Borrowers failed to repay 8 billion KGS to banks on time

Bank customers are increasingly failing to meet their payment schedules. As of October 31, 2025, the volume of overdue loans in the banking system reached 8 billion KGS— this is the amount that borrowers failed to repay to banks within the established time frame.

Although in relative terms the situation appears stable—the share of overdue loans is 1.7% of the loan portfolio—in absolute terms the picture is different. Since the beginning of the year, the volume of problem debt has grown by 1.6 billion KGS, or 25.3%. This reflects the accelerated accumulation of delinquencies against the backdrop of expanding lending.

Overall, the volume of classified loans — that is, loans with signs of increased risk — reached 51.4 billion KGS, or 10.8% of the banking system's total loan portfolio. For comparison, at the end of 2024, the share was the same, but in monetary terms, problem loans were significantly lower — 36.6 billion KGS. Thus, over the year, the amount of high-risk loans grew by almost 15 billion KGS.

The Islamic finance segment is showing more moderate dynamics. The volume of overdue financing issued under Islamic principles amounts to 300 million KGS. Since the beginning of the year, this indicator has, on the contrary, decreased by 100 million KGS, or 18%, despite the overall increase in problem debt in the banking system.