The presented draft resolution concerning the minimum amount of charter and own (regulatory) capital has been put forward for public discussion. The main goal of the document is to strengthen the financial stability of the banking system and increase trust from investors and clients, as well as to improve the competitiveness of banks at both the domestic and regional levels.
According to the regulator's proposal, the minimum amount of charter capital for new commercial banks, including branches of foreign institutions, should be 5 billion soms.
For already operating banks, a phased increase in capital is planned, which will occur as follows:
- from July 1, 2026 — 1 billion soms;
- from July 1, 2027 — 2 billion;
- from 2028 — 3 billion;
- from 2029 — 4 billion;
- from 2030 — 5 billion.
Particular attention is given to systemically important banks, for which the minimum capital must be at least 8 billion soms, starting from July 1 of next year.
In the event that a bank acquires the status of systemically important, it is required to bring its capital to the established level within a year, and its own (regulatory) capital within three months after notification from the National Bank.
Additionally, new requirements are being introduced for individuals wishing to acquire 100% of the shares of existing banks: they will need to increase the bank's capital to the required level within a year.
According to the initiators, the increase in capital will strengthen the financial stability of banks, expand credit portfolios, attract new investments, and enhance trust from clients and counterparties.
A higher level of charter capital, according to representatives of the National Bank of the Kyrgyz Republic, contributes to the stability of the banking system even during economic shocks, currency fluctuations, and changes in asset values.
As of October this year, the assets of the banking system of Kyrgyzstan have grown from 276 billion to 1.13 trillion soms from 2020 to 2025. The net profit of banks currently amounts to 23.1 billion soms.
