On August 16, 2024, the international rating agency "S&P Global Ratings" published its report, affirming the long-term credit rating of JSCMB “Ipoteka-bank” at "BB-/B" with a "Stable" outlook. The rating reflects the bank's strong position in the retail market and its solid financial performance.

JSCMB “Ipoteka-bank” is the fifth-largest bank in Uzbekistan with a market share of 7.1% in total assets and maintains a leading position in the retail market. According to analysis of "S&P Global Ratings," the bank's risk-adjusted capital ratio (RAC ratio) is expected to gradually increase to 8.2% by the end of 2025 from 7.6% at the end of 2023. The bank's liquidity position remains stable.

It was also noted that the ongoing integration of JSCMB “Ipoteka-bank” into OTP Group will bring significant benefits, including the enhancement of corporate governance standards and improvements in the risk management system, which will distinguish “Ipoteka-bank” from other banks in Uzbekistan and further strengthen its already strong brand recognition.