Financial accessibility is a key component of the Bank's sustainable development, ensuring that a wide range of customers can use banking products and services without financial barriers.

To increase the financial accessibility of the population, the state provides the Bank's customers with a state premium of 20% of the annual savings amount not exceeding 200 MCI (Monthly Calculation Index), which stimulates participation in the housing construction savings system. The Bank bears social responsibility for providing access to financial services and raising awareness about them among the population, including low-income customers, youth, and women.

In 2025, the Bank continued to conduct operational and marketing campaigns aimed at opening deposits, accumulating funds, and obtaining housing loans on preferential terms. A large-scale annual campaign, "State Premium", is conducted to notify depositors of the need to regularly replenish deposits via SMS and push notifications, IVR auto-calls, and an intelligent voice robot.

The Bank actively popularizes the housing construction savings system, informs Kazakhstani citizens about opportunities for participation, and implements major PR and marketing campaigns. In 2025, 96 press releases were prepared, resulting in the publication of more than 700 free materials in the media about state programs, youth initiatives, educational deposits, and other projects of the Bank.

Special attention is paid to international experience exchange and the promotion of sustainable housing finance mechanisms. The Bank organized the International Conference "Housing Construction Savings for Housing: Best Practices and Strategic Leadership in Various Regions" with the support of the International Union for Housing Finance and the European Federation of Building Societies. During the conference, the best international practices for improving housing affordability and developing housing construction savings systems were discussed. Following the event, 23 informational materials were published, including analytical reviews and expert comments.

Also in 2025, the Bank implemented the following measures:

1)   Educational events and improving financial literacy of the population:

-     957 educational events were held to improve the financial literacy of the population, including open lessons for students of educational institutions, lectures for colleges and universities, and seminars for organizations on savings, prudent financial behavior, responsible attitudes toward personal data, and others. A total of 30 993 people took part in these events.

-     materials on financial literacy, warnings about fraudulent schemes, phishing attacks, and digital security measures were regularly published on social networks and the official website of the Bank.

-     tips on personal finance management and saving funds were published on a permanent basis in the Bank's Instagram accounts in 2025, and live Q&A broadcasts regarding the Bank's products and remote services were held.

2)   Development of digital service channels:

-     remote services continued to be improved: online consultations, chatbots, video banking, and digital guides, which contribute to raising the digital and financial literacy of the population.

-     contact service channels were optimized: development of IVR systems and expanding opportunities to receive consultations without waiting for an operator.

-     round-the-clock services for customers were introduced via WhatsApp and the online consultant Quanysh-Ai. SMS and push notifications about remote service options, including opening deposits and conducting transactions without visiting a branch, were regularly sent out.

3)   Accessibility of banking services in remote settlements:

-     jointly with JSC "Kazpost", the "Postman" project was continued, thanks to which residents of remote areas can open deposits and receive mortgage services through remote service channels.

4)   Enhancing customer security and awareness:

-     information on customer data security measures and fraud prevention was regularly posted on the official website and through digital channels.

-     informational sections with answers to frequently asked questions were updated, which contributes to the formation of literate financial behavior among the population.

5)   Stimulating remote application for banking products:

-     throughout 2025, operational campaigns aimed at increasing the share of remote application for banking products and services were continued.