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Development strategy

The strategy of Xalq Bank is built on the following principles:

Financial management:

  • Asset and liability management
  • Liquidity management
  • Effective management of balance sheet capital
  • Effective management of attracted capital
  • Risk management
  • Loan portfolio management
  • Creating effective internal bank control

HR Management:

  • Be a part of professional team

Strategic Direction:

  • Strengthen the position on the banking market
  • Enter new markets
  • Collaborate with international financial institutions
  • Optimize business processes
  • Minimize risks by constant control  and improvement of evaluation system  (stress-tests)
  • Introduce new competitive products and services
  • Increase the income and revenue

Methods of implementing the Bank's Development Strategy:

  • Continue to conduct advertisement campaigns that promote a positive image of the Bank
  • Attract on beneficial basis long-term resources and place them with maximal profit for the Bank
  • Expand and efficiently manage the branch network
  • Develop sales network, ATM and alternative channels
  • Optimize costs