The profitability of the banking sector has decreased, but capital and liquidity indicators are above regulatory standards.

Виктор Сизов Exclusive
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- As of January 31, 2026, the net total capital of the banking sector of Kyrgyzstan reached 212.6 billion soms, which is 1.3% lower than the figure at the beginning of the year.

According to the National Bank, at the end of 2025, this figure was at 215.5 billion soms.

The share of foreign capital in the banking sector is 16%, which equals 26.6 billion soms of the total paid-up charter capital.

At the end of 2025, the share of foreign participation was 16.5%, with the amount also being 26.6 billion soms.

Nevertheless, key stability indicators of the banking sector remain above the established norms.

The capital adequacy ratio stands at 29.1% with a norm of 12%, the leverage ratio is 15.8% with a minimum of 6%, and the liquidity ratio is 86.3% with a norm of 45%.

At the same time, there is a decline in profitability indicators. The return on assets (ROA) decreased to 2.1% compared to 3.5% at the end of 2025, while the return on equity (ROE) fell to 13.8% from 23.3%.

Financial intermediation is represented by the following data: the ratio of assets to GDP was 66.9% compared to 61.3% at the end of 2025, loans to GDP were 25.5% versus 25.7%, and deposits to GDP were 43.9% compared to 43.8%.
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