Annual Report 2024
Turning the Dream of Home into a Goal
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Key Indicators
Address of the Chair of the Board of Directors
Address of the Chair of the Management Board
Key Events of the Reporting Year
About the Bank
About the Bank
State Policy on the Housing Construction Savings System
Bank Development Timeline
Market Presence
Membership in International Organizations
Memoranda of Cooperation
Sole Shareholder
Central Office Structure
Economic Environment
Strategy
Mission and Vision
Values
Progress on Strategic Priorities in 2024
Core Business Performance
Expanding Access to Financial Services
Operational Performance
Financial Performance
Corporate Governance
Information about Securities
Description of the Corporate Governance System
Corporate Governance Structure
Board of Directors
Composition of the Board of Directors
Composition of the Board of Directors
Performance of the Board of Directors and Committees under the Board of Directors
Committees under the Board of Directors
Evaluation of the Performance of the Board of Directors
Management Board
Committees Reporting to the Management Board
Performance of the Management Board and Committees Reporting to the Management Board
Basic Principles of Remuneration of the Management Board and the Board of Directors Members
Business Ethics
Conflict of Interest
Sustainable Development Management
Internal Audit
External Audit
Stakeholder Engagement
Customer Privacy
Risk Management Policy and Internal Control System
Internal Control System
Risk Management
Social Responsibility
Employment
Staff Composition and Structure
LABOR RELATIONS PRACTICES
Labor/Management Relations
Training and Education
Remuneration of Bank Employees
Incentives to Bank Employees
Social Protection
Diversity and Equal Opportunity
Gender Policy
Diversity and Inclusion
Respect for Human Rights
Non-Discrimination
Occupational Health and Safety, Civil Defense, and Fire Safety
Sponsorship and Charity
Anti-Corruption
Compliance with Laws
Economic Performance
Environmental Responsibility
Energy Consumption and Energy Efficiency
Water Consumption
Waste Management
Environmental Protection
Greenhouse Gas Emissions and Other Air Pollutants
Procurement Practices
Climate Change
Climate Change
Climate Change Management: Risks and Opportunities
Strategic Direction (Transformation in the Context of the Climate Agenda)
Effect of Climate-Related Risks on the Bank’s Portfolio
Metrics and Targets
Appendix
Contacts
Memoranda of Cooperation
