Today, MKBANK hosted a "Public Hearing" on corruption prevention, identifying conflicts of interest, and reducing corruption risks in banking activities for the first half of 2026.
It was attended by members of the Public Council of the Anti-Corruption Agency, the Bank's management, journalists and bloggers, bank employees, youth, and employees of the bank's regional branches via ZOOM.
It should be noted that in the first half of 2026, that is, during the reporting period, 22 training seminars were organized, covering all regional branches of the bank. In total, 2,750 employees improved their knowledge and skills in the field of anti-corruption, its prevention and compliance culture.
Also, at a special training seminar held with the participation of the international certification organization "CERT International," 25 employees received in-depth training on the ISO 37001:2025 "Anti-Corruption Management System" standard. At the end of the seminar, all participants received international certificates.
The opinion of employees and the public was studied to identify corruption risks.
Anonymous surveys were conducted internally and externally to identify corruption risks at an early stage. An internal survey conducted under the slogan "We are against corruption!" involved 1,840 bank employees, while an external survey involved 2,180 citizens—entrepreneurs, representatives of the banking and financial sector, and other business entities.
According to public opinion, the most problematic areas from the point of view of corruption risk are the processes of lending and financing, which in total amounted to 46%. Also, abuse of official powers was recorded at 19 percent, hiring processes at 12 percent, and property and collateral appraisal and acceptance processes at 10 percent.
Based on the survey results, proposals were developed to reduce the human factor in lending processes, expand automated assessment systems, strengthen video recording, and develop public oversight.
96 appeals were received
MKBANK operates 6 special communication channels to report cases of corruption. In the first half of 2026, a total of 96 appeals and messages were received through these channels.
Official inspections and studies were conducted on 73 of the appeals, and the identified operational errors were eliminated. No criminal or legal violations were identified in the actions of the bank's employees regarding these appeals.
The largest number of appeals came from credit operations - 38 (39.6%), cash operations and employee communication culture - 29 (30.2%), plastic cards and ATMs - 19 (19.8%).
As a result of the inspections, no arguments related to corruption, bribery or systemic abuse were confirmed in any of the appeals.
67 internal investigations: cases of corruption identified
During the reporting period, the Anti-Corruption Control Department conducted a total of 67 internal investigations. As a result of the investigations, 2 cases of corruption - bribery and extortion - were identified, and the materials were sent to law enforcement agencies for legal assessment and legal action.
It was also established that 20 bank employees committed offenses.
Service inspections were also conducted in regional branches regarding 29 appeals and submissions. As a result, a corruption crime was identified in the Navoi region, and the relevant documents were sent to law enforcement agencies.
Based on the analysis of the conducted internal investigations, the Surkhandarya, Navoi, and Namangan regions were identified as "red zones" with high corruption risks.
The declarations of 3,331 employees regarding conflicts of interest were analyzed.
In order to prevent conflicts of interest, in January-February 2026, the annual declarations of 3,331 employees in the banking system regarding potential conflicts of interest were accepted and analyzed. As a result, 5 existing conflicts of interest and 216 potential conflicts of interest were identified. Proposals to regulate these situations have been submitted to the bank's Ethics Commission.
Additionally, in May 2026, the Conflict of Interest Prevention and Procurement Control Department was established within the Anti-Corruption Control Department.
Credit and investment processes are also under compliance control.
During the reporting period, 36 comprehensive compliance audits were conducted to identify and prevent corruption factors in credit and investment processes. Specifically, within the framework of large and strategic credit projects, 19 counterparties were thoroughly audited, and 4 large projects regarding loans allocated to small business entities were studied. Three major transactions within the framework of the interbank money market and investment agreements were also analyzed.
A total of 10 compliance conclusions were developed for new banking products and practices.
In the second half of 2026, the bank will continue its work aimed at further reducing corruption risks.
In particular, it is planned to conduct comprehensive studies in high-risk areas, regularly organize "Secret Client" events, strengthen anti-corruption training seminars for employees, widely promote anonymous channels of appeal, and develop mechanisms for monitoring conflicts of interest in electronic form.
MKBANK will consistently continue to foster an uncompromising attitude toward corruption, ensure transparency, and strengthen the rule of law in banking activities.
Bank Information Service
See also
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It should be noted that the bank allocated credit funds in accordance with the current procedure and relevant documents.
