Almaty 2019 Kazakhstan Ijara Company JSC further KIC

Almaty 2019

Kazakhstan Ijara Company JSC (further – KIC Leasing) ü KIC leasing is the first leasing Company providing Islamic finance in Kazakhstan; ü KIC performs its activities in compliance with laws of Republic of Kazakhstan and under Islamic (Sharia) Principles; ü Started operation in January 2014; ü Head office in Almaty; ü As of 31. 12. 2018 KIC leasing Charter capital equals KZT 4, 2 bln.

KIC Leasing Ø Ø Ø Ø Mission to increase awareness and presence of Islamic financial products in Republic of Kazakhstan; by doing so to meet the needs of customers with leasing product in order to boost their business. Vision to become the leading private leasing company in Kazakhstan, where all activity will be Sharia compliant; to become reliable partner, which provides Islamic financing for the business development. Strategy to be always in touch when there is a need for leasing transaction; using most efficient operational way to reduce bureaucracy without ruling our risk factors; beside direct contact with experienced human sources, efficient use of technology is applied.

Shareholders structure and information KIC Leasing has diverse group of international and local investors. Islamic Corporation for Private Sector (ICD) – 36% Development of ICD is a multilateral organization with authorized capital in the amount of $2. 0 billion. Its shareholders consist of the Islamic Development Bank, 51 member countries, and five public financial institutions. ICD is the main sponsor of Islamic leasing companies currently operating in 10 different countries and expected to be opened in total in 25 countries before 2018. Aktif Yatirim Bankasi AS (Turkey) – 14% Aktif Bank is the largest investment bank of Turkey. The Bank operates in retail banking, investment banking and regional banking areas. The bank has very innovative approach to retail business and new generation products, therefore was awarded by many international business clubs. Kolon World Investment Co. Limited (Hong Kong) – 11% Kolon is one of the biggest conglomerate in South Korea being pioneer business group especially in textile and chemical industry. Over the years, Kolon has diversified its specialty in different area of industry such as chemicals, construction, and others that have led the rapid growth and contributed to development of the Korean economy. Zaman Leasing (Republic of Kazakhstan) – 18% Zaman Leasing LLP is presented in the Kazakhstani leasing sector from 2011. Company is focused on leasing financing of Corporate and SME sectors. Company is partner of ICD in many Leasing Companies established in post-soviet countries. Al Hilal Leasing (Republic of Kazakhstan) – 14% Al Hilal Leasing is a company established by UAE investors. Company is focused on leasing financing of Corporate and SME sectors, based on the Sharia Principles. Eurasia Group AG (Switzerland) – 7% Eurasia Group AG is the National Distributor of John Deere in Kazakhstan and Kyrgyzstan. John Deere is one of the largest manufacturers of agricultural machinery in the world.

KIC Leasing Introduction Main products: • Financial leasing (Ijara Muntahia Bitamleek) • Instalment sales (Murabaha) Assets subject to the Leasing: Main Market Segmentation: Commercial Real Estate Machinery and equipment Transportation vehicles Heavy machinery Agricultural machinery Industrial equipment Medical devices • Transportation • Manufacturing • Hospitals & medical centers • Construction • Road construction • Food industry & storage • Commercial property • Mining • Agriculture

Assets subject to the Leasing: Commercial real estate: ready to use business center, office, trade /production/storage premises Heavy Machinery: mining/construction machinery, road construction equipment Production equipment: production line, crushing and screening plant, concrete mixers, cement silos Transportation equipment: trucks, trailers, busses, minibuses, commercial vehicles, company corporate cars Medical equipment: MRT devices, computer tomography and other Industrial equipment: forklifts, High-rise electric stackers, richtracks, mani scopic-telescopic handler, Manitou-forklift trucks Agricultural equipment: combine harvesters, tractors Power systems: diesel and electric air compressors, diesel power plants, heating, ventilation and air conditioning Other: peripheral equipment, kitchen equipment, furniture

KIC Leasing Target Clients Ø Legal entities & individual entrepreneurs Ø Companies that are not start-up (should have 2 years track records)* Ø Companies with good business background and market stance with a good reputation Ø Companies having good financial reports and positive cash generation Ø KIC do not provide leasing services to the legal entities and individual entrepreneurs, that have activity in gambling, production or trade facility in alcohol and tobacco. *Companies with less than 2 years track records can be assessed on case basis.

KIC Leasing Conditions ü Maturity: 37+ months; ü Advance payment by client: min 20%; ü KIC profit margin: individually ü Processing fee: 1% from lease amount; ü Full coverage of insurance of the leased asset over the leasing term; ü Installation of GPS equipment with a vehicle controlling, monitoring and tracking system with the right to provide KIC the function of distance engine stop; ü Leasing amount from 50, 000 USD to 1, 600, 000 USD (*) Upper limit can be increased depending on the project and customer financial position

KIC Leasing Instalment sales ü Maturity: from 6 to 18 months; ü Advance payment by client: min 20%; ü KIC profit margin: individually ü Processing fee: 1% from lease amount; ü Full coverage of insurance of the leased asset over the leasing term; ü Installation of GPS equipment with a vehicle controlling, monitoring and tracking system with the right to provide KIC the function of distance engine stop; ü Leasing amount from 50, 000 USD to 1, 600, 000 USD (*) Upper limit can be increased depending on the project and customer financial position

KIC Leasing Benefits Ø KIC Leasing works only under Sharia principles Ø KIC Leasing has diverse group of international and local investors Ø Servicing you based on the principals of being trustworthiness and transparency Ø Lessee saves its working capital Ø Flexible repayment schedule Ø In a standard transaction no additional collateral required Ø Behaving you as a solution partner Vendors Ø We closely work with all VENDORS as a solution provider, which helps to make fast decision and eased steps over the leasing transactions

Guidance Step 1 Choose asset and vendor. Step 2 Approach to KIC by Phone or via WEB Site www. kic. kz and negotiate with KIC about terms and conditions of leasing facilities. Step 3 Provide necessary documents for analysis. Step 4 Upon receipt of approval of leasing facility, the execution of leasing transaction (purchase, registration, insurance) will be proceeded.

KIC Financial Leasing process ü Lessee pays to KIC the Security Deposit (advance payment) and processing fee by Intent Notice Agreement; ü KIC Leasing makes a payment to the Vendor by signing a Sales & Purchase agreement; ü Vendor transfers the asset to KIC by Act of acceptance; ü KIC as the owner registers the asset in relevant authorities and then insure it; ü KIC provides the asset to the lessee by Ijara (Leasing) Agreement, also signs Service Agency and Purchase Undertaken Agreements.

Contact us RC Maxima Contact details: 51/78, Kabanbay Batyr str. , Marketing; Gulali Zubanov Head of Marketing tel: +7 727 228 18 18, ext 140 e-mail: gulali@kic. kz 1 st floor, office 63, Almaty, Kazakhstan tel. /fax: +7 727 228 18 18 Send request to marketing@kic. kz Serzhan Kapanov tel: +7 727 228 18 18, ext 142 e-mail: serzhan@kic. kz Rano Barayeva (North region –Astana city) tel: +7 (701) 208 07 71 e-mail: rano@kic. kz Ainash Nurymbetova tel: +7 727 228 18 18, ext 141 e-mail: ainash@kic. kz Adil Serikbayev (Western region –Atyrau city) tel: +7 (701) 888 38 38 e-mail: adil@kic. kz