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Trends of the development of the banking system 

(as of September 30, 20181

As of September 30, 2018, 25 commercial banks (including the Bishkek branch of National Bank of Pakistan) and 320 branches of commercial banks operated on the territory of the Kyrgyz Republic. 

As of September 30, 2018, the total assets of the banking system have increased since the beginning of the year by 8.5% to 214.9 billion soms. 

The total deposit base2 of the banking system constituted 127.5 billion soms, having increased since the beginning of the year by 4.9%, including: 

· deposits of the enterprises totaled 44.9 billion soms, having increased by 4.2% since the beginning of the year; 

· deposits of the population totaled 67.3 billion soms, having increased by 5.3% since the beginning of the year; 

· deposits of authorities totaled 4.9 billion soms, having decreased by 20.6% since the beginning of the year; 

· deposits of non-residents totaled 9.0 billion soms, having increased by 27.7% since the beginning of the year; 

· deposits of other FCI totaled 1.3 billion soms, having increased by 4.4% since the beginning of the year. 

The volume of loans to customers3 (loan balance) of the banking system by the end of the second quarter of 2018 amounted to 123.9 billion soms, having increased since the beginning of the year by 14.4% (end of 2017 108.3 billion soms). 

The share of nonperforming loans in the loan portfolio of the banking system constituted 7.4% or 9.1 billion soms (at the end of 2017 7.6% or 8.2 billion soms). 

The net total capital of the banking system in general, used to calculate the economic standards set by the NBKR, as of September 30, 2018, amounted to 35.5 billion soms, having increased by 5,7% since the beginning of the year (NTC constituted 33.6 billion soms at the end of 2017). 

The overall net total capital adequacy of the banking system amounted to 23.5% (end of 2017 24.2%) with the 12% standard. 

As of September 30, 2018, the weight of foreign contribution in the capital of banking system amounted to 49.3% of paid up assessed capital or 11.4 billion soms. 

As of September 30, 2018, the liquidity ratio of the banking system amounted to 64.8% (end of 2017 65.1%) with the 45% standard. 

Return on assets of the banking system (ROA) constituted 1.4% (at the end of 2017 ROA 1.2%) and return on equity (ROE) 9.2% (at the end of 2017 ROE 7.6%). 

As of September 30, 2018, the general level of financial intermediation (assets/GDP) constituted 40.0%. 

 

 

 

 

 

 

1 Preliminary data taking into account adjustments introduced by the banks for the previous periods. 

2 Without deposits of banks. 

3 Without loans given to banks and other FCI.