New Year's greetings of the Management Board Chairman

New Year's greetings of the Management Board Chairman

Dear our Clients and Partners!
The year of 2014 is coming to the end. I would like to thank all of you for your cooperation with us in 2014! We are grateful to you for your trust to us whereby you walked together with us to the new heights of success.
Over the past year we have made significant achievements: we’ve increased our loan portfolio, strengthened our market position. In many ways, this is your contribution.
We are proud of the successful results of our bank over the past year. We are very happy with our joint success and plans implemented this year. Your confidence and partnership are of highly value to us, we appreciate the mutually beneficial cooperation with you.
In the passing fruitful year we’ve become 20 years old. Celebrating our 20th anniversary we managed a series of activities by the way of which we tried to share our joy with our clients, and I think we achieved it. The year of our anniversary will be remembered with the bright events, such as grand show-concerts arranged for our compatriots, inclusive concert "Equal Vision", in the organization of which we participated with great pleasure whereby children with disabilities in line with the professional pop stars of Sughd performed on the one stage and many other events.
An important impetus for the Bank in 2014 was the acquiring of the certificate of quality management system in accordance with ISO 9001: 2008 by the Intertek.
For us, it was also very important to be marked as "The Most Active Bank Issuer" by the EBRD once again .
Bank Eshata co-hosted the VIII National Conference on microfinance in 2014 whereby it gathered participants of the financial sector, international donors and investors, as well as representatives of government bodies. As part of this conference the ceremony of signing of the loan agreement between Bank Eskhata and the International Finance Corporation (IFC) for subordinated loan of 10 million US Dolllars and 5 mln. USD senior loan denominated in TJS was held.
Bank Eskhata promotes a healthy lifestyle and supports the sports in many ways. In 2014 the sport had a special place in the bank life. Championships on mini football for the Cup "Bank Eshata" were organized and conducted among children and youth football teams in the country and also among veterans of the football teams of banks and microfinance institutions. This event was confined not only to the anniversary of the Bank, but also to the year of grassroots football in Tajikistan. It is pleasing  that among the winners there is the name of our bank as well since Bank Eshata Cup was won by junior football team of "Eskhata", as well as by veterans of the football team "Eshata-1".
If on the one hand all of the above steps had a positive impact on raising the image and recognition of Bank Eskhata, on the other hand, they positively impacted on the development of the banking business as a whole. In the past year, we have implemented new services, such as overdraft and internet banking, and 2014 has become the starting point for implementation of social and environmental projects.
Upcoming year sets new challenges, and our bank is optimistic about the future. In the new year we will continue to develop. We will also expand geographical coverage of our services, improve services and become even closer to our clients.
Dear Friends!
I heartily congratulate everyone who remains with us: our customers, shareholders, partners and employees, because it is thanks to our joint efforts the Bank is developing and makes steps forward. I wish you and your families well-being, happiness and health! In the new year I wish you good luck, new achievements and trust in yourselves, all these virtues will lead you and us to even greater success!
Happy New Year!

Kind regards,
Management Board Chairman
OJSC "Bank Eskhata"
Khurshed Nosirov

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