COUNTRY FACTS

 

Location: Khujand, Repulic of Tajikistan
 
Region: Central Asia
 
Neighboring Countries: Afghanistan, Uzbekistan, Kyrgyzstan, China
 
Population: 7,215,700
 
GDP Per Capita (PPP): $1,600 (2007 est.)
 
Politics: Republic
 
Economy:

  • GDP Growth: 7.8% (2007)
  • Composition of GDP: Agriculture (22.7%), Services (48.8%) and Industrial Sectors (28.5%)
    • Main Agricultural Products: Cotton and vegetable oil
    • Main Industries: Aluminum, zinc, lead, chemicals and fertilizers, cement, vegetable oil, metal-cutting machine tools, refrigerators and freezers
  • Significant Trading Partners: The EU, Turkey, Russia, Uzbekistan, Kazakhstan, Azerbaijan, China and Ukraine

 

Source: Wikipedia
To learn more about Tajikistan, please click here

 

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Client Banks / Eskhata Bank, Republic of Tajikistan

Eskhata Bank, Republic of Tajikistan

Website: http://www.eskhata.com/

Bank Description:

 

Eskhata Bank (Eskhata), one of Tajikistan’s market leaders in micro and small business lending, was established in November 1993 as a commercial bank. It was one of the first private banks in Khujand, Tajikistan and microfinance makes up approximately half of the bank’s operations.
 
The bank provides settlement, collection and cash transaction services, loan disbursements, trade financing, and savings products to individual entrepreneurs and larger companies. Its retail services include consumer credit products, remittances, savings accounts and credit cards. Eskhata has 8 branches across the western half of Tajikistan as well as nearly 50 money remittance outlets.

 

Capacity Building
Main ShoreCap Exchange Capacity Building Support Areas:

  • Internal audit
  • Credit methodology (with a focus on credit risk management)
  • Operations risk management
  • Loan review and risk ratings
  • Human resources

Key Accomplishments in Partnership with Exchange:

  • Implementation of training for all lenders
  • Finalization of credit policies and procedures
  • Design templates and reporting formats
  • Implemented a detailed risk rating system for all loans

 

Exchange KEN Participation
Effective Leadership & Good Governance Forum, Washington D.C., September 2006
Small Business Credit Training, Manila, Philippines, September 2005
Risk Management Forum, Chicago, IL, December 2004
Lender’s Corner Phone Forums
HR Managers Phone Forums

 

Financial Performance Table

Financial Performance

2007         

2008        

Net Loans Outstanding (in mil)

$22.5

$40.7

Total Deposits (in mil)

$11.9

$16.9

Return on Average Assets

7.8%

4.5%

No. of Borrowers

5,185

10,981

No. of Depositors

5,298

10,322

No. of Branches

8

8

No. of Employees

677

770

No. Development Loans

 

 

- Year to Date

5,449

13,654

- Cumulative

NA

NA

Fx Rate (TJS/$):

3.5

3.7

 
N/A - Not Applicable
NA - Not Available

 

 

 

 

 


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