Corporate Governance Structure

In accordance with the laws of the Republic of Kazakhstan, the Bank’s organizational structure includes the following governing bodies:

• the supreme governing body – the Sole Shareholder;
• the governing body – the Board of Directors;
• the executive body – the Management Board;
• the body responsible for oversight of the Bank’s financial and operational activities – the Internal Audit Unit;
• other permanent collegiate bodies of the Bank established in accordance with the laws of the Republic of Kazakhstan and the Bank’s internal documents to support specific areas of the Bank’s operations.

Transparency and Efficiency of Information Disclosure Processes

In its operations, the Bank adheres to principles of reliability, trust, and high standards in its relationships with customers and partners, ensuring business transparency and sound corporate governance. The Bank’s information resources meet the requirements of openness and accessibility.

Each quarter and at year-end, the Bank’s website publishes information on the balance sheet and the income and expenditure statement, along with updates on the procurement of goods, works, and services. Financial statements audited by independent external auditors are also made publicly available.

A dedicated webpage provides information specifically for the Sole Shareholder.

In addition, the site features details on the Bank’s core activities, the annual report, significant corporate events, the structure of the Board of Directors and the Management Board, existing vacancies, a list and addresses of branches, a list of the Bank’s affiliates, shareholder and partner information, and the Bank’s strategic development plans.

The Bank maintains a dedicated webpage with contacts for reporting fraud and corruption (https://hcsbk.kz/ru/hotline/). Reports can be submitted via email at [email protected] or by post to the following address: 91 Abylai Khan Avenue, Almaty, 050000, Republic of Kazakhstan, addressed to the Head of the Security Department (marked “Confidential – To be opened by the addressee only”). The Bank’s fraud and corruption hotline is +7 (727) 330-94-82.

For Bank customers, the contact page at https://hcsbk.kz/ru/contacts/ provides information about branches, access to online consultants, the citizen reception schedule, and the Bank’s hotline.

A separate section of the website is dedicated to sustainable development and the Bank’s contribution to the achievement of the United Nations Sustainable Development Goals: https://hcsbk.kz/ru/ustoychivoe-razvitie/vklad-banka-v-dostizhenie-tsur-oon/.

To ensure the Bank’s transparency, strengthen its reputation, and shape positive public perception, press releases about the Bank’s products, housing programs, and promotions are regularly published in the media.

In 2024, the composition of the Bank’s Public Council was renewed to include representatives from civil society, including those advocating for socially vulnerable groups.

When disclosing information, the Bank complies with the statutory regulations on the safety of banking, commercial and other legally protected secrets.