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.

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.

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.