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Trends of the development of the banking system 

(as of December 31, 20161

 

As of December 31, 2016, 25 commercial banks (including the Bishkek branch of National Bank of Pakistan) and 324 branches of commercial banks operated on the territory of the Kyrgyz Republic.  

As of December 31, 2016, the total assets of the banking system have increased since the beginning of the year by 0.1% to 178.2 billion soms.  

The total deposit base2 of the banking system constituted 105.3 billion soms, having increased since the beginning of the year by 5.0%, including:  

- deposits of the enterprises totaled 39.6 billion soms, having decreased by 0.5% since the beginning of the year;  

- deposits of the population totaled 52.7 billion soms, having increased by 11.7 % since the beginning of the year;  

- deposits of authorities totaled 7.3 billion soms, having increased by 2.1 % since the beginning of the year.  

- deposits of non-residents totaled 5.8 billion soms, having decreased by 6.9% since the beginning of the year.  

The volume of loans to customers3 (loan balance) of the banking system by the end of the fourth quarter of 2016 amounted to 93.5 billion soms, having decreased since the beginning of the year by 0.5 % (end of 2015 94.0 billion soms).  

The share of nonperforming loans in the loan portfolio of the banking system constituted 8.8 % or 8.2 billion soms (at the end of 2015 7.1 % or 6.7 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, 2016, amounted to 29.7 billion soms, having increased by 7.8 % since the beginning of the year (NTC constituted 27.6 billion soms at the end of 2015).  

The overall net total capital adequacy of the banking system amounted to 24.8 % (end of 2015 22.4 %) with the 12% standard.  

As of December 31, 2016, the weight of foreign contribution in the capital of banking system amounted to 44.0 % of paid up assessed capital or 8.3 billion soms. 

As of December 31, 2016, the liquidity ratio of the banking system amounted to 75.5 % (end of 2015 77.8 %) with the 45% standard.  

Return on assets of the banking system (ROA) constituted 0.5 % (at the end of 2015 ROA 1.5%) and return on equity (ROE) 3.4% (at the end of 2015 ROE 10.8 %).  

As of December 31, 2016, the general level of financial intermediation (assets/GDP) constituted 38.9%.  

 

 

1 Preliminary data  

2 Without deposits of banks and other FCI 

3 Without loans given to banks and other FCI