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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% |
