A significant step in implementing state support measures aimed at improving citizens' housing conditions was granting Otbasy Bank the status of a national development institution. Since May 24, 2025, JSC “Otbasy Bank” has been performing the functions of registering citizens in need of housing, as well as maintaining and administering a unified database of waitlisted individuals. As part of this work, information on citizens previously registered by local executive bodies (Akimats) is verified and updated, identified discrepancies and duplications are eliminated, and data gaps accumulated over previous years are addressed.

          The "Housing Provision Center" (HPC) electronic database of waitlisted individuals is integrated with 14 state information systems and databases. This enables automated data auditing, the generation of a digital family profile, ensures data relevance, and provides a transparent and fair housing allocation sequence.

          Since the Bank was entrusted with the functions of registering citizens in need of housing, a high initial demand for enrollment on the waiting list has been observed. For instance, between May 24 and May 31, 2025, 176,664 people were registered. As early as June, the number of new applicants decreased to 81,317 people, and in subsequent months, the application dynamics stabilized (averaging up to 15,000 citizens per month). The primary increase in the number of waitlisted individuals occurred in May–June 2025, during which 257,981 citizens were registered.

          Since the launch of the HPC in 2025, 367,953 citizens have been registered as in need of housing. This dynamic indicates that the bulk of applications in the initial period was driven by previously unaddressed housing needs of the population. Subsequently, the registration process shifted into a stable and predictable pattern.

          On August 13, 2025, the process of transferring data on citizens registered as in need of housing and previously waitlisted by local executive bodies to the Bank was completed. Records of 642,281 citizens were migrated to the HPC. However, the transferred data had not been properly updated by the local executive bodies (LEBs) in accordance with established procedures, necessitating an additional verification of the records.

          In September 2025, the Bank conducted a pilot allocation of rental housing in Kosshy, Akmola Region. The implementation of the pilot project revealed several systemic issues related to the quality of the waitlist data. Specifically, cases were identified where there was no actual need for housing, where citizens already owned residential property, had changed their place of residence, or had lost the status entitling them to housing, alongside other circumstances affecting their eligibility to participate in housing distribution. Furthermore, a mismatch was revealed between the demand structure and the available housing stock: the building being allocated lacked apartments exceeding 90 square meters required for large families consisting of more than six people.

          The results of the pilot project confirmed the necessity of conducting a thorough inventory of the waitlist. To ensure objectivity, transparency, and fairness in housing allocation, the Bank launched a large-scale inventory and data cleansing process in October 2025 for registered citizens, based on historical data obtained from LEBs.

          On October 20, 2025, the Bank also launched a new mechanism for rental housing allocation, which involves the subsequent collection and processing of personal data of waitlisted individuals to make the final decision on housing provision. During the implementation of this mechanism, certain regulatory issues were identified that required amendments to regulatory legal acts. Consequently, at the Bank's initiative, legislative amendments were introduced to establish a five-working-day deadline for citizens to make a decision regarding an allocated apartment. This provision came into force in December 2025 and enhanced the efficiency of the housing distribution process.

          Throughout the inventory process, the Bank conducted public awareness and outreach campaigns, including phone notifications informing citizens of the need to complete the verification procedure. During this process, numerous instances of outdated contact information—previously provided by LEBs—were uncovered. To expand the reach of these notifications, employees of local executive bodies were engaged in the effort.

          To resolve the issue of outdated contact details, the Bank integrated its systems with the Mobile Citizens Database, which contains up-to-date phone numbers. The implementation of this measure expanded the outreach, increased the number of consents obtained for the collection and processing of personal data, and ensured a more streamlined and effective inventory procedure.

          Thus, in less than a year of operations, the Bank established a complete and objective database of citizens in need of housing, ensuring transparent and centralized tracking of housing demand at the national level.