Banks of Kyrgyzstan

All 22 commercial banks licensed by the NBKR: customer rating, products, branches, exchange rates and bank details.

22 organisations

Banking sector of Kyrgyzstan at a glance

NBKR data as of 1 September 2026

23

commercial banks

700 KGS bn

sector assets

385 KGS bn

loan portfolio

470 KGS bn

household and business deposits

9%

NBKR key rate

The banking sector of Kyrgyzstan comprises 23 commercial banks supervised by the National Bank. Four banks are fully or partly state-owned. All banks take part in the deposit protection system: the Deposit Protection Agency guarantees up to KGS 200,000 per depositor per bank. Sector capital adequacy is 22% against a 12% requirement.

State-owned banks

Controlling stake held by the Cabinet of Ministers

Most reliable banks

International shareholders, customer rating 4.6+ and high capital adequacy

Customer reviews

Read all reviews

Optima Bank

Approved within an hour

Applied via FinMarketKG in the evening, Optima called in the morning and the money was on my card by lunch. KGS 300,000 at 21% for 3 years — better than the branch offered.

Айгерим Т., Бишкек · September 3, 2026

MBank

Cashback really arrives

Got the MBank card with 5% fuel cashback. Got KGS 1,840 back in a month. No fees, handy app.

Бакыт О., Ош · August 28, 2026

KICB

16.5% som deposit

Opened the Standard deposit for a year online at 16.5%. Interest lands monthly on my card, all transparent. Insured by the deposit agency.

Гульнара С., Бишкек · August 25, 2026

Bakai Bank

Mortgage without stress

Bought a flat in a new build in microdistrict 7. Bakai gave 15.9% for 15 years with 20% down. The FinMarketKG manager told us which documents to prepare.

Нурлан А., Кара-Балта · August 19, 2026

Demir Bank

Visa Platinum premium card

Free lounges at Manas, travel insurance and 2% cashback on everything. Paid for itself three times over in a year.

Эркин М., Бишкек · August 10, 2026

Kompanion Bank

Fast and unsecured

KGS 150,000 renovation loan with no collateral or guarantors. Decision in a day, 24% rate — excellent for the region.

Динара Э., Джалал-Абад · July 27, 2026

Optima Bank

Good rate, long queue

Optima's dollar rate on Chuy is among the best — 87.25 buy. But there's a 20-minute queue at lunch. Better to exchange in the app.

Руслан К., Бишкек · July 20, 2026

Eldik Bank

State mortgage for a teacher

As a teacher I joined the Menin Uyum programme via Eldik Bank: 8% for 20 years. Waited 2 months for SMC approval, but it was worth it.

Чолпон Д., Токмок · July 8, 2026

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НБКР

FinMarketKG operates under the laws of the Kyrgyz Republic and works only with banks licensed by the NBKR

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Frequently asked questions

As of September 2026, 23 commercial banks operate under an NBKR licence. The largest by assets are MBank, Optima Bank, KICB, Bakai Bank and Demir Bank; together they control over 50% of sector assets.