Foreign investments account for 18.9% of the total capital, which is equivalent to 26.4 billion soms (by the end of 2024, this share will be 28.0% or 21.6 billion soms) of the paid-up charter capital of the sector.
The capital adequacy ratio in the banking sector reached 28.3% (compared to 22% at the end of 2024), with a set norm of 12%. The leverage ratio was 15.3% (compared to 11.4%) with a minimum of 6.0%.
The liquidity of the banking system is estimated at 85.5% (compared to 73.1%), with a norm of 45%.
However, profitability indicators have decreased: ROA was 3.7% (compared to 4.3% at the end of 2024), and ROE was 25.6% (down from 32.5%). The level of financial intermediation has increased: assets/GDP — 63.4% (compared to 53.5%), loans/GDP — 26.9% (up from 22.4%), deposits/GDP — 45.1% (compared to 38.9%).
