1. Finance Committee

The functions of the Finance Committee are to ensure an optimal balance between liquidity and profitability while maintaining adequate solvency of the bank.

The Committee's main tasks are:

• participating in the development of the bank's business plan and policies;

• developing and implementing methods, schemes, and mechanisms for optimizing the structure of the bank's assets and liabilities, ensuring control and analysis of the profitability of active operations and the cost of passive operations conducted at the bank, in combination with their liquidity;

• organizing, coordinating, and conducting analytical work at a level that ensures the receipt of adequate information for making timely management decisions regarding the management of asset-liability operations;

• organizing and coordinating the development of innovative projects to ensure the bank's attractiveness in the banking services market and the financial market.

2. Digital Banking Development Committee

The Committee's objective is to ensure transparent project activity, control over Project processes, as well as to ensure an understanding of the effectiveness of investments in IT architecture, products, and process digitalization, in order to implement the objectives of the Bank's development strategy, digital transformation, and innovative development. Facilitating the implementation of Projects aimed at developing the Bank, developing digital banking, and analyzing, improving, and strengthening the digital banking development system for the banking group.

3. Corporate Lending Credit Committee of the Bank

The Committee's main objective is to implement the Bank's Credit Policy and form the Bank's corporate lending credit operations portfolio at an acceptable level of risk in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan.

The Committee's main tasks are:

• reviewing matters related to corporate lending to legal entities and individual entrepreneurs operating without forming a legal entity;

• implementing measures to reduce possible financial losses on credit operations;

• monitoring the state of the bank's Banking Service Center credit portfolio for credit operations;

• minimizing credit risk and improving the efficiency of the bank's Banking Service Center resource use, in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan;

• monitoring the effectiveness of the credit risk management process at the bank's Banking Service Center in terms of corporate lending, in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan.

4. Retail Lending Credit Committee of the Bank

The Committee's main objective is to implement the Bank's Credit Policy and form the Bank's retail lending credit operations portfolio at an acceptable level of risk in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan.

The Committee's main tasks are:

• reviewing matters related to retail lending to individuals;

• developing procedures and methods of internal control over the state of the retail credit portfolio for credit operations;

• minimizing credit risk and improving the efficiency of the Bank's resource use, in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan;

• monitoring the effectiveness of the Bank's credit risk management process in terms of retail lending, in accordance with the Bank's Credit Policy, the bank's local acts, and the current legislation of the Republic of Uzbekistan.

5. Small Lending Credit Committee

The main goal of the Committee is to implement the bank's credit policy and form a portfolio of credit operations for small loans with an acceptable level of risk.

6. Operative Small Lending Credit Committee

The primary objective of the Operational Committee is the implementation of the bank's credit policy and the formation of a portfolio of credit operations for small loans with an acceptable level of risk.

7. HR Committee under the Board

The main objective of the HR Committee under the Management Board is to implement the bank's HR Policy.

The main tasks of the HR Committee under the Management Board are:

• implementing key provisions in the field of managing and developing the bank's personnel;

• monitoring and optimizing the headcount of the bank's employees and its structural divisions in order to effectively fulfill assigned tasks;

• establishing/revoking/reducing/increasing allowances to official salaries and other types of payments for employees of the bank and its structural divisions within its competence;

• monitoring compliance with corporate values and performance and labor discipline by employees of the bank and its structural divisions;

• reviewing personnel matters requiring a collegial decision.

The competence of the HR Committee under the Management Board covers the assessment, remuneration, disciplinary action, and development programs of the following managers and other employees, excluding employees falling under the competence of the HR Committee under the Bank's Supervisory Board:

• employees of the Head Office, the Central Operations Department (hereinafter COD), and the Banking Services Center;

• employees of the bank's branches included in the Head Office's nomenclature;

• heads of structural divisions of the bank's branches (departments, divisions).

Holding the above-mentioned employees financially liable and applying disciplinary measures and measures of influence (warning, deprivation/reduction of allowance, deprivation/reduction of bonus) for misconduct is carried out on the basis of a decision of the HR Committee in accordance with the bank's current local acts and current legislation.

8. Tender Commission

The primary objective of the Commission is to exercise general control, coordinate, and organize the conduct of tenders, as well as procurement without conducting tenders, within the powers defined by the Bank's Procurement Policy.

9. Competition Commission

The primary objective of the Commission is to exercise general control, coordinate, and organize the conduct of competitive bidding, as well as procurement without conducting competitive bidding, within the scope of the powers defined by the Bank's Procurement Policy.