The total number of Bank employees as of December 31, 2025, broken down by geographical region, gender, age groups, and employment type is presented in the table below

 * Note: The actual headcount of employees includes workers who are on maternity leave, childcare leave for up to 3 years, and leave without pay.

Similar data for 2024 is presented below:

Similar data for 2023 is presented below:

In 2025, the Bank’s budgeted headcount remained unchanged from 2024, standing at 1 584 positions, while the actual active headcount as of the reporting date was 1,536 people. The on-payroll headcount in 2025 amounted to 1 650 people. The on-payroll headcount metric was determined using a refined calculation methodology, which includes all individuals who have an active employment relationship with the Bank as of the reporting date, including employees on maternity leave, parental leave (until the child reaches the age of 3), and unpaid leave.

The growth in headcount was also driven by ongoing HR processes, the temporary replacement of absent employees, and efforts to ensure full staffing across the Headquarters and the branch network.

The percentage of employees hired in the reporting year amounted to 16% of the staff headcount. The competitive selection process for vacant positions at the Bank consists of several stages, including: determining personnel needs, screening candidates and analyzing resumes, conducting preliminary interviews, and professional testing with candidates.

Total Number of New Employees Hired During the Reporting Period

The table below provides the total number of new employees hired during the reporting period and their share of the actual headcount of employees in the corresponding region as of the reporting date (including employees on maternity leave, childcare leave for up to 3 years, and leave without pay), broken down by region:

*The share is calculated based on the on-payroll headcount in the respective region.

The average age of employees is 37 years (37 years in 2024, and 37 years in 2023).

The Bank’s permanent and external staff, as well as consultant agents, include employees with disabilities. More detailed information is provided in the table below

It is also noted that external staff work in various structural divisions of the Bank under service agreements. As of December 31, 2025, the total number of external staff stands at 363 people (compared to 70 people in 2025). External employees carry out their activities in accordance with the Guidelines on the procedure for selecting contractors/assistants for employees and concluding service agreements at the Bank.

The table below provides information on the on-payroll headcount of active employees broken down by employment type.

Information on employee turnover for 2025 is presented in the following table:

* Employee turnover rate (%) is calculated as the total number of employees who left the organization during the reporting year divided by the on-payroll headcount for the reporting year, multiplied by 100%.

** Employee-initiated terminations.

*** Involuntary turnover and other cases (employer-initiated terminations, mutual agreement, reaching retirement age, expiration of employment contract, terminations for cause, transfers, staff redundancy, and circumstances beyond the control of the parties).

**** Employee turnover by age group is calculated as the number of employees who left the organization within a specific age group during the reporting period divided by the on-payroll headcount of that respective age group.

***** Employee turnover by gender is calculated as the number of employees of a specific gender who left the organization during the reporting period divided by the on-payroll headcount of that respective gender.

****** Employee turnover by region is calculated as the number of employees who left the organization in a specific region during the reporting period divided by the on-payroll headcount in that respective region.

Comparable employee turnover data for 2024 are presented below:

Comparable employee turnover data for 2023 are presented below:

Employment relations were primarily terminated by mutual agreement of the parties and on the initiative of employees, as well as on other grounds provided for by law, including the expiration of the employment contract, reaching retirement age, circumstances beyond the control of the parties, transfer to another employer, redundancy/downsizing, and cases of disciplinary offenses.