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Exchange rates

  • 1 USD 1.8450 / 1.8570
    1 EUR 2.0620 / 2.0800
    100 RUB 3.2500 / 3.3000

Precious metals

  • Gold
  • Silver
  • Platinum
1g. 102 BYN 10g. 21 BYN 10g. 1 000 BYN
5g. 445 BYN 20g. 35 BYN 20g. 2 000 BYN
10g. 863 BYN 50g. 80 BYN

Commemorative coins

1 USD1.8450 / 1.8570 1 EUR2.0620 / 2.0800 100 RUB3.2500 / 3.3000 10 CNY2.6410 / 2.7610 1 GBP2.3760 / 2.4320

Credit Operations

Dear managers of organizations and enterprises!

 

Belarusbank primarily focuses on maintaining the innovative process of economic development via provision of credit resources to the manufacturing sector with science-intensive and resource saving technologies, which exports its products and produces import substitutes.

In order to increase the country's export potential the Bank gives preference to organizations with access to foreign markets when provides its credit support.

In order to further develop the agricultural sector and related social sectors in rural areas and to ensure food security of the Republic of Belarus, the Bank credits the procurement companies processing agricultural raw materials, their reconstruction, modernization and creation of high-performance, environmentally friendly technologies for food production.

Belarusbank continues to stimulate the development of small and medium enterprises, including the development of business activities in small and medium towns, by microcrediting the projects with the output of import-substituting goods and products which are exported.

 

Crediting

Belarusbank provides loans to legal entities and individual entrepreneurs (including newly established small and medium enterprises) on a short- and long-term basis:

  • for investment activities;
  • for working capital needs;

Short-term loans are provided for a period not exceeding 12 months, long-term loans - for a period over 12 months.

 

Loans include:

  • funds provided on a lump sum basis;
  • credit lines;
  • overdrafts in national currency for the purpose of current (working) assets creation and movement.

Overdrafts are provided to legal entities and individual entrepreneurs:

  • using cash and settlement services of the Bank over a period of not less than 6 months;
  • having the experience of doing the primary business for at least 1 year;
  • having a sustainable financial situation.

The expiry period of the overdraft agreement is no more than 90 days. The extension of the general overdraft period is permitted for a period not exceeding 90 days.

The documents to be provided by legal entities to the Bank to receive a loan:

  • financial and accounting statements;
  • documents certifying the validity of the credited transaction;
  • documents securing credit obligations;
  • a certificate of existence of loans (other advances) received from other banks and their repayment periods;
  • a certificate of existence and duration of overdue debts on principal for previously issued and outstanding loans received by the applicant from other banks;
  • a business plan for the year, an expert opinion on the business plan issued by the governmental authorities or technical-economic and financial indicators of enterprise development for a credited period (when a loan for current activities is requested); business plan of an investment project, an expert opinion on the business plan of the investment project issued by the governmental authorities (when a loan for investment activities is requested);
  • other documents depending on the nature of the credited project.

Additional documents to be provided by legal entities which have opened their current accounts with another bank:

  • copies of constituent documents and the document of state registration certified according to the established procedure;
  • documents on the appointment of the applicant's Director (CEO);
  • a specimen signature card with the executives authorized to dispose of the account and the seal of the account holder certified according to the established procedure;
  • a certificate of records to the applicant's off-balance account 99814 "Payment documents not paid in time" for the last three months;
  • a certificate of a servicing bank on cash flows in current and foreign currency accounts;
  • a copy of a registration (re-registration) document.

Documents to be provided by individual entrepreneurs to the Bank to receive a loan:

financial statements and general information about financial and business activities of an individual entrepreneur (primary records (books of income and expenses, raw products and materials, daily sales, goods flows, cash book and (or) other records for a period of no less than 6 months); a certificate of the Inspection Board of the Ministry for Taxes and Levies of the Republic of Belarus on the amount of revenue received by an individual entrepreneur from business activities, a certificate-calculation of income tax on income from business activities);

a certificate of existence of loans (other advances) that received from other banks;

a certificate of existence and duration of overdue debts on previously issued and outstanding loans of other banks;

a feasibility report on the economic effectiveness and payback period of the credited project (business plan, at the time of its development) when lending for the purpose of creation and movement of long-term (non-current) assets, an explanatory note on the entrepreneur's activities - when lending for the current activities purposes;

calculation of cash flows for the crediting period;

documents securing the fulfillment of obligations under credit agreements;

a specimen signature card and the entrepreneur's seal, the authenticity of which is notarially certified (if the current (settlement) account is opened with another bank or business activities are carried out without opening of a current (settlement) account);

other documents depending on the nature of the credited project.

Obligations on issued loans can be secured by:

  • a pledge of property;
  • a surety;
  • a guarantee deposit of money;
  • other means in accordance with the legislation of the Republic of Belarus.

The amount of security for the fulfillment of obligations shall be equal to the amount of the loan plus interest thereon, multiplied by the bank's risk ratio 1,3.

Micro-crediting under the simplified procedure.

Micro-credits provided for development of newly created small and medium enterprises are guaranteed by noncommercial organizations established in accordance with the Resolution No 519 of the Council of Ministers of the Republic of Belarus "On Some Issues of the Activities of Noncommercial Organizations Conducted for the Purpose of Development and Support of Small Businesses" dated 06.05.2004 and/or other highly-liquid collateral on condition that a feasibility report on the project is provided.

Micro-credits to legal entities and individual entrepreneurs are provided at the place where they receive their cash and settlement services from the Bank in the amount not exceeding 7500 base values set by the legislation of the Republic of Belarus as of the date of the latest credit agreement (including indebtedness on all loan agreements in force).

To issue a micro-credit under the simplified procedure, the Bank, apart from the documents certifying the legal capacity of the applicant, is to receive the following documents:

  • a request for a loan;
  • a questionnaire of a standard type;
  • a copy of an individual's passport, if micro-credit is provided to an individual entrepreneur;
  • balance sheets with explanations - annual and as of the last quarter date; profit and loss statements for the indicated periods.
  • documents securing credit obligations;
  • forecast calculation of the cash flow for the crediting period.

The amount of security for the fulfillment of obligations should be equal to the amount of the loan plus interest thereon.

The Bank provides loans on a reimbursement basis at an interest rate charged for the actual time of utilizing credit resources and fees paid for credit operations (accumulation of funds to provide a credit, making amendments to the terms and conditions of the credit agreement upon the borrower's request). The interest rate on newly issued loans is based on the refinancing rate of the National Bank of the Republic of Belarus and the margin limit recommended by the National Bank.

 

Guarantees and Sureties 

Upon request of legal entities and individual entrepreneurs Belarusbank provides guarantees and sureties both in Belarusian rubles and in foreign currency.

Depending on the purpose and nature of guaranteed obligations the Bank can provide the following types of bank guarantees:

  • payment guarantees;
  • advance payment guarantees;
  • performance bonds;
  • tender guarantees;
  • loan guarantees;
  • customs guarantees.

The list of documents to obtain a bank guarantee (surety) includes:

  • an agreement (contract) requiring the client to provide a guarantee (surety);
  • documents securing the obligations to the Bank;
  • financial and accounting statements;
  • notarized constituent documents (for enterprises which are not clients of Belarusbank);

Obligations under the bank guarantee can be secured by:

  • a pledge of property;
  • a surety;
  • a guarantee deposit of money;
  • other means in accordance with the legislation of the Republic of Belarus.

The amount of security for the fulfillment of obligations shall be equal to the guarantee amount multiplied by the bank's risk ratio 1,3.

The bank guarantees and sureties are issued on a remuneration basis with the fees charged in accordance with the Schedule of Fees approved by Belarusbank's Board.

Additional information on this type of services can be provided by:

  • the Crediting and Corporate Business Department of the Bank's Head Office - tel. (017) 2188322;
  • any office of the Bank. 

Factoring Transactions

Belarusbank conducts operations of domestic factoring (financing through cession of a money claim) by way of payment of the Supplier's money claims less a discount which is a remuneration (fee) for a factoring transaction.

The economic benefits of factoring:

  • release of working capital;
  • acceleration of the asset turnover;
  • increase in the number of buyers because payments for goods are deferred;
  • opportunities for extra profit due to increase in sales volume.

The list of documents to conduct a factoring operation includes:

  • documents securing obligations to the Bank;
  • financial and accounting statements;
  • notarized constituent documents (for enterprises which are not clients of Belarusbank);
  • agreements (contracts) for the sale of products, shipping documents (transportation documents (railway, road and air waybills, bills of lading), invoices, shipping specifications, certificates, customs declarations);
  • other documents.

Obligations under a factoring agreement can be secured by:

  • a guarantee deposit of money;
  • a pledge of immovable or movable property;
  • a surety (guarantee);
  • other means in accordance with the legislation of the Republic of Belarus.

The amount of security for the fulfillment of obligations under the factoring agreement should be equal to the amount of the assigned money claims multiplied by the bank's risk ratio 1,3.

Additional information on this service can be received from:

  • the Crediting and Corporate Business Department of the Bank's Head Office - tel. (017) 2188322;
  • any office of the Bank.
/ Credit Operations