ANTICORRUPTION STATEMENT OF THE CHAIRMAN OF THE BOARD

Dear clients, partners, and colleagues,

At "KDB Bank Uzbekistan," JSC we are confident that the foundation of successful and sustainable banking lies not only in professionalism but also in high standards of honesty, transparency, and ethical behavior. Our bank’s reputation has been formed over many years, and we take great pride in the fact that it is founded on trust earned through each decision we make, every action we take, and every interaction we have.

We believe that only by adhering to principles of integrity and accountability we can ensure long-term success and prosperity.

Corruption and bribery harm not only organizations but also society as a whole, undermining trust and weakening public institutions. That is why we adhere to a policy of zero tolerance for corruption in all its forms. This is not just a statement, it is a commitment that we uphold at all levels, and each of us, regardless of position is responsible for maintaining the highest standards of honesty and accountability in our work.

We are proud of the system we have put in place that allows our employees, clients and partners to anonymously and without fear of retaliation report any wrongdoing. Internal controls, transparent reporting channels and continuous employee training make KDB Bank Uzbekistan JSC a reliable and safe partner for all.

I personally confirm that our commitment to the fight against corruption and the maintenance of a culture of integrity is unwavering. We will continue to increase the transparency of our operations, uphold ethical standards, and serve as an example of responsible business practices that meet both local and international norms and standards.

I encourage all to uphold honesty in your professional conduct and to demonstrate integrity and strong principles in your everyday actions. Only by acting with respect for the law and demonstrating fairness in our behavior we preserve public trust and play a vital role in fostering  a more equitable and transparent society.

Sincerely,

Lee Young Lok

Chairman of the Board

JSC "KDB Bank Uzbekistan"