Ipoteka-Bank is a joint—stock commercial bank founded in April 2005 through the merger of Zaminbank and Uzzhilsberbank in accordance with Presidential Decree No. PP-10 dated 02/16/2005. Initially, the bank was focused on the introduction of mortgage lending and housing finance, providing preferential long-term loans and supporting developers. Over time, Ipoteka Bank has expanded its range of services, becoming a universal financial institution offering a full range of banking products for private and corporate clients. Its branch network includes 40 branches throughout Uzbekistan. 
The positive sides:
• Mobile app: For the convenience of customers, the bank has developed a mobile application that allows you to manage accounts and conduct transactions remotely. Some users note that the application makes interaction with the bank more comfortable.
* Qualified staff: There are reviews in which clients positively assess the professionalism of the staff who are ready to help in solving any issues. 
The negative sides:
• High interest rates on loans: Some customers complain about the high interest rates on credit products, considering them excessively burdensome. Queues
and slow service: Many users complain about long waiting times in queues and slow service at bank branches, especially highlighting the Mirabad branch.
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Элдор Кенжаев
Level 7 Local Expert
December 22, 2024
The service is excellent. All employees are competent. The only negative is the lack of parking for a private car. And separate blocks. You need to know exactly which building is solving your problem.