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This application does not constitute the offer/acceptance of the Customer/Bank. The Customer has to read Terms and conditions on opening deposit and applicable ratios of deposits.

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Individual Customers

Mudaraba deposit is a safe and suitable investment

How Mudaraba deposit works:

  • The Customer entrusts the Bank with the management of its funds;
  • The Bank using its knowledge and experience  invests in carefully selected projects;
  • The profit is distributed between the Customer and the Bank.

Advantages of Mudaraba deposit:

  • Reliability confirmed/(proved) by high investment-grade credit ratings of the Group*;
  • High profitability;
  • Investments in projects that comply with the rules and principles of Sharia;
  • The Gold debit card on special terms with free issuance and maintenance**.

Terms and conditions of the Mudaraba deposit:

  • Currency: tenge or US dollars;
  • The minimum amount: KZT 150,000 or USD 500;
  • Terms of placement: 1, 3, 6, 12, 24 months;
  • Profit payment: on a monthly basis***;
  • Additional top-up to the deposit: not permitted;
  • Partial withdrawal: not permitted.

The applicable ratio for the relevant deposit amount and profit distribution between the Bank and the Customer effective from November 1, 2020:

Currency Proportion Terms (months)
1 3 6 12 24
KZT Customer
Bank
25% 
 75%
27%  
73%
30%
70%
55% 
45%
 60% 
40%
USD Customer
Bank
10% 
90%
15%
85%
20% 
80%
40% 
60%
42% 
58%

*High investment-grade credit rating of ADCB PJSC​: A + from Fitch Ratings and A from Standard and Poor's
**Special card tariffs for depositors
*
**As per term and condition of the Mudaraba agreement 

You can find the historical profit rate on Mudaraba deposit in the Documents section.

For opening a Mudaraba deposit please visit a branch location of the Bank in Almaty, Nur-Sultan and Shymkent with an identity card.

For further details on the terms and conditions applicable to the Mudaraba deposit kindly refer to the Agreement, visit a branch location or contact the Contact center of the Bank.

 

Documents

.pdf

Historical annual profit rate on Mudaraba deposit

Download
.pdf

Mudaraba deposit agreement for individuals

Download
.pdf

Shariah Compliance Certificate for Mudaraba Deposit

Download