On Banks and Banking Activities in the Republic of Kazakhstan

The Law of the Republic of Kazakhstan dated 31 August 1995 № 2444.

Unofficial translation
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 № 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 № 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 № 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 № 154; dated 16.07.1999 № 436; dated 02.03.2001 № 162 (see Art. 2); dated 10.07.2003 № 483 (shall be enforced from 01.01.2004); dated 05.07.2012 № 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 № 262-VI (shall be enforced from 01.01.2020); dated 12.07.2022 № 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;

1-1) electronic trading platform for the sale of banking and microfinance assets - an Internet resource that provides infrastructure for participants to conduct trades, operating in accordance with the Law of the Republic of Kazakhstan "On state regulation, control and supervision of the financial market and financial organizations";

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;

15) consumer bank loan - a bank loan that is not a mortgage housing loan (mortgage loan), provided to an individual for the purchase of goods, works, services and (or) other purposes not related to the entrepreneurial activities.

Footnote. Article 2 is in the wording of the Law of the Republic of Kazakhstan dated 20.11.2008 № 88 -IV (the order of enforcement See Art. 2); as amended by the Laws of the Republic of Kazakhstan dated 12.02.2009 № 133 -IV (the order of enforcement See Art. 2); dated 13.02.2009 № 135 -IV (the order of enforcement see Art. 3); dated 11.07.2009 № 185 -IV (shall be enforced from 30.08.2009); dated 28.12.2011 № 524 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 12.01.2012 № 539 -IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 05.07.2012 № 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 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 19.06.2024 № 97-VIII (comes into force sixty calendar days after the date of 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 № 239-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.01.2021 № 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 № 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 № 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 № 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 № 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 № 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 № 262-VI (shall be enforced from 01.01.2020); dated 05.01.2021 № 407-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 04.07.2022 № 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 № 311-V (shall be enforced from 01.01.2015); dated 24.11.2015 № 419-V (shall be enforced from 01.01.2016); 29.03.2016 № 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 03.07.2019 № 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;

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.

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. The bank shall sell the following property by holding auctions on the electronic trading platform for the sale of banking and microfinance assets:

collateral property that was previously security for the fulfillment of obligations under a bank loan agreement, which has become the property of the bank as a result of foreclosure;

property that has become the property of the bank as a result of the bank receiving compensation in exchange for the fulfillment of an obligation under a bank loan agreement.

The requirement established by part one of this paragraph shall not apply to housing leased by the bank in accordance with subparagraph 14) of paragraph 9 of this article with the condition of its redemption.

The property specified in part one of this paragraph shall be sold by the bank within three years from the date of its transfer to the ownership of the bank, with the exception of:

a land plot, the term of sale of which is determined taking into account the features stipulated by the Land Code of the Republic of Kazakhstan;

housing leased by the bank in accordance with subparagraph 14) of paragraph 9 of this article without a condition of its redemption, the term of sale of which is extended in proportion to the term of the lease.

The requirements established by parts one, two and three of this paragraph apply to organizations carrying out certain types of banking operations and subsidiaries of banks acquiring doubtful and hopeless assets of the parent bank.

The requirements of this paragraph shall not apply to cases of transfer of shares or participation interests in the authorized capital of legal entities to the ownership of banks, as provided for in paragraph 7 of this article.

The property specified in part one of this paragraph, in the event of recognition of the auction as invalid, may be sold by conducting a direct targeted sale in accordance with the rules for conducting auctions on the electronic trading platform for the sale of banking and microfinance assets, approved by the regulatory legal act of the authorized body.

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) sale, in the manner established by legislative acts of the Republic of Kazakhstan, of property pledged by borrowers and property received as compensation in exchange for the fulfillment of an obligation under a bank loan agreement;

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;

9-2) provision of services for managing the depositor's account (accounts) opened with the central depository in the name of the depositor;

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) on the basis of a property lease (rent) agreement, including with a buyout condition, lease housing that has become the property of the bank.

Only individuals who belong to socially vulnerable groups of the population in accordance with the Law of the Republic of Kazakhstan "On Housing Relations" and whose housing has become the property of the bank as a result of foreclosure due to their failure to fulfill or improper fulfillment of obligations under the mortgage housing loan agreement (mortgage loan) or provision of compensation in the form of housing that acted as collateral under the mortgage housing loan agreement (mortgage loan) may act as tenants of the housing specified in part one of this subparagraph;

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;

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) 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 № 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 № 311-V (the order of enforcement see Article 2); 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 26.07.2016 № 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 27.02.2017 № 49-IV (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 02.01.2021 № 399-VI (for the procedure of enactment see ст.2); dated 04.07.2022 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 19.06.2024 № 97-VIII (for the procedure for entry into force, see Art. 2).

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 № 399-VI (shall come into force from 16.12.2020); dated 30.12.2022 № 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.

1-1. A bank or an organization carrying out certain types of banking operations, when distributing and (or) placing an advertisement containing information on the amount of remuneration for a bank loan or deposit, shall indicate the remuneration rate in a reliable, annual, effective, comparable calculation.

When distributing an advertisement containing information on the amount of remuneration for a bank loan or deposit, including its publication, the annual effective remuneration rate shall be indicated in digital terms, in the same font size and style as other remuneration rates. It is not allowed to indicate the annual effective remuneration rate in a font smaller than that used when indicating other information in this advertisement.

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 № 262-VI (shall be enforced from 01.01.2020); dated 19.06.2024 № 97-VIII (comes into effect sixty calendar days after the date of its first official publication).

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 № 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 № 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 № 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 № 168-VІ (shall be enforced from 01.01.2019);
13) excluded by the Law of the Republic of Kazakhstan dated November 25, 2019 № 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 № 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 03.07.2020 № 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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 № 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 № 422-V (shall be enforced from 01.01.2016
9. Is excluded by the Law of the Republic of Kazakhstan dated 24.11.2015 № 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 № 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 25.12.2017 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated November 25, 2019 № 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 04.07.2022 № 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 № 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 № 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 № 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 № 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 № 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 № 399-VI (shall come into force from 16.12.2020); amended by the Law of the Republic of Kazakhstan dated 12.07.2022 № 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 № 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 № 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 № 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 № 138-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 30.12.2022 № 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 № 422-V (shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 № 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;

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 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 № 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 № 168-VI (shall be enforced from 01.01.2019); as amended by the Law of the Republic of Kazakhstan dated 12.07.2022 № 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 № 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).

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 № 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 № 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 № 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 information about the applicant's executives in the form prescribed by the regulatory legal acts of the authorized body, including information about education, work experience, and impeccable business reputation. For the applicant's executives who are non-residents of the Republic of Kazakhstan, the applicant shall provide information confirming their impeccable business reputation in the form prescribed by the regulatory legal act of the authorized body;

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 № 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.

9-1. The requirements of this article regarding the presence of the minimum required rating of one of the rating agencies and the agreement between the authorized body and the relevant supervisory authority of a foreign state on the exchange of information shall not apply to cases of acquisition by the applicant - a financial institution - non-resident of the Republic of Kazakhstan of one hundred percent of the shares of a bank - resident of the Republic of Kazakhstan from a national management holding.

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 № 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 № 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 № 272-VI (the order of enforcement see Art. 3); dated 03.07.2020 № 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 № 177-VII (shall be enforced from the date of its first official publication); dated 19.06.2024 № 97-VIII (enters into force on 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 № 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 № 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 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 № 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;

and (or) in the positions of political civil servants ensuring the formation of state policy in the spheres of economics, finance or state audit and financial control;

and (or) in the national management holding, the Development Bank of Kazakhstan, a special fund for the development of private entrepreneurship, a subsidiary of the national management holding implementing the development of the direct investment market, in the positions stipulated by subparagraph 3-2) of paragraph 5-1 of this article;

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;

3-1) a political civil servant ensuring the formation of state policy in the spheres of economics, finance or state audit and financial control;

3-2) the head and members of the management body, the head of the executive body, his deputy and members of the executive body of the national management holding, the Development Bank of Kazakhstan, a special fund for the development of private entrepreneurship, a subsidiary of the national management holding implementing the development of the direct investment market;

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 (replace a temporarily absent) of a bank executive employee by persons who do not meet the requirements of this article and have not been agreed upon with the authorized body, except in cases where the duties of the head of the executive body of the bank are assigned to a member of the executive body of the bank or the duties of the chief accountant of the bank are assigned to the deputy chief accountant of the bank for a period of no more than thirty calendar days.

It is not permitted to assign the performance of duties (replacement of a temporarily absent) of the head of the executive body of the bank or the chief accountant of the bank to the persons specified in part seven of this paragraph, due to the absence of a candidate agreed upon with the authorized body, in total more than one hundred and eighty calendar days within twelve consecutive months.

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

16. The requirements of this article, with the exception of subparagraphs 3), 4), 5) and 6) of paragraph 3 of this article, shall not apply to bank holding companies that indirectly own (have the ability to vote, determine decisions and (or) influence decisions made by virtue of an agreement or otherwise) shares of the bank through ownership (the ability to vote, determine decisions and (or) influence decisions made by virtue of an agreement or otherwise) of shares or participation interests in the authorized capital of a bank holding company - a resident of the Republic of Kazakhstan, which directly owns (has the ability to vote, determine decisions and (or) influence decisions made by virtue of an agreement or otherwise) shares of the said bank.

Footnote. Article 20 is in the wording of the Law of the Republic of Kazakhstan dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); as amended by the laws of the Republic of Kazakhstan dated 25.12.2017 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 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 № 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 № 399-VI (for the procedure of enactment see Article 2); dated 01.07.2022 № 131-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 06.04.2024 № 71-VIII (comes into effect sixty calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (comes into effect ten calendar days after the date of 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 № 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 № 272-VI (shall be enforced from 02.01.2020); dated 26.06.2020 № 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 № 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 № 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 № 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 № 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 № 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 № 241-VI (shall be enforced from 01.07.2019); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 12.07.2022 № 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 № 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 № 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 № 422-V (shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 02.07.2018 № 166-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 168-VI (entry into force see Article 2); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 272-VI (shall be enforced from 02.01.2020); as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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 № 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 № 203-V (shall be enforced upon expiry of six months after its first official publication); dated 05.07.2014 № 236-V (shall be enforced from 01.01.2015); dated 27.04.2015 № 311-V (shall be enforced from 01.09.2014); 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 (entry into force see Article 2); dated 02.04.2019 № 241-VI (shall be enforced from 01.07.2019); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 24.11.2015 № 422-V (for the procedure of enactment see art. 2); dated 03.07.2020 № 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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.

12-1. Banks and organizations carrying out certain types of banking operations have the right to collect copies of identification documents of non-residents for the purposes provided for by this Law.

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.

In addition to the condition provided for in part one of this paragraph, the condition for branches of banks - non-residents of the Republic of Kazakhstan to carry out banking operations provided for in subparagraph 2) of paragraph 2 of this article is the acceptance from an individual of a deposit of no less than an amount equal to one hundred 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 № 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 26.07.2016 № 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 27.02.2017 № 49-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 166-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 27.12.2021 № 87-VII (shall be enforced ten calendar days after the day of its first official publication); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 11.12.2023 № 44-VIII (shall be enforced upon expiration of sixty calendar days after the day of its first official publication); dated 19.06.2024 № 97-VIII (comes into effect ten calendar days after the day of 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 № 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 № 203-V (shall be enforced upon expiry of six months after its first official publication); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 29.03.2016 № 479-V (shall be enforced upon expiry of twenty-one calendar days after its first official publication); dated 09.04.2016 № 499-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).

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 № 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 № 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 № 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 № 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 № 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;

deferment, including for a period that includes the term of compulsory military service and 60 days after its completion, and (or) payment installments 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.

If a bank or an organization carrying out certain types of banking operations applies improving conditions, the borrower is notified of the change in the terms of the bank loan agreement in the manner prescribed by the bank loan agreement, as well as through information technology objects that provide the bank or organization carrying out certain types of banking operations with the opportunity to identify the borrower - an individual by using the identification means stipulated by the Law of the Republic of Kazakhstan "On Payments and Payment Systems" (hereinafter - information technology objects), except for the case provided for in subparagraph six of part two of this paragraph.

The provision by a bank or an organization carrying out certain types of banking operations of a deferment and (or) payment installment plan under a bank loan agreement without increasing monthly loan payments is carried out with the consent of the borrower.

The borrower has the right, within fourteen calendar days from the date of receipt of the notification, to refuse, in the manner prescribed by the bank loan agreement, as well as through information technology objects, the improvement of conditions applied by the bank, the organization carrying out 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

3-2. A bank or an organization carrying out certain types of banking operations shall be obliged to provide, under a bank loan agreement, a deferment of payment on the principal debt and remuneration to military personnel on active military service for a period that includes the term of active military service and 60 days after its completion, without charging interest on the loan in the manner determined by the authorized body.

The exchange of information on military personnel called up for active military service, as well as their dismissal, the presence or absence of a bank loan, and the provision of a deferment of payment on it shall be carried out through interaction between the information systems of state bodies and banks, organizations carrying out certain types of banking operations, in the manner determined by the authorized body in agreement with the Ministry of Defense of the Republic of Kazakhstan.

In the cases provided for in part two of this paragraph, the collection, processing and use of personal data shall be carried out in accordance with the legislation of the Republic of Kazakhstan.

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.

5-1. An individual shall have the right to set a free voluntary refusal to receive bank loans or to withdraw it at a credit bureau or through the "electronic government" web portal.

5-2. A bank or an organization carrying out certain types of banking operations is prohibited from providing bank loans to an individual if there is information about his/her voluntary refusal to receive a bank loan in his/her credit report received by the bank or an organization carrying out certain types of banking operations before making a decision to provide a bank loan.

A bank or an organization carrying out certain types of banking operations is prohibited from providing bank loans to an individual without the consent of the spouse, the procedure for its obtaining and the minimum amount of a bank loan for which the consent is required are determined by a regulatory legal act of the authorized body.

In the event that a bank or an organization carrying out certain types of banking operations issues a bank loan in the presence of information about the establishment by the client - an individual of a voluntary refusal to receive a bank loan in his credit report, as well as without the consent of the spouse, the bank or organization carrying out certain types of banking operations shall not have the right to demand that the individual fulfills obligations under such a bank loan.

The ban on providing a bank loan to an individual in the presence of information about the establishment by him of a voluntary refusal to receive a bank loan does not apply to cases of issuing a bank loan for the purpose of repaying a debt on a bank loan of an individual or within the established credit limit on a payment card in an amount not exceeding seventy-five times the monthly calculation indicator established for the relevant financial year by the law on the republican budget.

A bank or an organization carrying out certain types of banking operations, no later than three working days from the date of detection of the fact of issuance of a bank loan, if there is information about the establishment by an individual of a voluntary refusal to receive a bank loan in his/her credit report, as provided for in part one of this paragraph, and also without the consent of the spouse, take the following measures:

make a decision to write off the client's debt on such a bank loan;

stop debt collection and claims and litigation work on such a bank loan of the client;

make adjustments to the client's credit record in credit bureaus by eliminating records of information on such a bank loan;

return to the client previously withheld (paid) amounts of remuneration and (or) penalties on such a bank loan.

5-3. A bank or an organization carrying out certain types of banking operations is prohibited from providing a bank loan not related to the entrepreneurial activity to an individual who has an overdue debt on a bank loan and (or) microcredit for more than ninety calendar days.

This prohibition does not apply to cases of issuing a bank loan for the purpose of repaying a bank loan and (or) microcredit of an individual not related to the entrepreneurial activity, on improving terms that provide for a downward change in the interest rate and (or) the amount of periodic payments and (or) a downward change or complete cancellation of a penalty (fine, penalty).

5-4. A bank or an organization carrying out certain types of banking operations shall not have the right to issue a consumer bank loan, the amount of which does not meet the requirements established by the regulatory legal act of the authorized body.

5-5. A bank or an organization carrying out certain types of banking operations shall be prohibited from concluding a bank loan agreement with an individual via the Internet without conducting his or her biometric identification, the procedure for which shall be determined by the authorized body.

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.

15. From the moment of detection of unauthorized access to information constituting a banking secret, its unauthorized modification, the implementation of unauthorized actions by third parties or other illegal (fraudulent) actions with bank loans of individuals, a bank or an organization carrying out certain types of banking operations shall, within two working days, take measures to eliminate the causes and consequences of such actions, and also, within one working day, inform the client and the authorized body about this.

Based on a recommendation (issued) by law enforcement agencies in accordance with the Criminal Procedure Code of the Republic of Kazakhstan on taking measures to eliminate the circumstances that contributed to the commission of a criminal offense, or a resolution on recognizing the borrower - an individual as a victim, the bank, the organization carrying out certain types of banking operations, no later than three calendar days:

suspend debt collection and claims and litigation work on such a bank loan of the client;

suspend the accrual of remuneration and (or) penalties on such a bank loan of the client.

The bank, the organization carrying out certain types of banking operations, no later than ten working days from the date of receipt of a judicial act that has entered into legal force, which establishes the fact of registration of a bank loan fraudulently without the participation of the client, make a decision to write off the client's debt on the bank loan, as well as measures to return to the client the previously withheld (paid) amounts on such a bank loan.

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 № 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 17.07.2015 № 333-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.11.2015 № 422-V (the procedure for enforcement, see Article 2); dated 06.05.2017 № 63-VI (shall be enforced upon expiry of twenty - one calendar days after its first official publication); dated 24.05.2018 № 156-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.07.2018 № 168-VI (entry into force see Article 2); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated December 27, 2019 № 291-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 03.07.2020 № 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 24.05.2021 № 43-VII (shall come into force from 01.10.2021); dated 27.12.2021 № 87-VII (shall be enforced upon expiration of ten calendar days after the day of its first official publication); dated 31.12.2021 № 100 (see Article 2 for the entry into force); dated 04.07.2022 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 11.12.2023 № 44-VIII (shall be enforced upon expiration of sixty calendar days after the day of its first official publication); dated 19.06.2024 № 97-VIII (for the procedure for entry into force, see Article 2).

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 № 43-VII (shall come into force from 01.10.2021).
8. Excluded by the Law of the Republic of Kazakhstan dated 24.05.2021 № 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.

11. In cases of transfer of housing to the ownership of a bank, an organization carrying out certain types of banking operations, and (or) transfer of housing under an act and if the pledger - an individual belonging to socially vulnerable groups of the population in accordance with the Law of the Republic of Kazakhstan "On Housing Relations", does not own another housing, he has the right, within thirty calendar days from the date of transfer of housing to the ownership of the bank, the organization carrying out certain types of banking operations, to apply to the bank, the organization carrying out certain types of banking operations, with an application for transfer of such housing to him for lease, including with the condition of its redemption.

12. The bank, the organization carrying out certain types of banking operations, within fifteen calendar days from the date of receipt of the application provided for in paragraph 11 of this article, shall consider it and inform the individual of one of the following decisions:

1) on consent to conclude a property lease (rental) agreement for housing with or without the condition of its redemption;

2) on refusal to conclude a property lease (rental) agreement, indicating a reasoned justification for such refusal on the grounds established by this Law.

13.A bank or an organization carrying out certain types of banking operations has the right to refuse to conclude a property lease (rental) agreement based on the application provided for in paragraph 11 of this article in the following cases:

1) the applicant provides false information about belonging to a category of socially vulnerable groups of the population;

2) the applicant is unable to pay rent due to the lack of sources of income;

3) the applicant is bankrupt;

4) the applicant owns housing.

14. In the event of concluding a property lease (rental) agreement with a condition of redemption of the housing, the right of ownership of the housing is registered in the name of the tenant after the tenant has made the last payment on rent or has fully repaid the cost of the housing early, as specified in the property lease (rental) agreement.

The property lease (rental) agreement shall be terminated in the event of the tenant's failure to fulfill obligations under the property lease (rental) agreement for a period exceeding ninety consecutive calendar days, while the bank or organization carrying out certain types of banking operations is prohibited from charging and demanding penalties (fine interest) on overdue payments.

Footnote. Chapter 3 is supplemented by Article 34-1 in accordance with the Law of the Republic of Kazakhstan dated 02.07.2018 № 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 № 217-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 24.05.2021 № 43-VII (shall come into force from 01.10.2021); dated 19.06.2024 № 97-VIII (comes into effect ten calendar days after the date of its first official publication).

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 № 422-V (shall be enforced from 01.07.2016); dated 02.07.2018 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 31.12.2021 № 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 № 43-VII (shall come into force from 01.10.2021).

1. In the event of a delay in the fulfillment of an obligation under a bank loan agreement, but no later than ten calendar days from the date of its occurrence, the bank (organization carrying out certain types of banking operations) shall be obliged to notify the borrower in the manner and within the timeframes stipulated by the bank loan agreement, as well as through information technology objects, of:

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 the borrower - an individual under a bank loan agreement to apply to the bank (organization carrying out certain types of banking operations) with the application stipulated by paragraph 1-1 of this article;

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 occurrence of the delay in the fulfillment of the obligation under the bank loan agreement, the borrower - an individual has the right to visit the bank (an organization that carries out certain types of banking operations) and (or) submit in writing, as well as through information technology objects or in the manner stipulated by the bank loan agreement, an application containing information on the reasons for the occurrence of the delay in the fulfillment of the obligation under the bank loan agreement, income and other confirmed circumstances (facts) that justify 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 (the organization carrying out certain types of banking operations) shall, within fifteen calendar days after the date of receipt of the application specified in paragraph 1-1 of this article, consider changes to the terms of the bank loan agreement proposed by the borrower - an individual, in the manner determined by the regulatory legal act of the authorized body, and in writing, as well as through information technology objects or in the manner stipulated by the bank loan agreement, inform the borrower - an individual of one of the following decisions:

1) on concent with the proposed changes to the terms of the bank loan agreement;

2) on a counter-proposal to change the terms of the bank loan agreement;

3) on refusal to change the terms of the bank loan agreement, indicating a reasoned justification for such refusal.

During the period of consideration of the application of the borrower - an individual to amend the terms of the bank loan agreement, the bank (the organization carrying out certain types of banking operations) shall not have the right to demand early repayment of the loan.

Failure to reach a mutually acceptable solution between the bank (organization carrying out certain types of banking operations) and the borrower - an individual within thirty calendar days from the date of receipt of the bank's (organization carrying out certain types of banking operations) decision, stipulated by subparagraph 2) of part one of this paragraph, shall be considered a refusal to change the terms of the bank loan agreement. This period may be extended with the consent of both parties.

1-3.The borrower - an individual, within fifteen calendar days from the date of receipt of the decision of the bank (organization carrying out certain types of banking operations), stipulated by subparagraph 3) of part one of paragraph 1-2 of this article, or if a mutually acceptable solution to change the terms of the bank loan agreement is not reached within the period stipulated by part three of paragraph 1-2 of this article, has the right to apply to the banking ombudsman with simultaneous notification of the bank (organization carrying out certain types of banking operations).

The banking ombudsman shall consider the application of the borrower - an individual upon presentation of evidence of his application to the bank (organization carrying out certain types of banking operations) and failure to reach a mutually acceptable solution with the bank (organization carrying out certain types of banking operations) to change the terms of the bank loan agreement.

During the period of consideration by the banking ombudsman of an appeal from a borrower - an individual belonging to socially vulnerable groups of the population in accordance with the Law of the Republic of Kazakhstan "On Housing Relations", on a mortgage housing loan (mortgage loan) not related to the entrepreneurial activity, foreclosure on the mortgaged property by filing a claim in court or out of court is not allowed.

2.If the requirement specified in subparagraph 1) of part one of paragraph 1 of this article is not satisfied, the bank (organization carrying out certain types of banking operations) shall have the right to foreclose in an uncontested manner on the money, including by presenting a payment demand, available in the borrower's bank accounts (if such foreclosure 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, financial assistance provided in accordance with subparagraph 1) of paragraph 4 of Article 112 of the Social Code of the Republic of Kazakhstan, located 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, alimony (money intended for the maintenance of minors and disabled adult children) located in bank accounts opened at the request of the borrower in the manner determined 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 in bank accounts in a housing construction savings bank intended for crediting payments and subsidies for the purpose of paying for rented housing in a private housing stock, targeted savings and (or) payments of targeted savings from a unified accumulative pension fund for the purpose of improving housing conditions and (or) paying for education, lump-sum pension payments from a unified accumulative pension fund for the purpose of improving housing conditions and (or) paying for treatment provided for by the legislation of the Republic of Kazakhstan on social protection, money 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 a unified accumulative pension fund for the purpose of improving housing conditions and (or) paying for education, money in bank accounts in second-tier banks in the form of savings for major repairs of the common property of a condominium facility, with the exception of collections 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 a condominium facility, 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 partnership and concessions, money deposited on the terms of a notary deposit, money in bank accounts intended for recording the money of clients of an investment portfolio manager for unfulfilled obligations of this investment portfolio manager, money in bank accounts intended for recording the money of clients of a person performing the functions of a nominee holder for unfulfilled obligations of this person performing the functions of a nominee holder, money in bank accounts for the implementation of clearing activities for transactions with financial instruments, money in bank accounts under an agreement on an 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 creditors, money in the bank accounts of the borrower - a citizen of the Republic of Kazakhstan, in respect of whom a case has been initiated on the application of the procedure for restoring solvency, extrajudicial or judicial bankruptcy in the manner prescribed by the Law of the Republic of Kazakhstan "On Restoring 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.

Collection of debt of a borrower - an individual under a bank loan agreement by presenting a payment demand is limited within fifty percent of the amount of money in his bank account, and (or) from each amount of money subsequently received into the bank account of the borrower from a legal entity or individual entrepreneur, and is carried out without waiting for the receipt of the entire amount necessary for the full execution of the payment demand into the bank account.

The amount of money saved in the current account or in total in the current accounts of an individual or individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship, opened in one bank, when executing the payment demand must be no less than twice the subsistence minimum established for the relevant financial year by the law on the republican budget.

The specified restriction does not apply to money in the savings account of the borrower - an individual or individual entrepreneur, if the individual is registered as an individual entrepreneur carrying out activities in the form of personal entrepreneurship.

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.

The bank (organization carrying out certain types of banking operations) on the day of transfer of the debt for pre-trial collection and debt settlement shall notify the borrower thereof in the manner stipulated by the bank loan agreement, as well as through information technology objects, indicating the name, location of the collection agency, and telephone numbers of the collection agency for contacts with debtors.

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, in compliance with the requirements established in Article 36-1 of this Law, the rights (claims) under the bank loan agreement if the borrower is in default on the fulfillment of the monetary obligation:

under a mortgage loan of an individual - over one hundred eighty consecutive calendar days;

under other bank loan agreements of an individual - over ninety consecutive calendar days.

The assignment of rights (claims) under a bank loan agreement of an individual not related to the entrepreneurial activity to a collection agency is permitted after twenty-four months from the date of occurrence of overdue debt and during the debt settlement procedures provided for in paragraph 3 of Article 34 of this Law and (or) paragraph 1-1 of this Article and ensuring mutually acceptable conditions for the parties under which the borrower can repay the loan debt. Complete cancellation of accrued and unpaid penalties (fines, fees), commissions and other payments related to servicing of a bank loan is mandatory.

The provisions of this subparagraph shall not apply to cases of application of the procedure for restoration of solvency, extrajudicial or judicial bankruptcy in relation to the borrower - a citizen of the Republic of Kazakhstan 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";

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 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication).

5. The bank (organization carrying out certain types of banking operations) is prohibited from receiving from third parties the services for pre-trial collection and settlement of debt, as well as collection of information related to debt, except for cases when such services are provided to the bank (organization carrying out certain types of banking operations) by a collection agency and (or) service company.

Footnote. Article 36 is in the wording of the Law of the Republic of Kazakhstan dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); as amended by the laws of the Republic of Kazakhstan dated 26.07.2016 № 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 06.05.2017 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 04.07.2018 № 171-VI (shall be enforced upon expiry of ten calendar days after the date of its first official publication); dated 21.01.2019 № 217-VI (for the procedure of enactment see art. 3); dated 03.07.2019 № 262-VI (the order of enforcement see Art. 2 ); dated December 26, 2019 № 284-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 26.06.2020 № 349-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 03.07.2020 № 359-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 30.12.2020 № 397-VI (shall come into force upon expiration of six calendar months after the date of its first official publication); dated 02.01.2021 № 399-VI (shall come into force from 01.01.2021); dated 24.05.2021 № 43-VII (effective from 01.10.2021); dated 31.12.2021 № 100 (shall be enforced upon expiration of ten calendar days after the day of its first official publication); dated 04.07.2022 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 № 177-VII (shall be enforced ten calendar days after the date of its first official publication); dated 30.12.2022 № 179-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 20.04.2023 № 226-VII (shall be enforced from 01.07.2023); dated 16.11.2023 № 40-VIII (shall be enforced from 01.01.2024); dated 16.05.2024 № 82-VIII (comes into force ten calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (for the procedure for entry into force, see Art. 2).

Article 36-1. Procedure for assignment of rights (claims) under a bank loan agreement

Footnote. The title of Article 36-1 as amended by the Law of the Republic of Kazakhstan dated 19.06.2024 № 97-VIII (enters into force sixty calendar days after the date of its first official publication).
1. Excluded by the Law of the Republic of Kazakhstan dated 19.06.2024 № 97-VIII (enters into force sixty calendar days after the date of its first official publication).
2. Is excluded by the Law of the Republic of Kazakhstan dated 02.07.2018 № 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 № 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;

to another person - in relation to the rights (claims) under a bank loan agreement of an individual related to the entrepreneurial activities, under a bank loan agreement of a legal entity if there are signs of impairment for the specified loans on the date of assignment in accordance with international financial reporting standards.

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 do not apply to in the following cases:

1) assignment by the bank of rights (claims) to the National Bank of the Republic of Kazakhstan in order to fulfill obligations under the loan of last resort;

2) transfer of rights (claims) to the Export Credit Agency of Kazakhstan in the order of subrogation in connection with the implementation of insurance payments under voluntary insurance contracts in accordance with the legislation of the Republic of Kazakhstan.

4-1.The assignment of rights (claims) under a bank loan agreement, for which, as of the date of assignment, there are signs of impairment in accordance with international financial reporting standards, shall be carried out by a bank or an organization carrying out certain types of banking operations, subject to the following conditions:

1) the person in whose favor the rights (claims) under the bank loan agreement are assigned shall be determined based on the results of trading in relation to these rights (claims) conducted by the bank or an organization carrying out certain types of banking operations on an electronic trading platform for the sale of banking and microfinance assets, with the exception of:

the persons specified in paragraphs seven, eight and (or) nine of part one of subparagraph 4 of this article;

the assignment of rights (claims) carried out within the framework of the activities provided for in Articles 61-10, 61-11 and 61-12 of this Law;

2) the assignment of rights (claims) under the bank loan agreement shall be carried out in compliance with the restrictions and rules established in subparagraph 4 of this article.

The requirements established by part one of this paragraph shall apply to subsidiaries of banks acquiring doubtful and hopeless assets of the parent bank.

Note!
The effect of paragraph 4-2 is suspended until 01.05.2026 by the Law of the Republic of Kazakhstan dated 19.06.2024 № 97-VIII and during the period of suspension this paragraph shall be effective as follows.

4-2. A bank or an organization that carries out certain types of banking operations is prohibited from assigning rights (claims) under a bank loan agreement of an individual not associated with the entrepreneurial activity to a collection agency.

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 concluding an assignment agreement, notify the borrower - an individual under a bank loan agreement not related to the entrepreneurial activity, of the planned assignment of the rights (claims) of the creditor under the said bank loan agreement to a third party, as well as of the processing (transfer) of the borrower's personal data in connection with such assignment in the manner stipulated by the bank loan agreement, as well as through information technology objects;

2) notify the borrower (or his authorized representative) of the completed transfer of rights (claims) under the bank loan agreement to a third party in the manner stipulated by the bank loan agreement, as well as through information technology objects 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 have been assigned, or in the case of transfer of rights (claims) under the bank loan agreement to trust management - to the service company), the volume of transferred rights (claims) under the bank loan agreement, the amount and structure of the debt under the bank loan agreement (principal debt, remuneration, commissions, penalties (fines, fees) and other amounts payable;

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, a copy of the 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 № 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 № 168-VI (the order of enforcement see Article 2); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 13.05.2020 № 325-VІ (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 04.07.2022 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 23.01.2024 № 54-VIII (shall be enforced upon expiration of sixty calendar days after the day of its first official publication); dated 19.06.2024 № 97-VIII (for the procedure for entry into force, see Article 2).

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 № 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 № 154; dated 16.07.1999 № 436; dated 24.11.2015 № 419-V (shall be enforced from 01.01.2016); dated 25.12.2017 № 122-VI (shall be enforced from 01.01.2019); dated 02.04.2019 № 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 size of the annual effective interest rate on loans must not exceed the maximum amount determined by a joint regulatory legal act of the authorized body and the National Bank of the Republic of Kazakhstan.

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 № 422-V (the procedure for enforcement see Article 2); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 21.01.2019 № 217-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 19.06.2024 № 97-VIII (comes into effect sixty calendar days after the date of its first official publication).

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 № 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 № 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, procedure for election and early termination of his powers. Council of representatives of the banking ombudsman, his competence

1. A banking ombudsman is an individual independent in his activities, who settles disagreements arising from a bank loan agreement concluded by an individual with a bank, an organization carrying out certain types of banking operations, at his request, in order to reach an agreement on satisfying the rights and legally protected interests of the individual and a bank, an organization carrying out certain types of banking operations, as well as in the cases stipulated by paragraph 2 of this article.

The banking ombudsman is guided in his activities by the following principles:

1) equality of the parties;

2) impartiality;

3) observance of banking and other secrets protected by law;

4) observance of the rights and respect for the legally protected interests of the parties;

5) transparency of the decision-making procedure and validity of the decision.

2. The banking ombudsman shall settle disputes arising between a borrower who is an individual and a person to whom the right (claim) under a bank loan agreement concluded with such borrower has been assigned, based on the borrower's application.

A person to whom the right (claim) under a bank loan agreement has been assigned is obliged to interact with the banking ombudsman and provide any information and data related to the loan requested by the banking ombudsman, upon application by the borrower whose obligations under the bank loan agreement he has acquired.

3.The election of the banking ombudsman is carried out by the council of representatives from among the candidates agreed with the authorized body for compliance with the requirements established by paragraph 1 of Article 40-2 of this Law. The council of representatives is formed by one representative from:

1) each bank, organization carrying out certain types of banking operations, providing bank loans to individuals;

2) an association (union) of public associations of consumers and (or) a republican public association of consumers registered with the justice authorities and carrying out activities aimed at implementing and protecting the rights of consumers of financial services, if any;

3) an association (union) of financial organizations registered with the justice authorities and carrying out activities aimed at representing and protecting the common interests of banks, organizations carrying out certain types of banking operations, collection agencies;

4) the authorized body and the National Bank of the Republic of Kazakhstan.

A bank or an organization that carries out certain types of banking operations must, within thirty calendar days from the date of receipt of a license for the right to carry out a banking loan operation, join the council of representatives of the banking ombudsman.

The associations (unions) specified in subparagraph 3) of part one of this paragraph, within thirty calendar days from the date of registration with the justice authorities, are required to join the council of representatives of the banking ombudsman.

4. The banking ombudsman shall be elected for a term of three years.

The procedure for the election, early termination and implementation of the activities of the banking ombudsman shall be determined by this Law and the regulatory legal act of the authorized body.

The same person may not be elected as the banking ombudsman more than two times in a row.

5. Competence of the council of representatives:

1) recommendation of candidates for election to the position of banking ombudsman, determining the voting procedure;

2) approving the structure and staff (office of the banking ombudsman);

3) determining the procedure for financing the activities of the banking ombudsman;

4) approving the internal rules of the banking ombudsman in agreement with the authorized body;

5) providing recommendations to the banking ombudsman on improving its activities based on the results of the analysis of complaints from borrowers - individuals regarding the actions (inaction) of the banking ombudsman, conducted by the authorized body, and review of the reports of the banking ombudsman;

6) reviewing a petition from a member (members) of the council of representatives for early termination of the powers of the banking ombudsman on the grounds provided for in paragraph 7 of this article;

7) approving the procedure for recording, reviewing, adopting and executing decisions of the banking ombudsman in agreement with the authorized body;

8) other issues related to the implementation of the activities of the banking ombudsman, in accordance with this Law.

6. A meeting of the council of representatives shall be deemed competent, and the quorum conditions shall be met, if the members of the council of representatives present at it have in aggregate fifty or more percent of the total number of votes.

The banking ombudsman shall be elected by a majority of votes of the members of the council of representatives present at the meeting of the council. Each member of the council of representatives shall have one vote during voting. In the event of a tie, the vote of the representative of the authorized body shall be decisive.

Voting on the issue of electing a banking ombudsman shall be carried out by secret ballot. The ballot paper shall contain the following information:

1) the last name, first name, patronymic (if indicated in the identity document) of the candidate recommended for election to the position of banking ombudsman;

2) information confirming the candidate's compliance with the requirements established by paragraph 1 of Article 40-2 of this Law;

3) information on the candidate's position held in banks, organizations carrying out certain types of banking operations, and (or) collection agencies, the authorized body, the National Bank of the Republic of Kazakhstan, on the presence of signs of affiliation with banks, organizations carrying out certain types of banking operations, and (or) collection agencies, on close relatives, spouse and (or) in-laws working in the position of the head of the authorized body, the National Bank of the Republic of Kazakhstan or their deputies, as well as the head of a structural division of the authorized body, the National Bank of the Republic of Kazakhstan;

4) voting options on the issue, expressed in the words “for” or “against”.

7. Early termination of the powers of the banking ombudsman is carried out by the council of representatives of the banking ombudsman on the following grounds:

1) identification of non-compliance of the banking ombudsman with the requirements established by paragraph 1 of Article 40-2 of this Law;

2) holding any position in a bank, an organization carrying out certain types of banking operations, and (or) a collection agency, an authorized body, the National Bank of the Republic of Kazakhstan, the presence of signs of affiliation of the banking ombudsman with banks, organizations carrying out certain types of banking operations, and (or) collection agencies, holding by close relatives, spouse and (or) in-laws of the banking ombudsman the position of the head of the authorized body, the National Bank of the Republic of Kazakhstan or their deputies, as well as the head of a structural division of the authorized body, the National Bank of the Republic of Kazakhstan;

3) repeated (three or more times within twelve consecutive calendar months) violation of the requirements of this Law and the internal rules of the banking ombudsman.

Early termination of powers of the banking ombudsman on his initiative is carried out on the basis of a written notice to the council of representatives.

A written notice is submitted to the council of representatives at least one month before the termination of powers in the manner established by the internal rules of the banking ombudsman.

Footnote. Chapter 2 is supplemented by Article 40-1 in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 № 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 19.06.2024 № 97-VIII (comes into force six months after the date of its first official publication).

Article 40-2. Requirements for the banking ombudsman

1. A person who cannot be recommended for election as a banking ombudsman:

1) who does not have a higher economic and (or) legal education;

2) who does not have an impeccable business reputation;

3) who has less than five years of experience in the provision of financial services and (or) regulation of financial services;

4) who previously held executive positions in a financial institution for a period of no more than one year prior to the authorized body’s decision to classify the bank as an insolvent bank, to forcibly redeem the bank’s shares, to revoke the license of the financial institution, as well as to forcibly liquidate the financial institution or declare it bankrupt in accordance with the procedure established by the legislation of the Republic of Kazakhstan. This requirement shall apply for three years after the authorized body’s decision to classify the bank as an insolvent bank, to forcibly redeem the bank’s shares, to revoke the license of the financial institution, as well as to forcibly liquidate the financial institution or declare it bankrupt;

5) recognized by the court in the manner established by the law of the Republic of Kazakhstan as incapacitated or partially incapacitated;

6) under dynamic observation with mental behavioral disorders (diseases), including those caused by the use of psychoactive substances, in mental health service organizations.

2. The banking ombudsman shall not have the right to hold any position in a bank, an organization carrying out certain types of banking operations, and (or) a collection agency, an authorized body, the National Bank of the Republic of Kazakhstan, to be an affiliate of banks, organizations carrying out certain types of banking operations, and (or) collection agencies, to have close relatives, a spouse and (or) relatives-in-law working as the head of the authorized body, the National Bank of the Republic of Kazakhstan or their deputies, as well as the head of a structural division of the authorized body, the National Bank of the Republic of Kazakhstan.

Footnote. Chapter 2 is supplemented by Article 40-2, in accordance with the Law of the Republic of Kazakhstan dated 10.02.2011 № 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 19.06.2024 № 97-VIII (enters into force six months after the date of its first official publication).

Article 40-3. Procedure for making decisions by the banking ombudsman

1. The decision is made by the banking ombudsman alone and is communicated in writing to the parties involved in the dispute.

When making decisions, the banking ombudsman is guided by the legislation of the Republic of Kazakhstan and the terms of the concluded agreements.

2. The banking ombudsman shall not consider appeals:

1) accepted for consideration by the court and (or) for which there is a judicial act that has entered into legal force;

2) for which the applicant has not submitted written evidence of his appeal to the bank, organization carrying out certain types of banking operations, the person to whom the right (claim) under the bank loan agreement has been assigned, in order to resolve the situation that has arisen within the framework of the bank loan agreement;

3) sent again in the absence of new circumstances of the case.

3. The decision of the banking ombudsman is binding on the bank, organization carrying out certain types of banking operations, the person to whom the right (claim) under the bank loan agreement concluded with the borrower - an individual has been assigned, if accepted by the individual.

Consideration of appeals of individuals and decision-making in cases stipulated by paragraphs 1 and 2 of Article 40-1 of this Law shall be carried out by the banking ombudsman free of charge.

The results of the review of the appeal are recorded in a protocol signed by the banking ombudsman, with it being communicated to the individual and the bank, the organization carrying out certain types of banking operations, the person to whom the right (claim) under the bank loan agreement concluded with the borrower has been assigned.

The protocol must contain:

1) the date and place of its signing;

2) the last name, first name, patronymic (if indicated in the identity document) of the banking ombudsman;

3) the last name, first name, patronymic (if indicated in the identity document), contact telephone number of the applicant - an individual, the name of the bank, organization carrying out certain types of banking operations, the person to whom the right (claim) under the bank loan agreement concluded with the borrower - an individual has been assigned, their addresses and details;

4) the subject of the dispute or the stated claim of the individual;

5) the circumstances of the case established by the banking ombudsman;

6) the decision of the banking ombudsman on full or partial satisfaction or refusal to satisfy the application of the applicant - an individual;

7) the period for executing the decision of the banking ombudsman;

8) the period for informing the bank, the organization carrying out certain types of banking operations, the person to whom the right (claim) under the bank loan agreement concluded with the borrower - an individual has been assigned, about the results of the execution of the decision.

4. In response to requests from borrowers - individuals concerning changes in the terms of fulfillment of obligations under bank loan agreements, the banking ombudsman assists the parties in reaching a mutually acceptable solution and making an agreed upon decision by the parties to change the terms of fulfillment of obligations under the bank loan agreement.

In case of disagreement with the decision of the banking ombudsman, the interested party has the right to go to court.

In the event of failure by a bank, an organization carrying out certain types of banking operations, or a person to whom the right (claim) under a bank loan agreement concluded with the borrower has been assigned, to comply with the decision of the banking ombudsman within the time limit established by it, the banking ombudsman is obliged to inform the authorized body thereof no later than five working days.

The period for execution by a bank, an organization carrying out certain types of banking operations, or a person to whom the right (claim) under a bank loan agreement concluded with the borrower has been assigned, of the decision of the banking ombudsman is thirty calendar days, unless another period is established by agreement of the parties.

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 19.06.2024 № 97-VIII (comes into effect six months after the date of its first official publication).

Article 40-4. Activities of the banking ombudsman

1. The activities of the banking ombudsman, including the procedure and timeframes for considering applications for dispute resolution and decision-making, are carried out on the basis of the internal rules of the banking ombudsman.

2. In order to properly perform the assigned functions, the activities of the banking ombudsman are financed by mandatory contributions from banks, organizations carrying out certain types of banking operations, collection agencies to which the right (claim) under the bank loan agreement concluded with the borrower has been assigned.

In the event of non-payment, late payment or partial payment of mandatory contributions, the banking ombudsman, within seven working days from the date of sending the notice of payment of mandatory contributions, shall inform the authorized body of the improper performance by the bank, organization carrying out certain types of banking operations, collection agency to which the right (claim) under the bank loan agreement concluded with the borrower has been assigned, of its obligations stipulated by this paragraph.

The bank, organization carrying out certain types of banking operations, collection agency to which the right (claim) under the bank loan agreement concluded with the borrower has been assigned, are obliged to pay mandatory contributions to the office of the banking ombudsman within the timeframes and in the manner determined by the internal rules of the banking ombudsman.

3. The banking ombudsman, in agreement with the council of representatives, forms an office with an organizational structure and staff.

4. The internal rules of the banking ombudsman must determine:

1) the structure, tasks and powers of the audit commission and other permanent bodies (if any);

2) the rights, duties and responsibilities of the banking ombudsman;

3) the procedure for resolving disputes;

4) other issues related to the implementation of the activities of the banking ombudsman.

5. The banking ombudsman is obliged to maintain confidentiality with respect to information obtained during the resolution of disputes and not to disclose it to third parties.

The banking ombudsman shall bear responsibility established by the laws of the Republic of Kazakhstan for the disclosure of information obtained during the implementation of his activities.

In the event of failure by the banking ombudsman to comply with the requirements stipulated by paragraph 1 of this article and this paragraph, the council of representatives shall terminate his powers early.

6. The following information is posted on the Internet resource of the banking ombudsman:

1) full name, address (location), telephone numbers, office hours, including divisions and representative offices;

2) information on the election of the banking ombudsman;

3) a list of financial organizations, associations (unions) included in the council of representatives of the banking ombudsman;

4) information on the types of services provided by the banking ombudsman;

5) the procedure for recording, reviewing, adopting and executing decisions of the banking ombudsman;

6) monthly information on the results of the work of the banking ombudsman;

7) annual reports on the results of the activities of the banking ombudsman;

8) a section for consumers of financial services with the publication of informational and explanatory materials and materials of judicial practice;

9) a list of agreements and memoranda concluded with financial market participants;

10) other information in accordance with the internal rules of the banking ombudsman.

7. In the event of a change in location, the banking ombudsman is obliged to notify consumers of financial services by publishing an announcement in two periodicals distributed throughout the territory of the Republic of Kazakhstan, in Kazakh and Russian languages no later than one month and on the Internet resource of the banking ombudsman within ten working days.

8. The banking ombudsman, by decision of the council of representatives, must ensure:

1) the use of specialized software for the automation of accounting and processing of consumer requests;

2) the introduction of a call center or hotline in the office of the banking ombudsman to provide consulting services to borrowers - individuals;

3) prompt receipt of the credit record of the borrower - an individual in the information base of the credit bureau on the basis of an agreement.

Based on the results of the analysis of requests from borrowers - individuals, the banking ombudsman has the right to send recommendations to the authorized body on improving the banking legislation of the Republic of Kazakhstan, as well as the activities of banks, organizations carrying out certain types of banking operations, collection agencies.

9. The authorized body:

1) coordinates internal rules, the procedure for recording, reviewing, adopting and executing decisions of the banking ombudsman;

2) considers complaints from borrowers - individuals regarding the actions (inaction) of the banking ombudsman;

3) sends recommendations to the council of representatives on the activities of the banking ombudsman in cases where violations of the rights of consumers of financial services are detected in the actions (inaction) of the banking ombudsman;

4) performs other functions related to the activities of the banking ombudsman, in accordance with this Law.

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); as amended by the Law of the Republic of Kazakhstan dated 19.06.2024 № 97-VIII (comes into force six months after the date of 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 № 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 № 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;

borrower's debt burden ratio;

borrower's debt-to-income ratio.

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 № 422-V (shall come into force from 16.12.2020); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (comes into effect sixty 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 № 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 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 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 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the of its first official publication); dated 02.01.2021 № 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;

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.

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 № 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 № 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 № 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 № 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 № 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 № 168-VI (shall be enforced from 01.01.2019); as amended by the Law of the Republic of Kazakhstan dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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 № 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 № 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 № 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 № 168-VI(shall be enforced from 01.01.2019); as amended by the laws of the Republic of Kazakhstan dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 25.11.2019 № 272-VI (shall be enforced from 02.01.2020); dated 26.06.2020 № 349-VI(shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 № 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 № 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 of a legal entity operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, a legal entity 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 for collection of banknotes, coins and valuables, to carry out activities in accordance with the issued license and (or) appendix thereto for twelve consecutive calendar months;

13) non-compliance of a legal entity operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, a legal entity 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 for collection of banknotes, coins and valuables, with the qualification requirements imposed on the activity of carrying out exchange operations with foreign currency in cash exclusively through exchange offices and the collection of banknotes, coins and valuables;

13-1) obstruction by a legal entity operating exclusively through exchange offices on the basis of a license from the National Bank of the Republic of Kazakhstan for exchange operations with foreign currency in cash, by a legal entity 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 for the collection of banknotes, coins and valuables, in the implementation of control and supervision by the National Bank of the Republic of Kazakhstan;

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 № 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 № 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 № 203-V (shall be enforced upon expiry of six months 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 27.04.2015 № 311-V (shall be enforced from 01.09.2014); dated 24.11.2015 № 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 № 168-VI (see Article 2 for enforcement); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 06.04.2024 № 71-VIII (comes into effect sixty 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 № 248-V (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 (the order of enforcement see Art. 2); dated 02.04.2019 № 241-VI (shall be enforced from 01.07.2019); dated 03.07.2019 № 262-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 29.06.2020 № 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 № 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 № 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;

1-10) submission by banks to the state revenue authority of information on the existence of bank accounts and their numbers, balances and movement of funds in the accounts of a legal entity whose activities include the organization and conduct of gambling and (or) betting, in relation to which a desk audit is carried out;

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 № 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 on a loan (credit) to a collection agency under an agreement, the subject of which is the provision of services for pre-trial collection and settlement of debt, as well as the collection of information related to debt, concluded with this collection agency, or a service company under an agreement on trust management of rights (claims) in accordance with Article 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 № 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 № 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”;

17) exchange of data on payment transactions with signs of fraud between the center for the exchange of data on payment transactions with signs of fraud, financial organizations, payment organizations, mobile operators, criminal prosecution agencies, the National Bank of the Republic of Kazakhstan, and an authorized body.

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. If the owner of a bank account is an individual, certificates of the existence and numbers of bank accounts of this individual are issued to the bank for his existing accounts, including those related to entrepreneurial activity.

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 № 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;

f) to the territorial body of justice on the basis of a resolution generated in the state automated information system of enforcement proceedings, within the framework of simplified proceedings provided for by the Law of the Republic of Kazakhstan "On Enforcement Proceedings and the Status of Bailiffs" and certified by an electronic digital signature of the head of the territorial body of justice or his deputy.

g) to state revenue authorities for the purpose of implementing a desk audit in relation to a legal entity whose activities include organizing and conducting gambling and (or) betting.

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 № 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;

h-1) to the territorial body of justice on the basis of a resolution generated in the state automated information system of enforcement proceedings, within the framework of simplified proceedings provided for by the Law of the Republic of Kazakhstan "On Enforcement Proceedings and the Status of Bailiffs" and certified by an electronic digital signature of the head of the territorial body of justice or his deputy, only in terms of information on the availability of bank accounts of an individual - the debtor and their numbers, the availability of money in these accounts within the amount to be collected, and in case of insufficient money - also on the movement of money in these accounts from the moment of initiation of simplified proceedings and the 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 № 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 № 225-IV (the order of enforcement see article 2); dated 29.09.2014 № 239-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 07.11.2014 № 248-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 28.11.2014 № 257 (the order of enforcement see PP. 12). V. 10); as of 29.12.2014 № 269-V (shall be enforced from 01.01.2015); from 27.04.2015 № 311-V (the order of introduction in action see Art. 2); from 02.08.2015 № 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 № 26-VI (effective from 01.01.2017); from 28.12.2016 № 36-VI (effective two months after the date of its first official publication); from 06.05.2017 № 63-VI (effective twenty-one calendar days after the date of its first official publication); from 25.12.2017 № 122-VI (effective from 01.01.2018); from 26.12.2017 № 124-VI (effective from 01.01.2018); from 28.12.2017 № 128-VI (effective upon expiry of ten calendar days after the date of its first official publication); from 24.05.2018 № 156-VI (effective upon expiry of ten calendar days after the date of its first official publication); from 02.07.2018 № 168-VI (procedure for 21.01.2019 № 217-VI (effective three months after its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 18.11.2015 № 412-V (shall come into force from 01.01.2021); dated 25.06.2020 № 347-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 03.07.2020 № 359-VI (shall come into force from 01.01.2021); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 31.12.2021 № 100 (see Article 2 for the entry into force); dated 04.07.2022 № 133-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 14.07.2022 № 141-VII (shall be enforced upon expiry of ten calendar days after its first official publication); dated 30.12.2022 № 179-VII (shall be enforced upon expiry of sixty calendar days after the day of its first official publication); dated 12.07.2023 № 23-VIII (for the procedure of enforcement see Art. 2); dated 06.04.2024 № 71-VIII (comes into effect sixty calendar days after the date of its first official publication); dated 21.05.2024 № 86-VIII (enters into force sixty calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (enters into force sixty calendar days after the date of its first official publication); dated 08.07.2024 № 116-VIII (enters into force sixty calendar days after the date of its first official publication).

Article 51. Seizure and foreclosure on the money and property, kept in the bank

1. The money and other property of an individual or legal entity located in bank accounts may be seized by courts on the basis of judicial acts and by bailiffs on the basis of decisions of bailiffs authorized by the prosecutor. A temporary restriction on the disposal of property, restrictions on transactions and other operations with property may be imposed on the money and other property of an individual or legal entity located in bank accounts on the grounds and in the manner prescribed by the criminal procedure legislation of the Republic of Kazakhstan, as well as on the basis of decisions of territorial justice bodies received through the state automated information system of enforcement proceedings. 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";

12) on money located in bank accounts intended for the transfer of financial assistance provided in accordance with subparagraph 1) of paragraph 4 of Article 112 of the Social Code 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.

When an arrest is imposed to ensure the execution of an enforcement document on the basis of a decision of a territorial justice body within the framework of simplified proceedings obtained through the state automated information system of enforcement proceedings, the amount of money and the value of the property on which the arrest is imposed must not exceed the amount specified in the enforcement document.

The decision of the territorial justice body within the framework of simplified proceedings, received through the state automated information system of enforcement proceedings, is not subject to sanction by the prosecutor.

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 funds of individuals and legal entities, courts, inquiry and preliminary investigation bodies, bailiffs, territorial justice bodies send documents in accordance with the requirements of the legislation of the Republic of Kazakhstan to 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 № 12-VI (shall be enforced upon expiry of thirty calendar days after its first official publication); dated 30.06.2017 № 80-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 12.12.2017 № 114-VI (shall be enforced from 01.01.2018); dated 04.07.2018 № 171-VI (shall be enforced upon expiry of ten calendar days after its first official publication); dated 21.01.2019 № 217-VI (shall be enforced upon expiry of three months from the dated of its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated December 26, 2019 № 284-VІ (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 26.06.2020 № 349-VI(shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 02.01.2021 № 399-VI (for the procedure of enactment see ст.2); dated 15.11.2021 № 72-VII (shall come into force from 01.01.2022); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 30.12.2022 № 177-VII (shall be enforced ten calendar days after the date of its first official publication); dated 30.12.2022 № 179-VII (shall be enforced sixty calendar days after the date of its first official publication); dated 19.04.2023 № 223-VII (shall be enforced from 01.01.2024); dated 16.11.2023 № 40-VIII (shall be enforced from 01.01.2024); dated 16.05.2024 № 82-VIII (comes into force ten calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (comes into force sixty calendar days after the date of its first official publication).

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 № 311-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 02.01.2021 № 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 № 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 № 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 № 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 № 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 № 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 № 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 № 168-VI (shall be enforced from 01.01.2019); dated November 25, 2019 № 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 № 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 № 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 № 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 № 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 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 № 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 № 412-V (shall come into force from 01.01.2021); dated 02.07.2018 № 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 № 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 № 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 № 168-VI (introduction into force see Article 2); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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 № 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 № 125-V (shall be enforced upon expiry of ten calendar days after its first official publication); dated 08.04.2016 № 489-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).

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;

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.

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 № 179-V (shall be enforced from the date of its first official publication); dated 24.11.2015 № 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 № 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 № 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 № 311-V (shall be enforced from 01.09.2014); 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 (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 № 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 № 311-V (shall be enforced from 01.01.2015); as amended by the laws 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); dated 25.12.2017 № 122-VI (shall be enforced from 01.01.2018); dated 02.07.2018 № 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 № 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 № 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 № 311-V (shall be enforced from 01.01.2015); as amended by the Law of the Republic of Kazakhstan dated 27.02.2017 № 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 № 422-V(shall be enforced from 01.01.2016); as amended by the Law of the Republic of Kazakhstan dated 28.12.2017 № 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 № 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 № 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 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 № 262-VI (shall be enforced from 01.01.2020); dated 02.01.2021 № 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 № 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 № 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 № 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 № 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 № 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 № 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 № 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 № 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 № 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 № 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 is carried out in compliance with the conditions stipulated by part two 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 № 241-VІ (shall be enforced from 01.07.2019); dated November 25, 2019 № 272-VI (shall be enforced upon expiry of ten calendar days after the day of its first official publication); dated 02.01.2021 № 399-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 19.06.2024 № 97-VIII (comes into effect ten calendar days after the day 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 02.04.2019 № 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 № 406-V (shall be enforced from 01.07.2017); dated 12.07.2022 № 138-VII (shall be enforced upon expiry of sixty calendar days after its first official publication); dated 19.04.2023 № 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 № 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 № 403-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 02.07.2018 № 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 06.05.2020 № 323-VI (shall come into force upon expiration of ten calendar days after the date of its first official publication); dated 27.06.2022 № 129-VII (effective after ten calendar days after the date of its first official publication); dated 12.07.2022 № 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 № 422-V (shall be enforced from 01.01.2016); dated 02.07.2018 № 168-VI (shall be enforced 01.01.2019); dated 29.06.2020 № 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 № 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 № 168-VI (shall be enforced upon expiry of ten calendar days from the date of its first official publication); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020): dated 24.11.2015 № 422-V (shall come into force from 16.12.2020); dated 02.01.2021 № 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 № 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 № 168-VI (shall be enforced from 01.01.2019); dated 03.07.2019 № 262-VI (shall be enforced from 01.01.2020); dated 29.06.2020 № 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

Қазақстан Республикасындағы банктер және банк қызметі туралы

Қазақстан Республикасының 1995 жылғы 31 тамыздағы N 2444 Заңы.

МАЗМҰНЫ

Ескерту. Тақырыбы өзгердi, кіріспе алып тасталды, мәтін бойынша "Жарлыққа", "Жарлығымен", "Жарлықпен", "Жарлықта", "Жарлықтың", "Жарлық" деген сөздер тиісінше "Заңға", "Заңымен", "Заңмен", "Заңда", "Заңның", "Заң" деген сөздермен ауыстырылды - ҚР 2001.03.02 № 162, Бүкіл мәтiн бойынша "(мүдде)" деген сөз алынып тасталды - 2005.07.08 № 69 Заңдарымен.
Ескерту. Бүкіл мәтін бойынша "ставкаларды", "ставкасының", "ставкалар", "Ставкалар", "ставкалары", "ставкасын", "ставкасы", "ставкасына", "ставканың", "ставкаларын" деген сөздер тиісінше "мөлшерлемелерді", "мөлшерлемесінің", "мөлшерлемелер", "Мөлшерлемелер", "мөлшерлемелері", "мөлшерлемесін", "мөлшерлемесі", "мөлшерлемесіне", "мөлшерлеменің", "мөлшерлемелерін" деген сөздермен, "процентінен", "процентін", "процентімен", "процент", "проценттен", "проценті", "проценттік", "процентсіз" деген сөздер тиісінше "пайызынан", "пайызын", "пайызымен", "пайыз", "пайыздан", "пайызы", "пайыздық", "пайызсыз" деген сөздермен, "аффилиирленген", "аффилиирленгені", "аффилиирлендірілген" деген сөздер тиісінше "үлестес", "үлестестігі", "үлестес" деген сөздермен ауыстырылды - ҚР 28.11.2014 № 257-V Заңымен (қолданысқа енгізілу тәртібін 10-баптың 12) тармақшасынан қараңыз).

I Бөлiм
Банкiлердi құрудың және олардың қызметiнiң негiздемесi мен шарттары

1-тарау. Жалпы ережелер

1-бап. Банк, оның мәртебесi және тұрған жерi

1. Банк - осы Заңға сәйкес банк қызметiн жүзеге асыруға құқылы коммерциялық ұйым болып табылатын заңды тұлға.

2. Банктiң ресми мәртебесi заңды тұлғаны "Азаматтарға арналған үкімет" мемлекеттік корпорациясында (бұдан әрі – Корпорация) банк ретiнде мемлекеттiк тiркеумен (қайта тіркеумен) және банк операцияларын жүргiзуге қаржы нарығы мен қаржы ұйымдарын реттеу, бақылау және қадағалау жөніндегі уәкілетті орган (бұдан әрі – уәкілетті орган) лицензиясының болуымен айқындалады.

3. Банкiнiң ресми мәртебесi жоқ бiрде-бiр заңды тұлға "банк" деп атала алмайды немесе өзiн банк қызметiмен айналысушы ретiнде сипаттай алмайды.

4. Банк басқармасы тұрған жер (почта бойынша мекен-жайы) банк тұрған жер деп танылады.

Ескерту. 1-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 1999.07.16 № 436, 2001.03.02 № 162, 2003.07.10 № 483 (01.04.2004 бастап қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

2-бап. Осы Заңда пайдаланылатын негізгі ұғымдар

Осы Заңда мынадай негізгі ұғымдар пайдаланылады:

1) бақылау - мынадай шарттардың бірі:

бір тұлға заңды тұлғаның жарғылық капиталына қатысу үлестерінің не орналастырылған акцияларының (артықшылықты және қоғам сатып алған акцияларды шегере отырып) елу пайызынан астамына дербес не бір немесе бірнеше тұлғамен бірлесіп тікелей немесе жанама иеленген не оның заңды тұлға акцияларының елу пайызынан астамымен дербес дауыс беру мүмкіндігі болған;

бір тұлғаның заңды тұлғаның басқару органы немесе атқарушы органы құрамының кемінде жартысын дербес сайлау мүмкіндігі болған;

Қазақстан Республикасының жобалық қаржыландыру және секьюритилендіру туралы заңнамасына сәйкес құрылған арнайы қаржы компаниясының қаржылық есептілігін қоспағанда, заңды тұлғаның қаржылық есептілігін аудиторлық есепке сәйкес басқа заңды тұлғаның қаржылық есептілігіне қосқан;

заңды тұлғаның шартқа (растайтын құжаттарға) сәйкес немесе уәкілетті органның нормативтік құқықтық актісінде көзделген жағдайларда өзгедей түрде шешімдерін бір тұлғаның дербес не бір немесе бірнеше тұлғамен бірлесіп айқындау мүмкіндігі болған кезде туындайтын заңды тұлғаның шешімдерін айқындау мүмкіндігі;

1-1) банк және микроқаржы активтері сатылатын электрондық сауда алаңы – сауда-саттық өткізу үшін қатысушыларға инфрақұрылымды қамтамасыз ететін, "Қаржы нарығы мен қаржы ұйымдарын мемлекеттік реттеу, бақылау және қадағалау туралы" Қазақстан Республикасының Заңына сәйкес қолданылатын интернет-ресурс;

2) банк акцияларын жанама иелену (олармен дауыс беру) - банктің, банктің ірі қатысушысының, банк холдингінің немесе заңды тұлғалардың акцияларын (жарғылық капиталға қатысу үлестерін) иелену арқылы банктің бірлескен ірі қатысушысы, банк холдингі болып табылатын тұлғалардың шешімін айқындау мүмкіндігі;

2-1) банкаралық клиринг – төлемдерді жинау, салыстырып тексеру, сұрыптау және растау, сондай-ақ олардың өзара есепке жатқызуын жүргізу және клирингке қатысушылардың – банктердің және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың таза позицияларын айқындау;

3) банк конгломераты – банк холдингінен (бар болса) және банктен, сондай-ақ банк холдингінің еншілес ұйымдарынан және (немесе) банктің еншілес ұйымдарынан және (немесе) капиталына банк холдингі және (немесе) оның еншілес ұйымдары және (немесе) банк қомақты түрде қатысатын ұйымдардан тұратын заңды тұлғалар тобы;

Банк конгломератының құрамына ұлттық басқарушы холдинг, Қазақстан Республикасының резиденті емес – банк холдингі, сондай-ақ капиталына еншілес ұйымдар және Қазақстан Республикасының резиденті емес банк холдингі қомақты қатысатын, Қазақстан Республикасының резиденті еместер болып табылатын ұйымдар кірмейді.

3-1) банктің субординарлық борышы – осы Заңның 16-1-бабында көзделген шарттарға сәйкес келетін, банктің шығарылған облигациялар немесе алынған қарыз бойынша қамтамасыз етілмеген міндеттемесі;

3-2) банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ақпараттық жүйесі (бұдан әрі – ақпараттық жүйе) – банктік және өзге де қызметтер көрсетілетін, аппараттық-бағдарламалық кешенді қолдана отырып ақпаратты сақтауға, өңдеуге, іздеуге, таратуға, беруге және ұсынуға арналған жүйе;

4) банк холдингі – уәкілетті органның жазбаша келісіміне сәйкес банктің орналастырылған (артықшылықты және банк сатып алған акцияларды шегере отырып) акцияларының жиырма бес немесе одан астам пайызын тікелей немесе жанама иеленетін (осындай иеленуші мемлекет немесе ұлттық басқарушы холдинг, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым, Қазақстан Республикасы Ұлттық Банкінің еншілес ұйымдары болып табылатын жағдайларды, сондай-ақ осы Заңда көзделген жағдайларды қоспағанда) немесе:

банктің дауыс беретін акцияларының жиырма бес немесе одан астам пайызымен тікелей немесе жанама дауыс беруге;

шарттың күшіне қарай не өзгеше түрде банк қабылдайтын шешімдерді айқындауға немесе бақылау жасауға мүмкіндігі бар заңды тұлға;

5) банктің реттеуші меншікті капиталы (бұдан әрі - меншікті капитал) - банктің инвестициялары шегерілген капитал сомасы;

6) банктің ірі қатысушысы – уәкілетті органның жазбаша келісіміне сәйкес банктің орналастырылған (артықшылықты және банк сатып алған акцияларды шегере отырып) акцияларының он немесе одан астам пайызын тікелей немесе жанама иеленетін (осындай иеленуші мемлекет немесе ұлттық басқарушы холдинг, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым, Қазақстан Республикасы Ұлттық Банкінің еншілес ұйымдары болып табылатын жағдайларды, сондай-ақ осы Заңда көзделген жағдайларды қоспағанда) немесе:

банктің дауыс беретін акцияларының он немесе одан астам пайызымен тікелей немесе жанама дауыс беруге;

шарттың күшіне қарай не өзгеше түрде уәкілетті органның нормативтік құқықтық актісінде айқындалатын тәртіппен банк қабылдайтын шешімдерге ықпал ету мүмкіндігі бар жеке немесе заңды тұлға;

7) бас ұйым - басқа заңды тұлғаға бақылау жасайтын заңды тұлға;

8) депозит – бір тұлға (депозитор) басқа тұлғаға – банкке, оның ішінде Қазақстан Республикасының Ұлттық Банкіне және Ұлттық почта операторына олардың алғашқы талап ету бойынша немесе қандай да бір мерзімнен кейін алдын ала келісілген үстемесімен не онсыз толық немесе бөліп-бөліп тікелей депозиторға қайтарылуы не тапсыру бойынша үшінші тұлғаларға берілуі тиіс не тиіс емес екеніне қарамастан, оларды номиналды түрде (ислам банкіндегі инвестициялық депозитті қоспағанда) қайтару талабымен беретін ақша;

9) еншілес ұйым - басқа заңды тұлға тарапынан бақылау жасалатын заңды тұлға;

10) заңды тұлғаның жарғылық капиталға қатысу үлестерін жанама иелену не акцияларын иелену (олармен дауыс беру) - заңды тұлғаның, заңды тұлғаның ірі қатысушысының немесе басқа заңды тұлғалардың акцияларын (жарғылық капиталдағы қатысу үлестерін) иелену (олармен дауыс беру) арқылы бірлесіп заңды тұлғаның ірі қатысушысы болып табылатын тұлғалардың шешімдерін айқындау мүмкіндігі;

11) заңды тұлғаның ірі қатысушысы - заңды тұлғаның жарғылық капиталға қатысу үлестерінің немесе дауыс беретін акцияларының он немесе одан астам пайызын иеленетін (осындай иеленуші мемлекет немесе басқарушы холдинг болып табылатын жағдайларды қоспағанда) жеке немесе заңды тұлға;

12) капиталға қомақты қатысу - дауыс беретін акциялардың

(жарғылық капиталға қатысу үлестерінің) жиырма және одан астам

пайызын тікелей немесе жанама, дербес немесе бір не бірнеше тұлғамен бірлесіп иелену не акциялардың жиырма және одан астам пайызымен дауыс беру мүмкіндігінің болуы;

12-1) мамандандырылған салалық банк – қызметі Қазақстан Республикасының жеке заңнамалық актісімен реттелетін екінші деңгейдегі банк;

12-2) мерзімсіз қаржы құралы – банктің осы Заңның 16-2-бабында көзделген шарттарға сәйкес келетін, шығарылған облигациялар немесе алынған қарыз бойынша қамтамасыз етілмеген міндеттемесі;

13) мінсіз іскерлік бедел – кәсіпқойлықты, адалдықты растайтын фактілердің болуы, алынбаған немесе жойылмаған сотталғандығының болмауы, оның ішінде қаржы ұйымының, банк және (немесе) сақтандыру холдингінің басшы қызметкері лауазымын атқару және қаржы ұйымының ірі қатысушысы (ірі акционері) болу құқығынан өмір бойына айыру түрінде қылмыстық жаза қолдану туралы заңды күшіне енген сот шешімінің болмауы;

13-1) сервистік компания – осы Заңның 36-1-бабы 4-тармағының бірінші бөлігінде және (немесе) "Микроқаржылық қызмет туралы" Қазақстан Республикасы Заңының 9-1-бабы 5-тармағының бірінші бөлігінде аталған тұлғамен жасалған банктік қарыз шарттары және (немесе) микрокредит беру туралы шарттар бойынша құқықтарды (талаптарды) сенімгерлік басқару шарты (бұдан әрі – құқықтарды (талаптарды) сенімгерлік басқару шарты) шеңберінде банктік қарыз шарттары және (немесе) микрокредит беру туралы шарттар бойынша құқықтарды (талаптарды) сенімгерлік басқару бойынша, оның ішінде банктік қарыз шартының және (немесе) микрокредит беру туралы шарттың талаптарын өзгерту бойынша, өзімен құқықтарды (талаптарды) сенімгерлік басқару шарты жасалған тұлғаның мүдделерін сотта білдіру бойынша, борышкерден ақша және (немесе) өзге де мүлік қабылдау бойынша өкілеттіктерге және осы Заңда, Қазақстан Республикасының өзге де заңдарында және құқықтарды (талаптарды) сенімгерлік басқару шартында көзделген өзге де өкілеттіктерге ие болған, бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы, коллекторлық агенттік;

13-2) төлемге қабілетсіз банк – уәкілетті органның шешімімен осы Заңға сәйкес төлемге қабілетсіз банктер санатына жатқызылған банк;

14) тұрақтандыру банкі - консервациялау режиміндегі банктің активтері мен міндеттемелерін беру жөніндегі операцияны жүзеге асыру мақсаты үшін уәкілетті органның шешімі бойынша құрылатын екінші деңгейдегі банк. Тұрақтандыру банкін құрудың, оның қызметінің ерекшеліктері осы Заңда белгіленген.

15) тұтынушылық банктік қарыз – ипотекалық тұрғын үй қарызы (ипотекалық қарыз) болып табылмайтын, жеке тұлғаға тауарларды, жұмыстарды, көрсетілетін қызметтерді сатып алуға және (немесе) кәсіпкерлік қызметті жүзеге асыруға байланысты емес өзге де мақсаттарға берілетін банктік қарыз.

Ескерту. 2-бап жаңа редакцияда - ҚР 2008.11.20 № 88-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), өзгерістер енгізілді - ҚР 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.01.12 № 539-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

2-1-бап. Банктің үлестес тұлғалары

1. "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 64-бабында айқындалған тұлғалар, сондай-ақ банк конгломератының қатысушылары банктің үлестес тұлғалары болып табылады.

Егер осы бапта өзгеше белгіленбесе, ұлттық басқарушы холдингте банктің ірі акционері белгісінің болуы банктің үлестес тұлғаларын "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 64-бабына сәйкес айқындау үшін негіз болып табылмайды.

2. Егер осы бапта өзгеше белгіленбесе, ұлттық басқарушы холдинг не мемлекеттік жоспарлау жөніндегі уәкілетті орган бекітетін тізбе бойынша дауыс беретін акцияларының (қатысу үлестерінің) жүз пайызы ұлттық басқарушы холдингке тиесілі заңды тұлғалар, сондай-ақ ұлттық басқарушы холдингтің және жоғарыда көрсетілген заңды тұлғалардың лауазымды адамдары ірі акционері ұлттық басқарушы холдинг болып табылатын банктің үлестес тұлғалары болып табылмайды.

Банктер акционерлерінің құрамында ұлттық басқарушы холдингтің болуы осы банктерді бір-біріне қатысты үлестес тұлғалар деп тануға негіз болып табылмайды.

3. Осы баптың 1-тармағы екінші бөлігінің, сондай-ақ 2-тармағының ережелері Қазақстан Республикасының салық заңнамасының және Қазақстан Республикасының трансферттік баға белгілеу туралы заңнамасының мақсаттары үшін ескерілмейді.

4. Қазақстан Республикасы бейрезидент-банкі филиалының үлестес тұлғалары деп Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің заңнамасына сәйкес осылай деп танылатын Қазақстан Республикасы бейрезидент-банкінің үлестес тұлғалары танылады.

Қазақстан Республикасы бейрезидент-банкінің филиалы Қазақстан Республикасының бейрезидент-банкі ұсынатын мәліметтердің негізінде өзінің үлестес тұлғаларының есебін жүргізеді.

Ескерту. 2-1-бап жаңа редакцияда - ҚР 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), өзгерістер енгізілді - ҚР 2009.12.30 № 234-IV (21.02.2009 бастап қолданысқа енгізіледі); 29.09.2014 № 239-V (алғашқы ресми жарияланған күнінен кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

3-бап. Қазақстан Республикасының банк жүйесi

1. Қазақстан Республикасының екi деңгейлi банк жүйесi бар.

2. Қазақстан Республикасының Ұлттық Банкі мемлекеттiң орталық банкi болып табылады және ол банк жүйесiнiң жоғарғы (бiрiншi) деңгейiн білдіреді.

Қазақстан Республикасы Ұлттық Банкiнiң мiндеттерi, қызмет қағидаттары, құқықтық мәртебесi және өкiлеттiктері "Қазақстан Республикасының Ұлттық Банкі туралы" Қазақстан Республикасының Заңымен және Қазақстан Республикасының басқа да заңдарымен айқындалады.

Қазақстан Республикасының Ұлттық Банкi өз құзыретi шегiнде банк қызметiнiң жекелеген мәселелерi бойынша реттеудi, сондай-ақ өзінің ведомствосымен қатар бақылау мен қадағалауды жүзеге асырады және банктер мен банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйымдардың жұмыс iстеуi үшiн жалпы жағдайлар жасауға ықпал етеді.

Қазақстан Республикасы Ұлттық Банкiнiң құзыреті шегінде банктерге және банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйымдарға қатысты реттеу, бақылау және қадағалау функциялары Қазақстан Республикасының ақша-кредит жүйесiнiң тұрақтылығын ұстап тұруға, банк кредиторларының, олардың салымшылары мен клиенттерiнiң мүдделерiн қорғауға бағытталған.

3. Қазақстан Республикасының заң актісімен белгіленген ерекше құқықтық мәртебесі бар Қазақстанның Даму Банкін қоспағанда, өзге банкiлердiң бәрi банк жүйесiнiң төменгi (екiншi) деңгейiне жатады.

4. (алып тасталды)

5. Шетелдер қатысушы банк - орналастырылған акцияларының үштен бiрiнен астамы:

а) Қазақстан Республикасының резиденттерi еместердiң;

б) орналастырылған акцияларының немесе жарғылық капиталдарға қатысу үлестерiнiң үштен бірiнен астамы Қазақстан Республикасының резиденттерi еместердiң не соларға ұқсас Қазақстан Республикасы резиденттерiнiң - заңды тұлғаларының иелiгiнде, меншiгiнде және/немесе басқаруында болатын Қазақстан Республикасы резиденттерiнiң - заңды тұлғаларының;

в) Қазақстан Республикасының резиденттерi еместердiң не осы баптың 6 (б)-тармағында көрсетiлген заңды тұлғалардың қаражаттарына билiк етушiлер (сенiм бiлдiрiлген адамдар) болып табылатын Қазақстан Республикасы резиденттерiнiң иелiгiнде, меншiгiнде және/немесе басқаруында болатын екiншi деңгейдегi банк.

5-1. Ислам банкі - уәкілетті органның лицензиясы негізінде осы Заңның 4-1-тарауында көзделген банк қызметін жүзеге асыратын екінші деңгейдегі банк.

Ислам банкі депозиттерге міндетті кепілдік беру жүйесінің қатысушысы болып табылмайды және депозиттерге міндетті кепілдік беру жүйесі ислам банкіндегі депозиттерге кепілдік бермейді. Ислам банктері акционерлік қоғамның ұйымдық-құқықтық нысанындағы, ислам банктері тартқан депозиттердің қайтарылуына кепілдік беретін коммерциялық емес ұйымды құруға құқылы.

Ислам банкін құрудың және оның қызметінің ерекшеліктері осы Заңның 4-1-тарауында белгіленген.

6. Мемлекетаралық банк - халықаралық шарт (келiсiм) негiзiнде құрылып, жұмыс iстеп тұрған, құрылтайшылары Қазақстан Республикасының Үкiметi (немесе ол уәкiлдiк берген мемлекеттiк орган) мен сол шартқа (келiсiмге) қол қойған мемлекеттердiң үкiметтерi болып табылатын банк.

7. Қазақстан Республикасында "Қазақстанның тұрғын үй құрылыс жинақ банкі" акционерлік қоғамын қоспағанда, мемлекет қатысатын мамандандырылған салалық банктерді құруға жол берілмейді.

Ескерту. 3-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 2001.03.02 № 162, 2001.04.25 № 179, 2003.07.10 № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі), 2005.07.08 № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңдарымен.

4-бап. Қазақстан Республикасының банк заңнамасы

1. Қазақстан Республикасының банк заңнамасы Қазақстан Республикасының Конституциясына негізделеді, осы Заңнан және Қазақстан Республикасының өзге де нормативтік құқықтық актілерінен тұрады.

2. Егер Қазақстан Республикасы ратификациялаған халықаралық шартта осы Заңда көзделгендерден өзгеше ережелер белгіленсе, онда халықаралық шарттың ережелері қолданылады.

Ескерту. 4-бап жаңа редакцияда - ҚР 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); өзгеріс енгізілді - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

4-1-бап. Қазақстан Республикасы бейрезидент-банкінің филиалы

1. Қазақстан Республикасы бейрезидент-банкінің филиалы Қазақстан Республикасы бейрезидент-банкінің заңды тұлға болып табылмайтын, Қазақстан Республикасының аумағында орналасқан, Корпорацияда есептік тіркеуден өткен және уәкілетті органның лицензиясы негізінде банк қызметін жүзеге асыратын оқшауланған бөлімшесі болып табылады.

2. Қазақстан Республикасы бейрезидент-банкінің филиалы өз атауы ретінде Қазақстан Республикасы бейрезидент-банкінің филиалы туралы ережеде көрсетілген атауды пайдаланады.

Қазақстан Республикасы бейрезидент-банкінің филиалы өз атауында Қазақстан Республикасы бейрезидент-банкінің атауын, сондай-ақ "филиал" деген сөзді пайдалануға міндетті.

3. Қазақстан Республикасы бейрезидент-банкі филиалының тұрған жері деп Қазақстан Республикасы бейрезидент-банкінің филиалы туралы ережеде көрсетілген Қазақстан Республикасының аумағындағы тұрған жері танылады.

Ескерту. 4-1-баппен толықтырылды – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңымен.

5-бап. Банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйым

Егер осы Заңда өзгеше белгіленбесе, уәкiлеттi органның немесе Қазақстан Республикасы Ұлттық Банкiнiң лицензиясы негiзiнде не Қазақстан Республикасының заңдарына сәйкес осы Заңда көзделген банк операцияларының жекелеген түрлерін жүргiзуге құқылы, банк болып табылмайтын заңды тұлға банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйым болып танылады.

Ескерту. 5-бап жаңа редакцияда - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен; өзгерістер енгізілді - ҚР 16.05.2014 № 203-V (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 29.03.2016 № 479-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңдарымен.

5-1-бап. Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым

1. Қазақстан Республикасының Үкіметі екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымның жалғыз акционері болып табылады.

2. Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым іске асырылуы кезінде залалдар туындауы ықтимал мынадай қызмет түрлерін жүзеге асыруға:

1) жарғылық капиталды қалыптастыру үшін акциялар, сондай-ақ өз қызметін қаржыландыру үшін облигациялар шығаруға;

2) меншікті орналастырылған акциялары мен облигацияларын сатып алуға;

3) банктердің және (немесе) бұрын банктер болып табылған заңды тұлғалардың активтерін, талап ету құқықтарын сатып алу туралы шешім қабылдау мақсатында олардың сапасына бағалау жүргізуге;

4) Қазақстан Республикасының Ұлттық Банкiнен және банктерден күмәнді және үмітсіз активтерді, өзге де талап ету құқықтары мен активтерді сатып алуға, оларды басқаруға, оның ішінде сенімгерлік басқаруға беру арқылы басқаруға, оларды иеленуге және (немесе) өткізуге құқылы.

Құқықтар (талап ету) Қазақстан Республикасының Ұлттық Банкiнен екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымға өткен жағдайда, мұндай өтуге қарыз алушының, кепіл берушінің, кепілдің және өзге де тұлғалардың келісуі талап етілмейді;

5) банктер шығарған және (немесе) банктер, бұрын банктер болып табылған заңды тұлғалар орналастырған акциялардың және (немесе) облигациялардың сапасына бағалау жүргізуге;

6) заңды тұлғалардың, оның ішінде өздеріне қатысты талап ету құқықтары банктерден және (немесе) бұрын банктер болып табылған заңды тұлғалардан сатып алынған заңды тұлғалардың акцияларын және (немесе) жарғылық капиталға қатысу үлестерін сатып алуға, басқаруға, оның ішінде сенімгерлік басқаруға беру арқылы басқаруға, иеленуге және (немесе) оларды өткізуге;

7) банктер шығарған және орналастырған акцияларды және (немесе) облигацияларды сатып алуға, басқаруға, оның ішінде сенімгерлік басқаруға беру арқылы басқаруға, иеленуге және (немесе) оларды өткізуге;

8) банктерден және (немесе) бұрын банктер болып табылған заңды тұлғалардан сатып алынған және (немесе) алынған мүлікті мүліктік жалдауға (жалға) беруге немесе осындай мүлікті уақытша өтеулі пайдаланудың өзге де нысанын пайдалануға, оны сенімгерлік басқаруға беруге;

9) банктерден және (немесе) бұрын банктер болып табылған заңды тұлғалардан сатып алынған талап ету құқықтарын және басқа да активтерді секьюритилендіру бойынша операциялар жүргізуге;

10) дербес, сондай-ақ банктермен бірлесіп күмәнді және үмітсіз активтерді иеленетін ұйымды құруға (иеленуге);

11) заңды тұлғалардың акцияларын және (немесе) жарғылық капиталға қатысу үлестерін қоса алғанда, бұрын банктер болып табылған заңды тұлғалардан талап ету құқықтары мен активтерді сатып алуға, күтіп-ұстауға, сақталуын қамтамасыз етуге, басқаруға, оның ішінде сенімгерлік басқаруға беру арқылы басқаруға, иеленуге және (немесе) оларды өткізуге құқылы.

Егер осы тармақшаның бірінші абзацында көзделген мәмілелердің нәтижесінде екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымның активтерінің мөлшерінен он пайыз және одан да көп сомаға мүлік алған жағдайда, осындай мәміле жасасу туралы шешімді осы ұйымның акционері қабылдайды.

Егер осы тармақшаның бірінші абзацында көзделген мәмілелердің нәтижесінде кредитордың құқықтары (талаптары) ауысуы болған жағдайда қарыз алушының, кепіл берушінің, кепілдік етушінің және өзге де тұлғалардың келісімі мұндай ауысуға талап етілмейді. Бұл ретте жаңа кредитордың жеке басы борышкер үшін аса маңызы жоқ деп танылады;

12) ақшаны бағалы қағаздарға және өзге де қаржы құралдарына, сондай-ақ банк шоты мен банк салымы шарттарының талаптарымен екінші деңгейдегі банктерге, Қазақстан Республикасының Ұлттық Банкiне және осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымдарға орналастыруға;

13) ақылылық, мерзімділік және қайтарымдылық шарттарымен банктерді және (немесе) бұрын банктер болып табылған заңды тұлғаларды қаржыландыруды жүзеге асыруға;

14) екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға байланысты мәселелер бойынша ұйымдардың көрсетілетін қызметтерін иеленуге;

15) Қазақстан Республикасының Үкіметі және (немесе) Қазақстан Республикасының Ұлттық Банкі әзірлеген және бекіткен арнайы бағдарламалардың іске асырылуын жүзеге асыруға;

15-1) активтер, оның ішінде құқықтар (талаптар) бойынша берешекті қайта құрылымдауды жүргізуге, негізгі борышты және (немесе) сыйақыны, комиссияларды, тұрақсыздық айыбын (айыппұлдарды, өсімпұлдарды), өзге де берешекті толық немесе ішінара есептен шығаруға және (немесе) олардың күшін жоюға, активтерді басқаруға және оларды өткізуге, көрсетілген әрекеттер салдарынан туындайтын ықтимал зиянды мойындауға;

16) Қазақстан Республикасының Үкіметі белгілеген өзге де қызмет түрлерін жүзеге асыруға құқылы.

Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымның осы тармақта көзделген қызмет түрлерін жүзеге асыру тәртібін, сондай-ақ ол сатып алатын (сатып алған) активтер мен талап ету құқықтарына қойылатын талаптар жалғыз акционердің нормативтік құқықтық актісімен белгіленеді.

Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым банктік қарыз шарттары бойынша өзіне берілген талап ету құқықтары бойынша банктік қарыз операциясы жөніндегі кредитор (қарыз беруші) деп танылады және ол банктік қарыз шартында белгіленген барлық құқықтар мен міндеттерге ие болады.

Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым банктік қарыз шарты бойынша міндеттемені орындау мерзімін қатарынан күнтізбелік тоқсан күннен асырған банктік қарыздар бойынша өндіріп алу және талап ету құқықтарын басқаға беру үшін коллекторлық агенттіктерді тартуға, сондай-ақ осы Заңның 36-бабының 2-тармағына сәйкес төлем талабын ұсыну арқылы қарыз алушының банктік шоттарындағы ақшаға даусыз тәртіппен өндіріп алуды қолдануға құқылы.

3. Екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым осы баптың 2-тармағында көрсетілген қызмет түрлерін жүзеге асыруға бюджеттен нысаналы аударымдар алуға құқығы бар.

Ескерту. Заң 5-1-баппен толықтырылды - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); жаңа редакцияда - ҚР 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 25.12.2017 № 122-VI (11.03.2017 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 05.01.2021 № 407-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

6-бап. Уәкiлеттiк берiлмеген қызметке тыйым салу

1. Уәкiлеттi органның немесе Қазақстан Республикасы Ұлттық Банкiнiң тиiстi лицензиясы жоқ бiрде-бiр тұлғаның:

1) негiзгi немесе қосымша қызмет ретiнде банк операцияларын орындауға;

2) өзiнiң атауында, құжаттарда, хабарландырулар мен жарнамада "банк" деген сөздi немесе содан туындайтын, ол банк операцияларын орындайтындай әсер қалдыратын сөздi (ұғымды) пайдалануға құқығы жоқ. Бұл тыйым салу Қазақстан Республикасының Ұлттық Банкiне, банктердiң филиалдары мен өкiлдiктерiне, осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымдарға, халықаралық қаржы ұйымдарына қолданылмайды.

2. Мемлекеттiк орган, Ұлттық пошта операторы, осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымдар, сондай-ақ Қазақстан Даму Банкi осы Заңда және Қазақстан Республикасының өзге де заңдарында бекiтiлген өкiлеттiктерi шегiнде жүргiзетiн қызметтi (операцияларды) қоспағанда, уәкiлеттi органның немесе Қазақстан Республикасы Ұлттық Банкiнiң лицензиясынсыз жүзеге асырылған банк операциялары жарамсыз болып табылады.

Ескерту. 6-бап жаңа редакцияда - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен; өзгерістер енгізілді - ҚР 27.04.2015 № 311-V (01.01.2015 бастап қолданысқа енгізіледі); 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 29.03.2016 № 479-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңдарымен.

7-бап. Банкiлер мен мемлекеттiң жауапкершiлiгiн шектеу. Банкiлердiң тәуелсiздiгi

1. Банкiлер мемлекеттiң мiндеттемелерi бойынша жауап бермейдi, сол сияқты мемлекет те олардың мiндеттемелерi бойынша жауап бермейдi, бұған осы баптың 2-тармағында көрсетiлген реттер, сондай-ақ банкiлер мен мемлекет өзiне осындай жауапкершiлiк алған жағдайлар кiрмейдi.

2. Мемлекет Қазақстан Республикасының резиденттері - мемлекетаралық банкілер қабылдаған депозиттердің сақталуына кепілдік береді және олардың міндеттемелері бойынша осындай банкілердің (немесе олар уәкiлеттiк берген мемлекеттiк органның) жарғылық капиталындағы Қазақстан Республикасы Үкіметінің үлесіне тепе-тең мөлшерде жауап береді.

3. Қазақстан Республикасының заңдарында тiкелей көзделгеннен басқа реттерде мемлекеттiк органдардың және олардың лауазымды адамдарының кез келген түрде банкiлердiң қызметiне араласуына тыйым салынады.

Ескерту. 7-бапқа өзгерту енгізілді - ҚР 1996.12.07 № 50, 1997.07.11 № 154, 2001.03.02 № 162, 2003.07.10 № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі), 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

8-бап. Банктер мен банк холдингтері үшін тыйым салынған немесе шектелген қызмет

1. Банктерге Қазақстан Республикасының Ұлттық кәсіпкерлер палатасына мүшелікті, сондай-ақ осы Заңда белгiленген жағдайларды қоспағанда, банк қызметiне қатысы жоқ не осы Заңның осы бабының 9-тармағында және 30-бабының 12-тармағында көзделмеген операциялар мен мәмiлелердi кәсiпкерлiк қызмет ретiнде жүзеге асыруға, сондай-ақ заңды тұлғалардың жарғылық капиталдарына қатысу үлестерiн немесе акцияларын иемденуге, коммерциялық емес ұйымдарды құруға және олардың қызметiне қатысуға және осы баптың 8-тармағында көзделген жағдайларда бағалы қағаздармен жасалатын мәмiлелердi жүзеге асыруға тыйым салынады.

2. Банк холдингтерiне Қазақстан Республикасының Ұлттық кәсіпкерлер палатасына мүшелікті, сондай-ақ осы Заңда белгiленген жағдайларды қоспағанда, операциялар мен мәмiлелердi кәсiпкерлiк қызмет ретiнде жүзеге асыруға, сондай-ақ заңды тұлғалардың жарғылық капиталдарына қатысу үлестерiн немесе акцияларын иемденуге, коммерциялық емес ұйымдарды құруға және олардың қызметiне қатысуға және осы баптың 8-тармағында көзделген жағдайларда бағалы қағаздармен жасалатын мәмiлелердi жүзеге асыруға тыйым салынады.

3. Осы баптың 1 және 2-тармақтарында белгіленген тыйым салу мынадай жағдайларда:

1) банктер:

орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының (жарғылық капиталға қатысу үлестерінің) он немесе одан көп пайызы мөлшерінде, банктер, сақтандыру ұйымдары, зейнетақы қорлары, бағалы қағаздар нарығына кәсіби қатысушылар, төлем ұйымдары мәртебесі бар қаржы ұйымдарын, сондай-ақ Қазақстан Республикасының бейрезидент-заңды тұлғаларын құрған, сондай-ақ акцияларға және жарғылық капиталға қатысу үлестеріне ие болған жағдайларда қолданылмайды;

сатып алатын акциялары (жарғылық капиталға қатысу үлестері) уәкілетті органның нормативтік құқықтық актісінің талаптарына сәйкес келген жағдайда олардың орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының (жарғылық капиталға қатысу үлестерінің) он пайызынан аз мөлшерде заңды тұлғаларды;

бағалы қағаздарды банк кепілдігімен шығару және орналастыру мақсатында құрылған Қазақстан Республикасының резиденті емес-еншілес арнайы ұйымдарды;

Қазақстан Республикасының жобалық қаржыландыру және секьюритилендiру туралы заңнамасына сәйкес секьюритилендiру мәмілелері үшін құрылған еншілес арнайы қаржы компанияларын;

екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйыммен бірлесіп құрылған (иеленген), күмәнді және үмітсіз активтерді иеленетін Қазақстан Республикасының резидент ұйымдарын;

бас банктің күмәнді және үмітсіз активтерін сатып алатын Қазақстан Республикасының резиденттері – еншілес ұйымдарды;

айрықша қызметі банкноттарды, монеталарды және құндылықтарды инкассациялау болып табылатын еншілес ұйымдарды;

электрондық ақша жүйесі операторының қызметтерін көрсететін ұйымдарды;

лизинг қызметін жүзеге асыратын еншілес ұйымдарды;

төлем карточкаларымен жасалатын операциялар бойынша есеп айырысуларды қоса алғанда, банктік қызмет бойынша есеп айырысуға қатысушылардың арасында ақпараттық, телекоммуникациялық және технологиялық өзара іс-қимылдарды қамтамасыз ету бойынша қызмет көрсететін ұйымдарды;

электронды цифрлық қолтаңбаның ашық кілтінің электронды цифрлық қолтаңбаның жабық кілтіне сәйкестігін куәландыру жөніндегі, сондай-ақ тіркеу куәлігінің дәйекті болуын растау жөніндегі қызметті жүзеге асыратын ұйымдарды;

осы Заңның 10-бабында аталған заңды тұлғаларды;

кепіл ретінде қабылданған акциялары немесе осы ұйымдардың жарғылық капиталына қатысу үлестері Қазақстан Республикасының азаматтық заңнамасына және шет мемлекеттің заңнамасына сәйкес банктердің меншігіне өткен кезде заңды тұлғаларды;

қызметін Қазақстан Республикасының аумағында жүзеге асыратын қор биржалары мен орталық депозитарийді;

кредиттік бюроларды;

осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымдарды;

жасанды интеллект, блокчейн және басқа да инновациялық технологиялар пайдаланыла отырып, қаржылық және (немесе) төлем қызметтерін көрсету мүмкіндігін беру бойынша қызметтер көрсететін ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін);

Интернет арқылы ақпараттық жүйе пайдаланыла отырып, қаржы ұйымдары немесе эмитенттер мен қаржылық көрсетілетін қызметтерді тұтынушылар арасында қаржылық қызметтер көрсету жөнінде мәмілелер жасау мүмкіндігін беру бойынша қызметтер көрсететін ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін);

қаржы ұйымдарының қызметінде, оның ішінде олардың қызметін автоматтандыру үшін пайдаланылатын бағдарламалық қамтылымды әзірлеуді, өткізуді, қолдап отыруды жүзеге асыратын ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін);

ислам банкі осы Заңның 4-1-тарауында көзделген банк қызметін жүзеге асырғанда - өзге де заңды тұлғаларды;

2) банк холдингтері:

қаржы ұйымдарын;

екінші деңгейдегі банктердің күмәнді және үмітсіз талаптарын оларды басқару және (немесе) одан кейін өткізу, қайта құрылымдау және (немесе) секьюритилендіру үшін сатып алатын Қазақстан Республикасының резиденттерін-ұйымдарды;

бағалы қағаздарды банк холдингінің кепілдігімен шығару және орналастыру мақсатында құрылған Қазақстан Республикасының резиденттері емес-арнайы ұйымдарды;

Қазақстан Республикасының жобалық қаржыландыру және секьюритилендiру туралы заңнамасына сәйкес секьюритилендiру мәмілелері үшін құрылған еншілес арнайы қаржы компанияларын;

банкноттарды, монеталарды және құндылықтарды инкассациялау, лизингтік қызметті жүзеге асыру айрықша қызметі болып табылатын ұйымдарды;

төлем карточкаларымен жасалатын операциялар бойынша есеп айырысуларды қоса алғанда, банктік қызмет бойынша есеп айырысуға қатысушылар арасында ақпараттық, телекоммуникациялық және технологиялық өзара іс-қимылды қамтамасыз ету бойынша қызмет көрсететін ұйымдарды;

банктер, сақтандыру ұйымдары, зейнетақы қорлары, бағалы қағаздар нарығына кәсіби қатысушылар мәртебесі бар Қазақстан Республикасының бейрезиденті – заңды тұлғаларды;

осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымдарды;

жасанды интеллект, блокчейн және басқа да инновациялық технологиялар пайдаланыла отырып, қаржылық және (немесе) төлем қызметтерін көрсету мүмкіндігін беру бойынша қызметтер көрсететін ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін);

Интернет арқылы ақпараттық жүйе пайдаланыла отырып, қаржы ұйымдары немесе эмитенттер мен қаржылық көрсетілетін қызметтерді тұтынушылар арасында қаржылық қызметтер көрсету жөнінде мәмілелер жасау мүмкіндігін беру бойынша қызметтер көрсететін ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін);

қаржы ұйымдарының қызметінде, оның ішінде олардың қызметін автоматтандыру үшін пайдаланылатын бағдарламалық қамтылымды әзірлеуді, өткізуді, қолдап отыруды жүзеге асыратын ұйымдарды (Қазақстан Республикасының резиденттері мен бейрезиденттерін) құру, сондай-ақ акцияларына немесе жарғылық капиталдарына қатысу үлестеріне ие болу жағдайларына қолданылмайды.

Осы тармақтың бірінші бөлігі 1) тармақшасының он сегізінші, он тоғызыншы және жиырмасыншы абзацтарында және 2) тармақшасының оныншы, он бірінші және он екінші абзацтарында белгіленген талаптар уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім болған кезде банктер мен банк холдингтерінің Қазақстан Республикасының бейрезидент-ұйымдарын құру, сондай-ақ олардың акцияларын немесе жарғылық капиталдарына қатысу үлестеріне ие болу жағдайларына қолданылады.

Банктің еншілес ұйымдары, осы Заңның 11-2-бабында көзделген жағдайларды қоспағанда, уәкілетті органның нормативтік құқықтық актісінде белгіленген талаптарға сай келетін заңды тұлғалардың акцияларын немесе жарғылық капиталға қатысу үлестерін ғана сатып алуға құқылы. Банктің еншілес сақтандыру (қайта сақтандыру) ұйымдары сақтандыру ұйымдары мәжбүрлеп таратылған жағдайда, сақтандырушыға (сақтандырылушыларға, пайда алушыларға) сақтандыру төлемдерін жүзеге асыруға кепілдік беретін ұйымның және деректер базасын қалыптастыру және жүргізу жөніндегі ұйымның акцияларын да сатып алуға құқылы.

Банк холдингінің еншілес ұйымдары уәкілетті органның нормативтік құқықтық актісінде белгіленген талаптарға сай келетін заңды тұлғалардың акцияларын немесе жарғылық капиталға қатысу үлестерін ғана сатып алуға құқылы. Банк холдингінің еншілес сақтандыру (қайта сақтандыру) ұйымдары сақтандыру ұйымдары мәжбүрлеп таратылған жағдайда, сақтандырушыға (сақтандырылушыларға, пайда алушыларға) сақтандыру төлемдерін жүзеге асыруға кепілдік беретін ұйымның акцияларын және деректер базасын қалыптастыру және жүргізу жөніндегі ұйымның акцияларын да сатып алуға құқылы. Бұл талап:

Қазақстан Республикасының резиденті-еншілес банктерге;

көрсетілген заңды тұлғалардың акцияларын немесе жарғылық капиталға қатысу үлестерін тікелей иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылдайтын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) Қазақстан Республикасы резиденті банкінің акцияларын иелену (дауыс беру, шешімді айқындау және (немесе) қабылдайтын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы банк холдингі бас ұйымы болып табылатын заңды тұлғаларға;

мынадай талаптардың бірін орындаған кезде:

банк холдингінде тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ көрсетілген тұлғалардың шоғырландырылған қадағалауға жататындығын білдіретін олар шыққан елдің қаржы қадағалау органының жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банк холдингі болып табылатын Қазақстан Республикасының резидент еместерінің еншілес ұйымдары болып табылатын Қазақстан Республикасының резиденті еместерге қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді.

4. Осы баптың 3-тармағының 1) тармақшасында көрсетілген заңды тұлғалардың жарғылық капиталына қатысу үлестерін не акцияларын банктің сатып алуы бір заңды тұлғаға банктің меншікті капиталының он пайызынан аспауға тиіс. Бұл шектеу банктің жарғылық капиталға қатысу үлестерін не көрсетілген заңды тұлғалардың акцияларын иеленуіне, оның ішінде оларды құру жағдайларына да қолданылады.

Банктің осы баптың 3-тармағының 1) тармақшасында көрсетілген заңды тұлғалардың жарғылық капиталына қатысу үлестерінің не акцияларының жиынтық құны уәкілетті органның нормативтік құқықтық актісінде айқындалған мөлшерден аспауға тиіс.

Осы тармақтың бірінші бөлігінде белгіленген шектеу басқа банкке бақылау жасауды:

осы Заңға сәйкес оған қатысты қайта құрылымдау жүргізілгенге;

осы Заңның 61-4-бабында көзделген операцияны жүзеге асырғанға байланысты иемденген банктерге қолданылмайды.

5. Банктің қаржы ұйымдарының, сондай-ақ банктер, сақтандыру ұйымдары, жинақтаушы зейнетақы қорлары, бағалы қағаздар нарығына кәсіби қатысушылар мәртебесі бар Қазақстан Республикасының резиденті емес–заңды тұлғалардың орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының немесе жарғылық капиталға қатысу үлестерінің он немесе одан көп пайызы мөлшерінде сатып алуына және иеленуіне банк уәкілетті органның нормативтік құқықтық актісінде белгіленетін өз капиталының ең төменгі жеткіліктілігіне қойылатын қосымша талаптарды банк орындаған жағдайда жол беріледі. Бұл талап банк көрсетілген заңды тұлғаларды құрған жағдайларға да қолданылады.

6. Банк конгломераты, банк немесе банк холдингі бас ұйымының банктің не банк холдингінің еншілес ұйымдарына, банк не банк холдингі капиталына қомақты қатысатын ұйымдарға тиесілі акцияларының (жарғылық капиталға қатысу үлестерінің) жиынтық үлесі уәкілетті органның нормативтік құқықтық актісінде айқындалатын лимиттерден аспауға тиіс.

7. Заңды тұлғалардың кепіл ретінде қабылданған акциялары немесе жарғылық капиталға қатысу үлестері Қазақстан Республикасының азаматтық заңнамасына және шет мемлекеттің заңнамасына сәйкес банктің меншігіне өткен жағдайларда, банктер осы ұйымдардың акцияларын немесе жарғылық капиталына қатысу үлестерін сатып алған кезде банктің осындай заңды тұлғаларға қатысуы банктің меншікті капиталының он пайызынан аспауға тиіс.

Акцияларды немесе жарғылық капиталға қатысу үлестерін өткізу мерзімі мынадай:

банк кепіл ретінде қабылдаған осы ұйымдардың акцияларын немесе жарғылық капиталдарына қатысу үлестерін банктің осы Заңның 11-2-бабында айқындалған шарттармен құрылған (сатып алынған) еншілес ұйымына беру;

осы баптың 3-тармағының 1) тармақшасында көрсетілген ұйымдардың кепіл ретінде қабылданған акцияларының немесе жарғылық капиталдарына қатысу үлестерінің банк меншігіне өту жағдайларын қоспағанда, он екі айдан аспауға тиіс.

Осы тармақта белгіленген шектеулер, банктің осы Заңның 11-2-бабында айқындалған жағдайларда құрылған (сатып алынған) еншілес ұйымын қоспағанда, банктердің еншілес ұйымдарына қолданылады.

7-1. Банк банк және микроқаржы активтері сатылатын электрондық сауда алаңында сауда-саттық өткізу арқылы мынадай мүлікті:

бұрын банктік қарыз шарты бойынша міндеттемелерді орындауды қамтамасыз ету болып табылған, оған өндіріп алуды қолдану нәтижесінде банктің меншігіне өткен кепіл мүлкін;

банктің банктік қарыз шарты бойынша міндеттемені орындаудың орнына бас тарту төлемін алуы нәтижесінде банктің меншігіне түскен мүлікті өткізуге міндетті.

Осы тармақтың бірінші бөлігінде белгіленген талап осы баптың 9-тармағының 14) тармақшасына сәйкес банк сатып алу шартымен жалға берген тұрғынжайға қолданылмайды.

Банк:

өткізу мерзімі Қазақстан Республикасының Жер кодексінде көзделген ерекшеліктер ескеріле отырып айқындалатын жер учаскесін;

осы баптың 9-тармағының 14) тармақшасына сәйкес банк сатып алу шартынсыз жалға берген, өткізу мерзімі жалдау мерзіміне мөлшерлес ұзартылатын тұрғынжайды қоспағанда, осы тармақтың бірінші бөлігінде көрсетілген мүлікті банктің меншігіне өткен күнінен бастап үш жыл ішінде өткізуге тиіс.

Осы тармақтың бірінші, екінші және үшінші бөліктерінде белгіленген талаптар банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға және бас банктің күмәнді және үмітсіз активтерін иеленетін банктердің еншілес ұйымдарына қолданылады.

Осы тармақтың талаптары осы баптың 7-тармағында көзделген заңды тұлғалардың акциялары немесе жарғылық капиталдарына қатысу үлестері банктердің меншігіне өткен жағдайларға қолданылмайды.

Осы тармақтың бірінші бөлігінде көрсетілген мүлік сауда-саттық өтпеді деп танылған жағдайда уәкілетті органның нормативтік құқықтық актісінде бекітілген банк және микроқаржы активтері сатылатын электрондық сауда алаңында сауда-саттық өткізу қағидаларына сәйкес тікелей атаулы сату арқылы өткізілуі мүмкін.

8. Осы баптың 1 және 2-тармақтарында белгіленген тыйым салу:

тізбесін уәкілетті орган белгілейтін халықаралық қаржы ұйымдарының облигацияларын;

уәкілетті органның нормативтік құқықтық актісінде белгіленген талаптарға сәйкес келетін облигацияларды;

Қазақстан Республикасының жобалық қаржыландыру және секьюритилендіру туралы заңнамасына сәйкес құрылған, банктің немесе банк холдингінің еншілес ұйымы болып табылатын арнайы қаржы компаниясының банк немесе банк холдингі мен арнайы қаржы компаниясы арасындағы секьюритилендіру мәмілесін жүзеге асыру шеңберінде шығарылған облигацияларын;

банктің немесе банк холдингінің меншікті облигацияларын және банк немесе банк холдингі міндеттемелеріне кепілдік берген осы банктің немесе банк холдингінің еншілес ұйымдары шығарған облигацияларды меншікке сатып алу жағдайларына қолданылмайды. Мұндай облигациялармен мәмілелер жасасу тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

Осы бапта белгіленген шектеулер ұйымның бұдан бұрын шығарылған облигациялары бойынша міндеттемелері осы ұйымның қайта құрылымданатын міндеттемелерінің тізбесіне енгізілген жағдайда банктің, банк холдингінің бұдан бұрын сатып алған облигацияларының орнына қайта құрылымдау процесіндегі ұйымдардың облигацияларын сатып алу жағдайларына қолданылмайды.

9. Осы баптың 1-тармағында көрсетілген қызметтен басқа банктер мынадай қызмет түрлерімен:

1) банктердің және банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйымдардың қызметiн автоматтандыру үшiн пайдаланылатын мамандандырылған бағдарламалық қамтылымды немесе қаржы ұйымдарының қызметінде пайдаланылатын өзге де бағдарламалық қамтылымды әзірлеумен, өткізумен және қолдап отырумен;

2) ақпарат жеткізгіштің кез келген түрінде банк қызметiнiң мәселелерi жөнiндегi арнайы әдебиеттi өткізумен;

3) өз мүлкін өткізумен;

4) төлем карточкалары мен чек кітапшаларын шығарумен, өткізумен және таратумен;

5) банкаралық клирингті жүзеге асырумен;

6) электронды ақшаны шығару, өткізу, сатып алу және өтеу, сондай-ақ электрондық ақшамен операциялар жасау жөніндегі ақпаратты жинау және өңдеу бойынша қызмет көрсетумен;

7) қарыз алушылар кепiлге қойған мүліктi және банктік қарыз шарты бойынша міндеттемені орындаудың орнына бас тарту төлемі түрінде алынған мүлікті Қазақстан Республикасының заңнамалық актілерінде белгiленген тәртiппен өткізумен;

8) қаржылық қызметке байланысты мәселелер бойынша консультациялық қызметтер көрсетумен;

9) банк қызметiне байланысты мәселелер бойынша басқа тұлғалардың мүдделерiн бiлдiрумен не облигация ұстаушылардың өкілі ретінде;

9-1) төлемді қолма-қол ақшасыз тәсілмен жүзеге асыруға болатын кезде, банк жүйелері, бағдарламалары, инфрақұрылымы пайдаланыла отырып, тауарларды, жұмыстар мен көрсетілетін қызметтерді алу және оларға қашықтан ақы төлеу мүмкіндігін қоса алғанда, қызмет көрсету сервисін ұсыну арқылы төлеуші мен тауарларды, жұмыстар мен көрсетілетін қызметтерді беруші арасында делдалдық көрсетілетін қызметтерді жүзеге асырумен;

9-2) орталық депозитарийде депоненттің атына ашылған депонент шотын (шоттарын) басқару жөніндегі қызметтерді көрсетумен;

10) банктік және қаржылық қызмет саласындағы мамандардың бiлiктiлiгiн арттыру жөнiндегi оқуды ұйымдастырумен;

11) ақпараттандыру саласындағы уәкілетті органның лицензиясы болған кезде электронды цифрлық қолтаңбаның ашық кілтінің электронды цифрлық қолтаңбаның жабық кілтіне сәйкестігін куәландыру жөніндегі, сондай-ақ көрсетілетін банктік қызметтерін пайдаланатын өз клиенттеріне қатысты тіркеу куәлігінің дәйекті екенін растау жөніндегі қызметпен;

12) банк пен Қазақстан Республикасының резиденттері сақтандыру ұйымдарының арасында олардың атынан сақтандыру шарттарын жасасуға шарт болған кезде Қазақстан Республикасының резиденттері сақтандыру ұйымдарының атынан сақтандыру шарттарын жасасумен;

13) мүліктік жалдау (жалға беру) шартына сәйкес еншілес ұйымдарға өз мүлкін жалға берумен;

14) банктің меншігіне өткен тұрғынжайды мүліктік жалдау (жалға беру) шарты негізінде, оның ішінде сатып алу шартымен жалға берумен айналысуға құқылы.

"Тұрғын үй қатынастары туралы" Қазақстан Республикасының Заңына сәйкес халықтың әлеуметтік жағынан осал топтарына жататын, ипотекалық тұрғын үй қарызы (ипотекалық қарыз) шарты бойынша міндеттемелерді орындамауына немесе тиісінше орындамауына байланысты өндіріп алуды қолдану не ипотекалық тұрғын үй қарызы (ипотекалық қарыз) шарты бойынша кепіл ретінде болған тұрғынжай түрінде бас тарту төлемін беруі нәтижесінде тұрғынжайы банктің меншігіне өткен жеке тұлғалар ғана осы тармақшаның бірінші бөлігінде көрсетілген тұрғынжайды жалға алушылар ретінде бола алады;

15) Қазақстан Республикасының жобалық қаржыландыру және секьюритилендiру туралы заңнамасына сәйкес синдикатталған қаржыландыруға қатысуға және (немесе) банк-агенттің және (немесе) кепілді басқарушының функцияларын орындауға құқылы.

10. Осы баптың 2-тармағында көрсетілген қызметтен басқа, банк холдингтері мынадай қызмет түрлерiмен:

1) банк холдингімен ерекше қатынасы жоқ тұлғадан өз мұқтажы үшін иеленген мүлікті сатып алумен;

2) қаржылық қызметпен байланысты мәселелер бойынша консультациялық қызметтер көрсетумен;

3) өз мүлкін сатумен айналысуға құқылы.

11. Банктер мен банк холдингтеріне "алтын акция" шығаруға тыйым салынады.

12. Уәкілетті органның нормативтік құқықтық актісінде белгіленген жағдайларды қоспағанда, банктер қайталама нарықта мемлекеттік бағалы қағаздармен және мемлекеттік емес бағалы қағаздармен, сондай-ақ туынды қаржы құралдарымен жасалатын мәмілелерді тек қана бағалы қағаздардың ұйымдастырылған нарығында жасайды.

13. Осы баптың талаптары:

1) ислам банктерінің банк холдингтеріне;

2) көрсетілген банктің акцияларын тікелей иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) Қазақстан Республикасының резиденті банк холдингінің акцияларын немесе жарғылық капиталға қатысу үлестерін иелену (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы банктің акцияларын жанама иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) банк холдингтеріне;

3) мынадай талаптардың бірін орындаған кезде:

тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ банк холдингі, банк холдингінің белгілеріне ие тұлға шыққан елдің қаржылық қадағалау органының көрсетілген Қазақстан Республикасының резиденттері емес-тұлғалардың шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банк холдингі, банк холдингінің белгілеріне ие тұлға болып табылатын Қазақстан Республикасының резиденті еместерге қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді.

4) қаржы ұйымдары болып табылатын Қазақстан Республикасының резиденттері - банк холдингтеріне;

5) Қазақстан Республикасының заңнамасында айқындалған тәртіппен біріктіру нысанында қайта ұйымдастыруды не осы Заңның 61-4-бабында көзделген операцияны жүргізген кезде, басқа банктің акцияларын не ұстаушысы басқа банк болып табылатын өзге де бағалы қағаздарды не басқа банкке тиесілі заңды тұлғалардың жарғылық капиталдарына қатысу үлестерін сатып алуымен байланысты банктерге қолданылмайды.

14. Қазақстан Республикасы бейрезидент-банктерінің филиалдарына осы Заңның 30-бабының 2-1-тармағында және 52-5-бабының 4-тармағында көзделген банк қызметіне жатпайтын кәсіпкерлік қызмет, сондай-ақ осы баптың 10-тармағының 2) тармақшасында көзделген қызмет ретінде операциялар мен мәмілелерді жүзеге асыруға тыйым салынады.

Ескерту. 8-бап жаңа редакцияда - ҚР 2011.12.28 № 524-IV (қолданысқа енгізілу тәртібін 2-б. қараңыз), өзгерістер енгізілді - ҚР 2012.01.12 № 539-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.12.26 № 61-V (2012.02.04 бастап қолданысқа енгізіледі), 21.06.2013 № 106-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 26.07.2016 № 12-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік отыз күн өткен соң қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (қолданысқа енгізілу тәртібін 2-б. қараңыз) Заңдарымен.

8-1-бап. Мәмілелер жасасу кезінде банктерге қойылатын шектеулер

1. Банк:

банк конгломератына қатысушылар болып табылатын тұлғаларға берілетін банктік қарыздар мен банк кепілдіктерін;

уәкілетті органның нормативтік құқықтық актісінде белгіленетін талаптарға мөлшері мен түрі сәйкес келетін, қамтылымы бар банктік қарыздар мен банк кепілдіктерін;

уәкілетті органның нормативтік құқықтық актісінде айқындалатын, қаржылық жағдайының тұрақсыздық белгілері жоқ тұлғаларға берілетін банктік қарыздар мен банк кепілдіктерін қоспағанда, осы Заңның 40-бабына сәйкес айқындалатын, өзімен ерекше байланыста болатын тұлғаларға банктік қарыздар мен банк кепілдіктерін беруге құқылы емес.

2. Банк мынадай талаптардың біріне сәйкес келмейтін заңды тұлғаға (Қазақстан Республикасының резидентіне және резиденті емеске):

1) заңды тұлғаның жарғылық капиталға қатысу үлесінің не орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының елу пайызынан астамына иелік ететін не осы заңды тұлғаның акцияларының (жарғылық капиталға қатысу үлестерінің) елу пайызынан астамымен дауыс беру мүмкіндігі бар немесе осындай тұлғаға бақылауды жүзеге асыратын жеке тұлға туралы ақпарат болса;

2) жиынтығында заңды тұлғаның жарғылық капиталға қатысу үлестерінің не орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының елу пайызынан астамына иелік ететін не осы заңды тұлғаның акцияларының (жарғылық капиталға қатысу үлестерінің) елу пайызынан астамымен дауыс беру мүмкіндігі бар жеке тұлғалар туралы ақпарат болса;

3) заңды тұлғаның жарғылық капиталындағы жай акциялардың (жарғылық капиталға қатысу үлестерінің) соңғы меншік иелеріне дейін жай акциялардың (жарғылық капиталға қатысу үлестерінің) он немесе одан көп пайызын иеленетін заңды тұлға акцияларының (жарғылық капиталға қатысу үлестерінің) барлық меншік иелері туралы ақпарат болса;

4) талап етілетін ең төменгі рейтингі бар, Қазақстан Республикасының Үкіметі, жергілікті атқарушы орган не шет мемлекет бақылайтын заңды тұлға болып табылса, банктік қарыздар мен банк кепілдіктерін беруге құқылы емес. Талап етілетін ең төменгі рейтинг және рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді;

5) уәкілетті орган белгілеген тізбеге кіретін халықаралық ұйым болып табылса;

6) талап етілетін ең төменгі рейтингі бар ұйым болып табылса, банктік қарыздар мен банк кепілдіктерін беруге құқылы емес. Талап етілетін ең төменгі рейтинг және рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді;

7) осы тармақтың 4)–6) тармақшаларында көрсетілген, жиынтығында заңды тұлғаның жарғылық капиталға қатысу үлестерінің не орналастырылған (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) акцияларының елу пайызынан астамына иелік ететін не осы заңды тұлғаның акцияларының (жарғылық капиталға қатысу үлестерінің) елу пайызынан астамымен дауыс беру мүмкіндігі бар жеке және заңды тұлғалар туралы ақпарат болса;

8) инвестициялық қордың басқарушы компаниясы, сондай-ақ осы тармақтың 4), 5), 6) және 7) тармақшаларында көрсетілген, аталған инвестициялық қордың акционерлері (пайшылары) болып табылатын және заңды тұлғаға бақылау жасауды жүзеге асыратын жеке және заңды тұлғалар туралы ақпарат болса;

9) уәкілетті органның нормативтік құқықтық актісінде ашу тәртібі белгіленетін ақпараты бар заңды тұлға болып табылса, банктік қарыздар мен банк кепілдіктерін беруге құқылы емес.

2-1. Банк "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңында көзделген тәртіппен соттан тыс банкроттық рәсімінің немесе сот арқылы банкроттық рәсімнің аяқталғаны туралы хабарландыру орналастырылған күннен бастап бес жыл ішінде Қазақстан Республикасының азаматына банктік қарыздар беруге, сондай-ақ мұндай адамдардан банктік қарыз шарттары бойынша кепіл, кепілдік және кепілгерлік түріндегі қамтамасыз етуді қабылдауға құқылы емес.

3. Осы баптың 2-тармағының талаптары шамасы уәкілетті органның нормативтік құқықтық актісінде айқындалатын мөлшерден аспайтын банктік қарыздар мен банк кепілдіктеріне қолданылмайды.

Осы баптың 1 және 2-тармақтарында көрсетілген барлық банктік қарыздар мен банк кепілдіктерінің жиынтық көлемі есеп айырысу тәртібін уәкілетті органның нормативтік құқықтық актісі айқындайтын мөлшерден аспауға тиіс.

4. Банктің осы мәмілені алдын ала банктің директорлар кеңесінде бекіттіріп алмай, құны банктің меншікті капиталының он пайызынан асатын активтерді кепілге немесе ауыртпалықтың өзге нысанына беруіне тыйым салынады.

Қазақстан Республикасы бейрезидент-банкі филиалының осы мәмілені алдын ала Қазақстан Республикасы бейрезидент-банкінде бекіттіріп алмай, құны Қазақстан Республикасы бейрезидент-банкі филиалының активтері сомасының он пайызынан асатын, резерв ретінде қабылданған активтерді кепілге немесе ауыртпалықтың өзге нысанына беруіне тыйым салынады.

Ескерту. Заң 8-1-баппен толықтырылды - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 30.12.2022 № 179-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

9-бап. Шындыққа сай келмейтiн жарнамаға тыйым салу

1. Банкiлерге жарнама шығарылған күнi шындыққа сай келмейтiн қызметiн жарнамалауға тыйым салынады.

1-1. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым банктік қарыз немесе салым бойынша сыйақы шамалары туралы ақпаратты қамтитын жарнаманы тарату және (немесе) орналастыру кезінде анық, жылдық, тиімді, салыстырмалы есептеудегі сыйақы мөлшерлемесін көрсетуге міндетті.

Банктік қарыз немесе салым бойынша сыйақы шамалары туралы ақпаратты қамтитын жарнаманы тарату, соның ішінде оны жариялау кезінде жылдық тиімді сыйақы мөлшерлемесі қаріптері басқа сыйақы мөлшерлемелерімен бірдей көлемдегі және ресімдеу стиліндегі нысанда цифрлармен көрсетіледі. Жылдық тиімді сыйақы мөлшерлемесін осы жарнамада өзге ақпаратты көрсету кезінде пайдаланылатын қаріптен кіші қаріппен көрсетуге жол берілмейді.

2. Уәкiлеттi орган банкiден шындыққа сай келмейтiн жарнамаға өзгерiстер енгiзудi, оны тоқтатуды немесе терiске шығарып жариялауды талап етуге құқылы.

Бұл талап Уәкiлеттi орган белгiлеген мерзiмде орындалмаған жағдайда уәкiлеттi орган жарнамада баяндалған мәлiметтердiң шындыққа сай келмейтiндiгi туралы ақпарат жариялауға, не оларды мұндай жарнаманы жариялаған банкiнiң есебiнен нақтылауға құқылы.

3. Банк операцияларын жүргiзуге уәкiлеттi органның немесе Қазақстан Республикасы Ұлттық Банкiнiң лицензиясы жоқ заңды тұлғаларға банк операциялары санатына жатқызылған, жүзеге асырылатын қызметтердi жарнамалауға тыйым салынады.

Ескерту. 9-бапқа өзгерістер енгізілді - ҚР 2005.07.08. № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

10-бап. Банкiлер ассоциациялары (одақтары)

1. Өз қызметiн үйлестiру, ортақ мүдделердi қорғау және бiлдiру, бiрлескен жобаларды жүзеге асыру және өзге де ортақ мiндеттердi шешу үшiн банкiлер қолданылып жүрген заңдарға сәйкес банкiлер ассоциациялары мен одақтарын құруға құқылы.

2. Банкiлер ассоциациялары (одақтары) коммерциялық емес ұйымдар болып табылады.

3. Банкiлер ассоциацияларын (одақтарын) банк жүйесiндегi бәсекенi шектеу, сыйақы мөлшерлемелерді, несиелер мен өзге де банк қызметтерiн ұсыну шарттарын үйлестiру мақсатында қолдануға болмайды.

Ескерту. 10-бапқа өзгерту енгізілді - Қазақстан Республикасының 1997.07.11. № 154 Заңымен, 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен.

10-1-бап. Банктер қатысатын консорциумдар және басқа да бiрлестiктер

Кредит беруге және өзге мiндеттердi шешуге байланысты бiрлескен жобаларды іске асыру мақсатында банктер бiрлескен қызметi туралы шарт негiзiнде консорциум құруға және басқа консорциумдар, қауымдастықтар жұмысына қатысуға құқылы.

Ескерту. 10-1-баппен толықтырылды – ҚР 1999.07.16. № 436 Заңымен.

11-бап.

Ескерту. 11-бап алып тасталды – ҚР 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

11-1-бап. Банктер мен банк холдингтерінің еншілес ұйымдары және банктер мен банк холдингтерінің капиталға қомақты қатысуы

1. Банк және банк холдингі өздеріне осы Заңның 8-бабымен берілген өкілеттіктерді жүзеге асыру мақсатында уәкілетті органның алдын ала рұқсаты болған кезде ғана еншілес ұйымды құра алады немесе иелене алады.

Уәкілетті органның еншілес ұйымды құруға немесе сатып алуға рұқсатын алу жөніндегі талап көрсетілген ұйымның акцияларын немесе жарғылық капиталына қатысу үлестерін тікелей иеленетін (дауыс беру, шешімді айқындау және (немесе) шарттың күшіне қарай не өзгеше түрде қабылданатын шешімдерге ықпал ету мүмкіндігі бар) және уәкілетті органның тиісті рұқсаты бар Қазақстан Республикасының резиденті - банкінің акцияларын иелену (дауыс беру, шешімді айқындау және (немесе) шарттың күшіне қарай не өзгеше түрде қабылдайтын шешімдерге ықпал ету мүмкіндігі болуы) арқылы осы ұйымның акцияларын немесе жарғылық капиталға қатысу үлестерін жанама иеленетін (дауыс беру, шешімді айқындау және (немесе) шарттың күшіне қарай не өзгеше түрде қабылданатын шешімдерге ықпал ету мүмкіндігі бар) банк холдингтеріне қолданылмайды.

Еншілес ұйымды құруға немесе сатып алуға уәкілетті органның рұқсатын алу жөніндегі талап осы Заңның 8-бабы 13-тармағының 2) тармақшасында көрсетілген банк холдингтеріне қолданылмайды. Көрсетілген банк холдингтері еншілес ұйым құрылған не еншілес ұйымның жарғылық капиталына қатысу үлестері немесе дауыс беретін акциялары сатып алынған жағдайда, заңды тұлға мемлекеттік тіркелген күннен бастап он төрт жұмыс күні ішінде уәкілетті органды еншілес ұйымның құрылғаны немесе сатып алынғаны туралы хабардар етуге міндетті.

Еншілес мекемені құруға немесе сатып алуға уәкілетті органның рұқсатын алу жөніндегі талап банкке оның осы Заңға сәйкес өзіне қайта құрылымдау жүргізілген басқа банкке бақылау жасауды сатып алуымен байланысты қолданылмайды.

Банкке немесе банк холдингіне еншілес ұйымды құруға немесе сатып алуға рұқсат беру тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

2. Қаржы ұйымдарының қызметінде, оның ішінде олардың қызметін автоматтандыру үшін пайдаланылатын бағдарламалық қамтылымды әзірлеуді, өткізуді, қолдап отыруды жүзеге асыратын Қазақстан Республикасының бейрезидент-ұйымдарын құруды немесе олардың капиталына қатысуды қоспағанда, банктердің еншілес ұйымдары еншілес ұйымдарды құруға және (немесе) оларға ие болуға, сондай-ақ капиталға қомақты қатысуға құқылы емес.

Бұл шектеу осы Заңға сәйкес өздеріне қатысты қайта құрылымдау жүргізілген және өздеріне бақылау жасауды басқа банк сатып алған банктерге, сондай-ақ осы Заңның 61-4-бабында көзделген операцияны жүзеге асырған және оларға бақылау жасауды басқа банк сатып алған банктерге қолданылмайды.

Банктің еншілес ұйымына:

1) осы Заңның 8-бабының 7-тармағында белгіленген шектеулерді сақтаған кезде Қазақстан Республикасының азаматтық заңнамасына және шет мемлекеттің заңнамасына сәйкес акцияларын немесе жарғылық капиталға қатысу үлестерін кепіл ретінде қабылдаған жағдайда олар банктің меншігіне өтетін заңды тұлғалар;

2) жарғылық капиталына банктің қатысуы осы Заңның 11-2-бабында айқындалған талаптар негізінде құрылған (сатып алынған) еншілес ұйымның акцияларын немесе жарғылық капиталға қатысу үлестерін иелену (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы жүзеге асырылатын заңды тұлғалар;

3) акцияларын немесе жарғылық капиталға қатысу үлестерін осы Заңның 52-9-бабында белгіленген банктік операцияларды жүзеге асырған кезде ислам банкі сатып алған заңды тұлғалар жатпайды.

3. Банк холдингтерінің еншілес ұйымдары, Қазақстан Республикасының резиденттері-еншілес банктерді, сондай-ақ осы Заңның 8-бабы 13-тармағының 2) тармақшасында көрсетілген банк холдингтерінің еншілес ұйымдарын қоспағанда, еншілес ұйымдарды құруға және (немесе) оларды иеленуге құқылы емес.

3-1. Еншілес ұйымды құруға, сатып алуға және (немесе) ұйымдардың капиталына қомақты қатысуға рұқсат бергені үшін мөлшері мен төлеу тәртібі Қазақстан Республикасының салық заңнамасында айқындалатын алым алынады.

4. Уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша ұсынылатын еншілес ұйымды құруға, сатып алуға рұқсат алуға берілген өтінішке мынадай құжаттар:

1) қаржылық есептілік депозитарийінің интернет-ресурсында болмаған немесе уәкілетті органның "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болмаған жағдайда – еншілес ұйымның құрылтай құжаттары;

2) еншілес ұйым құрылған жағдайда, оны құру туралы шешім не еншілес ұйымды иеленген жағдайда, оны иелену туралы шешім (қаржылық есептілік депозитарийінің интернет-ресурсында мәліметтер болмаған жағдайда), сондай-ақ лицензияланатын қызмет түрін жүзеге асырған жағдайда – лицензияның көшірмесі;

3) еншілес ұйымның басшы қызметкерлері (немесе басшы қызметкерлер лауазымына тағайындау немесе сайлау үшін ұсынылатын кандидаттар) туралы ақпарат;

4) қаржылық есептілік депозитарийінің интернет-ресурсында мәліметтер болмаған жағдайда, үлестес тұлғалар туралы мәліметтер қоса берілуі қажет.

Банкте банк холдингі болмаған жағдайда:

осы ұйымдар қауымдастығы меморандумының немесе ережелерінің шарттарына сәйкес олардың қызметін бірлескен негізде басқаруға;

егер көрсетілген ұйымдардың атқарушы органы, басқару органы (акционерлік қоғамдар үшін), байқаушы кеңесі (жауапкершілігі шектеулі серіктестік үшін) құрамының үштен бірінен астамын сол белгілі бір тұлғалар құрайтын болса, еншілес ұйымға байланысты ұйымдар туралы ақпарат;

5) уәкілетті органның нормативтік құқықтық актісінде қойылатын талаптары айқындалатын еншілес ұйымның бизнес-жоспары;

6) еншілес ұйым орналасқан елдің заңнамасын талдау негізінде Қазақстан Республикасының резиденті емес - банк конгломератына қатысушылар орналасқан елдердің заңнамасы олардың және банк конгломератының Қазақстан Республикасының заңнамалық актілерінде көзделген талаптарды орындау мүмкіндігін болғызбауына байланысты банк конгломератына шоғырландырылған қадағалауды жүргізу мүмкіндігінің болмауын көздейтін мән-жайлардың жоқ екендігі туралы ақпарат;

7) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

8) иеленетін еншілес ұйымның аудиторлық ұйым куәландырған, аяқталған соңғы есепті кезеңге қаржылық есептілігі;

9) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);
10) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

11) банк және (немесе) банк холдингі жарғылық капиталға қатысу үлесін немесе акцияларын сатып алу арқылы еншілес ұйымды сатып алатын заңды тұлға туралы:

заңды тұлғаның атауы мен орналасқан жерін;

банк және (немесе) банк холдингі құрылтайшысы (қатысушысы) болып табылатын заңды тұлғаның жарғылық капиталына банктің және (немесе) банк холдингінің қатысу үлесінің мөлшері, оны сатып алу бағасы туралы мәліметті;

банк және (немесе) банк холдингі акционері болып табылатын заңды тұлғаның акциялар саны, оларды сатып алу бағасы, олардың орналастырылған акциялардың (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) жалпы санына пайыздық арақатынасы туралы мәліметті;

заңды тұлғаның (банк және (немесе) банк холдингі құрылтайшысы, қатысушысы, акционері болған) қатысу үлесінің мөлшері, басқа заңды тұлғаның жарғылық капиталынан оны сатып алу бағасы туралы мәліметті;

банк және (немесе) банк холдингі акционері (құрылтайшысы, қатысушысы) болып табылатын заңды тұлға сатып алған акциялардың саны, сатып алу бағасы, олардың орналастырылған акциялардың (артықшылықты және қоғам сатып алған акциялары шегеріле отырып) жалпы санына пайыздық арақатынасы туралы мәліметті қамтитын деректер қоса берілуі қажет;

Бұл талаптар банк және (немесе) банк холдингі бірнеше заңды тұлғалардың жарғылық капиталға қатысу үлестерін немесе акцияларын сатып алу арқылы еншілес ұйымды сатып алатын жағдайларға қолданылады;

12) алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен;
13) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

13-1) "электрондық үкімет" төлем шлюзі арқылы ақы төлеу жағдайларын қоспағанда, рұқсат беру үшін алым төленгенін растайтын құжат;

14) бақылаудың туындау негізін көрсете отырып, олардың негізінде еншілес ұйымды бақылауды сатып алу көзделетін немесе бақылауды растайтын өзге де құжаттар қоса берілуі қажет.

5. Банк және (немесе) банк холдингі соңғы аяқталған екі қаржы жылының әрқайсысының қорытындылары бойынша шоғырландырылған және шоғырландырылмаған негіздерде қызметі шығынсыз болған жағдайда және уәкілетті органға рұқсат алуға өтініш берілген күннің алдындағы соңғы үш ай ішінде уәкілетті орган белгілеген пруденциалдық нормативтерді сақтаған, оның ішінде шоғырландырылған негізде сақтаған жағдайда еншілес ұйымды құруға құқылы.

6. Еншілес ұйымды құруға, сатып алуға рұқсат беруден бас тартуға:

1) ұсынылған құжаттар бойынша уәкілетті орган ескертулерінің жойылмауы;

2) құрылатын немесе сатып алынатын еншілес ұйым орналасқан елдің қаржы ұйымдарын шоғырландырылған қадағалау саласындағы заңнамасының Қазақстан Республикасының заңнамалық актілерінде белгіленген шоғырландырылған қадағалау жөніндегі талаптарға сәйкес келмеуі;

3) еншілес ұйымның басшы қызметкерлерінің (немесе басшы қызметкерлер лауазымына тағайындауға немесе сайлауға ұсынылатын кандидаттардың) осы Заңның 20-бабы 3-тармағының 3), 4), 5) және 6) тармақшаларының талаптарына сай келмеуі;

4) банктің және (немесе) банк холдингінің болжанып отырған еншілес ұйымдарының болуы нәтижесінде құрамына банк және (немесе) банк холдингі кіретін банк конгломератының пруденциалдық нормативтерді сақтамауы;

5) еншілес ұйымның қызметі немесе банк және (немесе) банк холдингі жоспарлаған инвестициялар салдарынан банктің, банк холдингінің немесе банк конгломератының қаржылық жай-күйінің нашарлауы көзделетін қаржылық салдарды талдау;

6) тәуекелдерді басқару және ішкі бақылау жүйелерінің, оның ішінде еншілес ұйымның қызметіне байланысты тәуекелдерге қатысты жүйелердің уәкілетті органның тәуекелдерді басқару және ішкі бақылау жүйелеріне қоятын талаптарына сәйкес келмеуі;

7) еншілес ұйым орналасқан елдің заңнамасында көзделген жағдайларда еншілес ұйымның белгіленген пруденциалдық нормативтерді, сондай-ақ банктің және банк холдингінің пруденциалдық нормативтерді сақтамауы, оның ішінде шоғырландырылған негізде сақтамауы және уәкілетті органға рұқсат алуға өтініш берген күннің алдындағы соңғы үш ай ішінде және (немесе) өтінішті қарау кезеңінде басқа да сақталуға міндетті нормативтер мен лимиттерді сақтамауы;

8) өтініш берілген күнге және құжаттарды қарау кезеңінде банкте және (немесе) банк холдингінде және (немесе) сатып алынуы болжанып отырған еншілес ұйымда осы Заңның 46-бабы 1-тармағының 1), 2), 3), 4), 5), 6), 9), 14) және 15) тармақшаларында, 47-1-бабында көзделген қолданыстағы қадағалап ден қою шараларының және (немесе) Қазақстан Республикасы Әкімшілік құқық бұзушылық туралы кодексінің 213-бабының алтыншы, сегізінші бөліктерінде, 227-бабында көзделген әкімшілік құқық бұзушылықтар үшін әкімшілік жазалардың болуы;

9) банк және (немесе) банк холдингі еншілес ұйымды - Қазақстан Республикасының резиденттері банкті, сақтандыру (қайта сақтандыру) ұйымын, инвестициялық портфельді басқарушыны құрған немесе иемденген жағдайларда, осы Заңда, Қазақстан Республикасының сақтандыру ісі және сақтандыру қызметі, бағалы қағаздар нарығы туралы заңнамасында көзделген Қазақстан Республикасының резиденттері банк немесе сақтандыру холдингі, банктің, сақтандыру (қайта сақтандыру) ұйымының, инвестициялық портфельді басқарушының ірі қатысушысы мәртебесін алуға келісім беруге қатысты талаптарды сақтамау;

10) банктің, банк холдингінің еншілес ұйымдарын құруға, банктердің, банк холдингтерінің заңды тұлғалардың акцияларына немесе жарғылық капиталдарына қатысу үлестеріне ие болуына қойылатын осы Заңның талаптарын банктің, банк холдингінің сақтамауы;

11) уәкілетті органға еншілес ұйымды құруға, оған ие болуға рұқсат алуға өтініш берілген күннің алдындағы соңғы аяқталған екі қаржы жылының әрқайсысының қорытындысы бойынша шоғырландырылған және шоғырландырылмаған негіздерде банктің және (немесе) банк холдингінің залал шеккен қызметі негіздер болып табылады.

7. Уәкілетті орган өтініш берілгеннен кейін елу жұмыс күні ішінде рұқсат беруге немесе рұқсат беруден бас тартуға міндетті.

Рұқсат беруден бас тартқан жағдайда уәкілетті орган өтініш берушіге бас тартудың негіздері туралы жазбаша хабарлауға міндетті.

Банк ашуға рұқсаттар алу шеңберінде берілген еншілес ұйымды құруға, оған ие болуға немесе микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат алуға арналған өтінішті уәкілетті орган көрсетілген рұқсаттарды беруге өтініштерді қарау үшін белгіленген мерзімдерде қарайды.

8. Банктің және (немесе) банк холдингінің еншілес ұйымы құрылтай құжаттарына енгізілген барлық өзгерістер мен толықтырулар туралы күнтізбелік отыз күн ішінде уәкілетті органды хабардар етуге міндетті.

9. Қазақстан Республикасының резиденті емес - банктің және (немесе) банк холдингінің еншілес ұйымы, сондай-ақ банк және (немесе) банк холдингі жарғылық капиталына қомақты қатысатын Қазақстан Республикасының резиденті емес - ұйым уәкілетті органға жүктелген шоғырландырылған қадағалауды жүзеге асыру жөніндегі функциялардың сапалы және уақтылы орындалуын қамтамасыз ету мақсатында тиісті сұрау салу негізінде уәкілетті органға қажетті ақпаратты ашып көрсетуге міндетті. Бұл ретте алынған мәліметтер жария болмауға тиіс.

10. Банк және (немесе) банк холдингі уәкілетті органның рұқсаты болмаған кезде басқа заңды тұлғаға бақылау жасау белгілерін иеленген жағдайда, уәкілетті орган банкке және (немесе) банк холдингіне қатысты осы Заңда көзделген қадағалап ден қою шараларын қолданады. Бұл жағдайда банк және (немесе) банк холдингі заңды тұлғаның өздеріне тиесілі акцияларын (жарғылық капиталға қатысу үлестерін) бақылау жасау белгілері туындаған немесе уәкілетті орган аталған бұзушылықты анықтаған кезден бастап алты ай ішінде олармен ерекше қатынасы жоқ тұлғаларға иеліктен шығаруға және уәкілетті органға растайтын құжаттарды ұсынуға тиіс.

11. Банктің және (немесе) банк холдингінің ұйымдардың жарғылық капиталына қомақты қатысуына уәкілетті органның алдын ала рұқсаты болғанда ғана жол беріледі.

Ұйымның капиталына қомақты қатысуға уәкілетті органның рұқсатын алу жөніндегі талап:

1) көрсетілген ұйымның акцияларын немесе жарғылық капиталға қатысу үлестерін тікелей иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) және уәкілетті органның тиісті рұқсаты бар Қазақстан Республикасының резидент банкінің акцияларын иелену (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы осы ұйымның акцияларын немесе жарғылық капиталға қатысу үлестерін жанама иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) банк холдингтеріне;

2) осы Заңның 11-2-бабында айқындалған талаптармен құрылған (иеленген) еншілес ұйымның акцияларына немесе жарғылық капиталға қатысу үлестеріне иелік ету (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы заңды тұлғалардың жарғылық капиталына қатысуды жүзеге асырған жағдайда банктерге;

3) осы Заңның 8-бабының 7-тармағында белгіленген шектеулер сақталған кезде, Қазақстан Республикасының азаматтық заңнамасына және шет мемлекеттің заңнамасына сәйкес банк кепіл ретінде қабылдаған, заңды тұлғалардың акциялары немесе жарғылық капиталға қатысу үлестері өздерінің меншігіне өткен жағдайда банктерге қолданылмайды.

Ислам банкі өндірістік және сауда қызметін қаржыландыру кезінде заңды тұлғалардың жарғылық капиталына қатысу жолымен және (немесе) әріптестік талаптары бойынша акцияларды (жарғылық капиталына қатысу үлестерін) сатып алған жағдайда, оның ұйымдар капиталына қомақты қатысуына уәкілетті орган рұқсатының болуы талап етілмейді.

Банкке немесе банк холдингіне ұйымдардың капиталына қомақты қатысуға рұқсат беру уәкілетті органның нормативтік құқықтық актісінде айқындалған тәртіппен жүзеге асырылады.

Банк және (немесе) банк холдингі уәкілетті органның алдын ала келісімін алмастан ұйымның жарғылық капиталына қомақты қатысуды сатып алған жағдайда уәкілетті орган банкке және (немесе) банк холдингіне осы Заңда көзделген қадағалап ден қою шараларын қолданады. Бұл жағдайда банк және (немесе) банк холдингі өздері капиталына қомақты қатысатын ұйымның оларға тиесілі акцияларын (жарғылық капиталға қатысу үлестерін) банкпен және (немесе) банк холдингімен ерекше қатынасы жоқ тұлғаларға иеліктен шығаруға және алты ай ішінде уәкілетті органға растайтын құжаттарды ұсынуға тиіс.

12. Уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша ұйымдардың капиталына қомақты қатысуға рұқсат алуға арналған өтініш осы баптың 4-тармағының 2), 3), 5), 6) және 11) тармақшаларында көзделген құжаттар, сондай-ақ "электрондық үкімет" төлем шлюзі арқылы ақы төлеу жағдайларын қоспағанда, ұйымдардың капиталына қомақты қатысуға рұқсат беру үшін алым төленгенін растайтын құжат қоса беріле отырып ұсынылады.

Ұйымдардың капиталына қомақты қатысуға рұқсат беруден бас тарту осы баптың 6-тармағында көзделген негіздер бойынша жүргізіледі.

13. Уәкілетті орган:

1) рұқсат беруге негіз болған анық емес мәліметтер анықталған;

2) банктің және (немесе) банк холдингінің еншілес ұйымы, сондай-ақ капиталына банк және (немесе) банк холдингі қомақты қатысатын ұйым қызметінің осы Заңның 8-бабы 3-тармағының талаптарына сәйкес келмейтіні анықталған жағдайларда, еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға рұқсатты кері қайтарып алады.

Еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға рұқсатты кері қайтарып алған кезде уәкілетті орган рұқсатты кері қайтарып алуға негіз болып табылатын факт анықталған күннен бастап екі ай ішінде бұрын берілген рұқсаттың күшін жою туралы шешім қабылдайды.

13-1. Уәкілетті орган:

1) еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға рұқсат кері қайтарып алынған;

2) банктің және (немесе) банк холдингінің еншілес ұйымының, банк және (немесе) банк холдингі капиталына қомақты қатысатын ұйымдардың қызметі қайта ұйымдастырылу (бірігу, қосылу нысанында) немесе таратылу жолымен тоқтатылған;

3) банкте және (немесе) банк холдингінде еншілес ұйымды бақылау белгілері болмаған;

4) банкте және (немесе) банк холдингінде ұйымның капиталына қомақты қатысу белгілері болмаған;

5) осы Заңның 17-1-бабы 18-тармағының үшінші бөлігіне сәйкес банк холдингінің мәртебесіне ие болуға уәкілетті орган берген келісімнің күші жойылған жағдайларда, еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға бұрын берілген рұқсаттың күшін жою туралы шешім қабылдайды.

Уәкілетті орган банктің, банк холдингінің осы тармақтың бірінші бөлігінің 2), 3) және 4) тармақшаларында көзделген негіздер бойынша бұрын берілген рұқсаттың күшін жою туралы растайтын құжаттармен қоса берілген өтінішін алған күннен кейінгі не уәкілетті орган берілген рұқсаттың күшін жоюға негіз болып табылатын фактілерді анықтаған күннен кейінгі күннен бастап уәкілетті органның еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға берілген рұқсатының күші жойылды деп есептеледі.

Осы тармақтың бірінші бөлігінің 5) тармақшасында көзделген жағдайда, уәкілетті органның банк холдингі мәртебесіне ие болуға берілген келісімінің күші жойылған күннен бастап уәкілетті органның еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға бұрын берілген рұқсатының күші жойылды деп есептеледі.

13-2. Еншілес ұйымды құруға, оған ие болуға, ұйымның капиталына қомақты қатысуға рұқсат осы баптың 13-тармағының бірінші бөлігінде көрсетілген негіздер бойынша кері қайтарып алынған жағдайда, банк және (немесе) банк холдингі осындай рұқсат кері қайтарып алынған күннен бастап алты ай ішінде көрсетілген ұйымдардың өздеріне тиесілі акцияларын (жарғылық капиталына қатысу үлестерін) осы банкпен немесе банк холдингімен ерекше қатынастары жоқ тұлғаларға иеліктен шығаруды жүргізуге және уәкілетті органға растайтын құжаттарды ұсынуға міндетті.

Еншілес ұйымды құруға, оған ие болуға, ұйымдардың капиталына қомақты қатысуға рұқсатты кері қайтарып алу және (немесе) оның күшін жою тәртібі уәкілетті органның нормативтік құқықтық актісінде белгіленеді."

14. Осы баптың талаптары:

1) банктің осы Заңның 11-2-бабында айқындалған талаптар негізінде еншілес ұйымды құру (сатып алу) жағдайларына;

2) мына талаптардың бірін орындаған кезде:

банк холдингінде, банк холдингінің белгілеріне ие тұлғада тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингінің, сондай-ақ аталған тұлғалар шыққан елдің қаржылық қадағалау органының олардың шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банк холдингi, банк холдингiнiң белгiлерiн иеленушi тұлға болып табылатын Қазақстан Республикасының резидентi еместерінiң еншiлес немесе тәуелдi ұйымдары болып табылатын Қазақстан Республикасының резидентi еместеріне, сондай-ақ еншiлес және тәуелдi ұйымдарды - Қазақстан Республикасының резиденті еместерiн құрған немесе сатып алған кезде банк холдингi, банк холдингiнiң белгiлерiн иеленушi тұлға болып табылатын Қазақстан Республикасының резиденті еместеріне қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді;

3) олар Қазақстан Республикасының заңнамасында айқындалған тәртіппен біріктіру нысанында қайта ұйымдастыруды жүргізген кезде, банктің басқа банк акцияларын не басқа банкке тиесілі заңды тұлғалардың жарғылық капиталдарындағы акциялары мен қатысу үлестерін сатып алу жағдайларына қолданылмайды.

15. Егер банк холдингі еншілес қаржы ұйымын құрған немесе иеленген не капиталға қатысуға тиісті рұқсат беру құжаттарын алу Қазақстан Республикасының заңнамасында көзделген қаржы ұйымының капиталына қомақты қатысуды иеленген жағдайда, банк холдингіне еншілес ұйым құруға немесе иеленуге және (немесе) капиталға қомақты қатысуға рұқсатты қаржы ұйымының акцияларына Қазақстан Республикасының заңнамасында белгіленген мөлшерде иелік ету, пайдалану және (немесе) билік ету құқығын беретін тиісті құжатты бір мезгілде бере отырып, рұқсат бергені үшін алымның төленгенін растайтын құжатты қоспағанда, осы бапта көзделген тиісті құжаттар ұсынылмай уәкілетті орган береді.

Осы тармақтың бірінші бөлігінің талаптары банк холдингі мәртебесін иеленуге ниет білдіретін тұлғаларға қолданылады.

16. Егер банктің еншілес ұйымды немесе ұйымның капиталына қомақты қатысуды сатып алуы банктің осы Заңның 8-бабы 3-тармағының 1) тармақшасында көрсетілген ұйымдардың кепіл ретінде қабылдаған акцияларын немесе жарғылық капиталдарына қатысу үлестерін өз меншігіне айналдыруы нәтижесінде орын алған жағдайда, уәкілетті орган банкке қадағалап ден қою шараларын қолдану шеңберінде белгілеген мерзімде, банк уәкілетті органның еншілес ұйымды құруға немесе сатып алуға немесе ұйымдардың капиталына қомақты қатысуға рұқсатын алуға міндетті.

Ескерту. 11-1-бап жаңа редакцияда - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), өзгерістер енгізілді - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.12.24 № 60-V (алғашқы ресми жарияланғанынан кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi), 2012.12.26 № 61-V (2012.02.04 бастап қолданысқа енгізіледі), 21.06.2013 № 106-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 25.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 25.11.2019 № 272-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2020 № 359-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

11-2-бап. Бас банктiң күмәндi және үмiтсiз активтерiн иеленетін банктердiң еншiлес ұйымдары және қатысушылары банк және екінші деңгейдегі банктердің кредиттік портфелдерінің сапасын жақсартуға маманданатын ұйым болып табылатын күмәндi және үмiтсiз активтерді иеленетін ұйым

Ескерту. 11-2-баптың тақырыбы жаңа редакцияда - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңымен.

1. Банк уәкілетті органның алдын ала рұқсаты болған кезде ғана өзіне осы Заңның 8-бабында берілген өкілеттіктерді жүзеге асыру мақсатында бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйымды құруға немесе сатып алуға құқылы.

Бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйымды банктің құруына немесе сатып алуына рұқсат берудің тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

1-1. Банк екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйыммен бірлесіп күмәнді және үмітсіз активтерді иеленетін ұйым құруға (иеленуге) құқылы.

Егер осы тармақтың бірінші бөлігінде көрсетілген ұйымды құру немесе иелену нәтижесінде банкте осы ұйымның капиталына қомақты қатысу туындаған жағдайда, осы қатысуға уәкілетті органның алдын ала рұқсаты болған кезде ғана жол беріледі.

Қазақстан Республикасының азаматтық заңнамасында көрсетілген мүлік, сондай-ақ банктердің күмәнді және үмітсіз активтері және (немесе) екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым иеленген банктің күмәнді және үмітсіз активтер бойынша талап ету құқықтары осы тармақтың бірінші бөлігінде көрсетілген, жауапкершілігі шектеулі серіктестіктің ұйымдық-құқықтық нысанында құрылған ұйымның жарғылық капиталына салым болуы мүмкін.

Осы тармақтың бірінші бөлігінде көрсетілген ұйым, осы баптың 4-тармағында көзделген қызмет түрлерін жүзеге асыруға байланысты шығыстарға ақы төлеуге жіберілген ақшаны қоспағанда, өзінің қызметінен алынған ақшаны осы ұйымның қатысушыларының (акционерлерінің) жалпы жиналысында бекітілетін күмәнді және үмітсіз активтердің сапасын жақсарту жөніндегі іс-шаралар жоспарында көзделген тәртіппен және мөлшерде өзінің қатысушыларына (акционерлеріне) аударуға міндетті.

2. Бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйым осы баптың 4-тармағында көзделген қызмет түрлерін жүзеге асыруға байланысты шығыстарды төлеу үшін жұмсалатын ақшаны қоспағанда, өз қызметінен алынған ақшаны бас банкке аударуға міндетті.

3. Бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйым қызметінің тәртібі, сатып алынған күмәнді және үмітсіз активтерді еншілес ұйымдардың басқару мерзімі, сондай-ақ ол сатып алатын (сатып алған) күмәнді және үмітсіз активтерге қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

4. Бас банктің күмәнді және үмітсіз активтерін иеленетін банктің еншілес ұйымы, сондай-ақ күмәнді және үмітсіз активтерді иеленетін, қатысушылары банк және екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым болып табылатын ұйым:

1) банктің күмәнді және үмітсіз активтерін иеленуге және өткізуге;

2) жылжымалы және жылжымайтын мүлікті және (немесе) иеленген күмәнді және үмітсіз талап ету құқықтары бойынша кепілге салынған мүлікке өндіріп алуды қолдану нәтижесінде банктің меншігіне өткен, аяқталмаған құрылыс объектілеріне меншік құқығын иеленуге және өткізуге;

3) заңды тұлғалардың акцияларын және (немесе) жарғылық капиталға қатысу үлестерін иеленген күмәнді және үмітсіз талап ету құқықтары бойынша кепіл (бас тарту төлемі немесе қамтамасыз ету) ретінде қабылдаған не кепілге салынған мүлікке өндіріп алуды қолдану нәтижесінде бас банктің меншігіне өткен жағдайларда, оларды иеленуге және өткізуге;

4) мүлікке өндіріп алуды қолдану нәтижесінде оның меншігіне өткен, кепіл нысанасы, өзге де қамтамасыз ету ретінде болған немесе банктен иеленген күмәнді және үмітсіз талап ету құқықтары бойынша бас тарту төлемі түрінде алынған, сондай-ақ осы тармақтың 2) тармақшасында көрсетілген мүлікті жалға беруге немесе осындай мүлікті өтеулі уақытша пайдаланудың өзге де нысанын пайдалануға;

5) иеленген күмәнді және үмітсіз талап ету құқықтарының немесе өзге де активтердің сапасын жақсарту мақсатында уәкілетті органның нормативтік-құқықтық актісінде белгіленген өзге де қызмет түрлерін жүзеге асыруға құқылы.

4-1. Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде сервистік компания ретінде әрекет етуге құқылы.

Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы шарттарды тіркеу журналында құқықтарды (талаптарды) сенімгерлік басқарудың барлық шарттарын тіркейді және құқықтарды (талаптарды) сенімгерлік басқару шартында берілуі көзделген қабылданатын және өзге де құжаттарды есепке алуды жүргізеді.

Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде:

тараптардың келісімі бойынша өзімен құқықтарды (талаптарды) сенімгерлік басқару шарты жасалған тұлға берген өкілеттіктер шеңберінде банктік қарыз шартының немесе микрокредит беру туралы шарттың талаптарын өзгертуге құқылы. Банктік қарыз шартының және (немесе) микрокредит беру туралы шарттың талаптары осы Заңның 34-бабы 3-тармағының екінші бөлігіне және "Микроқаржылық қызмет туралы" Қазақстан Республикасы Заңының 3-бабы 6-тармағының екінші бөлігіне сәйкес қарыз алушы үшін жақсартылған жағдайларда, оларды біржақты тәртіппен өзгертуге жол беріледі;

өзімен құқықтарды (талаптарды) сенімгерлік басқару шарты жасалған тұлғаның мүдделерін сотта, оның ішінде берешекті өндіріп алу және (немесе) кепіл затына өндіріп алуды қолдану процесінде, білдіруге;

борышкерден өзімен құқықтарды (талаптарды) сенімгерлік басқару шарты жасалған тұлғаның мүддесі үшін берешекті өтеу есебіне қолма-қол емес нысандағы ақшаны және (немесе) өзге де мүлікті, кейіннен осындай ақшаны және (немесе) осындай мүлікті оның пайдасына беретін болып, қабылдауға;

бағалаушылардың, аудиторлардың, заңгерлердің және өзге де консультанттардың көрсетілетін қызметтерін пайдалануға;

құқықтарды (талаптарды) сенімгерлік басқару шартында көзделген өзге де құқықтарды жүзеге асыруға құқылы.

Бас банктің күмәнді және үмітсіз активтеріне ие болатын, сервистік компания ретінде әрекет ететін банктің еншілес ұйымына сыйақыны, сондай-ақ сенімгерлік басқарумен байланысты шығыстарды банктік қарыз шарттары және (немесе) микрокредит беру туралы шарттар бойынша құқықтарға (талаптарға) ие болған тұлға құқықтарды (талаптарды) сенімгерлік басқару шартының талаптарына сәйкес төлейді (өтейді).

Қарыз алушы және (немесе) оның өкілі:

1) құқықтарды (талаптарды) сенімгерлік басқару шартын жасасқан тұлғадан бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы, оның орналасқан жері, онда қарыз алушының дербес деректерінің болуы, берешектің мөлшері мен құрылымы туралы мәліметтерді алуға;

2) жүгіну себептерін негіздей отырып, бас банктің күмәнді және үмітсіз активтеріне ие болатын, құқықтарды (талаптарды) сенімгерлік басқару шартына сәйкес сенімгерлік басқаруды жүзеге асыратын банктің еншілес ұйымына банктік қарыз шарты және (немесе) микрокредит беру туралы шарт бойынша міндеттемелерді орындаумен байланысты көрсетілген шарттың талаптарын өзгерту туралы өтінішпен жүгінуге құқылы.

4-2. Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы "Коллекторлық қызмет туралы" Қазақстан Республикасы Заңының 5-бабының 1, 2, 4-тармақтарында, 5-тармағының 1), 3), 4), 5), 6) және 9) тармақшаларында және 6-тармағында көзделген талаптарды ескере отырып, құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде қарыз алушылармен өзара іс-қимылды жүзеге асырады және құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде Қазақстан Республикасының заңнамасымен кредитор мен борышкердің банктік қарыз шарты және (немесе) микрокредит беру туралы шарт шеңберіндегі өзара қатынастарына қойылатын талаптар мен шектеулерді сақтауға міндетті.

Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы өзінің қызметін ерікті түрде тоқтату туралы шешім қабылдаған не сот бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымының қызметін тоқтату туралы шешім қабылдаған жағдайда:

1) жоғарыда көрсетілген шешім қабылданғаннан кейін күнтізбелік отыз күн ішінде:

өзіне банктік қарыз шарты және (немесе) микрокредит беру туралы шарт бойынша құқықтар (талаптар) берілген тұлғаға не оның нұсқауы бойынша мұндай тұлға құқықтарды (талаптарды) сенімгерлік басқарудың жаңа шартын жасасқан сервистік компанияға құқықтарды (талаптарды) сенімгерлік басқару шарты негізінде, өз қызметін ерікті түрде тоқтату туралы шешім қабылданған не сот оның қызметін тоқтату туралы шешім қабылдаған күнге бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымына берілген, банктік қарыз шарттары және (немесе) микрокредит беру туралы шарттар бойынша құқықтар (талаптар) бойынша барлық мәліметтер мен құжаттарды беруге;

құқықтарды (талаптарды) сенімгерлік басқарудың жасалған барлық шарттарын бұзуға міндетті.

Өзіне банктік қарыз шарты және (немесе) микрокредит беру туралы шарт бойынша құқықтар (талаптар) берілген тұлға не мұндай тұлға құқықтарды (талаптарды) сенімгерлік басқарудың жаңа шартын жасасқан сервистік компания осы тармақтың екінші бөлігі 1) тармақшасының екінші абзацында көзделген жағдайда, мәліметтер мен құжаттардың қабылдануын қамтамасыз етуге міндетті;

2) жоғарыда көрсетілген шешім қабылданған күннен бастап күнтізбелік бес күн ішінде бұл туралы:

құқықтарды (талаптарды) сенімгерлік басқару шартында көзделген тәсілдермен өздерімен құқықтарды (талаптарды) сенімгерлік басқару шарттары жасалған тұлғаларды;

өздеріне банктік қарыз шарттары немесе микрокредит беру туралы шарттар бойынша құқықтар (талаптар) құқықтарды (талаптарды) сенімгерлік басқару шарттары негізінде берілген борышкерлерді мына тәсілдердің бірімен:

бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымының борышкерлермен байланыстарға арналған телефон нөмірлерінен телефонмен сөйлесу арқылы;

жеке кездесулер арқылы;

борышкер – жеке тұлғаға тұрғылықты жері (заңды мекенжайы) бойынша, борышкер – заңды тұлғаға орналасқан жері (нақты мекенжайы) бойынша жіберілетін жазбаша (пошталық) хабарламалар арқылы;

ұялы байланыс бойынша мәтіндік, дауыстық және өзге де хабарлар арқылы;

Интернет желісі арқылы хабардар етуге міндетті.

5. Уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша ұсынылатын бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйымды құруға, сатып алуға рұқсат алуға арналған өтінішке осы Заңның 11-1-бабы 4-тармағының 1), 2), 3), 4), 11), 13-1) және 14) тармақшаларында көзделген құжаттар мен мәліметтер, сондай-ақ:

1) алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

2) еншілес ұйымды сатып алған жағдайда тиісті өтініш берудің алдындағы соңғы аяқталған тоқсан үшін еншілес ұйымның қаржылық есептілігі;

3) оларға қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде айқындалатын күмәнді және үмітсіз активтердің сапасын жақсарту бойынша бизнес-жоспар мен іс-шаралар жоспары қоса беріледі.

5-1. Күмәнді және үмітсіз активтерді сатып алатын, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйыммен бірлесіп құрылатын (сатып алынатын) ұйымның капиталына қомақты қатысуға рұқсатты алуға арналған өтінішке осы Заңның 11-1-бабы 4-тармағының 2), 3) және 11) тармақшаларында және осы баптың 5-тармағының 2) және 3) тармақшаларында көзделген құжаттар мен мәліметтер, сондай-ақ электрондық үкімет" төлем шлюзі арқылы ақы төлеу жағдайларын қоспағанда, ұйымдардың капиталына қомақты қатысуға рұқсат бергені үшін алымның төленгенін растайтын құжат қоса беріледі.

Күмәнді және үмітсіз активтерді иеленетін, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйыммен бірлесіп құрылатын (иеленетін) ұйымның капиталына қомақты қатысуға рұқсат беруден бас тарту осы баптың 6-тармағында көзделген негіздер бойынша жүргізіледі.

6. Бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйымды құруға, сатып алуға рұқсат беруден бас тартуға:

1) осы Заңның 11-1-бабы 6-тармағының 1), 3) және 4) тармақшаларында көзделген негіздер;

2) еншілес ұйымға берілетін күмәнді және үмітсіз активтердің осы баптың 4-тармағының талаптарына және (немесе) уәкілетті органның нормативтік құқықтық актісінің талаптарына сәйкес келмеуі негіз болады.

7. Бас банктің күмәнді және үмітсіз активтерін иеленетін банктердің еншілес ұйымдары, сондай-ақ қатысушылары банк және екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым болып табылатын күмәнді және үмітсіз активтерді иеленетін ұйым банктік қарыз шарттары бойынша банк берген талап ету құқықтары бойынша банктік қарыз операциялары жөніндегі кредиторлар (қарыз берушілер) болып танылады және банк талап ету құқықтарын ұйымның пайдасына берген банктік қарыз шартында белгіленген банктің барлық құқықтары мен міндеттеріне ие болады.

8. Алып тасталды - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңымен.
9. Алып тасталды - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңымен.
Ескерту. Заң 11-2-баппен толықтырылды - ҚР 2011.12.28 № 524-IV (2011.01.01 бастап қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 25.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 25.11.2019 № 272-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

2-тарау. Банк құру және банк қызметiн жүзеге асыру

Ескерту. 2-тараудың тақырыбы жаңа редакцияда – ҚР 2005.07.08. № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

12-бап.

Ескерту. 12-бап алып тасталды – ҚР 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен.

13-бап. Уәкiлеттi органның банк ашуға рұқсат беруi

1. Банк ашуға рұқсат беру тәртiбi Қазақстан Республикасының банк заңнамасында айқындалады.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат беру тәртібі Қазақстан Республикасының микроқаржылық қызмет туралы заңнамасында айқындалады.

2. Банк ашуға берiлген рұқсаттың банк операцияларын жүргiзуге банкке лицензия беру туралы уәкiлеттi орган шешiм қабылдағанға дейiн заңды күшi болады.

3. Банк ашуға берiлген рұқсат:

1) банк қайта ұйымдастыру немесе тарату арқылы өз қызметін ерікті түрде тоқтату туралы шешім қабылдаған;

2) сот банктің қызметін тоқтату туралы шешім қабылдаған;

3) банк ашуға рұқсат берілген күннен бастап екі ай ішінде банк ретінде Заңды тұлғаны мемлекеттік тіркеу корпорациясынан өтпеген;

4) банк ашуға рұқсат берілген күннен бастап бір жыл ішінде банк операцияларын немесе өзге де операцияларды жүргізуге арналған лицензияны алмаған жағдайларда күші жойылды деп есептеледі.

Осы тармақтың бірінші бөлігінің 3) тармақшасында көзделген жағдайда, еншілес ұйымды құруға немесе иеленуге, ұйымның капиталына қомақты қатысуға бұрын берілген рұқсаттардың және банктің ірі қатысушысы, банк холдингі мәртебесін иеленуге келісімнің күші жойылды деп есептеледі.

4. Банк өзiне банк ашуға берiлген рұқсатты ерiктi түрде қайтаруға және заңда белгiленген тәртiппен қайта тiркелуге құқылы.

Ескерту. 13-бап жаңа редакцияда - ҚР 1997.07.11. № 154 Заңымен, өзгерістер енгізілді - ҚР 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

13-1-бап. Қазақстан Республикасы бейрезидент-банкінің филиалын ашу

1. Қазақстан Республикасының бейрезидент-банкі мынадай талаптар орындалған кезде Қазақстан Республикасының аумағында филиал ашуға рұқсат алу үшін уәкілетті органға жүгінуге құқылы:

1) Қазақстан Республикасы бейрезидент-банкінің жиынтық активтерінің сомасы жиырма миллиард АҚШ долларына балама сомадан төмен болмауға тиіс;

2) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекет қылмыстық жолмен алынған кірістерді заңдастырудың (жылыстатудың) және терроризмді қаржыландырудың алдын алу және оған қарсы іс-қимыл саласындағы халықаралық ынтымақтастыққа қатысушы болып табылады, сондай-ақ ақшаны жылыстатуға қарсы күрестің қаржылық шараларын әзірлеу тобымен (ФАТФ) ынтымақтастықты жүзеге асырады;

3) уәкілетті орган мен Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының арасында келісімнің болуы.

Уәкілетті орган мен Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының арасындағы келісімде бағалы қағаздар нарығындағы коммерциялық құпияны, банк құпиясын, сақтандыру құпиясын немесе заңмен қорғалатын өзге де құпияны құрайтын құпия ақпаратты алмасу тәртібі, Қазақстан Республикасы бейрезидент-банкінің филиалын ашу, Қазақстан Республикасы бейрезидент-банкінің және оның филиалының қызметін лицензиялау, басшы қызметкерлерін келісу, қызметін реттеу, бақылау мен қадағалау (оның ішінде қызметіне тексерулер жүргізу) және тоқтату мәселелері бойынша ынтымақтасу тәртібі, сондай-ақ бақылау және қадағалау функцияларын жүзеге асыру мақсаттары үшін өзара іс-қимылдың өзге де мәселелері қамтылуға тиіс;

4) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының Қазақстан Республикасының аумағында Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға қарсылық білдірмейтіні туралы жазбаша хабарламасының не көрсетілген мемлекеттің қаржылық қадағалау органының Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің заңнамасы бойынша мұндай рұқсаттың талап етілмейтіні туралы мәлімдемесінің болуы;

5) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының Қазақстан Республикасы бейрезидент-банкінің банк қызметін жүзеге асыруға қолданыстағы лицензиясының бар екені туралы жазбаша растауының болуы.

2. Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру туралы қазақ немесе орыс тіліндегі өтініш уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша мынадай құжаттармен қоса беріледі:

1) Қазақстан Республикасы бейрезидент-банкінің Қазақстан Республикасының аумағында филиал ашу туралы шешімі;

2) Қазақстан Республикасы бейрезидент-банкінің филиалы туралы ереженің жобасы;

3) Қазақстан Республикасы бейрезидент-банкінің құрылтай құжаттарының (салыстырып тексеру үшін түпнұсқаларын ұсынбаған жағдайда нотариат куәландырған) көшірмелері;

4) уәкілетті орган айқындаған нысан бойынша Қазақстан Республикасының бейрезидент-банкі туралы мәліметтер, оның ішінде аяқталған соңғы екі қаржы жылы үшін аудиторлық ұйым растаған қаржылық есептілік (бар болса шоғырландырылған есептілікті қоса алғанда);

5) Қазақстан Республикасы бейрезидент-банкі филиалының ұйымдық құрылымы және Қазақстан Республикасы бейрезидент-банкінің үлестес тұлғалары туралы мәліметтер;

6) Қазақстан Республикасы бейрезидент-банкінің лауазымды адамы не Қазақстан Республикасының бейрезидент-банкі құжаттарға қол қоюға уәкілеттік берген адам бекіткен Қазақстан Республикасы бейрезидент-банкі филиалының бизнес-жоспары. Бизнес-жоспардың мазмұнына қойылатын талаптарды уәкілетті орган белгілейді, оған қызмет стратегиясын, қызмет бағыттары мен ауқымдарын, қаржылық перспективаларды ашып көрсету (бюджет, активтер мен міндеттемелер туралы есеп, алғашқы үш қаржы (операциялық) жылы үшін кірістер мен шығыстар туралы есеп, маркетинг жоспары (Қазақстан Республикасы бейрезидент-банкі филиалының клиентурасын қалыптастыру), еңбек ресурстарын тарту жоспары, тәуекелдерді басқаруды ұйымдастыру кіреді;

7) алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен;

8) Қазақстан Республикасының бейрезидент-банкінде өтініш берілетін күнге тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленетін рейтингтік агенттіктердің бірінің ең төмен талап етілетін рейтингінің болуын куәландыратын құжат;

9) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының Қазақстан Республикасының аумағында Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға қарсылығының жоқ екені туралы жазбаша хабарламасы не Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің заңнамасы бойынша мұндай рұқсаттың талап етілмейтіні туралы мәлімдемесі;

10) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының Қазақстан Республикасының бейрезидент-банкінде банк қызметін жүзеге асыруға қолданыстағы лицензиясының бар екені туралы жазбаша растауы;

11) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының Қазақстан Республикасы бейрезидент-банкінің өтініш ұсынудың алдындағы екі жыл ішінде Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің заңнамасында белгіленген пруденциялық нормативтер мен сақталуы міндетті өзге де нормалар мен лимиттерді бұзбағаны туралы жазбаша растамасы;

12) Қазақстан Республикасы бейрезидент-банкінің Қазақстан Республикасының аумағында әрекет ететін өз филиалының қызметіне байланысты міндеттемелер филиал тарапынан орындалмаған және (немесе) тиісінше орындалмаған жағдайларда оларды осы Қазақстан Республикасы бейрезидент-банкінің сөзсіз және дереу орындайтыны туралы жазбаша міндеттемесі;

13) алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен;

14) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы берген Қазақстан Республикасы бейрезидент-банкінің қолданыстағы лицензиясының көшірмесі;

15) "Заңды тұлғаларды мемлекеттік тіркеу және филиалдар мен өкілдіктерді есептік тіркеу туралы" Қазақстан Республикасы Заңының 6-2-бабында көзделген құжаттар.

Уәкілетті орган Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру туралы шешім қабылдауға қажетті қосымша ақпаратты немесе құжаттарды сұратуға құқылы.

Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру туралы өтінішті уәкілетті орган қарап жатқан кез келген сәтте кері қайтарып алуы мүмкін.

Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

3. Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беруден бас тарту мынадай негіздердің кез келгені бойынша жүргізіледі:

1) осы баптың 1-тармағында белгіленген талаптарға сәйкес келмеу;

2) осы баптың 2-тармағы бірінші бөлігінің 8) және 11) тармақшаларында белгіленген талаптарды сақтамау;

3) бизнес-жоспардың және өзге де ұсынған құжаттардың:

алғашқы үш қаржы (операциялық) жылы өткеннен кейiн Қазақстан Республикасы бейрезидент-банкінің филиалы қызметiнiң рентабельдi болатынын;

Қазақстан Республикасы бейрезидент-банкі филиалының тәуекелдi шектеуге қойылатын талаптарды сақтауға және тиiсті басқару құрылымын құруға ниетті екенін;

Қазақстан Республикасы бейрезидент-банкі филиалының өз қызмет жоспарларына сәйкес келетін ұйымдық құрылымының бар екенін;

Қазақстан Республикасы бейрезидент-банкі филиалының өз қызмет жоспарларына сәйкес келетін есепке алу және бақылау құрылымы бар екенін көрсетпеуі;

4) Қазақстан Республикасы бейрезидент-банкінің филиалы атауының осы Заңның 4-1-бабы 2-тармағының талаптарына сәйкес келмеуі;

5) уәкілетті органның ұсынылған құжаттар бойынша ескертулерін ол белгілеген мерзімде жоймау.

Уәкілетті орган Қазақстан Республикасының бейрезидент-банкін бас тарту негіздері туралы жазбаша хабардар етеді.

4. Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға берiлген рұқсаттың күші:

1) Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтату туралы шешім қабылдаған;

2) уәкілетті орган Қазақстан Республикасы бейрезидент-банкінің филиалын банк операцияларын немесе өзге де операцияларды жүргізуге арналған лицензиядан айыру туралы шешім қабылдаған;

3) Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат берілген күннен бастап екі ай ішінде Корпорацияда есептік тіркеуден өтпеген;

4) Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат берілген күннен бастап бір жыл ішінде банк операцияларын және өзге де операцияларды жүргізуге арналған лицензияны алмаған жағдайларда, жойылды деп есептеледі.

5. Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру туралы өтінішті уәкілетті орган өтініш берілген күннен бастап алпыс бес жұмыс күні ішінде қарайды.

Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға рұқсат беру туралы хабарлама Қазақстан Республикасының бейрезидент-банкіне және Корпорацияға жіберіледі.

Уәкілетті орган Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға берілген рұқсаттардың есебін жүргізеді.

Уәкілетті орган Қазақстан Республикасы бейрезидент-банкінің филиалына банк операцияларын және өзге де операцияларды жүргізуге арналған лицензияны беру туралы шешім қабылдағанға дейін Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға берілген рұқсаттың заңды күші болады.

6. Қазақстан Республикасы бейрезидент-банкінің филиалын есептік тіркеуді Корпорация уәкілетті органның Қазақстан Республикасы бейрезидент-банкінің филиалын ашуға берген рұқсаты негізінде жүзеге асырады.

Ескерту. 13-1-баппен толықтырылды – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); өзгеріс енгізілді – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

14-бап. Банкiнiң құрылтай құжаттары

1. Банк Қазақстан Республикасының азаматтық заңдарында заңды тұлғалар үшiн белгiленген тәртiппен, Қазақстан Республикасының банк заңнамасында белгiленген ерекшелiктер ескерiле отырып құрылады.

2. Банк құру жөнiндегi құрылтай шартында, қолданылып жүрген заңдарда көзделген мәлiметтерден басқа, мiндеттi түрде:

толық атауы мен олардың әрқайсысының тұрған жерiн қоса құрылтайшылар туралы мәлiметтер, сондай-ақ олардың мемлекеттiк тiркеуден өткендiгi жөнiндегi деректер (заңды тұлғалар үшiн), аты-жөнi, азаматтығы, тұрғылықты жерi мен жеке өзiн (жеке адамдар үшiн) куәландыратын құжат деректерi;

акциялардың саны, санаттары мен орналастыру бағалары туралы мәлiметтер көрсетiлуге тиiс.

3. Банк жарғысында, қолданылып жүрген заңдарда көзделген мәлiметтерден басқа, мiндеттi түрде:

банкiнiң толық және қысқартылған атауы;

банк қорларын пайдалану түрлерi мен тәртiбi туралы мәлiметтер;

банк органдарының шешiм қабылдау тәртiбi;

осы Заңның 52-4-бабында көзделген мәліметтер (ислам банкі үшін) қамтылуға тиіс.

Ескерту. 14-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 1999.07.16 № 436, 2003.05.16 № 416, 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңдарымен.

15-бап. Банктiң ұйымдық-құқықтық нысаны және атауы

1. Банктер акционерлiк қоғамдар нысанында құрылады.

1-1. Банк өз жарғысында жазылған атауды өзiнiң атауы ретiнде пайдаланады.

Банктiң атауында "банк" деген сөз немесе одан туындаған сөз болуға тиiс.

2. Қазақстан Республикасының Ұлттық Банкiнен басқа барлық банктерге өз атауында кез келген тiлде толық немесе қысқарған түрде "ұлттық", "орталық" деген сөздердi пайдалануға тыйым салынады.

3. Банктердiң бәрiне өзiнiң атауында кез келген тiлде толық және қысқарған түрiнде "мемлекеттiк" деген сөздi қолдануға тыйым салынады.

3-1. Ислам банкінің атауында "ислам банкі" деген сөз тіркесі болуға тиіс.

4. Бұрын құрылған банкiлердiң, еншiлес банктердi қоспағанда соның iшiнде Қазақстан Республикасының резиденттерi емес банкiлердiң атауымен бiрдей немесе орнын ауыстырған дәрежеде ұқсас таңбаларды атау ретiнде қолдануға жол берiлмейдi.

Еншiлес банктер өзiнiң атауына негiзгi банктердiң атауын пайдалануға мiндеттi.

Осы тармақтың екінші бөлігінде көзделген талап өздеріне қатысты осы Заңға сәйкес қайта құрылымдау жүргізілген еншілес банктерге, сондай-ақ осы Заңның 61-4-бабында көзделген операцияны жүзеге асырған еншілес банктерге қолданылмайды.

Ескерту. 15-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 1999.07.16 № 436, 2001.03.02 № 162, 2003.07.10 № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (01.06.2014 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңдарымен.

16-бап. Банктiң жарғылық және меншiк капиталы

1. Банктің жарғылық капиталы, осы баптың 2-тармағында белгіленген жағдайларды қоспағанда, акцияларды орналастыру есебінен Қазақстан Республикасының ұлттық валютасымен қалыптастырылады.

2. Банктің акциялары орналастырылған кезде ақы тек қана ақшамен төленуге тиіс. Осы талап мынадай:

1) банктің акцияларын банк кредиторлары арасында орналастырған және осы Заң мен Қазақстан Республикасының өзге де заңдарында көзделген жағдайларда банк қайта құрылымдау жүргізген кезде банктің тиісті кредитор алдындағы ақшалай міндеттемесі жөніндегі кез келген құқығын (талабын) есепке жатқызу арқылы оларды төлеген;

1-1) осы Заңның 61-10-бабында көзделген негізде және тәртіппен төлемге қабілетсіз банкті реттеу жөнінде шаралар қолданылған жағдайда, банктің бағалы қағаздары мен өзге де ақшалай міндеттемелерін банктің жай акцияларына айырбастаған;

2) банктің акцияларына айырбасталатын эмиссиялық бағалы қағаздар шығарылымының проспектісі негізінде бағалы қағаздарды банктің акцияларына айырбастаған;

2-1) банктің жарғысы және оның акциялар шығарылымының проспектісі негізінде банктің орналастырылған акцияларының бір түрін осы банк акцияларының басқа түріне айырбастаған;

3) "Акционерлік қоғамдар туралы" Қазақстан Республикасының Заңында белгіленген тәртіппен жүзеге асырылатын қайта ұйымдастыру кезінде банктің акцияларын төлеген;

4) осы Заңның 17-2-бабында көзделген жағдайда банктің акцияларын Қазақстан Республикасының мемлекеттік бағалы қағаздарымен төлеген жағдайларда, банктерге қолданылмайды.

Осы тармақта көзделген жағдайларда банк акцияларын орналастырған кезде бағалау жүргізу талап етілмейді.

3. Банкті қайта құрылымдау рәсімі шеңберінде және (немесе) осы Заңның 61-10-бабында көзделген тәртіппен төлемге қабілетсіз банкті реттеу жөнінде шаралар қолдану шеңберінде бағалы қағаздарды банктің акцияларына айырбастаған жағдайда банк акционерлеріне бағалы қағаздарды және (немесе) банктің ақшалай міндеттемелерін оның акцияларына айырбастау арқылы өзінің акцияларын орналастырған кезде басымдықпен сатып алу құқығы берілмейді.

3-1. Банк, егер акциялар бойынша дивидендтерді есепке жазу пруденциялық нормативтерді уәкілетті органның нормативтік-құқықтық актісінде белгіленген мәннен төмен азайтуға алып келген жағдайда, шығару проспектісімен банктің атқарушы органының артықшылықты акциялар бойынша дивиденттерді есепке жазбау құқығы көзделетін артықшылықты акцияларды шығаруға құқылы.

3-2. Қаржылық орнықтылықты қамтамасыз ету және (немесе) сауықтыру үшін мемлекеттік бюджеттің, Қазақстан Республикасы Ұлттық қорының, Қазақстан Республикасы Ұлттық Банкінің және (немесе) оның еншілес ұйымдарының қаражаты пайдаланылатын банк мемлекеттік бюджеттің, Қазақстан Республикасы Ұлттық қорының, Қазақстан Республикасы Ұлттық Банкінің және (немесе) оның еншілес ұйымдарының қаражатын беру туралы шешім қабылданған кезден бастап және алынған қаражатты қайтару жөніндегі міндеттемелерді банк толық орындағанға дейінгі кезеңде пайданы бөледі, қарапайым және (немесе) артықшылықты акциялар және (немесе мерзімсіз) қаржы құралдары бойынша дивидендтерді есепке жазады, сондай-ақ уәкілетті органның нормативтік құқықтық актісінде көзделген шарттар сақталған кезде өз акцияларын кері сатып алуды жүргізеді.

4. Жаңадан құрылған банктiң жарғылық капиталының ең төмен мөлшерін оның құрылтайшылары банк мемлекеттік тiркелгеннен кейін күнтізбелік отыз күн ішінде толық төлеуге тиiс.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру нәтижесінде құрылған банктің жарғылық капиталының ең төмен мөлшері банк операцияларын және өзге де операцияларды жүргізуге арналған лицензия алуға өтініш берілгенге дейін осы Заңның 42-бабы 1-тармағы бірінші бөлігінің талаптарын сақтау ескеріле отырып, микроқаржы ұйымының жарғылық капиталы есебінен қалыптастырылады.

5. Банктің меншік капиталын және инвестицияларын есептеу әдістемесін уәкілетті орган айқындайды.

Банк міндеттемелерінің сомасы оның активтерінің құнынан артық болған жағдайда, банктің меншік капиталы теріс болып табылады.

6. Банктің меншік капиталының терiс мөлшерi анықталған жағдайда уәкiлеттi орган оның акционерлерiнiң акцияларын мәжбүрлеп сатып алу туралы шешiм қабылдауға және оларды банк капиталының ұлғаюына және инвестор алған мiндеттемелердi ескере отырып оның қалыпты жұмыс iстеуiне кепiлдiк беретiн шарттармен жаңа инвесторға сатып алынған бағасымен дереу сатуға құқылы.

Уәкілетті органның банк акцияларын мәжбүрлеп сатып алуы, ол банк акцияларын (акционерлердiң үлестерiн) кейiннен жаңа инвесторға сату мақсатында оларды мәжбүрлеп сатып алу туралы шешiм қабылдаған күнгi оның міндеттемелерінің сомасы шегеріле отырып, банк активтерінің құнын негiзге ала отырып айқындалатын баға бойынша жүзеге асырылады. Уәкілетті орган банктiң сатып алынған акцияларын олардың сатып алынған бағасымен дереу сатады. Банктiң мәжбүрлеп сатып алынған барлық акциялары иелерiнiң құқықтары мен мiндеттерi жаңа инвесторға көшедi.

Банкке талаптар қойылуы мүмкiн мiндеттемелердi орындау мерзiмi басталған, бiрақ осы талаптар банктiң акцияларын мәжбүрлеп сатып алу туралы шешiм қабылдағанға дейiн қойылмаған жағдайда, жеке және заңды тұлғалардың депозиттерi бойынша талаптарды қоспағанда, мұндай талаптар өтелген болып есептеледi.

Банк акцияларын мәжбүрлеп сатып алудың және оларды кейiннен инвесторларға мiндеттi түрде сатудың тәртiбiн уәкілетті орган белгiлейдi.

Ескерту. 16-бап жаңа редакцияда - ҚР 2009.12.30 № 234-IV (қолданысқа енгізілу тәртібін 2-б. қараңыз) Заңымен, өзгерістер енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 177-VII (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі) Заңдарымен.

16-1-бап. Субординарлық борыш

Бір мезгілде мынадай шарттардың болуы қамтамасыз етілмеген міндеттемені субординарлық борышқа жатқызу шарттары болып табылады:

1) қамтамасыз етілмеген міндеттеме шығарылған не алынған мерзім кемінде бес жыл құрайды;

2) кредиторлар қамтамасыз етілмеген міндеттемені мерзімінен бұрын өтеу не орындау туралы талапты қоя алмайды;

3) қамтамасыз етілмеген міндеттеме банктің бастамасы бойынша, егер бұл пруденциялық нормативтерді уәкілетті органның нормативтік-құқықтық актісінде белгіленген мәннен төмен азайтуға алып келетін жағдайда, мерзімінен бұрын өтелуі не орындалуы мүмкін;

4) банк таратылған кезде, қамтамасыз етілмеген міндеттеме осы Заңның 74-2-бабында айқындалған оныншы кезекте қанағаттандырылады.

Ескерту. 16-1-баппен толықтырылды - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

16-2-бап. Мерзімсіз қаржы құралдары

Бір мезгілде мынадай шарттардың болуы қамтамасыз етілмеген міндеттемені мерзімсіз қаржы құралдарына жатқызу шарттары болып табылады:

1) қамтамасыз етілмеген міндеттеме шығарылған не алынған мерзім кемінде елу жылды құрайды;

2) кредиторлар қамтамасыз етілмеген міндеттемені мерзімінен бұрын өтеу не орындау туралы талапты қоя алмайды;

3) қамтамасыз етілмеген міндеттеме банктің бастамасы бойынша, егер бұл пруденциялық нормативтердің уәкілетті органның нормативтік құқықтық актісінде белгіленген мәндерден төмен түсуіне алып келмеген жағдайда, мерзімінен бұрын өтелуі не орындалуы мүмкін;

4) банк таратылған кезде, қамтамасыз етілмеген міндеттеме субординарлық борыш бойынша талаптардан кейін, осы Заңның 74-2-бабында айқындалған оныншы кезекте қанағаттандырылады.

Ескерту. Заң 16-2-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

16-3-бап. Банктің шет мемлекеттің аумағында эмиссиялық бағалы қағаздарды шығару және (немесе) орналастыру ерекшеліктері

1. Қазақстан Республикасының резидент-банкі "Бағалы қағаздар рыногы туралы" Қазақстан Республикасы Заңының 22-1-бабының 1-тармағында белгіленген шарт сақталған кезде шет мемлекеттің аумағында эмиссиялық бағалы қағаздар орналастыруды жүзеге асыруға құқылы.

2. Қазақстан Республикасының резидент-банкі шығару шарттарында Қазақстан Республикасы резидент-банкінің кепілдігін беру көзделген борыштық бағалы қағаздар шет мемлекеттің аумағында шығарылған және (немесе) орналастырылған кезде "Бағалы қағаздар рыногы туралы" Қазақстан Республикасы Заңының 22-1-бабының 1-тармағында көрсетілген шарттан бөлек, мынадай қосымша шарттарды сақтауға міндетті:

1) борыштық бағалы қағаздарды шығару шартында уәкілетті орган осы Заңда көзделген тәртіппен төлемге қабілетсіз банкті реттеу жөнінде шаралар қолданған жағдайда, борыштық бағалы қағаздардың мәжбүрлеп қайта құрылымдалуы мүмкін екендігі туралы ереже қамтылады;

2) борыштық бағалы қағаздарды шығару шартында төлемге қабілетсіз банкке осы Заңда көзделген оны реттеу жөнінде шаралар қолданылған жағдайда, борыштық бағалы қағаздарды ұстаушылардың өздерінің алдындағы міндеттемелерді мерзімінен бұрын орындауды талап етуге құқығы болмайтыны туралы ереже қамтылады.

3. Қазақстан Республикасының төлемге қабілетсіз резидент-банкінің міндеттемелері осы Заңда көзделген тәртіппен мәжбүрлеп қайта құрылымдалған жағдайда, осы баптың 1 және 2-тармақтарының талаптары Қазақстан Республикасының резидент-банкіне және (немесе) шығару шарттарында Қазақстан Республикасы резидент-банкінің кепілдігін беру көзделген эмиссиялық бағалы қағаздарды орналастырған кезінде ұйымға қолданылмайды.

4. Шет мемлекеттің аумағында эмиссиялық бағалы қағаздар орналастырған Қазақстан Республикасының резидент-банкі уәкілетті органды "Бағалы қағаздар рыногы туралы" Қазақстан Республикасы Заңының 22-1-бабының 2-тармағына сәйкес осы бағалы қағаздарды орналастыру қорытындысы туралы хабардар етеді.

Ескерту. Заң 16-3-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); жаңа редакцияда – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

17-бап. Банкiнiң құрылтайшылары мен акционерлерi

1. Қазақстан Республикасының резиденттерi мен резиденттерi емес заңды және жеке тұлғалар (осы баптың 5-тармағында және осы Заңның 18-бабында белгiленген шектеулердi ескере отырып) банкiнiң құрылтайшылары мен акционерлерi бола алады.

2. Осы бапта көзделген жағдайларды қоспағанда, мемлекет Қазақстан Республикасының Үкіметі арқылы ғана банктің құрылтайшысы және акционері бола алады. Ұлттық басқарушы холдингті, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымды және Қазақстан Республикасы Ұлттық Банкінің еншілес ұйымдарын қоспағанда, жарғылық капиталындағы қатысу үлестерінің не орналастырылған акцияларының елу пайыздан астамы мемлекетке тиесілі мемлекеттік кәсіпорындар мен ұйымдар банктің құрылтайшылары және акционерлері бола алмайды.

Уәкілетті орган банктің осы Заңның 61-12-бабында көзделген, активтері мен міндеттемелерін беру жөніндегі операцияларды жүзеге асыру мақсатында тұрақтандыру банкінің жалғыз құрылтайшысы болуы мүмкін.

3. (алып тасталды)

4. Банк кредиторларының мүддесін қорғау және Қазақстан Республикасының банк жүйесінің тұрақтылығын қамтамасыз ету мақсатында, егер уәкілетті орган қолданған шаралар банктің қаржылық жай-күйін жақсартуға әкелмесе:

1) банк меншікті капиталының жеткіліктілік коэффициентін және (немесе) өтімділік коэффициентін бір рет бұзған не өзге де пруденциялық нормативтерді және (немесе) сақталуға міндетті басқа да нормалар мен лимиттерді қатарынан күнтізбелік он екі ай ішінде екі рет және одан да көп бұзған жағдайда, Қазақстан Республикасының Үкіметі уәкілетті органның ұсынысы бойынша осы Заңның 17-2-бабында көзделген тәртіппен, банктің қаржылық жай-күйін жақсартуға және оның пруденциялық нормативтерді және (немесе) сақталуға міндетті басқа да нормалар мен лимиттерді орындауы үшін қажетті мөлшерде банктің жарияланған акцияларын Қазақстан Республикасы Үкіметінің не ұлттық басқарушы холдингтің сатып алатыны туралы шешім қабылдауға құқылы;

2) банкте капиталдың теріс мөлшері болған кезде, уәкілетті орган банктің қаржылық жағдайын қажетті жақсартуға кепілдік беретін жаңа инвесторға сатып алу бағасы бойынша кейіннен міндетті түрде дереу өткізу шартымен банк акцияларын мәжбүрлеп сатып алуды жүзеге асыруға құқылы.

5. Оффшорлық аймақтарда тіркелген, тізбесін уәкiлеттi орган белгілейтін заңды тұлғалар Қазақстан Республикасының резидент банктерінің дауыс беретiн акцияларын тiкелей немесе жанама иелене және (немесе) пайдалана алмайды және (немесе) оларға билiк ете алмайды.

Көрсетілген шектеу Қазақстан Республикасының резидент емес банктерінің еншілес ұйымдары болып табылатын, рейтинг агенттіктерінің бірінің талап етілетін ең төменгі рейтингі бар банктерге қолданылмайды.

Рейтинг агенттіктерінің тізбесін және талап етілетін ең төменгі рейтингті уәкілетті орган айқындайды.

Осы тармақтың талаптары төлемге қабілетсіз банктің міндеттемелерін осы Заңның 61-10-бабына сәйкес мәжбүрлеп қайта құрылымдау жағдайларына қолданылмайды.

5-1. Акционерлердің жалпы жиналысына қатысатын акционер, егер оның өз акционерлерінің (қатысушылардың) тіркелген елі туралы ақпарат банкте жоқ болса, өтінішті табыс етеді, онда осындай акционерлердің (қатысушылардың) осы баптың 5-тармағының талаптарын орындағаны туралы көрсетеді.

Көрсетілген өтінішті табыс етпеген акционер акционерлердің жалпы жиналысына қатысуға жіберілмейді.

Өтініште көрсетілген ақпараттың дәйексіздігі анықталған не осы баптың 5-тармағының талаптарының бұзылуы анықталған кезде:

1) егер шешім үшін дауыс беретін акциялардың көпшілігі (өтінішті табыс еткен акционердің дауыс беретін акцияларын есепке алмағанда) дауыс берсе, акционерлердің жалпы отырысының шешімі осы акционердің дауысы есепке алынбай қабылданды деп есептеледі;

2) егер өтінішті табыс еткен акционердің дауысы шешуші болса, аталған мән-жай уәкілетті органның не өзге де мүдделі тұлғалардың талабы бойынша акционерлердің жалпы отырысының шешімін Қазақстан Республикасының заңнамасында белгіленген тәртіппен жарамсыз деп тану үшін негіз болады.

6. алып тасталды - 2005.12.23. № 107 Заңымен.

7. Ұлттық басқарушы холдингті қоспағанда, тiкелей немесе жанама түрде банктiң акцияларын иеленетiн не банк акционерi қабылдайтын шешiмдерге ықпал ететiн тұлғалар уәкiлеттi органның талап етуі бойынша банктің ірі қатысушыларын және олардың қаржылық жай-күйiн айқындау үшін құрылтай құжаттарын және басқа да қажетті ақпарат беруге міндетті.

Ескерту. 17-бапқа өзгерістер енгізілді - ҚР Президентiнiң 1996.01.27 № 2830, 1996.12.07 № 50, 1997.07.11 № 154, 1998.06.29 № 236, 1998.07.10 № 282, 1999.07.16 № 436, 2001.03.02 № 162, 2001.04.25 № 179, 2003.07.10 № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі), 2005.07.08 № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.07.07 № 178, 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.03.01 № 414-IV (2010.01.01 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

17-1-бап. Банк холдингі және банктің ірі қатысушысы

1. Бірде-бір тұлға уәкілетті органның алдын ала жазбаша келісімін алмастан, дербес немесе басқа тұлғамен (тұлғалармен) бірлесіп банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) он немесе одан көп пайызын тікелей немесе жанама иелене, пайдалана және (немесе) оған билік ете алмайды, сондай-ақ банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) он немесе одан көп пайызы мөлшерінде банк қабылдайтын шешімді бақылау немесе оған ықпал ету мүмкіндігіне ие бола алмайды. Бұл талап мемлекетке немесе ұлттық басқарушы холдингке, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымға, Қазақстан Республикасы Ұлттық Банкінің еншілес ұйымдарына, бірыңғай жинақтаушы зейнетақы қоры банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) он немесе одан көп пайызын зейнетақы активтерінің есебінен иеленген жағдайда бірыңғай жинақтаушы зейнетақы қорына, инвестициялық портфельді басқарушы банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) он немесе одан көп пайызын зейнетақы активтерінің есебінен иеленген, пайдаланған және (немесе) оған билік еткен жағдайда инвестициялық портфельді басқарушыға, сондай-ақ осы Заңда көзделген жағдайларға қолданылмайды.

Қазақстан Республикасының бейрезидент-заңды тұлғалары өздерінде не өздерінің бас ұйымында рейтингтік агенттіктердің бірінің талап етілетін ең төменгі рейтингі болған кезде банк холдингі немесе банктің ірі қатысушысы мәртебесін алу үшін уәкілетті органның келісімін ала алады. Ең төменгі рейтинг және рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актілерімен белгіленеді.

Банктің орналастырылған акцияларының он немесе одан да көп пайызын тікелей иеленуші немесе ең төменгі талап етілетін рейтингі бар банктің дауыс беретін он немесе одан да көп акцияларымен дауыс беру мүмкіндігіне ие банктің ірі қатысушысы болып табылатын Қазақстан Республикасының резиденті емес заңды тұлғаның акцияларын (қатысу үлестерін) иелену (акцияларымен дауыс беру) арқылы банктің орналастырылған акцияларының он немесе одан да көп пайызын жанама иеленуді немесе банктің дауыс беретін акцияларының он немесе одан да көп акцияларымен жанама дауыс беруді көздейтін Қазақстан Республикасының резиденті емес заңды тұлға үшін аталған рейтингтің болуы талап етілмейді.

Банктің ірі қатысушылары – жеке тұлғалар банктің акцияларын өзіне меншік құқығымен тиесілі мүліктің құнынан аспайтын мөлшерде төлейді. Бұл ретте мүліктің құны (банктің бұрын иеленген акцияларының құны шегеріле отырып) банктің бұрын иеленген және иеленетін акцияларының жиынтық құнынан кем болмауға тиіс.

1-1. Өзі орналасқан елдің шоғырландырылған қадағалауына жататын Қазақстан Республикасының резиденті емес қаржы ұйымы ғана банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) жиырма бес немесе одан көп пайызын тікелей иеленетін немесе банктің дауыс беретін акцияларының жиырма бес немесе одан көп пайызымен тікелей немесе жанама дауыс беру мүмкіндігі бар Қазақстан Республикасының резиденті емес - банк холдингі бола алады.

2. Банктің ірі қатысушысы немесе банк холдингі мәртебесін алуға келісім беру, оны кері қайтарып алу ережелерін, осы келісімді алу үшін табыс етілетін құжаттарға қойылатын талаптарды уәкілетті орган айқындайды.

2-1. Банк холдингі немесе банктің ірі қатысушысы мәртебесін иелену жөніндегі талаптар өзі орналасқан елінде шоғырландырылған қадағалауға жататын және көрсетілген банктің ірі қатысушысы (банк холдингі) мәртебесі бар Қазақстан Республикасының резиденті емес басқа қаржы ұйымының акцияларын иелену (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай не өзгеше түрде ықпал ету мүмкіндігі болуы) арқылы банктің акцияларын жанама иеленуші (дауыс беру, шешімді айқындау және (немесе) қабылданатын шешімдерге шарттың күшіне қарай не өзгеше түрде ықпал ету мүмкіндігі бар) Қазақстан Республикасының резиденті емес тұлғаға қолданылмайды.

Егер осы Заңға сәйкес өзіне қатысты қайта құрылымдау жүргізілген банк қайта ұйымдастырылатын банктердің біреуі болып табылса, олар Қазақстан Республикасының заңнамасында айқындалған тәртіппен біріктіру нысанында қайта ұйымдастыруды жүргізген кезде, банк холдингі немесе банктің ірі қатысушысы мәртебесін алу жөніндегі талаптар банктің басқа банк акцияларын сатып алуы жағдайларына қолданылмайды.

2-2. Банк холдингі немесе банктің ірі қатысушысы мәртебесін иеленуге келісім алу үшін мөлшері мен төлеу тәртібі Қазақстан Республикасының салық заңнамасында айқындалатын алым төленеді.

3. Банктің ірі қатысушысы болуға ниет білдірген тұлға келісім алу үшін уәкілетті органға осы баптың 4, 4-1, 5, 6, 7 және 7-1-тармақтарында айқындалған құжаттар мен мәліметтерді қоса бере отырып, банк акцияларын, оның ішінде бұрын сатып алынғандарын сатып алу шарттары мен тәртібі туралы мәліметтерді, сондай-ақ акцияларды сатып алу үшін пайдаланылатын көздер мен қаражат сипаттамасын қоса алғанда, уәкілетті органның нормативтік құқықтық актісінде белгіленген мәліметтер қамтылатын банктің ірі қатысушысы мәртебесін иелену туралы өтінішті ұсынуға міндетті.

4. Банктің ірі қатысушысы мәртебесін алуға келісім алу үшін жеке тұлға мынадай құжаттарды:

1) акцияларды сатып алу шарттары мен тәртібін, сондай-ақ акцияларды сатып алу үшін пайдаланылатын көздер мен қаражатты растайтын құжаттардың көшірмелерін ұсынады.

Мыналар:

кәсіпкерлік, еңбек қызметінен немесе басқа да ақысы төленетін қызметтен алынған кірістер;

өтініш берушінің құжатпен расталған жинақталған ақша қаражаты банктің акцияларын сатып алу үшін пайдаланылатын көздер болып табылады.

Сыйға тарту, ұтыс, өтеусіз алынған мүлікті сатудан түскен кіріс түрінде алынған, банктің сатып алынатын акциялары құнының жиырма бес пайызынан аспайтын мөлшердегі ақша банктің акцияларын сатып алу үшін осы тармақшаның екінші бөлігінде көрсетілген көздерге қосымша пайдаланылуы мүмкін.

Өтініш беруші сыйға тарту түрінде алынған мүлік есебінен банктің акцияларын сатып алған кезде сыйға тартушы және көрсетілген мүліктің сыйға тартушыда пайда болу көздері туралы мәліметтерді ұсынады;

2) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

3) уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша ірі қатысушысы болып табылатын заңды тұлғалар жөніндегі мәліметтерді ұсынады. Егер өтініш беруші Қазақстан Республикасының бейрезидент-заңды тұлғасының акционері (қатысушысы) болып табылса, Қазақстан Республикасының бейрезидент-заңды тұлғасы құрылтай құжаттарының нотариат куәландырған көшірмелері қосымша ұсынылады;

3-1) банктің қаржы жағдайының ықтимал нашарлауы жағдайларында банкті қайта капиталдандыру жоспарын;

3-2) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

3-3) кірістер мен мүлік туралы мәліметтерді, уәкілетті органның нормативтік құқықтық актісінде белгіленген нысанға сәйкес өтініш берушінің барлық міндеттемелері бойынша орын алған берешек туралы ақпаратты, ал Қазақстан Республикасының резидент-жеке тұлғасы сондай-ақ банктің ірі қатысушысы мәртебесін иемденіп алу туралы өтінішті уәкілетті органға берген күннің алдындағы күнтізбелік отыз күн ішінде Қазақстан Республикасының салық заңнамасында белгіленген тәртіппен ұсынылған, нотариат куәландырған немесе мемлекеттік кіріс органы растаған активтер мен міндеттемелер туралы декларацияның көшірмесін және Қазақстан Республикасының салық заңнамасында белгіленген тәртіппен және мерзімде ұсынылған, кірістер мен мүлік туралы декларацияның нотариат куәландырған немесе мемлекеттік кіріс органы растаған көшірмесін ұсынады.

Активтер мен міндеттемелер туралы декларациядағы мәліметтер активтер мен міндеттемелер туралы декларация ұсынылатын айдың бірінші күніне көрсетіледі.

Көрсетілген мәліметтерге өтініш берушінің қаржылық жағдайын талдау үшін жеткілікті растайтын құжаттар қоса беріледі;

4) білімі, еңбек қызметі, мінсіз іскерлік беделі туралы мәліметтерді қоса алғанда, уәкілетті органның нормативтік құқықтық актілерінде көзделген нысан бойынша өтініш беруші туралы мәліметтерді ұсынады. Бейрезидент-жеке тұлғалар мінсіз іскерлік беделін растау үшін өздері азаматы болып табылатын елдің, ал азаматтағы жоқ адамдар – өздері тұрақты тұратын елдің тиісті мемлекеттік органы берген алынбаған немесе жойылмаған сотталғандығының жоқ екенін растайтын құжатты ұсынады (көрсетілген құжатты беру күні өтініш берілген күннің алдындағы үш айдан аспауға тиіс);

5) Қазақстан Республикасының резиденті емес жеке тұлға тұратын елдің тиісті мемлекеттік органының Қазақстан Республикасының резидент-банкінің акцияларды сатып алуға осы ел заңнамасында рұқсат етілгені туралы жазбаша растауын не тиісті елдің уәкілетті органының көрсетілген құрылтайшы мемлекетінің заңнамасы бойынша мұндай рұқсат талап етілмейтіндігі туралы мәлімдемесін;

6) "электрондық үкімет" төлем шлюзі арқылы ақы төлеу жағдайларын қоспағанда, келісім бергені үшін алым төленгенін растайтын құжатты ұсынады.

4-1. Егер жеке немесе заңды тұлға уәкілетті органның алдын ала жазбаша келісімін алмай, сыйға тарту шарты немесе сенімгерлік басқару шарты негізінде банктің ірі қатысушысы белгілеріне сәйкес келген жағдайда, осы баптың 16-тармағында белгіленген талапқа сәйкес тиісті мәртебені иелену туралы өтінішті оның беруі кезінде, мыналар:

1) банк акцияларын сыйға тарту немесе банк акцияларын сенімгерлік басқару шарттары мен тәртібін растайтын құжаттардың көшірмелері;

2) осы баптың 4-тармағының 3), 3-1), 3-3), 4), 5) және 6) тармақшаларында көзделген құжаттар;

3) растайтын құжаттардың көшірмелері қоса беріле отырып, Қазақстан Республикасының заңнамасына сәйкес бағалаушы айқындаған сыйға тарту шартының немесе сенімгерлік басқару шартының нысанасы болып табылатын акциялардың құны туралы мәліметтер қосымша ұсынылады.

Банктің ірі қатысушы мәртебесін иеленуге келісім алу үшін сыйға тарту шарты нәтижесінде банктің акцияларын иеленген жеке немесе заңды тұлға банктің ірі қатысушысы мәртебесін иелену туралы өтініш берген күнге мынадай талаптарды қосымша орындайды:

1) жеке тұлғаға меншік құқығымен тиесілі мүліктің құны (банк бұрын иеленген акциялардың құны шегеріле отырып) сыйға тарту шартының нысанасы болып табылатын акциялардың және ол бұрын иеленген банк акцияларының жиынтық құнынан кем болмауға тиіс;

2) жеке тұлғаның кәсіпкерлік, еңбек немесе басқа да ақысы төленетін қызметтен алынған кірістері, сондай-ақ оның құжаттамалық расталған ақшалай жинақтары бағалаушы айқындаған, сыйға тартылған банк акциялары құнының кемінде жетпіс бес пайызын құрайды.

5. Банктің ірі қатысушысы мәртебесін алуға келісім алу үшін Қазақстан Республикасының резиденті - заңды тұлға мынадай құжаттарды:

1) өтініш берушінің тиісті органының банк акцияларын сатып алу туралы шешімінің көшірмесін (қаржылық есептілік депозитарийінің интернет-ресурсында шешім болмаған немесе уәкілетті органның оны "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болмаған жағдайда) ұсынады.

Егер өтініш беруші осы Заңның 61-4 және 61-11-баптарында көзделген операцияны жүзеге асырған банктің ірі қатысушысы мәртебесін алушы банк немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы болып табылған жағдайда өтініш берушінің басқару органының банк акцияларын сатып алу туралы шешімінің көшірмесі ұсынылады;

1-1) заңды тұлға акцияларының (жарғылық капиталға қатысу үлестерінің) он немесе одан көп пайызына (дербес немесе басқа тұлғалармен бірлесіп) тікелей немесе жанама иелік ететін, сондай-ақ шарттың күшіне қарай не өзгеше түрде осы заңды тұлғаның шешімдерін айқындау немесе оларды бақылау мүмкіндігі бар тұлғалар туралы мәліметтерді және растайтын құжаттарды;

1-2) өтініш берушінің үлестес тұлғаларының тізімін (қаржылық есептілік депозитарийінің интернет-ресурсында тізім болмаған немесе уәкілетті органның оны "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болмаған жағдайда);

2) осы баптың 4-тармағының 1), 3), 3-1) және 6) тармақшаларында көрсетілген мәліметтер мен құжаттарды;

2-1) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

3) қаржылық есептілік депозитарийінің интернет-ресурсында болмаған немесе уәкілетті органның "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болмаған жағдайда, құрылтай құжаттарының нотариат куәландырған көшірмелерін;

4) білімі, еңбек қызметі, мінсіз іскерлік беделі туралы мәліметтерді қоса алғанда, уәкілетті органның нормативтік құқықтық актілерінде көзделген нысан бойынша өтініш берушінің басшы қызметкерлері туралы қысқаша деректерді ұсынады. Өтініш берушінің Қазақстан Республикасының бейрезиденттері болып табылатын басшы қызметкерлері бойынша, өтініш беруші уәкілетті органның нормативтік құқықтық актісінде көзделген нысан бойынша олардың мінсіз іскерлік беделін растайтын мәліметтерді ұсынады;

5) аудиторлық ұйым куәландырған, аяқталған соңғы екі қаржы жылына жылдық қаржылық есептілікті, сондай-ақ тиісті өтінішті ұсынар алдында аяқталған соңғы тоқсанға қаржылық есептілікті ұсынады.

Қаржылық есептілік депозитарийінің интернет-ресурсында жылдық қаржылық есептілік орналастырылған немесе уәкілетті органның оны "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болған жағдайда, осы есептілік ұсынылмайды;

6) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

6. Қазақстан Республикасының резиденті емес заңды тұлға банктің ірі қатысушысы мәртебесін алуға келісім алу үшін мына құжаттарды:

1) осы баптың 4-тармағының 1), 3), 3-1) және 6) тармақшаларында және 5-тармағының 1), 1-1), 1-2), 3), 4) және 5) тармақшаларында көрсетілген мәліметтер мен құжаттарды;

2) осы баптың 1-тармақта көзделген жағдайларды қоспағанда, тізбесін уәкілетті орган белгілейтін халықаралық рейтингтік агенттіктердің бірі берген заңды тұлғаның не оның бас ұйымының кредит рейтингі туралы мәліметтерді;

3) өтініш беруші ірі қатысушысы болып табылатын заңды тұлғалардың тізімін және олардың құрылтай құжаттарының нотариат куәландырған көшірмелерін, сондай-ақ өтініш берушінің құрылтай құжаттарының нотариат куәландырған көшірмелерін ұсынады.

Қазақстан Республикасының резиденті емес қаржы ұйымы банктің ірі қатысушысы мәртебесін иеленуге келісім алу үшін осы тармақта көрсетілген құжаттарға қосымша өтініш беруші орналасқан елдің қаржылық қадағалау органының өтініш берушінің сол елдің заңнамасы шеңберінде қаржы қызметін жүзеге асыруға уәкілетті екендігін білдіретін жазбаша растауын, не өтініш беруші орналасқан елдің қаржылық қадағалау органының мұндай шешім осы елдің заңнамасы бойынша талап етілмейтіні туралы өтінішін ұсынады.

6-1. Осы баптың 6-тармағы 3) тармақшасының өтініш берушінің құрылтай құжаттарының нотариат куәландырған көшірмелерін беруі бөлігіндегі талаптары мынадай шарттардың біреуі орындалған кезде:

1) Қазақстан Республикасының бейрезидент-заңды тұлғасында тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А-дан төмен емес кредиттік рейтингі болса;

2) өтініш беруші тұрған елдің қадағалау органының интернет-ресурсында өтініш беруші ірі қатысушы болып табылатын заңды тұлғалар (қатысу үлесі, жарғылық қызмет түрлері) және өтініш берушінің ірі қатысушылары жөніндегі мәліметтер, сондай-ақ өтініш берушінің қаржылық жағдайы туралы ақпарат болса, Қазақстан Республикасының бейрезидент-заңды тұлғасына қолданылмайды.

7. Банк холдингі мәртебесін алуға келісім алу үшін Қазақстан Республикасының резиденті емес - қаржы ұйымы мынадай құжаттарды:

1) осы баптың 6-тармағында көрсетілген мәліметтер мен құжаттарды;

1-1) өтініш беруші орналасқан елдің қаржылық қадағалау органының Қазақстан Республикасының резиденті емес қаржы ұйымының шоғырландырылған қадағалауға жататындығы туралы жазбаша растауын;

1-2) өтініш беруші орналасқан елдің қаржылық қадағалау органының Қазақстан Республикасының резиденті емес қаржы ұйымының банк холдингі мәртебесін иеленуге жазбаша рұқсатын (келісімін) не тиісті мемлекеттің уәкілетті органының көрсетілген мемлекеттің заңнамасы бойынша осындай рұқсат (келісім) талап етілмейтіні туралы өтінішін;

2) өтініш беруші шыққан елдің қаржылық қадағалау органының өтініш беруші қаржылық қызметін осы ел заңнамасының шеңберінде жүзеге асыруға уәкілетті екендігі туралы жазбаша растауын не өтініш беруші шыққан елдің қаржылық қадағалау органының осы елдің заңнамасы бойынша мұндай рұқсат талап етілмейтіндігі туралы мәлімдемесін табыс етеді.

7-1. Орналастырылған акциялардың (артықшылықты және банк сатып алған акциялары шегеріле отырып) жиырма бес немесе одан көп пайызына иелік ету үлесі бар банктің ірі қатысушысы мәртебесін иеленгісі келетін жеке тұлғалар, сондай-ақ банк холдингі мәртебесін иеленгісі келетін заңды тұлғалар осы бапта көрсетілген құжаттар мен мәліметтерге қосымша таяу бес жылға арналған бизнес-жоспарды ұсынады, оған қойылатын талаптарды уәкілетті орган белгілейді.

8. Жиынтығында банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) он және одан астам пайызын иеленетін немесе банк акцияларының он немесе одан астам пайызымен тікелей немесе жанама дауыс беруге мүмкіндігі бар және:

1) банк қабылдайтын шешімдерге өздерінің арасында жасалған шартқа орай не өзгеше түрде бірлесіп ықпал ететін;

2) жеке алғанда немесе өзара бір-бірінің ірі қатысушылары болып табылатын;

3) олардың бірі лауазымды тұлға немесе басқа тұлғаның өкілі болып табылатын;

4) олардың бірі өздерінің арасында жасалған шартқа сәйкес екінші тұлғаға банк акцияларын сатып алу мүмкіндігін берген;

5) жақын туыстар немесе ерлі-зайыптылар болып табылатын тұлғалар;

6) олардың бірі екінші тұлғаға оның сыйға берген ақшасы немесе өтеусіз алған мүлкі есебінен банктің акцияларын сатып алуға мүмкіндік жасаған тұлғалар бірлесіп банктің ірі қатысушысы болып табылатын тұлғалар деп танылады.

9. Уәкілетті органның банктің ірі қатысушысы немесе банк холдингі болғысы келетін тұлғаларға келісім беруден бас тартуына:

осы Заңның 20-бабы 3-тармағының 3), 4), 5) және 6) тармақшалары талаптарының (жеке тұлғаға немесе өтініш беруші заңды тұлғаның басшы қызметкерлеріне қатысты) сақталмауы;

өтініш берушінің қаржылық жай-күйінің тұрақсыздығы;

уәкілетті органның ұсынылған құжаттар бойынша ескертулерін жоймау;

өтініш берушінің банктің ірі қатысушысы немесе банк холдингі мәртебесін алуы нәтижесінде Қазақстан Республикасының бәсекелестікті қорғау саласындағы заңнамасы талаптарының бұзылуы;

банктің ірі қатысушысы немесе банк холдингі мәртебесін иелену жөніндегі мәміледе тізбесін уәкілетті орган белгілейтін оффшорлық аймақтарда тіркелген заңды тұлға (оның ірі қатысушысы (ірі акционері) сатып алушы тарап болып табылатын жағдайлар;

өтініш берушінің Қазақстан Республикасының заңнамалық актілерінде белгіленген банктің ірі қатысушыларына және банк холдингтеріне қойылатын өзге де талаптарды сақтамауы;

өтініш берушінің банктің ірі қатысушысы немесе банк холдингі мәртебесін алуының қаржылық салдарларын талдау банктің қаржылық жай-күйінің нашарлайтынын болжауы;

өтініш берушіде - Қазақстан Республикасының резиденті емес қаржы ұйымында шыққан елі заңнамасының шеңберінде қаржылық қызметті жүзеге асыру өкілеттігінің болмауы;

өтініш берушіде - Қазақстан Республикасының бейрезидент-заңды тұлғасында не оның бас ұйымында, осы баптың 1-тармағында көзделген жағдайларды қоспағанда, тізбесін уәкілетті орган айқындайтын халықаралық рейтингтік агенттіктердің бірінің ең төменгі қажетті рейтингінің болмауы;

банктің қаржы жағдайының ықтимал нашарлауы жағдайларында банкті қайта капиталдандырудың ұсынылған жоспарының тиімсіздігі;

өтініш берушіде - жеке тұлғада, өтініш берушінің басшы қызметкерінде - заңды тұлғада мінсіз іскерлік беделдің болмауы;

бұрын уәкілетті орган немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті төлемге қабілетсіз банктер санатына жатқызу не оның акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын таратуға және (немесе) олардың қаржы нарығында қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағанға дейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгенге дейін бір жылдан аспайтын кезеңде тұлға ірі қатысушы-жеке тұлға не ірі қатысушы-заңды тұлғаның бірінші басшысы және (немесе) қаржы ұйымының, оның ішінде Қазақстан Республикасы бейрезидент-қаржы ұйымының басшы қызметкері болып табылған не табылатын жағдайлар негіз болып табылады. Көрсетілген талап уәкілетті орган немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті төлемге қабілетсіз банктер санатына жатқызу не оның акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын таратуға және (немесе) олардың қаржы нарығындағы қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағаннан кейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгеннен кейін бес жыл бойы қолданылады. Осы абзацтың мақсаттары үшін қаржы ұйымы деп Қазақстан Республикасы бейрезидент-банкінің филиалы да, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының филиалы да, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің филиалы да түсініледі;

өтініш беруші заңды тұлға орналасқан елдің қаржы ұйымдарын шоғырландырылған қадағалау саласындағы заңнамасының Қазақстан Республикасының заңнамалық актілерінде белгіленген шоғырландырылған қадағалау жөніндегі талаптарға сәйкес келмеуі;

ірі қатысушы-заңды тұлғалар және қаржы ұйымдары болып табылатын Қазақстан Республикасының бейрезидент-банк холдингтері бойынша – уәкілетті орган мен өтініш беруші резиденті болып табылатын мемлекеттің қаржылық қадағалау органдары арасында ақпарат алмасуды көздейтін келісімнің болмауы;

өтініш беруші – қаржы ұйымы өзі тұрған елде шоғырландырылған негізде қадағалауға жатпайтын жағдайлар;

Қазақстан Республикасының бейрезиденттері – банк конгломератының қатысушылары орналасқан елдердің заңнамалары олардың және банк конгломератының Қазақстан Республикасының заңдарында көзделген талаптарды орындауына мүмкіндік бермеуіне байланысты банк конгломератына шоғырландырылған қадағалау жүргізудің мүмкін болмауы;

банк ашуға рұқсат беруден бас тарту үшін негіздердің болуы негіз болып табылады.

Егер банк холдингі мәртебесін алғысы келетін тұлға еншілес қаржы ұйымын құратын немесе сатып алатын не қаржы ұйымының капиталына қомақты қатысуды сатып алатын жағдайда, уәкілетті орган ұсынылған құжаттарды қарау кезінде осы Заңның 11-1-бабының 6-тармағында көзделген бас тарту негіздерін ескереді. Еншілес ұйым құруға (сатып алуға), ұйымдардың жарғылық капиталына қомақты қатысуға рұқсат беруден бас тартуға негіздері болған кезде, уәкілетті орган банк холдингі немесе банктің ірі қатысушысы мәртебесін алуға келісім беруден бас тартады.

9-1. Осы баптың рейтингтік агенттіктердің бірінің талап етілетін ең төменгі рейтингісінің және уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісімнің болуы жөніндегі талаптары өтініш берушінің-Қазақстан Республикасының бейрезидент-қаржы ұйымының ұлттық басқарушы холдингтен Қазақстан Республикасының резидент-банкі акцияларының жүз пайызын сатып алуы жағдайларына қолданылмайды.

10. Мына жағдайлардың бірінің болуы:

өтініш беруші - заңды тұлға өтініш берген күнге дейін екі жылға жетпейтін уақытта құрылса;

өтініш беруші міндеттемелері басқа заңды тұлғалардың акцияларына және жарғылық капиталдарына қатысу үлестеріне орналастырылған банк акцияларын сатып алуға көзделген активтерінің сомасын шегеріп тастағанда өзінің активтерінен асып кетсе;

аяқталған әрбір соңғы екі қаржы жылының нәтижелері бойынша залал шексе;

өтініш беруші міндеттемелерінің мөлшері банктің қаржылық жай-күйін айтарлықтай тәуекелге ұрындыратындай болса;

өтініш берушінің банк алдында мерзімі өткен және (немесе) банк балансына жатқызылған берешегі болса;

өтініш берушінің банктің ірі қатысушысы мәртебесін алуының қаржылық салдарларын талдау банктің қаржылық жай-күйінің нашарлайтынын болжаса;

өтініш беруші мүлкінің құны (өтініш берушінің міндеттемелерін шегере отырып) банктің акцияларын сатып алу үшін жеткіліксіз болса;

өтініш берушінің орнықсыз қаржылық жағдайының бар екенін және (немесе) банкке және (немесе) оның депозиторларына нұқсан келтіру мүмкіндігін куәландыратын өзге де негіздер өтініш берушінің қаржылық жағдайының тұрақсыздық белгісі болып табылады.

11. Тұлға уәкілетті органның жазбаша келісімінсіз банктің ірі қатысушысы не банк холдингі белгілерін иеленген жағдайда, уәкілетті орган осы тұлғаға осы Заңда көзделген қадағалап ден қою шараларын, оның ішінде алты айдан аспайтын мерзімде банктің акцияларын өткізу жөніндегі талаптар тұрғысынан осы Заңның 47-1-бабында көзделген мәжбүрлеу шараларын қолдануға құқылы.

12. Банк холдингі болғысы келетін тұлғаларға уәкілетті органның келісім беруі банктің ірі қатысушысы үшін айқындалған шарттарда және тәртіппен жүзеге асырылады.

Банк холдингі болуға ниет білдірген тұлға тәуекелдерді басқару және ішкі бақылау жүйелерінің болуы бөлігінде, оның ішінде еншілес ұйымның қызметіне байланысты тәуекелдерге қатысты уәкілетті орган белгілеген талаптардың орындалуын қамтамасыз етуге тиіс.

12-1. Мынадай:

1) акционерлердің кезектен тыс жалпы жиналысын шақыру немесе директорлар кеңесі акционерлердің жалпы жиналысын шақырудан бас тартқан жағдайда оны шақыру туралы сотқа талап-арызбен жүгіну;

2) акционерлердің жалпы жиналысының күн тәртібіне қосымша мәселелер енгізу;

3) директорлар кеңесінің отырысын шақыру;

4) өз есебінен банкке аудиторлық ұйымның аудит өткізуі мәселелері бойынша акционерлердің шешім қабылдауын көздейтін олардың арасында жасалған келісім негізінде әрекет ететін және банктің орналастырылған (артықшылықты және банк сатып алған акциялары шегеріле отырып) немесе дауыс беретін акцияларының жиынтығы он және одан да көп пайызы өздеріне тиесілі акционерлер банктің ірі қатысушылары, банк холдингтері болып табылмайды.

13. Банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) жиырма бес және одан астам пайызын иеленетін немесе банк акцияларының жиырма бес және одан астам пайызымен тікелей немесе жанама дауыс беруге мүмкіндігі бар және:

1) банк қабылдайтын шешімдерге өздерінің арасында жасалған шартқа орай не өзгеше түрде бірлесіп ықпал ететін;

2) жеке алғанда немесе өзара бір-бірінің ірі қатысушылары болып табылатын;

3) олардың бірі басқа тұлғаның өкілі болып табылатын;

4) олардың бірі өздерінің арасында жасалған шартқа сәйкес екінші тұлғаға банк акцияларын сатып алу мүмкіндігін берген тұлғалар бірлесіп банк холдингі болып табылатын тұлғалар деп танылады.

14. Осы баптың талаптарына сәйкес банк холдингі немесе банктің ірі қатысушысы мәртебесін иелену үшін берілген өтініш бойынша шешімді уәкілетті орган өтініш берілгеннен кейін елу жұмыс күні ішінде қабылдауға тиіс.

Банк ашуға рұқсат алу шеңберінде берілген банктің ірі қатысушысы немесе банк холдингі мәртебесін беру туралы өтінішті уәкілетті орган банк ашуға рұқсат беруге арналған өтiнiшті қарау үшін белгіленген мерзімдерде қарайды.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат алу шеңберінде берілген банктің ірі қатысушысы немесе банк холдингі мәртебесін беру туралы өтінішті уәкілетті орган микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат беруге өтінішті қарау үшін белгіленген мерзімдерде қарайды.

Уәкілетті орган өтініш берушіні өз шешімінің нәтижелері туралы жазбаша түрде хабардар етуге міндетті, бұл ретте тиісті мәртебені иеленуге келісім беруден бас тартылған жағдайда жазбаша хабарламада бас тарту негіздері көрсетіледі.

Уәкілетті орган тұлғаның банк холдингі мәртебесін иеленуіне келісім берген кезде, бір мезгілде банк капиталына қомақты қатысуына не еншілес банк құруына (иеленуіне) рұқсат береді.

15. Келісім беруге негіз болған мәліметтер анық емес деп анықталған немесе өтініш беруші ірі қатысушы немесе банк холдингі мәртебесін иелену салдарынан Қазақстан Республикасының бәсекелестікті қорғау саласындағы заңнамасының талаптарын бұзған немесе ірі қатысушылар немесе банк холдингі Қазақстан Республикасы заңдарының талаптарын сақтамаған жағдайда уәкілетті орган келісімді қайтарып алуға негіз болып табылатын факті анықталған күннен бастап екі ай ішінде осы бапқа сәйкес берілген келісімнің күшін жою туралы шешім қабылдай отырып, оны қайтарып алуға құқылы. Бұл жағдайда, өзіне осындай шара қолданылатын тұлға алты ай ішінде өзіне тиесілі банк акцияларының санын осы бапта белгіленгеннен төмен деңгейге дейін азайтуға міндетті.

Осы бапқа сәйкес берілген келісім қайтарып алынған тұлға банктің акцияларын үшінші тұлғаға сенімгерлік басқаруға беруге құқылы емес.

Уәкілетті орган тиісті келісімді қайтарып алу туралы өздеріне қатысты шешім қабылдаған тұлғалар осы тармақтың талаптарын орындамаған жағдайда, осы тұлғалардың уәкілетті органның талаптарын орындауы үшін уәкілетті орган сотқа жүгінуге құқылы.

16. Егер тұлға уәкілетті органның алдын ала жазбаша келісімін алмастан банк холдингі, банктің ірі қатысушысы белгілеріне сәйкес келген болса, ол банктің басшылығына немесе саясатына ықпал етуге бағытталған ешқандай әрекеттер жасауға және (немесе) осы баптың ережелеріне сәйкес уәкілетті органның алдын ала жазбаша келісімін алғанға дейін осындай акциялар бойынша дауыс беруге құқылы емес.

Көрсетілген жағдайда банк холдингі, банктің ірі қатысушысы белгілеріне сәйкес келетін тұлға оның банк холдингі, банктің ірі қатысушысы белгілеріне сәйкес келетіні өзіне белгілі болған кезден бастап күнтізбелік он күн ішінде уәкілетті органды хабардар етуге міндетті.

Егер осы тұлға акцияларды көрсетілген мерзімде иеліктен шығарғысы келмесе ғана оның банк холдингі, банктің ірі қатысушысы белгілеріне сәйкес келетіні оған белгілі болған кезден бастап күнтізбелік отыз күн ішінде уәкілетті органға тиісті мәртебені иелену туралы өтініш табыс етіледі. Акцияларды иеліктен шығару туралы шешім қабылдау туралы ақпарат осындай шешім қабылданған күннен бастап дереу уәкілетті органға ұсынылады.

Уәкілетті орган банк холдингі, банктің ірі қатысушысы белгілеріне сәйкес келетін тұлғаға келісім беруден бас тартқан жағдайда, көрсетілген тұлға жазбаша хабарлама алған кезден бастап алты айдың ішінде өзіне тиесілі банк акцияларының санын осы бапта белгіленгеннен төмен деңгейге дейін азайтуға міндетті.

17. Егер уәкілетті органға тұлғаның банк холдингі немесе банктің ірі қатысушысы белгісіне сәйкес келетінін немесе банктің акцияларын тікелей, жанама иеленуші болып табылатынын немесе келісімнің негізінде немесе өзгеше түрде осы Заң талаптарына сәйкес уәкілетті органның келісімінсіз, банктің осы бапта белгіленген шектерге тең немесе одан асатын мөлшердегі акцияларымен дауыс беруге мүмкіндігі бар екенін көрсететін мәліметтер белгілі болса, ол жеке және заңды тұлғалардан ақпарат табыс етуді талап етуге құқылы. Ақпарат оны иеленетін кез келген тұлғадан, сондай-ақ осы тұлғалардың бақылауында болатын ұйымдардан талап етілуі мүмкін.

18. Банктің ірі қатысушысы, банк холдингі банктің өзіне тиесілі тікелей немесе жанама иеленетін немесе тікелей не жанама дауыс беруге мүмкіндігі бар акциялары санының орналастырылған (артықшылықты және банк сатып алған акциялары шегеріле отырып) акцияларының және (немесе) дауыс беретін акцияларының санына пайыздық арақатынасын өзгерту туралы, мұндай өзгеріс банктің немесе банк холдингінің меншікті акцияларды өзге акционерлерден сатып алуы салдарларынан болған жағдайларды қоспағанда, шешім қабылданған күннен бастап күнтізбелік отыз күн ішінде, растайтын құжаттарды табыс ете отырып, уәкілетті органға хабарлауға міндетті.

Банктің ірі қатысушысына, банк холдингіне тиесілі банк акцияларының саны (пайыздық немесе абсолюттік мәнінде) банктің орналастырылған (артықшылықты және банк сатып алған акциялары шегеріле отырып) акцияларының санына және (немесе) банктің дауыс беретін акцияларының санына қатысты ұлғаю жағына қарай өзгерген жағдайда банктің ірі қатысушысы, банк холдингі уәкілетті органға растайтын құжаттардың көшірмелерін қоса тіркеп, банк акцияларын сатып алу үшін пайдаланылатын қаражат көздері туралы ақпарат ұсынуға тиіс. Банктің ірі қатысушылары - жеке тұлғалар банктің акцияларын сатып алу үшін пайдаланатын қаражат көздері осы баптың 4-тармағының 1) тармақшасында айқындалған.

Банктің ірі қатысушысының, банк холдингінің өтініші бойынша банк акцияларының саны банктің орналастырылған акцияларының (артықшылықты және банк сатып алған акциялары шегеріле отырып) санына және (немесе) дауыс беретін акцияларының санына пайыздық арақатынасы банктің ірі қатысушысына, банк холдингіне тиесілі он немесе жиырма бес пайыздан кем болатын санға дейін өзгерген жағдайда не уәкілетті орган берілген келісімнің күшін жою үшін негіз болып табылатын фактілерді дербес анықтаған жағдайда, уәкілетті органның бұрын берілген жазбаша келісімінің күші уәкілетті орган көрсетілген өтінішті алған не уәкілетті орган берілген келісімнің күшін жою үшін негіз болып табылатын фактілерді анықтаған күннен кейінгі күннен бастап жойылды деп саналады.

Жеке тұлға болып табылатын банктің ірі қатысушысы өзіне тиесілі акциялар санын банктің орналастырылған акцияларының (артықшылықты және банк иеленген акциялар шегеріле отырып) жиырма бес немесе одан көп пайызына дейін ұлғайтқан жағдайда, құжаттарға қосымша ретінде және осы тармақта көрсетілген мерзімдерде таяудағы бес жылға арналған бизнес-жоспарды ұсынады, оған қойылатын талаптарды уәкілетті орган белгілейді.

19. Банк және банк холдингі өздерінің барлық ірі қатысушыларының немесе банк холдингтерінің (банк үшін) оларға тиесілі орналастырылған акцияларының (артықшылықты және сатып алынған акциялары шегеріле отырып) немесе банктің немесе банк холдингінің жарғылық капиталына қатысу үлестерінің санын, сондай-ақ олардың пайыздық арақатынасын көрсете отырып, тізімін есепті тоқсаннан кейінгі айдың онынан кешіктірмей уәкілетті органға тоқсан сайын табыс етіп отыруға міндетті.

20. Банктер өзінің дауыс беретін және (немесе) орналастырылған (артықшылықты және банк сатып алған акциялары шегеріле отырып) акцияларының он және одан астам пайызын иеленетін акционерлер құрамының өзгергені туралы осындай факт анықталған күннен бастап күнтізбелік он бес күн ішінде уәкілетті органды хабардар етуге міндетті.

21. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.
Ескерту. 17-1-бап жаңа редакцияда - ҚР 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), өзгерістер енгізілді - ҚР 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.03.01 № 414-IV (2010.01.01 бастап қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); 27.04.2015 № 311-V (01.01.2014 бастап қолданысқа енгізіледі); 29.10.2015 № 376-V (01.01.2016 бастап қолданысқа енгізіледі); 18.11.2015 № 412-V (01.01.2021 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 25.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 25.11.2019 № 272-VI (қолданысқа енгізілу тәртібін 3-баптан қараңыз); 03.07.2020 № 359-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 177-VII (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі) Заңдарымен.

17-2-бап. Банктің жарияланған акцияларын Қазақстан Республикасы Үкіметінің сатып алу ерекшеліктері

1. Осы Заңның 17-бабы 4-тармағының 1) тармақшасында көзделген жағдайда уәкілетті органның ұсынысы бойынша Қазақстан Республикасының Үкіметі банктің жарияланған акцияларын Үкімет не ұлттық басқарушы холдинг сатып алатын акцияларды қоса алғанда, Қазақстан Республикасы Үкіметінің не ұлттық басқарушы холдингтің орналастырылған акциялардың жалпы санының он пайызынан кем емес мөлшерде сатып алу мүмкіндігін қарайды.

Уәкілетті органның Қазақстан Республикасы Үкіметінің не ұлттық басқарушы холдингтің банктің жарияланған акцияларын орналастырылған акциялардың жалпы санының он пайызынан кем емес мөлшерде сатып алу мүмкіндігі туралы ұсынысы қаралғаннан кейін Қазақстан Республикасының Үкіметі банктің акцияларын сатып алу не сатып алудан бас тарту туралы шешім қабылдайды.

Банк акцияларына мемлекеттік меншік құқығы Қазақстан Республикасының Үкіметі республикалық мемлекеттік меншікке билік етуге уәкілеттік берген мемлекеттік органға тіркеледі.

2. Қазақстан Республикасы Үкіметінің банк акцияларын сатып алу туралы шешімі мыналарды:

банктің жарияланған орналастырылмаған немесе сатып алынған акциялары болмаған жағдайда не олардың саны жеткіліксіз болғанда, банктің жарияланған акцияларының жалпы саны соншама ұлғайтылатын акциялар санын;

мәжбүрлеп орналастырылатын (өткізілетін) акциялардың орналастыру (өткізу) бағасын және санын қамтуға тиіс.

3. Мәжбүрлеп орналастырылатын (өткізілетін) акциялардың орналастыру (өткізу) бағасы және саны ұлттық басқарушы холдингтің не Қазақстан Республикасының Үкіметі республикалық мемлекеттік меншікке билік етуге уәкілеттік берген мемлекеттік органның келісімі бойынша уәкілетті органның қорытындысы негізінде Қазақстан Республикасы Үкіметінің шешімімен, акцияларды орналастыру (өткізу) туралы шешім қабылданған күні қалыптасқан нарықтық баға бойынша айқындалады.

Қазақстан Республикасының Үкіметі республикалық мемлекеттік меншікке билік етуге уәкілеттік берген мемлекеттік органның не ұлттық басқарушы холдингтің бастамасы бойынша акцияларды орналастыру бағасын Қазақстан Республикасының заңнамасына сәйкес бағалаушы айқындауы мүмкін.

Акцияларды орналастыру бағасын бағалаушы айқындаған жағдайда бағалаумен байланысты шығындарды банк көтереді.

4. Қазақстан Республикасының Үкіметі банктің жарияланған акцияларын сатып алу және оларды ұлғайту туралы шешім қабылдаған күннен бастап үш жұмыс күні ішінде уәкілетті орган:

1) Қазақстан Республикасының заңнамасында көзделген тәртіппен және жағдайларда акциялар шығарылымы проспектісіне өзгерістер енгізеді;

2) проспектіге өзгерістер мен толықтыруларды мемлекеттік тіркеуді жүзеге асырады;

3) банкке акциялар шығарылымын мемлекеттік тіркеу туралы куәлікті жібереді және орталық депозитарийді жарияланған акциялар санының ұлғайтылғаны жөнінде хабардар етеді.

Банк акциялар шығарылымын мемлекеттік тіркеу туралы куәлікті алған күннен кейін күнтізбелік бес күн ішінде акцияларды мемлекеттік тіркеу туралы бұрын берілген куәліктің түпнұсқасын қайтаруға міндетті.

5. Банк акцияларын сатып алғаннан кейін Қазақстан Республикасының Үкіметі республикалық мемлекеттік меншікке билік етуге уәкілеттік берген мемлекеттік орган не ұлттық басқарушы холдинг құрамның отыз пайызынан аспайтын санда банктің атқарушы органының және (немесе) басқару органының мүшелерін тағайындайды, олар мемлекеттің немесе ұлттық басқарушы холдингтің мүдделерін білдіретін өкілдер болып табылады.

Қазақстан Республикасының Үкіметі республикалық мемлекеттік меншікке билік етуге уәкілеттік берген мемлекеттік орган не ұлттық басқарушы холдинг банктің лауазымды адамдарын немесе қызметкерлерін ауыстыру, банк активтерін оңтайландыру, жарғылық капиталды ұлғайту туралы мәселелерді және Қазақстан Республикасының заңнамасында көзделген тәртіппен өзге де мәселелерді қарау үшін банк акционерлерінің кезектен тыс жалпы жиналысын шақырады.

5-1. Қазақстан Республикасының Үкiметi не ұлттық басқарушы холдинг банктің жарияланған акцияларын сатып алған кезден бастап осы банктің еншілес ұйымдарына қатысты шешімдерді банктің директорлар кеңесі қабылдайды.

6. Банктің пруденциалдық нормативтерді және (немесе) сақталуға міндетті басқа да нормалар мен лимиттерді орындауына алып келген, оның қаржылық жай-күйі жақсарған жағдайда, Қазақстан Республикасының Үкіметі банктің осы бапқа сәйкес сатып алынған акцияларын тікелей атаулы сату жолымен не қор биржасында сауда-саттық жолымен өткізу жөнінде шаралар қолданады.

Банктің осы бапқа сәйкес сатып алынған акцияларын өткізу Қазақстан Республикасының Үкіметі белгілеген тәртіппен және мерзімдерде жүзеге асырылады.

7. Банктің жарияланған акцияларының санын ұлғайту, банктің жарияланған акцияларын Қазақстан Республикасы Үкіметінің не ұлттық басқарушы холдингтің сатып алуы, сондай-ақ осы баптың негізінде банктің атқарушы органының және (немесе) басқару органының мүшелерін тағайындау банк органдарының шешім қабылдауынсыз жүзеге асырылады.

Акционерлердің банктің осы баптың 1-тармағына сәйкес орналастырылатын (өткізілетін) жарияланған акциялары бойынша басымдықпен сатып алу құқығы жоқ.

Ескерту. 17-2-баппен толықтырылды - ҚР 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 166-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

18-бап. Қазақстан Республикасының резиденттерi емес банкiлердiң еншiлес банк құру ерекшелiктерi

1. Рейтинг агенттiктерi бiрiнiң белгiлi бiр рейтингi бар Қазақстан Республикасының резиденттерi емес банкiлер еншiлес банкiге еншi берушi банк бола алады. Негiзгi рейтинг агенттiктерiнiң тiзбесi мен талап етiлетiн ең төменгi рейтингтi уәкiлеттi орган белгiлейдi.

2. (алып тасталды)
Ескерту. 18-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 1999.07.16 № 436, 2003.07.10 № 483 (01.01.2004 бастап қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

19-бап. Банк ашуға рұқсат беру жөнiндегi өтiнiш

1. Заңды тұлға немесе жеке тұлға банк ашуға рұқсат беру жөнiнде уәкiлеттi органға өтiнiш жасауға құқылы.

2. Өтiнiш қазақ немесе орыс тiлдерiнде берiледi және онда өтiнiш берушiнiң мекен-жайы көрсетiлуге тиiс.

3. Уәкілетті органның нормативтік құқықтық актісінде белгіленген нысан бойынша берілген банк ашуға рұқсат беру туралы өтiнiшке мынадай құжаттар:

1) нотариат куәландырған және Қазақстан Республикасының заңнамасында белгіленген тәртіппен ресімделген құрылтай жиналысы хаттамасының көшірмесі;

2) банктің жарғылық капиталындағы үлесі он пайыздан аз болатын құрылтайшылар – жеке және заңды тұлғалар (уәкілетті орган айқындаған тізбе бойынша) туралы мәліметтер, оның ішінде құрылтайшы-заңды тұлғаның аудиторлық ұйым куәландырған, аяқталған соңғы екі қаржы жылына қаржылық есептілігі (бар болса, шоғырландырылған есептілікті қоса алғанда) қоса берілуге тиiс.

Қаржылық есептілік депозитарийінің интернет-ресурсында қаржылық есептілік болған немесе уәкілетті органның оны "электрондық үкімет" веб-порталы арқылы алуға мүмкіндігі болған жағдайда, осы есептілік ұсынылмайды;

3) осы Заңның 11-1-бабында көзделген тәртіппен құжаттар мен мәліметтер;

4) осы Заңның 17-1-бабында көзделген өтініш пен бизнес-жоспарды қоспағанда, өтініш берушінің банктің ірі қатысушысы немесе банк холдингі мәртебесін иеленуі қажет болған жағдайда, осы Заңның 17-1-бабында көзделген тәртіппен құжаттар мен мәліметтер;

5) акцияларды сатып алу шарттары мен тәртібін, сондай-ақ акцияларды сатып алу үшін пайдаланылатын көздер мен қаражатты растайтын құжаттардың көшірмелері қоса берілуге тиiс. Осы Заңның 17-1-бабы 4-тармағының 1) тармақшасында көрсетілген қаражат банк акцияларын сатып алу үшін пайдаланылатын қаражат көзі болып табылады;

6) құрылтайшылар құжаттарға қол қоюға уәкілеттік берген тұлға бекіткен, жаңадан құрылатын банктің бизнес-жоспары қоса берілуге тиiс. Бизнес-жоспардың мазмұнына қойылатын талаптарды ашылатын банктің толық құрылымын ашып көрсетуді, қызмет стратегиясын, қызмет бағыттары мен ауқымдарын, қаржылық перспективаларын (бюджетін, есеп-қисап балансын, алғашқы үш қаржы жылындағы (операциялық жылдағы) пайда мен шығындар есебін, маркетинг жоспарын (банк клиентурасын қалыптастыруды), еңбек ресурстарын тарту жоспарын, тәуекелдерді басқаруды ұйымдастыруды қоса алғанда, уәкілетті орган белгілейді;

7) алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен;
8) алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен;

9) Қазақстан Республикасының заңнамасында белгіленген тәртіппен ресімделген құрылтай құжаттарының (құрылтай шарты, жарғы) (салыстырып тексеру үшін түпнұсқалары ұсынылмаған жағдайда нотариат куәландырған) көшірмелері қоса берілуге тиiс.

10) алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.

4. Аудиторлық ұйымның есебi:

ол акционерлер мен олардың лауазымды адамдарынан тәуелсiз екендiгiн;

ол аудиторлық қызмет саласында мемлекеттік реттеу мен аудиторлық және кәсіби аудиторлық ұйымдардың қызметін бақылауды жүзеге асыратын уәкілетті мемлекеттік органның қаржы ұйымдарының міндетті аудитін жүргізу жөніндегі лицензиясына және біліктілік талаптарына сәйкес не резиденті болып табылатын мемлекеттің құзыретті органының аудиторлық қызметті жүзеге асыруға берілген лицензиясына сәйкес аудиторлық қызметті жүзеге асыруға уәкілетті екенін растайтын құжаттарды табыс еткен жағдайда ғана жарамды деп танылады.

5. Уәкiлеттi орган банк ашуға рұқсат беру жөнiнде шешiм қабылдау үшiн қажеттi қосымша ақпарат немесе құжаттар сұратуға құқылы.

6. Өтiнiш берушi банк ашуға рұқсат беру жөнiндегi өтiнiштi ол уәкiлеттi органда қаралып жатқан кез келген сәтте қайтарып алуы мүмкiн.

Ескерту. 19-бапқа өзгерту енгізілді – ҚР 1997.07.11 № 154 Заңымен, 2001.03.02 № 162 Заңымен, 2003.07.10 № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен, 2005.07.08 № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен, 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.05.05 № 139 , 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.11.20 № 88-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

20-бап. Банктің және банк холдингінің басшы қызметкерлеріне қойылатын талаптар

1. Банктің басқару органының басшысы мен мүшелері, атқарушы органының басшысы, оның орынбасары және атқарушы органының мүшелері, банктің құрылымдық бөлімшелерінің қызметін үйлестіруді және (немесе) бақылауды жүзеге асыратын және банк операцияларын жүргізуге негіз болатын құжаттарға қол қою құқығына ие өзге де басшылары, бас бухгалтер, бас бухгалтердің орынбасары банктің басшы қызметкерлері деп танылады.

Банктің оқшауланған бөлімшелерінің бірінші басшылары және олардың бас бухгалтерлері, сондай-ақ банк операцияларын жүргізуге негіз болатын құжаттарға қол қоюға құқығы бар және бір ғана құрылымдық бөлімшенің қызметін бақылауды жүзеге асыратын адамдар банктің басшы қызметкерлері болып табылмайды.

1-1. Қазақстан Республикасы бейрезидент-банкі филиалының басшысы және оның орынбасарлары, Қазақстан Республикасы бейрезидент-банкі филиалы құрылымдық бөлімшелерінің қызметін үйлестіруді және (немесе) бақылауды жүзеге асыратын және банк операцияларын жүргізуге негіз болатын құжаттарға қол қою құқығына ие өзге де басшылары, бас бухгалтер, бас бухгалтердің орынбасары Қазақстан Республикасы бейрезидент-банкі филиалының басшы қызметкерлері болып танылады. Қазақстан Республикасы бейрезидент-банкі филиалының кемінде екі басшы қызметкері Қазақстан Республикасының резиденті болуға тиіс.

Қазақстан Республикасы бейрезидент-банкі филиалының басшысы және оның орынбасарлары заңды тұлғаның атқарушы органы басшысының не атқарушы органының функцияларын жеке-дара жүзеге асыратын адамның, басқа қаржы ұйымдарында және Қазақстан Республикасы бейрезидент-банкінің филиалдарында, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымдарының филиалдарында, Қазақстан Республикасы бейрезидент-сақтандыру брокерлерінің филиалдарында басшы қызметкердің лауазымын атқаруға құқылы емес.

2. Банк қаржы жылы аяқталған соң күнтізбелік бір жүз жиырма күн ішінде Қазақстан Республикасының Ұлттық Банкiне банктің қаржы жылы ішінде банктің барлық басшы қызметкерлеріне төлеген кірістері туралы мәліметтерді қамтитын есептілікті уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкiнің нормативтік-құқықтық актісінде белгіленген нысан бойынша ұсынуға міндетті.

Банктің басшы қызметкерлеріне еңбекақы төлеу, ақшалай сыйақыны, сондай-ақ оларға материалдық көтермелеудің басқа түрлерін есебіне жазу бойынша банктің ішкі саясатына қойылатын талаптар уәкілетті органның нормативтік-құқықтық актісінде айқындалады.

3. Мыналар:

1) жоғары білімі жоқ;

2) мынадай:

тізбесін уәкілетті орган белгілейтін халықаралық қаржы ұйымдарында;

және (немесе) қаржы нарығы мен қаржы ұйымдарын реттеу, бақылау және қадағалау саласында;

және (немесе) қаржылық көрсетілетін қызметтерді ұсыну саласында;

және (немесе) қаржы ұйымдарына аудит жүргізу бойынша;

және (немесе) қаржы ұйымдарына аудит жүргізу жөніндегі көрсетілетін қызметтерді реттеу саласында;

және (немесе) экономика, қаржы немесе мемлекеттік аудит және қаржылық бақылау салаларында мемлекеттік саясатты қалыптастыруды қамтамасыз ететін мемлекеттік саяси қызметшілер лауазымдарында;

және (немесе) ұлттық басқарушы холдингте, Қазақстанның Даму Банкінде, жеке кәсіпкерлікті дамытудың арнаулы қорында, тікелей инвестициялар нарығын дамытуды жүзеге асыратын ұлттық басқарушы холдингтің еншілес ұйымында осы баптың 5-1-тармағының 3-2) тармақшасында көзделген лауазымдарда осы бапта белгіленген еңбек өтілі жоқ;

2-1) осы бапта белгіленген талаптарға сай келмейтін;

3) мінсіз іскерлік беделі жоқ;

4) бұрын уәкілетті орган немесе Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті, Қазақстан Республикасы бейрезидент-банкінің филиалын төлемге қабілетсіз банктер, Қазақстан Республикасы бейрезидент-банктерінің филиалдары санатына жатқызу туралы не банктің акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын, Қазақстан Республикасы бейрезидент-банкінің филиалын, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының филиалын, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің филиалын таратуға және (немесе) олардың қаржы нарығындағы қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағанға дейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгенге дейін не Қазақстан Республикасының заңдарында белгіленген жағдайларда Қазақстан Республикасының бейрезидент-банкі филиалының, Қазақстан Республикасының бейрезидент-сақтандыру (қайта сақтандыру) ұйымы филиалының қызметін мәжбүрлеп тоқтату туралы сот шешімі заңды күшіне енгенге дейін бір жылдан аспайтын кезеңде қаржы ұйымының басқару органының басшысы, мүшесі, атқарушы органының басшысы, оның орынбасары немесе атқарушы органының мүшесі, бас бухгалтері, бас бухгалтерінің орынбасары, Қазақстан Республикасы бейрезидент-банкі филиалының, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымы филиалының, Қазақстан Республикасы бейрезидент-сақтандыру брокері филиалының басшысы, басшысының орынбасары, бас бухгалтері, бас бухгалтерінің орынбасары, ірі қатысушы-жеке тұлға, қаржы ұйымының, оның ішінде Қазақстан Республикасы бейрезидент-қаржы ұйымының ірі қатысушы (банк холдингі)-заңды тұлғасының басшысы болып табылған адам банктің басшы қызметкері лауазымын атқара алмайды (олар тағайындала (сайлана) алмайды).

Көрсетілген талап уәкілетті орган немесе Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті, Қазақстан Республикасы бейрезидент-банкінің филиалын төлемге қабілетсіз банктер, Қазақстан Республикасы бейрезидент-банкінің филиалдары санатына жатқызу не банктің акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын, Қазақстан Республикасы бейрезидент-банкінің филиалын, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының филиалын, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің филиалын таратуға және (немесе) олардың қаржы нарығындағы қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағаннан кейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгеннен кейін не Қазақстан Республикасының заңдарында белгіленген жағдайларда Қазақстан Республикасы бейрезидент-банкі филиалының, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымы филиалының қызметін мәжбүрлеп тоқтату туралы сот шешімі заңды күшіне енгеннен кейін бес жыл бойы қолданылады.

Осы тармақшаның талабы көрсетілген банктердің акцияларын осы Заңның 17-2-бабына сәйкес Қазақстан Республикасының Үкіметі не ұлттық басқарушы холдинг иеленгенге дейін тағайындалған (сайланған) басшы қызметкерлерді қоспағанда, дауыс беретін акцияларының елу және одан да көп пайызы ұлттық басқарушы холдингке тікелей немесе жанама түрде тиесілі, өздеріне қатысты осы Заңға сәйкес қайта құрылымдау жүзеге асырылған банктердің басшы қызметкерлеріне қолданылмайды;

5) қадағалап ден қою шарасын қолдану арқылы осы және (немесе) өзге қаржы ұйымында, банк, сақтандыру холдингінде, Қазақстан Республикасы бейрезидент-банкінің осы және (немесе) өзге филиалында, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының осы және (немесе) өзге филиалында, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің осы және (немесе) өзге филиалында басшы қызметкер лауазымына тағайындауға (сайлауға) келісімі кері қайтарып алынған және (немесе) қызметтік міндеттерін орындаудан шеттетілген адам банктің басшы қызметкері лауазымын атқара алмайды (оған тағайындала (сайлана) алмайды). Көрсетілген талап уәкілетті орган басшы қызметкер лауазымына тағайындауға (сайлауға) келісімді кері қайтарып алу туралы немесе қызметтік міндеттерін орындаудан шеттету туралы шешім қабылдағаннан кейін қатарынан соңғы он екі ай бойы қолданылады.

Сыбайлас жемқорлық қылмыс жасаған не тағайындалған (сайланған) күнге дейін үш жыл ішінде сыбайлас жемқорлық құқық бұзушылық жасағаны үшін әкімшілік жазаға тартылған адам да банктің басшы қызметкері лауазымын атқара алмайды (оған тағайындала (сайлана) алмайды);

6) қатарынан төрт және одан да көп кезең бойы шығарылған эмиссиялық бағалы қағаздар бойынша купондық сыйақы төлеу бойынша дефолтқа жол берген не шығарылған эмиссиялық бағалы қағаздар бойынша купондық сыйақы төлеу бойынша берешегінің сомасы купондық сыйақының төрт еселенген және (немесе) одан да көп мөлшерін құрайтын не шығарылған эмиссиялық бағалы қағаздар бойынша негізгі борышты төлеу бойынша дефолттың мөлшері республикалық бюджет туралы заңда төлеу күніне белгіленген айлық есептік көрсеткіштен он мың есе асып түсетін соманы құрайтын дефолтқа жол берген бұрын қаржы ұйымының басқару органының басшысы, мүшесі, атқарушы органының басшысы, мүшесі, бас бухгалтері, ірі қатысушы (ірі акционер) – жеке тұлға, ірі қатысушы (ірі акционер) – заңды тұлға – эмитенттің басқару органының басшысы, мүшесі, атқарушы органының басшысы, мүшесі, бас бухгалтері болған адам банктің басшы қызметкері лауазымын атқара алмайды (оған тағайындала (сайлана) алмайды). Көрсетілген талап осы тармақшада көзделген мән-жайлар туындаған кезден бастап бес жыл бойы қолданылады.

3-1. Банкпен ерекше қатынастар арқылы байланысты және (немесе) банктің директорлар кеңесінің мүшесі – тәуелсіз директор лауазымына өзін келісу туралы өтінішхат берілген күннің алдындағы үш жыл бойы сондай болған адам болып табылатын адам банктің директорлар кеңесінің мүшесі – тәуелсіз директор лауазымын атқара алмайды (оған тағайындала (сайлана) алмайды).

4. Банктің ірі қатысушысы банктің атқарушы органының басшысы лауазымына тағайындала (сайлана) алмайды.

Атқарушы орган мүшелерінің саны кемінде үш адам болуға тиіс.

5. Осы баптың 3-тармағының 2) тармақшасында көзделген талапқа сай келу үшін:

1) бас банктің атқарушы органының мүшесі болып табылатын басқару органының басшысы немесе мүшесі, атқарушы органның басшысы, Қазақстан Республикасы бейрезидент-банкі филиалының басшысы лауазымдарына кандидаттар үшін – кемінде бес жыл, оның ішінде басшы лауазымында кемінде үш жыл;

2) банктің басқару органының басшысы лауазымына кандидаттар үшін – кемінде бес жыл, оның ішінде басшы лауазымында кемінде екі жыл;

3) банктің атқарушы органының мүшелері, банктің атқарушы органы басшысының орынбасары, Қазақстан Республикасы бейрезидент-банкінің филиалы басшысының орынбасары лауазымына кандидаттар үшін – кемінде үш жыл, оның ішінде басшы лауазымында кемінде екі жыл;

4) басқару органының мүшесі лауазымына кандидаттар үшін – кемінде екі жыл, оның ішінде басшы лауазымында кемінде бір жыл;

5) банктің, Қазақстан Республикасы бейрезидент-банкі филиалының бас бухгалтері лауазымына кандидаттар үшін – кемінде үш жыл;

6) банктің, Қазақстан Республикасы бейрезидент-банкі филиалының бас бухгалтерінің орынбасары лауазымына кандидаттар үшін – кемінде екі жыл;

7) банктің, Қазақстан Республикасы бейрезидент-банкі филиалының құрылымдық бөлімшелерінің қызметін үйлестіруді және (немесе) бақылауды жүзеге асыратын және банк операцияларын жүргізуге негіз болатын құжаттарға қол қою құқығына ие банктің, Қазақстан Республикасы бейрезидент-банкі филиалының өзге де басшылары лауазымдарына кандидаттар үшін кемінде бір жыл еңбек өтілі болуы қажет.

Халықаралық сертификаттармен расталған кәсіби біліктілікке ие кандидаттар үшін еңбек өтілінің болуы жөніндегі ерекшеліктер және осындай сертификаттардың тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Банктің тек қана қауіпсіздік мәселелеріне, әкімшілік-шаруашылық мәселелеріне, ақпараттық технологиялар мәселелеріне жетекшілік ететін атқарушы органның мүшелері лауазымдарына кандидаттар үшін осы баптың 3-тармағының 2) тармақшасында көзделген еңбек өтілінің болуы талап етілмейді.

Осы тармақта айқындалған еңбек өтіліне қаржы ұйымының бөлімшелеріндегі шаруашылық қызметті жүзеге асыруға, қауіпсіздікті қамтамасыз етуге, ақпараттық технологияларды дамытуға байланысты жұмыс, сондай-ақ өзара сақтандыру қоғамындағы және микроқаржылық қызметті жүзеге асыратын ұйымдағы жұмыс кірмейді.

Уәкілетті органның нормативтік құқықтық актісінде көзделген жағдайларды қоспағанда, тәуелсіз директор болып табылатын басқару органының мүшесі осы банктің тәуелсіз директоры лауазымын қатарынан он жылдан аса атқаруға құқылы емес.

5-1. Осы баптың 5-тармағы бірінші бөлігі 1), 2), 3) және 4) тармақшаларының мақсаттары үшін басшы лауазым деп:

1) қаржы ұйымы, Қазақстан Республикасы бейрезидент-банкінің филиалы, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының филиалы, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің филиалы басшы қызметкерінің;

2) қызметі қаржылық қызметтер көрсетуге байланысты, қаржы ұйымының, Қазақстан Республикасы бейрезидент-банкі филиалының, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымы филиалының, Қазақстан Республикасы бейрезидент-сақтандыру брокері филиалының дербес құрылымдық бөлімшесі басшысының;

3) қаржылық көрсетілетін қызметтерді реттеу саласында және (немесе) қаржы ұйымдарының аудиторлық қызметі саласындағы реттеу және мемлекеттік бақылау саласындағы мемлекеттік органның бірінші басшысының және оның орынбасарының, дербес құрылымдық бөлімшесі басшысының немесе басшысы орынбасарының;

3-1) экономика, қаржы немесе мемлекеттік аудит және қаржылық бақылау салаларында мемлекеттік саясатты қалыптастыруды қамтамасыз ететін мемлекеттік саяси қызметшінің;

3-2) ұлттық басқарушы холдингтің, Қазақстан Даму Банкінің, жеке кәсіпкерлікті дамытудың арнаулы қорының, тікелей инвестициялар нарығын дамытуды жүзеге асыратын ұлттық басқарушы холдингтің еншілес ұйымының басқару органының басшысы мен мүшелерінің, атқарушы органы басшысының, оның орынбасарының және мүшелерінің;

4) қаржы ұйымының, Қазақстан Республикасы бейрезидент-банкі филиалының, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымы филиалының, Қазақстан Республикасы бейрезидент-сақтандыру брокері филиалының қаржылық қызметтер көрсетуге байланысты мәселелерге жетекшілік ететін өзге басшысының лауазымы түсініледі.

6. Банктің басшы қызметкері лауазымына кандидат тиісті функцияларды уәкілетті органмен келіспей жүзеге асыруға құқылы емес.

Банктің басқару органының мүшесі өзі сайланған күннен бастап күнтізбелік алпыс күннен аспайтын мерзім бойы тиісті функцияларды уәкілетті органмен келіспей жүзеге асыруға құқылы.

Банк холдингі мәртебесін алған тұлғаның басшы қызметкерлері заңды тұлға банк холдингі мәртебесін алған кезде тұлға банк холдингі белгілеріне ие болған күннен бастап күнтізбелік алпыс күннен аспайтын мерзім бойы тиісті функцияларды уәкілетті органмен келіспей жүзеге асыруға құқылы.

Осы тармақта көрсетілген мерзім өткеннен кейін және келісуге арналған құжаттардың толық топтамасы уәкілетті органға ұсынылмаған не уәкілетті орган келісуден бас тартқан жағдайда, банк осы басшы қызметкердің өкілеттіктерін тоқтату жөнінде шаралар қабылдауға міндетті.

Банктің атқарушы органының басшысы (Қазақстан Республикасы бейрезидент-банкі филиалының басшысы), банктің (Қазақстан Республикасы бейрезидент-банкі филиалының) бас бухгалтері басқа банктерде, оның ішінде Қазақстан Республикасының бейрезиденттері болып табылатындарында, Қазақстан Республикасы бейрезидент-банкінің филиалдарында атқарушы органның мүшесі (Қазақстан Республикасының бейрезидент-банкі филиалы басшысының орынбасары), бас бухгалтер лауазымын атқаруға құқылы емес.

Егер банктер бір-біріне қатысты бас және еншілес ұйым болып табылса, көрсетілген шектеу қолданылмайды.

Банктің атқарушы органы басшысының міндеттерін атқару банктің атқарушы органының мүшесіне не банктің бас бухгалтерінің міндеттерін атқару банктің бас бухгалтерінің орынбасарына күнтізбелік отыз күннен аспайтын мерзімге жүктелетін жағдайларды қоспағанда, осы баптың талаптарына сай келмейтін және уәкілетті органмен келісілмеген адамдардың банктің басшы қызметкерінің міндеттерін атқаруына (уақытша болмаған кезде алмастыруына) тыйым салынады.

Уәкілетті органмен келісілген кандидатураның болмауына байланысты осы тармақтың жетінші бөлігінде аталған тұлғаларға банктің атқарушы органы басшысының не банктің бас бухгалтерінің міндеттерін атқаруды (уақытша болмаған адамды алмастыруды) жиынтығында қатарынан он екі ай ішінде күнтізбелік бір жүз сексен күннен артық жүктеуге жол берілмейді.

Уәкілетті орган банктің басшы қызметкерлерін тағайындауға (сайлауға) келісім беру үшін ұсынылған құжаттарды уәкілетті органның нормативтік құқықтық актісінің талаптарына сәйкес құжаттардың толық топтамасы ұсынылған күннен бастап отыз жұмыс күні ішінде қарайды.

Уәкілетті орган банктің басшы қызметкерлерін тағайындауға (сайлауға) келісім алу үшін ұсынылған құжаттарды қарау мерзімін уәкілетті орган осы басшы қызметкерлерге немесе басшы қызметкер лауазымына кандидаттарға қатысты уәжді пайымдауды қалыптастыру кезінде тоқтата тұрады. Осы мерзім уәжді пайымдау жобасы банкке немесе банктің басшы қызметкеріне немесе банктің басшы қызметкері лауазымына кандидатқа жіберілген кезден бастап уәкілетті орган уәжді пайымдауды қабылдаған күнге дейін тоқтатыла тұрады.

Уәкілетті органмен келісілген, банктің басшы қызметкері лауазымына кандидат банктің басшы қызметкерін тағайындауға (сайлауға) келісім алынған кезден бастап он екі ай ішінде келісілген лауазымға тағайындалуға (сайлануға) құқылы.

Банктің уәкілетті органмен келісілген басшы қызметкері, осы тармақтың он үшінші бөлігінде көзделген жағдайды және уәкілетті органның осы баптың 11-тармағында көзделген негіздер бойынша банктің басшы қызметкері лауазымына тағайындауға (сайлауға) келісімді кері қайтарып алуын қоспағанда, банктің басшы қызметкерінің өкілеттігі тоқтатылған күннен бастап алты ай ішінде уәкілетті органның келісімін алмай осы немесе өзге банктегі ұқсас басшы қызметкер лауазымына тағайындалуы мүмкін.

Тәуелсіз директор лауазымына уәкілетті органмен келісілген банктің басқару органының мүшесі осы бапта және "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 1-бабының 20) тармақшасында белгіленген талаптарға сәйкес келген кезде өкілеттігі тоқтатылған күннен бастап алты ай ішінде уәкілетті органның келісімін алмай осы банктің ғана тәуелсіз директоры болып қайта сайлана алады.

Егер көрсетілген мерзімдер өткеннен кейін банк уәкілетті органға банктің осы басшы қызметкерінің тағайындалғаны (сайланғаны) туралы хабарламаны ұсынбаса, банктің басшы қызметкерін тағайындауға (сайлауға) бұрын берілген келісім жарамсыз деп есептеледі.

7. Мінсіз іскерлік беделінің болмауы өлшемшартын қоса алғанда, банктің, банк холдингінің басшы қызметкерін тағайындауға (сайлауға) уәкілетті органның келісім беру тәртібі, келісім алу үшін қажетті құжаттар уәкілетті органның нормативтік құқықтық актілерінде айқындалады.

Банктің, банк холдингінің басшы қызметкерін тағайындауға (сайлауға) келісім бергені үшін мөлшері мен төлеу тәртібі Қазақстан Республикасының салық заңнамасында айқындалатын алым алынады.

8. Уәкілетті орган банктің басшы қызметкерлерін тағайындауға (сайлауға) келісім беруден мынадай негіздер бойынша бас тартады:

1) банктің басшы қызметкерлерінің және банктің басшы қызметкері лауазымдарына кандидаттардың осы бапта, "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 1-бабының 20) тармақшасында, 54-бабының 4-тармағында, 59-бабының 2-тармағында және "Бухгалтерлік есеп пен қаржылық есептілік туралы" Қазақстан Республикасы Заңының 9-бабында белгіленген талаптарға сай келмеуі;

2) тестілеудің теріс нәтижесі.

Мыналар тестілеудің теріс нәтижелері болып табылады:

кандидатты тестілеу нәтижесі дұрыс жауаптардың жетпіс пайызынан аз болуы;

кандидаттың уәкілетті орган айқындаған тестілеу тәртібін бұзуы;

келісілген мерзім өткенге дейін кандидаттың уәкілетті орган белгілеген уақытта тестілеуге келмеуі;

3) банктің немесе банктің басшы қызметкері лауазымына кандидаттың уәкілетті орган ескертулерін уәкілетті орган белгілеген мерзімде жоймауы немесе банктің, банк холдингінің немесе банктің басшы қызметкері лауазымына кандидаттың уәкілетті орган ескертулерін ескере отырып пысықталған құжаттарды осы баптың 6-тармағының сегізінші бөлігінде белгіленген, уәкілетті органның құжаттарды қарау мерзімі өткеннен кейін ұсынуы;

3-1) кандидатты банктің басшы қызметкері лауазымына сайлаудың (тағайындаудың) Қазақстан Республикасының заңнамасында белгіленген тәртібінің бұзылуы;

4) басшы қызметкер уәкілетті органның келісімінсіз өз лауазымын атқарып отырған осы баптың 6-тармағында белгіленген мерзім өткеннен кейін құжаттарды ұсынуы;

5) алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен;
6) алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен;

7) уәкілетті органда кандидаттың бағалы қағаздар нарығында айла-шарғы жасау мақсатында жасалды деп танылған және (немесе) үшінші тұлғаға (үшінші тұлғаларға) нұқсан келтіруге алып келген әрекеттер жасағаны туралы мәліметтердің (фактілердің) болуы.

Осы талап санамаланған оқиғалардың ең алдыңғысы басталған:

уәкілетті орган кандидаттың әрекеттерін бағалы қағаздар нарығында айла-шарғы жасау мақсатында жасалды деп таныған;

уәкілетті орган осындай әрекеттерді жасау салдарынан үшінші тұлғаға (үшінші тұлғаларға) нұқсан келтірілгенін растайтын фактілерді алған күннен бастап бір жыл бойы қолданылады;

8) уәкілетті органда кандидаттың уәкілетті орган бағалы қағаздар нарығында айла-шарғы жасау мақсатында жасалды деп танылған әрекеттерді жасағаны үшін қадағалап ден қою шараларын қолданған және (немесе) Қазақстан Республикасы Әкімшілік құқық бұзушылық туралы кодексінің 259-бабында көзделген әкімшілік құқық бұзушылық үшін әкімшілік жаза қолданылған қаржы ұйымының қызметкері және (немесе) әрекеттері мәмілеге қатысушы қаржы ұйымына және (немесе) үшінші тұлғаға (үшінші тұлғаларға) нұқсан келтіруге алып келген қаржы ұйымының қызметкері болып табылатындығы туралы мәліметтердің болуы.

Осы талап санамаланған оқиғалардың ең алдыңғысы басталған:

уәкілетті орган кандидаттың әрекеттерін бағалы қағаздар нарығында айла-шарғы жасау мақсатында жасалды деп таныған;

уәкілетті орган кандидаттың әрекеттері салдарынан қаржы ұйымына және (немесе) үшінші тұлғаға (үшінші тұлғаларға) нұқсан келтірілгенін растайтын фактілерді алған күннен бастап бір жыл бойы қолданылады.

Осы тармақшаның мақсаттары үшін қаржы ұйымының қызметкері деп жоғарыда көрсетілген бұзушылықтарға алып келген мәселелер бойынша шешімдер қабылдау құзыретіне кірген қор биржасының басшы қызметкері не оның міндетін атқарған адам және (немесе) трейдері түсініледі.

Осы тармақтың бірінші бөлігінің 7) және 8) тармақшаларында көрсетілген мәліметтерге уәкілетті орган Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің қаржылық қадағалау органынан алған мәліметтер де жатады.

9. Уәкілетті орган банктің басқару органының мүшесін тағайындауға (сайлауға) келісім беруден бас тартқан не оның өкілеттігі көрсетілген келісім берілгенге дейін тоқтатылған немесе осы баптың 6-тармағында көзделген мерзімде құжаттар келісу үшін уәкілетті органға ұсынылмаған жағдайда, осы адам осы банктің басқару органы мүшесінің лауазымына, тиісінше, өзін тағайындауға (сайлауға) келісім беруден уәкілетті органның бас тартуын алғаннан, өзінің өкілеттігі тоқтатылғаннан кейін күнтізбелік тоқсан күннен кейін, бірақ қатарынан он екі ай ішінде екі реттен артық емес қайта тағайындалуы (сайлануы) мүмкін.

Банктің тиісті органы шешім қабылдаған күннен бастап бес жұмыс күні ішінде банк уәкілетті органды басшы қызметкерлердің құрамында болған, оларды тағайындауды (сайлауды), басқа лауазымға ауыстыруды, еңбек шартын бұзуды және (немесе) өкілеттіктерін тоқтатуды қоса алғанда, барлық өзгерістер туралы, басшы қызметкерді сыбайлас жемқорлық құқық бұзушылық жасағаны үшін әкімшілік жауаптылыққа тарту туралы, сондай-ақ растайтын құжаттарының көшірмелерін қоса бере отырып, басшы қызметкердің тегіндегі, атындағы, әкесінің атындағы (егер ол жеке басын куәландыратын құжатта көрсетілсе) өзгерістер туралы хабардар етуге міндетті.

Банктің басшы қызметкері қылмыстық жауаптылыққа тартылған жағдайда, банк уәкілетті органды осындай ақпарат банкке белгілі болған күннен бастап бес жұмыс күні ішінде хабардар етеді.

"Қаржы нарығы мен қаржы ұйымдарын мемлекеттiк реттеу, бақылау және қадағалау туралы" Қазақстан Республикасы Заңының 13-5-бабына сәйкес уәкілетті органның уәжді пайымдауды қалыптастыруы мен пайдалануына негіз болатын жағдайлар, фактілер және (немесе) мән-жайлар болған кезде уәкілетті орган банкке банктің басшы қызметкеріне қатысты уәжді пайымдауды қалыптастыру туралы хабарлама жібереді.

Өзіне қатысты уәжді пайымдау қалыптастырылатын адам уәкілетті орган "Қаржы нарығы мен қаржы ұйымдарын мемлекеттiк реттеу, бақылау және қадағалау туралы" Қазақстан Республикасы Заңының 13-5-бабында көзделген тәртіппен және мерзімдерде шешім қабылдағанға дейін өз міндеттеріне кірісуге құқылы емес.

Осы баптың 6-тармағының сегізінші бөлігінде көзделген мерзім уәкілетті орган "Қаржы нарығы мен қаржы ұйымдарын мемлекеттiк реттеу, бақылау және қадағалау туралы" Қазақстан Республикасы Заңының 13-5-бабында көзделген тәртіппен және мерзімдерде шешім қабылдағанға дейін тоқтатыла тұрады.

10. Уәкілетті орган банктің басшы қызметкері лауазымына тағайындауға (сайлауға) келісім беруден қатарынан екі рет бас тартқан жағдайда:

1) осы адамды келісу жөніндегі құжаттар уәкілетті орган оны осы банкте тағайындауға (сайлауға) келісім беруден екінші рет бас тарту туралы шешім қабылдаған күннен бастап қатарынан он екі ай өткеннен кейін уәкілетті органға қайта ұсынылуы мүмкін;

2) банктің басқару органының мүшесі уәкілетті орган оны осы банкте сайлауға келісім беруден екінші рет бас тарту туралы шешім қабылдаған күннен бастап қатарынан он екі ай өткеннен кейін банктің басшы қызметкері болып сайлануы мүмкін.

11. Уәкілетті орган банктің басшы қызметкерін лауазымға тағайындауға (сайлауға) берілген келісімді:

1) келісім беруге негіз болған мәліметтердің анық еместігі анықталуы;

2) алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен;

3) уәкілетті органның осы Заңның 46-бабы 1-тармағының 12) тармақшасында көрсетілген қадағалап ден қою шарасын қолдануы;

4) алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен;

5) алынбаған немесе жойылмаған сотталғандығының болу;

6) осы бапта белгіленген талаптардың сақталмау негіздері бойынша кері қайтарып алады.

Банктің, банк холдингінің басшы қызметкерін тағайындауға (сайлауға) келісімді уәкілетті органның кері қайтарып алуы өзге қаржы ұйымдарында, банк, сақтандыру холдингтерінде, Қазақстан Республикасы бейрезидент-банктерінің филиалдарында, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымдарының филиалдарында, Қазақстан Республикасы бейрезидент-сақтандыру брокерлерінің филиалдарында осы басшы қызметкерге бұрын берілген келісімді (келісімдерді) кері қайтарып алуға негіз болып табылады.

Банк:

1) уәкілетті орган банктің басшы қызметкері лауазымына тағайындауға (сайлауға) келісімді кері қайтарып алған;

2) банк Қазақстан Республикасының заңнамасында белгіленген басшы қызметкер лауазымына кандидатты сайлаудың (тағайындаудың) тәртібін бұзған жағдайларда, банктің басшы қызметкерімен еңбек шартын бұзуға не еңбек шарты болмаған жағдайда, банктің басшы қызметкерінің өкілеттігін тоқтату жөнінде шаралар қабылдауға міндетті.

Уәкілетті орган банктің басшы қызметкері лауазымына тағайындауға (сайлауға) келісімін кері қайтарып алған банктің директорлар кеңесі мүшесінің өкілеттігі банк және (немесе) банк холдингі осы бас тартуды алған кезден бастап тоқтатылады.

12. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

13. Банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның басқару органының басшысы мен мүшелері, атқарушы органының басшысы мен мүшелері осы бапта белгіленген талаптарға сай болуға тиіс. Көрсетілген талаптарға сай келген жағдайда, басқару органының басшысы мен мүшелері, атқарушы органның басшысы мен мүшелері лауазымдарға уәкілетті органның келісімінсіз тағайындалады (сайланады). Басқару органының басшысы мен мүшесі, атқарушы органның басшысы мен мүшесі осы баптың талаптарына сай келмеген жағдайда, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым уәкілетті органның талабы бойынша оларды қызметтен шеттетеді.

Уәкілетті орган банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның басқару органының басшысына (мүшесіне), атқарушы органының басшысына (мүшесіне) осы Заңның 46-бабы 1-тармағының 12) тармақшасында көрсетілген қадағалап ден қою шараларын қолданған жағдайда, осы ұйым аталған адаммен еңбек шартын бұзуға не оның өкілеттігін тоқтату жөнінде шаралар қолдануға міндетті.

Банк операцияларының жекелеген түрлерін жүзеге асыратын, агроөнеркәсіптік кешен саласындағы ұлттық басқарушы холдингтің еншілес ұйымы болып табылатын ұйымның атқарушы органының басшылары үшін осы баптың 3-тармағының 2) тармақшасында белгіленген жұмыс өтіліне әлеуметтік-кәсіпкерлік корпорациялардағы жұмыс өтілі де қосылады.

Ұлттық пошта операторына қатысты осы тармақтың талаптары лауазымдық міндеттеріне банк операцияларының жекелеген түрлерін жүргізуге байланысты мәселелерге жетекшілік ету кіретін атқарушы орган мүшелеріне қолданылады.

14. Банк холдингінің басқару органының басшысы, оның орынбасары және басқару органының мүшелері, атқарушы органының басшысы, оның орынбасары және атқарушы органының мүшелері, бас бухгалтері, бас бухгалтерінің орынбасары, еншілес ұйымның (ұйымдардың) және (немесе) капиталына банк холдингі қомақты қатысатын ұйымның (ұйымдардың) қызметін үйлестіруді және (немесе) бақылауды жүзеге асыратын өзге де басшылары банк холдингінің басшы қызметкерлері деп танылады.

15. Осы баптың талаптары Қазақстан Республикасы бейрезидент банк холдингтерінің басшы қызметкерлерін қоспағанда, банк холдингтерінің басшы қызметкерлеріне мынадай талаптардың бірі орындалған кезде:

банк холдингінде тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ банк холдингі шыққан елдің қаржылық қадағалау органының оның шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің талап етілетін ең төмен рейтингі болған кезде қолданылады. Ең төмен рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік-құқықтық актісімен белгіленеді.

16. Осы баптың 3-тармағының 3), 4), 5) және 6) тармақшаларын қоспағанда, осы баптың талаптары банктің акцияларын тікелей иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылдайтын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі бар) Қазақстан Республикасының резиденті-банк холдингінің акцияларын немесе жарғылық капиталына қатысу үлестерін иелену (дауыс беру, шешімді айқындау және (немесе) қабылдайтын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігінің болуы) арқылы аталған банктің акцияларын жанама иеленетін (дауыс беру, шешімді айқындау және (немесе) қабылдайтын шешімдерге шарттың күшіне қарай немесе өзгеше түрде ықпал ету мүмкіндігі болатын) банк холдингтеріне қолданылмайды.

Ескерту. 20-бап жаңа редакцияда - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 12.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 01.07.2022 № 131-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 06.04.2024 № 71-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

21-бап. Қазақстан Республикасының резидент емес тұлғаларының қатысуымен банк құруға қойылатын қосымша талаптар

Банктің құрылтайшысы болып табылатын Қазақстан Республикасының резиденті емес-жеке немесе заңды тұлға осы Заңның 19-бабында аталған құжаттардан басқа, банк ашуға рұқсат беру туралы өтінішке тиісті мемлекеттің уәкілетті органының (Қазақстан Республикасының резиденті емес банктер үшін - банктік қадағалау органының) осы тұлғаға Қазақстан Республикасының резидент банкінің акцияларын иеленуге рұқсат берілетіні жөніндегі жазбаша хабарламасын не тиісті мемлекеттің уәкілетті органының (Қазақстан Республикасының резиденті емес банктер үшін - банктік қадағалау органының) аталған құрылтайшы мемлекетінің заңнамасы бойынша мұндай шешім талап етілмейтіні жөніндегі мәлімдемесін қоса тіркеуге міндетті.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру шеңберінде құрылған банктің құрылтайшысы болып табылатын Қазақстан Республикасының бейрезидент-жеке немесе заңды тұлғасы микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат беру туралы өтінішке қосымша тиісті мемлекеттің уәкілетті органының (Қазақстан Республикасының бейрезидент-банктері үшін – банктік қадағалау органының) осы тұлғаға Қазақстан Республикасы резидент-банкінің акцияларын иеленуге рұқсат берілетіні жөніндегі жазбаша хабарламасын не тиісті мемлекеттің уәкілетті органының (Қазақстан Республикасының бейрезидент-банктері үшін – банктік қадағалау органының) аталған құрылтайшы мемлекетінің заңнамасы бойынша мұндай рұқсаттың талап етілмейтіні жөніндегі мәлімдемесін қоса беруге міндетті.

Ескерту. 21-бап жаңа редакцияда – ҚР 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз); өзгеріс енгізілді – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

22-бап.

Ескерту. 22-бап алып тасталды – ҚР 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

23-бап. Банк ашуға рұқсат беру жөнiндегi өтiнiштi қарау тәртiбi

1. Банк ашуға рұқсат беру туралы өтiнiштi уәкiлеттi орган өтiнiш берілген күннен бастап алпыс бес жұмыс күні ішінде қарауға тиiс.

2. Банк ашуға рұқсат беру туралы хабарлама өтiнiш берушіге және Корпорацияға жiберiледi.

3. Уәкiлеттi орган банк ашуға берiлген рұқсаттың есебiн жүргiзiп отырады.

Ескерту. 23-бапқа өзгерістер енгізілді - ҚР 1997.07.11. № 154 Заңымен , 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен.; 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 26.06.2020 № 349-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

24-бап. Банк ашуға рұқсат беруден бас тарту

1. Банк ашуға рұқсат беруден бас тарту төмендегi кез келген негiздер бойынша жүргiзiледi:

а) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (02.01.2020 бастап қолданысқа енгізіледі);

б) осы Заңның 15-бабы 2-4-тармақтарының талаптарына банк атауының сәйкес келмеуi;

в) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (02.01.2020 бастап қолданысқа енгізіледі);

г) банк құрылтайшыларының қаржылық жағдайының тұрақсыздығы. Қаржылық жағдайдың тұрақсыздығы деп осы Заңның 17-1-бабының 10-тармағында белгіленген белгілердің болуы түсініледі;

г-1) құрылтайшы-жеке тұлғаның не құрылтайшы-заңды тұлғаның атқарушы органы не басқару органы бірінші басшысының:

жойылмаған немесе алынбаған сотталғандығының болуы;

уәкілетті орган немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті төлемге қабілетсіз банктер санатына жатқызу не оның акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын таратуға және (немесе) олардың қаржы нарығындағы қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағанға дейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгенге дейін бір жылдан аспайтын кезеңде қаржы ұйымының, оның ішінде Қазақстан Республикасы бейрезидент-қаржы ұйымының басқару органының бірінші басшысы, атқарушы органының бірінші басшысы немесе оның орынбасары, бас бухгалтері, бас бухгалтерінің орынбасары лауазымын атқаруы. Көрсетілген талап уәкілетті орган немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің қаржылық қадағалау органы банкті төлемге қабілетсіз банктер санатына жатқызу не оның акцияларын мәжбүрлеп сатып алу, қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын таратуға және (немесе) олардың қаржы нарығында қызметін жүзеге асыруын тоқтатуға алып келген, оларды лицензиядан айыру туралы шешім қабылдағаннан кейін не Қазақстан Республикасының заңнамасында немесе Қазақстан Республикасының бейрезидент-қаржы ұйымы резиденті болып табылатын мемлекеттің заңнамасында белгіленген тәртіппен қаржы ұйымын, оның ішінде Қазақстан Республикасының бейрезидент-қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы сот шешімі заңды күшіне енгеннен кейін бес жыл бойы қолданылады. Осы тармақшаның мақсаттары үшін қаржы ұйымы деп Қазақстан Республикасы бейрезидент-банкінің филиалы да, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымының филиалы да, Қазақстан Республикасы бейрезидент-сақтандыру брокерінің филиалы да түсініледі;

г-2) осы Заңның 17-1-бабы талаптарының сақталмауы;

д) осы Заңның 17-бабында белгiленген шектеулердiң сақталмауы;

д-1) уәкілетті органның банктің ірі қатысушысы, банк холдингі мәртебесін иемденуге келісім беруден бас тартуы;

д-2) банктің еншілес ұйымын құруға (иеленуге) рұқсат беруден бас тарту;

е) алып тасталды – ҚР 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен;
ж) алып тасталды – ҚР 2005.12.23 № 107 Заңымен;

з) құрылатын банкiнiң бизнес-жоспары және өтiнiш берушiнiң өзге де құжаттары:

алғашқы үш қаржы (операциялық) жылы өткеннен кейiн банк қызметiнiң рентабельдi болатынын;

банк тәуекелдi шектеуге қойылатын талаптарды сақтау және тиiстi басқару құрылымын құру ниетiнде екенiн;

банк өзiнiң қызмет жоспарына сәйкес ұйымдық құрылымға ие болғандығын;

банк өз қызметiнiң жоспарына сәйкес есеп және бақылау құрылымына ие болғандығын көрсетпесе.

2. Уәкiлеттi орган бас тарту негiздерi жөнiнде өтiнiш берушiнi жазбаша хабардар етуге мiндеттi.

3. Осы Заңның 18-21-баптарының шарттары сақталмаған ретте банк ашуға рұқсат беруге жол берiлмейдi.

Ескерту. 24-бапқа өзгеріс енгізілді - ҚР 1997.07.11. № 154 Заңымен, 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен, 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.01.12. № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

25-бап. Банктi мемлекеттiк тiркеу, микроқаржы ұйымын банк етіп қайта тіркеу

Ескерту. 25-баптың тақырыбына өзгеріс енгізілді – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.

Банктi мемлекеттiк тiркеудi Корпорация уәкiлеттi органның банк ашуға рұқсаты негiзiнде жүзеге асырады.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру шеңберінде микроқаржы ұйымын банк етіп мемлекеттік қайта тіркеуді Корпорация уәкілетті органның микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға берген рұқсаты және микроқаржы ұйымын банкке айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шаралардың іске асырылуы туралы өзі мақұлдаған есеп негізінде жүзеге асырады.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру нәтижесінде құрылған банк оның барлық құқықтары (талаптары) мен міндеттемелерінің құқықтық мирасқоры болып табылады.

Ескерту. 25-бап жаңа редакцияда - ҚР 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

26-бап. Банк операцияларын және өзге де операцияларды лицензиялау

Ескерту. 26-баптың тақырыбына өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

1. Банк операцияларын, сондай-ақ осы Заңда белгiленген өзге де операцияларды жүргiзуге арналған лицензияларды уәкiлеттi орган немесе Қазақстан Республикасының Ұлттық Банкі осы Заңның талаптарына сәйкес өз құзыреті шегінде және уәкілетті орган немесе Қазақстан Республикасының Ұлттық Банкi айқындайтын тәртiппен бередi.

Осы Заңның 52-5-бабында көзделген банк операцияларын және өзге де операцияларды жүргізуге арналған лицензияларды уәкілетті орган ислам банктеріне ғана береді.

Осы Заңның 52-5-бабы 1-тармағының 1), 2), 3), 4) 5) және 6) тармақшаларында көзделген банк операцияларын жүргізуге арналған лицензияларды уәкілетті орган Қазақстан Республикасы бейрезидент-ислам банктерінің филиалдарына ғана береді.

Қазақстан Республикасы бейрезидент-банкінің филиалына банк операцияларын және өзге де операцияларды жүргiзуге арналған лицензияларды уәкiлеттi орган Қазақстан Республикасының бейрезидент-банкінде Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы берген, мәні бойынша ұқсас банк операцияларын және өзге де операцияларды жүргізуге қолданыстағы лицензиясы болған кезде береді.

Уәкiлеттi орган лицензияны беру немесе қайта ресімдеу кезінде Қазақстан Республикасының заңнамасына сәйкес банктердің және (немесе) банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың жүзеге асыруына рұқсат берілген операциялардың атауларын нақтылауға құқылы.

Лицензияны беру үшiн алым алынады, оның мөлшерi мен төлеу тәртiбi Қазақстан Республикасының заңнамасында айқындалады.

2. Банк ашуға рұқсат берілген күннен бастап бір жыл ішінде өтініш беруші барлық ұйымдастырушылық-техникалық іс-шараларды орындауға, оның ішінде уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінің талаптарына сәйкес келетін үй-жайды, жабдықты және бухгалтерлік есепке алу мен бас бухгалтерлік кітапты жүргізуді автоматтандыру бойынша бағдарламалық қамтылымды дайындауға, тиісті персоналды жалдауға, банк қызметі мен өзге де қызметті жүзеге асыру қағидаларын бекітуге және уәкілетті органға банк операциялары мен өзге де операцияларды жүргізуге лицензия алу үшін жүгінуге тиіс.

Банк банктің атқарушы органы орналасқан елді мекенде автоматтандырылған банктік ақпараттық жүйеге орталықтандырылған қолжетімділік бар меншікті үй-жайының болуын қамтамасыз етуге міндетті, оған қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде көзделеді.

Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасының аумағында Қазақстан Республикасы бейрезидент-банкі филиалының деректерді өңдеу орталығы (сервері) бар меншікті үй-жайының болуын қамтамасыз етуге міндетті, оған қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде көзделеді.

2-1. Қазақстан Республикасы резидент-заңды тұлғаларының банк операцияларын және өзге де операцияларды жүргізуге лицензияны алғаш рет алуы үшін қажетті құжаттардың тізбесі:

1) өтініш;

2) өтініш беруші жарғысының (салыстырып тексеру үшін түпнұсқалары ұсынылмаған жағдайда нотариат куәландырған) көшірмесі;

3) "электрондық үкімет" төлем шлюзі арқылы ақы төлеу жағдайларын қоспағанда, жекелеген қызмет түрлерімен айналысу құқығына лицензиялық алымның бюджетке төленгенін растайтын құжат;

4) осы Заңның 20-бабының талаптарына сәйкес банктің басшы қызметкері лауазымдарына ұсынылатын адамдардың құжаттары;

5) банктің директорлар кеңесі бекіткен ішкі аудит қызметі, кредит комитеті туралы ережелер;

6) қызметкерлердің тегі, аты және әкесінің аты (егер ол жеке басын куәландыратын құжатта көрсетілсе) көрсетілген штат кестесі;

7) ең төмен мөлшері уәкілетті органның нормативтік құқықтық актісінде белгіленген жарғылық капиталдың төленгенін растайтын құжаттардың көшірмесі;

8) уәкілетті органның нормативтік құқықтық актілерінде белгіленген тәртіппен осы баптың 2-тармағы талаптарының орындалғанын растайтын құжаттар.

2-2. Қазақстан Республикасы бейрезидент-банкі филиалының банк операцияларын және өзге операцияларды жүргізуге лицензияны алғаш рет алуы үшін қажетті құжаттардың тізбесі:

1) уәкілетті органның нормативтік құқықтық актілерінде белгіленген тәртіппен осы баптың 2-тармағы талаптарының орындалғанын растайтын құжаттар;

2) осы баптың 2-1-тармағының 1), 3), 4) және 6) тармақшаларында көзделген құжаттар;

3) осы Заңның 42-бабы 6-тармағының екінші бөлігіне сәйкес резерв ретінде қабылданатын активтердің қалыптастырылғанын растайтын құжат;

4) Қазақстан Республикасы бейрезидент-банкінің директорлар кеңесі бекіткен ішкі аудит қызметі, кредит комитеті туралы ережелер.

2-3. Уәкілетті орган "Микроқаржылық қызмет туралы" Қазақстан Республикасының Заңына сәйкес микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыруға рұқсат берген күннен бастап бір жыл ішінде өтініш беруші осы баптың 2-тармағында көзделген барлық ұйымдастырушылық-техникалық іс-шараларды орындауға және уәкілетті органның рұқсатында көрсетілген айналдыру мерзімі аяқталғанға дейін күнтізбелік отыз күннен кешіктірмей уәкілетті органға банк операцияларын және өзге де операцияларды жүргізуге лицензия алу үшін жүгінуге тиіс.

3. Жұмыс істеп тұрған банк қосымша банк операцияларын және өзге де операцияларды жүргізуге арналған лицензияны алу үшін:

1) қосымша банк операцияларын жүргізуге арналған лицензияны алу үшін өтініш берген айдың алдындағы қатарынан үш ай ішінде пруденциялық нормативтердің орындалуын қамтамасыз етуге;

2) уәкілетті органның талаптарына сәйкес келетін тәуекелдерді басқару және ішкі бақылау жүйелерінің болуын қамтамасыз етуге;

3) банк операцияларының қосымша түрлерін жүргізудің жалпы шарттары туралы қағиданы ұсынуға тиіс.

4. Алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.

5. Уәкiлеттi орган немесе Қазақстан Республикасының Ұлттық Банкi банк операцияларын және өзге де операцияларды жүргiзуге арналған лицензияны беру туралы өтiнiштi Қазақстан Республикасы заңнамасының талаптарына сай келетін құжаттар ұсынылған күннен бастап отыз жұмыс күні iшiнде қарауға тиiс.

Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру шеңберінде берілген банк операцияларын және өзге де операцияларды жүргізуге лицензия беру туралы өтінішті уәкілетті орган Қазақстан Республикасы заңнамасының талаптарына сәйкес келетін құжаттар ұсынылған күннен бастап он жұмыс күні ішінде қарауға тиіс.

"Рұқсаттар және хабарламалар туралы" Қазақстан Республикасы Заңының 34-бабында көзделген жағдайларды қоспағанда, лицензияны қайта ресімдеу туралы өтінішті уәкілетті орган Қазақстан Республикасы заңнамасының талаптарына сәйкес келетін құжаттар ұсынылған күннен бастап он бес жұмыс күні ішінде қарауға тиіс.

6. Ұлттық және (немесе) шетелдiк валютамен банк операцияларын және өзге де операцияларды жүргізуге арналған лицензия шектеусiз мерзiмге берiледi.

7. Банк операцияларын және өзге де операцияларды жүргiзуге арналған лицензия үшiншi адамдарға берiлуге жатпайды.

8. Банк операцияларының және өзге де операциялардың барлық түрлерi оларды жүргiзу құқығы лицензияда тiкелей көрсетiлген кезде ғана жүзеге асырылуы мүмкiн.

9. Банк операцияларын және өзге де операцияларды жүргiзуге арналған лицензияны беру туралы шешiм қазақ және орыс тілдерінде уәкілетті органның немесе Қазақстан Республикасы Ұлттық Банкiнің интернет-ресурсында орналастырылады.

10. Банк операцияларын және өзге де операцияларды жүргiзуге арналған лицензияның тиiстi түрде куәландырылған көшiрмесi банк клиенттерiнің көруiне қолжетімді жерге орналастырылуға жатады.

Ескерту. 26-бап жаңа редакцияда - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); өзгерістер енгізілді – ҚР 02.07.2018 № 166-VІ (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

27-бап. Банк операцияларын немесе өзге де операцияларды жүргiзуге лицензия беруден бас тарту негiздерi

1. Банк операциясын немесе өзге де операцияны жүргізуге лицензия беруден бас тарту:

1) осы Заңның 26-бабының 2 және 3-тармақтарында, 52-17-бабының 5-тармағында белгіленген талаптардың кез келгені сақталмаған;

2) құрамына банк кіретін банк конгломераты белгіленген пруденциялық нормативтерді және сақталуы міндетті басқа да нормалар мен лимиттерді өтініш берілгенге дейін алты ай кезеңінде сақтамаған;

2-1) осы Заңның 42-бабы 6-тармағының екінші бөлігіне сәйкес Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданатын активтерін қалыптастыру жөніндегі талап орындалмаған;

2-2) Қазақстан Республикасының бейрезидент-банкінде Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы берген, мәні бойынша ұқсас банк операцияларын және өзге де операцияларды жүргізуге қолданыстағы лицензиясы болмаған;

3) банктің жарғылық капиталының мөлшері, құрамы және құрылымы осы Заңның 16-бабының талаптарына сәйкес келмеген;

4) ұсынылған құжаттар Қазақстан Республикасы заңнамасының талаптарына сәйкес келмеген;

5) банк операцияларының жекелеген түрлерін жүргізуге арналған лицензияны алуды қалайтын заңды тұлғаның басшы қызметкері осы Заңның 20-бабының талаптарына сәйкес келмеген, тағайындауға (сайлауға) ұсынылатын кандидаттардың арасынан басшы қызметкерге келісім берілмеген (жаңадан құрылатын банк, ашылатын Қазақстан Республикасы бейрезидент-банкінің филиалы үшін);

6) осы Заңның 20-бабының 1-1-тармағында көрсетілген, Қазақстан Республикасы бейрезидент-банкі филиалының басшы қызметкерлерінің ішінде кемінде екі Қазақстан Республикасының резидент-басшы қызметкердің болуы жөніндегі талап сақталмаған жағдайларда жүргізіледі.

2. Осы баптың 3-тармағында белгіленген жағдайды қоспағанда, лицензия беруден бас тартуды алған жағдайда, өтініш беруші сәйкессіздіктерді жояды және лицензия беруден бас тартуды жіберуге негіз болған түзетілген құжаттарды ұсына отырып, лицензия алуға өтінішпен қайта жүгінеді.

3. Осы баптың 1-тармағының 5) тармақшасында көзделген негіз бойынша лицензия беруден бас тартуды алған жағдайда, өтініш беруші сәйкессіздіктерді жояды және келісім беруден бас тартылған адамдардың орнына осы Заңның 20-бабының талаптарына сәйкес банктің басшы қызметкерлері лауазымдарына ұсынылатын адамдардың құжаттарын ұсына отырып, лицензия алуға өтінішпен қайта жүгінеді.

Ескерту. 27-бап жаңа редакцияда - ҚР 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); өзгеріс енгізілді – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

28-бап. Банкiнiң құрылтай құжаттарына енгiзiлетiн өзгерiстер мен толықтырулар

1. Алып тасталды - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.
2. Алып тасталды - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

2-1. Құрылтай құжаттарына енгізілетін, Корпорацияда қайта тiркелудi талап ететiн өзгерiстердi және (немесе) толықтыруларды мемлекеттiк тiркегеннен кейiн банк қайта тіркеу күнінен бастап күнтiзбелiк он төрт күн iшiнде уәкiлеттi органға Корпорацияның белгiсi мен мөрi соғылған құрылтай құжаттарына өзгерiстердiң және (немесе) толықтырулардың нотариат куәландырған көшiрмесiн ұсынуға мiндеттi.

Құрылтай құжаттарына қайта тіркелуді қажет етпейтін өзгерістер және (немесе) толықтырулар енгізілген жағдайда банк Корпорацияның банктің хатын қабылдап алғаны туралы белгісі соғылған күннен бастап күнтізбелік он төрт күн ішінде уәкілетті органға банктің осы хатының көшірмесін, сондай-ақ құрылтай құжаттарына өзгерістердің және (немесе) толықтырулардың нотариат куәландырған көшірмесін ұсынуға міндетті.

3. Банктi банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйым ретiнде ерiктi түрде қайта құру шарты, негiзi және тәртiбi уәкiлеттi органның нормативтiк құқықтық актiлерiмен белгiленедi.

Ескерту. 28-бапқа өзгеріс енгізілді - ҚР 1997.07.11 № 154, 1999.07.16. № 436 Заңымен , 2001.03.02. № 162 Заңымен , 2003.07.10 № 483 (2004.01.01 бастап қолданысқа енгізіледі) Заңымен , 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі) Заңдарымен.

29-бап. Банктің филиалдары мен өкілдіктерін құру, жабу

1. Қазақстан Республикасының резидент-банкі банктің директорлар кеңесінің шешімі негізінде уәкілетті органның келісімінсіз Қазақстан Республикасының аумағында да, сонымен қатар одан тысқары жерлерде де өзінің оқшауланған бөлімшелерін - өз филиалдары мен өкілдіктерін ашуға құқылы.

2. Банк өзінің филиалы мен өкілдігі Корпорацияда есептік тіркелген күннен бастап отыз жұмыс күні ішінде олардың ашылғаны туралы уәкілетті органға:

1) алып тасталды - ҚР 16.05.2014 № 203-V Заңымен (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі);

2) Корпорацияның белгісі мен мөрі соғылған филиал немесе өкілдік туралы ереженің нотариат куәландырған көшірмесін;

3) алып тасталды - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

4) филиалдың немесе өкілдіктің бірінші басшысына берілген сенімхаттың нотариат куәландырған көшірмесін қоса тіркей отырып, жазбаша хабарлауға міндетті.

3. Қазақстан Республикасы аумағында банктің филиалын немесе өкілдігін құруға, жабуға жергілікті өкілді және атқарушы органдардың келісімі талап етілмейді.

4. Банктің филиалы - заңды тұлға болып табылмайтын, банк орналасқан жерден тысқары орналасқан, банк атынан банк қызметін жүзеге асыратын және өзіне банк берген өкілеттік шегінде әрекет ететін банктің оқшауланған бөлімшесі. Банк филиалының банкпен бірыңғай балансы, сондай-ақ банк атауымен толық сәйкес келетін атауы болады.

Банк филиалы бір облыс шегінде бірнеше мекен-жай бойынша орналасқан үй-жайларға ие болуға құқылы.

Банк филиалы астанада және (немесе) республикалық маңызы бар қалада орналаса отырып, бірнеше мекенжай бойынша:

астанада және (немесе) республикалық маңызы бар қалада;

астанаға (республикалық маңызы бар қалаға) іргелес жатқан облыс шегінде орналасқан үй-жайларға ие болуға құқылы.

5. Банктің өкілдігі - заңды тұлға болып табылмайтын, банк орналасқан жерден тысқары орналасқан, банктің атынан және оның тапсыруы бойынша әрекет ететін, банк қызметін жүзеге асырмайтын банктің оқшауланған бөлімшесі.

6. Филиалды Корпорацияда есептік тіркеген күннің немесе жұмыс істеп тұрған банк филиалының қосымша, оның ішінде бірнеше мекенжайдағы үй-жайларының санын ұлғайту туралы банк шешім қабылдаған күннің алдындағы үш ай ішінде уәкілетті органның немесе соттың банкке осы Заңның 47-2-бабының 1-тармағында көзделген санкцияны, сондай-ақ Қазақстан Республикасы Әкімшілік құқық бұзушылық туралы кодексінің 213-бабының алтыншы, жетінші, сегізінші және тоғызыншы бөліктерінде, 227-бабының бірінші бөлігінде көзделген әкімшілік құқық бұзушылықтар үшін әкімшілік жазаларды қолданбауы банктің филиалдар ашуының, филиалдардың қосымша, оның ішінде бірнеше мекенжайдағы үй-жайларының санын ұлғайтудың міндетті шарты болып табылады.

Қазақстан Республикасы бейрезидент-банкі филиалының қосымша үй-жайларының саны ұлғайған жағдайда, осы тармақтың бірінші бөлігінде көзделген міндетті шартты орындау туралы талап Қазақстан Республикасы бейрезидент-банкінің филиалына қолданылады.

7. Қазақстан Республикасының резидент банкі соңғы аяқталған қаржы жылының қорытындысы бойынша банктің қызметі залал шекпеген жағдайда өкілдігін ашуға құқылы.

8. Филиал, өкілдік туралы ережелерге Корпорацияда есептік қайта тіркелуді талап ететін өзгерістер және (немесе) толықтырулар енгізілген кезде Қазақстан Республикасының резидент-банкі Корпорацияда есептік қайта тіркелген күннен бастап отыз жұмыс күні ішінде уәкілетті органға филиал, өкілдік туралы ережелерге өзгерістердің және (немесе) толықтырулардың нотариат куәландырған көшірмесін ұсынуға міндетті.

Филиал, өкілдік туралы ережелерге Корпорацияда есептік қайта тіркелуді талап етпейтін өзгерістер және (немесе) толықтырулар енгізілген кезде Қазақстан Республикасының резидент-банкі Корпорацияның банктің хатын қабылдап алғаны туралы белгісі соғылған күннен бастап отыз жұмыс күні ішінде уәкілетті органға банктің көрсетілген хатының көшірмесін, филиал, өкілдік туралы ережелерге өзгерістердің және (немесе) толықтырулардың нотариат куәландырған көшірмелерін ұсынуға міндетті.

Банк филиалының қосымша үй-жайларының саны ұлғайған, банк филиалы үй-жайларының саны азайған немесе банк филиалы үй-жайларының орналасқан жері өзгерген жағдайда, банк филиалының қосымша үй-жайларының санын ұлғайту, банк филиалы үй-жайларының санын азайту немесе банк филиалы үй-жайларының орналасқан жерін өзгерту туралы банк шешім қабылдаған күннен бастап отыз жұмыс күні ішінде банк уәкілетті органға осындай шешімнен банк филиалының көрсетілген үй-жайларының мекенжайлары қамтылған үзінді-көшірмені ұсынуға міндетті.

Қазақстан Республикасы бейрезидент-банкі филиалының қосымша үй-жайларының саны ұлғайған, оның үй-жайларының саны азайған немесе орналасқан жері өзгерген жағдайда, Қазақстан Республикасы бейрезидент-банкі филиалының қосымша үй-жайларының санын ұлғайту, Қазақстан Республикасы бейрезидент-банкі филиалы үй-жайларының санын азайту немесе олардың орналасқан жерін өзгерту туралы Қазақстан Республикасы бейрезидент-банкінің филиалы шешім қабылдаған күннен бастап отыз жұмыс күні ішінде Қазақстан Республикасы бейрезидент-банкінің филиалы уәкілетті органға филиалдың осындай шешімінен Қазақстан Республикасы бейрезидент-банкі филиалының көрсетілген үй-жайларының мекенжайлары қамтылған үзінді-көшірмені ұсынуға міндетті.

8-1. Банк - Қазақстан Республикасының резиденті Қазақстан Республикасының шегінен тыс жерлерде уәкілетті орган мен шет мемлекеттің тиісті қадағалау органының ақпарат алмасу туралы келісімі болған жағдайда ғана филиал ашуға құқылы.

9. Қазақстан Республикасының резидент банкі Қазақстан Республикасынан тысқары жерлерде филиалдары мен өкілдіктерін ашқан жағдайда, мемлекеттің тиісті органында тіркелген күннен бастап күнтізбелік отыз күн ішінде мемлекеттің тиісті органында тіркелгендігін растайтын құжаттарды қоса бере отырып, олардың ашылғаны туралы уәкілетті органға жазбаша хабарлауға міндетті.

10. Қазақстан Республикасының резидент емес банкі өз өкілдігін уәкілетті органның келісімін алмастан ашуға құқылы.

11. Қазақстан Республикасының бейрезидент-банкінің өкілдігі Корпорацияда есептік тіркелген күннен бастап отыз жұмыс күні ішінде уәкілетті органға ашылғаны туралы:

1) алып тасталды - ҚР 16.05.2014 № 203-V Заңымен (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі);

2) Корпорацияның белгісі мен мөрі соғылған өкілдік туралы ереженің нотариат куәландырған көшірмесін;

3) тиісті мемлекеттің банктік қадағалау органының Қазақстан Республикасының резиденті емес-банктің банк қызметін жүргізуге қолданыстағы лицензиясының бар екені туралы жазбаша растамасын;

4) тиісті мемлекеттің банктік қадағалау органының Қазақстан Республикасының аумағында Қазақстан Республикасының резиденті емес-банк өкілдігінің ашылуына қарсы емес екені туралы жазбаша хабарламасын не банктік қадағалау органының немесе тиісті мемлекеттің беделді заң қызметінің Қазақстан Республикасының резиденті емес-банк мемлекетінің заңнамасы бойынша мұндай рұқсаттың талап етілмейтіні туралы өтінішін;

5) банк өкілдігі басшысының атына берілген нотариат куәландырған сенімхатты қоса бере отырып, жазбаша хабарлауға міндетті.

12. Қазақстан Республикасында бейрезидент-банктердің филиалдарын ашуға осы Заңда көзделген шарттарда рұқсат етіледі.

13. Қазақстан Республикасы бейрезидент-банкінің өкілдігі Корпорацияда есептік қайта тіркелген күннен бастап отыз жұмыс күні ішінде уәкілетті органды өкілдік туралы ережеге өзгерістер және (немесе) толықтырулар енгізу туралы осы құжаттардың көшірмелерін қоса бере отырып хабардар етуге міндетті.

Өкілдік туралы ережеге есептік қайта тіркеуге алып келмейтін өзгерістер және (немесе) толықтырулар енгізілген жағдайда, Қазақстан Республикасы бейрезидент-банкінің өкілдігі Корпорация өтінішті (электрондық хабарламаны) және енгізілген өзгерістер және (немесе) толықтырулар туралы құжаттарды қабылдаған күннен бастап отыз жұмыс күні ішінде уәкілетті органға олардың қабылданғанын растайтын құжатты және өкілдік туралы ережеге өзгерістердің және (немесе) толықтырулардың нотариат куәландырған көшірмелерін ұсынуға міндетті.

14. Банк өзінің филиалы және (немесе) өкілдігі Корпорацияда (Қазақстан Республикасының шегінен тыс жерде филиалдың немесе өкілдіктің қызметі тоқтатылған кезде – мемлекеттің тиісті тіркеуші органында) есептік тіркеуден шығарылған күннен бастап отыз жұмыс күні ішінде уәкілетті органды банк филиалының және (немесе) өкілдігінің есептік тіркеуден шығарылғанын растайтын Корпорация құжатының нотариат куәландырған көшірмесін қоса бере отырып, олардың қызметінің тоқтатылғаны туралы жазбаша хабардар етуге тиіс.

15. Осы баптың 6, 7, 8-1, 11 және 13-тармақтарының талаптары орындалмаған жағдайда, уәкілетті орган Қазақстан Республикасы резидент-банкінің филиалын не филиалының қосымша үй-жайын немесе өкілдігін және бейрезидент-банкі филиалының қосымша үй-жайын не өкілдігін жабуды талап етеді.

Уәкілетті орган осы баптың 2, 8, 9 және 14-тармақтарының талаптары орындалмаған жағдайда, банкке қадағалап ден қою шараларын қолданады.

16. Осы баптың 6 және 7-тармақтарының талаптары осы Заңның 61-4 және 61-11-баптарында көзделген операцияны жүргізу нәтижесінде, сондай-ақ банкке басқа банкті біріктіру нысанында оны қайта ұйымдастырған кезде банктің филиалдарды және (немесе) өкілдіктерді ашуына және (немесе) жұмыс істеп тұрған, оның ішінде бірнеше мекенжайда орналасқан филиалдардың қосымша үй-жайларының санын ұлғайтуға байланысты оған қолданылмайды.

Ескерту. 29-бап жаңа редакцияда, өзгерістер енгізілді - ҚР 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.02.19. № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.12.24 № 60-V (алғашқы ресми жарияланғанынан кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi); 16.05.2014 № 203-V (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) 05.07.2014 № 236-V (01.01.2015 бастап қолданысқа енгізіледі); 27.04.2015 № 311-V (01.09.2014 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 03.07.2020 № 359-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

3-тарау.

Ескерту. 3-тараудың тақырыбы алынып тасталды - ҚР 2005.07.08 № 72 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

30-бап. Банк қызметі

1. Банктердің осы бапта белгіленген банк және өзге де операцияларды жүзеге асыруы банк қызметі болып табылады.

2. Банк операцияларына:

1) депозиттерді қабылдау, заңды тұлғалардың банктік шоттарын ашу және жүргізу;

2) депозиттерді қабылдау, жеке тұлғалардың банктік шоттарын ашу және жүргізу;

3) банктер мен банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың корреспонденттік шоттарын ашу және жүргізу;

4) банктердің жеке және заңды тұлғалардың металл шоттарын ашуы және жүргізуі жатады, оларда осы тұлғаға тиесілі тазартылған бағалы металдардың және бағалы металдардан жасалған монеталардың нақты саны көрсетіледі;

5) кассалық операциялар: банктердің және Ұлттық почта операторының қолма-қол ақшаны ұсақтауды, айырбастауды, қайта санауды, сұрыптауды, орауды және сақтауды қоса алғанда, оны қабылдауы және беруі;

6) аударым операциялары: жеке және заңды тұлғалардың ақша төлемі мен аударымы бойынша тапсырмаларын орындау. Аударым операциясын жүзеге асыруға лицензия банктерге және осы баптың 6-1-тармағында аталған заңды тұлғаларға беріледі;

7) есепке алу операциялары: жеке және заңды тұлғалардың вексельдері мен өзге де борышкерлік міндеттемелерін есепке алу (дисконт);

8) банктік қарыз операциялары: банктің, ипотекалық ұйымның, банк болып табылмайтын, бағалы қағаздар нарығында брокерлік және (немесе) дилерлік қызметті жүзеге асыратын ұйымның немесе агроөнеркәсіптік кешен субъектілеріне кредит беруді жүзеге асыратын, дауыс беретін акцияларының жүз пайызы тікелей немесе жанама түрде ұлттық басқарушы холдингке тиесілі ұйымдардың ақылылық, мерзімділік және қайтарымдылық шарттарымен ақшалай нысанда кредиттер беруі;

9) қолма-қол шетел валютасымен айырбастау операцияларын қоса алғанда, шетел валютасымен айырбастау операциялары;

10) алып тасталды

11) алып тасталды

12) банкноттарды, монеталар мен құндылықтарды инкассациялау;

13) төлем құжаттарын (вексельдерді қоспағанда) инкассоға қабылдау;

14) аккредитив ашу (ұсыну) мен оны растау және ол бойынша міндеттемелерді орындау;

15) банктердің ақшалай нысанда орындау көзделетін банк кепілдіктерін беруі;

16) банктердің үшінші тұлғалар үшін ақшалай нысанда орындау көзделетін банк кепілдемелерін және өзге де міндеттемелерді беруі жатады.

2-1. Қазақстан Республикасы бейрезидент-банкі филиалының осы баптың 2-тармағының 1), 2), 3), 4), 5), 6), 7), 8), 12), 13), 14), 15) және 16) тармақшаларында, 11-тармағының 1), 2), 3), 4), 6), 7), 8) және 9) тармақшаларында көрсетілген банк операцияларын және өзге де операцияларды жүзеге асыруы Қазақстан Республикасы бейрезидент-банкі филиалының банк қызметі болып табылады.

Қазақстан Республикасы бейрезидент-банкінің филиалы уәкілетті органның лицензиясы болған кезде Қазақстан Республикасының аумағында осы баптың 12-тармағының 1) және 2) тармақшаларында көрсетілген бағалы қағаздар нарығындағы кәсіби қызмет түрлерін жүзеге асыруға құқылы.

3. Қазақстан Республикасының микроқаржылық қызмет туралы заңнамасына сәйкес микроқаржылық қызметті жүзеге асыратын ұйымдардың микрокредиттер беруі жөніндегі қызмет банк операцияларына жатпайды.

4. Алып тасталды - ҚР 03.07.2019 № 262-VI Заңымен (01.01.2020 бастап қолданысқа енгізіледі).

5. Банктерге осы бапта көзделген банктік және өзге де операцияларды жүргізуге лицензияны уәкілетті орган береді.

Осы баптың 2-тармағының 1), 3), 5), 9) және 12) тармақшаларында көзделген банк операцияларын Ұлттық пошта операторы уәкілетті органның лицензиясынсыз жүзеге асырады.

6. Осы баптың 2-тармағында көзделген банк операцияларының бір немесе бірнеше түрлерін жүргізуді банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым мынадай:

1) осындай ұйымның қызметін реттейтін Қазақстан Республикасының заңында көрсетілген операцияларды лицензиясыз жүзеге асыру мүмкіндігі көзделген;

2) осы баптың 2-тармағының 8) тармақшасында көзделген банк операцияларын бас банктің күмәнді және үмітсіз активтерін сатып алатын банктердің еншілес ұйымдары, сондай-ақ екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданған ұйым лицензиясыз жүзеге асыра алатын жағдайларды қоспағанда, уәкілетті органның немесе Қазақстан Республикасы Ұлттық Банкiнің лицензиясы болғанда жүзеге асырады.

Банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға осы баптың 2-тармағында көзделген банк операцияларын жүргізуге лицензияны, осы баптың 7-тармағында көзделген жағдайларды қоспағанда, уәкілетті орган немесе Қазақстан Республикасының Ұлттық Банкi береді.

Осы баптың 2-тармағының 9) тармақшасында көзделген банк операциясына арналған лицензия банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға:

қолма-қол шетел валютасымен айырбастау операциялары
бөлігінде – қызметін тек қана айырбастау пункттері арқылы жүзеге асыратын заңды тұлғаларға;

қолма-қол емес шетел валютасымен айырбастау операциялары бөлігінде – өзге ұйымдарға беріледі.

6-1. Осы баптың 2-тармағының 6) тармақшасында көзделген банк операциясын қор биржасы, орталық контрагенттің функцияларын жүзеге асыратын клирингтік ұйым, орталық депозитарий аталған заңды тұлғаларда осы баптың 2-тармағының 1) және (немесе) 3) тармақшаларында көзделген банк операцияларын жүргізуге уәкілетті органның лицензиясы болған кезде, сондай-ақ банкаралық ақша аударымдары жүйесінің операциялық орталығы жүзеге асырады.

Өзге заңды тұлғалар осы баптың 2-тармағының 1) және 6) тармақшаларында көзделген банк операцияларын Қазақстан Республикасының заңдарында белгіленген өкілеттіктер шегінде жүргізеді.

Банктер болып табылмайтын, бағалы қағаздар нарығында брокерлік және (немесе) дилерлік қызметті жүзеге асыратын ұйымдар Қазақстан Республикасының бағалы қағаздар нарығы туралы заңнамасында айқындалған тәртіппен уәкілетті органның тиісті лицензиялары негізінде банк операцияларының жекелеген түрлерін жүзеге асыруға құқылы.

7. Мемлекеттік органдар, Ұлттық пошта операторы, сондай-ақ Қазақстан Даму Банкі өздерінің қызметін реттейтін Қазақстан Республикасының заңдарына сәйкес осы баптың 2-тармағының 6) тармақшасында көзделген банк операциясын уәкілетті органның лицензиясынсыз жүзеге асырады.

Осы баптың 2-тармағының 6) тармақшасында көзделген банк операциясын "Астана" халықаралық қаржы орталығының қор биржасында жасалған қаржы құралдарымен жасалатын мәмілелер бойынша есеп айырысуларды жүзеге асыру үшін "Астана" халықаралық қаржы орталығының аумағында бағалы қағаздармен жасалатын мәмілелерді тіркеуді жүзеге асыратын ұйым уәкілетті органның лицензиясынсыз жүзеге асырады.

7-1. Айрықша қызметі Қазақстан Республикасы Ұлттық Банкiнің лицензиясы негізінде банкноттарды, монеталарды және құндылықтарды инкассациялау болып табылатын заңды тұлғаларға банкноттарды, монеталарды және құндылықтарды қайта санау, сұрыптау, орау, сақтау, сондай-ақ оларды банктерге және банктердің тапсырмасы бойынша олардың клиенттеріне беру жөніндегі қызметті қоспағанда, қызметтің өзге түрлерімен (операциялармен) айналысуына тыйым салынады.

8. Банк операцияларын, сондай-ақ банктердің осы бапта көзделген жүзеге асыратын өзге де операцияларын лицензиялау тәртібі уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

9. Осы бапта көзделген банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар жүзеге асыратын банк операцияларын лицензиялау тәртібі өздерінің құзыреті шегінде уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленеді.

10. Уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде банктерге және жекелеген қызмет түрлеріне лицензиялар алуына байланысты банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға қосымша талаптар белгіленуі мүмкін.

11. Банктер, осы баптың 2-тармағында көзделген банк операцияларымен қатар, уәкілетті органның лицензиясы болған жағдайда мына операцияларды жүзеге асыруға құқылы:

1) тазартылған қымбат бағалы металдарды (алтын, күміс, платина, платина тобына жататын металдар) құйма күйінде, тазартылған қымбат бағалы металдардан жасалған монеталарды сатып алу, кепілге қабылдау, есепке алу, сақтау және сату;

2) құрамында бағалы металдар мен асыл тастар бар зергерлік бұйымдарды сатып алу, кепілге қабылдау, есепке алу, сақтау және сату;

3) вексельдермен жасалатын операциялар: вексельдерді инкассоға қабылдау, төлемшілердің вексельдерді төлеуі жөнінде қызметтер көрсету, сондай-ақ делдалдық тәртібімен домицилденген вексельдерді, вексельдер акцептін төлеу;

4) лизинг қызметін жүзеге асыру;

5) өзінің бағалы қағаздарын (акцияларды қоспағанда) шығару;

6) факторингтік операциялар: тауарларды (жұмыстарды, қызметтерді) сатып алушыдан төлемсіз тәуекел етіп қабылдай отырып, төлем жүргізуді талап ету құқығын алу;

7) форфейтингтік операциялар (форфетингтеу): тауарларды (жұмыстарды, қызметтерді) сатып алушының қарыз міндеттемесін сатушыға айналым түспейтін жолмен вексель сатып алу арқылы төлеу;

8) сенімгерлік операциялар: сенімгердің мүддесіне және тапсырмасы бойынша ақшаларды, банктік қарыздар және тазартылған қымбат бағалы металдар бойынша талап ету құқықтарын басқару;

9) сейфтік операциялар: сейфтік жәшіктерді, шкафтарды және үй-жайларды жалға беруді қоса алғанда, құжаттандырылған нысанда шығарылған бағалы қағаздарды, клиенттердің құжаттары мен құндылықтарын сақтау жөніндегі көрсетілетін қызметтер.

12. Банктер бағалы қағаздар нарығында мынадай кәсіби қызмет түрлерін жүзеге асыруға құқылы:

1) Қазақстан Республикасының және рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингін алған елдердің мемлекеттік бағалы қағаздарымен не онсыз уәкілетті органның шешімі бойынша мемлекеттік бағалы қағаздармен, базалық активтерінің тізбесі мен оны сатып алу тәртібін уәкілетті орган белгілейтін туынды бағалы қағаздармен және туынды қаржы құралдарымен - брокерлік;

2) Қазақстан Республикасының және рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингін алған елдердің бағалы қағаздарымен не онсыз уәкілетті органның шешімі бойынша мемлекеттік бағалы қағаздармен, сондай-ақ базалық активтерінің тізбесі мен оны сатып алу тәртібін уәкілетті орган белгілейтін туынды бағалы қағаздармен және туынды қаржы құралдарымен, осы Заңның 8-бабында белгіленген жағдайларда өзге де бағалы қағаздармен - дилерлік;

3) кастодиандық;

4) трансфер-агенттік.

Банктердің бағалы қағаздар нарығында кәсіби қызметтің жоғарыда аталған бір немесе бірнеше үйлесімді түрлерін жүзеге асыруына лицензияны уәкілетті орган береді.

Осы тармақтың 1) және 2) тармақшаларында көзделген рейтингтік агенттіктердің тізбесін және ең төменгі талап етілетін рейтингін уәкілетті орган айқындайды.

Уәкілетті органның нормативтік құқықтық актісінде белгіленген өлшемшарттарға сәйкес келетін банк осы тармақтың бірінші бөлігі 1) тармақшасының ережелерін есепке алмай Қазақстан Республикасының бағалы қағаздар рыногы туралы заңнамасына сәйкес брокерлік қызметті лицензия негізінде жүзеге асырады.

12-1. Банктер мен банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар бейрезиденттердің жеке басын куәландыратын құжаттардың көшірмелерін осы Заңда көзделген мақсаттар үшін жинауға құқылы.

13. Осы баптың 2-тармағының 2) тармақшасында көзделген банк операцияларын тек депозиттерге міндетті кепілдік беру жүйесінің қатысушылары болып табылатын банктер, сондай-ақ оның қызметін реттейтін Қазақстан Республикасының заңнамалық актілеріне сәйкес уәкілетті орган берген лицензиясы негізінде Ұлттық почта операторы жүргізуге құқылы.

Осы тармақтың бірінші бөлігінде көзделген шарттан басқа, жеке тұлғадан бір жүз жиырма мың АҚШ доллары баламасына тең сомадан төмен болмайтын салымды қабылдау Қазақстан Республикасының бейрезидент-банктері филиалдарының осы баптың 2-тармағының 2) тармақшасында көзделген банк операцияларын жүргізу шарты болып табылады.

Осы баптың 2-тармағының 2) тармақшасында көзделген банк операцияларын орталық депозитарий, банктер болып табылмайтын, бағалы қағаздар нарығында брокерлік және (немесе) дилерлік қызметті жүзеге асыратын ұйымдар Қазақстан Республикасының бағалы қағаздар нарығы туралы заңнамасында айқындалған ерекшеліктерді ескере отырып жүзеге асыра алады.

14. Осы баптың ережелері ислам банктерінің қызметіне осы Заңның 52-1-бабында көрсетілген ислам банктері қызметіне қойылатын талаптарға қайшы келмейтін бөлігінде қолданылады.

Ескерту. 30-бап жаңа редакцияда - ҚР 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен, өзгерістер енгізілді - ҚР 2006.07.07 № 178, 2007.01.12 № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.12.10 № 101-IV (2009.01.01 бастап қолданысқа енгізіледі), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.03.01 № 414-IV (2010.01.01 бастап қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.11.26 № 57-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.05.2014 № 203-V (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (01.01.2015 бастап қолданысқа енгізіледі); 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 29.03.2016 № 479-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); 09.04.2016 № 499-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 26.07.2016 № 12-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік отыз күн өткен соң қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 166-VІ (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 27.12.2021 № 87-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 11.12.2023 № 44-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

31-бап. Банкiлер жүргiзетiн операцияларға қойылатын жалпы талаптар

1. Банкiлер банк қызметiн операцияларды жүргiзудiң жалпы шарттарын белгiлейтiн ережелер мен iшкi ережелер болған жағдайда ғана жүзеге асыруға құқылы.

1-1. Алып тасталды - ҚР 29.03.2016 № 479-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі).

2. Операцияларды жүргiзудiң жалпы шарттары туралы қағидаларды банктің директорлар кеңесi бекiтуге және онда мынадай мәлiметтер мен рәсiмдер:

1) қабылданатын депозиттер мен берiлетiн кредиттердің шектi сомалары мен мерзiмдерi;

2) депозиттер мен кредиттер бойынша сыйақы мөлшерлемесінің шектi шамасы;

3) депозиттер мен кредиттер бойынша сыйақы төлеу шарттары;

4) банк қабылдайтын қамтамасыз етуге қойылатын талаптар;

5) банк операцияларын жүргiзуге арналған мөлшерлемелер мен тарифтердің шекті шамасы;

6) банктік қызметтерді көрсету туралы шешім қабылдаудың шекті мерзімдері;

7) банктік қызметтерді көрсету үдерісінде туындайтын клиенттердің өтініштерін қарау тәртібі;

8) банк пен оның клиентiнiң құқықтары мен мiндеттерi, олардың жауапкершiлiгi;

9) ислам банкiнiң және оның клиентiнiң құқықтары мен мiндеттерi, ислам банкiнiң банк операцияларын жүргiзу шарттары және соған байланысты тәуекелдер;

10) клиенттермен жұмыс тәртібі туралы ереже;

11) банктің директорлар кеңесi операцияларды жүргiзудiң жалпы шарттарына енгiзу қажет деп есептейтiн өзге де шарттар, талаптар және шектеулер болуға тиiс.

Операцияларды жүргізудің жалпы шарттары туралы қағидалар банктік қызметтерді көрсету және банктердің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың уәкілетті органның нормативтік құқықтық актісінде айқындалатын банктік қызметтерді көрсету үдерісінде туындайтын клиенттердің өтініштерін қарау тәртібіне сәйкес келуге тиіс.

2-1. Ислам банкінің операцияларын жүргізудің жалпы талаптары туралы ережелерді ислам банкінің директорлар кеңесі осы Заңның 52-2-бабының 3-тармағында көзделген талапты ескере отырып бекітеді.

3. Банкiнiң iшкi ережелерi:

а) банк бөлiмшелерiнiң құрылымын, мiндеттерiн, қызметi мен өкiлеттiгiн;

б) iшкi аудит қызметiнiң, несие комитетi мен басқа да тұрақты жұмыс iстейтiн органдар қызметiнiң құрылымын, мiндеттерiн, қызметi мен өкiлеттiгiн;

в) құрылымдық бөлiмшелер басшыларының құқықтары мен мiндеттерiн;

г) банкiнiң атынан және оның есебiнен мәмiле жасаған кездегi лауазымды адамдар мен банк қызметкерлерiнiң өкiлеттiгiн белгiлеуге тиiс.

4. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

5. Банк клиенттерді тарту жөніндегі, банк талаптарына сәйкес келуін тексеруді жүзеге асыру, клиенттердің құжаттарын банкке беру жөніндегі шарттың (келісімнің) негізінде банкке қызметтер көрсететін тұлғаның (бұдан әрі – банкке қызмет көрсететін тұлға) құқыққа сыйымсыз әрекеттері (әрекетсіздігі) үшін банктің аталған тұлғамен жасалған тиісті шартының (келісімінің) талаптары бойынша жауапкершілікте болады.

Банк пен банкке қызметтер көрсететін тұлға арасындағы шарт (келісім) клиентке қарап шығуы үшін ұсынылуға жатады және онда банкке осы тармақтың бірінші бөлігінде аталған қызметтерді көрсететін тұлғаның құқыққа сыйымсыз әрекеттері үшін банктің клиент алдындағы жауапкершілігі міндетті түрде қамтылуға тиіс.

Банк және банкке қызметтер көрсететін тұлға арасында жасалған шарт (келісім) негізінде банкке қызметтер көрсететін тұлға қызметінің тәртібі уәкілетті орган бекітетін банкке клиенттерді тарту, банк талаптарына сәйкес келуін тексеруді жүзеге асыру, клиенттердің құжаттарын банкке беру жөніндегі қызметтерді көрсету қағидаларында белгіленеді.

Ескерту. 31-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154 , 1999.07.16 № 436 , 2003.05.16 № 416 , 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.05.2014 № 203-V (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 29.03.2016 № 479-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі) 09.04.2016 № 499-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

31-1-бап. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қаржы өнімдерін бекітуі туралы хабардар етуі

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым уәкілетті органды банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қаржы өнімдерін бекітуге уәкілетті органының қаржы өнімдерін бекітуі туралы олар бекітілген күннен бастап он жұмыс күні ішінде хабардар етеді.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым олардың бекітілгендігі туралы уәкілетті органды хабардар ететін қаржы өнімдерінің тізбесі, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қаржы өнімдерін бекітуі туралы уәкілетті органды хабардар ету тәртібі, сондай-ақ хабарламаға қоса берілетін құжаттардың тізбесі уәкілетті органның нормативтік құқықтық актілерінде айқындалады.

Ескерту. 3-тарау 31-1-баппен толықтырылды - ҚР 16.05.2014 № 203-V Заңымен (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); жаңа редакцияда - ҚР 29.03.2016 № 479-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі).

32-бап. Банкiнiң банк операцияларын жүргiзудiң жалпы шарттарын ашу жөнiндегi мiндетi

1. Банк операцияларын жүргiзудiң жалпы шарттары ашық ақпарат болып табылады және ол коммерциялық немесе банк құпиясының мәнi бола алмайды. Бұл қалып осы Заңға сәйкес банк құпиясына не қолданылып жүрген заңдарға сәйкес коммерциялық құпия санатына жатқызылған нақты банк операциясын жүргiзу шарттарына қолданылмайды.

2. Банкiлер клиенттiң бiрiншi талап етуi бойынша банк операцияларын жүргiзудiң жалпы шарттар туралы ережесiн беруге мiндеттi.

3. Банкiлердiң клиентке банк операциясын жүргiзуге байланысты ықтимал тәуекелдер туралы ақпарат беруден бас тартуға құқығы жоқ.

4. Алып тасталды – ҚР 19.02.2007 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

5. Ислам банктері клиенттерге осы Заңның 52-5-бабында көрсетілген банк операциялары ерекшеліктерін және солармен байланысты тәуекелдерді түсіндіруге міндетті.

6. Банк операцияларын немесе өзге де операцияларды жүргізуге арналған лицензияны алғаннан кейін банк он жұмыс күні ішінде клиенттерге микрокредит беру туралы шартта көзделген тәсілмен, жүргізілетін банк операцияларының және өзге де операциялардың тізбесін көрсете отырып, микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастырудың жүргізілгені туралы хабарлама жібереді.

7. Микроқаржы ұйымын банкке айналдыру нысанында ерікті түрде қайта ұйымдастыру нәтижесінде құрылған банктің, талаптарды қарыз алушылар үшін жақсарту жағына қарай өзгертуді қоспағанда, микрокредит беру туралы шарттардың талаптарын өзгертуіне тыйым салынады.

Ескерту. 32-бапқа өзгерту енгізілді – ҚР 1997.07.11 № 154 , 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

33-бап. Банк пен клиент арасындағы қатынастардың шарттық сипаты

1. Банкiлер арасындағы, сондай-ақ банкiлер мен олардың клиенттерi арасындағы қатынастар, егер Қазақстан Республикасының заңдарында өзгеше көзделмесе, шарттар негiзiнде жүзеге асырылады.

2. Банк клиенттерi, егер Қазақстан Республикасының заңдарында өзгеше көзделмесе, кредитор-банктi хабардар ете отырып, басқа банктерде банктiк шоттар ашуға құқылы.

3. Осы Заңның 46-бабы 1-тармағының бірінші бөлігі 2), 3), 5), 8), 9) және 10) тармақшаларының, 47-1-бабының 2-тармағы 2), 3) және 5) тармақшаларының, 48-1-бабы 1 және 7-тармақтарының, 59-3-бабы 5 және 7-тармақтарының, 61-6-бабы 3-тармағының, 61-8-бабы 4-тармағының, 61-9-бабы 2 және 3-тармақтарының, 61-10-бабы 1-тармағының, 61-11-бабының 13-тармағы 1) тармақшасының, 61-12-бабы 4-тармағының, 61-13-бабы 2-тармағының, 65-бабы 2-тармағының, 73-бабы 1 және 4-1-тармақтарының және 74-3-бабы 5-тармағының ережелері бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) бойынша талаптарды есепке жатқызуға және (немесе) тарату неттингіне қатысты қолданылмайды.

Бас қаржылық келісім тараптары бас қаржылық келісімде айқындалған тәртіппен және шарттарда бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) бойынша талаптарды есепке жатқызуды және (немесе) тарату неттингін жүзеге асырады (қолданады).

Бас қаржылық келісімде айқындалған тәртіппен және шарттарда жүзеге асырылған (қолданылған) талаптарды есепке жатқызу және (немесе) тарату неттингі нәтижесінде туындаған (есептелген) нетто-талап осы Заңда және Қазақстан Республикасының азаматтық заңнамасында белгіленген кредиторлармен есеп айырысу қағидаларына сәйкес жалпы негіздерде қанағаттандырылады.

Ескерту. 33-бапқа өзгерту енгізілді – ҚР 1997.07.11. № 154 Заңымен; 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

34-бап. Банктік қарыз операциясы

1. Банкпен, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйыммен жасалған банк қарызы, лизинг, факторинг, форфейтинг операцияларын жүзеге асыру, вексельдердi есепке алу, кепiлдiктер, кепiлдемелер, аккредитивтер шығару шарттары туралы ақпарат Қазақстан Республикасының кредиттік бюролар және кредиттік тарихты қалыптастыру туралы заңнамасында айқындалған шарттарда мемлекет қатысатын кредиттік бюроға міндетті түрде беруге жатады.

2. Банктік қарыз шартын жасасу тәртібі, оның ішінде банктік қарыз шартының мазмұнына, ресімделуіне, міндетті талаптарына қойылатын талаптар, қарызды өтеу графигінің нысандары және қарыз алушыға-жеке тұлғаға арналған жадынамалар Қазақстан Республикасының азаматтық заңнамасында белгіленген талаптар ескеріле отырып, уәкілетті органның нормативтік құқықтық актісімен бекітіледі.

2-1. Алып тасталды - ҚР 03.07.2019 № 262-VI Заңымен (01.01.2020 бастап қолданысқа енгізіледі).

3. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым банктік қарыз шартының талаптарын, қарыз алушы үшін оларды жақсарту талаптарын қоспағанда, біржақты тәртіппен өзгертуге құқылы емес.

Осы тармақтың мақсаттарында қарыз алушы үшін банктік қарыз шартының талаптарын жақсарту деп:

банктік қарызға қызмет көрсетуге байланысты көрсетілетін қызметтер үшін комиссияларды және өзге де төлемдерді азайту жағына қарай өзгерту немесе толық күшін жою;

тұрақсыздық айыбын (айыппұлды, өсімпұлды) азайту жағына қарай өзгерту немесе толық күшін жою;

банктік қарыз шарты бойынша сыйақы мөлшерлемесін азайту жағына қарай өзгерту;

банктік қарыз шарты бойынша төлемдерді кейінге қалдыру, оның ішінде мерзімді әскери қызмет өткеру мерзімін және ол аяқталғаннан кейінгі 60 күнді қамтитын кезеңге кейінге қалдыру және (немесе) ұзарту;

қарыздың шетел валютасын Қазақстан Республикасының ұлттық валютасына ауыстырған кезде шетел валютасымен берілген ипотекалық қарыз бойынша ақшалай міндеттемені азайту жағына қарай өзгерту түсініледі.

Банктік қарыз шартында қарыз алушы үшін жақсарту талаптарының қосымша тізбесі көзделуі мүмкін.

Осы тармақтың екінші бөлігінің алтыншы абзацында көзделген жағдайды қоспағанда, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жақсарту талаптарын қолданған жағдайда, қарыз алушы банктік қарыз шартында көзделген тәртіппен, сондай-ақ "Төлемдер және төлем жүйелері туралы" Қазақстан Республикасының Заңында көзделген сәйкестендіру құралдарын қолдану арқылы банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға қарыз алушы-жеке тұлғаны сәйкестендіруді жүзеге асыру мүмкіндігін беретін ақпараттандыру объектілері (бұдан әрі – ақпараттандыру объектілері) арқылы банктік қарыз шарты талаптарының өзгергені жөнінде хабардар етіледі.

Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қарыз бойынша ай сайынғы төлемдерді ұлғайтпай, банктік қарыз шарты бойынша төлемдерді кейінге қалдыруды және (немесе) бөліп төлеуді ұсынуы қарыз алушының келісімі болған кезде жүзеге асырылады.

Қарыз алушы хабарламаны алған күннен бастап күнтізбелік он төрт күн ішінде банктік қарыз шартында көзделген тәртіппен, сондай-ақ ақпараттандыру объектілері арқылы банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым қолданған жақсарту талаптарынан бас тартуға құқылы.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым Қазақстан Республикасының Ұлттық Банкі бекіткен Ипотекалық тұрғын үй қарыздарын (ипотекалық қарыздарды) қайта қаржыландыру бағдарламасын іске асыру мақсатында осы тармақтың екінші бөлігінің алтыншы абзацында көзделген жақсарту талабын қолданған жағдайда, мұндай талап туралы хабарландыру жарияланады. Хабарландыру Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспасөз басылымдарында қазақ және орыс тілдерінде жарияланады. Хабарландыру жарияланған күннен бастап күнтізбелік отыз күн ішінде қарыз алушыдан және (немесе) кепіл берушіден жазбаша қарсылықтың болмауы қарыз алушының және (немесе) кепіл берушінің осы тармақтың екінші бөлігінің алтыншы абзацында көзделген жақсарту талабын қолдануға келісуі ретінде қаралады.

3-1. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

3-2. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым банктік қарыз шарты бойынша уәкілетті орган айқындаған тәртіппен қарыз бойынша сыйақыны есепке жазбай, мерзiмдi әскери қызметтегі әскери қызметшiлерге мерзімді әскери қызмет өткеру мерзімін және ол аяқталғаннан кейінгі 60 күнді қамтитын кезеңге негізгі борыш пен сыйақы бойынша төлемді кейінге қалдыруды ұсынуға міндетті.

Мерзімді әскери қызметке шақырылған әскери қызметшілер, сондай-ақ оларды қызметтен шығару, оларда банктік қарыздың болуы не болмауы, ол бойынша төлемді кейінге қалдырудың ұсынылуы туралы мәліметтерді алмасу Қазақстан Республикасының Қорғаныс министрлігімен келісу бойынша уәкілетті орган айқындаған тәртіппен мемлекеттік органдардың және банктердің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың ақпараттық жүйелерінің өзара іс-қимылын қамтамасыз ету арқылы жүзеге асырылады.

Осы тармақтың екінші бөлігінде көзделген жағдайларда дербес деректерді жинау, өңдеу және пайдалану Қазақстан Республикасының заңнамасына сәйкес жүзеге асырылады.

4. Кез келген валютаның баламасына таңылып, теңгемен берілген банктік қарыз шарты бойынша міндеттемені және төлемдерді индекстеуге жол берілмейді. Бұл шектеулер банктердің арасында жасалатын шарттарға қолданылмайды.

5. Тізбесін уәкілетті орган белгілейтін оффшорлық аймақтарда тіркелген тұлғаларға банктік қарыздар беруге тыйым салынады.

5-1. Жеке тұлға банктік қарыздар алудан ерікті түрде бас тартуын кредиттік бюрода не "электрондық үкімет" веб-порталы арқылы тегін белгілеуге не оны алып тастауға құқылы.

5-2. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым банктік қарыз беру туралы шешім қабылданғанға дейін алған жеке тұлғаның кредиттік есебінде оның банктік қарыз алудан ерікті түрде бас тартуын белгілегені туралы ақпарат болған кезде банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның оған банктік қарыздар беруіне тыйым салынады.

Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның жеке тұлғаға жұбайының (зайыбының) келісімінсіз банктік қарыздар беруіне тыйым салынады, келісімді алу тәртібі және келісім қажет болатын банктік қарыздың ең төмен мөлшері уәкілетті органның нормативтік құқықтық актісінде айқындалады.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым клиент-жеке тұлғаның кредиттік есебінде оның банктік қарыз алудан ерікті түрде бас тартуын белгілегені туралы ақпарат болған кезде, сондай-ақ жұбайының (зайыбының) келісімінсіз банктік қарыз берген жағдайда, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жеке тұлғадан осындай банктік қарыз бойынша міндеттемелерді орындауды талап етуге құқылы емес.

Жеке тұлғаның банктік қарыз алудан ерікті түрде бас тартуын белгілегені туралы ақпарат болған кезде оған банктік қарыз беруге тыйым салу жеке тұлғаның банктік қарызы бойынша берешегін өтеу мақсатында немесе республикалық бюджет туралы заңда тиісті қаржы жылына белгіленген айлық есептік көрсеткіштің жетпіс бес еселенген мөлшерінен аспайтын мөлшерде төлем картасы бойынша белгіленген кредиттік лимит шеңберінде банктік қарыз беру жағдайларына қолданылмайды.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым осы тармақтың бірінші бөлігінде көзделген, жеке тұлғаның кредиттік есебінде оның банктік қарыз алудан ерікті түрде бас тартуын белгілегені туралы ақпарат болған кезде, сондай-ақ жұбайының (зайыбының) келісімінсіз банктік қарыз беру фактісі анықталған күннен бастап үш жұмыс күнінен кешіктірмей, мынадай шараларды қабылдайды:

клиенттің осындай банктік қарыз бойынша берешегін есептен шығару туралы шешім қабылдайды;

клиенттің осындай банктік қарызы бойынша берешекті өндіріп алуды және талап-арыз жұмысын тоқтатады;

осындай банктік қарыз бойынша ақпарат туралы жазбаларды жою арқылы клиенттің кредиттік бюролардағы кредиттік тарихына түзетулер енгізеді;

осындай банктік қарыз бойынша сыйақының және (немесе) тұрақсыздық айыбының бұрын ұсталған (төленген) сомаларын клиентке қайтаруды жүзеге асырады.

5-3. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның банктік қарыз және (немесе) микрокредит бойынша күнтізбелік тоқсан күннен астам мерзімі өткен берешегі бар жеке тұлғаға кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарыз беруіне тыйым салынады.

Бұл тыйым жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарызын және (немесе) микрокредитін өтеу мақсатында сыйақы мөлшерлемесін және (немесе) мерзімді төлемдер мөлшерін азайту жағына қарай өзгертуді және (немесе) тұрақсыздық айыбын (айыппұлды, өсімпұлды) азайту жағына қарай өзгертуді немесе толық жоюды көздейтін жақсарту талаптарында банктік қарыз беру жағдайларына қолданылмайды.

5-4. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым сомасы уәкілетті органның нормативтік құқықтық актісінде белгіленген талаптарға сай келмейтін тұтынушылық банктік қарыз беруге құқылы емес.

5-5. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның жеке тұлғаны биометриялық сәйкестендіруді жүргізбей онымен Интернет арқылы банктік қарыз шартын жасасуына тыйым салынады, оны жүргізу тәртібін уәкілетті орган айқындайды.

6. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның мынадай:

1) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның жаңа қарыздар беруді жүзеге асырмау құқығы туындайтын, банктік қарыз шартында көзделген;

2) қарыз алушы банктік қарыз шарты бойынша банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның алдындағы өз міндеттемелерін бұзған;

3) уәкілетті органның нормативтік құқықтық актісінің талаптарына сәйкес банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар жүргізетін мониторинг нәтижелері бойынша анықталған қарыз алушының қаржылық жағдайы нашарлаған;

4) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның банктік қарыз шартын тиісінше орындауына әсер ететін Қазақстан Республикасы заңнамасының талаптары өзгерген жағдайларды қоспағанда, жасалған банктік қарыз шартының (шарттарының) шеңберінде жаңа қарыздар беруді біржақты тәртіппен тоқтата тұруға құқығы жоқ.

6-1. Қарыз алушы – жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарыз шарты бойынша банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға негізгі борыш және (немесе) сыйақы сомалары бойынша төлемдердің кез келгенін өтеу міндеттемесін орындау мерзімін өткізіп алудың қатарынан күнтізбелік тоқсан күні өткен соң есепке жазылған сыйақыны, тұрақсыздық айыбын (айыппұлдарды, өсімпұлды), сондай-ақ қарызды беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдерді төлеуді талап етуге тыйым салынады.

Осы тармақтың талабы банктік қарыз шартына, егер оны жасасу күні негізгі борыш сомасы тіркеуге жататын мүлік кепілімен және (немесе) ақша кепілімен толық қамтамасыз етілген болса, қолданылмайды.

6-2. Жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарыз шартын орындау талаптарын өзгерту немесе жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарызын өтеу мақсатында жаңа қарыз беру кезінде негізгі борыш сомасына капиталдандырылған (жинақтап қосылған) мерзімі өткен сыйақыға, тұрақсыздық айыбына (айыппұлдарға, өсімпұлдарға), қарыз беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдерге сыйақыны есепке жазуға жол берілмейді.

7. Кәсіпкерлік қызметті жүзеге асыруға байланысты емес, тауарларды, жұмыстарды және көрсетілетін қызметтерді сатып алуға қарыз алған қарыз алушы - жеке тұлға, қарыз берілген күннен бастап банк есептеген сыйақыларды төлей отырып, банктік қарыз шартын жасасқан күннен бастап күнтізбелік он төрт күн ішінде қарызды қайтаруға құқылы.

Осы тармақта көзделген жағдайда, қарызды қайтарғаны үшін тұрақсыздық айыбы немесе айыппұл санкцияларының өзге де түрлері алынбайды.

7-1. Жеке тұлғамен жасалған банктік қарыз шарты бойынша қарыз алушы жүргізген төлем сомасы, егер ол қарыз алушының банктік қарыз шарты бойынша міндеттемелерін орындауы үшін жеткіліксіз болса, қарыз алушының берешегін мынадай кезектілікпен өтейді:

1) негізгі борыш бойынша берешек;

2) сыйақы бойынша берешек;

3) осы Заңның 35-бабының 2-тармағына сәйкес айқындалған мөлшердегі тұрақсыздық айыбы (айыппұл, өсімпұл);

4) төлемдердің ағымдағы кезеңі үшін негізгі борыш сомасы;

5) төлемдердің ағымдағы кезеңі үшін есепке жазылған сыйақы;

5-1) қарызды беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдер;

6) кредитордың орындауды алу бойынша шығасылары.

Мерзімін өткізіп алудың қатарынан күнтізбелік тоқсан күні өткеннен кейін жеке тұлғамен жасалған банктік қарыз шарты бойынша қарыз алушы жүргізген төлем сомасы, егер ол қарыз алушының банктік қарыз шарты бойынша міндеттемелерін орындауы үшін жеткіліксіз болса, қарыз алушының берешегін мынадай кезектілікпен өтейді:

1) негізгі борыш бойынша берешек;

2) сыйақы бойынша берешек;

3) төлемдердің ағымдағы кезеңі үшін негізгі борыш сомасы;

4) төлемдердің ағымдағы кезеңі үшін есепке жазылған сыйақы;

5) осы Заңның 35-бабының 2-тармағына сәйкес айқындалған мөлшердегі тұрақсыздық айыбы (айыппұл, өсімпұл);

5-1) қарыз беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге төлемдер бойынша берешек;

6) кредитордың орындауды алу бойынша шығасылары.

8. Банктiк қарыз операциялары банктiң, ипотекалық ұйымның немесе агроөнеркәсіптік кешен субъектілеріне кредит беруді жүзеге асыратын, дауыс беретін акцияларының жүз пайызы тікелей немесе жанама түрде ұлттық басқарушы холдингке тиесілі ұйымның басқару органы бекiтетiн Ішкi кредит саясаты туралы қағидаларға сәйкес жүзеге асырылады.

9. Банктiң кредит комитетi ішкi кредиттік саясатты жүзеге асыратын орган болып табылады.

10. Iшкi кредиттік саясат туралы қағидалар банктiк қарыз операцияларын жүзеге асыру кезiнде тәуекелдi төмендету мақсатында жасалады және мыналарды:

1) жеке және заңды тұлғаларға кредиттер беру шарттарын;

2) лауазымды адамдар мен банк қызметкерлерiне кредит беру шарттарын;

3) кредиттік комитеттiң ұйымдық құрылымын, функциясын және өкiлеттiгiн;

4) кредиттік комитет мүшелерiнiң жауапкершiлiгiн;

5) кредит берудiң лимиттерін;

6) кредиттік шарттарды бекiту рәсiмiн;

6-1) жеке тұлғаға банктік қарыз беру үшін кредиттік скорингтің болу қажеттілігін;

7) кредит беру туралы өтініштерді қараудың, кредит беру (беруден бас тарту) туралы шешім қабылдаудың, кредит беру шарттарын өзгертудің шекті мерзімдерін айқындайды.

10-1. Банктік қарыз беру туралы мәселені қарау кезінде банк өз әдістемесі негізінде есептелген жеке тұлғаның кредиттік скорингін немесе кредиттік бюро берген кредиттік скорингті ескереді.

11. Егер қарыз беру туралы шарттарда сақтандыру және (немесе) қамтамасыз ету болып табылатын мүліктің нарықтық құнын айқындау мақсатында бағалау жүргізу шарттарын жасасу туралы талаптар көзделген болса, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қарыз алушыға, кепіл берушіге сақтандыру ұйымын және (немесе) бағалаушыны таңдауда шек қоюға құқығы жоқ.

Қарыз алушыға банктік қарыз шартымен өз өмірін немесе денсаулығын сақтандыру міндеті жүктелмейді.

12. Осы баптың 4, 5, 8 – 11-тармақтарында белгіленген нормалар банктердің кепілдіктер мен кепілдемелер беру жөніндегі операцияларына, сондай-ақ ислам банктерінің осы Заңның 52-5-бабы 1-тармағының 3), 4), 4-1) және 5) тармақшаларында көрсетілген операцияларына қолданылады.

13. Ислам банкiнiң банктiк қарыз және өзге де операцияларды жүргiзу ерекшелiктерi мен шектеулерi осы Заңның 4-1-тарауында белгiленедi.

14. Банктік қарыз шарты бойынша құқықтар (талаптар) үшінші тұлғаға берілген кезде Қазақстан Республикасының заңнамасымен кредитордың қарыз алушымен банктік қарыз шарты шеңберіндегі өзара қатынастарына қойылатын талаптар мен шектеулердің күші қарыз алушының өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген үшінші тұлғамен құқықтық қатынастарына қолданылады, ал банктік қарыз шарты бойынша құқықтар (талаптар) сервистік компанияның сенімгерлік басқаруына берілген жағдайда, Қазақстан Республикасының заңнамасымен кредитордың қарыз алушымен банктік қарыз шарты шеңберіндегі өзара қатынастарына қойылатын талаптар мен шектеулердің күші қарыз алушының сервистік компаниямен құқықтық қатынастарына қолданылады.

Өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген үшінші тұлғаның, сондай-ақ сервистік компанияның Қазақстан Республикасының заңнамасымен кредитордың қарыз алушымен банктік қарыз шарты шеңберіндегі өзара қатынастарына қойылатын талаптар мен шектеулерді бұзуы Қазақстан Республикасының заңдарында белгіленген жауаптылыққа алып келеді.

15. Банк құпиясын құрайтын ақпаратқа құқыққа сыйымсыз қол жеткізілгені, оның құқыққа сыйымсыз өзгертілгені, үшінші тұлғалар тарапынан құқыққа сыйымсыз әрекеттердің не жеке тұлғалардың банктік қарыздарымен өзге де заңсыз (алаяқтық) әрекеттердің жүзеге асырылғаны анықталған кезден бастап банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым екі жұмыс күні ішінде осындай әрекеттердің себептері мен салдарын жою үшін шаралар қабылдайды, сондай-ақ бұл туралы клиентке және уәкілетті органға бір жұмыс күні ішінде хабар береді.

Қазақстан Республикасының Қылмыстық-процестік кодексіне сәйкес құқық қорғау органдары енгізген (шығарған) қылмыстық құқық бұзушылық жасауға ықпал еткен мән-жайларды жою жөніндегі шараларды қабылдау туралы ұсынымның не қарыз алушы-жеке тұлғаны жәбірленуші деп тану туралы қаулының негізінде банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым күнтізбелік үш күннен кешіктірмей:

клиенттің осындай банктік қарызы бойынша берешекті өндіріп алуды және талап-арыз жұмысын тоқтата тұрады;

клиенттің осындай банктік қарызы бойынша сыйақы және (немесе) тұрақсыздық айыбын есепке жазуды тоқтата тұрады.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым клиенттің қатысуынсыз алаяқтық тәсілмен банктік қарызды ресімдеу фактісі анықталған, заңды күшіне енген сот актісін алған күннен бастап он жұмыс күнінен кешіктірмей, клиенттің банктік қарыз бойынша берешегін есептен шығару туралы шешімді, сондай-ақ осындай банктік қарыз бойынша бұрын ұсталған (төленген) сомаларды клиентке қайтару жөніндегі шараларды қабылдайды.

Ескерту. 34-бап жаңа редакцияда - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), өзгерістер енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 17.07.2015 № 333-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 06.05.2017 № 63-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); 24.05.2018 № 156-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 27.12.2019 № 291-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2020 № 359-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі); 27.12.2021 № 87-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 31.12.2021 № 100-VII (қолданысқа енгізілу тәртібін 2-б. қараңыз); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 11.12.2023 № 44-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (қолданысқа енгізілу тәртібін 2-б. қараңыз) Заңдарымен.

34-1-бап. Жеке тұлғаға кәсіпкерлік қызметпен байланысты емес ипотекалық қарыз беру ерекшелiктерi

1. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жеке тұлғамен кәсiпкерлiк қызметпен байланысты емес ипотекалық қарыз шартын жасағанға дейін банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ішкі қағидаларына сәйкес қарыз алушының кредит төлеу қабілеттілігін (төлем қабілеттілігін) жан-жақты, толық және сапалы бағалауды (бұдан әрі – қарыз алушының кредит төлеу қабілеттілігін тиісінше бағалау) жүзеге асыруға міндетті.

Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның:

1) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қалауы бойынша мынадай құжаттардың бірімен:

жеке зейнетақы шотынан берілетін бірыңғай жинақтаушы зейнетақы қорының соңғы алты айдағы үзінді-көшірмесімен;

жұмыс орнынан берілген соңғы алты айдағы кірістері туралы анықтамамен;

қарыз алушының – жеке тұлғаның жеке табыс салығы бойынша соңғы салық кезеңіндегі салық декларациясымен;

банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ішкі құжаттарына және рәсімдеріне сәйкес жеке тұлғаның кәсiпкерлiк қызметпен байланысты емес ипотекалық қарыз шарты бойынша қарыз алушының міндеттемелерін орындау мүмкіндігінің бар екенін көрсететін өзге де құжаттармен расталған, жеке тұлғаның кәсiпкерлiк қызметпен байланысты емес ипотекалық қарыз шарты бойынша қарыз алушының міндеттемелерді орындау мүмкіндігінің болуын;

2) қарыз алушының соңғы алты айдағы кредиттік тарихының бар екенін не жоқ екенін;

3) салықтар және бюджетке төленетін басқа да міндетті төлемдер бойынша берешегінің бар екенін не жоқ екенін;

4) үшінші тұлғалар алдында кредиттік есепте көрсетілген берешектің бар екенін не жоқ екенін айқындау жөніндегі іс-шаралары осы баптың мақсаттары үшін қарыз алушының кредит төлеу қабілеттілігін тиісінше бағалау болып танылады.

Қарыз алушының кредит төлеу қабілеттілігін қарыз алушы жөніндегі мәліметтермен жиынтықта тиісінше бағалау жеке тұлғаның кәсiпкерлiк қызметпен байланысты емес ипотекалық қарыз шарты бойынша қарызды қайтару жөніндегі міндеттемелердің орындалуы үшін ынтамақты жауапты ретінде әрекет ететін жеке тұлға (қоса қарыз алушы) жөніндегі мәліметтерді ескереді.

Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның осы тармақта көзделген қарыз алушының кредит төлеу қабілеттілігін тиісінше бағалауды жүзеге асыруы үшін қарыз алушының (қоса қарыз алушының) анық емес ақпарат ұсынғаны үшін банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жауапты болмайды.

2. Жеке тұлға өтініш жасаған күннің алдындағы қатарынан алты ай ішінде шетел валютасында кірісі болмаған жеке тұлғаларға кәсiпкерлiк қызметпен байланысты емес ипотекалық қарыздарды шетел валютасында беруге тыйым салынады.

3. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жеке тұлғаның кәсіпкерлік қызметпен байланысты емес ипотекалық қарыз шарттары бойынша ипотекалық қарызды беруге және оған қызмет көрсетуге байланысты банктік шотты жүргізгені үшін, сондай-ақ банктік шотқа қарызды есепке жатқызғаны үшін комиссия белгілеуге және алуға құқылы емес.

4. Жеке тұлғаның кәсіпкерлік қызметпен байланысты емес ипотекалық тұрғын үй қарызы шартының талаптарын өзгерту немесе ипотекалық тұрғын үй қарызы шартын өтеу мақсатында жаңа қарыз беру кезінде мерзімі өткен сыйақыны, тұрақсыздық айыбын (айыппұлды, өсімпұлды) негізгі борыш сомасына капиталдандыруға (жинақтауға) жол берілмейді.

5. Жеке тұлға болып табылатын қарыз алушы ипотекалық тұрғын үй қарызының нысаналы пайдаланылуын қамтамасыз етуге міндетті.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым ипотекалық тұрғын үй қарызы шартында белгіленген тәртіппен жеке тұлғаның ипотекалық тұрғын үй қарызының нысаналы пайдаланылуын бақылауды жүзеге асырады.

Жеке тұлғаның кәсіпкерлік қызметпен байланысты емес ипотекалық тұрғын үй қарызы нысаналы пайдаланылмаған кезде қарыз алушы банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға ипотекалық тұрғын үй қарызын мерзімінен бұрын қайтаруға және ипотекалық тұрғын үй қарызын пайдалану бөлігінде ипотекалық тұрғын үй қарызының нысанасы пайдаланылған бүкіл кезең үшін ипотекалық тұрғын үй қарызы шарты бойынша есепке жазылған сыйақы төлеуге міндетті.

6. Қарыз алушының жеке басына байланысты өзгерістер болған күннен бастап он бес жұмыс күні ішінде қарыз алушы банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға осындай барлық өзгерістер туралы ақпарат береді.

Қарыз алушының жеке басына байланысты өзгерістерге оның тұрғылықты жерінің өзгеруі, тегінің, атының, әкесінің атының (егер ол жеке басын куәландыратын құжатта көрсетілген болса) ауысуы, жеке басты куәландыратын құжаттарды ауыстыруы, қарыз алушымен байланысу үшін пайдаланылатын байланыс ақпаратының және байланыс тәсілінің өзгеруі жатады.

Егер қарыз алушы ақпараттың тиісті түрде жіберілгенін дәлелдесе, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қарыз алушыдан оның жеке басына байланысты барлық өзгерістер туралы ақпарат алмағаны туралы мәлімдемесі қарыз алушының тарапынан осы баптың талаптарын бұзу болып табылмайды.

7. Алып тасталды – ҚР 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі) Заңымен.
8. Алып тасталды – ҚР 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі) Заңымен.

9. Жеке тұлға болып табылатын қарыз алушы берешегінің ұлғаюын болғызбау мақсатында банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға жеке тұлғаның кәсіпкерлік қызметпен байланысты емес ипотекалық қарыз шарты бойынша негізгі борыш және (немесе) сыйақы сомалары бойынша төлемдердің кез келгенін өтеу міндеттемесін орындау мерзімін өткізіп алудың қатарынан күнтізбелік бір жүз сексен күн өткен соң есепке жазылған сыйақыны, тұрақсыздық айыбын (айыппұлдарды, өсімпұлды), сондай-ақ қарызды беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдерді төлеуді талап етуге тыйым салынады.

10. Егер қарыз алушы жүргізген төлем сомасы жеке тұлғаның кәсіпкерлік қызметпен байланысты емес ипотекалық қарыз шарты бойынша қарыз алушының міндеттемесін орындау үшін жеткіліксіз болса, ол қарыз алушының берешегін мынадай кезектілікпен өтейді:

1) сыйақы бойынша берешек;

2) ипотекалық қарызды беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдер бойынша берешек;

3) осы Заңның 35-бабының 2-тармағына сәйкес айқындалған мөлшерде тұрақсыздық айыбы (айыппұл, өсімпұл);

4) төлемдердің ағымдағы кезеңі үшін есепке жазылған сыйақы;

5) ипотекалық қарызды беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдер;

6) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның орындауды алу бойынша шығасылары;

7) негізгі борыш бойынша берешек;

8) төлемдердің ағымдағы кезеңі үшін негізгі борыш сомасы.

11. Тұрғынжай банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның меншігіне өткен және (немесе) тұрғынжай акт бойынша берілген және "Тұрғын үй қатынастары туралы" Қазақстан Республикасының Заңына сәйкес халықтың әлеуметтік жағынан осал топтарына жататын кепіл беруші-жеке тұлғаның меншігінде өзге тұрғынжай болмаған жағдайларда, осындай тұрғынжай банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның меншігіне өткен күннен бастап күнтізбелік отыз күн ішінде банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға өзіне осы тұрғынжайды жалға беру, соның ішінде оны сатып алу шартымен жалға беру туралы өтінішпен жүгінуге құқылы.

12. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым осы баптың 11-тармағында көзделген өтінішті алған күннен кейін күнтізбелік он бес күн ішінде оны қарайды және жеке тұлғаға мынадай шешімдердің бірі туралы:

1) сатып алу шартымен немесе онсыз тұрғын үйді мүліктік жалдау (жалға алу) шартын жасасуға келісетіні туралы;

2) осы Заңда белгіленген негіздер бойынша мүліктік жалдау (жалға алу) шартын жасасудан бас тарту себептерінің уәжді негіздемесін көрсете отырып, осындай шарт жасасудан бас тартатыны туралы хабарлайды.

13. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым мынадай жағдайларда:

1) өтініш беруші халықтың әлеуметтік жағынан осал топтары санатына жататыны жөнінде анық емес мәліметтерді ұсынған;

2) өтініш беруші кіріс көздерінің болмауына байланысты жалға алу ақысын төлей алмайтын;

3) өтініш берушінің банкроттығы;

4) өтініш берушінің меншік құқығында тұрғын үйі болған жағдайларда, осы баптың 11-тармағында көзделген өтініш бойынша мүліктік жалдау (жалға алу) шартын жасасудан бас тартуға құқылы.

14. Мүліктік жалдау (жалға алу) шарты тұрғынжайды сатып алу шартымен жасалған жағдайда тұрғынжайға меншік құқығы жалға алушы жалға алу бойынша соңғы төлемді не тұрғынжайдың мүліктік жалдау (жалға алу) шартында айқындалған құнын толық мерзімінен бұрын өтеуді жүзеге асырғаннан кейін жалға алушыға ресімделеді.

Жалға алушы мүліктік жалдау (жалға алу) шарты бойынша міндеттемелерді қатарынан күнтізбелік тоқсан күннен астам мерзімде орындамаған жағдайда мүліктік жалдау (жалға алу) шарты тоқтатылады, бұл ретте банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның мерзімі өткен төлемдерге тұрақсыздық айыбын (өсімпұлды) есепке жазуына және талап етуіне тыйым салынады.

Ескерту. Заң 34-1-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен; өзгеріс енгізілді - ҚР 21.01.2019 № 217-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

35-бап. Кредиттердің қайтарымдылығын қамтамасыз ету

1. Кредиттердің қайтарымдылығы тұрақсыздық айыбымен, кепiлмен, кепiлдiкпен, кепiлдемемен және Қазақстан Республикасының заңнамасында немесе шартта көзделген басқа да әдiстермен қамтамасыз етiлуi мүмкiн.

2. Жеке тұлғамен жасалған банктік қарыз шарты бойынша қарыз сомасын қайтару және (немесе) сыйақы төлеу жөніндегі міндеттемені бұзғаны үшін тұрақсыздық айыбының (айыппұлдың, өсімпұлдың) мөлшері мерзімін өткізіп алудың тоқсан күні ішінде мерзімі өткен әрбір күн үшін мерзімі өткен төлем сомасының 0,5 пайызынан аспауға тиіс, мерзімін өткізіп алудың тоқсан күні өткеннен кейін мерзімі өткен әрбір күн үшін мерзімі өткен төлем сомасының 0,03 пайызынан аспауға, бірақ банктік қарыз шарты қолданылатын әрбір жылға берілген қарыз сомасының он пайызынан артық болмауға тиіс.

3. Клиент кредитті өтеу қабiлеті жоғары және сенiмдi болған жағдайда, банк қамтылымсыз кредит (бланктік кредит) беру туралы шешiм қабылдауға құқылы. Қамтылымсыз кредит (бланкілік кредит) беру критерийлері уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

4. Егер кредиттің қайтарымдылығын қамтамасыз ету үшін бірнеше кепіл нысанасы берілсе, онда қарыз алушы банктік қарыз шарты бойынша міндеттемелерін тиісінше орындаған жағдайда және қарыз алушы, кепіл беруші кепілдік қамтамасыз етуді азайту туралы талаппен өтініш жасаған кезде бағалаушы айқындаған кепіл нысаналарының нарықтық құны банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) кепілдік саясатының талаптарын ескергенде, қарыз алушы міндеттемелерінің орындалмаған бөлігінің сомасынан асып кеткен жағдайда, банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарыз алушы, кепіл беруші өтініш жасаған күннен бастап он жұмыс күні ішінде қарыз алушы міндеттемелерінің мөлшерінен асып кеткен бөлігінде бір немесе бірнеше кепіл нысанасының кепілі туралы шартты (шарттарды) бұзу (өзгерту) жөнінде шаралар қабылдауға міндетті.

4-1. Егер орындалмаған міндеттемелердің сомасы кепілмен қамтамасыз ету құнының он пайызынан аз болса, банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарыз алушы, кепіл беруші өтініш берген күннен бастап жиырма жұмыс күні ішінде банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) кепілдік саясатының талаптарын ескере отырып, кепіл нысанасын өтініш жасалған кезде бағалаушы айқындаған нарықтық құны орындалмаған міндеттеменің сомасын жабатын өзге мүлікке ауыстыруды қарауға міндетті.

5. Кепiл туралы шартта, сондай-ақ Қазақстан Республикасының заңнамалық актiлерiнде көзделген жағдайларда, банк кепiлдегі мүлiктi сауда-саттық (аукцион) өткiзу арқылы соттан тыс тәртіппен дербес өткiзуге құқылы.

6. Осы баптың 1 - 5-тармақтарында белгiленген нормалар банктердiң кепiлдiктер мен кепiлдемелер беру жөнiндегi операцияларын қамтамасыз етуге қолданылады.

Ескерту. 35-бап жаңа редакцияда - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен, өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.07.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 31.12.2021 № 100-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

36-бап. Берешекті реттеу шарттары мен тәртібі және төлемге қабілетсіз қарыз алушыға қатысты қолданылатын шаралар

Ескерту. 36-баптың тақырыбы жаңа редакцияда – ҚР 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі) Заңымен.

1. Банктік қарыз шарты бойынша міндеттемені орындаудың өткізіп алынған мерзімі болған кезде, бірақ ол басталған күннен бастап күнтізбелік он күннен кешіктірмей, банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарыз алушыны банктік қарыз шартында көзделген тәсілмен және мерзімдерде, сондай-ақ ақпараттандыру объектілері арқылы:

1) банктік қарыз шарты бойынша міндеттемені орындау бойынша мерзімді өткізіп алудың туындағаны және хабарламада көрсетілген күнге мерзімі өткен берешектің мөлшерін көрсете отырып, банктік қарыз шарты бойынша төлемдерді енгізу қажеттігі;

1-1) банктік қарыз шарты бойынша қарыз алушы-жеке тұлғаның банкке (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға) осы баптың 1-1-тармағында көзделген өтінішпен жүгіну құқығы;

2) қарыз алушының банктік қарыз шарты бойынша өз міндеттемелерін орындамауының салдарлары туралы хабардар етуге міндетті.

Банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарыз алушыны хабардар ету үшін коллекторлық агенттікті тартуға құқылы.

1-1. Банктік қарыз шарты бойынша міндеттемені орындау мерзімін өткізіп алу басталған күннен бастап күнтізбелік отыз күн ішінде қарыз алушы – жеке тұлға банкке (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға) баруға және (немесе) өзінің банктік қарыз шартының талаптарына, оның ішінде:

1) банктік қарыз шарты бойынша сыйақы мөлшерлемесін азайту жағына қарай өзгертуге;

2) шет ел валютасымен берілген банктік қарыз бойынша негізгі борыштың қалдық сомасының валютасын ұлттық валютаға өзгертуге;

3) негізгі борыш және (немесе) сыйақы бойынша төлем мерзімін кейінге қалдыруға;

4) берешекті өтеу әдісін немесе берешекті өтеу кезектілігін, оның ішінде негізгі борышты басым тәртіппен өтей отырып өзгертуге;

5) банктік қарыз мерзімін өзгертуге;

6) мерзімі өткен негізгі борышты және (немесе) сыйақыны кешіруге, тұрақсыздық айыбының (айыппұлдың, өсімпұлдың), банктік қарызға қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдердің күшін жоюға;

7) "Жылжымайтын мүлік ипотекасы туралы" Қазақстан Республикасы Заңының 20-1-бабында көзделген тәртіппен кепіл берушінің ипотека нысанасы болып табылатын жылжымайтын мүлікті өзі дербес өткізуіне;

8) банктік қарыз шарты бойынша міндеттемені орындаудың орнына банкке (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға) кепіл мүлкін беру арқылы бас тарту төлемін ұсынуға;

9) сатып алушыға банктік қарыз шарты бойынша міндеттемені бере отырып, ипотека нысанасы болып табылатын жылжымайтын мүлікті өткізуге байланысты өзгерістер енгізу туралы өтінішін негіздейтін банктік қарыз шарты бойынша міндеттемені орындау мерзімін өткізіп алудың туындау себептері, кірістер және басқа да расталған мән-жайлар (фактілер) туралы мәліметтерді қамтитын өтінішті жазбаша нысанда, сондай-ақ ақпараттандыру объектілері арқылы не банктік қарыз шартында көзделген тәсілмен ұсынуға құқылы.

1-2. Банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) осы баптың 1-1-тармағында көзделген өтінішті алған күннен кейін күнтізбелік он бес күн ішінде қарыз алушы-жеке тұлға ұсынған банктік қарыз шартының талаптарына өзгерістерді уәкілетті органның нормативтік құқықтық актісінде айқындалған тәртіппен қарайды және қарыз алушы-жеке тұлғаға мынадай шешімдердің бірі туралы:

1) банктік қарыз шартының талаптарына ұсынылған өзгерістермен келісетіні туралы;

2) банктік қарыз шартының талаптарын өзгерту бойынша қарсы ұсыныс туралы;

3) банктік қарыз шартының талаптарын өзгертуден бас тарту себептерінің уәжді негіздемесін көрсете отырып, осындай бас тарту туралы жазбаша нысанда, сондай-ақ ақпараттандыру объектілері арқылы не банктік қарыз шартында көзделген тәсілмен хабарлайды.

Қарыз алушы-жеке тұлғаның банктік қарыз шартының талаптарына өзгерістер енгізу туралы өтінішін қарау кезеңінде банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарызды мерзімінен бұрын өтеуді талап етуге құқылы емес.

Банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) осы тармақтың бірінші бөлігінің 2) тармақшасында көзделген шешімі алынған күннен бастап күнтізбелік отыз күн ішінде банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) және қарыз алушы-жеке тұлға арасында өзара қолайлы шешімге қол жеткізілмеуі банктік қарыз шартының талаптарын өзгертуден бас тарту болып есептеледі. Бұл мерзім екі тараптың да келісімі болған кезде ұзартылуы мүмкін.

ЗҚАИ-ның ескертпесі!
1-3-тармақ жаңа редакцияда көзделген – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) Заңымен.

1-3. Қарыз алушы-жеке тұлға банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) осы баптың 1-2-тармағының 3) тармақшасында көзделген шешімін алған күннен бастап күнтізбелік он бес күн ішінде немесе банктік қарыз шартының талаптарын өзгерту туралы өзара қолайлы шешімге қол жеткізбеген кезде бір мезгілде банкті (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымды) хабардар ете отырып, уәкілетті органға өтініш жасауға құқылы.

Уәкілетті орган қарыз алушы – жеке тұлғаның өтінішін оның банкке (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға) өтініш жасауының дәлелдемелері ұсынылған және банкпен (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйыммен) банктік қарыз шартының талаптарын өзгерту туралы өзара қолайлы шешімге қол жеткізілмеген кезде қарайды.

Уәкілетті органның "Тұрғын үй қатынастары туралы" Қазақстан Республикасының Заңына сәйкес халықтың әлеуметтік осал топтарына жататын қарыз алушы – жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес ипотекалық тұрғын үй қарызы жөніндегі өтінішін қарауы кезеңінде кепілге қойылған мүлікке сотқа талап қоюды беру арқылы не соттан тыс тәртіппен өндіріп алуды қолдануға жол берілмейді.

Осы тармақтың үшінші бөлігінде белгіленген талап уәкілетті орган өтінішті өтініш жасалған күннен бастап күнтізбелік алпыс күннен астам қараған, сондай-ақ қарыз алушы – жеке тұлғаның бұрын қаралған мәселе бойынша өтініші қайта берілген жағдайларда қолданылмайды.

Қарыз алушы – жеке тұлғаның өтінішін уәкілетті орган Қазақстан Республикасының заңнамасында белгіленген тәртіппен қарайды.

2. Осы баптың 1-тармағы бірінші бөлігінің 1) тармақшасында көзделген талап қанағаттандырылмаған кезде банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым), Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актісінде айқындалған тәртіппен қарыз алушының талабы бойынша ашылған банктік шоттардағы мемлекеттік бюджеттен және (немесе) Мемлекеттік әлеуметтік сақтандыру қорынан төленетін жәрдемақылар мен әлеуметтік төлемдер, Қазақстан Республикасы Әлеуметтік кодексінің 112-бабы 4-тармағының 1) тармақшасына сәйкес берілетін материалдық көмек түрінде қарыз алушы алатын ақшаны (электрондық ақшаны), Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актісінде айқындалған тәртіппен қарыз алушының талабы бойынша ашылған банктік шоттардағы алименттерді (кәмелетке толмаған және еңбекке жарамсыз кәмелетке толған балаларды күтіп-бағуға арналған ақшаны), сондай-ақ "Тұрғын үй қатынастары туралы" Қазақстан Республикасының Заңында көзделген тұрғын үй төлемдерін, жеке тұрғын үй қорынан жалға алынған тұрғын үйге ақы төлеу мақсатында төлемдер мен субсидияларды есепке жатқызуға арналған тұрғын үй құрылысы жинақ банкіндегі банктік шоттардағы ақшаны, тұрғын үй жағдайларын жақсарту және (немесе) білім беру ақысын төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін нысаналы жинақтарды және (немесе) нысаналы жинақ төлемдерін, Қазақстан Республикасының әлеуметтік қорғау туралы заңнамасында көзделген тұрғын үй жағдайларын жақсарту және (немесе) емделуге ақы төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін біржолғы зейнетақы төлемдерін, тұрғын үй төлемдерін пайдалану есебінен жинақталған тұрғын үй құрылысы жинақ ақшасы түріндегі, тұрғын үй жағдайларын жақсарту және (немесе) білім беру ақысын төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін нысаналы жинақ төлемдері түріндегі тұрғын үй құрылысы жинақ банктеріндегі банктік шоттардағы ақшаны, кондоминиум объектісінің ортақ мүлкіне күрделі жөндеу жүргізу мақсатында жасалатын шарттар бойынша міндеттемелердің орындалмауы туралы істер бойынша сот шешімдері негізінде өндіріп алуларды қоспағанда, кондоминиум объектісінің ортақ мүлкін күрделі жөндеуге арналған жинақтар түріндегі екінші деңгейдегі банктердегі банктік шоттардағы ақшаны, Қазақстан Республикасының мемлекеттік-жекешелік әріптестік саласындағы және концессиялар туралы заңнамасына сәйкес инвестициялық шығындардың өтемақысын есепке жатқызуға арналған банктік шоттардағы ақшаны, нотариус депозиті шарттарында енгізілген ақшаны, инвестициялық портфельді басқарушының орындалмаған міндеттемелері бойынша, осы инвестициялық портфельді басқарушы клиенттерінің ақшасын есепке алуға арналған банктік шоттардағы ақшаны, номиналды ұстаушы функцияларын жүзеге асыратын тұлғаның орындалмаған міндеттемелері бойынша, осы номиналды ұстаушы функцияларын жүзеге асыратын тұлға клиенттерінің ақшасын есепке алуға арналған банктік шоттардағы ақшаны, қаржы құралдарымен жасалатын мәмілелер бойынша клирингтік қызметті жүзеге асыру үшін банктік шоттардағы ақшаны, "Мемлекеттік білім беру жинақтау жүйесі туралы" Қазақстан Республикасының Заңына сәйкес жасалған білім беру жинақтау салымы туралы шарт бойынша банктік шоттардағы ақшаны, жеке сот орындаушыларының өндіріп алушылардың пайдасына өндіріп алынған сомаларды сақтауға арналған ағымдағы шоттарындағы ақшаны, өзіне қатысты "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңында көзделген тәртіппен төлем қабілеттілігін қалпына келтіру, соттан тыс немесе сот арқылы банкроттық рәсімін қолдану туралы іс қозғалған қарыз алушы-Қазақстан Республикасы азаматының банктік шоттарындағы ақшаны қоспағанда, қарыз алушының банктік шоттарындағы ақшаны даусыз тәртіппен, оның ішінде төлем талабын қою арқылы өндіріп алуды қолдануға (егер мұндай өндіріп алу банктік қарыз шартында ескертілген болса) құқылы.

Банктік қарыз шарты бойынша берешекті банктік жинақ шоттарындағы, берілген банктік қарыздар бойынша кепіл нысанасы болып табылатын ақша есебінен осындай банктік қарыздар бойынша өтелмеген негізгі борыштың сомасы мөлшерінде төлем талабымен өндіріп алуға жол берілмейді.

Инвестициялық шығындардың өтемақысын есепке жатқызуға арналған банктік шоттардағы ақшаны алып қою бөлігіндегі шектеулер Қазақстан Республикасы Азаматтық кодексінің 742-бабының 2-тармағында көзделген кезектілікке сәйкес бірінші, екінші және үшінші кезектерге жататын талаптарға қолданылмайды.

Төлем талабын қою арқылы банктік қарыз шарты бойынша қарыз алушы-жеке тұлғаның берешегін өндіріп алу оның банктік шотындағы ақша сомасының және (немесе) кейіннен қарыз алушының банктік шотына заңды тұлғадан немесе дара кәсіпкерден түсетін әрбір ақша сомасының елу пайызы шегінде шектеледі және төлем талабын толық орындау үшін қажетті барлық соманың банктік шотқа түсуі күтілместен жүзеге асырылады.

Жеке тұлғаның немесе егер жеке тұлға қызметін жеке кәсіпкерлік түрінде жүзеге асыратын дара кәсіпкер ретінде тіркелген болса, дара кәсіпкердің ағымдағы шотында немесе жиынтығында бір банкте ашылған ағымдағы шоттарында сақталатын ақша сомасы төлем талабын орындау кезінде республикалық бюджет туралы заңда тиісті қаржы жылына белгіленген ең төмен күнкөріс деңгейінің екі еселенген мөлшерінен аз болмауға тиіс.

Егер жеке тұлға қызметін жеке кәсіпкерлік түрінде жүзеге асыратын дара кәсіпкер ретінде тіркелген болса, көрсетілген шектеу қарыз алушы-жеке тұлғаның немесе дара кәсіпкердің жинақ шотындағы ақшаға қолданылмайды.

2-1. Осы баптың 1-тармағы бірінші бөлігінің 1) тармақшасында көзделген талап қанағаттандырылмаған, сондай-ақ банктік қарыз шарты бойынша қарыз алушы-жеке тұлға осы баптың 1-1-тармағында көзделген құқықтарды іске асырмаған не қарыз алушы жеке тұлға мен банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) арасында банктік қарыз шартының талаптарын өзгерту бойынша келісім болмаған жағдайларда, банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) осы баптың 2-тармағында көзделген шаралардан басқа:

1) қарыз алушыға қатысты шаралар қолдану туралы мәселені қарауға құқылы.

Шаралар қолдану туралы шешім қабылдау Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ішкі кредиттік саясаты туралы қағидаларына сәйкес жүзеге асырылады;

2) берешекті сотқа дейін өндіріп алу және реттеу үшін коллекторлық агенттікке беруге құқылы.

Банктік қарыз шартында қарыз алушы банктік қарыз шарты бойынша міндеттемелерді орындау мерзімін өткізіп алуға жол берген жағдайда банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) коллекторлық агенттікті тартуға құқығы болған кезде берешекті сотқа дейін өндіріп алу және реттеу үшін коллекторлық агенттікке беруге жол беріледі.

Банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) берешекті сотқа дейін өндіріп алуға және берешекті реттеуге берген күні ол туралы коллекторлық агенттіктің атауын, тұрған жерін, коллекторлық агенттіктің борышкерлермен байланысуға арналған телефон нөмірлерін көрсете отырып, қарыз алушыны банктік қарыз шартында көзделген тәсілмен, сондай-ақ ақпараттандыру объектілері арқылы хабардар етеді.

Берешек коллекторлық агенттікте сотқа дейін өндіріп алуда және реттеуде болған кезеңде банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым):

сотқа берешекті өндіріп алу туралы талап қоюмен жүгінуге;

берешек коллекторлық агенттікте жұмыста болған кезең үшін сыйақыны, қарыз беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдерді төлеуді талап етуге, сондай-ақ негізгі борышты және сыйақыны уақтылы өтемегені үшін көрсетілген кезеңде тұрақсыздық айыбын (айыппұлды, өсімпұлды) есепке жазуға құқылы емес;

3) қарыз алушыда:

жеке тұлғаның ипотекалық қарызы бойынша – қатарынан күнтізбелік бір жүз сексен күннен асатын;

жеке тұлғаның өзге де банктік қарыз шарттары бойынша – қатарынан күнтізбелік тоқсан күннен асатын ақшалай міндеттемені орындау мерзімін өткізіп алу болған кезде осы Заңның 36-1-бабында белгіленген талаптарды сақтай отырып, банктік қарыз шарты бойынша құқықтарды (талаптарды) басқаға беруге құқылы.

ЗҚАИ-ның ескертпесі!
3) тармақшаның төртінші абзацы 01.05.2026 бастап қолданысқа енгізіледі - ҚР 19.06.2024 № 97-VIII Заңымен (мәтін алып тасталды).

Осы тармақшаның ережелері қарыз алушы-Қазақстан Республикасының азаматына қатысты "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңында көзделген тәртіппен төлем қабілеттілігін қалпына келтіру, соттан тыс немесе сот арқылы банкроттық рәсімін қолдану жағдайларына қолданылмайды;

4) Қазақстан Республикасының заңнамасында және (немесе) банктік қарыз шартында көзделген шараларды қолдануға, оның ішінде сотқа банктік қарыз шарты бойынша борыш сомасын өндіріп алу туралы талап қоюмен жүгінуге, сондай-ақ кепілге қойылған мүлікке соттан тыс тәртіппен ("Жылжымайтын мүлік ипотекасы туралы" Қазақстан Республикасының Заңында көзделген жағдайларды қоспағанда) не сот тәртібімен өндіріп алуды қолдануға;

5) сотқа Қазақстан Республикасының заңнамасына сәйкес қарыз алушы – дара кәсіпкерді, заңды тұлғаны банкрот деп тану туралы талап қоюмен жүгінуге құқылы.

2-2. Мүлкі жеке тұлғаның тұрғын үйімен қамтамасыз етілген, кәсіпкерлік қызметті жүзеге асырумен байланысты емес ипотекалық қарыз шарты бойынша қарыз алушының міндеттемесін қамтамасыз ететін кепіл берушінің "Жылжымайтын мүлік ипотекасы туралы" Қазақстан Республикасының Заңында көзделген тәртіппен берілген жылжымайтын мүлікті дербес өткізу туралы өтінішхатын алған банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым) қарыз алушыға және кепіл берушіге қатысты осы баптың 2 және 2-1-тармақтарында көзделген шараларды тоқтата тұрады.

3. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.
4. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

5. Банкке (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға) берешекті сотқа дейін өндіріп алу және реттеу, сондай-ақ берешекке байланысты ақпарат жинау жөніндегі көрсетілетін қызметтерді коллекторлық агенттік және (немесе) сервистік компания көрсететін жағдайларды қоспағанда, банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) мұндай қызметтерді үшінші тұлғалардан алуына тыйым салынады.

Ескерту. 36-бап жаңа редакцияда - ҚР 24.11.2015 № 422-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); өзгерістер енгізілді - ҚР 26.07.2016 № 12-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік отыз күн өткен соң қолданысқа енгізіледі); 06.05.2017 № 63-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 12.12.2017 № 114-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2018 № 171-VІ (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 21.01.2019 № 217-VI (қолданысқа енгізілу тәртібін 3-баптан қараңыз); 03.07.2019 № 262-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 26.12.2019 № 284-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 26.06.2020 № 349-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2020 № 359-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 30.12.2020 № 397-VI (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (01.01.2021 бастап қолданысқа енгізіледі); 24.05.2021 № 43-VII (01.10.2021 бастап қолданысқа енгізіледі); 31.12.2021 № 100-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 177-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 179-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 20.04.2023 № 226-VII (01.07.2023 бастап қолданысқа енгізіледі); 16.11.2023 № 40-VIII (01.01.2024 бастап қолданысқа енгізіледі); 16.05.2024 № 82-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (қолданысқа енгізілу тәртібін 2-б. қараңыз) Заңдарымен.

36-1-бап. Банктік қарыз шарты бойынша құқықтарды (талаптарды) басқаға беру тәртібі

Ескерту. 36-1-баптың тақырыбы жаңа редакцияда – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.
1. Алып тасталды – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.
2. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.
3. Алып тасталды – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

4. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның құқықтарды (талаптарды) мынадай тұлғаларға:

коллекторлық агенттікке;

банкке;

банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға;

бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымына;

екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымға;

секьюритилендіру мәмілесі кезінде Қазақстан Республикасының жобалық қаржыландыру және секьюритилендіру туралы заңнамасына сәйкес құрылған арнайы қаржы компаниясына;

акцияларының жүз пайызы Қазақстан Республикасының Ұлттық Банкіне тиесілі, жеке тұлғалардың кәсіпкерлік қызметпен байланысты емес ипотекалық қарыздарын сатып алуды жүзеге асыратын тұлғаға;

қаражатты банктерде және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарда шартты түрде орналастыру арқылы жеке кәсіпкерлік субъектілерін қаржыландыру жөніндегі мәміле шеңберінде жасалған банктік қарыз шарты бойынша – жеке кәсіпкерлікті дамытудың арнайы қорына;

жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты банктік қарыз шарты бойынша, заңды тұлғаның банктік қарыз шарты бойынша құқықтарға (талаптарға) қатысты, егер көрсетілген қарыздар бойынша басқаға беру күніне халықаралық қаржылық есептілік стандарттарына сәйкес құнсыздану белгілері болса, өзге тұлғаға беруін қоспағанда, банктік қарыз шарты бойынша құқықтарды (талаптарды) үшінші тұлғаға беруді жүргізуіне тыйым салынады.

Осы тармақтың бірінші бөлігінің оныншы абзацында аталған тұлға банктік қарыз шарты бойынша алынған құқықтарды (талаптарды) мынадай жағдайлардың бірінде:

құқықтар (талаптар) жеке тұлғаның кәсіпкерлік қызметті жүзеге асырумен байланысты банктік қарыз шарты бойынша алынғанда;

құқықтар (талаптар) берешегінің мөлшері басқаға беру күніне республикалық бюджет туралы заңда белгіленген айлық есептік көрсеткіштің 16 500 еселенген мөлшерінен аспайтын заңды тұлғаның банктік қарыз шарты бойынша алынғанда;

егер өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген тұлға Қазақстан Республикасының бейрезиденті болып табылса, сервистік компанияның сенімгерлік басқаруына береді.

Банктік қарыз шарттары бойынша құқықтар (талаптар) мынадай шарттар бір мезгілде орындалған кезде:

1) коллекторлық агенттік жарғылық капиталының, бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымы бас ұйымның меншікті капиталының мөлшері уәкілетті органның нормативтік құқықтық актісінде белгіленген ең аз мәннен төмен емес мәнді құрағанда;

2) қызметті:

банкке немесе банк холдингіне банктің бас банктің күмәнді және үмітсіз активтеріне ие болатын еншілес ұйым құруына рұқсат берілген;

коллекторлық агенттік коллекторлық агенттіктер тізіліміне енгізілген кезден бастап үш жыл бойы жүзеге асырғанда;

3) сервистік компаниялар тізіліміне енгізу күніне уәкілетті орган қолданған орындалмаған және (немесе) қолданыстағы қадағалап ден қою шаралары немесе шектеулі әсер ету шаралары және Қазақстан Республикасының Әкімшілік құқық бұзушылық туралы кодексінің 211-1-бабында және 227-бабының бірінші бөлігінде көзделген әкімшілік құқық бұзушылықтар үшін әкімшілік жазалар болмағанда;

4) сервистік компанияның бірінші басшысында алынбаған немесе жойылмаған сотталғандығы болмағанда;

5) сервистік компания уәкілетті орган белгілеген талаптарға сәйкес келгенде, сервистік компанияға берілуі мүмкін.

Бас банктің күмәнді және үмітсіз активтеріне ие болатын банктің еншілес ұйымдарына және банктік қарыз шарттары бойынша құқықтар (талаптар) сенімгерлік басқаруға берілуі мүмкін сервистік компаниялар ретінде әрекет ететін коллекторлық агенттіктерге қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Уәкілетті орган Қазақстан Республикасы заңнамасының талаптарына сәйкес келетін сервистік компаниялардың тізілімін жүргізеді және оны өзінің интернет-ресурсында орналастырады.

Сервистік компанияны сервистік компаниялар тізілімінен шығару құқықтарды (талаптарды) сенімгерлік басқару шартын бұзу үшін негіз болып табылады.

Банктік қарыз шарты бойынша құқықтар (талаптар) сервистік компанияның сенімгерлік басқаруына берілген жағдайда, осы тармақтың бірінші бөлігінің оныншы абзацында аталған тұлға банктік қарыз шарты бойынша өзіне берілген құқыққа (талапқа) қатысты кредитордың құқықтарын сервистік компаниямен жасалған құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде не оны осы тармақтың бірінші бөлігінде аталған тұлғаларға қайта беру арқылы іске асырады.

Сервистік компаниямен құқықтарды (талаптарды) сенімгерлік басқару шарты бұзылған жағдайда, осы тармақтың бірінші бөлігінің оныншы абзацында аталған тұлға басқа сервистік компаниямен құқықтарды (талаптарды) сенімгерлік басқару шартын жасасуға не құқықтарды (талаптарды) осы тармақтың бірінші бөлігінде аталған тұлғаларға қайта беруге міндетті.

Осы тармақтың талаптары:

1) соңғы сатыдағы қарыз бойынша міндеттемелерді орындау мақсатында банктің құқықты (талапты) Қазақстан Республикасының Ұлттық Банкіне беруі;

2) Қазақстан Республикасының заңнамасына сәйкес ерікті сақтандыру шарттары бойынша сақтандыру төлемін жүзеге асыруға байланысты құқықтардың (талаптардың) суброгация тәртібімен Қазақстанның Экспорттық-кредиттік агенттігіне өтуі жағдайларына қолданылмайды.

4-1. Басқаға беру күніне халықаралық қаржылық есептілік стандарттарына сәйкес құнсыздану белгілері бар банктік қарыз шарты бойынша құқықтарды (талаптарды) басқаға беруді банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым мынадай талаптарды сақтай отырып жүзеге асырады:

1) мыналарды:

осы баптың 4-тармағы бірінші бөлігінің жетінші, сегізінші және (немесе) тоғызыншы абзацтарында көрсетілген тұлғаларды;

осы Заңның 61-10, 61-11 және 61-12-баптарында көзделген іс-шаралар шеңберінде жүзеге асырылатын құқықтарды (талаптарды) басқаға беруді қоспағанда, пайдасына банктік қарыз шарты бойынша құқықтар (талаптар) берілетін тұлға банк және микроқаржы активтері сатылатын электрондық сауда алаңында банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жүргізетін, осы құқықтарға (талаптарға) қатысты сауда-саттық нәтижелері бойынша айқындалады;

2) банктік қарыз шарты бойынша құқықтарды (талаптарды) басқаға беру осы баптың 4-тармағында белгіленген шектеулер мен қағидалар сақтала отырып жүзеге асырылады.

Осы тармақтың бірінші бөлігінде белгіленген талаптар бас банктің күмәнді және үмітсіз активтерін сатып алатын банктердің еншілес ұйымдарына қолданылады.

ЗҚАИ-ның ескертпесі!
4-2-тармақтың қолданысы 01.05.2026 дейін тоқтатыла тұрады, тоқтатыла тұру кезеңінде осы редакцияда қолданыста болады - ҚР 19.06.2024 № 97-VIII Заңымен.

4-2. Банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның жеке тұлғаның кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарыз шарты бойынша құқықтарды (талаптарды) коллекторлық агенттікке беруді жүргізуіне тыйым салынады.

5. Егер Қазақстан Республикасының заңдарында немесе банктік қарыз шартында өзгеше көзделмесе, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым банктік қарыз шарты бойынша құқықты (талап етуді) қарыз алушының келісімінсіз басқаға беруге құқылы емес.

5-1. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым мүлік кепілімен қамтамасыз етілген банктік қарыз шарты бойынша құқықты (талапты) осы баптың 4-тармағының бірінші бөлігінде аталған тұлғаларға құқық (талап) берілгенге дейін соңғы алты ай ішінде "Қазақстан Республикасындағы бағалау қызметі туралы" Қазақстан Республикасының Заңына сәйкес бағалаушы жүргізген мүлік құнын бағалаусыз беруге құқылы емес.

6. Бір қарыз алушыға қатысты банктік қарыз шарты бойынша құқықтарды (талаптарды), бұл құқықтар (талаптар) секъюритилендіру мәмілесінің нысанасы болып табылатын жағдайларды қоспағанда, бірнеше тұлғаға беруге жол берілмейді.

7. Банктік қарыз шарты бойынша құқықтарды (талаптарды) басқаға беру шарты (бұдан әрі – басқаға беру шарты) жасалған кезде, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым:

1) басқаға беру шарты жасалғанға дейін кәсіпкерлік қызметті жүзеге асыруға байланысты емес банктік қарыз шарты бойынша қарыз алушы-жеке тұлғаны банктік қарыз шартында көзделген тәсілмен, сондай-ақ ақпараттандыру объектілері арқылы кредитордың көрсетілген банктік қарыз шарты бойынша құқықтарын (талаптарын) үшінші тұлғаға берудің жоспарланып отырғаны туралы, сондай-ақ осындай басқаға беруге байланысты қарыз алушының дербес деректерінің өңделетіні (берілетіні) туралы хабардар етуге;

2) қарыз алушыны (немесе оның уәкілетті өкілін) банктік қарыз шартында көзделген тәсілмен, сондай-ақ ақпараттандыру объектілері арқылы үшінші тұлғаға банктік қарыз шарты бойынша құқықтардың (талаптардың) өтіп кеткені туралы, басқаға беру шарты жасалған күннен бастап күнтізбелік отыз күн ішінде, банктік қарыз шарты бойынша одан әрі төлемдерді үшінші тұлғаға (өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген тұлғаның не банктік қарыз шарты бойынша құқықтар (талаптар) сенімгерлік басқаруға берілген жағдайда – сервистік компанияның атауын, орналасқан жерін және банктік деректемелерін) жүзеге асыру қажеттілігін, банктік қарыз шарты бойынша берілген құқықтардың (талаптардың) көлемін, банктік қарыз шарты бойынша берешектің мөлшері мен құрылымын (негізгі борышты, сыйақыны, комиссияларды, тұрақсыздық айыбын (айыппұлды, өсімпұлды) және төленуге жататын басқа да сомаларды көрсете отырып, хабардар етуге;

3) өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген тұлғаға не сервистік компанияға (банктік қарыз шарты бойынша құқықтар (талаптар) сервистік компанияның сенімгерлік басқаруына берілген жағдайда) мынадай құжаттарды:

банктік қарыз шартын;

кепіл шартын және кепіл затына құқық белгілейтін құжаттарды (банктік қарыз шарты бойынша міндеттемелерді орындау кепілмен қамтамасыз етілген жағдайда);

кепілгерлік немесе кепілдік шартын (банктік қарыз шарты бойынша міндеттемелерді орындау кепілгерлікпен немесе кепілдікпен қамтамасыз етілген жағдайда);

құқықтарды (талаптарды) басқаға беру күніне қарыз алушы берешегінің есеп-қисабын;

қарыз алушымен наразылық хат алмасуды (бар болса);

қарыз алушы-заңды тұлғаның құрылтай құжаттарын, қарыз алушы-жеке тұлғаның жеке басын куәландыратын құжаттың көшірмесін;

қарыз алушының берешекті өтегенін растайтын құжаттарды;

кепілге салынған мүлікті өткізу жөніндегі құжаттарды (бар болса);

басқаға беру шартына сәйкес өзге де құжаттарды беруге міндетті.

Барлық құқықтар (талаптар) қарыз алушыға берілген жағдайда, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым өзіне банктік қарыз шарты бойынша құқық (талап) берілген тұлғаға өздерінде бар барлық құжаттардың түпнұсқаларын береді, ал банктік қарыз шарты бойынша құқықтар (талаптар) сервистік компанияның сенімгерлік басқаруына берілген жағдайда, көрсетілген құжаттардың түпнұсқалары сервистік компанияға беріледі.

Банк (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым), өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген тұлға, сервистік компания банктік қарыз шарты бойынша міндеттемелерді орындауды қамтамасыз ету болып табылатын мүлікке құқық белгілейтін құжаттардың түпнұсқаларын жоғалтқаны үшін Қазақстан Республикасының заңдарында белгіленген жауаптылықта болады.

Құқықтардың (талаптардың) бір бөлігі қарыз алушыға берілген жағдайда, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым осындай құқықтарды (талаптарды) куәландыратын құжаттардың түпнұсқаларын сақтауға және көрсетілген құжаттардың нотариат куәландырған көшірмелерін өзіне банктік қарыз шарты бойынша құқық (талап) ішінара берілген тұлғаға беруге құқылы, ал банктік қарыз шарты бойынша құқықтардың (талаптардың) бір бөлігі сервистік компанияның сенімгерлік басқаруына берілген жағдайда, көрсетілген құжаттардың нотариат куәландырған көшірмелері сервистік компанияға беріледі;

4) басқаға беру шарты жасалғаннан кейін банктік қарыз шарты бойынша берешекті өтеу есебіне алынған ақшаны өзіне банктік қарыз шарты бойынша құқықтар (талаптар) берілген тұлғаның банктік шотына әрбір қарыз алушы бойынша төлемдердің таратып жазылуын бере отырып, аударуға міндетті.

8. Өзіне банктік қарыз шарты бойынша банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның құқығы (талабы) берілген тұлғаның осындай құқықты (талапты) осы бапта көзделген шарттарды сақтамай, қайта беруіне тыйым салынады.

Ескерту. 2-тарау 36-1-баппен толықтырылды - ҚР 06.05.2017 № 63-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 13.05.2020 № 325-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 23.01.2024 54-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (қолданысқа енгізілу тәртібін 2-б. қараңыз) Заңдарымен.

37-бап. Талап қоюдың ескіру мерзімі

Банктердің, бас банктің күмәнді және үмітсіз активтерін сатып алатын банктердің еншілес ұйымдарының, осы Заңның 61-4-бабының 8-тармағында көрсетілген ұйымның, сондай-ақ екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымның қарыз алушыларға банктік қарыз шарттарын орындамағаны және (немесе) тиісінше орындамағаны жөнінде қоятын талабы бойынша талап қоюдың ескіру мерзімі бес жылды құрайды.

Ескерту. 37-бап жаңа редакцияда - ҚР 06.05.2017 № 63-VI Заңымен (01.10.2017 бастап қолданысқа енгізіледі).

38-бап. Төлемдер және ақшалай қаражаттар аударуды жүзеге асыру

1. Банктер Қазақстан Республикасының аумағында төлемдер мен ақша аударымдарын заңдарда белгiлеген тәртiппен жүзеге асырады.

1-1. Екінші деңгейдегі банктер және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар "электрондық үкіметтің" веб-порталы арқылы электрондық нысанда қызметтер көрсеткені үшін төлемақыны қабылдауға және жүргізуге байланысты халыққа көрсетілетін қызметтерді ұсыну үшін өздерінің ақпараттық жүйелерін "электрондық үкіметтің" төлем шлюзімен тікелей немесе банкаралық ақша аудару жүйесі операторының ақпараттық жүйесі арқылы интеграциялауды жүзеге асырады.

1-2. Банктер және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар мемлекеттік кіріс органдарына қосылған құн салығын есепке алу үшін ашылған ағымдағы шоттар бойынша ақпарат беру үшін ақпараттандыру саласындағы уәкілетті орган айқындаған тәртіппен өздерінің ақпараттық жүйелерінің мемлекеттік кіріс органдарының ақпараттық жүйесімен өзара іс-қимылын жүзеге асырады.

2. Ақша және төлемдер аудару тиiстi дәрежеде жүзеге асырылмаған ретте банк Қазақстан Республикасының заңдарына және клиентпен (депозитормен) жасасқан шартқа сәйкес жауапты болады.

3. Ақшаның халықаралық төлемдерін және аударылымдарын банкiлер халықаралық банк тәжiрибесiнде қолданылатын және Қазақстан Республикасының қолданылып жүрген заңдарына қайшы келмейтiн түрлерiнде әдiстер мен тәртiп бойынша жүзеге асырады.

4. Банк төлем құжатының қолдан жасалғандығын растайтын құжаттар болған жағдайда, сондай-ақ олардың қате есептелу фактiсi анықталған жағдайда клиенттердiң (депозиторлардың) шотынан есептелген ақшаны олардың келiсiмiнсiз есептен алып қоюға құқылы.

Ескерту. 38-бапқа өзгерістер енгізілді - ҚР 1997.07.11. № 154 Заңымен, 1999.07.16. № 436 Заңымен; 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 25.12.2017 № 122-VI (01.01.2019 бастап қолданысқа енгізіледі); 02.04.2019 № 241-VI (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

39-бап. Мөлшерлемелер мен тарифтер

1. Сыйақы мөлшерлемелері мен комиссиялар, сондай-ақ банк қызметтерін көрсеткені үшін тарифтерді банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар Қазақстан Республикасының заңдарында белгіленген шектеулерді ескере отырып дербес белгілейді.

2. Жеке тұлғалармен жасалатын банктік қарыз шарттарында, оның ішінде ипотекалық қарыз шарттарында банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар сыйақының тіркелген не құбылмалы мөлшерлемесін белгілейді және қарыз алушының таңдауы бойынша банктік қарыз шартын жасасқан күнгі банк ұсынған қарызды өтеу әдісін көрсетеді.

Уәкілетті органның нормативтік-құқықтық актісінде көзделген жағдайларда банктік қарыз шартын жасасқанға дейін банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым қарызды өтеу әдісін таңдау үшін түрлі әдістермен есептелген қарызды өтеу кестелерінің жобаларын жеке тұлғаға беруге міндетті. Қарыз алушыға банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар жеке тұлғаларға беретін қарыз бойынша тұрақты төлемдерді есептеу әдістемесіне және уәкілетті органның нормативтік-құқықтық актісінде белгіленген осындай қарыздар бойынша сыйақыны есептеуге арналған уақытша базаларға сәйкес банктік қарыз шартында белгіленген кезектілікпен есептелген қарызды өтеу кестелерінің жобалары мынадай өтеу әдістерімен міндетті түрде ұсынылуға тиіс:

сараланған төлем әдісі, бұл ретте банктік қарыз бойынша берешектерді өтеу негізгі борыш бойынша төлемдердің тең сомаларын және негізгі борыштың қалдығы кезеңіне есептелген сыйақыны қамтитын азайтылып отыратын төлемдермен жүзеге асырылады;

аннуитеттік төлем әдісі, бұл ретте банктік қарыз бойынша берешектерді өтеу негізгі борыш бойынша ұлғайтылып отыратын төлемдерді және негізгі борыштың қалдығы кезеңіне есептелген сыйақы бойынша азайтылып отыратын төлемдерді қамтитын банктік қарыздың бүкіл мерзімі ішінде тең төлемдермен жүзеге асырылады. Бірінші және соңғы төлем мөлшерлері басқаларынан ерекшеленуі мүмкін.

Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым қарыз алушыға өздерінің ішкі қағидаларына сәйкес есептелген қарызды өтеудің қосымша әдістерін ұсынуға құқылы.

Сыйақының тіркелген мөлшерлемесі, осы Заңның 34-бабында белгіленген тәртіппен жасалған, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның оны азаю жағына қарай өзгертуі немесе азаю жағына қарай уақытша өзгертуі жағдайларын қоспағанда, біржақты тәртіппен өзгертілуге жатпайды.

Сыйақы мөлшерлемесін азаю жағына қарай уақытша өзгерту деп банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның сыйақы мөлшерлемесінің мөлшерін белгілі бір мерзімге төмендетуі түсініледі, ол мерзім өткеннен кейін сыйақы мөлшерлемесі уақытша өзгеріске дейін қолданыста болған сыйақы мөлшерлемесінің мөлшерінен аспайтын мөлшерде белгіленеді.

Сыйақының тіркелген мөлшерлемесі тараптардың келісуі бойынша шарттың қолданылу мерзімі ішінде сыйақының құбылмалы мөлшерлемесіне өзгеруі мүмкін.

Сыйақының тіркелген мөлшерлемесі тараптардың келісімі бойынша оның шартта айқындалған қолданылу мерзімі аяқталғаннан кейін ұлғаю жағына қарай өзгеруі мүмкін, бірақ ол банктік қарыз шарты жасалған күннен бастап үш жылдан ерте өзгертілмейді. Тараптардың келісімі бойынша сыйақының тіркелген мөлшерлемесінің ұлғаю жағына қарай одан кейінгі әрбір өзгеруі тіркелген мөлшерлеменің қолданылу мерзімі аяқталғаннан кейін мүмкін болады, бірақ сыйақының тіркелген мөлшерлемесінің алдыңғы өзгерген күнінен бастап үш жылдан ерте өзгертілмейді.

Сыйақының құбылмалы мөлшерлемесін есептеу тәртібі, оның қолданылу шарттары уәкілетті органның нормативтік құқықтық актісімен айқындалады.

Банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар банктік қарыз шартын жасасу күніне белгіленген қарызға қызмет көрсету жөніндегі комиссиялар мен тарифтердің мөлшерін және оларды есептеу тәртібін біржақты тәртіппен ұлғаю жағына өзгертуге құқылы емес.

3. Жеке тұлғамен кәсіпкерлік қызметке байланысты емес банктік қарыз шартын жасасқанға дейін банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым жеке тұлғаға комиссиялар мен банктік қарыз беруге және оған қызмет көрсетуге байланысты өзге де төлемдерді алу көзделмейтін кредиттеу шарттарын, сондай-ақ сыйақы мөлшерлемесінен басқа, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қарыз беруге және оған қызмет көрсетуге байланысты және банктік қарыз шартында көзделген комиссиялар мен өзге де төлемдерді алу құқығы көзделетін кредиттеу шарттарын таңдау үшін беруге міндетті.

Банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар банктік қарыз шарттарында қарыз беруге және оған қызмет көрсетуге байланысты алуға жататын барлық комиссиялар мен өзге де төлемдерді, сондай-ақ олардың мөлшерін көрсетуге міндетті және жасалған шарт шеңберінде комиссиялар мен өзге де төлемдердің жаңа түрлерін біржақты тәртіппен енгізуге құқылы емес.

Жеке тұлғаға берілген банктік қарыз беруге және оған қызмет көрсетуге байланысты комиссиялар мен өзге де төлемдердің тізбесі уәкілетті органның нормативтік құқықтық актісімен бекітіледі.

3-1. Банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар тауарларды, жұмыстар мен көрсетілетін қызметтерді сатып алуға жеке тұлғалармен жасалатын, кәсіпкерлік қызметті жүзеге асырумен байланысты емес банктік қарыз шарттары бойынша банктік қарыз беруге және оған қызмет көрсетуге байланысты банктік шотты жүргізгені үшін, сондай-ақ банктік шотқа қарызды есепке жатқызғаны үшін комиссия белгілеуге және алуға құқылы емес.

4. Банктің интернет-ресурсында жеке және заңды тұлғаларға көрсетілетін банктік және өзге де қызметтер үшін мөлшерлемелер мен тарифтер туралы ақпарат орналастырылуға тиіс. Мөлшерлемелер мен тарифтер туралы ақпарат қолданыстағы мөлшерлемелер мен тарифтерге өзгерістердің енгізілу күні туралы мәліметтер, ішкі құжаттың нөмірі және осы өзгерісті қабылдаған орган көрсетіліп, өзекті режимде сақталып тұруға тиіс.

5. Банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар, бір жылға дейінгі мерзімге берілген қарызды алған күннен бастап алты айға дейін, бір жылдан астам мерзімге берілген қарызды алған күннен бастап бір жылға дейін негізгі борышты ішінара мерзімінен бұрын өтеу немесе толық мерзімінен бұрын өтеу жағдайларын қоспағанда, қарыздарды мерзімінен бұрын өтегені үшін тұрақсыздық айыбын немесе айыппұл санкцияларының өзге де түрлерін алуға құқылы емес.

6. Банктердің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың:

1) банктік қарыз шартында көзделген жағдайларда, қарыз алуға және оған қызмет көрсетуге байланысты дәйекті ақпарат беру бойынша қарыз алушы өз міндеттемелерін бұзған;

2) Қазақстан Республикасының Азаматтық кодексінде көзделген жағдайларда, сондай-ақ банктік қарыз шартында көзделген мынадай:

банктің (банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның) алдын ала жазбаша хабарламасын алмай-ақ, акционерлік қоғам (шаруашылық серіктестік) акцияларының (қатысу үлесінің) он және одан да көп пайызын жинақтап алғанда иеленетін қарыз алушы қатысушыларының (акционерлерінің) құрамы өзгерген;

кепіл ұстаушы болып табылатын банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның құжаттар бойынша және кепілге қойылған мүліктің іс жүзінде болуын, көлемін, жай-күйін және сақтау шартын тексеру, сондай-ақ үшінші тұлғалардың қарыз алушының (кепіл берушінің) мүлкіне, оның ішінде банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға кепілге қойылған мүлікке талап қою құқықтарын қарыз алушы және (немесе) кепіл беруші бұзған жағдайларда, банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның міндеттемелердің мерзімінен бұрын орындалуын талап ету құқығы туындаған жағдайларды қоспағанда, заңды тұлғалармен банктік қарыз шартын жасасқан күні белгіленген сыйақы мөлшерлемелерін ұлғайту жағына біржақты тәртіппен өзгертуге құқығы жоқ.

7. Ислам банктерін қоспағанда, банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар анық, жылдық, тиімді, салыстырмалы есептеудегі сыйақы мөлшерлемелерін (нақты құнды) клиенттермен жасалатын шарттарда, сондай-ақ қарыздар мен салымдар бойынша (банкаралықты қоспағанда) сыйақы шамалары туралы ақпаратты таратқанда, оның ішінде оны жариялағанда көрсетуге міндетті.

Қарыздар бойынша жылдық тиімді сыйақы мөлшерлемесінің мөлшері уәкілетті орган мен Қазақстан Республикасы Ұлттық Банкінің бірлескен нормативтік құқықтық актісінде айқындалған шекті мөлшерден аспауға тиіс.

Қарыздар мен салымдар бойынша анық, жылдық, тиімді, салыстырмалы есептеудегі сыйақы мөлшерлемелерін (нақты құнды) есептеу тәртібі уәкілетті органның нормативтік құқықтық актісімен бекітіледі.

Ескерту. 39-бап жаңа редакцияда - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 24.11.2015 № 422-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 21.01.2019 № 217-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

40-бап. Банкпен ерекше қатынастар арқылы байланысты тұлғаларға жеңiлдiкті жағдайлар беруге тыйым салу

1. Банктердің банкпен ерекше қатынастар арқылы байланысты тұлғаларға жеңiлдiкті жағдайлар беруіне тыйым салынады.

Уәкілетті органның нормативтік құқықтық актісінде белгіленген мөлшерден аспайтын мөлшердегі қарыздарды, сондай-ақ банк конгломератының қатысушылары болып табылатын тұлғаларға берілетін қарыздарды қоспағанда, банктердің банкпен ерекше қатынастар арқылы байланысты тұлғаларға қамтамасыз етілмеген қарыздарды (бланктік қарыздарды) беруіне тыйым салынады.

Уәкілетті органның нормативтік құқықтық актісінде белгіленген мөлшерден аспайтын мөлшерде берілетін банктік қарыздарды және осы Заңның 52-5-бабы 1-тармағының 4) және 5) тармақшаларында көзделген, қаржыландыруды қоспағанда, банктердің осы банктердің директорлар кеңесінің мүшелеріне және ірі қатысушыларына қарыздар беруіне тыйым салынады.

2. Банкпен ерекше қатынастар арқылы байланысты тұлғаға жеңiлдiкті жағдайлар беру мәні, мақсаты, ерекшеліктері мен тәуекелі бойынша банк өзімен ерекше қатынастар арқылы байланысты емес тұлғамен жасамайтын мәмілені банкпен ерекше қатынастар арқылы байланысты тұлғамен немесе оның мүддесінде жасауды білдіреді, атап айтқанда:

1) банк операциясын орындағаны үшін үшінші тұлғаларға ұсынылатын шарттарға қарағанда төмен сыйақы және төлем алу;

2) банкпен ерекше қатынастар арқылы байланысты тұлғадан банк тартқан депозиттер мен өзге де қаражат бойынша үшінші тұлғаларға ұсынылатын шарттарға қарағанда жоғары сыйақы төлеу;

3) кепілдерді, кепілдіктерді, кепілгерліктерді немесе міндеттемелердің орындалуын қамтамасыз етудің өзге де тәсілдерін үшінші тұлғалармен жасалатын ұқсас операциялар бойынша талап етiлетiннен төмен мөлшерде қабылдау;

4) сыйақы алу, негізгі борышты және (немесе) банк операциялары үшін өзге де төлемдерді өтеу бойынша үшінші тұлғалармен жасалатын ұқсас операцияларға қарағанда мерзімін көбірек етіп кейінге қалдыруды ұсыну;

5) банкпен ерекше қатынастар арқылы байланысты тұлғаға сатып алынатын мүлікке және (немесе) көрсетілетін қызметтерге құны уәкілетті органның нормативтік құқықтық актісінде белгіленген мөлшерден асатын мәміле немесе мәмілелер жиынтығы бойынша үшінші тұлғаларға осыған ұқсас сатып алынатын мүлік және (немесе) көрсетілетін қызметтер ақысын төлеуге қарағанда жоғары бағамен ақы төлеу;

6) банкпен ерекше қатынастар арқылы байланысты тұлғаға мүлікті осыған осыған ұқсас мүлікті үшінші тұлғаларға сатқаннан төмен немесе нарықтық құнынан төмен құн бойынша сату;

7) банкпен ерекше қатынастар арқылы байланысты тұлғаға бағалы қағаздарды осыған ұқсас бағалы қағаздарды үшінші тұлғаларға сатқаннан төмен немесе нарықтық құнынан төмен құны бойынша сату;

8) уәжді пайымдауды пайдалану жолымен бұрын уәкілетті орган жеңілдікті жағдайлары бар мәмілелерге жатқызған мәмілелерді жасау.

Мәмілелерді жеңілдікті жағдайлары бар мәмілелерге жатқызудың қосымша өлшемшарттары уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

3. Банкпен ерекше қатынастар арқылы байланысты тұлғалар деп мыналар танылады:

1) осы банктің лауазымды адамы немесе басшы қызметкері, өкілеттіктеріне активтерді иеліктен шығару, кепіл нысанасын өзгерту және кепілді тоқтату (борышкердің банк алдында кепілмен қамтамасыз етілген міндеттемелерін өтеу немесе банктің кепілді өндіріп алу жағдайларын қоспағанда) туралы шешімдер, уәкілетті органның нормативтік құқықтық актісінде белгіленгеннен жоғары мөлшерлерде банктік қарыздарды және банк кепілдіктерін беру туралы шешімдер қабылдау кіретін директорлар кеңесі комитеттерінің және тиісті органының басшылары және тұрақты мүшелері, сондай-ақ олардың жұбайлары (зайыптары) және жақын туыстары;

2) осы банктің iрi қатысушысы болып табылатын жеке немесе заңды тұлға не банктің iрi қатысушысының лауазымды адамы, сондай-ақ олардың жұбайы (зайыбы) және жақын туыстары;

3) осы тармақтың 1) және 2) тармақшаларында аталған тұлғалар орналастырылған акциялардың (артықшылықты және сатып алынған акцияларды қоспағанда) немесе жарғылық капиталға қатысу үлестерінің он және одан көп пайызын иеленетін не лауазымды адамдары болып табылатын заңды тұлға;

4) банктің үлестес тұлғалары;

5) уәкілетті органның нормативтік құқықтық актісінде белгіленген, банкпен ерекше қатынастар арқылы байланыстылық белгілеріне сәйкес келетін жеке немесе заңды тұлға.

Уәкілетті орган уәжді пайымдауды пайдалану жолымен жеке немесе заңды тұлғаны банкпен ерекше қатынастар арқылы байланысты тұлғаларға жатқызуға құқылы. Бұл жағдайда банк уәкілетті органның қадағалап ден қоюдың тиісті шарасын алған күннен бастап банк осы жеке немесе заңды тұлғаны онымен ерекше қатынастар арқылы байланысты тұлға деп таниды.

Тәуелсіз директор, банктің акционері болып табылатын ұлттық басқарушы холдинг және акцияларының (жарғылық капиталға қатысу үлестерінің) он және одан көп пайызы осындай ұлттық басқарушы холдингке тиесілі заңды тұлғалар, сондай-ақ банктің тәуелсіз директор болып табылатын лауазымды адамы басқару органдарында тәуелсіз директор болып табылатын заңды тұлғалар, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйым және акционері Қазақстан Республикасының Ұлттық Банкі болып табылатын сауда-саттықты ұйымдастырушы, егер банктің лауазымды адамы осы ұйымдарда лауазымды адам болып табылған жағдайда, сондай-ақ уәкілетті органның нормативтік құқықтық актісінде айқындалған өзге де тұлғалар осы баптың мақсаттары үшін банкпен ерекше қатынастар арқылы байланысты тұлғалар деп танылмайды.

Қазақстан Республикасы бейрезидент-банкінің филиалымен ерекше қатынастар арқылы байланысты тұлғаларды тану мақсаттары үшін:

осы тармақтың бірінші бөлігінің 1) тармақшасында банк деп Қазақстан Республикасы бейрезидент-банкінің филиалы және (немесе) Қазақстан Республикасының бейрезидент-банкі түсініледі;

осы тармақтың бірінші бөлігінің 2) тармақшасында банк деп Қазақстан Республикасының бейрезидент-банкі түсініледі;

осы тармақтың бірінші бөлігінің 4) және 5) тармақшаларында банк деп Қазақстан Республикасы бейрезидент-банкінің филиалы түсініледі.

4. Банк қандай да бір тұлғамен құны уәкілетті органның нормативтік құқықтық актісінде белгіленген мөлшерден асатын және:

банкпен ерекше қатынастар арқылы байланысты тұлға алдындағы міндеттемелерге ақы төлеуге;

банкпен ерекше қатынастар арқылы байланысты тұлғадан қандай да бір мүлікті сатып алуға;

банктің меншігіндегі бағалы қағаздарды қоспағанда, банкпен ерекше қатынастар арқылы байланысты тұлға эмиссиялаған бағалы қағаздарды сатып алуға алып келетін мәмілені жасаса алмайды.

5. Банкпен ерекше қатынастар арқылы байланысты тұлғамен мәміле, банктің директорлар кеңесі осындай мәмілелердің үлгілік шарттарын бекіткен және үшінші тұлғалармен жасалған ұқсас мәмілелерге қолданылатын жағдайларды қоспағанда, осы баптың 1-тармағының талаптары ескеріле отырып, банктің директорлар кеңесінің шешімімен ғана жасалуы мүмкін.

Банктің бас банктің күмәнді және үмітсіз активтерін сатып алатын еншілес ұйымдарын қоспағанда, банкпен ерекше қатынастар арқылы байланысты тұлғаларға (тұлғаларда) берiлген (орналастырылған) активтерге қатысты талап ету құқықтарынан бас тарту акционерлердiң жалпы жиналысын кейiннен хабардар ете отырып жүзеге асырылады.

Осы баптың 3-тармағында аталған тұлға банк пен:

оның өзі;

кез келген жақын туысы немесе өзінің жұбайы (зайыбы);

өзі немесе жақын туыстарының бірі, жұбайы (зайыбы) лауазымды адамы (тәуелсіз директорды қоспағанда) немесе ірі қатысушысы болып табылатын кез келген заңды тұлға арасындағы кез келген мәміле бойынша шешімдерді қарауға және қабылдауға қатыспауға тиіс.

Банк және банкпен ерекше қатынастар арқылы байланысты тұлға арасындағы кез келген мәміле бойынша директорлар кеңесінің шешімі директорлар кеңесі оның барлық шарттарын қарағаннан кейін ғана қабылдануы мүмкін.

Осы тармақтың және осы баптың 1-тармағының талаптарын Қазақстан Республикасы бейрезидент-банкінің филиалына қолдану мақсаттары үшін банктің директорлар кеңесі деп Қазақстан Республикасы бейрезидент-банкінің тиісті басқару органы түсініледі.

6. Банк банкпен ерекше қатынастар арқылы байланысты тұлғалар туралы, сондай-ақ осы тұлғалармен жасалған барлық мәмілелер туралы ақпаратты уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актісінде көзделген тәртіппен, мерзімдерде және нысандар бойынша Қазақстан Республикасының Ұлттық Банкіне беруге міндетті.

7. Осы баптың талаптары банк холдингтеріне және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға қолданылады.

Банк конгломератымен ерекше қатынастар арқылы байланысты тұлғалардың тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

8. Осы баптың 1, 2 және 4-тармақтарының талаптары осы Заңның 11-2-бабында айқындалған шарттарда құрылған (сатып алынған) еншілес ұйым бас банкпен немесе банк конгломератының құрамына кіретін еншілес ұйыммен жасайтын мәмілелерге қолданылмайды.

Осы баптың 4-тармағының талаптары банктің осы Заңның 11-2-бабында айқындалған шарттарда құрылған (сатып алынған) еншілес ұйымынан және (немесе) еншілес банктің еншілес ұйымынан мүлікті сатып алуға алып келетін, банктің үшінші тұлғалармен жасаған мәмілелеріне де қолданылмайды.

9. Осы баптың талаптары мынадай шарттардың бірі орындалған кезде:

тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ банк холдингі, банк холдингінің белгілері бар тұлға шыққан елдің қаржылық қадағалау органының көрсетілген Қазақстан Республикасының бейрезидент-тұлғаларының шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болса;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің талап етілетін ең төмен рейтингі болса, банк холдингі, банк холдингінің белгілері бар тұлға болып табылатын Қазақстан Республикасының бейрезиденттеріне қолданылмайды. Ең төмен рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Ескерту. 40-бап жаңа редакцияда – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.
ЗҚАИ-ның ескертпесі!
40-1-бап жаңа редакцияда көзделген – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) Заңымен.

40-1-бап. Банк омбудсманы, оның мәртебесі және оны сайлау тәртібі

1. Қарыз алушының және банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның құқықтарын және заңмен қорғалатын мүдделерін қанағаттандыру туралы келісімге қол жеткізу мақсатында, сондай-ақ, осы баптың 1-1-тармағында көзделген жағдайларда банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның және қарыз алушы - жеке тұлға арасындағы ипотекалық қарыз шартынан туындайтын келіспеушіліктерді оның өтініші бойынша реттеуді жүзеге асыратын, өз қызметінде тәуелсіз жеке тұлға банк омбудсманы болып табылады.

Банк омбудсманы өз қызметінде мынадай:

1) тараптардың тең құқылығы;

2) омбудсманның турашылдығы;

3) банктік және өзге де заңмен қорғалатын құпияны сақтау;

4) тараптардың құқықтарын сақтау және заңмен қорғалатын мүдделерін сыйлау;

5) шешім қабылдау рәсімінің айқындығы мен негізділігі қағидаттарын басшылыққа алады.

1-1. Банк омбудсманы жеке тұлға болып табылатын қарыз алушы және осындай қарыз алушымен жасалған банктік қарыз шарты немесе микрокредит беру туралы шарт бойынша құқық (талап ету) берілген тұлға арасында туындайтын келіспеушіліктерді қарыз алушының жүгінуі негізінде реттеуді жүзеге асырады.

Банктік қарыз шарты немесе микрокредит беру туралы шарт бойынша құқық (талап ету) берілген тұлға өзі банктік қарыз шарты немесе микрокредит беру туралы шарт бойынша міндеттемелерін сатып алған қарыз алушы жүгінген кезде банк омбудсманымен өзара іс-қимыл жасасуға және банк омбудсманы сұратқан кез келген ақпарат пен мәліметтерді беруге міндетті.

2. Банк омбудсманын сайлауды және оның өкілеттігін мерзімінен бұрын тоқтатуды өкілдер кеңесі жүзеге асырады. Өкілдер кеңесі:

1) ипотекалық қарыз беретін әрбір банктен, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымнан;

2) әділет органдарында тіркелген және қаржылық қызметтерді тұтынушылардың құқықтарын іске асыруға және қорғауға бағытталған қызметті жүзеге асыратын, олар болған жағдайда, тұтынушылардың қоғамдық бірлестіктерінің қауымдастығынан (одағынан) және (немесе) тұтынушылардың республикалық қоғамдық бірлестігінен;

3) уәкілетті органнан бір-бір өкілден құрылады.

Өкілдер кеңесінің құрамында ипотекалық қарыз беретін банктердің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың қатысуы міндетті болып табылады және осы Заң мен өкілдер кеңесі бекіткен банк омбудсманының ішкі қағидаларында айқындалған тәртіппен жүзеге асырылады.

3. Өкілдер кеңесінің құзыреті:

1) банк омбудсманы қызметіне сайлау үшін кандидатура ұсыну және оны бекіту;

2) құрылым мен штатты (банк омбудсманының офисін) бекіту;

3) банк омбудсманының қызметін қаржыландыру тәртібін айқындау;

4) осы Заңға сәйкес банк омбудсманының қызметін жүзеге асыруға байланысты өзге де мәселелер.

4. Өкілдер кеңесінің отырысы, егер оған қатысқан өкілдер кеңесінің мүшелері жиынтығында жалпы дауыс санының елу және одан да көп пайызын иеленсе, заңды деп, ал кворум талабы сақталған болып танылады.

Банк омбудсманы кеңестің отырысына қатысқан өкілдер кеңесінің көпшілік даусымен сайланады. Дауыс беру кезінде өкілдер кеңесінің әрбір мүшесі бір дауысқа ие болады. Дауыстар тең болған кезде уәкілетті орган өкілінің даусы шешуші болып табылады.

Банк омбудсманын сайлау мәселесі бойынша дауыс беру құпия тәсілмен жүзеге асырылады. Дауыс беру бюллетенінде банк омбудсманы қызметіне сайлау үшін ұсынылған кандидаттар туралы мынадай ақпарат:

1) тегі, аты, сондай-ақ қалауы бойынша - әкесінің аты;

2) білімі туралы мәлімет;

3) банктерге, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға үлестестігі туралы мәлімет;

4) жұмыс орындары мен атқаратын қызметтері туралы мәлімет;

5) кандидаттардың біліктілігін, жұмыс тәжірибесін растайтын өзге де ақпарат;

6) "жақтаймын" немесе "қарсымын" деген сөздермен білдірілген мәселе бойынша дауыс беру нұсқалары қамтылуға тиіс.

5. Банк омбудсманы екі жыл мерзімге сайланады.

Банк омбудсманының өкілеттігін оның бастамасы бойынша мерзімінен бұрын тоқтату өкілдер кеңесін жазбаша хабардар ету негізінде жүзеге асырылады.

Өкілдер кеңесіне жазбаша хабарлама өкілдер кеңесі бекіткен банк омбудсманының ішкі қағидаларында белгіленген тәртіппен өкілеттігі тоқтатылғанға дейін бір ай бұрын беріледі.

Ескерту. 3-тарау 40-1-баппен толықтырылды - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен; өзгеріс енгізілді - ҚР 06.05.2017 № 63-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі) Заңымен.
ЗҚАИ-ның ескертпесі!
40-2-бап жаңа редакцияда көзделген – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) Заңымен.

40-2-бап. Банк омбудсманына қойылатын талаптар

1. Банк омбудсманы етіп сайлау үшін:

1) жоғары білімі жоқ;

2) мінсіз іскерлік беделі жоқ;

3) қаржылық қызмет көрсету және (немесе) қаржылық қызметтерді реттеу саласындағы жұмыста үш жылдан аз жұмыс өтілі бар;

4) бұрын уәкілетті орган банкті төлемге қабілетсіз банктер санатына жатқызу, банк акцияларын мәжбүрлеп сатып алу, қаржы ұйымын лицензиядан айыру, сондай-ақ Қазақстан Республикасының заңнамасында белгіленген тәртіппен қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы шешім қабылдағанға дейін бір жылдан аспайтын кезеңде қаржы ұйымының басқарушы қызметкері болып табылған адам ұсынылмайды. Осы талап уәкілетті орган банкті төлемге қабілетсіз банктер санатына жатқызу, банк акцияларын мәжбүрлеп сатып алу, қаржы ұйымын лицензиядан айыру, сондай-ақ қаржы ұйымын мәжбүрлеп тарату немесе оны банкрот деп тану туралы шешім қабылдағаннан кейін үш жыл бойы қолданылады.

2. Банк омбудсманының қаржы ұйымдарында және микроқаржылық қызметті жүзеге асыратын ұйымдарда кез келген қызметті атқаруға, банктердің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың үлестес тұлғасы болуға құқығы жоқ.

Ескерту. 3-тарау 40-2-баппен толықтырылды - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен, өзгерістер енгізілді - ҚР 2012.11.26 № 57-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.
ЗҚАИ-ның ескертпесі!
40-3-бап жаңа редакцияда көзделген – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) Заңымен.

40-3-бап. Банк омбудсманының шешім қабылдау тәртібі

1. Банк омбудсманы шешімді жеке-дара қабылдайды және ол дауға қатысушы тараптардың назарына жазбаша нысанда жеткізіледі.

Банк омбудсманы шешім қабылдау кезінде Қазақстан Республикасының заңнамасын және жасалған шарттардың талаптарын басшылыққа алады.

2. Банк омбудсманы мынадай:

сот қарауға қабылдаған және (немесе) олар бойынша заңды күшіне енген сот шешімі бар;

өтініш беруші адам ипотекалық қарыз шарты шеңберінде туындаған жағдайды реттеу мақсатында оның банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға жазған өтінішінің жазбаша дәлелдемесін ұсынбаған;

істің жаңа мән-жайлары болмаған кезде қайтадан жіберілген;

сомасы жиырма мың айлық есептік көрсеткіштен асатын ипотекалық қарыз шарты бойынша өтініштерді қарамайды.

Осы тармақтың талаптары осы Заңның 40-1-бабы 1-1-тармағының бірінші бөлігінде көзделген жағдайда қарыз алушының – жеке тұлғаның жүгінуіне қолданылады.

3. Банк омбудсманының шешімі, қарыз алушы оны қабылдаған жағдайда, банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым үшін міндетті.

Банк омбудсманының шешімімен келіспеген жағдайда мүдделі тарап өз құқықтарын қорғау үшін сотқа жүгінуге құқылы.

4. Қарыз алушы – жеке тұлғалардың ипотекалық қарыз шарттары жөніндегі міндеттемелерді орындау шарттарын өзгертуге қатысты өтініштері бойынша банк омбудсманы тараптардың осы бапта көзделген шешімді қабылдамай-ақ, кездесулер өткізу және ұсынымдар беру жолымен өзара қолайлы шешімге қол жеткізуіне жәрдемдеседі.

Осы Заңның 40-1-бабының 1-1-тармағында көзделген жағдайда қарыз алушының – жеке тұлғаның жүгінуі бойынша банк омбудсманы тараптардың осы бапта көзделген шешімді қабылдамай-ақ, кездесулер өткізу және ұсынымдар беру арқылы өзара қолайлы нәтижеге қол жеткізуіне жәрдемдеседі.

Өтінішті қарау нәтижелері мүдделі тараптар немесе олардың өкілдері қол қоятын хаттамамен ресімделіп, қарыз алушының және банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банктік қарыз шарты немесе микрокредит беру туралы шарт бойынша құқық (талап ету) берілген тұлғаның назарына жеткізіледі.

Ескерту. 3-тарау 40-3-баппен толықтырылды - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 06.05.2017 № 63-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі) Заңдарымен.
ЗҚАИ-ның ескертпесі!
40-4-бап жаңа редакцияда көзделген – ҚР 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі) Заңымен.

40-4-бап. Банк омбудсманының қызметі

1. Банк омбудсманының қызметі, оның ішінде дауларды шешу бойынша өтініштерді қарау және шешімдер қабылдау тәртібі мен мерзімдері уәкілетті органмен келісілген және өкілдер кеңесі бекіткен ішкі қағидалар негізінде жүзеге асырылады.

2. Жүктелген функцияларды тиісінше орындау мақсатында банк омбудсманының қызметі өкілдер кеңесіне кіретін банктер мен банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың міндетті жарналары есебінен қаржыландырылады. Банк омбудсманы өкілдер кеңесімен келісім бойынша құрылым мен штат (банк омбудсманының офисін) құруға құқылы.

3. Банк омбудсманы дауларды шешу барысында алынған ақпаратқа қатысты құпиялылықты сақтауға және оны үшінші тұлғаларға жария етпеуге міндетті.

Банк омбудсманы өз функцияларын жүзеге асыру барысында алынған мәліметтерді жария еткені үшін Қазақстан Республикасының заңдарында белгіленген жауаптылықта болады.

Банк омбудсманы осы баптың 1-тармағында және осы тармақта көзделген талаптарды орындамаған жағдайда, өкілдер кеңесі оның өкілеттігін мерзімінен бұрын тоқтатады.

Ескерту. 3-тарау 40-4-баппен толықтырылды - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

40-5-бап. Тәуекелдерді басқару мен ішкі бақылау жүйесі

1. Банктер тәуекелдерді басқару мен ішкі бақылау жүйесін қалыптастырады, ол:

1) банктің директорлар кеңесінің, басқармасының, бөлімшелерінің тәуекелдерді басқару және ішкі бақылау жөніндегі өкілеттіктері мен функционалдық міндеттерін, олардың жауапкершілігін;

2) тәуекелдерді басқару және ішкі бақылау жөніндегі ішкі саясат пен рәсімдерді;

3) банк операцияларының жекелеген түрлері бойынша тәуекелдердің жол берілетін мөлшеріне арналған лимиттерді;

4) банк органдарына тәуекелдерді басқару және ішкі бақылау жөніндегі есептілікті ұсынудың ішкі рәсімдерін;

5) тәуекелдерді басқару жүйесінің тиімділігін бағалаудың ішкі критерийлерін қамтуға тиіс.

Тәуекелдерді басқару мен ішкі бақылау жүйесін қалыптастыру тәртібі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

2. Банк конгломератының уәкілетті органның нормативтік құқықтық актілерінде белгіленген талаптарға сай келетін тәуекелдерді басқару мен ішкі бақылау жүйесі болуға тиіс.

Банк конгломератының бас ұйымы тәуекелдерді басқару мен ішкі бақылау жүйесіне қойылатын талаптардың сақталуын шоғырландырылған негізде қамтамасыз етеді.

Банк конгломератының бас ұйымы тәуекелдерді басқару мен ішкі бақылау жүйесіне қойылатын талаптарды банк конгломераты қатысушыларының сақтауы үшін жауаптылықта болады.

3. Уәкілетті орган тәуекелдерді басқару және ішкі бақылау жүйесінің осы бапта белгіленген талаптарға сәйкестігін бағалауды жүзеге асырады.

Ескерту. 3-тарау 40-5-баппен толықтырылды - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

4-тарау. Банктердің қызметін реттеу

Ескерту. 4-тараудың тақырыбы жаңа редакцияда - ҚР 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

41-бап. Банктерге және олардың лауазымды адамдарына қолданылатын шаралар. Банктiк реттеу тәсiлдерi

Банкiлердiң қаржы тұрақтылығын қамтамасыз ету, олардың депозиторларының мүдделерiн қорғау, сондай-ақ Қазақстан Республикасының ақша-несие жүйесiнiң тұрақтылығын ұстап тұру мақсатында уәкiлеттi орган банкiлердiң қызметiн реттеудi, соның iшiнде:

күдiктi және сенiмсiз активтерге қарсы провизияларды қоса, пруденциалдық қалыптарды және банкiлер сақтауға мiндеттi басқа да нормалар мен лимиттердi белгiлеу;

банкiлер орындауға мiндеттi нормативтiк құқықтық құжаттарды басып шығару;

банкiлердiң қызметiн тексеру;

қадағалап ден қою шараларын қолдану;

санкциялар салу арқылы реттеудi жүзеге асырады.

Банктердің қызметін реттеу жекелеген банктерге қатысты да, шоғырландырылған негізде де, яғни банк конгломератына қатысты да жүзеге асырылады. Шоғырландырылған қадағалау ережелерін уәкiлеттi орган белгілейді.

Ескерту. 41-бапқа өзгерту енгізілді - Қазақстан Республикасының 1997.07.11. № 154 Заңымен, 1999.07.16. № 436 Заңымен, 2001.03.02. № 162 Заңымен, 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен, 2005.07.08. № 69 Заңымен, 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.01.31 № 125 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

42-бап. Пруденциалдық қалыптар және сақталуға мiндеттi өзге де нормалар мен лимиттер

1. Банкiлер мiндеттi түрде сақтау үшiн уәкiлеттi орган белгiлейтiн пруденциалдық қалыптардың құрамына:

банкiнiң жарғылық капиталының ең төменгi мөлшерi;

банктің меншікті капиталының ең төменгі мөлшері;

өз капиталы жеткiлiктiлiгiнің коэффицентi;

бiр қарыз алушыға жасалатын тәуекелдiң ең көп мөлшерi;

өтiмдiлiк коэффицентi;

ашық валюталық позиция лимиттерi;

қарыз алушының борыштық жүктемесінің коэффициенті;

қарыз алушының кірісіне қатысты борыш коэффициенті енеді.

Банк конгломераттары міндетті түрде сақтау үшін уәкiлеттi орган белгілейтін пруденциалдық нормативтердің құрамына:

жарғылық капиталдың ең аз мөлшері;

өз капиталы жеткіліктілігінің коэффиценті;

бір қарыз алушыға жасалатын тәуекелдің ең көп мөлшері енеді.

Уәкiлеттi орган халықаралық банк тәжiрибесiнде пайдаланылатын қосымша пруденциалдық қалыптар және өзге де орындалуы мiндеттi нормалар мен лимиттер белгiлеуге құқылы.

Уәкiлеттi орган Қазақстан Республикасының банк заңнамасына сәйкес банктерді және (немесе) банк холдингтерін не олардың лауазымды адамдарын және (немесе) банктің ірі қатысушыларын пруденциалдық нормативтерді және (немесе) сақталуға міндетті өзге де нормалар мен лимиттерді банктің бұзғаны үшін жауапқа тарту жөнінде шаралар қолданады.

Уәкілетті орган банк холдингі жоқ банктерге және банк конгломераттарына жекелеген пруденциялық нормативтер мен аталған банкке және банк конгломератына тән тәуекел факторларының ықтимал ең жоғары өзгерістері кезінде туындайтын әлеуетті қомақты шығындардың орнын толтыру үшін жеткілікті деңгейдегі олардың нормативтік мәнін белгілеуге құқылы.

1-1. Ислам банктері үшін пруденциалдық нормативтер және сақталуға міндетті өзге де нормалар мен лимиттер, олардың нормативтік мәндері және оларды есептеу әдістемесі ислам банктерінің банктік қызметті жүзеге асыруының осы Заңда көзделген ерекшеліктері ескеріле отырып, уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Ислам банктерінің пруденциялық нормативтерді орындауы туралы есептіліктің тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзімдері мен тәртібі уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актісінде белгіленеді.

2. Банктiң қаржы жағдайының қойылатын талаптарға сәйкестiгi туралы мәселенi шешу мақсатында уәкiлеттi орган белгiлi бiр күнге банк және банк тобы капиталының мөлшерiн белгiлеуге құқылы.

3. Банктің және банк конгломератының пруденциялық нормативтерінің және сақталуы міндетті өзге де нормалары мен лимиттерінің нормативтік мәндері мен оларды есептеу әдістемелері, капиталының мөлшері, ашық валюталық позицияны есептеу тәртібі мен оның лимиттері уәкiлеттi органның нормативтік құқықтық актілерінде белгiленедi.

Банктердің және банк конгломераттарының пруденциялық нормативтерді орындауы туралы есептіліктің тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзімдері мен тәртібі уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленеді.

3-1. Банк немесе банк конгломератының қатысушысы уәкілетті органның қаржы және (немесе) өзге де есептілік деректерін түзету жөнінде жазбаша нұсқамада көрсетілген талаптарын орындамаған жағдайда, пруденциалдық нормативтердің және басқа міндетті нормалар мен лимиттердің есебін уәкілетті орган өзі түзеткен есептілік негізінде жүзеге асырады.

4. Банк, банк конгломераты уәкiлеттi органның нормативтік құқықтық актілерімен белгіленген өз капиталы жеткіліктілігінің коэффициентін бұзған жағдайда, банк, банк холдингі уәкiлеттi органға қайта капиталдандыру жоспарын жіберуі тиіс. Жоспарды бұзушылықтарды жою жөніндегі іс-шараларды және олардың мерзімін егжей-тегжейлі көрсете отырып, өз капиталы жеткіліктілігінің коэффициентін бұзған күннен бастап бір айдың ішінде ұсыну қажет.

5. Банк холдингтері, сондай-ақ банктің ірі қатысушылары уәкілетті органның нормативтік құқықтық актілерінде көзделген банктің және банк конгломератының меншікті капиталының жеткіліктілігі коэффициенттерін қолдау жөнінде шаралар қабылдауға міндетті.

Банктің немесе банк конгломератының қаржылық жай-күйі нашарлаған жағдайда, банк холдингі, банктің ірі қатысушысы уәкілетті органның талабы бойынша банктің немесе банк конгломератының қаржылық жай-күйін жақсарту, оның ішінде банктің немесе банк конгломератының қаржылық тұрақтылығын қамтамасыз етуге жеткілікті мөлшерде банктің және банк конгломератының меншікті капиталын ұлғайту жөнінде шаралар қолдануға міндетті.

Осы тармақта көзделген талаптар орындалмаған кезде, уәкілетті орган банк холдингіне, банктің ірі қатысушысына осы Заңның 47-1-бабында көзделген қадағалап ден қоюдың мәжбүрлеу шараларын қолдануға құқылы.

6. Уәкілетті орган қаржы жүйесінің тұтастығы мен тұрақтылығын қамтамасыз ету, депозиторлар мен кредиторлардың заңды мүдделерін қорғау мақсатында Қазақстан Республикасы бейрезидент-банкінің филиалы үшін пруденциялық нормативтерді және сақталуы міндетті өзге де нормалар мен лимиттерді белгілейді.

Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық орнықтылығын қамтамасыз ету мақсатында Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданатын активтерін қалыптастырады.

Қазақстан Республикасы бейрезидент-банктері филиалдарының (оның ішінде Қазақстан Республикасы бейрезидент-ислам банктері филиалдарының) резерв ретінде қабылданатын активтерін қалыптастыру тәртібін және олардың ең төмен мөлшерін қоса алғанда, Қазақстан Республикасы бейрезидент-банктерінің филиалдары (оның ішінде Қазақстан Республикасы бейрезидент-ислам банктерінің филиалдары) үшін пруденциалдық нормативтер және сақталуы міндетті өзге де нормалар мен лимиттер, олардың нормативтік мәндері және есептеу әдістемесі уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

Қазақстан Республикасы бейрезидент-банктері филиалдарының (оның ішінде Қазақстан Республикасы бейрезидент-ислам банктері филиалдарының) пруденциалдық нормативтерді орындауы туралы есептілік тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзімдері мен тәртібі уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленеді.

Уәкілетті орган Қазақстан Республикасы бейрезидент-банкі филиалының пруденциялық нормативтерді және (немесе) сақталуы міндетті өзге де нормалар мен лимиттерді бұзғаны үшін Қазақстан Республикасының банк заңнамасына сәйкес Қазақстан Республикасы бейрезидент-банкінің филиалын жауаптылыққа тарту жөнінде шаралар қабылдайды.

Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық жағдайының қойылатын талаптарға сәйкестігі туралы мәселені шешу мақсатында уәкілетті орган Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданатын активтерінің белгілі бір күнгі мөлшерін айқындауға құқылы.

Қазақстан Республикасы бейрезидент-банкінің филиалы уәкілетті органның жазбаша нұсқамада көрсетілген бухгалтерлік есепке алу деректері бойынша есептіліктегі және (немесе) өзге де есептіліктегі деректерді түзету жөніндегі талаптарын орындамаған кезде пруденциялық нормативтерді және басқа да міндетті нормалар мен лимиттерді есептеуді уәкілетті орган өзі түзеткен есептілік негізінде жүзеге асырады.

Қазақстан Республикасы бейрезидент-банкінің филиалы уәкілетті органның нормативтік құқықтық актісінде белгіленген, резерв ретінде қабылданатын активтердің жеткіліктілік коэффициентін бұзған жағдайда, Қазақстан Республикасы бейрезидент-банкінің филиалы уәкілетті органға қайта капиталдандыру жоспарын жіберуге тиіс. Жоспарды резерв ретінде қабылданатын активтердің жеткіліктілік коэффициенті бұзылған күннен бастап бір ай ішінде, бұзушылықтарды жою жөніндегі іс-шаралар мен мерзімдерді егжей-тегжейлі сипаттай отырып ұсыну қажет.

Қазақстан Республикасының бейрезидент-банкі уәкілетті органның нормативтік құқықтық актісінде көзделген, Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданатын активтерінің жеткіліктілік коэффициентін қолдау жөніндегі шараларды қабылдауға міндетті.

Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық жағдайы нашарлаған жағдайда, Қазақстан Республикасының бейрезидент-банкі уәкілетті органның талап етуі бойынша Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық жағдайын жақсарту, оның ішінде Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданатын активтерін Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық орнықтылығын қамтамасыз етуге жеткілікті мөлшерде ұлғайту жөнінде шаралар қабылдауға міндетті.

Ескерту. 42-бапқа өзгерістер енгізілді - ҚР 1996.12.07. № 50 Заңымен , 1997.07.11. № 154 Заңымен , 1999.07.16. № 436 Заңымен , 2001.03.02. № 162 Заңымен , 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен , 2005.07.08. № 69 Заңымен , 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.02.19. № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (16.12.2020 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

43-бап. Провизиялар (резервтер)

1. алып тасталды - ҚР 25.12.2017 № 122-VI Заңымен (01.01.2018 бастап қолданысқа енгізіледі).

2. Жүргiзiлiп жатқан операциялардың сипаты мен ауқымына сәйкес өз қызметiн бақылаудың тиiстi деңгейін және оның сенімдiлiгiн қамтамасыз ету мақсатында банктер халықаралық қаржылық есептілік стандарттарына сәйкес провизиялар (резервтер) құруға міндетті.

3. Уәкілетті орган банк құрған провизиялардың (резервтердің) жеткіліктілігін бағалауды, оның ішінде уәжді пайымдауды пайдалана отырып бағалауды халықаралық қаржылық есептілік стандарттарына сәйкестігі, олардың сақталуы және қолданылуы тұрғысынан жүзеге асырады.

Ескерту. 43-бап жаңа редакцияда - ҚР 2012.12.26 № 61-V (2013.01.01 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 12.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

44-бап. Банктердің, банктердің ірі қатысушыларының, банк холдингтерінің және банк конгломератына қатысушылардың қызметiн тексеру

Ескерту. 44-баптың тақырыбына өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

1. Банктердің, банктердің ірі қатысушыларының, банк холдингтерінің және банк конгломератына қатысушылардың қызметiн тексеруді уәкілетті орган дербес не басқа мемлекеттік органдарды және (немесе) ұйымдарды тарта отырып жүргiзедi.

Уәкiлеттi орган банктердің және (немесе) банк конгломераттарына қатысушылардың (банк холдингтерін қоспағанда) қызметіне тексеру жүргізген кезде банктердің үлестес тұлғаларының қызметін тек қана олардың банктердің қызметіне ықпал ету дәрежесі мен сипатын айқындау мақсатында тексеруге құқылы.

2. Банктер, банктердің ірі қатысушылары, банк холдингтері, банк конгломератына қатысушылар, сондай-ақ олардың үлестес тұлғалары уәкiлеттi органның тексеру жөнiндегi тапсырмасында көрсетiлген мәселелер бойынша тексерушi органға жәрдем көрсетуге, сондай-ақ кез келген лауазымды адамдар мен қызметкерлерге сауал қою мүмкiндiгiн және тексерудi орындау үшiн қажеттi кез келген ақпарат көздерiне қол жеткізуін қамтамасыз етуге мiндеттi.

3. Уәкiлеттi органның қызметкерлерiне банктердің, банктердің ірі қатысушыларының, банк холдингтерінің және банк конгломератына қатысушылардың қызметiн тексеру барысында алынған мәлiметтердi жария етуіне не үшiншi тұлғаларға беруіне тыйым салынады.

4. Тексерудi жүзеге асырушы адамдар банктердің, банктердің ірі қатысушыларының, банк холдингтерінің, банк конгломератына қатысушылардың қызметiн тексеру барысында алынған және банктік не коммерциялық құпия болып табылатын мәлiметтердi жария еткенi үшiн жауаптылықта болады.

5. Осы баптың 1 және 2-тармақтарының талаптары мына талаптардың бірі орындалған:

тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ банктің ірі қатысушысы – заңды тұлға, банк холдингі, банктің ірі қатысушысының немесе банк холдингінің белгілеріне ие тұлға шыққан елдің қаржылық қадағалау органының көрсетілген Қазақстан Республикасының резиденттері емес тұлғалардың шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банктің ірі қатысушысы – заңды тұлға, банк холдингі, банктің ірі қатысушысының немесе, банк холдингінің белгілеріне ие тұлға болып табылатын Қазақстан Республикасының резиденті еместерге қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді.

6. Қазақстан Республикасы бейрезидент-банкі филиалының қызметіне тексеру жүргізген кезде уәкілетті орган осы Заңның 13-1-бабы 1-тармағының 3) тармақшасында көрсетілген келісім шеңберінде Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органынан Қазақстан Республикасы бейрезидент-банкінің қызметі туралы ақпаратты алуға құқылы.

Ескерту. 44-бап жаңа редакцияда - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), өзгеріс енгізілді - ҚР 2012.12.26 № 61-V (2012.02.04 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

45-бап. Ертерек ден қою шаралары

1. Уәкілетті орган банктердің депозиторлары мен кредиторларының заңды мүдделерін қорғау, банктің қаржылық орнықтылығын қамтамасыз ету, оның қаржылық жай-күйінің нашарлауына және банк қызметіне байланысты тәуекелдердің ұлғаюына жол бермеу мақсатында банктің қаржылық жай-күйінің нашарлауына әсер ететін факторларды анықтау үшін банктердің қызметін талдауды жүзеге асырады. Банктің қаржылық жай-күйінің нашарлауына әсер ететін факторлар уәкілетті органның нормативтік-құқықтық актісінде белгіленеді.

2. Уәкілетті орган банк конгломератының қаржылық орнықтылығын қамтамасыз ету, оның қаржылық жай-күйінің нашарлауына және банк конгломератының қызметіне байланысты тәуекелдердің ұлғаюына жол бермеу мақсатында, банк конгломератының қаржылық жай-күйінің нашарлауына әсер ететін факторларды анықтау үшін банк конгломератының қызметін талдауды жүзеге асырады.

Банк конгломератының қаржылық жай-күйінің нашарлауына әсер ететін факторлар уәкілетті органның нормативтік-құқықтық актісінде белгіленеді.

3. Банктің қаржылық жағдайына талдау жасаудың нәтижесінде және (немесе) оны тексеру қорытындылары бойынша осы баптың 1-тармағында көрсетілген факторлар анықталған жағдайда уәкілетті орган банкке және (немесе) оның акционерлеріне банктің қаржылық тұрақтылығын арттыру, оның қаржылық жай-күйінің нашарлауына және банк қызметімен байланысты тәуекелдердің ұлғаюына жол бермеу жөніндегі ертерек ден қою шаралары көзделетін іс-шаралар жоспарын ұсыну жөнінде жазбаша нысанда талап жібереді.

Банк және (немесе) оның акционерлері көрсетілген талапты алған күннен бастап бес жұмыс күнінен аспайтын мерзімде іс-шаралар жоспарын әрбір тармақ бойынша атқарылу мерзімдері мен жауапты басшы қызметкерлерді көрсете отырып әзірлеуге және уәкілетті органға ұсынуға міндетті.

Уәкілетті орган іс-шаралар жоспарын мақұлдаған жағдайда, банк және (немесе) оның акционерлері жоспарда белгіленген мерзімдерде оның орындалу нәтижелері туралы уәкілетті органды хабардар ете отырып, жоспарды іске асыруға кіріседі.

Іс-шаралар жоспары мақұлданбаған кезде, уәкілетті орган банкке және (немесе) оның ірі қатысушыларына (банк холдингтеріне) осы Заңда көзделген қадағалап ден қою шараларын қолданады.

4. Банк конгломератының қаржылық жағдайына талдау жасау нәтижесінде және (немесе) банк холдингін не банк конгломератының қатысушыларын тексеру қорытындылары бойынша осы баптың 2-тармағында көрсетілген факторлар анықталған жағдайда, уәкілетті орган банк холдингіне және (немесе) оның ірі қатысушыларына банк конгломератының қаржылық тұрақтылығын арттыру, оның қаржылық жай-күйінің нашарлауына және банк конгломератының қызметімен байланысты тәуекелдердің ұлғаюына жол бермеу бойынша ертерек ден қою шаралары көзделетін іс-шаралар жоспарын ұсыну жөнінде жазбаша нысанда талап жібереді.

Банк холдингі және (немесе) оның ірі қатысушылары көрсетілген талапты алған күннен бастап бес жұмыс күнінен аспайтын мерзімде іс-шаралар жоспарын әрбір тармақ бойынша атқарылу мерзімдері мен жауапты басшы қызметкерлерді көрсете отырып әзірлеуге және уәкілетті органға ұсынуға міндетті.

Уәкілетті орган іс-шаралар жоспарын мақұлдаған жағдайда, банк холдингі және (немесе) оның ірі қатысушылары жоспарда белгіленген мерзімдерде оның орындалу нәтижелері туралы уәкілетті органды хабардар ете отырып, жоспарды іске асыруға кіріседі.

Іс-шаралар жоспары мақұлданбаған кезде, уәкілетті орган банк холдингіне және (немесе) оның ірі қатысушыларына осы Заңда көзделген қадағалап ден қою шараларын қолданады.

5. Банктің (банк конгломератының) қаржылық тұрақтылығын арттыруға бағытталған іс-шаралар жоспары осы баптың 3 және 4-тармақтарында белгіленген мерзімдерде ұсынылмаған, осы жоспардың іс-шаралары орындалмаған немесе уақтылы орындалмаған жағдайда банкке (банк холдингіне) және (немесе) оның ірі қатысушыларына осы Заңда көзделген қадағалап ден қою шаралары қолданылады.

6. Ерте ден қою шаралары көзделетін іс-шаралар жоспарын мақұлдау тәртібі және банктің (банк конгломератының) қаржылық жай-күйінің нашарлауына әсер ететін факторларды анықтау әдістемесі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

7. Осы баптың талаптары мынадай шарттардың бірі орындалған:

тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингінің, сондай-ақ банк холдингі, банк холдингі белгілерін иеленуші тұлға шыққан елдің қаржылық қадағалау органының аталған Қазақстан Республикасының резиденті емес тұлғалардың шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банк холдингі, банк холдингінің белгілеріне ие тұлға болып табылатын Қазақстан Республикасының резиденті еместерге қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді.

Ескерту. 45-бап жаңа редакцияда - ҚР 2012.12.26 № 61-V (2012.02.04 бастап қолданысқа енгізіледі); өзгерістер енгізілді - ҚР № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңдарымен.

45-1-бап. Қадағалап ден қою шаралары

1. Банк депозиторларының, кредиторларының, клиенттерінің және корреспонденттерінің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың заңды мүдделерін қорғау, банктің және (немесе) банк конгломератының, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қаржылық орнықтылығын қамтамасыз ету, олардың қаржылық жағдайының нашарлауына және банк қызметіне байланысты тәуекелдердің ұлғаюына жол бермеу мақсатында уәкілетті орган банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға, банк холдингіне, олардың басшы қызметкерлеріне, банк конгломератының құрамына кіретін ұйымдарға, банктің iрі қатысушыларына, банктің ірі қатысушысының немесе банк холдингінің белгілері бар тұлғаларға қадағалап ден қою шараларын қолданады.

2. Қадағалап ден қою шараларын қолдануға мыналар негіз болып табылады:

1) уәкілетті органның құзыретіне кіретін мәселелер бойынша Қазақстан Республикасының заңнамасын бұзу;

2) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк конгломератының құрамына кіретін ұйымдардың қызметінде уәкілетті орган бақылау және қадағалау жөніндегі функцияларды жүзеге асыру шеңберінде, оның ішінде уәжді пайымдауды пайдалана отырып анықтаған, банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның тұрақты жұмыс істеуіне және (немесе) олардың депозиторларының және (немесе) кредиторларының және (немесе) клиенттерінің мүдделеріне және (немесе) банк жүйесінің тұрақтылығына қатер төндіретін жағдайдың жасалуына алып келуі мүмкін кемшіліктер және (немесе) тәуекелдер;

3) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк холдингінің басшы қызметкерлерінің олардың тұрақты жұмыс істеуіне және (немесе) олардың депозиторларының, кредиторларының, клиенттері мен корреспонденттерінің мүдделеріне қатер төндіруі мүмкін құқыққа сыйымсыз әрекеттерін немесе әрекетсіздігін анықтау;

4) басшы қызметкердің (басшы қызметкерлердің) әрекеттерін (әрекетсіздігі) уәкілетті органның құзыретіне кіретін мәселелер бойынша Қазақстан Республикасы заңнамасының талаптарына сай келмейді және (немесе) банкке және (немесе) оның депозиторларына, кредиторларына және клиенттеріне залал келтіргені туралы куәландырады деп тану үшін жеткілікті деректер;

5) банктің ірі қатысушысының немесе банк холдингінің белгілері бар тұлғаның, сондай-ақ банктің ірі қатысушысының (оның ішінде, ірі қатысушы бақылау жасайтын ұйымдардың), банк холдингінің немесе банк конгломераты құрамына кіретін заңды тұлғалардың нәтижесінде банкке залал келтірілген немесе келтірілуі мүмкін әрекеттер жасауы;

6) банктің ірі қатысушысының немесе банк холдингінің белгілері бар тұлғалардың, сондай-ақ банктің ірі қатысушыларының (оның ішінде, банктің ірі қатысушысы бақылау жасайтын ұйымдардың), банк холдингінің немесе банк конгломераты құрамына кіретін ұйымдардың қаржылық жағдайының орнықсыздығы;

7) осы Заңға сәйкес бұрын қолданылған қадағалап ден қою шараларын орындамау;

8) уәкiлеттi органға немесе Қазақстан Республикасының Ұлттық Банкіне есептілікті немесе мәліметтерді, сондай-ақ уәкілетті орган немесе Қазақстан Республикасының Ұлттық Банкі сұрататын өзге ақпаратты ұсынбау не оларды анық емес ұсыну;

9) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк холдингінің, банк конгломераты құрамына кіретін ұйымдардың, банктің ірі қатысушыларының тексеру жүргізуге оны белгіленген мерзімдерінде жүргізу мүмкіндігін бермей кедергі келтіруі;

10) банктің, банк холдингінің, өзінде банк және (немесе) банк холдингі ірі қатысушы болып табылатын ұйымның аудиторлық есепте көрсетілген, банктің немесе банк конгломератының қаржылық жағдайына әсер ететін кемшіліктерді осы Заңның 57-бабының 6-тармағында көзделген мерзімдерде жоймауы.

3. Қадағалап ден қою шараларын қолданудың орындылығын айқындау және қадағалап ден қою шарасын таңдау кезінде мыналар ескеріледі:

1) тәуекел деңгейі, бұзушылықтардың және (немесе) кемшіліктердің және олардың салдарларының сипаты;

2) жол берілген бұзушылықтардың және (немесе) кемшіліктердің және олардың салдарларының ауқымы мен маңыздылығы;

3) бұзушылықтардың және (немесе) кемшіліктердің жүйелілігі мен ұзақтығы;

4) жол берілген бұзушылықтардың және (немесе) кемшіліктердің қаржылық жағдайға ықпалы;

5) таңдап алынған қадағалап ден қою шарасын қолдану нәтижесінде жағдайды түзету қабілеті;

6) бұрын қолданылған қадағалап ден қою шараларының болуы және тиімділігі (нәтижелілігі);

7) қолданылатын қадағалап ден қою шарасының оны қолдану негіздеріне барабарлығы;

8) анықталған бұзушылықтардың және (немесе) кемшіліктердің және (немесе) тәуекелдердің туындауына негіз болған себептер;

9) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк холдингінің, банк конгломераты құрамына кіретін ұйымдардың, банктің ірі қатысушысының қызметте анықталған бұзушылықтарды және (немесе) кемшіліктерді жоюға бағытталған дербес шараларды қабылдауы, осыған байланысты қабылданған шараларды іске асыру жөнінде нақты шараларды жүзеге асырудың (жүзеге асырмаудың) тиімділігі және (немесе) осындай шараларды қабылдауға әзірлік.

4. Уәкілетті орган мынадай қадағалап ден қою шараларын қолданады:

1) осы Заңның 45-2-бабына сәйкес қадағалап ден қоюдың ұсынымдық шаралары;

2) осы Заңның 46-бабына сәйкес қаржылық жағдайды жақсарту және (немесе) тәуекелдерді барынша азайту жөніндегі шаралар;

3) осы Заңның 47-1-бабына сәйкес қадағалап ден қоюдың мәжбүрлеу шаралары.

4-1. Қазақстан Республикасының Ұлттық Банкі қызметін Қазақстан Республикасы Ұлттық Банкінің қолма-қол шетел валютасымен айырбастау операцияларына арналған лицензиясы негізінде тек қана айырбастау пункттері арқылы жүзеге асыратын заңды тұлғаларға және банкноттарды, монеталарды және құндылықтарды инкассациялау айрықша қызметі болып табылатын заңды тұлғаларға осы баптың 4-тармағының 1) және 2) тармақшаларында айқындалған қадағалап ден қою шараларын қолданады.

5. Уәкілетті орган банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға, банк холдингіне, банк конгломератының құрамына кіретін ұйымдарға, банктің ірі қатысушыларына бұрын қолданылған қадағалап ден қою шараларына қарамастан, оларға осы баптың 4-тармағында айқындалған қадағалап ден қою шараларының кез келгенін қолдануға құқылы.

6. Қадағалап ден қою шараларын қолдану тәртібі уәкiлеттi органның нормативтік құқықтық актісінде белгіленеді.

7. Осы баптың 1-тармағында аталған тұлға қадағалап ден қою шараларын орындамаған жағдайда, уәкілетті орган атқарушы органның бірінші басшысын немесе осы тұлғаның атқарушы органының функцияларын жеке-дара жүзеге асыратын адамды шеттетуге құқылы.

Атқарушы органның бірінші басшысын немесе осы тұлғаның атқарушы органының функцияларын жеке-дара жүзеге асыратын адамды шеттету туралы ақпаратты уәкілетті орган осы баптың 1-тармағында аталған тұлғаның атына жібереді.

Осы баптың 1-тармағында аталған тұлға атқарушы органның бірінші басшысын немесе атқарушы органның функцияларын жеке-дара жүзеге асыратын адамды шеттету туралы уәкілетті органның шешімін алған кезден бастап алқалы органның шеттетілген адам қатысқан барлық шешімдерін жарамсыз деп есептейді.

Ескерту. Заңды 45-1-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

45-2-бап. Қадағалап ден қоюдың ұсынымдық шаралары

1. Уәкілетті орган банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк конгломератының және (немесе) банк конгломераты құрамына кіретін ұйымдардың, банк холдингінің, банктің ірі қатысушысының қызметінде, оның ішінде уәжді пайымдауды пайдалана отырып анықталған кемшіліктер, тәуекелдер немесе бұзушылықтар банктің және (немесе) банк конгломератының қаржылық орнықтылығына елеулі әсер етпейтін, олардың қаржылық жағдайына және (немесе) банк депозиторларының мүдделеріне қатер төндірмейтін жағдайларда, қадағалап ден қоюдың ұсынымдық шараларын қолданады.

2. Қадағалап ден қоюдың ұсынымдық шаралары мыналарды қамтиды:

1) анықталған кемшіліктер, тәуекелдер немесе бұзушылықтар туралы банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк конгломераты құрамына кіретін ұйымның, банктің ірі қатысушысының, банк холдингінің жекелеген органдарының назарына осы ақпаратты (қажет болған кезде уәкілетті орган айқындайтын) жеткізе отырып, хабардар ету;

2) уәкілетті органның анықталған кемшіліктерді, тәуекелдерді немесе бұзушылықтарды жою жөніндегі ұсынымдарын беру;

3) уәкілетті орган кемшіліктерді, тәуекелдерді немесе бұзушылықтарды қайта анықтаған, сондай-ақ қадағалап ден қоюдың ұсынымдық шаралары орындалмаған жағдайда, қадағалап ден қоюдың өзге шараларын қолдану мүмкіндігі туралы ескерту.

3. Қадағалап ден қоюдың ұсынымдық шарасы уәкілетті органның хатымен ресімделеді.

Ескерту. Заңды 45-2-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

46-бап. Қаржылық жағдайды жақсарту және (немесе) тәуекелдерді барынша азайту жөніндегі шаралар

1. Уәкілетті орган анықталған, оның ішінде уәжді пайымдауды пайдалана отырып анықталған кемшіліктерді, тәуекелдерді немесе бұзушылықтарды жою мақсатында банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның, банк холдингінің, банк конгломератының және (немесе) банк конгломераты құрамына кіретін ұйымдардың, банктің ірі қатысушысының қаржылық жағдайын жақсарту және (немесе) тәуекелдерін барынша азайту жөніндегі шараларды:

1) меншікті капиталдың жеткіліктілік коэффициенттерін және (немесе) өтімділік коэффициенттерін уәкілетті орган белгілеген ең төмен мәндерден жоғары ұстап тұру;

2) банк операцияларының және өзге операциялардың жекелеген түрлерін жүргізуді, жекелеген мәміле түрлерін жасауды тоқтата тұру және (немесе) шектеу не оларды жүзеге асырудың ерекше тәртібін белгілеу;

3) банк активтерінің және (немесе) міндеттемелерінің құрылымын өзгертуді қоса алғанда, оларды қайта құрылымдау;

4) шығыстарды қысқарту, оның ішінде жұмыскерлерді қосымша жалдауды тоқтату немесе шектеу, жекелеген филиалдар мен өкілдіктерді, еншілес ұйымдарды жабу, басшы қызметкерлердің ақшалай сыйақыларын және басқа да материалдық көтермелеу түрлерін шектеу арқылы қысқарту;

5) белгілі бір актив түрлеріне инвестицияларды тоқтата тұру және (немесе) шектеу не оларды жүзеге асырудың ерекше тәртібін белгілеу;

6) халықаралық қаржылық есептілік стандарттары бойынша провизиялар (резервтер) қалыптастыру;

7) жеке немесе заңды тұлғаны банкпен, банк холдингімен, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйыммен ерекше қатынастар арқылы байланысты тұлға деп тану;

8) банкпен, банк холдингімен, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйыммен ерекше қатынастар арқылы байланысты тұлғамен жеңілдікті шарттарда жасалған мәміленің шарттарын жеңілдікті шарттармен мәміле жасалған күні үшінші тұлғалармен жасалған осыған ұқсас мәмілелер шарттарына өзгерту;

9) банкпен, банк холдингімен, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйыммен ерекше қатынастар арқылы байланысты тұлғалармен жасалатын операцияларды шектеу;

10) жай және (немесе) артықшылықты акциялар және (немесе) мерзімсіз қаржы құралдары бойынша дивидендтерді есепке жазуды және (немесе) төлеуді тоқтату;

11) ішкі саясаттар мен рәсімдерді, тәуекелдердің жол берілетін мөлшеріне лимиттерді, тәуекелдерді басқару және ішкі бақылау жүйесінің тиімділігін бағалау рәсімін қайта қарау;

12) осы Заңның 20-бабында және уәкілетті органның тәуекелдерді басқару және ішкі бақылау жүйесін қалыптастыру тәртібін белгілейтін нормативтік құқықтық актісінде аталған адамдарды қызметтік міндеттерін орындаудан шеттету, оның ішінде банк, банк холдингі, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым, Қазақстан Республикасының бейрезидент-банкі осы Заңның 20-бабында аталған адамдарды уәкілетті орган осы қадағалап ден қою шарасын қолданғанға дейін қызметтік міндеттерін орындаудан шеттеткен жағдайда, шеттету жөніндегі талаптарды қою арқылы қолданады. Басшы қызметкерге осы қадағалап ден қою шарасы қолданылған кезде уәкілетті орган басшы қызметкер лауазымына тағайындауға (сайлауға) келісімін кері қайтарып алады;

13) банктің ірі қатысушысына және (немесе) банк холдингіне тиесілі мүліктің құнына бағалау жүргізу;

14) банктер, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар депозиторларының және (немесе) кредиторларының және (немесе) клиенттерінің құқықтары мен заңды мүдделерінің бұзылуына ықпал еткен себептерді және (немесе) жағдайларды жою;

15) олардың қызметінің Қазақстан Республикасының заңнамасына сәйкестігін қамтамасыз ету жөніндегі талаптарды қою арқылы қолданады.

Қазақстан Республикасы бейрезидент-банктерінің филиалдарына осы тармақтың бірінші бөлігінің 1) тармақшасын қолдану мақсаттары үшін меншікті капиталдың жеткіліктілік коэффициенті деп резерв ретінде қабылданатын активтердің жеткіліктілік коэффициенті түсініледі.

2. Осы баптың 1-тармағында көзделген шаралар жазбаша нұсқама немесе жазбаша келісім нысанында қолданылады.

3. Банкке, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға, банк холдингіне, банк конгломератының құрамына кіретін ұйымдарға, банктің ірі қатысушысына осы баптың 1-тармағында белгіленген орындалуы міндетті шараларды қабылдау және (немесе) оларды орындау жөніндегі іс-шаралар жоспарын (бұдан әрі – іс-шаралар жоспары) белгіленген мерзімде ұсыну қажеттігіне нұсқау жазбаша нұсқама болып табылады.

Іс-шаралар жоспарында кемшіліктердің, тәуекелдердің немесе бұзушылықтардың, олардың туындауына алып келген себептердің сипаттамасы, жоспарланған іс-шаралардың тізбесі, оларды жүзеге асыру мерзімдері, сондай-ақ жауапты басшы қызметкерлер көрсетіледі.

4. Уәкілетті орган мен банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым немесе банк холдингі немесе банк конгломератының құрамына кіретін ұйымдар немесе банктің ірі қатысушысы арасында жасалған, анықталған кемшіліктерді, тәуекелдерді немесе бұзушылықтарды жою мерзімдерін және (немесе) анықталған бұзушылықтар және (немесе) кемшіліктер жойылғанға дейін аталған тұлғалар өздеріне қабылдайтын шектеулердің тізбесін көрсете отырып, осы баптың 1-тармағында белгіленген шараларды орындау туралы жазбаша келісім жазбаша келісім болып табылады.

Жазбаша келісім банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым немесе банк холдингі немесе банк конгломератының құрамына кіретін ұйымдар немесе банктің ірі қатысушысы тарапынан міндетті түрде қол қойылуға жатады.

5. Банк, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым, банк холдингі, банк конгломератының құрамына кіретін ұйым немесе банктің ірі қатысушысы уәкілетті органды жазбаша нұсқамада және жазбаша келісімде көрсетілген шаралардың осы құжаттарда көзделген мерзімдерде орындалғаны туралы хабардар етуге міндетті.

6. Банкке, банк холдингіне, банк конгломератының құрамына кіретін ұйымға, банктің ірі қатысушысына, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға байланысты емес себептермен жазбаша нұсқамада және (немесе) іс-шаралар жоспарында, жазбаша келісімде белгіленген мерзімдерде бұзушылықтарды жою мүмкін болмаған жағдайда, жазбаша нұсқаманы және (немесе) іс-шаралар жоспарын, жазбаша келісімді орындау бойынша мерзім уәкілетті орган белгілеген күнге дейін ұзартылуы мүмкін.

Ескерту. 46-бап жаңа редакцияда – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); өзгеріс енгізілді – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

47-бап. Санкциялар

Ескерту. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

47-1-бап. Қадағалап ден қоюдың мәжбүрлеу шаралары

Ескерту. 47-1-баптың тақырыбы жаңа редакцияда – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

1. Уәкілетті орган банктің ірі қатысушысының немесе банк холдингінің белгілері бар тұлғаларға, сондай-ақ банктің ірі қатысушысына, банк холдингіне және банк конгломератының құрамына кіретін ұйымдарға:

1) осы Заңның 17-1-бабының 11-тармағында, 42-бабының 5-тармағында, 57-бабының 6-тармағында көзделген;

2) қадағалап ден қоюдың өзге де шараларын қолдану депозиторлар мен кредиторлардың заңды мүдделерін қорғауды, банктің және (немесе) банк конгломератының қаржылық орнықтылығын, банктің, банк холдингінің қызметіне байланысты тәуекелдерді барынша азайтуды қамтамасыз ете алмаған;

3) банк холдингінің және (немесе) банктің ірі қатысушысының әрекеттері (әрекетсіздігі) банктің, банк холдингінің қаржылық жағдайын одан әрі нашарлатуға алып келуі мүмкін жағдайларда, қадағалап ден қоюдың мәжбүрлеу шараларын қолданады.

2. Осы баптың 1-тармағында көзделген жағдайлар болған кезде, уәкілетті орган:

1) ірі қатысушы белгілерін иеленуші тұлғадан, сондай-ақ банктің ірі қатысушысынан оның тікелей немесе жанама иелену үлесін банктің дауыс беретін акцияларының он пайызынан төмен деңгейге дейін азайтуды талап етуге;

2) банк холдингі белгілерін иеленуші тұлғадан, сондай-ақ банк холдингінен оның тікелей немесе жанама иелену үлесін банктің дауыс беретін акцияларының жиырма бес пайызынан төмен деңгейге дейін азайтуды және банкті тәуекелге ұшырататын, өзі мен банк арасындағы операцияларды (тікелей және жанама) жүзеге асыруды тоқтата тұруды талап етуге;

3) банктен және банк холдингінен банк немесе банк холдингі олардың акционері (қатысушысы) болып табылатын ұйымдарға, сондай-ақ банк конгломератының құрамына кіретін ұйымдарға қатысты банкті және (немесе) банк холдингін не банк конгломератының құрамына кіретін ұйымдарды тәуекелге ұшырататын олардың арасындағы операцияларды (тікелей және жанама) жүзеге асыруды тоқтата тұруды талап етуге;

4) банктен немесе банк холдингі белгілерін иеленуші тұлғадан, сондай-ақ банк холдингінен өзінің иелену үлесін иеліктен шығаруды немесе еншілес ұйымдарға немесе жарғылық капиталына қомақты қатысатын ұйымдарға бақылау жүргізуді талап етуге;

5) банк конгломератының құрамына кіретін ұйымдардан банк конгломератын тәуекелге ұшырататын, олар мен үлестес тұлғалар арасындағы операцияларды (тікелей және жанама) жүзеге асыруды тоқтата тұруды талап етуге;

6) банктің немесе банк конгломератының меншікті капиталын банктің немесе банк конгломератының қаржылық тұрақтылығын қамтамасыз ету үшін жеткілікті болатын мөлшерде арттыру мақсатында банк холдингінен, банктің ірі қатысушысынан банкті немесе банк конгломератын қосымша капиталдандыру жөнінде шаралар қолдануды талап етуге құқылы.

3. Банктің ірі қатысушысы, банк холдингі не банктің не банк холдингінің ірі қатысушысы белгілерін иеленуші тұлға осы баптың 2-тармағында, сондай-ақ осы Заңның 57-бабының 6-тармағында көзделген талаптарды орындамаған жағдайда, уәкілетті органның шешімі негізінде банктің ірі қатысушысына, банк холдингіне не банктің, банк холдингінің ірі қатысушысы белгілерін иеленуші тұлғаға тиесілі банк акцияларын сенімгерлік басқару тағайындалады. Бұл акциялар уәкілетті органға үш айға дейінгі мерзімге сенімгерлік басқаруға беріледі.

Уәкілетті орган банктің ірі қатысушысына, банк холдингіне не банктің ірі қатысушысы не банк холдингі белгілерін иеленуші тұлғаға тиесілі банк акцияларын ұлттық басқарушы холдингке сенімгерлік басқаруға беру туралы шешім қабылдауға құқылы.

Банктің ірі қатысушысына, банк холдингіне не банктің ірі қатысушысы не банк холдингі белгілерін иеленуші тұлғаға тиесілі банк акциялары ұлттық басқарушы холдингке сенімгерлік басқаруға берілген жағдайда, акцияларды сенімгерлік басқаруды тағайындау мерзімі уәкілетті органның сенімгерлік басқаруды тағайындау туралы шешімінде айқындалады.

Уәкілетті орган не ұлттық басқарушы холдинг банктің акцияларын сенімгерлік басқаруды жүзеге асырған кезеңде акциялардың меншік иесі сенімгерлік басқарудағы акцияларға қатысты қандай да бір іс-әрекеттерді жүзеге асыруға құқылы емес.

Банктің ірі қатысушысы, банк холдингі не банктің ірі қатысушысы, банк холдингі белгілерін иеленуші тұлға уәкілетті органға банктің өзіне тиесілі барлық акцияларын өтінішхатта көрсетілген тұлғаларға сату туралы өтінішхат беруге құқылы.

Өтінішхатта көрсетілген акцияларды сатып алушылар Қазақстан Республикасының заңнамалық актілерінің талаптарын орындаған жағдайда уәкілетті орган өтінішхатты қанағаттандырады.

Банктің ірі қатысушысына, банк холдингіне не банктің ірі қатысушысы не банк холдингі белгілерін иеленуші тұлғаға тиесілі банк акцияларын ұлттық басқарушы холдингке сенімгерлік басқаруға беру үшін негіздер сенімгерлік басқару тағайындалған мерзім аяқталғанға дейін жойылмаған жағдайда, уәкілетті орган не ұлттық басқарушы холдинг банктің сенімгерлік басқарудағы акцияларын олардың акцияларды өткізу туралы шешім қабылданған күні қалыптасқан нарықтық құны бойынша бағалы қағаздардың ұйымдастырылған нарығында өткізу жолымен иеліктен шығарады. Акциялардың нарықтық құны туралы ақпарат болмаған жағдайда, акцияларды өткізу бағасын бағалаушы Қазақстан Республикасының заңнамасына сәйкес айқындауы мүмкін. Көрсетілген акцияларды сатудан түскен ақша акциялары сенімгерлік басқаруға берілген тұлғаларға аударылады.

Банктің ірі қатысушысына, банк холдингіне не банктің ірі қатысушысы, банк холдингі белгілерін иеленуші тұлғаға тиесілі банк акцияларын сату жөніндегі іс-шаралар банк қаражаты есебінен жүзеге асырылады.

Банктің ірі қатысушысына, банк холдингіне не банктің ірі қатысушысы не банк холдингі белгілерін иеленуші тұлғаларға тиесілі банк акцияларын сенімгерлік басқаруды жүзеге асырудың тәртібі, сондай-ақ уәкілетті органның не ұлттық басқарушы холдингтің сенімгерлік басқару кезеңіндегі іс-әрекеті уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

4. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.
Ескерту. 47-1-бап жаңа редакцияда - ҚР 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

47-2 -бап. Санкциялар

1. Уәкiлеттi орган, Қазақстан Республикасының Ұлттық Банкі өздерінің құзыреті шегінде банкке, банк холдингіне, банк конгломератының құрамына кіретін ұйымдарға, банктің ірі қатысушыларына, сондай-ақ банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымға бұрын оларға қолданылған қадағалап ден қою шараларына қарамастан, осы Заңның 48-бабында белгiленген негiздер бойынша барлық немесе жекелеген банк операцияларын жүргiзуге лицензияның және (немесе) лицензияға қосымшаның қолданысын тоқтата тұру не одан айыру түрінде санкция қолдануға құқылы.

2. Банктің барлық немесе жекелеген банк операцияларын жүргізуге арналған лицензиясының қолданысын тоқтата тұру немесе одан айыру туралы шешім қабылдаған күнінен бастап күшiне енедi.

Банктің барлық немесе жекелеген банк операцияларын жүргізуге арналған лицензиясының қолданысы осындай шешім банктің назарына жеткізілген күннен бастап тоқтатыла тұрды деп есептеледі.

3. Лицензияның және (немесе) лицензияға қосымшаның қолданысын тоқтата тұру немесе одан айыру туралы қабылданған шешім бойынша ақпарат уәкілетті органның, Қазақстан Республикасы Ұлттық Банкінің интернет-ресурсында қазақ және орыс тілдерінде жарияланады.

4. Барлық банк операцияларын жүргiзуге арналған лицензиядан айыру туралы шешімге банктiң атынан оның акционерлерi ғана шағым жасауға құқылы.

4-1. Қазақстан Республикасы бейрезидент-банкінің филиалы атынан Қазақстан Республикасының бейрезидент-банкі ғана Қазақстан Республикасы бейрезидент-банкінің филиалын барлық банк операцияларын жүргізуге арналған лицензиядан айыру туралы шешімге шағым жасауға құқылы.

Барлық банк операцияларын жүргізуге арналған лицензиядан айырылған Қазақстан Республикасы бейрезидент-банкінің филиалы банктік немесе өзге де қызметті жүзеге асыруға құқылы емес.

5. Осы баптың 2, 3 және 4-тармақтарының талаптары банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымды лицензиядан және (немесе) лицензияға қосымшадан айыру жағдайларына қолданылады.

Ескерту. Заң 47-2-баппен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен; өзгерістер енгізілді - ҚР 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (02.01.2020 бастап қолданысқа енгізіледі); 26.06.2020 № 349-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

48-бап. Барлық немесе жекелеген банк операцияларын жүргiзуге лицензияның және (немесе) лицензияға қосымшаның қолданысын тоқтата тұру, тоқтату не олардан айыру үшiн негiздер

Ескерту. Тақырып жаңа редакцияда - ҚР 16.05.2014 № 203-V Заңымен (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі).

1. Барлық немесе жекелеген банк операцияларын жүргiзуге арналған лицензияның және (немесе) оған қосымшаның қолданысын тоқтата тұру не олардан айыру мынадай негiздердің кез келгені бойынша жүргiзiледi:

1) банктің және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қызметi процесінде осы Заңның 20-бабының, 26-бабы 2 және 7-тармақтарының талаптарын сақтамау;

2) банкте өзге банк холдингі немесе банк акцияларының жиырма бес немесе одан көп пайызын иеленетін ірі қатысушы-жеке тұлға болмағанда, банк холдингі, банктің орналастырылған (артықшылықты және банк сатып алған акциялар шегеріле отырып) акцияларының жиырма бес немесе одан көп пайызын иеленетін банктің ірі қатысушысы-жеке тұлға мәртебесін кері қайтарып алу;

3) депозиттерді қабылдауға, жеке тұлғалардың банктік шоттарын ашуға және жүргізуге лицензиясы бар банкте (орналастырылған акцияларының елу пайыздан астамы мемлекетке және (немесе) ұлттық басқарушы холдингке тікелей немесе жанама тиесілі банктерді қоспағанда) тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленетін рейтингтік агенттіктердің бірінің талап етілетін ең төмен рейтингі бар бас банктің не банк холдингінің не ірі қатысушының-жеке тұлғаның болмауы;

4) банк операцияларын қолданыстағы заңнама нормаларын үнемі (қатарынан күнтiзбелiк он екi ай iшiнде үш және одан көп рет) бұза отырып жүзеге асыру;

5) осы Заңның 32-бабында белгiленген банк операцияларын жүргiзудiң жалпы шарттарын ашып көрсету жөнiндегi мiндеттi сақтамау;

6) банкпен ерекше қатынастар арқылы байланысты тұлғаларға жеңiлдiкті жағдайлар жасауға осы Заңның 40-бабында белгiленген тыйым салуды бұзу;

7) уәкілетті органның немесе Қазақстан Республикасы Ұлттық Банкінің құзыретіне кіретін мәселелер бойынша Қазақстан Республикасының заңнамасын үнемі (қатарынан күнтізбелік он екі ай ішінде үш және одан көп рет) бұзу не уәкілетті орган, Қазақстан Республикасының Ұлттық Банкі қолданған қадағалап ден қою шараларын үнемі (қатарынан күнтізбелік он екі ай ішінде үш және одан көп рет) орындамау;

8) тәуекелдерді басқару және ішкі бақылау жүйесінің уәкілетті органның талаптарына сәйкес келмеуі;

9) осы Заңның 8-бабының шарттарына сәйкес банктер үшiн тыйым салынған және шектелген қызметтi жүзеге асыру;

10) банктің осы Заңда, банк жарғысында және банк операцияларын жүргiзуге арналған лицензияда белгiленген өзiнiң құқық қабiлетi шегiнен шығатын операцияларды жүзеге асыруы;

11) банктiң, банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйымның қызметтi өздерiне берiлген лицензияға және (немесе) оған қосымшаға сәйкес ол берiлген күннен бастап қатарынан күнтiзбелiк он екi ай бойы жүзеге асырмауы;

12) қызметін Қазақстан Республикасы Ұлттық Банкінің қолма-қол шетел валютасымен айырбастау операцияларына арналған лицензиясы негізінде тек қана айырбастау пункттері арқылы жүзеге асыратын заңды тұлғаның, Қазақстан Республикасы Ұлттық Банкінің банкноттарды, монеталар мен құндылықтарды инкассациялауға арналған лицензиясы негізінде банкноттарды, монеталар мен құндылықтарды инкассациялау айрықша қызметі болып табылатын заңды тұлғаның қызметті берілген лицензияға және (немесе) оған қосымшаға сәйкес қатарынан күнтiзбелiк он екі ай бойы жүзеге асырмауы;

13) қызметін Қазақстан Республикасы Ұлттық Банкінің қолма-қол шетел валютасымен айырбастау операцияларына арналған лицензиясы негізінде тек қана айырбастау пункттері арқылы жүзеге асыратын заңды тұлғаның, Қазақстан Республикасы Ұлттық Банкінің банкноттарды, монеталар мен құндылықтарды инкассациялауға арналған лицензиясы негізінде банкноттарды, монеталар мен құндылықтарды инкассациялау айрықша қызметі болып табылатын заңды тұлғаның қолма-қол шетел валютасымен айырбастау операцияларын тек қана айырбастау пунктері арқылы жүзеге асыру және банкноттарды, монеталар мен құндылықтарды инкассациялау жөніндегі қызметке қойылатын біліктілік талаптарына сәйкес келмеуі;

13-1) Қазақстан Республикасы Ұлттық Банкінің қолма-қол шетел валютасымен айырбастау операцияларына арналған лицензиясы негізінде тек қана айырбастау пункттері арқылы қызметін жүзеге асыратын заңды тұлғаның, Қазақстан Республикасы Ұлттық Банкінің банкноттарды, монеталарды және құндылықтарды инкассациялауға арналған лицензиясы негізінде банкноттарды, монеталарды және құндылықтарды инкассациялау айрықша қызметі болып табылатын заңды тұлғаның Қазақстан Республикасының Ұлттық Банкі тарапынан бақылау мен қадағалау жүргізуге кедергі келтіруі;

14) соттың банк қызметiн тоқтату туралы шешiмді қабылдауы;

15) уәкілетті органның банктің меншікті капиталын ұлғайту жөніндегі талаптарын, сондай-ақ осы Заңның 47-1-бабының 2-тармағына сәйкес қойылатын талаптарды банк холдингінің, банктің ірі қатысушысының орындамауы;

16) банкті осы Заңға сәйкес төлемге қабілетсіз банк санатына жатқызу;

17) Қазақстан Республикасы бейрезидент-банкі филиалының осы Заңның 42-бабы 6-тармағының үшінші бөлігіне сәйкес уәкілетті органның нормативтік құқықтық актісінде белгіленген, резерв ретінде қабылданатын активтердің мөлшеріне қойылатын талаптарды сақтамауы;

18) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органының немесе сотының Қазақстан Республикасы бейрезидент-банкінің барлық немесе мәні бойынша ұқсас жекелеген банк операцияларын жүргізуге арналған лицензиясының қолданысын тоқтата тұруы не одан айыруы;

19) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекет сотының Қазақстан Республикасының бейрезидент-банкін мәжбүрлеп тарату (қызметін тоқтату) туралы шешім қабылдауы;

20) осы Заңның 74-5-бабы 4-тармағының екінші бөлігінде көзделген жағдайларда соттың Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату туралы шешім қабылдауы.

1-1. Депозиттерге міндетті кепілдік беру жүйесінің қатысушысы болып табылмайтын банк (ислам банкін қоспағанда) депозиттер қабылдауға, жеке тұлғалардың банк шоттарын ашуға және жүргізуге арналған лицензияларынан айырылады.

1-2. Алып тасталды - ҚР 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.
1-3. Алып тасталды - ҚР 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

1-4. Барлық немесе жекелеген банк операцияларын жүргiзуге лицензияның және (немесе) лицензияға қосымшаның қолданысын тоқтату "Рұқсаттар және хабарламалар туралы" Қазақстан Республикасының Заңында көзделген негіздер бойынша, банкке ерікті түрде таратылуға рұқсат, Қазақстан Республикасы бейрезидент-банкінің филиалына қызметін ерікті түрде тоқтатуға рұқсат берілген кезде жүзеге асырылады.

2. Барлық не жекелеген банк операцияларын жүргізуге арналған лицензияның және (немесе) лицензияға қосымшаның қолданысын тоқтата тұру не одан айыру түрінде санкция қолданудың мақсатқа лайықтығын айқындау және санкцияны таңдау кезінде мыналар ескеріледі:

1) тәуекел деңгейі, бұзушылықтардың және (немесе) кемшіліктердің және олардың салдарларының сипаты;

2) жол берілген бұзушылықтардың және (немесе) кемшіліктердің және олардың салдарларының ауқымы мен маңыздылығы;

3) бұзушылықтардың және (немесе) кемшіліктердің жүйелілігі мен ұзақтығы;

4) жол берілген бұзушылықтардың және (немесе) кемшіліктердің қаржылық жағдайға тигізетін әсері;

5) анықталған бұзушылықтардың және (немесе) кемшіліктердің туындауына негіз болған себептер;

6) банктің, банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның қызметте анықталған кемшіліктерді, тәуекелдерді немесе бұзушылықтарды жоюға бағытталған дербес шаралар қабылдауы;

7) төлемге қабілетсіз банкке реттеу шараларын қолдану мүмкіндігі.

3. Алынып тасталды.

Ескерту. 48-бапқа өзгерістер енгізілді - ҚР Президентiнiң 1996.01.27 № 2830 Заң күші бар Жарлығымен, ҚР 1997.07.11 № 154, 1997.08.12 № 200, 1999.07.16 № 436, 2001.03.02 № 162, 2003.07.10 № 483 (2004.01.01 бастап қолданысқа енгізіледі), 2005.07.08 № 69, 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.01.31 № 125 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.01.12 № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.08.28 № 192-IV (2010.03.08 бастап қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.06.21 № 19-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.05.2014 № 203-V (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (01.09.2014 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 06.04.2024 № 71-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

48-1-бап. Банкті лицензиядан айырудың салдарлары

1. Барлық банк операцияларын жүргізуге арналған лицензиядан айрылған банктің банктік немесе өзге де қызметті жүзеге асыруға құқығы жоқ.

Банк барлық банк операцияларын жүргізуге арналған лицензиядан айырылған күнінен бастап:

1) мыналарға:

уәкілетті органның нормативтік құқықтық актілерінде көзделген шығыстарға;

банктің пайдасына келіп түсетін ақшаны есепке жатқызуға;

банктік шоттары жабылған тұлғалардың пайдасына келіп түскен және түсетін ақшаны, сондай-ақ қате көрсетулер бойынша келіп түскен және түсетін ақшаны қайтаруға;

клиенттің банк алдында берешегі болмаған немесе клиент банк алдындағы берешегін өтеген жағдайда, клиенттердің банкті лицензиядан айырғаннан кейін өздерінің банктік шоттарына келіп түсетін ақшаны аудару жөніндегі нұсқауларын орындау бойынша шығыстарға;

осы Заңның 61-11 және 61-12-баптарында көзделген операцияны жүргізуге байланысты жағдайларды қоспағанда, клиенттердің және банктің өзінің банктік шоттары бойынша барлық операциялар тоқтатылады;

2) құрылтайшылардың (қатысушылардың), банк органдарының банк мүлкіне билік етуге құқығы болмайды;

3) банктің басшы, ал қажет болған жағдайда өзге де қызметкерлері Қазақстан Республикасының еңбек заңнамасына сәйкес жұмыстан шеттетіледі;

4) банкті ұстап тұруға арналған ағымдағы шығыстарға байланысты талаптарды қоспағанда, кредиторлардың банкке қоятын талаптары тарату ісі жүргізілгенде ғана қойылуы мүмкін;

5) кредиторлардың, мемлекеттік кіріс органдарының талаптары, оның ішінде даусыз (акцептсіз) тәртіппен қанағаттандыруға жататын талаптары бойынша банктің банк шоттарынан ақшаны өндіріп алуға, сондай-ақ банк мүлкінен өндіріп алуға жол берілмейді;

6) банктің лауазымды адамдарына және ірі қатысушыларына өздеріне тиесілі банк акцияларын иеліктен шығаруға тыйым салынады;

7) банкке қатысты соттардың бұрын қабылдаған шешімдерін орындау тоқтатыла тұрады;

8) банктің борышкерлері негізгі борышты, сыйақыны және тұрақсыздық айыбын (айыппұлды, өсімпұлды) өтеу бойынша міндеттемелерді жасалған банктік қарыз шарттарына және мәмілелердің өзге де түрлеріне сәйкес орындайды;

9) клирингтік қатысушы болып табылатын банктің сауда-саттықты ұйымдастырушылардың сауда жүйелерінде ашық сауда-саттық әдісімен және (немесе) орталық контрагенттің қатысуымен жасалған қаржы құралдарымен мәмілелер бойынша міндеттемелерін клирингтік ұйым (орталық контрагент), оның ішінде клирингтік ұйымның (орталық контрагенттің) клирингтік қызмет жүзеге асырылатын мәмілелер бойынша міндеттемелердің толық немесе ішінара қамтамасыз етуі, маржалық жарналар, клирингтік ұйымның (орталық контрагенттің) кепілдік қорларына жарналар болып табылатын қаржы құралдарын уәкілетті органның нормативтік құқықтық актісінде және осы клирингтік ұйымның (орталық контрагенттің) ішкі құжаттарында белгіленген тәртіппен толық пайдалану есебінен орындайды.

1-1. Банкті барлық банк операцияларын жүргiзуге арналған лицензиядан айырғаннан кейiн уәкiлеттi орган банктiң уақытша әкiмшiлiгiн (уақытша әкімшісін) тағайындайды.

Банктің бұрын әрекет еткен органдарының өкілеттіктері тоқтатыла тұрады.

1-2. Банктің уақытша әкімшілігі (уақытша әкімшісі) банкті лицензиядан айырған күннен бастап он жұмыс күні ішінде осы Заңның 61-11 және 61-12-баптарында көзделген операцияны жүргізу туралы шешім қабылдауға және осы операцияны жүргізу туралы мәселені келісу үшін уәкілетті органға өтініш жасауға құқылы.

Уәкілетті орган он жұмыс күнінен аспайтын мерзімде банктің уақытша әкімшілігінің (уақытша әкімшісінің) осы Заңның 61-11 және 61-12-баптарында көзделген операцияны жүргізуіне келісім береді немесе оны жүргізуден бас тартады.

Уәкілетті орган банктің уақытша әкімшілігі (уақытша әкімшісі) көрсетілген операцияны жүргізгеннен кейін он жұмыс күні ішінде банктің қызметін Қазақстан Республикасының заңнамасында белгіленген тәртіппен мәжбүрлеп тоқтату (банкті тарату) туралы арызбен сотқа жүгінеді.

Банктің уақытша әкімшілігі (уақытша әкімшісі) осы тармақтың бірінші бөлігінде көрсетілген мерзімде осы Заңның 61-11 және 61-12-баптарында көзделген операцияны жүргізу туралы шешім қабылдамаған немесе уәкілетті орган осы операцияны жүргізуден бас тартқан жағдайда, уәкілетті орган он жұмыс күні ішінде банктің қызметін Қазақстан Республикасының заңнамасында белгіленген тәртіппен мәжбүрлеп тоқтату (банкті тарату) туралы арызбен сотқа жүгінеді.

1-3. Банктің уақытша әкімшілігі (уақытша әкімшісі) барлық банк операцияларын жүргізуге арналған лицензиядан айырылған банк немесе ол уәкілеттік берген тұлға лицензиядан айыру күніне дейін үш жыл ішінде жасаған мәмілелер бойынша Қазақстан Республикасының азаматтық заңнамасында және осы Заңның 61-13-бабының 2-тармағында көзделген мәмілелердің жарамсыздық негіздері болған кезде, мәмілелерді жарамсыз деп тану туралы арызбен сотқа жүгінуге құқылы.

Осы Заңның 61-13-бабының 3-тармағында көзделген, мәмілелерді жарамсыз деп тану салдарлары барлық банк операцияларын жүргізуге арналған лицензиядан айырылған банкке қолданылады.

2. Банктiң жұмыс тәртібі, оның уақытша әкiмшiлiгін (уақытша әкiмшісін) тағайындау тәртібі, уақытша әкiмшiлiктің (уақытша әкiмшінің) өкілеттігі, сондай-ақ уақытша әкiмшiлiктiң (уақытша әкiмшінiң) есептілікті және өзге де ақпаратты уәкілетті органға ұсыну тәртібі, нысандары мен мерзімдері уәкiлеттi органның нормативтiк құқықтық актілерінде айқындалады.

3. Банктiң уақытша әкiмшiлiгi (уақытша әкiмшісі) өз қызметiн уәкiлеттi орган банктiң тарату комиссиясын тағайындағанға дейiнгi кезеңде жүзеге асырады.

Банктiң тарату комиссиясы тағайындалғанға дейiн банктiң уақытша әкiмшiлiгiнiң (уақытша әкiмшісінiң) қызметiн бақылауды уәкiлеттi орган жүзеге асырады.

Уәкiлеттi орган уақытша әкiмшiлiктің (уақытша әкiмшінің) қызметiне бақылауды жүзеге асыру мақсатында уақытша әкiмшiлiктің (уақытша әкiмшінің) қызметiнде Қазақстан Республикасы заңнамасының талаптарын, кредиторлардың құқықтары мен заңды мүдделерін бұзушылықтарды анықтаған кезде уақытша әкiмшiлiктердің (уақытша әкiмшілердің) орындауы міндетті, анықталған бұзушылықтарды және (немесе) оларды жасауға ықпал еткен себептерді, сондай-ақ жағдайларды белгіленген мерзімде жою туралы және (немесе) белгіленген мерзімде іс-шаралар жоспарын беру туралы жазбаша нұсқамалар шығаруға құқылы.

Жазбаша нұсқамада белгіленген мерзімде ұсынылған іс-шаралар жоспарында бұзушылықтардың, олардың туындауына алып келген себептердің сипаттамасы, жоспарланған іс-шаралардың тізбесі, оларды жүзеге асыру мерзімдері, сондай-ақ жауапты лауазымды адамдар көрсетіледі.

Уәкілетті органның жазбаша нұсқамасына шағым жасау Қазақстан Республикасының заңдарында белгіленген тәртіппен жүзеге асырылады. Уәкілетті органның жазбаша нұсқамасына шағым жасау оның орындалуын тоқтата тұрмайды.

4. Банктің уақытша әкімшілігінің (уақытша әкімшісінің) орындалған жұмыс туралы есебі уәкілетті органға бекіту үшін беріледі.

5. Банктiң уақытша әкiмшiлiгi (уақытша әкiмшісi) банктің тарату комиссиясы тағайындалған күннен бастап бір айдан аспайтын мерзімде өз өкiлеттiгiн доғарады және банктiң құжаттары мен мүлкiн банктiң тарату комиссиясының төрағасына бередi.

6. Банктiң құжаттары мен мүлкiн уақытша әкiмшiлiктен тарату комиссиясының төрағасына қабылдау-беру төрт данадан тұратын актiмен ресiмделедi, оның бір данасы уәкілетті органға, екіншісі - банкті тарату туралы шешім қабылдаған сотқа жіберіледі.

7. Банктiң уақытша әкiмшiлiгi (уақытша әкiмшісі) өз қызметi кезеңiнде:

осы баптың 1-тармағында көзделген жағдайларды қоспағанда, шығыс операцияларын жүзеге асыруға;

тараптардың келісімі бойынша банктің қаржылық жағдайын нашарлатпайтын өзгерістер енгізуді қоспағанда, банк бұрын жасасқан шарттардың талаптарын өзгертуге құқылы емес.

8. Банктiң уақытша әкiмшілігінің (уақытша әкiмшiсiнiң) және тарату комиссиясының құрамына енгізілген уәкiлеттi орган қызметкерлерiнің еңбегіне ақы төлеуге байланысты шығыстарды, сондай-ақ соттың банктi мәжбүрлеп тарату туралы қабылдаған шешiмi жөнiндегi ақпаратты Қазақстан Республикасы Әдiлет министрлiгiнiң ресми баспа басылымдарында қазақ және орыс тiлдерiнде жариялау жөнiндегi шығыстарды және Корпорацияның мәжбүрлеп тарату бойынша банк қызметiнiң тоқтатылғанын мемлекеттiк тiркеуге және банктiң мүлкi болмаған не оның құны осы шығыстарды жабуға жеткiлiксiз болған жағдайларда, банктi тарату аяқталғаннан кейiн құжаттарды сақтау үшін мұрағатқа тапсыруға байланысты шығыстарды қоспағанда, мәжбүрлеп тарату негiзi бойынша банктердi мәжбүрлеп қайта ұйымдастыруға және олардың қызметiн тоқтатуға байланысты шығыстарды уәкiлеттi органның қаржыландыруына тыйым салынады.

Ескерту. 48-1-баппен толықтырылды - ҚР 1997.07.11 № 154, жаңа редакцияда - ҚР 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен, өзгерістер енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 07.11.2014 № 248-V (алғашқы ресми жарияланған күнінен кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi); 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 29.06.2020 № 351-VI (01.07.2021 бастап қолданысқа енгізіледі) Заңдарымен.

49-бап. Банк ашуға берiлген рұқсатты қайтарып алудың негiздерi мен тәртiбi

Ескерту. 49-бап алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (02.01.2020 бастап қолданысқа енгізіледі).

50-бап. Банк құпиясы

1. Банк құпиясына банктің клиенттерi мен корреспонденттерi, олардың операциялары мен көрсетілетін банктік қызметтерді алуға байланысты банктермен өзара қарым-қатынастары туралы мәліметтер, оның ішінде шектеусіз: банктік шоттардың бар екендігі, олардың иелерi мен нөмiрлерi және банктердің корреспонденттері, осы шоттардағы және банктің өз шоттарындағы ақшаның қалдығы мен қозғалысы, аударылған шоттардағы шектеулер (мемлекеттік органдардың шығыс операцияларын тоқтата тұру, тыйым салу, кепілдер туралы шешімдері және (немесе) өкімдері), клиенттер мен корреспонденттердің және банктің өз операциялары (банк операцияларын жүргiзудiң жалпы шарттарын қоспағанда), сондай-ақ банктің сейф жәшiктерiнде, шкафтарымен үй-жайларында сақтаулы жатқан клиенттер мүлкiнiң болуы, иелерi, сипаты мен құны туралы ақпарат, клиенттердің кредит алу (осы бапта айқындалған жағдайлардан басқа), төлемдер және (немесе) ақша аударымдары бойынша, оның ішінде банктік шотты ашпай орындалатын операцияларды жүргізу туралы ақпарат кiредi.

Тарату процесінде тұрған банк берген кредиттер туралы мәліметтер банк құпиясына жатпайды.

2. Банктер өз депозиторларының, банктердің клиенттерi мен корреспонденттерiнiң операциялары мен шоттары жөніндегі құпияға, сондай-ақ банктердiң сейф жәшiктерiнде, шкафтары мен үй-жайларында сақтаулы жатқан мүлiктердiң құпиясына және осы бапқа сәйкес банк құпиясын құрайтын өзге де мәліметтерге кепiлдiк бередi.

3. Осы баптың 4 – 8, 8-1-тармақтарында көзделген жағдайларды қоспағанда, өздерінің қызметтік мiндеттерiн жүзеге асыруына орай банк құпиясын құрайтын мәлiметтерге қолжетімділік алған банктердің, Қазақстан Республикасы резиденттерінің-банк холдингтерінің, осы баптың 4-тармағы екінші бөлігінің 8), 8-1) және 8-2) тармақшаларында көрсетілген заңды тұлғалардың лауазымды адамдары, жұмыскерлерi және өзге де тұлғалар оларды жария еткенi үшiн қылмыстық жауаптылықта болады.

4. Банк құпиясы клиентке ғана, шот (мүлік) иесінің жазбаша нысанда берген келісімінің негізінде не шот иесінің сәйкестендіру құралы арқылы кез келген үшінші тұлғаға, Қазақстан Республикасының заңдарына сәйкес банктік қарыздар, лизингтік, факторингтік, форфейтингтік операциялар, вексельдерді есепке алу, сондай-ақ банк шығарған кепілдіктер, кепілгерліктер, аккредитивтер бойынша кредиттік бюроға, сондай-ақ осы баптың 5, 6, 6-1, 7, 7-1, 7-2, 8 және 8-1-тармақтарында аталған адамдарға осы бапта көзделген негіздер бойынша және шектерде ашылуы мүмкін.

Мыналар:

1) банктердің дара кәсіпкер, жекеше нотариус, жеке сот орындаушысы, адвокат, кәсіби медиатор ретінде тіркеу есебінде тұрған жеке тұлғаға, шетелдікке және азаматтығы жоқ адамға, бейрезидентті қоса алғанда, заңды тұлғаға, оның құрылымдық бөлімшелеріне банк шоттарының ашылғаны туралы тек салықтық әкімшілендіру мақсатында мемлекеттік кіріс органдарын міндетті түрде хабардар етуі;

1-1) банктердiң қаржы мониторингi жөнiндегi уәкiлеттi органға "Қылмыстық жолмен алынған кiрiстердi заңдастыруға (жылыстатуға) және терроризмдi қаржыландыруға қарсы iс-қимыл туралы" Қазақстан Республикасының Заңына сәйкес ақпарат, мәліметтер мен құжаттар беруі;

1-2) төлемдер мен ақша аударымдарын жүргізу кезінде банктер тікелей жүзеге асыратын, төлемдерді бюджетке төлеуге, міндетті зейнетақы жарналарын, міндетті кәсіптік зейнетақы жарналары мен әлеуметтік аударымдарды аударуға, мемлекеттік көрсетілетін қызметтерге ақы төлеуге байланысты осы төлемдер мен ақша аударымдары туралы "электрондық үкімет" төлем шлюзінің операторына, мемлекеттік органдарға және соттарға "электрондық үкімет" төлем шлюзі арқылы мәліметтер мен ақпарат беруі, сондай-ақ бюджетті атқару жөніндегі орталық уәкілетті орган жүзеге асыратын, қайтарылған төлемдер мен ақша аударымдары туралы мәліметтер беруі;

1-3) банктердің мемлекеттік кіріс органына коллекторлық агенттіктермен жасалған басқаға беру шарттары бойынша мәліметтерді тек қана салықтық әкімшілендіру мақсатында салықтардың және бюджетке төленетiн басқа да мiндеттi төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік орган Қазақстан Республикасының Ұлттық Банкімен келісу бойынша белгілеген нысан бойынша ұсынуы;

1-4) банктердің, Қазақстан Республикасы Ұлттық Банкінің Қазақстан Республикасының заңнамасында айқындалған тәртіппен мемлекеттік кірістер органына Қазақстан Республикасының валюталық заңнамасына сәйкес бақылануға жататын экспорттық немесе импорттық операциялар бойынша ақпаратты және (немесе) құжаттарды беруі;

1-5) банктердің мемлекеттік кіріс органына салықтық тексеру және деңгейлес мониторинг жүргізу кезінде қажет болатын мәліметтер мен құжаттар ұсынуы;

1-6) Қазақстан Республикасының заңдарында белгіленген жағдайларда, мемлекеттік кіріс органдарына валюталық операциялар бойынша төлемдер және (немесе) ақша аударымдары туралы ақпарат ұсыну;

1-7) уәкілетті орган мен Қазақстан Республикасының Ұлттық Банкі арасында ақпарат, оның ішінде банк құпиясын құрайтын мәліметтер алмасу;

1-8) мемлекеттік кіріс органдарының сұрау салуы бойынша салық төлеушілер - дара кәсіпкер немесе жеке практикамен айналысатын адам ретінде тіркеу есебінде тұрған жеке тұлға, заңды тұлға бойынша, төлем карточкаларын және мобильді төлемдерді пайдалана отырып төлемдерді жүзеге асыруға арналған жабдықты (құрылғыны) қолдану арқылы ағымдағы шотқа келіп түскен, күнтізбелік жыл үшін төлемдердің қорытынды сомалары бойынша мәліметтер ұсыну;

ЗҚАИ-ның ескертпесі!
1-9) тармақшаның қолданысы тоқтатыла тұрады, тоқтатыла тұрған кезеңде 01.01.2024 бастап 01.01.2025 дейін мынадай редакцияда қолданыста болады - ҚР 31.12.2021 № 100-VII Заңымен.

1-9) салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік орган Қазақстан Республикасының Ұлттық Банкімен келісу бойынша белгілеген белгілі бір өлшемшарттар бойынша кәсіпкерлік қызметті жүзеге асырудан кіріс алу белгілері бар операциялар анықталған кезде салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласында басшылықты жүзеге асыратын уәкілетті мемлекеттік органға мынадай жеке тұлғалар:

жауапты мемлекеттік лауазымды атқаратын адамдар мен олардың жұбайы (зайыбы);

мемлекеттік функцияларды орындауға уәкілеттік берілген адамдар мен олардың жұбайы (зайыбы);

мемлекеттік функцияларды орындауға уәкілеттік берілген адамдарға теңестірілген адамдар мен олардың жұбайы (зайыбы);

"Қазақстан Республикасындағы сайлау туралы" Қазақстан Республикасының Конституциялық заңына және "Сыбайлас жемқорлыққа қарсы іс-қимыл туралы", "Қазақстан Республикасындағы банктер және банк қызметі туралы", "Сақтандыру қызметі туралы", "Бағалы қағаздар рыногы туралы" Қазақстан Республикасының заңдарына сәйкес декларация тапсыру міндеті жүктелген адамдар;

активтер мен міндеттемелер туралы декларацияны тапсыру жөніндегі міндеттемелерді орындаған адамдарды қоспағанда, мемлекеттік мекемелердің жұмыскерлері және олардың жұбайы, сондай-ақ квазимемлекеттік сектор субъектілерінің жұмыскерлері және олардың жұбайы;

активтер мен міндеттемелер туралы декларацияны тапсыру жөніндегі міндеттемелерді орындаған адамдарды қоспағанда, заңды тұлғалардың басшылары, құрылтайшылары (қатысушылары) мен олардың жұбайы (зайыбы), дара кәсіпкерлер мен олардың жұбайы (зайыбы) бойынша мәліметтерді ұсыну;

Жеке тұлғалардың банктік шоттарында жүргізілетін операцияларды кәсіпкерлік қызметті жүзеге асырудан кіріс алу белгілері бар операцияларға жатқызу өлшемшарттарын, мәліметтерді ұсыну тәртібін, нысаны мен мерзімдерін салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласында басшылықты жүзеге асыратын уәкілетті мемлекеттік орган Қазақстан Республикасының Ұлттық Банкімен келісу бойынша белгілейді;

1-10) банктердің мемлекеттік кірістер органына қызметі құмар ойындарды және (немесе) бәс тігуді ұйымдастыру және өткізу болып табылатын, оған қатысты камералдық бақылау жүзеге асырылатын заңды тұлғаның банктік шоттарының бар-жоғы және олардың нөмірлері, шоттарындағы ақша қалдықтары мен қозғалысы туралы мәліметтерді ұсынуы банк құпиясын жария ету болып табылмайды.

2) ол бойынша құқықтар (талаптар) бағалы қағаздар бойынша қамтамасыз ету ретінде берілетін банктік қарыз шарты (берілген кредит) бойынша, оның ішінде секьюритилендіру мәмілесін жүзеге асыру шеңберінде мәліметтерді бағалы қағаздар эмитентіне және бағалы қағаздарды ұстаушылардың өкіліне ұсыну;

2-2) бағалы қағаздар нарығында айла-шарғы жасау шарттарының біріне сәйкес келетін, бағалы қағаздардың ұйымдастырылған және ұйымдастырылмаған нарығында жасалған бағалы қағаздармен және өзге де қаржы құралдарымен операциялар туралы мәліметтерді уәкілетті органның ашуы;

3) жеке тұлғалардың банк шоттарындағы ақша қалдықтары және барлық банк операцияларын жүргізуге берілген лицензиядан айыруға байланысты енгізілген, банк және (немесе) уақытша әкімшілік солар бойынша есептеп шығарған сыйақы туралы, салымшыларға ақшасын қайтарумен байланысты іс-шараларды жүзеге асыру үшін агент банктерге; шот иесінің жазбаша келісімі негізінде аудиторлық ұйымға мәліметтер табыс ету;

3-1) өз депозиторларының және кредиторларының мүдделеріне қатер төндіретін және (немесе) қаржы жүйесінің тұрақтылығына қатер төндіретін қаржылық жағдайы орнықсыз банктер санатына жатқызылған және (немесе) төлемге қабілетсіз банктер санатына жатқызылған, депозиттерге міндетті кепілдік беру жүйесіне қатысушы-банктің, банкті басқару жөніндегі уақытша әкімшіліктің (банкті уақытша басқарушының) жеке тұлғалардың депозиттері бойынша мәліметтерді, сондай-ақ олардың міндеттемелері бойынша мәліметтерді, салымшы мен борышкер бір тұлға болған жағдайда, депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымға Қазақстан Республикасының депозиттерге міндетті кепілдік беру туралы заңнамасында көзделген функцияларды жүзеге асыру үшін ұсынуы;

3-2) банктің, барлық банк операцияларын жүргізуге арналған лицензиядан айыруға байланысты енгізілген уақытша әкімшіліктің, банктің тарату комиссиясының депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымға жеке тұлғалардың банктік шоттарындағы ақша қалдықтары және олар бойынша есепке жазылған сыйақы туралы мәліметтерді, сондай-ақ салымшы мен борышкер бір тұлға болған жағдайда – олардың міндеттемелері бойынша мәліметтерді ұсынуы;

4) басқа банктерге осы Заңның 61-2, 61-4, 61-11 және 61-12-баптарында көзделген операцияларды жүргізу үшін қажет мәліметтерді ұсыну;

4-1) банктердің электрондық нысанда қызметтер көрсететін субъектінің және электрондық нысанда қызметтер алатын субъектінің сұрау салуы бойынша – сұрау салуда көрсетілген тұлғаға банк шотының тиесілілігі және "Ақпараттандыру туралы" Қазақстан Республикасының Заңына сәйкес мемлекеттік қызметтерді электрондық нысанда көрсету кезінде жылжымалы мүліктің кепіл шартының бар-жоғы туралы мәліметтерді электрондық нысанда беруі;

4-2) банктердің электрондық нысанда қызметтер көрсететін субъектінің және электрондық нысанда қызметтер алатын субъектінің сұрау салуы бойынша, "Ақпараттандыру туралы" Қазақстан Республикасының Заңына сәйкес электрондық нысанда көрсетілетін қызметтер үшін жеке және заңды тұлғалар төлемдерді жүзеге асырған кезде ақша сомасы, төлемнің жүзеге асырылған күні, ақшаны жөнелтуші және бенефициар туралы мәліметтерді электрондық нысанда беруі;

4-3) банктің мемлекеттік кірістер органдарына шет мемлекеттің резиденттері (салық төлеушілері) болып табылатын және (немесе) ірі қатысушылары шет мемлекеттің резиденттері (салық төлеушілері) болып табылатын банк депозиторларының, клиенттерi мен корреспонденттерiнің банктік шоттарының бар-жоғы (ашылғаны), иелерi мен нөмiрлерi туралы, сондай-ақ осы шоттар мен банктің өз шоттарындағы ақша қалдықтары мен қозғалысы, банк операциялары туралы мәліметтерді және мемлекеттік кірістер органдарының Қазақстан Республикасының халықаралық шартында көзделген міндеттерді жүзеге асыруы үшін қажетті өзге де ақпаратты ұсынуы;

4-4) алып тасталды - ҚР 31.12.2021 № 100-VII (01.01.2022 бастап қолданысқа енгізіледі) Заңымен;

4-5) банктердің мемлекеттік кіріс органына тауарлардың электрондық сауда-саттығы жөніндегі қызметті жүзеге асыратын салық төлеушілер ретінде мемлекеттік кіріс органдарында тіркеу есебінде тұрған тұлғалардың банктік шоттарындағы ақшаның қалдықтары мен қозғалысы туралы мәліметтер ұсынуы;

4-6) банктің ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, банктің ақпараттық қауіпсіздігінің оқыс оқиғалары туралы ақпаратты уәкілетті органға беруі;

4-7) уәкілетті органның Қазақстан Республикасының қаржылық және (немесе) төлем жүйесінің тұрақтылығына қатер төнген кезде, ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, банктің ақпараттық қауіпсіздігінің оқыс оқиғалары туралы ақпаратты Ақпараттық қауіпсіздікті ұлттық үйлестіру орталығына беруі;

4-8) уәкілетті органның осы Заңның 57-бабы 9-тармағының бесінші бөлігінде көрсетілген ақпаратты аудиторлық ұйымға беруі;

4-9) кредиторлар синдикатына қатысушы банктің банк-агентке Қазақстан Республикасының жобалық қаржыландыру және секьюритилендiру туралы заңнамасына сәйкес синдикатталған қаржыландыруды ұйымдастыру және жүзеге асыру үшін қажетті мәліметтерді беруі;

5) екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданған ұйымға, сондай-ақ активтерді тәуелсіз бағалауды, техникалық және (немесе) қаржылық және (немесе) заң аудитін, сондай-ақ екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданған ұйым өзінің жарғылық қызметін жүзеге асыру үшін қажетті басқа да қызметтерді жүзеге асыратын заңды тұлғаға екінші деңгейдегі банктердің мәліметтер ұсынуы;

5-1) екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданатын ұйымға басқарма төрағасы немесе оның орынбасарлары қол қойған, ұйымның жазбаша сұрау салуы негізінде ұйымның қарыз алушысы, кепілі, кепілгері, лизинг алушысы немесе кепіл берушісі болып табылатын адамға қатысты берілетін, банк шоттарының бар-жоғы және нөмірлері, осы шоттардағы ақшаның қалдығы және қозғалысы, банк операциялары (банк операцияларын жүргізудің жалпы талаптарын қоспағанда) туралы анықтамаларды, сондай-ақ банктің сейф жәшiктерiнде, шкафтары мен үй-жайларында орналасқан мүліктің бар-жоғы, сипаты мен құны туралы мәлiметтерді ұйымның "Көшірмесі дұрыс" деген белгісі бар осы кредит бойынша ұйымның талап ету құқығын иеленуін растайтын құжаттардың көшірмесін ұсынған жағдайларда беруі – банк құпиясын ашу болып табылады.

"Көшірмесі дұрыс" деген жазу тырнақшасыз көрсетіледі, жеке кәсіпкерлік субъектілерін қоспағанда, құжаттардың көшірмелерін куәландыру жөнінде тиісті өкілеттіктер берілген ұйымның уәкілетті адамының лауазымы, тегі және аты-жөні, куәландыру күні көрсетіле отырып, оның қолымен куәландырылады және ұйым мөрінің бедерімен бекемделеді.

5-2) екінші деңгейдегі банктердің Қазақстан Республикасының Ұлттық Банкі бекіткен Ипотекалық тұрғын үй қарыздарын (ипотекалық қарыздарды) қайта қаржыландыру және (немесе) Қазақстан Республикасы банк секторының қаржылық орнықтылығын арттыру бағдарламаларын іске асыру үшін қажетті мәліметтерді дауыс беретін акцияларының жүз пайызы Қазақстан Республикасының Ұлттық Банкіне тиесілі орнықтылық ұйымына ұсынуы;

6) қайта құрылымдалатын банктің олардың алдындағы міндеттемелерді қайта құрылымдау көзделетін банк кредиторларына, басқа банктерге қайта құрылымдалатын активтер мен міндеттемелер бойынша қайта құрылымдау шеңберінде мәліметтерді табыс етуі;

7) банктердің және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың кредиттік бюроға теріс ақпарат беруі және кредиттік бюроның кредиттік тарих субъектісі туралы мерзімі күнтізбелік бір жүз сексен күннен асып кеткен берешегі бөлігінде теріс ақпарат беруі;

8) банктік қарыз шарты бойынша құқықтар (талаптар) басқаға берілген (қайта берілген) кезде осы Заңның 36-1-бабы 4-тармағының бірінші бөлігінде аталған тұлғалардың осы Заңның 36-1-бабы 4-тармағының бірінші бөлігінде аталған тұлғаларға банктік қарыз шарты (берілген кредит) бойынша ақпарат беруі;

8-1) екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданған ұйымның күмәнді және үмітсіз активтерді сенімгерлік басқаруды жүзеге асыратын заңды тұлғаға талап ету құқықтарын осы ұйым сатып алған кредит (қарыз) бойынша ақпаратты беруі;

8-2) осы Заңның 36-1-бабына сәйкес құқықтарды (талаптарды) сенімгерлік басқару шарты шеңберінде осы Заңның 36-1-бабы 4-тармағының бірінші бөлігінде аталған тұлғалардың коллекторлық агенттікпен жасалған нысанасы берешекті сотқа дейін өндіріп алу және реттеу, сондай-ақ берешекке байланысты ақпарат жинау бойынша қызметтер көрсету болып табылатын шарт шеңберінде осы коллекторлық агенттікке немесе сервистік компанияға кредит (қарыз) бойынша ақпарат беруі;

9) банктің Қазақстан Республикасының резиденті-банк холдингіне банк конгломератының пруденциялық нормативтерді есептеуі, сондай-ақ банк конгломератының тәуекелдерді басқару мен ішкі бақылау жүйесін қалыптастыру үшін мәліметтер беруі;

10) банктік қарыз беру фактісін растайтын құжаттарды басқа банктерге беруі;

11) алынып тасталды - ҚР 07.03.2014 № 177-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).
12) 01.01.2020 дейін қолданыста болды - ҚР 02.07.2014 № 225-V Заңымен (қолданысқа енгізілу тәртібін 2-баптан қараңыз).

13) қылмыстық қудалау органына қылмыстық құқық бұзушылық туралы хабарлама жіберу кезінде мемлекеттік органның лауазымды адамының немесе ұйымда басқарушылық функцияларды атқаратын адамның растаушы құжаттар мен материалдар ретінде банк құпиясын құрайтын құжаттар мен мәліметтерді ұсынуы;

14) жылжымайтын мүлікті иеліктен шығару туралы шартты нотариус жасайтын куәландыру бойынша жылжымайтын мүлікпен қолма-қол емес ақшасыз нысанда мәміле жасау үшін банк клиентіне ашылған эскроу-шоттағы ақшаның бар-жоғы және сомасы туралы ақпаратты банк клиентінің келісуімен нотариустың электрондық нысанда қалыптастырылған сұрау салуы бойынша банктің электрондық нысанда ұсынуы;

15) Қазақстан Республикасы Ұлттық Банкінің мемлекеттік кіріс органдары мен уәкілетті органға кәсіпкерлік субъектілерінің банктік шоттардан қолма-қол ақша алу қағидаларына сәйкес кәсіпкерлік субъектілерінің банктік шоттардан қолма-қол ақшаны белгіленген шекті мөлшерлерден асырып алуы туралы мәліметтер мен ақпаратты ұсынуы;

16) активтерді қайтару жөніндегі уәкілетті органның бірінші басшысы не оның міндетін атқаратын адам қол қойған, "Заңсыз иемденілген активтерді мемлекетке қайтару туралы" Қазақстан Республикасының Заңына сәйкес бекітілген тізілімнің үзінді-көшірмесі қоса берілген жазбаша сұрау салуы бойынша банктердің тізілімге енгізілген тұлғалар бойынша банк құпиясын құрайтын ақпаратты, мәліметтер мен құжаттарды беруі;

17) алаяқтық белгілері бар төлем транзакциялары бойынша деректер алмасу орталығы, қаржы ұйымдары, төлем ұйымдары, ұялы байланыс операторлары, қылмыстық қудалау органдары, Қазақстан Республикасының Ұлттық Банкі, уәкілетті орган арасында алаяқтық белгілері бар төлем транзакциялары бойынша деректер алмасу банк құпиясын жария ету болып табылмайды.

5. Банктік шоттардың бар екендігі және нөмiрлерi туралы анықтамалар шоттың (шоттардың) иесi қарыз алушы, кепiлдік берушi, кепілгер, лизинг алушы немесе кепiл берушi болып табылатын банкке кредит алынғанын растайтын, тізбесі мен ұсыну тәртібі Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленетін құжаттар ұсынылған жағдайда банктің сұратуы негізінде берiледi.

Банк сұратуды және кредит алынғанын растайтын құжаттарды қағаз жеткізгіште не электрондық нысанда жібере алады. Егер банктік шоттың иесі жеке тұлға болса, осы жеке тұлғаның банктік шоттарының бар-жоғы және нөмірлері туралы анықтамалар оның бар, соның ішінде кәсіпкерлік қызметке байланысты шоттары бойынша банкке беріледі.

6. Заңды тұлғаның және (немесе) оның құрылымдық бөлімшесінің банк шоттарының, сондай-ақ заңды тұлға құрмай кәсіпкерлік қызметті жүзеге асыратын жеке тұлғаның, жеке нотариустың, жеке сот орындаушысының, адвокаттың, кәсіби медиатордың ағымдағы шоттарының бар-жоғы және нөмiрлерi туралы, осы шоттардағы ақша қалдықтары және ақша қозғалысы туралы анықтамалар мыналарға берiледi:

а) қылмыстық қудалау функциясын жүзеге асыратын мемлекеттік органдарға және лауазымды адамдарға: мөрмен расталған және прокурор санкциялаған жазбаша сұрау салу негізінде, олардың іс жүргізуінде жатқан қылмыстық істер бойынша;

б) соттарға:

сот ұйғарымы, қаулысы, шешімі және үкімі негізінде олардың іс жүргізуінде жатқан iстер бойынша;

в) прокурорға: тексеру жүргiзу туралы қаулының негiзiнде, өз құзыретi шегiнде, өз қарауындағы материалдар бойынша;

в-1) прокурордың санкциясымен Қазақстан Республикасының ұлттық қауіпсіздік органдарына және Мемлекеттік күзет қызметіне – барлау және (немесе) нұқсан келтіру акцияларының алдын алу, оларды әшкерелеу және жолын кесу мақсатында;

г) алып тасталды - ҚР 28.11.2014 № 257-V Заңымен (қолданысқа енгізілу тәртібін 10-баптың 12) тармақшасынан қараңыз);

д) мемлекеттік кіріс органдарына салықтық әкімшілендіру, кедендік бақылау мақсатында мыналарға:

тексерілетін заңды тұлғаға және (немесе) оның құрылымдық бөлімшесіне қатысты – салық салуға байланысты мәселелер бойынша;

тексерілетін жеке тұлғаға;

дара кәсіпкер, жекеше нотариус, адвокат, жеке сот орындаушысы, кәсіби медиатор ретінде тіркеу есебінде тұрған, тексерілетін жеке тұлғаға қатысты – салық салуға байланысты мәселелер бойынша;

Қазақстан Республикасының салық заңнамасында белгіленген талап қоюдың ескіру мерзімінен аспайтын уақыт кезеңі үшін – дара кәсіпкер ретінде тіркеу есебінен шығарылған және қызметін оңайлатылған тәртіппен тоқтатқан жеке тұлғаға қатысты;

орналасқан жерінде іс жүзінде болмауы Қазақстан Республикасының салық заңнамасында белгіленген тәртіппен расталған және Қазақстан Республикасының салық заңнамасында көзделген жағдайларда осындай мерзімді ұзарту кезеңін қоспағанда, Қазақстан Республикасының салық заңнамасында белгіленген табыс ету мерзімінен кейін алты ай өткенге дейін салық есептілігін табыс етпеген заңды тұлғаға және (немесе) оның құрылымдық бөлімшесіне, дара кәсіпкерге, жекеше нотариусқа, жеке сот орындаушысына, адвокатқа, кәсіби медиаторға қатысты;

Қазақстан Республикасының салық заңнамасына сәйкес қызметі тоқтатылған кезде салықтық міндеттемені орындау ерекшеліктері қолданылатын заңды тұлғаға, дара кәсіпкерге, жекеше нотариусқа, жеке сот орындаушысына, адвокатқа, кәсіпқой медиаторға қатысты;

әрекетсіз заңды тұлғаға, дара кәсіпкерге, жекеше нотариусқа, адвокатқа қатысты;

кедендік тексеру шеңберінде Қазақстан Республикасының резиденттері болып табылатын тексерілетін заңды тұлғаға және (немесе) оның құрылымдық бөлімшесіне, дара кәсіпкерге қатысты;

пайда болған күнінен бастап төрт ай ішінде республикалық бюджет туралы заңда белгіленген және тиісті қаржы жылының 1 қаңтарында қолданыста болатын айлық есептік көрсеткіштің 10000 еселенген мөлшерінен асатын мөлшерде өтелмеген салық берешегі бар заңды тұлғаға, заңды тұлғаның құрылымдық бөлімшесіне, дара кәсіпкер ретінде тіркеу есебінде тұрған жеке тұлғаға қатысты;

д-1) мемлекеттік сот орындаушыларына: өздерінің іс жүргiзуіндегі атқарушылық іс жүргізу істері бойынша мемлекеттік сот орындаушысының әділет органының мөрімен расталған және прокурор санкциялаған қаулысы негiзiнде заңды тұлғаның және (немесе) оның құрылымдық бөлімшесінің банктік шоттарының бар-жоғы және нөмірлері туралы, осы шоттарда өндіріп алынатын сома шегінде ақшаның бар-жоғы туралы мәліметтер бөлігінде ғана;

д-2) жеке сот орындаушыларына: өздерінің іс жүргiзуіндегі атқарушылық іс жүргізу істері бойынша жеке сот орындаушысының жеке мөрімен расталған және прокурор санкциялаған қаулысы не жеке мөрмен расталған оның көшірмесі негізінде заңды тұлғаның және (немесе) оның құрылымдық бөлімшесінің банктік шоттарының бар-жоғы және нөмірлері туралы, осы шоттарда өндіріп алынатын сома шегінде ақшаның бар-жоғы туралы мәліметтер бөлігінде ғана;

д-3) прокурордың санкциясымен банкрот деп тану туралы заңды күшіне енген сот шешімі бар тұлғаға қатысты банкроттық және (немесе) оңалту туралы іс қозғалғанға дейінгі бес жыл ішіндегі кезең үшін оңалту және банкроттық саласындағы уәкiлеттi органға;

е) аумақтық әділет органына "Атқарушылық іс жүргізу және сот орындаушыларының мәртебесі туралы" Қазақстан Республикасының Заңында көзделген оңайлатылған іс жүргізу шеңберінде атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесінде қалыптастырылған және аумақтық әділет органы басшысының немесе оның орынбасарының электрондық цифрлық қолтаңбасы арқылы куәландырылған қаулы негізінде;

ж) қызметі құмар ойындарды және (немесе) бәс тігуді ұйымдастыру және өткізу болып табылатын заңды тұлғаға қатысты камералдық бақылауды жүзеге асыру мақсатында мемлекеттік кірістер органдарына беріледі.

6-1. Жеке тұлғаның банк шоттарының бар-жоғы және нөмірлері туралы, осы шоттардағы ақша қалдықтары және қозғалысы туралы анықтамалар мемлекеттік кіріс органдарына мыналарға:

заңда белгіленген тәртіппен Қазақстан Республикасының Президенттігіне, Қазақстан Республикасы Парламентінің және мәслихаттың депутаттығына, сондай-ақ жергілікті өзін-өзі басқару органдарының мүшелігіне кандидат ретінде тіркелген адамға және оның жұбайына (зайыбына) қатысты;

мемлекеттік лауазымға не мемлекеттік немесе оларға теңестірілген функцияларды орындауға байланысты лауазымға кандидат болып табылатын адамға және оның жұбайына (зайыбына) қатысты;

өз өкілеттіктерін орындау кезеңінде мемлекеттік лауазым атқаратын адамға және осы кезеңде оның жұбайына (зайыбына) қатысты;

жазасын өтеуден шартты түрде мерзімінен бұрын босатылған адамға қатысты беріледі.

Осы тармақта, осы баптың 6-тармағының д) тармақшасында, 6-2-тармағы бірінші бөлігінің 1) тармақшасында көзделген мәліметтер мемлекеттік кіріс органының сұрау салуы негізінде тек салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік орган белгілеген нысан бойынша салықтық әкімшілендіру мақсатында ғана Қазақстан Республикасының Ұлттық Банкімен келісу бойынша ұсынылады.

Осы баптың 6-2-тармағы бірінші бөлігінің 2) тармақшасында, 6-3 және 6-4-тармақтарында көзделген мәліметтер мемлекеттік кіріс органының сұрау салуы негізінде тек салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік орган белгілеген нысан бойынша салықтық әкімшілендіру мақсатында ғана уәкілетті органмен келісу бойынша ұсынылады.

ЗҚАИ-ның ескертпесі!
6-2-тармақ 01.01.2026 дейін қолданыста болады - ҚР 18.11.2015 № 412-V Заңымен.

6-2. Банктер мен банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік органға оның сұрау салуы негізінде мынадай:

1) активтер мен міндеттемелер туралы декларацияны ұсынуға міндетті жеке тұлғалардың банк шоттарының бар-жоғы, нөмірлері туралы және олардың осы шоттардағы ақша қалдықтары туралы;

2) сыйақыны қоса алғанда, өтеу сомаларын көрсете отырып, активтер мен міндеттемелер туралы декларацияны ұсынуға міндетті жеке тұлғаларға берілген кредиттер туралы мәліметтерді ұсынады.

Осы тармақта көрсетілген мәліметтерді салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласында басшылықты жүзеге асыратын уәкілетті мемлекеттік орган Қазақстан Республикасының салық заңнамасында айқындалған жеке тұлғаларда активтері мен міндеттемелері туралы декларацияны ұсыну жөніндегі міндет туындаған жылдың 1 қаңтарындағы жағдай бойынша сұратады.

Салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік органның осы тармақтың бірінші бөлігінде көзделген сұрау салуына активтер мен міндеттемелер туралы декларацияны ұсыну жөніндегі міндет туындаған жеке тұлғалардың тізімі қоса берілуге тиіс.

6-3. Тексерілетін жеке тұлғаға берілген кредиттер туралы, оның ішінде сыйақыны қоса алғанда, өтеу сомалары көрсетілген мәліметтерді банктер және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар мемлекеттік кіріс органдарының сұрау салулары бойынша Қазақстан Республикасының салық заңнамасына сәйкес ұсынады.

Мемлекеттік кіріс органдары осы тармақта көрсетілген мәліметтерді тексерілетін тұлғаға салық салумен байланысты мәселелер бойынша салықтық әкімшілендіру мақсатында пайдаланады.

6-4. Жеке тұлғаның Қазақстан Республикасында тұрғын үй сатып алу үшін алынған ипотекалық тұрғын үй қарыздары бойынша сыйақыны өтеуі туралы мәліметтерді беру бөлігіндегі банктік құпия мемлекеттік кіріс органдарының талабы негізінде ашылуы мүмкін. Мемлекеттік кіріс органдарының талабы банктердің немесе жекелеген банктік операциялар түрлерін жүзеге асыратын ұйымдардың кірістер мен мүлік туралы декларацияда көрсетілген ипотекалық тұрғын үй қарыздары бойынша сыйақыны өтеу туралы мәліметтер беруіне жеке тұлға (шот иесі) келіскен жағдайда ресімделеді.

6-5. Банктік шоттарының бар-жоғы (ашылғаны), нөмірлері туралы және осы шоттардағы ақша қалдықтары, сондай-ақ өзге де мүліктің, оның ішінде металл шоттарда орналастырылған немесе басқарудағы мүліктің бар-жоғы, түрі және құны туралы мәліметтерді банктер және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар Қазақстан Республикасының салық заңнамасына сәйкес салықтың және бюджетке төленетін басқа да міндетті төлемдердің түсімдерін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік органға:

1) бейрезидент жеке тұлғаларға және бейрезидент заңды тұлғаларға, сондай-ақ бенефициарлық меншік иелері бейрезиденттер болып табылатын заңды тұлғаларға;

2) Қазақстан Республикасының халықаралық шартына сәйкес жолданған шет мемлекеттің уәкілетті органының сұрау салуында көрсетілген жеке және заңды тұлғаларға қатысты ұсынады.

Осы тармақта көрсетілген мәліметтерді ұсыну тәртібін, мерзімдерін және нысанын уәкілетті органмен және Қазақстан Республикасының Ұлттық Банкімен келісу бойынша салықтың және бюджетке төленетін басқа да міндетті төлемдердің түсімдерін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік орган белгілейді.

7. Жеке тұлғаның банк шоттарының бар-жоғы және нөмiрлерi туралы, осы шоттардағы ақша қалдықтары мен ақша қозғалысы туралы анықтамалар, сондай-ақ оның банктiң сейф жәшiктерiнде, шкафтары мен үй-жайларында сақтаулы жатқан мүлкінің сипаты мен құны туралы қолда бар мәлiметтер мыналарға берiледi:

а) жеке тұлғаның өкiлдерiне:

нотариалды түрде куәландырылған сенiмхат негiзiнде;

б) анықтау және алдын ала тергеу органдарына: олардың іс жүргiзуіндегі қылмыстық iстер бойынша, жеке тұлғаның шоттарда немесе банкте сақтаулы жатқан ақшасына және өзге де мүлкiне тыйым салынуы, олардан өндiрiп алу немесе мүлкiн тәркiлеу қолданылуы мүмкiн болатын жағдайларда, анықтау немесе алдын ала тергеу органының біріншi басшысы немесе тергеушісi қол қойған, мөрiмен расталған жазбаша сұрау салу не біріншi басшының немесе тергеушiнің электрондық цифрлық қолтаңбасымен куәландырылған электрондық нысандағы сұрау салу, прокурордың санкциясы, оның ішінде электрондық нысанда салынған санкциясы негiзiнде;

в) соттарға:

шоттарда немесе банкiде сақтаулы жатқан жеке тұлғаның ақшасы мен өзге де мүлкiне арест салынуы, олар өндiрiп алынуы немесе мүлкiн тәркiлеу қолданылуы мүмкiн болатын реттерде, соттың ұйғарымы, қаулысы, шешімі, үкiмi негiзiнде олар жүргiзiп жатқан iстер бойынша;

г) прокурорға: қарауындағы материал бойынша оның құзыретi шегiнде, қағаз жеткізгіште немесе электрондық құжат нысанында ұсынылған тексеру жүргiзу туралы қаулының негiзiнде.

г-1) прокурордың санкциясымен Қазақстан Республикасының ұлттық қауіпсіздік органдарына және Мемлекеттік күзет қызметіне: барлау және (немесе) нұқсан келтіру акцияларының алдын алу, оларды әшкерелеу және жолын кесу мақсатында;

д) (алып тасталды)

е) (алып тасталды)

ж) мемлекеттік сот орындаушыларына: мемлекеттік сот орындаушысының әділет органының мөрімен расталған және прокурор санкциялаған қаулысының негізінде өздерінің іс жүргізуіндегі атқарушылық іс жүргізу істері бойынша борышкер жеке тұлғаның банк шоттарының бар-жоғы және нөмiрлерi туралы, осы шоттарда өндіріп алу сомасы шегіндегі ақшаның бар-жоғы туралы, ал ақша жеткіліксіз болған жағдайда атқарушылық іс жүргізу қозғалған кезден бастап осы шоттардағы ақша қозғалысы туралы және сейф жәшіктерінің бар-жоғы туралы мәліметтер бөлігінде ғана;

з) жеке сот орындаушыларына: жеке сот орындаушысының өз жеке мөрімен растаған және прокурор санкциялаған қаулысының негізінде өздерінің іс жүргізуіндегі атқарушылық іс жүргізу істері бойынша борышкер жеке тұлғаның банк шоттарының бар-жоғы және нөмiрлерi туралы, осы шоттарда өндіріп алу сомасы шегіндегі ақшаның бар-жоғы туралы, ал ақша жеткіліксіз болған жағдайда атқарушылық іс жүргізу қозғалған кезден бастап осы шоттардағы ақша қозғалысы туралы және сейф жәшіктерінің бар-жоғы туралы мәліметтер бөлігінде ғана;

з-1) аумақтық әділет органына "Атқарушылық іс жүргізу және сот орындаушыларының мәртебесі туралы" Қазақстан Республикасының Заңында көзделген оңайлатылған іс жүргізу шеңберінде атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесінде қалыптастырылған және аумақтық әділет органы басшысының немесе оның орынбасарының электрондық цифрлық қолтаңбасы арқылы куәландырылған қаулы негізінде, борышкер-жеке тұлғаның банктік шоттарының бар-жоғы және олардың нөмірлері туралы, осы шоттарда өндіріп алынатын сома шегіндегі ақшаның бар-жоғы туралы, ал ақша жеткіліксіз болған жағдайда оңайлатылған іс жүргізу қозғалған кезден бастап осы шоттардағы ақша қозғалысы және сейф жәшіктерінің бар-жоғы туралы мәліметтер бөлігінде ғана;

и) төлем қабілеттілігін қалпына келтіру рәсімін немесе сот арқылы банкроттық рәсімін қолдану туралы іс қозғалған жеке тұлғаның банктік шоттарының бар-жоғы және нөмірлері, осы шоттардағы ақша қалдықтары туралы, сондай-ақ төлем қабілеттілігін қалпына келтіру рәсімін немесе сот арқылы банкроттық рәсімін қолдану туралы іс қозғалғанға дейінгі үш жыл ішіндегі кезеңде осындай шоттар бойынша ақша қозғалысы туралы мәліметтерді ұсыну туралы сұрау салу негізінде қаржы басқарушысына прокурордың санкциясымен беріледі. Өкілеттіктерді растау мақсатында сұрау салуға соттың рәсімді қолдану туралы іс қозғау жөніндегі ұйғарымы қоса беріледі.

к) "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңында көзделген рәсімдерді қолдану туралы арыз берген азаматқа қатысты банктік шоттардың бар-жоғы және нөмірлері, осы шоттардағы ақша қалдықтары туралы, сондай-ақ сұрау салу берілгенге дейінгі үш жыл ішіндегі кезеңде осындай шоттар бойынша ақша қозғалысы туралы мәліметтерді ұсыну туралы сұрау салу негізінде Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы бойынша мемлекеттік басқару саласындағы уәкілетті органға беріледі.

7-1. Клиенттің банктік шоттарының бар-жоғы екендігі және нөмiрлерi, банктік шоттары бойынша ақша қалдықтары мен қозғалысы туралы осы баптың 6 және 7-тармақтарында көзделген анықтамалар уәкілетті органның, Қазақстан Республикасы Ұлттық Банкінің сұратуы алынған күннен бастап үш операциялық күн ішінде қағаз жеткізгіште немесе электрондық нысанда ұсынылады.

Анықтама сот орындаушысының прокурор санкциялаған қаулысы атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы электрондық нысанда келіп түскен кезде электрондық құжат нысанында ұсынылуы мүмкін.

Клиенттің банктік шоттарының бар екендігі және нөмiрлерi, банктік шоттары бойынша ақша қалдықтары мен қозғалысы туралы қағаз жеткізгіште ұсынылатын анықтамалар клиенттiң банктік шоттары бойынша ақша қозғалысы туралы үзінді-көшірме нысанында жіберіледі және Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актісінде айқындалған мәліметтерді қамтиды.

Клиенттің банктік шоттарының бар екендігі және нөмiрлерi, банктік шоттары бойынша ақша қалдықтары және қозғалысы туралы анықтамалар осы баптың 6-тармағының а), б), в), д), д-1) және д-2) тармақшаларында, сондай-ақ 7-тармағының б), в), г), ж) және з) тармақшаларында аталған тұлғаларға қағаз жеткізгіштегі немесе электрондық нысандағы сұрату негізінде беріледі.

7-2. Банк омбудсманына өзінің қарауында жатқан, қарыз алушы жеке тұлғалардың банктік қарыз шарттарынан туындайтын келіспеушіліктерді реттеу жөніндегі өтініштерін қарау бойынша банктік құпия ашылуы мүмкін.

8. Жеке тұлғаның банктік шоттарының бар-жоғы және нөмiрлерi және олардағы ақшаның қалдығы туралы анықтамалар, сондай-ақ банктiң сейф жәшiктерiнде, шкафтары мен үй-жайларында сақтаулы жатқан оның мүлкiнiң бар-жоғы, сипаты мен құны туралы қолда бар мәлiметтер, иесi қайтыс болған жағдайда мыналарға:

1) мұра өкiмiнде шот (мүлiк) иесi деп көрсетiлген адамдарға;

2) сот ұйғарымы, қаулысы немесе нотариустың сұрау салуы негізінде, өздерінің іс жүргізуінде жатқан мұрагерлік істер бойынша соттар мен нотариустарға;

3) шетелдiк консулдық мекемелерге: олар жүргізіп жатқан мұрагерлiк iстер бойынша;

4) мұрагерлерге беріледі.

8-1. "Қазақстан Республикасының азаматтарына, оралмандарға және Қазақстан Республикасында тұруға ықтиярхаты бар адамдарға олардың мүлікті жария етуіне байланысты рақымшылық жасау туралы" Қазақстан Республикасының Заңына сәйкес жеке тұлғаның, оның ішінде кәсіпкерлік қызметін заңды тұлға құрмастан жүзеге асыратын жеке тұлғаның, жекеше нотариустың, жеке сот орындаушысының, адвокаттың, кәсіби медиатордың банктік шоттарының болуы және нөмірлері туралы, жария ету субъектілерінің ақшаны жария ету үшін ашылған осы шоттардағы ақшаның қалдықтары мен қозғалысы туралы анықтама Бас Прокурордың немесе оның орынбасарларының санкциясымен анықтау және алдын ала тергеу органдарына, мемлекеттік кіріс органдарына беріледі.

9. (алып тасталды)

10. Уәкілетті орган Қаржы нарығы мен қаржы ұйымдарын мемлекеттік реттеу, бақылау және қадағалау туралы" Қазақстан Республикасы Заңының 15-бабының 4-тармағында көрсетілген ұйымдарға банктік құпияны қамтитын ақпаратты аталған бапта көзделген шарттармен береді.

Қазақстан Республикасының Ұлттық Банкі "Қазақстан Республикасының Ұлттық Банкі туралы" Қазақстан Республикасы Заңының 8-бабының 38-2) тармақшасында көрсетілген ұйымдарға банк құпиясын қамтитын ақпаратты аталған бапта көзделген шарттармен береді.

Уәкілетті орган, Қазақстан Республикасының Ұлттық Банкі Қазақстан Республикасының халықаралық шарттарына, құпия ақпарат алмасуды көздейтін шарттарға сәйкес алынған ақпаратты Қазақстан Республикасының басқа мемлекеттік органдарына өзіне осындай ақпаратты ұсынған тараптың келісімімен ғана береді.

11. Мемлекеттік кіріс органдарының сұратуларын қоспағанда, осы баптың 6 және 7-тармақтарында тізбеленген мемлекеттік органдардың немесе лауазымды адамдардың қағаз жеткізгіштегі сұратулары, қаулылары мемлекеттік органның немесе лауазымды адамның мөрімен куәландыруға жатады.

Мемлекеттік органдардың немесе лауазымды адамдардың сұратуларының, қаулыларының көшірмелері ұсынылған кезде көрсетілген құжаттардың көшірмелерінде "Көшірмесі дұрыс" деген белгі қойылады. "Көшірмесі дұрыс" деген белгі тырнақшасыз көрсетіледі, құжаттардың көшірмелерін куәландыру жөніндегі өкілеттіктер берілген уәкілетті адамның лауазымы, тегі және аты-жөні, куәландырған күні көрсетіліп, оның қолымен және мемлекеттік органның немесе лауазымды адамның мөрімен куәландырылады.

12. Банк құпиясын құрайтын мәліметтерді қамтитын құжаттарды немесе олардың көшірмелерін алып қою және (немесе) талап етіп алдыру Қазақстан Республикасы Қылмыстық-процестік кодексінің нормаларына сәйкес сот санкциялаған алу ісін жүргізу туралы қаулылар негізінде немесе Қазақстан Республикасының Азаматтық процестік кодексінде айқындалған тәртіппен соттың ұйғарымы негізінде жүргізіледі.

13. Осы баптың талаптары банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға да қолданылады.

Ескерту. 50-бапқа өзгерістер енгізілді - ҚР Президентiнiң 1996.01.27 № 2830 Заң күші бар Жарлығымен, ҚР 1996.09.27 № 37, 1997.07.11 № 154, 1998.06.29 № 236, 2000.03.29 № 42, 2003.07.10 № 483 (01.01.2004 бастап қолданысқа енгізіледі), 2004.07.06 № 572, 2004.12.13 № 11 (күшіне ену тәртібін 2-баптан қараңыз), 2005.07.08 № 69, 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.06.22 № 147, 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.12.10 № 101-IV (2009 жылғы 1 қаңтардан бастап қолданысқа енгізіледі), 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.08.28 № 192-IV (2010.03.08 бастап қолданысқа енгізіледі), 2009.12.30 № 234-IV (қолданысқа енгізілу тәртібін 2-б. қараңыз), 2010.04.02 № 262-IV (2010.10.21 бастап қолданысқа енгізіледі), 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2011.07.21 № 467-IV (2011.07.01 бастап қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.06.21 № 19-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.12.26 № 61-V (2013.01.01 бастап қолданысқа енгізіледі); 07.03.2014 № 177-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2014 № 225-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 29.09.2014 № 239-V (алғашқы ресми жарияланған күнінен кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi); 07.11.2014 № 248-V (алғашқы ресми жарияланған күнінен кейiн күнтiзбелiк он күн өткен соң қолданысқа енгiзiледi); 28.11.2014 № 257-V (қолданысқа енгізілу тәртібін 10-баптың 12) тармақшасынан қараңыз); 29.12.2014 № 269-V (01.01.2015 бастап қолданысқа енгізіледі); 27.04.2015 № 311-V (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.08.2015 № 343-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 29.10.2015 № 376-V (01.01.2016 бастап қолданысқа енгізіледі); 31.10.2015 № 378-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 13.11.2015 № 400-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 18.11.2015 № 412-V (01.01.2021 бастап қолданысқа енгізіледі); 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 26.07.2016 № 12-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік отыз күн өткен соң қолданысқа енгізіледі); 30.11.2016 № 26-VI (01.01.2017 бастап қолданысқа енгізіледі); 28.12.2016 № 36-VI (алғашқы ресми жарияланған күнінен кейін екі ай өткен соң қолданысқа енгізіледі); 06.05.2017 № 63-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік жиырма бір күн өткен соң қолданысқа енгізіледі); 25.12.2017 № 122-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 26.12.2017 № 124-VI (01.01.2018 бастап қолданысқа енгізіледі); 28.12.2017 № 128-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.05.2018 № 156-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 21.01.2019 № 217-VI (алғашқы ресми жарияланған күнінен бастап үш ай өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 25.06.2020 № 347-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2020 № 359-VI (01.01.2021 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 31.12.2021 № 100-VII (қолданысқа енгізілу тәртібін 2-б. қараңыз); 14.07.2022 № 141-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 04.07.2022 № 133-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 179-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 12.07.2023 № 23-VIII (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 06.04.2024 № 71-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 21.05.2024 № 86-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 08.07.2024 № 116-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

51-бап. Банкiде жатқан ақша мен мүлiкке тыйым салу және олардан өндiрiп алу

Ескерту. 51-баптың тақырыбына өзгеріс енгізілді - ҚР 15.01.2014 № 164-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

1. Жеке немесе заңды тұлғаның банктік шоттардағы ақшасына және басқа да мүлкiне сот актілері негізінде соттар және сот орындаушыларының прокурор санкциялаған қаулылары негізінде, сондай-ақ атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы алынған аумақтық әділет органдарының қаулылары негізінде сот орындаушылары тыйым салуы мүмкін. Жеке немесе заңды тұлғаның банктік шоттардағы ақшасына және басқа да мүлкiне Қазақстан Республикасының Қылмыстық-процестік заңнамасында көзделген негіздер бойынша және тәртіппен мүлікке билік етуге уақытша шектеу, мүлікпен мәмілелер және өзге де операциялар жасауға шектеулер белгіленуі мүмкін.

Мүлікке билік етуге уақытша шектеу, мүлікпен мәмілелер және өзге де операциялар жасауға шектеулер белгілеуге, мыналарға:

1) мемлекеттік бюджеттен және (немесе) Мемлекеттік әлеуметтік сақтандыру қорынан төленетін жәрдемақылар мен әлеуметтік төлемдерді есепке жатқызуға арналған банктік шоттардағы ақшаға және (немесе) электрондық ақшаның электрондық әмияндарындағы электрондық ақшаға;

2) тұрғын үй төлемдерін, тұрғын үй жағдайларын жақсарту және (немесе) емделуге ақы төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін біржолғы зейнетақы төлемдерін, нысаналы активтерді, тұрғын үй жағдайларын жақсарту және (немесе) білім беру ақысын төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін нысаналы жинақ төлемдерін есепке жатқызуға арналған банктік шоттардағы ақшаға;

2-1) тұрғын үй төлемдерін пайдалану есебінен жинақталған тұрғын үй құрылысы жинақ ақшасы түріндегі, тұрғын үй жағдайларын жақсарту және (немесе) білім беру ақысын төлеу мақсатында бірыңғай жинақтаушы зейнетақы қорынан төленетін нысаналы жинақ төлемдері түріндегі тұрғын үй құрылысы жинақ банктеріндегі банктік шоттардағы ақшаға, кондоминиум объектісінің ортақ мүлкіне күрделі жөндеу жүргізу мақсатында жасалатын шарттар бойынша міндеттемелердің орындалмауы туралы істер бойынша сот шешімдері негізінде өндіріп алуларды қоспағанда, кондоминиум объектісінің ортақ мүлкін күрделі жөндеуге арналған жинақтар түріндегі екінші деңгейдегі банктердегі банктік шоттардағы ақшаға;

2-2) жеке тұрғын үй қорынан жалға алынған тұрғын үйге ақы төлеу мақсатында төлемдер мен субсидияларды есепке жатқызуға арналған тұрғын үй құрылысы жинақ банкіндегі банктік шоттардағы ақшаға;

3) нотариус депозиті шарттарында енгізілген ақшаға;

4) "Мемлекеттік білім беру жинақтау жүйесі туралы" Қазақстан Республикасының Заңына сәйкес жасалған білім беру жинақтау салымы туралы шарт бойынша банктік шоттардағы ақшаға;

5) банктік шоттардағы әлеуметтік медициналық сақтандыру қорының активтеріне және тегін медициналық көмектің кепілдік берілген көлеміне бөлінетін нысаналы жарна қаражатына;

5-1) инвестициялық портфельді басқарушының орындалмаған міндеттемелері бойынша, осы инвестициялық портфельді басқарушы клиенттерінің ақшасын есепке алуға арналған банктік шоттардағы ақшаға;

5-2) номиналды ұстаушы функцияларын жүзеге асыратын тұлғаның орындалмаған міндеттемелері бойынша, осы номиналды ұстаушы функцияларын жүзеге асыратын тұлға клиенттерінің ақшасын есепке алуға арналған банктік шоттардағы ақшаға;

5-3) қаржы құралдарымен жасалатын мәмілелер бойынша клирингтік қызметті жүзеге асыру үшін банктік шоттардағы ақшаға;

6) уәкілетті орган лицензиядан айырған және (немесе) мәжбүрлеп тарату процесінде тұрған банктердің, сақтандыру (қайта сақтандыру) ұйымдарының, ерікті жинақтаушы зейнетақы қорларының ақшасына;

6-1) уәкілетті мемлекеттік орган лицензиядан айырған және қызметі мәжбүрлеп тоқтату процесінде тұрған Қазақстан Республикасы бейрезидент-банктері филиалдарының, Қазақстан Республикасы бейрезидент-сақтандыру (қайта сақтандыру) ұйымдары филиалдарының ақшасына;

7) Қазақстан Республикасының мемлекеттік-жекешелік әріптестік саласындағы және концессиялар туралы заңнамасына сәйкес инвестициялық шығындардың өтемақысын есепке жатқызуға арналған банктік шоттардағы ақшаға;

8) жеке сот орындаушысының өндіріп алушылардың пайдасына өндiрiп алынған сомаларды сақтауға арналған ағымдағы шотындағы ақшаға;

9) әлеуетті өнім берушілердің немесе өнім берушілердің "Мемлекеттік сатып алу туралы" Қазақстан Республикасының Заңына сәйкес мемлекеттік сатып алуға қатысу шеңберінде қамтамасыз ету шаралары ретінде ақша енгізуіне арналған мемлекеттік сатып алу саласындағы бірыңғай оператордың банктік шотындағы ақшаға;

10) өзіне қатысты "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңына сәйкес рәсімді қолдану туралы іс қозғалған немесе рәсім қолданылған азаматтың банктік шоттарындағы ақшаға;

11) "Қазақстан Республикасы азаматтарының төлем қабілеттілігін қалпына келтіру және банкроттығы туралы" Қазақстан Республикасының Заңына сәйкес сот арқылы банкроттық рәсімінде ақшаны есепке жатқызу үшін қаржы басқарушысының ағымдағы шотындағы ақшаға;

12) Қазақстан Республикасы Әлеуметтік кодексінің 112-бабы 4-тармағының 1) тармақшасынаа сәйкес берілетін материалдық көмекті есепке жатқызуға арналған банктік шоттардағы ақшаға тыйым салуды қолдануға жол берілмейді.

Осы тармақтың екінші бөлігі 7) тармақшасының ережесі мемлекеттік кіріс органдары, сондай-ақ сот актілерінің негізінде соттар және сот орындаушыларының прокурор санкциялаған қаулылары негізінде сот орындаушылары қоятын, Қазақстан Республикасы Азаматтық кодексінің 742-бабының 2-тармағында көзделген кезектілікке сәйкес бірінші, екінші және үшінші кезектерге жататын талаптар бар шектеулерге қолданылмайды.

Осы тармақтың екінші бөлігінің 8) тармақшасының ережесі атқарушылық құжаттардың орындалуын қамтамасыз ету саласындағы уәкілетті орган, оның аумақтық органдары лицензиясының қолданысы тоқтатыла тұрған немесе тоқтатылған не лицензиясынан айырылған жеке сот орындаушысының өндіріп алушылардың пайдасына өндіріп алынған сомаларды сақтауға арналған ағымдағы шоты бойынша шығыс операцияларын тоқтата тұру туралы қоятын шектеулерге қолданылмайды.

Атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы алынған, оңайлатылған іс жүргізу шеңберіндегі аумақтық әділет органының қаулысы негізінде атқарушылық құжаттың орындалуын қамтамасыз ету үшін тыйым салу кезінде тыйым салынатын ақша сомасы мен мүлік құны атқарушылық құжатта көрсетілген сомадан аспауға тиіс.

Атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы алынған, оңайлатылған іс жүргізу шеңберіндегі аумақтық әділет органының қаулысы прокурордың санкциялауына жатпайды.

Талап қою талаптарын қамтамасыз ету үшін тыйым салынған кезде тыйым салынатын ақша сомасы талап қою сомасы мен мемлекеттік баж мөлшерінен және соттың шешімдерін, үкімдерін, ұйғарымдары мен қаулыларын орындауға байланысты шығыстардан аспауға тиіс. Сот орындаушысы атқарушылық құжаттың орындалуын қамтамасыз ету үшін тыйым салған кезде тыйым салынатын ақша сомасы мен мүлік құны өндіріп алушыға ұйғарылған соманы өтеуге қажетті сомадан, сондай-ақ атқарушылық құжатты орындау процесінде борышкерге салынған айыппұлдардан, жеке сот орындаушысының қызметіне ақы төлеу сомаларынан және орындау жөніндегі шығыстардан аспауға тиіс.

Бұл ретте сот орындаушыларының прокурор санкциялаған қаулылары қағаз жеткізгіште немесе атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы электрондық нысанда жіберілуі мүмкін.

Жеке және заңды тұлғалардың ақшасына тыйым салу үшін соттар, анықтау және алдын ала тергеу органдары, сот орындаушылары, аумақтық әділет органдары Қазақстан Республикасы заңнамасының талаптарына сәйкес банктерге немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға құжаттарды жібереді.

Заңды тұлғаның, оның құрылымдық бөлімшелерінің, Қазақстан Республикасында қызметін тұрақты мекеме арқылы жүзеге асыратын бейрезиденттің, дара кәсіпкер, жекеше нотариус, жеке сот орындаушысы, адвокат және кәсіби медиатор ретінде тіркеу есебінде тұрған жеке тұлғаның банктік шоттарындағы (корреспонденттiк шоттардан басқа) барлық шығыс операциялары Қазақстан Республикасының заңдарында белгiленген жағдайларда мемлекеттік кіріс органдарының өкімдері бойынша тоқтатыла тұруы мүмкiн, ал өндiрiп алу Қазақстан Республикасының заңдарында көзделген негiздер бойынша ғана қолданылуы мүмкiн. Лицензиясының қолданысы тоқтатыла тұрған немесе тоқтатылған не лицензиясынан айырылған жеке сот орындаушысының өндіріп алушылардың пайдасына өндіріп алынған сомаларды сақтауға арналған ағымдағы шоты бойынша шығыс операциялар атқарушылық құжаттардың орындалуын қамтамасыз ету саласындағы уәкілетті органның, оның аумақтық органдарының өкімі негізінде тоқтатыла тұруы мүмкін.

Жеке және заңды тұлғаның банктік шоттары бойынша операциялар "Қылмыстық жолмен алынған кірістерді заңдастыруға (жылыстатуға) және терроризмді қаржыландыруға қарсы іс-қимыл туралы" Қазақстан Республикасының Заңында көзделген жағдайларда және тәртіппен тоқтатыла тұрады.

Бұл ретте мемлекеттік кіріс органдарының, атқарушылық құжаттардың орындалуын қамтамасыз ету саласындағы уәкілетті органның, оның аумақтық органдарының өкімдері банктерге немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдарға қағаз жеткізгіште немесе телекоммуникациялар желісі бойынша беру не атқарушылық іс жүргізудің мемлекеттік автоматтандырылған ақпараттық жүйесі арқылы электрондық нысанда жіберілуі мүмкін.

Қағаз жеткізгіште жіберілетін өкімге мемлекеттік кіріс органдарының бірiншi басшысы қол қоюға және олардың мөрiмен куәландырылуға не атқарушылық құжаттардың орындалуын қамтамасыз ету саласындағы уәкілетті органның құрылымдық бөлімшесінің, оның аумақтық органдарының басшысы қол қоюға және олардың мөрiмен куәландырылуға тиіс.

Мемлекеттік кірістер органдарының не атқарушылық құжаттардың орындалуын қамтамасыз ету саласындағы уәкілетті органның, оның аумақтық органдарының электрондық нысанда жіберілетін өкімі Қазақстан Республикасының Ұлттық Банкімен келісу бойынша уәкілетті мемлекеттік органдар белгілеген форматтарға сәйкес қалыптастырылады.

1-1. Қазақстан Республикасының қылмыстық-процестік заңнамасының талаптарына сәйкес прокурордың келісімі болмаған жағдайда, банктер банктегі мүлікке билік етуді уақытша шектеу туралы актілерді орындаудан бас тартады.

Тыйым салынатын сома болмаған және (немесе) Қазақстан Республикасының қылмыстық-процестік заңнамасының және Қазақстан Республикасының атқарушылық іс жүргізу және сот орындаушыларының мәртебесі туралы заңнамасының көзделген келісімдер не санкциялар болмаған жағдайда, банктер тыйым салу туралы актілерді орындаудан бас тартады.

2. Зейнетақы активтерін, әлеуметтік медициналық сақтандыру қорының активтерін және тегін медициналық көмектің кепілдік берілген көлеміне бөлінетін нысаналы жарна қаражатын қоспағанда, жеке және заңды тұлғаның банктегі ақшасы мен басқа да мүлкін тәркілеу соттың заңды күшіне енген шешімі (үкімі) негізінде ғана жүргізілуі мүмкін.

Ескерту. 51-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 2000.03.29 № 42, 2002.08.09 № 346, 2006.06.22 № 147, 2008.12.10 № 101-IV (2009.01.01 бастап қолданысқа енгізіледі), 2009.08.28 № 192-IV (2010.03.08 бастап қолданысқа енгізіледі), 2010.04.02 № 262-IV (2010.10.21 бастап қолданысқа енгізіледі), 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2011.07.21 № 467-IV (2012.01.01 бастап қолданысқа енгізіледі), 2012.06.21 № 19-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 21.06.2013 № 106-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 15.01.2014 № 164-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 2014.06.10 № 206-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 28.11.2014 № 257-V (қолданысқа енгізілу тәртібін 10-баптың 12) тармақшасынан қараңыз); 29.10.2015 № 376-V (01.01.2016 бастап қолданысқа енгізіледі); 12.11.2015 № 393-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.11.2015 № 406-V (01.07.2017 бастап қолданысқа енгізіледі); 24.11.2015 № 419-V (01.01.2016 бастап қолданысқа енгізіледі); 26.07.2016 № 12-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік отыз күн өткен соң қолданысқа енгізіледі); 30.06.2017 № 80-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.12.2017 № 114-VI (01.01.2018 бастап қолданысқа енгізіледі); 04.07.2018 № 171-VІ (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 21.01.2019 № 217-VI (алғашқы ресми жарияланған күнінен бастап үш ай өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 26.12.2019 № 284-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 26.06.2020 № 349-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 30.12.2020 № 397-VI (алғашқы ресми жарияланған күнінен кейін алты ай өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 15.11.2021 № 72-VII (01.01.2022 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 177-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 30.12.2022 № 179-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.04.2023 № 223-VII (01.01.2024 бастап қолданысқа енгізіледі); 16.11.2023 № 40-VIII (01.01.2024 бастап қолданысқа енгізіледі); 16.05.2024 № 82-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

52-бап. Депозиттерге міндетті кепілдік беру

Ескерту. 52-бап алынып тасталды - ҚР 2009.07.11 № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

4-1-тарау. Ислам банктерін құрудың және оның қызметінің ерекшеліктері

Ескерту. Заң 4-1-тараумен толықтырылды – ҚР 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

52-1-бап. Ислам банкінің қызметіне қойылатын талаптар

Ислам банкінің пайыз түрінде сыйақы алуға, инвестициялық депозитті қайтаруға немесе ол бойынша табысқа кепілдік беруге, темекі, ішімдік өнімдерін, қару-жарақ пен оқ-дәрі шығарумен және (немесе) сатумен, құмар ойындармен байланысты қызметті, сондай-ақ исламдық қаржыландыру принциптері жөніндегі кеңес қаржыландыруға (кредиттеуге) тыйым салған кәсіпкерлік қызметтің өзге де түрлерін қаржыландыруға (кредиттеуге) құқығы жоқ.

Исламдық қаржыландыру принциптері жөніндегі кеңес ислам банкінің қызметіне ислам банкі сақтауға міндетті өзге де талаптарды қосымша айқындауға құқылы.

52-2-бап. Исламдық қаржыландыру принциптері жөніндегі кеңестің қызметі

1. Ислам банкі қызметінің, операцияларының және мәмілелерінің осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес болуын айқындау үшін ислам банкінде міндетті түрде исламдық қаржыландыру принциптері жөніндегі кеңес құрылады.

2. Исламдық қаржыландыру принциптері жөніндегі кеңес директорлар кеңесінің ұсынысы бойынша ислам банкі акционерлерінің жалпы жиналысы тағайындайтын тәуелсіз орган болып табылады.

3. Ислам банкінің операцияларын жүргізудің жалпы талаптары туралы ережені, Ислам банкінің ішкі кредиттік саясаты туралы ережені исламдық қаржыландыру принциптері жөніндегі кеңестің оң қорытындысы болған кезде ислам банкінің директорлар кеңесі бекітуге тиіс.

4. Егер осы Заңда, ислам банкінің жарғысында немесе ішкі ережелерінде өзгеше көзделмесе, ислам банкінің кредиттік комитетінің ислам банкінің ішкі кредиттік саясаты туралы ережеге сәйкес қабылданған шешімдері және Ислам банкінің операцияларын жүргізудің жалпы талаптары туралы ережеге сәйкес жасалған мәмілелер исламдық қаржыландыру принциптері жөніндегі кеңестің жеке бекітуін талап етпейді. Бұл ретте, исламдық қаржыландыру принциптері жөніндегі кеңестің қандай да бір мәмілені осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келуі тұрғысынан өз қарауы бойынша тексеруге құқығы бар.

52-3-бап. Ислам банкінің операциялары мен мәмілелерін ислам банкінің қызметіне қойылатын талаптарға сәйкес келмейді деп танудың салдары

1. Исламдық қаржыландыру принциптері жөніндегі кеңес жасалу сатысындағы мәмілені осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келмейді деп таныған жағдайда, мұндай мәміленің жасалуы және орындалуы мүмкін емес.

2. Исламдық қаржыландыру принциптері жөніндегі кеңес осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келмейтін мәмілені жасалған, бірақ орындалмаған немесе ішінара орындалған деп таныған жағдайда, мұндай мәміле ислам банкінің талабы бойынша Қазақстан Республикасының азаматтық заңнамасында белгіленген тәртіппен мерзімінен бұрын бұзылады.

3. Исламдық қаржыландыру принциптері жөніндегі кеңес осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келмейтін мәмілені орындалған немесе ішінара орындалған деп таныған жағдайда, ислам банкінің осындай мәміле бойынша табысы қайырымдылық ісіне бағытталуға тиіс.

52-4-бап. Ислам банкінің жарғысына қойылатын қосымша талаптар

Ислам банкінің жарғысы осы Заңның 14-бабында көзделген мәліметтерден бөлек мыналарды:

1) ислам банкі қызметінің мақсаттарын;

2) ислам банкінің тұрақты жұмыс істейтін органы - исламдық қаржыландыру принциптері жөніндегі кеңестің міндеттерін, функцияларын және өкілеттіктерін, сондай-ақ оны құрудың тәртібі мен исламдық қаржыландыру принциптері жөніндегі кеңестің мүшелеріне қойылатын талаптарды қамтуға тиіс.

52-5-бап. Ислам банкінің банк операциялары және өзге де операциялары

1. Мына операциялар:

1) жеке және заңды тұлғалардан талап етуге дейінгі пайызсыз депозиттерді қабылдау, жеке және заңды тұлғалардың банк шоттарын ашу және жүргізу;

2) жеке және заңды тұлғалардың инвестициялық депозиттерін қабылдау;

3) банктік қарыз операциялары: ислам банкінің мерзімділік, қайтарымдылық шарттарымен және сыйақы алмай ақшалай нысанда кредиттер беруі;

4) жеке және заңды тұлғаларды:

тауарды үшінші тұлғаға кейіннен сату туралы шарттарсыз;

тауарды үшінші тұлғаға кейіннен сату шарттарымен коммерциялық кредит беру арқылы сауда делдалы ретінде қаржыландыру;

4-1) өндірістік және сауда қызметін заңды тұлғалардың жарғылық капиталдарына қатысу арқылы және (немесе) әріптестік шарттарымен қаржыландыру;

5) лизинг (жалдау) талаптары бойынша инвестициялық қызмет;

6) ислам банкінің банк операцияларын жүргізу кезіндегі агенттік қызмет ислам банкінің банк операцияларына жатады.

2. Осы баптың 1-тармағының 4), 4-1) және 5) тармақшаларында көзделген банк операцияларын ислам банкі өз ақшасы және (немесе) инвестициялық депозиттерге тартылған ақша есебінен жүзеге асырады. Бұл ретте, ислам банкі және (немесе) инвестициялық депозит бойынша клиенттер өздерінің ақшасы есебінен сатып алынған мүлікке ортақ үлестік меншік құқығын иемденеді, ал ислам банкі ортақ үлестік меншіктің қатысушысы және (немесе) ортақ үлестік меншікке жататын мүлікті басқаруды жүзеге асыратын сенімгерлік басқарушы болады. Ислам банкі сенімгерлік басқарушы ретінде Қазақстан Республикасының заңнамалық актілерінің талаптарына сәйкес жылжымайтын мүлікке құқықтарды мемлекеттік тіркеуді, көлік құралдарын және өзге де жылжымалы мүлікті тіркеуді қамтамасыз етуге құқылы. Ислам банкі сатып алынған мүлікке ортақ үлестік меншіктің қатысушыларының есебін жүргізеді.

3. Ислам банкі, егер жарғыда осындай көзделсе, мына операцияларды:

1) факторингтік операцияларды: төлем жасамау тәуекелін қабылдай отырып, тауарларды (жұмыстарды, қызмет көрсетулерді) сатып алушыдан төлемді талап ету құқықтарын сатып алуды;

2) форфейтингтік операцияларды (форфейтингтеуді): тауарларды (жұмыстарды, қызмет көрсетулерді) сатып алушының борыштық міндеттемесін сатушыға айналымсыз вексельді сатып алу жолымен төлеуді қоспағанда, осы Заңның 52-1-бабында көрсетілген талаптарды сақтай отырып, осы Заңның 30-бабында көзделген банк операцияларын және өзге де операциялардың жекелеген түрлерін жүзеге асыруға құқылы.

Исламдық қаржыландыру принциптері жөніндегі кеңес осы Заңның 30-бабында көзделген банк операцияларының және өзге де операциялардың жекелеген түрлерін осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келмейді деп тануға құқылы.

4. Қазақстан Республикасы бейрезидент-ислам банкінің филиалы уәкілетті органның лицензиясы болған кезде Қазақстан Республикасының аумағында:

1) осы баптың 1-тармағының 1), 2), 3), 4), 5) және 6) тармақшаларында көзделген банк операцияларын;

2) егер бұл филиал туралы ережеде көзделсе, осы Заңның 52-1-бабында көрсетілген талаптарды сақтай отырып, осы Заңның 30-бабының 2-1-тармағында көзделген банк операцияларының және өзге де операциялардың, бағалы қағаздар нарығындағы кәсіби қызметтің жекелеген түрлерін (осы Заңның 30-бабы 11-тармағының 6) және 7) тармақшаларында көрсетілген операцияларды қоспағанда) жүзеге асыруға құқылы.

Ескерту. 52-5-бапқа өзгерістер енгізілді- ҚР 2011.03.25 № 421-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

52-6-бап. Ислам банкінің депозиттері

1. Талап етуге дейінгі пайызсыз депозит шарты бойынша ислам банкі клиенттің ақшасын пайыз түрінде сыйақы төлеуді немесе төлеуге кепілдік беруді көздемейтін талап етуге дейінгі банктік салымға қабылдауға және клиент талаптарының түсуі бойынша депозитті немесе оның бір бөлігін қайтаруға міндеттенеді. Ислам банкінің пайызсыз депозит туралы шартына ол бойынша сыйақы төлеу туралы талаптарды қоспағанда, банктік салым туралы шарттың ережелері қолданылады.

2. Инвестициялық депозит туралы шарт бойынша ислам банкі клиенттің ақшасын оларды номиналды түрде қайтару кепілдігінсіз белгілі бір мерзімге қабылдауға, олар бойынша табысты инвестициялық депозит туралы шартта көзделген тәртіппен берілген ақшаны пайдалану нәтижесіне байланысты төлеуге міндеттенеді. Ислам банкінің инвестициялық депозит туралы шартына ақшаны пайдалану және қайтару тәртібі, клиенттің және ислам банкінің құқықтары мен міндеттері, сенімгерлікпен басқарушының - ислам банкінің сыйақыны айқындау және есептеп шығару тәртібі бойынша осы бапта көзделген ерекшеліктері бар мүлікті сенімгерлікпен басқару туралы шарттың ережелері қолданылады.

Инвестициялық депозит туралы шартты жасасу кезінде ағымдағы банк шоты ашылуы мүмкін.

3. Инвестициялық депозит туралы шарттың талаптарында сенімгерлікпен басқарушының - клиенттің сенімгерлікпен басқару құрылтайшысының ақшасын басқарғаны үшін сыйақысының мөлшері, ақшаны қайтару мерзімі мен тәртібі, ақшаны пайдаланудан келген залалдар тәуекелдері және өзге де талаптар айқындалуға тиіс.

4. Инвестициялық депозит бойынша ақшаны пайдаланудан түскен кіріс есебінен ғана сыйақы төленуі мүмкін болған жағдайда, ислам банкінің сыйақысы инвестициялық депозитке тартылған ақшаны пайдаланудан алынған кірістің бір бөлігі түрінде айқындалады. Ислам банкі инвестициялық депозит шығынды болған кезде (инвестициялық депозит бойынша тартылған ақшаны пайдалану нәтижесінде кіріс болмаған кезде) сыйақы алу құқығын жоғалтады.

4-1. Ислам банкінің тартылған ақшаны инвестициялық депозит туралы шартта айқындалған деңгейде кіріс алынуы мүмкін активтерге орналастыруын көздейтін жағдайды қоспағанда, инвестициялық депозит туралы шарттың талаптары инвестициялық депозит бойынша кірістің және (немесе) ислам банкі сыйақысының кепілдік берілген мөлшерін көздей алмайды.

5. Клиент өз талабы бойынша инвестициялық депозитті мерзімінен бұрын қайтарып алған кезде, егер инвестициялық депозит туралы шартта өзгеше көзделмесе, табыс алу құқығынан айрылады.

6. Инвестициялық депозит туралы шарт клиенттің ақшаны пайдалану тәсілдерін, активтер немесе ақша салу объектілері түрлерінің тізбесін анықтауы бойынша талаптарды не клиенттің ақшасын оларды біріктіру құқығынсыз өзге клиенттердің ақшасынан бөлек пайдалану бойынша талаптарды көздеуі мүмкін.

7. Ислам банкі ақшаны пайдаланудың тәртібі мен нәтижелерін анықтау, оның ішінде ақшаны пайдалану тәсілдерін, активтер немесе ақша салу объектілері түрлерінің тізбесін, мұндай пайдаланудан түскен табыстың немесе залалдың мөлшерін, ислам банкі сыйақысының мөлшерін анықтау мақсатында жекелеген инвестициялық депозиттер бойынша ақшаны пайдалану есебін жүргізуге міндетті.

8. Клиенттің талабы бойынша ислам банкі инвестициялық депозит бойынша ақшаны пайдалану туралы есепті табыс етуге міндетті.

9. Егер шартта өзгеше көзделмесе, инвестициялық депозитке ақша салған клиент ислам банкінің ақшаны орналастыруға байланысты туындаған міндеттемелері бойынша жауап бермейді, бірақ ақша салынған активтер құнының кемуіне байланысты инвестициялық депозитке салынған ақша сомасы шегінде залалдар тәуекелін көтереді.

10. Ислам банкі инвестициялық депозиттің ақшасы салынған активтер құнының кемуіне байланысты залалдар өз кінәсінен болған жағдайларды қоспағанда, осындай залалдар үшін жауап бермейді.

Егер инвестициялық депозиттің ақшасы салынған активтер құнының кемуіне байланысты залалдар ислам банкінің кінәсінен болса, ислам банкі осындай залалдардың туындағаны туралы клиентке хабарлауға міндетті.

Ескерту. 52-6-бапқа өзгеріс енгізілді - ҚР 27.04.2015 № 311-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

52-7-бап. Ислам банкінің бағалы қағаздарды шығару ерекшеліктері

Ислам банкі борышты, сыйақының кепілдік берілген мөлшерін немесе құнынан пайыз түрінде сыйақы төлеуді көздейтін артықшылығы бар акцияларды, облигацияларды немесе өзге де борыштық бағалы қағаздарды қоспағанда, акциялар немесе өзге де бағалы қағаздар шығаруға құқылы.

52-8-бап. Тауарды үшінші тұлғаға кейіннен сату туралы шарттарсыз коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды қаржыландыру

Ескерту. 52-8-баптың тақырыбы жаңа редакцияда - ҚР 27.04.2015 № 311-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

1. Ислам банктері ислам банкінің коммерциялық кредит туралы шарты (бұдан әрі – коммерциялық кредит туралы шарт) негізінде тауарды сатып алушыға немесе сатушыға коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды қаржыландыруға құқылы.

2. Алып тасталды - ҚР 27.04.2015 № 311-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

3. Коммерциялық кредит туралы шартқа осы бапта көзделген ерекшеліктер және осы Заңның 52-1-бабында көрсетілген талаптар ескеріле отырып, тауарларды кредитке (төлем мерзімін кейінге жылжыту немесе ұзарту арқылы) сатып алу-сату шартының ережелері қолданылады.

4. Коммерциялық кредит туралы шартта тауардың атауы және саны, тауарға үстеме бағаның мөлшері көрсетіле отырып, сатып алушы ислам банкінен сатып алатын тауардың құны туралы талаптар, сондай-ақ коммерциялық кредиттің талаптары (төлем мерзімін кейінге жылжыту немесе ұзарту) қамтылуға тиіс.

5. Егер коммерциялық кредит туралы шартта өзгеше көзделмесе, ислам банкінің сатып алушыға тауарды сату бағасы сатушыдан тауарды сатып алу бағасы мен тауарға үстеме баға сомаларынан құралады. Үстеме баға тіркелген сома немесе сатушыдан тауарды сатып алу бағасының пайызы түрінде белгіленуі мүмкін.

6. Тауарды сатып алу кезінде ислам банкі сатушымен жасалған сатып алу-сату шартында тауардың коммерциялық кредит туралы шарт жасасу үшін сатып алынатынын көрсетуге міндетті.

7. Коммерциялық кредит туралы шарт бойынша бір мезгілде сатып алушы болатын сатушыдан тауарды сатып алуға жол берілмейді. Ислам банкі тауарды сатушымен жасасқан сатып алу-сату шарты тауарға алдын ала төлем жасау, сатып алынған тауарды белгілі мерзімде қайтару және тауардың сатып алу бағасын қайтару мүмкіндігі туралы талаптарды көздеуі мүмкін.

8. Коммерциялық кредит туралы шартта сатып алушының тауарларға ақша немесе өзге мүлік кепілімен төлем жасау бойынша міндеттемелерін орындауды қамтамасыз ету талаптары көзделуі мүмкін.

9. Егер коммерциялық кредит туралы шарттың нысанасы дайындауға жататын тауарларды (қайта өңдеу өнімдерін, жылжымалы жаңа затты, жаңадан құрылатын жылжымайтын мүлікті), мүлікті пайдалану, жұмысты орындау не қызмет көрсету нәтижесінде алынатын тауарларды (ауыл шаруашылығы, мал шаруашылығы немесе өзге ұқсас өнімнен алынған мүлікті пайдалану кезінде бөлініп алынатын жемістер түрінде) сатып алу болып табылса, шарттың осы Заңның 52-1-бабында көрсетілген талаптарға сәйкестігі туралы исламдық қаржыландыру принциптері жөніндегі кеңестің қорытындысы талап етіледі.

10. Ислам банкі мен осы баптың 9-тармағында көрсетілген тауарды өндіруші (дайындаушы) арасында жасалған коммерциялық кредит туралы шартта тараптардың келісімімен айқындалған мерзімде (тауар берудің мерзімін кейінге жылжыту) тауар беру талабымен сатып алынатын тауарға (аванс түріндегі коммерциялық кредит) дереу ішінара немесе толық төлем жасау көзделуі мүмкін. Тауар өндірушіге (шығарушыға) коммерциялық кредит беру кезінде ислам банкінің тауарды тікелей сатып алушымен жасасқан сатып алу-сату шарты тараптардың келісімімен айқындалған мерзімде (тауар берудің мерзімін кейінге жылжыту) тауар беру талабымен тауарға дереу ішінара немесе толық алдын ала төлем жасау туралы талаптарды көздеуі мүмкін.

11. Осы баптың 9-тармағында көзделген коммерциялық кредит туралы шарт жасалған жағдайда банк пен тауар өндіруші (шығарушы) арасындағы қарым-қатынастарға мердігерлік, тауар беру, келісімшарт жасасу, өтелетін қызметтер көрсету туралы ережелер немесе осы қарым-қатынастарға сәйкес келетін, Қазақстан Республикасының азаматтық заңнамасында көзделген міндеттеме туралы басқа да ережелер қолданылады.

Ескерту. 52-8-бапқа өзгеріс енгізілді - ҚР 27.04.2015 № 311-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

52-9-бап. Өндірістік және сауда қызметін заңды тұлғалардың жарғылық капиталдарына қатысу жолымен және (немесе) әріптестік талаптары бойынша қаржыландыру

1. Ислам банкі табыс алу немесе Қазақстан Республикасының заңнамасына қайшы келмейтін өзге де мақсаттарға қол жеткізу мақсатымен әріптестік туралы шарттың негізінде өндірістік және сауда қызметін қаржыландыруға құқылы. Әріптестік туралы шартта (заңды тұлғаны құруға байланысты әріптестік туралы шарт) заңды тұлғаны құру жөніндегі талап көзделуі мүмкін.

2. Әріптестік туралы шарт исламдық қаржыландыру принциптері бойынша кеңестің оң қорытындысын алғаннан кейін жасалуы мүмкін. Осы Заңның 52-1-бабында көрсетілген талаптарды бұзу әріптестік туралы шартты мерзімінен бұрын бұзуға және (немесе) әріптестік туралы шарттың негізінде құрылған заңды тұлғаны таратуға не ислам банкінің үлесін, оның ішінде заңды тұлғалардың жарғы капиталдарындағы акциялары мен қатысу үлестерін шеттетуге және алынған табысты қайырымдылық ісіне бағыттауға негіз болады.

3. Заңды тұлғаны құру талабынсыз жасалған әріптестік туралы шартқа (ислам банкінің қатысуымен жасалған қарапайым серіктестік шарты) осы бапта көзделген ерекшеліктері бар бірлескен қызмет туралы шарттың ережелері қолданылады.

4. Ислам банкінің қатысуымен жасалған қарапайым серіктестік шартында бірлескен қызметтің мақсаты, шарттың қолданылу мерзімі немесе олардың туындауына байланысты шарт тоқтатылатын талаптар, бірлескен қызметтен түскен табысты бөлу тәртібі және кезеңділігі, қатысушының шарт талаптарын бұзғаны үшін жауапкершілігі, бірлескен қызметті жүзеге асыру үшін қатысушылардың әрқайсысы енгізген мүліктің тізбесі, түрлері және құны туралы мәліметтер қамтылуға тиіс. Егер шартта өзгеше көзделмесе, қатысушылардың әрқайсысының ортақ мүліктегі үлесінің мөлшері бірлескен қызметті жүзеге асыру үшін енгізілген мүліктің құнына бара-бар айқындалады. Шартта бірлескен қызметтен түскен табыс бөлігін қайырымдылық мақсаттарға пайдалану туралы талаптар көзделуі мүмкін.

5. Бірлескен қызметтен түскен табыс, ислам банкі қатысатын қарапайым серіктестік шартына қатысушылардың жалпы шығыстары мен залалдары, егер шартта өзгеше көзделмесе, ортақ мүліктегі үлеске бара-бар бөлінеді. Ислам банкі қатысатын қарапайым серіктестіктің табысы күтілетін табыс ескерілмей, нақты нәтижелер бойынша бөлінуге тиіс. Қарапайым серіктестікке қатысушының табысы тіркелген ақша сомасы түрінде белгілене алмайды.

6. Қарапайым серіктестіктің ортақ мүлкі жеткіліксіз болғанда оның қатысушылары қарапайым серіктестік шартына байланысты міндеттемелер бойынша ортақ мүліктегі үлестерге бара-бар жауаптылықта болады.

7. Егер шартта немесе осы баптың ережелерінде өзгеше көзделмесе, заңды тұлғаны құруға байланысты әріптестік туралы шартқа тиісті ұйымдық-құқықтық нысандағы заңды тұлғаның құрылтай шарты туралы ережелер қолданылады.

8. Заңды тұлғаны құруға байланысты әріптестік туралы шартта Қазақстан Республикасының заңнамасында белгілі бір ұйымдық-құқықтық нысандағы заңды тұлғаның құрылтай шарты үшін көзделген мәліметтерден бөлек, әріптестіктің мақсаты мен мерзімдері туралы мәліметтер, заңды тұлғаның табысын әрбір қатысушы енгізген үлеске бара-бар бөлу туралы талап қамтылуға тиіс.

9. Заңды тұлға құрып әріптестік жасау туралы шарттың ережелері әріптестіктің мақсаты осы заңды тұлғаның өндірістік немесе сауда қызметін қаржыландыру болып табылатын маңызды талаптар болған кезде заңды тұлғаның акцияларын (қатысу үлестерін) сатып алу оның талаптары болып табылатын әріптестік жағдайларына да қолданылады.

52-10-бап. Инвестициялық қызметті лизинг (жалдау) талаптары бойынша жүзеге асыру

1. Ислам банктері инвестициялық қызметті лизинг (жалдау) талаптары бойынша жүзеге асыруға құқылы.

2. Ислам банкінің инвестициялық қызметті мүлік лизингі (жалдау) талаптары бойынша жүзеге асыруы жөніндегі қатынастарына осы бапта көзделген ерекшеліктерімен қаржы лизингі туралы немесе мүлікті жалдау туралы ережелер қолданылады.

3. Ислам банкімен жасалған лизинг (жалдау) шартының талаптары жалға алынатын мүлікті сатып алу құқығын көздей алмайды. Жалға алынған мүлікке меншік құқығы жеке келісімнің негізінде лизинг алушыға (жалдаушыға) ауысуы мүмкін.

4. Егер ислам банкінің жарғысында немесе ішкі ережелерінде өзгеше көзделмесе, мүлік лизингі немесе жалдау бойынша мәмілелер осы Заңның 52-2-бабы 3-тармағының талаптарына сәйкес бекітілген Ислам банкінің операцияларын жүргізудің жалпы талаптары туралы ережеге сәйкес жасалады және исламдық қаржыландыру принциптері жөніндегі кеңестің жеке бекітуін талап етпейді.

5. Шартта лизингтік төлемдерге ақы төлеу (жалдау төлемін) жөніндегі міндеттемелерді мүлік кепілімен қамтамасыз ету туралы талап көзделуі мүмкін.

52-11-бап. Ислам банкінің банк операцияларын жүргізу кезінде агенттік қызметті жүзеге асыру

1. Ислам банкінің банк операцияларын жүргізу кезінде ислам банкі агенттік қызметті жүзеге асыруға құқылы, оған сәйкес ислам банкі өз клиентінің агенті болады не үшінші тұлғаны өзінің агенті етіп тағайындайды.

2. Агенттік келісімге сәйкес агент клиенттің атынан және оның тапсырмасы бойынша не өз атынан, бірақ клиенттің тапсырмасы бойынша және соның есебінен өзінің жеке тәжірибесі мен білімі негізінде сыйақы үшін табыс алуға бағытталған белгілі бір заңды іс-қимылдар жасауға міндеттенеді.

3. Ислам банкінің агенттік келісімдеріне оның талаптарына байланысты осы бапта көзделген ерекшеліктері бар тапсырма немесе комиссия шарты туралы ережелер қолданылады.

4. Жеке және заңды тұлғалар, оның ішінде банктер және өзге қаржы ұйымдары ислам банкімен жасалған агенттік келісім бойынша тараптар (клиент не агент) ретінде бола алады.

5. Агенттік келісімнің талаптарында агенттің сыйақысын анықтау және төлеу тәртібі белгіленуге тиіс. Клиент табысының кепілдік берілген мөлшері агенттік келісімнің талаптарында көзделе алмайды.

6. Агенттің сыйақы алу құқығы агенттік келісімнің орындалу нәтижелеріне қарамастан сақталады.

7. Агенттің кінәсінен залалдар туындаған жағдайларды қоспағанда, агент қызметі нәтижесінде келтірілетін залалдар тәуекелін агенттік келісімнің клиенті көтереді.

52-12-бап. Тауарды үшінші тұлғаға кейіннен сату шарттарымен коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды ислам банкінің қатысуымен исламдық қаржыландыру

1. Тауарды үшінші тұлғаға кейіннен сату шарттарымен коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды исламдық қаржыландыруға осы бапта көзделген ерекшеліктер ескеріле отырып, осы Заңның 52-8-бабының ережелері қолданылады.

Осы баптың мақсаттары үшін ислам банкінен тауарды сатып алатын және оны кейіннен үшінші тұлғаға сататын жеке немесе заңды тұлға банктің клиенті деп аталады.

2. Тауарды үшінші тұлғаға кейіннен сату шарттарымен коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды исламдық қаржыландыру деп мынадай талаптар сақтала отырып, коммерциялық кредит туралы шарт бойынша жүзеге асырылатын мәміле танылады:

1) ислам банкі және банктің клиенті коммерциялық кредит туралы шарттың тараптары болып табылады. Коммерциялық кредит туралы шартта банктің клиенті тауарды кейіннен сатуды жүзеге асыратын үшінші тұлға (осы баптың мақсаттары үшін – үшінші тарап) көрсетіледі;

2) коммерциялық кредит туралы шарт бойынша банк клиентінің тауарды сатып алуы, сондай-ақ банк клиентінің тауарды үшінші тарапқа кейіннен сатуы ислам банкінің қатысуымен жүргізіледі;

3) коммерциялық кредит банктің клиенті ислам банкінен сатып алған тауарды банк клиентінің үшінші тарапқа өткізуі шарттарымен беріледі. Бұл ретте, коммерциялық кредит туралы шарт бойынша өткізілген тауарға меншік құқығы коммерциялық кредит туралы шарт жасалғаннан кейін дереу үшінші тарапқа өтеді, үшінші тараптың тауардың ақысын төлеуі тауар мен осы тауардың құжаттары оған берілгеннен кейін кідіртілместен, мұндай тауарды ислам банкінің тауар берушіден сатып алу бағасы бойынша жүргізіледі;

4) коммерциялық кредит туралы шартта тауар ретінде халықаралық тауар биржаларында өткізілетін және ислам банкі халықаралық тауар биржаларында не Қазақстан Республикасының шегінен тыс жердегі биржадан тыс нарықта сатып алатын тауар айқындалады. Ислам банкі және банктің клиенті сол бір тауарды коммерциялық кредит туралы бірнеше шарт бойынша бір мезгілде сатуды жүзеге асыруға құқылы емес;

5) банктің клиенті коммерциялық кредит туралы шартта көрсетілген тауарды ислам банкінің үстемеақысын есептеместен, осындай шартта көрсетілген көлемде және баға бойынша үшінші тарапқа кейіннен сатуды жүзеге асырады;

6) тауарды ислам банкіне сатуды жүзеге асыратын тауарды сатушы тауарды кейіннен сату жүргізілетін үшінші тарап бола алмайды;

7) ислам банкі, банктің клиенті және үшінші тарап "Салық және бюджетке төленетін басқа да міндетті төлемдер туралы" Қазақстан Республикасының Кодексіне (Салық кодексі) сәйкес өзара байланысты тараптар болып табылмайды.

3. Осы баптың мақсаттары үшін мынадай талаптарға сәйкес келетін тауар биржасы халықаралық тауар биржасы деп танылады:

тауар биржасы тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес егемен рейтингі бар мемлекеттің аумағында қызметін жүзеге асырады;

тауар биржасында жасалған биржалық мәмілелердің көлемі мен саны жөніндегі ақпарат Дүниежүзілік биржалар федерациясының интернет-ресурсында орналастырылған статистикалық есептерде жарияланады.

Тауарды үшінші тұлғаға кейіннен сату шарттарымен коммерциялық кредит беру арқылы сауда делдалы ретінде жеке және заңды тұлғаларды қаржыландыру шеңберінде тауарды сатып алу және сату жүргізілетін халықаралық тауар биржаларының тізбесін Қазақстан Республикасының Үкіметі белгілейді.

4. Осы бапта белгіленген талаптар бұзылған жағдайда, мұндай банк операциясы коммерциялық кредит беру туралы шарт ресімделе отырып, сауда делдалы ретінде жеке және заңды тұлғаларды ислам банкінің қатысуымен және үшінші тараптың қатысуымен исламдық қаржыландыру деп танылмайды.

Ескерту. 4-1-тарау 52-12-баппен толықтырылды - ҚР 27.04.2015 № 311-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

4-2-тарау. Банкті ислам банкіне айналдыру нысанында ерікті түрде қайта ұйымдастыру

Ескерту. Заң 4-2-тараумен толықтырылды - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңымен.

52-13-бап. Банкті ислам банкіне айналдыру нысанында ерікті түрде қайта ұйымдастыру ұғымы

Банкті ислам банкіне айналдыру нысанында (бұдан әрі - банкті ислам банкіне айналдыру) ерікті түрде қайта ұйымдастыру деп ислам банкінің мәртебесін алу және қызметті осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес жүзеге асыру мақсатында банктің қызметін қайта ұйымдастыруға бағытталған іс-шаралар жиынтығы түсініледі.

52-14-бап. Уәкілетті органның банкті ислам банкіне айналдыруға рұқсаты

1. Банкті ислам банкіне айналдыру банк акционерлерінің жалпы жиналысының шешімі бойынша уәкілетті органның рұқсатымен жүзеге асырылады.

Уәкілетті органның банкті ислам банкіне айналдыруға рұқсат беру және рұқсат беруден бас тарту тәртібі осы Заңда және уәкілетті органның нормативтік-құқықтық актісінде айқындалады.

2. Уәкілетті органның банкті ислам банкіне айналдыруға рұқсатын беру туралы өтінішке мынадай құжаттар қоса беріледі:

1) банкті ислам банкіне айналдыру нысанында ерікті түрде қайта ұйымдастыру туралы шешім қабылданған банк акционерлерінің жалпы жиналысының шешімі;

2) осы Заңның 52-15-бабының талаптарына сәйкес келетін, банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспары;

3) алып тасталды - ҚР 25.11.2019 № 272-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі);

4) банкті ислам банкіне айналдыру кезеңіне және ислам банкінің банктік және өзге де операцияларды жүргізуге лицензия алған соң кейінгі үш жылға арналған, мазмұнына қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде белгіленетін бизнес-жоспар, төмендегілерді қоса алғанда:

банктің мақсаты мен міндеттерінің сипаттамасы және ислам банкінің банктік және өзге де операцияларының түрлері;

банктің қызметін талдау (сыртқы және ішкі ортаны талдау);

банкті ислам банкіне айналдыру кезеңіне және банкті ислам банкіне айналдырғаннан кейін кейінгі үш қаржы (операциялық) жылына банк қызметін дамыту стратегиясы мен оның ауқымы;

банкті ислам банкіне айналдыру кезеңіне және банкті ислам банкіне айналдырғаннан кейін кейінгі үш қаржы (операциялық) жылына банктің тәптіштелген жылдық қаржылық жоспары;

тәуекелдерді басқару жоспары (ислам банкінің қызметін жүзеге асыруға байланысты тәуекелдердің сипаттамасы және банкті ислам банкіне айналдыру кезеңінде және банкті айналдырғаннан кейін кейінгі үш қаржы (операциялық) жылында оларды басқару тәсілдері).

3. Уәкілетті орган өтінішті осы баптың 2-тармағында көрсетілген құжаттарды өтініш беруші ұсынған күннен бастап екі ай ішінде қарайды.

Банк осы баптың 2-тармағында көрсетілген құжаттардың толық емес топтамасын ұсынған жағдайда, уәкілетті орган құжаттарды алған кезден бастап күнтізбелік он бес күн ішінде өтінішті одан әрі қараудан дәлелді бас тарту береді.

4. Банк уәкілетті органның банкті ислам банкіне айналдыруға рұқсат беру не рұқсат беруден бас тарту туралы шешімі қабылдағанға дейін уәкілетті органның банкті ислам банкіне айналдыруға рұқсат беруі туралы өтінішті еркін нысанда жазбаша өтініш беру арқылы кері қайтарып алуға құқылы.

5. Банкті ислам банкіне айналдыруға рұқсат беруден бас тартуға мыналар негіз болып табылады:

1) уәкілетті органның ұсынылған құжаттар бойынша ескертулерін өзі белгілеген мерзімде жоймауы;

2) банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарының осы Заңның 52-15-бабында көзделген талаптарға сәйкес келмеуі;

3) бизнес-жоспардың осы баптың 2-тармағының 4) тармақшасында көзделген талаптарға сәйкес келмеуі;

4) банкті ислам банкіне айналдыру салдарларының қаржылық болжамы банкті ислам банкіне айналдыру салдарынан банктің қаржылық жай-күйінің нашарлауын болжауы;

5) банктің және (немесе) банк конгломератының пруденциялық нормативтерді және (немесе) басқа да сақталуы міндетті нормалар мен лимиттерді бұзуы және (немесе) банкті ислам банкіне айналдыруға рұқсат беру туралы өтініш берілген күннің алдындағы қатарынан күнтізбелік үш ай ішінде банкте Қазақстан Республикасы Әкімшілік құқық бұзушылық туралы кодексінің 213-бабының алтыншы, сегізінші бөліктерінде, 227-бабында көзделген әкімшілік құқық бұзушылық үшін әкімшілік жазаның болуы болуы;

6) банкті ислам банкіне болжамды айналдыру нәтижесінде банк депозиторлары мүдделерінің бұзылуы.

6. Уәкілетті орган осы баптың 3-тармағының бірінші бөлігінде белгіленген мерзімде банкті ислам банкіне айналдыруға рұқсат беруге немесе осы рұқсатты беруден дәлелді бас тарту беруге міндетті.

7. Уәкілетті орган банкті ислам банкіне айналдыруға берілген рұқсатты мынадай жағдайларда кері қайтарып алады:

1) рұқсат беруге негіз болған мәліметтердің анық еместігі анықталуы;

2) банктің өз қызметін өзге нысандарда қайта ұйымдастыру немесе тарату арқылы ерікті түрде тоқтату туралы шешім қабылдауы не банктің қызметін тоқтату туралы сот шешімінің қабылдануы;

3) банктің осы Заңның 52-17-бабында көзделген талаптарды орындамауы не талаптарды орындау мерзімін бұзуы;

4) банкке ислам банкінің банк және өзге де операцияларын жүргізуге лицензия беруден бас тарту.

Банк уәкілетті органның банкті ислам банкіне айналдыруға берілген рұқсатында көрсетілген айналдыру мерзімі аяқталғанға дейін банкті ислам банкіне айналдыруға берілген рұқсатты ерікті түрде қайтаруға құқылы.

Банкті ислам банкіне айналдыруға арналған рұқсат кері қайтарып алынған кезде немесе банк осы рұқсатты ерікті түрде қайтарған кезде, уәкілетті орган рұқсатты кері қайтарып алуға негіз болған факті анықталған немесе банк рұқсатты ерікті түрде қайтару туралы өтініш берген күннен бастап екі айдың ішінде бұрын берілген рұқсаттың күшін жою туралы шешім қабылдайды.

Ескерту. 52-14-бапқа өзгерістер енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

52-15-бап. Банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспары

1. Банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарын банктің директорлар кеңесі бекітеді.

2. Банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарында төмендегі іс-шараларды іске асыру мерзімдерін қоса алғанда, олардың егжей-тегжейлі сипаттамасы қамтылуға тиіс:

1) исламдық қаржыландыру қағидаттары жөніндегі кеңесті құру;

2) осы Заңның 52-5-бабының 1-тармағында көзделген ислам банкінің банк операцияларын жүргізу туралы шарттардың үлгі талаптарын әзірлеу;

3) мынадай:

осы Заңның 52-5-бабының 1-тармағында көзделген ислам банкінің банк операцияларына айырбастауға жататын;

осы Заңның 52-5-бабының 3-тармағына сәйкес ислам банкіне жүзеге асыру рұқсат етілген айырбастауды талап етпейтін;

банкті ислам банкіне айырбастау жөніндегі іс-шаралар жоспарында көрсетілген айырбастау мерзімі аяқталғанға дейін шарттардың қолданылу мерзімінің өтуі негіздері бойынша айырбастауды талап етпейтін;

осы Заңның 52-1-бабының талаптарына сәйкес келмеу негіздері бойынша айырбастауға жатпайтын банктік және өзге де операцияларды айқындау;

4) банктің осы тармақтың 3) тармақшасында көрсетілген банктік және өзге де операциялар бойынша активтері мен міндеттемелерінің әлеуетті көлемін айқындау;

5) Қазақстан Республикасының барлық аумағында таратылатын мерзімді баспасөз басылымдарында айналдыру туралы хабарландыруды қазақ және орыс тілдерінде жариялау және банктің интернет-ресурсында орналастыру;

6) банк клиенттерін осы тармақтың 3) тармақшасында көзделген банктік және өзге де операциялардың тізбесін, осы Заңның 52-16-бабының 4-тармағында көзделген жазбаша бас тартуды не келісуді ұсыну мерзімін және олар қабылданатын мекенжайды көрсете отырып, банкті ислам банкіне айналдыруды жүргізу туралы жазбаша хабардар ету;

7) жаңа қызмет түрлерін ескере отырып, банктің корпоративтік басқару және ішкі саясаты мен рәсімдерін, өзге де ішкі құжаттарын қайта қарау және өзгерту;

8) банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарын орындауға жауапты банктің басшы қызметкерлерін айқындау;

9) клиенттермен банктік және өзге де операцияларды жүргізу туралы шарттар бойынша жұмыс жүргізу;

10) ислам банкінің банктік және өзге де операцияларын жүргізу үшін бағдарламалық қамтылымды пысықтау;

11) уәкілетті органға банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шаралардың іске асырылуы туралы есепті ұсыну;

12) банкті ислам банкі етіп мемлекеттік қайта тіркеу үшін Корпорацияға өтініш жасау;

13) уәкілетті органға ислам банкінің банктік және өзге де операцияларын жүргізуге лицензия беру туралы өтініш жасау;

14) осы Заңның 52-16-бабының 7-тармағында көрсетілген мерзімнен аспауға тиіс банк жоспарлаған банкті ислам банкіне айналдыру мерзімі;

15) банкті ислам банкіне айналдыру үшін қажетті өзге де іс-шаралар.

Ескерту. 52-15-бапқа өзгеріс енгізілді - ҚР 02.04.2019 № 241-VI Заңымен (01.07.2019 бастап қолданысқа енгізіледі).

52-16-бап. Банкті ислам банкіне айналдыру кезеңіндегі оның қызметі

1. Банкті ислам банкіне айналдыру кезеңінде банк айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шараларды жүзеге асыруға міндетті.

2. Банкті ислам банкіне айналдыруға уәкілетті органның рұқсатын алғаннан кейін банк акционерлерінің жалпы жиналысында директорлар кеңесінің ұсынымы бойынша исламдық қаржыландыру қағидаттары жөніндегі кеңес тағайындалады.

3. Банкті ислам банкіне айналдыруға уәкілетті органның рұқсатын алғаннан кейін банк он жұмыс күні ішінде:

1) Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспасөз басылымдарында айналдыру туралы хабарландыруды қазақ және орыс тілдерінде жариялайды және банктің интернет-ресурсында орналастырады;

2) банк клиенттеріне осы Заңның 52-15-бабының 2-тармағының 3) тармақшасында көзделген банктік және өзге де операциялардың тізбесін, осы баптың 4-тармағында көзделген жазбаша бас тартуды не келісуді ұсыну мерзімін және олар қабылданатын мекенжайды көрсете отырып, банкті ислам банкіне айналдыруды жүргізу туралы жазбаша хабарламаны жібереді.

4. Банк клиенттері осы баптың 3-тармағында көрсетілген жазбаша хабарламаны алған күннен бастап күнтізбелік отыз күн ішінде банкке:

1) осы Заңның 52-5-бабының 1-тармағында көзделген ислам банкінің банк операцияларына айырбастауға жататын банктік және өзге де операциялар бойынша шарт талаптарын өзгертуге;

2) банкті ислам банкіне айналдыруға байланысты банктің атауын өзгерту бөлігінде ислам банкіне осы Заңның 52-5-бабының 3-тармағына сәйкес жүзеге асыру рұқсат етілген айырбастауды талап етпейтін банктік және өзге де операциялар бойынша шарт талаптарын өзгертуге;

3) уәкілетті органның банкті ислам банкіне айналдыруға рұқсатында көрсетілген айырбастау мерзімі аяқталғанға дейін шарттардың қолданылу мерзімінің өту негіздері бойынша айырбастауды талап етпейтін немесе осы Заңның 52-1-бабының талаптарына сәйкес келмеу негіздері бойынша айырбастауға жатпайтын банктік және өзге де операциялар жөніндегі шарттар бойынша құқықты (талапты) басқаға беруге немесе борышты аударуға жазбаша бас тартуды не келісуді беруге міндетті.

Осы тармақтың бірінші бөлігінің 1) және 2) тармақшаларына сәйкес көрсетілген мерзімде жауапты ұсынбау клиенттің бас тартуы ретінде қаралады, осы тармақтың бірінші бөлігінің 3) тармақшасына сәйкес клиенттің келісімі ретінде қаралады.

Клиент осы тармақтың бірінші бөлігінің 1), 2) және 3) тармақшаларында көрсетілген шарттар бойынша жазбаша бас тартуды ұсынған кезде, осы шарттардың қолданылуы осы Заңның 52-17-бабының 1-тармағында көрсетілген есепті банк уәкілетті органға ұсынғанға дейін тоқтатылуға жатады.

Осы тармақтың бірінші бөлігінің 1) және 2) тармақшаларында көзделген іс-шараларды жүзеге асыру ислам банкінің банк операцияларын жүргізу талаптары қамтылған не банкті ислам банкіне айналдыруға байланысты банктің атауын өзгертуді көздейтін, банк ислам банкінің банктік және өзге де операцияларын жүргізуге лицензияны алғаннан кейін оның күшіне енуі талаптарымен шартқа қосымша келісімді жасау арқылы жүргізіледі.

Банк клиенттерінің банк шоттарына орындалмаған талаптар (банк шоты бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда) болған және ақша жеткіліксіз болған немесе болмаған (оның ішінде бір жылдан аз уақыт ақша қозғалысы болмаған) кезде, банк мұндай талаптарды кері қайтаруды жүзеге асыруға және банк шоттарын жабуға құқылы.

5. Банкке ислам банкінің банктік және өзге де операцияларын жүргізуге лицензия берілген кезде немесе банктің қызметін тоқтата тұру туралы сот шешімі қабылданған кезде, сондай-ақ уәкілетті орган рұқсатты кері қайтарып алған жағдайда, банкті ислам банкіне айналдыруға арналған рұқсатты банк уәкілетті органға қайтаруға тиіс.

6. Банкті ислам банкіне айналдыру кезеңінде оған шарттардың қолданылу мерзімін ұзартуға немесе банктік және өзге де операцияларды жүргізуге арналған жаңа шарттар жасауға, сондай-ақ осы Заңның 30-бабының 2, 11 және 12-тармақтарында көзделген, бағалы қағаздар нарығындағы кәсіптік қызмет түрлерін жүзеге асыруға тыйым салынады.

7. Банкті ислам банкіне айналдыру мерзімі бес жылдан аспауға тиіс. Уәкілетті орган осы мерзімді банктің өтінішхаты бойынша бір жылдан аспайтын мерзімге ұзартады.

8. Осы Заңның 52-1-бабында көрсетілген талаптарға сәйкес келмейтін мәмілелерден айналдыру кезеңінде банктің алатын кірісін пайдалану туралы шешімді банктің исламдық қаржыландыру қағидаттары жөніндегі кеңесі қабылдайды.

52-17-бап. Банкті Корпорацияда мемлекеттік қайта тіркеу және ислам банкінің банктік және өзге операцияларын жүргізуге лицензия беру

Ескерту. 52-17-баптың тақырыбына өзгеріс енгізлді - ҚР 02.04.2019 № 241-VI Заңымен (01.07.2019 бастап қолданысқа енгізіледі).

1. Банк уәкілетті органның рұқсатында көрсетілген айналдыру мерзімі аяқталғанға дейін алты айдан кешіктірмей уәкілетті органға растау құжаттарын қоса бере отырып, банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шаралардың іске асырылуы туралы есепті ұсынады.

2. Осы баптың 1-тармағында көрсетілген есепке ескертулер болған кезде, уәкілетті орган банктен қосымша іс-шаралар орындауды және (немесе) қосымша ақпарат пен құжаттарды беруді талап етуге құқылы. Банк уәкілетті органның ескертулерін ескеруге (талап етілетін қосымша іс-шараларды орындауға және (немесе) қосымша ақпарат пен құжаттарды беруге) және уәкілетті органға банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шаралардың іске асырылуы туралы есепті уәкілетті орган белгілеген мерзімде растау құжаттарын қоса бере отырып қайтадан ұсынуға міндетті.

3. Уәкілетті орган банкті ислам банкіне айналдыру жөніндегі іс-шаралар жоспарында көзделген іс-шаралардың іске асырылуы туралы есепті уәкілетті органға ұсынылған күннен бастап екі ай ішінде мақұлдайды немесе мақұлдаудан бас тартады.

4. Уәкілетті орган осы баптың 1-тармағында көрсетілген есепті мақұлдағаннан кейін банк банкті мемлекеттік қайта тіркеу үшін күнтізбелік отыз күн ішінде Корпорацияға өтініш жасауға міндетті.

Ислам банкінің жарғысында осы Заңның 14-бабының 3-тармағында және 52-4-бабында көзделген ақпарат қамтылуға тиіс.

5. Банк Корпорацияда мемлекеттік қайта тіркелген күннен бастап күнтізбелік отыз күн ішінде, бірақ уәкілетті органның рұқсатында көрсетілген айналдыру мерзімі аяқталғанға дейін отыз жұмыс күнінен кешіктірмей, уәкілетті органға:

1) мына құжаттарды:

ислам банкі жарғысының нотариат куәландырған көшірмесін;

жекелеген қызмет түрлерімен айналысу құқығына лицензиялық алымның бюджетке төленгенін растайтын құжатты;

банктің исламдық қаржыландыру қағидаттары жөніндегі кеңесі туралы ережені;

ислам банкінің операцияларын жүргізудің жалпы шарттары туралы қағидаларды;

ислам банкінің ішкі кредиттік саясаты туралы қағидаларды қоса бере отырып, ислам банкінің банк және өзге де операцияларды жүргізуге лицензия беру туралы;

2) "Рұқсаттар және хабарламалар туралы" Қазақстан Республикасының Заңында айқындалған тәртіппен бағалы қағаздар нарығында қызметті жүзеге асыруға берілген лицензияны (бар болса) қайта ресімдеу туралы өтінішпен жүгінуге міндетті.

6. Уәкiлеттi орган ислам банкінің банк операциялары мен өзге де операцияларын жүргiзуге лицензия беру және бағалы қағаздар нарығында қызметті жүзеге асыруға берілген лицензияны қайта ресімдеу туралы өтiнiшті Қазақстан Республикасы заңнамасының талаптарына сәйкес келетін құжаттар берілген күннен бастап отыз жұмыс күні iшiнде қарайды.

Ислам банкінің банктік және өзге операцияларын лицензиялау тәртібі осы Заңның 26-бабында айқындалады.

7. Банкке ислам банкінің банктік және өзге де операцияларын жүргізуге лицензия берілген кезден бастап:

1) банктік және өзге де операцияларды жүргізуге бұдан бұрын берілген лицензияның қолданылуы тоқтатылады;

2) банкті ислам банкіне айналдыру аяқталды деп есептеледі.

Банк ислам банкінің банктік және өзге де операцияларын жүргізуге, бағалы қағаздар нарығында қызметті жүзеге асыруға лицензия алғаннан кейін он жұмыс күні ішінде уәкілетті органға бұдан бұрын берілген лицензияның тұпнұсқасын қайтаруға міндетті.

Ескерту. 52-17-бапқа өзгеріс енгізлді - ҚР 02.04.2019 № 241-VI Заңымен (01.07.2019 бастап қолданысқа енгізіледі).

5-тарау. Есеп және есеп беру

53-бап. Банкiнiң қаржы (операция) жылы

Банкiнiң қаржы (операция) жылы 1 қаңтарда басталып, 31-желтоқсанда аяқталады. Егер банкiнi тiркеу 1 қаңтардан кейiн жүзеге асырылса, онда бiрiншi қаржы (операция) жылы банк мемлекеттiк тiркеуден өткен күннен басталып, сол жылдың 31 желтоқсанында аяқталады.

54-бап. Банктердегi есепке алу және есептілік

1. Шоғырландырылған негiздегі қаржылық және өзге де есептілiктi қоса алғанда, банктердің қаржылық және өзге де есептiлiгінiң тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзiмдерi мен тәртiбi уәкiлеттi органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленеді.

Қазақстан Республикасы бейрезидент-банктері филиалдарының бухгалтерлік есепке алу деректері бойынша есептілігінің және өзге де есептілігінің тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзімдері мен тәртібі уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленеді.

Банктер операциялар мен оқиғаларды есепке алуды Қазақстан Республикасының бухгалтерлiк есеп пен қаржылық есептiлiк туралы заңнамасына және халықаралық қаржылық есептілік стандарттарына сәйкес жүзеге асырады.

2. Банктер уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің сұратулары бойынша өздерiнiң қаражаттары, оның iшiнде Қазақстан Республикасы шегiнен тысқары жердегi қаражаттары, қабылданған депозиттер мен берiлген кредиттердiң мөлшерi, жасалған және жасалып жатқан банк операциялары туралы кез келген ақпаратты және банк құпиясын құрайтын мәлiметтердi қоса алғанда, өзге де мәлiметтердi беруге мiндеттi.

3. Алып тасталды – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңымен.
4. Алып тасталды - ҚР 03.07.2019 № 262-VI Заңымен (01.01.2020 бастап қолданысқа енгізіледі).
Ескерту. 54-бап жаңа редакцияда - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

54-1-бап. Банктің ірі қатысушыларының және банк холдингтерінің есептілігі

1. Банктің ірі қатысушыларының және банк холдингтерінің қаржылық және өзге де есептiлiгінiң тізбесі, нысандары, оны Қазақстан Республикасының Ұлттық Банкіне ұсыну мерзiмдерi мен тәртiбi уәкілетті органмен келісу бойынша Қазақстан Республикасы Ұлттық Банкінің нормативтік құқықтық актілерінде белгіленедi.

2. Қазақстан Республикасының резидент-жеке тұлғасы болып табылатын банктің ірі қатысушысы осы баптың 1-тармағында көзделген есептіліктен басқа салық органына кірістер мен мүлік туралы декларацияны ұсынған күннен кейін бес жұмыс күні ішінде салық органына декларацияны ұсынғаны туралы растаумен бірге уәкілетті органға оның көшірмесін ұсынуға тиіс.

Ескерту. 54-1-бап жаңа редакцияда – ҚР 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгеріс енгізілді – ҚР 18.11.2015 № 412-V (01.01.2021 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі) Заңымен.

55-бап. Банк және банк холдингі қызметiнiң негiзгi көрсеткiштерiн жариялау

1. Банктер жылдық шоғырландырылған қаржылық есептілікті, ал еншілес ұйымы (ұйымдары) болмаған жағдайда – шоғырландырылмаған қаржылық есептілікті, сондай-ақ аудиторлық есепті осы Заңның 19-бабы 4-тармағының талаптарына сай келетін аудиторлық ұйым оларда ұсынылған мәліметтердің анықтығын растағаннан кейін және банк акционерлерінің жылдық жиналысы қаржылық есептілікті бекіткеннен кейін уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен және мерзімдерде жариялайды, сондай-ақ уәкілетті органның талап етуі бойынша банктің интернет-ресурсында уәкілетті органның нормативтік құқықтық актісінде белгіленген тізбеге және мерзімдерге сәйкес өзге де есептілікті орналастырады.

Банктер халықаралық қаржылық есептілік стандарттарына сәйкес келетін бухгалтерлік балансты, пайдасы мен шығыны туралы есепті аудиторлық растаусыз уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен және мерзімдерде тоқсан сайын жариялайды.

Банк холдингтері жылдық шоғырландырылған қаржылық есептілікті, ал еншілес ұйымы (ұйымдары) болмаған жағдайда – шоғырландырылмаған қаржылық есептілікті, сондай-ақ аудиторлық есепті уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен және мерзімде жариялайды.

Осы тармақтың талаптары Қазақстан Республикасының банк холдингі болып табылатын бейрезиденттеріне қолданылмайды.

2. Қазақстан Республикасы бейрезидент-банкінің филиалы:

Қазақстан Республикасы бейрезидент-банкі филиалының бухгалтерлiк есепке алу деректері бойынша жылдық есептілікті;

Қазақстан Республикасы бейрезидент-банкінің жылдық шоғырландырылған қаржылық есептілігін, ал еншілес ұйымы (ұйымдары) болмаған жағдайда – Қазақстан Республикасы бейрезидент-банкінің шоғырландырылмаған қаржылық есептілігін, аудиторлық ұйым онда ұсынылған мәліметтердің анықтығын растағаннан және Қазақстан Республикасының бейрезидент-банкі бекіткеннен кейін аудиторлық есепті уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен және мерзімдерде жариялайды.

Қазақстан Республикасы бейрезидент-банкінің филиалы уәкiлеттi органның талап етуі бойынша Қазақстан Республикасы бейрезидент-банкі филиалының интернет-ресурсында уәкiлеттi органның нормативтік құқықтық актісінде белгіленген тізбеге және мерзімдерге сәйкес өзге де есептілікті орналастырады.

Қазақстан Республикасы бейрезидент-банкінің филиалы халықаралық қаржылық есептілік стандарттарына сәйкес келетін активтер мен міндеттемелер туралы есепті, кірістер мен шығыстар туралы есепті аудиторлық растаусыз, тоқсан сайын уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен және мерзімдерде жариялайды.

Ескерту. 55-бап жаңа редакцияда – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңымен.

56-бап. Құжаттарды есепке алу және сақтау

1. Банкiлер бухгалтерлiк есепте және есеп берудi жасау кезiнде пайдаланылатын құжаттардың қатаң есепке алынуын және сақталуын қамтамасыз етуге мiндеттi.

2. Сақталуға тиiс негiзгi құжаттар тiзбесiн және олардың сақталу мерзiмiн уәкiлеттi орган белгiлейдi.

Ескерту. 56-бапқа өзгерту енгізілді – ҚР 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен.

6-тарау. Банктерге және олардың үлестес тұлғаларына аудит

57-бап. Банктерге және олардың үлестес тұлғаларына аудит

1. Банк аудитiн аудиторлық қызмет туралы заңдарға сәйкес аудит жүргiзуге құқылы және осы Заңның 19-бабы 4-тармағының талаптарына сай келетiн аудиторлық ұйым (аудитор) жүргізеді.

1-1. Қаржы жылының қорытындысы бойынша аудит жүргізу банктер (барлық банк операцияларын жүргізуге арналған лицензиясынан айырылған немесе мәжбүрлеп тарату процесіндегі банкті қоспағанда), ірі қатысушысы банк болып табылатын ұйымдар, банк холдингтері үшін міндетті болып табылады, ол туралы есептің көшірмелері мен аудиторлық ұйымның ұсынымдарын банктер, банк холдингтері осы құжаттарды алған немесе олар банктерге, банк холдингтеріне ұсынылған күннен бастап күнтізбелік отыз күн ішінде ұсынуға тиіс.

Банктің және банк холдингінің шоғырландырылған жылдық қаржылық есебін банктерге аудит жүргізуге құқылы аудиторлық ұйым куәландыруға тиіс.

Банк холдингінің және банк холдингі ірі мөлшерде қатысатын банктің аудитін сол бір аудиторлық ұйым жүзеге асырады. Ірі қатысушысы банк болып табылатын Қазақстан Республикасы резидент-ұйымдарының аудитін сол бір аудиторлық ұйым жүзеге асырады.

1-2. Алып тасталды - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

1-3. Қазақстан Республикасының резиденті емес болып табылатын банк холдингі уәкілетті органға аудиторлық есептің көшірмесін және аудиторлық ұйымның ұсынымдарын қазақ немесе орыс тілінде табыс етеді.

2. Алып тасталды - ҚР 2006.05.05. № 139 Заңымен.

3. Банктерге аудит мыналарды анықтау мақсатында жүргiзiледi:

жүргiзiлген банк операцияларының есепте және есеп беруде дер кезiнде, толық және дәлме-дәл көрсетiлуi;

жүргiзiлген банк операцияларының осы Заңның және Қазақстан Республикасы заңнамасының талаптарына сәйкестiгi;

жүргiзiлген банк операцияларының оларды жүргiзудiң жалпы шарттарына сәйкестiгi, сондай-ақ банк операцияларын жүргiзу тәртiбiнiң банкiнiң iшкi ережелерiне сәйкестiгi.

4. Аудиторлық ұйым аудит нәтижелерін және өз қорытындыларын банктің директорлар кеңесі мен басқармасына, банк айқындайтын қажетті жағдайда банк конгломератының құрамына кіретін басқа заңды тұлғаларға табыс етілетін есепте баяндайды.

Банктің немесе банк конгломератының құрамына кіретін басқа заңды тұлғалардың қаржылық есептілігінің аудиторлық есебі коммерциялық құпия болып табылмайды.

5. Алып тасталды – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.

6. Банк, банк холдингі, өзінде банк және (немесе) банк холдингі ірі қатысушылар болып табылатын ұйым аудиторлық есепте көрсетілген, банктің немесе банк конгломератының қаржылық жағдайға әсер ететін кемшіліктерді уәкілетті орган айқындаған мерзім ішінде жоймаған жағдайда, уәкілетті орган кемшіліктер жойылғанға дейін:

банкке – осы Заңның 46-бабында көзделген қаржылық жағдайын жақсарту және (немесе) тәуекелдерді барынша азайту жөніндегі шараларды;

банк холдингіне, өзінде банк және (немесе) банк холдингі ірі қатысушылар болып табылатын ұйымға осы Заңның 47-1-бабының 2-тармағында көзделген қадағалап ден қоюдың мәжбүрлеу шараларын қолдануға құқылы.

Банк холдингі аудиторлық есепте көрсетілген, банктің немесе банк конгломератының қаржылық жағдайына әсер ететін кемшіліктерді аталған тұлғалар осы есепті алған күннен бастап бір жыл ішінде жоймаған жағдайда, уәкілетті орган кемшіліктер жойылғанға дейін банк холдингіне осы Заңның 47-1-бабының 3-тармағында көзделген қадағалап ден қоюдың мәжбүрлеу шараларын қолдануға құқылы.

7. Банктердің, банк холдингтерінің және өздерінде банк және (немесе) банк холдингі ірі қатысушылар болып табылатын ұйымдардың активтерін, міндеттемелерін және шартты міндеттемелерін тану бөлігінде аудиторлық есепте жазылған, қаржылық есептілік және (немесе) қаржылық есептілікке байланысты өзге де ақпарат туралы пікірлер мен тұжырымдардың уәкілетті орган жүргізген тексеру нәтижелерінен ауытқуы анықталған жағдайда, уәкілетті орган аудиторлық ұйымнан осындай ауытқу себептерін түсіндіруді талап етуге құқылы.

7-1. Осы баптың 1, 1-1, 1-3, 3, 4, 6 және 7-тармақтарының ережелері Қазақстан Республикасы бейрезидент-банктерінің филиалдарына қолданылмайды.

Аудиторлық ұйым Қазақстан Республикасының бейрезидент-банкіне қаржы жылының қорытындысы бойынша Қазақстан Республикасы бейрезидент-банкінің қаржылық есептілігінің аудиторлық есебінің көшірмесін және аудиторлық ұйымның ұсынымдарын ұсынғаннан кейін он жұмыс күні ішінде Қазақстан Республикасы бейрезидент-банкінің филиалы оларды қазақ немесе орыс тілінде уәкілетті органға ұсынуға міндетті.

8. Уәкілетті орган банк қызметінде тәуекелдер мен кемшіліктерді анықтаған жағдайда, одан тәуекелдерді басқару және ішкі бақылау жүйесін бағалауға, оның ішінде стратегия мен бизнес-модельге қатысты, корпоративтік басқару жүйесін бағалауға, ақпараттық технологиялар тәуекелдерін басқару жүйесін бағалауға, ақпараттық қауіпсіздік жүйесінің тиімділігін, сондай-ақ қылмыстық жолмен алынған кірістерді заңдастыруға (жылыстатуға) және терроризмді қаржыландыруға қарсы іс-қимыл саласындағы ішкі бақылау жүйесінің тиімділігін бағалауға қатысты өзге ақпаратқа аудит (бұдан әрі – өзге ақпарат аудиті) жүргізуді тексерілуге жататын мәселелер тізбесін, аудит жүргізілетін кезеңді және аудиторлық ұйымның уәкілетті органға өзге ақпарат аудиті бойынша аудиторлық қорытындыны ұсыну мерзімін көрсете отырып, талап етуге құқылы.

Уәкілетті органның талап етуі бойынша өзге ақпарат аудитін жүргізу банктер үшін міндетті.

Осы баптың 10-тармағында көзделген жағдайды қоспағанда, банк өзге ақпарат аудитін жылына бір реттен артық жүргізбейді, бір мәселе бойынша өзге ақпарат аудиті үш жылда бір реттен жиілетпей жүргізіледі.

Өзге ақпарат аудиті шеңберінде тексеруге жататын мәселелердің тізбесі, өзге ақпарат аудиті бойынша аудиторлық қорытындының мазмұнына, оны аудиторлық ұйымның ұсыну мерзімдеріне қойылатын талаптар, өзге ақпарат аудитіне тартылатын аудиторлық ұйымның құрамындағы аудиторларға қойылатын талаптар аудиторлық қызмет саласындағы мемлекеттік реттеу мен аудиторлық және кәсіби аудиторлық ұйымдардың қызметін бақылауды жүзеге асыратын уәкілетті мемлекеттік органмен келісу бойынша уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

Аудиттің болжамды бағыттары, көлемі, жүргізілу сипаты, аудит жүргізу кезінде пайдаланылатын әдістер мен стандарттардың ерекшеліктері сипатталған, өзге ақпарат аудиті бойынша тексеру жоспары аудиторлық ұйымның уәкілетті органмен алдын ала келісуіне жатады.

Аудиторлық ұйым өзге ақпарат аудиті бойынша аудиторлық қорытындыны уәкілетті органға ұсынады және ол жариялауға жатпайды.

Өзге ақпарат аудитінің нәтижелерін уәкілетті орган қадағалап ден қою шараларын қолданған кезде ескеруі мүмкін.

9. Аудитті немесе өзге ақпарат аудитін жүзеге асыру үшін банк, ірі қатысушысы банк болып табылатын ұйым, банк холдингі аудиторлық қызмет саласында реттеуді және аудиторлық қызмет пен кәсiби ұйымдардың қызметi саласында мемлекеттік бақылауды жүзеге асыратын орталық атқарушы орган уәкілетті органмен келісу бойынша әзірлеген, қаржы ұйымдарына міндетті аудит жүргізетін аудиторлық ұйымдарға қойылатын ең төмен талаптарға сәйкес келетін аудиторлық ұйымды тартады.

Банк, ірі қатысушысы банк болып табылатын ұйым, банк холдингі аудитті немесе өзге ақпарат аудитін жүргізуге шарт жасасқаннан кейін он жұмыс күнінен кешіктірмей уәкілетті органды аудиторлық ұйымды таңдағаны туралы хабардар етеді. Өзге ақпарат аудиті жағдайында банк уәкілетті орган алдында өзге ақпаратқа аудиторлық ұйым болып табылмайтын ұйымның аудиттен өзге тәсілмен тексеру жүргізуі туралы өтінішхат беруге құқылы.

Банктің өтінішхатын уәкілетті орган бес жұмыс күні ішінде қарайды.

Өзге ақпарат аудитін жүргізу тәртібіне қойылатын осы бапта белгіленген талаптар өзге ақпаратқа аудиттен басқа өзге тәсілмен тексеру жүргізу тәртібіне қолданылады.

Уәкілетті орган өзге ақпарат аудиті бойынша аудиторлық есепті және (немесе) аудиторлық қорытындыны аудиторлық ұйым шығарғанға дейін аудиторлық ұйымға осы баптың 1-1-тармағының бірінші бөлігінде аталған тұлғалардың келісімінсіз, құпиялылық жөніндегі талаптарды ескере отырып, осы баптың 1-1-тармағының бірінші бөлігінде аталған тұлғаларды тексеру нәтижелері бойынша ақпаратты және түсіндірмелерді, сондай-ақ банктік және (немесе) коммерциялық құпияны құрайтын ақпаратты қоса алғанда, банктің, ірі қатысушысы банк болып табылатын ұйымның, банк холдингінің қызметіне байланысты, оның ішінде уәкілетті органның уәжді пайымдауына негізделген өзге де ақпаратты беруге құқылы.

Аудиторлық ұйым осы тармақтың бесінші бөлігіне сәйкес уәкілетті орган жіберген ақпаратқа міндетті бағалау мен талдау жүргізеді. Аудиторлық ұйым жүргізілген бағалау мен талдаудың нәтижелерін өзге ақпарат аудиті бойынша аудиторлық есепте немесе аудиторлық қорытындыда қамтылған пікірлер мен тұжырымдарды білдірген кезде пайдаланады.

10. Сот өзге ақпарат аудиті бойынша аудиторлық есепті және (немесе) аудиторлық қорытындыны жарамсыз деп таныған жағдайда, банк, банк холдингі, өзінде банк және (немесе) банк холдингі ірі қатысушылар болып табылатын ұйым аудитті және (немесе) өзге ақпарат аудитін қайта жүргізуге міндетті.

11. Уәкілетті орган аудиторлық ұйымнан коммерциялық құпияны құрайтын, оның ішінде клиенттер тізбесі жөніндегі мәліметтерді қоса алғанда, ақпаратты талап етуге құқылы. Клиенттер жөніндегі мәліметтер аудиторлық ұйым клиенттерінің келісуімен беріледі.

Ескерту. 57-бапқа өзгеріс енгізілді - ҚР 1997.07.11. № 154 Заңымен , 1998.06.29. № 236 Заңымен , 2001.03.02. № 162 Заңымен , 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен , 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.05.05. № 139 , 2007.01.12. № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.20. № 138 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

58-бап. Банк қызметiн тексеруге байланысты аудиторлық қызметтi лицензиялау

Ескерту. 58-бап алынып тасталды – ҚР 2006.05.05. № 139 Заңымен.

59-бап. Банк қызметіне аудиторлық ұйымның (аудитордың) аудит жүргізу жөніндегі есебін жарамсыз деп тану. Банк қызметіне аудит жүргізуге берілген лицензияны қайтарып алу, тоқтата тұру үшін негіздер

Ескерту. 59-бап алынып тасталды - Қазақстан Республикасының 2006.05.05. № 139 Заңымен.

6-1-тарау. Банкті қайта құрылымдау

Ескерту. 6-1-тараумен толықтырылды - ҚР 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

59-1-бап. Банкті қайта құрылымдау ұғымы

Банкті қайта құрылымдау деп банктің қаржылық жағдайын сауықтыру және жұмыс сапасын жақсарту үшін банкті қайта құрылымдау жоспарының (бұдан әрі - қайта құрылымдау жоспары) негізінде банк іске асыратын әкімшілік, заңдық, қаржылық, ұйымдастырушылық-техникалық және басқа да іс-шаралар мен рәсімдер кешені түсініледі.

Осы тараудың ережелері бас ұйым ретінде банк конгломератына кіретін және банк болып табылмайтын ұйымның қайта құрылымдауды жүргізуіне қолданылады.

Осы тараудың ережелері банктің уәкілетті органның талабы бойынша активтерді және (немесе) міндеттемелерді қайта құрылымдауды жүргізуіне қолданылмайды.

Ескерту. 59-1-бапқа өзгерту енгізілді - ҚР 2011.03.01 № 414-IV (2010.01.01 бастап қолданысқа енгізіледі) Заңымен.

59-2-бап. Банкті қайта құрылымдаудың негізі мен қағидаттары

Ескерту. 59-2-баптың тақырыбына өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

Банкті қайта құрылымдау банктің ақшасының болмауына немесе жеткіліксіз болуына байланысты банктің міндеттемелер бойынша жекелеген кредиторлардың талаптарын орындауға қабілетсіздігіне орай жүзеге асырылуы мүмкін.

Банкті қайта құрылымдау мынадай қағидаттарға негізделеді:

1) талаптарды қанағаттандырудың осы Заңның 74-2-бабында көзделген кері кезектілігіне сәйкес банктің депозиторлары мен кредиторларының құқықтарын және мүдделерін сақтау;

2) талаптарды қанағаттандырудың осы Заңның 74-2-бабында көзделген бір кезегінде тұрған депозиторлар мен кредиторлардың құқықтарын және мүдделерін тең сақтау.

Ескерту. 59-2-бапқа өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

59-3-бап. Банкті қайта құрылымдаудың жалпы шарттары

1. Осы Заңның 59-2-бабында көрсетілген қайта құрылымдау үшін негіздеме туындаған кезден бастап банк директорлар кеңесінің отырысын өткізуге құқылы, онда банкті қайта құрылымдау туралы шешім қабылданады.

2. Банк директорлар кеңесінің осы баптың 1-тармағында көрсетілген шешімі қабылданған күннен кейінгі келесі жұмыс күнінен кешіктірілмейтін мерзімде директорлар кеңесінің банкті қайта құрылымдау туралы шешімін уәкілетті органға жібереді.

3. Уәкілетті орган директорлар кеңесінің банкті қайта құрылымдау туралы шешімін алғаннан кейін күнтізбелік жеті күн ішінде банкті қайта құрылымдау мәселелері жөнінде банкпен жазбаша келісім жасасады.

4. Банк қайта құрылымдау жоспарының жобасын уәкілетті органға табыс етеді. Ескертпелер мен ұсыныстар болған жағдайда уәкілетті орган банктен қайта құрылымдау жоспарының жобасын пысықтауды талап етуге құқылы. Банк уәкілетті органның ескертпелері мен ұсыныстарын ескеруге және қайта құрылымдау жоспарының пысықталған жобасын уәкілетті органға қайтадан табыс етуге міндетті.

5. Банк Қазақстан Республикасының азаматтық іс жүргізу заңнамасында белгіленген тәртіппен қайта құрылымдау туралы сотқа жүгінеді. Соттың банкті қайта құрылымдауды жүргізу туралы шешімі заңды күшіне енген кезден бастап және оны жүргізу кезеңінде Қазақстан Республикасының азаматтық іс жүргізу заңнамасында көзделген шектеулер қолданылады.

6. Банк соттың қайта құрылымдау туралы шешімі заңды күшіне енген күннен бастап күнтізбелік жеті күн ішінде Қазақстан Республикасының бүкіл аумағында таратылатын кемінде екі мерзімді баспа басылымында қазақ және орыс тілдерінде тиісті хабарландыру жариялау арқылы депозиторларға, кредиторларға және өзге де клиенттерге қайта құрылымдау туралы хабарлайды.

Банк соттың қайта құрылымдау туралы заңды күшіне енген шешімінің көшірмесін алған күннен кейінгі күннен кешіктірілмейтін мерзімде оны корреспондент-банктерге жібереді.

7. Банк соттың банкті қайта құрылымдауды жүргізу туралы шешімі заңды күшіне енген кезден бастап:

1) сату-сатып алу, айырбастау, сыйға тарту шарттарының немесе банктің мүлкін иеліктен шығару туралы өзге де мәмілелердің орындалуын, қарыз беру туралы шарттар мен кредиттік тәуекелі бар басқа да қаржыландыру түрлерін жасасуды тоқтата тұруға;

2) банк міндеттемелерінің орындалуын толығымен немесе ішінара тоқтата тұруға құқылы.

8. Банк соттың қайта құрылымдауды жүргізу туралы шешімінде көзделген мерзімде банк кредиторларымен келіссөздер жүргізу және олардың қайта құрылымдау жоспарын мақұлдауына қол жеткізу мақсатында олардың алдындағы міндеттемелерді қайта құрылымдау көзделетін банк кредиторларының жиналысын шақырады.

Қайта құрылымдау жоспарының мақұлдауына қол жеткізу үшін міндеттемелер қайта құрылымдау көзделетін кредиторлар алдындағы банк міндеттемелері көлемінің кемінде үштен екісі үлесіне тиетін кредиторлардың келісімі талап етіледі.

Банкті қайта құрылымдау банк кредиторлары қайта құрылымдау жоспарын осы тармақта көзделген тәртіппен мақұлдаған жағдайда қайта құрылымдау жоспарына сәйкес қайта құрылымдау көзделетін кредиторлар алдындағы банктің барлық міндеттемелеріне қатысты жүргізіледі.

9. Банк қайта құрылымдау жоспарын кредиторлар мақұлдаған күннен бастап келесі жұмыс күнінен кешіктірілмейтін мерзімде кредиторлар мақұлдаған қайта құрылымдау жоспарын уәкілетті органға жібереді не осы баптың 8-тармағында көзделген тәртіппен банк кредиторларының мақұлдауын алмаған жағдайда банкті қайта құрылымдауды жүргізудің мүмкін еместігі туралы уәкілетті органға хабарлайды.

Уәкілетті орган егер қайта құрылымдау жоспарының шарттары уәкілетті органға бұрын жіберілген қайта құрылымдау жоспары жобасының шарттарынан өзгеше болған жағдайда қайта құрылымдау жоспарын пысықтауды талап етуге құқылы. Банк уәкілетті органның ескертпелері мен ұсыныстарын ескеруге және осы баптың 8-тармағында көзделген тәртіппен банк кредиторлары мақұлдаған, пысықталған қайта құрылымдау жоспарын уәкілетті органға қайтадан табыс етуге міндетті.

10. Осы баптың 9-тармағында көзделген талаптарды орындағаннан кейін банк қайта құрылымдау жоспарын сотқа бекітуге ұсынады.

11. Қайта құрылымдау жоспары мынадай ақпаратты:

қайта құрылымдауды жүргізудің тәртібі мен мерзімін;

қайта құрылымдалатын активтер мен міндеттемелердің тізбесін;

қайта құрылымдау шеңберінде өткізілетін іс-шараларды;

активтер мен міндеттемелерді қайта құрылымдаудан алынатын болжамды қаржылық нәтижелерді;

қызметте қолданылатын шектеулерді қамтуға тиіс.

Банк конгломератының қатысушысы болып табылатын банктің қайта құрылымдау жоспарында, көрсетілген ақпараттан басқа, банкті қайта құрылымдаудың банк конгломератының басқа қатысушыларына ықпалының болжамды нәтижелер қамтылуға тиіс.

12. Қайта құрылымдау Қазақстан Республикасының азаматтық іс жүргізу заңнамасында көзделген тәртіппен және жағдайларда тоқтатылады.

13. Қайта құрылымдау жоспарында көзделген шаралар кешенін жүзеге асыруға байланысты банкті қайта құрылымдау тоқтатылған жағдайда, қайта құрылымдау жоспарына енгізілген банк міндеттемелері орындалды деп есептеледі, соттардың, төреліктің осындай міндеттемелер жөніндегі шешімдері бойынша атқарушылық іс жүргізу тоқтатылады.

13-1. Банктер соттың қайта құрылымдауды тоқтату туралы заңды күшіне енген шешімінің көшірмесін алған күннен кейінгі күннен кешіктірілмейтін мерзімде оны корреспондент-банктерге жібереді.

14. Банк қайта құрылымдау жоспарында белгіленген тәртіппен және жазбаша келісімімен банктің жүргізілген қайта құрылымдалуы туралы, оның ішінде қайта құрылымдау жоспарында көзделген іс-шаралардың орындалғаны туралы ақпаратты уәкілетті органға береді.

15. Уәкілетті орган банктің қайта құрылымдау жоспарын орындауы жөніндегі іс-шаралардың жүзеге асырылуын қадағалауды жүзеге асырады.

Банкті қайта құрылымдауды жүргізу кезеңінде уәкілетті орган банкке және (немесе) оның ірі қатысушыларына, банк холдингіне, банктің ірі қатысушысының немесе банк холдингінің белгілері бар тұлғаларға осы Заңда көзделген қадағалап ден қою шараларын қолдануға құқылы.

16. Банктің сот бекіткен қайта құрылымдау жоспарында көзделген жағдайларды қоспағанда, қайта құрылымдауды жүргізу кезеңінде банк ұйымдардағы қатысу сомасын (абсолюттік мәнде) өсіре алмайды.

Ескерту. 59-3-бапқа өзгерістер енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2013 125-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 08.04.2016 № 489-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

II бөлiм
Банктердің және банк холдингтерінің құқықтық мәртебесiн өзгерту және қызметiн тоқтату ерекшелiктерiнiң шарттары

Ескерту. II-бөлімнің тақырыбына өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

7-тарау. Банктердi және банк холдингтерін ерiктi түрде қайта құру

Ескерту. 7-тараудың тақырыбына өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

60-бап. Банктерді (банк холдингтерін) ерiктi түрде қайта ұйымдастырудың жалпы шарттары

Ескерту. Тақырыпқа өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі) Заңдарымен.

1. Банктерді (банк холдингтерін) ерiктi түрде қайта ұйымдастыру (бiрiктiру, қосу, бөлу, бөлiп шығару, өзгерту, айналдыру) уәкiлеттi органның рұқсатымен акционерлердiң (қатысушылардың) жалпы жиналысының шешiмi бойынша жүзеге асырылуы мүмкiн.

Банкті (банк холдингін) ерікті түрде қайта ұйымдастыруға рұқсат беру не аталған рұқсатты беруден бас тарту тәртібі уәкілетті органның нормативтік-құқықтық актісінде айқындалады.

1-1. Банкті ислам банкіне айналдыру нысанында қайта ұйымдастыру тәртібі осы Заңның 4-2-тарауында белгіленеді.

2. Осы банк (банк холдингі) акционерлерiнiң (қатысушыларының) жалпы жиналысы шешiмiнiң болуы банкті (банк холдингін) ерiктi түрде қайта ұйымдастыруды жүргiзуге рұқсат алу үшiн уәкiлеттi органға өтiнiш беруге негiз болып табылады.

3. Банкті (банк холдингін) ерiктi қайта ұйымдастыруға уәкiлеттi органның рұқсатын алу туралы өтiнiшке мынадай құжаттар қоса тiркелуге тиiс:

а) банктің (банк холдингінің) жоғары органының оны қайта ұйымдастыру туралы шешiмi;

б) банкті (банк холдингін) қайта ұйымдастырудың көзделiп отырған шарттарын, түрлерiн, тәртiбi мен мерзiмдерiн сипаттайтын құжаттар;

в) банктің (банк холдингінің) ол қайта ұйымдастырылғаннан кейiнгi және (немесе) банкті (банк холдингін) қайта ұйымдастыру нәтижесiнде құрылған заңды тұлғалардың есеп айырысу балансын қоса, қайта ұйымдастыру салдарының қаржылық болжамы.

Осы баптың бірінші бөлігінде көрсетілген құжаттардан басқа, біріктіру нысанында ерікті түрде қайта ұйымдастыруды жүргізуге уәкілетті органның рұқсатын алу туралы өтінішхатқа қайта ұйымдастырылатын банктердің атқарушы органдарының бірінші басшылары қол қойған біріктіру туралы шарт қоса берілуге тиіс.

4. Банкті (банк холдингін) қайта ұйымдастыруды жүргiзуге рұқсат алу туралы өтiнiштi уәкiлеттi орган оны қабылдаған күннен бастап екi ай iшiнде қарауға тиiс.

5. Қайта ұйымдастырылатын банк (банк холдингі) қайта ұйымдастыру жүргізуге уәкілетті органның рұқсатын алған күннен бастап екі апта ішінде бұқаралық ақпарат құралдарында, оның ішінде банктің интернет-ресурсында тиісті хабарландыруды жариялау жолымен өзінің барлық депозиторларына, клиенттеріне, корреспонденттеріне және қарыз алушыларына алда тұрған өзгерістер туралы ақпарат беруге міндетті.

6. Қайта ұйымдастыру нәтижесiнде құрылған заңды тұлғаларды мемлекеттiк тiркеу немесе қайта тiркеу Қазақстан Республикасының заңнамалық актісіне сәйкес жүргiзiледi.

7. Осы баптың талаптары мынадай талаптардың бірі орындалған:

тізбесін уәкілетті орган белгілейтін рейтингтік агенттіктердің бірінің А рейтингінен төмен емес жеке кредиттік рейтингі, сондай-ақ банк холдингінің, банк холдингі белгілерін иеленуші тұлғаның шыққан елінің қаржылық қадағалау органының көрсетілген Қазақстан Республикасының резиденттері емес тұлғалардың шоғырландырылған қадағалауға жататындығы туралы жазбаша растауы болған;

уәкілетті орган мен шет мемлекеттің тиісті қадағалау органы арасында ақпарат алмасу туралы келісім, сондай-ақ рейтингтік агенттіктердің бірінің ең төменгі талап етілетін рейтингі болған кезде банк холдингі, банк холдингінің белгілеріне ие тұлға болып табылатын Қазақстан Республикасының резиденті еместерге қолданылмайды. Ең төменгі рейтинг пен рейтингтік агенттіктердің тізбесі уәкілетті органның нормативтік құқықтық актісімен белгіленеді;

Ескерту. 60-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154 Заңымен, 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен, 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.12.26 № 61-V (2012.02.04 бастап қолданысқа енгізіледі); 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңдарымен.

60-1-бап. Банктерді ерікті түрде қайта ұйымдастыру ерекшеліктері

Ескерту. 60-1-баптың тақырыбы жаңа редакцияда - ҚР 27.02.2017 № 49-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

1. Банкті басқа банкке біріктірген кезде, біріктірілетін банктің акцияларын әрбір банктің директорлар кеңесі оны алдын ала мақұлдағаннан кейін қайта ұйымдастырылатын банктер акционерлерінің бірлескен жалпы жиналысында бекітілетін акцияларды айырбастау коэффициенті негізінде айқындалатын санда өз акцияларын біріктірілетін банктің акционерлері арасында орналастыру (өткізу) арқылы өзіне біріктірілу жүзеге асырылатын банк сатып алады. Бұл ретте "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 83-бабының біріктірілетін қоғамның акцияларын сату бағасына және өзіне біріктіру жүзеге асырылатын қоғамның акцияларын орналастыру (өткізу) бағасына қатысты ережелері (оның ішінде қоғам органдарының осы бағаларды айқындауы, қарауы және бекітуі жөніндегі ережелер) қолданылмайды.

2. Осы Заңның 60-бабының 3-тармағында көрсетілген құжаттардан басқа, біріктіру нысанында ерікті түрде қайта ұйымдастыруды жүргізуге уәкілетті органның рұқсатын алу туралы өтінішхатқа "Акционерлік қоғамдар туралы" Қазақстан Республикасының Заңына сәйкес қайта ұйымдастырылатын банктер акционерлерінің бірлескен жалпы жиналысында қабылданған шешім негізінде атқарушы органдардың бірінші басшылары қол қойған біріктіру туралы шарт қоса берілуге тиіс.

3. Біріктірілетін банктің кредиторлар және (немесе) депозиторлар алдындағы міндеттемелері бірігу жүзеге асырылатын банкке берілгеннен кейін осындай кредиторлар және (немесе) депозиторлар алдындағы міндеттемелерді орындауды, оның ішінде депозиторлардың берілген банк шоттарын жүргізуді бірігу жүзеге асырылатын банк жүзеге асырады.

4. Біріктірілетін банк бірігу жүзеге асырылатын банкке депозиторлар алдындағы міндеттемелерді банктік қызмет көрсету шарттарына қосымша келісімдер жасамастан, біріктірілетін банкте ашылған олардың банк шоттарымен (жеке сәйкестендіру кодтарын сақтай отырып), олар бойынша ақша қозғалысының тарихымен, банк шоттарын ашу және жүргізу кезінде қалыптастырылған дерекнамамен, банк шоты бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда, орындалмаған талаптармен және міндеттемелерді беру кезінде депозиторлардың біріктірілетін банктегі банк шоттары бойынша ауыртпалықтарымен бірге беруге құқылы.

5. Бірігу жүзеге асырылатын банк депозиторлардың банк шоттарының деректемелерінің (оның ішінде, біріктірілетін банк берген жеке сәйкестендіру кодтарының) сақталуын қамтамасыз ету мақсатында қайта ұйымдастыру рәсімдерін жүргізу мерзімінің шеңберіндегі қажетті мерзімде депозиторлардың бірігу жүзеге асырылатын банкке берілген банк шоттары бойынша нұсқауларды оларда көрсетілген, депозиторлардың біріктірілетін банк берген жеке сәйкестендіру кодтарымен, сондай-ақ төлемдер мен ақша аударымдарын жүзеге асыру кезінде пайдаланылатын біріктірілетін банктің тиісті деректемелерімен орындауға құқылы. Мұндай нұсқауларды орындау біріктірілетін банктің корреспонденттік шоты пайдаланыла отырып жүргізіледі. Бірігу жүзеге асырылатын банк біріктірілетін банктің банктік ақпараттық жүйесін пайдалануға құқылы.

6. Қайта ұйымдастыру рәсімінің шеңберінде құқықтары (талаптары) мен міндеттемелері берілетін банк клиенттерінің дербес деректерін жинауды және өңдеуді бірігу жүзеге асырылатын банк дербес деректер субъектілерінің немесе олардың заңды өкілдерінің келісуінсіз жүзеге асырады.

7. Банкті қайта ұйымдастыру рәсімдерін жүргізу шеңберіндегі қажетті мерзім ішінде өзіне қосылу жүзеге асырылатын банк депозиторлардың банктік шоттарына Қазақстан Республикасы заңнамасының талаптарын сақтай отырып жеке сәйкестендіру кодтарын береді және "Салық және бюджетке төленетін басқа да міндетті төлемдер туралы" Қазақстан Республикасы Кодексінің (Салық кодексі) 24-бабы бірінші бөлігінің 1) тармақшасында көзделген тәртіппен, салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік органды "Салық және бюджетке төленетін басқа да міндетті төлемдер туралы" Қазақстан Республикасы Кодексінің (Салық кодексі) 24-бабы бірінші бөлігінің 1) тармақшасында көзделген салық төлеушілердің банктік шоттары бойынша жеке сәйкестендіру кодтарының өзгергені туралы хабардар етеді.

Банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың орындауға қабылданған өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға, депозиторлардың банктік шоттары бойынша ауыртпалық салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда, депозиторлардың өздеріне қойылған орындалмаған талаптар бар банктік шоттарының жеке сәйкестендіру кодтарын өзгерткеннен кейін:

өзіне қосылу жүзеге асырылатын банк депозитордың банктік шотына талапты (банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда) жіберген немесе депозиторлардың банктік шоттары бойынша ауыртпалықтар салған тұлғаны (органды) депозитордың банктік шоты деректемелерінің, оның ішінде жеке сәйкестендіру кодының өзгергені туралы хабардар етеді;

депозитордың өзіне қосылу жүзеге асырылатын банкке берілген банктік шотына бұрын қойылған орындалмаған талаптарды өзіне қосылу жүзеге асырылатын банк қосылатын банктің деректемелерін (атауын, банктік сәйкестендіру кодын, бизнес-сәйкестендіру нөмірін) өзіне қосылу жүзеге асырылатын банктің тиісті деректемелеріне, сондай-ақ депозитордың жеке сәйкестендіру кодын осы тармақтың бірінші бөлігіне сәйкес банктік шотқа берілген депозитордың тиісті жеке сәйкестендіру кодына түзете отырып, депозиторлардың осындай банк ашқан банктік шоттарынан орындайды;

депозитордың өзіне қосылу жүзеге асырылатын банкке берілген банктік шотына бұрын қойылған, банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың орындалмаған өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың орындалмаған шешімдерін (қаулыларын) өзіне қосылу жүзеге асырылатын банк олардың қосылатын банкке келіп түсуінің күнтізбелік кезектілігін сақтай отырып және Қазақстан Республикасының Азаматтық кодексінде көзделген тәртіппен, депозиторлардың өзіне қосылу жүзеге асырылатын банк ашқан банктік шоттарынан орындайды.

Өзіне қосылу жүзеге асырылатын банк депозиторлардың банктік шоттарына қызмет көрсетуді Қазақстан Республикасы заңнамасының талаптарына және міндеттемелері осы банкке өткен банктік қызмет көрсету шарттарының талаптарына сәйкес жүргізеді.

Ескерту. Заң 60-1-баппен толықтырылды - ҚР 19.03.2014 № 179-V (алғашқы ресми жарияланған күнінен бастап қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 27.04.2015 № 311-V (01.09.2014 бастап қолданысқа енгізіледі); 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.06.2018 бастап қолданысқа енгізіледі) Заңдарымен.

61-бап. Банкті және банк холдингін ерiктi түрде қайта құруға рұқсат беруден бас тарту

Ескерту. Тақырыпқа өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

Банкті (банк холдингін) ерiктi түрде қайта құруға Ұлттық Банкiнiң рұқсат беруден бас тартуы мынадай кез келген негiздер бойынша жүргiзiледi:

а) ерiктi түрде қайта құрылатын банктердің (банк холдингтерінің) жоғары органдарының тиiстi шешiмдерiнiң болмауы;

б) көзделiп отырған ерiктi түрде қайта құру салдарынан депозиторлар мүдделерiнiң бұзылуы;

в) көзделiп отырған ерiктi түрде қайта құру салдарынан пруденциалдық қалыптардың және сақталуға мiндеттi өзге де нормалар мен лимиттердiң бұзылуы;

г) көзделiп отырған қайта ұйымдастыру нәтижесінде Қазақстан Республикасының бәсекелестікті қорғау саласындағы заңнамасы талаптарының бұзылуы.

Ескерту. 61-бапқа өзгеріс енгізілді - ҚР 1997.07.11 № 154 Заңымен, 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 29.10.2015 № 376-V (01.01.2016 бастап қолданысқа енгізіледі) Заңдарымен.

7-1-тарау. Банк қызметтерін тұтынушылардың құқықтарын қорғау жөніндегі шаралар

Ескерту. 7-1-тараумен толықтырылды - ҚР 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

61-1-бап. Депозиттерге міндетті кепілдік беру

1. Қазақстан Республикасының екінші деңгейдегі банктері депозиторларының мүдделерін қорғау мақсатында депозиттерге міндетті кепілдік беру жүйесі құрылады.

Депозиттерге міндетті кепілдік беруді арнайы құрылған коммерциялық емес ұйым жүзеге асырады.

Депозиттерге міндетті кепілдік беру жүйесінің жұмыс істеуінің құқықтық негіздері, оның қатысушыларының құқықтары, міндеттері Қазақстан Республикасының заңнамасында айқындалады.

2. Ислам банктерін қоспағанда, депозиттер қабылдауға, жеке тұлғалардың банктік шоттарын ашуға және жүргізуге лицензиялары бар екінші деңгейдегі барлық банктер үшін депозиттерге міндетті кепілдік беру жүйесіне қатысу міндетті болып табылады.

61-2-бап. Банктің активтері мен міндеттемелерін басқа банкке (банктерге) бір мезгілде беру жөніндегі операция

1. Банк кредиторлары мен депозиторларының құқықтарын қорғау мақсатында уәкілетті органмен келісу бойынша банк активтері мен міндеттемелерінің бір бөлігін не оларды толық мөлшерде басқа банкке (банктерге) (бұдан әрі – сатып алушы банк) бір мезгілде беру жөніндегі операцияны жүргізуге жол беріледі.

2. Осы бапта көзделген операцияны жүргізу тәртібі, көрсетілген операцияны жүргізу кезінде берілуге жататын активтер мен міндеттемелердің түрлері, сондай-ақ осы операцияны уәкілетті органмен келісу тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

Бас банк пен еншілес банк арасында активтер мен міндеттемелерді бір мезгілде беру жөніндегі операция осы Заңның 61-4-бабында көзделген ерекшеліктер ескеріле отырып, осы бапқа сәйкес жүргізіледі.

3. Банк банктің активтерінің және (немесе) міндеттемелерінің бір бөлігін не оларды толық мөлшерде беру туралы хабарландыруды жариялайды. Хабарландыру осы баптың 1-тармағында көрсетілген операцияны уәкілетті органмен келіскеннен кейін Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспасөз басылымдарында, банктің интернет-ресурсында қазақ және орыс тілдерінде жарияланады.

4. Осы тармақтың төртінші бөлігінде көзделген жағдайларды қоспағанда, банктің міндеттемелерін осы бапта көзделген тәртіппен беру банк депозиторларының және (немесе) кредиторларының келісімімен жүзеге асырылады.

Банк активтер мен міндеттемелерді сатып алушы банкке бір мезгілде беру жөніндегі операцияны жүргізу кезінде хабарландыру жарияланған күннен бастап күнтізбелік он күн ішінде банк депозиторларынан және (немесе) кредиторларынан жазбаша қарсылықтың болмауы депозитордың және (немесе) кредитордың міндеттемелерді беруге келісуі ретінде қаралады.

Осы тармақтың төртінші бөлігінде көзделген жағдайларды қоспағанда, осы Заңның 61-4-бабында көзделген операцияны жүргізу кезінде міндеттермелерді беруге қарсы депозиторлардың қарсылықтары болған кезде мұндай депозитор банктің міндеттемелерді беруіне жазбаша бас тартумен күнтізбелік он күннен кешіктірмей банкке жүгінуге міндетті. Депозитор бас тартуға Қазақстан Республикасы заңнамасының талаптарына және банктік қызмет көрсету шартының талаптарына сәйкес ресімделген, депозитті қолма-қол ақшамен беру туралы немесе оның сомасын басқа банкке аудару туралы нұсқауды қоса береді.

Осы Заңның 61-4-бабында көзделген операцияны жүргізу кезінде, банктік шоттарына банк шоты бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда, орындалмаған талаптар, депозиторлардың банк шоттары бойынша ауыртпалықтар бар, депозиторлар алдындағы банк міндеттемелері депозиторлардың міндеттемелерді беру бойынша қарсылықтарының болуына қарамастан сатып алушы банкке беріледі.

5. Кредиторлар және (немесе) депозиторлар алдындағы банк міндеттемелері сатып алушы банкке берілгеннен кейін осындай кредиторлар және (немесе) депозиторлар алдындағы міндеттемелерді орындауды, оның ішінде депозиторлардың берілген ағымдағы және жинақ шоттарын жүргізуді сатып алушы банк жүзеге асырады.

6. Банк сатып алушы банкке депозиторлар алдындағы міндеттемелерді банктік қызмет көрсету шарттарына қосымша келісімдер жасамастан, банкте бар олардың банк шоттарымен (жеке сәйкестендіру кодтарын сақтай отырып), олар бойынша ақша қозғалысының тарихымен, банк шоттарын ашу және жүргізу кезінде қалыптастырылған дерекнамамен, банк шоты бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда, орындалмаған талаптармен және міндеттемелерді беру кезінде депозиторлардың банктегі банк шоттары бойынша ауыртпалықтармен бірге беруге құқылы.

7. Сатып алушы банк депозиторлардың банк шоттары деректемелерінің (оның ішінде банк берген жеке сәйкестендіру кодтарының) сақталуын қамтамасыз ету мақсатында уәкілетті органның нормативтік құқықтық актісінде белгіленген өтпелі кезең ішінде депозиторлардың сатып алушы банкке берілген банк шоттары бойынша нұсқауларды оларда көрсетілген, депозиторлардың банк берген жеке сәйкестендіру кодтарымен, сондай-ақ төлемдер мен ақша аударымдарын жүзеге асыру кезінде пайдаланылатын банктің тиісті деректемелерімен орындауға құқылы. Банктің корреспонденттік шотын пайдалана отырып осындай нұсқауларды орындаудың ерекшеліктері банк пен сатып алушы банктің келісімі бойынша айқындалады.

8. Өтпелі кезең ішінде сатып алушы-банк депозиторлардың банктік шоттарына Қазақстан Республикасы заңнамасының талаптарын сақтай отырып жеке сәйкестендіру кодтарын береді және "Салық және бюджетке төленетін басқа да міндетті төлемдер туралы" Қазақстан Республикасы Кодексінің (Салық кодексі) 24-бабы бірінші бөлігінің 1) тармақшасында көзделген тәртіппен, салықтардың және бюджетке төленетін басқа да міндетті төлемдердің түсуін қамтамасыз ету саласындағы басшылықты жүзеге асыратын уәкілетті мемлекеттік органды "Салық және бюджетке төленетін басқа да міндетті төлемдер туралы" Қазақстан Республикасы Кодексінің (Салық кодексі) 24-бабы бірінші бөлігінің 1) тармақшасында көзделген салық төлеушілердің банктік шоттары бойынша жеке сәйкестендіру кодтарының өзгергені туралы хабардар етеді.

Банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың орындауға қабылданған өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға, депозиторлардың банктік шоттары бойынша ауыртпалық салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда, депозиторлардың өздеріне қойылған орындалмаған талаптар бар банктік шоттарының жеке сәйкестендіру кодтарын өзгерткеннен кейін:

сатып алушы-банк депозитордың банктік шотына талапты (банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың шешімдерін (қаулыларын) қоса алғанда) жіберген немесе депозиторлардың банктік шоттарына ауыртпалықтар салған тұлғаны (органды) депозитордың банктік шоты деректемелерінің, оның ішінде жеке сәйкестендіру кодының өзгергені туралы хабардар етеді;

депозитордың сатып алушы-банкке берілген банктік шотына бұрын қойылған орындалмаған талаптарды сатып алушы-банк банктің деректемелерін (атауын, банктік сәйкестендіру кодын, бизнес-сәйкестендіру нөмірін) сатып алушы-банктің тиісті деректемелеріне, сондай-ақ депозитордың жеке сәйкестендіру кодын осы тармақтың бірінші бөлігіне сәйкес банктік шотқа берілген депозитордың тиісті жеке сәйкестендіру кодына түзете отырып, депозиторлардың сатып алушы-банк ашқан банктік шоттарынан орындайды;

депозитордың сатып алушы-банкке берілген банктік шотына бұрын қойылған, банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың орындалмаған өкімдерін, сондай-ақ клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды адамдардың орындалмаған шешімдерін (қаулыларын) сатып алушы-банк олардың банкке келіп түсуінің күнтізбелік кезектілігін сақтай отырып және Қазақстан Республикасының Азаматтық кодексінде көзделген тәртіппен, депозиторлардың сатып алушы-банк ашқан банктік шоттарынан орындайды.

Сатып алушы-банк депозиторлардың банктік шоттарына қызмет көрсетуді Қазақстан Республикасы заңнамасының талаптарына және міндеттемелері осы банкке өткен банктік қызмет көрсету шарттарының талаптарына сәйкес жүргізеді.

9. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

10. Егер шартта өзгеше көзделмесе, құқықтар (талаптар) түрінде банк активтерін беру борышкердің (борышкерлердің) келісімін талап етпейді.

Банк борышкерді (борышкерлерді) хабардар ету мақсатында осы баптың 3-тармағында көрсетілген, банк құқықтарының (талаптарының) бір бөлігін не оларды толық мөлшерде беру туралы хабарландыруды жариялайды. Борышкер құқықтарды (талаптарды) берген банкке өзінің міндеттемелерінің бір бөлігін немесе оларды толық мөлшерде орындаған жағдайда, осы орындау тиісті кредитор үшін орындалған деп танылады.

11. Банк активтері мен міндеттемелерін беру шартқа тапсыру актісін қоса бере отырып, активтер мен міндеттемелерді бір мезгілде беру туралы шарт жасасу арқылы жүзеге асырылады.

Тапсыру актісінде берілетін активтер, берілетін активтер бойынша міндеттемелердің орындалуын қамтамасыз ететін құқықтар және міндеттемелер туралы мәліметтер қамтылуға тиіс.

Активтер мен міндеттемелерді бір мезгілде беру туралы шартқа Қазақстан Республикасы Азаматтық кодексінің мiндеттемедегi тұлғалардың ауысуы туралы ережелері қолданылады.

12. Осы Заңның 61-4-бабында көзделген жағдайды қоспағанда, акциялар немесе заңды тұлғалардың, филиалдар мен өкілдіктердің жарғылық капиталына қатысу үлестері түрінде банк активтерін сатып алушы банкке беру осы Заңның және Қазақстан Республикасының өзге де заңнамалық актілерінің талаптарына сәйкес жүргізіледі.

13. Сатып алушы банк активтер мен міндеттемелерді берген банктің банктік ақпараттық жүйесін пайдалануға құқылы.

14. Осы баптың 1-тармағында көрсетілген операцияны жүргізу кезінде құқықтары (талаптары) мен міндеттемелері берілетін банк клиенттерінің дербес деректерін жинауды және өңдеуді сатып алушы банк дербес деректер субъектілерінің немесе олардың заңды өкілдерінің келісуінсіз жүзеге асырады.

15. Қайта құрылымдау процесіндегі банктің активтері мен міндеттемелерін беру осы Заңның 6-1-тарауының ережелеріне сәйкес қайта құрылымдау жоспары шеңберінде жүзеге асырылады.

Ескерту. 61-2-бап жаңа редакцияда - ҚР 27.04.2015 № 311-V Заңымен (01.01.2015 бастап қолданысқа енгізіледі); өзгерістер енгізілді - ҚР 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.12.2017 № 122-VI (01.01.2018 бастап қолданысқа енгізіледі); № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

61-3-бап. Консервациялау режиміндегі банктің активтері мен міндеттемелерін тұрақтандыру банкіне берудің ерекшеліктері

Ескерту. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

61-4-бап. Бас банк пен еншілес банк арасында активтер мен міндеттемелерді бір мезгілде беру жөніндегі операцияны жүргізу ерекшеліктері

Ескерту. 61-4-баптың тақырыбы жаңа редакцияда - ҚР 27.02.2017 № 49-VI Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

1. Еншілес банктен бас банкке активтердің бір бөлігін не оларды толық мөлшерде және салымдарды орналастыру мен ұлттық басқарушы холдингтің алынған қарыздарына байланысты міндеттемелерді қоспағанда, міндеттемелерді толық мөлшерде бір мезгілде беру және бас банктен еншілес банкке күмәнді және үмітсіз активтердің бір бөлігін не оларды толық мөлшерде бір мезгілде беру жөніндегі операция бір шарттың шеңберінде уәкілетті органмен келісу бойынша жүргізіледі.

2. Осы баптың мақсаттары үшін еншілес банк деп осы Заңға сәйкес өзіне қатысты қайта құрылымдау жүргізілген, бас банкке активтердің бір бөлігін не оларды толық мөлшерде және салымдарды орналастыру мен ұлттық басқарушы холдингтің алынған қарыздарына байланысты міндеттемелерді қоспағанда, міндеттемелерді толық мөлшерде беретін және бас банктен күмәнді және үмітсіз активтердің бір бөлігін не оларды толық мөлшерде қабылдайтын еншілес банк түсініледі.

3. Осы бапта айқындалған негіздер бойынша және тәртіппен құқықтарды (талаптарды) басқаға беру бас немесе еншілес банктің жеке және заңды тұлғалармен жасасқан шарттарына жаңа кредиторды, кепіл ұстаушыны көрсету бөлігінде өзгерістер мен толықтырулар енгізуді талап етпейді.

Осы бапта айқындалған негіздер бойынша және тәртіппен құқықтарды (талаптарды) басқаға беру кезінде қарыз алушының, кепіл берушінің, кепілгердің және өзге де тұлғалардың басқаға беруге келісімі талап етілмейді. Бұл ретте, жаңа кредитордың жеке басы борышкер үшін елеулі маңызы жоқ деп танылады.

4. Активтер мен міндеттемелерді бір мезгілде беру туралы шартты (тапсыру актісі қоса беріле отырып) сатып алушы банк берілетін активтер бойынша міндеттемелердің орындалуын қамтамасыз ететін құқықтар өткен, бір мезгілде кепіл ұстаушы болып табылатын жаңа кредитор туралы мәліметтерді құқықтық кадастрға, сондай-ақ жылжымалы мүлік кепілінің тізіліміне, бағалы қағаздарды ұстаушылар тізілімдерінің жүйесіне енгізу мақсатында уәкілетті тіркеуші органға (ұйымға) береді.

Осы бапта айқындалған негіздер бойынша және тәртіппен құқықтарды (талаптарды) басқаға беру бір мезгілде кепіл ұстаушы болып табылатын жаңа кредиторға үшінші тұлғалардың немесе мемлекеттік органдардың тарапынан тіркелген ауыртпалықтар, тыйым салулар, мүлікке иелік етуге қатысты өзге де шектеулер бар мүлікке құқықтардың өтуі үшін де негіз болып табылады.

5. Сатып алушы банк активтер мен міндеттемелерді бір мезгілде беру туралы шарт жасалған күннен бастап осы Заңның 30-бабында көзделген банк операциялары мен өзге де операциялар және қызмет түрлері бойынша кредитор (қарыз беруші) деп танылады және онда құқықтары (талаптары) берілген банктің барлық құқықтары мен міндеттері болады.

6. Акциялар немесе заңды тұлғалардың, филиалдар мен өкілдіктердің жарғылық капиталына қатысу үлестері түрінде еншілес банктің активтерін бас банкке беру, осы баптың 1-тармағында көрсетілген келісімнен басқа, осы Заңда және Қазақстан Республикасының өзге де заңдарында көзделген, уәкілетті органнның қосымша рұқсаттарын, келісімдерін немесе хабарламаларын бас банктің алуын талап етпейді.

7. Осы баптың 1-тармағында көрсетілген операция жүзеге асырылғаннан кейін банк операциялары мен өзге де операцияларды және бағалы қағаздар нарығындағы қызметті жүргізуге берілген лицензия еншілес банктің уәкілетті органға лицензияның қолданылуын тоқтату туралы ерікті түрдегі өтінішіне байланысты өз қолданысын тоқтатады.

8. Банк операциялары мен өзге де операцияларды және бағалы қағаздар нарығындағы қызметті жүргізуге берілген лицензияның қолданысы тоқтатылғаннан кейін бұрын еншілес банк болып табылған заңды тұлға:

өз атауында "банк" деген сөзді сақтап қалуға құқылы;

осы бапта көрсетілген операцияны жүргізу кезінде құқықтары (талаптары) мен міндеттемелері берілген, бас банк клиенттерінің дербес деректерін жинауды және өңдеуді дербес деректер субъектілерінің немесе олардың заңды өкілдерінің келісуінсіз жүзеге асыруға құқылы;

өзіне берілген құқықтар (талаптар) бойынша кредитор (қарыз беруші) деп танылады және банктік қарыз шарттарында белгіленген, өзінде қалған құқықтар (талаптар) бойынша кредитордың (банктің, қарыз берушінің) құқықтары мен міндеттерін сақтап қалады;

жекелеген банк операцияларын жүзеге асыратын ұйым болып табылмайды және осы баптың 9-тармағында көзделген тәртіппен банк операцияларын жүзеге асыруға құқылы.

9. Лицензияның қолданысы тоқтатылғаннан кейінгі өтпелі кезеңде бұрын еншілес банк болып табылған заңды тұлға уәкілетті органның лицензиясынсыз банк операцияларының мынадай түрлерін жүзеге асыруға құқылы:

1) бас банктің төлемдер мен ақша аударымдарын жүзеге асыруына, оның ішінде депозиторлардың бас банкке берілген банк шоттары бойынша еншілес банктің корреспонденттік шотын пайдалана отырып жүзеге асыруына байланысты аударым операциялары;

2) бас банктің корреспонденттік шотын ашу және жүргізу;

3) депозиттерді қабылдау, ұлттық басқарушы холдингтің, екінші деңгейдегі банктердің кредиттік портфельдерінің сапасын жақсартуға маманданған ұйымның банк шоттарын ашу және жүргізу;

4) осы баптың 8-тармағына сәйкес банктік қарыз шарттарында белгіленген, өзіне берілген және өзінде қалған құқықтар (талаптар) бойынша қарыз операциялары.

10. Осы баптың 1, 3, 4, 5 және 6-тармақтарының ережелері осы бапта көзделген операцияны бұрын жүзеге асырған еншілес банктен активтерді және міндеттемелерді бір мезгілде бас банкке беру жөніндегі операцияларға қолданылады.

Ескерту. 7-1-тарау 61-4-баппен толықтырылды - ҚР 27.04.2015 № 311-V Заңымен (01.01.2015 бастап қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 27.02.2017 № 49-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

61-5-бап. Банктік көрсетілетін қызметтерді ұсынудың үздіксіздігін қамтамасыз ету

1. Банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым ақпараттық жүйенің қызметін қалпына келтіру үшін банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ақпараттық жүйесінің резервтік орталығының, резервтік байланыс арналарының жұмысын қамтамасыз етеді.

2. Банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым ақпараттық жүйенің жұмысын қамтамасыз ететін техникалық, бағдарламалық және басқа да құралдарға енгізілетін және банктік көрсетілетін қызметтердің клиентке қолжетімділігіне әсер ететін, қолданысқа енгізілуі жоспарланып отырған өзгерістер (жаңартулар) туралы банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ішкі қағидаларында немесе шартта белгіленген тәртіппен және мерзімде клиенттерді хабардар етеді.

3. Банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым клиенттерге көрсетілетін қызметтерді ұсынудың кепілді үздіксіз деңгейін қамтамасыз етеді, ол банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның ішкі қағидаларында белгіленеді және банктің немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымның интернет-ресурсында міндетті түрде орналастырылуға жатады.

4. Банктердің және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың ақпараттық жүйелері жұмысының қауіпсіздігі мен үздіксіздігіне қойылатын талаптарды уәкілетті орган белгілейді.

5. Банк немесе банк операцияларының жекелеген түрлерін жүзеге асыратын ұйым ақпараттық қауіпсіздік қатерлеріне қарсы іс-қимыл жасау, алдын алу шараларын іске асыру және ақпараттық қауіпсіздік қатерлерінің профилактикасы мақсаттарында ақпараттық қауіпсіздікті басқару жүйесінің болуын қамтамасыз етеді, онда мыналар:

1) ақпараттық қауіпсіздікті қамтамасыз ету жөніндегі қызметті және қатерлерді анықтау мен талдау, шабуылдарға қарсы іс-қимыл жасау және ақпараттық қауіпсіздіктің оқыс оқиғаларын тергеп-тексеру жөніндегі іс-шараларды мониторингілеу;

2) ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, ақпараттық қауіпсіздіктің оқыс оқиғалары туралы ақпаратты жинау, шоғырландыру және сақтау;

3) ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, ақпараттық қауіпсіздіктің оқыс оқиғалары туралы ақпаратты талдау;

4) уәкілетті органның нормативтік құқықтық актісінде белгіленген, ақпараттық қауіпсіздікті қамтамасыз етуге қойылатын өзге де талаптар көзделеді.

6. Банктер ақпараттық қауіпсіздікті басқару жүйелерінің бар-жоғы туралы, сондай-ақ ақпараттық қауіпсіздікті қамтамасыз етуге қойылатын талаптардың сақталуы туралы мәліметтерді ақпараттық қауіпсіздік саласындағы уәкілетті органмен келісу бойынша уәкілетті органның нормативтік құқықтық актісінде айқындалған тәртіппен және мерзімдерде Ақпараттық қауіпсіздікті ұлттық үйлестіру орталығына ұсынады.

7. Банктер және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдар ақпараттық қауіпсіздікті қамтамасыз етеді және ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, ақпараттық қауіпсіздіктің оқыс оқиғалары туралы ақпаратты уәкілетті органға береді.

Банктердің және банк операцияларының жекелеген түрлерін жүзеге асыратын ұйымдардың ақпараттық қауіпсіздігін қамтамасыз етуге қойылатын талаптар, ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, ақпараттық қауіпсіздіктің оқыс оқиғалары туралы ақпаратты беру тәртібі мен мерзімдері уәкілетті органның нормативтік құқықтық актісінде айқындалады.

8. Қазақстан Республикасының қаржылық және (немесе) төлем жүйесінің тұрақтылығына қатер төнген кезде, ақпараттық жүйелердегі бұзушылықтар, іркілістер туралы мәліметтерді қоса алғанда, ақпараттық қауіпсіздіктің оқыс оқиғасының елеулі екендігі туралы шешім қабылдаған жағдайда уәкілетті орган Ақпараттық қауіпсіздікті ұлттық үйлестіру орталығына ақпарат, оның ішінде банктік құпияны құрайтын ақпаратты жіберуге құқылы.

Ескерту. 7-1-тарау 61-5-баппен толықтырылды - ҚР 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңымен; өзгеріс енгізілді - ҚР 28.12.2017 № 128-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

7-2-тарау. Қаржылық тұрақтылықты қамтамасыз ету және төлемге қабілетсіз банктерді реттеу жөніндегі шаралар

Ескерту. Заң 7-2-тараумен толықтырылды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

61-6-бап. Банкті өз депозиторларының және кредиторларының мүдделеріне қатер төндіретін және (немесе) қаржы жүйесінің тұрақтылығына қатер төндіретін қаржылық жағдайы орнықсыз банктер санатына жатқызу

1. Уәкілетті орган мынадай белгілердің кез келгені болған кезде банкті өз депозиторларының және кредиторларының мүдделеріне қатер төндіретін және (немесе) қаржы жүйесінің тұрақтылығына қатер төндіретін қаржылық жағдайы орнықсыз банктер санатына (бұдан әрі – қаржылық жағдайы орнықсыз банк) жатқызады:

1) меншікті капиталдың жеткіліктілігі коэффициенттері мәндерінің және оның мөлшерінің уәкілетті орган белгілеген ең төмен мәндерден төмен деңгейге дейін төмендеуі;

2) банкте ақшаның болмауына немесе жеткіліксіздігіне байланысты банктің кредиторлардың ақшалай міндеттемелерін және міндеттемелер бойынша ақшалай сипаттағы өзге де талаптарын орындамауы;

3) банктің қаржылық және өзге де есептілігінде анық көрсетілуі банктің меншікті капиталының жеткіліктілігі коэффициенттерін бұзуына және (немесе) кредиторлардың ақшалай міндеттемелерін және ақшалай сипаттағы өзге де талаптарын орындамауына алып келетін фактілерді (мәмілелерді) уәкілетті органның анықтауы;

4) уәкілетті органның бақылау және қадағалау жөніндегі функцияларды жүзеге асыру шеңберінде банк қызметінде банктің тұрақты жұмыс істеуіне және (немесе) оның депозиторларының және (немесе) кредиторларының мүдделеріне және (немесе) қаржы жүйесінің тұрақтылығына қатер төндіретін жағдайдың жасалуына алып келуі мүмкін кемшіліктерді және (немесе) тәуекелдерді анықтауы.

Қазақстан Республикасы бейрезидент-банктерінің филиалдарына осы тармақтың бірінші бөлігінің 1) және 3) тармақшаларын қолдану мақсаттары үшін меншікті капиталдың жеткіліктілік коэффициенті деп резерв ретінде қабылданатын активтердің жеткіліктілік коэффициенті түсініледі, Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық есептілігі деп Қазақстан Республикасы бейрезидент-банкі филиалының бухгалтерлік есепке алу деректері бойынша есептілік түсініледі.

2. Уәкілетті органның банкті қаржылық жағдайы орнықсыз банктер санатына жатқызу туралы шешімі қабылданған күнінен бастап бес жұмыс күні ішінде банктің, Қазақстан Республикасы Ұлттық Банкінің және депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымның назарына жеткізіледі және аталған тұлғалардың таратуына жатпайды.

3. Уәкілетті орган банкті қаржылық жағдайы орнықсыз банктер санатына жатқызған жағдайда, осы Заңның 45-1-бабында көзделген қадағалап ден қою шараларына қосымша банкке бару арқылы, оның ішінде бағалаушыларды, аудиторлық және басқа ұйымдарды тарта отырып, оның қаржылық және мүліктік жағдайына бағалау (талдау) жүргізуге құқылы.

Уәкілетті органның банкті қаржылық жағдайы орнықсыз банктер санатына жатқызу туралы шешімінде көрсетілген күннен бастап:

1) банк пайданы бөлу, дивидендтерді төлеу, ірі қатысушылар және (немесе) банк холдингтері алдында кез келген қаржылық міндеттемелерді орындау, сондай-ақ жалақы төлеу мен Қазақстан Республикасының заңнамасында белгіленген жағдайларды қоспағанда, банктің басшы қызметкерлеріне сыйақылар төлеу туралы шешімдер қабылдауға, сондай-ақ бұрын қабылданған шешімдерді орындауға құқылы емес;

2) осы Заңға сәйкес алынған ірі қатысушы және (немесе) банк холдингі мәртебесі жоқ акционерлер банк акционерлерінің жалпы жиналысында дауыс беруге қатысуға құқылы емес. Қаржылық жағдайы орнықсыз банктер санатына жатқызылған банк акционерлерінің жалпы жиналысын өткізу үшін акционерлердің жалпы жиналысына банктің ірі қатысушысы немесе банк холдингі мәртебесі бар барлық акционерлер (акционерлердің өкілдері) қатысқан жағдайда кворум сақталған болып табылады.

4. Қаржылық жағдайы орнықсыз банктер санатына жатқызылған банк және оның ірі қатысушылары, банк холдингі оның қызметін Қазақстан Республикасы заңнамасына және уәкілетті органның талаптарына сәйкес келтіру арқылы банктің қаржылық жағдайын жақсарту, тәуекелдерді барынша азайту бойынша шаралар қабылдауға міндетті. Филиалы қаржылық жағдайы орнықсыз Қазақстан Республикасы бейрезидент-банктері филиалдарының санатына жатқызылған Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкі филиалының қаржылық жағдайын жақсарту жөнінде, оның ішінде осы Заңның 42-бабы 6-тармағының екінші бөлігінде көзделген, резерв ретінде қабылданатын активтердің мөлшерін ұлғайту, оның қызметін Қазақстан Республикасының заңнамасына және уәкілетті органның талаптарына сәйкес келтіру арқылы тәуекелдерді барынша азайту жөнінде шаралар қабылдауға міндетті.

Осы тармақтың бірінші бөлігінде көрсетілген, Қазақстан Республикасының бейрезидент-банкі қабылдайтын шаралар жеткіліксіз болған кезде Қазақстан Республикасының бейрезидент-банкі бұрын уәкілетті органға осы Заңның 13-1-бабы 2-тармағының 12) тармақшасына сәйкес ұсынылған жазбаша міндеттемеге сәйкес Қазақстан Республикасы бейрезидент-банкі филиалының орындалмаған және (немесе) тиісінше орындалмаған міндеттемелерін уәкілетті орган белгілеген мерзімдерде орындайды.

Осы тармақтың бірінші бөлігінде көрсетілген шаралар және оларды әрбір тармақ бойынша іске асыру мерзімдері, сондай-ақ жауапты лауазымды адамдар банк әзірлеген және уәкілетті органға мақұлдау үшін ұсынған қаржылық жағдайды жақсарту жөніндегі іс-шаралар жоспарында айқындалады. Қаржылық жағдайды жақсарту жөніндегі іс-шаралар жоспары банктің ірі қатысушысымен, банк холдингімен, Қазақстан Республикасының бейрезидент-банкімен келісілуге тиіс.

Осы тармақтың бірінші бөлігінде көрсетілген шараларды іске асыру және банктің қаржылық жағдайы орнықсыз банктер санатында болу мерзімдері он екі айдан аспауға тиіс және банкті қаржылық жағдайы орнықсыз банктердің санатына жатқызғаннан кейін оның қаржылық жағдайының жақсару фактілері болған жағдайда, уәкілетті орган оны бір рет он екі айдан аспайтын мерзімге ұзартуы мүмкін.

Уәкілетті орган қаржылық жағдайды жақсарту жөніндегі іс-шаралар жоспарын мақұлдаған кезде, осы тармақтың бірінші бөлігінде аталған тұлғалар уәкілетті органды жоспарда белгіленген мерзімдерде оны орындау нәтижелері туралы хабардар ете отырып, оны іске асыруға кіріседі.

Қаржылық жағдайды жақсарту жөніндегі іс-шаралар жоспары белгіленген мерзімде ұсынылмаған, уәкілетті орган оны мақұлдамаған немесе ол орындалмаған кезде, уәкілетті орган қаржылық жағдайы орнықсыз банкке, оның ірі қатысушыларына, банк холдингіне осы Заңның 45-1-бабында көзделген бір немесе бірнеше қадағалап ден қою шарасын қолданады.

Қаржылық жағдайды жақсарту жөніндегі іс-шаралар жоспарын ұсыну және уәкілетті органның оны мақұлдау тәртібі мен мерзімдері, сондай-ақ оның мазмұнына қойылатын талаптар уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

5. Осы баптың 1-тармағында көрсетілген белгілер жойылған жағдайда, уәкілетті орган осы баптың 4-тармағында белгіленген мерзім ішінде банкті қаржылық жағдайы орнықсыз банктердің санатынан алып тастайды.

Ескерту. 61-6-бапқа өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

61-7-бап. Банкті төлемге қабілетсіз банктер санатына жатқызу

1. Банк осы Заңның 61-6-бабының 4-тармағында көрсетілген мерзім өткен соң банктің қаржылық жағдайының орнықсыздығы белгілерін жоймаған жағдайда, уәкілетті орган банкті төлемге қабілетсіз банктер санатына жатқызуға міндетті.

2. Уәкілетті орган мынадай негіздер бойынша банкті осы Заңның 61-6-бабының 4-тармағында белгіленген мерзімнен бұрын төлемге қабілетсіз банктер санатына жатқызу туралы шешім қабылдауға құқылы:

1) банк өзін қаржылық жағдайы орнықсыз банктер санатына жатқызғаннан кейін банктің қаржылық жағдайының одан әрі нашарлауына алып келетін операциялар (мәмілелер) жасауы, оның ішінде:

банктің өз нәтижесінде банк активтері сапасының едәуір нашарлауы орын алатын мәмілелер жасасуы, оның ішінде активтерді, кепіл нысаналарын банк үшін нашар жаққа қарай сату, алмастыру және егер алмастырудың салдарлары банктің залалдарына алып келсе (алып келетін болса);

банктің тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленген, өздерінің нәтижесінде банк залал шегетін нарықтық емес шарттарда мәмілелер жасасуы, сондай-ақ осы Заңның 40-бабының талаптарын және (немесе) уәкілетті орган қадағалап ден қою шараларын қолдану арқылы белгілеген шектеулерді бұза отырып, банкпен ерекше қатынастар арқылы байланысты тұлғалармен мәмілелер жасасуы;

банктің басқа депозиторлар және (немесе) өзге кредиторлар алдындағы ақшалай міндеттемелерді толық немесе ішінара орындауын мүмкін етпеуге алып келетін міндеттемелерді банктің қабылдауы;

мүлікті өтеусіз не салыстырымды экономикалық жағдайлар кезінде ұқсас мүлік бағасына қарағанда банк үшін нашар жаққа қарай едәуір айырмашылығы болатын бағамен не негіздері болмаса да, кредиторлардың мүдделеріне нұқсан келтіре отырып беру (оның ішінде уақытша пайдалануға беру);

2) банктің меншікті капиталының жеткіліктілігі коэффициенттерін уәкілетті органның нормативтік құқықтық актісінде белгіленген нормативтік мәндердің үштен бірінен төмен деңгейге дейін төмендету түрінде оларды бұзу;

3) ақшаның болмауына немесе жеткіліксіздігіне байланысты банктің он жұмыс күні ішінде депозиторлар мен кредиторлар алдындағы ақшалай міндеттемелерді және ақшалай сипаттағы өзге де талаптарды орындамауы;

4) төлем және аударым операциялары бойынша шарттық міндеттемелерді жүйелі түрде (қатарынын күнтізбелік он екі ай ішінде үш және одан көп рет) тиісінше орындамау;

5) банктің осы Заңның 46-бабында көзделген қаржылық жағдайды жақсарту және (немесе) тәуекелдерді барынша азайту жөніндегі шараларды орындамауы.

3. Егер осы Заңның 61-8-бабында көзделген реттеу жөнінде қабылданған шаралардың нәтижелері бойынша банк өзін осы баптың 2-тармағында көрсетілген, төлемге қабілетсіз банктер санатына жатқызу негіздерін жойса және меншікті капиталдың жеткіліктілігі коэффициенттерін сақтаса, уәкілетті орган банкті төлемге қабілетсіз банктердің санатынан алып тастайды.

4. Қазақстан Республикасы бейрезидент-банктерінің филиалдарына осы баптың 2-тармағының 2) тармақшасын және 3-тармағын қолдану мақсаттары үшін меншікті капиталдың жеткіліктілік коэффициенті деп резерв ретінде қабылданатын активтердің жеткіліктілік коэффициенті түсініледі.

Ескерту. 61-7-бапқа өзгеріс енгізілді – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңымен.

61-8-бап. Төлемге қабілетсіз банкті реттеу жөніндегі шаралар

1. Төлемге қабілетсіз банкті реттеу деп осы бапта көзделген және банктің қаржылық жағдайын сауықтыруға және (немесе) қызметін тоқтатуға бағытталған шараларды қабылдау түсініледі.

Уәкілетті орган төлемге қабілетсіз банкті реттеу бойынша осы бапта көзделген бір немесе бірнеше шараны қолданады.

2. Осы баптың 4-тармағында көзделген, төлемге қабілетсіз банкті реттеу жөніндегі шаралар:

1) банк операцияларын жүзеге асырудың үздіксіздігін қамтамасыз ету;

2) қаржы жүйесінің жүйелік тәуекелдерінің туындауын және таралуын болғызбау;

3) мемлекеттік бюджеттің төлемге қабілетсіз банкті реттеуге арналған шығыстарын барынша азайту;

4) депозиторлар мен кредиторлардың құқықтарын және мүдделерін қорғауды қамтамасыз ету мақсатында қолданылады.

3. Төлемге қабілетсіз банкті реттеу жөніндегі шараларды қолдану мынадай қағидаттарға негізделеді:

1) талаптарды қанағаттандырудың осы Заңның 74-2-бабында көзделген кезектілігіне сәйкес төлемге қабілетсіз банктің депозиторлары мен кредиторларының құқықтарын және мүдделерін сақтау;

2) талаптарды қанағаттандырудың осы Заңның 74-2-бабында көзделген бір кезегінде тұрған депозиторлар мен кредиторлардың құқықтарын және мүдделерін тең сақтау;

3) төлемге қабілетсіз банкті мәжбүрлеп тарату кезіндегі жағдайлармен салыстырғанда оған төлемге қабілетсіз банкті реттеу жөніндегі шараларды қолдануға байланысты төлемге қабілетсіз банктің депозиторлары мен кредиторлары жағдайының нашарлауына жол бермеу;

4) осы баптың 4-тармағында көзделген, төлемге қабілетсіз банкті реттеу жөніндегі шығыны ең аз шараны таңдау.

4. Уәкілетті орган банкті төлемге қабілетсіз банктер санатына жатқызған жағдайда, төлемге қабілетсіз банкке мынадай шаралардың біреуін немесе бірнешеуін қолданады:

1) төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау;

2) төлемге қабілетсіз банк активтерінің барлығын немесе бір бөлігін басқа банкке (басқа банктерге) беру;

3) тұрақтандыру банкін құру және төлемге қабілетсіз банк активтері мен міндеттемелерінің барлығын немесе бір бөлігін осы тұрақтандыру банкіне беру;

4) төлемге қабілетсіз банкті кейіннен мәжбүрлеп тарата отырып, барлық банк операциялары мен өзге де операцияларды жүргізуге берілген лицензиядан айыру.

Қазақстан Республикасы бейрезидент-банкінің филиалы төлемге қабілетсіз Қазақстан Республикасы бейрезидент-банктері филиалдарының санатына жатқызылған жағдайда уәкілетті орган кейіннен төлемге қабілетсіз Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтата отырып, оны барлық банк операцияларын және өзге операцияларды жүргізуге арналған лицензиядан айырады.

5. Төлемге қабілетсіз банкті реттеу кезінде мемлекеттің қатысуы:

1) мәжбүрлеп таратылуы қаржы жүйесі үшін жүйелік тәуекелдер әкелетін банк төлемге қабілетсіз банк болып табылған;

2) төлемге қабілетсіз банкке мемлекеттік қолдау ұсыну осы баптың 4-тармағының 1), 2) және 3) тармақшаларында көзделген, төлемге қабілетсіз банкті реттеу жөніндегі шараларды тиімді қолдануға мүмкіндік берген жағдайда жүзеге асырылады.

6. Төлемге қабілетсіз банкті реттеу кезінде мемлекеттің қатысуы:

1) төлемге қабілетсіз банктің меншікті капиталы;

2) төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау арқылы төлемге қабілетсіз банктің төлемге қабілетсіз банкпен ерекше қатынастар арқылы байланысты тұлғалар болып табылатын кредиторлар алдындағы міндеттемелері есебінен залалдар жабылғаннан кейін жүзеге асырылады.

6-1. Мәжбүрлеп таратылуы қаржы жүйесінің жүйелік тәуекелдеріне әкелетін төлемге қабілетсіз банкті реттеу бойынша шаралар қабылдау туралы, сондай-ақ осындай банкті реттеу кезінде мемлекеттің қатысуы туралы мәселелерді уәкілетті орган Қазақстан Республикасының Президенті құратын Қазақстан Республикасының қаржылық тұрақтылығы жөніндегі кеңестің қарауына алдын ала шығарады.

7. Төлемге қабілетсіз банкті реттеу жөніндегі шараларды қолданудың алдында банкке бару арқылы, оның ішінде бағалаушыларды, аудиторлық және басқа да ұйымдарды тарта отырып, оның қаржылық және мүліктік жағдайы бағалануға (талдануға) тиіс.

8. Уәкілетті орган төлемге қабілетсіз банк акционерлерінің, депозиторлары мен кредиторларының, борышкерлерінің және өзге де мүдделі тұлғалардың келісімін алмастан, төлемге қабілетсіз банкті реттеу жөніндегі шараларды қабылдайды.

Төлемге қабілетсіз банктің депозиторлары мен кредиторларын, борышкерлерін, сондай-ақ өзге де мүдделі тұлғаларды хабардар ету мақсатында төлемге қабілетсіз банкті реттеу жөніндегі шараларды қолдану туралы хабарландыру қазақ және орыс тілдерінде Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспа басылымдарында жарияланады, сондай-ақ оны уәкілетті орган және төлемге қабілетсіз банк өздерінің интернет-ресурстарында жариялайды.

Ескерту. 61-8-бапқа өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

61-9-бап. Банкті төлемге қабілетсіз банктер санатына жатқызудың және төлемге қабілетсіз банкті реттеу жөніндегі шараны қолданудың салдарлары

1. Уәкілетті орган төлемге қабілетсіз банкті реттеу жөніндегі шараларды іске асыру үшін осы Заңның 62 – 67-баптарында көзделген тәртіппен банкті консервациялау режимін енгізуге және банкті басқару жөніндегі уақытша әкімшілікті (банкті уақытша басқарушыны) тағайындауға құқылы.

2. Уәкілетті орган консервациялау кезеңінде депозиторлар мен кредиторлардың талаптарын қанағаттандыруға мораторий енгізуге құқылы, оның қолданылу мерзімі ішінде:

1) төлемге қабілетсіз банктің барлық міндеттемелері бойынша тұрақсыздық айыбын (айыппұлдарды, өсімпұлды) есепке жазу тоқтатылады және төлемге қабілетсіз банктің міндеттемелері бойынша ақшалай міндеттемелерді және ақшалай сипаттағы өзге де талаптарды орындамағаны немесе тиісінше орындамағаны үшін басқа жауаптылық шаралары қолданылмайды;

2) мыналарға:

уәкілетті органның нормативтік құқықтық актілерінде көзделген шығыстармен;

төлемге қабілетсіз банктің пайдасына келіп түсетін ақшаны есепке жатқызумен;

бұрын төлемге қабілетсіз банктің клиенттері болып табылған тұлғалардың жабық шоттарына келіп түсетін ақшаны қайтарумен;

төлемге қабілетсіз банк өміріне немесе денсаулығына зиян келтірілгені үшін алдында жауапты болатын жеке тұлғаларға төленетін төлемдермен;

еңбек шарты бойынша жұмыс істеген адамдардың еңбегіне ақы төлеу және оларға өтемақыны, Мемлекеттік әлеуметтік сақтандыру қорына әлеуметтік аударымдар бойынша берешекті төлеу жөніндегі, жалақыдан ұсталған алименттер мен міндетті зейнетақы жарналарын төлеу жөніндегі, міндетті кәсіптік зейнетақы жарналарын, сондай-ақ авторлық шарттар бойынша сыйақыларды төлеу жөніндегі есеп айырысулармен;

төлемге қабілетсіз банк клиенттерінің салықтар, алымдар және бюджетке төленетін басқа да міндетті төлемдер төлеуімен;

осы Заңның 61-11 және 61-12-баптарында көзделген операцияны жүргізумен;

төлемге қабілетсіз банктің мәмілелерін осы Заңның 61-13-бабына сәйкес жарамсыз деп тануға байланысты шығыстармен байланысты жағдайларды қоспағанда, төлемге қабілетсіз банк клиенттерінің және банктің өзінің банктік шоттары бойынша барлық операциялар тоқтатылады;

3) кредиторлардың талаптары бойынша төлемге қабілетсіз банктің банктік шоттарынан ақшаны өндіріп алу туралы талаптарды, оның ішінде даусыз тәртіппен қанағаттандырылуға жататын талаптарды орындау, сондай-ақ төлемге қабілетсіз банктің мүлкіне өндіріп алуды қолдану тоқтатыла тұрады;

4) мораторий енгізілгенге дейін берілген атқарушылық құжаттарды қоспағанда, төлемге қабілетсіз банктен борыштарды өндіріп алу туралы атқарушылық құжаттарды орындау тоқтатыла тұрады.

3. Осы Заңда көзделген, төлемге қабілетсіз банкті реттеу жөніндегі шараларды қолдану:

1) төлемге қабілетсіз банктің міндеттемелерін мерзімінен бұрын орындау немесе тоқтату;

2) төлемге қабілетсіз банк банкрот болған жағдайда немесе банктің банкроттығына тең келетін оқиға ретінде саралануы мүмкін басқа оқиға басталған кезде осы банктің депозиторлар мен кредиторлар алдындағы міндеттемелерін мерзімінен бұрын орындау бойынша шарттардың және (немесе) бағалы қағаздар эмиссиясы проспектілерінің талаптарын іске асыру;

3) кредиторлардың кепілмен қамтамасыз етілген міндеттемелер бойынша төлемге қабілетсіз банктің кепілге қойылған мүлкін өндіріп алуы үшін негіз болмайды.

61-10-бап. Төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау

1. Уәкілетті орган төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау туралы шешім қабылдайды.

Төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау, оған:

1) төлемге қабілетсіз банктің міндеттемелерін толығымен не ішінара есептен шығару;

2) төлемге қабілетсіз банктің бағалы қағаздары мен өзге де ақшалай міндеттемелерін оның жай акцияларына конвертациялау, оның ішінде банкті осы Заңның 61-7-бабының 2-тармағында көрсетілген төлемге қабілетсіз банктер санатына жатқызу негіздерін жою және меншікті капиталдың жеткіліктілік коэффициенттерін сақтау үшін төлемге қабілетсіз банктің жарияланған жай акцияларының санын уәкілетті орган айқындаған мөлшерде көбейту;

3) міндеттемеге қызмет көрсету бойынша төлемдердің орындалуын уақытша тоқтата тұруды қоса алғанда, төлемге қабілетсіз банктің міндеттемелері бойынша мерзімдерді және (немесе) пайыздық мөлшерлемелерді өзгерту жөніндегі бір немесе бірнеше шараны қолдану арқылы төлемге қабілетсіз банктің қаржылық жағдайын сауықтыру бойынша шаралар кешенін білдіреді.

2. Төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау осы Заңның 74-2-бабында белгіленген кредиторлар талаптарын қанағаттандырудың кері кезектілігі тәртібімен жүзеге асырылады.

3. Мыналар:

1) төлемге қабілетсіз банктің өз талаптары осы Заңның 74-1-бабына сәйкес таратудың конкурстық массасының құрамына енгізілмейтін тұлғалар алдындағы міндеттемелері;

2) төлемге қабілетсіз банк мәжбүрлеп таратылған жағдайда, оның осы Заңның 74-2-бабына сәйкес бірінші, екінші, үшінші, төртінші, бесінші және жетінші кезектерде қанағаттандырылуға жататын міндеттемелері, сондай-ақ төлемге қабілетсіз банк мәжбүрлеп таратылған жағдайда, оның депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымның төлеуіне жататын кепілдік өтемі мөлшерінде депозиттер бойынша жеке тұлғалар алдындағы міндеттемелері мәжбүрлеп қайта құрылымдауға жатпайды.

4. Төлемге қабілетсіз банктің бағалы қағаздары мен өзге де ақшалай міндеттемелерін оның жай акцияларына конвертациялау кезінде:

1) төлемге қабілетсіз банк акционерлері жалпы жиналысының төлемге қабілетсіз банктің акцияларын қосымша шығару туралы шешімі талап етілмейді;

2) төлемге қабілетсіз банктің акционерлеріне төлемге қабілетсіз банктің акцияларын артықшылықты сатып алу құқығы берілмейді;

3) осы Заңның 16-бабы 2-тармағының, 17-бабы 2 және 5-тармақтарының және 17-1-бабының талаптары қолданылмайды.

5. Төлемге қабілетсіз банктің міндеттемелерін мәжбүрлеп қайта құрылымдау тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

61-11-бап. Төлемге қабілетсіз банктің активтері мен міндеттемелерін басқа банкке (банктерге) бір мезгілде беру жөніндегі операция

1. Уәкілетті органның шешімі бойынша, осы бапта көзделген төлемге қабілетсіз банктің активтері мен міндеттемелерін басқа банкке (банктерге) (бұдан әрі – сатып алушы-банк) бір мезгілде беру жөніндегі операцияны банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы) консервациялау сатысында жүзеге асырады.

2. Осы баптың 1-тармағында көрсетілген операцияны жүргізу кезінде төлемге қабілетсіз банктің міндеттемелері осы Заңның 74-2-бабында көзделген кредиторлар талаптарын қанағаттандыру кезектілігі сақтала отырып, сатып алушы-банкке беріледі.

3. Осы баптың 1-тармағында көрсетілген операцияны жүргізу кезінде осы тармақтың екінші бөлігінде көрсетілген жағдайды қоспағанда, сатып алушы-банкке төлемге қабілетсіз банк активтерінің барлығы немесе бір бөлігі және міндеттемелерінің барлығы немесе бір бөлігі берілуі мүмкін.

Сатып алушы-банкке бір кезектегі кредиторлар алдындағы міндеттемелерді беру кезінде төлемге қабілетсіз банктің активтері жеткіліксіз болған жағдайда, бұл міндеттемелер кредиторлардың қанағаттандырылуға жататын талаптарының сомасына пропорционалды түрде беріледі.

Төлемге қабілетсіз банктің жеке тұлғалардың кепілдік берілетін депозиттері бойынша міндеттемелері сатып алушы-банкке толық көлемде берілуге тиіс.

Егер сатып алушы-банкке берілетін кепілдік берілген депозиттер бойынша міндеттемелердің мөлшері төлемге қабілетсіз банк мүлкінің мөлшерінен асып кеткен жағдайда, депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйым пайда болған айырманы арнайы резерв қаражатының есебінен толтыруға міндетті.

Осы тармақтың төртінші бөлігіне сәйкес депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйым беретін қаражаттың мөлшері кепілдік өтем ретінде төлеуге жататын, Қазақстан Республикасының депозиттерге міндетті кепілдік беру туралы заңнамасына сәйкес айқындалатын сомадан аспауға тиіс.

4. Банкті басқару жөніндегі уақытша әкімшіліктің (банкті уақытша басқарушының) төлемге қабілетсіз банктің активтері мен міндеттемелерін сатып алушы-банкке беруді жүзеге асыру тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

5. Осы баптың 1-тармағында көрсетілген операцияны жүргізу:

1) төлемге қабілетсіз банк акционерлерінің, депозиторлары мен кредиторларының, борышкерлерінің, сондай-ақ өзге де мүдделі тұлғалардың (кепіл берушілерді, кепілдерді, кепілгерлерді қоса алғанда) келісуін талап етпейді. Бұл ретте жаңа кредитордың жеке басы борышкер үшін айтарлықтай маңызы жоқ деп танылады;

2) төлемге қабілетсіз банк төлемге қабілетсіз банктің депозиторларымен және кредиторларымен, борышкерлерімен, сондай-ақ өзге де тұлғалармен (кепіл берушілерді, кепілдерді, кепілгерлерді қоса алғанда) жасаған шарттарға шарттың жаңа тарапын көрсету бөлігінде өзгерістер енгізуді;

3) сатып алушы-банктің төлемге қабілетсіз банк депозиторларымен жаңа банктік шот шарттарын жасасуын талап етпейді. Бұл ретте сатып алушы-банк депозиторларды жеке сәйкестендіру кодтарының өзгергені туралы хабардар етуге міндетті.

6. Төлемге қабілетсіз банктің өздері бойынша құқықтар (талап ету) мен міндеттемелер осы баптың 1-тармағында көрсетілген операцияны жүргізу кезінде берілетін клиенттерінің дербес деректерін жинауды және өңдеуді сатып алушы-банк дербес деректер субъектілерінің немесе олардың заңды өкілдерінің келісуінсіз жүзеге асырады.

7. Банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы) төлемге қабілетсіз банктің депозиторлары мен кредиторларын, борышкерлерін, сондай-ақ өзге де мүдделі тұлғаларды хабардар ету мақсатында төлемге қабілетсіз банктің активтері мен міндеттемелерін сатып алушы-банкке беру туралы хабарландыруды қазақ және орыс тілдерінде Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспа басылымдарында жариялайды, сондай-ақ оны уәкілетті орган, төлемге қабілетсіз банк және сатып алушы-банк өздерінің интернет-ресурстарында жариялайды.

8. Сатып алушы-банкке заңды тұлғалардың, филиалдар мен өкілдіктердің акциялары немесе жарғылық капиталға қатысу үлестері түріндегі активтерді беру сатып алушы-банктің осы Заңда және Қазақстан Республикасының өзге де заңдарында көзделген уәкілетті органның қосымша рұқсаттарын, келісімдерін немесе хабарламаларын алуын талап етпейді.

9. Банкті басқару жөніндегі уақытша әкімшіліктің (банкті уақытша басқарушының) сатып алушы-банкке төлемге қабілетсіз банктің депозиторлар алдындағы міндеттемелерін беруі осы Заңның 61-2-бабының 6, 7 және 8-тармақтарына сәйкес жүзеге асырылады.

10. Төлемге қабілетсіз банктің активтері мен міндеттемелерін беру активтер мен міндеттемелерді бір мезгілде беру туралы шарт жасасу арқылы, шартқа беру актісін қоса бере отырып жүзеге асырылады.

Беру актісінде берілетін активтер, берілетін активтер бойынша міндеттемелердің орындалуын қамтамасыз ететін құқықтар және міндеттемелер туралы мәліметтер қамтылуға тиіс.

Активтер мен міндеттемелерді бір мезгілде беру туралы шартқа Қазақстан Республикасы Азаматтық кодексінің міндеттемедегі тұлғалардың ауысуы туралы ережелері қолданылады.

11. Сатып алушы-банк құқықтық кадастрға, сондай-ақ жылжымалы мүлік кепілінің тізіліміне, бағалы қағаздарды ұстаушылардың тізілімдері жүйесіне бір мезгілде өзіне берілетін активтер бойынша міндеттемелердің орындалуын қамтамасыз ететін құқықтар өткен кепіл беруші болып табылатын жаңа кредитор туралы мәліметтерді енгізу мақсатында активтер мен міндеттемелерді беру туралы шартты (беру актісін қоса бере отырып) уәкілетті тіркеуші органға (ұйымға) береді.

Осы бапта айқындалған негіздер бойынша және тәртіппен құқықтарды (талап етулерді) басқаға беру бір мезгілде кепіл ұстаушы болып табылатын жаңа кредиторға өзіне қатысты үшінші тұлғалар немесе мемлекеттік органдар тарапынан тіркелген ауыртпалықтар, тыйым салулар, мүлікке билік етуде өзге де шектеулер бар мүлікке құқықтардың өтуі үшін де негіз болып табылады.

12. Төлемге қабілетсіз банктің депозиторлар мен кредиторлар алдындағы міндеттемелері сатып алушы-банкке берілгеннен кейін осындай депозиторлар мен кредиторлар алдындағы міндеттемелерді орындауды сатып алушы-банк жүзеге асырады.

13. Төлемге қабілетсіз банктің активтері мен міндеттемелерін сатып алушы-банкке бір мезгілде беру туралы шарт жасалғаннан кейін:

1) активтері мен міндеттемелері берілген төлемге қабілетсіз банктің акционерлері, депозиторлары мен кредиторлары сатып алушы-банктен активтері мен міндеттемелерін сатып алушы-банктің пайдасына беру салдарларынан шеккен кез келген залалды өтеуді талап етуге құқылы емес;

2) сатып алушы-банкке берілген активтер мен міндеттемелер одан төлемге қабілетсіз банктің пайдасына талап етілмейді.

14. Банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы) төлемге қабілетсіз банктің активтері мен міндеттемелерін сатып алушы-банкке беруді аяқтағаннан кейін уәкілетті органға төлемге қабілетсіз банкті барлық банк операциялары мен өзге де операциялар жүргізуге арналған лицензиядан айыру және төлемге қабілетсіз банкті мәжбүрлеп тарату туралы ұсыныс береді.

15. Төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне бір мезгілде беру бойынша операция жүргізу ерекшеліктері осы Заңның 61-12-бабында белгіленеді.

16. Осы баптың 2 – 8, 10 – 13-тармақтарының ережелері соттың мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін банктің уақытша әкімшілігінің (уақытша басқарушының) барлық банк операциялары мен өзге де операциялар жүргізуге арналған лицензиядан айырылған банктің активтері мен міндеттемелерін бір мезгілде беру жөніндегі операцияны жүргізу жағдайларына қолданылады.

Соттың банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін банктің уақытша әкімшілігі (уақытша әкімшісі) барлық банк операциялары мен өзге де операцияларды жүргізуге арналған лицензиядан айырылған банктің активтері мен міндеттемелерін бір мезгілде беру жөніндегі операцияны жүргізген кезде, сатып алушы-банк депозиторлардың банктік шоттары бойынша жаңа банктік шот шартын жасамастан, депозиторларды хабардар ете отырып, жеке сәйкестендіру кодтарын береді және осы Заңның 61-2-бабының 8-тармағында көзделген талаптарды, оның ішінде банктік шот бойынша шығыс операцияларын тоқтата тұруға құқығы бар уәкілетті мемлекеттік органдардың өкімдерін, депозиторлардың банк шоттарына қойылған, клиенттің ақшасына тыйым салуға құқығы бар уәкілетті органдардың немесе лауазымды тұлғалардың шешімдерін (қаулыларды) осы Заңның 61-2-бабының 8-тармағында көзделген тәртіппен орындайды.

61-12-бап. Төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне бір мезгілде беру жөніндегі операцияны жүргізу ерекшеліктері

1. Банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы) уәкілетті органға төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне беру жөніндегі операцияны жүргізу туралы ұсыныс енгізеді.

Уәкілетті орган төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне бір мезгілде беру жөніндегі операцияны жүргізу мақсатында тұрақтандыру банкін құру туралы шешім қабылдайды және банктің уақытша әкімшілігіне (банкті уақытша басқарушыға) көрсетілген активтер мен міндеттемелерді тұрақтандыру банкіне беру жөніндегі операцияны жүргізуді тапсырады.

Төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне беру жөніндегі операцияны жүргізудің шарттары мен тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

2. Осы Заңның 13, 14, 16, 17-1, 19, 20, 23, 24, 25, 27, 28-баптарында, 29-бабының 6 және 7-тармақтарында, 30-бабының 5 және 13-тармақтарында, 31, 32 және 42-баптарында көзделген банктер құруға және олардың қызметін реттеуге қойылатын талаптар, сондай-ақ "Акционерлік қоғамдар туралы" Қазақстан Республикасы Заңының 33 – 74-баптарының ережелері тұрақтандыру банкіне қолданылмайды.

Тұрақтандыру банкін құру тәртібі, оның жарғылық және меншікті капиталдарының ең төмен мөлшері және оларды қалыптастыру тәртібі, тұрақтандыру банкін басқару тәртібі, жасалуына қатысты ерекше шарттар белгіленген мәмілелерді жасасу тәртібі, тұрақтандыру банкінің жарияланған акцияларының шығарылымын тіркеу және жарияланған акцияларының күшін жою тәртібі, сондай-ақ тұрақтандыру банкінің осы Заңда көзделген банк операциялары мен өзге де операцияларды жүргізуге арналған лицензияны алу тәртібі уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

3. Тұрақтандыру банкі уәкілетті органның лицензиясы негізінде осы Заңда көзделген банк операциялары мен өзге де операцияларды жүзеге асыруға құқылы.

Тұрақтандыру банкі Қазақстан Республикасының азаматтық заңнамасына және шет мемлекеттің заңнамасына сәйкес заңды тұлғалардың кепіл ретінде қабылданған акциялары немесе жарғылық капиталдарына қатысу үлестері банктің меншігіне өткен кезде осы ұйымдардың акциялары немесе жарғылық капиталдарына қатысу үлестерін сатып алуды қоспағанда, осы Заңның 8-бабында банктер үшін рұқсат етілген қызметті жүзеге асыруға құқылы емес.

4. Активтер мен міндеттемелер тұрақтандыру банкіне берілгеннен кейін сыйақыны есепке жазу жөніндегі міндеттемелерді қоспағанда, жеке және заңды тұлғалар алдындағы міндеттемелерді орындау он екі ай мерзімге тоқтатыла тұрады. Тұрақтандыру банкі жеке және заңды тұлғалардың мерзімді салымдары бойынша міндеттемелерді, Қазақстан Республикасы Үкіметінің және Қазақстан Республикасы Ұлттық Банкінің алдындағы міндеттемелерді, сондай-ақ тұрақтандыру банкіне берілген активтермен қамтамасыз етілген екінші деңгейдегі банктердің алдындағы міндеттемелерді қоса алғанда, орындау мерзімі басталған міндеттемелерді орындауға тиіс. Тұрақтандыру банкі жеке және заңды тұлғалардың ағымдағы шоттары бойынша міндеттемелерді орындайды.

5. Соттың төлемге қабілетсіз банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін тұрақтандыру банкі уәкілетті органмен келісу бойынша төлемге қабілетсіз банктің өзіне бұрын берілген активін басқа активіне ауыстыруға құқылы.

6. Тұрақтандыру банкі уәкілетті орган айқындайтын басқа банкке активтер мен міндеттемелерді уәкілетті органның нормативтік құқықтық актісінде белгіленген тәртіппен береді.

Тұрақтандыру банкінің міндеттемелерін осы бапта көзделген тәртіппен беру тұрақтандыру банкінің депозиторлары мен кредиторларының келісуінсіз жүзеге асырылады. Тұрақтандыру банкі депозиторлар мен кредиторларды хабардар ету мақсатында Қазақстан Республикасының бүкіл аумағында таратылатын мерзімді баспа басылымдарында қазақ және орыс тілдерінде тұрақтандыру банкінің активтері мен міндеттемелерін сатып алушы-банкке беру туралы хабарландыру жариялайды.

7. Уәкілетті органның шешімі бойынша тұрақтандыру банкі қабылданған активтер мен міндеттемелерді сатып алушы-банкке уәкілетті орган көздеген тәртіппен және шарттарда толық бергеннен кейін өз қызметін тоқтатады.

8. Уәкілетті органның шешімі бойынша тұрақтандыру банкінің барлық акциялары тұрақтандыру банкінің капиталын ұлғайтуға және оның Қазақстан Республикасы заңнамасының талаптарына сәйкес жұмыс істеуіне кепілдік беретін шарттарда инвесторға өткізілуі мүмкін.

Инвестордың тұрақтандыру банкінің акцияларын сатып алуы Қазақстан Республикасының заңнамасында көзделген тәртіппен және шарттарда жүзеге асырылады.

Инвестор тұрақтандыру банкінің акцияларын сатып алған кезден бастап банк тұрақтандыру банкінің мәртебесін жоғалтады және өз қызметін Қазақстан Республикасы заңнамасының талаптарын сақтай отырып жүзеге асырады. Осы банктің қызметін реттеу, бақылау және қадағалау осы Заңның және Қазақстан Республикасының өзге де заңдарының талаптарына сәйкес жүзеге асырылады.

9. Осы Заңның 61-11-бабы 2, 3, 5 – 16-тармақтарының ережелері төлемге қабілетсіз банктің активтері мен міндеттемелерін тұрақтандыру банкіне бір мезгілде беру жөніндегі операцияны жүргізу жағдайларына қолданылады.

Ескерту. 61-12-бапқа өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI Заңымен (01.01.2020 бастап қолданысқа енгізіледі).

61-13-бап. Төлемге қабілетсіз банктің мәмілелерін жарамсыз деп тану және мүлікті қайтару

1. Уәкілетті орган, банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы) (оны уәкілетті орган тағайындаған жағдайда) және (немесе) банк, оның ішінде кредиторлардың өтінішхаты бойынша, банкті төлемге қабілетсіз банктер санатына жатқызған күнге дейін үш жыл ішінде төлемге қабілетсіз банк немесе ол уәкілеттік берген тұлға жасаған мәмілелер бойынша Қазақстан Республикасының азаматтық заңнамасында және осы бапта көзделген, мәмілелердің жарамсыздық негіздері болған кезде мәмілелерді жарамсыз деп тану туралы арызбен сотқа жүгінуге құқылы.

2. Қазақстан Республикасының Азаматтық кодексінде көзделгендерден бөлек, мыналар мәмілелердің жарамсыздығының негіздері болып табылады:

1) егер мәміленің салдарлары төлемге қабілетсіз банктің залалдарына алып келсе (алып келетін болса), мәміле шарттарының салыстырмалы жағдайларда осыған ұқсас мәмілелер жасалатын шарттардан төлемге қабілетсіз банк үшін нашар жаққа қарай едәуір айырмашылығы болуы;

2) егер мәміленің салдарлары төлемге қабілетсіз банктің залалдарына алып келсе (алып келетін болса), мәміленің Қазақстан Республикасының заңнамасында және (немесе) уәкілетті орган қолданған қадағалап ден қою шараларында белгіленген талаптарды және (немесе) шектеулерді бұза отырып жасалуы;

3) мүліктің салыстырымды экономикалық жағдайлар кезінде осыған ұқсас мүлікті беру (иеліктен шығару) шарттарынан төлемге қабілетсіз банк үшін нашар жаққа қарай едәуір айырмашылығы болатын шарттарда не негіздері болмаса да, кредиторлардың мүдделеріне нұқсан келтіре отырып, өтеусіз (оның ішінде уақытша пайдалануға) берілуі не иеліктен шығарылуы;

4) банкті төлемге қабілетсіз банктер санатына жатқызғанға дейін алты ай ішінде жасалған мәміленің төлемге қабілетсіз банктің бір кредиторларының талаптарын басқалардың алдында артықшылықпен қанағаттандыруға алып келуі;

5) егер енгізілген өзгерістердің салдарлары төлемге қабілетсіз банктің залалдарына алып келсе (алып келетін болса), кепіл туралы шарттың талаптарына кепіл нысанасын төлемге қабілетсіз банк үшін нашар жаққа қарай өзгерту көзделетін өзгерістердің енгізілуі.

3. Мәміле жарамсыз деп танылған кезде жауапкер – мәміле бойынша алғанның бәрін қайтаруға, оларды заттай қайтару мүмкін болмаған кезде қайтарылуға жататын мүліктің, орындалған жұмыстардың немесе көрсетілген қызметтердің құнын өтеуге міндетті.

Мүлікті қайтару мүмкін болмаған кезде немесе мүлік жоғалуына, бүлінуіне не кейіннен үшінші тұлғалардың адал жолмен сатып алуына байланысты өтеусіз берілген кезде талап етілетін мүліктің бастапқы сатып алушылары жоғалған, бүлінген не үшінші тұлғалар адал жолмен сатып алған мүліктің құны шегінде осыған байланысты туындаған залалдарды өтеу бойынша жауапты болады.

Бастапқы сатып алушылардың мүлік құнын өтеуі мүмкін болмаған кезде төлемге қабілетсіз банктің мүлкін иеліктен шығару туралы шешім қабылдаған тұлға сот тәртібімен субсидиарлық жауаптылыққа тартылуға тиіс.

4. Уәкілетті органның немесе банкті басқару жөніндегі уақытша әкімшіліктің (банкті уақытша басқарушының) арызы бойынша қозғалған істе банкті төлемге қабілетсіз банктердің санатынан шығарғаннан кейін соттың банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін банк не банктің уақытша әкімшілігі (уақытша әкімшісі) талапкер деп танылады.

5. Осы баптың 2-тармағының ережелері мынадай:

1) бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) банкті мәжбүрлеп тарату туралы іс қозғалғаннан кейін немесе банкті мәжбүрлеп тарату туралы іс қозғалған күнге дейін бір ай ішінде жасалған;

2) бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) банк операцияларын жүргізуге арналған лицензиясынан банк айырылған күнге дейін бір ай ішінде жасалған;

3) бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) банкті мәжбүрлеп тарату туралы іс қозғалған күнге дейін алты ай ішінде банкпен ерекше қатынастар арқылы байланысты тұлғамен немесе оның мүддесінде жасалған;

4) бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) банкті мәжбүрлеп тарату туралы іс қозғалған күнге немесе банк операцияларын жүргізуге арналған лицензиясынан банк айырылған күнге дейін алты ай ішінде банктің қаржылық жағдайының орнықсыздығы белгілері туралы білген (немесе білуге тиіс) тұлғамен жасалған;

5) бас қаржылық келісім шеңберіндегі мәміле (мәмілелер) бойынша мынадай жағдайлардың бірінде:

банкті мәжбүрлеп тарату туралы іс қозғалғаннан кейін немесе банкті мәжбүрлеп тарату туралы іс қозғалған күнге дейін бір ай ішінде;

банк операцияларын жүргізуге арналған лицензиясынан банк айырылған күнге дейін бір ай ішінде тараптарды ауыстыру жүзеге асырылған;

банкті мәжбүрлеп тарату туралы іс қозғалған күнге дейін алты ай ішінде банкпен ерекше қатынастар арқылы байланысты тұлға;

банкті мәжбүрлеп тарату туралы іс қозғалған күнге немесе банк операцияларын жүргізуге лицензиясынан банк айырылған күнге дейін алты ай ішінде банктің қаржылық жағдайының орнықсыздығы белгілері туралы білген (немесе білуге тиіс) тұлға тараптарды ауыстыруды жүзеге асырған (әмбебеп құқық мирасқорлығы нәтижесінде тараптардың ауысуын қоспағанда) жағдайларды қоспағанда, бас қаржылық келісім шеңберіндегі мәмілеге (мәмілелерге) қатысты қолданылмайды.

6. Бас қаржылық келісім шеңберіндегі бір немесе бірнеше мәміленің жарамсыз болуы, егер бас қаржылық келісімге және қалған мәмілелерге қатысты оларды жарамсыз деп тануға негіздер болмаса, бас қаржылық келісімнің өзінің және бас қаржылық келісім шеңберіндегі қалған мәмілелердің жарамсыз болуына алып келмейді.

Бас қаржылық келісім шеңберіндегі бір немесе бірнеше мәміле нетто-міндеттемелер (нетто-талаптар) анықталғаннан кейін жарамсыз деп танылған жағдайда, нетто-міндеттеме (нетто-талап) одан жарамсыз деп танылған мәміленің немесе мәмілелердің нәтижелерін алып тастау арқылы, нетто-міндеттемені (нетто-талапты) айқындаған мәміле тарапының қайта есептеуіне жатады.

Ескерту. 61-13-бапқа өзгеріс енгізілді – ҚР 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңымен.

8-тарау. Банкті және банк холдингін консервациялау

Ескерту. 8-тараудың тақырыбына өзгеріс енгізілді - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

62-бап. Банкiнi консервациялау ұғымы

1. Банкті төлемге қабілетсіз банктердің санатына жатқызған және оған осы Заңның 61-8-бабында көзделген реттеу жөніндегі шаралар қолданылған жағдайда, ол консервациялауға ұшыратылуы мүмкін.

Консервациялау төлемге қабілетсіз банкті реттеу жөніндегі шараларды іске асырған кезде, төлемге қабілетсіз банкке бақылау орнату үшін уәкілетті орган мәжбүрлеп енгізетін төлемге қабілетсіз банкті басқару мен оның қызметінің арнайы режимін білдіреді.

2. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

3. Консервациялау режимiн белгiлеу Ұлттық Банкiнiң шектеулi (бiр жылға дейiн) мерзiмге банкiнi басқару жөнiндегi уақытша әкiмшiлiктi немесе уақытша банк басқарушысын тағайындауын бiлдiредi.

4. Банкiнi консервациялау банкiнiң өз қаражаты есебiнен жүзеге асырылады.

5. Алып тасталды – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

6. Екінші деңгейдегі банктерге консервациялау режимін қолдану (орнату) тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

Ескерту. 62-бапқа өзгеріс енгізілді - ҚР Президентiнiң 1996.01.27 № 2830 Заң күші бар Жарлығымен , Қ 1997.07.11 № 154 , 2009.02.13 № 135-IV (қолданысқа енгізілу тәртібін 3-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

63-бап. Банкiнi басқару жөнiндегi уақытша әкiмшiлiк (уақытша банк басқарушысы)

1. Уақытша әкiмшiлiктi (уақытша банк басқарушысын) уәкiлеттi орган оның қызметкерлерi, депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымдардың өкілдері, не осы Заңның 20-бабының 3-тармағында белгіленген ең төменгі талаптарға сәйкес келетін өзге адамдар арасынан тағайындайды.

2. Уақытша әкiмшiлiктiң басшысы мен мүшелерiнiң (уақытша банк басқарушысы) құқықтары мен мiндеттерi, сондай-ақ олардың еңбегiне ақы төлеу шарты уәкiлеттi орган пен уақытша әкiмшiлiк (уақытша банк басқарушысы) арасында жасалатын жеке шарт бойынша белгiленедi.

3. Уақытша әкiмшiлiк (уақытша банк басқарушысы) өз қызметiнде осы Заңды, уәкiлеттi органның қалыптық құқықтық құжаттарын және Қазақстан Республикасының өзге де заңдарын басшылыққа алады.

4. Уәкiлеттi орган уақытша әкiмшiлiк мүшелерiн (уақытша банк басқарушысын) кез келген сәтте ауыстыруға құқылы.

5. Банкiге келтiрiлген залал үшiн уақытша әкiмшiлiк басшысы мен мүшелерi (уақытша басқарушы) қолданылып жүрген заңдармен белгiленген жауаптылықты көтередi. Уақытша әкiмшiлiк басшысы мен мүшелерiне (уақытша банк басқарушысына) қалыпты өндiрiстiк тәуекел санатына жатқызылуы мүмкiн залал үшiн жауапкершiлiк жүктеуге жол берiлмейдi.

Ескерту. 63-бапқа өзгерту енгізілді - ҚР 1997.07.11. № 154 Заңымен, 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен, 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі) Заңдарымен.

64-бап. Банкiнi консервациялауды жүргiзу туралы қаулы

1. Уәкiлеттi органның банкке консервациялау жүргiзу туралы шешiмiнде мыналар болуға тиiс:

а) банкiнiң атауы және оның орналасқан жерi;

б) банкiнi консервациялау туралы шешiмнiң негiздемесi;

в) консервация күшiнiң басталуы мен мерзімi;

г) банк қызметiне қойылатын шектеулер тiзбесi;

д) уақытша әкiмшiлiктiң дербес құрамы немесе уақытша банк басқарушысының фамилиясы, аты, әкесiнiң аты;

е) консервациялау режимiнде тұрған банкiнiң басшы қызметкерлерiне өз жұмысы туралы есеп, табыстары туралы декларация, меншiгiнiң бар-жоғы және оның мөлшерi туралы мәлiметтер әзiрлеу және осы құжаттарды уақытша әкiмшiлiкке (уақытша банк басқарушысына) беру туралы нұсқама;

ж) уақытша әкiмшiлiкке (уақытша басқарушыға) берiлетiн ұсыныстар.

2. Уәкiлеттi органның банкке консервациялау жүргiзу туралы шешiмi Қазақстан Республикасының бүкiл аумағына таратылатын мерзiмдiк екi баспа басылымында жарияланады.

Ескерту. 64-бапқа өзгерту енгізілді – ҚР 1997.07.11. № 154 Заңымен , 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен .

65-бап. Банкті консервациялау режимін енгізудің салдарлары. Банкті басқару жөніндегі уақытша әкiмшiлiктiң (банкті уақытша басқарушының) өкiлеттiктерi

Ескерту. 65-баптың тақырыбы жаңа редакцияда – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

1. Консервациялау күшiнiң басталуымен және оның мерзiмiне:

а) осы банк эмитенті болып табылатын банк акционерлерінің акцияларды пайдалану мен билік ету жөніндегі құқықтары тоқтатыла тұрады;

б) банк органдарының өкілеттіктері тоқтатылады және оның басшы қызметкерлері жұмыстан шеттетіледі;

в) банк органдарының барлық өкілеттіктері, сондай-ақ осы банк эмитенті болып табылатын банк акционерлерінің акцияларды пайдалану жөніндегі құқықтары уақытша әкімшілікке (уақытша басқарушыға) көшеді;

г) уақытша әкiмшiлiкке (уақытша банк басқарушысына) айтпастан және оның жазбаша келiсiмiнсiз банкiнiң атынан және оның есебiнен жасалған барлық мәмiлелер жарамсыз деп танылады.

2. Уақытша әкiмшiлiк (уақытша банк басқарушысы):

а) осы Заңның 66-бабының талаптарын ескере отырып банк қызметiнiң барлық мәселелерi бойынша дербес шешiм қабылдауға;

б) қажет болған жағдайда консервациялау кезеңiнде банктің депозиторлар мен өзге де кредиторлар алдындағы мiндеттемелерiн толық немесе iшiнара тоқтата тұруға;

в) қажет болған жағдайда банк қаражатын салуды көздейтiн банк жасасқан шарттарды бұзуға не оларға, мөлшерлемелерін, тарифтерiн және қолданылу мерзiмiн өзгертудi қоса, бiржақты тәртiппен өзгерiстер мен толықтырулар енгiзуге;

г) банкiнiң атынан кез келген шарттар мен құжаттарға қол қоюға;

д) банкiнiң атынан және оның мүддесi үшiн ақы талабын қоюға;

е) банк қызметкерлерiн қызметтен босату, қызметiн төмендету немесе қызметтен уақытша шеттету, олардың арасында мiндеттер бөлiсу туралы бұйрықтарды қоса, бұйрықтар шығаруға;

ж) кредитор мен борышкер бір адам болғандықтан, өзара талаптарды есепке алуға;

з) осы Заңның 61-11 және 61-12-баптарына сәйкес банктің активтері мен міндеттемелерін басқа банкке (банктерге) не тұрақтандыру банкіне беруге;

и) осы Заңның 8-бабында көздеген қызметті жүзеге асыруға;

к) осы Заңның 61-8-бабында көрсетілген, төлемге қабілетсіз банкті реттеу жөніндегі шараларды іске асыруға байланысты өзге де қызметті жүзеге асыруға құқылы.

Консервациялау процесіндегі банкке қойылатын талаптар талап ету құқығын басқаға беру шартынан (шарттарынан) туындаса, кредитормен өзара талаптарды есепке алуға тыйым салынады.

Ескерту. 65-бапқа өзгеріс енгізілді - ҚР 2001.03.02 № 162, 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңдарымен.

66-бап. Уақытша әкiмшiлiктiң (уақытша банк басқарушысының) банкiнi басқару жөнiндегi қызметiн бақылау

1. Банкiнi консервациялау мерзiмi iшiнде уақытша әкiмшiлiктiң (уақытша басқарушының) қызметiн бақылауды уәкiлеттi орган жүзеге асырады, ол:

а) уақытша әкiмшiлiкке (уақытша банк басқарушысына) банкiнi консервациялау кезеңiнде шаралардың негiзгi бағыттары туралы ұсыныстар беруге (негiзгi шаралар жоспарын ұсынуға);

б) уақытша әкiмшiлiк (уақытша банк басқарушысы) орындауға мiндеттi жазбаша нұсқаулар беруге;

в) уақытша әкiмшiлiктен (уақытша банк басқарушысынан) өз қызметi мен банк қызметi туралы кез келген ақпарат берудi талап етуге;

г) уақытша әкiмшiлiктiң (уақытша банк басқарушысының) iстелген жұмыс туралы есебiн тыңдауға;

д) консервациялау мерзiмiн ұзартуға;

е) банкiнi консервациялаудың аяқталғаны туралы шешiм қабылдауға құқылы.

2. Уақытша әкiмшiлiк (уақытша банк басқарушысы) қызметiн егжей-тегжейлi регламенттеу және оның үшiншi жақтармен өзара қарым-қатынасының қағидаттары уәкiлеттi органның қалыптық құқықтық құжаттарымен белгiленедi.

Ескерту. 66-бапқа өзгерту енгізілді - Қазақстан Республикасының 1997.07.11. № 154 Заңымен , 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен .

67-бап. Консервациялауды тоқтату

1. Банкiнi консервациялау мынадай негiздер бойынша тоқтатылады:

а) уәкiлеттi органның шешiмiмен белгiленген консервациялау мерзiмiнiң аяқталуы;

б) уәкiлеттi органның консервациялауды мерзiмiнен бұрын аяқтау туралы шешiм қабылдауы.

2. Банкiнiң қаржы жағдайының сауығуына және жұмыс сапасының жақсаруына байланысты оны консервациялауды тоқтату (оның iшiнде мерзiмiнен бұрын) осы банкiге қатысты уәкiлеттi орган немесе уақытша әкiмшiлiк (уақытша банк басқарушысы) белгiлеген барлық шектеулердiң алынып тасталуына әкеп соғады. Бұл орайда консервациялау мерзiмi iшiнде банкiнiң құрылтай құжаттарына, басқару органдарына және қызметкерлерiнiң құрамына енгiзiлген өзгерiстер мен толықтырулар күшiнде қала бередi.

3. Егер банкiнi консервациялау оның қаржы жағдайы мен жұмыс сапасын сауықтыруға жеткiзбеген жағдайда, уәкiлеттi орган Қазақстан Республикасының банк заңнамасында көзделген негiзде банк операцияларын жүргiзуге берiлген лицензиядан айыруға құқылы.

Ескерту. 67-бапқа өзгерту енгізілді - Қазақстан Республикасының 1997.07.11. № 154 Заңымен , 2001.03.02. № 162 Заңымен , 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен , 2007.01.12. № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңдарымен.

67-1-бап. Банктің бас ұйымы болып табылатын банк холдингін консервациялау

1. Банк холдингін консервациялау банк холдингінің қаржылық жағдайын сауықтыру және оның жұмыс сапасын жақсарту мақсатында банк холдингіне қатысты әкiмшiлiк, заңдық, қаржылық, ұйымдық-техникалық және басқа да іс-шаралар мен рәсiмдер кешенiн уәкілетті органның шешiмi бойынша мәжбүрлi түрде жүргiзудi бiлдiредi.

2. Қазақстан Республикасының резиденті болып табылатын банк холдингі ғана консервациялауға ұшыруы мүмкін.

Банк холдингі мынадай негiздердiң кез келгенi бойынша консервациялауға ұшырауы мүмкiн:

1) банк конгломератының меншікті капиталының жеткіліктілігі коэффициентінің орындалмауы;

2) қатарынан екі және одан кейінгі тоқсандарда теріс меншікті капиталдың болуы.

3. Консервациялау режимiн белгiлеу банк холдингін басқару жөнiндегi уақытша әкiмшiлiктi немесе банк холдингінің уақытша басқарушысын уәкілетті органның шектеулi (бiр жылға дейiнгі) мерзiмге тағайындауын көздейді.

4. Банк холдингін консервациялау банк холдингінің өз қаражаты есебiнен жүзеге асырылады.

5. Уәкілетті органның консервациялауды жүргiзу туралы шешiмiне банк холдингінің акционерлерi (қатысушылары) күнтізбелік он күн ішінде Қазақстан Республикасының заңдарында белгіленген тәртіппен шағым жасауы мүмкін. Көрсетілген шешiмге шағым жасау банк холдингін консервациялауды тоқтата тұрмайды.

6. Осы Заңның 63, 64, 65, 66 және 67-баптарының талаптары Қазақстан Республикасының заңнамалық актілеріне қайшы келмейтін бөлігінде банк холдингтеріне қолданылады.

Ескерту. 8-тарау 67-1-баппен толықтырылды - ҚР 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгеріс енгізілді - ҚР 29.06.2020 № 351-VI (01.07.2021 бастап қолданысқа енгізіледі) Заңдарымен.

9-тарау. Банктердi тарату және ерiксiз қайта құру

Ескерту. 9-тарау жаңа редакцияда – ҚР 1997.07.11. № 154 Заңымен.

68-бап. Банктердi тарату түрлерi мен негiздерi

1. Банк:

а) уәкiлеттi органның рұқсаты болған жағдайда (ерiктi тарату), оның акционерлерiнiң шешiмi бойынша;

б) Қазақстан Республикасының заң актiлерiнде көзделген реттерде (ерiксiз тарату) соттың шешiмi бойынша;

в) (алып тасталды)

2. Банкті тарату, оның iшiнде банкроттық негiзі бойынша тарату осы Заңға және Қазақстан Республикасының өзге де нормативтік құқықтық актiлерiне сәйкес жүзеге асырылады.

Ескерту. 68-бапқа өзгерістер енгізілді - ҚР 2001.03.02. № 162, 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі); 07.03.2014 № 177-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

68-1-бап. Ерікті және еріксіз таратылатын банктер кредиторларының комитеті

1. Кредиторлардың мүдделерін қамтамасыз ету және олардың банктерді ерікті және еріксіз тарату рәсімдеріне қатысуымен шешімдер қабылдау мақсатында кредиторлар комитеті құрылады.

Ерікті немесе мәжбүрлеп таратылатын банк кредиторлары комитетінің құрамын банктің тарату комиссиясының ұсынысы бойынша уәкiлеттi орган бекітеді.

2. Кредиторлар комитетінің құрылу және қызметі ерекшеліктері уәкiлеттi органның нормативтік құқықтық актілерімен белгіленеді.

Ескерту. 68-1-баппен толықтырылды - Қазақстан Республикасының 2001.03.02. № 162 Заңымен , өзгерту енгізілді - 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен .

69-бап. Ерiктi тарату

1. Банк акционерлерінің жалпы жиналысы оны ерікті тарату туралы шешім қабылдағаннан кейін банк жеке тұлғалардың депозиттерін оларды тікелей төлеу жолымен қайтару не оларды депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын басқа банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аудару жөніндегі шараларды қолдануға міндетті.

Жеке тұлғалардың депозиттерін Қазақстан Республикасы бейрезидент-банкінің филиалына аудару осы Заңның 30-бабы 13-тармағының екінші бөлігінде көзделген шарттар сақтала отырып жүзеге асырылады.

Банктерді ерікті түрде таратуға рұқсат берудің тәртібі, сондай-ақ жеке тұлғалардың депозиттерін қайтарудың, оларды депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын басқа банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аударудың тәртібі уәкілетті органның нормативтік құқықтық актісінде айқындалады.

1-1. Жеке тұлғалардың депозиттерін қайтаруды жүзеге асырғаннан кейін банк уәкілетті органға өзін ерікті таратуға рұқсат беру туралы өтінішхатпен жүгінуге құқылы.

Өтінішхатқа акционерлердің жалпы жиналысында бекітілген банктің өз қызметін тоқтатуға дайындалу мерзімдері мен кезеңдері туралы іс-шаралар тізбесі, банктің өз міндеттемелері бойынша есеп айырысуды жүзеге асыру үшін қаражатының жеткілікті екендігі туралы куәландыратын баланстық есеп және басқа да қажетті мәліметтер қоса берілуге тиіс. Қажетті мәліметтер тізбесі уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

2. Банктiң ерiктi түрде тарауына рұқсат алу туралы өтiнiшiн уәкiлеттi орган тиiстi түрде ресiмделген құжаттарды қабылдаған күннен бастап екi ай iшiнде қарауға тиiс.

Банктiң ерiктi түрде тарауына рұқсат беруден бас тартқан жағдайда уәкiлеттi орган бұл туралы дәлелдi шешiм қабылдап, банкке хабарлайды.

2-1. Уәкілетті орган банкті өз еркімен таратуға рұқсат беруден бас тартуды мынадай негіздердің бірі:

1) ұсынылған құжаттардың толық болмауы немесе тиісті түрде ресімделмеуі;

2) өз міндеттемелері бойынша есеп айырысу үшін банк қаражатының жеткілікті болмауы;

3) жеке тұлғалардың депозиттерін тікелей төлеу арқылы қайтару не оларды депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын басқа банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аудару жөніндегі іс-шараларды қабылдамауы бойынша жүргізеді.

3. (алып тасталды)

4. Ерiктi түрде тарауға рұқсат алған жағдайда банк банктiң филиалдары мен өкiлдiктерiн ескере отырып, тарату комиссиясын құрады, оған банктiң мүлкi мен iсiн басқару жөнiндегi өкiлеттiк ауысады.

Ерiктi түрде таратылатын банктердiң тарату комиссиялары қызметiнiң ерекшелiктерi уәкiлеттi органның нормативтiк құқықтық актiлерiмен белгiленедi.

4-1. Ерікті таратылатын банктің тарату комиссиясының қызметіне бақылауды уәкiлеттi орган жүзеге асырады.

5. Ерiктi түрде таратылуға рұқсат алғаннан кейiн банк бұл туралы ақпаратты Қазақстан Республикасының бүкіл аумағына таралатын мерзімді баспасөз басылымдарында жариялауға мiндеттi.

6. Тарату комиссиясы тарату балансы мен банктi тарату туралы есеп бекiтілгеннен кейiн жетi күн мерзiмде оларды Корпорацияға және уәкiлеттi органға ұсынуға мiндеттi.

Банктi тарату аяқталған кезде тарату комиссиясы құжаттарды сақтау үшiн белгiленген тәртiппен мұрағатқа тапсыруға және бұл жөнiнде уәкiлеттi органға хабарлауға мiндеттi.

7. Барлық кредиторлардың талаптарын қанағаттандыруға қаржысы жеткiлiксiз болған жағдайда, банк банкроттық негіздер бойынша ерiксiз түрде таратылуы тиiс.

7-1. Ерiктi түрде таратылу процесiн аяқтаудың мүмкiн еместiгiне байланысты уәкiлеттi орган банктiң жұмысын ерiксiз тоқтату (тарату) туралы сотқа жүгiнуге құқылы.

Ескерту. 69-бапқа өзгерістер енгізілді - ҚР 1999.07.16. № 436 , 2001.03.02. № 162 , 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі), 2008.10.23 № 72-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі); 25.11.2019 № 272-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі); 19.06.2024 № 97-VIII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

70-бап. Банктердi ерiксiз тарату түрлерi

Банктердi ерiксiз таратуды сот:

а) банк банкроттығына;

б) Қазақстан Республикасының банк заңнамасында көзделген негiздер бойынша банк операцияларын жүргiзуге берiлген лицензиялардан айыруға;

в) банк заңдарында көздеген басқа негiздер бойынша банк қызметiн тоқтату туралы уәкiлеттi мемлекеттiк органдардың, заңды немесе жеке тұлғалардың өтiнiшiне (қуынымына) байланысты жүргiзедi.

Ескерту. 70-бапқа өзгерту енгізілді - Қазақстан Республикасының 2001.03.02. № 162 , 2007.01.12. № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі), 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңдарымен.

71-бап. Банктi банкрот деп тану

1. Банктiң төлем қабiлетсiздiгi уәкiлеттi органның пруденциалдық нормативтердi және сақталуға мiндеттi өзге де нормалар мен лимиттердi, есеп айырысу әдiстемелерiн, банк капиталының мөлшерiн, оның ішінде орындау мерзімі басталған кезден бастап үш және одан да көп ай ішінде банк орындамаған, банктегі ақшалай міндеттемелер мен ақшалай сипаттағы өзге де талаптардың бар-жоғын ескере отырып жасаған, сотқа берген қорытындысы ескеріле отырып белгіленеді.

Банк ақшалай міндеттемелерді және ақшалай сипаттағы өзге де талаптарды оларды орындау мерзімі басталған кезден бастап үш айдың ішінде орындауға қабілетсіз болған кезде төлемге қабілетсіз болып табылады.

2. Банктiң белгiленген тәртiп бойынша сот шешiмiмен ғана банкрот деп танылуы мүмкiн. Дәрменсiз банктi оның кредиторлары мен банктiң өз шешiмi бойынша таратудың соттан тыс рәсiмiне жол берiлмейдi.

3. Тараптардың банктiң банкроттығы туралы iс бойынша тату келiсiм жасауларына мүмкiндiк берiлмейдi.

4. Сот банктi банкрот деп тану және оны мәжбүрлеп тарату туралы шешiмдi уәкiлеттi органға жiбередi.

Ескерту. 71-бапқа өзгерістер енгізілді - ҚР 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен; 07.03.2014 № 177-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

72-бап. Өзге негiздер бойынша банктi тарату

1. Банктердi ерiксiз тарату уәкiлдiк берiлген мемлекеттiк органның, заңды немесе жеке тұлғаның өтiнiшi (қуынымы) бойынша (банк операцияларын жүргiзуге берiлген банк лицензияларынан айыру туралы шешiмi жоқ болған жағдайда) сот iс қозғаған жағдайларда осы Заңға сәйкес жүргiзiледi.

2. Банктi ерiксiз тарату туралы шешiмдi сот уәкiлеттi органға жiбередi.

Осы Заңның 70 бабының в) тармақшасында көзделген негiзде қозғалған iс бойынша банктi ерiксiз тарату туралы сот шешiм қабылдаған күннен бастап банк операцияларын жүргізуге берілген лицензияларынан банк айырылады.

Ескерту. 72-бапқа өзгерту енгізілді - Қазақстан Республикасының 2001.03.02. № 162 Заңымен , 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен , 2007.01.12. № 222 (ресми жарияланған күнінен бастап алты ай өткеннен кейін қолданысқа енгізіледі) Заңдарымен.

73-бап. Ерiксiз таратуды жүргiзудiң шарттары мен тәртiбi

1. Соттың банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгізілген күннен бастап осы Заңның 48-1-бабының 1-тармағы екінші бөлігінің 1), 2), 4) - 9) тармақшаларында көзделген салдарлар басталады.

Соттың банкті мәжбүрлеп тарату туралы шешімі күшіне енген күннен бастап банктің бұрын жұмыс істеп келген органдарының өкілеттіктері тоқтатылады, басшы қызметкерлері, ал қажет болған жағдайда өзге де қызметкерлері Қазақстан Республикасының еңбек заңнамасында белгіленген тәртіппен жұмыстан босатылады.

1-1. Алып тасталды - ҚР 07.03.2014 № 177-V Заңымен (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі).

2. Банктi таратумен байланысты барлық шығыстар, осы Заңның 48-1 бабының 8-тармағында көзделген жағдайларды қоспағанда, сол банктiң қаражаты есебiнен ғана жүргiзiледi.

3. Банк мүлкiн бағалауды тарату комиссиясы қолданылып жүрген заңдарға сәйкес жүргiзедi.

4. Таратылатын банктiң аралық тарату балансын және кредиторлар талаптарының тiзiлiмiн уәкiлеттi орган бекiтедi.

4-1. Аралық тарату балансы бекітілгенге дейін кредитор мен борышкер бір адам болатындықтан, өзара талаптарды есепке алуға жол беріледі.

Аралық тарату балансы бекітілгеннен кейін осы кредитордың талаптарын қанағаттандырудың тиісінше кезегі келген кезде ғана өзара талаптарды есепке алу жүргізіледі.

Таратылатын банкке қойылатын талаптар талап ету құқығын басқаға беру шартынан (шарттарынан) туындаса, кредитормен өзара талаптарды есепке алуды жүргізуге тыйым салынады.

5. Таратылатын банктің мүлкін өткізуді банкті тарату комиссиясы уәкілетті органның нормативтік құқықтық актілерінде айқындалған тәртіппен жүргізеді.

6. Банктi, оның iшiнде банкрот болу негiзi бойынша таратылатын банктi тарату комиссиясының қызметiне бақылау жасауды уәкiлеттi орган жүзеге асырады.

6-1. Банктi тарату туралы шешiм қабылдаған сот уәкiлеттi органмен банктің тарату комиссиясының қызметіне байланысты кез келген ақпаратты сұратып алуға құқылы.

7. Тарату комиссиясы сотқа уәкiлеттi органмен келiсiлген тарату туралы есептiлiктi және тарату балансын ұсынады.

Сот тарату туралы есептiлiктi және тарату балансын бекiтiп, тарату iсiнiң аяқталғаны туралы ұйғарым шығарады.

Тарату комиссиясы сот ұйғарымының көшiрмесiн Корпорацияға және уәкiлеттi органға жiбередi.

Тарату комиссиясы тарату балансы мен тарату туралы есеп бекітілгеннен кейін күнтізбелік отыз күн ішінде оларды – Корпорацияға, ал көрсетілген құжаттардың көшірмелерін уәкілетті органға ұсынуға міндетті.

Банктi тарату аяқталған кезде тарату комиссиясы құжаттарды сақтау үшiн белгiленген тәртiппен мұрағатқа тапсыруға және бұл жөнiнде уәкiлеттi органға хабарлауға мiндеттi.

8. Тарату комиссиясы банк қызметінің тоқтатылуы тіркелгеннен кейін бес жұмыс күні ішінде банк қызметінің тоқтатылуының тіркелгені туралы бұйрықтың көшірмесін уәкілетті органға ұсынады.

Ескерту. 73-бапқа өзгерістер енгізілді - ҚР 1999.07.16 № 436, 2001.03.02 № 162, 2003.07.10 № 483 (2004.01.01 бастап қолданысқа енгізіледі), 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.02.10 № 406-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 07.03.2014 № 177-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 02.04.2019 № 241-VI (01.07.2019 бастап қолданысқа енгізіледі) Заңдарымен.

73-1-бап. Банктің міндеттемелері мен мүлкін басқа банкке (банктерге) бір мезгілде беру жөніндегі операция

Ескерту. 73-1-бап алып тасталды - ҚР-ның 2009.07.11. № 185-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңымен.

74-бап. Ерiксiз таратылатын банктiң тарату комиссиясы

1. Банктi тарату туралы, оның iшiнде банкроттық негiз бойынша тарату туралы шешiм қабылданғаннан кейiн сот тарату iсiн қозғайды және уәкiлеттi органға оның филиалдары мен өкiлдiктерiн ескере отырып, банктiң тарату комиссиясын құру жөнiнде мiндеттер жүктейдi.

Банктi тарату комиссиясы банк iстерiн аяқтау және оның кредиторларымен есеп айырысуын қамтамасыз ету үшiн шаралар қолданады.

Мәжбүрлеп таратылатын банктердiң тарату комиссияларын тағайындау және тарату тәртiбi, тарату комиссиясының төрағасына және мүшелерiне қойылатын талаптар, сондай-ақ таратуды жүзеге асыру тәртiбi және тарату комиссияларының жұмысына қойылатын талаптар уәкiлеттi органның нормативтiк құқықтық актiлерiмен айқындалады.

Тарату комиссиясы төрағасының және мүшесінің құқықтары мен міндеттері, оның ішінде сыйақыға құқығы, мәжбүрлеп таратылатын банктің істері мен мүлкін басқару жөніндегі өкілеттіктердің көлемі уәкілетті органның нормативтік құқықтық актілерімен және кредиторлар комитеті Қазақстан Республикасының заңнамасында белгіленген талаптарды ескере отырып, олармен жасасатын келісіммен реттеледі.

Банктiң тарату комиссиясының төрағасына, мүшелерiне және өзге де тартылған қызметкерлерiне төленетiн ай сайынғы сыйақының мөлшерi олардың әрқайсысына тиiстi қаржы жылына арналған республикалық бюджет туралы заңда белгiленетiн он еселенген ең төменгi жалақыдан аспауға тиiс.

2. (алып тасталды)
3. (алып тасталды)
Ескерту. 74-бапқа өзгеріс енгізілді – ҚР 2001.03.02. № 162 Заңымен, 2003.07.10. № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен, 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңдарымен.

74-1-бап. Банктердi тарату кезiндегi тарату, конкурстық массасын қалыптастыру ерекшелiктерi

1. Банктiң тарату, конкурстық массасы осы Заңда белгiленген ерекшелiктердi ескере отырып, қолданылып жүрген заңдарда айқындалған тәртiппен қалыптасады.

1-1. Банктiң тарату конкурстық массасына Қазақстан Республикасының жобалық қаржыландыру және секьюритилендіру туралы заңнамасына сәйкес шығарылған облигациялар бойынша қамтамасыз ету болып табылатын бөлінген активтер және ипотекалық облигациялар бойынша мынадай қамтамасыз ету болып табылатын кепiл мүлкi: ипотекалық қарыз шарттары бойынша талап ету құқықтары (ипотекалық куәлiктердi қоса алғанда), сондай-ақ аталған облигацияларды ұстаушыларда оларға меншік құқығы туындаған немесе оларға мәмiлелер не Қазақстан Республикасының заңдарында көзделген өзге де негіздер бойынша ауысқан жағдайларда Қазақстан Республикасының мемлекеттiк бағалы қағаздары енгiзiлмейдi.

Тарату комиссиясы бөлінген активтерді уәкілетті органның нормативтік құқықтық актісінде айқындалған тәртіппен арнаулы қаржы компаниясының облигацияларын ұстаушылардың өкіліне басқаруға (бөлінген активтерді өткізу және кепілге салынған мүлікке және бөлінген активтердің құрамына кіретін өзге де қамтамасыз етуге өндіріп алуды қолдану құқығымен) береді.

Тарату комиссиясы осы тармақтың бірінші бөлігінде көрсетілген ипотекалық облигациялар бойынша қамтамасыз ету болып табылатын кепіл мүлкін ипотекалық облигациялар эмитенті кредиторларының талаптарын қанағаттандыру үшін ипотекалық облигацияларды ұстаушылардың өкіліне береді.

1-2. Банктің тарату конкурстық массасына бас қаржылық келісім шеңберіндегі мәміледе (мәмілелерде) айқындалған тәртіппен және шарттарда кредиторға берілген қамтамасыз ету ақысы банк операцияларын жүргізуге арналған лицензиясынан банк айырылған күнге дейін енгізілмейді.

2. Таратудың конкурстық массасын қалыптастыру кезiнде оған үшiншi тұлғаларға тиесiлi және кастодиан-банкке сақтау мен есепке алу үшiн сенiп тапсырылған бағалы қағаздар, сондай-ақ есепке алу мен сақтау үшiн кастодиан-банкке сеніп тапсырылған зейнетақы активтерi, әлеуметтік медициналық сақтандыру қорының активтері, инвестициялық қорлардың активтерi, арнаулы қаржы компанияларының бөлінген активтері енгiзiлмейдi. Кастодиан-банкке сақтау мен есепке алу үшін сеніп тапсырылған зейнетақы активтерi, әлеуметтік медициналық сақтандыру қорының активтері, тегін медициналық көмектің кепілдік берілген көлеміне бөлінетін нысаналы жарна қаражаты, инвестициялық қордың активтерi, арнаулы қаржы компаниясының бөлінген активтері әлеуметтік медициналық сақтандыру қорының, ерікті жинақтаушы зейнетақы қорының, акционерлік инвестициялық қордың, арнаулы қаржы компаниясының немесе инвестициялық пай қорын басқарушы компанияның өтiнiшi бойынша басқа банкке аударылады.

3. Ислам банкінің тарату конкурстық массасына ислам банкінің инвестициялық депозиті туралы шарт бойынша тартылған ақша есебінен сатып алынған мүлік қосылмайды. Тарату комиссиясы аталған мүлікті, сондай-ақ инвестициялық депозиттер бойынша міндеттемелерді басқа ислам банкіне беруге тиіс.

Ислам банкін таңдау және оған инвестициялық депозит туралы шарт бойынша тартылған ақша және таратылатын ислам банкінің инвестициялық депозиттері бойынша міндеттемелер есебінен сатып алынған мүлікті беру тәртібі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Ескерту. 74-1-бапқа өзгеріс енгізілді - ҚР 1998.06.29 № 236 , 2003.06.03 № 427 , 2004.07.07 № 577 , 2006.02.20 № 127 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2008.11.20 № 88-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2012.01.12 № 539-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 21.06.2013 № 106-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.11.2015 № 406-V (01.07.2017 бастап қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі); 19.04.2023 № 223-VII (01.01.2024 бастап қолданысқа енгізіледі) Заңдарымен.

74-2-бап. Мәжбүрлеп таратылатын банк кредиторларының талаптарын қанағаттандырудың кезектілігі

Ескерту. 74-2-баптың тақырыбына өзгеріс енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі) Заңымен.

1. Мәжбүрлеп таратылатын банк кредиторларының, оның ішінде оның банкроттығымен байланысты талаптары осы бапта белгіленген тәртіппен қанағаттандырылады.

2. Тарату ісін жүргізумен байланысты шығыстар, оның ішінде банктің тарату комиссиясының қызметін қамтамасыз ету жөніндегі шығыстар кезектен тыс жүргізіледі.

3. Кредиторлардың белгіленген тәртіппен танылған талаптары мынадай кезектілікпен қанағаттандырылуға тиіс:

1) бірінші кезекте:

жалақыдан және (немесе) өзге кірістен ұсталған алименттерді төлеу жөніндегі тиісті мерзімдік төлемдерді капиталдандыру арқылы өміріне немесе денсаулығына зиян келтірілгені үшін өздерінің алдында мәжбүрлеп таратылатын банк жауапты болатын жеке тұлғалардың талаптары;

мәжбүрлеп таратылатын банктің басшы қызметкерлерін қоспағанда, еңбек шарты бойынша жұмыс істеген адамдардың еңбегіне ақы төлеу мен оларға өтемақы төлеу, Мемлекеттік әлеуметтік сақтандыру қорына әлеуметтік аударымдар бойынша берешектерді, жалақыдан ұсталған міндетті зейнетақы жарналарын төлеу жөніндегі, жұмыс берушінің міндетті зейнетақы жарналарын, міндетті кәсіптік зейнетақы жарналарын, сондай-ақ авторлық шарттар бойынша сыйақылар төлеу жөніндегі талаптар қанағаттандырылады;

2) екінші кезекте депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйымның кепілдік берілетін депозиттер бойынша төлеген (төлейтін) өтем сомасы бойынша және банк мүлкінің мөлшері мен мәжбүрлеп таратылатын банктің активтері мен міндеттемелерін бір мезгілде беру жөніндегі операцияны жүргізу шеңберінде басқа банкке (банктерге) берілетін кепілдік берілетін депозиттер бойынша міндеттемелердің мөлшері арасындағы орны толтырылған айырманың сомасы бойынша талаптары қанағаттандырылады;

3) үшінші кезекте мәжбүрлеп таратылатын банк мүлкінің кепілімен қамтамасыз етілген міндеттемелер бойынша кепіл мүлкінің құнынан аспайтын мөлшердегі талаптар, сондай-ақ орталық контрагенттің функцияларын жүзеге асыратын клирингтік ұйымның клирингтік қатысушысы болып табылатын мәжбүрлеп таратылатын банк орталық контрагенттің қатысуымен бұрын жасасқан және орындамаған мәмілелер нәтижесінде туындаған осы клирингтік ұйымның талаптары қанағаттандырылады. Кепілге қойылған мүліктің жоғалғаны немесе бүлінгені үшін сақтандыру төлемі алынған жағдайда, кепілді кредиторлардың талаптары сақтандыру төлемімен жабылған бөлікте қанағаттандыруға жатпайды. Кепілге қойылған мүлік жоғалған жағдайда, осы талаптардың өтелмеген бөлігі сегізінші кезек шеңберінде өтелуге тиіс;

4) төртінші кезекте мәжбүрлеп таратылатын банкпен ерекше қатынастар арқылы байланысты тұлғалар болып табылмайтын жеке тұлғалардың депозиттері, оның ішінде мәжбүрлеп таратылатын ислам банкінде орналастырылған талап етілгенге дейінгі пайызсыз депозиттер және ақша аударымдары бойынша талаптар, сондай-ақ зейнетақы активтері есебінен жүзеге асырылған депозиттер бойынша, "өмірді сақтандыру" саласы бойынша қызметті жүзеге асыратын сақтандыру ұйымдарының депозиттері бойынша талаптар қанағаттандырылады;

5) бесінші кезекте тек қайырымдылықпен айналысатын коммерциялық емес ұйымдармен, Ұлы Отан соғысы ардагерлерінің ұйымдарымен, жеңілдіктер бойынша Ұлы Отан соғысының ардагерлеріне теңестірілген ардагерлердің ұйымдарымен және басқа мемлекеттердің аумағындағы ұрыс қимылдары ардагерлерінің ұйымдарымен, Қазақстан Республикасы мүгедектігі бар адамдарының ерікті қоғамымен, Қазақ зағиптар қоғамымен, Қазақ саңыраулар қоғамымен және осы заңды тұлғалардың меншігі болып табылатын және олардың қаражаты есебінен құрылған өндірістік ұйымдармен, мүгедектігі бар адамдардың басқа да ұйымдарымен олардың банктік шоттардағы және депозитке орналастырылған қаражаты бойынша есеп айырысулар жүзеге асырылады;

6) алтыншы кезекте мәжбүрлеп таратылатын банкпен ерекше қатынастар арқылы байланысты тұлғалар болып табылмайтын заңды тұлғалардың депозиттері бойынша талаптар қанағаттандырылады;

7) жетінші кезекте салықтар, алымдар және бюджетке төленетін басқа да міндетті төлемдер бойынша, сондай-ақ республикалық бюджеттің қаражаты және Қазақстан Республикасы Ұлттық қорының қаражаты есебінен берілген қарыздарды қайтару жөніндегі берешек өтеледі;

8) сегізінші кезекте Қазақстан Республикасының заңдарына сәйкес басқа кредиторлармен есеп айырысулар жүргізіледі, оның ішінде мәжбүрлеп таратылатын банк мүлкінің кепілімен қамтамасыз етілген міндеттемелер бойынша кредиторлардың оған үшінші кезекке сәйкес жүзеге асырылған сақтандыру төлемінің сомасынан асатын бөліктегі талаптары қанағаттандырылады;

9) тоғызыншы кезекте мәжбүрлеп таратылатын банкпен ерекше қатынастар арқылы байланысты тұлғалар болып табылатын кредиторлардың – жеке және заңды тұлғалардың депозиттерге міндетті кепілдік беруді жүзеге асыратын ұйым кепілдік берілетін депозиттер бойынша өтем есебінен жаппаған сома бөлігіндегі талаптары қанағаттандырылады;

10) оныншы кезекте мәжбүрлеп таратылатын банктің субординарлық борышы және мерзімсіз қаржы құралдары бойынша есеп айырысулар жүргізіледі.

4. Әр кезектің талабы алдыңғы кезектің талаптары толық қанағаттандырылғаннан кейін орындалады.

Кредитордың талабы оның келісімімен Қазақстан Республикасының заңдарына қайшы келмейтін тәсілдермен, оның ішінде ақшалай нысанда және (немесе) мүлікті заттай беру арқылы қанағаттандырылуы мүмкін.

Таратылатын банктің ақшасы және (немесе) өзге де мүлкі, бір кезектегі кредиторлардың талаптары қанағаттандырылған кезде, осы кезектегі кредиторлардың арасында қанағаттандырылуға тиісті талаптар сомасына бара-бар бір мезгілде бөлінеді.

Ескерту. 74-2-бап жаңа редакцияда - ҚР 2005.12.23. № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), өзгерістер енгізілді - 2009.02.12 № 133-IV (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 21.06.2013 № 106-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.11.2015 № 403-V (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 16.11.2015 № 406-V (01.07.2017 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 06.05.2020 № 323-VI (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 27.06.2022 № 129-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 12.07.2022 № 138-VII (алғашқы ресми жарияланған күнінен кейін күнтізбелік алпыс күн өткен соң қолданысқа енгізіледі) Заңдарымен.

74-3-бап. Банктi ерiксiз қайта құру. Оңалту рәсiмдерi

1. Банктi ерiксiз қайта құру қолданылып жүрген заңдарға сәйкес соттың шешiмiмен, осы Заңда көзделген ерекшелiктердi ескере отырып жүргiзiледi.

Банкке қатысты оңалту рәсiмi соттың шешiмi бойынша банктi мәжбүрлеп тарату жөнiндегi шаралар шеңберiнде, оның төлем қабiлеттiлiгiн қалпына келтiру және (немесе) Қазақстан Республикасының заңдарында көзделген шарттар мен талаптарды орындау мүмкiндiгiн қамтамасыз ету мақсатында жүргiзiледi.

2. Сот банктi ерiксiз қайта құру не банкке қатысты оңалту рәсiмдерiн жүргiзу туралы мәселенi уәкiлеттi органның тиiстi қорытындысы негiзiнде ғана шешуге құқылы.

Банктi ерiксiз қайта құруды жүргiзудiң, оңалту рәсiмдерiнiң мiндеттi шарты банктiң өзiнде бар барлық депозиттердi мүдделi адамдарға ерiксiз қайта құру туралы шешiм қабылдаған күннен бастап бiр жылдың iшiнде қайтаруы болып табылады.

Осы шартты орындамау банктi ерiксiз таратуға әкеп соғады.

2-1. Банк өзiнiң төлем қабiлеттiлiгiн қалпына келтiру және (немесе) анықталған кемшiлiктердi жою мүмкiндiгi болған кезде оның банктi мәжбүрлеп қайта ұйымдастыру туралы мәселенi қарауына байланысты оған қатысты оңалту рәсiмдерiн қолдану туралы сотқа өтiнiш мәлiмдеуге құқылы. Банктi оңалту жоспары банктiң өтiнiшiмен қоса берiлуге тиiс.

Банк өтiнiшiнiң бiр данасы қоса берiлетiн құжаттармен бiрге уәкiлеттi органға ұсынылады.

2-2. Банктiң оңалту жоспары уәкiлеттi органмен алдын ала келiсiлуi тиiс және оны ұсынылған күннен бастап он күн iшiнде сот бекiтедi.

Банктiң оңалту жоспарын өзгертуге сот шешiмi бойынша уәкiлеттi органның келiсiмiмен жол берiледi.

2-3. Банкке қатысты оңалту рәсiмдерiн жүзеге асыру кезеңiнiң ұзақтығы алты айдан аспауға тиiс. Оңалту рәсiмдерiнiң басталу және аяқталу мерзiмдерiн сот айқындайды. Банктiң сот бекiткен оңалту жоспары банк пен оның лауазымды тұлғалары үшiн орындалуы мiндеттi құжат болып табылады.

2-4. Банк оңалту рәсiмiн уәкiлеттi органның бақылауымен жүргiзедi. Оңалту рәсiмi кезеңiндегi банк қызметi осы баптың талаптары ескерiле отырып, әдеттегiдей тәртiппен жүзеге асырылады.

3. Сот банктi ерiксiз тарату туралы шешiм қабылдаған жағдайда (iс қозғау негiзiне қарамастан), оны жүргiзу, осы баптың 2-1, 2-4-тармақтарында көзделген жағдайларды қоспағанда, банктiң сот бекiткен арнайы басқарушысына (басқару жөнiнде уәкiлеттiк берiлген адамдарға) тапсырылады.

Банктiң арнайы басқарушысы (басқару жөнiндегi уәкiлеттiк берiлген адамдар) сот пен банк кредиторларына өз қызметi туралы ай сайын хабарлап тұруға мiндеттi.

4. Банктi қайта құруға қатысушы үшiншi адам банктiң басқа коммерциялық ұйымға қосылуына немесе бiрiгуiне байланысты арнайы басқарушыға (басқару жөнiндегi уәкiлеттiк берiлген адамдарға) оның (олардың) қаржылық әлеуетiн және банктi қайта құрудың мақсатқа сай екенiн негiздейтiн қажеттi құжаттарды (деректердi) беруге мiндеттi.

5. Банктi ерiксiз қайта құру сот белгiлеген тәртiппен және ол бекiткен кесте мен шаралар жоспарына сәйкес жүргiзiледi.

6. Банктiң арнайы басқарушысының (басқару жөнiндегi уәкiлеттiк берiлген адамдардың) банктi ерiксiз қайта құрудың аяқталғаны туралы есебiн сот бекiтедi.

7. Аталған сот рәсiмдерi шеңберiнде банктi қайта құру жүргiзiлгенiн растайтын ресми құжат күшiне енгеннен кейiн 5 күн мерзiм iшiнде банктiң құқықтық мұрагерi болып табылатын ұйым екi республикалық газетте қажеттi ақпараттың жариялануын қамтамасыз етуге мiндеттi.

8. Банктi ерiксiз таратуды жүзеге асырумен байланысты шығыстар оның қаржысы есебiнен жүргiзiледi.

9. Банктi мәжбүрлеп қайта ұйымдастыруды және оған қатысты оңалту рәсiмдерiн жүргiзудi жүзеге асырудың өзге де мәселелерi уәкiлеттi органның нормативтiк құқықтық актiлерiмен айқындалады.

Ескерту. 74-3-бапқа өзгерту енгізілді - Қазақстан Республикасының 2003.07.10. № 483 (2004 жылғы 1 қаңтардан бастап қолданысқа енгізіледі) Заңымен.

74-4-бап. Уәкiлеттi органның банктердi тарату процесiндегi бақылау өкiлеттiктерi

1. Уәкiлеттi орган ерiктi және мәжбүрлеп, оның iшiнде банкроттық негiз бойынша таратылатын банктердiң тарату комиссияларының қызметiне бақылау жүргізуді жүзеге асыру мақсатында:

1) тарату комиссияларынан атқарылған жұмыс туралы есептер, ал қажет болған жағдайда, қосымша ақпарат алуға;

2) тарату комиссияларының есеп және қосымша ақпарат беру нысанын, мерзiмдерi мен кезеңдiлiгiн белгiлеуге;

3) Қазақстан Республикасының заңдарында белгiленген тәртiппен тарату комиссияларының қызметiне тексеру жүргiзуге;

4) тарату комиссияларының қызметiнде депозиторлардың және (немесе) кредиторлардың мүдделеріне қатер төндіретін жағдайдың жасалуына алып келуі мүмкін кемшіліктер және (немесе) тәуекелдер, Қазақстан Республикасы заңнамасының талаптарын, кредиторлардың құқықтары мен заңды мүдделерін бұзушылықтар тарату комиссияларының қызметіндегі анықталған кемшіліктерді және (немесе) тәуекелдерді, кезде, тарату комиссияларының анықталған бұзушылықтарды және (немесе) оларды жасауға ықпал еткен себептерді, сондай-ақ жағдайларды белгіленген мерзімде жою туралы және (немесе) белгіленген мерзімде іс-шаралар жоспарын ұсыну туралы орындалуы міндетті жазбаша нұсқамалар шығаруға құқылы.

Жазбаша нұсқамада белгіленген мерзімде ұсынылған іс-шаралар жоспарында бұзушылықтардың, олардың туындауына алып келген себептердің сипаттамасы, жоспарланған іс-шаралардың тізбесі, оларды жүзеге асыру мерзімдері, сондай-ақ жауапты лауазымды адамдар көрсетіледі.

Уәкілетті органның жазбаша нұсқамасына шағым жасау Қазақстан Республикасының заңдарында белгіленген тәртіппен жүзеге асырылады. Уәкілетті органның жазбаша нұсқамасына шағым жасау оның орындалуын тоқтата тұрмайды;

5) тарату комиссиясы жазбаша нұсқаманы белгiленген мерзiмде орындамаған жағдайда, тарату комиссиясының мүшелерін ауыстыруға не банк ерікті түрде таратылған жағдайда оларды ауыстыруды талап етуге, Қазақстан Республикасының заңнамасында көзделген шараларды қолдануға, сондай-ақ кредиторлардың құқықтарын және заңмен қорғалатын мүдделерiн қорғау үшiн сотқа не прокуратура органдарына жүгінуге;

6) тарату шығыстары сметасын қалыптастыру мен бекітудің ерекшеліктерін және тәртібін белгілеуге;

7) тарату комиссиясының кассадағы қолма-қол ақшаны сақтау, қолма-қол ақшамен кіріс және шығыс операцияларын жасау, кассалық құжаттарды жүргізу ережелерін орындау, қолма-қол ақшаның жұмсалуын қамтамасыз ету жөніндегі талаптарын, касса қалдықтарының лимиттерін, сондай-ақ тарату комиссиясының ағымдағы шотына қолма-қол ақшаны өткізу мерзімдерін айқындауға құқылы.

2. Уәкiлеттi орган банктердiң қызметiн мәжбүрлеп тоқтату туралы iстi соттың қарауына қатысты банктерден қажеттi ақпарат алуға құқылы.

3. Тарату комиссиясы Қазақстан Республикасының заңнамасын бұзған жағдайда тарату комиссиясының төрағасы, бөлімше басшысы Қазақстан Республикасының заңдарына сәйкес жауапты болады.

Ескерту. 74-4-бапқа өзгеріс енгізілді - ҚР 2001.03.02 № 162 Заңымен, 2003.07.10 № 483 (2004.01.01 бастап қолданысқа енгізіледі) Заңымен, 2005.12.23 № 107 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2006.01.31 № 125 (қолданысқа енгізілу тәртібін 2-баптан қараңыз), 2011.12.28 № 524-IV (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (01.01.2016 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 29.06.2020 № 351-VI (01.07.2021 бастап қолданысқа енгізіледі) Заңдарымен.

74-5-бап. Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату

1. Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату осы Заңға және Қазақстан Республикасының өзге де нормативтік құқықтық актілеріне сәйкес жүзеге асырылады.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату:

1) Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы рұқсатының не уәкілетті органның рұқсаты болған кезде Қазақстан Республикасы бейрезидент-банкінің заңнамасы бойынша осындай рұқсаттың талап етілмейтіні туралы тиісті мемлекеттің қаржылық қадағалау органы мәлімдемесінің (қызметті ерікті түрде тоқтату) негізінде Қазақстан Республикасы бейрезидент-банкінің шешімі бойынша;

2) уәкілетті органның лицензиядан айыру туралы шешімінің немесе осы баптың 4-тармағында көзделген жағдайларда сот шешімінің (қызметті мәжбүрлеп тоқтату) негізінде жүзеге асырылуы мүмкін.

2. Қазақстан Республикасы бейрезидент-банктері филиалдарының қызметін ерікті түрде және мәжбүрлеп тоқтату рәсімдерінде кредиторлардың мүдделерін қамтамасыз ету және олардың қатысуымен шешімдер қабылдау мақсатында кредиторлар комитеті құрылады.

Қызметін ерікті түрде немесе мәжбүрлеп тоқтататын Қазақстан Республикасы бейрезидент-банкі филиалының кредиторлар комитетінің құрамын Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясының ұсынуы бойынша уәкілетті орган бекітеді. Кредиторлар комитетін қалыптастырудың және оның қызметінің ерекшеліктері уәкілетті органның нормативтік құқықтық актілерінде белгіленеді.

3. Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтату туралы шешім қабылдағаннан кейін Қазақстан Республикасы бейрезидент-банкінің филиалы жеке тұлғалардың депозиттерін оларды тікелей төлеу не оларды депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аудару арқылы қайтару жөнінде шаралар қабылдауға міндетті.

Қазақстан Республикасының бейрезидент-банкі жеке тұлғалардың депозиттерін қайтару және (немесе) депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аудару жүзеге асырылғаннан кейін Қазақстан Республикасының бейрезидент-банкі филиалының қызметін ерікті түрде тоқтатуға рұқсат беру туралы өтінішхатпен уәкілетті органға жүгінуге құқылы.

Өтінішхатқа Қазақстан Республикасы бейрезидент-банкінің тиісті органы бекіткен Қазақстан Республикасы бейрезидент-банкі филиалының өз қызметін тоқтатуға дайындалу мерзімдері мен кезеңдері туралы іс-шаралар тізбесі, Қазақстан Республикасы бейрезидент-банкі филиалының өз міндеттемелері бойынша есеп айырысуларды жүзеге асыру үшін қаражатының жеткіліктілігін куәландыратын активтер мен міндеттемелер туралы есеп және тізбесі уәкілетті органның нормативтік құқықтық актісінде белгіленетін басқа да қажетті мәліметтер қоса берілуге тиіс.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтатуға рұқсат беру, сондай-ақ жеке тұлғалардың депозиттерін қайтару, оларды депозиттерге міндетті кепілдік беру жүйесіне қатысушы болып табылатын банкке немесе Қазақстан Республикасы бейрезидент-банкінің филиалына аудару тәртібі уәкілетті органның нормативтік-құқықтық актісінде айқындалады.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтату осы Заңның 69-бабының 2, 2-1 және 5-тармақтарында көзделген тәртіппен жүзеге асырылады.

Қызметін ерікті түрде тоқтатуға рұқсат алған кезде Қазақстан Республикасы бейрезидент-банкінің филиалы тарату комиссиясын құрады.

Қызметін ерікті түрде тоқтататын Қазақстан Республикасы бейрезидент-банктері филиалдарының тарату комиссиялары қызметінің ерекшеліктері уәкілетті органның нормативтік құқықтық актілерінде айқындалады.

Тарату комиссиясы Қазақстан Республикасы бейрезидент-банкінің филиалын тарату туралы есеп бекітілгеннен кейін күнтізбелік жеті күн ішінде оны уәкілетті органға ұсынуға міндетті. Уәкілетті орган Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтату рәсімін аяқтау туралы шешім қабылдайды.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтату рәсімі аяқталған кезде тарату комиссиясы құжаттарды сақтау үшін белгіленген тәртіппен архивке тапсыруға және бұл туралы уәкілетті органды хабардар етуге міндетті.

Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын қанағаттандыру және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін ерікті түрде тоқтатуға байланысты барлық шығыстар Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданған активтерін қоспағанда, Қазақстан Республикасы бейрезидент-банкінің қаражаты есебінен ғана жүргізіледі.

Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданған активтерін Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкі филиалының барлық кредиторының талаптары қанағаттандырылғаннан кейін пайдаланады.

4. Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату уәкілетті органның осы Заңда көзделген негіздер бойынша Қазақстан Республикасы бейрезидент-банкінің филиалын банк операцияларын және өзге де операцияларды жүргізуге арналған лицензиядан айыруына байланысты, оның ішінде Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің құзыретті органының Қазақстан Республикасының бейрезидент-банкін банк қызметін жүргізуге арналған лицензиядан айыру және (немесе) Қазақстан Республикасының бейрезидент-банкін мәжбүрлеп тарату (қызметін тоқтату) туралы шешіміне байланысты жүргізіледі.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтатуды сондай-ақ сот уәкілетті мемлекеттік органдардың, жеке немесе заңды тұлғалардың Қазақстан Республикасының заңдарында көзделген басқа негіздер бойынша Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату туралы өтінішіне (талап қоюына) байланысты жүргізеді.

Соттың Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату туралы шешімі осы бапта белгіленген тәртіппен Қазақстан Республикасы бейрезидент-банкі филиалының қызметін тоқтату рәсімін жүргізу үшін уәкілетті органға жіберіледі. Соттың осы тармақтың екінші бөлігінде көрсетілген негіз бойынша Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату туралы шешімі заңды күшіне енген күннен бастап Қазақстан Республикасы бейрезидент-банкінің филиалы банк операцияларын және өзге де операцияларды жүргізуге арналған лицензиядан айырылады.

5. Қазақстан Республикасы бейрезидент-банкінің филиалы банк операцияларын және өзге де операцияларды жүргізуге арналған лицензиядан айырылған күннен бастап уәкілетті орган Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясын тағайындайды, ол Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату рәсімін жүзеге асырады.

Қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясы оның кредиторларымен есеп айырысуды қамтамасыз ету үшін шаралар қабылдайды.

Қазақстан Республикасы бейрезидент-банкінің филиалы банк операцияларын және өзге де операцияларды жүргізуге арналған лицензиядан айырылған күннен бастап:

1) мыналарға:

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтатуға байланысты, уәкілетті органның нормативтік құқықтық актілерінде көзделген шығыстарға;

Қазақстан Республикасы бейрезидент-банкі филиалының пайдасына түскен ақшаны есепке жатқызуға;

банктік шоттары жабылған тұлғалардың пайдасына түскен және түсетін ақшаны, сондай-ақ қате көрсетулер бойынша түскен және түсетін ақшаны қайтаруға;

Қазақстан Республикасы бейрезидент-банкінің филиалын лицензиядан айырғаннан кейін клиенттің Қазақстан Республикасы бейрезидент-банкінің алдында берешегінің болмауы немесе клиенттің Қазақстан Республикасы бейрезидент-банкінің алдындағы бар берешегін өтеуі шартымен клиенттердің өздерінің банктік шоттарына түскен ақшаны аудару жөніндегі нұсқауларын орындау бойынша шығыстарға байланысты жағдайларды қоспағанда, Қазақстан Республикасы бейрезидент-банкінің филиалы клиенттерінің және филиалдың өзінің банктік шоттары бойынша барлық операциялар тоқтатылады;

2) Қазақстан Республикасы бейрезидент-банкі филиалының басшы қызметкерлерінің өкілеттіктері тоқтатылады, Қазақстан Республикасы бейрезидент-банкі филиалының басшы, ал қажет болған кезде өзге де қызметкерлері Қазақстан Республикасының еңбек заңнамасына сәйкес жұмыстан шеттетіледі және жұмыстан шығарылады;

3) Қазақстан Республикасы бейрезидент-банкінің құрылтайшылары (қатысушылары), органдары, басшы қызметкерлер Қазақстан Республикасы бейрезидент-банкінің Қазақстан Республикасының аумағындағы мүлкіне билік етуге құқылы болмайды;

4) кредиторлардың, мемлекеттік кірістер органдарының талаптары, оның ішінде даусыз тәртіппен қанағаттандырылуға жататын талаптары бойынша Қазақстан Республикасы бейрезидент-банкі филиалының банктік шоттарынан ақшаны өндіріп алуға, сондай-ақ Қазақстан Республикасы бейрезидент-банкінің Қазақстан Республикасының аумағындағы мүлкіне өндіріп алуды қолдануға жол берілмейді;

5) Қазақстан Республикасы бейрезидент-банкінің филиалына қатысты соттардың бұрын қабылданған шешімдерін орындау тоқтатыла тұрады;

6) негізгі борышты, сыйақыны және тұрақсыздық айыбын (айыппұлды, өсімпұлды) өтеу жөніндегі міндеттемелерді жасалған банктік қарыз шарттарына және өзге де мәмілелерге сәйкес Қазақстан Республикасының бейрезидент-банкі филиалының борышкерлері орындайды.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату рәсімі осы Заңның 73-бабының 3, 4, 4-1, 5 және 6-тармақтарына және 74-2-бабына сәйкес жүзеге асырылады.

Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын қанағаттандыру және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтатуға байланысты барлық шығыстар Қазақстан Республикасы бейрезидент-банкі филиалының резерв ретінде қабылданған активтерін қоса алғанда, Қазақстан Республикасы бейрезидент-банкінің қаражаты есебінен ғана жүргізіледі.

Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясының құрамына енгізілген уәкілетті орган қызметкерлерінің еңбегіне ақы төлеуге байланысты шығыстарды қоспағанда, Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтатуға байланысты шығыстарды уәкілетті органның қаржыландыруына тыйым салынады.

Қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банктері филиалдарының тарату комиссияларын тағайындау және босату тәртібі, тарату комиссиясының төрағасына және мүшелеріне қойылатын талаптар, сондай-ақ Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату тәртібі және тарату комиссияларының жұмысына қойылатын талаптар уәкілетті органның нормативтік құқықтық актілерінде айқындалады.

Тарату комиссиясы төрағасының және мүшелерінің құқықтары мен міндеттері, оның ішінде сыйақыға құқығы, қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банкі филиалының істері мен мүлкін басқару жөніндегі өкілеттіктердің көлемі уәкілетті органның нормативтік құқықтық актілерінде және олармен кредиторлар комитеті Қазақстан Республикасының заңнамасында белгіленген талаптарды сақтай отырып жасасқан келісімде реттеледі.

Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясының төрағасына, мүшелеріне және тартылған өзге де қызметкерлерге төленетін сыйақының ай сайынғы мөлшері олардың әрқайсысына республикалық бюджет туралы заңда белгіленген және тиісті қаржы жылының 1 қаңтарына қолданыста болатын жалақының он еселенген ең төмен мөлшері сомасынан аспауға тиіс.

Қазақстан Республикасы бейрезидент-банкі филиалының конкурстық тарату массасы уәкілетті органның нормативтік құқықтық актісінде айқындалған тәртіппен қалыптастырылады.

Қазақстан Республикасы бейрезидент-ислам банкі филиалының конкурстық тарату массасына инвестициялық депозит туралы шарт бойынша тартылған ақша есебінен сатып алынған мүлік кірмейді. Көрсетілген мүлік, сондай-ақ инвестициялық депозиттер бойынша міндеттемелер тарату комиссиясының басқа ислам банкіне немесе Қазақстан Республикасы бейрезидент-ислам банкінің филиалына беруіне жатады.

Ислам банкін, Қазақстан Республикасы бейрезидент-ислам банкінің филиалын таңдау және оларға қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-ислам банкі филиалының инвестициялық депозит туралы шарт бойынша тартылған ақша есебінен сатып алынған мүлкін және инвестициялық депозиттері бойынша міндеттемелерін беру тәртібі уәкілетті органның нормативтік құқықтық актісінде белгіленеді.

Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын қанағаттандыру үшін қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясы Қазақстан Республикасы бейрезидент-банкі филиалының активтерін, оның ішінде резерв ретінде қабылданған активтерін және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін жүзеге асыру үшін ашылған банктік шоттардағы ақшаны пайдалануға құқылы.

Қазақстан Республикасы бейрезидент-банкі филиалының активтері, оның ішінде резерв ретінде қабылданған активтері жеткіліксіз болған кезде Қазақстан Республикасының бейрезидент-банкі Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын осы Заңның 13-1-бабы 2-тармағының 12) тармақшасына сәйкес уәкілетті органға бұрын ұсынылған жазбаша міндеттемеге сәйкес қанағаттандырады.

Уәкілетті орган тарату туралы есепті бекітеді және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату рәсімін аяқтау туралы шешім қабылдайды.

Қазақстан Республикасы бейрезидент-банкі филиалының қызметін мәжбүрлеп тоқтату рәсімі аяқталған кезде тарату комиссиясы құжаттарды сақтау үшін белгіленген тәртіппен архивке тапсыруға және бұл туралы уәкілетті органды хабардар етуге міндетті.

Қазақстан Республикасы бейрезидент-банкінің филиалы есептік тіркеуден шығарылғаннан кейін қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясы бес жұмыс күні ішінде уәкілетті органға филиалдың есептік тіркеуден шығарылғаны туралы анықтаманың көшірмесін ұсынады.

6. Қазақстан Республикасының бейрезидент-банкін банк қызметін жүзеге асыруға арналған лицензиядан айыру және (немесе) Қазақстан Республикасының бейрезидент-банкін мәжбүрлеп тарату (қызметін тоқтату) негіздері бойынша Қазақстан Республикасы бейрезидент-банкінің филиалын банк операцияларын және өзге де операцияларды жүргізуге арналған лицензиядан айырған жағдайда Қазақстан Республикасы бейрезидент-банкінің қызметін мәжбүрлеп тоқтату рәсімі мынадай ерекшеліктер ескеріле отырып жүзеге асырылады:

1) осы баптың 5-тармағы он төртінші бөлігінің ережелері қолданылмайды;

2) Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын қанағаттандыруды қызметі мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банкі филиалының тарату комиссиясы осы Заңның 74-2-бабына сәйкес, Қазақстан Республикасы бейрезидент-банкінің филиалы активтерінің, оның ішінде резерв ретінде қабылданған активтерінің және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін жүзеге асыру үшін ашылған банктік шоттардағы ақшаның есебінен жүргізеді;

3) Қазақстан Республикасы бейрезидент-банкі филиалының, оның ішінде резерв ретінде қабылданған активтері және Қазақстан Республикасы бейрезидент-банкі филиалының қызметін жүзеге асыру үшін ашылған банктік шоттардағы ақша жеткіліксіз болған кезде Қазақстан Республикасы бейрезидент-банкінің филиалы кредиторларының талаптарын қанағаттандыру Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің заңнамасында көзделген тәртіппен жүргізіледі.

Уәкілетті орган және Қазақстан Республикасының бейрезидент-банкі резиденті болып табылатын мемлекеттің қаржылық қадағалау органы арасында Қазақстан Республикасының бейрезидент-банкін тарату рәсімінің барысы мен нәтижелері туралы ақпарат алмасу осы Заңның 13-1-бабы 1-тармағының 3) тармақшасында көрсетілген келісімде көзделген негізде және тәртіппен жүзеге асырылады.

7. Уәкілетті орган қызметі ерікті түрде және мәжбүрлеп тоқтатылатын Қазақстан Республикасы бейрезидент-банктері филиалдарының тарату комиссияларының қызметін бақылауды осы Заңның 74-4-бабына сәйкес жүзеге асырады.

Ескерту. 74-5-баппен толықтырылды – ҚР 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңымен.

9-1-тарау.

Ескерту. 9-1-тарау алынып тасталды - ҚР 2003.07.10 № 483 (01.01.2004 бастап қолданысқа енгізіледі) Заңымен.

10-тарау. Қорытынды және өтпелі ережелер

Ескерту. 10-тараудың атауы жаңа редакцияда - ҚР 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңдарымен.

75-бап. Осы Заңның қолданылу аясы

1. Осы Заңның қалыптары өз қызметiн Қазақстан Республикасының заңдарына сәйкес жүзеге асыратын барлық банкiлерге, соның iшiнде оларды ұйымдастырудың бастапқы кезеңiн регламенттейтiн жекелеген заңдық және қалыптық құжаттардың негiзiнде айрықша тәртiппен құрылған банкiлерге де, сондай-ақ банктердің тікелей және жанама қатысушылары болып табылатын тұлғаларға да қолданылады.

2. Олардың әрқайсысы үшiн рұқсат етiлген банк операциялары түрлерiнiң тiзбесiн, оларға банк операцияларын жүргiзуге лицензия берудiң негiздерi мен олардың қызметiн ықтимал шектеулердi қоса алғанда, банк операцияларының жекелеген түрлерiн жүзеге асыратын ұйымдардың құқықтық мәртебесi, құрылу тәртiбi, лицензиялануы, қызметiнiң реттелуi мен тоқтатылуы осы Заң мен Қазақстан Республикасының өзге де заңдарында, ал Қазақстан Республикасының заңдарымен көзделген жағдайларда уәкiлеттi органның және Қазақстан Республикасы Ұлттық Банкінің нормативтiк құқықтық актiлерiнде белгiленедi.

Мемлекеттік органдардың бөлімшелері болып табылатын ұйымдар банк операцияларын Қазақстан Республикасы Үкіметінің жоғарыда аталған ұйымдарды құру, қызметі, қызметін реттеу және тоқтату тәртібін айқындайтын нормативтік құқықтық актілеріне сәйкес, оларды жүзеге асыруды үшінші тұлғаларға беру құқығынсыз, тек қана мемлекеттік бюджетке қатысты және соның қаражаттары есебінен жүзеге асыруға құқылы.

2.1. "Қаржы нарығы мен қаржы ұйымдарын мемлекеттiк реттеу, бақылау және қадағалау туралы" Қазақстан Республикасының Заңына сәйкес енгізілген ерекше реттеу режимі шеңберінде қызметін жүзеге асыратын банктер мен өзге де заңды тұлғаларға осы Заңның және уәкілетті органның, Қазақстан Республикасы Ұлттық Банкінің осы Заңға сәйкес қабылданатын нормативтік құқықтық актілерінің нормалары ерекше реттеу режимінің шарттарында көзделген шекте қолданылады.

Осы тармақтың бірінші бөлігінің ережелері Қазақстан Республикасы бейрезидент-банктерінің филиалдарына қолданылмайды.

3. Алып тасталды - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі) Заңымен.

4. Осы Заңның банктерге қатысты қолданылатын ережелері (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-баптарды қоспағанда) осы Заңда белгіленген ерекшеліктер ескеріле отырып, Қазақстан Республикасы бейрезидент-банктерінің филиалдарына қолданылады.

Осы Заңның 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-баптарында көзделген, уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің банктерге байланысты құқықтық қатынастарды реттеу саласындағы өкілеттіктері, оның ішінде осы Заңды іске асыру мақсатында нормативтік құқықтық актілерді қабылдауға арналған өкілеттіктері Қазақстан Республикасы бейрезидент-банктерінің филиалдарына байланысты құқықтық қатынастарға қолданылады.

Ескерту. 75-бапқа өзгерістер енгізілді - ҚР 1997.07.11 № 154, 2001.03.02 № 162, 2003.07.10 № 483 (01.01.2004 бастап қолданысқа енгізіледі), 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); 24.11.2015 № 422-V (16.12.2020 бастап қолданысқа енгізіледі); 02.07.2018 № 168-VІ (алғашқы ресми жарияланған күнінен бастап күнтізбелік он күн өткен соң қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 02.01.2021 № 399-VI (16.12.2020 бастап қолданысқа енгізіледі) Заңдарымен.

76-1-бап. Өтпелі ережелер

Осы Заңның 57-бабы 1-1-тармағы үшінші бөлігінің талаптары 2005 және 2006 жылдардың қорытындылары бойынша банк конгломераты қатысушыларына аудитті жүзеге асыруда қолданылмайды.

Ескерту. 76-1-баппен толықтырылды - ҚР 2007.02.19 № 230 (қолданысқа енгізілу тәртібін 2-баптан қараңыз) Заңдарымен.

76-бап.

Ескерту. 76-бап алынып тасталды - ҚР 1998.06.29 № 236 Заңымен.

77-бап. Уәкілетті органның және Қазақстан Республикасы Ұлттық Банкінің iс-әрекеттерiне (әрекетсіздігіне) шағым беру

Ескерту. 77-баптың тақырыбына өзгеріс енгізілді - ҚР 03.07.2019 № 262-VI Заңымен (01.01.2020 бастап қолданысқа енгізіледі).

Уәкiлеттi органның және Қазақстан Республикасы Ұлттық Банкінің банк қызметiн реттеу саласындағы iс-әрекеттерiне (әрекетсіздігіне) Қазақстан Республикасының заңдарында белгіленген тәртіппен шағым берілуі мүмкiн.

Уәкілетті органның немесе Қазақстан Республикасы Ұлттық Банкінің қадағалап ден қою шараларын (қадағалап ден қоюдың ұсынымдық шараларынан басқа) және (немесе) санкцияларды қолдану туралы, банкті өзінің депозиторлары мен кредиторларының мүдделеріне қатер төндіретін және (немесе) қаржы жүйесінің тұрақтылығына қатер төндіретін қаржылық жағдайы орнықсыз банктер санатына жатқызу туралы, банкті төлемге қабілетсіз банктер санатына жатқызу туралы, оған реттеу жөніндегі шараларды қолдану туралы шешімдеріне, сондай-ақ банкті басқару жөніндегі уақытша әкімшіліктің (банкті уақытша басқарушының) консервациялау сатысындағы, соттың банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін банктің уақытша әкімшілігінің (уақытша әкімшісінің) әрекеттеріне шағым жасау шағым жасалып отырған шешімнің орындалуын немесе әрекеттерді (әрекетсіздікті) тоқтата тұрмайды.

Уәкілетті органның шешімі негізінде жасалған және (немесе) консервациялау сатысында банкті басқару жөніндегі уақытша әкімшілік (банкті уақытша басқарушы), банктің уақытша әкімшілігі (уақытша әкімшісі) тарапы болып табылатын мәміле жарамсыз деп танылған жағдайда, соттың банкті мәжбүрлеп тарату туралы шешімі заңды күшіне енгенге дейін тараптардың осы мәміле бойынша алғандарының барлығын қайтаруына жол берілмейді.

Ескерту. 77-бап жаңа редакцияда - ҚР 2012.07.05 № 30-V (алғашқы ресми жарияланғанынан кейін күнтізбелік он күн өткен соң қолданысқа енгізіледі); өзгерістер енгізілді – ҚР 02.07.2018 № 168-VІ (01.01.2019 бастап қолданысқа енгізіледі); 03.07.2019 № 262-VI (01.01.2020 бастап қолданысқа енгізіледі); 29.06.2020 № 351-VI (01.07.2021 бастап қолданысқа енгізіледі) Заңдарымен.

78-бап. Осы Заңның күшiне енуi

1. Осы Заң жарияланған күннен бастап күшiне енедi.

2. Осы Заң күшiне енген күннен бастап, "Қазақстан Республикасындағы банкiлер туралы" 1993 жылғы 14 сәуiрдегi Қазақстан Республикасы заңының қолданылу кезеңiнде банкiлердiң жарғылық капиталын қалыптастыру тәртiбiн бұзушылықтарға жол берiлгендiгi анықталған жағдайда, банкiлерге осы Заңда көзделген санкциялар қолданылады.

Ескерту. 78-бапқа өзгерту енгізілді - ҚР 1997.07.11 № 154 Заңымен.

Қазақстан Республикасының Президентi