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Kyrgyzstan’s banks are earning less, but their resilience remains high

Published

06/29/2026, 18:19

Kyrgyzstan’s banks are earning less, but their resilience remains high

The profitability of Kyrgyzstan’s banking sector fell in 2025, yet the system’s resilience remains high. This is stated in the National Bank’s annual report.

The return on assets (ROA), which reflects how much profit banks generate for every KGS of their assets, fell by 1 percentage point to 3.3 per cent.

Return on equity (ROE), which indicates the efficiency with which banks utilise their own funds, fell from 32.5 per cent to 22 per cent.

Despite the decline in these indicators, the banking sector retains a high level of financial resilience. An assessment has shown that banks are capable of withstanding potential economic shocks, including a deterioration in loan quality and a significant outflow of deposits.

Put simply, banks are now generating lower returns on their assets and capital than they did a year earlier. However, the sector’s financial position remains sound, and it has sufficient resources to withstand potential risks.

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