About the bank

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As of 01.09.2023, savings of depositors are 2 235 billion tenge. For the current year 302 thousand contracts were concluded with a contractual amount of 1 443 billion tenge, 41 thousand of loans for the amount of 689 billion tenge were granted. The amount of current loan portfolio is 3 099 billion tenge.

The bank was provided with loan funds from the National Fund and the state budget in the amount of 670.2.5 billion tenge; as of September 1, 2023, the amount of allocated funds was disbursed in the amount of 567.9 billion tenge.

The Ministry of Finance of the Republic of Kazakhstan allocated funds to the Bank:

- for a total amount of 438.2 billion tenge for the issuance of preliminary and intermediate housing loans to participants in the Nurly Zher Housing Construction Program. As of September 1, 2023, the amount of allocated funds was disbursed to 335.9 billion tenge.

JSC "NUH Baiterek" allocated funds to the Bank:

- for a total amount of 232 billion tenge for the issuance of preliminary and intermediate housing loans to participants in the Nurly Zher Housing Construction Program. To date, the allocated amount has been spent in full.

The Akimat of Almaty city allocated budget funds to the Bank:

- in the amount of 58.9 billion tenge for the issuance of preliminary and intermediate housing loans to participants in the Almaty Zhastary program. As of September 1, 2023, 50.4 billion tenge have been disbursed.
- in the amount of 8.8 billion tenge for the issuance of preliminary and intermediate housing loans to participants in the Bakytty Otbasy program. As of September 1, 2023, an amount of 7.1 billion tenge has been disbursed from the allocated funds.

The Akimat of Astana city allocated budget funds to the Bank:

- in the amount of 80 million tenge for issuing preliminary housing loans. To date, the allocated amount has been spent in full.
- in the amount of 3.5 billion tenge for the issuance of preliminary housing loans within the framework of the “Elorda Zhastary” program. To date, 2.2 billion tenge have been disbursed.
- within the framework of the Bank’s regional program for lending to citizens of the Republic of Kazakhstan as part of the social policy of local executive bodies, 1 billion tenge was allocated.

As of September 1, 2023, as part of the implementation of regional youth programs, the following was allocated:

- for lending to participants in the Preferential Lending Program for Youth of the Zhabyl Region “Aulieata Zhastary” - 1.5 billion tenge, of which 482.8 million tenge were disbursed.
- for lending to citizens under 35 years of age within the framework of the “Karagandy Zhastary” program - 1 billion tenge, which have been disbursed in full.
- for lending to orphans and children without parental care under the Corporate Program, the akimat of the city of Uralsk allocated 0.5 million tenge, which were disbursed in full.
- for lending to the youth of Atyrau under the “Corporate” program - 1 billion tenge, of which 876.7 million tenge were disbursed.
- for lending to participants in the Bank’s Regional Program for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of local executive bodies in Kostanay - 1.6 billion tenge.
- for lending to citizens of the Republic of Kazakhstan, the akimat of the Burlinsky district of the West Kazakhstan region allocated 440 million tenge, of which 198 million tenge were disbursed.
- for lending to young specialists in Kostanay - 350 million tenge, which were disbursed in full.
- for lending to young specialists in the Almaty region - 600 million tenge, of which 326 million tenge were disbursed.
- for lending to orphans and children without parental care in the Zhetisu region and for lending to adults aged 18 years and older in the city of Taldykorgan - 400 million tenge, of which 9.4 million tenge were disbursed.
- for lending to youth of the Aktobe region - 300 million tenge, which were disbursed in full.
- for lending to participants in the Bank’s Regional Program for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of local self-governments under the “Abai Zhastary” program - 573 million tenge, of which 510.3 million tenge were disbursed.
- for lending to employees of the RGU “Fire extinguishing and emergency rescue services of the Emergency Situations Department of the Abay region of the Ministry of Emergency Situations of the Republic of Kazakhstan” the akimat allocated 90 million tenge, of which 10 million tenge was taken.
- for lending to youth within the framework of the Bank’s Regional Program for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of the local self-government organization “Ulytau Zhastary” - 500 million tenge, which were disbursed in full.
- Akimat of Zhambyl region within the framework of the Bank’s Regional Program for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of local executive bodies - 1 billion tenge.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of the local government by the Akimat of Temirtau - 200 million tenge, which was disbursed in full.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of the local government administration by the akimat of Shymkent - 3 billion tenge.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of the local government administration by the akimat of Ekibastuz - 100 million tenge.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of local executive bodies by the akimat of the Kyzylorda region - 1,200 million tenge.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of local executive bodies by the akimat of the Pavlodar region - 345.5 million tenge.
- for lending to citizens of the Republic of Kazakhstan within the framework of the social policy of the local government by the akimat of Aksu - 0.54 million tenge.

Over the course of its entire activity "Otbasy bank" JSC constantly works on improvement of services and their quality. By terms of savings deposit programs of the Bank vary from 3 to 15 years, whereas terms for granting of housing loans vary from 6 to 25 years. It should be noticed that the State provides financial support for housing construction savings system via paying bonuses to depositors by deposits in "Otbasy bank" JSC. Annual bonus granted by the State is 20% of the total amount of incentive deposit (but not more than 200 minimum calculation indexes).

Providing the own housing for Kazakhstani families and increasing the sense of Homeland

STRATEGIC VISION

Currently the international rating agencies assigned to the Bank the following ratings.

In accordance with Fitch Ratings credit opinion dated 01.03.2022

In accordance with Moody's credit opinion dated 28.07.2017

European Federation of Building Societies (EFBS)

International Union for Housing Finance (IUHF)

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Review of the results of independent diagnostics of corporate governance

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Organizational structure

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Report on the sustainable development
of Otbasy Bank JSC for 2020

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