Annual report
2025
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Mission and Vision
Mission and Vision
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Contens
Key Performance Indicators
Message from the Chair of the Board of Directors
Message from the Chair of the Management Board
Key Events of the Reporting Year
About the bank
About the Bank
State Policy of the Housing Construction Savings System
Activities as a National Development Institution
Chronology of the Bank's Development
Market Presence
Membership in International Organizations
Memorandums of Cooperation
Sole Shareholder
Structure of the Head Office
Economic Environment
Strategy
Mission and Vision
Values
Performance under Strategic Objectives in 2025
Expanding Access to Financial Services
Core Business Performance
Operational Performance
Results of Financial Activity
Corporate governance
Information on Securities
Description of the Corporate Governance System
Corporate Governance Structure
Board of Directors
Composition of the Board of Directors
Board Structure
Performance Results of the Board of Directors and Committees under the Board of Directors
Committees under the Board of Directors
Evaluation of the Board of Directors
Management Board
Committees Reportable to the Management Board
Results of the Activity of the Management Board and Committees Reportable to the Management Board
Main Principles of Remuneration for Members of the Management Board and the Board of Directors
Business Ethics
Conflict of Interest
Sustainable Development Management
Internal Audit
External Audit
Interaction with Stakeholders
Protection of Client Privacy
Risk management polIlicy and internal control system
Internal control system
Risk Management
Social responsibility
Employment
Personnel Composition and Structure
Labor Relations Practices
Employee-Management Relations
Training and Education
Remuneration of Bank Employees
Employee Motivation
Social Protection
Diversity and Equal Opportunities
Gender Policy
Diversity and Inclusion
Human Rights Compliance
Prevention of Discrimination
Ensuring Occupational Health and Safety, Civil Defense, and Fire Safety
Sponsorship and Charity
Anti-Corruption
Compliance with Legal Requirements
Economic Performance
Environmental friendliness
Energy Consumption and Energy Efficiency
Water Consumption
Waste Management
Environmental Protection
Greenhouse Gas Emissions and Other Pollutants into the Atmosphere
Procurement
Climate change
Management of Climate Change, Risks, and Opportunities
Strategic direction (transformation taking into account the climate agenda)
Impact of climate risks on the Bank's portfolio
Indicators and targets
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