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Trends of the development of the banking system 

(as of December 31, 20181

As of December 31, 2018, 25 commercial banks (including the Bishkek branch of National Bank of Pakistan) and 321 branches of commercial banks operated on the territory of the Kyrgyz Republic. 

As of December 31, 2018, the total assets of the banking system have increased since the beginning of the year by 12.1% to 222.0 billion soms. 

The total deposit base2 of the banking system constituted 133.1 billion soms, having increased since the beginning of the year by 9.5%, including: 

- deposits of the enterprises totaled 45.5 billion soms (an increase of 5.6 percent)

- deposits of the population totaled 71.5 billion soms (an increase of 11.9 percent)

- deposits of authorities totaled 4.8 billion soms (a decrease of 22.5 percent)

- deposits of non-residents totaled 9.7 billion soms (an increase of 37.7 percent)

- deposits of other FCI totaled 1.5 billion soms (an increase of 16.1 percent)

The volume of loans to customers3 (loan balance) of the banking system as of December 31, 2018 amounted to 127.9 billion soms, having increased since the beginning of the year by 18.1% (end of 2017 108.3 billion soms). 

The share of nonperforming loans in the loan portfolio of the banking system constituted 7.5% or 9.6 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 December 31, 2018, amounted to 36.5 billion soms, having increased by 8,6% 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 23.7% (end of 2017 24.2%) with the 12% standard. 

As of December 31, 2018, the weight of foreign contribution in the capital of banking system amounted to 47.3% of paid up assessed capital or 11.1 billion soms. 

As of December 31, 2018, the liquidity ratio of the banking system amounted to 66.9% (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) 9.5% (at the end of 2017 ROE 7.6%). 

As of December 31, 2018, the general level of financial intermediation (assets/GDP) constituted 39.8%. 

 

 

 

 

 

 

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.