Accumulative Deposit

Deposit period: from 30 to 732 days*;
Currency: KZT, USD, EUR, RUB;
Minimum deposit amount: from KZT 5 mln, USD 27,000, EUR 20,000, RUB 1 mln;
Maximum deposit amount: up to 100 bln/equivalent in other currency; up to 20 mln. US dollars; up to 5 mln euro;
Payment of interest: monthly/quarterly;
Additional contributions: yes;
Additional contribution amount: without restrictions;
Partial withdrawals: no;
Premature withdrawal: according to effective rates for premature withdrawal;
Extension: yes;
If under the laws of the Republic of Kazakhstan the depositor is the payer of the income tax, the Bank, when paying the interest to the Depositor, withholds income tax at source of payment in accordance with the legislation of the Republic of Kazakhstan and with the purpose of further transfer to the budget.

Interest rates on deposits of legal entities through Sberbank Business Online service

Accumulative E-Deposit
Currency	KZT				USD				EUR				RUB
Term per days	from 5 mln to 50 mln	from 50 mln to 100 mln	from 100 to 1 000 mln	from 1 000 mln	from 27 ths to 270 ths	from 270 ths to 550 ths	from 550 ths to 5 500 ths	from 5 500 ths	from 20 ths to 200 ths	from 200 ths to 400 ths	from 400 ths to 4 000 ths	from 4 000 ths	from 1 mln to 10 mln	from 10 mln to 20 mln	from 20 mln to 200 mln	from 200 mln
30-90	5,30%	5,50%	5,90%	6,50%	0,22%	0,25%	0,30%	0,35%	0,00%				3,00%	3,20%	3,40%	3,50%
91-120	5,50%	6,00%	6,50%	7,00%	0,25%	0,30%	0,40%	0,50%					3,40%	3,80%	4,10%	5,00%
121-150	6,00%	6,50%	6,70%	7,00%	0,30%	0,35%	0,45%	0,50%					4,00%	4,10%	4,20%	5,00%
151-180	6,50%	6,70%	6,80%	7,00%	0,37%	0,45%	0,47%	0,50%					4,20%	4,30%	4,50%	5,00%
181-270	7,00%	7,50%	7,60%	7,75%	0,50%	0,54%	0,58%	0,60%					4,50%	4,60%	4,70%	5,00%
271-365	7,50%	7,80%	8,00%	8,50%	0,70%	0,85%	0,95%	1,35%					4,60%	4,70%	5,10%	5,20%
366-732	8,00%	8,50%	8,90%	9,50%	0,95%	1,05%	1,15%	1,35%					5,10%	5,20%	5,30%	5,50%

Interest rates on deposits of legal entities

Accumulative
Currency	KZT				USD				EUR				RUB
Term per days	from 5 mln to 50 mln	from 50 mln to 100 mln	from 100 to 1 000 mln	from 1 000 mln	from 27 ths to 270 ths	from 270 ths to 550 ths	from 550 ths to 5 500 ths	from 5 500 ths	from 20 ths to 200 ths	from 200 ths to 400 ths	from 400 ths to 4 000 ths	from 4 000 ths	from 1 mln to 10 mln	from 10 mln to 20 mln	from 20 mln to 200 mln	from 200 mln
30-90	4,80%	5,00%	5,40%	6,00%	0,12%	0,15%	0,20%	0,25%	0,00%				1,00%	1,20%	1,50%	1,73%
91-120	5,00%	5,50%	6,00%	6,50%	0,15%	0,20%	0,30%	0,40%					1,40%	1,60%	2,20%	2,80%
121-150	5,50%	6,00%	6,20%	6,50%	0,20%	0,25%	0,35%	0,40%					2,10%	2,30%	2,50%	2,80%
151-180	6,00%	6,20%	6,30%	6,50%	0,27%	0,35%	0,37%	0,40%					2,40%	2,60%	2,70%	2,80%
181-270	6,50%	7,00%	7,10%	7,25%	0,40%	0,44%	0,48%	0,50%					2,60%	2,70%	2,80%	2,86%
271-365	7,00%	7,30%	7,50%	8,00%	0,60%	0,75%	0,85%	1,25%					2,80%	3,00%	3,50%	3,93%
366-732	7,50%	8,00%	8,40%	9,00%	0,85%	0,95%	1,05%	1,25%					4,00%	4,50%	4,90%	5,35%

Interest rates on deposits of individual entrepreneurs

Accumulative
Currency	KZT				USD				EUR				RUB
Term per days	from 5 mln to 50 mln	from 50 mln to 100 mln	from 100 to 1 000 mln	from 1 000 mln	from 27 ths to 270 ths	from 270 ths to 550 ths	from 550 ths to 5 500 ths	from 5 500 ths	from 20 ths to 200 ths	from 200 ths to 400 ths	from 400 ths to 4 000 ths	from 4 000 ths	from 1 mln to 10 mln	from 10 mln to 20 mln	from 20 mln to 200 mln	from 200 mln
30-90	4,80%	5,00%	5,40%	6,00%	0,12%	0,15%	0,20%	0,25%	0,00%				0,10%	0,15%	0,20%	0,30%
91-120	5,00%	5,50%	6,00%	6,50%	0,15%	0,20%	0,30%	0,40%					0,30%	0,40%	0,50%	0,60%
121-150	5,50%	6,00%	6,20%	6,50%	0,20%	0,25%	0,35%	0,40%					0,60%	0,70%	0,70%	0,70%
151-180	6,00%	6,20%	6,30%	6,50%	0,27%	0,35%	0,37%	0,40%					0,70%	0,70%	0,80%	0,80%
181-270	6,50%	7,00%	7,10%	7,25%	0,40%	0,44%	0,48%	0,50%					0,80%	0,80%	0,90%	0,90%
271-365	7,00%	7,30%	7,50%	8,00%	0,60%	0,75%	0,85%	1,25%					0,90%	0,90%	0,90%	0,90%
366-732	7,50%	8,00%	8,40%	9,00%	0,85%	0,95%	1,05%	1,25%					0,90%	0,90%	0,90%	0,90%

Interest rates at early deposit withdrawal

Interest rates (% per annum) at early deposit withdrawal depending on actual period of placing money on deposit.

Currency	Term per days
Currency	Up to 90 days inclusive	From 91 to 180 days inclusive	From181 to 365 days inclusive	From 366 days and more
KZT	0,00%	0,10%	1,00%	2,00%
USD	0,00%	0,00%	0,00%	0,00%
EUR	0,00%	0,00%	0,00%	0,00%
RUB	0,00%	0,05%	0,50%	1,00%

*Ground: Decision of Asset and Liability Management Committee of SB Sberbank JSC №29 §9a dated August 03, 2017

Basic interest rates on deposits

Deposit currency	Basic interest rate, % per annum
KZT	0,25%
USD	0,00%
EUR	0,00%
RUB	0,10%

*Ground: Decision of Asset and Liability Management Committee of SB Sberbank JSC №29 §10a dated August 03, 2017

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