The Bank acts as one of the main operators for the implementation of the state housing policy. In the reporting year, the Bank implemented special housing programs for social groups such as large families, families raising children with disabilities, persons with disabilities, orphans, recipients of housing payments, youth, women and young scientists, as well as representatives of working professions.

In 2025, two areas of the "Nauryz" program were launched and implemented – "Nauryz Zhumysker" and "Nauryz Askeri". "Nauryz Zhumysker" was implemented within the framework of the "year of working professions" declared by the President of the country and is intended for representatives of working professions from the fields of industry, construction, energy, transport, agriculture and water resources. The lending conditions are completely identical to the "Nauryz" program. Only recipients of housing payments can improve their housing conditions within the framework of "Nauryz Askeri". The implementation of the "Nauryz Askeri" area is carried out without a competition and without ranking, on the basis of lists formed and sent to the Bank by state bodies and departments in which recipients of housing payments serve.

The results for all social programs of the Bank are given in the following table:

The percentage of "social" mortgages in the total portfolio is 43%.

In addition, since 2020, the Bank has been implementing a separate program for children – the children's deposit "ARNAU". The program is designed to accumulate funds for the child's future housing. The advantage of the program is a future simplified procedure for confirming solvency. Also, the deposit is rewarded with a state premium in the amount of 20% of the amount of savings for the year, not exceeding 200 MRP. After reaching the age of 18, the depositor becomes the full owner of the deposit and can use the savings to obtain a preferential housing loan. As of 31.12.2025, 38 611 children's deposits were opened in the Bank for 6.97 billion tenge.

Since 2021, the Bank has been participating in a social project of the state on the use of pension savings exceeding the threshold of minimum sufficiency of pension savings, in order to improve housing conditions and (or) pay for treatment in the manner established by the Social Code of the Republic of Kazakhstan. In total, under the "enpf-otbasy.kz" project, the Bank processed 3 956 921 applications for 5.3 trillion tenge.

Since 2022, the Bank has been implementing a housing rent subsidization program for socially vulnerable groups of the population at the expense of budgetary funds of the state (including local Аkimats). In the reporting year, the Bank continued the implementation of the mechanism for assigning and making payments to certain categories of citizens for housing rented in the private housing stock. In 2025, 10.2 billion tenge was actually allocated, of which 7.6 billion tenge was funds from the republican budget, 2.6 billion tenge was funds from local budgets. The volume of utilized funds amounts to 9.5 billion tenge (7.6 billion tenge and 1.9 billion tenge, respectively). The remainder of unused funds was returned to local budgets. At the end of the reporting year, payments were made on 9 791 applications for 9.5 billion tenge to large families, families raising children with disabilities, orphans, as well as disabled people of groups 1,2.

Since 2023, the Bank has been implementing the state program "With a Diploma to the Village". Within the framework of the program, the Bank is developing remote submission of applications by specialists in the field of healthcare, education, social security, culture, sports and agro-industrial complex, civil servants of the apparatuses of akims of villages, towns, rural districts who arrived for work and residence in rural settlements, and a personal account for local authorities to administer submitted applications. To improve customer service and increase the digitalization of public services, the process was completely transferred to an online format, which allowed saving time for specialists in education, healthcare, agro-industrial complex and program administrators in local executive bodies in submitting and processing applications for receiving budget credits within the framework of rural territory development. As of 31.12.2025, a total of 9 917 credits were issued under the program for a total amount of 70 billion tenge, of which 1 824 credits for the amount of 15.7 billion tenge were issued in 2025 alone.

Since 2024, the Bank has been the authorized operator of one of the key state projects – "National Fund for Children". Within the framework of the "National Fund for Children" project, each child – a citizen of the Republic of Kazakhstan born in 2006 and later, is annually accrued 50% of the investment income of the National Fund. In 2025, a total of 22 270 thousand US dollars was accrued to the accounts of 129 279 children of the Republic of Kazakhstan.

Also, the Bank is a participant in the State Educational Accumulation System "AQYL", aimed at social support for the country's citizens in matters of education. The Bank started opening the educational accumulation deposit "AQYL", the funds of which are under the full protection of the state and are inviolable. Under this project, the Bank provides citizens of Kazakhstan with the opportunity to systematically accumulate funds to pay for vocational, technical and higher education both in the country and abroad at a remuneration rate of 14.9% per annum (EIR 16%) depending on the accumulation period, as well as with an annual accrual of a state premium in the amount of 5-7% per annum (but not more than 100 MRP) depending on the social category of citizens. The deposit provides social support for certain categories of citizens, such as orphans, children left without parental care, people with disabilities, as well as children from large and low-income families. Since the launch of the "AQYL" project, as of 31.12.2025, more than 157 937 deposits have been opened in the Bank, which indicates a high demand for this product among the population.