This Policy explains the categories of cookies we use, what their purpose is, how you can change your preferences, and explains the technologies we put in place to collect data related to the use of our website and our communication through e-mail.


These technologies which are used by almost every website and are part of almost every advertising e-mail message sent over the Internet, are known as “cookies” и “web beacons”.

What are cookies and how are they used on our website?

A cookie is a small amount of data, and text files, which usually contain a unique identifier. Cookies may be sent to your browser when you visit our website. They are stored in the web browser on your device (computer or mobile device) when you visit a website. Cookies store information about your web browser settings, such as: language, font size, and the fact that you have already visited certain pages. That way, when you visit the same page again, you don't have to set them up again.

Some cookies are only stored during your visit to our website. These cookies are known as temporary cookies. Others, known as persistent cookies, may remain stored on your computer after a visit, and our website will be able to access them each time you return to the website.

Types of cookies we use:

1. Mandatory cookies that include:

Basic or temporary cookies (session cookies)

Basic cookies may be used in order to enable you to receive the services you have requested through our website. Without these cookies, the services you have requested cannot be delivered to you. These cookies will be automatically deleted from your computer by terminating the current session or closing the browser. For example, these cookies may be used on our website to remember previous actions you have taken (such as filling out a form) when returning to a previous page during the same session.

Functional or persistent cookies

We may use functional cookies that are not essential but enable a variety of useful functions on our website. For example, these cookies may be used on our website to:

  • Remember the preferences that you have selected during your previous visit to the website, such as language, your interests, and the display of the website, in order not to select them again;
  • Remember answers to questions posed to you by our websites, such as refusing to participate in a user satisfaction survey, in order not to be asked again;
  • Discover whether a service has already been offered to you;
  • Provide information to enable an optional service to function, such as watching videos online;
  • Provide information about the nearest ATM by collecting information about the region in which you are currently located (if you agree to share such information).


2. Analytical cookies that include:

Performance cookies

We may use performance cookies that collect information about how our website, advertisements, and email messages are used, and to notify us if an error occurs. These cookies can be used to collect detailed technical information, such as the last web pages visited, the number of pages visited, whether you have opened certain e-mail messages, which parts of our website have visited, e-mail messages you have clicked, and the time period between two clicks. Although this information may be linked to data such as your IP address, domain, or browser information, it is analyzed only in a group with data from other users and not in a way that can directly identify you.

For example, these cookies may be used on our website to:

  • Analyze and improve the performance of our website, advertisements, and email messages;
  • Manage the performance and design of our website;
  • Calculate the number of responses from our advertisements to improve the efficiency of our advertising;
  • Count errors that occur on our website to improve our services.

Redirection cookies

We may access the redirection cookies that have been sent to your device through the websites of our business partners. These cookies are used to recognize any redirection made by our business partners to our website and whether the visit of the redirected person results in the use of a product or service from the Bank. This information may be shared with our business partners, but only in an anonymous manner and not in a manner that can directly identify you.

Third-party cookies

Your use of our website may result in the storage of certain cookies that are not under the control of the Bank. This may happen when the website you are visiting uses third-party analytics or advertising automation/management tool (such as tools offered by Google) or displays content from a third-party website, for example, YouTube or Facebook. In this way, you will receive cookies from the services of that third party, and the Bank may not control the storage or access to these cookies. In that case, we recommend that you review the privacy and cookie policies of these third-party services and learn how these third parties use cookies.


3. Marketing cookies

Targeting or advertising cookies

We may use targeting or advertising cookies on our website in order to send you advertisements and advertising messages tailored to your interests. These cookies may collect detailed information about your most frequent searches across our website (such as the products and services you clicked on). They can also be used to recognize you when you revisit our website. For example, these cookies may be used on our website to collect information about the products and services of the Bank you have searched for, in order to:

  • provide you with contents, recommendations, and advertisements that interest you more;
  • personalize and target e-mail messages and other direct advertising communications more effectively;
  • help measure the effectiveness of an advertising campaign.
Web beacons

Web beacons (active tags) also known as “single-pixel” or “clear gif” technology may be used on our website and in our communications. This technology shows us which visitors clicked on key elements (such as links or graphics) on the website or email address. When you ask us to send you promotional information we may use web beacons to learn which e-mail messages will actually be opened. We use this information to optimize our content, services, and communications. Web beacons often work together with cookies and can be turned off by deactivating cookies. Certain e-mail software and web browsers can be configured to prevent automatic image downloads. It will also prevent the web guides from working until you decide to download the images.

How to disable cookies

Cookie settings can be made through the „Cookie Settings“, option, where non-mandatory cookies can be set. By clicking the „I do not accept cookies“ button, the „Analytical and Marketing cookies“ are disabled, while the „Mandatory cookies“ remain active because they are necessary for the website to function as expected. Mandatory cookies can be disabled through the internet browser. Also, the „Help“ menu in the toolbar of your computer's Internet browser provides the following information for users:

  • Accept all cookies;
  • How to turn off third-party cookies;
  • How to set the browser to notify you when you receive a new cookie;
  • How to turn off cookies completely.

Disabling cookies in this way will prevent new cookies from being set, but will not stop cookies previously placed on your device from working unless you delete all cookies in your browser settings. If you turn off cookies completely, then there is a possibility that the website will not function as you expected. To prevent this, we recommend that you accept cookies.