In accordance with the legislation of the Republic of Kazakhstan, the organizational structure of the Bank consists of the following governing bodies:

-     highest body – Sole Shareholder;

-     governing body – Board of Directors. Under the Board of Directors of the Bank, 4 committees function: the Audit Committee (reviews issues on financial control, internal and external audit, financial reporting, and risks), the Strategic Planning and Corporate Development Committee (reviews issues on strategic development, investment and financial activity, corporate governance, and sustainable development), the Risk and Internal Control Committee (reviews issues on risks, internal control, compliance, and financial stability), and the Personnel, Remuneration, and Social Issues Committee (reviews issues on personnel appointments, motivation, and corporate governance);

-     executive body – Management Board. Under the Management Board of the Bank, 11 committees operate: the Committee for Strategy and Corporate Development, the Asset and Liability Management Committee, the Committee for Banking Products, Processes, and Service Quality, the Credit Committee, the Information Resources Committee, the Budget Committee, the Controlling Committee, the Personnel Committee, the Information Security Committee, the Risk Committee, and the Commission for Determining Value and Reviewing Issues on Deregistration of Fixed Assets, Intangible Assets, and Stale Inventory;

-     body exercising control over the financial and economic activities of the Bank – internal audit unit;

-     other standing collegiate bodies of the Bank, established in accordance with the legislation of the Republic of Kazakhstan and internal documents of the Bank for the implementation of various lines of the Bank's activity.

Relationships between the Board of Directors and the Management Board of the Bank are an integral part of corporate governance and are regulated according to the current legislation of the Republic of Kazakhstan. The rights, duties, and competencies of the Board of Directors and the Management Board are determined and secured in internal and constituent documents, such as the Charter, the Corporate Governance Code, as well as the legislation and regulatory acts regulating the activity of banks in the Republic of Kazakhstan.

 

Transparency of the Bank and Efficiency of Information Disclosure Processes

In its activity, the Bank adheres to the principles of reliability, trust, and high quality in relationships with clients and partners, transparency of business, and corporate governance. The information resources of the Bank satisfy the requirements of openness and accessibility.

On the internet resource of the Bank, information on the balance sheet, the income and expense statement is published quarterly and based on the results of the year, and information on the procurement of goods, works, and services is posted. Financial statements with the conclusion of external auditors are also published.

Information for the Sole Shareholder is also published on a separate landing page of the website.

Additionally, information on the core activity of the Bank, the annual report, information on material events in the activity of the Bank, on the structure of the Board of Directors and the Management Board, information on existing vacancies, the list and addresses of branches, the list of affiliated persons of the Bank, information on shareholders and partners of the Bank, and its strategic development is posted.

On the internet resource of the Bank, there is a separate landing page with contact details for appeals of citizens on issues of fraud and corruption (https://hcsbk.kz/ru/hotline/). Appeals on corruption are accepted at the e-mail address: [email protected], and postal address: Republic of Kazakhstan, 010000, city of Astana, Korgalzhyn Hwy, bldg 2A, to the head of the security unit (marked "personal"). The helpline on issues of fraud and corruption in the Bank is: +7 (727) 330-94-82.

For clients of the Bank, information on branches, on the possibility to contact online consultants, the schedule of reception of citizens, and the helpline can be found on the contacts landing page https://hcsbk.kz/ru/contacts/.

A separate section on the internet resource of the Bank is dedicated to sustainable development and the contribution to achieving the UN Sustainable Development Goals https://hcsbk.kz/ru/ustoychivoe-razvitie/vklad-banka-v-dostizhenie-tsur-oon/.

To ensure the informational transparency of the Bank, increase its business reputation in society, and form a positive public opinion, press releases on the products, housing programs, and promotions of the Bank are published in the media on a permanent basis. When posting information, the Bank complies with the norms of legislation on preserving banking, commercial, and other secrets protected by legislation.