The Bank constantly works to ensure equal access to its services for all Kazakhstanis in all regions of the country. Due to its retail customer-centric focus, the Bank has an extended branch network, as well as a network of customer service centers/points. The Bank is present in all regions of Kazakhstan.

The Bank strives to ensure that branches are located as conveniently as possible for customers from the perspective of their residence, studies, and work, taking into account transport and social infrastructure.

Along with developing the physical infrastructure of branches and the agent network, and understanding that under the current realities of financial services development in Kazakhstan and worldwide, the Bank actively works on developing modern customer service methods, including the development of its own sales and customer service channels and instruments. The Bank is actively expanding its presence in the internet space, working on the development of internet and mobile devices to transfer simple and everyday operations online.

Today, the developed infrastructure of the Bank helps accelerate the process of providing housing to the citizens of Kazakhstan.

In 2025, the following changes occurred in the Bank's branch network:

1. Change of branch locations:

·  Kyzylorda branch – new address: Republic of Kazakhstan, N02B5H4, Kyzylorda region, Kyzylorda city, 2 Zharkynbayev St.;

·  Almaty regional branch – new address: Republic of Kazakhstan, B10E3T2, Almaty region, Konaev city, 7/2 D.A. Kunaev Ave.;

·  East Kazakhstan regional branch – new address: Republic of Kazakhstan, F02B1E4, East Kazakhstan region, Ust-Kamenogorsk city, 25/1 Golovkov St.

2. Closure of branches:

·  Service Center No. 1 of the West Kazakhstan regional branch, located at: Republic of Kazakhstan, L02K4K5, West Kazakhstan region, Uralsk city, 111 Manshuk Mametova St.;

·  Service Center No. 2 of the East Kazakhstan regional branch, located at: Republic of Kazakhstan, F02G3K3, East Kazakhstan region, Ust-Kamenogorsk city, 2 Michaelis St.;

·  Service Center No. 2 of the Aktobe regional branch, located at: Republic of Kazakhstan, D00M6G2, Aktobe city, 249 Sankibay Batyr Ave.

According to the minutes (unnumbered) of the meeting on certain issues of the housing and construction industry dated June 3, 2024, regarding the ongoing work on rebooting operations with a refocus on single-industry towns (monotowns), district centers, and villages, 168 consultation centers were opened in single-industry towns and villages. Work was carried out to strengthen the attraction of citizens living in rural areas to participate in the "Otau" and "Nauryz" preferential programs, including through extensive media coverage.