Agrarian Credit

What Agrarian Credit does

Agrarian Credit Corporation JSC (Аграрлық несие корпорациясы АҚ) is a Kazakhstan state-owned agricultural financing institution operating under Baiterek National Management Holding, the country's national development holding. Founded in 2001 and headquartered in Astana with a regional office in Almaty, the corporation delivers preferential and subsidized credit programmes to agricultural producers across all regions of Kazakhstan through 17 regional branches, an online lending portal (agronesie.kz), a mobile application, a 1408 call center, and channel partnerships with Halyk Bank, Bank CenterCredit, and ForteBank. Its mandate is to channel state investment into the agricultural sector in support of Kazakhstan's national strategy to shift from raw commodity exports toward higher-value processed food production.

The corporation operates six core lending programmes — Ken Dala and Ken Dala 2 for spring field work, Agrobusiness and Agrobusiness 2.0 for general farm financing, Agrobusiness Livestock for animal husbandry, and Isker for agricultural entrepreneurs — alongside investment-project financing for food processing facilities, dairy farms, greenhouses, and irrigation infrastructure. Complementary services include crop and livestock agricultural insurance, problem-debt settlement, and collateral asset sales. As of 2025 the credit portfolio stands at 1,362.5 billion tenge distributed across 56,492 clients, with 554.7 billion tenge of financing volume disbursed during the year.

Agrarian Credit functions as a financial intermediary rather than a market-rate lender: capital is sourced at near-sovereign cost from its parent Baiterek Holding, which deployed approximately 1.1 trillion tenge into Kazakhstan's agricultural sector in 2025 through Agrarian Credit and sister entity KazAgroFinance. Pricing is governed by state subsidy programmes rather than commercial rate-setting, and the institution serves primarily small and medium-sized farms, individual agricultural producers, and SME food-processing operators that lack access to affordable commercial credit. Leadership is exercised through a Chairman of the Board (Almat Ashırbekov) and two Deputy Chairmen (Erlan Ospanov, Arman Mırozhin), with no private equity, venture capital, or public shareholders indicated in the available filings.

Name

Agrarian Credit

Legal name

Аграрлық несие корпорациясы АҚ

Website

https://agrocredit.kz

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

Agrarian Credit Corporation JSC is Kazakhstan's state-owned agricultural financing institution under Baiterek National Management Holding, providing subsidized credit, investment-project financing, and agricultural insurance to 56,492 farm and SME clients through 17 regional branches and digital channels.

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Other Crop Farming (1119)

SIC

Agricultural Services (700), Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Whole-Farm Business Management & Budgeting Advisory (AFACAJAA)

akta.pro secondary industries

Capital Projects & Farm Expansion Advisory (Feasibility, Site Planning, ROI) (AFACAJAN), Succession, Governance & Ownership Transition Advisory (AFACAJAO)

Keywords

• Agricultural lending
• Subsidized farm credit
• Crop financing programs
• Livestock loans
• Agribusiness financing

Headquarters

HQ city

Sultan

HQ country

Kazakhstan

HQ region

Asia

Offices20 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Agricultural Lending: Agrarian Credit provides subsidized/privileged financing to agricultural producers in Kazakhstan through various state programs. The corporation operates as a financial intermediary channeling state investment into the agricultural sector, funding food processing facilities, dairy farms, greenhouses, and irrigation infrastructure.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Agrarian Credit Corporation JSC is a Kazakhstan state-owned agricultural financing institution that provides subsidized credit programs (Ken Dala, Ken Dala 2, Agrobusiness, Agrobusiness 2.0, Agrobusiness Livestock, Isker) to agricultural producers for seasonal field work, livestock operations, and agribusiness investment. The corporation also finances investment projects in food processing, dairy farms, greenhouses, and irrigation infrastructure, and offers crop and livestock insurance products, with distribution through 17 regional branches, an online portal (agronesie.kz), and partner commercial banks.

Product overview

Agrarian Credit (Аграрлық несие корпорациясы) is Kazakhstan's state-owned agricultural financing corporation operating under Baiterek National Management Holding. The company offers a multi-product lending platform organized around seasonal field work programs (Кең дала and Кең дала 2), general agribusiness financing (Агробизнес and Агробизнес 2.0), specialized livestock lending (Агробизнес. Мал шаруашылығы), and entrepreneur credit (Іскер). Additional services include investment project financing for food processing facilities, dairy farms, greenhouses, and irrigation infrastructure, agricultural insurance (crop and livestock), problem debt settlement, and collateral asset sales. Financing is accessible through an online portal (agronesie.kz), mobile application, 17 regional branches, and call center (1408). The 2025 financing portfolio totaled approximately 554.7 billion tenge across 56,492 clients, with a loan portfolio of 1,362.5 billion tenge.

Differentiator

Problem solved

Functional benefit

Products and services

• Ken Dala (Кең дала)

Quantifiable outcome

• Credit portfolio of 1,362.5 billion tenge with 56,492 clients
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Social-Entrepreneurial Corporation KokshecoreStrategic or Co-development Partner · 12 February 2026Agrarian Credit Corporation and Social-Entrepreneurial Corporation Kokshe signed a three-year framework agreement to open an annual credit line of 35 billion tenge for agricultural financing in Akmola province, Kazakhstan. The credit funds are directed specifically to financing agricultural producers under the Ken Dala 2 programme.
• Halyk BankminorChannel Partner/ Reseller/ DistributorAgrarian Credit partners with Halyk Bank for online account opening services, enabling customers to access agricultural financing through the bank's digital platform.
• Bank CenterCreditminorChannel Partner/ Reseller/ DistributorAgrarian Credit partners with Bank CenterCredit (BCC) for online account opening services, allowing customers to access agricultural financing through BCC's online platform.
• ForteBankminorChannel Partner/ Reseller/ DistributorAgrarian Credit partners with ForteBank for online account opening services, providing another channel for customers to access agricultural financing.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Rabobank: Global cooperative bank specializing in food and agriculture financing. Comparable as a specialist agricultural lender, though privately owned and internationally diversified rather than state-backed.
• Rosselkhozbank (Russian Agricultural Bank): State-owned agricultural bank in Russia serving a similar mandate of financing agricultural producers, agribusiness, and rural development. Comparable as a national-scale state ag lender, though operating in a different geography.
• BNDES (Brazilian Development Bank): Brazilian federal development bank with significant agricultural and agribusiness financing programs. Comparable as a state development bank channeling subsidized credit into agriculture and food processing.
• China Agricultural Development Bank: State-owned policy bank in China dedicated to agricultural financing, grain reserves, and rural infrastructure. Comparable institutional model — government-backed, mandate-driven lending to agriculture — at much larger scale.
• Farm Credit System (US): US network of borrower-owned cooperative lending institutions providing credit to agriculture and rural communities. Comparable as a specialized agricultural credit system serving farmers and agribusiness, though cooperatively rather than state-owned.
• NABARD (National Bank for Agriculture and Rural Development): Indian development finance institution focused on agriculture and rural lending, refinancing, and institutional development. Comparable as a state-mandated agricultural credit institution serving smallholder farmers.

Others

• Halyk Bank: Kazakhstan's largest commercial bank and a channel partner for Agrarian Credit's online account opening and financing access. Indirectly comparable as a domestic financial institution with overlapping agribusiness customer base.
• Bank CenterCredit: Major Kazakhstan commercial bank serving SMEs and corporate clients, partnered with Agrarian Credit for digital account opening. Comparable as a local SMB-focused lender in the same ecosystem.
• ForteBank: Kazakhstan commercial bank serving SMBs and agribusiness, partnered with Agrarian Credit for onboarding. Comparable as a domestic lender operating in the same geography and SMB segment, though not specialized in agriculture.

Direct peers

• KazAgroFinance: Sister state-owned agricultural financing institution under Baiterek National Management Holding, providing leasing and credit to Kazakhstan's agricultural sector. Directly comparable in mandate, ownership, and target customers to Agrarian Credit.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/agrocredit.kz

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Agrarian Credit