Interest Rates

KZT

Term	Deposit Amount	Reward Rates	APY
1 - 2 days		0	0
from 3 to 10 days inclusive	up to 100 million	16	17,3
from 3 to 10 days inclusive	100 million and more	17	18,5
from 11 to 19 days inclusive	up to 100 million	16	17,3
from 11 to 19 days inclusive	100 million and more	17	18,5
20, 21 days	up to 100 million	16	17,3
20, 21 days	100 million and more	17	18,5
22 - 28 days	up to 100 million	16	17,3
22 - 28 days	100 million and more	17	18,5

USD

Term	Deposit Amount	Reward Rates	APY
1 - 2 days		0	0
from 3 to 10 days inclusive	from 3,000	0	0
from 11 to 19 days inclusive	from 3,000	0	0
20, 21 days	from 3,000	0	0
22 - 28 days	from 3,000	0	0

EUR

Term	Deposit Amount	Reward Rates	APY
1 - 2 days		0	0
from 3 to 10 days inclusive	from 3,000	0	0
from 11 to 19 days inclusive	from 3,000	0	0
20, 21 days	from 3,000	0	0
22 - 28 days	from 3,000	0	0

RUB

Term	Deposit Amount	Reward Rates	APY
1 - 2 days		0	0
from 3 to 10 days inclusive	from 1,000,000	0	0
from 11 to 19 days inclusive	from 1,000,000	0.5	0.5
20, 21 days	from 1,000,000	1	1
22 - 28 days	from 1,000,000	2	2

Appendix No.1 to the Protocol Asset and Liability Management Committee No.126-1 dated 19.11.2025 Rates are valid from 21.11.2025 to 04.12.2025 (inclusive)

Reward rates for early withdrawal of deposit - 0%

Interest Rates

KZT

Minimum Amount / Term in Months	3-12	18	24	36
Nominal Rates
30 mln	13.5	8.5	8	7
50 mln	13.5	8.7	8.5	7.5
100 mln	13.5	9	9	8
Annual Effective Rates
30 mln	14.4	8.8	8.3	7.2
50 mln	14.4	9.1	8.8	7.8
100 mln	14.4	9.4	9.4	8.3

USD

Minimum Amount / Term in Months	7-11	12	18-36
Nominal Rates
150,000	0	1	0.3
300,000	0	1	0.4
750,000	0	1	0.5
Annual Effective Rates
150,000	0	1	0.3
300,000	0	1	0.4
750,000	0	1	0.5

EUR

Minimum Amount / Term in Months	7-9	10-12	18-36
Nominal Rates
30 mln	0	0	0
50 mln	0	0	0
100 mln	0	0	0
Annual Effective Rates
30 mln	0	0	0
50 mln	0	0	0
100 mln	0	0	0

Interest Rates

KZT

Minimum Amount / Term in Months	3-6	7-11	12	18	24
Annual Reward Rate
500 000	12	11.75	12.75	11.75	7
1 million	12.5	12.25	13	12	7.25
10 million	13	13	13.25	12	7.5
30 million	13.5	13.5	13.5	12.5	8
Effective Annual Rate (EAR)
500 000	12.7	12.4	13.5	12.4	7.2
1 million	13.2	13	13.8	12.7	7.5
10 million	13.8	13.8	14.1	12.7	7.8
30 million	14.4	14.4	14.4	13.2	8.3

USD

Minimum Amount / Term in Months	3	4-6	7-9	10-12	18-24
Annual Reward Rate
1,000	0.7	0.75	0.8	0.85	0.15
1,500	0.75	0.8	0.85	0.9	0.2
30,000	0.8	0.85	0.9	0.95	0.25
90,000	0.85	0.9	0.95	1	0.3
Effective Annual Rate (EAR)
1,000	0.7	0.75	0.8	0.85	0.15
1,500	0.75	0.8	0.85	0.9	0.2
30,000	0.8	0.85	0.9	0.95	0.25
90,000	0.85	0.9	0.95	1	0.3

EUR

Minimum Amount / Term in Months	6	7-9	10-12	15	18	24
Annual Reward Rate
1,000	0	0	0	0	0	0
1,500	0	0	0	0	0	0
30,000	0	0	0	0	0	0
90,000	0	0	0	0	0	0
Effective Annual Rate (EAR)
1,000	0	0	0	0	0	0
1,500	0	0	0	0	0	0
30,000	0	0	0	0	0	0
90,000	0	0	0	0	0	0

Interest Rates

KZT

Minimum Amount / Term in Months	1-2	3	4-12	15	18	24	36
Nominal Rates
200,000	0	13	13	12.5	12.5	8	7
15 million	13.5	14.5	13.5	13	13	9	8
100 million	14	15	14	13.5	13.5	10	9
Effective Annual Rate
200,000	0	13.8	13.8	13.2	13.2	8.3	7.2
15 million	14.4	15.5	14.4	13.8	13.8	9.4	8.3
100 million	14.9	16.1	14.9	14.4	14.4	10.5	9.4

USD

Minimum Amount / Term in Months	6-11	12	15-36
Nominal Rates
2,000	0	1.1	0.5
150,000	0	1.15	0.6
700,000	0	1.2	0.7
Effective Annual Rate
2,000	0	1.1	0.5
150,000	0	1.15	0.6
700,000	0	1.2	0.7

EUR

Minimum Amount / Term in Months	7-11	12	15-36
Nominal Rates
200,000	0	0	0
15 million	0	0	0
100 million	0	0	0
Effective Annual Rate
200,000	0	0	0
15 million	0	0	0
100 million	0	0	0

Appendix No. 1 to the Protocol KUAP No. 78-1 dated 07.06.2024. Rates are effective from 10.06.2024.

Interest Rates

KZT

Minimum Amount / Term in months	3	4-6	7-11	12	15	18	24	36
Nominal Rates
200,000	13.25	12.25	12.5	12	9	8.5	8	7
15 million	14	13.25	13	13	9.8	9	8.5	7.5
100 million	14.5	13.75	13.5	13.5	10.3	9.5	9	8
APY
200,000	13.9	13	13.2	12.7	9.4	8.8	8.3	7.2
15 million	14.95	14.1	13.8	13.8	10.3	9.4	8.8	7.8
100 million	15.52	14.7	14.4	14.4	10.8	9.9	9.4	8.3

USD

Minimum Amount / Term in months	7-11	12	15-36
Nominal Rates
2,000	0	1.1	0.4
150,000	0	1.15	0.5
700,000	0	1.2	0.6
APY
2,000	0	1.1	0.4
150,000	0	1.15	0.5
700,000	0	1.2	0.6

EUR

Minimum Amount / Term in months	7-11	12	15-36
Nominal Rates
200,000	0	0	0
15 million	0	0	0
100 million	0	0	0
APY
200,000	0	0	0
15 million	0	0	0
100 million	0	0	0

Appendix No. 1 to CUAP Protocol No. 78-1 dated 07.06.2024. Rates are effective from 10.06.2024.

Call Centre

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Phone: +7 727 357 41 92
Working hours: Mon–Fri 10:00–18:00
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