Ipak Yuli Bank Summarises the Results of 2025

The year 2025 marked an important milestone for Ipak Yuli Bank, consolidating its transition to a new stage of development. It was a year of balanced growth across two key pillars — retail and business banking — a year of large-scale international partnerships, a strengthened ESG agenda, and strategic product launches.

In autumn 2025, Ipak Yuli Bank introduced its renewed strategic platform Think BIG / Katta maqsadlar sari / Ради больших целей. The rebranding reflected a new phase in the Bank’s development — more mature, scalable, and focused on long-term impact. 

The transformation went beyond visual identity and embraced the brand’s philosophy: a focus on clients’ ambitious goals, sustainable economic growth, and the Bank’s role as a reliable financial partner.

Retail Business and Product Ecosystem Development

Woman Card — an ecosystem for women

In March 2025, Ipak Yuli Bank successfully launched Woman Card, a next-generation retail product designed around women’s everyday financial needs. 

Today, Woman Card brings together over 150,000+ women who value choice, convenience, benefits, and the freedom to be themselves. Within a year, 120+ partners joined the project across retail, beauty, restaurants, education, services, and healthcare.

Visa PUBG MOBILE — engaging Gen Z

One of the most notable retail launches of the year was the Visa PUBG MOBILE card, designed for a young audience and the gaming community. The project demonstrated the Bank’s unconventional approach to retail product development and helped build a dialogue with a new generation of clients.

Digital Experience and Mobile Banking

Digital experience quality remained a key driver of retail growth. At the end of 2025, Ipak Yuli Mobile was recognised by the CX Banking Index.

•  Silver in First Impression 
•  bronze in Daily Banking

SME and Sustainable Economic Growth 

Supporting micro, small, and medium-sized businesses remained a key priority in 2025. In December, Ipak Yuli Bank signed two credit lines with the European Bank for Reconstruction and Development totaling $50 million:  

• $35 million for MSME financing 
• $15 million for green projects under GEFF

Business Products and Services 

In September, the Bank launched Visa Business and Visa Platinum Business cards, designed for business travel, online payments, and everyday corporate expenses, simplifying financial management and control. 

The credit product lineup includes solutions for practical business needs, as well as international trade services such as:  

    •  Trade loan financing for international operations (Tradeloan) from $50,000 and above

    •  Factoring for trade operations

    •  Acquiring and payment terminals for in-store and online payments

Trade Finance and International

Trade In September 2025, Ipak Yuli Bank obtained Confirming Bank status under the Asian Development Bank’s Trade and Supply Chain Finance Program (TSCFP), expanding support for export-import operations.

In April 2025, the Bank signed a Master Trade Loan Agreement with Commerzbank AG, strengthening trade finance capabilities and confirming international partner trust.

Islamic Finance

As part of Islamic banking development, Ipak Yuli Bank signed a $20 million Murabaha agreement with the Uzbekistan Economic Opportunities Expansion Fund, fully compliant with Sharia principles. The financing supports MSMEs and the development of ethical financial instruments.

Sustainable Development and Green Economy 

In 2025, Ipak Yuli Bank further advanced its ESG agenda, receiving two GEFF EBRD awards for reducing the carbon footprint and for the best technological project under GREEN TFP. 

The Bank signed a strategic partnership memorandum with q.watt and launched TashkentRide, Uzbekistan’s first co-branded urban bike-sharing service, promoting sustainable urban mobility.

Women’s Entrepreneurship and Inclusion 

Supporting women entrepreneurs became a strategic priority in 2025. The Bank continued developing an ecosystem expanding women’s access to finance, knowledge, and growth opportunities. This work is anchored in long-term participation in the Women in Business in Central Asia program with the EBRD, combining financial instruments with education and advisory support. 

In 2025, Ipak Yuli Bank also joined the global WE-Finance Code initiative launched by the World Bank and IMF, integrating best international practices into its products. 

A key milestone was the announcement of the She’s Next initiative in Uzbekistan in partnership with Visa, supporting women entrepreneurs at every stage — from idea to scale. The first wave launched under the Boshlang! concept, highlighting the value of the first step.

Institutional Development  

In 2025, Ipak Yuli Bank became a member of the American Chamber of Commerce in Uzbekistan (AmCham), marking an important step in strengthening international business dialogue and the Bank’s institutional positioning.  

The results of 2025 confirm Ipak Yuli Bank’s ability to deliver sustainable and balanced growth across both retail and business segments, build long-term partnerships, and implement solutions that create value for clients and the country’s economy.

2025 was also a year of people — over 2,700+ professionals who make the Bank stronger every day. This year was more than projects and numbers. It was trust. Teams growing together. A path toward a future where ideas become opportunities.  

Ipak Yuli Bank — Think BIG