Provides a range of banking and financial services to individuals, small and medium-sized enterprises (SMEs), and corporate clients. Operates through a network of branches and ATMs across Kazakhstan, serving millions of customers. Business lines include retail banking, corporate banking, SME banking, and investment banking. Focuses on developing digital banking solutions and expanding its presence in the payments and e-commerce sectors. Recent initiatives involve partnerships with fintech companies to offer innovative financial products and services. Actively participates in government-sponsored programs to support SMEs and promote financial inclusion throughout the region. Has also expanded into neighboring countries, offering select banking services.