The Bank conducts its lending activities by providing credit products across all regions of the Republic of Kazakhstan. The primary focus of the Bank's lending operations is the provision of credit products to its clients. The Bank provides the following types of credit products to HCS (Housing Construction Savings) depositors:

1)   Housing loans;

2)   Intermediate housing loans;

3)   Preliminary housing loans.

Credit products are provided on standard terms for all clients of the Bank in the national currency of the Republic of Kazakhstan. Loans are issued to HCS depositors on the basis of housing construction savings agreements and bank loan agreements (housing loans, intermediate housing loans, preliminary housing loans) concluded with them in accordance with the Bank's internal regulations on loan issuance and the Bank's tariff programs.

Lending terms for the Bank's clients regarding credit products are determined by the provisions of the tariff program selected by the client. The utilization periods, interest rates, methods of securing performance under loan repayment obligations, and other baseline conditions for the Bank's credit products and services are established by the tariff programs and other internal regulations of the Bank.

The Bank's interest rate for providing a credit product is determined by the provisions of the HCS agreement. Bank loan agreements must explicitly specify the loan repayment method chosen by the borrower from among those offered by the Bank as of the conclusion date of the bank loan agreement. The interest rate on the loan is set at the time of concluding the housing construction savings agreement and remains fixed throughout the entire term of the agreement. The fixed interest rate is not subject to unilateral modification. Upon the initiative of an HCS depositor to switch from one tariff program to another, the fixed interest rate on the loan may, by mutual agreement of the parties, be adjusted downward or upward during the term of the HCS agreement, provided its conditions are met and in accordance with the legislation of the Republic of Kazakhstan and the Bank's internal regulations.

In bank loan agreements, the Bank specifies the full list of commissions and other fees, as well as their amounts, to be levied in connection with the issuance and servicing of the loan under the concluded agreement.

The Bank reserves the right to charge commissions and other fees but adheres to a policy of minimal tariffs for its services. This approach is aimed at maximizing the recruitment of new clients into the housing construction savings system and contributes to expanding the client base.

In 2025, the following changes occurred in the tariff system:

-     the commission for reviewing loan applications was eliminated;

-     the commission for early termination of a housing construction savings agreement and withdrawal of savings by foster children of orphanages was eliminated.

The Bank publishes information on rates and tariffs for banking and other services provided to individuals and legal entities on its website.

Credit Portfolio and Financing Indicators (SASB)

In order to increase the transparency of disclosure regarding lending activities, the Bank additionally discloses indicators stipulated by the SASB industry standards for commercial banks and mortgage finance.

Detailed information on these indicators, including calculation methodologies and additional disclosures, is presented in the SASB index appended to this Report.

In 2025, the Bank continued to conduct various events and information initiatives aimed at informing clients about the importance of a responsible approach to personal data, promoting prudent financial behavior among the population, raising financial competency levels, and educating clients of various age groups on financial literacy matters.