Capture a bigger market share by introducing new services and products ;offering quality customer services ; maintain a competitive edge by providing innovative financial solutions.

Improve its cost/income ration through a strict cost control policy without sacrificing quality of services offered.

Develop business units that offer strong potential in terms of growth and profitability ; retail banking ; corporate and investment banking ; asset

management and private banking and specialized financial services.

This policy will enable Karafarin to leverage economics of scale in businesses while the bank possesses a significant competitive edge over other banks.