This article discusses the opportunities to increase the efficiency of services of the “Istiqlol” branch of Ipoteka Bank. Thanks to the constant support of the government, the potential of the Ipoteka Bank is further increasing. At present, Ipoteka Bank acts as a financial agent of the government in the process of monetary reform of the country's economy and constantly fulfills the responsibilities assigned to it. The Bank is making every effort to stabilize its capacity, gain the trust of the population, strengthen its position and role in the country's banking services market.