About bank

Honesty – At the heart of our business is a commitment to honesty. For us, this means always and always taking the right steps, even if no one is watching. At its simplest, it is respect for the laws and regulations of the country in which we operate. Honesty means sticking to a company's code of conduct, even when faced with difficulties. This means never sacrificing the company's interests for personal gain. Honesty means being honest with ourselves, our colleagues, customers and partners and earning their trust.

Quality – Outsiders will always judge us based on the quality of the product we provide or the service we provide. The quality of our work is directly proportional to the dedication and professionalism of our staff. It is impossible to avoid it. We always adhere to the standards we set, we keep our promise day and night - we carefully balance the quality and efficiency to achieve optimal results. Therefore, we strive for new efforts, both individually and as an organization, and constantly strive to learn and improve.

Cooperation – We achieve phenomenal results when we work as a team across departments, business units and countries. When working with our customers, partners and suppliers, we exceed market expectations. The impact of these synergies is many times greater than any individual contribution. Cooperation creates a healthy work environment and leads to higher efficiency. It accelerates problem solving and paves the way for innovation. Trust and respect are nurtured by cooperation.

Entrepreneurial spirit – The world around us is constantly changing, so we often have to work with uncertainty. We are looking for new opportunities and we are ready to take big steps - to do what others do not dare and go where they can not go. Our team is not afraid of difficulties, but sees them as an opportunity for growth. We are not afraid to take on additional responsibilities or to make new efforts. Our staff treats the company with as much care, desire and attention as they can for their own business.

Profitability – We create profits and benefits for our shareholders and, ultimately, for society. In fact, today's profits ensure that the business will be sustainable and competitive in the future. Our staff understands that every manat earned brings value along with every manat saved. At the same time, when pursuing short-term business goals, we never lose sight of our long-term goal (creating and maintaining a sustainable global business). This, in turn, stimulates every strategic decision we target.

• To be a market leader in the retail business

• To pay maximum dividends to shareholders

• To be a role model in corporate governance

• To be the leading banking brand in the region