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2026-01-01 | 129885

On the Minimum Size of Authorized and Own (Regulatory) Capital of Commercial Banks

The National Bank of the Kyrgyz Republic issued a resolution effective January 1, 2026, establishing minimum authorized and regulatory capital requirements for commercial banks. The regulation mandates a 3.0 billion som minimum for new banks and implements a phased increase for existing banks, reaching 3.0 billion som by July 1, 2030, with a stricter 8.0 billion som requirement for systemically significant banks starting July 1, 2027. It also stipulates strict compliance timelines for banks identified as systemically significant and repeals previous capital regulations from 2023.

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Creation Date: 2026-01-21

RESOLUTION OF THE BOARD OF DIRECTORS OF THE NATIONAL BANK OF THE KYRGYZ REPUBLIC

Bishkek, dated December 29, 2025 No. 2025-P-17/71-2-(NPA)

On the Minimum Size of Authorized and Own (Regulatory) Capital of Commercial Banks

In accordance with Articles 5, 9, and 64 of the Constitutional Law of the Kyrgyz Republic "On the National Bank of the Kyrgyz Republic" and Article 21 of the Law of the Kyrgyz Republic "On Banks and Banking Activity," the Board of Directors of the National Bank of the Kyrgyz Republic resolves:

  1. Establish the minimum size of authorized capital for newly established commercial banks (including the capital requirement for branches of foreign banks) at not less than 3.0 billion soms.

  2. Establish the minimum size of authorized capital for existing commercial banks:

  • by June 30, 2026 – 800.0 million soms;

  • from July 1, 2026 – 1.0 billion soms;

  • from July 1, 2027 – 1.5 billion soms;

  • from July 1, 2028 – 2.0 billion soms;

  • from July 1, 2029 – 2.5 billion soms;

  • from July 1, 2030 – 3.0 billion soms.

  1. Establish for existing systemically significant commercial banks a minimum size of authorized capital at not less than 8.0 billion soms from July 1, 2027.

  2. Establish that in the event a bank is determined to be systemically significant, the bank must, within one year from the date of notification by the National Bank of the Kyrgyz Republic regarding compliance with systemically significant criteria, increase the size of its authorized capital to the established size specified in paragraph 3 of this Resolution.

  3. Establish the economic norm for the minimum size of own (regulatory) capital for newly established banks (including branches of foreign banks) at a size not less than the minimum size of authorized capital established for newly established banks according to paragraph 1 of this Resolution, and for existing commercial banks according to paragraphs 2 and 3 of this Resolution.

In this regard, in the event a bank is determined to be systemically significant, the own (regulatory) capital of such bank must be increased to the size established by paragraph 3 of this Resolution within 3 (three) months from the date of notification of the bank by the National Bank of the Kyrgyz Republic regarding compliance with systemically significant criteria.

  1. Persons who received permission from the National Bank of the Kyrgyz Republic to establish a bank as of the date of adoption of this Resolution must, before obtaining a license to conduct banking operations, increase the size of the authorized capital of the established bank to the corresponding size specified in paragraph 2 of this Resolution.

  2. Persons who applied to the National Bank of the Kyrgyz Republic with a petition for permission to establish a bank after the date of adoption of this Resolution must form the authorized capital in the size specified in paragraph 1 of this Resolution.

  3. Recognize as having lost force the Resolution of the Board of Directors of the National Bank of the Kyrgyz Republic "On the Minimum Size of Authorized and Own (Regulatory) Capital of Commercial Banks" dated March 15, 2023 No. 2023-P-17/16-4-(NPA).

  4. To the Legal Department:

  • from the day of receipt of the corresponding documents, within 3 (three) working days, publish this Resolution on the official website of the National Bank of the Kyrgyz Republic;

  • after official publication, send this Resolution to the Ministry of Justice of the Kyrgyz Republic for inclusion in the State Register of Legal Acts of the Kyrgyz Republic.

  1. This Resolution enters into force from January 1, 2026.

  2. To the Licensing Department: within 3 (three) working days, bring this Resolution to the attention of the CJSC "Union of Banks of Kyrgyzstan" and commercial banks.

  3. To the "Secretariat of the Board" Department: within 3 (three) working days, bring this Resolution to the attention of the corresponding structural subdivisions, regional departments, and the Representation of the National Bank of the Kyrgyz Republic in the Batken region.

  4. Entrust control over the implementation of this Resolution to a member of the Board of Directors of the National Bank of the Kyrgyz Republic, who supervises the Licensing Department.

Chairman of the Board of Directors of the National Bank of the Kyrgyz Republic

M. Turgunbaev

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