In our efforts to reflect our Mission in delivering products and services to clients, we adhere to the following values and the international Principles for the Protection of Client Rights in Microfinance.

• Professionalism.To be constantly in search for high-level implementation of goals and tasks at all levels of the staff, to improve, strive for innovation, use innovative methods and tools, and look for new opportunities.
• Transparency and accountability. To pursue a policy of maximum openness and transparency in all areas of activity and reporting to all stakeholders. To provide clients with all information, especially information about the prices, term and other conditions of the products, in a way that they can understand, in a clear, sufficient quantity and in a timely manner.
• Responsible approach to clients. In order to increase the impact of the products and services provided on clients to build relations with them within the framework of fairness and respect, not to discriminate between clients, not to allow cases of corruption and rude behavior at the stage of credit sales and debt repayment.
• Responsible pricing and social responsibility. Ensuring that the price, term and conditions of the products are affordable for clients and ensure the sustainability of NBCO, paying special attention to the improvement of the welfare of clients and increasing their income, being sensitive to the issue of over-indebtedness of clients, paying attention to the protection of the environment, achieving gender equality among clients.
• Privacy of Client Data. To respect the privacy of client data and to allow such information to be used for the specified purpose as agreed with the client and only in cases permitted by law.
• Preparation of appropriate product. To prepare products and services, its delivery channels taking into account client characteristics and opinions, in a way that does not harm clients.
• Avoidance of Over-Indebtedness. At all stages of disbursement of loans to determine the clients’ repayment ability and to try prevention possible over-indebtedness in advance. At the same time, to implement internal systems that support the prevention of over-indebtness, to increase efforts in terms of supervision to improve the management of credit risk at the market level.
• Effective resolution of complaints. To pay attention to client complaints and problems, to create a flexible and responsive mechanism for solving them, to solve problems individually and to provide improvement in terms of products and services through this mechanism.