{"id":4530,"date":"2026-07-12T18:45:13","date_gmt":"2026-07-12T13:45:13","guid":{"rendered":"https:\/\/bondstonelaw.com\/?page_id=4530"},"modified":"2026-07-12T21:13:03","modified_gmt":"2026-07-12T16:13:03","slug":"afsa-banking-credit-licensing","status":"publish","type":"page","link":"https:\/\/bondstonelaw.com\/ru\/afsa-banking-credit-licensing\/","title":{"rendered":"AFSA Banking & Credit Licensing"},"content":{"rendered":"

AIFC  \u00b7  BANKING & CREDIT<\/p>\n

AFSA Licensing \u2014 Banking & Credit<\/h1>\n

Bond Stone advises on AFSA banking and credit licensing pathways within the AIFC \u2014 from deposit-taking and credit provision through credit advisory, arranging, and account operation mandates.<\/p>\n

Banking and credit activities within the AIFC are among the most capital-intensive and governance-demanding licence categories, reflecting the systemic importance of deposit-taking institutions. The AIFC provides a full English common law banking framework \u2014 distinct from Kazakhstani banking law \u2014 making it an attractive base for international banks seeking a Central Asian common law platform.<\/p>\n

Governed by: AIFC Financial Services Framework Regulations; AFSA Banking Business Rules; AFSA Conduct of Business Rules; AFSA Fees Rules (as amended 1 December 2025). Authority: afsa.aifc.kz<\/a><\/p>\n

\n

Banking & Credit Regulated Activities<\/h2>\n\n\n\n\n\n\n\n
Activity<\/th>\nDescription<\/th>\nCapital<\/th>\n<\/tr>\n
Accepting Deposits<\/td>\nAccepting money from the public on terms that it will be repaid \u2014 the core banking activity. Subject to extensive prudential requirements, governance obligations, liquidity ratios, and ongoing AFSA supervision.<\/td>\nSet by AFSA on case-by-case basis<\/td>\n<\/tr>\n
Providing Credit<\/td>\nLending money or extending credit facilities to clients. Covers lending institutions, consumer credit providers, and trade finance companies operating within the AIFC.<\/td>\nSet by AFSA<\/td>\n<\/tr>\n
Advising on a Credit Facility<\/td>\nAdvising clients on credit facilities \u2014 including syndicated loans, trade finance structures, and debt capital market transactions. Lower capital requirement than direct credit provision.<\/td>\nUSD 10,000<\/td>\n<\/tr>\n
Arranging a Credit Facility<\/td>\nMaking arrangements for credit facilities between lenders and borrowers \u2014 including loan syndication, debt placement, and structured finance arrangements.<\/td>\nUSD 10,000<\/td>\n<\/tr>\n
Opening & Operating Bank Accounts<\/td>\nOpening and operating bank accounts on behalf of clients. Typically combined with custody or trust services mandates. Requires robust AML\/CTF framework and client onboarding procedures.<\/td>\nSet by AFSA<\/td>\n<\/tr>\n<\/table>\n
\n

Note on capital requirements:<\/strong> Banking activity capital requirements within the AIFC are determined by AFSA on a case-by-case basis, taking into account the scope of activities, projected balance sheet size, risk profile, and governance arrangements. Bond Stone advises on the pre-application engagement process with AFSA to establish capital expectations before a formal application is filed.<\/p>\n<\/div>\n

\n

Why Bond Stone<\/p>\n

\u2726  AIFC RLA \u2014 Banking & Finance specialisation<\/p>\n

\u2726  Pre-application AFSA engagement strategy \u2014 avoid rejected applications and non-refundable fees through early regulatory dialogue<\/p>\n

\u2726  Ranked Legal 500 EMEA and IFLR1000 \u2014 offices in Almaty and Astana<\/p>\n<\/div>\n

Primary authority: afsa.aifc.kz<\/a><\/p>\n

\n

Discuss your banking or credit licence<\/h2>\n

Contact Bond Stone for a confidential discussion about AFSA banking and credit licensing within the AIFC.<\/p>\n

\n\ud83d\udce7 info@bondstonelaw.com<\/a>
\n\ud83d\udcde +7 (701) 729 76 72<\/a>\n<\/p>\n

\nRequest a Confidential Consultation<\/a>
\n\u2190 AFSA Licensing Hub<\/a>
\nInsurance \u2192<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

AIFC  \u00b7  BANKING & CREDIT AFSA Licensing \u2014 Banking & Credit Bond Stone advises on AFSA banking and credit licensing pathways within the AIFC \u2014 from deposit-taking and credit provision through credit advisory, arranging, and account operation mandates. Banking and credit activities within the AIFC are among the most capital-intensive and governance-demanding licence categories, reflecting […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4530","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.2","language":"ru","enabled_languages":["en","ru"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"ru":{"title":false,"content":false,"excerpt":false}}},"_links":{"self":[{"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/pages\/4530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/comments?post=4530"}],"version-history":[{"count":3,"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/pages\/4530\/revisions"}],"predecessor-version":[{"id":4566,"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/pages\/4530\/revisions\/4566"}],"wp:attachment":[{"href":"https:\/\/bondstonelaw.com\/ru\/wp-json\/wp\/v2\/media?parent=4530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}