{"name":"Halkbank","domain":"halkbank.gov.tm","url":"https://optimly.ai/brand/halkbank","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Halkbank is a bank in Turkmenistan providing banking services to individuals, private entrepreneurs, companies, and legal entities.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"description","label":"Description","shape":"text","content":"Halkbank offers deposits, consumer and business loans, Altyn Asyr cards, payments, money transfers, account services, Internet banking, mobile banking, electronic commerce, payment terminals, student tuition payments, and branch services. It states that customer value is the bank's primary value and operates branches throughout the country.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"The bank states: “The bank's main value is its customers.”","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://halkbank.gov.tm","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Informative, service-oriented, and promotional, with an emphasis on convenience, accessibility, and customer service.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Provides individuals and businesses with access to deposits, credit, payment services, money transfers, bank accounts, digital banking, and merchant payment infrastructure.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Consumer lending\nBusiness and SME lending\nDeposits and savings\nBank card services through the Altyn Asyr payment system\nPayments and money transfers\nCurrent and settlement account services\nInternet banking\nMobile banking through the Sanly Halkbank app","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Consumer loans\nDigital loans\nMortgage loans\nStudent tuition loans\nDeposits, including pensioner and children's savings products\nAltyn Asyr bank cards\nPersonal Internet banking\nSanly Halkbank mobile application","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"The website displays example rates and terms, including consumer credit from 7%, deposits up to 6.8%, private entrepreneur loan rates from 1% to 10%, and example loan and deposit conditions. Exact terms are determined when an application is reviewed; a corporate tariff PDF is also provided.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+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://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"Individuals, pensioners, students, children and families, private entrepreneurs, SMEs, companies, legal entities, state and private enterprises, cooperatives, partnerships, shareholder companies, organizations, and merchants.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals seeking deposits, payment cards, consumer credit, transfers, or digital banking; private entrepreneurs and SMEs seeking business financing and payment services; and companies or legal entities needing accounts, transfers, corporate Internet banking, electronic commerce, and merchant payment infrastructure.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Opening personal deposits\nObtaining consumer, mortgage, student, or digital loans\nUsing Altyn Asyr bank cards and ATMs\nMaking utility, budget, public-service, and other payments\nTransferring money from card to card\nManaging personal finances through Internet or mobile banking\nOpening company settlement accounts\nProcessing corporate payments, transfers, salaries, and taxes","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Access to banking branches throughout Turkmenistan\nOnline access to cards, payments, transfers, and loans through the Sanly Halkbank app\nBusiness account opening within one bank day when required documents are ready\nAccess to financing for consumption, entrepreneurship, SMEs, agriculture, and production\nConvenient non-cash payment acceptance for merchants\nOnline student tuition payment\nAccess to 24/7 question-and-answer support","source_type":"1p_website","source_label":"Brand's website","source_url":"https://halkbank.gov.tm","updated_at":"2026-11-08T02:09:45.248999+00:00"}]}],"last_refreshed_at":"2026-11-08T02:09:45.257643+00:00","last_changed_at":"2026-11-08T02:09:45.266349+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=735e49e4-fe14-41d8-9c2b-44eca60d5d60"}