10 Years on the Path to Financial Innovations: The Anniversary of the International Bank of Tajikistan

10 Years on the Path to Financial Innovations: The Anniversary of the International Bank of Tajikistan
10 Years on the Path to Financial Innovations: The Anniversary of the International Bank of Tajikistan

This year, the International Bank of Tajikistan marks an important milestone in its history — ten years of successful operation in the financial market. Over these years, the bank has not only strengthened its positions but also earned a reputation as a reliable partner for its clients, becoming a symbol of reliability and high-quality service.

Beginning its operations in 2014 as the LLC MDO "Standard Finance", and as of February 29, 2016, having received a license from the National Bank of Tajikistan, the organization transformed into JSC "International Bank of Tajikistan". This significant step opened a new page in providing quality financial services and products for the people and businesses of Tajikistan.

The bank started with a head office in the capital and its first branch in the Sogd region, with a total number of employees amounting to 35 people. Today, the bank's network has expanded to 18 branches and 15 banking service centers in various regions, and the team has grown to over 600 people. Additionally, an ATM network has been deployed, ensuring the accessibility of services in the most remote corners of the country, indicating the dynamic growth and development of the bank.

As of today, the International Bank of Tajikistan actively participates in the country's social life, implementing projects aimed at supporting education, healthcare, culture, and sports. The bank's main mission is to serve people, making their lives better. The bank contributes significantly to the development of Tajikistan's economy by supporting small and medium-sized businesses.

The bank serves large companies from various economic sectors, including cellular communication, aviation, medicine, construction, and the mining industry, demonstrating its competence in working with corporate clients.

A significant achievement for the International Bank of Tajikistan was obtaining an institutional rating from MicroFinanza Rating (MFR) in July 2022. Also an important event was the signing of the agreement to acquire 100% of the shares of JSC "Halyk Bank Tajikistan" on November 16, 2022, which was an important step in the development and strengthening of the bank's position in the financial market. In September 2023, JSC "Halyk Bank Tajikistan" was renamed JSC "Aktivbank".

Over ten years, the International Bank of Tajikistan has achieved significant success and has been honored with numerous awards from leading global payment systems. One of such major award is Visa, in which the International Bank of Tajikistan was recognized as the main issuer in the Republic of Tajikistan for the year 2023. It is worth noting that the bank is also an acquirer and issuer of international UnionPay payment cards.

The International Bank of Tajikistan has established itself as an active player in the lending market, making a substantial contribution to improving the financial situation of the population. By the end of 2023, the bank became the most profitable bank in the Republic of Tajikistan (ROA 6.6% and ROE 43.3%), highlighting its efficiency and stability. Also, based on the results of 2023, the National Bank of Tajikistan recognized the International Bank of Tajikistan as a potentially systemic financial institution.

In January 2024, the International Bank of Tajikistan became the first financial institution to acquire bonds from the Ministry of Finance of the Republic of Tajikistan amounting to 30 million somoni.

Ahead, the International Bank of Tajikistan faces new challenges and opportunities. The bank will continue its work on creating financial products, further developing digital service channels, and strengthening its positions in the international market.

Marking its tenth anniversary, the International Bank of Tajikistan expresses gratitude to its clients and partners for their trust and support. Together, we have achieved a lot, and new horizons for joint growth and prosperity are opening before us.

Together to new heights!

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