About bank

Integrity – is the cornerstone of our business. To us, this represents an unwavering commitment to do the right thing, consistently and unfailingly, even in the absence of oversight. At its essence, this entails ensuring compliance with the laws and regulations of the jurisdictions where we operate. Integrity entails upholding the company's code of conduct steadfastly, even when facing challenges. It mandates prioritizing the company's interests above personal gain. Integrity involves being truthful with colleagues, our customers, partners, and ourselves thereby earning their trust. Our objective is to cultivate honesty, transparency, and clarity in our relations with customers. Across all our endeavors, the Bank consistently communicates the pertinent benefits and risks linked to our products and services. 

Quality – outsiders assess us based on the quality of the products or services we offer. The quality of our work is intricately tied to the dedication and professionalism demonstrated by our staff. We cannot ignore this. We consistently adhere to the standards we've established, fulfilling our commitments day and night. We meticulously balance quality with efficiency to attain the best possible outcomes.Hence, we pursue fresh ventures, both as individuals and as an organization, continuously striving to learn and develop ourselves. The cornerstone of our success lies in satisfied customers, who empower us to sustain a profitable business. Our goal is to improve the quality of our relations with customers at all levels of the ecosystem. We want to ensure that both our existing and potential customers continue to choose us every day because they sincerely believe in the best offerings, quality, and long-term partnerships we provide.

Collaboration – We achieve extraordinary results when we function as a unified team across departments, business units, and countries. By collaborating with our customers, partners, and suppliers, we consistently surpass market expectations. The combined impact of these synergies by far exceeds any individual contribution.Collaboration cultivates a healthy work environment and promotes efficiency. It expedites problem-solving and fosters innovation. Cooperation leads to trust and respect. Working collectively as a unified team across the ecosystem for the benefit of customers and stakeholders exemplifies group-level collaboration at its finest. We engage in mutual learning, share best practices, and facilitate interaction with partners, all while considering the interests of every company involved in the ecosystem and the Group.We are committed to contributing to the growth of the country's economy and the development of companies while fostering trust among all parties involved in cooperation.

Entrepreneurial Spirit – the world around us changes constantly, necessitating our frequent engagement with uncertainty. We actively seek for new possibilities and fearlessly embrace serious steps, venturing into territories others may avoid. Our team faces challenges without fear and sees them as opportunities for further growth. We fearlessly embrace responsibility, always willing to go the extra mile and make new efforts. Our staffs treat the company with the same care, dedication, and attention as they would their own business. We consistently assume responsibility and actively seek out new opportunities to enhance the quality of our products and customer experience, while prioritizing the preferences of our customers. We understand the challenges faced by our customers, partners, and colleagues, approaching them as if they were our own personal issues and work diligently towards finding reasonable solutions to address them.

Profitability – We generate returns for our shareholders and contribute to the benefit of society. Indeed, the profits we earn today ensure the sustainability and competitiveness of our business in the future. Our team recognizes that every earned manat carries value, just as every saved manat does. While we pursue short-term business objectives, we remain steadfast in our commitment to our long-term goal: building and sustaining a global business that is sustainable. This guides every strategic decision we make. For us, profitability extends beyond mere financial gains; it involves comprehending a client's overall turnover and profitability and assisting them in effectively managing relevant profitability. At the same time, profitability for us entails delivering solutions and benefits to customers that align with their behavior and the strategic objectives of the ecosystem. We are committed to investing in mutually beneficial relationships with our customers, fostering long-term loyalty as a pathway to profitability.