Business plan

Business plan for 2019
of the Joint-Stock Commercial Bank with the participation of foreign capital “Hamkorbank”


Vision:

Reliable business partner, high-tech and dynamic bank. Leader in providing quality service.

Mission:

Building trusting relationships with clients aimed at long-term and mutually beneficial partnerships, strengthening and expanding their positions throughout the country, improving the professionalism of their employees, improving the quality and adaptability of the services provided, ensuring stable development and profitability through transparent business.

Priorities for the 2019 business plan:

  1. Comprehensive development of the bank while maintaining a leading position in the Market, creating a sustainable business structure.
  2. Priority development and improvement of the retail business. Increased volumes and improved quality of retail services.
  3. Creating the conditions for a phased transition to digital banking.
  4. Ensuring the development and effectiveness of active operations of the bank. Development of microfinance and small lending.
  5. An increase in the share of foreign exchange transactions with the expansion of the range of financial instruments.
  6. Optimization of business processes. Including, by increasing the level of automation, introducing and mastering new innovative technologies, personnel efficiency (labor productivity), attracting new client segments of promising sectors of the economy, developing competitive and attractive products, expanding points of sale.
  7. Improving the process of systemic management of bank resources.
  8. Improving the process of systemic management of bank resources.
  9. Improving the efficiency of the sales system of banking products and services.
  10. Improving management accounting, optimizing the costs of the bank as a whole and in the context of structural divisions of the Head Bank and branches.
  11. Improving the qualifications and professionalism of bank managers and specialists with a reorientation of their efforts to business success.
  12. Improving and increasing the effectiveness of risk management and internal control systems.



Business plan for 2018
of Hamkorbank Joint-Stock Commercial Bank with the participation of foreign capital


In 2018, the bank plans to develop the retail business, increase the level of foreign exchange operations, strengthen the market position and ensure financial growth, increase the efficiency of active operations and points of sale of the bank. And also, the business plan provides for the growth of quality indicators, the creation of a modern risk management system, the implementation of standards and increasing the level of automation of business processes.


Priority Tasks for Achieving Key Targets

  1. Development and improvement of the retail business. Achieving a leading position in the banking market in terms of the volume of retail services provided.
  2. An increase in the volume and share of foreign exchange transactions.
  3. Ensuring the effectiveness of active operations of the bank.
  4. Business automation. Improving the automation of business processes of banks.
  5. Cost optimization. Systematic management of operating expenses.
  6. Creating an effective system of sales of banking products.
  7. Improving deposit and customer policies.
  8. The effectiveness of risk management and internal control systems


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