WHAT IS ESKHATA BANK’S ROLE IN TAJIKISTAN’S ECONOMY?

 

Eskhata Bank is one of the key players in Tajikistan’s economy, supporting businesses of all sizes—from small entrepreneurs to large corporate clients. Our team of more than 2,000 professionals is committed to the country’s development and to implementing its ambitious 2030 goals. Our strategy rests on digital innovation, transparency, and social responsibility. We are not simply implementing technologies; we are transforming the banking experience, making it smart, accessible, and strategically sound. Within the framework of digital transformation, we are automating processes, developing digital channels, launching new products, and integrating with government platforms. Eskhata Bank strives to be a reliable partner of both state and business, supporting projects that contribute to economic development and improve quality of life.

 

HOW DOES INNOVATION SHAPE YOUR ADVANTAGE?

 

Constant innovation drives our success and market leadership. Issuing Tajikistan’s first “green” bonds symbolized our commitment to sustainable development and responsibility for the future. Digital services—especially 24/7 mobile banking—bring the bank closer to clients, providing convenience and speed at any time. By continuously implementing digital solutions, we are not merely keeping up with the times; we are setting the pace, turning technologies into a strategic advantage. Eskhata is not just a bank; it is a digital navigator in the world of finance. We are actively developing our product line—BNPL, online loans, car loans—expanding acquiring services, loyalty programs, and gamification, and experimenting with the use of artificial intelligence in processes and products.

 

HOW DO INTERNATIONAL RECOGNITIONS HELP?

 

Recognition from respected institutions—the National Bank of Tajikistan, the EBRD, and Moody’s—is of special value to us. As regulator, the National Bank has highly evaluated Eskhata Bank’s activities, demonstrating our systemic importance for the financial sector and our alignment with state financial and economic priorities. The EBRD’s awards confirm our active role in developing sustainable finance and supporting small and medium-sized enterprises, as well as our unwavering commitment to high standards of transparency and corporate governance. Moody’s “stable” credit rating is a sign of trust in our financial strength and our ability to grow successfully in changing economic conditions. These achievements strengthen our reputation as a reliable, resilient institution and confirm our status as a digital leader able to integrate global standards into the local context with technological precision.

 

HOW DOES SUSTAINABILITY GUIDE YOUR STRATEGY?

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For Eskhata Bank, sustainable development is not just part of strategy; it reflects our values and our vision of the future. The first green bonds in Tajikistan marked a new era for us—when financial growth goes hand in hand with care for people and the environment. ESG principles—environmental, social, and governance—are deeply integrated into decision-making. We increasingly finance projects that reduce harmful emissions, improve energy efficiency, and create new opportunities for communities. Our goal is to be a digital architect of a sustainable future. We use technology not for fashion but for meaning—so that every project supported by Eskhata Bank is a step toward an environmentally and socially responsible economy.

 

WHAT DO YOU CONSIDER IS YOUR MISSION?

 

Partnership with the EBRD is not only a sign of trust but also recognition of our potential on the international stage. For Eskhata Bank, this is more than status; it is a responsibility to conduct sustainable investments into the heart of Central Asia. We see our mission as opening Tajikistan to the world through a digital lens—creating smart routes for global capital, where every step is transparent, reliable, and technologically reinforced. We connect international standards with a deep understanding of the local context, turning investor interest into real projects that bring growth, new jobs, and a confident future for people. Our aspiration is to translate long-term partnerships into measurable impact across sectors that matter for the country’s development.

 

WHAT IS ESKHATA’S VISION FOR THE FUTURE?

 

The future of Eskhata Bank is to move forward together with the country. We see ourselves not only as a participant but as an active creator of a new economic reality for Tajikistan—digital, sustainable, and open to the world. We believe that a strong bank is one that helps others grow. We are building an ecosystem where every client contributes to shaping a modern economy.