According to data from the National Bank of the Kyrgyz Republic, between January and September 2026, the structure of banking lending shifted toward longer repayment terms. The share of loans issued for more than three years reached 56.2%.

Long-term lending dynamics

Compared to the same period in 2025, the share of long-term loans rose from 41.1%. Meanwhile, the volume of lending for terms exceeding three years increased by 93.8 billion som. This exceeds the overall growth of all lending in the country, which amounted to 64.7 billion som.

Lending indicators (January–September 2026)

249.94billion som, issued for terms >3 years
56.2%share of long-term loans
194.5billion som, issued for other terms

Amid the growth of long-term loans, the volume of lending for other terms showed a decline. The amount of lending for terms up to and including three years amounted to 194.5 billion som, which is 29.1 billion som less than last year's figures.

Context

The National Bank of the Kyrgyz Republic (NBKR) is the state body responsible for the regulation and supervision of the country's banking system.