Development

The Bank's Strategy for 2025-2028 reflects the Bank's aspiration to achieve and maintain a strong position in the banking services market as a reliable, modern financial institution providing a wide range of banking services, to increase the Bank's presence in all client segments of banking services, and to expand its branch network.

The main strategic tasks and goals of the Bank are:

1. Strengthening market position and ensuring sustainable growth of key performance indicators
- Actively attract new clients and retain existing ones by improving service quality, implementing innovative products and digital services.
- Developing unique competitive advantages, including through improving product lines and personalized offers.
- Expanding strategic partnership, attracting additional financial resources, and strengthening positions in priority sectors of the economy.
- Increasing the bank's market share in terms of asset volume, loan portfolio and deposit base, as well as capitalization and investment portfolio.
2. Development of a business model and increasing competitiveness
- Improving the product line, diversifying financial services, taking into account the specifics of targeted customer segments.
- Development of digital sales and service channels, transition to an omnichannel model of customer interaction.
- Optimizing pricing approaches and implementing package offer models to increase value proposition.
- Forming a comprehensive model of interaction with clients, allowing for the satisfaction of most of their needs in the field of financial services.
3. Customer Experience Development
- Increasing the level of customization of banking services by implementing data analysis technologies.
- Improving the feedback and customer analytics system for prompt response to consumer inquiries.
- Developing digital solutions, accelerating service processes and improving the convenience of working with the bank.
- Developing a client management system to foster long-term partnerships with key clients.
4. Improvement of the operating model
- Optimization of business processes and operating expenses, increasing the efficiency of internal procedures.
- Introduction of modern corporate governance methods, development of the internal control and reporting system.
- Strengthening the role of collegial bodies in strategic planning and monitoring key performance indicators.
- Automation and standardization of banking products to improve operational efficiency.
5. Technological improvement and digital transformation
- Expanding the functionality of the Automated Banking System (ABS) and developing payment solutions, including VISA Processing and Open API.
- Strengthening cybersecurity measures, protecting personal data, and developing anti-fraud systems.
- Developing infrastructure, increasing server capacity, applying Big Data, AI, and machine learning technologies for analysis and forecasting.
- Improvement of telecommunications infrastructure and technical means to enhance the reliability of banking services.
6. Increasing social activity and sustainable financing
- Implementing sustainable development principles, developing ESG initiatives, and working to improve ESG ratings.
- Expansion of financing for projects in the field of modernization, technical re-equipment, and green economy.
- Support for small and medium-sized businesses, development of lending programs for private entrepreneurs and social projects.
- Participating in the financial support of small businesses and private entrepreneurship, developing specialized lending programs.
7. Development of the corporate governance and risk management system
- Ensuring transparency and accountability in decision-making at all levels of management.
- Development and implementation of a comprehensive risk management system, including modern models for assessing credit risks and automated scoring.
- Improving internal audit and control mechanisms to minimize operational and legal risks.
- Expanding cooperation with credit history institutions and applying advanced scoring models to improve the quality of the loan portfolio.
8. Development of personnel and human capital
- Creating a modern human resource management system that includes motivation, KPI, and performance evaluation.
- Developing leadership, mentoring, and personnel reserve programs.
- Implementing flexible project management methodologies (Agile, Scrum) and developing employees' competencies in digital technologies.
- Developing corporate culture and ensuring employee career growth, attracting highly qualified specialists to key areas.
9. Expansion of international cooperation and investment attractiveness
- Development of a network of correspondent relations with foreign banks and international financial institutions.
- Attracting and utilizing credit lines (ADB, IDB, ICRC) to finance strategically important projects.
- Improving the bank's international rating and image, enhancing its investment attractiveness, and working with potential strategic investors.