In 2025, the Bank allocated 14.73 billion KZT of its own funds toward the development of "green" mortgage lending, reaffirming its strategic commitment to the principles of sustainable finance.

The Bank received the industry accolade Green Awards 2025 in the "Iconic Partnership" category for its contribution to the development of the "Green Mortgage" program and the promotion of sustainable construction in Kazakhstan. The award was presented by KazGBC during the anniversary Green Build Central Asia 2025 Forum and validates the Bank’s strategic approach to energy-efficient solutions, industry environmental standards, and shaping demand for "green" homes.

As part of the implementation of its environmental policy, the Bank, together with its branch network, carried out tree-planting initiatives. During the reporting period, 270 trees were planted, contributing to the reduction of the carbon footprint and the creation of a favorable urban environment.

Throughout the reporting year, the Bank actively worked on developing and expanding its product line, specifically:

– New tracks of the "Nauryz" program were launched: "Nauryz Zhumysker", which covers workers in industry, construction, energy, transport, agriculture, and water resources; and "Nauryz Askeri", designed for recipients of housing payments.

- The "Maman" regional program was launched with the support of the Akimat of the Zhetisu Region, aimed at supporting specialists engaged in key sectors of the region's social and economic life (representatives of education, healthcare, culture, sports, energy sectors, and mass media).  

- The "Alatau" regional program was launched with the support of the Akimat of the Almaty Region, aimed at supporting social sector workers and civil servants. The program covers personnel in healthcare, education, culture, sports, energy, public utilities, and the social sphere, as well as civil servants (excluding security forces personnel receiving housing payments).

- A cooperation agreement was signed with the Akimat of the Akmola Region within a pilot project to provide preferential mortgage loans at interest rates not exceeding 2% and 5% per annum.

- On January 10, 2025, the Law of the Republic of Kazakhstan “On Amending and Supplementing Certain Legislative Acts on Issues of the State Educational Savings System” came into force, introducing the "Keleshek" Unified Voluntary Savings System, with the Bank acting as one of the authorized operators. Within this "Keleshek" savings system, children turning 5 years old in 2025 are credited with initial educational capital.

- The issuance of preliminary housing loans under the "Askeri Baspana" program (formerly "Zhana Baspana" / Military Product) was resumed for recipients of housing payments.

At the beginning of 2025, the Bank ensured the transfer of funds from the National Fund of the Republic of Kazakhstan to the accounts of Kazakhstani children based on the results of 2024. A total of 22 270 thousand USD was credited to the accounts of 129 279 children across the Republic of Kazakhstan.

On May 24, 2025, acting in its capacity as a national development institution, the Bank commenced the execution of new functions to register citizens of the Republic of Kazakhstan and kandases (returnees) in need of housing in the "Housing Provision Center" electronic database, pursuant to the Law of the Republic of Kazakhstan “On Amending and Supplementing Certain Legislative Acts on Issues of Housing Policy Reform”. In August 2025, the Bank finalized the transfer of the unified national database of housing applicants from local executive bodies and Concordia LLP, ensuring centralized data consolidation. As of the end of 2025, 1 008 152 people were registered as in need of housing, of whom 367 953 citizens were registered directly by the Bank since the transfer of functions. List inventorying and updating of those in need are carried out on a continuous basis.

During the reporting year, the Bank mobilized 75.9 billion KZT from local budgets to implement social housing programs.

In February 2025, 2 134 279 Kazakhstanis received the state premium credited to their accounts at Otbasy Bank. A total of 92.9 billion KZT was transferred to depositors (based on the results of 2024).

Throughout 2025, specialized trading sessions were held on the KASE platform for the placement of the Bank's social bond issues, which successfully raised 282 billion KZT to finance participants of the "Nauryz" housing program.

In 2025, the Bank upgraded its ESG rating, assigned by the international rating agency Sustainable Fitch, from 55 to 60 points while maintaining the level at "3". This score increase reflects the Bank’s systemic approach to sustainable development, the transparency of its ESG information disclosure, and the social impact of its business, including the publication of Scope 1, 2, and 3 greenhouse gas (GHG) emissions data and the expansion of gender equality and labor remuneration indicators.

During the reporting year, the Bank approved its Sustainability Strategy, establishing a systemic approach to managing environmental and social risks, developing green finance, and enhancing the transparency of corporate governance. The document is integrated into the Bank's overarching development strategy and defines key ESG targets through to 2030.

In 2025, the Bank implemented a comprehensive set of educational initiatives aimed at increasing financial literacy and fostering responsible financial behavior among the population. As of December 31, 2025, 957 open classes and lectures were organized for students at schools, colleges, universities, and corporate employees. The events were attended by 30 993 people.

Together with the Ministry of Labor and Social Protection of the Population of the Republic of Kazakhstan and the ITeachMe Fund, the Bank held an online meeting aimed at increasing the accessibility of housing instruments for socially vulnerable segments of the population. Participants were provided with detailed explanations regarding the terms of housing programs and opportunities for building savings.