Directors and employees of the Bank shall always be guided by the following values:

• Treat depositors' money as a trust which must be protected.
• Achieve high level of productivity in business processes with maximum use of Information Technology.
• Strive for on-going innovation in products and services.
• Emphasize speed and simplicity in deployment of new products and services.
• Focus on customer service and customer satisfaction as the key measures of performance.
• Recruit, develop, and retain high-potential people who have the same values and beliefs as ours, and find it natural to communicate and cooperate with their colleagues and customers.
• Always stay directly "connected" with colleagues and customers, and protect the organization from proliferation of paperwork and bureaucracy.