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Trends of the development of the banking system 

(as of March 31, 20171

 

As of March 31, 2017, 25 commercial banks (including the Bishkek branch of National Bank of Pakistan) and 323 branches of commercial banks operated on the territory of the Kyrgyz Republic. 

As of March 31, 2017, the total assets of the banking system have decreased since the beginning of the year by 0.1% to 178.0 billion soms. 

The total deposit base2 of the banking system constituted 109.7 billion soms, having increased since the beginning of the year by 2.4%, including: 

- deposits of the enterprises totaled 40.3 billion soms, having increased by 1.7% since the beginning of the year; 

- deposits of the population totaled 54.5 billion soms, having increased by 3.6% since the beginning of the year; 

- deposits of authorities totaled 7.3 billion soms, having increased by 0.3% since the beginning of the year; 

- deposits of non-residents totaled 6.0 billion soms, having increased by 1.6% since the beginning of the year; 

- deposits of other FCI totaled 1.7 billion soms, having decreased by 3.5% since the beginning of the year. 

The volume of loans to customers3 (loan balance) of the banking system by the end of the first quarter of 2017 amounted to 94.5 billion soms, having increased since the beginning of the year by 1.1% (end of 2016 93.5 billion soms). 

The share of nonperforming loans in the loan portfolio of the banking system constituted 8.6% or 8.1 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 March 31, 2017, amounted to 30.0 billion soms, having increased by 1.0 % 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 25.1% (end of 2016 24.8%) with the 12% standard. 

As of March 31, 2017, the weight of foreign contribution in the capital of banking system amounted to 44.3% of paid up assessed capital or 8.5 billion soms. 

As of March 31, 2017, the liquidity ratio of the banking system amounted to 73.7% (end of 2016 75.5%) with the 45% standard. 

Return on assets of the banking system (ROA) constituted 0.4% (at the end of 2016 ROA 0.5%) and return on equity (ROE) 2.5% (at the end of 2016 ROE 3.3%). 

As of March 31, 2017, the general level of financial intermediation (assets/GDP) constituted 38.3%. 

 

 

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1 Preliminary data. 

2 Without deposits of banks. 

3 Without loans given to banks and other FCI.