Retail lending accounted for the bulk of ABank's portfolio growth

The loan portfolio of the state-owned “Ayyl Bank” showed growth at the end of 2025, driven primarily by the retail sector. The total volume of loans issued to customers, before provisions, increased to 80.2 billion KGS compared to 49.8 billion a year earlier—a rise of more than 60%.

After deducting provisions for expected credit losses, the portfolio stood at 78.1 billion KGS. This is also higher than the 2024 level (47.4 billion KGS).

The most notable growth was recorded in the retail lending segment. The volume of loans to individuals grew to 65.6 billion KGS, compared to 42.6 billion KGS a year earlier.

Key segments:

• small business loans — 26.5 billion KGS (+18%);
• mortgages — 13.4 billion KGS (+72%);
• consumer loans — 18.9 billion KGS (nearly a threefold increase);
• financial leasing — 6.8 billion KGS (+24%).

The surge in consumer lending stands out in particular, having effectively tripled over the year and becoming one of the main drivers of portfolio growth.

Loans to corporate clients more than doubled—to 14.5 billion KGS compared to 7.2 billion in 2024. However, their share in the portfolio structure still lags behind retail.

Thus, the structure of the bank’s loan portfolio indicates that it is focusing on the mass market—the general public and small businesses.