Since July of this year, OJSC “Bank Eskhata” has been headed by a new director – a 37-year-old Akmaljon Saifidinov. “Asia-Plus” talked to him about his plans and how he is going to attract new customers.

He said that he plans to continue the course that has already been laid down in the approved development strategy of the bank for the period 2022-2026. It covers several areas.

One of them is the digitalization of business. The Bank plans to fulfill the tasks set by the country's top leadership and develop on the example of best practices of the financial sector.

Today, thanks to the support of the President of the country and the National Bank of Tajikistan, the domestic banking system is ready for such an important direction of the national economy as ensuring the development of non-cash turnover.

Another important aspect of the strategy is lending to all business entities to accelerate the development of the economy and ensure the welfare of the population.

"We are also trying to contribute to the implementation of the fourth national strategy - accelerated industrialization of the country by providing loans for the expansion and modernization of production lines and technologies. Our strategy also includes improving the quality of service through new business models of service," Akmaljon Saifiddinov explained.

He also added that the bank has moved from a "product-oriented" model to a "customer-oriented" one. It is planned to increase the customer base by providing convenient and modern services through a bank branch, the mobile application "Eskhata Online", a network of ATMs, POS terminals and self-service payment terminals, as well as a corporate website.

The new head of “Bank Eskhata” spoke about the advantages and features of the bank, which he considers the most significant for the banking sector in Tajikistan.

One of the advantages he called the recognition of the Bank as a backbone by the regulator, as well as a relatively long and successful stay in the domestic banking market.

"In 2024, “Bank Eskhata” will be 30 years old. Today we are among the three leading banks and provide a full range of financial services accepted in international practice. Our activities are evaluated by the International Rating Agency "Moody's Investors Service" at the B3 level," he added.

Also, an important aspect of successful activity is the availability of an effective corporate governance system, which undoubtedly serves as one of the important distinguishing features of the Bank in the market.

“Bank Eskhata” strives to ensure a high level of professionalism of its team, attracts the best specialists, trains and provides career opportunities, taking into account gender equality.

Akmaljon Saifidinov told why it is worth being a client of “Bank Eskhata”.

Firstly, it offers a wide range of products and services that can meet the needs of any client - from individuals to large corporations.

Secondly, a high level of professionalism and quality of service is guaranteed. The Bank's team consists of experienced specialists who are always ready to help and answer any questions.

Thirdly, the Bank is constantly working to improve the technological base in order to provide the most convenient and secure access to banking services.

Finally, the Bank values each of its clients and always strives to provide them with an individual approach and the best conditions for cooperation.

Without the introduction of innovations, it is impossible to imagine the development of the Bank. Based on this, “Bank Eskhata” began to lay in its strategic goals the introduction of innovative technologies, such as the provision of services through digital sales channels that are available in the financial services market – these are "Eskhata Online" and "Eskhata Business".

It is planned to expand the functionality of these tools. Also, to introduce new approaches to servicing and expanding the customer base through the creation of an ecosystem, focusing on global international practices, where the client covers all their needs in financial services.

Finally, the Bank's employees understand that it is important not only to provide high-quality financial services, but also to be a socially responsible business. For this reason, the operational development of the Bank in 2022 has set itself the task of ESG transformation (ESG - environmentally friendly socially responsible corporate governance). Because the Bank, being one of the backbone banks and major financial institutions of the country, is aware of its responsibility to the society in which we live and work.

The Bank is interested in improving the ecological situation and the environment, as well as the social environment in our country.

In this direction, “Bank Eskhata” cooperates with consultants of the International Finance Corporation (IFC), who are not only partners of the Bank, but also at the same time are the engines for the launch and development of ESG in the region.

"The project is under implementation, it is a long-term project, taking into account the specifics of its direction, so we will go to the intended goal in stages and confidently."