What exactly is being proposed?
According to the proposal, for new commercial banks (including branches of foreign banks), the minimum amount of charter capital will be at least 5 billion soms.For existing banks, the following stages of increasing the minimum charter capital are provided:
- 1 billion soms – from July 1, 2026;
- 2 billion soms – from July 1, 2027;
- 3 billion soms – from July 1, 2028;
- 4 billion soms – from July 1, 2029;
- 5 billion soms – from July 1, 2030.
The draft resolution also contains information about the requirements for individuals acquiring 100% of the voting shares of existing banks.
If the resolution is approved, it will come into effect on January 1, 2026.
What is the purpose of this?
The National Bank emphasizes that the charter capital represents a stable part of the capital that cannot be withdrawn abroad. This means that this amount will remain in the economy of Kyrgyzstan until the bank is liquidated. The increase in charter capital is aimed at strengthening financial stability and meeting the requirements of regulators.Particular attention is paid to the fact that adequate capital management is a key indicator of the reliability of both individual banks and the entire banking system.
As a result of increasing the charter capital, the following positive changes may occur:
- strengthening financial stability;
- expansion of the loan portfolio and assets;
- attracting new investments and increasing the share of participation;
- maintaining the efficiency and reliability of banking operations;
- creating attractive conditions for potential counterparties and banks.
