Legal entities and individual entrepreneurs officially registered as business entities

Small and medium-sized businesses

Any purposes that contribute to the development and expansion of the borrower's activities, except for the purposes specified in the following paragraph

- Repayment of previously received loans (except for the assignment of claims);
- Repayment of overdue accounts payable;
- Financing activities related to the legalization of proceeds from crime, the financing of terrorism, and the financing of the proliferation of weapons of mass destruction;
- Financing terrorist activities;
- Arms production and trade;
- Production and sale of narcotic drugs (except for pharmaceutical activities);
- Payments to the budget and extra-budgetary funds (except for excise tax, VAT, and customs duties);
- Speculative stock exchange transactions with securities;
- Payment of dividends;
- Political purposes;
- Organizing casinos and other types of gambling;
- Formation/replenishment of authorized capital;
- Other purposes and activities prohibited by the legislation of the Republic of Uzbekistan.

- Loan without opening a credit line;
- Loan with opening a credit line (including with a revolving clause)

Non-cash, by transferring the borrower's funds from the loan account to his deposit account serviced by JSC "APEX BANK", with the possibility of subsequent withdrawal of cash

No more than 5 (five) business days from the date of full provision of the set of documents for the loan and its security

UZS

Maximum loan amount:
- no more than 500.0 million soums for sole proprietors.
For newly established sole proprietors (with a state registration period of less than three (3) months), the maximum loan amount is 250.0 million soums;
- no more than 2.0 billion soums for legal entities. For newly established legal entities (with a state registration period of less than three (3) months), the maximum loan amount is 1.0 billion soums.
The loan amount depends on the borrower's financial situation, deposit account turnover, business volume, loan repayment sources, and the collateral provided.

Not required

No more than 36 months from the date of the loan agreement, including:
- For loans without a credit line:
no more than 36 months from the date of the loan agreement;
- For loans with a credit line:
the tranche term is no more than 30 months.

- For loans without a credit line:
no more than 30 days from the date of the loan agreement - For loans with a credit line:
no more than 6 months from the date of the loan agreement

No more than 6 months from the loan/tranche issuance date.
The grace period is determined by the specifics of the financed project

From 30% per annum*

72% per annum

Monthly/quarterly, as well as individually, depending on the forecasted cash flows of the borrower. The amount and repayment date of the principal debt are agreed upon in the loan agreement.

Monthly/quarterly, as well as individually, depending on the forecasted cash flows of the borrower. The amount and repayment date of the interest are agreed upon in the loan agreement.

Early repayment (partial or full) is permitted without charging commission.

Legal entities and individual entrepreneurs meeting the following requirements:
1. Availability of a deposit account in JSC "APEX BANK";
2. Having a positive credit history, it is permissible to have no credit history;
3. For legal entities:
Availability of a liquid balance sheet and profitable activity - for operating business entities, availability of an entry balance sheet - for newly established business entities. 4. Existence of valid permits (licenses, certificates, opinions, and others) for the right to carry out activities issued by the authorized state body, if the activity provides for them; 5. Not being in the bankruptcy or court proceedings stage and having a stable current and prospective financial position;
6. Availability of forecasted stable sources of repayment of obligations to banks;
7. The absence of outstanding overdue debt on previously conducted credit operations (principal or interest) with banks and non-bank credit institutions; 8. Lack of activities related to the legalization of proceeds from criminal activity, the financing of terrorism, and the financing of the proliferation of weapons of mass destruction;
9. The absence of a business entity, its managers, and beneficial owners in national and international sanctions lists;
10. Lack of large stocks of finished non-liquid products;
11. Not to have debts under Card No. 2 "Due Payment Documents";
12. The absence of debt according to the Bureau of Compulsory Enforcement under the General Prosecutor's Office of the Republic of Uzbekistan.

Not less than 125% of the loan amount (130% for individuals affiliated with the Bank). The following is accepted as collateral for the loan:
1. Real estate pledge;
2. Pledge of motor vehicles;
3. Pledge of funds, including deposits.
In addition to the main collateral specified above, additional collateral for the loan must be provided in the form of a guarantee from the founders/owners of the business and the managers.

For real estate collateral:
- production areas;
- office space;
- warehouse and retail premises;
- public catering facilities;
- residential buildings and apartments, if they are not the sole dwelling of the mortgagor and there are no registered persons in them; - other real estate in the form of buildings and structures.
For movable property collateral:
- vehicles with internal combustion engines (ICE), excluding specialized equipment, with a production period of no more than 3 years inclusive;
Also, other requirements stipulated by the current legislation of the Republic of Uzbekistan, the Credit Policy of APEX BANK JSC, and other internal regulatory documents of the Bank.

For real estate collateral - at least 30% of the value**;
For the pledge of motor vehicles - at least 40% of the value**.
** if the loan object (i.e., the property acquired through a credit transaction) is provided as collateral, the discount is applied to the contract/agreement value, in other cases - to the market value.

Product NPL share not exceeding 3% of legal entities' loan portfolio for this credit product