Amendments and Changes to Certain Regulatory Legal Acts of the Republic of Kazakhstan on banking and microfinance activities Decree of the Management Board of the National Bank of the Republic of Kazakhstan dated 26 March 2012 No. 137 "Approval of the Rules for Calculation of Interest Rates in a Reliable, Annual, Effective, Comparable Calculation (Real Value) for Loans and Deposits", Decree of the Management Board of the National Bank of the Republic of Kazakhstan dated 26 November 2019 No. 208 "Approval of the Rules for Calculation of an Annual Effective Interest Rate on Provided Microloans" and Decree of the Management Board of the National Bank of the Republic of Kazakhstan dated 28 November 2019 No. 218 "Approval of the List of Fees and Other Payments Related to Issue and Servicing of a Retail Bank Loan."