{"name":"Bank Eskhata","domain":"eskhata.com","url":"https://optimly.ai/brand/bank-eskhata","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Bank Eskhata is a systemically important commercial bank in Tajikistan providing retail, business, digital banking, lending, deposits, cards and money transfer services.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"description","label":"Description","shape":"text","content":"Open Joint-Stock Company Bank Eskhata is a modern bank in Tajikistan. It provides financial products and services through branches, banking service centers, ATMs and the Eskhata Online mobile application.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To create opportunities for prosperity.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"leadership","label":"Founders & leadership","shape":"text","content":"The Management Board is chaired by Akmaldzhon Tolibdzhonovich Sayfiddinov. Other listed board members include Yulia Yuryevna Valentini, Ikromdzhon Usmonovich Radzhabov, Andrey Viktorovich Stetsenko, Umarjon Saidzhonovich Umarov and Armen Garievich Tsaturyan. The Supervisory Board is chaired by Rainer Müller-Hanke.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://eskhata.com","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Supportive, accessible, trustworthy and service-oriented, emphasizing financial well-being, reliability, innovation and care for customers.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"founded","label":"Founded","shape":"text","content":"16 November 1993","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"headquarters","label":"Headquarters","shape":"text","content":"Khujand, Tajikistan — 135 Gagarin Street, 735700","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"parent_ownership","label":"Parent ownership","shape":"text","content":"The bank is an open joint-stock company. The site lists the European Bank for Reconstruction and Development (EBRD) with a 4.61% shareholding and individual resident shareholders; no parent company is identified.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Helps individuals and businesses manage money, save, borrow, make payments, use cards, transfer funds and access banking services digitally or through branches.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Retail banking\nBusiness and corporate banking\nDeposit and savings products\nConsumer, express, online, vehicle and mortgage lending\nVisa card issuance and services\nMobile banking through Eskhata Online\nDomestic and international money transfers\nForeign currency exchange","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Eskhata Online mobile application\nVisa Platinum card\nVisa Gold debit card\nEskhata Junior children's electronic wallet\nOnline credit\nExpress credit\nGoods financing\nAuto credit","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"Published examples include deposits at up to 14% annual interest, the Ozod savings account at 6% annual interest, online credit at 29% annual interest with loans up to 10,000 somoni and terms up to 24 months, and a mortgage at 16% annual interest for up to 500,000 somoni and up to 10 years.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Banking and financial services","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"Individuals and legal entities in Tajikistan; the bank states that it serves more than 1 million permanent customers and has products for retail and corporate clients.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals, families, entrepreneurs and organizations in Tajikistan seeking deposits, loans, payment cards, money transfers, foreign exchange, mobile banking or business banking services.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Saving money through fixed-term deposits or savings accounts\nApplying for credit through a mobile application without visiting a bank\nFinancing consumer purchases\nBuying a car\nPurchasing or building a home\nManaging children's spending with a supervised electronic wallet\nMaking domestic and international money transfers\nPaying for purchases and services with Visa cards","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Access to banking services through 150 branches and banking service centers and 438 ATMs\nAbility to manage cards, deposits and loans remotely through the mobile application\nAccess to loans for personal, vehicle, housing and purchasing needs\nSecure savings and interest-bearing deposit options\nDomestic and international money transfer access\nGreater parental visibility and control over children's balances and transactions\nFinancial support for businesses and economic activity in Tajikistan","source_type":"1p_website","source_label":"Brand's website","source_url":"https://eskhata.com","updated_at":"2026-11-07T20:04:22.330776+00:00"}]}],"last_refreshed_at":"2026-11-07T20:04:22.343790+00:00","last_changed_at":"2026-11-07T20:04:22.355654+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=1b6449e7-7790-42e0-962d-09b4ffbd06a7"}