и 4-1 статьи 73 и пункта 5 статьи 74-3 настоящего Закона не применяются в отношении зачета требований и (или) ликвидационного неттинга по сделке (сделкам) в рамках генерального финансового соглашения.

Стороны генерального финансового соглашения осуществляют (применяют) зачет требований и (или) ликвидационный неттинг по сделке (сделкам) в рамках генерального финансового соглашения в порядке и на условиях, определенных в генеральном финансовом соглашении.

Нетто-требование, возникшее (рассчитанное) в результате зачета требований и (или) ликвидационного неттинга, осуществленного (примененного) в порядке и на условиях, определенных в генеральном финансовом соглашении, удовлетворяется на общих основаниях в соответствии с правилами расчетов с кредиторами, установленными настоящим Законом и гражданским законодательством Республики Казахстан.

Сноска. Статья 33 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 34. Банковская заемная операция

1. Информация о договорах банковского займа, осуществления лизинговой, факторинговой, форфейтинговой операций, учета векселей, выпуска гарантий, поручительств, аккредитивов, заключенных банком, организацией, осуществляющей отдельные виды банковских операций, подлежит в обязательном порядке предоставлению в кредитное бюро с государственным участием на условиях, определенных законодательством Республики Казахстан о кредитных бюро и формировании кредитных историй.

2. Порядок заключения договора банковского займа, в том числе требования к содержанию, оформлению, обязательным условиям договора банковского займа, формы графика погашения займа и памятки для заемщика – физического лица, утверждается нормативным правовым актом уполномоченного органа с учетом требований, установленных гражданским законодательством Республики Казахстан.

2-1. Исключен Законом РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

3. Банк, организация, осуществляющая отдельные виды банковских операций, не вправе изменять условия договора банковского займа в одностороннем порядке, за исключением случаев их улучшения для заемщика.

Под улучшением условий договора банковского займа для заемщика для целей настоящего пункта понимаются:

изменение в сторону уменьшения или полная отмена комиссий и иных платежей за оказание услуг, связанных с обслуживанием банковского займа;

изменение в сторону уменьшения или полная отмена неустойки (штрафа, пени);

изменение в сторону уменьшения ставки вознаграждения по договору банковского займа;

отсрочка и (или) рассрочка платежей по договору банковского займа;

изменение в сторону уменьшения денежного обязательства по ипотечному займу, выданному в иностранной валюте, при замене иностранной валюты займа на национальную валюту Республики Казахстан.

В договоре банковского займа может быть предусмотрен дополнительный перечень улучшающих условий для заемщика.

В случае применения банком, организацией, осуществляющей отдельные виды банковских операций, улучшающих условий заемщик уведомляется об изменении условия договора банковского займа в порядке, предусмотренном договором банковского займа, за исключением случая, предусмотренного абзацем шестым части второй настоящего пункта.

Заемщик вправе в течение четырнадцати календарных дней с даты получения уведомления отказаться в порядке, предусмотренном в договоре банковского займа, от примененных банком, организацией, осуществляющей отдельные виды банковских операций, улучшающих условий.

В случае применения банком, организацией, осуществляющей отдельные виды банковских операций, улучшающего условия, предусмотренного абзацем шестым части второй настоящего пункта, в целях реализации Программы рефинансирования ипотечных жилищных займов (ипотечных займов), утвержденной Национальным Банком Республики Казахстан, публикуется объявление о таком условии. Объявление публикуется в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на казахском и русском языках. Отсутствие письменного возражения от заемщика и (или) залогодателя в течение тридцати календарных дней со дня публикации объявления рассматривается как согласие заемщика и (или) залогодателя на применение улучшающего условия, предусмотренного абзацем шестым части второй настоящего пункта.

3-1. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).

4. Не допускается индексация обязательства и платежей по договору банковского займа, выданного в тенге, с привязкой к любому валютному эквиваленту. Данное ограничение не распространяется на договоры, заключаемые между банками.

5. Запрещается предоставление банковских займов лицам, зарегистрированным в оффшорных зонах, перечень которых устанавливается уполномоченным органом.

5-1. Лицо вправе установить добровольный отказ от получения банковских займов либо снять его посредством веб-портала "электронного правительства".

5-2. Банку, организации, осуществляющей отдельные виды банковских операций, запрещается предоставлять банковские займы лицу при наличии в его кредитном отчете информации об установлении им добровольного отказа от получения банковского займа.

6. Банк, организация, осуществляющая отдельные виды банковских операций, не вправе в одностороннем порядке приостанавливать выдачу новых займов в рамках заключенного (заключенных) договора (договоров) банковского займа, за исключением случаев:

1) предусмотренных договором банковского займа, при которых у банка, организации, осуществляющей отдельные виды банковских операций, возникает право не осуществлять предоставление новых займов;

2) нарушения заемщиком своих обязательств перед банком, организацией, осуществляющей отдельные виды банковских операций, по договору банковского займа;

3) ухудшения финансового состояния заемщика, выявленного по результатам мониторинга, проводимого банком, организацией, осуществляющей отдельные виды банковских операций, в соответствии с требованиями нормативного правового акта уполномоченного органа;

4) изменения требований законодательства Республики Казахстан, влияющих на надлежащее исполнение банком, организацией, осуществляющей отдельные виды банковских операций, договора банковского займа.

6-1. По договору банковского займа заемщика – физического лица, не связанного с осуществлением предпринимательской деятельности, банку, организации, осуществляющей отдельные виды банковских операций, запрещается требовать выплаты вознаграждения, неустойки (штрафов, пени), а также комиссий и иных платежей, связанных с выдачей и обслуживанием займа, начисленных по истечении девяноста последовательных календарных дней просрочки исполнения обязательства по погашению любого из платежей по суммам основного долга и (или) вознаграждения.

Требование настоящего пункта не распространяется на договор банковского займа в случае, если на дату его заключения сумма основного долга полностью обеспечивалась залогом имущества, подлежащего регистрации, и (или) залогом денег.

6-2. При изменении условий исполнения договора банковского займа физического лица, не связанного с осуществлением предпринимательской деятельности, или выдаче нового займа в целях погашения банковского займа физического лица, не связанного с осуществлением предпринимательской деятельности, начисление вознаграждения на капитализированные (суммированные) к сумме основного долга просроченное вознаграждение, неустойку (штрафы, пени), комиссии и иные платежи, связанные с выдачей и обслуживанием займа, не допускается.

7. Заемщик - физическое лицо, получившее заем, не связанный с осуществлением предпринимательской деятельности, на приобретение товаров, работ и услуг, вправе в течение четырнадцати календарных дней с даты заключения договора банковского займа вернуть заем с оплатой вознаграждения, начисленного банком с даты предоставления займа.

В случае, предусмотренном настоящим пунктом, неустойка или иные виды штрафных санкций за возврат займа не взимаются.

7-1. Сумма произведенного заемщиком платежа по договору банковского займа, заключенному с физическим лицом, в случае, если она недостаточна для исполнения обязательства заемщика по договору банковского займа, погашает задолженность заемщика в следующей очередности:

1) задолженность по основному долгу;

2) задолженность по вознаграждению;

3) неустойка (штраф, пеня) в размере, определенном в соответствии с пунктом 2 статьи 35 настоящего Закона;

4) сумма основного долга за текущий период платежей;

5) вознаграждение, начисленное за текущий период платежей;

5-1) задолженность по комиссиям и иным платежам, связанным с выдачей и обслуживанием займа;

6) издержки кредитора по получению исполнения.

По истечении девяноста последовательных календарных дней просрочки сумма произведенного заемщиком платежа по договору банковского займа, заключенному с физическим лицом, в случае, если она недостаточна для исполнения обязательства заемщика по договору банковского займа, погашает задолженность заемщика в следующей очередности:

1) задолженность по основному долгу;

2) задолженность по вознаграждению;

3) сумма основного долга за текущий период платежей;

4) вознаграждение, начисленное за текущий период платежей;

5) неустойка (штраф, пеня) в размере, определенном в соответствии с пунктом 2 статьи 35 настоящего Закона;

5-1) комиссии и иные платежи, связанные с выдачей и обслуживанием займа;

6) издержки кредитора по получению исполнения.

8. Банковские заемные операции осуществляются в соответствии с Правилами о внутренней кредитной политике, утверждаемыми органом управления банка, ипотечной организации или организации, осуществляющей кредитование субъектов агропромышленного комплекса, сто процентов голосующих акций которых прямо или косвенно принадлежат национальному управляющему холдингу.

9. Органом, осуществляющим внутреннюю кредитную политику, является кредитный комитет банка.

10. Правила о внутренней кредитной политике разрабатываются в целях снижения риска при осуществлении банковских заемных операций и определяют:

1) условия предоставления кредитов физическим и юридическим лицам;

2) условия предоставления кредитов должностным лицам и работникам банка;

3) организационную структуру, функции и полномочия кредитного комитета;

4) ответственность членов кредитного комитета;

5) лимиты кредитования;

6) процедуру утверждения кредитных договоров;

6-1) необходимость наличия кредитного скоринга для выдачи физическому лицу банковского займа;

7) предельные сроки рассмотрения заявлений о выдаче кредита, принятия решений о выдаче (отказе в выдаче) кредита, об изменении условий кредитования.

10-1. При рассмотрении вопроса о выдаче банковского займа банк учитывает кредитный скоринг физического лица, рассчитанный на основании собственной методики, или кредитный скоринг, предоставленный кредитным бюро.

11. В случае, если условиями о предоставлении займа предусмотрены требования о заключении договоров страхования и (или) на проведение оценки в целях определения рыночной стоимости имущества, являющегося обеспечением, банк, организация, осуществляющая отдельные виды банковских операций, не вправе ограничивать заемщика, залогодателя в выборе страховой организации и (или) оценщика.

Договором банковского займа на заемщика не может быть возложена обязанность страховать свою жизнь или здоровье.

12. Нормы, установленные пунктами 4, 5, 8 – 11 настоящей статьи, распространяются на операции банков по выдаче гарантий и поручительств, а также на операции исламских банков, указанные в подпунктах 3), 4), 4-1) и 5) пункта 1 статьи 52-5 настоящего Закона.

13. Особенности и ограничения проведения банковских заемных и иных операций исламского банка устанавливаются главой 4-1 настоящего Закона.

14. При уступке прав (требований) по договору банковского займа третьему лицу требования и ограничения, предъявляемые законодательством Республики Казахстан к взаимоотношениям кредитора с заемщиком в рамках договора банковского займа, распространяют свое действие на правоотношения заемщика с третьим лицом, которому уступлены права (требования) по договору банковского займа, а в случае передачи прав (требований) по договору банковского займа в доверительное управление сервисной компании требования и ограничения, предъявляемые законодательством Республики Казахстан к взаимоотношениям кредитора с заемщиком в рамках договора банковского займа, распространяют свое действие на правоотношения заемщика с сервисной компанией.

Нарушение третьим лицом, которому уступлены права (требования) по договору банковского займа, а также сервисной компанией требований и ограничений, предъявляемых законодательством Республики Казахстан к взаимоотношениям кредитора с заемщиком в рамках договора банковского займа, влечет ответственность, установленную законами Республики Казахстан.

Сноска. Статья 34 в редакции Закона РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 17.07.2015 № 333-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.11.2015 № 422-V (порядок введения в действие см. ст. 2); от 06.05.2017 № 63-VI (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 24.05.2018 № 156-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 27.12.2019 № 291-VІ (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2020 № 359-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021); от 27.12.2021 № 87-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 31.12.2021 № 100 (порядок введения в действие см ст.2); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 11.12.2023 № 44-VIII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 34-1. Особенности ипотечного займа физического лица, не связанного с предпринимательской деятельностью

1. До заключения договора ипотечного займа с физическим лицом, не связанного с предпринимательской деятельностью, банк, организация, осуществляющая отдельные виды банковских операций, обязаны осуществить всестороннюю, полную и качественную оценку кредитоспособности (платежеспособности) заемщика в соответствии с внутренними правилами банка, организации, осуществляющей отдельные виды банковских операций (далее – надлежащая оценка кредитоспособности заемщика).

Для целей настоящей статьи надлежащей оценкой кредитоспособности заемщика признаются мероприятия банка, организации, осуществляющей отдельные виды банковских операций, по определению:

1) возможности исполнения обязательств заемщиком по договору ипотечного займа физического лица, не связанного с предпринимательской деятельностью, подтвержденной одним из следующих документов по усмотрению банка, организации, осуществляющей отдельные виды банковских операций:

выпиской единого накопительного пенсионного фонда с индивидуального пенсионного счета за последние шесть месяцев;

справкой о доходах с места работы за последние шесть месяцев;

налоговой декларацией по индивидуальному подоходному налогу заемщика – физического лица за последний налоговый период;

иными документами, отражающими наличие возможности исполнения обязательств заемщика по договору ипотечного займа физического лица, не связанного с предпринимательской деятельностью, в соответствии с внутренними документами и процедурами банка, организации, осуществляющей отдельные виды банковских операций;

2) наличия либо отсутствия кредитной истории заемщика за последние шесть месяцев;

3) наличия либо отсутствия задолженности по налогам и другим обязательным платежам в бюджет;

4) наличия либо отсутствия задолженности, отраженной в кредитном отчете, перед третьими лицами.

Надлежащая оценка кредитоспособности заемщика в совокупности со сведениями по заемщику учитывает сведения по физическому лицу (созаемщику), выступающему по договору ипотечного займа физического лица, не связанного с предпринимательской деятельностью, в качестве солидарно ответственного за выполнение обязательств по возврату займа.

Банк, организация, осуществляющая отдельные виды банковских операций, не несут ответственность за представление заемщиком (созаемщиком) недостоверной информации для осуществления банком, организацией, осуществляющей отдельные виды банковских операций, надлежащей оценки кредитоспособности заемщика, предусмотренной настоящим пунктом.

2. Запрещается предоставление ипотечных займов, не связанных с предпринимательской деятельностью, в иностранной валюте физическим лицам, не имеющим доход в данной валюте в течение шести последовательных месяцев, предшествующих дате обращения физического лица.

3. Банк, организация, осуществляющая отдельные виды банковских операций, не вправе по договорам ипотечного займа физического лица, не связанного с предпринимательской деятельностью, устанавливать и взимать комиссии за ведение банковского счета, связанного с выдачей и обслуживанием ипотечного займа, а также за зачисление займа на банковский счет.

4. При изменении условий исполнения договора ипотечного жилищного займа физического лица, не связанного с предпринимательской деятельностью, или выдаче нового займа в целях погашения ипотечного жилищного займа капитализация (суммирование) просроченного вознаграждения, неустойки (штрафа, пени) к сумме основного долга не допускается.

5. Заемщик, являющийся физическим лицом, обязан обеспечить целевое использование ипотечного жилищного займа.

Банк, организация, осуществляющая отдельные виды банковских операций, осуществляют контроль за целевым использованием ипотечного жилищного займа физического лица в порядке, установленном договором ипотечного жилищного займа.

При нецелевом использовании ипотечного жилищного займа физического лица, не связанного с предпринимательской деятельностью, заемщик обязан досрочно возвратить банку, организации, осуществляющей отдельные виды банковских операций, ипотечный жилищный заем и выплатить вознаграждение в части использованного ипотечного жилищного займа, начисленное по договору ипотечного жилищного займа за весь период пользования предметом ипотечного жилищного займа.

6. Заемщик информирует банк, организацию, осуществляющую отдельные виды банковских операций, обо всех изменениях, связанных с личностью заемщика, в течение пятнадцати рабочих дней со дня таких изменений.

К изменениям, связанным с личностью заемщика, относятся изменение его места жительства, перемена фамилии, имени, отчества (если оно указано в документе, удостоверяющем личность), замена документов, удостоверяющих личность, изменение контактной информации, используемой для связи с заемщиком, и способа связи.

Заявление банка, организации, осуществляющей отдельные виды банковских операций, о неполучении информации от заемщика обо всех изменениях, связанных с его личностью, не является нарушением со стороны заемщика требований настоящей статьи, если заемщик докажет, что информация была направлена надлежащим образом.

7. Исключен Законом РК от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021).
8. Исключен Законом РК от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021).

9. В целях предотвращения увеличения задолженности заемщика, являющегося физическим лицом, банку, организации, осуществляющей отдельные виды банковских операций, запрещается требовать выплаты вознаграждения, неустойки (штрафов, пени), а также комиссий и иных платежей, связанных с выдачей и обслуживанием займа, начисленных по истечении ста восьмидесяти последовательных календарных дней просрочки исполнения обязательства по погашению любого из платежей по суммам основного долга и (или) вознаграждения по договору ипотечного займа физического лица, не связанного с предпринимательской деятельностью.

10. Сумма произведенного заемщиком платежа, если она недостаточна для исполнения обязательства заемщика по договору ипотечного займа физического лица, не связанного с предпринимательской деятельностью, погашает задолженность заемщика в следующей очередности:

1) задолженность по вознаграждению;

2) задолженность по комиссиям и иным платежам, связанным с выдачей и обслуживанием ипотечного займа;

3) неустойка (штраф, пеня) в размере, определенном в соответствии с пунктом 2 статьи 35 настоящего Закона;

4) вознаграждение, начисленное за текущий период платежей;

5) комиссии и иные платежи, связанные с выдачей и обслуживанием ипотечного займа;

6) издержки банка, организации, осуществляющей отдельные виды банковских операций, по получению исполнения;

7) задолженность по основному долгу;

8) сумма основного долга за текущий период платежей.

Сноска. Глава 3 дополнена статьей 34-1 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); с изменениями, внесенными законами РК от 21.01.2019 № 217-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021).

Статья 35. Обеспечение возвратности кредитов

1. Возвратность кредитов может обеспечиваться неустойкой, залогом, гарантией, поручительством и другими способами, предусмотренными законодательством Республики Казахстан или договором.

2. Размер неустойки (штрафа, пени) за нарушение обязательства по возврату суммы займа и (или) уплате вознаграждения по договору банковского займа, заключенному с физическим лицом, не может превышать в течение девяноста дней просрочки 0,5 процента от суммы просроченного платежа за каждый день просрочки, по истечении девяноста дней просрочки не может превышать 0,03 процента от суммы просроченного платежа за каждый день просрочки, но не более десяти процентов от суммы выданного займа за каждый год действия договора банковского займа.

3. При условии высокой кредитоспособности и надежности клиента банк вправе принять решение о предоставлении кредита без обеспечения (бланкового кредита). Критерии кредита без обеспечения (бланкового кредита) устанавливаются нормативным правовым актом уполномоченного органа.

4. Если в обеспечение возвратности кредита предоставлено несколько предметов залога, то в случае надлежащего исполнения заемщиком обязательств по договору банковского займа и при условии, когда рыночная стоимость предметов залога, определенная оценщиком на момент обращения заемщика, залогодателя с требованием об уменьшении залогового обеспечения, превышает сумму неисполненной части обязательств заемщика с учетом требований залоговой политики банка (организации, осуществляющей отдельные виды банковских операций), банк (организация, осуществляющая отдельные виды банковских операций) обязан в течение десяти рабочих дней с даты обращения заемщика, залогодателя принять меры по расторжению (изменению) договора (договоров) о залоге одного или нескольких предметов залога в части, превышающей размер обязательства заемщика.

4-1. Если сумма неисполненных обязательств составляет менее десяти процентов от стоимости залогового обеспечения, банк (организация, осуществляющая отдельные виды банковских операций) обязан в течение двадцати рабочих дней с даты обращения заемщика, залогодателя рассмотреть с учетом требований залоговой политики банка (организации, осуществляющей отдельные виды банковских операций) замену предмета залога на иное имущество, рыночная стоимость которого, определенная оценщиком на момент обращения, покрывает сумму неисполненного обязательства.

5. В случаях, предусмотренных договором о залоге, а также законодательными актами Республики Казахстан, банк вправе самостоятельно реализовать находящееся в залоге имущество во внесудебном порядке путем проведения торгов (аукциона).

6. Нормы, установленные пунктами 1 - 5 настоящей статьи, распространяются на обеспечение операций банков по выдаче гарантий и поручительств.

Сноска. Статья 35 в редакции Закона РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.07.2016); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 31.12.2021 № 100 (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 36. Условия и порядок урегулирования задолженности и меры, применяемые в отношении неплатежеспособного заемщика

Сноска. Заголовок статьи 36 - в редакции Закона РК от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021).

1. При наличии просрочки исполнения обязательства по договору банковского займа, но не позднее двадцати календарных дней с даты ее наступления банк (организация, осуществляющая отдельные виды банковских операций) обязан (обязана) уведомить заемщика способом и в сроки, предусмотренные в договоре банковского займа, о:

1) возникновении просрочки по исполнению обязательства по договору банковского займа и необходимости внесения платежей по договору банковского займа с указанием размера просроченной задолженности на дату, указанную в уведомлении;

1-1) праве заемщика – физического лица по договору банковского займа обратиться в банк (организацию, осуществляющую отдельные виды банковских операций);

2) последствиях невыполнения заемщиком своих обязательств по договору банковского займа.

Банк (организация, осуществляющая отдельные виды банковских операций) вправе привлечь коллекторское агентство для уведомления заемщика.

1-1. В течение тридцати календарных дней с даты наступления просрочки исполнения обязательства по договору банковского займа заемщик – физическое лицо вправе посетить банк (организацию, осуществляющую отдельные виды банковских операций) и (или) представить в письменной форме либо способом, предусмотренным договором банковского займа, заявление, содержащее сведения о причинах возникновения просрочки исполнения обязательства по договору банковского займа, доходах и других подтвержденных обстоятельствах (фактах), которые обуславливают его заявление о внесении изменений в условия договора банковского займа, в том числе связанных с:

1) изменением в сторону уменьшения ставки вознаграждения по договору банковского займа;

2) изменением валюты суммы остатка основного долга по банковскому займу, выданному в иностранной валюте, на национальную валюту;

3) отсрочкой платежа по основному долгу и (или) вознаграждению;

4) изменением метода погашения задолженности или очередности погашения задолженности, в том числе с погашением основного долга в приоритетном порядке;

5) изменением срока банковского займа;

6) прощением просроченного основного долга и (или) вознаграждения, отменой неустойки (штрафа, пени), комиссий и иных платежей, связанных с обслуживанием банковского займа.

7) самостоятельной реализацией залогодателем недвижимого имущества, являющегося предметом ипотеки, в порядке, предусмотренном статьей 20-1 Закона Республики Казахстан "Об ипотеке недвижимого имущества";

8) представлением отступного взамен исполнения обязательства по договору банковского займа путем передачи банку (организации, осуществляющей отдельные виды банковских операций) залогового имущества;

9) реализацией недвижимого имущества, являющегося предметом ипотеки, с передачей обязательства по договору банковского займа покупателю.

1-2. Банк (организация, осуществляющая отдельные виды банковских операций) в течение пятнадцати календарных дней после дня получения заявления заемщика – физического лица рассматривает предложенные изменения в условия договора банковского займа в порядке, установленном нормативным правовым актом уполномоченного органа, и в письменной форме либо способом, предусмотренным договором банковского займа, сообщает заемщику – физическому лицу о (об):

1) согласии с предложенными изменениями в условия договора банковского займа;

2) своих предложениях по изменению условий договора банковского займа;

3) отказе в изменении условий договора банковского займа с указанием мотивированного обоснования причин такого отказа.

1-3. Заемщик – физическое лицо в течение пятнадцати календарных дней с даты получения решения банка (организации, осуществляющей отдельные виды банковских операций), предусмотренного подпунктом 3) пункта 1-2 настоящей статьи, или при недостижении взаимоприемлемого решения об изменении условий договора банковского займа вправе обратиться в уполномоченный орган с одновременным уведомлением банка (организации, осуществляющей отдельные виды банковских операций).

Уполномоченный орган рассматривает обращение заемщика – физического лица при представлении доказательств его обращения в банк (организацию, осуществляющую отдельные виды банковских операций) и недостижения с банком (организацией, осуществляющей отдельные виды банковских операций) взаимоприемлемого решения об изменении условий договора банковского займа.

В период рассмотрения уполномоченным органом обращения от заемщика – физического лица, относящегося к социально уязвимым слоям населения в соответствии с Законом Республики Казахстан "О жилищных отношениях", по ипотечному жилищному займу, не связанному с осуществлением предпринимательской деятельности, не допускается обращение взыскания на заложенное имущество путем подачи иска в суд либо во внесудебном порядке.

Требование, установленное частью третьей настоящего пункта, не распространяется на случаи рассмотрения уполномоченным органом обращения свыше шестидесяти календарных дней с даты обращения, а также повторного обращения заемщика – физического лица по ранее рассмотренному вопросу.

Обращение заемщика – физического лица рассматривается уполномоченным органом в порядке, установленном законодательством Республики Казахстан.

2. При неудовлетворении требования, предусмотренного подпунктом 1) части первой пункта 1 настоящей статьи, банк (организация, осуществляющая отдельные виды банковских операций) вправе обратить взыскание в бесспорном порядке на деньги, в том числе путем предъявления платежного требования, имеющиеся на банковских счетах заемщика (в случае если такое взыскание оговорено в договоре банковского займа), за исключением денег (электронных денег), получаемых заемщиком в виде пособий и социальных выплат, выплачиваемых из государственного бюджета и (или) Государственного фонда социального страхования, находящихся на банковских счетах, открытых по требованию заемщика, в порядке, определенном нормативным правовым актом Национального Банка Республики Казахстан, алиментов (денег, предназначенных на содержание несовершеннолетних и нетрудоспособных совершеннолетних детей), находящихся на банковских счетах, открытых по требованию заемщика в порядке, определенном нормативным правовым актом Национального Банка Республики Казахстан, а также жилищных выплат, предусмотренных Законом Республики Казахстан "О жилищных отношениях", денег, находящихся на банковских счетах в жилищном строительном сберегательном банке, предназначенных для зачисления платежей и субсидий в целях оплаты за арендованное жилье в частном жилищном фонде, целевых накоплений и (или) выплат целевых накоплений из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты образования, единовременных пенсионных выплат из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты лечения, предусмотренных законодательством Республики Казахстан о социальной защите, денег, находящихся на банковских счетах в жилищных строительных сберегательных банках в виде жилищных строительных сбережений, накопленных за счет использования жилищных выплат, в виде выплат целевых накоплений из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты образования, денег, находящихся на банковских счетах в банках второго уровня в виде накоплений на капитальный ремонт общего имущества объекта кондоминиума, за исключением взысканий на основании судебных решений по делам о неисполнении обязательств по договорам, заключаемым в целях проведения капитального ремонта общего имущества объекта кондоминиума, денег, находящихся на банковских счетах, предназначенных для зачисления компенсации инвестиционных затрат в соответствии с законодательством Республики Казахстан в области государственно-частного партнерства и о концессиях, денег, внесенных на условиях депозита нотариуса, денег, находящихся на банковских счетах, предназначенных для учета денег клиентов управляющего инвестиционным портфелем, по неисполненным обязательствам данного управляющего инвестиционным портфелем, денег, находящихся на банковских счетах, предназначенных для учета денег клиентов лица, осуществляющего функции номинального держателя, по неисполненным обязательствам данного лица, осуществляющего функции номинального держателя, денег, находящихся на банковских счетах, для осуществления клиринговой деятельности по сделкам с финансовыми инструментами, денег, находящихся на банковских счетах по договору об образовательном накопительном вкладе, заключенному в соответствии с Законом Республики Казахстан "О Государственной образовательной накопительной системе", денег, находящихся на текущих счетах частных судебных исполнителей, предназначенных для хранения взысканных сумм в пользу взыскателей, денег, находящихся на банковских счетах заемщика – гражданина Республики Казахстан, в отношении которого возбуждено дело о применении процедуры восстановления платежеспособности, внесудебного или судебного банкротства в порядке, предусмотренном Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан.

Не допускается взыскание задолженности по договору банковского займа платежным требованием за счет денег, находящихся на сберегательных банковских счетах, являющихся предметом залога по выданным банковским займам, в размере суммы непогашенного основного долга по таким банковским займам.

Ограничения в части изъятия денег, находящихся на банковских счетах, предназначенных для зачисления компенсации инвестиционных затрат, не распространяются на требования, относящиеся к первой, второй и третьей очередям в соответствии с очередностью, предусмотренной пунктом 2 статьи 742 Гражданского кодекса Республики Казахстан.

Взыскание задолженности заемщика – физического лица по договору банковского займа путем предъявления платежного требования ограничивается в пределах пятидесяти процентов от суммы денег, находящейся на его банковском счете, и (или) от каждой суммы денег, поступающей в последующем на банковский счет заемщика, и осуществляется, не дожидаясь поступления на банковский счет всей суммы, необходимой для полного исполнения платежного требования. При этом сумма денег, сохраняемая на текущем счете физического лица, должна быть не менее размера прожиточного минимума, установленного на соответствующий финансовый год законом о республиканском бюджете. Указанное ограничение не распространяется на деньги, находящиеся на сберегательном счете заемщика – физического лица.

2-1. В случаях неудовлетворения требования, предусмотренного подпунктом 1) части первой пункта 1 настоящей статьи, а также нереализации заемщиком – физическим лицом по договору банковского займа прав, предусмотренных пунктом 1-1 настоящей статьи, либо отсутствия согласия между заемщиком – физическим лицом и банком (организацией, осуществляющей отдельные виды банковских операций) по изменению условий договора банковского займа банк (организация, осуществляющая отдельные виды банковских операций), помимо мер, предусмотренных пунктом 2 настоящей статьи, вправе:

1) рассмотреть вопрос о применении мер в отношении заемщика.

Принятие решения о применении мер осуществляется в соответствии с Правилами о внутренней кредитной политике банка (организации, осуществляющей отдельные виды банковских операций);

2) передать задолженность на досудебные взыскание и урегулирование коллекторскому агентству.

Передача задолженности на досудебные взыскание и урегулирование коллекторскому агентству допускается при наличии в договоре банковского займа права банка (организации, осуществляющей отдельные виды банковских операций) на привлечение коллекторского агентства при допущении заемщиком просрочки исполнения обязательств по договору банковского займа.

В период нахождения задолженности на досудебных взыскании и урегулировании у коллекторского агентства банк (организация, осуществляющая отдельные виды банковских операций) не вправе:

обращаться с иском в суд о взыскании задолженности;

требовать выплаты вознаграждения, комиссий и иных платежей, связанных с выдачей и обслуживанием займа, за период нахождения задолженности в работе у коллекторского агентства, а также начислять в указанный период неустойку (штраф, пеню) за несвоевременное погашение основного долга и вознаграждения;

3) уступить право (требование) по договору банковского займа лицу, указанному в пункте 4 статьи 36-1 настоящего Закона, при наличии у заемщика просрочки исполнения обязательства по договору банковского займа физического лица, не связанного с предпринимательской деятельностью, свыше девяноста последовательных календарных дней, по ипотечному займу, выданному физическому лицу, – свыше ста восьмидесяти последовательных календарных дней;

Требование настоящего подпункта не распространяется на случаи применения в отношении заемщика – гражданина Республики Казахстан процедуры восстановления платежеспособности, внесудебного или судебного банкротства в порядке, предусмотренном Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан

4) применить меры, предусмотренные законодательством Республики Казахстан и (или) договором банковского займа, в том числе обратиться с иском в суд о взыскании суммы долга по договору банковского займа, а также обратить взыскание на заложенное имущество во внесудебном порядке, за исключением случаев, предусмотренных Законом Республики Казахстан "Об ипотеке недвижимого имущества", либо в судебном порядке;

5) обратиться с иском в суд о признании заемщика – индивидуального предпринимателя, юридического лица банкротом в соответствии с законодательством Республики Казахстан.

2-2. Банк (организация, осуществляющая отдельные виды банковских операций), получивший ходатайство залогодателя, имущество которого обеспечивает обязательства заемщика по договору ипотечного займа, обеспеченного жилищем физического лица, не связанного с осуществлением предпринимательской деятельности, о самостоятельной реализации недвижимого имущества, поданного в порядке, предусмотренном Законом Республики Казахстан "Об ипотеке недвижимого имущества", приостанавливает меры в отношении заемщика и залогодателя, предусмотренные пунктами 2 и 2-1 настоящей статьи.

      3. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).
      4. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).
      Сноска. Статья 36 в редакции Закона РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); с изменениями, внесенными законами РК от 26.07.2016 № 12-VІ (вводится в действие по истечении тридцати календарных дней после дня его первого официального опубликования); от 06.05.2017 № 63-VI (порядок введения в действие см. ст. 2); от 12.12.2017 № 114-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 04.07.2018 № 171-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 21.01.2019 № 217-VI (порядок введения в действие см. ст. 3); от 03.07.2019 № 262-VI (порядок введения в действие см. ст. 2); ); от 26.12.2019 № 284-VІ (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 26.06.2020 № 349-VI(вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2020 № 359-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 30.12.2020 № 397-VI (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие с 01.01.2021); от 24.05.2021 № 43-VII (вводится в действие с 01.10.2021); от 31.12.2021 № 100 (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 177-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 179-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 20.04.2023 № 226-VII (вводится в действие с 01.07.2023); от 16.11.2023 № 40-VIII (вводится в действие с 01.01.2024).

Статья 36-1. Порядок передачи задолженности на досудебные взыскание и урегулирование или уступки права (требования)

1. Банку, организации, осуществляющей отдельные виды банковских операций, запрещается заключать договор с третьими лицами, предметом которого является оказание услуг по досудебным взысканию и урегулированию задолженности, а также сбору информации, связанной с задолженностью (далее – договор о взыскании задолженности), за исключением случаев заключения такого договора с коллекторским агентством.

2. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).
3. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).

4. Банку, организации, осуществляющей отдельные виды банковских операций, запрещается производить уступку прав (требований) по договору банковского займа третьему лицу, за исключением уступки прав (требований) следующим лицам:

коллекторскому агентству;

банку;

организации, осуществляющей отдельные виды банковских операций;

дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка;

организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня;

специальной финансовой компании, созданной в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации, при сделке секьюритизации;

лицу, осуществляющему выкуп ипотечных займов физических лиц, не связанных с предпринимательской деятельностью, сто процентов акций которого принадлежат Национальному Банку Республики Казахстан;

специальному фонду развития частного предпринимательства – по договору банковского займа, заключенному в рамках сделки по финансированию субъектов частного предпринимательства путем обусловленного размещения средств в банках и организациях, осуществляющих отдельные виды банковских операций;

иному лицу – в отношении права (требования) по договору банковского займа физического лица, связанного с осуществлением предпринимательской деятельности, или по договору банковского займа юридического лица, по которому выявлены признаки обесценения в соответствии с международными стандартами финансовой отчетности, в том числе на момент приобретения или возникновения (создания) права (требования) по договору банковского займа.

Лицо, указанное в абзаце десятом части первой настоящего пункта, передает в доверительное управление сервисной компании полученные права (требования) по договору банковского займа в одном из следующих случаев:

права (требования) получены по договору банковского займа физического лица, связанного с осуществлением предпринимательской деятельности;

права (требования) получены по договору банковского займа юридического лица, размер задолженности по которому не превышает 16 500-кратный размер месячного расчетного показателя, установленного законом о республиканском бюджете на дату уступки;

если лицо, которому уступлены права (требования) по договору банковского займа, является нерезидентом Республики Казахстан.

Права (требования) по договорам банковского займа могут быть переданы сервисной компании при одновременном выполнении следующих условий:

1) размер уставного капитала коллекторского агентства, собственного капитала родительской организации дочерней организации банка, приобретающей сомнительные и безнадежные активы родительского банка, составляет значение не ниже минимального значения, установленного нормативным правовым актом уполномоченного органа;

2) осуществление деятельности в течение трех лет с момента:

выдачи банку или банковскому холдингу разрешения на создание банком дочерней организации, приобретающей сомнительные и безнадежные активы родительского банка;

включения коллекторского агентства в реестр коллекторских агентств;

3) отсутствие на дату включения в реестр сервисных компаний неисполненных и (или) действующих мер надзорного реагирования или ограниченных мер воздействия, примененных уполномоченным органом, и административных взысканий за административные правонарушения, предусмотренные статьей 211-1 и частью первой статьи 227 Кодекса Республики Казахстан об административных правонарушениях;

4) отсутствие у первого руководителя сервисной компании неснятой или непогашенной судимости;

5) соответствие сервисной компании требованиям, установленным уполномоченным органом.

Требования к дочерним организациям банка, приобретающим сомнительные и безнадежные активы родительского банка, и коллекторским агентствам, выступающим в качестве сервисных компаний, которым могут быть переданы в доверительное управление права (требования) по договорам банковского займа, устанавливаются нормативным правовым актом уполномоченного органа.

Уполномоченный орган ведет и размещает на своем интернет-ресурсе реестр сервисных компаний, соответствующих требованиям законодательства Республики Казахстан.

Исключение сервисной компании из реестра сервисных компаний является основанием для расторжения договора доверительного управления правами (требованиями).

В случае передачи прав (требований) по договору банковского займа в доверительное управление сервисной компании лицо, указанное в абзаце десятом части первой настоящего пункта, реализует права кредитора в отношении уступленного ему права (требования) по договору банковского займа в рамках договора доверительного управления правами (требованиями), заключенного с сервисной компанией, либо путем его переуступки лицам, указанным в части первой настоящего пункта.

В случае расторжения договора доверительного управления правами (требованиями) с сервисной компанией лицо, указанное в абзаце десятом части первой настоящего пункта, обязано заключить договор доверительного управления правами (требованиями) с другой сервисной компанией либо переуступить права (требования) лицам, указанным в части первой настоящего пункта.

Требования настоящего пункта не распространяются на случаи:

1) уступки банком права (требования) Национальному Банку Республики Казахстан в целях исполнения обязательств по займу последней инстанции;

2) перехода прав (требований) Экспортно-кредитному агентству Казахстана в порядке суброгации в связи с осуществлением страховой выплаты по договорам добровольного страхования в соответствии с законодательством Республики Казахстан.

5. Банк, организация, осуществляющая отдельные виды банковских операций, не вправе уступать право (требование) по договору банковского займа без согласия заемщика, если иное не предусмотрено законами Республики Казахстан или договором банковского займа.

5-1. Банк, организация, осуществляющая отдельные виды банковских операций, не вправе уступать право (требование) по договору банковского займа, обеспеченного залогом имущества, лицам, указанным в части первой пункта 4 настоящей статьи, без оценки стоимости имущества, проведенной оценщиком в течение последних шести месяцев до уступки права (требования) в соответствии с Законом Республики Казахстан "Об оценочной деятельности в Республике Казахстан".

6. Не допускается уступка прав (требований) по договору банковского займа в отношении одного заемщика нескольким лицам, за исключением случаев, когда данные права (требования) являются предметом сделки секьюритизации.

7. При заключении договора уступки прав (требований) по договору банковского займа (далее – договор уступки) банк, организация, осуществляющая отдельные виды банковских операций, обязаны:

1) до заключения договора уступки уведомить заемщика (или его уполномоченного представителя) о возможности перехода прав (требований) по договору банковского займа третьему лицу, а также об обработке персональных данных заемщика в связи с такой уступкой способом, предусмотренным договором банковского займа либо не противоречащим законодательству Республики Казахстан;

2) уведомить заемщика (или его уполномоченного представителя) о состоявшемся переходе прав (требований) по договору банковского займа третьему лицу способом, предусмотренным договором банковского займа либо не противоречащим законодательству Республики Казахстан, в течение тридцати календарных дней со дня заключения договора уступки с указанием необходимости осуществления дальнейших платежей по договору банковского займа третьему лицу (наименование, место нахождения и банковские реквизиты лица, которому уступлены права (требования) по договору банковского займа, либо в случае передачи прав (требований) по договору банковского займа в доверительное управление – сервисной компании), объема переданных прав (требований) по договору банковского займа, размера и структуры задолженности по договору банковского займа (основной долг, вознаграждение, комиссии, неустойка (штраф, пеня) и других подлежащих уплате сумм;

3) передать лицу, которому уступлены права (требования) по договору банковского займа, либо сервисной компании (в случае передачи прав (требований) по договору банковского займа в доверительное управление сервисной компании) следующие документы:

договор банковского займа;

договор залога и правоустанавливающие документы на предмет залога (в случае, если исполнение обязательств по договору банковского займа обеспечено залогом);

договор поручительства или гарантии (в случае, если исполнение обязательств по договору банковского займа обеспечено поручительством или гарантией);

расчеты задолженности заемщика на дату уступки прав (требований);

претензионную переписку с заемщиком (при наличии);

учредительные документы заемщика – юридического лица, документ, удостоверяющий личность заемщика – физического лица;

документы, подтверждающие погашение заемщиком задолженности;

документы по реализации заложенного имущества (при наличии);

иные документы в соответствии с договором уступки.

В случае уступки всех прав (требований) к заемщику банк, организация, осуществляющая отдельные виды банковских операций, передают лицу, которому уступлено право (требование) по договору банковского займа, все имеющиеся у них оригиналы документов, а в случае передачи прав (требований) по договору банковского займа в доверительное управление сервисной компании оригиналы указанных документов передаются сервисной компании.

За утерю оригиналов правоустанавливающих документов на имущество, являющееся обеспечением исполнения обязательств по договору банковского займа, банк (организация, осуществляющая отдельные виды банковских операций), лицо, которому уступлены права (требования) по договору банковского займа, сервисная компания несут ответственность, установленную законами Республики Казахстан.

В случае уступки части прав (требований) к заемщику банк, организация, осуществляющая отдельные виды банковских операций, вправе сохранить оригиналы документов, удостоверяющих такие права (требования), и передать лицу, которому частично уступлено право (требование) по договору банковского займа, нотариально засвидетельствованные копии указанных документов, а в случае передачи части прав (требований) по договору банковского займа в доверительное управление сервисной компании нотариально засвидетельствованные копии указанных документов передаются сервисной компании;

4) после заключения договора уступки переводить деньги, полученные в счет погашения задолженности по договору банковского займа, на банковский счет лица, которому уступлены права (требования) по договору банковского займа, с предоставлением расшифровки платежей в разрезе каждого заемщика.

8. Лицу, которому уступлено право (требование) банка, организации, осуществляющей отдельные виды банковских операций, по договору банковского займа запрещается переуступать такое право (требование) без соблюдения условий, предусмотренных настоящей статьей.

Сноска. Глава 2 дополнена статьей 36-1 в соответствии с Законом РК от 06.05.2017 № 63-VI (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); с изменениями, внесенными законами РК от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 13.05.2020 № 325-VІ (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 23.01.2024 № 54-VIII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 37. Срок исковой давности

Срок исковой давности по требованию банков, дочерних организаций банков, приобретающих сомнительные и безнадежные активы родительского банка, организации, указанной в пункте 8 статьи 61-4 настоящего Закона, а также организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, к заемщикам по неисполнению и (или) ненадлежащему исполнению договоров банковского займа составляет пять лет.

Сноска. Статья 37 в редакции Закона РК от 06.05.2017 № 63-VI (вводится в действие с 01.10.2017).

Статья 38. Осуществление платежей и переводов денег

1. Банки осуществляют платежи и переводы денег на территории Республики Казахстан в порядке, установленном законодательством.

1-1. Банки второго уровня и организации, осуществляющие отдельные виды банковских операций, для предоставления населению услуг, связанных с приемом и проведением оплаты за оказание услуг в электронной форме посредством веб-портала "электронного правительства", осуществляют интеграцию своих информационных систем с платежным шлюзом "электронного правительства" напрямую или через информационную систему оператора межбанковской системы переводов денег.

1-2. Банки и организации, осуществляющие отдельные виды банковских операций, для предоставления органам государственных доходов информации по текущим счетам, открытым для учета налога на добавленную стоимость, осуществляют взаимодействие своих информационных систем с информационной системой органов государственных доходов в порядке, определенном уполномоченным органом в сфере информатизации.

2. В случае ненадлежащего осуществления платежей и переводов денег банк несет ответственность в соответствии с законодательством Республики Казахстан и договором, заключенным с клиентом (депозитором).

3. Международные платежи и переводы денег осуществляются банками в формах, способами и в порядке, применяемых в международной банковской практике и не противоречащих действующему законодательству Республики Казахстан.

4. Банк имеет право изъятия денег со счетов клиентов (депозиторов) без их согласия при наличии документов, подтверждающих подделку платежных документов, а также при установлении факта ошибочности их зачисления.

Сноска. Статья 38 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2019); от 02.04.2019 № 241-VІ (вводится в действие с 01.01.2019).

Статья 39. Ставки и тарифы

1. Ставки вознаграждения и комиссии, а также тарифы за оказание банковских услуг устанавливаются банками, организациями, осуществляющими отдельные виды банковских операций, самостоятельно с учетом ограничений, установленных законами Республики Казахстан.

2. В договорах банковского займа, заключаемых с физическими лицами, в том числе договорах ипотечных займов, банками, организациями, осуществляющими отдельные виды банковских операций, устанавливается фиксированная либо плавающая ставка вознаграждения и указывается метод погашения займа по выбору заемщика из предложенных банком на дату заключения договора банковского займа.

До заключения договора банковского займа в случаях, предусмотренных нормативным правовым актом уполномоченного органа, банк, организация, осуществляющая отдельные виды банковских операций, обязаны предоставить физическому лицу для выбора метода погашения займа проекты графиков погашения займа, рассчитанных различными методами. В обязательном порядке заемщику должны быть представлены проекты графиков погашения займа, рассчитанных в соответствии с методиками расчета регулярных платежей по займам, выдаваемым банками, организациями, осуществляющими отдельные виды банковских операций, физическим лицам и временными базами для расчета вознаграждения по таким займам, установленными нормативным правовым актом уполномоченного органа, с периодичностью, установленной в договоре банковского займа, следующими методами погашения:

методом дифференцированных платежей, при котором погашение задолженности по банковскому займу осуществляется уменьшающимися платежами, включающими равные суммы платежей по основному долгу и начисленное за период на остаток основного долга вознаграждение;

методом аннуитетных платежей, при котором погашение задолженности по банковскому займу осуществляется равными платежами на протяжении всего срока банковского займа, включающими увеличивающиеся платежи по основному долгу и уменьшающиеся платежи по вознаграждению, начисленному за период на остаток основного долга. Размеры первого и последнего платежей могут отличаться от других.

Банк, организация, осуществляющая отдельные виды банковских операций, вправе предложить заемщику дополнительные методы погашения займа, рассчитанные в соответствии с их внутренними правилами.

Фиксированная ставка вознаграждения не подлежит изменению в одностороннем порядке, за исключением случаев ее изменения в сторону уменьшения или временного изменения в сторону уменьшения банком, организацией, осуществляющей отдельные виды банковских операций, совершенных в порядке, установленном статьей 34 настоящего Закона.

Под временным изменением ставки вознаграждения в сторону уменьшения понимается снижение размера ставки вознаграждения банком, организацией, осуществляющей отдельные виды банковских операций, на определенный срок, по истечении которого ставка вознаграждения устанавливается в размере, не превышающем размер ставки вознаграждения, действовавший до временного изменения.

По соглашению сторон фиксированная ставка вознаграждения может быть изменена на плавающую ставку вознаграждения в течение срока действия договора.

По соглашению сторон фиксированная ставка вознаграждения может быть изменена в сторону увеличения по истечении срока ее действия, определенного договором, но не ранее трех лет с даты заключения договора банковского займа. Каждое последующее изменение в сторону увеличения фиксированной ставки вознаграждения возможно по соглашению сторон по истечении срока действия фиксированной ставки, но не ранее трех лет со дня предыдущего изменения фиксированной ставки вознаграждения.

Порядок исчисления, условия действия плавающей ставки вознаграждения определяются нормативным правовым актом уполномоченного органа.

Банки, организации, осуществляющие отдельные виды банковских операций, не вправе в одностороннем порядке изменять в сторону увеличения установленные на дату заключения договора банковского займа размеры и порядок расчета комиссий и иных платежей по обслуживанию займа.

3. До заключения договора банковского займа с физическим лицом, не связанного с предпринимательской деятельностью, банк, организация, осуществляющая отдельные виды банковских операций, обязаны предоставить физическому лицу для выбора условия кредитования, при которых не предусмотрено взимание комиссий и иных платежей, связанных с выдачей и обслуживанием банковского займа, а также условия кредитования, предусматривающие право банка, организации, осуществляющей отдельные виды банковских операций, взимать, помимо ставки вознаграждения, комиссии и иные платежи, связанные с выдачей и обслуживанием займа и предусмотренные договором банковского займа.

Банки, организации, осуществляющие отдельные виды банковских операций, обязаны в договорах банковского займа указывать все комиссии и иные платежи, а также их размеры, подлежащие взиманию в связи с выдачей и обслуживанием займа, и не вправе в одностороннем порядке вводить новые виды комиссий и иных платежей в рамках заключенного договора.

Перечень комиссий и иных платежей, связанных с выдачей и обслуживанием банковского займа, выданного физическому лицу, утверждается нормативным правовым актом уполномоченного органа.

3-1. Банки, организации, осуществляющие отдельные виды банковских операций, не вправе по договорам банковского займа, заключаемым с физическими лицами на приобретение товаров, работ и услуг, не связанных с осуществлением предпринимательской деятельности, устанавливать и взимать комиссии за ведение банковского счета, связанного с выдачей и обслуживанием банковского займа, а также за зачисление займа на банковский счет.

4. На интернет-ресурсе банка должна быть размещена информация о ставках и тарифах за банковские и иные услуги, оказываемые физическим и юридическим лицам. Информация о ставках и тарифах должна поддерживаться в актуальном режиме с указанием сведений о дате внесения изменений в действующие ставки и тарифы, номера внутреннего документа и органа, принявшего данные изменения.

5. Банки, организации, осуществляющие отдельные виды банковских операций, не вправе взимать неустойку или иные виды штрафных санкций за досрочное погашение займов, за исключением случаев частичного досрочного погашения или полного досрочного погашения основного долга до шести месяцев с даты получения займа, выданного на срок до одного года, до одного года с даты получения займа, выданного на срок свыше одного года.

6. Банки, организации, осуществляющие отдельные виды банковских операций, не вправе в одностороннем порядке изменять в сторону увеличения установленные на дату заключения договора банковского займа с юридическими лицами ставки вознаграждения, за исключением случаев:

1) нарушения заемщиком своих обязательств по предоставлению достоверной информации, связанной с получением и обслуживанием займа, в случаях, предусмотренных договором банковского займа;

2) возникновения у банка, организации, осуществляющей отдельные виды банковских операций, права требования досрочного исполнения обязательства в случаях, предусмотренных Гражданским кодексом Республики Казахстан, а также в следующих случаях, предусмотренных договором банковского займа:

изменения состава участников (акционеров) заемщика, в совокупности владеющих десятью и более процентами акций (долей участия) акционерного общества (хозяйственного товарищества), без предварительного письменного уведомления банка (организации, осуществляющей отдельные виды банковских операций);

нарушения заемщиком и (или) залогодателем права банка, организации, осуществляющей отдельные виды банковских операций, являющихся залогодержателями, проверять по документам и фактически наличие, размер, состояние и условия хранения заложенного имущества, а также предъявления третьими лицами требований к имуществу заемщика (залогодателя), в том числе имуществу, заложенному банку, организации, осуществляющей отдельные виды банковских операций.

7. Банки, за исключением исламских банков, организации, осуществляющие отдельные виды банковских операций, обязаны указывать ставки вознаграждения в достоверном, годовом, эффективном, сопоставимом исчислении (реальную стоимость) в договорах, заключаемых с клиентами, а также при распространении информации о величинах вознаграждения по займам и вкладам (за исключением межбанковских), в том числе ее публикации.

Порядок исчисления ставок вознаграждения в достоверном, годовом, эффективном, сопоставимом исчислении (реальной стоимости) по займам и вкладам утверждается нормативным правовым актом уполномоченного органа.

Сноска. Статья 39 в редакции Закона РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 24.11.2015 № 422-V (порядок введения в действие см. ст. 2); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 21.01.2019 № 217-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 40. Запрет на предоставление льготных условий лицам, связанным с банком особыми отношениями

1. Банкам запрещается предоставление льготных условий лицам, связанным с банком особыми отношениями.

Банкам запрещается выдавать займы без обеспечения (бланковые займы) лицам, связанным с банком особыми отношениями, за исключением займов в размере, не превышающем размер, установленный нормативным правовым актом уполномоченного органа, а также займов лицам, являющимся участниками банковского конгломерата.

Банкам запрещается выдавать займы членам совета директоров и крупным участникам данных банков, за исключением банковских займов и финансирования, предусмотренного подпунктами 4) и 5) пункта 1 статьи 52-5 настоящего Закона, выдаваемых в размере, не превышающем размер, установленный нормативным правовым актом уполномоченного органа.

2. Предоставление льготных условий лицу, связанному с банком особыми отношениями, означает совершение сделки с лицом, связанным с банком особыми отношениями, или в его интересах, которую по ее природе, цели, особенностям и риску банк не совершил бы с лицом, не связанным с ним особыми отношениями, а именно:

1) взимание вознаграждения и платы за выполнение банковской операции ниже, чем по условиям, предлагаемым третьим лицам;

2) выплата вознаграждения по депозитам и иным средствам, привлеченным банком от лица, связанного с банком особыми отношениями, выше, чем по условиям, предлагаемым третьим лицам;

3) принятие залогов, гарантий, поручительств или иных способов обеспечения исполнения обязательств в размере ниже, чем это требуется по аналогичным операциям с третьими лицами;

4) предоставление отсрочки по взиманию вознаграждения, погашению основного долга и (или) иных платежей за банковские операции больше, чем по аналогичным операциям с третьими лицами;

5) оплата приобретаемого имущества и (или) услуг лицу, связанному с банком особыми отношениями, по цене выше, чем оплата аналогичных приобретаемого имущества и (или) услуг третьим лицам, по сделке или совокупности сделок, стоимость которых превышает размер, установленный нормативным правовым актом уполномоченного органа;

6) продажа лицу, связанному с банком особыми отношениями, имущества по стоимости ниже, чем продажа аналогичного имущества третьим лицам или ниже рыночной стоимости;

7) продажа лицу, связанному с банком особыми отношениями, ценных бумаг по стоимости ниже, чем продажа аналогичных ценных бумаг третьим лицам или ниже рыночной стоимости;

8) совершение сделок, ранее отнесенных уполномоченным органом к сделкам с льготными условиями путем использования мотивированного суждения.

Дополнительные критерии отнесения сделок к сделкам с льготными условиями устанавливаются нормативным правовым актом уполномоченного органа.

3. Лицами, связанными с банком особыми отношениями, признаются:

1) должностное лицо или руководящий работник, руководители и постоянные члены комитетов совета директоров и соответствующего органа данного банка, в полномочия которых входит принятие решений об отчуждении активов, изменении предмета залога и прекращении залога (за исключением случаев погашения должником обязательств перед банком, обеспеченных залогом, или взыскания банком залога), решений о выдаче банковских займов и банковских гарантий в размерах, выше установленных нормативным правовым актом уполномоченного органа, а также их супруги и близкие родственники;

2) физическое или юридическое лицо, являющееся крупным участником данного банка, либо должностное лицо крупного участника банка, а также их супруги и близкие родственники;

3) юридическое лицо, в котором лица, указанные в подпунктах 1) и 2) настоящего пункта, владеют десятью и более процентами размещенных акций (за вычетом привилегированных и выкупленных акций) или долей участия в уставном капитале либо являются должностными лицами;

4) аффилированные лица банка;

5) физическое или юридическое лицо, соответствующее признакам связанности с банком особыми отношениями, установленным нормативным правовым актом уполномоченного органа.

Уполномоченный орган вправе отнести физическое или юридическое лицо к лицам, связанным с банком особыми отношениями, путем использования мотивированного суждения. В этом случае данное физическое или юридическое лицо признается банком лицом, связанным с ним особыми отношениями, с даты получения банком соответствующей меры надзорного реагирования уполномоченного органа.

В целях настоящей статьи лицами, связанными с банком особыми отношениями, не признаются независимый директор, национальный управляющий холдинг, являющийся акционером банка, и юридические лица, десять и более процентов акций (долей участия в уставном капитале) которых принадлежат такому национальному управляющему холдингу, а также юридические лица, в которых должностное лицо банка, являющееся независимым директором, является в органах управления независимым директором, организация, специализирующаяся на улучшении качества кредитных портфелей банков второго уровня, и организатор торгов, акционером которого является Национальный Банк Республики Казахстан, в случае, если должностное лицо банка является в данных организациях должностным лицом, а также иные лица, определенные нормативным правовым актом уполномоченного органа.

Для целей признания лиц, связанных с филиалом банка-нерезидента Республики Казахстан особыми отношениями:

под банком в подпункте 1) части первой настоящего пункта понимаются филиал банка-нерезидента Республики Казахстан и (или) банк-нерезидент Республики Казахстан;

под банком в подпункте 2) части первой настоящего пункта понимается банк-нерезидент Республики Казахстан;

под банком в подпунктах 4) и 5) части первой настоящего пункта понимается филиал банка-нерезидента Республики Казахстан.

4. Банк не может совершать с каким-либо лицом сделку, стоимость которой превышает размер, установленный нормативным правовым актом уполномоченного органа, и которая влечет за собой:

оплату обязательств перед лицом, связанным с банком особыми отношениями;

покупку какого-либо имущества у лица, связанного с банком особыми отношениями;

приобретение ценных бумаг, эмитированных лицом, связанным с банком особыми отношениями, за исключением ценных бумаг, находящихся в собственности банка.

5. Сделка с лицом, связанным с банком особыми отношениями, может быть совершена с учетом требований пункта 1 настоящей статьи только по решению совета директоров банка, за исключением случаев, когда типовые условия таких сделок утверждены советом директоров банка и применяются к аналогичным сделкам с третьими лицами.

Отказ от прав требований в отношении активов, предоставленных (размещенных) лицам (у лиц), связанным (связанных) с банком особыми отношениями, осуществляется с последующим уведомлением общего собрания акционеров, за исключением дочерних организаций банка, приобретающих сомнительные и безнадежные активы родительского банка.

Лицо, указанное в пункте 3 настоящей статьи, не должно принимать участие в рассмотрении и принятии решений по любой сделке между банком и:

им самим;

любым из его близких родственников или его супругом (супругой);

любым юридическим лицом, в котором он или кто-либо из его близких родственников, его супруг (супруга) является должностным лицом (за исключением независимого директора) или крупным участником.

Решение совета директоров по любой сделке между банком и лицом, связанным с банком особыми отношениями, может быть принято только после рассмотрения советом директоров всех ее условий.

Для целей применения к филиалу банка-нерезидента Республики Казахстан требований настоящего пункта и пункта 1 настоящей статьи под советом директоров банка понимается соответствующий орган управления банка-нерезидента Республики Казахстан.

6. Банк обязан предоставлять в Национальный Банк Республики Казахстан информацию о лицах, связанных с банком особыми отношениями, а также обо всех сделках, заключенных с данными лицами, в порядке, сроки и по формам, которые предусмотрены нормативным правовым актом Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

7. Требования настоящей статьи распространяются на банковские холдинги и организации, осуществляющие отдельные виды банковских операций.

Перечень лиц, связанных с банковским конгломератом особыми отношениями, устанавливается нормативным правовым актом уполномоченного органа.

8. Требования пунктов 1, 2 и 4 настоящей статьи не распространяются на сделки, совершаемые дочерней организацией, созданной (приобретенной) на условиях, определенных статьей 11-2 настоящего Закона, с родительским банком или дочерней организацией, входящей в состав банковского конгломерата.

Требования пункта 4 настоящей статьи также не распространяются на сделки банка с третьими лицами, которые влекут за собой приобретение имущества у дочерней организации банка и (или) дочерней организации дочернего банка, созданных (приобретенных) на условиях, определенных статьей 11-2 настоящего Закона.

9. Требования настоящей статьи не распространяются на нерезидентов Республики Казахстан, являющихся банковским холдингом, лицом, обладающим признаками банковского холдинга, при выполнении одного из следующих условий:

наличие индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения банковского холдинга, лица, обладающего признаками банковского холдинга, о том, что указанные лица – нерезиденты Республики Казахстан подлежат консолидированному надзору;

Сноска. Статья 40 в редакции Закона РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); с изменениями, внесенными законами РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 40-1. Банковский омбудсман, его статус и порядок избрания

1. Банковским омбудсманом является независимое в своей деятельности физическое лицо, осуществляющее урегулирование разногласий, возникающих из договора ипотечного займа, между банком, организацией, осуществляющей отдельные виды банковских операций, и заемщиком - физическим лицом по его обращению с целью достижения согласия об удовлетворении прав и охраняемых законом интересов заемщика и банка, организации, осуществляющей отдельные виды банковских операций, а также в случаях, предусмотренных пунктом 1-1 настоящей статьи.

Банковский омбудсман руководствуется в своей деятельности следующими принципами:

1) равноправие сторон;

2) беспристрастность омбудсмана;

3) соблюдение банковской и иной охраняемой законом тайны;

4) соблюдение прав и уважение охраняемых законом интересов сторон;

5) прозрачность процедуры принятия и обоснованность решения.

1-1. Банковским омбудсманом осуществляется урегулирование разногласий, возникающих между заемщиком, являющимся физическим лицом, и лицом, которому уступлено право (требование) по заключенному с таким заемщиком договору банковского займа или договору о предоставлении микрокредита, на основании обращения заемщика.

Лицо, которому уступлено право (требование) по договору банковского займа или договору о предоставлении микрокредита, обязано взаимодействовать с банковским омбудсманом и предоставлять любую запрашиваемую банковским омбудсманом информацию и сведения при обращении заемщика, обязательства которого по договору банковского займа или договору о предоставлении микрокредита им были приобретены.

2. Избрание и досрочное прекращение полномочий банковского омбудсмана осуществляются советом представителей. Совет представителей формируется по одному представителю от:

1) каждого банка, организации, осуществляющей отдельные виды банковских операций, предоставляющих ипотечные займы;

2) ассоциации (союза) общественных объединений потребителей и (или) республиканского общественного объединения потребителей, зарегистрированных в органах юстиции и осуществляющих деятельность, направленную на реализацию и защиту прав потребителей финансовых услуг, при их наличии;

3) уполномоченного органа.

Участие банков, организаций, осуществляющих отдельные виды банковских операций, предоставляющих ипотечные займы, в составе совета представителей является обязательным и осуществляется в порядке, определенном настоящим Законом и внутренними правилами банковского омбудсмана, утвержденными советом представителей.

3. Компетенция совета представителей:

1) предложение кандидатуры для избрания на должность банковского омбудсмана и ее утверждение;

2) утверждение структуры и штата (офиса банковского омбудсмана);

3) определение порядка финансирования деятельности банковского омбудсмана;

4) иные вопросы, связанные с осуществлением деятельности банковского омбудсмана, в соответствии с настоящим Законом.

4. Заседание совета представителей признается правомочным, а условия кворума соблюденными, если присутствующие на нем члены совета представителей обладают в совокупности пятьюдесятью и более процентами от общего числа голосов.

Банковский омбудсман избирается большинством голосов совета представителей, присутствовавших на заседании совета. Каждый член совета представителей при голосовании имеет один голос. При равенстве голосов голос представителя уполномоченного органа является решающим.

Голосование по вопросу избрания банковского омбудсмана осуществляется тайным способом. Бюллетень для голосования должен содержать следующую информацию о кандидатах, рекомендованных для избрания на должность банковского омбудсмана:

1) фамилию, имя, а также по желанию - отчество;

2) сведения об образовании;

3) сведения об аффилированности к банкам, организациям, осуществляющим отдельные виды банковских операций;

4) сведения о местах работы и занимаемых должностях;

5) иную информацию, подтверждающую квалификацию, опыт работы кандидатов;

6) варианты голосования по вопросу, выраженные словами "за" или "против".

5. Банковский омбудсман избирается сроком на два года.

Досрочное прекращение полномочий банковского омбудсмана по его инициативе осуществляется на основании письменного уведомления совета представителей.

Письменное уведомление представляется совету представителей за месяц до прекращения полномочий в порядке, установленном внутренними правилами банковского омбудсмана, утвержденными советом представителей.

Сноска. Глава 2 дополнена статьей 40-1 в соответствии с Законом РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными Законом РК от 06.05.2017 № 63-VI (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования).

Статья 40-2. Требования к банковскому омбудсману

1. Не может быть рекомендовано для избрания банковским омбудсманом лицо:

1) не имеющее высшего образования;

2) не имеющее безупречной деловой репутации;

3) имеющее стаж работы в сфере предоставления финансовых услуг и (или) регулирования финансовых услуг менее трех лет;

4) ранее являвшееся руководящим работником финансовой организации в период не более чем за один год до принятия уполномоченным органом решения об отнесении банка к категории неплатежеспособных банков, принудительном выкупе акций банка, лишении лицензии финансовой организации, а также принудительной ликвидации финансовой организации или признании ее банкротом в порядке, установленном законодательством Республики Казахстан. Данное требование применяется в течение трех лет после принятия уполномоченным органом решения об отнесении банка к категории неплатежеспособных банков, принудительном выкупе акций банка, лишении лицензии финансовой организации, а также принудительной ликвидации финансовой организации или признании ее банкротом.

2. Банковский омбудсман не вправе занимать любую из должностей в финансовых организациях и организациях, осуществляющих микрофинансовую деятельность, быть аффилированным лицом банков, организаций, осуществляющих отдельные виды банковских операций.

Сноска. Глава 2 дополнена статьей 40-2 в соответствии с Законом РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 26.11.2012 № 57-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 40-3. Порядок принятия решений банковским омбудсманом

1. Решение принимается банковским омбудсманом единолично и в письменной форме доводится до сведения сторон, участвующих в споре.

При принятии решений банковский омбудсман руководствуется законодательством Республики Казахстан и условиями заключенных договоров.

2. Банковский омбудсман не рассматривает обращения:

принятые к рассмотрению судом и (или) по которым имеется решение суда, вступившее в законную силу;

по которым обращающееся лицо не представило письменное доказательство его обращения в банк, организацию, осуществляющую отдельные виды банковских операций, с целью урегулирования возникшей ситуации в рамках договора ипотечного займа;

направленные повторно при отсутствии новых обстоятельств дела;

по договору ипотечного займа, сумма которого превышает двадцать тысяч месячных расчетных показателей.

Требования настоящего пункта распространяются на обращения заемщика – физического лица в случае, предусмотренном частью первой пункта 1-1 статьи 40-1 настоящего Закона.

3. Решение банковского омбудсмана обязательно для банка, организации, осуществляющей отдельные виды банковских операций, в случае принятия его заемщиком.

В случае несогласия с решением банковского омбудсмана заинтересованная сторона вправе обратиться за защитой своих прав в суд.

4. По обращениям заемщиков - физических лиц, касающимся изменения условий исполнения обязательств по договорам ипотечного займа, банковский омбудсман содействует в достижении сторонами взаимоприемлемого решения путем проведения встреч и предоставления рекомендаций без принятия решения, предусмотренного настоящей статьей.

По обращению заемщика – физического лица в случае, предусмотренном пунктом 1-1 статьи 40-1 настоящего Закона, банковский омбудсман содействует в достижении сторонами взаимоприемлемого результата путем проведения встреч и предоставления рекомендаций без принятия решения, предусмотренного настоящей статьей.

Результаты рассмотрения обращения оформляются протоколом, подписываемым заинтересованными сторонами или их представителями с доведением его до сведения заемщика и банка, организации, осуществляющей отдельные виды банковских операций, лица, которому уступлено право (требование) по договору банковского займа или договору о предоставлении микрокредита.

Сноска. Глава 2 дополнена статьей 40-3 в соответствии с Законом РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 06.05.2017 № 63-VI (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования).

Статья 40-4. Деятельность банковского омбудсмана

1. Деятельность банковского омбудсмана, в том числе порядок и сроки рассмотрения обращений по разрешению споров и принятия решений, осуществляется на основании внутренних правил, согласованных с уполномоченным органом и утвержденных советом представителей.

2. В целях надлежащего исполнения возложенных функций деятельность банковского омбудсмана финансируется за счет обязательных взносов банков и организаций, осуществляющих отдельные виды банковских операций, входящих в совет представителей. Банковский омбудсман по согласованию с советом представителей вправе образовать структуру и штат (офис банковского омбудсмана).

3. Банковский омбудсман обязан соблюдать конфиденциальность в отношении информации, полученной в ходе разрешения споров, и не разглашать ее третьим лицам.

Банковский омбудсман несет ответственность, установленную законами Республики Казахстан, за разглашение сведений, полученных в ходе осуществления им своих функций.

В случае невыполнения банковским омбудсманом требований, предусмотренных пунктом 1 настоящей статьи и настоящим пунктом, совет представителей досрочно прекращает его полномочия.

Сноска. Глава 2 дополнена статьей 40-4 в соответствии с Законом РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Статья 40-5. Система управления рисками и внутреннего контроля

1. Банки формируют систему управления рисками и внутреннего контроля, которая должна содержать:

1) полномочия и функциональные обязанности по управлению рисками и внутреннему контролю совета директоров, правления, подразделений банка, их ответственность;

2) внутренние политики и процедуры по управлению рисками и внутреннему контролю;

3) лимиты на допустимый размер рисков в отдельности по видам банковских операций;

4) внутренние процедуры представления отчетности по управлению рисками и внутреннему контролю органам банка;

5) внутренние критерии оценки эффективности системы управления рисками.

Порядок формирования системы управления рисками и внутреннего контроля устанавливается нормативным правовым актом уполномоченного органа.

2. Банковский конгломерат должен иметь систему управления рисками и внутреннего контроля, соответствующую требованиям, установленным нормативным правовым актом уполномоченного органа.

Родительская организация банковского конгломерата обеспечивает соблюдение требований к системе управления рисками и внутреннего контроля на консолидированной основе.

Родительская организация банковского конгломерата несет ответственность за соблюдение участниками банковского конгломерата требований к системе управления рисками и внутреннего контроля.

3. Уполномоченный орган осуществляет оценку соответствия системы управления рисками и внутреннего контроля требованиям, установленным настоящей статьей.

Сноска. Глава 3 дополнена статьей 40-5 в соответствии с Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменением, внесенным Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Глава 4. Регулирование деятельности банков

Сноска. Заголовок главы 4 в редакции Закона РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 41. Меры, применяемые к банкам и их должностным лицам. Способы банковского регулирования

В целях обеспечения финансовой устойчивости банков, защиты интересов их депозиторов, а также поддержания стабильности денежно-кредитной системы Республики Казахстан уполномоченный орган осуществляет регулирование деятельности банков, в том числе путем:

установления пруденциальных нормативов и других обязательных к соблюдению банками норм и лимитов, провизии против сомнительных и безнадежных активов;

издания обязательных к исполнению банками нормативных правовых актов;

проверок деятельности банков;

применения мер надзорного реагирования;

наложения санкций.

Регулирование деятельности банков осуществляется как в отношении отдельного банка, так и на консолидированной основе, то есть в отношении банковского конгломерата. Правила консолидированного надзора устанавливаются уполномоченным органом.

Сноска. Статья 41 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 69; от 23.12.2005 № 107 (порядок введения в действие см. ст. 2); от 31.01.2006 № 125; от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 42. Пруденциальные нормативы и иные обязательные к соблюдению нормы и лимиты

1. В состав пруденциальных нормативов, устанавливаемых уполномоченным органом для их обязательного соблюдения банками, входят:

минимальный размер уставного капитала банка;

минимальный размер собственного капитала банка;

коэффициент достаточности собственного капитала;

максимальный размер риска на одного заемщика;

коэффициент ликвидности;

лимиты открытой валютной позиции.

В состав пруденциальных нормативов, устанавливаемых уполномоченным органом для их обязательного соблюдения банковскими конгломератами, входят:

минимальный размер уставного капитала;

коэффициент достаточности собственного капитала;

максимальный размер риска на одного заемщика.

Уполномоченный орган вправе устанавливать дополнительные пруденциальные нормативы и иные обязательные к соблюдению нормы и лимиты, используемые в международной банковской практике.

Уполномоченный орган в соответствии с банковским законодательством Республики Казахстан принимает меры по привлечению к ответственности банков и (или) банковских холдингов либо их должностных лиц и (или) крупных участников банков за нарушение банком пруденциальных нормативов и (или) иных обязательных к соблюдению норм и лимитов.

Уполномоченный орган вправе устанавливать к банкам и банковским конгломератам, не имеющим банковского холдинга, отдельные пруденциальные нормативы и их нормативные значения на уровне, достаточном для покрытия потенциальных значительных убытков, возникающих при возможных максимальных изменениях факторов рисков, присущих данному банку и банковскому конгломерату.

1-1. Пруденциальные нормативы и иные обязательные к соблюдению нормы и лимиты для исламских банков, их нормативные значения и методика расчетов устанавливаются нормативным правовым актом уполномоченного органа с учетом особенностей осуществления исламскими банками банковской деятельности, предусмотренных настоящим Законом.

Перечень, формы отчетности о выполнении пруденциальных нормативов исламскими банками, сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативным правовым актом Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

2. В целях решения вопроса о соответствии финансового положения банка предъявляемым требованиям уполномоченный орган вправе определять размер капитала банка на определенную дату.

3. Нормативные значения и методики расчетов пруденциальных нормативов и иных обязательных к соблюдению норм и лимитов, размер капитала банка и банковского конгломерата, порядок расчета и лимиты открытой валютной позиции устанавливаются нормативными правовыми актами уполномоченного органа.

Перечень, формы отчетности о выполнении пруденциальных нормативов банками и банковскими конгломератами, сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативными правовыми актами Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

3-1. При неисполнении банком или участником банковского конгломерата требований уполномоченного органа, указанных в письменном предписании, по корректировке данных в финансовой и (или) иной отчетности расчет пруденциальных нормативов и других обязательных норм и лимитов осуществляется уполномоченным органом на основании откорректированной им отчетности.

4. В случае нарушения банком, банковским конгломератом коэффициентов достаточности собственного капитала, установленных нормативными правовыми актами уполномоченного органа, банк, банковский холдинг должны направить в уполномоченный орган план рекапитализации. План необходимо представить в течение одного месяца со дня нарушения коэффициента достаточности собственного капитала с подробным описанием мероприятий и сроков по устранению нарушений.

5. Банковские холдинги, а также крупные участники банка обязаны принимать меры, предусмотренные нормативными правовыми актами уполномоченного органа, по поддержанию коэффициентов достаточности собственного капитала банка и банковского конгломерата.

В случае ухудшения финансового положения банка или банковского конгломерата банковский холдинг, крупный участник банка обязаны по требованию уполномоченного органа принять меры по улучшению финансового положения банка или банковского конгломерата, в том числе увеличению собственного капитала банка или банковского конгломерата в размере, достаточном для обеспечения финансовой устойчивости банка или банковского конгломерата.

При невыполнении требований, предусмотренных настоящим пунктом, уполномоченный орган вправе применить к банковскому холдингу, крупному участнику банка принудительные меры надзорного реагирования, предусмотренные статьей 47-1 настоящего Закона.

6. Уполномоченный орган в целях обеспечения целостности и стабильности финансовой системы, защиты законных интересов депозиторов и кредиторов устанавливает пруденциальные нормативы и иные обязательные к соблюдению нормы и лимиты для филиала банка-нерезидента Республики Казахстан.

В целях обеспечения финансовой устойчивости филиала банка-нерезидента Республики Казахстан банк-нерезидент Республики Казахстан формирует активы филиала банка-нерезидента Республики Казахстан, принимаемые в качестве резерва.

Пруденциальные нормативы и иные обязательные к соблюдению нормы и лимиты для филиалов банков-нерезидентов Республики Казахстан (в том числе филиалов исламских банков-нерезидентов Республики Казахстан), их нормативные значения и методика расчетов, включая порядок формирования активов филиалов банков-нерезидентов Республики Казахстан (в том числе филиалов исламских банков-нерезидентов Республики Казахстан), принимаемых в качестве резерва, и их минимальный размер, устанавливаются нормативными правовыми актами уполномоченного органа.

Перечень, формы отчетности о выполнении пруденциальных нормативов филиалами банков-нерезидентов Республики Казахстан (в том числе филиалами исламских банков-нерезидентов Республики Казахстан), сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативными правовыми актами Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

Уполномоченный орган в соответствии с банковским законодательством Республики Казахстан принимает меры по привлечению к ответственности филиала банка-нерезидента Республики Казахстан за нарушение филиалом банка-нерезидента Республики Казахстан пруденциальных нормативов и (или) иных обязательных к соблюдению норм и лимитов.

В целях решения вопроса о соответствии финансового положения филиала банка-нерезидента Республики Казахстан предъявляемым требованиям уполномоченный орган вправе определять размер активов филиала банка-нерезидента Республики Казахстан, принимаемых в качестве резерва, на определенную дату.

При неисполнении филиалом банка-нерезидента Республики Казахстан требований уполномоченного органа, указанных в письменном предписании, по корректировке данных в отчетности по данным бухгалтерского учета и (или) иной отчетности расчет пруденциальных нормативов и других обязательных норм и лимитов осуществляется уполномоченным органом на основании откорректированной им отчетности.

В случае нарушения филиалом банка-нерезидента Республики Казахстан коэффициента достаточности активов, принимаемых в качестве резерва, установленного нормативным правовым актом уполномоченного органа, филиал банка-нерезидента Республики Казахстан должен направить в уполномоченный орган план рекапитализации. План необходимо представить в течение одного месяца со дня нарушения коэффициента достаточности активов, принимаемых в качестве резерва, с подробным описанием мероприятий и сроков по устранению нарушений.

Банк-нерезидент Республики Казахстан обязан принимать меры, предусмотренные нормативным правовым актом уполномоченного органа, по поддержанию коэффициента достаточности активов, принимаемых в качестве резерва, филиала банка-нерезидента Республики Казахстан.

В случае ухудшения финансового положения филиала банка-нерезидента Республики Казахстан банк-нерезидент Республики Казахстан обязан по требованию уполномоченного органа принять меры по улучшению финансового положения филиала банка-нерезидента Республики Казахстан, в том числе увеличению активов филиала банка-нерезидента Республики Казахстан, принимаемых в качестве резерва, в размере, достаточном для обеспечения финансовой устойчивости филиала банка-нерезидента Республики Казахстан.

Сноска. Статья 42 с изменениями, внесенными законами РК от 07.12.1996 N 50; от 11.07.1997 N 154; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 69; от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 16.12.2020); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 43. Провизии (резервы)

1. Исключен Законом РК от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018).

2. В целях обеспечения надлежащего уровня контроля и надежности своей деятельности в соответствии с характером и масштабом проводимых операций банки обязаны создавать провизии (резервы) в соответствии с международными стандартами финансовой отчетности.

3. Оценка достаточности созданных банком провизий (резервов) осуществляется уполномоченным органом, в том числе с использованием мотивированного суждения, на предмет соответствия, соблюдения и применения международных стандартов финансовой отчетности.

Сноска. Статья 43 в редакции Закона РК от 26.12.2012 № 61-V (вводится в действие с 01.01.2013); с изменениями, внесенными законами РК от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 44. Проверка деятельности банков, крупных участников банков, банковских холдингов и участников банковских конгломератов

Сноска. Заголовок статьи 44 с изменением, внесенным Законом РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования).

1. Проверка деятельности банков, крупных участников банков, банковских холдингов и участников банковских конгломератов производится уполномоченным органом самостоятельно либо с привлечением других государственных органов и (или) организаций.

При проведении проверки деятельности банков и (или) участников банковских конгломератов (за исключением банковских холдингов) уполномоченный орган вправе проверять деятельность аффилированных лиц банков исключительно в целях определения степени и характера их влияния на деятельность банков.

2. Банки, крупные участники банков, банковские холдинги, участники банковских конгломератов, а также их аффилированные лица обязаны оказывать содействие проверяющему органу по вопросам, указанным в задании уполномоченного органа на проверку, а также обеспечивать возможность опроса любых должностных лиц и работников и доступ к любым источникам необходимой для выполнения проверки информации.

3. Работникам уполномоченного органа запрещается разглашение либо передача третьим лицам сведений, полученных в ходе проверки деятельности банков, крупных участников банков, банковских холдингов и участников банковских конгломератов.

4. Лица, осуществляющие проверку, несут ответственность за разглашение сведений, полученных в ходе проверки деятельности банков, крупных участников банков, банковских холдингов, участников банковских конгломератов и составляющих банковскую либо коммерческую тайну.

5. Требования пунктов 1 и 2 настоящей статьи не распространяются на нерезидентов Республики Казахстан, являющихся крупным участником банка – юридическим лицом, банковским холдингом, лицом, обладающим признаками крупного участника банка или банковского холдинга, при выполнении одного из следующих условий:

наличие индивидуального кредитного рейтинга не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом, а также письменного подтверждения от органа финансового надзора страны происхождения крупного участника банка – юридического лица, банковского холдинга, лица, обладающего признаками крупного участника банка или банковского холдинга, о том, что указанные лица-нерезиденты Республики Казахстан подлежат консолидированному надзору;

6. При проведении проверки деятельности филиала банка-нерезидента Республики Казахстан уполномоченный орган вправе получать информацию о деятельности банка-нерезидента Республики Казахстан у органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, в рамках соглашения, указанного в подпункте 3) пункта 1 статьи 13-1 настоящего Закона.

Сноска. Статья 44 в редакции Закона РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 26.12.2012 № 61-V (вводится в действие с 04.02.2012); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 45. Меры раннего реагирования

1. В целях защиты законных интересов депозиторов и кредиторов банков, обеспечения финансовой устойчивости банка, недопущения ухудшения его финансового положения и увеличения рисков, связанных с банковской деятельностью, уполномоченный орган осуществляет анализ деятельности банков для выявления факторов, влияющих на ухудшение финансового положения банка. Факторы, влияющие на ухудшение финансового положения банка, устанавливаются нормативным правовым актом уполномоченного органа.

2. В целях обеспечения финансовой устойчивости банковского конгломерата, недопущения ухудшения его финансового положения и увеличения рисков, связанных с деятельностью банковского конгломерата, уполномоченный орган осуществляет анализ деятельности банковского конгломерата для выявления факторов, влияющих на ухудшение финансового положения банковского конгломерата.

Факторы, влияющие на ухудшение финансового положения банковского конгломерата, устанавливаются нормативным правовым актом уполномоченного органа.

3. В случае выявления факторов, указанных в пункте 1 настоящей статьи, в результате анализа финансового положения банка и (или) по итогам его проверки уполномоченный орган направляет в банк и (или) его акционерам требование в письменной форме по представлению плана мероприятий, предусматривающего меры раннего реагирования по повышению финансовой устойчивости банка, недопущению ухудшения его финансового положения и увеличения рисков, связанных с банковской деятельностью.

Банк и (или) его акционеры обязаны в срок не более пяти рабочих дней со дня получения указанного требования разработать и представить в уполномоченный орган план мероприятий с указанием сроков исполнения по каждому пункту и ответственных руководящих работников.

При одобрении уполномоченным органом плана мероприятий банк и (или) его акционеры приступают к его реализации, уведомляя уполномоченный орган о результатах его исполнения в установленные планом сроки.

При неодобрении плана мероприятий уполномоченный орган применяет к банку и (или) его крупным участникам (банковским холдингам) меры надзорного реагирования, предусмотренные настоящим Законом.

4. В случае выявления факторов, указанных в пункте 2 настоящей статьи, в результате анализа финансового положения банковского конгломерата и (или) по итогам проверки банковского холдинга либо участников банковского конгломерата уполномоченный орган направляет в банковский холдинг и (или) его крупным участникам требование в письменной форме по представлению плана мероприятий, предусматривающего меры раннего реагирования по повышению финансовой устойчивости банковского конгломерата, недопущению ухудшения его финансового положения и увеличения рисков, связанных с деятельностью банковского конгломерата.

Банковский холдинг и (или) его крупные участники обязаны в срок не более пяти рабочих дней со дня получения указанного требования разработать и представить в уполномоченный орган план мероприятий с указанием сроков исполнения по каждому пункту и ответственных руководящих работников.

При одобрении уполномоченным органом плана мероприятий банковский холдинг и (или) его крупные участники приступают к его реализации, уведомляя уполномоченный орган о результатах его исполнения в установленные планом сроки.

При неодобрении плана мероприятий уполномоченный орган применяет к банковскому холдингу и (или) его крупным участникам меры надзорного реагирования, предусмотренные настоящим Законом.

5. В случае непредставления в сроки, установленные пунктами 3 и 4 настоящей статьи, плана мероприятий, направленного на повышение финансовой устойчивости банка (банковского конгломерата), неисполнения или несвоевременного исполнения мероприятий этого плана к банку (банковскому холдингу) и (или) его крупным участникам применяются меры надзорного реагирования, предусмотренные настоящим Законом.

6. Порядок одобрения плана мероприятий, предусматривающего меры раннего реагирования, и методика определения факторов, влияющих на ухудшение финансового положения банка (банковского конгломерата), устанавливаются нормативным правовым актом уполномоченного органа.

7. Требования настоящей статьи не распространяются на нерезидентов Республики Казахстан, являющихся банковским холдингом, лицом, обладающим признаками банковского холдинга, при выполнении одного из следующих условий:

Сноска. Статья 45 в редакции Закона РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 26.12.2012 № 61-V (вводится в действие с 04.02.2012); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 45-1. Меры надзорного реагирования

1. В целях защиты законных интересов депозиторов, кредиторов, клиентов и корреспондентов банка, организации, осуществляющей отдельные виды банковских операций, обеспечения финансовой устойчивости банка и (или) банковского конгломерата, организации, осуществляющей отдельные виды банковских операций, недопущения ухудшения их финансового положения и увеличения рисков, связанных с банковской деятельностью, уполномоченный орган применяет к банку, организации, осуществляющей отдельные виды банковских операций, банковскому холдингу, их руководящим работникам, организациям, входящим в состав банковского конгломерата, крупным участникам банка, лицам, обладающим признаками крупного участника банка или банковского холдинга, меры надзорного реагирования.

2. Основаниями применения мер надзорного реагирования являются:

1) нарушение законодательства Республики Казахстан по вопросам, входящим в компетенцию уполномоченного органа;

2) недостатки и (или) риски в деятельности банка, организации, осуществляющей отдельные виды банковских операций, организаций, входящих в состав банковского конгломерата, выявленные уполномоченным органом в рамках осуществления функций по контролю и надзору, в том числе с использованием мотивированного суждения, которые могут привести к созданию положения, угрожающего стабильному функционированию банка или организации, осуществляющей отдельные виды банковских операций, и (или) интересам их депозиторов, и (или) кредиторов, и (или) клиентов, и (или) стабильности банковской системы;

3) выявление неправомерных действий или бездействия руководящих работников банка, организации, осуществляющей отдельные виды банковских операций, банковского холдинга, которые могут угрожать их стабильному функционированию и (или) интересам их депозиторов, кредиторов, клиентов и корреспондентов;

4) достаточные данные для признания действий (бездействия) руководящего работника (руководящих работников) не соответствующими требованиям законодательства Республики Казахстан по вопросам, входящим в компетенцию уполномоченного органа, и (или) свидетельствующими о нанесении ущерба банку и (или) его депозиторам, кредиторам и клиентам;

5) совершение действий лицом, обладающим признаками крупного участника банка или банковского холдинга, а также крупным участником банка (в том числе организациями, над которыми крупный участник имеет контроль), банковским холдингом или юридическими лицами, входящими в состав банковского конгломерата, в результате которых банку причинен или может быть причинен ущерб;

6) неустойчивое финансовое положение лиц, обладающих признаками крупного участника банка или банковского холдинга, а также крупных участников банка (в том числе организаций, над которыми крупный участник банка имеет контроль), банковского холдинга или организаций, входящих в состав банковского конгломерата;

7) невыполнение мер надзорного реагирования, ранее примененных в соответствии с настоящим Законом;

8) непредставление уполномоченному органу или Национальному Банку Республики Казахстан либо представление недостоверных отчетности или сведений, а также иной запрашиваемой уполномоченным органом или Национальным Банком Республики Казахстан информации;

9) воспрепятствование банком, организацией, осуществляющей отдельные виды банковских операций, банковским холдингом, организациями, входящими в состав банковского конгломерата, крупными участниками банка проведению проверки, вызвавшее невозможность ее проведения в установленные сроки;

10) неустранение банком, банковским холдингом, организацией, в которой банк и (или) банковский холдинг являются крупными участниками, недостатков, которые влияют на финансовое состояние банка или банковского конгломерата, указанных в аудиторском отчете, в сроки, предусмотренные пунктом 6 статьи 57 настоящего Закона.

3. При определении целесообразности применения мер надзорного реагирования и выборе меры надзорного реагирования учитываются:

1) уровень риска, характер нарушений и (или) недостатков и их последствий;

2) масштаб и значительность допущенных нарушений и (или) недостатков и их последствий;

3) систематичность и продолжительность нарушений и (или) недостатков;

4) влияние допущенных нарушений и (или) недостатков на финансовое состояние;

5) способность скорректировать ситуацию в результате применения выбранной меры надзорного реагирования;

6) наличие и эффективность (результативность) ранее примененных мер надзорного реагирования;

7) адекватность применяемой меры надзорного реагирования основаниям ее применения;

8) причины, обусловившие возникновение выявленных нарушений и (или) недостатков и (или) рисков;

9) принятие банком, организацией, осуществляющей отдельные виды банковских операций, банковским холдингом, организациями, входящими в состав банковского конгломерата, крупным участником банка самостоятельных мер, направленных на устранение нарушений и (или) недостатков, выявленных в деятельности, эффективность осуществления (неосуществления) в связи с этим конкретных мер по реализации принятых мер и (или) готовность принимать такие меры.

4. Уполномоченный орган применяет следующие меры надзорного реагирования:

1) рекомендательные меры надзорного реагирования в соответствии со статьей 45-2 настоящего Закона;

2) меры по улучшению финансового состояния и (или) минимизации рисков в соответствии со статьей 46 настоящего Закона;

3) принудительные меры надзорного реагирования в соответствии со статьей 47-1 настоящего Закона.

4-1. Национальный Банк Республики Казахстан применяет к юридическим лицам, осуществляющим деятельность исключительно через обменные пункты на основании лицензии Национального Банка Республики Казахстан на обменные операции с наличной иностранной валютой, и юридическим лицам, исключительной деятельностью которых является инкассация банкнот, монет и ценностей, меры надзорного реагирования, определенные подпунктами 1) и 2) пункта 4 настоящей статьи.

5. Уполномоченный орган вправе применить к банку, организации, осуществляющей отдельные виды банковских операций, банковскому холдингу, организациям, входящим в состав банковского конгломерата, крупным участникам банка любую из мер надзорного реагирования, определенных пунктом 4 настоящей статьи, вне зависимости от ранее примененных к ним мер надзорного реагирования.

6. Порядок применения мер надзорного реагирования устанавливается нормативным правовым актом уполномоченного органа.

7. В случае невыполнения лицом, указанным в пункте 1 настоящей статьи, мер надзорного реагирования уполномоченный орган вправе отстранить первого руководителя исполнительного органа или лицо, единолично осуществляющее функции исполнительного органа данного лица.

Информация об отстранении первого руководителя исполнительного органа или лица, единолично осуществляющего функции исполнительного органа данного лица, направляется уполномоченным органом в адрес лица, указанного в пункте 1 настоящей статьи.

С момента получения решения уполномоченного органа об отстранении первого руководителя исполнительного органа или лица, единолично осуществляющего функции исполнительного органа, лицом, указанным в пункте 1 настоящей статьи, все решения коллегиального органа с участием отстраненного лица считаются недействительными.

Сноска. Глава 4 дополнена статьей 45-1 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); с изменениями, внесенными законами РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 45-2. Рекомендательные меры надзорного реагирования

1. Уполномоченный орган применяет рекомендательные меры надзорного реагирования в случаях, когда недостатки, риски или нарушения, выявленные в деятельности банка, организации, осуществляющей отдельные виды банковских операций, банковского конгломерата и (или) организаций, входящих в состав банковского конгломерата, банковского холдинга, крупного участника банка, в том числе с использованием мотивированного суждения, не оказывают существенного влияния на финансовую устойчивость банка и (или) банковского конгломерата, не создают угрозу их финансовому положению и (или) интересам депозиторов банка.

2. Рекомендательные меры надзорного реагирования включают:

1) уведомление о выявленных недостатках, рисках или нарушениях с доведением (при необходимости, определяемой уполномоченным органом) данной информации до сведения отдельных органов банка, организации, осуществляющей отдельные виды банковских операций, организации, входящей в состав банковского конгломерата, крупного участника банка, банковского холдинга;

2) предоставление рекомендаций уполномоченного органа по устранению выявленных недостатков, рисков или нарушений;

3) предупреждение о возможности применения иных мер надзорного реагирования в случае повторного выявления уполномоченным органом недостатков, рисков или нарушений, а также невыполнения рекомендательных мер надзорного реагирования.

3. Рекомендательная мера надзорного реагирования оформляется письмом уполномоченного органа.

Сноска. Глава 4 дополнена статьей 45-2 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 46. Меры по улучшению финансового состояния и (или) минимизации рисков

1. Уполномоченный орган в целях устранения недостатков, рисков или нарушений, в том числе выявленных с использованием мотивированного суждения, применяет меры по улучшению финансового состояния и (или) минимизации рисков банка, организации, осуществляющей отдельные виды банковских операций, банковского холдинга, банковского конгломерата и (или) организаций, входящих в состав банковского конгломерата, крупного участника банка посредством предъявления требований по:

1) поддержанию коэффициентов достаточности собственного капитала и (или) коэффициентов ликвидности выше минимальных значений, установленных уполномоченным органом;

2) приостановлению и (или) ограничению проведения отдельных видов банковских и иных операций, совершения отдельных видов сделок либо установлению особого порядка их осуществления;

3) реструктуризации активов и (или) обязательств банка, включая изменение их структуры;

4) сокращению расходов, в том числе посредством прекращения или ограничения дополнительного найма работников, закрытия отдельных филиалов и представительств, дочерних организаций, ограничения денежных вознаграждений и других видов материальных поощрений руководящих работников;

5) приостановлению и (или) ограничению инвестиций в определенные виды активов либо установлению их особого порядка осуществления;

6) формированию провизий (резервов) по международным стандартам финансовой отчетности;

7) признанию физического или юридического лица лицом, связанным с банком, банковским холдингом, организацией, осуществляющей отдельные виды банковских операций, особыми отношениями;

8) изменению условий сделки, совершенной на льготных условиях с лицом, связанным с банком, банковским холдингом, организацией, осуществляющей отдельные виды банковских операций, особыми отношениями, на условия по аналогичным сделкам с третьими лицами, заключенным на дату совершения сделки с льготными условиями;

9) ограничению операций с лицами, связанными с банком, банковским холдингом, организацией, осуществляющей отдельные виды банковских операций, особыми отношениями;

10) прекращению начисления и (или) выплаты дивидендов по простым и (или) привилегированным акциям и (или) бессрочным финансовым инструментам;

11) пересмотру внутренних политик и процедур, лимитов на допустимый размер рисков, процедуры оценки эффективности системы управления рисками и внутреннего контроля;

12) отстранению от выполнения служебных обязанностей лиц, указанных в статье 20 настоящего Закона и нормативном правовом акте уполномоченного органа, устанавливающем порядок формирования системы управления рисками и внутреннего контроля, в том числе в случае отстранения банком, банковским холдингом, организацией, осуществляющей отдельные виды банковских операций, банком – нерезидентом Республики Казахстан лиц, указанных в статье 20 настоящего Закона, от выполнения служебных обязанностей до применения уполномоченным органом данной меры надзорного реагирования. При применении к руководящему работнику данной меры надзорного реагирования уполномоченный орган отзывает согласие на назначение (избрание) на должность руководящего работника;

13) проведению оценки стоимости имущества, принадлежащего крупному участнику банка и (или) банковскому холдингу;

14) устранению причин и (или) условий, способствовавших нарушению прав и законных интересов депозиторов, и (или) кредиторов, и (или) клиентов банков, организаций, осуществляющих отдельные виды банковских операций;

15) обеспечению соответствия их деятельности законодательству Республики Казахстан.

Для целей применения к филиалам банков-нерезидентов Республики Казахстан подпункта 1) части первой настоящего пункта под коэффициентом достаточности собственного капитала понимается коэффициент достаточности активов, принимаемых в качестве резерва.

2. Меры, предусмотренные пунктом 1 настоящей статьи, применяются в форме письменного предписания или письменного соглашения.

3. Письменным предписанием является указание банку, организации, осуществляющей отдельные виды банковских операций, банковскому холдингу, организациям, входящим в состав банковского конгломерата, крупному участнику банка на принятие обязательных к исполнению мер, установленных пунктом 1 настоящей статьи, и (или) на необходимость представления в установленный срок плана мероприятий по их исполнению (далее – план мероприятий).

В плане мероприятий указываются описание недостатков, рисков или нарушений, причин, приведших к их возникновению, перечень запланированных мероприятий, сроки их осуществления, а также ответственные руководящие работники.

4. Письменным соглашением является заключенное между уполномоченным органом и банком или организацией, осуществляющей отдельные виды банковских операций, или банковским холдингом, или организациями, входящими в состав банковского конгломерата, или крупным участником банка письменное соглашение об исполнении мер, установленных пунктом 1 настоящей статьи, с указанием сроков устранения выявленных недостатков, рисков или нарушений и (или) перечня ограничений, которые на себя принимают указанные лица до устранения выявленных нарушений и (или) недостатков.

Письменное соглашение подлежит обязательному подписанию со стороны банка или организации, осуществляющей отдельные виды банковских операций, или банковского холдинга, или организаций, входящих в состав банковского конгломерата, или крупного участника банка.

5. Банк, организация, осуществляющая отдельные виды банковских операций, банковский холдинг, организация, входящая в состав банковского конгломерата, или крупный участник банка обязаны уведомить уполномоченный орган об исполнении мер, указанных в письменном предписании и письменном соглашении, в сроки, предусмотренные данными документами.

6. В случае отсутствия возможности устранения нарушения в сроки, установленные в письменном предписании и (или) плане мероприятий, письменном соглашении, по причинам, независящим от банка, банковского холдинга, организации, входящей в состав банковского конгломерата, крупного участника банка, организации, осуществляющей отдельные виды банковских операций, срок по исполнению письменного предписания и (или) плана мероприятий, письменного соглашения может быть продлен до даты, установленной уполномоченным органом.

Сноска. Статья 46 - в редакции Закона РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); с изменениями, внесенными законами РК от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 47. Санкции

Сноска. Статья 47 исключена Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 47-1. Принудительные меры надзорного реагирования

Сноска. Заголовок статьи 47-1 в редакции Закона РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

1. Уполномоченный орган применяет принудительные меры надзорного реагирования к лицам, обладающим признаками крупного участника банка или банковского холдинга, а также крупным участникам банка, банковскому холдингу и организациям, входящим в состав банковского конгломерата, в случаях:

1) предусмотренных пунктом 11 статьи 17-1, пунктом 5 статьи 42 и пунктом 6 статьи 57 настоящего Закона;

2) если применение иных мер надзорного реагирования не может обеспечить защиту законных интересов депозиторов и кредиторов, финансовую устойчивость банка и (или) банковского конгломерата, минимизацию рисков, связанных с деятельностью банка, банковского холдинга;

3) если действия (бездействие) банковского холдинга и (или) крупного участника банка могут привести к дальнейшему ухудшению финансового положения банка, банковского холдинга.

2. При наличии случаев, предусмотренных пунктом 1 настоящей статьи, уполномоченный орган вправе:

1) требовать от лица, обладающего признаками крупного участника, а также от крупного участника банка уменьшения доли его прямого или косвенного владения до уровня ниже десяти процентов голосующих акций банка;

2) требовать от лица, обладающего признаками банковского холдинга, а также от банковского холдинга уменьшения доли его прямого или косвенного владения до уровня ниже двадцати пяти процентов голосующих акций банка и приостановить осуществление операций (прямых и косвенных) между ним и банком, подвергающих банк риску;

3) требовать от банка и банковского холдинга в отношении организаций, в которых банк или банковский холдинг является акционером (участником), а также организаций, входящих в состав банковского конгломерата, приостановить осуществление операций (прямых и косвенных) между ними, подвергающих банк и (или) банковский холдинг либо организации, входящие в состав банковского конгломерата, риску;

4) требовать от банка или лица, обладающего признаками банковского холдинга, а также банковского холдинга отчуждения своей доли владения или контроля над дочерней организацией или организациями, в капитале которых они имеют значительное участие;

5) требовать от организаций, входящих в состав банковского конгломерата, приостановить осуществление операций (прямых и косвенных) между ними и их аффилированными лицами, подвергающих организации, входящие в состав банковского конгломерата, риску;

6) в целях увеличения собственного капитала банка или банковского конгломерата в размере, достаточном для обеспечения финансовой устойчивости банка или банковского конгломерата, требовать от банковского холдинга, крупного участника банка принятия мер по дополнительной капитализации банка или банковского конгломерата.

3. В случае невыполнения крупным участником банка, банковским холдингом либо лицом, обладающим признаками крупного участника банка либо банковского холдинга, требований, предусмотренных пунктом 2 настоящей статьи, а также пунктом 6 статьи 57 настоящего Закона, на основании решения уполномоченного органа учреждается доверительное управление акциями банка, принадлежащими крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка, банковского холдинга. Данные акции передаются в доверительное управление уполномоченному органу сроком до трех месяцев.

Уполномоченный орган вправе принять решение о передаче акций банка, принадлежащих крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка либо банковского холдинга, в доверительное управление национальному управляющему холдингу.

В случае передачи акций банка, принадлежащих крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка либо банковского холдинга, в доверительное управление национальному управляющему холдингу срок, на который учреждается доверительное управление акциями, определяется в решении уполномоченного органа об учреждении доверительного управления.

В период осуществления уполномоченным органом либо национальным управляющим холдингом доверительного управления акциями банка собственник акций не вправе осуществлять какие-либо действия в отношении акций, находящихся в доверительном управлении.

Крупный участник банка, банковский холдинг либо лицо, обладающее признаками крупного участника банка, банковского холдинга, вправе ходатайствовать перед уполномоченным органом о продаже всех принадлежащих им акций банка лицам, указанным в ходатайстве.

Ходатайство удовлетворяется уполномоченным органом в случае выполнения приобретателями акций, указанными в ходатайстве, требований законодательных актов Республики Казахстан.

При неустранении оснований для передачи акций банка, принадлежащих крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка либо банковского холдинга, в доверительное управление до истечения срока, на который было учреждено доверительное управление, уполномоченный орган либо национальный управляющий холдинг отчуждает акции банка, находящиеся в доверительном управлении, путем их реализации на организованном рынке ценных бумаг по рыночной стоимости, сложившейся на дату принятия решения о реализации акций. В случае отсутствия информации о рыночной стоимости акций цена реализации акций может быть определена оценщиком в соответствии с законодательством Республики Казахстан. Вырученные от продажи указанных акций деньги перечисляются лицам, чьи акции были переданы в доверительное управление.

Мероприятия по продаже акций банка, принадлежащих крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка, банковского холдинга, осуществляются за счет средств банка.

Порядок осуществления доверительного управления акциями банка, принадлежащими крупному участнику банка, банковскому холдингу либо лицу, обладающему признаками крупного участника банка либо банковского холдинга, а также действий уполномоченного органа либо национального управляющего холдинга в период доверительного управления устанавливается нормативным правовым актом уполномоченного органа.

4. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).
Сноска. Статья 47-1 в редакции Закона РК от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 47-2. Санкции

1. Уполномоченный орган, Национальный Банк Республики Казахстан в пределах их компетенции вправе применить к банку, банковскому холдингу, организациям, входящим в состав банковского конгломерата, крупным участникам банка, а также организации, осуществляющей отдельные виды банковских операций, вне зависимости от примененных ранее к ним мер надзорного реагирования санкцию в виде приостановления действия либо лишения лицензии и (или) приложения к лицензии на проведение всех или отдельных банковских операций по основаниям, установленным статьей 48 настоящего Закона.

2. Решение о приостановлении действия или лишении лицензии банка на проведение всех или отдельных банковских операций вступает в силу с даты его принятия.

Действие лицензии банка на проведение всех или отдельных банковских операций считается приостановленным со дня доведения такого решения до сведения банка.

3. Информация о принятом решении о приостановлении действия или лишении лицензии и (или) приложения к лицензии публикуется на интернет-ресурсе уполномоченного органа, Национального Банка Республики Казахстан на казахском и русском языках.

4. Решение о лишении лицензии на проведение всех банковских операций вправе обжаловать от имени банка только его акционеры.

4-1. Решение о лишении лицензии филиала банка-нерезидента Республики Казахстан на проведение всех банковских операций вправе обжаловать от имени филиала банка-нерезидента Республики Казахстан только банк-нерезидент Республики Казахстан.

Филиал банка-нерезидента Республики Казахстан, лишенный лицензии на проведение всех банковских операций, не вправе осуществлять банковскую или иную деятельность.

5. Требования пунктов 2, 3 и 4 настоящей статьи распространяются на случаи лишения лицензии и (или) приложения к лицензии организации, осуществляющей отдельные виды банковских операций.

Сноска. Глава 4 дополнена статьей 47-2 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); с изменениями, внесенными законами РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020); от 26.06.2020 № 349-VI(вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 48. Основания для приостановления, прекращения действия либо лишения лицензии и (или) приложения к лицензии на проведение всех или отдельных банковских операций

Сноска. Заголовок статьи 48 в редакции Закона РК от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования).

1. Приостановление действия либо лишение лицензии и (или) приложения к ней на проведение всех или отдельных банковских операций производится по любому из следующих оснований:

1) несоблюдение в процессе деятельности банка и организации, осуществляющей отдельные виды банковских операций, требований статьи 20, пунктов 2 и 7 статьи 26 настоящего Закона;

2) отзыв статуса банковского холдинга, крупного участника банка – физического лица, владеющего двадцатью пятью или более процентами размещенных (за вычетом привилегированных и выкупленных банком) акций банка, при отсутствии у банка иного банковского холдинга или крупного участника – физического лица, владеющего двадцатью пятью или более процентами акций банка;

3) отсутствие у банка (за исключением банков, более пятидесяти процентов размещенных акций которых прямо или косвенно принадлежат государству и (или) национальному управляющему холдингу), имеющего лицензию на прием депозитов, открытие и ведение банковских счетов физических лиц, родительского банка либо банковского холдинга, имеющих минимальный требуемый рейтинг одного из рейтинговых агентств, перечень которых устанавливается нормативным правовым актом уполномоченного органа, либо крупного участника – физического лица;

4) осуществление банковских операций с систематическими (три и более раза в течение двенадцати последовательных календарных месяцев) нарушениями норм действующего законодательства;

5) несоблюдение обязанности по раскрытию общих условий проведения банковских операций, установленной статьей 32 настоящего Закона;

6) нарушение запрета, установленного статьей 40 настоящего Закона, на предоставление льготных условий лицам, связанным с банком особыми отношениями;

7) систематическое (три и более раза в течение двенадцати последовательных календарных месяцев) нарушение законодательства Республики Казахстан по вопросам, входящим в компетенцию уполномоченного органа или Национального Банка Республики Казахстан, либо систематическое (три и более раза в течение двенадцати последовательных календарных месяцев) невыполнение мер надзорного реагирования, примененных уполномоченным органом, Национальным Банком Республики Казахстан;

8) несоответствие системы управления рисками и внутреннего контроля требованиям уполномоченного органа;

9) осуществление деятельности, запрещенной и ограниченной для банков в соответствии с условиями статьи 8 настоящего Закона;

10) осуществление банком операций, выходящих за пределы его правоспособности, установленной настоящим Законом, уставом банка и лицензией на проведение банковских операций;

11) неосуществление банком, организацией, осуществляющей отдельные виды банковских операций, в соответствии с выданной им лицензией и (или) приложением к ней деятельности в течение двенадцати последовательных календарных месяцев с даты ее (его) выдачи;

12) неосуществление юридическим лицом, осуществляющим деятельность исключительно через обменные пункты на основании лицензии Национального Банка Республики Казахстан на обменные операции с наличной иностранной валютой, в течение двенадцати последовательных календарных месяцев деятельности в соответствии с выданной лицензией и (или) приложением к ней;

13) несоответствие юридического лица, осуществляющего деятельность исключительно через обменные пункты на основании лицензии Национального Банка Республики Казахстан на обменные операции с наличной иностранной валютой, квалификационным требованиям, предъявляемым к деятельности по осуществлению обменных операций с наличной иностранной валютой исключительно через обменные пункты;

14) принятие судом решения о прекращении деятельности банка;

15) невыполнение банковским холдингом, крупным участником банка требований уполномоченного органа по увеличению собственного капитала банка, а также требований, предъявляемых в соответствии с пунктом 2 статьи 47-1 настоящего Закона;

16) отнесение банка к категории неплатежеспособного банка в соответствии с настоящим Законом;

17) несоблюдение филиалом банка-нерезидента Республики Казахстан требований к размеру активов, принимаемых в качестве резерва, установленному нормативным правовым актом уполномоченного органа в соответствии с частью третьей пункта 6 статьи 42 настоящего Закона;

18) приостановление действия либо лишение банка-нерезидента Республики Казахстан лицензии на проведение всех или отдельных аналогичных по существу банковских операций органом финансового надзора или судом государства, резидентом которого является банк-нерезидент Республики Казахстан;

19) принятие судом государства, резидентом которого является банк-нерезидент Республики Казахстан, решения о принудительной ликвидации (прекращении деятельности) банка-нерезидента Республики Казахстан;

20) принятие судом решения о прекращении деятельности филиала банка-нерезидента Республики Казахстан в случаях, предусмотренных частью второй пункта 4 статьи 74-5 настоящего Закона.

1-1. Банк (за исключением исламского банка), не являющийся участником системы обязательного гарантирования депозитов, лишается лицензии на прием депозитов, открытие и ведение банковских счетов физических лиц.

1-2. Исключен Законом РК от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).
1-3. Исключен Законом РК от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

1-4. Прекращение действия лицензии и (или) приложения к лицензии на проведение всех или отдельных банковских операций осуществляется по основаниям, предусмотренным Законом Республики Казахстан "О разрешениях и уведомлениях", при выдаче разрешения банку на добровольную ликвидацию, разрешения филиалу банка-нерезидента Республики Казахстан на добровольное прекращение деятельности.

2. При определении целесообразности применения санкций и выборе санкции в виде приостановления действия либо лишения лицензии и (или) приложения к лицензии на проведение всех либо отдельных банковских операций учитываются:

1) уровень риска, характер нарушений и (или) недостатков и их последствий;

2) масштаб и значительность допущенных нарушений и (или) недостатков и их последствий;

3) систематичность и продолжительность нарушений и (или) недостатков;

4) влияние допущенных нарушений и (или) недостатков на финансовое состояние;

5) причины, обусловившие возникновение выявленных нарушений и (или) недостатков;

6) принятие банком, организацией, осуществляющей отдельные виды банковских операций, самостоятельных мер, направленных на устранение недостатков, рисков или нарушений, выявленных в деятельности;

7) возможность принятия к неплатежеспособному банку мер урегулирования.

Сноска. Статья 48 с изменениями, внесенными Указом Президента РК, имеющим силу Закона, от 27.01.1996 N 2830; законами РК от 11.07.1997 N 154; от 08.12.1997 N 200; от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 08.07.2005 N 69; от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); от 31.01.2006 N 125; от 12.01.2007 N 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 28.08.2009 N 192-IV (вводится в действие с 08.03.2010); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 21.06.2012 № 19-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.05.2014 № 203-V (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие с 01.09.2014); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 02.07.2018 № 168-VI (порядок введения в действие см. ст. 2); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 48-1. Последствия лишения банка лицензии

1. Банк, лишенный лицензии на проведение всех банковских операций, не вправе осуществлять банковскую или иную деятельность.

С даты лишения банка лицензии на проведение всех банковских операций:

1) прекращаются все операции по банковским счетам клиентов и самого банка, за исключением случаев, связанных с:

расходами, предусмотренными нормативными правовыми актами уполномоченного органа;

зачислением поступающих в пользу банка денег;

возвратом денег, поступивших и поступающих в пользу лиц, банковские счета которых закрыты, а также денег, поступивших и поступающих по ошибочным указаниям;

расходами по исполнению указаний клиентов по переводам денег, поступающих на их банковские счета после лишения банка лицензии, при условии отсутствия задолженности клиента перед банком или погашения клиентом имеющейся задолженности перед банком;

проведением операции, предусмотренной статьями 61-11 и 61-12 настоящего Закона;

2) учредители (участники), органы банка не вправе распоряжаться имуществом банка;

3) руководящие, а при необходимости и иные работники банка отстраняются от работы в соответствии с трудовым законодательством Республики Казахстан;

4) требования кредиторов к банку могут быть предъявлены только в ликвидационном производстве, за исключением требований, связанных с текущими расходами на содержание банка;

5) не допускаются взыскание денег с банковских счетов банка по требованиям кредиторов, органов государственных доходов, в том числе подлежащим удовлетворению в бесспорном (безакцептном) порядке, а также обращение взыскания на имущество банка;

6) должностным лицам и крупным участникам банка запрещается отчуждение принадлежащих им акций банка;

7) исполнение ранее принятых решений судов в отношении банка приостанавливается;

8) обязательства по погашению основного долга, вознаграждения и неустойки (штрафа, пени) исполняются должниками банка согласно заключенным договорам банковского займа и иным видам сделок;

9) обязательства банка, являющегося клиринговым участником, по сделкам с финансовыми инструментами, заключенным в торговых системах организаторов торгов методом открытых торгов и (или) с участием центрального контрагента, исполняются клиринговой организацией (центральным контрагентом), в том числе за счет полного использования клиринговой организацией (центральным контрагентом) финансовых инструментов, являющихся полным или частичным обеспечением обязательств по сделкам, по которым осуществляется клиринговая деятельность, маржевыми взносами, взносами в гарантийные фонды клиринговой организации (центрального контрагента), в порядке, установленном нормативным правовым актом уполномоченного органа и внутренними документами данной клиринговой организации (центрального контрагента).

1-1. После лишения лицензии банка на проведение всех банковских операций уполномоченный орган назначает временную администрацию (временного администратора) банка.

Полномочия ранее действовавших органов банка приостанавливаются.

1-2. Временная администрация (временный администратор) банка в течение десяти рабочих дней с даты лишения банка лицензии вправе принять решение о проведении операции, предусмотренной статьями 61-11 и 61-12 настоящего Закона, и обратиться в уполномоченный орган для согласования вопроса о проведении данной операции.

Уполномоченный орган в срок не более десяти рабочих дней согласовывает проведение или отказывает в проведении временной администрацией (временным администратором) банка операции, предусмотренной статьями 61-11 и 61-12 настоящего Закона.

Уполномоченный орган после проведения временной администрацией (временным администратором) банка указанной операции обращается в суд в течение десяти рабочих дней с заявлением о принудительном прекращении деятельности (ликвидации) банка в порядке, установленном законодательством Республики Казахстан.

В случае непринятия временной администрацией (временным администратором) банка решения о проведении операции, предусмотренной статьями 61-11 и 61-12 настоящего Закона, в срок, указанный в части первой настоящего пункта, или отказа уполномоченным органом в проведении данной операции уполномоченный орган в течение десяти рабочих дней обращается в суд с заявлением о принудительном прекращении деятельности (ликвидации) банка в порядке, установленном законодательством Республики Казахстан.

1-3. Временная администрация (временный администратор) банка по сделкам, совершенным банком, лишенным лицензии на проведение всех банковских операций, или уполномоченным им лицом в течение трех лет до даты лишения лицензии, вправе обратиться в суд с заявлением о признании сделок недействительными при наличии оснований недействительности сделок, предусмотренных гражданским законодательством Республики Казахстан и пунктом 2 статьи 61-13 настоящего Закона.

Последствия признания сделок недействительными, предусмотренные пунктом 3 статьи 61-13 настоящего Закона, распространяются на банк, лишенный лицензии на проведение всех банковских операций.

2. Порядок работы банка, назначения его временной администрации (временного администратора), полномочия временной администрации (временного администратора), а также порядок, формы и сроки представления временной администрацией (временным администратором) отчетности и иной информации в уполномоченный орган определяются нормативными правовыми актами уполномоченного органа.

3. Временная администрация (временный администратор) банка осуществляет свою деятельность в период до назначения уполномоченным органом ликвидационной комиссии банка.

Контроль за деятельностью временной администрации (временного администратора) банка до назначения ликвидационной комиссии банка осуществляет уполномоченный орган.

В целях осуществления контроля за деятельностью временной администрации (временного администратора) уполномоченный орган вправе при выявлении в деятельности временной администрации (временного администратора) нарушений требований законодательства Республики Казахстан, прав и законных интересов кредиторов выносить обязательные для исполнения временными администрациями (временными администраторами) письменные предписания об устранении выявленных нарушений и (или) причин, а также условий, способствовавших их совершению, в установленный срок и (или) предоставлении в установленный срок плана мероприятий.

В плане мероприятий, представленном в срок, установленный письменным предписанием, указываются описания нарушений, причин, приведших к их возникновению, перечень запланированных мероприятий, сроков их осуществления, а также ответственные должностные лица.

Обжалование письменного предписания уполномоченного органа осуществляется в порядке, установленном законами Республики Казахстан. Обжалование письменного предписания уполномоченного органа не приостанавливает его исполнения.

4. Отчет временной администрации (временного администратора) банка о выполненной работе представляется в уполномоченный орган для утверждения.

5. Временная администрация (временный администратор) банка складывает свои полномочия и передает документы и имущество банка председателю ликвидационной комиссии банка в срок не более одного месяца с даты назначения ликвидационной комиссии банка.

6. Прием-передача документов и имущества банка от временной администрации председателю ликвидационной комиссии оформляется актом, который составляется в четырех экземплярах, один экземпляр которого направляется в уполномоченный орган, другой - в суд, принявший решение о ликвидации банка.

7. В период своей деятельности временная администрация (временный администратор) банка не вправе:

осуществлять расходные операции, за исключением случаев, предусмотренных пунктом 1 настоящей статьи;

изменять условия ранее заключенных банком договоров, за исключением внесения изменений по соглашению сторон, не ухудшающих финансовое положение банка.

8. Запрещается финансирование уполномоченным органом расходов, связанных с принудительной реорганизацией и прекращением деятельности банков по основанию принудительной ликвидации, за исключением расходов, связанных с оплатой труда работников уполномоченного органа, включенных в состав временной администрации (временного администратора) банка и ликвидационной комиссии, а также расходов по опубликованию в официальных печатных изданиях Министерства юстиции Республики Казахстан на казахском и русском языках информации о принятом судом решении о принудительной ликвидации банка и расходов, связанных с государственной регистрацией прекращения деятельности банка по основанию принудительной ликвидации Корпорацией и со сдачей документов для хранения в архив после завершения ликвидации банка в случаях отсутствия имущества банка либо если его стоимость недостаточна для покрытия данных расходов.

Сноска. Закон дополнен статьей 48-1 в соответствии с Законом РК от 11.07.1997 N 154; в редакции Закона РК от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 07.11.2014 № 248-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019); от 03.07.2019 № 262-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 29.06.2020 № 351-VI (вводится в действие с 01.07.2021).

Статья 49. Основания и порядок отзыва разрешения на открытие банка

Сноска. Статья 49 исключена Законом РК от 25.11.2019 № 272-VI (вводится в действие с 02.01.2020).

Статья 50. Банковская тайна

1. Банковская тайна включает в себя сведения о клиентах и корреспондентах банков, их операциях и взаимоотношениях с банками, связанных с получением банковских услуг, в том числе без ограничения: информацию о наличии, владельцах и номерах банковских счетов и корреспондентов банков, остатках и движении денег на этих счетах и счетах самого банка, ограничениях на перечисленных счетах (решениях и (или) распоряжениях государственных органов о приостановлении расходных операций, арестах, залогах), операциях клиентов и корреспондентов и самого банка (за исключением общих условий проведения банковских операций), а также наличии, владельцах, характере и стоимости имущества клиентов, находящегося на хранении в сейфовых ящиках, шкафах и помещениях банка, информацию о получении клиентами кредитов (кроме случаев, определенных в настоящей статье), проведении операций по платежам и (или) переводам денег, в том числе выполненным без открытия банковского счета.

Не относятся к банковской тайне сведения о кредитах, выданных банком, находящимся в процессе ликвидации.

2. Банки гарантируют тайну по операциям и счетам своих депозиторов, клиентов и корреспондентов банков, а также тайну имущества, находящегося на хранении в сейфовых ящиках, шкафах и помещениях банков, и иных сведений, составляющих банковскую тайну согласно настоящей статье.

3. Должностные лица, работники банков, банковских холдингов-резидентов Республики Казахстан, юридических лиц, указанных в подпунктах 8), 8-1) и 8-2) части второй пункта 4 настоящей статьи, и иные лица, которые в силу осуществления своих служебных обязанностей получили доступ к сведениям, составляющим банковскую тайну, за их разглашение несут уголовную ответственность, за исключением случаев, предусмотренных пунктами 4 – 8, 8-1 настоящей статьи.

4. Банковская тайна может быть раскрыта только клиенту, любому третьему лицу на основании согласия владельца счета (имущества), данного в письменной форме либо посредством идентификационного средства владельца счета, кредитному бюро по банковским заемным, лизинговым, факторинговым, форфейтинговым операциям, учету векселей, а также выпущенным банком гарантиям, поручительствам, аккредитивам в соответствии с законами Республики Казахстан, а также лицам, указанным в пунктах 5, 6, 6-1, 7, 7-1, 7-2, 8 и 8-1 настоящей статьи, по основаниям и в пределах, предусмотренных настоящей статьей.

Не является разглашением банковской тайны:

1) обязательное уведомление банками органов государственных доходов исключительно в целях налогового администрирования об открытии банковских счетов физическому лицу, состоящему на регистрационном учете в качестве индивидуального предпринимателя, частного нотариуса, частного судебного исполнителя, адвоката, профессионального медиатора, иностранцу и лицу без гражданства, юридическому лицу, включая нерезидента, его структурным подразделениям;

1-1) предоставление банками уполномоченному органу по финансовому мониторингу информации, сведений и документов в соответствии с Законом Республики Казахстан "О противодействии легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма";

1-2) предоставление оператору платежного шлюза "электронного правительства", государственным органам и судам через платежный шлюз "электронного правительства" сведений и информации о платежах и переводах денег, связанных с уплатой платежей в бюджет, перечислением обязательных пенсионных взносов, обязательных профессиональных пенсионных взносов и социальных отчислений, оплатой государственных услуг, осуществляемое банками непосредственно при проведении данных платежей и переводов денег, а также представление сведений о возвращенных платежах и переводах денег, осуществляемое центральным уполномоченным органом по исполнению бюджета;

1-3) представление банками органу государственных доходов исключительно в целях налогового администрирования сведений по договорам уступки, заключенным с коллекторскими агентствами, по форме, установленной уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с Национальным Банком Республики Казахстан;

1-4) предоставление в порядке, определенном законодательством Республики Казахстан, банками, Национальным Банком Республики Казахстан органу государственных доходов информации и (или) документов по экспортным или импортным операциям, подлежащим контролю в соответствии с валютным законодательством Республики Казахстан;

1-5) представление банками органу государственных доходов сведений и документов, необходимых при проведении налоговой проверки и горизонтального мониторинга;

1-6) представление в органы государственных доходов информации о платежах и (или) переводах денег по валютным операциям в случаях, установленных законами Республики Казахстан;

1-7) обмен информацией, в том числе сведениями, составляющими банковскую тайну, между уполномоченным органом и Национальным Банком Республики Казахстан;

1-8) представление по запросу органов государственных доходов по налогоплательщикам – физическому лицу, состоящему на регистрационном учете в качестве индивидуального предпринимателя или лица, занимающегося частной практикой, юридическому лицу сведений по итоговым суммам платежей за календарный год, поступившим на текущий счет посредством применения оборудования (устройства), предназначенного для осуществления платежей с использованием платежных карточек и мобильных платежей;

Примечание ИЗПИ!
Действие подпункта 1-9) приостановлено до 01.01.2025 Законом РК от 31.12.2021 № 100 и в период приостановления с 01.01.2024 до 01.01.2025 данный пункт действует в следующей редакции.

1-9) при выявлении операций, имеющих признаки получения дохода от осуществления предпринимательской деятельности по определенным критериям, установленным уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с Национальным Банком Республики Казахстан, представлять уполномоченному государственному органу, осуществляющему руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, сведения по следующим физическим лицам:

лицам, занимающим ответственную государственную должность, и их супругам;

лицам, уполномоченным на выполнение государственных функций, и их супругам;

лицам, приравненным к лицам, уполномоченным на выполнение государственных функций, и их супругам;

лицам, на которых возложена обязанность по представлению декларации в соответствии с Конституционным законом Республики Казахстан "О выборах в Республике Казахстан" и законами Республики Казахстан "О противодействии коррупции", "О банках и банковской деятельности в Республике Казахстан", "О страховой деятельности", "О рынке ценных бумаг";

работникам государственных учреждений и их супругам, а также работникам субъектов квазигосударственного сектора и их супругам, за исключением лиц, исполнивших обязательства по представлению декларации об активах и обязательствах;

руководителям, учредителям (участникам) юридических лиц и их супругам, индивидуальным предпринимателям и их супругам, за исключением лиц, исполнивших обязательства по представлению декларации об активах и обязательствах.

Критерии отнесения операций, проводимых на банковских счетах физических лиц, к операциям, имеющим признаки получения дохода от осуществления предпринимательской деятельности, порядок, форма и сроки представления сведений устанавливаются уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с Национальным Банком Республики Казахстан;

2) представление эмитенту ценных бумаг и представителю держателей ценных бумаг сведений по договору банковского займа (выданному кредиту), права (требования) по которому передаются в качестве обеспечения по ценным бумагам, в том числе в рамках осуществления сделки секьюритизации;

2-2) раскрытие уполномоченным органом сведений об операциях с ценными бумагами и иными финансовыми инструментами, заключенных на организованном и неорганизованном рынке ценных бумаг, соответствующих одному из условий манипулирования на рынке ценных бумаг;

3) представление сведений об остатках денег на банковских счетах физических лиц и начисленному по ним вознаграждению банком и (или) временной администрацией, введенной в связи с лишением лицензии на проведение всех банковских операций, банкам-агентам для осуществления мероприятий, связанных с возвратом денег вкладчикам; аудиторской организации на основании письменного согласия владельца счета;

3-1) представление банком – участником системы обязательного гарантирования депозитов, отнесенным к категории банков с неустойчивым финансовым положением, создающим угрозу интересам его депозиторов и кредиторов и (или) угрозу стабильности финансовой системы, и (или) отнесенным к категории неплатежеспособных банков, временной администрацией по управлению банком (временным управляющим банком) сведений по депозитам физических лиц, а также сведений по их обязательствам в случае совпадения вкладчика и должника в одном лице организации, осуществляющей обязательное гарантирование депозитов, для осуществления функций, предусмотренных законодательством Республики Казахстан об обязательном гарантировании депозитов;

3-2) представление банком, временной администрацией, введенной в связи с лишением лицензии на проведение всех банковских операций, ликвидационной комиссией банка организации, осуществляющей обязательное гарантирование депозитов, сведений об остатках денег на банковских счетах физических лиц и о начисленном по ним вознаграждении, а также в случае совпадения вкладчика и должника в одном лице – сведений по их обязательствам;

4) представление другим банкам сведений, необходимых для проведения операций, предусмотренных статьями 61-2, 61-4, 61-11 и 61-12 настоящего Закона;

4-1) представление в электронной форме банками по запросу субъекта оказания услуг в электронной форме и субъекта получения услуг в электронной форме сведений о принадлежности банковского счета лицу, указанному в запросе, и наличии договора залога движимого имущества – при оказании государственных услуг в электронной форме в соответствии с Законом Республики Казахстан "Об информатизации";

4-2) представление в электронной форме банками по запросу субъекта оказания услуг в электронной форме и субъекта получения услуг в электронной форме сведений о сумме денег, дате осуществления платежа, отправителе денег и бенефициаре при осуществлении физическими и юридическими лицами платежей за оказываемые услуги в электронной форме в соответствии с Законом Республики Казахстан "Об информатизации";

4-3) представление банком в органы государственных доходов сведений о наличии (открытии), владельцах и номерах банковских счетов депозиторов, клиентов и корреспондентов банка, являющихся резидентами (налогоплательщиками) иностранного государства и (или) крупными участниками которых являются резиденты (налогоплательщики) иностранного государства, а также об остатках и движении денег на этих счетах и счетах самого банка, операциях банка и иной информации, необходимой для осуществления органами государственных доходов обязанностей, предусмотренных международным договором Республики Казахстан;

4-4) исключен Законом РК от 31.12.2021 № 100 (вводится в действие с 01.01.2022).

4-5) представление банками органу государственных доходов сведений об остатках и движении денег на банковских счетах лиц, состоящих на регистрационном учете в органах государственных доходов в качестве налогоплательщиков, осуществляющих деятельность по электронной торговле товарами;

4-6) предоставление банком в уполномоченный орган информации об инцидентах информационной безопасности банка, включая сведения о нарушениях, сбоях в информационных системах;

4-7) предоставление уполномоченным органом в Национальный координационный центр информационной безопасности информации об инцидентах информационной безопасности банка, включая сведения о нарушениях, сбоях в информационных системах, при наличии угрозы стабильности финансовой и (или) платежной системы Республики Казахстан;

4-8) предоставление уполномоченным органом аудиторской организации информации, указанной в части пятой пункта 9 статьи 57 настоящего Закона;

4-9) представление банком-участником синдиката кредиторов банку-агенту сведений, необходимых для организации и осуществления синдицированного финансирования в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации;

5) представление сведений банками второго уровня организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, а также юридическому лицу, осуществляющему независимую оценку активов, технический и (или) финансовый, и (или) юридический аудит, а также прочие услуги, необходимые для осуществления организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня своей уставной деятельности;

5-1) представление справки о наличии и номерах банковских счетов, остатках и движении денег на этих счетах, операциях банка (за исключением общих условий проведения банковских операций), а также сведений о наличии, характере и стоимости имущества, находящегося на хранении в сейфовых ящиках, шкафах и помещениях банка, представляемых организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, в отношении лица, являющегося заемщиком, гарантом, поручителем, лизингополучателем или залогодателем организации, на основании письменного запроса организации, подписанного председателем правления или его заместителями, при условии представления копий документов, подтверждающих приобретение организацией прав требования по данному кредиту с отметкой организации "Копия верна".

Надпись "Копия верна" указывается без кавычек, заверяется подписью уполномоченного лица организации, наделенного соответствующими полномочиями по заверению копий документов, с указанием его должности, фамилии и инициалов, даты заверения и скрепляется оттиском печати организации, за исключением субъектов частного предпринимательства;

5-2) представление банками второго уровня организации устойчивости, сто процентов голосующих акций которой принадлежат Национальному Банку Республики Казахстан, сведений, необходимых для реализации Программ рефинансирования ипотечных жилищных займов (ипотечных займов) и (или) повышения финансовой устойчивости банковского сектора Республики Казахстан, утвержденных Национальным Банком Республики Казахстан;

6) представление сведений реструктурируемым банком кредиторам банка, обязательства перед которыми предполагается реструктурировать, другим банкам в рамках реструктуризации по реструктурируемым активам и обязательствам;

7) предоставление банками и организациями, осуществляющими отдельные виды банковских операций, негативной информации в кредитные бюро и предоставление кредитными бюро негативной информации о субъекте кредитной истории в части просроченной задолженности свыше ста восьмидесяти календарных дней;

8) предоставление лицами, указанными в части первой пункта 4 статьи 36-1 настоящего Закона, информации по договору банковского займа (выданному кредиту) лицам, указанным в части первой пункта 4 статьи 36-1 настоящего Закона, при уступке (переуступке) прав (требований) по договору банковского займа;

8-1) предоставление организацией, специализирующейся на улучшении качества кредитных портфелей банков второго уровня, юридическому лицу, осуществляющему доверительное управление сомнительными и безнадежными активами, информации по кредиту (займу), права требования по которому приобретены данной организацией;

8-2) предоставление лицами, указанными в части первой пункта 4 статьи 36-1 настоящего Закона, информации по кредиту (займу) коллекторскому агентству в рамках договора о взыскании задолженности, заключенного с данным коллекторским агентством, или сервисной компании в рамках договора доверительного управления правами (требованиями) в соответствии со статьей 36-1 настоящего Закона;

9) представление банком сведений банковскому холдингу-резиденту Республики Казахстан для целей расчета пруденциальных нормативов банковским конгломератом, а также формирования системы управления рисками и внутреннего контроля банковского конгломерата;

10) представление другим банкам документов, подтверждающих факт выдачи банковского займа;

11) исключен Законом РК от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);
12) действовал с 01.01.2014 до 01.01.2020 в соответствии с Законом РК от 02.07.2014 № 225-V (порядок введения в действие см. ст. 2);

13) представление должностным лицом государственного органа или лицом, выполняющим управленческие функции в организации, документов и сведений, содержащих банковскую тайну, в качестве подтверждающих документов и материалов при направлении органу уголовного преследования сообщения об уголовном правонарушении;

14) предоставление в электронной форме банком по запросу нотариуса, сформированному в электронной форме с согласия клиента банка, информации о наличии и сумме денег на эскроу-счете, открытом клиенту банка для совершения сделки с недвижимым имуществом в безналичной форме по совершаемому нотариусом удостоверению договора об отчуждении недвижимого имущества;

15) представление Национальным Банком Республики Казахстан в органы государственных доходов и уполномоченный орган сведений и информации о снятии субъектами предпринимательства наличных денег с банковских счетов сверх установленных предельных размеров в соответствии с правилами снятия субъектами предпринимательства наличных денег с банковских счетов.

16) предоставление банками информации, сведений и документов, составляющих банковскую тайну, по лицам, включенным в реестр, по письменному запросу уполномоченного органа по возврату активов, подписанному первым руководителем либо лицом, исполняющим его обязанности, с приложением выписки из реестра, утвержденного в соответствии с Законом Республики Казахстан "О возврате государству незаконно приобретенных активов".

5. Справки о наличии и номерах банковских счетов выдаются банку, по отношению к которому владелец счета (счетов) является заемщиком, гарантом, поручителем, лизингополучателем или залогодателем, на основании запроса банка при условии представления документов, подтверждающих получение кредита, перечень и порядок представления которых устанавливаются в нормативных правовых актах Национального Банка Республики Казахстан.

Банком могут быть направлены запросы и документы, подтверждающие получение кредита, на бумажном носителе либо в электронной форме.

6. Справки о наличии и номерах банковских счетов юридического лица и (или) его структурного подразделения, а также текущих счетов физического лица, осуществляющего предпринимательскую деятельность без образования юридического лица, частного нотариуса, частного судебного исполнителя, адвоката, профессионального медиатора об остатках и движении денег на этих счетах выдаются:

а) государственным органам и должностным лицам, осуществляющим функции уголовного преследования: по находящимся в их производстве уголовным делам на основании письменного запроса, заверенного печатью и санкционированного прокурором;

б) судам: по находящихся в их производстве делам на основании определения, постановления, решения и приговора суда;

в) прокурору: на основании постановления о производстве проверки, в пределах его компетенции, по находящемуся у него на рассмотрении материалу;

в-1) органам национальной безопасности и Службе государственной охраны Республики Казахстан с санкции прокурора в целях предупреждения, вскрытия и пресечения разведывательных и (или) подрывных акций;

г) исключен Законом РК от 28.11.2014 № 257 (порядок введения в действие см. пп. 12) ст. 10);

д) органам государственных доходов в целях налогового администрирования, таможенного контроля в отношении:

проверяемого юридического лица и (или) его структурного подразделения по вопросам, связанным с налогообложением;

проверяемого физического лица;

проверяемого физического лица, состоящего на регистрационном учете в качестве индивидуального предпринимателя, частного нотариуса, адвоката, частного судебного исполнителя, профессионального медиатора, по вопросам, связанным с налогообложением;

физического лица, снятого с регистрационного учета в качестве индивидуального предпринимателя и прекратившего деятельность в упрощенном порядке за период времени, не превышающий срока исковой давности, установленного налоговым законодательством Республики Казахстан;

юридического лица и (или) его структурного подразделения, индивидуального предпринимателя, частного нотариуса, частного судебного исполнителя, адвоката, профессионального медиатора, фактическое отсутствие которых по месту нахождения подтверждено в порядке, установленном налоговым законодательством Республики Казахстан, и не представивших налоговую отчетность до истечения шести месяцев после установленного налоговым законодательством Республики Казахстан срока ее представления, за исключением периода продления такого срока в случаях, предусмотренных налоговым законодательством Республики Казахстан;

юридического лица, индивидуального предпринимателя, частного нотариуса, частного судебного исполнителя, адвоката, профессионального медиатора, на которых распространяются особенности исполнения налогового обязательства при прекращении деятельности в соответствии с налоговым законодательством Республики Казахстан;

бездействующих юридического лица, индивидуального предпринимателя, частного нотариуса, адвоката;

проверяемого юридического лица и (или) его структурного подразделения, индивидуального предпринимателя, являющихся резидентами Республики Казахстан, в рамках таможенной проверки;

юридического лица, структурного подразделения юридического лица, физического лица, состоящего на регистрационном учете в качестве индивидуального предпринимателя, имеющих в течение четырех месяцев со дня возникновения непогашенную налоговую задолженность в размере более 10000-кратного размера месячного расчетного показателя, установленного законом о республиканском бюджете и действующего на 1 января соответствующего финансового года;

д-1) государственным судебным исполнителям: по находящимся в их производстве делам исполнительного производства на основании постановления государственного судебного исполнителя, заверенного печатью органа юстиции и санкционированного прокурором, только в части сведений о наличии и номерах банковских счетов юридического лица и (или) его структурного подразделения, о наличии денег на этих счетах в пределах взыскиваемой суммы;

д-2) частным судебным исполнителям: по находящимся в их производстве делам исполнительного производства на основании постановления частного судебного исполнителя, заверенного личной печатью и санкционированного прокурором, либо его копии, заверенной личной печатью, только в части сведений о наличии и номерах банковских счетов юридического лица и (или) его структурного подразделения, о наличии денег на этих счетах в пределах взыскиваемой суммы;

д-3) уполномоченному органу в области реабилитации и банкротства в отношении лица, по которому имеется вступившее в законную силу решение суда о признании банкротом, за период в течение пяти лет до возбуждения дела о банкротстве и (или) реабилитации с санкции прокурора.

6-1. Справки о наличии и номерах банковских счетов физического лица, об остатках и движении денег на этих счетах выдаются органам государственных доходов в отношении:

лица, зарегистрированного в установленном законом порядке в качестве кандидата в Президенты Республики Казахстан, депутаты Парламента Республики Казахстан и маслихата, а также в члены органов местного самоуправления, и его супруги (супруга);

лица, являющегося кандидатом на государственную должность либо на должность, связанную с выполнением государственных или приравненных к ним функций, и его супруги (супруга);

лица, занимающего государственную должность, в период выполнения им своих полномочий и его супруги (супруга) в этот же период;

лица, освобожденного условно-досрочно от отбывания наказания.

Сведения, предусмотренные настоящим пунктом, подпунктом д) пункта 6, подпунктом 1) части первой пункта 6-2 настоящей статьи, представляются на основании запроса органа государственных доходов исключительно в целях налогового администрирования по форме, установленной уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с Национальным Банком Республики Казахстан.

Сведения, предусмотренные подпунктом 2) части первой пункта 6-2, пунктами 6-3 и 6-4 настоящей статьи, представляются на основании запроса органа государственных доходов исключительно в целях налогового администрирования по форме, установленной уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с уполномоченным органом.

Примечание РЦПИ!
Пункт 6-2 действует с 01.01.2021 до 01.01.2026 в соответствии с Законом РК от 18.11.2015 № 412-V.

6-2. Банки и организации, осуществляющие отдельные виды банковских операций, представляют уполномоченному государственному органу, осуществляющему руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, на основании его запроса следующие сведения:

1) о наличии, номерах банковских счетов и об остатках денег на этих счетах физических лиц, обязанных представлять декларацию об активах и обязательствах;

2) о предоставленных кредитах физическим лицам, обязанным представлять декларацию об активах и обязательствах с указанием сумм погашения, включая вознаграждение.

Сведения, указанные в настоящем пункте, запрашиваются уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по состоянию на 1 января года, в течение которого у физических лиц, определенных налоговым законодательством Республики Казахстан, возникла обязанность по представлению декларации об активах и обязательствах.

К запросу уполномоченного государственного органа, осуществляющего руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, предусмотренному в части первой настоящего пункта, должен прилагаться список физических лиц, у которых возникла обязанность по представлению декларации об активах и обязательствах.

6-3. Сведения о предоставленных кредитах проверяемому физическому лицу, в том числе с указанием сумм погашения, включая вознаграждение, предоставляются в соответствии с налоговым законодательством Республики Казахстан банками и организациями, осуществляющими отдельные виды банковских операций, по запросам органов государственных доходов.

Органы государственных доходов используют сведения, указанные в настоящем пункте, в целях налогового администрирования по вопросам, связанным с налогообложением проверяемого лица.

6-4. Банковская тайна в части представления сведений о погашении физическим лицом вознаграждения по ипотечным жилищным займам, полученным на приобретение жилья в Республике Казахстан, может быть раскрыта на основании требования органов государственных доходов. Требование органов государственных доходов оформляется в случае согласия физического лица (владельца счета) на представление банками или организациями, осуществляющими отдельные виды банковских операций, сведений о погашении вознаграждения по ипотечным жилищным займам, указанного в декларации о доходах и имуществе.

6-5. Сведения о наличии (открытии), номерах банковских счетов и об остатках денег на этих счетах, а также наличии, виде и стоимости иного имущества, в том числе размещенного на металлических счетах или находящегося в управлении, представляются банками и организациями, осуществляющими отдельные виды банковских операций, уполномоченному государственному органу, осуществляющему руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, в соответствии с налоговым законодательством Республики Казахстан в отношении:

1) физических лиц-нерезидентов и юридических лиц-нерезидентов, а также юридических лиц, бенефициарными собственниками которых являются нерезиденты;

2) физических и юридических лиц, указанных в запросе уполномоченного органа иностранного государства, направленном в соответствии с международным договором Республики Казахстан.

Порядок, сроки и форма представления сведений, указанных в настоящем пункте, устанавливаются уполномоченным государственным органом, осуществляющим руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, по согласованию с уполномоченным органом и Национальным Банком Республики Казахстан.

7. Справки о наличии и номерах банковских счетов физического лица, об остатках и движении денег на этих счетах, а также имеющиеся сведения о характере и стоимости его имущества, находящегося на хранении в сейфовых ящиках, шкафах и помещениях банка, выдаются:

а) представителям физического лица: на основании нотариально удостоверенной доверенности;

б) органам дознания и предварительного следствия: по находящимся в их производстве уголовным делам в случаях, когда на деньги и иное имущество физического лица, находящиеся на счетах или на хранении в банке, может быть наложен арест, обращено взыскание или применена конфискация имущества на основании письменного запроса, подписанного первым руководителем или следователем, заверенного печатью органа дознания или предварительного следствия, либо запроса в электронной форме, удостоверенного посредством электронной цифровой подписи первого руководителя или следователя, санкции прокурора, наложенной, в том числе, в электронной форме;

в) судам: по находящимся в их производстве делам на основании определения, постановления, решения, приговора суда в случаях, когда на деньги и иное имущество физического лица, находящиеся на счетах или на хранении в банке, может быть наложен арест, обращено взыскание или применена конфискация имущества;

г) прокурору: на основании постановления о производстве проверки, представленного на бумажном носителе или в форме электронного документа, в пределах его компетенции по находящемуся у него на рассмотрении материалу;

г-1) органам национальной безопасности и Службе государственной охраны Республики Казахстан с санкции прокурора в целях предупреждения, вскрытия и пресечения разведывательных и (или) подрывных акций;

ж) государственным судебным исполнителям: по находящимся в их производстве делам исполнительного производства на основании постановления государственного судебного исполнителя, заверенного печатью органа юстиции и санкционированного прокурором, только в части сведений о наличии и номерах банковских счетов физического лица-должника, о наличии денег на этих счетах в пределах взыскиваемой суммы, а в случае недостаточности денег – также о движении денег на этих счетах с момента возбуждения исполнительного производства и о наличии сейфовых ящиков;

з) частным судебным исполнителям: по находящимся в их производстве делам исполнительного производства на основании постановления частного судебного исполнителя, заверенного личной печатью и санкционированного прокурором, только в части сведений о наличии и номерах банковских счетов физического лица-должника, о наличии денег на этих счетах в пределах взыскиваемой суммы, а в случае недостаточности денег – также о движении денег на этих счетах с момента возбуждения исполнительного производства и о наличии сейфовых ящиков.

и) финансовому управляющему на основании запроса о представлении сведений о наличии и номерах банковских счетов физического лица, в отношении которого возбуждено дело о применении процедуры восстановления платежеспособности или процедуры судебного банкротства, остатках денег на этих счетах, также о движении денег по таким счетам за период в течение трех лет до возбуждения дела о применении процедуры восстановления платежеспособности или процедуры судебного банкротства с санкции прокурора. В целях подтверждения полномочий к запросу прикладывается определение суда о возбуждении дела о применении процедуры;

к) уполномоченному органу в сфере государственного управления по восстановлению платежеспособности и банкротства граждан Республики Казахстан на основании запроса о представлении в отношении гражданина, подавшего заявление о применении процедур, предусмотренных Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан", сведений о наличии и номерах банковских счетов, остатках денег на этих счетах, также о движении денег по таким счетам за период в течение трех лет до подачи такого запроса.

7-1. Справки о наличии и номерах банковских счетов, остатках и движении денег по банковским счетам клиента, предусмотренные пунктами 6 и 7 настоящей статьи, представляются на бумажном носителе или в электронной форме в течение трех операционных дней со дня получения запроса уполномоченного органа, Национального Банка Республики Казахстан.

Справка может быть представлена в форме электронного документа при поступлении санкционированного прокурором постановления судебного исполнителя в электронной форме посредством государственной автоматизированной информационной системы исполнительного производства.

Справки о наличии и номерах банковских счетов, остатках и движении денег по банковским счетам клиента, представляемые на бумажном носителе, направляются в форме выписки о движении денег по банковским счетам клиента и содержат сведения, определенные нормативным правовым актом Национального Банка Республики Казахстан.

Справки о наличии и номерах банковских счетов, остатках и движении денег по банковским счетам клиента выдаются лицам, указанным в подпунктах а), б), в), д), д-1) и д-2) пункта 6, а также подпунктах б), в), г), ж) и з) пункта 7 настоящей статьи, на основании запроса на бумажном носителе или в электронной форме.

7-2. Банковская тайна может быть раскрыта банковскому омбудсману по находящимся у него на рассмотрении обращениям заемщиков - физических лиц по урегулированию разногласий, возникающих из договоров банковского займа.

8. Справки о наличии и номерах банковских счетов физического лица и об остатках денег на них, а также имеющиеся сведения о наличии, характере и стоимости его имущества, находящегося на хранении в сейфовых ящиках, шкафах и помещениях банка, в случае смерти владельца выдаются:

1) лицам, указанным владельцем счета (имущества) в завещательном распоряжении;

2) судам и нотариусам по находящимся в их производстве наследственным делам на основании определения, постановления суда или запроса нотариуса;

3) иностранным консульским учреждениям: по находящимся в их производстве наследственным делам;

4) наследникам.

8-1. Справки о наличии и номерах банковских счетов физического лица, в том числе осуществляющего предпринимательскую деятельность без образования юридического лица, частного нотариуса, частного судебного исполнителя, адвоката, профессионального медиатора об остатках и движении денег на этих счетах, открытых субъектам легализации для легализации денег в соответствии с Законом Республики Казахстан "Об амнистии граждан Республики Казахстан, оралманов и лиц, имеющих вид на жительство в Республике Казахстан, в связи с легализацией ими имущества", представляются органам дознания и предварительного следствия, органам государственных доходов с санкции Генерального Прокурора или его заместителей.

9. Исключен Законом РК от 29.06.1998 N 236.

10. Уполномоченный орган предоставляет информацию, содержащую банковскую тайну, организациям, указанным в пункте 4 статьи 15 Закона Республики Казахстан "О государственном регулировании, контроле и надзоре финансового рынка и финансовых организаций", на условиях, предусмотренных указанной статьей.

Национальный Банк Республики Казахстан предоставляет информацию, содержащую банковскую тайну, организациям, указанным в подпункте 38-2) статьи 8 Закона Республики Казахстан "О Национальном Банке Республики Казахстан", на условиях, предусмотренных указанной статьей.

Уполномоченный орган, Национальный Банк Республики Казахстан предоставляют информацию, полученную в соответствии с международными договорами Республики Казахстан, договорами, предусматривающими обмен конфиденциальной информацией, другим государственным органам Республики Казахстан только с согласия стороны, предоставившей ему такую информацию.

11. Запросы, постановления государственных органов или должностных лиц, перечисленных в пунктах 6 и 7 настоящей статьи, за исключением запросов органов государственных доходов, на бумажном носителе подлежат заверению печатью государственного органа или должностного лица.

При представлении копий запросов, постановлений государственных органов или должностных лиц в копиях указанных документов проставляется отметка "Копия верна". Отметка "Копия верна" указывается без кавычек, заверяется подписью уполномоченного лица, наделенного полномочиями по заверению копий документов, с указанием его должности, фамилии и инициалов, даты заверения и печатью государственного органа или должностного лица.

12. Изъятие и (или) истребование документов, которые содержат сведения, составляющие банковскую тайну, или их копий производятся на основании постановлений о производстве выемки, санкционированных судом в соответствии с нормами Уголовно-процессуального кодекса Республики Казахстан, или на основании определения суда в порядке, определенном Гражданским процессуальным кодексом Республики Казахстан.

13. Требования настоящей статьи распространяются также на организации, осуществляющие отдельные виды банковских операций.

Сноска. Статья 50 с изменениями, внесенными законами РК от 27.09.1996 N 37; от 11.07.1997 N 154; от 29.06.1998 N 236; от 29.03.2000 N 42; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 06.07.2004 N 572; от 13.12.2004 N 11 (вводится в действие с 01.01.2005); от 0 8.07.2005 N 69; от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); от 22.06.2006 N 147; от 19.02.2007 N 230 (порядок введения в действие см. ст. 2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 10.12.2008 N 101-IV (вводится в действие с 01.01.2009); от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 28.08.2009 N 192-IV (вводится в действие с 08.03.2010); от 30.12.2009 № 234-IV; от 02.04.2010 № 262-IV (вводятся в действие с 21.10.2010); от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 21.07.2011 № 467-IV (вводятся в действие с 01.07.2011); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 21.06.2012 № 19-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 26.12.2012 № 61-V (вводится в действие с 01.01.2013); от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2014 № 225-V (порядок введения в действие см. ст. 2); от 29.09.2014 № 239-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 07.11.2014 № 248-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 28.11.2014 № 257 (порядок введения в действие см. пп. 12) ст. 10); от 29.12.2014 № 269-V (вводится в действие с 01.01.2015); от 27.04.2015 № 311-V (порядок введения в действие см. ст. 2); от 02.08.2015 № 343-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 29.10.2015 № 376-V (вводится в действие с 01.01.2016); от 31.10.2015 № 378-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 13.11.2015 № 400-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 18.11.2015 № 412-V (вводится в действие с 01.01.2021); от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 26.07.2016 № 12-VІ (вводится в действие по истечении тридцати календарных дней после дня его первого официального опубликования); от 30.11.2016 № 26-VI (вводится в действие с 01.01.2017); от 28.12.2016 № 36-VІ (вводится в действие по истечении двух месяцев после дня его первого официального опубликования); от 06.05.2017 № 63-VI (вводится в действие по истечении двадцати одного календарного дня после дня его первого официального опубликования); от 25.12.2017 № 122-VI (порядок введения в действие см. ст. 11); от 26.12.2017 № 124-VI (вводится в действие с 01.01.2018); от 28.12.2017 № 128-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 24.05.2018 № 156-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 21.01.2019 № 217-VI (вводится в действие по истечении трех месяцев со дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 25.06.2020 № 347-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 03.07.2020 № 359-VI (вводится в действие с 01.01.2021); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 31.12.2021 № 100 (порядок введения в действие см ст.2); от 14.07.2022 № 141-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 04.07.2022 № 133-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 179-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 12.07.2023 № 23-VIII (порядок введения в действие см. ст. 2).

Статья 51. Наложение ареста и обращение взыскания на деньги и имущество, находящиеся в банке

1. На деньги и другое имущество физического или юридического лица, находящиеся на банковских счетах, арест может быть наложен судами на основании судебных актов и судебными исполнителями на основании постановлений судебных исполнителей, санкционированных прокурором. На деньги и другое имущество физического или юридического лица, находящиеся на банковских счетах, могут быть установлены временное ограничение на распоряжение имуществом, ограничения на совершение сделок и иных операций с имуществом по основаниям и в порядке, предусмотренным уголовно-процессуальным законодательством Республики Казахстан.

Не допускаются установление временного ограничения на распоряжение имуществом, ограничений на совершение сделок и иных операций с имуществом, наложение ареста:

1) на деньги, находящиеся на банковских счетах, и (или) электронные деньги, находящиеся на электронных кошельках электронных денег, предназначенных для зачисления пособий и социальных выплат, выплачиваемых из государственного бюджета и (или) Государственного фонда социального страхования;

2) на деньги, находящиеся на банковских счетах, предназначенных для зачисления жилищных выплат, единовременных пенсионных выплат из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты лечения, целевых активов, выплат целевых накоплений из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты образования;

2-1) на деньги, находящиеся на банковских счетах в жилищных строительных сберегательных банках в виде жилищных строительных сбережений, накопленные за счет использования жилищных выплат, в виде выплат целевых накоплений из единого накопительного пенсионного фонда в целях улучшения жилищных условий и (или) оплаты образования, на деньги, находящиеся на банковских счетах в банках второго уровня в виде накоплений на капитальный ремонт общего имущества объекта кондоминиума, за исключением взысканий на основании судебных решений по делам о неисполнении обязательств по договорам, заключаемым в целях проведения капитального ремонта общего имущества объекта кондоминиума;

2-2) на деньги, находящиеся на банковских счетах в жилищном строительном сберегательном банке, предназначенных для зачисления платежей и субсидий в целях оплаты за арендованное жилье в частном жилищном фонде;

3) на деньги, внесенные на условиях депозита нотариуса;

4) на деньги, находящиеся на банковских счетах по договору об образовательном накопительном вкладе, заключенному в соответствии с Законом Республики Казахстан "О Государственной образовательной накопительной системе";

5) на активы фонда социального медицинского страхования и средства целевого взноса, выделяемые на гарантированный объем бесплатной медицинской помощи, находящиеся на банковских счетах;

5-1) на деньги, находящиеся на банковских счетах, предназначенных для учета денег клиентов управляющего инвестиционным портфелем, по неисполненным обязательствам данного управляющего инвестиционным портфелем;

5-2) на деньги, находящиеся на банковских счетах, предназначенных для учета денег клиентов лица, осуществляющего функции номинального держателя, по неисполненным обязательствам данного лица, осуществляющего функции номинального держателя;

5-3) на деньги, находящиеся на банковских счетах для осуществления клиринговой деятельности по сделкам с финансовыми инструментами;

6) на деньги банков, страховых (перестраховочных) организаций, добровольных накопительных пенсионных фондов, лишенных уполномоченным органом лицензии и (или) находящихся в процессе принудительной ликвидации;

6-1) на деньги филиалов банков-нерезидентов Республики Казахстан, филиалов страховых (перестраховочных) организаций-нерезидентов Республики Казахстан, лишенных уполномоченным государственным органом лицензии и находящихся в процессе принудительного прекращения деятельности;

7) на деньги, находящиеся на банковских счетах, предназначенных для зачисления компенсации инвестиционных затрат, в соответствии с законодательством Республики Казахстан в области государственно-частного партнерства и о концессиях;

8) на деньги, находящиеся на текущем счете частного судебного исполнителя, предназначенном для хранения взысканных сумм в пользу взыскателей;

9) на деньги, находящиеся на банковском счете единого оператора в сфере государственных закупок, предназначенном для внесения потенциальными поставщиками или поставщиками денег в качестве обеспечительных мер в рамках участия в государственных закупках в соответствии с Законом Республики Казахстан "О государственных закупках".

10) на деньги, находящиеся на банковских счетах гражданина, в отношении которого возбуждено дело о применении процедуры или применена процедура в соответствии с Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан";

11) на деньги, находящиеся на текущем счете финансового управляющего для зачисления денег в процедуре судебного банкротства в соответствии с Законом Республики Казахстан "О восстановлении платежеспособности и банкротстве граждан Республики Казахстан".

Положение подпункта 7) части второй настоящего пункта не распространяется на ограничения, накладываемые органами государственных доходов, а также судами на основании судебных актов и судебными исполнителями на основании постановлений судебных исполнителей, санкционированных прокурором, по которым имеются требования, относящиеся к первой, второй и третьей очередям в соответствии с очередностью, предусмотренной пунктом 2 статьи 742 Гражданского кодекса Республики Казахстан.

Положение подпункта 8) части второй настоящего пункта не распространяется на ограничения, налагаемые уполномоченным органом в сфере обеспечения исполнения исполнительных документов, его территориальными органами, о приостановлении расходных операций по текущему счету, предназначенному для хранения взысканных сумм в пользу взыскателей, частного судебного исполнителя, действие лицензии которого приостановлено или прекращено либо которого лишили лицензии.

При наложении ареста в обеспечение исковых требований сумма денег, на которую налагается арест, не должна превышать сумму иска и размер государственной пошлины и расходов, связанных с исполнением решений, приговоров, определений и постановлений суда. При наложении ареста судебным исполнителем в обеспечение исполнения исполнительного документа сумма денег и стоимость имущества, на которые налагается арест, не должны превышать сумму, необходимую для погашения присужденной взыскателю суммы, а также штрафов, наложенных на должника в процессе исполнения исполнительного документа, сумм оплаты деятельности частного судебного исполнителя и расходов по исполнению.

При этом постановления судебных исполнителей, санкционированные прокурором, могут направляться на бумажном носителе или в электронной форме посредством государственной автоматизированной информационной системы исполнительного производства.

Для наложения ареста на деньги физических и юридических лиц суды, органы дознания и предварительного следствия, судебные исполнители направляют документы в соответствии с требованиями законодательства Республики Казахстан в банки или организации, осуществляющие отдельные виды банковских операций.

Все расходные операции на банковских (за исключением корреспондентских) счетах юридического лица, его структурных подразделений, нерезидента, осуществляющего деятельность в Республике Казахстан через постоянное учреждение, физического лица, состоящего на регистрационном учете в качестве индивидуального предпринимателя, частного нотариуса, частного судебного исполнителя, адвоката и профессионального медиатора, в установленных законами Республики Казахстан случаях могут быть приостановлены по распоряжениям органов государственных доходов, а взыскание может быть обращено лишь по основаниям, предусмотренным законами Республики Казахстан. Расходные операции по текущему счету, предназначенному для хранения взысканных сумм в пользу взыскателей, частного судебного исполнителя, действие лицензии которого приостановлено или прекращено либо которого лишили лицензии, могут быть приостановлены на основании распоряжения уполномоченного органа в сфере обеспечения исполнения исполнительных документов, его территориальных органов.

Операции по банковским счетам физического и юридического лица приостанавливаются в случаях и порядке, предусмотренных Законом Республики Казахстан "О противодействии легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма".

При этом распоряжения органов государственных доходов, уполномоченного органа в сфере обеспечения исполнения исполнительных документов, его территориальных органов могут направляться в банки или организации, осуществляющие отдельные виды банковских операций, на бумажном носителе или в электронной форме посредством передачи по сети телекоммуникаций либо государственной автоматизированной информационной системы исполнительного производства.

Распоряжение, направляемое на бумажном носителе, должно быть подписано первым руководителем и заверено печатью органов государственных доходов либо руководителем структурного подразделения уполномоченного органа в сфере обеспечения исполнения исполнительных документов, его территориальных органов и заверено печатью.

Распоряжение органов государственных доходов либо уполномоченного органа в сфере обеспечения исполнения исполнительных документов, его территориальных органов, направляемое в электронной форме, формируется в соответствии с форматами, установленными уполномоченными государственными органами по согласованию с Национальным Банком Республики Казахстан.

1-1. Банки отказывают в исполнении актов о временном ограничении на распоряжение имуществом, находящимся в банке, в случае отсутствия согласия прокурора в соответствии с требованиями уголовно-процессуального законодательства Республики Казахстан.

Банки отказывают в исполнении актов о наложении ареста в случае отсутствия суммы, на которую налагается арест, и (или) отсутствия предусмотренных уголовно-процессуальным законодательством Республики Казахстан и законодательством Республики Казахстан об исполнительном производстве и статусе судебных исполнителей согласований либо санкций.

2. Конфискация денег и другого имущества физического и юридического лица, находящихся в банке, за исключением пенсионных активов, активов фонда социального медицинского страхования и средств целевого взноса, выделяемых на гарантированный объем бесплатной медицинской помощи, может быть произведена только на основании вступившего в законную силу судебного решения (приговора).

Сноска. Статья 51 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 29.03.2000 N 42; от 09.08.2002 N 346; от 22.06.2006 N 147; от 10.12.2008 N 101-IV (вводятся в действие с 01.01.2009); от 28.08.2009 N 192-IV (вводятся в действие с 08.03.2010); от 02.04.2010 № 262-IV (вводятся в действие с 21.10.2010); от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 21.07.2011 № 467-IV (вводится в действие с 01.01.2012); от 21.06.2012 № 19-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 21.06.2013 № 106-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 15.01.2014 № 164-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 10.06.2014 № 206-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 28.11.2014 № 257 (порядок введения в действие см. пп. 12) ст. 10); от 29.10.2015 № 376-V (вводится в действие с 01.01.2016); от 12.11.2015 № 393-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 16.11.2015 № 406-V (вводится в действие с 01.07.2017); от 24.11.2015 № 419-V (вводится в действие с 01.01.2016); от 26.07.2016 № 12-VІ (вводится в действие по истечении тридцати календарных дней после дня его первого официального опубликования); от 30.06.2017 № 80-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.12.2017 № 114-VI (вводится в действие с 01.01.2018); от 04.07.2018 № 171-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 21.01.2019 № 217-VI (вводится в действие по истечении трех месяцев со дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 26.12.2019 № 284-VІ (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 26.06.2020 № 349-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 30.12.2020 № 397-VI (вводится в действие по истечении шести месяцев после дня его первого официального опубликования); от 02.01.2021 № 399-VI (порядок введения в действие см. ст.2); от 15.11.2021 № 72-VII (вводится в действие с 01.01.2022); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 177-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 30.12.2022 № 179-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 19.04.2023 № 223-VII (вводится в действие с 01.01.2024); от 16.11.2023 № 40-VIII (вводится в действие с 01.01.2024).

Статья 52. Обязательное гарантирование депозитов

Сноска. Статья 52 исключена Законом РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Глава 4-1. Особенности создания и деятельности
исламских банков

Сноска. Закон дополнен главой 4-1 в соответствии с Законом РК от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2).

Статья 52-1. Требования к деятельности исламского банка

Исламский банк не вправе взимать вознаграждение в виде процентов, гарантировать возврат инвестиционного депозита или доход по нему, финансировать (кредитовать) деятельность, связанную с производством и (или) торговлей табачной, алкогольной продукцией, оружием и боеприпасами, игорным бизнесом, а также иные виды предпринимательской деятельности, финансирование (кредитование) которых запрещено советом по принципам исламского финансирования.

Совет по принципам исламского финансирования вправе дополнительно определить иные требования к деятельности исламского банка, обязательные для соблюдения исламским банком.

Статья 52-2. Деятельность совета по принципам исламского финансирования

1. Для определения соответствия деятельности, операций и сделок исламского банка требованиям, указанным в статье 52-1 настоящего Закона, в исламском банке в обязательном порядке создается совет по принципам исламского финансирования.

2. Совет по принципам исламского финансирования является независимым органом, назначаемым общим собранием акционеров исламского банка по рекомендации совета директоров.

3. Правила об общих условиях проведения операций исламского банка, Правила о внутренней кредитной политике исламского банка подлежат утверждению советом директоров исламского банка при наличии положительного заключения совета по принципам исламского финансирования.

4. Если иное не предусмотрено настоящим Законом, уставом или внутренними правилами исламского банка, решения кредитного комитета исламского банка, принятые в соответствии с Правилами о внутренней кредитной политике исламского банка, и сделки, заключенные в соответствии с Правилами об общих условиях проведения операций исламского банка, не требуют отдельного утверждения советом по принципам исламского финансирования. При этом совет по принципам исламского финансирования имеет право проверить по своему усмотрению любую сделку на предмет ее соответствия требованиям, указанным в статье 52-1 настоящего Закона.

Статья 52-3. Последствия признания операций и сделок исламского банка не соответствующими требованиям к деятельности исламского банка

1. В случае признания советом по принципам исламского финансирования сделки, находящейся на стадии заключения, не соответствующей требованиям, указанным в статье 52-1 настоящего Закона, такая сделка не может быть заключена и исполнена.

2. В случае признания советом по принципам исламского финансирования заключенной, но не исполненной или частично исполненной сделки не соответствующей требованиям, указанным в статье 52-1 настоящего Закона, такая сделка по требованию исламского банка досрочно расторгается в порядке, установленном гражданским законодательством Республики Казахстан.

3. В случае признания советом по принципам исламского финансирования исполненной или частично исполненной сделки не соответствующей требованиям, указанным в статье 52-1 настоящего Закона, доход исламского банка по такой сделке должен быть направлен на благотворительность.

Статья 52-4. Дополнительные требования к уставу исламского банка

Устав исламского банка помимо сведений, предусмотренных статьей 14 настоящего Закона, должен содержать:

1) цели деятельности исламского банка;

2) задачи, функции и полномочия постоянно действующего органа исламского банка - совета по принципам исламского финансирования, а также порядок его создания и требования к членам совета по принципам исламского финансирования.

Статья 52-5. Банковские и иные операции исламского банка

1. К банковским операциям исламского банка относятся следующие операции:

1) прием беспроцентных депозитов до востребования физических и юридических лиц, открытие и ведение банковских счетов физических и юридических лиц;

2) прием инвестиционных депозитов физических и юридических лиц;

3) банковские заемные операции: предоставление исламским банком кредитов в денежной форме на условиях срочности, возвратности и без взимания вознаграждения;

4) финансирование физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита:

без условия о последующей продаже товара третьему лицу;

на условиях последующей продажи товара третьему лицу;

4-1) финансирование производственной и торговой деятельности путем участия в уставных капиталах юридических лиц и (или) на условиях партнерства;

5) инвестиционная деятельность на условиях лизинга (аренды);

6) агентская деятельность при проведении банковских операций исламского банка.

2. Банковские операции, предусмотренные подпунктами 4), 4-1) и 5) пункта 1 настоящей статьи, осуществляются исламским банком за счет собственных денег и (или) денег, привлеченных на инвестиционные депозиты. При этом исламский банк и (или) клиенты по инвестиционному депозиту приобретают право общей долевой собственности на имущество, приобретенное за счет их денег, а исламский банк выступает участником общей долевой собственности и (или) доверительным управляющим, осуществляющим управление имуществом, относящимся к общей долевой собственности. Исламский банк в качестве доверительного управляющего вправе обеспечить государственную регистрацию прав на недвижимое имущество, регистрацию транспортных средств и иного движимого имущества в соответствии с требованиями законодательных актов Республики Казахстан. Исламский банк ведет учет участников общей долевой собственности на приобретенное имущество.

3. Исламский банк вправе, если это предусмотрено уставом, осуществлять отдельные виды банковских и иных операций, предусмотренных статьей 30 настоящего Закона, с соблюдением требований, указанных в статье 52-1 настоящего Закона, за исключением следующих операций:

1) факторинговых операций: приобретение прав требования платежа с покупателя товаров (работ, услуг) с принятием риска неплатежа;

2) форфейтинговых операций (форфетирования): оплата долгового обязательства покупателя товаров (работ, услуг) путем покупки векселя без оборота на продавца.

Совет по принципам исламского финансирования вправе признать отдельные банковские и иные операции, предусмотренные статьей 30 настоящего Закона, не соответствующими требованиям, указанным в статье 52-1 настоящего Закона.

4. Филиал исламского банка-нерезидента Республики Казахстан при наличии лицензии уполномоченного органа вправе осуществлять на территории Республики Казахстан:

1) банковские операции, предусмотренные подпунктами 1), 2), 3), 4), 5) и 6) пункта 1 настоящей статьи;

2) если это предусмотрено положением о филиале, отдельные виды банковских и иных операций, профессиональной деятельности на рынке ценных бумаг, предусмотренные пунктом 2-1 статьи 30 настоящего Закона (за исключением операций, указанных в подпунктах 6) и 7) пункта 11 статьи 30 настоящего Закона), с соблюдением требований, указанных в статье 52-1 настоящего Закона.

Сноска. Статья 52-5 с изменениями, внесенными законами РК от 25.03.2011 № 421-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 52-6. Депозиты исламского банка

1. По договору беспроцентного депозита до востребования исламский банк обязуется принять деньги клиента на банковский вклад до востребования, не предусматривающий выплату или гарантию выплаты вознаграждения в виде процента, и возвратить депозит или его часть по поступлении требований клиента. К договору о беспроцентном депозите исламского банка применяются правила договора о банковском вкладе, за исключением условий о выплате вознаграждения по нему.

2. По договору об инвестиционном депозите исламский банк обязуется принимать деньги клиента на определенный срок без гарантии их возврата в номинальном выражении, выплачивать по ним доход в зависимости от результатов использования переданных денег в порядке, предусмотренном договором об инвестиционном депозите. К договору об инвестиционном депозите исламского банка применяются правила договора о доверительном управлении имуществом с особенностями, предусмотренными настоящей статьей по порядку использования и возврату денег, правам и обязанностям клиента и исламского банка, порядку определения и начисления вознаграждения доверительного управляющего - исламского банка.

При заключении договора об инвестиционном депозите может открываться текущий банковский счет.

3. Условия договора об инвестиционном депозите должны определять размер вознаграждения доверительного управляющего - исламского банка за управление деньгами клиента - учредителя доверительного управления, сроки и порядок возврата денег, риски убытков от использования денег и иные условия.

4. Вознаграждение исламского банка определяется в виде части дохода, полученного от использования привлеченных на инвестиционный депозит денег, при условии, что вознаграждение может быть выплачено только за счет дохода от использования денег по инвестиционному депозиту. Исламский банк теряет право на вознаграждение при убыточности инвестиционного депозита (при отсутствии дохода в результате использования денег, привлеченных по инвестиционному депозиту).

4-1. Условия договора об инвестиционном депозите не могут предусматривать гарантированный размер дохода по инвестиционному депозиту и (или) вознаграждения исламского банка, за исключением случая, предусматривающего размещение исламским банком привлеченных денег в активы, по которым может быть получена доходность на уровне, определенном в договоре об инвестиционном депозите.

5. Клиент теряет право на получение дохода при досрочном возврате инвестиционного депозита по его требованию, если иное не предусмотрено договором об инвестиционном депозите.

6. Договор об инвестиционном депозите может предусматривать условия по определению клиентом способов использования денег, перечня видов активов или объектов вложения денег либо условия по использованию денег клиента отдельно от денег иных клиентов без права их объединения.

7. Исламский банк обязан вести учет использования денег по отдельным инвестиционным депозитам с целью определения порядка и результатов использования денег, в том числе определения способов использования денег, перечня видов активов или объектов вложения денег, размера дохода или убытков от такого использования, размера вознаграждения исламского банка.

8. По требованию клиента исламский банк обязан представить отчет об использовании денег по инвестиционному депозиту.

9. Если иное не предусмотрено договором, клиент, внесший деньги на инвестиционный депозит, не отвечает по обязательствам исламского банка, возникшим в связи с размещением денег, но несет риск убытков, связанных с уменьшением стоимости активов, в которые были вложены деньги, в пределах внесенной на инвестиционный депозит суммы денег.

10. Исламский банк не несет ответственности за убытки, связанные с уменьшением стоимости активов, в которые были вложены деньги инвестиционного депозита, за исключением случаев, когда такие убытки возникли по его вине.

В случае если убытки, связанные с уменьшением стоимости активов, в которые были вложены деньги инвестиционного депозита, возникли по вине исламского банка, то исламский банк обязан информировать клиента о возникновении таких убытков.

Сноска. Статья 52-6 с изменениями, внесенными Законом РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 52-7. Особенности выпуска ценных бумаг исламским банком

Исламский банк вправе выпускать акции или иные ценные бумаги, за исключением привилегированных акций, облигаций или иных долговых ценных бумаг, предусматривающих долг, гарантированный размер вознаграждения или выплату вознаграждения в виде процента от стоимости.

Статья 52-8. Финансирование физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита без условия о последующей продаже товара третьему лицу

Сноска. Заголовок статьи 52-8 с изменениями, внесенными Законом РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

1. Исламские банки вправе финансировать физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита покупателю или продавцу товара на основании договора о коммерческом кредите исламского банка (далее – договор о коммерческом кредите).

2. Исключен Законом РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

3. К договору о коммерческом кредите применяются правила договора купли-продажи товаров в кредит (с отсрочкой или рассрочкой платежа) с учетом особенностей, предусмотренных настоящей статьей, и требований, указанных в статье 52-1 настоящего Закона.

4. Договор о коммерческом кредите должен содержать условия о наименовании и количестве товара, цене, по которой покупатель приобретает товар у исламского банка, с указанием размера наценки на товар, а также условия коммерческого кредита (отсрочка или рассрочка платежа).

5. Если иное не предусмотрено договором о коммерческом кредите, цена продажи товара исламским банком покупателю складывается из суммы цены покупки товара у продавца и наценки на товар. Наценка может устанавливаться в виде фиксированной суммы или процента от цены покупки товара у продавца.

6. При приобретении товара исламский банк обязан в договоре купли-продажи с продавцом указать, что товар приобретается для заключения договора о коммерческом кредите.

7. Не допускается приобретение товара у продавца, выступающего одновременно покупателем по договору о коммерческом кредите. Договор купли-продажи исламского банка с продавцом товара может предусматривать условия о предварительной оплате товара, возможности возврата купленного товара в определенный срок и возврата покупной цены товара.

8. Договором о коммерческом кредите могут быть предусмотрены условия обеспечения исполнения обязательств покупателя по оплате товаров залогом денег или иного имущества.

9. В случае, если предметом договора о коммерческом кредите является приобретение товаров, подлежащих изготовлению (продуктов переработки, новой движимой вещи, вновь создаваемого недвижимого имущества), товаров, получаемых в результате использования имущества, выполнения работы либо оказания услуги (в виде отделимых плодов при использовании имущества, произведенной сельскохозяйственной, животноводческой или иной аналогичной продукции), требуется заключение совета по принципам исламского финансирования о соответствии договора требованиям, указанным в статье 52-1 настоящего Закона.

10. Договором о коммерческом кредите, заключенным между исламским банком и продавцом, являющимся производителем (изготовителем) товара, указанного в пункте 9 настоящей статьи, может быть предусмотрена немедленная частичная или полная предварительная оплата приобретаемого товара (коммерческий кредит в виде аванса) под условием поставки товара в срок, определенный соглашением сторон (отсрочка поставки). При предоставлении коммерческого кредита производителю (изготовителю) товара договор купли-продажи исламского банка с непосредственным покупателем товара может предусматривать условия о немедленной частичной или полной предварительной оплате товара под условием поставки товара в срок, определенный соглашением сторон (отсрочки поставки).

11. В случае заключения договора о коммерческом кредите, предусмотренного в пункте 9 настоящей статьи, к отношениям между банком и производителем (изготовителем) товара применяются правила о подряде, поставке, контрактации, возмездном оказании услуг или другие правила о соответствующем этим отношениям обязательстве, предусмотренном гражданским законодательством Республики Казахстан.

Сноска. Статья 52-8 с изменениями, внесенными Законом РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 52-9. Финансирование производственной и торговой деятельности путем участия в уставных капиталах юридических лиц и (или) на условиях партнерства

1. Исламский банк вправе финансировать производственную и торговую деятельность на основе договора о партнерстве с целью получения дохода или достижения иной не противоречащей законодательству Республики Казахстан цели. Договором о партнерстве может быть предусмотрено условие о создании юридического лица (договор о партнерстве с образованием юридического лица).

2. Договор о партнерстве может быть заключен после получения положительного заключения совета по принципам исламского финансирования. Нарушение требований, указанных в статье 52-1 настоящего Закона, является основанием для досрочного расторжения договора о партнерстве и (или) ликвидации созданного на основании договора о партнерстве юридического лица либо для отчуждения доли исламского банка, в том числе акций и долей участия в уставных капиталах юридических лиц, и направления полученного дохода на благотворительность.

3. К договору о партнерстве без условия о создании юридического лица (договор простого товарищества с участием исламского банка) применяются правила договора о совместной деятельности с особенностями, предусмотренными настоящей статьей.

4. Договор простого товарищества с участием исламского банка должен содержать цель совместной деятельности, срок действия договора или условия, при наступлении которых договор прекращается, порядок и периодичность распределения дохода от совместной деятельности, ответственность участника за нарушение условий договора, сведения о перечне, видах и стоимости имущества, внесенного каждым из участников для осуществления совместной деятельности. Если иное не предусмотрено договором, размер доли каждого из участников в общем имуществе определяется пропорционально стоимости имущества, внесенного для осуществления совместной деятельности. Договором могут быть предусмотрены условия об использовании части дохода, полученного от совместной деятельности, на благотворительные цели.

5. Доход от совместной деятельности, общие расходы и убытки участников договора простого товарищества с участием исламского банка распределяются пропорционально доле в общем имуществе, если иное не предусмотрено договором. Доход простого товарищества с участием исламского банка должен распределяться по фактическим результатам без учета ожидаемого дохода. Доход участника простого товарищества не может быть установлен в виде фиксированной суммы денег.

6. При недостаточности общего имущества простого товарищества его участники несут ответственность по обязательствам, связанным с договором простого товарищества, пропорционально долям в общем имуществе.

7. К договору о партнерстве с образованием юридического лица применяются правила об учредительном договоре юридического лица соответствующей организационно-правовой формы, если иное не предусмотрено договором или правилами настоящей статьи.

8. Помимо сведений, предусмотренных законодательством Республики Казахстан для учредительного договора юридического лица определенной организационно-правовой формы, договор о партнерстве с образованием юридического лица должен содержать сведения о целях и сроках партнерства, условие о распределении дохода юридического лица пропорционально внесенной доле каждого участника.

9. Правила договора о партнерстве с образованием юридического лица применяются также к случаям партнерства, условиями которого является приобретение акций (долей участия) юридического лица, при существенном условии, что целью партнерства является финансирование производственной или торговой деятельности этого юридического лица.

Статья 52-10. Осуществление инвестиционной деятельности на условиях лизинга (аренды)

1. Исламские банки вправе осуществлять инвестиционную деятельность на условиях лизинга (аренды) имущества.

2. К отношениям исламского банка по осуществлению инвестиционной деятельности на условиях лизинга (аренды) имущества применяются правила о финансовом лизинге или об аренде имущества с особенностями, предусмотренными настоящей статьей.

3. Условия договора лизинга (аренды) с исламским банком не могут предусматривать право выкупа арендуемого имущества. Право собственности на арендованное имущество может перейти к лизингополучателю (арендатору) на основании отдельного соглашения.

4. Если иное не предусмотрено уставом или внутренними правилами исламского банка, сделки по лизингу или аренде имущества заключаются в соответствии с Правилами об общих условиях проведения операций исламского банка, утвержденными в соответствии с требованиями пункта 3 статьи 52-2 настоящего Закона, и не требуют отдельного утверждения советом по принципам исламского финансирования.

5. Договором может быть предусмотрено условие об обеспечении обязательств по оплате лизинговых платежей (арендной платы) залогом имущества.

Статья 52-11. Осуществление агентской деятельности при проведении банковских операций исламского банка

1. Исламский банк при проведении банковских операций исламского банка вправе осуществлять агентскую деятельность, в соответствии с которой исламский банк выступает агентом своего клиента либо назначает третье лицо своим агентом.

2. В соответствии с агентским соглашением агент от имени и по поручению клиента либо от своего имени, но по поручению и за счет клиента обязуется на основе собственного опыта и знаний совершить за вознаграждение определенные юридические действия, направленные на получение дохода.

3. К агентскому соглашению исламского банка применяются в зависимости от его условий правила о договоре поручения или комиссии с особенностями, предусмотренными настоящей статьей.

4. В качестве стороны по агентскому соглашению (клиента либо агента), заключенному с исламским банком, могут выступать физические и юридические лица, в том числе банки и иные финансовые организации.

5. Условиями агентского соглашения должен быть установлен порядок определения и выплаты вознаграждения агента. Условиями агентского соглашения не может предусматриваться гарантированный размер дохода клиента.

6. Агент сохраняет право на получение вознаграждения вне зависимости от результатов исполнения агентского соглашения.

7. Риск убытков в результате деятельности агента несет клиент агентского соглашения, за исключением случаев возникновения убытков по вине агента.

Статья 52-12. Исламское финансирование физических и юридических лиц с участием исламского банка в качестве торгового посредника путем предоставления коммерческого кредита на условиях последующей продажи товара третьему лицу

1. К исламскому финансированию физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита на условиях последующей продажи товара третьему лицу применяются положения статьи 52-8 настоящего Закона с учетом особенностей, предусмотренных настоящей статьей.

Для целей настоящей статьи физическое или юридическое лицо, которое приобретает товар у исламского банка и в последующем продает его третьему лицу, именуется клиентом банка.

2. Исламским финансированием физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита на условиях последующей продажи товара третьему лицу признается сделка, осуществляемая по договору о коммерческом кредите с соблюдением следующих условий:

1) сторонами договора о коммерческом кредите являются исламский банк и клиент банка. В договоре о коммерческом кредите указывается третье лицо, которому осуществляется последующая продажа товара клиентом банка (для целей настоящей статьи – третья сторона);

2) приобретение товара клиентом банка по договору о коммерческом кредите, а также последующая продажа товара клиентом банка третьей стороне производятся с участием исламского банка;

3) коммерческий кредит предоставляется на условиях реализации клиентом банка третьей стороне товара, приобретенного клиентом банка у исламского банка. При этом право собственности на товар, реализованный по договору о коммерческом кредите, переходит третьей стороне немедленно после заключения договора о коммерческом кредите, оплата товара третьей стороной производится без промедления после передачи ей товара и документов на этот товар по цене приобретения такого товара исламским банком у поставщика товара;

4) в качестве товара в договоре о коммерческом кредите определяется товар, реализуемый на международных товарных биржах и приобретаемый исламским банком на международных товарных биржах либо внебиржевом рынке за пределами Республики Казахстан. Исламский банк и клиент банка не вправе осуществлять одновременную продажу одного и того же товара по нескольким договорам о коммерческом кредите;

5) клиент банка осуществляет последующую продажу третьей стороне товара, указанного в договоре о коммерческом кредите, в количестве и по цене, которые указаны в таком договоре, без учета наценки исламского банка;

6) продавец товара, осуществляющий продажу товара исламскому банку, не может быть третьей стороной, которой производится последующая продажа товара;

7) исламский банк, клиент банка и третья сторона не являются взаимосвязанными сторонами в соответствии с Кодексом Республики Казахстан "О налогах и других обязательных платежах в бюджет" (Налоговый кодекс).

3. Для целей настоящей статьи международной товарной биржей признается товарная биржа, соответствующая следующим требованиям:

товарная биржа осуществляет деятельность на территории государства, имеющего суверенный рейтинг не ниже рейтинга А одного из рейтинговых агентств, перечень которых устанавливается уполномоченным органом;

информация по объему и количеству биржевых сделок, заключенных на товарной бирже, публикуется в статистических отчетах, размещенных на интернет-ресурсе Всемирной федерации бирж.

Перечень международных товарных бирж, на которых производятся приобретение и продажа товара в рамках финансирования физических и юридических лиц в качестве торгового посредника путем предоставления коммерческого кредита на условиях последующей продажи товара третьему лицу, устанавливается Правительством Республики Казахстан.

4. В случае нарушения требований, установленных настоящей статьей, такая банковская операция не признается исламским финансированием физических и юридических лиц с участием исламского банка в качестве торгового посредника с оформлением договора о предоставлении коммерческого кредита и с участием третьей стороны.

Сноска. Глава 4-1 дополнена статьей 52-12 в соответствии с Законом РК от 27.04.2015 № 311-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Глава 4-2. Добровольная реорганизация банка в форме
конвертации в исламский банк

Сноска. Закон дополнен главой 4-2 в соответствии с Законом РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).

Статья 52-13. Понятие добровольной реорганизации банка в форме конвертации в исламский банк

Под добровольной реорганизацией банка в форме конвертации в исламский банк (далее – конвертация банка в исламский банк) понимается комплекс мероприятий, направленных на преобразование деятельности банка в целях получения статуса исламского банка и осуществления деятельности в соответствии с требованиями, указанными в статье 52-1 настоящего Закона.

Статья 52-14. Разрешение уполномоченного органа на конвертацию банка в исламский банк

1. Конвертация банка в исламский банк осуществляется по решению общего собрания акционеров банка с разрешения уполномоченного органа.

Порядок выдачи разрешения уполномоченного органа на конвертацию банка в исламский банк и отказа в выдаче разрешения определяются настоящим Законом и нормативным правовым актом уполномоченного органа.

2. К заявлению о выдаче разрешения уполномоченного органа на конвертацию банка в исламский банк прилагаются следующие документы:

1) решение общего собрания акционеров банка, на котором принято решение о добровольной реорганизации банка в форме конвертации в исламский банк;

2) план мероприятий по конвертации банка в исламский банк, соответствующий требованиям статьи 52-15 настоящего Закона;

3) исключен Законом РК от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);

4) бизнес-план на период конвертации банка в исламский банк и последующие три года после получения лицензии на проведение банковских и иных операций исламского банка, требования к содержанию которого устанавливаются нормативным правовым актом уполномоченного органа, включая:

описание цели и задач банка и виды банковских и иных операций исламского банка;

анализ деятельности банка (анализ внешней и внутренней среды);

стратегия развития и масштабы деятельности банка на период конвертации банка в исламский банк и три последующих финансовых (операционных) года после конвертации банка в исламский банк;

детализированный годовой финансовый план банка на период конвертации банка в исламский банк и три последующих финансовых (операционных) года после конвертации банка в исламский банк;

план управления рисками (описание рисков, связанных с осуществлением деятельности исламского банка, и способы управления ими на период конвертации банка и три последующих финансовых (операционных) года после конвертации банка в исламский банк).

3. Заявление рассматривается уполномоченным органом в течение двух месяцев со дня представления заявителем документов, указанных в пункте 2 настоящей статьи.

В случае представления банком неполного пакета документов, указанного в пункте 2 настоящей статьи, уполномоченный орган дает мотивированный отказ в дальнейшем рассмотрении заявления в течение пятнадцати календарных дней с момента получения документов.

4. Банк вправе отозвать заявление о выдаче разрешения уполномоченного органа на конвертацию банка в исламский банк до принятия уполномоченным органом решения о выдаче либо отказе в выдаче разрешения на конвертацию банка в исламский банк путем подачи письменного заявления в произвольной форме.

5. Основаниями отказа в выдаче разрешения на конвертацию банка в исламский банк являются:

1) неустранение замечаний уполномоченного органа по представленным документам в установленный им срок;

2) несоответствие плана мероприятий по конвертации банка в исламский банк требованиям, предусмотренным статьей 52-15 настоящего Закона;

3) несоответствие бизнес-плана требованиям, предусмотренным подпунктом 4) пункта 2 настоящей статьи;

4) финансовый прогноз последствий конвертации банка в исламский банк предполагает ухудшение финансового состояния банка вследствие конвертации банка в исламский банк;

5) нарушение банком и (или) банковским конгломератом пруденциальных нормативов и (или) других обязательных к соблюдению норм и лимитов и (или) наличие у банка административного взыскания за административное правонарушение, предусмотренное частями шестой, восьмой статьи 213, статьей 227 Кодекса Республики Казахстан об административных правонарушениях, в течение трех последовательных календарных месяцев, предшествующих дате подачи заявления о выдаче разрешения на конвертацию банка в исламский банк;

6) нарушение в результате предполагаемой конвертации банка в исламский банк интересов депозиторов банка.

6. Уполномоченный орган обязан в срок, установленный частью первой пункта 3 настоящей статьи, выдать разрешение на конвертацию банка в исламский банк или дать мотивированный отказ в выдаче данного разрешения.

7. Уполномоченный орган отзывает выданное разрешение на конвертацию банка в исламский банк в случаях:

1) выявления недостоверных сведений, на основании которых было выдано разрешение;

2) принятия банком решения о добровольном прекращении своей деятельности путем реорганизации в иных формах или ликвидации либо принятия судом решения о прекращении деятельности банка;

3) невыполнения банком требований либо нарушения сроков выполнения требований, предусмотренных статьей 52-17 настоящего Закона;

4) отказа в выдаче банку лицензии на проведение банковских и иных операций исламского банка.

Банк вправе добровольно возвратить выданное ему разрешение на конвертацию банка в исламский банк до истечения срока конвертации, указанного в разрешении уполномоченного органа на конвертацию банка в исламский банк.

При отзыве разрешения на конвертацию банка в исламский банк или добровольном возврате банком данного разрешения уполномоченный орган принимает решение об отмене ранее выданного разрешения в течение двух месяцев с даты обнаружения факта, являющегося основанием для отзыва разрешения, или подачи банком заявления о добровольном возврате разрешения.

Сноска. Статья 52-14 с изменениями, внесенными законами РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 52-15. План мероприятий по конвертации банка в исламский банк

1. План мероприятий по конвертации банка в исламский банк утверждается советом директоров банка.

2. План мероприятий по конвертации банка в исламский банк должен содержать детальное описание следующих мероприятий, включая сроки их реализации:

1) создание совета по принципам исламского финансирования;

2) разработка типовых условий договоров о проведении банковских операций исламского банка, предусмотренных пунктом 1 статьи 52-5 настоящего Закона;

3) определение перечня банковских и иных операций:

подлежащих конвертации в банковские операции исламского банка, предусмотренные пунктом 1 статьи 52-5 настоящего Закона;

не требующих конвертации, осуществление которых разрешено исламскому банку в соответствии с пунктом 3 статьи 52-5 настоящего Закона;

не требующих конвертации по основанию истечения срока действия договоров до окончания срока конвертации, указанного в плане мероприятий по конвертации банка в исламский банк,

не подлежащих конвертации по основанию несоответствия требованиям статьи 52-1 настоящего Закона;

4) определение потенциального объема активов и обязательств банка по банковским и иным операциям, указанным в подпункте 3) настоящего пункта;

5) публикация объявления о конвертации в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на казахском и русском языках, и размещение на интернет-ресурсе банка;

6) письменное уведомление клиентов банка о проведении конвертации банка в исламский банк с указанием перечня банковских и иных операций, предусмотренного подпунктом 3) настоящего пункта, срока представления письменного отказа либо согласия, предусмотренного пунктом 4 статьи 52-16 настоящего Закона, и адреса, по которому они принимаются;

7) пересмотр и изменение корпоративного управления и внутренних политик и процедур, иных внутренних документов банка с учетом новых видов деятельности;

8) определение руководящих работников банка, ответственных за исполнение плана мероприятий по конвертации банка в исламский банк;

9) проведение с клиентами работы по договорам о проведении банковских и иных операций;

10) доработка программного обеспечения для проведения банковских и иных операций исламского банка;

11) представление в уполномоченный орган отчета о реализации мероприятий, предусмотренных планом мероприятий по конвертации банка в исламский банк;

12) обращение в Корпорацию для государственной перерегистрации банка в исламский банк;

13) обращение в уполномоченный орган с заявлением о выдаче лицензии на проведение банковских и иных операций исламского банка;

14) планируемый банком срок конвертации банка в исламский банк, который не должен превышать срока, указанного в пункте 7 статьи 52-16 настоящего Закона;

15) иные мероприятия, необходимые для конвертации банка в исламский банк.

Сноска. Статья 52-15 с изменением, внесенным Законом РК от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019).

Статья 52-16. Деятельность банка в период его конвертации в исламский банк

1. В период конвертации банк обязан осуществить мероприятия, предусмотренные планом мероприятий по конвертации банка в исламский банк.

2. После получения разрешения уполномоченного органа на конвертацию банка в исламский банк общим собранием акционеров банка по рекомендации совета директоров назначается совет по принципам исламского финансирования.

3. Банк в течение десяти рабочих дней после получения разрешения уполномоченного органа на конвертацию банка в исламский банк:

1) публикует объявление о конвертации в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на казахском и русском языках, и размещает на интернет-ресурсе банка;

2) направляет письменное уведомление клиентам банка о проведении конвертации банка в исламский банк с указанием перечня банковских и иных операций, предусмотренного подпунктом 3) пункта 2 статьи 52-15 настоящего Закона, срока представления письменного отказа либо согласия, предусмотренного пунктом 4 настоящей статьи, и адреса, по которому они принимаются.

4. Клиенты банка в течение тридцати календарных дней со дня получения письменного уведомления, указанного в пункте 3 настоящей статьи, обязаны представить в банк письменный отказ либо согласие:

1) на изменение условий договора по банковским и иным операциям, подлежащим конвертации в банковские операции исламского банка, предусмотренные пунктом 1 статьи 52-5 настоящего Закона;

2) на изменение условий договора по банковским и иным операциям, не требующим конвертации, осуществление которых разрешено исламскому банку в соответствии с пунктом 3 статьи 52-5 настоящего Закона, в части изменения наименования банка, связанного с конвертацией банка в исламский банк;

3) на уступку права (требования) или перевод долга по договорам по банковским и иным операциям, не требующим конвертации по основанию истечения срока действия договоров до окончания срока конвертации, указанного в разрешении уполномоченного органа на конвертацию банка в исламский банк, или не подлежащим конвертации по основанию несоответствия требованиям статьи 52-1 настоящего Закона.

Непредставление в указанный срок ответа в соответствии с подпунктами 1) и 2) части первой настоящего пункта рассматривается как отказ клиента, в соответствии с подпунктом 3) части первой настоящего пункта рассматривается как согласие клиента.

При предоставлении клиентом письменного отказа по договорам, указанным в подпунктах 1), 2) и 3) части первой настоящего пункта, действие данных договоров подлежит прекращению до представления банком в уполномоченный орган отчета, указанного в пункте 1 статьи 52-17 настоящего Закона.

Осуществление мероприятий, предусмотренных в подпунктах 1) и 2) части первой настоящего пункта, проводится путем заключения дополнительного соглашения к договору, содержащего условия проведения банковских операций исламского банка либо предусматривающего изменения наименования банка, связанного с конвертацией банка в исламский банк, с условием вступления его в силу после получения банком лицензии на проведение банковских и иных операций исламского банка.

При наличии неисполненных требований к банковским счетам клиентов банка (включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента) и недостаточности либо отсутствии денег (в том числе отсутствии движения денег менее года), банк вправе осуществить возврат таких требований и закрыть банковские счета.

5. Разрешение на конвертацию банка в исламский банк подлежит возврату банком в уполномоченный орган при выдаче банку лицензии на проведение банковских и иных операций исламского банка или при принятии судом решения о прекращении деятельности банка, а также в случае отзыва разрешения уполномоченным органом.

6. Банку в период его конвертации в исламский банк запрещается продлевать срок действия договоров или заключать новые договоры на проведение банковских и иных операций, а также осуществление видов профессиональной деятельности на рынке ценных бумаг, предусмотренных в пунктах 2, 11 и 12 статьи 30 настоящего Закона.

7. Срок конвертации банка в исламский банк не может превышать пять лет. Данный срок продлевается уполномоченным органом по ходатайству банка на срок не более одного года.

8. Решение об использовании дохода, получаемого банком в период конвертации от сделок, не соответствующих требованиям, указанным в статье 52-1 настоящего Закона, принимается советом по принципам исламского финансирования банка.

Статья 52-17. Государственная перерегистрация банка в Корпорации и выдача лицензии на проведение банковских и иных операций исламского банка

Сноска. Заголовок статьи 52-17 с изменением, внесенным Законом РК от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019).

1. Не позднее шести месяцев до окончания срока конвертации, указанного в разрешении уполномоченного органа, банк представляет в уполномоченный орган отчет о реализации мероприятий, предусмотренных планом мероприятий по конвертации банка в исламский банк, с приложением подтверждающих документов.

2. При наличии замечаний к отчету, указанному в пункте 1 настоящей статьи, уполномоченный орган вправе потребовать от банка выполнения дополнительных мероприятий и (или) предоставления дополнительной информации и документов. Банк обязан учесть замечания уполномоченного органа (выполнить требуемые дополнительные мероприятия и (или) предоставить дополнительную информацию и документы) и повторно представить в уполномоченный орган отчет о реализации мероприятий, предусмотренных планом мероприятий по конвертации банка в исламский банк, с приложением подтверждающих документов в установленный уполномоченный органом срок.

3. Уполномоченный орган одобряет или отказывает в одобрении отчета о реализации мероприятий, предусмотренных планом мероприятий по конвертации банка в исламский банк, в течение двух месяцев с даты его представления в уполномоченный орган.

4. После одобрения уполномоченным органом отчета, указанного в пункте 1 настоящей статьи, банк обязан в течение тридцати календарных дней обратиться в Корпорацию для государственной перерегистрации банка.

Устав исламского банка должен содержать информацию, предусмотренную пунктом 3 статьи 14 и статьей 52-4 настоящего Закона.

5. Банк обязан в течение тридцати календарных дней с даты государственной перерегистрации в Корпорации, но не позднее тридцати рабочих дней до окончания срока конвертации, указанного в разрешении уполномоченного органа, обратиться в уполномоченный орган с заявлением:

1) о выдаче лицензии на проведение банковских и иных операций исламского банка с приложением следующих документов:

нотариально засвидетельствованная копия устава исламского банка;

документ, подтверждающий уплату в бюджет лицензионного сбора на право занятия отдельными видами деятельности;

положение о совете по принципам исламского финансирования банка;

правила об общих условиях проведения операций исламского банка;

правила о внутренней кредитной политике исламского банка;

2) о переоформлении лицензии на осуществление деятельности на рынке ценных бумаг (при наличии) в порядке, определенном Законом Республики Казахстан "О разрешениях и уведомлениях".

6. Заявление о выдаче лицензии на проведение банковских операций и иных операций исламского банка и переоформлении лицензии на осуществление деятельности на рынке ценных бумаг рассматривается уполномоченным органом в течение тридцати рабочих дней со дня представления документов, соответствующих требованиям законодательства Республики Казахстан.

Порядок лицензирования банковских и иных операций исламского банка определяется статьей 26 настоящего Закона.

7. С момента выдачи банку лицензии на проведение банковских и иных операций исламского банка:

1) ранее выданная лицензия на проведение банковских и иных операций прекращает свое действие;

2) конвертация банка в исламский банк считается завершенной.

Банк обязан в течение десяти рабочих дней после получения лицензии на проведение банковских и иных операций исламского банка, осуществление деятельности на рынке ценных бумаг возвратить в уполномоченный орган подлинник ранее выданной ему лицензии.

Сноска. Статья 52-17 с изменениями, внесенными Законом РК от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019).

Глава 5. Учет и отчетность

Статья 53. Финансовый (операционный) год банка

Финансовый (операционный) год банка начинается 1 января и заканчивается 31 декабря. В случае, если регистрация банка осуществлена после 1 января, то первый финансовый (операционный) год начинается со дня государственной регистрации банка и заканчивается 31 декабря того же года.

Статья 54. Учет и отчетность в банках

1. Перечень, формы финансовой и иной отчетности банков, включая финансовую и иную отчетность на консолидированной основе, сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативными правовыми актами Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

Перечень, формы отчетности по данным бухгалтерского учета и иной отчетности филиалов банков-нерезидентов Республики Казахстан, сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативными правовыми актами Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

Банки осуществляют учет операций и событий в соответствии с законодательством Республики Казахстан о бухгалтерском учете и финансовой отчетности и международными стандартами финансовой отчетности..

2. Банки обязаны предоставлять по запросам уполномоченного органа и Национального Банка Республики Казахстан любую информацию о своих средствах, в том числе и находящихся за пределами Республики Казахстан, размерах принятых депозитов и предоставленных кредитов, произведенных и производимых банковских операциях и иные сведения, включая сведения, составляющие банковскую тайну.

      3. Исключен Законом РК от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).
      4. Исключен Законом РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).
      Сноска. Статья 54 в редакции Закона РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 54-1. Отчетность крупных участников банка и банковских холдингов

1. Перечень, формы финансовой и иной отчетности крупных участников банка и банковских холдингов, сроки и порядок ее представления в Национальный Банк Республики Казахстан устанавливаются нормативными правовыми актами Национального Банка Республики Казахстан по согласованию с уполномоченным органом.

2. Крупный участник банка, являющийся физическим лицом – резидентом Республики Казахстан, помимо отчетности, предусмотренной пунктом 1 настоящей статьи, должен в течение пяти рабочих дней после даты представления в налоговый орган декларации о доходах и имуществе представлять в уполномоченный орган ее копию с подтверждением о представлении декларации в налоговый орган.

Сноска. Статья 54-1 в редакции Закона РК от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); с изменениями, внесенными законами РК от 18.11.2015 № 412-V (вводится в действие с 01.01.2021); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 55. Публикация основных показателей деятельности банка и банковского холдинга

1. Банки публикуют годовую консолидированную финансовую отчетность, а в случае отсутствия дочерней (дочерних) организации (организаций) – неконсолидированную финансовую отчетность, а также аудиторский отчет в порядке и сроки, установленные нормативным правовым актом уполномоченного органа, после подтверждения аудиторской организацией, соответствующей требованиям пункта 4 статьи 19 настоящего Закона, достоверности представленных в них сведений и утверждения финансовой отчетности годовым собранием акционеров банка, а также по требованию уполномоченного органа размещают на интернет-ресурсе банка иную отчетность в соответствии с перечнем и сроками, установленными нормативным правовым актом уполномоченного органа.

Банки ежеквартально публикуют бухгалтерский баланс, отчет о прибылях и убытках, соответствующие международным стандартам финансовой отчетности, в порядке и сроки, установленные нормативным правовым актом уполномоченного органа, без их аудиторского подтверждения.

Банковские холдинги публикуют годовую консолидированную финансовую отчетность, а в случае отсутствия дочерней (дочерних) организации (организаций) – неконсолидированную финансовую отчетность, а также аудиторский отчет в порядке и сроки, установленные нормативным правовым актом уполномоченного органа.

Требования настоящего пункта не распространяются на нерезидентов Республики Казахстан, являющихся банковским холдингом.

2. Филиал банка-нерезидента Республики Казахстан публикует в порядке и сроки, установленные нормативным правовым актом уполномоченного органа:

годовую отчетность по данным бухгалтерского учета филиала банка-нерезидента Республики Казахстан;

годовую консолидированную финансовую отчетность банка-нерезидента Республики Казахстан, а в случае отсутствия дочерней (дочерних) организации (организаций) – неконсолидированную финансовую отчетность банка-нерезидента Республики Казахстан, аудиторский отчет после подтверждения аудиторской организацией достоверности представленных в ней сведений и утверждения банком-нерезидентом Республики Казахстан.

Филиал банка-нерезидента Республики Казахстан по требованию уполномоченного органа размещает на интернет-ресурсе филиала банка-нерезидента Республики Казахстан иную отчетность в соответствии с перечнем и сроками, установленными нормативным правовым актом уполномоченного органа.

Филиал банка-нерезидента Республики Казахстан ежеквартально публикует отчет об активах и обязательствах, отчет о доходах и расходах, соответствующие международным стандартам финансовой отчетности, в порядке и сроки, установленные нормативным правовым актом уполномоченного органа, без их аудиторского подтверждения.

Сноска. Статья 55 – в редакции Закона РК от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 56. Учет и хранение документов

1. Банки обязаны обеспечивать строгий учет и хранение документов, используемых в бухгалтерском учете при составлении отчетности.

2. Перечень основных документов, подлежащих хранению, и сроки их хранения устанавливаются уполномоченным органом.

Сноска. Статья 56 с изменениями - Законом Республики Казахстан от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).

Глава 6. Аудит банков и их аффилированных лиц

Сноска. Заголовок главы - в редакции Закона РК от 2 марта 2001 г. N 162 (см. ст. 2).

Статья 57. Аудит банков и их аффилированных лиц

1. Аудит банка производится аудиторской организацией, правомочной на проведение аудита в соответствии с законодательством об аудиторской деятельности и соответствующей требованиям пункта 4 статьи 19 настоящего Закона.

1-1. Проведение аудита по итогам финансового года обязательно для банков (за исключением банка, лишенного лицензии на проведение всех банковских операций или находящегося в процессе принудительной ликвидации), организаций, в которых банк является крупным участником, банковских холдингов, копии отчета о котором и рекомендации аудиторской организации должны быть представлены банками, банковскими холдингами в течение тридцати календарных дней со дня получения данных документов или их представления банкам, банковским холдингам.

Консолидированная годовая финансовая отчетность банка и банковского холдинга должна быть заверена аудиторской организацией, правомочной на проведение аудита банков.

Аудит банковского холдинга и банка, в котором банковский холдинг имеет крупное участие, осуществляется одной и той же аудиторской организацией. Аудит организаций – резидентов Республики Казахстан, в которых банк является крупным участником, осуществляется одной и той же аудиторской организацией.

1-2. Исключен Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

1-3. Банковский холдинг, являющийся нерезидентом Республики Казахстан, представляет в уполномоченный орган копию аудиторского отчета и рекомендации аудиторской организации на казахском или русском языке.

2. (Исключен Законом РК от 5 мая 2006 года N 139 (порядок введения в действие см. ст.2 Закона РК N 139).

3. Аудит банков проводится с целью установления:

своевременности, полноты и точности отражения проведенных банковских операций в учете и отчетности;

соответствия проведенных банковских операций требованиям настоящего Закона и законодательства Республики Казахстан;

соответствия проведенных банковских операций общим условиям их проведения, а также соответствия порядка проведения банковских операций внутренним правилам банка.

4. Результаты аудита и свои выводы аудиторская организация излагает в отчете, представляемом совету директоров и правлению банка, при необходимости, определяемой банком, другим юридическим лицам, входящим в состав банковского конгломерата.

Аудиторский отчет финансовой отчетности банка или других юридических лиц, входящих в состав банковского конгломерата, не составляет коммерческой тайны.

5. Исключен Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

6. В случае неустранения банком, банковским холдингом, организацией, в которой банк и (или) банковский холдинг являются крупными участниками, недостатков, которые влияют на финансовое состояние банка или банковского конгломерата, указанных в аудиторском отчете, в течение срока, определенного уполномоченным органом, уполномоченный орган до устранения недостатков вправе применить:

к банку – меры по улучшению финансового состояния и (или) минимизации рисков, предусмотренные статьей 46 настоящего Закона;

к банковскому холдингу, организации, в которой банк и (или) банковский холдинг являются крупными участниками, – принудительные меры надзорного реагирования, предусмотренные пунктом 2 статьи 47-1 настоящего Закона.

В случае неустранения банковским холдингом недостатков, которые влияют на финансовое состояние банка или банковского конгломерата, указанных в аудиторском отчете, в течение одного года со дня получения указанными лицами данного отчета уполномоченный орган до устранения недостатков вправе применить к банковскому холдингу принудительные меры надзорного реагирования, предусмотренные пунктом 3 статьи 47-1 настоящего Закона.

7. В случае выявления отклонения мнения и выводов о финансовой отчетности и (или) прочей информации, связанной с финансовой отчетностью, в части признания активов, обязательств и условных обязательств банков, банковских холдингов и организаций, в которых банк и (или) банковский холдинг являются крупными участниками, изложенных в аудиторском отчете, от результатов проверки, проведенной уполномоченным органом, уполномоченный орган вправе потребовать от аудиторской организации разъяснений причин такого отклонения.

7-1. Положения пунктов 1, 1-1, 1-3, 3, 4, 6 и 7 настоящей статьи не распространяются на филиалы банков-нерезидентов Республики Казахстан.

Филиал банка-нерезидента Республики Казахстан обязан представить в уполномоченный орган копию аудиторского отчета финансовой отчетности банка-нерезидента Республики Казахстан по итогам финансового года и рекомендации аудиторской организации на казахском или русском языке в течение десяти рабочих дней после их представления аудиторской организацией банку-нерезиденту Республики Казахстан.

8. Уполномоченный орган в случае выявления рисков и недостатков в деятельности банка вправе потребовать от него проведения аудита иной информации в отношении оценки системы управления рисками и внутреннего контроля, в том числе в отношении стратегии и бизнес-модели, оценки системы корпоративного управления, оценки системы управления рисками информационных технологий, оценки эффективности системы информационной безопасности, а также эффективности системы внутреннего контроля в сфере противодействия легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма (далее – аудит иной информации) с указанием перечня вопросов, подлежащих проверке, аудируемого периода и срока представления аудиторской организацией аудиторского заключения по аудиту иной информации в уполномоченный орган.

Проведение аудита иной информации по требованию уполномоченного органа обязательно для банков.

Банк проводит аудит иной информации не более одного раза в год, по одному вопросу аудит иной информации проводится не чаще одного раза в три года, за исключением случая, предусмотренного пунктом 10 настоящей статьи.

Перечень вопросов, подлежащих проверке в рамках аудита иной информации, требования к содержанию, срокам представления аудиторской организацией аудиторского заключения по аудиту иной информации, требования к аудиторам в составе аудиторской организации, привлекаемой к аудиту иной информации, устанавливаются нормативными правовыми актами уполномоченного органа по согласованию с уполномоченным государственным органом, осуществляющим государственное регулирование в области аудиторской деятельности и контроль за деятельностью аудиторских и профессиональных аудиторских организаций.

План проверки по аудиту иной информации с описанием предполагаемых направлений, объема, характера проведения аудита, особенностей используемых при проведении аудита методов и стандартов подлежит предварительному согласованию аудиторской организацией с уполномоченным органом.

Аудиторское заключение по аудиту иной информации представляется в уполномоченный орган аудиторской организацией и не подлежит опубликованию.

Результаты аудита иной информации могут быть учтены уполномоченным органом при применении мер надзорного реагирования.

9. Для осуществления аудита или аудита иной информации банк, организация, в которой банк является крупным участником, банковский холдинг привлекают аудиторскую организацию, соответствующую минимальным требованиям к аудиторским организациям, которые проводят обязательный аудит финансовых организаций, разработанным центральным исполнительным органом, осуществляющим регулирование в области аудиторской деятельности и государственный контроль в области аудиторской деятельности и деятельности профессиональных организаций, по согласованию с уполномоченным органом.

Банк, организация, в которой банк является крупным участником, банковский холдинг не позднее десяти рабочих дней после заключения договора на проведение аудита или аудита иной информации уведомляют уполномоченный орган о выборе аудиторской организации. В случае аудита иной информации банк вправе ходатайствовать перед уполномоченным органом о проведении проверки иной информации организацией, не являющейся аудиторской, иным способом, чем аудит.

Ходатайство банка рассматривается уполномоченным органом в течение пяти рабочих дней.

Требования к порядку проведения аудита иной информации, установленные настоящей статьей, распространяются на порядок проведения проверки иной информации иным способом, чем аудит.

Уполномоченный орган вправе до выпуска аудиторской организацией аудиторского отчета и (или) аудиторского заключения по аудиту иной информации предоставить аудиторской организации с учетом требований по конфиденциальности информацию и комментарии по результатам проверок лиц, указанных в части первой пункта 1-1 настоящей статьи, а также иную информацию, связанную с деятельностью банка, организации, в которой банк является крупным участником, банковского холдинга, в том числе основанную на мотивированном суждении уполномоченного органа, включая информацию, составляющую банковскую и (или) коммерческую тайну, без согласия лиц, указанных в части первой пункта 1-1 настоящей статьи.

Аудиторская организация проводит обязательную оценку и анализ информации, направленной уполномоченным органом в соответствии с частью пятой настоящего пункта. Результаты проведенной оценки и анализа используются аудиторской организацией при выражении мнения и выводов, содержащихся в аудиторском отчете или аудиторском заключении по аудиту иной информации.

10. В случае признания судом аудиторского отчета и (или) аудиторского заключения по аудиту иной информации недействительными банк, банковский холдинг, организация, в которой банк и (или) банковский холдинг являются крупными участниками, обязаны провести аудит и (или) аудит иной информации повторно.

11. Уполномоченный орган вправе затребовать от аудиторской организации информацию, включая сведения, составляющие коммерческую тайну, в том числе по перечню клиентов. Сведения по клиентам предоставляются с согласия клиентов аудиторской организации.

Сноска. Статья 57 с изменениями, внесенными законами РК от 11.07.1997 N 154 и от 29.06.1998 N 236; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 23.12.2005 N 107 (порядок введения в действие см. ст. 2); от 05.05.2006 № 139 (порядок введения в действие см. ст. 2); от 12.01.2007 N 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 20.02.2009 N 138-IV (порядок введения в действие см. ст.2); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (порядок введения в действие см. ст. 2); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 58. Лицензирование аудиторской деятельности, связанной с проверкой банковской деятельности

Сноска. Статья 58 исключена Законом РК от 05.05.2006 N 139 (порядок введения в действие см. ст.2 Закона РК N 139).

Статья 59. Признание отчета о проведении аудита банковской деятельности аудиторской организации (аудитора) недействительным. Основания для отзыва, приостановления лицензии на проведение аудита банковской деятельности

Сноска. Статья 59 исключена Законом РК от 05.05.2006 N 139 (порядок введения в действие см. ст.2 Закона РК N 139).

Глава 6-1. Реструктуризация банка

Сноска. Закон дополнен главой 6-1 в соответствии с Законом РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 59-1. Понятие реструктуризации банка

Под реструктуризацией банка понимается комплекс административных, юридических, финансовых, организационно-технических и других мероприятий и процедур, реализуемых банком на основании плана реструктуризации банка (далее - план реструктуризации) для оздоровления его финансового положения и улучшения качества работы.

Положения настоящей главы распространяются на проведение реструктуризации организацией, входящей в банковский конгломерат в качестве родительской организации и не являющейся банком.

Положения настоящей главы не распространяются на проведение банком реструктуризации активов и (или) обязательств по требованию уполномоченного органа.

Сноска. Статья 59-1 с изменением, внесенным Законом РК от 01.03.2011 № 414-IV (вводится в действие с 01.01.2010).

Статья 59-2. Основание и принципы реструктуризации банка

Сноска. Заголовок статьи 59-2 с изменением, внесенным Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Реструктуризация банка может быть осуществлена в связи с неспособностью банка исполнять требования отдельных кредиторов по обязательствам в связи с отсутствием или недостаточностью денег банка.

Реструктуризация банка основывается на следующих принципах:

1) соблюдение прав и интересов депозиторов и кредиторов банка в соответствии с обратной очередностью удовлетворения требований, предусмотренной статьей 74-2 настоящего Закона;

2) равное соблюдение прав и интересов депозиторов и кредиторов, находящихся в одной очереди удовлетворения требований, предусмотренной статьей 74-2 настоящего Закона.

Сноска. Статья 59-2 с изменениями, внесенными Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 59-3. Общие условия реструктуризации банка

1. С момента возникновения основания для реструктуризации, указанного в статье 59-2 настоящего Закона, банк вправе провести заседание совета директоров, на котором принимается решение о реструктуризации банка.

2. В срок не позднее следующего рабочего дня с даты принятия решения совета директоров, указанного в пункте 1 настоящей статьи, банк направляет в уполномоченный орган решение совета директоров о реструктуризации банка.

3. Уполномоченный орган в течение семи календарных дней после получения решения совета директоров о реструктуризации банка заключает с банком письменное соглашение по вопросам реструктуризации банка.

4. Банк представляет проект плана реструктуризации в уполномоченный орган. При наличии замечаний и предложений уполномоченный орган вправе потребовать от банка доработки проекта плана реструктуризации. Банк обязан учесть замечания и предложения уполномоченного органа и повторно представить в уполномоченный орган доработанный проект плана реструктуризации.

5. Банк обращается в суд с заявлением о реструктуризации в порядке, установленном гражданским процессуальным законодательством Республики Казахстан. С момента вступления в законную силу решения суда о проведении реструктуризации банка и на период ее проведения действуют ограничения, предусмотренные гражданским процессуальным законодательством Республики Казахстан.

6. Банк в течение семи календарных дней со дня вступления в законную силу решения суда о реструктуризации информирует о реструктуризации депозиторов, кредиторов и иных клиентов путем публикации соответствующего объявления не менее чем в двух периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на казахском и русском языках.

Банк направляет копии вступившего в законную силу решения суда о реструктуризации в банки - корреспонденты в срок не позднее дня, следующего за днем его получения.

7. Банк вправе с момента вступления в законную силу решения суда о проведении реструктуризации банка:

1) приостановить исполнение договоров купли-продажи, мены, дарения или иных сделок об отчуждении имущества банка, заключение договоров о предоставлении займов и других видов финансирования, несущих кредитный риск;

2) приостановить полностью или частично исполнение обязательств банка.

8. В сроки, предусмотренные решением суда о проведении реструктуризации, банк созывает собрание кредиторов банка, обязательства перед которыми предполагается реструктурировать, в целях проведения с ними переговоров и получения одобрения плана реструктуризации.

Для получения одобрения плана реструктуризации требуется согласие кредиторов, на долю которых приходится не менее двух третей от объема обязательств банка перед кредиторами, обязательства перед которыми предполагается реструктурировать.

Реструктуризация банка проводится в отношении всех обязательств банка перед кредиторами, которые предполагается реструктурировать в соответствии с планом реструктуризации, при условии одобрения плана реструктуризации кредиторами банка в порядке, предусмотренном настоящим пунктом.

9. Банк в срок не позднее следующего рабочего дня со дня одобрения кредиторами плана реструктуризации направляет в уполномоченный орган одобренный кредиторами план реструктуризации либо уведомляет уполномоченный орган о невозможности проведения реструктуризации банка в случае неполучения одобрения кредиторов банка в порядке, предусмотренном пунктом 8 настоящей статьи.

Уполномоченный орган вправе потребовать доработки плана реструктуризации в случае, если условия плана реструктуризации отличаются от условий проекта плана реструктуризации, ранее направленного банком в уполномоченный орган. Банк обязан учесть замечания и предложения уполномоченного органа и повторно представить в уполномоченный орган доработанный план реструктуризации, одобренный кредиторами банка в порядке, предусмотренном пунктом 8 настоящей статьи.

10. После выполнения требований, предусмотренных в пункте 9 настоящей статьи, банк представляет план реструктуризации в суд на утверждение.

11. План реструктуризации должен содержать следующую информацию:

порядок и срок проведения реструктуризации;

перечень реструктурируемых активов и обязательств;

мероприятия, проводимые в рамках реструктуризации;

предполагаемые финансовые результаты от реструктуризации активов и обязательств;

принимаемые ограничения в деятельности.

План реструктуризации банка, являющегося участником банковского конгломерата, помимо указанной информации, должен содержать предполагаемые результаты влияния на других участников банковского конгломерата от реструктуризации банка.

12. Реструктуризация прекращается в порядке и на условиях, предусмотренных гражданским процессуальным законодательством Республики Казахстан.

13. В случае прекращения реструктуризации банка в связи с осуществлением комплекса мер, предусмотренных планом реструктуризации, обязательства банка, включенные в план реструктуризации, считаются исполненными, исполнительное производство по решениям судов, арбитража по таким обязательствам прекращается.

13-1. Копия вступившего в законную силу решения суда о прекращении реструктуризации направляется банками в банки-корреспонденты в срок не позднее дня, следующего за днем его получения.

14. Банк в порядке, установленном планом реструктуризации и письменным соглашением, предоставляет в уполномоченный орган информацию о проводимой реструктуризации банка, в том числе о выполнении мероприятий, предусмотренных планом реструктуризации.

15. Уполномоченный орган осуществляет надзор за осуществлением мероприятий по выполнению банком плана реструктуризации.

В период проведения реструктуризации банка уполномоченный орган вправе применить к банку и (или) его крупным участникам, банковскому холдингу, лицам, обладающим признаками крупного участника банка или банковского холдинга, меры надзорного реагирования, предусмотренные настоящим Законом.

16. В период проведения реструктуризации банк не может увеличивать суммы участия (в абсолютном выражении) в организациях, за исключением случаев, предусмотренных в плане реструктуризации банка, утвержденном судом.

Сноска. Статья 59-3 с изменениями, внесенными законами РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 03.07.2013 № 125-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 08.04.2016 № 489-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Раздел II. Условия изменения правового статуса
и особенности прекращения деятельности банков
и банковских холдингов
Глава 7. Добровольная реорганизация банков
и банковских холдингов

Сноска. Заголовки раздела и главы в редакции Закона РК от 11.07.1997 N 154; с изменением, внесенным Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Статья 60. Общие условия добровольной реорганизации банков (банковских холдингов)

Сноска. Заголовок с изменением, внесенным Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

1. Добровольная реорганизация (слияние, присоединение, разделение, выделение, преобразование, конвертация) банков (банковских холдингов) может быть осуществлена по решению общего собрания акционеров (участников) с разрешения уполномоченного органа.

Порядок выдачи разрешения на добровольную реорганизацию банка (банковского холдинга) либо отказа в выдаче указанного разрешения определяется нормативным правовым актом уполномоченного органа.

1-1. Порядок реорганизации банка в форме конвертации в исламский банк устанавливается главой 4-2 настоящего Закона.

2. Основанием для подачи ходатайства о получении разрешения на проведение добровольной реорганизации банка (банковского холдинга) является наличие решения общего собрания акционеров (участников) данного банка (банковского холдинга).

3. К ходатайству о получении разрешения уполномоченного органа на проведение добровольной реорганизации банка (банковского холдинга) должны прилагаться следующие документы:

а) решение высшего органа банка (банковского холдинга) о его добровольной реорганизации;

б) документы, описывающие предполагаемые условия, формы, порядок и сроки добровольной реорганизации банка (банковского холдинга);

в) финансовый прогноз последствий добровольной реорганизации, включая расчетный баланс банка (банковского холдинга) после его добровольной реорганизации и/или юридических лиц, образующихся в результате добровольной реорганизации банка (банковского холдинга).

Кроме документов, указанных в части первой настоящей статьи, к ходатайству о получении разрешения уполномоченного органа на проведение добровольной реорганизации в форме присоединения должен прилагаться договор о присоединении, подписанный первыми руководителями исполнительных органов реорганизуемых банков.

4. Ходатайство о получении разрешения на проведение добровольной реорганизации банка (банковского холдинга) должно быть рассмотрено уполномоченным органом в течение двух месяцев со дня его приема.

5. Реорганизуемый банк (банковский холдинг) в течение двух недель со дня получения разрешения уполномоченного органа на проведение реорганизации обязан проинформировать о предстоящих изменениях всех своих депозиторов, клиентов, корреспондентов и заемщиков путем публикации соответствующего объявления в средствах массовой информации, в том числе на интернет-ресурсе банка.

6. Государственная регистрация или перерегистрация образующихся в результате реорганизации юридических лиц производится в соответствии с законодательным актом Республики Казахстан.

Сноска. Статья 60 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 26.12.2012 № 61-V (вводится в действие с 04.02.2012); от 19.03.2014 № 179-V (вводится в действие со дня его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).

Статья 60-1. Особенности добровольной реорганизации банков

Сноска. Заголовок статьи 60-1 в редакции Закона РК от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

1. При присоединении банка к другому банку, акции присоединяемого банка приобретаются банком, к которому осуществляется присоединение, путем размещения (реализации) среди акционеров присоединяемого банка своих акций в количестве, определяемом на основании коэффициента обмена акций, утверждаемого на совместном общем собрании акционеров реорганизуемых банков после его предварительного одобрения советом директоров каждого банка. При этом положения статьи 83 Закона Республики Казахстан "Об акционерных обществах", относящиеся к цене продажи акций присоединяемого общества и цене размещения (реализации) акции общества, к которому осуществляется присоединение (в том числе положения по определению, рассмотрению и утверждению этих цен органами общества), не применяются.

2. Кроме документов, указанных в пункте 3 статьи 60 настоящего Закона, к ходатайству о получении разрешения уполномоченного органа на проведение добровольной реорганизации в форме присоединения должен прилагаться договор о присоединении, подписанный первыми руководителями исполнительных органов на основании решения, принятого на совместном общем собрании акционеров реорганизуемых банков в соответствии с Законом Республики Казахстан "Об акционерных обществах".

3. После передачи обязательств присоединяемого банка перед кредиторами и (или) депозиторами банку, к которому осуществляется присоединение, исполнение обязательств перед такими кредиторами и (или) депозиторами, в том числе ведение переданных банковских счетов депозиторов, осуществляет банк, к которому осуществляется присоединение.

4. Присоединяемый банк вправе передать банку, к которому осуществляется присоединение, обязательства перед депозиторами с открытыми в присоединяемом банке их банковскими счетами (с сохранением индивидуальных идентификационных кодов) без заключения дополнительных соглашений к договорам банковского обслуживания, историей движения денег по ним, досье, сформированными при открытии и ведении банковских счетов, неисполненными требованиями, включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, и обременениями по банковским счетам депозиторов, имеющимися в присоединяемом банке на момент передачи обязательств.

5. Банк, к которому осуществляется присоединение, в необходимый срок в рамках срока проведения процедур реорганизации в целях обеспечения сохранения реквизитов банковских счетов депозиторов (в том числе индивидуальных идентификационных кодов, присвоенных присоединяемым банком) вправе исполнять указания по банковским счетам депозиторов, переданным в банк, к которому осуществляется присоединение, с указанными в них индивидуальными идентификационными кодами депозиторов, присвоенными присоединяемым банком, а также соответствующими реквизитами присоединяемого банка, используемыми при осуществлении платежей и переводов денег. Исполнение таких указаний производится с использованием корреспондентского счета присоединяемого банка. Банк, к которому осуществляется присоединение, вправе использовать банковскую информационную систему присоединяемого банка.

6. Сбор и обработка персональных данных клиентов банка, права (требования) и обязательства по которым передаются в рамках процедуры реорганизации, осуществляются банком, к которому осуществляется присоединение, без согласия субъектов персональных данных или их законных представителей.

7. В течение необходимого срока в рамках проведения процедур реорганизации банка банк, к которому осуществляется присоединение, присваивает банковским счетам депозиторов индивидуальные идентификационные коды с соблюдением требований законодательства Республики Казахстан и уведомляет в порядке, предусмотренном подпунктом 1) части первой статьи 24 Кодекса Республики Казахстан "О налогах и других обязательных платежах в бюджет" (Налоговый кодекс), уполномоченный государственный орган, осуществляющий руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, об изменении индивидуальных идентификационных кодов по банковским счетам налогоплательщиков, предусмотренных подпунктом 1) части первой статьи 24 Кодекса Республики Казахстан "О налогах и других обязательных платежах в бюджет" (Налоговый кодекс).

После изменения индивидуальных идентификационных кодов банковских счетов депозиторов, к которым имеются неисполненные требования, включая принятые к исполнению распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, обременения по банковским счетам депозиторов:

банк, к которому осуществляется присоединение, уведомляет лицо (орган), направившее (направивший) к банковскому счету депозитора требования (включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента) или наложившее (наложивший) обременения по банковским счетам депозиторов, об изменении реквизитов банковского счета депозитора, в том числе индивидуального идентификационного кода;

ранее предъявленные к банковскому счету депозитора, переданному банку, к которому осуществляется присоединение, неисполненные требования исполняются банком, к которому осуществляется присоединение, с банковских счетов депозиторов, открытых таким банком, с исправлением реквизитов присоединяемого банка (наименования, банковского идентификационного кода, бизнес-идентификационного номера) на соответствующие реквизиты банка, к которому осуществляется присоединение, а также индивидуального идентификационного кода депозитора на соответствующий индивидуальный идентификационный код депозитора, присвоенный банковскому счету в соответствии с частью первой настоящего пункта;

ранее предъявленные к банковскому счету депозитора, переданному банку, к которому осуществляется присоединение, неисполненные распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, исполняются банком, к которому осуществляется присоединение, с банковских счетов депозиторов, открытых банком, к которому осуществляется присоединение, с сохранением календарной очередности их поступления в присоединяемый банк и в порядке, предусмотренном Гражданским кодексом Республики Казахстан.

Обслуживание банковских счетов депозиторов производится банком, к которому осуществляется присоединение, в соответствии с требованиями законодательства Республики Казахстан и условиями договоров банковского обслуживания, обязательства по которым перешли к данному банку.

Сноска. Закон дополнен статьей 60-1 в соответствии с Законом РК от 19.03.2014 № 179-V (вводится в действие со дня его первого официального опубликования); с изменениями, внесенными законами РК от 27.04.2015 № 311-V (вводится в действие с 01.09.2014); от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (вводится в действие с 01.06.2018).

Статья 61. Отказ в выдаче разрешения на добровольную реорганизацию банка и банковского холдинга

Сноска. Статья 61 с изменением, внесенным Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Отказ в выдаче разрешения уполномоченного органа на добровольную реорганизацию банка (банковского холдинга) производится по любому из следующих оснований:

а) отсутствие соответствующих решений высших органов реорганизуемых банков (банковских холдингов);

б) нарушение в результате предполагаемой реорганизации интересов депозиторов;

в) нарушение в результате предполагаемой реорганизации пруденциальных нормативов и иных обязательных к соблюдению норм и лимитов;

г) нарушение в результате предполагаемой реорганизации требований законодательства Республики Казахстан в области защиты конкуренции.

Сноска. В статью 61 с изменениями, внесенными законами РК от 11 июля 1997 г. N 154; от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 29.10.2015 № 376-V (вводится в действие с 01.01.2016).

Глава 7-1. Меры по защите потребителей банковских услуг

Сноска. Закон дополнен главой 7-1 в соответствии с Законом РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 61-1. Обязательное гарантирование депозитов

1. В целях защиты интересов депозиторов банков второго уровня Республики Казахстан создается система обязательного гарантирования депозитов.

Обязательное гарантирование депозитов осуществляется специально созданной некоммерческой организацией.

Правовые основы функционирования системы обязательного гарантирования депозитов, права, обязанности ее участников определяются законодательством Республики Казахстан.

2. Участие в системе обязательного гарантирования депозитов является обязательным для всех банков второго уровня, имеющих лицензию на прием депозитов, открытие и ведение банковских счетов физических лиц, за исключением исламских банков.

Статья 61-2. Операция по одновременной передаче активов и обязательств банка другому (другим) банку (банкам)

1. В целях защиты прав кредиторов и депозиторов банка допускается по согласованию с уполномоченным органом проведение операции по одновременной передаче активов и обязательств банка в части либо в полном размере другому (другим) банку (банкам) (далее – банк-приобретатель).

2. Порядок проведения операции, предусмотренной настоящей статьей, виды активов и обязательств, подлежащих передаче при проведении указанной операции, а также порядок согласования уполномоченным органом данной операции определяются нормативным правовым актом уполномоченного органа.

Операция по одновременной передаче активов и обязательств между родительским банком и дочерним банком проводится в соответствии с настоящей статьей с учетом особенностей, предусмотренных статьей 61-4 настоящего Закона.

3. Банком публикуется объявление о передаче активов и (или) обязательств банка в части либо в полном размере. Объявление публикуется в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на интернет-ресурсе банка на казахском и русском языках после согласования с уполномоченным органом операции, указанной в пункте 1 настоящей статьи.

4. Передача обязательств банка в порядке, предусмотренном настоящей статьей, осуществляется с согласия депозиторов и (или) кредиторов банка, за исключением случаев, предусмотренных частью четвертой настоящего пункта.

Отсутствие письменного возражения от депозиторов и (или) кредиторов банка в течение десяти календарных дней со дня публикации объявления при проведении операции по одновременной передаче активов и обязательств банком банку-приобретателю рассматривается как согласие депозитора и (или) кредитора на передачу обязательств.

При наличии возражений депозиторов против передачи обязательств при проведении операции, предусмотренной статьей 61-4 настоящего Закона, такой депозитор обязан не позднее десяти календарных дней обратиться в банк с письменным отказом от передачи банком обязательств, за исключением случаев, предусмотренных частью четвертой настоящего пункта. К отказу депозитор прилагает указание о выдаче депозита наличными деньгами или о переводе его суммы в другой банк, оформленное в соответствии с требованиями законодательства Республики Казахстан и условиями договора банковского обслуживания.

При проведении операции, предусмотренной статьей 61-4 настоящего Закона, обязательства банка перед депозиторами, к банковским счетам которых имеются неисполненные требования, включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, обременения по банковским счетам депозиторов, передаются банку-приобретателю вне зависимости от имеющихся возражений депозиторов по передаче обязательств.

5. После передачи обязательств банка перед кредиторами и (или) депозиторами банку-приобретателю исполнение обязательств перед такими кредиторами и (или) депозиторами, в том числе ведение переданных текущих и сберегательных счетов депозиторов, осуществляет банк-приобретатель.

6. Банк вправе передать банку-приобретателю обязательства перед депозиторами с имеющимися в банке их банковскими счетами (с сохранением индивидуальных идентификационных кодов) без заключения дополнительных соглашений к договорам банковского обслуживания, историей движения денег по ним, досье, сформированными при открытии и ведении банковских счетов, неисполненными требованиями, включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, и обременениями по банковским счетам депозиторов, имеющимися в банке на момент передачи обязательств.

7. Банк-приобретатель в течение переходного периода, установленного нормативным правовым актом уполномоченного органа, в целях обеспечения сохранения реквизитов банковских счетов депозиторов (в том числе индивидуальных идентификационных кодов, присвоенных банком) вправе исполнять указания по банковским счетам депозиторов, переданным в банк-приобретатель, с указанными в них индивидуальными идентификационными кодами депозиторов, присвоенными банком, а также соответствующими реквизитами банка, используемыми при осуществлении платежей и переводов денег. Особенности исполнения таких указаний с использованием корреспондентского счета банка определяются по соглашению банка и банка-приобретателя.

8. В течение переходного периода банк-приобретатель присваивает банковским счетам депозиторов индивидуальные идентификационные коды с соблюдением требований законодательства Республики Казахстан и уведомляет в порядке, предусмотренном подпунктом 1) части первой статьи 24 Кодекса Республики Казахстан "О налогах и других обязательных платежах в бюджет" (Налоговый кодекс), уполномоченный государственный орган, осуществляющий руководство в сфере обеспечения поступлений налогов и других обязательных платежей в бюджет, об изменении индивидуальных идентификационных кодов по банковским счетам налогоплательщиков, предусмотренных подпунктом 1) части первой статьи 24 Кодекса Республики Казахстан "О налогах и других обязательных платежах в бюджет" (Налоговый кодекс).

банк-приобретатель уведомляет лицо (орган), направившее (направивший) к банковскому счету депозитора требования (включая распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента) или наложившее (наложивший) обременения по банковским счетам депозиторов, об изменении реквизитов банковского счета депозитора, в том числе индивидуального идентификационного кода;

ранее предъявленные к банковскому счету депозитора, переданному банку-приобретателю, неисполненные требования исполняются банком-приобретателем с банковских счетов депозиторов, открытых банком-приобретателем, с исправлением реквизитов банка (наименования, банковского идентификационного кода, бизнес-идентификационного номера) на соответствующие реквизиты банка-приобретателя, а также индивидуального идентификационного кода депозитора на соответствующий индивидуальный идентификационный код депозитора, присвоенный банковскому счету в соответствии с частью первой настоящего пункта;

ранее предъявленные к банковскому счету депозитора, переданному банку-приобретателю, неисполненные распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, а также решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, исполняются банком-приобретателем с банковских счетов депозиторов, открытых банком-приобретателем, с сохранением календарной очередности их поступления в банк и в порядке, предусмотренном Гражданским кодексом Республики Казахстан.

Обслуживание банковских счетов депозиторов производится банком-приобретателем в соответствии с требованиями законодательства Республики Казахстан и условиями договоров банковского обслуживания, обязательства по которым перешли к данному банку.

9. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

10. Передача активов банка в виде прав (требований) не требует согласия должника (должников), если иное не предусмотрено договором.

В целях уведомления должника (должников) банком публикуется объявление о передаче прав (требований) банка в части либо в полном размере, указанное в пункте 3 настоящей статьи. В случае исполнения должником своих обязательств в части или в полном размере банку, передавшему права (требования), данное исполнение признается выполненным надлежащему кредитору.

11. Передача активов и обязательств банка осуществляется путем заключения договора об одновременной передаче активов и обязательств с приложением к договору передаточного акта.

Передаточный акт должен содержать сведения о передаваемых активах, правах, обеспечивающих исполнение обязательств по передаваемым активам, и обязательствах.

К договору об одновременной передаче активов и обязательств применяются положения Гражданского кодекса Республики Казахстан о перемене лиц в обязательстве.

12. Передача активов банка в виде акций или долей участия в уставном капитале юридических лиц, филиалов и представительств банку-приобретателю производится в соответствии с требованиями настоящего Закона и иных законодательных актов Республики Казахстан, за исключением случая, предусмотренного в статье 61-4 настоящего Закона.

13. Банк-приобретатель вправе использовать банковскую информационную систему банка, передавшего активы и обязательства.

14. Сбор и обработка персональных данных клиентов банка, права (требования) и обязательства по которым передаются при проведении операции, указанной в пункте 1 настоящей статьи, осуществляются банком-приобретателем без согласия субъектов персональных данных или их законных представителей.

15. Передача активов и обязательств банка, находящегося в процессе реструктуризации, осуществляется в рамках плана реструктуризации в соответствии с положениями главы 6-1 настоящего Закона.

Сноска. Статья 61-2 в редакции Закона РК от 27.04.2015 № 311-V (вводится в действие с 01.01.2015); с изменениями, внесенными законами РК от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 25.12.2017 № 122-VI (вводится в действие с 01.01.2018); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 61-3. Особенности передачи активов и обязательств банка, находящегося в режиме консервации, стабилизационному банку

Сноска. Статья 61-3 исключена Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 61-4. Особенности проведения операции по одновременной передаче активов и обязательств между родительским банком и дочерним банком

Сноска. Заголовок статьи 61-4 в редакции Закона РК от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

1. Операция по одновременной передаче от дочернего банка родительскому банку активов в части либо в полном размере и обязательств в полном размере, за исключением обязательств, связанных с размещением вкладов и полученными займами национального управляющего холдинга, и передаче от родительского банка дочернему банку сомнительных и безнадежных активов в части либо в полном размере проводится по согласованию с уполномоченным органом в рамках одного договора.

2. Для целей настоящей статьи под дочерним банком понимается дочерний банк, в отношении которого была проведена реструктуризация в соответствии с настоящим Законом, передающий родительскому банку активы в части либо в полном размере и обязательства в полном размере, за исключением обязательств, связанных с размещением вкладов и полученными займами национального управляющего холдинга, и принимающий от родительского банка сомнительные и безнадежные активы в части либо в полном размере.

3. Уступка прав (требований) по основаниям и в порядке, определенным настоящей статьей, не требует внесения изменений и дополнений в договоры, заключенные родительским или дочерним банком с физическими и юридическими лицами, в части указания нового кредитора, залогодержателя.

При уступке прав (требований) по основаниям и в порядке, определенным настоящей статьей, согласия заемщика, залогодателя, гаранта и иных лиц на уступку не требуется. При этом личность нового кредитора признается не имеющей для должника существенного значения.

4. Договор об одновременной передаче активов и обязательств (с приложением передаточного акта) предоставляется уполномоченному регистрирующему органу (организации) банком-приобретателем в целях внесения в правовой кадастр, а также реестр залога движимого имущества, систему реестров держателей ценных бумаг сведений о новом кредиторе, являющемся одновременно залогодержателем, к которому перешли права, обеспечивающие исполнение обязательств по передаваемым активам.

Уступка прав (требований) по основаниям и в порядке, определенным настоящей статьей, является также основанием для перехода к новому кредитору, являющемуся одновременно залогодержателем, прав на имущество, в отношении которого имеются зарегистрированные со стороны третьих лиц или государственных органов обременения, аресты, иные ограничения в распоряжении имуществом.

5. Банк-приобретатель признается кредитором (заимодателем) по банковским и иным операциям и видам деятельности, предусмотренным статьей 30 настоящего Закона, и имеет все права и обязанности банка, которым уступлены права (требования), с даты заключения договора об одновременной передаче активов и обязательств.

6. Передача активов дочернего банка родительскому банку в виде акций или долей участия в уставном капитале юридических лиц, филиалов и представительств не требует получения родительским банком дополнительных разрешений, согласий или уведомлений уполномоченного органа, которые предусмотрены настоящим Законом и иными законами Республики Казахстан, кроме согласования, указанного в пункте 1 настоящей статьи.

7. После осуществления операции, указанной в пункте 1 настоящей статьи, лицензия на проведение банковских и иных операций и деятельности на рынке ценных бумаг прекращает свое действие в связи с добровольным обращением дочернего банка в уполномоченный орган о прекращении действия лицензии.

8. После прекращения действия лицензии на проведение банковских и иных операций и деятельности на рынке ценных бумаг юридическое лицо, ранее являвшееся дочерним банком:

вправе сохранить слово "банк" в своем наименовании;

вправе осуществлять сбор и обработку персональных данных клиентов родительского банка, права (требования) и обязательства по которым переданы при проведении операции, указанной в настоящей статье, без согласия субъектов персональных данных или их законных представителей;

признается кредитором (заимодателем) по переданным ему правам (требованиям) и сохраняет права и обязанности кредитора (банка, займодателя) по оставшимся у него правам (требованиям), установленным договорами банковского займа;

не является организацией, осуществляющей отдельные виды банковских операций, и вправе осуществлять банковские операции в порядке, предусмотренном пунктом 9 настоящей статьи.

9. В переходный период после прекращения действия лицензии юридическое лицо, ранее являвшееся дочерним банком, вправе без лицензии уполномоченного органа осуществлять следующие виды банковских операций:

1) переводные операции, связанные с осуществлением родительским банком платежей и переводов денег, в том числе с использованием корреспондентского счета дочернего банка, по банковским счетам депозиторов, переданным родительскому банку;

2) открытие и ведение корреспондентского счета родительского банка;

3) прием депозитов, открытие и ведение банковских счетов национального управляющего холдинга, организации, специализирующейся на улучшении качества кредитных портфелей банков второго уровня;

4) заемные операции по переданным ему и оставшимся у него правам (требованиям), установленным договорами банковского займа в соответствии с пунктом 8 настоящей статьи.

10. Положения пунктов 1, 3, 4, 5 и 6 настоящей статьи распространяются на операцию по одновременной передаче активов и обязательств дочерним банком, ранее осуществившим операцию, предусмотренную настоящей статьей, родительскому банку.

Сноска. Глава 7-1 дополнена статьей 61-4 в соответствии с Законом РК от 27.04.2015 № 311-V (вводится в действие с 01.01.2015); с изменениями, внесенными Законом РК от 27.02.2017 № 49-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 61-5. Обеспечение беспрерывности предоставления банковских услуг

1. Банк или организация, осуществляющая отдельные виды банковских операций, обеспечивают работу резервного центра информационной системы банка или организации, осуществляющей отдельные виды банковских операций, резервных каналов связи для восстановления деятельности информационной системы.

2. Банк или организация, осуществляющая отдельные виды банковских операций, уведомляют клиентов о планируемом введении в действие изменений (обновлений), вносимых в технические, программные и другие средства, обеспечивающие работу информационной системы, и влияющих на доступность клиенту банковских услуг в порядке и сроки, установленные внутренними правилами банка или организации, осуществляющей отдельные виды банковских операций, или договором.

3. Банк или организация, осуществляющая отдельные виды банковских операций, обеспечивают гарантированный уровень беспрерывности предоставления услуг клиентам, который устанавливается внутренними правилами банка или организации, осуществляющей отдельные виды банковских операций, и подлежит обязательному размещению на интернет-ресурсе банка или организации, осуществляющей отдельные виды банковских операций.

4. Требования к безопасности и беспрерывности работы информационных систем банков и организаций, осуществляющих отдельные виды банковских операций, устанавливаются уполномоченным органом.

5. Банк или организация, осуществляющая отдельные виды банковских операций, в целях противодействия угрозам информационной безопасности, реализации превентивных мер и профилактики угроз информационной безопасности обеспечивает наличие системы управления информационной безопасностью, которая предусматривает:

1) мониторинг деятельности по обеспечению информационной безопасности и мероприятий по выявлению и анализу угроз, противодействию атакам и расследованию инцидентов информационной безопасности;

2) сбор, консолидацию и хранение информации об инцидентах информационной безопасности, включая сведения о нарушениях, сбоях в информационных системах;

3) анализ информации об инцидентах информационной безопасности, включая сведения о нарушениях, сбоях в информационных системах;

4) иные требования к обеспечению информационной безопасности, установленные нормативным правовым актом уполномоченного органа.

6. Банки представляют сведения о наличии систем управления информационной безопасностью, а также о соблюдении требований к обеспечению информационной безопасности в Национальный координационный центр информационной безопасности в порядке и сроки, которые определены нормативным правовым актом уполномоченного органа по согласованию с уполномоченным органом в сфере информационной безопасности.

7. Банки и организации, осуществляющие отдельные виды банковских операций, обеспечивают информационную безопасность и предоставляют информацию об инцидентах информационной безопасности, включая сведения о нарушениях, сбоях в информационных системах, в уполномоченный орган.

Требования к обеспечению информационной безопасности банков и организаций, осуществляющих отдельные виды банковских операций, порядок и сроки предоставления информации об инцидентах информационной безопасности, включая сведения о нарушениях, сбоях в информационных системах, определяются нормативным правовым актом уполномоченного органа.

8. Уполномоченный орган в случае принятия решения о существенности инцидента информационной безопасности, включая сведения о нарушениях, сбоях в информационных системах, при наличии угрозы стабильности финансовой и (или) платежной системы Республики Казахстан вправе направить информацию, в том числе содержащую банковскую тайну, в Национальный координационный центр информационной безопасности.

Сноска. Глава 7-1 дополнена статьей 61-5 в соответствии с Законом РК от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); с изменениями, внесенными Законом РК от 28.12.2017 № 128-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Глава 7-2. Меры по обеспечению финансовой стабильности и урегулированию неплатежеспособных банков

Сноска. Закон дополнен главой 7-2 в соответствии с Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 61-6. Отнесение банка к категории банков с неустойчивым финансовым положением, создающим угрозу интересам его депозиторов и кредиторов и (или) угрозу стабильности финансовой системы

1. Уполномоченный орган относит банк к категории банков с неустойчивым финансовым положением, создающим угрозу интересам его депозиторов и кредиторов и (или) угрозу стабильности финансовой системы (далее – банк с неустойчивым финансовым положением), при наличии любого из следующих признаков:

1) снижение значений коэффициентов достаточности собственного капитала и его размера до уровня ниже минимальных значений, установленных уполномоченным органом;

2) неисполнение банком денежных обязательств и иных требований кредиторов денежного характера по обязательствам в связи с отсутствием или недостаточностью денег у банка;

3) выявление уполномоченным органом фактов (сделок), достоверное отражение которых в финансовой и иной отчетности банка приведет к нарушению банком коэффициентов достаточности собственного капитала и (или) неисполнению им денежных обязательств и иных требований кредиторов денежного характера;

4) выявление уполномоченным органом в рамках осуществления функций по контролю и надзору недостатков и (или) рисков в деятельности банка, которые могут привести к созданию положения, угрожающего стабильному функционированию банка, и (или) интересам его депозиторов и (или) кредиторов, и (или) стабильности финансовой системы.

Для целей применения к филиалам банков-нерезидентов Республики Казахстан подпунктов 1) и 3) части первой настоящего пункта под коэффициентом достаточности собственного капитала понимается коэффициент достаточности активов, принимаемых в качестве резерва, под финансовой отчетностью филиала банка-нерезидента Республики Казахстан понимается отчетность по данным бухгалтерского учета филиала банка-нерезидента Республики Казахстан.

2. Решение уполномоченного органа об отнесении банка к категории банков с неустойчивым финансовым положением доводится до сведения банка, Национального Банка Республики Казахстан и организации, осуществляющей обязательное гарантирование депозитов, в течение пяти рабочих дней с даты его принятия и не подлежит распространению указанными лицами.

3. Уполномоченный орган в случае отнесения банка к категории банков с неустойчивым финансовым положением в дополнение к мерам надзорного реагирования, предусмотренным статьей 45-1 настоящего Закона, вправе провести оценку (анализ) финансового и имущественного состояния банка с его посещением, в том числе с привлечением оценщиков, аудиторских и других организаций.

С даты, указанной в решении уполномоченного органа об отнесении банка к категории банков с неустойчивым финансовым положением:

1) банк не вправе принимать решения, а также исполнять ранее принятые решения о распределении прибыли, выплате дивидендов, выполнении любых финансовых обязательств перед крупными участниками и (или) банковскими холдингами, а также выплате вознаграждений руководящим работникам банка, за исключением заработной платы и случаев, установленных законодательством Республики Казахстан;

2) акционеры, не имеющие статуса крупного участника и (или) банковского холдинга, полученного в соответствии с настоящим Законом, не вправе участвовать в голосовании на общем собрании акционеров банка. Для проведения общего собрания акционеров банка, отнесенного к категории банков с неустойчивым финансовым положением, кворум является соблюденным при участии на общем собрании акционеров всех акционеров (представителей акционеров), имеющих статус крупного участника банка или банковского холдинга.

4. Банк, отнесенный к категории банков с неустойчивым финансовым положением, и его крупные участники, банковский холдинг обязаны принять меры по улучшению финансового состояния банка, минимизации рисков посредством приведения его деятельности в соответствие с законодательством Республики Казахстан и требованиями уполномоченного органа. Банк-нерезидент Республики Казахстан, филиал которого отнесен к категории филиалов банков-нерезидентов Республики Казахстан с неустойчивым финансовым положением, обязан принять меры по улучшению финансового состояния филиала банка-нерезидента Республики Казахстан, в том числе по увеличению размера активов, принимаемых в качестве резерва, предусмотренных частью второй пункта 6 статьи 42 настоящего Закона, минимизации рисков посредством приведения его деятельности в соответствие с законодательством Республики Казахстан и требованиями уполномоченного органа.

При недостаточности принимаемых банком-нерезидентом Республики Казахстан мер, указанных в части первой настоящего пункта, банк-нерезидент Республики Казахстан исполняет неисполненные и (или) ненадлежаще исполненные филиалом банка-нерезидента Республики Казахстан обязательства в соответствии с письменным обязательством, ранее представленным в уполномоченный орган в соответствии с подпунктом 12) пункта 2 статьи 13-1 настоящего Закона, в сроки, установленные уполномоченным органом.

Меры, указанные в части первой настоящего пункта, и сроки их реализации по каждому пункту, а также ответственные должностные лица определяются в плане мероприятий по улучшению финансового положения, разработанном и представленном банком в уполномоченный орган для одобрения. План мероприятий по улучшению финансового положения должен быть согласован с крупным участником банка, банковским холдингом, банком-нерезидентом Республики Казахстан.

Сроки реализации мер, указанных в части первой настоящего пункта, и нахождения банка в категории банков с неустойчивым финансовым положением не должны превышать двенадцати месяцев и могут быть продлены однократно уполномоченным органом на срок не более двенадцати месяцев в случае наличия фактов улучшения финансового состояния банка после отнесения его к категории банков с неустойчивым финансовым положением.

При одобрении уполномоченным органом плана мероприятий по улучшению финансового положения лица, указанные в части первой настоящего пункта, приступают к его реализации, уведомляя уполномоченный орган о результатах его исполнения в установленные планом сроки.

При непредставлении в установленный срок плана мероприятий по улучшению финансового положения, его неодобрении уполномоченным органом или неисполнении уполномоченный орган применяет к банку с неустойчивым финансовым положением, его крупным участникам, банковскому холдингу одну или несколько мер надзорного реагирования, предусмотренных статьей 45-1 настоящего Закона.

Порядок и сроки представления плана мероприятий по улучшению финансового положения и его одобрения уполномоченным органом, а также требования к его содержанию устанавливаются нормативным правовым актом уполномоченного органа.

5. Уполномоченный орган в течение срока, установленного в пункте 4 настоящей статьи, исключает банк из категории банков с неустойчивым финансовым положением в случае устранения признаков, указанных в пункте 1 настоящей статьи.

Сноска. Статья 61-6 с изменениями, внесенными законами РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования);от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 61-7. Отнесение банка к категории неплатежеспособных банков

1. Уполномоченный орган обязан отнести банк к категории неплатежеспособных банков в случае неустранения банком по истечении срока, указанного в пункте 4 статьи 61-6 настоящего Закона, признаков неустойчивого финансового положения банка.

2. Уполномоченный орган вправе принять решение об отнесении банка к категории неплатежеспособных банков раньше срока, установленного пунктом 4 статьи 61-6 настоящего Закона, по следующим основаниям:

1) совершение банком после отнесения его к категории банков с неустойчивым финансовым положением операций (сделок), которые приводят к дальнейшему ухудшению финансового состояния банка, в том числе:

заключение банком сделок, в результате которых происходит существенное ухудшение качества активов банка, в том числе продажа, замена активов, предметов залога в худшую для банка сторону и если последствия замены привели (приведут) к убыткам банка;

заключение банком сделок на нерыночных условиях, перечень которых установлен нормативным правовым актом уполномоченного органа, в результате которых банк несет убытки, а также сделок с лицами, связанными с банком особыми отношениями, с нарушением требований статьи 40 настоящего Закона и (или) ограничений, установленных уполномоченным органом посредством применения мер надзорного реагирования;

принятие банком обязательств, повлекших невозможность выполнения банком денежных обязательств перед другими депозиторами и (или) иными кредиторами полностью или частично;

передача имущества (в том числе во временное пользование) безвозмездно либо по цене, существенно отличающейся в худшую для банка сторону от цены на аналогичное имущество при сопоставимых экономических условиях, либо без наличия оснований в ущерб интересам кредиторов;

2) нарушение коэффициентов достаточности собственного капитала банка в виде их снижения до уровня ниже одной трети нормативных значений, установленных нормативным правовым актом уполномоченного органа;

3) неисполнение банком в течение десяти рабочих дней денежных обязательств и иных требований денежного характера перед депозиторами и кредиторами в связи с отсутствием или недостаточностью денег;

4) систематическое (три и более раза в течение двенадцати последовательных календарных месяцев) ненадлежащее исполнение договорных обязательств по платежным и переводным операциям;

5) неисполнение банком мер по улучшению финансового состояния и (или) минимизации рисков, предусмотренных статьей 46 настоящего Закона.

3. Уполномоченный орган исключает банк из категории неплатежеспособных банков, если по результатам принятых мер по урегулированию, предусмотренных статьей 61-8 настоящего Закона, банком устранены основания отнесения его к категории неплатежеспособных банков, указанные в пункте 2 настоящей статьи, и соблюдаются коэффициенты достаточности собственного капитала.

4. Для целей применения к филиалам банков-нерезидентов Республики Казахстан подпункта 2) пункта 2 и пункта 3 настоящей статьи под коэффициентом достаточности собственного капитала понимается коэффициент достаточности активов, принимаемых в качестве резерва.

Сноска. Статья 61-7 с изменениями, внесенными Законом РК от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 61-8. Меры по урегулированию неплатежеспособного банка

1. Под урегулированием неплатежеспособного банка понимается принятие мер, предусмотренных настоящей статьей и направленных на оздоровление финансового положения и (или) прекращение деятельности банка.

Уполномоченный орган применяет одну или несколько мер по урегулированию неплатежеспособного банка, предусмотренных настоящей статьей.

2. Меры по урегулированию неплатежеспособного банка, предусмотренные пунктом 4 настоящей статьи, применяются в целях:

1) обеспечения непрерывности осуществления банковских операций;

2) предотвращения возникновения и распространения системных рисков финансовой системы;

3) минимизации расходов государственного бюджета для урегулирования неплатежеспособного банка;

4) обеспечения защиты прав и интересов депозиторов и кредиторов.

3. Применение мер по урегулированию неплатежеспособного банка основывается на следующих принципах:

1) соблюдение прав и интересов депозиторов и кредиторов неплатежеспособного банка в соответствии с очередностью удовлетворения требований, предусмотренной статьей 74-2 настоящего Закона;

2) равное соблюдение прав и интересов депозиторов и кредиторов, находящихся в одной очереди удовлетворения требований, предусмотренной статьей 74-2 настоящего Закона;

3) недопустимость ухудшения положения депозиторов и кредиторов неплатежеспособного банка в связи с применением к нему мер по урегулированию неплатежеспособного банка по сравнению с положением в случае принудительной ликвидации неплатежеспособного банка;

4) выбор наименее затратной меры по урегулированию неплатежеспособного банка, предусмотренной пунктом 4 настоящей статьи.

4. Уполномоченный орган в случае отнесения банка к категории неплатежеспособных банков применяет к неплатежеспособному банку одну или несколько из следующих мер:

1) принудительная реструктуризация обязательств неплатежеспособного банка;

2) передача всех или части активов и обязательств неплатежеспособного банка другому банку (другим банкам);

3) создание стабилизационного банка и передача всех или части активов и обязательств неплатежеспособного банка данному стабилизационному банку;

4) лишение лицензии на проведение всех банковских и иных операций с последующей принудительной ликвидацией неплатежеспособного банка.

Уполномоченный орган в случае отнесения филиала банка-нерезидента Республики Казахстан к категории неплатежеспособных филиалов банков-нерезидентов Республики Казахстан лишает его лицензии на проведение всех банковских и иных операций с последующим принудительным прекращением деятельности неплатежеспособного филиала банка-нерезидента Республики Казахстан.

5. Государственное участие при урегулировании неплатежеспособного банка осуществляется при условии, что:

1) неплатежеспособным банком является банк, принудительная ликвидация которого несет системные риски финансовой системы;

2) предоставление государственной поддержки неплатежеспособному банку позволит эффективно применить меры по урегулированию неплатежеспособного банка, предусмотренные подпунктами 1), 2) и 3) пункта 4 настоящей статьи.

6. Государственное участие при урегулировании неплатежеспособного банка осуществляется после покрытия убытков за счет:

1) собственного капитала неплатежеспособного банка;

2) обязательств неплатежеспособного банка перед кредиторами, являющимися лицами, связанными с неплатежеспособным банком особыми отношениями, путем принудительной реструктуризации обязательств неплатежеспособного банка.

6-1. Вопросы о принятии мер по урегулированию неплатежеспособного банка, принудительная ликвидация которого несет системные риски финансовой системы, а также о государственном участии при урегулировании такого банка предварительно выносятся уполномоченным органом на рассмотрение Совета по финансовой стабильности Республики Казахстан, создаваемого Президентом Республики Казахстан.

7. Применению мер по урегулированию неплатежеспособного банка должна предшествовать оценка (анализ) финансового и имущественного состояния банка с его посещением, в том числе с привлечением оценщиков, аудиторских и других организаций.

8. Уполномоченный орган принимает меры по урегулированию неплатежеспособного банка без получения согласия акционеров, депозиторов и кредиторов, должников неплатежеспособного банка и иных заинтересованных лиц.

В целях уведомления депозиторов и кредиторов, должников неплатежеспособного банка, а также иных заинтересованных лиц объявление о применении меры по урегулированию неплатежеспособного банка публикуется на казахском и русском языках в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, а также уполномоченным органом и неплатежеспособным банком – на их интернет-ресурсах.

Сноска. Статья 61-8 с изменениями, внесенными законами РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 61-9. Последствия отнесения банка к категории неплатежеспособных банков и применения меры по урегулированию неплатежеспособного банка

1. Для реализации мер по урегулированию неплатежеспособного банка уполномоченный орган вправе ввести режим консервации банка и назначить временную администрацию по управлению банком (временного управляющего банком) в порядке, предусмотренном статьями 62–67 настоящего Закона.

2. В период консервации уполномоченный орган вправе ввести мораторий на удовлетворение требований депозиторов и кредиторов, в течение срока действия которого:

1) прекращается начисление неустойки (штрафов, пени) по всем обязательствам неплатежеспособного банка и не применяются другие меры ответственности за неисполнение или ненадлежащее исполнение денежных обязательств и иных требований денежного характера по обязательствам неплатежеспособного банка;

2) прекращаются все операции по банковским счетам клиентов и самого неплатежеспособного банка, за исключением случаев, связанных с:

расходами, предусмотренными нормативными правовыми актами уполномоченного органа;

зачислением поступающих в пользу неплатежеспособного банка денег;

возвратом денег, поступающих на закрытые счета лиц, ранее являвшихся клиентами неплатежеспособного банка;

выплатами физическим лицам, перед которыми неплатежеспособный банк несет ответственность за причинение вреда жизни или здоровью;

расчетами по оплате труда и выплате компенсаций лицам, работавшим по трудовому договору, задолженностей по социальным отчислениям в Государственный фонд социального страхования, по уплате удержанных из заработной платы алиментов и обязательных пенсионных взносов, по уплате обязательных профессиональных пенсионных взносов, а также вознаграждений по авторским договорам;

оплатой клиентами неплатежеспособного банка налогов, сборов и других обязательных платежей в бюджет;

проведением операции, предусмотренной статьями 61-11 и 61-12 настоящего Закона;

расходами в связи с признанием сделок неплатежеспособного банка недействительными в соответствии со статьей 61-13 настоящего Закона;

3) приостанавливаются исполнение требований о взыскании денег с банковских счетов неплатежеспособного банка по требованиям кредиторов, в том числе подлежащих удовлетворению в бесспорном порядке, а также обращение взыскания на имущество неплатежеспособного банка;

4) приостанавливается исполнение исполнительных документов о взыскании с неплатежеспособного банка долгов, за исключением исполнительных документов, выданных до даты введения моратория.

3. Применение мер по урегулированию неплатежеспособного банка, предусмотренных настоящим Законом, не может быть основанием для:

1) досрочного исполнения или прекращения обязательств неплатежеспособного банка;

2) реализации условий договоров и (или) проспектов эмиссии ценных бумаг по досрочному исполнению неплатежеспособным банком обязательств перед депозиторами и кредиторами в случае банкротства данного банка или при наступлении другого события, которое может квалифицироваться как событие, эквивалентное банкротству банка;

3) взыскания кредиторами заложенного имущества неплатежеспособного банка по обязательствам, обеспеченным залогом.

Статья 61-10. Принудительная реструктуризация обязательств неплатежеспособного банка

1. Уполномоченный орган принимает решение о принудительной реструктуризации обязательств неплатежеспособного банка.

Принудительная реструктуризация обязательств неплатежеспособного банка представляет собой комплекс мер по оздоровлению финансового положения неплатежеспособного банка путем применения к нему одной или нескольких мер по:

1) списанию полностью либо частично обязательств неплатежеспособного банка;

2) конвертированию ценных бумаг и иных денежных обязательств неплатежеспособного банка в его простые акции, в том числе увеличению количества объявленных простых акций неплатежеспособного банка в количестве, определенном уполномоченным органом, для устранения оснований отнесения банка к категории неплатежеспособных банков, указанных в пункте 2 статьи 61-7 настоящего Закона, и соблюдения коэффициентов достаточности собственного капитала;

3) изменению сроков и (или) процентных ставок по обязательствам неплатежеспособного банка, включая временное приостановление исполнения платежей по обслуживанию обязательства.

2. Принудительная реструктуризация обязательств неплатежеспособного банка осуществляется в порядке обратной очередности удовлетворения требований кредиторов, установленной статьей 74-2 настоящего Закона.

3. Принудительной реструктуризации не подлежат:

1) обязательства неплатежеспособного банка перед лицами, требования которых не включаются в состав ликвидационной конкурсной массы в соответствии со статьей 74-1 настоящего Закона;

2) обязательства неплатежеспособного банка, которые подлежат удовлетворению в случае его принудительной ликвидации в первой, второй, третьей, четвертой, пятой и седьмой очередях в соответствии со статьей 74-2 настоящего Закона, а также обязательства неплатежеспособного банка перед физическими лицами по депозитам в размере гарантийного возмещения, подлежащего выплате организацией, осуществляющей обязательное гарантирование депозитов, в случае его принудительной ликвидации.

4. При конвертировании ценных бумаг и иных денежных обязательств неплатежеспособного банка в его простые акции:

1) не требуется решение общего собрания акционеров неплатежеспособного банка о дополнительном выпуске акций неплатежеспособного банка;

2) акционерам неплатежеспособного банка не предоставляется право преимущественной покупки акций неплатежеспособного банка;

3) не применяются требования пункта 2 статьи 16, пунктов 2 и 5 статьи 17 и статьи 17-1 настоящего Закона.

5. Порядок принудительной реструктуризации обязательств неплатежеспособного банка определяется нормативным правовым актом уполномоченного органа.

Статья 61-11. Операция по одновременной передаче активов и обязательств неплатежеспособного банка другому банку (другим банкам)

1. По решению уполномоченного органа операция по одновременной передаче активов и обязательств неплатежеспособного банка другому банку (другим банкам) (далее – банк-приобретатель), предусмотренная настоящей статьей, осуществляется временной администрацией по управлению банком (временным управляющим банком) на стадии консервации.

2. При проведении операции, указанной в пункте 1 настоящей статьи, обязательства неплатежеспособного банка передаются банку-приобретателю с соблюдением очередности удовлетворения требований кредиторов, предусмотренной статьей 74-2 настоящего Закона.

3. При проведении операции, указанной в пункте 1 настоящей статьи, банку-приобретателю могут быть переданы все или часть активов и все или часть обязательств неплатежеспособного банка, за исключением случая, указанного в части второй настоящего пункта.

В случае недостаточности активов неплатежеспособного банка при передаче банку-приобретателю обязательств перед кредиторами одной очереди данные обязательства передаются пропорционально суммам требований кредиторов, подлежащих удовлетворению.

Обязательства неплатежеспособного банка по гарантируемым депозитам физических лиц должны быть переданы банку-приобретателю в полном объеме.

В случае, если размер обязательств по гарантируемым депозитам, передаваемых банку-приобретателю, превышает размер имущества неплатежеспособного банка, организация, осуществляющая обязательное гарантирование депозитов, обязана восполнить возникшую разницу за счет средств специального резерва.

Размер средств, передаваемых организацией, осуществляющей обязательное гарантирование депозитов, в соответствии с частью четвертой настоящего пункта, не должен превышать сумму, подлежащую выплате в качестве гарантийного возмещения, определяемую в соответствии с законодательством Республики Казахстан об обязательном гарантировании депозитов.

4. Порядок осуществления временной администрацией по управлению банком (временным управляющим банком) передачи активов и обязательств неплатежеспособного банка банку-приобретателю определяется нормативным правовым актом уполномоченного органа.

5. Проведение операции, указанной в пункте 1 настоящей статьи, не требует:

1) согласия акционеров, депозиторов и кредиторов, должников неплатежеспособного банка, а также иных заинтересованных лиц (включая залогодателей, гарантов, поручителей). При этом личность нового кредитора признается не имеющей для должника существенного значения;

2) внесения изменений в договоры, заключенные неплатежеспособным банком с депозиторами и кредиторами, должниками неплатежеспособного банка, а также иными лицами (включая залогодателей, гарантов, поручителей), в части указания новой стороны договора;

3) заключения новых договоров банковского счета банком-приобретателем с депозиторами неплатежеспособного банка. При этом банк-приобретатель обязан уведомить депозиторов об изменении индивидуальных идентификационных кодов.

6. Сбор и обработка персональных данных клиентов неплатежеспособного банка, права (требования) и обязательства по которым передаются при проведении операции, указанной в пункте 1 настоящей статьи, осуществляются банком-приобретателем без согласия субъектов персональных данных или их законных представителей.

7. В целях уведомления депозиторов и кредиторов, должников неплатежеспособного банка, а также иных заинтересованных лиц временной администрацией по управлению банком (временным управляющим банком) публикуется объявление о передаче активов и обязательств неплатежеспособного банка банку-приобретателю на казахском и русском языках в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, а также уполномоченным органом, неплатежеспособным банком и банком-приобретателем – на их интернет-ресурсах.

8. Передача банку-приобретателю активов в виде акций или долей участия в уставном капитале юридических лиц, филиалов и представительств не требует получения банком-приобретателем дополнительных разрешений, согласий или уведомлений уполномоченного органа, которые предусмотрены настоящим Законом и иными законами Республики Казахстан.

9. Передача временной администрацией по управлению банком (временным управляющим банком) банку-приобретателю обязательств неплатежеспособного банка перед депозиторами осуществляется в соответствии с пунктами 6, 7 и 8 статьи 61-2 настоящего Закона.

10. Передача активов и обязательств неплатежеспособного банка осуществляется путем заключения договора об одновременной передаче активов и обязательств с приложением к договору передаточного акта.

11. Договор об одновременной передаче активов и обязательств (с приложением передаточного акта) предоставляется уполномоченному регистрирующему органу (организации) банком-приобретателем в целях внесения в правовой кадастр, а также реестр залога движимого имущества, систему реестров держателей ценных бумаг сведений о новом кредиторе, являющемся одновременно залогодержателем, к которому перешли права, обеспечивающие исполнение обязательств по передаваемым активам.

12. После передачи обязательств неплатежеспособного банка перед депозиторами и кредиторами банку-приобретателю исполнение обязательств перед такими депозиторами и кредиторами осуществляет банк-приобретатель.

13. После заключения договора об одновременной передаче активов и обязательств неплатежеспособного банка банку-приобретателю:

1) акционеры, депозиторы и кредиторы неплатежеспособного банка, активы и обязательства которого были переданы, не вправе требовать от банка-приобретателя возмещения любых убытков, понесенных в результате передачи его активов и обязательств в пользу банка-приобретателя;

2) у банка-приобретателя не могут быть истребованы переданные ему активы и обязательства в пользу неплатежеспособного банка.

14. Временная администрация по управлению банком (временный управляющий банком) после завершения передачи активов и обязательств неплатежеспособного банка банку-приобретателю представляет уполномоченному органу предложение о лишении неплатежеспособного банка лицензии на проведение всех банковских и иных операций и принудительной ликвидации неплатежеспособного банка.

15. Особенности проведения операции по одновременной передаче активов и обязательств неплатежеспособного банка стабилизационному банку устанавливаются статьей 61-12 настоящего Закона.

16. Положения пунктов 2 – 8, 10 – 13 настоящей статьи распространяются на случаи проведения операции по одновременной передаче активов и обязательств банка, лишенного лицензии на проведение всех банковских и иных операций, временной администрацией (временным администратором) банка до вступления в законную силу решения суда о принудительной ликвидации.

При проведении временной администрацией (временным администратором) банка до вступления в законную силу решения суда о принудительной ликвидации банка операции по одновременной передаче активов и обязательств банка, лишенного лицензии на проведение всех банковских и иных операций, банк-приобретатель по банковским счетам депозиторов присваивает индивидуальные идентификационные коды без заключения нового договора банковского счета с уведомлением депозиторов и исполняет предусмотренные пунктом 8 статьи 61-2 настоящего Закона требования, в том числе распоряжения уполномоченных государственных органов, обладающих правом приостановления расходных операций по банковскому счету, решения (постановления) уполномоченных органов или должностных лиц, обладающих правом наложения ареста на деньги клиента, предъявленные к банковским счетам депозиторов, в порядке, предусмотренном пунктом 8 статьи 61-2 настоящего Закона.

Статья 61-12. Особенности проведения операции по одновременной передаче активов и обязательств неплатежеспособного банка стабилизационному банку

1. Временная администрация по управлению банком (временный управляющий банком) вносит в уполномоченный орган предложение о проведении операции по передаче активов и обязательств неплатежеспособного банка стабилизационному банку.

Уполномоченный орган в целях проведения операции по одновременной передаче активов и обязательств неплатежеспособного банка стабилизационному банку принимает решение о создании стабилизационного банка и поручает временной администрации банка (временному управляющему банком) проведение операции по передаче указанных активов и обязательств стабилизационному банку.

Условия и порядок проведения операции по передаче активов и обязательств неплатежеспособного банка стабилизационному банку определяются нормативным правовым актом уполномоченного органа.

2. Требования, предъявляемые к созданию и регулированию деятельности банков, предусмотренные статьями 13, 14, 16, 17-1, 19, 20, 23, 24, 25, 27, 28, пунктами 6 и 7 статьи 29, пунктами 5 и 13 статьи 30, статьями 31, 32 и 42 настоящего Закона, а также положения статей 33 – 74 Закона Республики Казахстан "Об акционерных обществах" не распространяются на стабилизационный банк.

Порядок создания, минимальный размер и порядок формирования уставного и собственного капиталов стабилизационного банка, порядок управления стабилизационным банком, порядок заключения сделок, в отношении совершения которых установлены особые условия, порядок регистрации выпуска объявленных акций и аннулирования объявленных акций стабилизационного банка, а также порядок получения стабилизационным банком лицензии на проведение банковских и иных операций, предусмотренных настоящим Законом, устанавливаются нормативными правовыми актами уполномоченного органа.

3. Стабилизационный банк вправе осуществлять на основании лицензии уполномоченного органа банковские и иные операции, предусмотренные настоящим Законом.

Стабилизационный банк не вправе осуществлять деятельность, разрешенную для банков статьей 8 настоящего Закона, за исключением приобретения акций или долей участия в уставных капиталах юридических лиц, когда принятые в качестве залога акции или доли участия в уставных капиталах этих организаций переходят в собственность банка в соответствии с гражданским законодательством Республики Казахстан и законодательством иностранного государства.

4. После передачи активов и обязательств стабилизационному банку исполнение обязательств перед физическими и юридическими лицами, за исключением обязательств по начислению вознаграждения, приостанавливается на срок двенадцать месяцев. Обязательства, срок исполнения по которым наступил, включая обязательства по срочным вкладам физических и юридических лиц, обязательства перед Правительством Республики Казахстан и Национальным Банком Республики Казахстан, а также обязательства перед банками второго уровня, обеспеченные переданными стабилизационному банку активами, подлежат исполнению стабилизационным банком. Стабилизационный банк исполняет обязательства по текущим счетам физических и юридических лиц.

5. До вступления в законную силу решения суда о принудительной ликвидации неплатежеспособного банка стабилизационный банк по согласованию с уполномоченным органом вправе обменять ранее переданный ему актив на другой актив неплатежеспособного банка.

6. Стабилизационный банк передает активы и обязательства другому банку, определяемому уполномоченным органом, в порядке, установленном нормативным правовым актом уполномоченного органа.

Передача обязательств стабилизационного банка в порядке, предусмотренном настоящей статьей, осуществляется без согласия депозиторов и кредиторов стабилизационного банка. В целях уведомления депозиторов и кредиторов стабилизационным банком публикуется объявление о передаче активов и обязательств стабилизационного банка банку-приобретателю в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан, на казахском и русском языках.

7. По решению уполномоченного органа стабилизационный банк прекращает свою деятельность после полной передачи принятых активов и обязательств банку-приобретателю в порядке и на условиях, предусмотренных уполномоченным органом.

8. По решению уполномоченного органа все акции стабилизационного банка могут быть реализованы инвестору на условиях, гарантирующих увеличение капитала стабилизационного банка и его функционирование в соответствии с требованиями законодательства Республики Казахстан.

Приобретение акций стабилизационного банка инвестором осуществляется в порядке и на условиях, предусмотренных законодательством Республики Казахстан.

С момента приобретения инвестором акций стабилизационного банка банк утрачивает статус стабилизационного банка и осуществляет свою деятельность с соблюдением требований законодательства Республики Казахстан. Регулирование, контроль и надзор за деятельностью данного банка осуществляются в соответствии с требованиями настоящего Закона и иных законов Республики Казахстан.

9. Положения пунктов 2, 3, 5 – 16 статьи 61-11 настоящего Закона распространяются на случаи проведения операции по одновременной передаче активов и обязательств неплатежеспособного банка стабилизационному банку.

Сноска. Статья 61-12 с изменением, внесенным Законом РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Статья 61-13. Признание сделок неплатежеспособного банка недействительными и возврат имущества

1. Уполномоченный орган, временная администрация по управлению банком (временный управляющий банком) (в случае ее (его) назначения уполномоченным органом) и (или) банк, в том числе по ходатайству кредиторов, по сделкам, совершенным неплатежеспособным банком или уполномоченным им лицом в течение трех лет до даты отнесения банка к категории неплатежеспособных банков, вправе обратиться в суд с заявлением о признании сделок недействительными при наличии оснований недействительности сделок, предусмотренных гражданским законодательством Республики Казахстан и настоящей статьей.

2. Основаниями недействительности сделок, кроме предусмотренных Гражданским кодексом Республики Казахстан, являются:

1) условия сделки существенно в худшую для неплатежеспособного банка сторону отличаются от условий, при которых в сравнимых обстоятельствах совершаются аналогичные сделки, если последствия сделки привели (приведут) к убыткам неплатежеспособного банка;

2) сделка совершена в нарушение требований и (или) ограничений, установленных законодательством Республики Казахстан и (или) мерами надзорного реагирования, примененными уполномоченным органом, если последствия сделки привели (приведут) к убыткам неплатежеспособного банка;

3) имущество передано (в том числе во временное пользование) безвозмездно либо отчуждено на условиях, существенно отличающихся в худшую для неплатежеспособного банка сторону от условий передачи (отчуждения) аналогичного имущества при сопоставимых экономических условиях, либо без наличия оснований в ущерб интересам кредиторов;

4) сделка, совершенная в течение шести месяцев до отнесения банка к категории неплатежеспособных банков, повлекла предпочтительное удовлетворение требований одних кредиторов неплатежеспособного банка перед другими;

5) в условия договора о залоге внесены изменения, предусматривающие изменение предмета залога в худшую для неплатежеспособного банка сторону, если последствия внесенных изменений привели (приведут) к убыткам неплатежеспособного банка.

3. При признании сделки недействительной ответчик обязан возвратить все полученное по сделке, при невозможности возврата в натуре – возместить стоимость подлежащего возврату имущества, выполненных работ или оказанных услуг.

При невозможности возврата имущества или при безвозмездной передаче имущества в связи с его утратой, порчей либо последующим его добросовестным приобретением третьими лицами первоначальные приобретатели истребуемого имущества несут ответственность по возмещению возникших в связи с этим убытков в пределах стоимости утраченного, испорченного либо добросовестно приобретенного третьими лицами имущества.

При невозможности возмещения стоимости имущества первоначальными приобретателями лицо, принявшее решение об отчуждении имущества неплатежеспособного банка, должно быть привлечено к субсидиарной ответственности в судебном порядке.

4. В деле, возбужденном по заявлению уполномоченного органа или временной администрации по управлению банком (временным управляющим банком), после исключения банка из категории неплатежеспособных банков истцом признается банк либо временная администрация (временный администратор) банка до вступления в законную силу решения суда о принудительной ликвидации банка.

5. Положения пункта 2 настоящей статьи не применяются в отношении сделки (сделок) в рамках генерального финансового соглашения, за исключением следующих случаев:

1) сделка (сделки) в рамках генерального финансового соглашения совершена (совершены) после возбуждения дела о принудительной ликвидации банка или в течение одного месяца до даты возбуждения дела о принудительной ликвидации банка;

2) сделка (сделки) в рамках генерального финансового соглашения совершена (совершены) в течение одного месяца до даты лишения банка лицензии на проведение банковских операций;

3) сделка (сделки) в рамках генерального финансового соглашения совершена (совершены) в течение шести месяцев до даты возбуждения дела о принудительной ликвидации банка с лицом, связанным с банком особыми отношениями, или в его интересах;

4) сделка (сделки) в рамках генерального финансового соглашения совершена (совершены) в течение шести месяцев до даты возбуждения дела о принудительной ликвидации банка или даты лишения банка лицензии на проведение банковских операций с лицом, которое знало (или должно было знать) о признаках неустойчивого финансового положения банка;

5) по сделке (сделкам) в рамках генерального финансового соглашения осуществлена перемена сторон (за исключением перемены сторон в результате универсального правопреемства) в одном из следующих случаев:

после возбуждения дела о принудительной ликвидации банка или в течение одного месяца до даты возбуждения дела о принудительной ликвидации банка;

в течение одного месяца до даты лишения банка лицензии на проведение банковских операций;

в течение шести месяцев до даты возбуждения дела о принудительной ликвидации банка с лицом, связанным с банком особыми отношениями;

в течение шести месяцев до даты возбуждения дела о принудительной ликвидации банка или даты лишения банка лицензии на проведение банковских операций с лицом, которое знало (или должно было знать) о признаках неустойчивого финансового положения банка.

6. Недействительность одной или нескольких сделок в рамках генерального финансового соглашения не влечет недействительность самого генерального финансового соглашения и остальных сделок в рамках генерального финансового соглашения, если в отношении генерального финансового соглашения и остальных сделок отсутствуют основания для признания их недействительными.

В случае признания одной или нескольких сделок в рамках генерального финансового соглашения недействительными после определения нетто-обязательства (нетто-требования) нетто-обязательство (нетто-требование) подлежит перерасчету стороной сделки, которой было определено нетто-обязательство (нетто-требование), путем исключения из него результатов сделки или сделок, признанных недействительными.

Сноска. Статья 61-13 с изменениями, внесенными Законом РК от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Глава 8. Консервация банка и банковского холдинга

Статья 62. Понятие консервации банка

1. Банк может быть подвергнут консервации в случае отнесения его к категории неплатежеспособных банков и применения к нему мер по урегулированию, предусмотренных статьей 61-8 настоящего Закона.

Консервация представляет собой специальный режим управления и деятельности неплатежеспособного банка, принудительно вводимый уполномоченным органом для установления контроля над неплатежеспособным банком при реализации мер по урегулированию неплатежеспособного банка.

2. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

3. Установление режима консервации предполагает назначение уполномоченным органом на ограниченный (до одного года) срок временной администрации по управлению банком или временного управляющего банком.

4. Консервация банка осуществляется за счет средств самого банка.

5. Исключен Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

6. Порядок применения (установления) режима консервации банков второго уровня определяется нормативным правовым актом уполномоченного органа.

Сноска. Статья 62 с изменениями, внесенными Указом Президента РК, имеющего силу Закона, от 27.01.1996 N 2830; законами РК от 11.07.1997 N 154; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 13.02.2009 N 135-IV (порядок введения в действие см. ст. 3); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 63. Временная администрация по управлению банком (временный управляющий банком)

1. Временная администрация (временный управляющий банком) назначается уполномоченным органом из числа его работников, представителей организации, осуществляющей обязательное гарантирование депозитов, либо иных лиц, соответствующих минимальным требованиям, установленным пунктом 3 статьи 20 настоящего Закона.

2. Права и обязанности, а также условия оплаты труда руководителя и членов временной администрации (временного управляющего банком) устанавливаются отдельным договором, заключаемым между уполномоченным органом и временной администрацией (временным управляющим банком).

3. Временная администрация (временный управляющий банком) в своей деятельности руководствуется настоящим Законом, нормативными правовыми актами уполномоченного органа и иным законодательством Республики Казахстан.

4. Уполномоченный орган вправе в любой момент заменить членов временной администрации (временного управляющего банком).

5. За ущерб, причиненный банку, руководитель и члены временной администрации (временный управляющий) несут ответственность, установленную действующим законодательством. Недопустимо возложение на руководителя и членов временной администрации (временного управляющего банком) ответственности за ущерб, который может быть отнесен к категории нормального производственного риска.

Сноска. В статью 63 с изменениями, внесенными законами РК от 11 июля 1997 г. N 154; от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года); от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016).

Статья 64. Постановление о проведении консервации банка

1. Решение уполномоченного органа о проведении консервации банка должно содержать:

а) наименование банка и его место нахождения;

б) обоснование решения о консервации банка;

в) начало действия и срок консервации;

г) перечень налагаемых на банк ограничений деятельности;

д) персональный состав временной администрации или фамилию, имя и отчество временного управляющего;

е) предписание руководящим работникам банка, находящегося в режиме консервации, о подготовке отчета о своей работе, декларации о доходах, сведений о наличии и размерах собственности и представлении данных документов временной администрации (временному управляющему банком);

ж) рекомендации временной администрации (временному управляющему).

2. Решение о проведении консервации банка публикуется уполномоченным органом в двух периодических печатных изданиях, распространяемых на всей территории Республики Казахстан.

Сноска. В статью 64 внесены изменения - Законом РК от 11 июля 1997 г. N 154; от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).

Статья 65. Последствия введения режима консервации банка. Полномочия временной администрации по управлению банком (временного управляющего банком)

Сноска. Заголовок статьи 65 в редакции Закона РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

1. С началом действия консервации и на ее срок:

а) приостанавливаются права акционеров банка по пользованию и распоряжению акциями, эмитентом которых является данный банк;

б) приостанавливаются полномочия органов банка и его руководящие работники отстраняются от работы;

в) все полномочия органов банка, а также права акционеров банка по пользованию акциями, эмитентом которых является данный банк, переходят к временной администрации (временному управляющему);

г) все сделки, совершенные от имени и за счет банка без ведома и письменного согласия временной администрации (временного управляющего банком), признаются недействительными.

2. Временная администрация (временный управляющий банком) вправе:

а) самостоятельно принимать решения по всем вопросам деятельности банка с учетом требований статьи 66 настоящего Закона;

б) при необходимости полностью или частично приостановить на период консервации обязательства банка перед депозиторами и иными кредиторами;

в) при необходимости расторгнуть заключенные банком договоры, предусматривающие вложение средств банка, либо вносить в них в одностороннем порядке изменения и дополнения, включая изменения ставок, тарифов и сроков действия;

г) подписывать любые договоры и документы от имени банка;

д) предъявлять исковые требования от имени и в интересах банка;

е) издавать приказы, включая приказы об увольнении, понижении в должности или временном отстранении от должности, распределении обязанностей между работниками банка;

ж) проводить зачет взаимных требований ввиду совпадения кредитора и должника в одном лице;

з) передать активы и обязательства банка другому (другим) банку (банкам) либо стабилизационному банку в соответствии со статьями 61-11 и 61-12 настоящего Закона;

и) осуществлять деятельность, предусмотренную статьей 8 настоящего Закона;

к) осуществлять иную деятельность, связанную с реализацией мер по урегулированию неплатежеспособного банка, указанных в статье 61-8 настоящего Закона.

Запрещается проведение зачета взаимных требований с кредитором, требования которого к банку, находящемуся в процессе консервации, возникают из договора (договоров) уступки права требования.

Сноска. Статья 65 с изменениями, внесенными законами РК от 2 марта 2001 г. N 162 (см. ст. 2); от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107); от 19 февраля 2007 года N 230 (порядок введения в действие см. ст.2); от 23.10.2008 N 72-IV (порядок введения в действие см. ст.2); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

Статья 66. Контроль за деятельностью временной администрации по управлению банком (временного управляющего банком)

1. В течение срока консервации банка контроль за деятельностью временной администрации (временного управляющего банком) осуществляет уполномоченный орган, который вправе:

а) давать рекомендации временной администрации (временному управляющему банком) об основных направлениях мероприятий в период консервации банка (предлагать план основных мероприятий);

б) давать обязательные к исполнению временной администрацией (временным управляющим банком) письменные указания;

в) требовать представления временной администрацией (временным управляющим банком) любой информации о ее (его) деятельности и деятельности банка;

г) заслушивать отчет временной администрации (временного управляющего банком) о проделанной работе;

д) продлить срок консервации;

е) принять решение о завершении консервации банка.

2. Подробная регламентация деятельности временной администрации (временного управляющего банком) и принципы ее (его) взаимоотношений с третьими лицами определяются нормативными правовыми актами уполномоченного органа.

Сноска. В статью 66 внесены изменения - Законом РК от 11 июля 1997 г. N 154; от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).

Статья 67. Прекращение консервации

1. Консервация банка прекращается по следующим основаниям:

а) истечение установленного решением уполномоченного органа срока консервации;

б) принятие уполномоченным органом решения о досрочном завершении консервации.

2. Прекращение консервации банка (в том числе и досрочное) в связи с оздоровлением его финансового положения и улучшением качества работы влечет за собой отмену всех ограничений в отношении данного банка, установленных уполномоченным органом или временной администрацией (временным управляющим банком). При этом изменения и дополнения, внесенные в течение срока консервации в учредительные документы, органы управления и состав работников банка, остаются в силе.

3. В случае, если консервация банка не привела к оздоровлению его финансового положения и улучшению качества работы, уполномоченный орган вправе лишить лицензии на проведение банковских операций по основаниям, предусмотренным банковским законодательством Республики Казахстан.

Сноска. В статью 67 внесены изменения - Законами РК от 11 июля 1997 г. N 154; от 2 марта 2001 г. N 162 (см. ст. 2); от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года); от 12 января 2007 года N 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 67-1. Консервация банковского холдинга, являющегося родительской организацией банка

1. Консервация банковского холдинга представляет собой принудительное проведение по решению уполномоченного органа комплекса административных, юридических, финансовых, организационно-технических и других мероприятий и процедур в отношении банковского холдинга в целях оздоровления его финансового положения и улучшения качества работы.

2. Консервации может быть подвергнут только банковский холдинг, являющийся резидентом Республики Казахстан.

Банковский холдинг может быть подвергнут консервации по любому из следующих оснований:

1) невыполнение коэффициента достаточности собственного капитала банковского конгломерата;

2) наличие отрицательного собственного капитала в течение двух и более последовательных кварталов.

3. Установление режима консервации предполагает назначение уполномоченным органом на ограниченный (до одного года) срок временной администрации по управлению банковским холдингом или временного управляющего банковским холдингом.

4. Консервация банковского холдинга осуществляется за счет средств самого банковского холдинга.

5. Решение уполномоченного органа о проведении консервации может быть обжаловано акционерами (участниками) банковского холдинга в течение десяти календарных дней в порядке, установленном законами Республики Казахстан. Обжалование указанного решения не приостанавливает консервации банковского холдинга.

6. Требования статей 63, 64, 65, 66 и 67 настоящего Закона распространяются на банковские холдинги в части, не противоречащей законодательным актам Республики Казахстан.

Сноска. Глава 8 дополнена статьей 67-1 в соответствии с Законом РК от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменением, внесенным Законом РК от 29.06.2020 № 351-VI (вводится в действие с 01.07.2021).

Глава 9. Ликвидация и принудительная реорганизация банков

Сноска. Глава 9 - в редакции Закона РК от 11 июля 1997 г. N 154.

Статья 68. Виды и основания ликвидации банков

1. Банк может быть ликвидирован:

а) по решению его акционеров при наличии разрешения уполномоченного органа (добровольная ликвидация);

б) по решению суда в случаях, предусмотренных законодательными актами Республики Казахстан (принудительная ликвидация);

в) (исключен - N 162 от 2.03.01 г.)

2. Ликвидация банка, в том числе по основанию банкротства, осуществляется в соответствии с настоящим Законом и иными нормативными правовыми актами Республики Казахстан.

Сноска. Статья 68 с изменениями, внесенными законами РК от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 68-1. Комитет кредиторов добровольно и принудительно ликвидируемых банков

1. В целях обеспечения интересов кредиторов и принятия решений с их участием в процедурах добровольной и принудительной ликвидации банков создается комитет кредиторов.

Состав комитета кредиторов добровольно или принудительно ликвидируемого банка утверждается уполномоченным органом по представлению ликвидационной комиссии банка.

2. Особенности формирования и деятельности комитета кредиторов устанавливаются нормативными правовыми актами уполномоченного органа.

Сноска. Дополнен статьей 68-1 - Законом РК от 2 марта 2001 г. N 162 (см. ст. 2); с изменениями - Законом Республики Казахстан от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).

Статья 69. Добровольная ликвидация

1. После принятия общим собранием акционеров банка решения о его добровольной ликвидации банк обязан принять меры по возврату депозитов физических лиц путем их прямой выплаты либо их переводу в другой банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов.

Перевод депозитов физических лиц в филиал банка-нерезидента Республики Казахстан осуществляется с соблюдением условий, предусмотренных частью третьей пункта 13 статьи 30 настоящего Закона.

Порядок выдачи разрешения на добровольную ликвидацию банков, а также порядок возврата депозитов физических лиц, их перевода в другой банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов, определяются нормативным правовым актом уполномоченного органа.

1-1. После осуществления возврата депозитов физических лиц банк вправе обратиться в уполномоченный орган с ходатайством о выдаче разрешения на его добровольную ликвидацию.

К ходатайству должны прилагаться перечень мероприятий о сроках и этапах подготовки банка к прекращению своей деятельности, утвержденный общим собранием акционеров, балансовый отчет, свидетельствующий о достаточности средств банка для осуществления расчетов по его обязательствам, и другие необходимые сведения. Перечень необходимых сведений устанавливается нормативными правовыми актами уполномоченного органа.

2. Ходатайство о получении разрешения на добровольную ликвидацию банка должно быть рассмотрено уполномоченным органом в течение двух месяцев со дня принятия надлежаще оформленных документов.

В случае отказа в выдаче разрешения на добровольную ликвидацию банка уполномоченный орган выносит об этом мотивированное решение, которое доводит до сведения банка.

2-1. Отказ в выдаче разрешения на добровольную ликвидацию банка производится уполномоченным органом по одному из следующих оснований:

1) неполнота или ненадлежащее оформление представленных документов;

2) недостаточность средств банка для расчета по его обязательствам;

3) непринятие мер по возврату депозитов физических лиц путем их прямой выплаты либо их переводу в другой банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов.

3. Исключен Законом РК от 10.07.2003 № 483 (вводится в действие с 01.01.2004).

4. При получении разрешения на добровольную ликвидацию банк создает ликвидационную комиссию с учетом филиалов и представительств банка, к которой переходят полномочия по управлению имуществом и делами банка.

Особенности деятельности ликвидационных комиссий добровольно ликвидируемых банков определяются нормативными правовыми актами уполномоченного органа.

4-1. Контроль за деятельностью ликвидационной комиссии добровольно ликвидируемого банка осуществляет уполномоченный орган.

5. После получения разрешения на добровольную ликвидацию банк обязан опубликовать информацию об этом в периодических печатных изданиях, распространяемых на всей территории Республики Казахстан.

6. Ликвидационная комиссия обязана в семидневный срок после утверждения ликвидационного баланса и отчета о ликвидации банка представить их в Корпорацию и уполномоченный орган.

При завершении ликвидации банка ликвидационная комиссия обязана в установленном порядке сдать документы для хранения в архив и уведомить об этом уполномоченный орган.

7. В случае недостаточности средств для удовлетворения требований всех кредиторов, банк подлежит принудительной ликвидации по основанию банкротства.

7-1. В связи с невозможностью завершения процесса добровольной ликвидации, уполномоченный орган вправе обратиться в суд с заявлением о принудительном прекращении деятельности (ликвидации) банка.

Сноска. Статья 69 с изменениями, внесенными законами РК от 16.07.1999 N 436; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 23.10.2008 N 72-IV (порядок введения в действие см. ст. 2); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019); от 25.11.2019 № 272-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 70. Виды принудительной ликвидации банков

Принудительная ликвидация банка производится судом в связи с:

а) банкротством банка;

б) лишением лицензий банка на проведение банковских операций по основаниям, предусмотренным банковским законодательством Республики Казахстан;

в) заявлением (иском) уполномоченных государственных органов, юридических или физических лиц о прекращении деятельности банка по другим основаниям, предусмотренным законодательными актами.

Сноска. Статья 70 с изменениями, внесенными законами РК от 02.03.2001 N 162 (см. ст. 2); от 12.01.2007 № 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования); от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 71. Признание банка банкротом

1. Неплатежеспособность банка устанавливается с учетом заключения уполномоченного органа, представляемого в суд, составленного с учетом методики расчета пруденциальных нормативов и иных обязательных к соблюдению норм и лимитов, размера капитала банка, в том числе наличия у банка денежных обязательств и иных требований денежного характера, не исполненных банком в течение трех и более месяцев с момента наступления срока их исполнения.

Банк является неплатежеспособным при его неспособности, выполнить денежные обязательства и иные требования денежного характера в течение трех месяцев с момента наступления срока их исполнения.

2. Банк может быть признан банкротом только по решению суда в установленном порядке. Внесудебная процедура ликвидации несостоятельного банка по решению его кредиторов и самого банка не допускается.

3. Возможность заключения мирового соглашения сторонами по делу о банкротстве банка исключается.

4. Решение о признании банка банкротом и его принудительной ликвидации суд направляет в уполномоченный орган.

Сноска. Статья 71 с изменениями, внесенными законами РК от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 72. Ликвидация банка по иным основаниям

1. Принудительная ликвидация банка в случаях, когда дело возбуждено судом по заявлению (иску) уполномоченного государственного органа, юридических или физических лиц (при отсутствии решения о лишении лицензий банка на проведение банковских операций) производится в соответствии с настоящим Законом.

2. Решение о принудительной ликвидации банка суд направляет в уполномоченный орган.

С даты принятия судом решения о принудительной ликвидации банка по делу, возбужденному по основанию, предусмотренному подпунктом в) статьи 70 настоящего Закона, банк лишается лицензии на проведение банковских операций.

Сноска. Статья 72 с изменениями, внесенными законами РК от 02.03.2001 № 162 (см. ст. 2); от 10.07.2003 № 483 (вводится в действие с 01.01.2004); от 12.01.2007 № 222 (вводится в действие по истечении 6 месяцев со дня его официального опубликования).

Статья 73. Условия и порядок проведения принудительной ликвидации

1. С даты вступления в законную силу решения суда о принудительной ликвидации банка наступают последствия, предусмотренные подпунктами 1), 2), 4) - 9) части второй пункта 1 статьи 48-1 настоящего Закона.

С даты вступления в законную силу решения суда о принудительной ликвидации банка полномочия ранее действовавших органов банка прекращаются, руководящие, а при необходимости и иные работники увольняются в порядке, установленном трудовым законодательством Республики Казахстан.

1-1. Исключен Законом РК от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

2. Все расходы, связанные с ликвидацией банка, производятся только за счет средств этого банка, за исключением случаев, предусмотренных пунктом 8 статьи 48-1 настоящего Закона.

3. Оценка имущества банка производится ликвидационной комиссией в соответствии с действующим законодательством.

4. Промежуточный ликвидационный баланс и реестр требований кредиторов ликвидируемого банка утверждается уполномоченным органом.

4-1. До утверждения промежуточного ликвидационного баланса допускается проведение зачета взаимных требований ввиду совпадения кредитора и должника в одном лице.

После утверждения промежуточного ликвидационного баланса зачет взаимных требований производится только при наступлении соответствующей очереди удовлетворения требования данного кредитора.

Запрещается проведение зачета взаимных требований с кредитором, требования которого к ликвидируемому банку возникают из договора (договоров) уступки права требования.

5. Реализация имущества ликвидируемого банка производится ликвидационной комиссией банка в порядке, определенном нормативными правовыми актами уполномоченного органа.

6. Контроль за деятельностью ликвидационной комиссии банка, в том числе ликвидируемого по основанию банкротства, осуществляет уполномоченный орган.

6-1. Суд, принявший решение о ликвидации банка, вправе запрашивать у уполномоченного органа любую информацию, связанную с деятельностью ликвидационной комиссии банка.

7. Ликвидационная комиссия представляет в суд согласованный с уполномоченным органом отчет о ликвидации и ликвидационный баланс.

Суд утверждает отчет о ликвидации и ликвидационный баланс и выносит определение о завершении ликвидационного производства.

Ликвидационная комиссия направляет копию определения суда в Корпорацию и уполномоченному органу.

Ликвидационная комиссия обязана в течение тридцати календарных дней после утверждения ликвидационного баланса и отчета о ликвидации представить их в Корпорацию, а копии указанных документов – в уполномоченный орган.

8. После регистрации прекращения деятельности банка ликвидационная комиссия в течение пяти рабочих дней представляет в уполномоченный орган копию приказа о регистрации прекращения деятельности банка.

Сноска. Статья 73 с изменениями, внесенными законами РК от 16.07.1999 N 436; от 02.03.2001 N 162; от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 23.12.2005 N 107 (порядок введения в действие см. ст.2 Закона N 107); от 10.02.2011 № 406-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 07.03.2014 № 177-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 02.04.2019 № 241-VІ (вводится в действие с 01.07.2019).

Статья 73-1. Операция по одновременной передаче обязательств и имущества банка другому (другим) банку (банкам)

Сноска. Статья 73-1 исключена Законом РК от 11.07.2009 N 185-IV (вводится в действие с 30.08.2009).

Статья 74. Ликвидационная комиссия принудительно ликвидируемого банка

1. После принятия решения о ликвидации банка, в том числе по основанию банкротства, суд возбуждает ликвидационное производство и возлагает на уполномоченный орган обязанности по созданию ликвидационной комиссии банка с учетом его филиалов и представительств.

Ликвидационная комиссия банка принимает меры для завершения дел банка и обеспечения расчетов с его кредиторами.

Порядок назначения и освобождения ликвидационных комиссий принудительно ликвидируемых банков, требования, предъявляемые к председателю и членам ликвидационной комиссии, а также порядок осуществления ликвидации и требования к работе ликвидационных комиссий определяются нормативными правовыми актами уполномоченного органа.

Права и обязанности председателя и члена ликвидационной комиссии, в том числе право на вознаграждение, объем полномочий по управлению делами и имуществом принудительно ликвидируемого банка регулируются нормативными правовыми актами уполномоченного органа и соглашением, заключаемым с ними комитетом кредиторов с учетом требований, установленных законодательством Республики Казахстан.

Ежемесячный размер вознаграждения, выплачиваемого председателю, членам ликвидационной комиссии банка и иным привлеченным работникам, не должен превышать на каждого из них размер десятикратной минимальной заработной платы, устанавливаемой законом о республиканском бюджете на соответствующий финансовый год.

      2. (исключен - N 162 от 2.03.01 г.)
      3. (Пункт исключен - Законом Республики Казахстан от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).
      Сноска. Статья 74 с изменениями, внесенными законами РК от 2 марта 2001 г. N 162 (см. ст. 2); от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года); от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

Статья 74-1. Особенности формирования ликвидационной, конкурсной массы при ликвидации банков

1. Ликвидационная, конкурсная масса банка формируется в порядке, определенном действующим законодательством, с учетом особенностей, установленных настоящим Законом.

1-1. В ликвидационную конкурсную массу банка не включаются выделенные активы, являющиеся обеспечением по облигациям, выпущенным в соответствии с законодательством Республики Казахстан о проектном финансировании и секьюритизации, и залоговое имущество, являющееся следующим обеспечением по ипотечным облигациям: права требования по договорам ипотечного займа (включая ипотечные свидетельства), а также государственные ценные бумаги Республики Казахстан в случаях, когда право собственности на указанные облигации возникло у их держателей или перешло к ним по сделкам либо иным основаниям, предусмотренным законами Республики Казахстан.

Выделенные активы передаются ликвидационной комиссией в управление (с правом реализации выделенных активов и обращения взыскания на заложенное имущество и иное обеспечение, входящее в состав выделенных активов), представителю держателей облигаций специальной финансовой компании в порядке, определенном нормативным правовым актом уполномоченного органа.

Залоговое имущество, являющееся обеспечением по ипотечным облигациям, указанным в части первой настоящего пункта, передается ликвидационной комиссией представителю держателей ипотечных облигаций для удовлетворения требований кредиторов эмитента ипотечных облигаций.

1-2. В ликвидационную конкурсную массу банка не включается обеспечительная плата, предоставленная кредитору в порядке и на условиях, определенных сделкой (сделками) в рамках генерального финансового соглашения, до даты лишения банка лицензии на проведение банковских операций.

2. При формировании ликвидационной конкурсной массы в нее не включаются ценные бумаги, принадлежащие третьим лицам и вверенные банку-кастодиану для хранения и учета, а также пенсионные активы, активы фонда социального медицинского страхования, активы инвестиционных фондов, выделенные активы специальных финансовых компаний, вверенные банку-кастодиану для учета и хранения. Пенсионные активы, активы фонда социального медицинского страхования, средства целевого взноса, выделяемые на гарантированный объем бесплатной медицинской помощи, активы инвестиционных фондов, выделенные активы специальных финансовых компаний, вверенные банку-кастодиану для хранения и учета, переводятся в другой банк по заявлению фонда социального медицинского страхования, добровольного накопительного пенсионного фонда, акционерного инвестиционного фонда, специальной финансовой компании или управляющей компании паевого инвестиционного фонда.

3. В ликвидационную конкурсную массу исламского банка не включается имущество, приобретенное за счет денег, привлеченных по договору об инвестиционном депозите исламского банка. Указанное имущество, а также обязательства по инвестиционным депозитам подлежат передаче ликвидационной комиссией другому исламскому банку.

Порядок выбора исламского банка и передачи ему имущества, приобретенного за счет денег, привлеченных по договору об инвестиционном депозите, и обязательств по инвестиционным депозитам ликвидируемого исламского банка устанавливается нормативным правовым актом уполномоченного органа.

Сноска. Статья 74-1 с изменениями, внесенными законами РК от 29.06.1998 N 236; от 03.06.2003 N 427; от 07.07.2004 N 577; от 20.02.2006 N 127 (порядок введения в действие см. ст. 2); от 20.11.2008 N 88-IV (порядок введения в действие см. ст. 2); от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 12.01.2012 № 539-IV (вводится в действие по истечении 10 календарных дней после его первого официального опубликования); от 21.06.2013 № 106-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.11.2015 № 406-V (вводится в действие с 01.07.2017); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования); от 19.04.2023 № 223-VII (вводится в действие с 01.01.2024).

Статья 74-2. Очередность удовлетворения требований кредиторов принудительно ликвидируемого банка

Сноска. Заголовок статьи 74-2 с изменением, внесенным Законом РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019).

1. Требования кредиторов принудительно ликвидируемого банка, в том числе в связи с его банкротством, удовлетворяются в порядке, установленном настоящей статьей.

2. Расходы, связанные с ликвидационным производством, в том числе по обеспечению деятельности ликвидационной комиссии банка, производятся вне очереди.

3. Требования кредиторов, признанные в установленном порядке, должны быть удовлетворены в следующей очередности:

1) в первую очередь удовлетворяются требования:

физических лиц, перед которыми принудительно ликвидируемый банк несет ответственность за причинение вреда жизни или здоровью, путем капитализации соответствующих повременных платежей, по уплате удержанных из заработной платы и (или) иного дохода алиментов;

по оплате труда и выплате компенсаций лицам, работавшим по трудовому договору, за исключением руководящих работников принудительно ликвидируемого банка, задолженностей по социальным отчислениям в Государственный фонд социального страхования, по уплате удержанных из заработной платы обязательных пенсионных взносов, по уплате обязательных пенсионных взносов работодателя, обязательных профессиональных пенсионных взносов, а также вознаграждений по авторским договорам;

2) во вторую очередь удовлетворяются требования организации, осуществляющей обязательное гарантирование депозитов, по сумме выплаченного (выплачиваемого) ею возмещения по гарантируемым депозитам и по сумме восполненной разницы между размером имущества банка и размером обязательств по гарантируемым депозитам, передаваемым другому (другим) банку (банкам) в рамках проведения операции по одновременной передаче активов и обязательств принудительно ликвидируемого банка;

3) в третью очередь удовлетворяются требования по обязательствам, обеспеченным залогом имущества принудительно ликвидируемого банка, в размере, не превышающем стоимость залогового имущества, а также требования клиринговой организации, осуществляющей функции центрального контрагента, возникшие в результате ранее заключенных и неисполненных принудительно ликвидируемым банком, являющимся клиринговым участником данной клиринговой организации, сделок с участием центрального контрагента. В случае получения страховой выплаты за утрату или повреждение заложенного имущества требования залоговых кредиторов не подлежат удовлетворению в части, покрытой страховой выплатой. В случае утраты заложенного имущества непогашенная часть этих требований должна быть погашена в рамках восьмой очереди;

4) в четвертую очередь удовлетворяются требования по депозитам физических лиц, не являющихся лицами, связанными с принудительно ликвидируемым банком особыми отношениями, в том числе беспроцентным депозитам до востребования, размещенным в принудительно ликвидируемом исламском банке, и переводам денег, а также требования по депозитам, осуществленным за счет пенсионных активов, по депозитам страховых организаций, осуществляющих деятельность по отрасли "страхование жизни";

5) в пятую очередь осуществляются расчеты с некоммерческими организациями, занимающимися исключительно благотворительностью, организациями ветеранов Великой Отечественной войны, организациями ветеранов, приравненных по льготам к ветеранам Великой Отечественной войны, и организациями ветеранов боевых действий на территории других государств, Добровольным обществом лиц с инвалидностью Республики Казахстан, Казахским обществом слепых, Казахским обществом глухих и производственными организациями, являющимися собственностью этих юридических лиц и созданными за счет их средств, другими организациями лиц с инвалидностью по имеющимся их средствам на банковских счетах и помещенным на депозит;

6) в шестую очередь удовлетворяются требования по депозитам юридических лиц, не являющихся лицами, связанными с принудительно ликвидируемым банком особыми отношениями;

7) в седьмую очередь погашается задолженность по налогам, сборам и другим обязательным платежам в бюджет, а также по возврату займов, выданных за счет средств республиканского бюджета и средств Национального фонда Республики Казахстан;

8) в восьмую очередь производятся расчеты с другими кредиторами в соответствии с законами Республики Казахстан, в том числе удовлетворяются требования кредиторов по обязательствам, обеспеченным залогом имущества принудительно ликвидируемого банка, в части, превышающей сумму осуществленной ему страховой выплаты в соответствии с третьей очередью;

9) в девятую очередь удовлетворяются требования кредиторов – физических и юридических лиц, являющихся лицами, связанными с принудительно ликвидируемым банком особыми отношениями, в части суммы, не покрытой организацией, осуществляющей обязательное гарантирование депозитов, за счет возмещения по гарантируемым депозитам;

10) в десятую очередь производятся расчеты по субординированному долгу и бессрочным финансовым инструментам принудительно ликвидируемого банка.

4. Требования каждой очереди удовлетворяются после полного удовлетворения требований предыдущей очереди.

Требование кредитора с его согласия может быть удовлетворено способами, не противоречащими законодательству Республики Казахстан, в том числе в денежной форме и (или) посредством передачи имущества в натуре.

При удовлетворении требований кредиторов одной очереди деньги и (или) иное имущество ликвидируемого банка распределяются одновременно между кредиторами этой очереди пропорционально суммам требований, подлежащих удовлетворению.

Сноска. Статья 74-2 в редакции Закона РК от 23.12.2005 N 107 (порядок введения в действие см. ст. 2 Закона N 107); с изменениями, внесенными законами РК от 12.02.2009 № 133-IV (порядок введения в действие см. ст. 2); от 21.06.2013 № 106-V (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 16.11.2015 № 403-V (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 16.11.2015 № 406-V (вводится в действие с 01.07.2017); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 06.05.2020 № 323-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 27.06.2022 № 129-VII (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования); от 12.07.2022 № 138-VII (вводится в действие по истечении шестидесяти календарных дней после дня его первого официального опубликования).

Статья 74-3. Принудительная реорганизация банка. Реабилитационные процедуры

1. Принудительная реорганизация банка производится по решению суда в соответствии с действующим законодательством, с учетом особенностей, предусмотренных настоящим Законом.

Реабилитационная процедура в отношении банка производится по решению суда в рамках мер по принудительной реорганизации банка с целью восстановления его платежеспособности и (или) обеспечения возможности выполнения банком условий и требований, предусмотренных законодательством Республики Казахстан.

2. Суд вправе решить вопрос о принудительной реорганизации банка либо проведении в отношении банка реабилитационных процедур только на основании соответствующего заключения уполномоченного органа.

Обязательным условием для производства принудительной реорганизации банка, реабилитационных процедур является возврат банком всех находящихся у него депозитов заинтересованным лицам в течение одного года со дня принятия решения о принудительной реорганизации.

Невыполнение этого условия влечет за собой принудительную ликвидацию банка.

2-1. При наличии возможности восстановления своей платежеспособности и (или) устранения выявленных недостатков банк вправе заявить ходатайство о применении в отношении его реабилитационной процедуры в суд в связи с рассмотрением им вопроса о принудительной реорганизации банка. К ходатайству банка должен быть приложен план реабилитации банка.

Один экземпляр ходатайства банка с прилагаемыми документами представляется в уполномоченный орган.

2-2. План реабилитации банка подлежит предварительному согласованию с уполномоченным органом и утверждается судом в течение десяти дней со дня его представления. Изменения в план реабилитации банка допускаются с согласия уполномоченного органа по решению суда.

2-3. Продолжительность периода осуществления реабилитационной процедуры в отношении банка не должна превышать шесть месяцев. Сроки начала и завершения реабилитационной процедуры определяются судом. Утвержденный судом план реабилитации банка является документом, обязательным для исполнения банком и его должностными лицами.

2-4. Реабилитационная процедура проводится банком под контролем уполномоченного органа. Деятельность банка в период реабилитационной процедуры осуществляется в обычном порядке с учетом требований настоящей статьи.

3. В случае принятия судом решения о принудительной реорганизации банка (независимо от оснований возбуждения дела) ее проведение поручается утвержденному судом специальному управляющему (уполномоченным по управлению) банка, за исключением случаев, предусмотренных пунктами 2-1 - 2-4 настоящей статьи.

Специальный управляющий (уполномоченные по управлению) банка обязан ежемесячно информировать суд и кредиторов банка о своей деятельности.

4. Третье лицо, участвующее в реорганизации банка в связи со слиянием банка с другой коммерческой организацией или присоединением, обязано представить специальному управляющему (уполномоченным по управлению) необходимые документы (данные), обосновывающие его (их) финансовую состоятельность и целесообразность реорганизации банка.

5. Принудительная реорганизация банка производится в порядке, определенном судом и в соответствии с утвержденным им графиком и планом мероприятий.

6. Отчет специального управляющего (уполномоченных по управлению) банка о завершении принудительной реорганизации банка утверждается судом.

7. В 5-дневный срок после вступления в силу официального документа, подтверждающего состоявшуюся реорганизацию банка в рамках названной судебной процедуры, организация, являющаяся правопреемником банка, обязана обеспечить опубликование необходимой информации в двух республиканских газетах.

8. Расходы, связанные с осуществлением принудительной реорганизации банка, производятся за счет его средств.

9. Иные вопросы осуществления принудительной реорганизации банка и проведения реабилитационных процедур в отношении его определяются нормативными правовыми актами уполномоченного органа.

Сноска. Статья 74-3 с изменениями, внесенными Законом РК от 10.07.2003 № 483 (вводится в действие с 01.01.2004).

Статья 74-4. Контрольные полномочия уполномоченного органа в ликвидационном процессе банков

1. В целях осуществления контроля за деятельностью ликвидационных комиссий добровольно и принудительно ликвидируемых банков, в том числе по основанию банкротства, уполномоченный орган вправе:

1) получать от ликвидационных комиссий отчеты о проделанной работе, а при необходимости и дополнительную информацию;

2) устанавливать форму, сроки и периодичность предоставления ликвидационными комиссиями отчетов и дополнительной информации;

3) проводить проверки деятельности ликвидационных комиссий в порядке, установленном законами Республики Казахстан;

4) при выявлении в деятельности ликвидационных комиссий недостатков и (или) рисков, которые могут привести к созданию положения, угрожающего интересам депозиторов и (или) кредиторов, нарушений требований законодательства Республики Казахстан, прав и законных интересов кредиторов выносить обязательные для исполнения ликвидационными комиссиями письменные предписания об устранении выявленных недостатков и (или) рисков в деятельности ликвидационных комиссий, нарушений и (или) причин, а также условий, способствовавших их совершению в установленный срок, и (или) представлении в установленный срок плана мероприятий.

В плане мероприятий, представленном в срок, установленный письменным предписанием, указываются описания нарушений, причин, приведших к их возникновению, перечень запланированных мероприятий, сроки их осуществления, а также ответственные должностные лица.

5) в случае неисполнения ликвидационной комиссией в установленный срок письменного предписания заменять членов ликвидационной комиссии либо требовать их замены в случае добровольной ликвидации банка, применять меры, предусмотренные законодательством Республики Казахстан, а также обращаться в суд либо органы прокуратуры за защитой прав и охраняемых законом интересов кредиторов;

6) устанавливать особенности и порядок формирования и утверждения сметы ликвидационных расходов;

7) определять требования по выполнению ликвидационными комиссиями правил хранения наличных денег в кассе, совершения приходных и расходных операций с наличными деньгами, ведения кассовых документов, обеспечению расходования наличных денег, лимитов остатков кассы, а также сроков сдачи наличных денег на текущий счет ликвидационной комиссии.

2. Уполномоченный орган вправе получать необходимую информацию от банков, в отношении которых судом рассматривается дело о принудительном прекращении их деятельности.

3. В случае нарушения ликвидационной комиссией законодательства Республики Казахстан председатель, руководитель подразделения ликвидационной комиссии несут ответственность в соответствии с законами Республики Казахстан.

Сноска. В статью 74-4 внесены изменения - Законом РК от 2 марта 2001 г. N 162 (см. ст. 2); в новой редакции - Законом Республики Казахстан от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года); от 23 декабря 2005 года N 107 (порядок введения в действие см. ст.2 Закона N 107); Законом Республики Казахстан от 31 января 2006 года N 125; от 28.12.2011 № 524-IV (вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 01.01.2016); от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 29.06.2020 № 351-VI (вводится в действие с 01.07.2021).

Статья 74-5. Прекращение деятельности филиала банка-нерезидента Республики Казахстан

1. Прекращение деятельности филиала банка-нерезидента Республики Казахстан осуществляется в соответствии с настоящим Законом и иными нормативными правовыми актами Республики Казахстан.

Прекращение деятельности филиала банка-нерезидента Республики Казахстан может осуществляться:

1) по решению банка-нерезидента Республики Казахстан на основании разрешения органа финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, либо заявления органа финансового надзора соответствующего государства о том, что такое разрешение по законодательству банка-нерезидента Республики Казахстан не требуется, при наличии разрешения уполномоченного органа (добровольное прекращение деятельности);

2) на основании решения уполномоченного органа о лишении лицензии или решения суда в случаях, предусмотренных пунктом 4 настоящей статьи (принудительное прекращение деятельности).

2. В целях обеспечения интересов кредиторов и принятия решений с их участием в процедурах добровольного и принудительного прекращения деятельности филиалов банков-нерезидентов Республики Казахстан создается комитет кредиторов.

Состав комитета кредиторов добровольно или принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан утверждается уполномоченным органом по представлению ликвидационной комиссии филиала банка-нерезидента Республики Казахстан. Особенности формирования и деятельности комитета кредиторов устанавливаются нормативными правовыми актами уполномоченного органа.

3. После принятия банком-нерезидентом Республики Казахстан решения о добровольном прекращении деятельности филиала банка-нерезидента Республики Казахстан филиал банка-нерезидента Республики Казахстан обязан принять меры по возврату депозитов физических лиц путем их прямой выплаты либо их переводу в банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов.

Банк-нерезидент Республики Казахстан вправе обратиться в уполномоченный орган с ходатайством о выдаче разрешения на добровольное прекращение деятельности филиала банка-нерезидента Республики Казахстан после осуществления возврата депозитов физических лиц и (или) перевода в банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов.

К ходатайству должны прилагаться перечень мероприятий о сроках и этапах подготовки филиала банка-нерезидента Республики Казахстан к прекращению своей деятельности, утвержденный соответствующим органом банка-нерезидента Республики Казахстан, отчет об активах и обязательствах, свидетельствующий о достаточности средств филиала банка-нерезидента Республики Казахстан для осуществления расчетов по его обязательствам, и другие необходимые сведения, перечень которых устанавливается нормативным правовым актом уполномоченного органа.

Порядок выдачи разрешения на добровольное прекращение деятельности филиала банка-нерезидента Республики Казахстан, а также возврата депозитов физических лиц, их перевода в банк или филиал банка-нерезидента Республики Казахстан, являющиеся участниками системы обязательного гарантирования депозитов, определяется нормативным правовым актом уполномоченного органа.

Добровольное прекращение деятельности филиала банка-нерезидента Республики Казахстан осуществляется в порядке, предусмотренном пунктами 2, 2-1 и 5 статьи 69 настоящего Закона.

При получении разрешения на добровольное прекращение деятельности филиал банка-нерезидента Республики Казахстан создает ликвидационную комиссию.

Особенности деятельности ликвидационных комиссий добровольно прекращающих деятельность филиалов банков-нерезидентов Республики Казахстан определяются нормативными правовыми актами уполномоченного органа.

Ликвидационная комиссия обязана в течение семи календарных дней после утверждения отчета о ликвидации филиала банка-нерезидента Республики Казахстан представить его в уполномоченный орган. Уполномоченный орган принимает решение о завершении процедуры добровольного прекращения деятельности филиала банка-нерезидента Республики Казахстан.

При завершении процедуры добровольного прекращения деятельности филиала банка-нерезидента Республики Казахстан ликвидационная комиссия обязана в установленном порядке сдать документы для хранения в архив и уведомить об этом уполномоченный орган.

Удовлетворение требований кредиторов филиала банка-нерезидента Республики Казахстан и все расходы, связанные с добровольным прекращением деятельности филиала банка-нерезидента Республики Казахстан, производятся только за счет средств банка-нерезидента Республики Казахстан, за исключением активов филиала банка-нерезидента Республики Казахстан, принятых в качестве резерва.

Активы филиала банка-нерезидента Республики Казахстан, принятые в качестве резерва, используются банком-нерезидентом Республики Казахстан после удовлетворения требований всех кредиторов филиала банка-нерезидента Республики Казахстан.

4. Принудительное прекращение деятельности филиала банка-нерезидента Республики Казахстан производится в связи с лишением уполномоченным органом лицензии на проведение банковских и иных операций филиала банка-нерезидента Республики Казахстан по основаниям, предусмотренным настоящим Законом, в том числе в связи с решением компетентного органа государства, резидентом которого является банк-нерезидент Республики Казахстан, о лишении банка-нерезидента Республики Казахстан лицензии на проведение банковской деятельности и (или) принудительной ликвидации (прекращении деятельности) банка-нерезидента Республики Казахстан.

Принудительное прекращение деятельности филиала банка-нерезидента Республики Казахстан также производится судом в связи с заявлением (иском) уполномоченных государственных органов, физических или юридических лиц о прекращении деятельности филиала банка-нерезидента Республики Казахстан по другим основаниям, предусмотренным законами Республики Казахстан.

Решение суда о принудительном прекращении деятельности филиала банка-нерезидента Республики Казахстан направляется в уполномоченный орган для проведения процедуры прекращения деятельности филиала банка-нерезидента Республики Казахстан в порядке, установленном настоящей статьей. С даты вступления в законную силу решения суда о принудительном прекращении деятельности филиала банка-нерезидента Республики Казахстан по основанию, указанному в части второй настоящего пункта, филиал банка-нерезидента Республики Казахстан лишается лицензии на проведение банковских и иных операций.

5. С даты лишения филиала банка-нерезидента Республики Казахстан лицензии на проведение банковских и иных операций уполномоченный орган назначает ликвидационную комиссию филиала банка-нерезидента Республики Казахстан, которая осуществляет процедуру принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан.

Ликвидационная комиссия принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан принимает меры для обеспечения расчетов с его кредиторами.

С даты лишения филиала банка-нерезидента Республики Казахстан лицензии на проведение банковских и иных операций:

1) прекращаются все операции по банковским счетам клиентов и самого филиала банка-нерезидента Республики Казахстан, за исключением случаев, связанных с:

расходами, связанными с принудительным прекращением деятельности филиала банка-нерезидента Республики Казахстан, предусмотренными нормативными правовыми актами уполномоченного органа;

зачислением поступающих в пользу филиала банка-нерезидента Республики Казахстан денег;

расходами по исполнению указаний клиентов по переводам денег, поступающих на их банковские счета после лишения филиала банка-нерезидента Республики Казахстан лицензии, при условии отсутствия задолженности клиента перед банком-нерезидентом Республики Казахстан или погашения клиентом имеющейся задолженности перед банком-нерезидентом Республики Казахстан;

2) прекращаются полномочия руководящих работников филиала банка-нерезидента Республики Казахстан, руководящие, а при необходимости и иные работники филиала банка-нерезидента Республики Казахстан отстраняются от работы и увольняются в соответствии с трудовым законодательством Республики Казахстан;

3) учредители (участники), органы банка-нерезидента Республики Казахстан, руководящие работники не вправе распоряжаться имуществом банка-нерезидента Республики Казахстан, находящимся на территории Республики Казахстан;

4) не допускаются взыскание денег с банковских счетов филиала банка-нерезидента Республики Казахстан по требованиям кредиторов, органов государственных доходов, в том числе подлежащим удовлетворению в бесспорном порядке, а также обращение взыскания на имущество банка-нерезидента Республики Казахстан, находящегося на территории Республики Казахстан;

5) исполнение ранее принятых решений судов в отношении филиала банка-нерезидента Республики Казахстан приостанавливается;

6) обязательства по погашению основного долга, вознаграждения и неустойки (штрафа, пени) исполняются должниками филиала банка-нерезидента Республики Казахстан согласно заключенным договорам банковского займа и иным сделкам.

Процедура принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан осуществляется в соответствии с пунктами 3, 4, 4-1, 5 и 6 статьи 73 и статьей 74-2 настоящего Закона.

Удовлетворение требований кредиторов филиала банка-нерезидента Республики Казахстан и все расходы, связанные с принудительным прекращением деятельности филиала банка-нерезидента Республики Казахстан, производятся только за счет средств банка-нерезидента Республики Казахстан, включая активы филиала банка-нерезидента Республики Казахстан, принятые в качестве резерва.

Запрещается финансирование уполномоченным органом расходов, связанных с принудительным прекращением деятельности филиала банка-нерезидента Республики Казахстан, за исключением расходов, связанных с оплатой труда работников уполномоченного органа, включенных в состав ликвидационной комиссии филиала банка-нерезидента Республики Казахстан.

Порядок назначения и освобождения ликвидационных комиссий принудительно прекращающих деятельность филиалов банков-нерезидентов Республики Казахстан, требования, предъявляемые к председателю и членам ликвидационной комиссии, а также порядок принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан и требования к работе ликвидационных комиссий определяются нормативными правовыми актами уполномоченного органа.

Права и обязанности председателя и члена ликвидационной комиссии, в том числе право на вознаграждение, объем полномочий по управлению делами и имуществом принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан регулируются нормативными правовыми актами уполномоченного органа и соглашением, заключаемым с ними комитетом кредиторов с учетом требований, установленных законодательством Республики Казахстан.

Ежемесячный размер вознаграждения, выплачиваемого председателю, членам ликвидационной комиссии филиала банка-нерезидента Республики Казахстан и иным привлеченным работникам, не должен превышать на каждого из них сумму десятикратного минимального размера заработной платы, установленного законом о республиканском бюджете и действующего на 1 января соответствующего финансового года.

Ликвидационная конкурсная масса филиала банка-нерезидента Республики Казахстан формируется в порядке, определенном нормативным правовым актом уполномоченного органа.

В ликвидационную конкурсную массу филиала исламского банка-нерезидента Республики Казахстан не включается имущество, приобретенное за счет денег, привлеченных по договору об инвестиционном депозите. Указанное имущество, а также обязательства по инвестиционным депозитам подлежат передаче ликвидационной комиссией другому исламскому банку или филиалу исламского банка-нерезидента Республики Казахстан.

Порядок выбора исламского банка, филиала исламского банка-нерезидента Республики Казахстан и передачи им имущества, приобретенного за счет денег, привлеченных по договору об инвестиционном депозите, и обязательств по инвестиционным депозитам принудительно прекращающего деятельность филиала исламского банка-нерезидента Республики Казахстан устанавливается нормативным правовым актом уполномоченного органа.

Для удовлетворения требований кредиторов филиала банка-нерезидента Республики Казахстан ликвидационная комиссия принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан вправе использовать активы филиала банка-нерезидента Республики Казахстан, в том числе принятые в качестве резерва, и деньги на банковских счетах, открытых для осуществления деятельности филиала банка-нерезидента Республики Казахстан.

При недостаточности активов филиала банка-нерезидента Республики Казахстан, в том числе принятых в качестве резерва, банк-нерезидент Республики Казахстан удовлетворяет требования кредиторов филиала банка-нерезидента Республики Казахстан в соответствии с письменным обязательством, ранее представленным в уполномоченный орган в соответствии с подпунктом 12) пункта 2 статьи 13-1 настоящего Закона.

Уполномоченный орган утверждает отчет о ликвидации и принимает решение о завершении процедуры принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан.

При завершении процедуры принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан ликвидационная комиссия обязана в установленном порядке сдать документы для хранения в архив и уведомить об этом уполномоченный орган.

После снятия с учетной регистрации филиала банка-нерезидента Республики Казахстан ликвидационная комиссия принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан в течение пяти рабочих дней представляет в уполномоченный орган копию справки о снятии с учетной регистрации филиала.

6. В случае лишения филиала банка-нерезидента Республики Казахстан лицензии на проведение банковских и иных операций по основаниям лишения банка-нерезидента Республики Казахстан лицензии на осуществление банковской деятельности и (или) принудительной ликвидации (прекращении деятельности) банка-нерезидента Республики Казахстан процедура принудительного прекращения деятельности филиала банка-нерезидента Республики Казахстан осуществляется с учетом следующих особенностей:

1) не применяются положения части четырнадцатой пункта 5 настоящей статьи;

2) удовлетворение требований кредиторов филиала банка-нерезидента Республики Казахстан производится ликвидационной комиссией принудительно прекращающего деятельность филиала банка-нерезидента Республики Казахстан в соответствии со статьей 74-2 настоящего Закона за счет активов филиала банка-нерезидента Республики Казахстан, в том числе принятых в качестве резерва, и денег на банковских счетах, открытых для осуществления деятельности филиала банка-нерезидента Республики Казахстан;

3) при недостаточности активов филиала банка-нерезидента Республики Казахстан, в том числе принятых в качестве резерва, и денег на банковских счетах, открытых для осуществления деятельности филиала банка-нерезидента Республики Казахстан, удовлетворение требований кредиторов филиала банка-нерезидента Республики Казахстан производится в порядке, предусмотренном законодательством государства, резидентом которого является банк-нерезидент Республики Казахстан.

Обмен информацией между уполномоченным органом и органом финансового надзора государства, резидентом которого является банк-нерезидент Республики Казахстан, о ходе и результатах процедуры ликвидации банка-нерезидента Республики Казахстан осуществляется на основании и в порядке, предусмотренных соглашением, указанным в подпункте 3) пункта 1 статьи 13-1 настоящего Закона.

7. Уполномоченный орган осуществляет контроль за деятельностью ликвидационных комиссий добровольно и принудительно прекращающих деятельность филиалов банков-нерезидентов Республики Казахстан в соответствии со статьей 74-4 настоящего Закона.

Сноска. Глава 9 дополнена статьей 74-5 в соответствии с Законом РКот 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Раздел III. Заключительные положения
Глава 9-1. Ответственность за нарушения,
связанные с банковской деятельностью

Сноска. Глава 9-1 введена Законом РК от 29 июня 1998 г. N 236; глава исключена - Законом Республики Казахстан от 10 июля 2003 года N 483 (вводится в действие с 1 января 2004 года).

Глава 10. Заключительные и переходные положения

Сноска. Заголовок главы 10 в редакции Закона РК от 19 февраля 2007 года N 230 (порядок введения в действие см. ст.2).

Статья 75. Сфера применения настоящего Закона

1. Нормы настоящего Закона распространяются на все банки, осуществляющие свою деятельность в соответствии с законодательством Республики Казахстан, в том числе и на учрежденные в особом порядке - на основании отдельных законодательных и нормативных актов, регламентирующих первоначальный этап их организации, а также на лиц, являющихся прямыми и косвенными участниками банков.

2. Правовой статус, порядок создания, лицензирования, регулирования и прекращения деятельности организаций, осуществляющих отдельные виды банковских операций, включая перечень разрешенных для каждого из них видов банковских операций, основания выдачи им лицензий на проведение банковских операций и возможные ограничения их деятельности, устанавливаются настоящим Законом и иными законами Республики Казахстан, а в случаях, предусмотренных законами Республики Казахстан, нормативными правовыми актами уполномоченного органа и Национального Банка Республики Казахстан.

Организации, являющиеся подразделениями государственных органов, вправе осуществлять банковские операции исключительно в отношении и за счет средств государственного бюджета, без права делегирования их осуществления третьим лицам, в соответствии с нормативными правовыми актами Правительства Республики Казахстан, определяющими порядок создания, деятельности, регулирования и прекращения деятельности вышеуказанных организаций.

2-1. На банки и иные юридические лица, осуществляющие деятельность в рамках введенного в соответствии с Законом Республики Казахстан "О государственном регулировании, контроле и надзоре финансового рынка и финансовых организаций" особого режима регулирования, нормы настоящего Закона и нормативных правовых актов уполномоченного органа, Национального Банка Республики Казахстан, принимаемых в соответствии с настоящим Законом, распространяются в пределах, предусмотренных условиями особого режима регулирования.

Положения части первой настоящего пункта не распространяются на филиалы банков-нерезидентов Республики Казахстан.

3. Исключен Законом РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования).

4. Положения настоящего Закона, применяемые по отношению к банкам (за исключением статей 1, 3, 5, 5-1, 10, 10-1, 11-1, 11-2, 13, 14, 15, 16, 16-1, 16-2, 16-3, 17, 17-1, 17-2, 18, 19, 21, 23, 24, 25, 28, 47-1, 48-1, 52-4, 52-7, 52-9, 52-13, 52-14, 52-15, 52-16, 52-17, 54-1, 59-1, 59-2, 59-3, 60, 60-1, 61, 61-2, 61-4, 61-9, 61-10, 61-11, 61-12, 61-13, 62, 63, 64, 65, 66, 67, 67-1, 68, 68-1, 70, 71, 72, 74, 74-1, 74-3, 76-1, 78) распространяются на филиалы банков-нерезидентов Республики Казахстан с учетом особенностей, установленных настоящим Законом.

Полномочия уполномоченного органа и Национального Банка Республики Казахстан в сфере регулирования правоотношений, связанных с банками, в том числе полномочия на принятие нормативных правовых актов в целях реализации настоящего Закона, предусмотренных статьями 8-1, 20, 26, 27, 30, 31, 31-1, 34, 35, 36, 39, 40, 40-5, 45, 45-1, 50, 52-12, 56, 57, 61-5, 61-6, 61-7, 73 настоящего Закона, распространяются на правоотношения, связанные с филиалами банков-нерезидентов Республики Казахстан.

Сноска. Статья 75 с изменениями, внесенными законами РК от 11.07.1997 N 154; от 02.03.2001 N 162 (см. ст. 2); от 10.07.2003 N 483 (вводится в действие с 01.01.2004); от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); от 24.11.2015 № 422-V (вводится в действие с 16.12.2020); от 02.07.2018 № 168-VІ (вводится в действие по истечении десяти календарных дней со дня его первого официального опубликования); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 02.01.2021 № 399-VI (вводится в действие по истечении десяти календарных дней после дня его первого официального опубликования).

Статья 76. (Статья 76 исключена Законом РК от 29 июня 1998 г. N 236)

Статья 76-1. Переходные положения

Требования части третьей пункта 1-1 статьи 57 настоящего Закона не применяются при осуществлении аудита участников банковского конгломерата по итогам 2005 и 2006 годов.

Сноска. Глава 10 дополнена статьей 76-1 Законом РК от 19 февраля 2007 года N 230 (порядок введения в действие см. ст.2).

Статья 77. Обжалование действий (бездействия) уполномоченного органа и Национального Банка Республики Казахстан

Сноска. Заголовок статьи 77 с изменением, внесенным Законом РК от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020).

Действия (бездействие) уполномоченного органа и Национального Банка Республики Казахстан в сфере регулирования банковской деятельности могут быть обжалованы в порядке, установленном законами Республики Казахстан.

Обжалование решения уполномоченного органа или Национального Банка Республики Казахстан о применении мер надзорного реагирования (кроме рекомендательных мер надзорного реагирования) и (или) санкций, об отнесении банка к категории банков с неустойчивым финансовым положением, создающим угрозу интересам его депозиторов и кредиторов и (или) угрозу стабильности финансовой системы, об отнесении банка к категории неплатежеспособных банков, о применении к нему мер по урегулированию, а также действий временной администрации по управлению банком (временного управляющего банком) на стадии консервации, временной администрации (временного администратора) банка до вступления в законную силу решения суда о принудительной ликвидации банка не приостанавливает исполнение обжалуемых решения или действий (бездействия).

В случае признания недействительной сделки, заключенной на основании решения уполномоченного органа и (или) стороной которой является временная администрация по управлению банком (временный управляющий банком) на стадии консервации, временная администрация (временный администратор) банка до вступления в законную силу решения суда о принудительной ликвидации банка, возврат сторонами всего полученного по этой сделке не допускается.

Сноска. Статья 77 в редакции Закона РК от 05.07.2012 № 30-V(вводится в действие по истечении десяти календарных дней после его первого официального опубликования); с изменениями, внесенными законами РК от 02.07.2018 № 168-VІ (вводится в действие с 01.01.2019); от 03.07.2019 № 262-VI (вводится в действие с 01.01.2020); от 29.06.2020 № 351-VI (вводится в действие с 01.07.2021).

Статья 78. Вступление в действие настоящего Закона

1. Настоящий Закон вступает в силу со дня опубликования.

2. Со дня вступления в силу настоящего Закона при выявлении нарушений порядка формирования уставного капитала банков, допущенных в период действия Закона Республики Казахстан от 14 апреля 1993 г. "О банках в Республике Казахстан", к банкам применяются санкции, предусмотренные настоящим Законом.

Сноска. Статья 78 с изменениями, внесенными Законом РК от 11.07.1997 № 154.

Президент
Республики Казахстан

On Banks and Banking Activities in the Republic of Kazakhstan

Section I. The grounds and conditions for establishment and functioning of banksChapter 1. General provisions Article 1. Bank, its status and location