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.
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.