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Trends of the development of the banking system 

(as of December 31, 20171

As of December 31, 2017, 25 commercial banks (including the Bishkek branch of National Bank of Pakistan) and 319 branches of commercial banks operated on the territory of the Kyrgyz Republic. 

As of December 31, 2017, the total assets of the banking system have increased since the beginning of the year by 11.1% to 198.0 billion soms. 

The total deposit base2 of the banking system constituted 121.6 billion soms, having increased since the beginning of the year by 13.6%, including: 

· deposits of the enterprises totaled 43.1 billion soms, having increased by 8.9% since the beginning of the year; 

· deposits of the population totaled 63.9 billion soms, having increased by 21.3% since the beginning of the year; 

· deposits of authorities totaled 6.2 billion soms, having decreased by 14.2% since the beginning of the year; 

· deposits of non-residents totaled 7.1 billion soms, having increased by 20.8% since the beginning of the year; 

· deposits of other FCI totaled 1.3 billion soms, having decreased by 25.8% since the beginning of the year. 

The volume of loans to customers3 (loan balance) of the banking system by the end of the forth quarter of 2017 amounted to 108.3 billion soms, having increased since the beginning of the year by 15.9% (end of 2016 93.5 billion soms). 

The share of nonperforming loans in the loan portfolio of the banking system constituted 7.6% or 8.2 billion soms (at the end of 2016 8.8% 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 December 31, 2017, amounted to 33.6 billion soms, having increased by 13.1% since the beginning of the year (NTC constituted 29.7 billion soms at the end of 2016). 

The overall net total capital adequacy of the banking system amounted to 24.2% (end of 2016 24.8%) with the 12% standard. 

As of December 31, 2017, the weight of foreign contribution in the capital of banking system amounted to 47.1% of paid up assessed capital or 10.3 billion soms. 

As of December 31, 2017, the liquidity ratio of the banking system amounted to 65.1% (end of 2016 75.5%) with the 45% standard. 

Return on assets of the banking system (ROA) constituted 1.2% (at the end of 2016 ROA 0.5%) and return on equity (ROE) 7.6% (at the end of 2016 ROE 3.3%). 

As of December 31, 2017, the general level of financial intermediation (assets/GDP) constituted 40.1%. 

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.