Ordinary shares issued by "International Bank of Azerbaijan" OJSC (hereinafter ABB or the Bank). The person who acquires these shares becomes a shareholder of ABBR and, as a shareholder, has the right to receive dividends from the Bank's annual net profit, participate in general meetings of shareholders and vote on important issues put on the agenda at those meetings.

A dividend is the money that a joint-stock company pays to its shareholders from the net profit it earns. The amount of the dividend depends on the net profit of the joint-stock company and the decision of the shareholders to issue the dividend. The more a joint-stock company earns net profit, the more it has the opportunity to pay dividends to its shareholders. Shareholders of a joint-stock company may decide to pay a part (for example, 10%, 20%, 50% or another part) or all of the net profit earned during the year in the form of dividends. These decisions are adopted by the majority of the shareholders participating in the general meeting of shareholders.

ABB has resumed dividend payment to its shareholders since 2019. The Bank paid 125 million AZN in 2022, 156 million 600 thousand AZN in 2023, and 185 million AZN in 2024. The dividend per share is 2.8 gapik (gapik=0.01 AZN) in 2022, 3.4 gapik in 2023, and 4.1 gapik in 2024.

Not for individuals. Individuals are exempted from tax on the dividends paid on the shares of joint stock companies listed on the stock exchange (ABB is one of them) until February 1, 2028.

Any individual or legal entity can purchase ABB shares.

The easiest way to purchase ABB shares is to download the “ABB Mobile” application and place a purchase order by registering fully electronically in the "Investment" section of the application. Alternatively, the person who wants to buy the shares can visit any branch of ABB and submit his hardcopy order. Another method is to submit order directly through ABB-Invest Investment Company CJSC or another investment company operating in the country.

Subscription is the process of submitting orders to buy ABB shares offered for sale through public issuance. The subscription period started on June 11, 2024 and will last for 3 months. After the end of the subscription period, the allocation of shares to orders collected during the subscription period will begin.

The offering price starts at 0.27 AZN per share. During the subscription period, investors can submit their orders at 0.27 AZN or higher. The higher the price, the more likely the order will be filled. If the volume of orders collected during the subscription period exceeds the volume of shares offered for sale (322,000,000 shares), then the orders submitted at a higher price will be filled first place (have priority in filing).

Yes. After the end of the placement period, the acquired shares can be sold both in electronic form through ABB mobile, and in hardcopy form by placing an order with ABB-Invest Investment Company CJSC or another investment company providing investment services for investors.

No. Orders placed before the end of the subscription period cannot be canceled.

No. But additional order can be placed.

Yes. An investor can order a minimum of 100 and a maximum of 400,000 ABB shares. This limitation does not apply to orders placed with the preemptive right. However, the restriction applies to the amount of shares requested for purchase in excess of preemptive right quota.

Shareholders who received a letter from ABB with notification about execution of preemptive rights and who informed ABB about their intention to execute their preemptive rights to buy shares offered for public sale.

They can buy at any price, but not lower than 27 gapiks per share. Regardless of the price of the order placed with the preemptive right, those orders will be filled in full.

The number of shares that can be purchased with the preemptive right is calculated on the basis of shareholders’s share in the charter capital of the Bank.

Example:

Ahmadov Mammad Vagif has 650,000 shares of ABB. Number of shares outstanding is 4,539, 436,367. Thus, Ahmadov Mammad Vagif owns 0.0143% of the number of shares outstanding (650,000 / 4,539, 436,367 = 0.0143%) and as a result his share in the charter capital of the Bank is 0.0143%. The number of newly issued ABB shares is 322,000,000. Thus, Ahmadov Mammad Vagif can buy 46,046 (0.0143%*322,000,000 = 46,046) shares with preemptive rights. If Ahmedov Mammad Vagif places an order for the purchase of 60,000 ABB shares during the subscription period, he will unconditionally receive 46,046 shares. The remaining 13,954 shares in his order will be filled if the bid price is high enough for the remaining part of the order to be filled.

Yes. An investor can place any number of orders specifying different quantities and prices. However, an investor can order a minimum of 100 and a maximum of 400,000 shares (400,000 shares does not apply to preemptive right quota).

Approximately 10 days. Placement dates will be announced after subscription closes. After the end of the placement date, information about order execution status will be provided.

If the order is not executed, the amount paid for the order will be returned to the investor's bank account opened at ABB.

After the subscription period ends, all orders collected during the subscription period will be filled in the following order:

1) First of all, the orders placed by the shareholders with the preemptive right will be filled;

2) All outstanding orders, including orders placed in excess of the preemptive right quota, will be ranked by price from highest to lowest, and orders placed at a higher price will be executed in the first place;

3) If the volume of collected orders exceeds the number of shares offered (322,000,000 shares), the orders with equal bid prices will be executed in a pro rata basis according to the number of shares placed in the order.