Tajikistan continues to face severe economic challenges with limited external investment and low productivity. It also has a strong exposure to natural disasters such as earthquakes. The country has one of the lowest gross domestic products per capita among the 15 former Soviet Republics and nearly two-thirds of the population continues to live in poverty. In recent years, the economy has become heavily reliant on migrant remittances. More than 800,000 Tajiks (out of a population of only seven million) are working in Russia and Kazakhstan at any given time.
Incorporated in 2003, FMFB-T has its head office in Dushanbe with five branches and 36 Banking Service Centres throughout the country. Approximately 30 percent of its clients are women. At the end of 2012, FMFB-T had 14,145 outstanding loans with a total value of US$ 28.3 million. The Bank held 10,986 individual deposits worth US$ 11.2 million.