Financial Inclusion

The Bank has an interest and social responsibility to provide access to financial services and raise awareness of the services provided to customers, including low-income customers, youth, women and others.

The Bank consistently undertakes proactive efforts to promote the housing savings system among the population and to raise awareness among Kazakhstanis about the opportunities offered by the Bank. To this end, large-scale PR and marketing campaigns are conducted.

In total, in 2024, the Bank prepared and published 96 press releases in both the state and Russian languages. Topics included the receipt of the government premium, the implementation of government programs, the launch of two new programs Otau and Nauryz, the benefits of the housing construction savings system, the launch of youth programs, and the advantages of the AQYL educational deposit, among others. As a result of these press releases, 912 media publications were released.

Additionally, 12 interviews and media appearances by Bank executives were featured in national media outlets throughout 2024.

On the popular news portal nur.kz, a promotional project was launched to raise awareness about the Nauryz program. A dedicated landing page was developed and launched, featuring information on the program’s conditions and opportunities. Twelve supporting articles were published, sharing success stories from new homeowners and explaining the program’s requirements, application process, points calculation, and more.

On the zakon.kz portal, a promotional project was carried out for the National Fund for Children program and the AQYL educational deposit. Sixteen articles were prepared and published outlining the benefits of saving for education and the opportunities provided by the program.

To further inform customers about the launch of the National Fund for Children! program, in 2024, the Bank conducted regular SMS and push notifications regarding the disbursement of funds from the National Fund to children upon reaching the age of 18. The main message of the campaign was not only to notify recipients of the program’s start and the need to open an account with Otbasy Bank JSC but also to encourage continued saving on the deposit for future real estate purchases or educational expenses.

As part of a pilot project in 2024, Bank employees, in cooperation with the Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan, conducted financial literacy lessons for high school students at a city school, for students of the Almaty Economic College, and for 14 divisions of the state emergency rescue services in Almaty.

Throughout 2024, twelve regional Mortgage Day events were held across various regions of the country, as well as a large-scale forum titled UMAI.

To inform customers about the opportunity to purchase their own housing under affordable terms, the Bank regularly conducts operational and marketing campaigns. These are aimed at encouraging customers to open deposits, accumulate savings, and later obtain loans on preferential terms, including through the Concierge Mortgage service.

Every year at the end of the calendar year, the Bank runs a large-scale marketing campaign titled State Bonus. The objective of this campaign is to notify all depositors who have not yet reached the maximum eligible amount for the government premium about the need to top up their deposits and make regular savings. Customer communication is conducted via SMS and push notifications, IVR-based automated calls, and through an intelligent voice bot.