Kyrgyzstan bank ranking for Q3 2026: 52% of assets held by top three

Assets of 24 commercial banks of Kyrgyzstan included in the Economist.kg ranking totaled 1.39 trillion som as of September 30, 2026. Since the beginning of the year, the figure grew by 193 billion som, or 16.2%. At the same time, the three largest banks concentrated more than half of the total assets of the ranking participants.

For its analysis, Economist.kg used banks' financial statements as of September 30, 2026, and December 31, 2025. The sample included 24 financial institutions. Keremet Bank was not included in the calculations as its Q3 financial statements could not be obtained.

Ranking participants can be divided into several groups based on their asset size.

The first group consists of Eldik Bank, ABank, and MBANK. Each of their assets exceeds 190 billion som, and their combined volume reaches 720.8 billion som.

The second group includes BAKAI, Optima Bank, KICB, and DemirBank. Their assets range from 86.3 billion to 152.7 billion som.

Following them are four banks with assets ranging from 20 billion to 80 billion som: Companion Bank, O!Bank, FINCA Bank, and Dos-Credobank.

The assets of each of the remaining 13 banks do not exceed 20 billion som.

Growth leaders

The largest increase in assets for the first nine months of 2026 was demonstrated by ABank. Since the beginning of the year, the figure grew by 54.99 billion som. They are followed by BAKAI (+33.48 billion som), MBANK (+24.80 billion som), Optima Bank (+21.44 billion som), and Companion Bank (+9.57 billion som).

In terms of growth rates, Eurasian Savings Bank is the leader. Its assets increased by 207.5%, from 3.15 billion to 9.69 billion som. Second place went to Alma Finance Bank (+163.5%), and third to Commercial Bank KSB (+69.4%). The top five also included Bereket Bank (+36.6%) and Dos-Credobank (+31.3%).

The high percentage figures of Eurasian Savings Bank and Alma Finance Bank are explained by their relatively small base at the end of 2025. Therefore, in monetary terms, their growth is inferior to the results of the largest ranking participants.

Three banks showed a reduction in assets. O!Bank saw its figure decrease by 1.74 billion som, or 5%. Muras Bank lost 73.2 million som (4.4%), and CapitalBank lost 21.5 million som (0.2%).

Asset concentration

Out of the total 1.39 trillion som in assets of the 24 banks, Eldik Bank, ABank, and MBANK account for 720.8 billion som, or 52%.

The five largest banks hold 975.5 billion som, which accounts for 70.4% of the sample's assets.

Concentration is even higher among the top ten: they account for about 1.27 trillion som, or 91.4% of the total volume.

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