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DEPOSITS

of “Islamic Bank “Zaman-Bank” JSC

1.1 Demand deposits (Qard)

Legal entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 300 000 KZT/1 000 USD/1 000 EUR 30 000 KZT/100 USD/100 EUR
Maximum deposit amount not limited
Tenor of deposit on demand
Rate of return no return
Additional contributions allowed
Partial withdrawal allowed
Special conditions By the decision of authorised body Hiba (gift) can be made

1.2 Investment deposits (Mudaraba)

Legal entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 1 000 000 KZT/3 000 USD/3 000 EUR 300 000 KZT/1 000 USD/1 000 EUR
Maximum deposit amount not limited
Tenor of deposit 6/12/18/24/36 months
Rate of return depends on the amount and tenor of deposit
Periodicity of profit payment on expiry date
Additional contributions not allowed
Partial withdrawal not allowed
Special conditions early deposit withdrawal is not allowed

Note 1: Deposit terms may be changed individually by the decision of the authorized body.

Note 2: Rate of return on the deposit means a share of profit generated by the Bank as a result of investing deposited funds in Sharia compliant projects financed to be paid to the depositor. Rate of return depends on the amount and tenor of the deposit.

Type and deposit amount Tenor of the Deposit (client/bank)
Legal entities individuals 6 mon. 12 mon. 18 mon. 24 mon. 36 mon.
from 1 000 000 to/3 000 USD/3 000 EUR (inclusively)
from 30 000 000 to/100 000 USD/ 100 000 EUR
from 300 000 to/1 000 USD/1 000 EUR (inclusive)
from 10 000 000 tenge/30 000 USD/30 000 EUR
50/50 55/45 60/40 65/35 70/30
over 30 000 000 tenge/100 000 USD/100 000 EUR (inclusively) over 10 000 000 tenge/30 000 USD/30 000 EUR (inclusively) 55/45 60/40 65/35 70/30 75/25

1.3 Investment deposits (Wakala)

Legal Entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 3 000 000 KZT/10 000 USD/10 000 EURO 1 000 000 KZT/3 000 USD/ 3 000 EURO
Maximum deposit amount not limited
Tenor of deposit 6 or 12 months
Agent commission 0,5% for 6 months tenor
1% for 12 months tenor
Expected profit depends on currency and tenor of deposit
Periodicity of profit payment on expiry date
Additional contributions not allowed
Partial withdrawal not allowed
Special conditions early deposit withdrawal is not allowed

Note 1: Deposit terms may be changed individually by the decision of the authorized body

Note 2: rate of return on the deposit means a share of profit generated by the Bank as a result of investing deposited funds in Sharia compliant projects financed to be paid to the depositor. Rate of return depends on the currency and tenor of the deposit.

Tenor of deposit Expected profit
In Tenge In foreign currency
6 months 12% 3%
12 months 13% 4%

DEPOSITS

of “Islamic Bank “Zaman-Bank” JSC

1.1 Demand deposits (Qard)

Legal entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 300 000 KZT/1 000 USD/1 000 EUR 30 000 KZT/100 USD/100 EUR
Maximum deposit amount not limited
Tenor of deposit on demand
Rate of return no return
Additional contributions allowed
Partial withdrawal allowed
Special conditions By the decision of authorised body Hiba (gift) can be made

1.2 Investment deposits (Mudaraba)

Legal entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 1 000 000 KZT/3 000 USD/3 000 EUR 300 000 KZT/1 000 USD/1 000 EUR
Maximum deposit amount not limited
Tenor of deposit 6/12/18/24/36 months
Rate of return depends on the amount and tenor of deposit
Periodicity of profit payment on expiry date
Additional contributions not allowed
Partial withdrawal not allowed
Special conditions early deposit withdrawal is not allowed

Note 1: Deposit terms may be changed individually by the decision of the authorized body.

Note 2: Rate of return on the deposit means a share of profit generated by the Bank as a result of investing deposited funds in Sharia compliant projects financed to be paid to the depositor. Rate of return depends on the amount and tenor of the deposit.

Type and deposit amount Tenor of the Deposit (client/bank)
Legal entities individuals 6 mon. 12 mon. 18 mon. 24 mon. 36 mon.
from 1 000 000 to/3 000 USD/3 000 EUR (inclusively)
from 30 000 000 to/100 000 USD/ 100 000 EUR
from 300 000 to/1 000 USD/1 000 EUR (inclusive)
from 10 000 000 tenge/30 000 USD/30 000 EUR
50/50 55/45 60/40 65/35 70/30
over 30 000 000 tenge/100 000 USD/100 000 EUR (inclusively) over 10 000 000 tenge/30 000 USD/30 000 EUR (inclusively) 55/45 60/40 65/35 70/30 75/25

1.3 Investment deposits (Wakala)

Legal Entities Individuals
Currency of deposit KZT (tenge), USD (US dollars), EUR (euro)
Minimum deposit amount 3 000 000 KZT/10 000 USD/10 000 EURO 1 000 000 KZT/3 000 USD/ 3 000 EURO
Maximum deposit amount not limited
Tenor of deposit 6 or 12 months
Agent commission 0,5% for 6 months tenor
1% for 12 months tenor
Expected profit depends on currency and tenor of deposit
Periodicity of profit payment on expiry date
Additional contributions not allowed
Partial withdrawal not allowed
Special conditions early deposit withdrawal is not allowed

Note 1: Deposit terms may be changed individually by the decision of the authorized body

Note 2: rate of return on the deposit means a share of profit generated by the Bank as a result of investing deposited funds in Sharia compliant projects financed to be paid to the depositor. Rate of return depends on the currency and tenor of the deposit.

Tenor of deposit Expected profit
In Tenge In foreign currency
6 months 12% 3%
12 months 13% 4%