ForteBank received the award as the Best Bank in Kazakhstan according to a authoritative international magazine Euromoney. **Guram Andronikashvili, a Chairman of the Board of ForteBank**, commented on receiving of the award: *“On behalf of ForteBank, I would like to express my gratitude to Euromoney jury for a high assessment of our work. This award confirms that despite the challenging times caused by the pandemic, our Bank has chosen the right strategy that allows us to grow and offer our clients high quality services and products. I am grateful to every Forte client for their trust and loyalty to the Bank, as well as to every Forte employee for hard work and contribution to the Bank's development."* As **the editor of Euromoney magazine Lucy Fitzgeorge-Parker** notes, *“Prudent management and fast-paced innovation helped ForteBank consolidate its position as a rising star in Kazakhstan’s competitive banking market last year and make the number four lender a worthy winner of the award for best bank in Kazakhstan. Impressive returns were balanced by solid fundamentals, while the launch of a suite of ecosystem products put down a marker for future growth”.* The **Euromoney** Award are given to the leaders in banking, finance and investment in 100 countries around the world since 1992 and is considered one of the most prestigious in the international financial world. Euromoney pays special attention to maintaining high standards of impartiality, fairness and accuracy in determining the winners. Editors, experts and analysts carefully examine the activities of each candidate bank, conduct their own market soundings with international correspondent banks, pick up brain of prominent financiers and bankers. The decision-making process usually takes two months. *According to Euromoney magazine editor Lucy Fitzgeorge-Parker: “Banks awarded by Euromoney as part of the Awards for Excellence have a reputation of strong financial institutions, despite all the objective difficulties of doing banking in the modern world. They provide first-class financial services and are trusted by clients. Last year we received almost 1,000 submissions from banks in our regional and country awards programme that covers more than 50 regional awards and best bank awards in close to 100 countries.”* *ForteBank is one of the most stable, liquid and well-capitalized banks in the country. Over the past 12 months, ForteBank was recognized as the "Best Bank of Kazakhstan" for the second time according to Asiamoney, for the third time it was recognized as "Bank of the Year in Kazakhstan" according to The Banker magazine, and for the fourth year in a row, "The Best Bank of Kazakhstan" according to the magazine Global Finance.*

Press Release Nur-Sultan July 30, 2021 Guram Andronikashvili to retire as ForteBank Chairman of the Management Board Fortebank announced today that its current Chairman of the Management Board, Guram Andronikashvili is retiring from his post, and will continue in a new role as member of the Supervisory Board from August 1, 2021. Deputy Chairman of the Management Board, Sholpan Nurumbet, is appointed as acting Chairman of the Management Board as of that date. “I would like to thank Guram for his work over the last several years. Under his leadership Fortebank demonstrated stable asset growth combined with excellent financial performance, continually growing its client base and improving customer service and product offering. Significant progress was made in digitalisation of the bank and transformation of internal corporate culture. I am confident that this has laid an excellent foundation for further success of Forte”, commented Bulat Utemuratov, majority shareholder of ForteBank. Guram Andronikashvili was appointed as the Chairman of the Management Board of ForteBank in February 2018. During his management term For the bank demonstrated stable asset growth with continuous improvement of capitalisation and liquidity metrics. Over the last three years net income of the bank increased 2.7 times, from 20 bn tenge in 2017 to 53 bn tenge (c. US$130mm) in 2020, with return on equity improving from 10.2% to 21.2%. Continuous improvement in profitability coupled with conservative growth of loan portfolio and focused risk management culture allowed the bank to maintain high level of stability, which was noted by all three rating agencies. As a part of strategic development under management of Guram Andronikashvili, bank underwent internal digital transformation and a number of new ecosystem products were launched (ForteMarket – digital marketplace, ForteMobile – mobile service package, ForteForex – p2p foreign exchange). Just in 2020 number of retail clients using ForteApp increased by 38.3% and number of corposate clients using Forte internet banking increased by 35.8%. “I would like to express my gratitude to the shareholder of the bank, Mr Bulat Utemuratov, for his trust, guidance and support over the period of last 11 years during which I have worked for Forte. I am sure that going forward I will be able to continue supporting the bank, but in a new role as a member of the supervisory board. I would also like to thank all my colleagues for their exceptional dedication in shaping Forte. Together, we have successfully transformed Forte from a small bank that was one of the smallest in the country in 2010 to one of the leading universal banks and a growing ecosystem in Kazakhstan. Over the last several years we have proven our financial strength by comfortably passing the Asset Quality Review (AQR) and regulatory stress tests, operated effectively during the Covid-19 pandemic and at the same time delivered record financial and operational performance. As a part of the implementation of our strategy, Forte made huge steps in working out our historical heritage loan portfolios from Alliance and Temir banks, completely upgraded our IT architecture and infrastructure and created new data gathering and analytical platform - Forte DataLake, built out significant digital capabilities and developed our own app for individual clients and legal entities (to be released in the nearest future). All this allowed us to offer quality new products and services to our clients, including beyond banking ecosystem products, the number of which is growing from year to year, and to create a high-quality platform for the further development of Forte,” commented Guram Andronikashvili, Chairman of the Management Board of ForteBank.

Nur-Sultan city, July 30th, 2021 – ForteBank Joint Stock Company located at the address: 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan (hereinafter referred to as the “Bank”), hereby reports the changes in the membership of the Management Board of the Bank. According to the resolution of the Board of Directors of the Bank (dated June 29th, 2021, minutes № 20), the powers of Mr. Guram Andronikashvili as the Chairman of the Management Board of the Bank shall be terminated on July 30th, 2021, due to him being elected as a member of the Board of Directors of the Bank and a representative of the interests of Mr. Bulat Utemuratov, the stockholder of the Bank. Effective from August 2nd, 2021, the Board of Directors of the Bank appoints Mrs. Sholpan Nurumbet, who has previously held the position of the Deputy Chairwoman of the Management Board of the Bank, as the Acting Chairwoman of the Management Board of the Bank.

PRESS RELEASE CHANGE IN THE BOARD OF DIRECTORS OF FORTEBANK JSC ForteBank JSC (location of the Management Board: 8/1, Dostyk str., Esil District, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan) (hereinafter referred to as “the Bank”) informs on changes in the composition of the Board of Directors of the Bank. In accordance with the resolution of the Extraordinary General Meeting of Shareholders of the Bank as of July 12, 2021 (minutes of the meeting no. 02/21), Guram Andronikashvili was elected a member of the Board of Directors of the Bank in the capacity of representative of the interests of Bulat Utemuratov, a shareholder of the Bank, as from August 2, 2021. Thus, starting with August 2, 2021, the composition of the Bank's Board of Directors will be as follows: - four representatives of the shareholder's interests: Marlen Mirzabekov, Anuar Utemuratov, Timur Issatayev, Guram Andronikashvili; - two independent directors: Hubert Pandza and Eldar Abdrazakov.

PRESS RELEASE **ON VOTING RESULTS AT THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS OF FORTEBANK JSC** ForteBank JSC (hereinafter – Bank), its executive body (Management Board) located at the address: 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby announces the voting results at the Extraordinary General Meeting of the Bank Shareholders (hereinafter the “Meeting”) held on July 12th, 2021 from 10.00 to 11.00 by Nur-Sultan standard time, at the following address: “Astana” Conference Room, 8th floor, 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan. In accordance with the approved agenda, the following issues were considered at the Meeting, and following resolutions were passed based on the voting results. **Issue 1 of the Agenda “On approval of the amendment №7** **to the Charter of ForteBank Joint Stock Company”** 1. To approve the amendment № 7 to the Charter of ForteBank Joint Stock Company as worded in the Addendum 1 hereto, effective on the date of this resolution. 2. To authorize Mr. G. Andronikashvili, the Chairman of the Management Board of the Bank (or the person carrying out his duties) to sign the amendment № 7 to the Charter of ForteBank Joint Stock Company for and n behalf of the shareholders and to perform other actions related to the implementation of the amendment № 7 to the Charter of ForteBank Joint Stock Company. **Issue 2 of the Agenda “On approval of the amendment №1** **to the Provision on the Board of Directors of ForteBank JSC”** To approve the amendment № 1 to the Provision on the Board of Directors of ForteBank JSC as worded in the Addendum 2 hereto, coming into effect on the date following the date of this resolution. **Issue 3 of the Agenda “On determining the level of the non-fixed remuneration of the members of the Board of Directors of ForteBank JSC for achievement of the strategic goals for 2014-2020 by the Bank”** 1. To determine the levels of the non-fixed remuneration for achievement of the strategic goals for 2014-2020 by the Bank for Mr. H. Pandza, a member of the Board of Directors – Independent Director of the Bank, and for Mr. Bekturov R., ex-member of the Board of Directors of the Bank, in accordance with the Addendum 3 hereto, taking into consideration the clause 2 hereof. 2. To pay Mr. H. Pandza, a member of the Board of Directors – Independent Director of the Bank, and Mr. Bekturov R., ex-member of the Board of Directors of the Bank, a part of the non-fixed remuneration (constant component), amounting 50% of the level of the non-fixed remuneration specified in the Addendum 3 hereto. **Issue 4 of the Agenda “On election of a member of the Board of Directors of the Bank”** 1. To elect, as from August 2nd, 2021, Mr. Guram Andronikashvili as a member of the Board of Directors of the Bank representing the interests of Bulat Utemuratov, a shareholder of the Bank. 2. To establish that the term of office of Mr. G. Andronikashvili as a member of the Board of Directors of the Bank shall expire simultaneously with the expiration of the terms of office of the Board of Directors of the Bank as a whole, that is, on the date of the Annual General Meeting of the Bank Shareholders in 2022. 3. To determine the amount of the monthly fixed remuneration of the member of the Board of Directors of the Bank Mr. Guram Andronikashvili, before taxes and other deductibles established by the law of the Republic of Kazakhstan, in accordance with the Addendum 4 hereto. 4. To establish that all other payments to the member of the Board of Directors of the Bank Mr. Guram Andronikashvili shall be made in the amount and in accordance with the procedure established by the Policy of remuneration of the members of the Board of Directors of ForteBank JSC and reimbursement of their expenses. *Total common voting shares of the Bank represented at the Meeting during the whole time thereof – 73 714 243 282 (98,7032 % of the total common voting shares).*

**PRESS RELEASE** **ON VOTING RESULTS OF THE ANNUAL GENERAL MEETING OF SHAREHOLDERS OF FORTEBANK JSC** ForteBank JSC (hereinafter – Bank), with its executive body (Management Board) located at the address: 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby announces the voting results at the Annual General Meeting of the Bank Shareholders (hereinafter the “Meeting”) held on March 29th, 2021 from 10.00 to 11.00 by Nur-Sultan standard time, at the following address: “Astana” Conference Room, 8th floor, 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan. In accordance with the approved agenda, the following issues were considered at the Meeting, and following resolutions were passed based on the voting results. **Issue 1 of the Agenda “On approval of the 2020 annual financial statements of the Bank”** To approve the attached audited annual financial statements of ForteBank JSC for the year ended on December 31, 2020. **Issue 2 of the Agenda “On approval of the order of distribution of the Bank’s 2020 net income, the amount of the dividend per one common share of the Bank”** 1. To approve the following treatment of a part of undistributed profit of ForteBank JSC for 2020: - the amount up to a maximum of KZT 52 961 700 000 (fifty-two billion nine hundred sixty-one million seven hundred thousand tenge) to be allocated for payment of dividends on common shares; - the amount of net income remaining after the payment of dividends to be retained at the disposal of the Bank. 2. To approve the dividend amount per one common share of ForteBank JSC in the amount of KZT 0,5951 (zero point fifty-nine fifty-one tiyn), including the amount of taxes payable in accordance with the legislation of the Republic of Kazakhstan. At the same time, the total amount of dividends to be paid to each shareholder must be determined with an accuracy to a whole tiyn (rounding shall be made according to the rules of mathematical rounding). For this purpose, the rule of mathematical rounding is understood to be the rounding method wherein the value of a whole tiyn (whole tiyns) does not change if the first digit that comes after the one being rounded is from 0 to 4, and changes, having been increased by one if the first digit that comes after the one being rounded is from 5 to 9. 3. To record the list of shareholders eligible to receive dividends as of 30 March 2021, 00:00 a.m. by Nur-Sultan standard time. 4. To determine the date of commencing of dividend payment on common shares of ForteBank JSC – starting from March 31, 2021. 5. Approve the payment procedure as a one-off payment. 6. To approve the form of payment of dividends on common shares of ForteBank JSC – in non-cash form to the banking details of shareholders in the system of the Bank shareholder registers. Banking details of the company: name ForteBank JSC, location: 8/1, Dostyk str., Nur-Sultan city, Republic of Kazakhstan, Z05P1P0 (010017), banking details: BIN 990740000683, BIC IRTYKZKA, Beneficiary Code 14, correspondent account KZ23125KZT1001300204 with the National Bank of the Republic of Kazakhstan Republican State Institution, BIC NBRKKZKX . **Issue 3 of the Agenda “On the Report of the Board of Directors of the Bank for the past financial year”** To approve the report of the Board of Directors of ForteBank JSC for the expired fiscal year. **Issue 4 of the Agenda “On the appeals of shareholders to the actions of the Bank and its officials, and the results of consideration thereof”** Take a note of the information of the Bank Management Board that in 2020, the Bank received 11 appeals from 9 of its shareholders regarding accrual and payment of dividends on the Bank shares, as well as the sale of the Bank shares held by its shareholders, in response to which the Bank had sent letters with appropriate explanations, and that there were no appeals of the shareholders to the actions of the Bank and its officers in 2020. **Issue 5 of the Agenda “On the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2020”** To take into consideration the attached information on the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2020. **Issue 6 of the Agenda “Determining the amount of remuneration of members of the Bank's Board of Directors”** 1. To determine the amount of remuneration of the members of the Board of Directors of the Bank in accordance with Appendix 1 to this resolution with the entry into force of present resolution from January 01, 2021. 2. Extend the effect of paragraph 1 of this resolution to relations that have arisen from January 01, 2021. **Issue 7 of the Agenda “On defining the membership, term of office and electing the members of the Counting commission of the bank”** 1. Determine that the term of office of the members of the Counting Commission of the Bank (the main and reserve members of the Counting Commission) expires at the time of the election of the new members of the Counting Commission of the Bank. 2. To elect as members of the Bank's Counting Commission: - the main team – Nazhmidenov B.A., Bolgauov A.T., Yeszhan A.M.; - reserve staff - Suleimenova S.S., Khazhiyev A.T., Naraliyeva A.T. *Total common voting shares of the Bank represented at the Meeting during the whole time thereof – 73,714,243,282 (98.7003 % of the total common voting shares).*

ForteBank JSC (hereinafter referred to as the “Bank”), the executive board (Management Board) located at the address: bldg. 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby notifies its shareholders on Annual General Meeting of shareholders of the Bank (hereinafter the “Meeting”) convened at the initiative of the Board of Directors of the Bank (Minutes of Meeting No. 3 dated February 4, 2021) on the basis of Article 35.1, Article 37.3.3 and Article 41 of the Law of the Republic of Kazakhstan“On Joint Stock Companies” (hereinafter the Law “On Joint Stock Companies”). The Meeting will be held on **March 29, 2021 at 10.00 a.m.** (Nur-Sultan time), at the following address: Conference Room “Astana”, 8th floor, bldg. 8/1, Dostyk str., Nur-Sultan city. The participants shall be registered on March 29, 2021 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. The register of the Bank shareholders eligible to participate at the Meeting will be compiled as at 00.00 a.m. (Nur-Sultan time) on March 15, 2021. In the absence of a quorum, the adjourned Annual General Meeting of the Bank shareholders will be held on March 30, 2021 at 10.00 a.m. (Nur-Sultan time) at the same address. The participants of the adjourned Annual General Meeting of the Bank shareholders will be registered on March 30, 2021 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. **Agenda of the Meeting** 1. On approval of the 2020 annual financial statements of the Bank. 2. On approval of the procedure for distribution of the Bank’s 2020 net income, the amount of the dividend per common share of the Bank. 3. On the Report of the Board of Directors of the Bank for the past financial year. 4. On the appeals of shareholders to the actions of the Bank and its officials, and the results of consideration thereof. 5. On the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2020. 6. On determining the amount of remuneration of the members of the Board of Directors of the Bank. 7. On membership and the term of office of the Board of Directors. 8. On election of a member of the Board of Directors – an independent director of the Bank, the term of office and the level of remuneration thereof. 9. On defining the membership, term of office and electing the members of the Tally Commission of the Bank. In accordance with part two of Article 43.4.1 of the Law “On Joint Stock Companies”, the agenda of the meeting may be supplemented by a shareholder owning, independently or together with other shareholders, five or more percent of the voting shares of the Bank, or by the Board of Directors, provided that shareholders of the Bank have been notified of such amendments not later than 15 days prior to the date of the meeting. Pursuant to Article 44.4 of the Law “On Joint Stock Companies”, the materials on issues of the agenda of the meeting shall have been prepared and available for familiarization of shareholders not later than 10 days prior to the date of the meeting at the location of the Management Board of the Bank. Upon request of a shareholder of the Bank, the materials on issues of the agenda of the meeting shall be sent thereto within three business days from the day of receipt the request receipt, provided that the costs for making copies of documents and delivery of documents shall be born by the shareholder. For more information on holding the meeting, please call: +7 (7172) 59 99 99, extension 10200. We hereby offer the shareholders of the Bank to acquaint themselves with the following procedure for holding the meeting. In accordance with article 17.5 of the Republic of Kazakhstan Law “On Banks and Banking Activities in the Republic of Kazakhstan”, legal entities incorporated in offshore zones the list whereof is established by the competent authority (see: resolution of the Management Board of the Agency of the Republic of Kazakhstan for regulation and development of financial market dated February 24, 2020, № 8 On establishing a list of offshore zones for the purposes of banking and insurance business, business of the professional participants of stock market and other licensable types of activity on the stock market, business of the joint stock investment funds and business of organizations performing micro-financial activities), shall not be able to directly or indirectly own and (or) use, and (or) dispose the voting shares of the Republic of Kazakhstan resident banks. According to para.5-1 of said article, “the shareholder participating in the general meeting of shareholders shall submit a statement which indicates the compliance with para.5 of this article by its shareholders (participants), in case the bank has no information on country of residence of such shareholders (participants.A shareholder who has not submitted the above statement is not allowed to participate in the general meeting of shareholders”. In this regard, at registration, participants of the Meeting shall submit documents confirming their eligibility to participate at the Meeting and vote on issues considered at the Meeting. The shareholders (representatives thereof) arrived shall be registered before opening of the meeting. It is required to have an identity document. A representative of the shareholder must submit a power of attorney confirming the authority thereof to participate and vote at the meeting, or a document confirming the eligibility to act on behalf of the shareholder or represent interests thereof without a power of attorney. A shareholder (representative of a shareholder) arrived to take part in the Meeting held in-person is to be registered. A shareholder (representative of a shareholder) who has not been registered shall not be counted in determining the quorum and shall not be entitled to vote. The Meeting opens at the announced time if a quorum is present. The Meeting shall hold elections of the chairperson and the secretary of the meeting, determine the form of voting – open or secret (by poll). In accordance with Article 50.1 of the Law “On Joint Stock Companies”, voting on the agenda of the meeting is carried out under the principle of “one share – one vote”, except for the following cases: limitation of the maximum number of votes attached to shares available to one shareholder as per the legislative acts of the Republic of Kazakhstan; the cumulative voting when electing members of the Board of Directors and providing each person eligible to vote at an annual general meeting of shareholders with one vote on the procedural issues of holding the general meeting of shareholders. In the event of a cumulative vote, all votes attached to shares may be cast by a shareholder in favor of one nominated member of the Board of Directors or divided between several nominated members of the Board of Directors. The nominees received the majority of votes shall be recognized as elected members of the Board of Directors. The chairperson shall not be entitled to interfere with the speeches of those eligible to participate in the discussion of the agenda issue, except for cases when such speeches result in violation of the rules of the meeting or when the dispute on this issue is over. The annual general meeting of shareholders shall be entitled to take a decision on suspension of its work and on extension of the period of work, including postponement of consideration of certain issues of the agenda of the general meeting of shareholders to the following day. The annual general meeting of shareholders may be declared closed only after consideration of all issues of the agenda and adoption of resolutions thereon. In accordance with Article 52.1 of the Law “On Joint Stock Companies”, the minutes of the general meeting of shareholders shall be drawn up and signed within three business days after the closing of the general meeting of shareholders. The meeting shall be held in accordance with Articles 35-37, 39-48, 50-52 and 54 of the Law “On Joint Stock Companies”, Articles 17.5 and 17.5-1 of the Law “On Banks and Banking Activities”, and Article 15 of the Bank Charter. In accordance with the item of the agenda of the Meeting “On election of a member of the Board of Directors – an independent director of the Bank, the term of office and the level of remuneration thereof”, please provide the Bank with the nominated members of the Bank Board of Directors by 6.00 p.m. on March 15, 2021. We hereby inform that in accordance with Article 44.2 of the Republic of Kazakhstan Law “On Joint Stock Companies” the information on the proposed nominated members of the Board of Directors of the Bank should include the following: 1) last name, name and, if desired - patronymic; 2) educational background; 3) information on affiliation with the Bank; 4) information on the places of employment and the positions held over the past three years; 5) other information confirming the qualification and professional experience of the nominee. A person nominated (recommended) for election as a member of the Board of Directors of the Bank should meet the requirements for the executive officers established by Article 20 of the Republic of Kazakhstan Law “On Banks and Banking Operation in the Republic of Kazakhstan” and Article 54 of the Republic of Kazakhstan Law “On the Securities Market”. A person nominated (recommended) for election as an independent Director, among other things, should meet the requirements of Article 1.20 of the Law “On Joint Stock Companies”. We are looking forward to welcoming the shareholders of the Bank to participate in the Annual General Meeting of shareholders of the Bank.

**Nur-Sultan city, February 08th, 2021** – ForteBank Joint Stock Company located at: 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan (hereinafter the “Bank”), hereby informs that the powers of Rustem Bekturov as a member of the Board of Directors of the Bank, were terminated early starting on February 05th, 2021 on his own initiative (in accordance with the Article 55.4 of the Republic of Kazakhstan Law “On Joint Stock Companies”).

**PRESS RELEASE** Nur-Sultan 22.01.2021 **Asiamoney recognizes ForteBank as the Best Bank in Kazakhstan** For the second time, ForteBank has become the bank of the year in Kazakhstan according to Asiamoney, which is a part of Euromoney Institutional Investor PLC Group. Traditionally, the decision on bestowing the Asiamoney Best Bank Award is made by a team of experienced financial analysts lead by the editor of Euromoney, based on the in-depth analysis of the financial institutions’ operations and the local capital markets research materials. Moreover, actual customer and partner feedback is also taken into account. The international **experts of Asiamoney** praised the high-quality realignment of ForteBank processes aimed at supporting its customers during the crisis caused by the pandemic. ForteBank has actively supported the governmental initiative aimed at restructuring the customers which have faced difficulties during the quarantine. For the legal entities, ForteBank is an active participant of the support programs for the industries hit by Covid-19, with preferential lending at 6% per annum. While commenting on the award, the Chairman of the Management Board of ForteBank **Mr. Guram Andronikashvili** noted: “We are grateful to Asiamoney for the high assessment of our work during the challenging 2020. Despite the adverse times caused by the pandemic, ForteBank continues to support its customers and to offer high-quality innovative services”. ForteBank has won prestigious awards by the international business periodicals multiple times. The Banker and Global Finance, both being reputable international publications, recognized ForteBank as the best bank in Kazakhstan for three times. *ForteBank is one of the most stable, solvent and well-capitalized banks in the country. In 2018-2020, ForteBank was recognized as the best bank in Kazakhstan according to Global Finance, and was recognized as the Best Bank in Kazakhstan according to Asiamoney in 2019, receiving the Bank of the Year in Kazakhstan award by The Banker in 2017, 2018 and 2020. AQR results have confirmed the high degree of reliability and stability of ForteBank. The Bank has 20 branches and about 100 outlets.*

Press Release 05/01/2021 Information on changes in the Management Board of ForteBank JSC **Nur-Sultan city, January 5th, 2021** – ForteBank Joint Stock Company located at the address: 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan (hereinafter referred to as the “Bank”), Сerebв reports tСe МСanРes Тn tСe composition of the Management Board of the Bank. In accordance with the resolution of the Board of Directors of the Bank dated December 29th, 2021 (minutes of the meeting No.43), starting from January 5th, 2021, Sholpan Mukashkyzy Nurumbet is elected as the member of the Management Board of the Bank – Deputy Chairwoman of the Management Board. **Contacts:** Investor Relations Tel. +7 (7172) 59 99 99 (int. 10249) E-mail: IR@fortebank.com

PRESS RELEASE Nur-Sultan 30.12.2020 ForteBank sells 100% of Bank Kassa Nova shares ForteBank announces the closure of the transaction for the sale of 100% of the common shares of Bank Kassa Nova to the Freedom Finance Investment Company. In August 2020, ForteBank has announced the signing of an agreement of sale of 100% of the common shares of Bank Kassa Nova. Acquisition of an approval from the Agency of the Republic of Kazakhstan for Regulating and Development of the Financial Market and other required clearances has preceded the closing of the transaction. Bank Kassa Nova is an independent, well-capitalized medium-sized bank specializing in rendering high quality financial services. *ForteBank is one of the most stable, solvent and well-capitalized banks in the country. AQR results have confirmed the high degree of reliability and stability of ForteBank. In 2020, ForteBank became the Bank of the year in Kazakhstan according to The Banker. In 2018-2020, ForteBank was recognized as the Best bank in Kazakhstan according to Global Finance, and was recognized as the Best bank in Kazakhstan according to Asiamoney in 2019.* Press office Phone: +7 (7172) 59 99 99 (int. 10868) E-mail: epeltola@fortebank.com

**PRESS RELEASE** Nur-Sultan city 20.12.2020 Moody’s upgrades ratings of ForteBank Moody’s Investors Service (“Moody’s”) announced its decision to upgrade once again the long-term deposit ratings of ForteBank to Ba3 from B1, the outlook is stable. In July, 2019 Moody’s upgraded the long-term deposit ratings to B1 from B3 (by two notches at one go), the outlook – stable. According to Fitch analysts, the upgrade of the ratings recognizes the consistent improvements of the Bank’s solvency metrics along with strong liquidity despite business pressures related to the coronavirus containment measures and the economic contraction in Kazakhstan. ForteBank displayed strong profits and modest loan growth in recent years, which enabled the Bank to notably improve its solvency. ForteBank’s liquidity also remains healthy. The Bank was rapidly growing its deposit base while being conservative with loan origination. **Mr. Guram Andronikashvili**, Chairman of the Management Board of ForteBank, commented on the news: *“Moody’s international ratings agency estimates ForteBank’s team work in creating one of the most stable banks in the country. In November, 2020 Fitch Ratings also upgraded the outlook on ForteBank’s ratings. In spite of the challenging market conditions caused by global pandemic, ForteBank keeps on demonstrating stable financial and operational results. Ratings upgrade confirms the right direction of the development strategy chosen, efficiency and clients’ confidence in the bank.”* ForteBank is one of the most stable, liquid and high-capitalized banks in the county. AQR results confirmed high reliability and stability of ForteBank. In 2020 ForteBank became the bank of the year in Kazakhstan for the third time according to The Banker magazine. In 2018-2020 Fortebank was recognized as the best bank in Kazakhstan according to Global Finance and the best bank in Kazakhstan in 2019 according to Asiamoney. Contacts: Investor relations Phone: +7 (7172) 58 75 75 (int. 10249) E-mail: IR@fortebank.com Press office Phone: +7 (7172) 59 99 99 (int. 10868) E-mail: epeltola@fortebank.com

Nur‐Sultan city 24.11.2020 Fitch Ratings upgrades the outlook on ForteBank On November 23, 2020 Fitch Ratings announced its decision to upgrade the outlook from Negative to Stable and affirmed the Long‐Term Issuer Default Ratings (IDRs) at “B”. Such decision was made despite the fact that Fitch maintained the Negative Outlook on the Operating Environment in Kazakhstan. According to Fitch analysts, the upgrade of the Outlook and the affirmation of the ratings reflects Fitch's expectations that Forte's strong pre‐impairment profitability and substantial capital buffer would be sufficient to mitigate the ongoing pressure on the bank's asset quality, stemming from the economic recession, lower oil prices, and negative implications from the spread of COVID‐19 on the broader economy. Fitch maintained the Negative Outlook on the Operating Environment in Kazakhstan, but in Fitch's view, the bank's ratings could tolerate even a more severe increase in loan impairment charges, than Fitch currently anticipates. **Mr. Guram Andronikashvili**, Chairman of the Management Board of ForteBank, commented on the news: *“ForteBank’s outlook upgrade by Fitch is an important event for us and our clients, once again proving the stability and reliability of the Bank. In spite of the challenging market conditions caused by global pandemic, ForteBank continues to support and finance all of its clients while maintaining high efficiency and positive financial and operational results”*. ForteBank is one of the most stable, liquid and high‐capitalized banks in the county. AQR results confirmed high reliability and stability of ForteBank. The bank has 20 branches and about 100 outlets. In 2018‐2020, ForteBank was recognized as the best bank in Kazakhstan according to Global Finance, and the best bank in Kazakhstan according to Asiamoney in 2019. **Contacts:** Investor relations Phone: +7 (7172) 58 75 75 (int. 10249) E‐mail: IR@fortebank.com **Press office** Phone: +7 (7172) 59 99 99 (int. 10868) E‐mail: epeltola@fortebank.com ____________________________________________________________________________

Notice: the Extraordinary General Meeting of ForteBank JSC Shareholders will be held on October 16, 2020 ForteBank JSC (hereinafter referred to as the “Bank”) with the executive board (Management Board) located at: 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby notifies its shareholders that the Extraordinary General Meeting of Shareholders (hereinafter the “Meeting”) summoned at the initiative of the Board of Directors of the Bank (Minutes of Absentee Voting dated September 15th, 2020 No. 30 (z)) on the basis of Article 35.1, Article 37.3.3 and Article 41 of the Republic of Kazakhstan Law “On Joint Stock Companies” (hereinafter the Law “On Joint Stock Companies”). The Meeting will be held on **October 16, 2020** at 10.00 a.m. (Nur-Sultan time) at the following address: Conference Room “Astana”, 8th floor, 8/1, Dostyk str., Nur-Sultan city. The participants shall be registered on **October 16, 2020 ** from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. The register of the Bank shareholders eligible to participate at the Meeting will be compiled as at 00.00 a.m. (Nur-Sultan time) on September 18, 2020. In the absence of a quorum, the adjourned Extraordinary General Meeting of the Bank Shareholders will be held on **October 19, 2020** at 10.00 a.m. (Nur-Sultan time) at the same address. The participants of the adjourned Extraordinary General Meeting of the Bank Shareholders will be registered on **October 19, 2020** from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. **Agenda of the Meeting** 1. On Approval of amendments №3 to the Code of Corporate Governance. In accordance with Article 43.4.1 of the Law “On Joint Stock Companies”, the agenda of the Meeting may be supplemented by a shareholder owning, independently or together with other shareholders, five or more percent of the voting shares of the company, or by the Board of Directors, provided that shareholders of the Bank have been notified of such amendments not later than 15 days prior to the date of the Meeting. Pursuant to Article 44.4 of the Law “On Joint Stock Companies”, the materials on issues of the agenda of the Meeting shall have been prepared and available for familiarization of shareholders not later than ten calendar days before the date of the General Meeting of Shareholders at the location of the Management Board of the Bank. Upon request of a shareholder of the Bank, the materials on issues of the agenda of the meeting shall be sent thereto within three business days of the day of receipt of the request, provided that the costs for making copies of documents and delivery of documents shall be borne by the shareholder, unless otherwise specified by the Charter. For more information on holding of the Meeting, please call: +7 (7172) 59 99 99, extension 10200. We hereby offer the shareholders of the Bank to acquaint themselves with the following procedure for holding the meeting. In accordance with article 17.5 of the Republic of Kazakhstan Law “On Banks and Banking Activities in the Republic of Kazakhstan”, “legal entities incorporated in offshore zones the list whereof is established by the competent authority (see: decree of the Management Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated February 24, 2020 № 8 On Establishing the List of Offshore Zones for the Purposes of Banking and Insurance Activities, Activities of the Professional Participants of the Securities Markets and Other Licensed Types of Activities on the Securities Markets, Activities of the Joint Stock Investment Funds and Activities of the Organizations Conducting Micro-financial Activities), shall not be able to directly or indirectly own and (or) use, and (or) dispose the voting shares of the Republic of Kazakhstan resident banks”. According to paragraph 5-1 of said article, “a shareholder participating at the general meeting of shareholders shall submit a statement which indicates the compliance with paragraph 5 of this article by its shareholders (participants), in case if the bank has no information on country of residence of such shareholders (participants)”. The second subparagraph of the aforementioned paragraph stipulates that “a shareholder who has not submitted the above statement is not allowed to participate at the general meeting of shareholders”. In this regard, at the registration, participants of the Meeting shall submit documents confirming their eligibility to participate at the Meeting and vote on issues considered at the Meeting. The shareholders (representatives thereof) arrived shall be registered before opening of the meeting. It is required to have an identity document. A representative of the shareholder must submit a power of attorney confirming the authority thereof to participate and vote at the meeting, or a document confirming the eligibility to act on behalf of the shareholder or represent interests thereof without a power of attorney. A shareholder (representative of a shareholder) who has not been registered shall not be counted in determining the quorum and shall not be entitled to vote. The meeting opens at the announced time if a quorum is present. The meeting shall hold elections of the chairperson and secretary of the meeting, determine the form of voting – open or secret (by poll). In accordance with Article 50.1 of the Law “On Joint Stock Companies”, voting on the agenda of the extraordinary general meeting of shareholders shall be carried out under the principle of “one share – one vote”, except for providing each person entitled to vote at the extraordinary general meeting of shareholders one vote each regarding the procedural matters related to holding the general meeting of shareholders. The chairperson shall not be entitled to interfere with the speeches of those eligible to participate in the discussion of the agenda issue, except for cases when such speeches result in violation of the rules of the meeting or when the dispute on this issue is over. The extraordinary general meeting of shareholders shall be entitled to adopt a resolution on suspension of its work and on extension of the period of work, including postponement of consideration of certain issues of the agenda of the general meeting of shareholders to the following day. A meeting may be declared to be closed only after consideration of all issues of the agenda and adoption of resolutions thereon. In accordance with Article 52.1 of the Law “On Joint Stock Companies”, the minutes of the extraordinary general meeting of shareholders shall be drawn up and signed within three business days after the closing of the general meeting of shareholders. The meeting shall be held in accordance with Articles 35-37, 39-48 and 50-52 of the Law “On Joint Stock Companies”, Articles 17.5 and 17.5-1 of the Law “On Banks and Banking Activities”, and Article 15 of the Bank Charter. We are looking forward to welcoming the shareholders of the Bank to participate at the Extraordinary General Meeting of Shareholders of the Bank.

FORTEBANK JSC INFORMS ON VOTING RESULTS OF THE ANNUAL GENERAL MEETING OF SHAREHOLDERS ForteBank JSC (hereinafter – Bank), with its executive body (Management Board) located at the address: 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby announces the voting results of the Annual General Meeting of the Bank Shareholders (hereinafter the “Meeting”) held on May 4th, 2020 from 10.00 to 11.00 by Nur-Sultan standard time, at the following address: “Astana” Conference Room, 8th floor, 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan. In accordance with the approved agenda, the following issues were considered at the Meeting, and following resolutions were passed based on the voting results. * * * Issue 1 of the Agenda “On approval of the 2019 annual financial statements of the Bank” To approve the attached audited annual financial statements of ForteBank JSC for the year ended 31 December, 2019. * * * **Issue 2 of the Agenda “On approval of the order of distribution of the Bank’s 2019 net income, the amount of the dividend per one common share of the Bank”** 1. To approve the following order of distribution of net profit of ForteBank JSC for 2019: - the amount up to a maximum of KZT 21,117,000,000.00 (twenty-one billion one hundred seventeen million tenge) to be allocated for payment of dividends; - the amount of net income remaining after the payment of dividends to be retained at the disposal of the Bank. 2. To approve the amount of dividend per a common share of ForteBank JSC in the amount of KZT 0.2372 (zero point twenty-three seventy-two tiyn), including the amount of taxes payable in accordance with the laws of the Republic of Kazakhstan. The total amount of dividends payable to each shareholder must be accurate to the integer tiyn (rounding is performed according to the mathematical rounding rules). The rule of mathematical rounding is the method of rounding, when the value of an integer tiyn (integer tiyns) does not change if the first digit after the one being rounded is from 0 to 4, and changes by increasing by one if the first digit after the one being rounded is from 5 to 9. 3. To record the list of shareholders eligible to receive dividends as of May 05, 2020, 00:00 by Nur-Sultan standard time. 4. To determine the date of commencing of dividend payment on common shares of ForteBank JSC – starting from May 06, 2020. 5. To approve the payment procedure – at a time in one payment. 6. To approve the form of payment of dividends on common shares of ForteBank JSC – in non-cash form to the banking details of shareholders indicated in the Bank shareholders register. Banking details: name ForteBank JSC, Certificate of Incorporation No.4241-1900-AO, location: 8/1, Dostyk str., Nur-Sultan city, Republic of Kazakhstan, Z05P1P0 (010017), payment details: BIN 990740000683, BIC IRTYKZKA, correspondent account KZ23125KZT1001300204 with the National Bank of the Republic of Kazakhstan Republican State Institution. * * * **Issue 3 of the Agenda “On the Report of the Board of Directors of the Bank for the past financial year”** To approve the report of the Board of Directors of ForteBank JSC for the expired fiscal year. * * * **Issue 4 of the Agenda “On the appeals of shareholders to the actions of the Bank and its officials, and the results of consideration thereof”** To take into consideration the information provided by the Management Board of ForteBank JSC that during 2019, the Bank has received 23 appeals from 17 of its shareholders regarding accrual and payment of dividends on ForteBank JSC shares, as well as on the sale of ForteBank JSC shares owned by its shareholders, to which the Bank has responded by sending the appropriate explanations; there were no appeals of shareholders to the actions of the Bank and its officials. * * * **Issue 5 of the Agenda “On the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2019”** To take into consideration the attached information on the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2019. * * * **Issue 6 of the Agenda “On designation of the audit organization conducting audit and review of the financial statements of the Bank in 2020-2022 and for 2020-2022”** To designate Ernst & Young LLP as the audit organization for conducting audit and review of the financial statements of the Bank in 2020-2022 and for 2020-2022. * * * **Issue 7 of the Agenda “On approval of the Amendment No.6 to the Charter of the Bank” ** 1. To approve the Amendment No.6 to the Charter of the Bank as amended by Annex 1 hereto, which will enter into force on the date of the present resolution commencement. 2. To authorize G. Andronikashvili, the Chairman of the Management Board (or the person acting as such) to sign the Amendment No.6 to the Charter of the Bank on behalf of its shareholders and fulfill other actions associated with the approval of the Amendment No.6 to the Charter of the Bank. * * * *Total common voting shares of the Bank represented at the Meeting during the whole time thereof – 73,714,243,282 (98.7032 % of the total common voting shares).* __________________________________________________________________________________________ Contacts: Investor Relations Tel. +7 (7172) 58 75 75 (int. 10249) E-mail: IR@fortebank.com

**ForteBank JSC informs on dividends payment on common shares** Herewith ForteBank JSC (hereinafter - Bank) informs that the Bank, in accordance with decision made by the Annual General Meeting of Shareholders dated May 4th, 2020 (minutes №01/20) on common shares dividends payment for 2019 in the amount of KZT 0,2372 (zero point twenty-three seventy-two tiyn) per one share, has paid dividends according to available payment details in the amount of KZT 21 108 706 425,33 (twenty-one billion one hundred eight million seven hundred six thousand four hundred twenty-five tenge 33 tiyn), which comprises 99,99% of the total accrued dividends amount, during the period of dividends payment started on May 6th 2020. Based on the decision made by the Annual General Meeting of Shareholders, the dividends were paid according to the payment details provided by Central Securities Depository JSC as of 00:00, Nur-Sultan time, May 5th 2020. Total amount of the Bank’s common shares dividends for 2019 accrued to be paid to the shareholders was KZT 21 109 677 636,23 (twenty-one billion one hundred nine million six hundred seventy-seven thousand six hundred thirty-six, 23) tenge . The accrued dividends that have not been distributed due to the absence of the up-to-date payment details of the shareholders shall be transferred by the Bank to the unclaimed dividends account with Central Securities Depository JSC in compliance with the requirements of clause 4 of article 23 of the Law of the Republic of Kazakhstan On the Joint Stock Companies. Thus, in case of non-delivery of the due and payable dividends, the Bank shareholders should contact Central Securities Depository JSC in order to receive the dividends accrued. You may have preliminary consultation with the specialists of Central Securities Depository JSC regarding the receipt of the dividends by using the following contact details: website: www.kacd.kz; Call Center: +7 (727) 312 33 04, +7 (777) 150 94 22 (WhatsApp only); Hotline (free of charge calls from the landline and mobile phones within the Republic of Kazakhstan): 8 800 080 86 68. _____________________________________________________________________________ Contacts: Investor Relations Tel. +7 (7172) 58 75 75 (int. 10249) E-mail: IR@fortebank.com

ForteBank JSC (hereinafter referred to as the “Bank”), the executive board (Management Board) is located at: bldg. 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby notifies its shareholders on Annual General Meeting of shareholders of the Bank (hereinafter the “Meeting”) convened at the initiative of the Board of Directors of the Bank (Minutes of Meeting No.10 dated March 31, 2020) on the basis of Article 35.1, Article 37.3.3 and Article 41 of the Republic of Kazakhstan Law “On Joint Stock Companies” (hereinafter the Law “On Joint Stock Companies”). The Meeting will be held on **May 4, 2020** at 10.00 a.m. (Nur-Sultan time), at the following address: Conference Room “Astana”, 8th floor, bldg. 8/1, Dostyk str., Nur-Sultan city. The participants shall be registered on May 4, 2020 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. The register of the Bank shareholders eligible to participate at the Meeting will be compiled as at 00.00 a.m. (Nur-Sultan time) on April 20, 2020. In the absence of a quorum, the adjourned Annual General Meeting of the Bank shareholders will be held on May 5, 2020 at 10.00 a.m. (Nur-Sultan time) at the same address. The participants of the adjourned Annual General Meeting of the Bank shareholders will be registered on May 5, 2020 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. **Agenda of the Meeting** 1. On approval of the 2019 annual financial statements of the Bank. 2. On approval of the procedure for distribution of the Bank’s 2019 net income, the amount of the dividend per common share of the Bank. 3. On the Report of the Board of Directors of the Bank for the past financial year. 4. On the appeals of shareholders to the actions of the Bank and its officials, and the results of consideration thereof. 5. On the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2019. 6. On appointment of an audit organization for performance of an audit and review of the financial statements of the Bank in 2020-2022 and for 2020-2022. 7. On approval of an amendment № 6 to the Charter of the Bank. In accordance with part two of Article 43.4.1 of the Law “On Joint Stock Companies”, the agenda of the annual general meeting of shareholders may be supplemented by a shareholder owning, independently or together with other shareholders, five or more percent of the voting shares of the company, or by the board of directors, provided that shareholders of the Bank have been notified of such amendments not later than 15 days prior to the date of the annual general meeting. Pursuant to Article 44.4 of the Law “On Joint Stock Companies”, the materials on issues of the agenda of the meeting shall have been prepared and available for familiarization of shareholders not later than 10 calendar days before the date of the General Meeting of shareholders at the location of the Management Board of the Bank. Upon request of a shareholder of the Bank, the materials on issues of the agenda of the meeting shall be sent thereto within three business days of the day of receipt of the request, provided that the costs for making copies of documents and delivery of documents shall be borne by the Bank. For more information on holding the meeting, please call: +7 (7172) 59 99 99, extension 10200. We hereby offer the shareholders of the Bank to acquaint themselves with the following procedure for holding the meeting. In accordance with article 17.5 of the Republic of Kazakhstan Law “On Banks and Banking Activities in the Republic of Kazakhstan”, “legal entities incorporated in offshore zones the list whereof is established by the competent authority (see: resolution of the Management Board of the Agency of the Republic of Kazakhstan for regulation and development of financial market dated February 24, 2020, № 8 On establishing a list of offshore zones for the purposes of banking and insurance business, business of the professional participants of stock market and other licensable types of activity on the stock market, business of the joint stock investment funds and business of organizations performing micro-financial activities), shall not be able to directly or indirectly own and (or) use, and (or) dispose the voting shares of the Republic of Kazakhstan resident banks”. According to para.5-1 of the named article, “the shareholder participating at the general meeting of shareholders shall submit a statement which indicates the compliance with para.5 of this article by its shareholders (participants), in case the bank has no information on country of residence of such shareholders (participants)”. The second subparagraph of current para. stipulates that “a shareholder who has not submitted the above statement is not allowed to participate at the general meeting of shareholders”. In this regard, at registration, participants of the Meeting shall submit documents confirming their eligibility to participate at the Meeting and vote on issues considered at the Meeting. The shareholders (representatives thereof) arrived shall be registered before opening of the meeting. It is required to have an identity document. A representative of the shareholder must submit a power of attorney confirming the authority thereof to participate and vote at the meeting, or a document confirming the eligibility to act on behalf of the shareholder or represent interests thereof without a power of attorney. A shareholder (representative of a shareholder) who has not been registered shall not be counted in determining the quorum and shall not be entitled to vote. The meeting opens at the announced time if a quorum is present. The meeting shall hold elections of the chairperson and secretary of the meeting, determine the form of voting – open or secret (by poll). In accordance with Article 50.1 of the Law “On Joint Stock Companies”, voting on the agenda of the annual general meeting of shareholders is carried out under the principle of “one share – one vote”, except for cumulative voting when electing members of the Board of Directors and providing each person eligible to vote at an annual general meeting of shareholders, with one vote on the procedural issues of holding the general meeting of shareholders. The chairperson shall not be entitled to interfere with the speeches of those eligible to participate in the discussion of the agenda issue, except for cases when such speeches result in violation of the rules of the meeting or when the dispute on this issue is over. The annual general meeting of shareholders shall be entitled to take a decision on suspension of its work and on extension of the period of work, including postponement of consideration of certain issues of the agenda of the general meeting of shareholders to the following day. An annual general meeting of shareholders may be declared closed only after consideration of all issues of the agenda and adoption of resolutions thereon. In accordance with Article 52.1 of the Law “On Joint Stock Companies”, the minutes of the annual general meeting of shareholders shall be drawn up and signed within three business days after the closing of the general meeting of shareholders. The meeting shall be held in accordance with Articles 35-37, 39-48, 50-52 of the Law “On Joint Stock Companies”, Articles 17.5 and 17.5-1 of the Law “On Banks and Banking Activities”, and Article 15 of the Bank Charter. We look forward to welcoming the shareholders of the Bank to participate in the Annual General Meeting of shareholders of the Bank.

PRESS RELEASE Nur-Sultan city 04.12.2019 Fitch Ratings revised the Outlook on ForteBank from Stable to Positive On December 3rd, 2019, Fitch Ratings announced its decision to revise the outlook from Stable to Positive and to confirm the Long-Term Issuer Default Rating (IDR) of ForteBank at “B”. According to Fitch analysts: “ForteBank has demonstrated stable and reasonable profitability in the past few years (ROAA and ROAE at 2,3% and 20% in 9M19, respectively), which we view as sustainable. Forte’s overall asset quality is of a lower-risk asset structure. The funding and liquidity profile is a relative rating strength.” Mr. Guram Andronikashvili, Chairman of the Management Board of ForteBank, commented on the news: “ForteBank’s outlook upgrade by Fitch is an important event for us and our clients, once again proving the stability and reliability of the bank. We continuously demonstrate positive financial results, which reflect deep trust of our clients in ForteBank.” As a reminder, earlier Moody’s Investors Service upgraded the long-term deposit rating of ForteBank from B3 to B1 (by two notches at once), with Stable outlook, and S&P Global Ratings upgraded ForteBank’s rating from “B” to “B+”, with Stable outlook. In 2019, ForteBank demonstrates qualitative growth in terms of the key financial metrics: * · +15,8% (+280,7 billion KZT) assets growth since the beginning of the year, which allowed the bank to join the top-3 largest banks in the country; · +5% (+32,6 billion KZT) bank’s loan portfolio growth; · +7,5% (+83,3 billion KZT) bank’s deposit portfolio growth; · +49,9% (+5,2 billion KZT) growth of the bank’s fee and commission income in 9M19, in comparison with the same period in 2018; · +46,5% growth of net profit according to the operating results in 9M19, in comparison with 9M18. · The Bank continues to have one of the highest capital adequacy ratio on the market – 17,4% (K2) – (data from the National Bank of the Republic of Kazakhstan) · Liquidity ratio also continues to stay at a high level and amounts to -156%. * as of 01.10.2019 _________________________________________________________________________________ Following the 2018 results, ForteBank is among the three largest banks in Kazakhstan in terms of assets, and occupies leading positions in terms of capitalization and liquidity. ForteBank mobile application was recognized as No.1 in Kazakhstan and among the top 10 in the CIS according to Markswebb, Russian analytical agency. ForteBank was recognized as “Bank of the year in Kazakhstan” by The Banker and Global Finance for the second year in a row.

JSC ForteBank (formerly JSC Alliance Bank) (the “Bank”) U.S.$236,570,000 11.75 per cent. Notes due 2024 (the “Notes”) (ISIN (Unrestricted Notes): XS1153772725; ISIN (Restricted Notes): XS1154028200) Notice of Redemption at the option of the Bank Reference is made to the U.S.$236,570,000 11.75 per cent. Notes due 2024 (the “Notes”) issued by JSC ForteBank (formerly known as JSC Alliance Bank) (the “Bank”) pursuant to a Trust Deed dated 15 December 2014 between the Bank and BNY Mellon Corporate Trustee Services Limited (the “Trustee”), (the “Trust Deed”). NOTICE IS HEREBY GIVEN that: The Bank intends to exercise its right to redeem the Notes at the option of the Bank in whole at 108 per cent. of the principal amount pursuant to the terms and conditions set out in clause 8(c) Schedule 4 of the Trust Deed, together with interest accrued but unpaid on the principal amount redeemed to, but excluding, the date fixed for redemption (the “Early Redemption Amount”). The Early Redemption Amount shall be U.S.$1.08 per U.S.$1.00 in outstanding principal amount of Notes. The Bank will exercise its right to redeem the Notes on the Second Interest Payment Date (being the 15th of December 2019). Given the Second Interest Payment Date does not fall on a business day (as defined in clause 7(f) of Schedule 4 of the Trust Deed), the redemption will occur on the 16th of December 2019 (for value date 15th of December 2019, in accordance with clause 7(f) of Schedule 4 of the Trust Deed). Such redeemed Notes will be cancelled and shall not be reissued or resold. This Notice is irrevocable. Each prepayment in respect of the Notes will be made to the Person shown as the holder in the Register at the close of business (in the place of the Registrar’s specified office) on the day two business days prior to the due date for such payment (the “Record Date”). Terms used herein but not otherwise defined have the meanings given thereto in the Trust Deed. For further information, please contact: ForteBank JSC Investor Relations Tel.: +7 (727) 244 09 73 E-mail: IR@fortebank.com

ForteBank JSC (hereinafter referred to as the “Bank”) of which the executive board (Management Board) is located at: 8/1, Dostyk str., Yessil district, Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan, hereby notifies its shareholders that Extraordinary General Meeting of Shareholders of the Bank (hereinafter the “Meeting”) summoned at the initiative of the Board of Directors of the Bank (Minutes of Meeting No.21 dated 11 May 2019) on the basis of Article 35.1, Article 37.3.3 and Article 41 of the Republic of Kazakhstan Law “On Joint Stock Companies” (hereinafter the Law “On Joint Stock Companies”). The Meeting will be **held on 13 June 2019 at 10.00 a.m. (Nur-Sultan time)**, at the following address: Conference Room “Astana”, 8th floor, 8/1, Dostyk str., Nur-Sultan city. The participants shall be registered on 13 June 2019 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. The register of the Bank shareholders eligible to participate at the Meeting will be compiled as at 00.00 a.m. (Nur-Sultan time) on 29 May 2019. In the absence of a quorum, the adjourned Extraordinary General Meeting of the Bank Shareholders will be held on 14 June 2019 at 10.00 a.m. (Nur-Sultan time) at the same address. The participants of the adjourned Extraordinary General Meeting of the Bank Shareholders will be registered on 14 June 2019 from 09.00 a.m. to 09.45 a.m. (Nur-Sultan time) at the venue of the meeting. **Agenda of the Meeting** – On the composition of the Board of Directors of the Bank and on determining the level of remuneration of members of the Board of Directors of the Bank. In accordance with Article 43.4.1 of the Law “On Joint Stock Companies”, the agenda of the annual general meeting of shareholders may be amended by a shareholder owning, independently or together with other shareholders, five or more percent of the voting shares of the company, or by the board of directors, provided that shareholders of the Bank have been notified of such amendments not later than 15 days prior to the date of the annual general meeting. Pursuant to Article 44.4 of the Law “On Joint Stock Companies”, the materials on issues of the agenda of the meeting shall have been prepared and available for familiarization of shareholders not later than 10 days before the date of the General Meeting of Shareholders at the location of the Management Board of the Bank. Upon request of a shareholder of the Bank, the materials on issues of the agenda of the meeting shall be sent thereto within three business days upon receipt of the request, provided that the costs for making copies of documents and delivery of documents shall be borne by the shareholder. For more information on holding the meeting, please call: +7 (7172) 59 99 99, extension 10200. We hereby offer the shareholders of the Bank to acquaint themselves with the following procedure for holding the meeting. In accordance with article 17.5 of the Republic of Kazakhstan Law “On Banks and Banking Activities in the Republic of Kazakhstan”, “legal entities incorporated in offshore zones the list whereof is established by the competent authority (see: Letter No.04-01-14/1615 from the Agency of the Republic of Kazakhstan for Regulation and Supervision of the Financial Market and Institutions dated 29 April 2009), are not able to directly or indirectly own and (or) use, and (or) dispose the voting shares of the Republic of Kazakhstan resident banks”. According to para.5-1 of the named article, “the shareholder participating at the general meeting of shareholders shall submit a statement which indicates the compliance with para.5 of this article by its shareholders (participants), in case the bank has no information on country of residence of such shareholders (participants)”. The second subparagraph of current para. stipulates that “a shareholder who has not submitted the above statement is not allowed to participate at the general meeting of shareholders”. In this regard, at registration, participants of the Meeting shall submit documents confirming their eligibility to participate at the Meeting and vote on issues considered at the Meeting. The shareholders (representatives thereof) arrived shall be registered before opening of the meeting. It is required to have an identity document. A representative of the shareholder must submit a power of attorney confirming the authority thereof to participate and vote at the meeting, or a document confirming the eligibility to act on behalf of the shareholder or represent interests thereof without a power of attorney. A shareholder (representative of a shareholder) who has not been registered shall not be counted in determining the quorum and shall not be entitled to vote. The meeting opens at the announced time if a quorum is present. The meeting shall hold elections of the chairperson and secretary of the meeting, determine the form of voting – open or secret (by poll). In accordance with Article 50.1 of the Law “On Joint Stock Companies”, voting on the agenda of the extraordinary general meeting of shareholders is carried out under the principle of “one share – one vote”, except for cumulative voting when electing members of the Board of Directors and providing each person eligible to vote at an extraordinary general meeting of shareholders, with one vote on the procedural issues of holding the general meeting of shareholders. At cumulative voting, the votes granted by the shares may be given by the shareholder all in favor of one nominated member of the board of directors, or distributed among several nominated members of the board of directors. The chairperson shall not be entitled to interfere with the speeches of those eligible to participate in the discussion of the agenda issue, except for cases when such speeches result in violation of the rules of the meeting or when the dispute on this issue is over. The extraordinary general meeting of shareholders shall be entitled to take a decision on suspension of its work and on extension of the period of work, including postponement of consideration of certain issues of the agenda of the general meeting of shareholders to the following day. An extraordinary general meeting of shareholders may be declared closed only after consideration of all issues of the agenda and adoption of resolutions thereon. In accordance with Article 52.1 of the Law “On Joint Stock Companies”, the minutes of the extraordinary general meeting of shareholders shall be drawn up and signed within three business days after the closing of the general meeting of shareholders. The meeting shall be held in accordance with Articles 35, 36, 37, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 50, 51, 52 and 54 of the Law “On Joint Stock Companies”, Articles 17.5 and 17.5-1 of the Law “On Banks and Banking Activities”, and Article 15 of the Bank Charter. In accordance with the issue of the agenda of the Meeting “On determining the number of members, term of appointment of the Bank’s Board of Directors, election of members thereof, determining the amount and terms of remuneration, as well as reimbursement of expenses for the members of the Bank’s Board of Directors for performance thereby of responsibilities of theirs”, we kindly ask you, to submit to the Bank the list of nominated members of the Board of Directors of the Bank by 6 p.m. on 29 May 2019. We inform that in accordance with Article 44.2 of the Republic of Kazakhstan Law “On Joint Stock Companies”, the information on proposed nominated members of the Board of Directors of the Bank should include: 1) last name, first name, and patronymic (optional); 2) education background; 3) information on affiliation with the Bank; 4) information on places of work and positions held for the last three years; 5) other information confirming the qualification and experience of the candidate. The person proposed (recommended) to be elected as a member of the Board of Directors of the Bank must comply with the requirements for executives established by Article 20 of the Republic of Kazakhstan Law “On Banks and Banking Activities in the Republic of Kazakhstan”, Article 54 of the Republic of Kazakhstan Law “On Securities Market”. The person proposed (recommended) to be elected to hold the position of an Independent Director must meet the requirements of Article 1.20 of the Law “On Joint Stock Companies” as well. We look forward to welcoming the shareholders of the Bank to participate in the Extraordinary General Meeting of Shareholders of the Bank.

ForteBank JSC announces the closure of the transaction for acquisition of 100% of shares of Bank Kassa Nova JSC. The transaction has been completed after obtaining the approval of the National Bank of the Republic of Kazakhstan. “The acquisition of Kassa Nova is one of the steps to implement the strategy of ForteBank JSC development aimed at the consolidation of the banking assets of the group. This transaction will allow ForteBank JSC work with certain more niche segments of the market, and will give Kassa Nova an impetus to further development, will strengthen the financial performance of the bank, and allow its customers gain access to technological and product solutions implemented at ForteBank JSC,” Mr. Guram Andronikashvili, Chairman of the Management Board of ForteBank JSC, commented. Ms. Sholpan Nurumbetova, Chairwoman of the Management Board of Bank Kassa Nova JSC, also noted that this event is fully consistent with the bank’s business development strategy: “In the period of rapid development and market changes, this transaction is a successful step to strengthen financial stability and increase the liquidity of the Bank. Thanks to the access to ForteBank’s technological solutions, we will be able not only to optimize costs, but also to improve the quality of services. As a result, our employees and customers will receive a full range of unique services with the most favorable and comfortable conditions.” Bank Kassa Nova JSC will continue to function as a full-fledged subsidiary bank and fulfill its obligations to depositors, creditors and investors. *At the end of 2018, ForteBank is one of the three largest banks in Kazakhstan in terms of assets, and occupies a leading position in terms of capitalization and liquidity. ForteBank mobile application was recognized as №1 in Kazakhstan and among the top 10 in the CIS according to Markswebb, Russian analytical agency. For the second consecutive year, ForteBank has been recognized as “Bank of the year in Kazakhstan” by The Banker and Global Finance.*

ForteBank JSC informs about the decision of acquiring 100% of Bank Kassa Nova JSC shares belonging to Nova Leasing JSC. “The acquisition of Kassa Nova shall consolidate the group’s banking assets and give customers of both banks the access to product and technology solutions. The banks will work to further improve the synergy and efficiency of their resources,” **Guram Andronikashvili**, Chairman of the Management Board of ForteBank, commented. **Sholpan Nurumbetova**, Chairman of the Management Board of Bank Kassa Nova JSC, confirmed that this event is fully consistent with the Bank’s business development strategy: “The upcoming deal will give an impetus to the growth of business and profitability of Kassa Nova. We are confident that our customer base will not only remain, but also increase due to the strengthening of the position of Kassa Nova in the market of Kazakhstan, thanks to access to ForteBank technologies. And in this, we see good opportunities for confident development.” Bank Kassa Nova JSC will continue to operate as a full-fledged subsidiary bank, and fulfill its obligations to depositors, creditors and investors. The closing of the deal is expected immediately after obtaining the relevant permits of the National Bank of the Republic of Kazakhstan and the permits of other creditors.

ForteBank JSC (Management Board is located at: bldg. 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan) (hereinafter the “Bank”) hereby announces the voting results at the Annual General Meeting of the Bank Shareholders (hereinafter the “Meeting”) held on April 29, 2019 from 10.00 to 11.00 by Nur-Sultan standard time, at the following address: “Astana” Conference Room, 8th floor, bldg. 8/1, Dostyk str., Nur-Sultan city, Z05P1P0/010017, Republic of Kazakhstan. In accordance with the approved agenda, the following issues were considered at the Meeting, and following resolutions were passed based on the voting results. **Issue 1 of the Agenda “On approval of the 2018 annual financial statements of the Bank”** To approve the attached audited annual financial statements of ForteBank JSC for the year ended December 31, 2018, including consolidated ones. **Issue 2 of the Agenda “On approval of the order of distribution of the Bank’s 2018 net income, the amount of the dividend per common share of the Bank”** 1. To approve the following treatment of a part of undistributed profit of ForteBank JSC for 2018: – the amount up to a maximum of KZT 11,600,000,000.00 (eleven billion six hundred million tenge) to be allocated for payment of dividends; – the amount of net income remaining after the payment of dividends to be retained at the disposal of the Bank. 2. To approve the amount of dividend per common share of ForteBank JSC in the amount of KZT 0.127 (twelve point seven tiyn), including the amount of taxes payable in accordance with the laws of the Republic of Kazakhstan. The total amount of dividends payable to each shareholder must be accurate to the integer tiyn (rounding is performed according to the mathematical rounding rules). The rule of mathematical rounding is the method of rounding, when the value of an integer tiyn (integer tiyns) does not change if the first digit after the one being rounded is from 0 to 4, and changes by increasing by one if the first digit after the one being rounded is from 5 to 9. 3. To record the list of shareholders eligible to receive dividends as of May 02, 2019, 00:00 by Nur-Sultan standard time. 4. To determine the date of commencing of dividend payment on common shares of ForteBank JSC – starting from May 03, 2019. 5. To approve the payment procedure – at a time by one payment. 6. To approve the form of payment of dividends on common shares of ForteBank JSC – in non-cash form to the banking details of shareholders in the system of the Bank share holder registers. Banking details: name ForteBank JSC, Certificate of Incorporation No.4241-1900-AO, location: bldg. 8/1, Dostyk str., Nur-Sultan city, Republic of Kazakhstan, Z05P1P0 (010017), BIN 990740000683, BIC IRTYKZKA, correspondent account KZ23125KZT1001300204 with National Bank of the Republic of Kazakhstan Republican State Institution. **Issue 3 of the Agenda “On the Report of the Board of Directors of the Bank for the past financial year”** To approve the report of the Board of Directors of ForteBank JSC for the expired fiscal year. **Issue 4 of the Agenda “On the appeals of shareholders to the actions of the Bank and its officials, and the results of consideration thereof”** To take in consideration the information provided by the Management Board of ForteBank JSC that during 2018, the Bank received 24 appeals from its shareholders regarding accrual and payment of dividends on ForteBank JSC shares, as well as on the sale of ForteBank JSC shares owned by its shareholders, and that following the consideration of these appeals, ForteBank JSC sent letters to shareholders with appropriate explanations. **Issue 5 of the Agenda “On the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2018”** To take into consideration the attached information on the amount and composition of remuneration of members of the Board of Directors and the Management Board of the Bank in 2018. **Issue 6 of the Agenda “On approval of an amendment to the Charter of the Bank”** 1. To approve Amendment No.5 to the Charter of ForteBank Joint Stock Company as amended by Annex 1 hereto, which will enter into force on the date of adoption of the present resolution. 2. To authorize G. Andronikashvili, Chairman of the Management Board (or the person acting as such) to sign Amendment No.5 to the Charter of ForteBank Joint Stock Company on behalf of its shareholders and fulfill other actions associated with the approval of Amendment No.5 to the Charter of ForteBank Joint Stock Company. 3. To approve in all effective internal documents of the Bank as approved by resolutions of the general meeting of shareholders the change of the name of the Republic of Kazakhstan capital, Astana city, in its full, abbreviated and other names in various spelling variants, various letter cases and various grammatical cases to the name of “Nur-Sultan” in the respective letter cases and grammatical cases. 4. To approve in all effective internal documents of the Bank as approved by resolutions of the general meeting of shareholders the change of the name of the street in Almaty city “Furmanov street”, in its full, abbreviated and other names in various spelling variants, various letter cases and various grammatical cases to the name of “Nursultan Nazarbayev avenue” in the respective letter cases and grammatical cases. Total common voting shares of the Bank represented at the Meeting during the whole time thereof – 73,714,243,282 (98.5976 % of the total outstanding common shares).