Bank development strategy

Strategic Vision of SQB

SQB’s Strategy 2024–2026 is focused on maximizing business value, enhancing operational efficiency through digital transformation, and progressing toward privatization.

Key Strategic Priorities:

• Boost shareholder equity and diversify funding sources

• Strengthen long-term financing and asset quality

• Enhance customer experience and simplify access to services

• Implement process automation and quality management

• Foster a result-oriented and transparent corporate culture

• Develop staff potential through targeted HR strategies

Development Highlights:

• Universal banking with a focus on commission income

• Comprehensive financial solutions for key client segments

• Strategic emphasis on business banking growth

• Flexible risk models and improved operational efficiency

• Transition to an innovation-driven, client-centric bank

Market Share Targets by 2026:

• Assets: 12.3%

• Loan Portfolio: 13.8%

• Deposits: 8.6%

• Capital: 13.4%

• Net Profit: 9.4%

Key Performance Indicators:

• ROA: > 2.9%

• ROE: > 18.7%

• Cost-to-Income Ratio (CIR): < 33.4%

• Net Interest Margin (NIM): > 5.1%

Strategic Focus Areas:

• Corporate Banking: Expert support and comprehensive services

• MSME Banking: Targeted credit and daily financial services

• Retail Banking: Premium service for payroll and loyal clients

• Ecosystem Support: Financial solutions for partners and affiliates

Development Strategy of JSCB "Uzpromstroybank" for 2024–2026 Download(.pdf)