Aiyl Bank

What Aiyl Bank does

Aiyl Bank (also branded as ABank) is a Kyrgyz commercial bank founded in 1996 (or 1999 per some records) headquartered in Bishkek, Kyrgyzstan, operating under National Bank of the Kyrgyz Republic License No. 048. The bank offers a comprehensive suite of retail and corporate banking services, including deposits (up to 14% on som deposits), consumer and business loans, mortgages, agricultural credits, leasing, trade finance (bank guarantees and letters of credit), merchant acquiring, and QR payments. It maintains a specialized agricultural lending program (Program 14) offering government-subsidized loans at 6% annual rates for livestock development, crop cultivation, and water-saving technologies, alongside a Sharia-compliant Islamic finance window supervised by a three-member Shariah Council. The bank distributes products through a physical branch network across Kyrgyzstan, supplemented by digital channels including the ABank Mobile Application (iOS/Android), AB24 mobile banking, and InterBank RS internet banking for legal entities. Revenue is generated primarily through interest income on loans, deposit gathering, money transfer fees (BEREKE, Sendy, SWIFT, MoneyGram, Western Union, Zolotaya Korona, UPT, Astrasend), precious metals trading, and trade finance operations. The bank reported net profit of 7.8 billion KGS over 11 months in 2025, announced by Chairman of the Board Tilek Alimjanov, indicating strong operational profitability within Kyrgyzstan's banking sector.

Name

Aiyl Bank

Legal name

OJSC "Aiyl Bank" (ОАО "Айыл Банк")

Website

https://ab.kg

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Aiyl Bank (ABank) is a Kyrgyz commercial bank founded in 1996, offering retail and corporate banking, government-subsidized agricultural loans, Islamic finance, and money transfer services across Kyrgyzstan, holding National Bank License No. 048.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF)

akta.pro secondary industries

Islamic Corporate Banking (FSABAGAC), Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

Keywords

• Retail banking services
• Commercial banking services
• Agricultural lending programs
• Islamic banking products
• International money transfers

Headquarters

HQ city

Bishkek

HQ country

Kyrgyzstan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest income on various loan products including consumer loans, business/agro loans, mortgages, and government program loans. Agricultural lending is a notable specialty, with rates as low as 6% annual for government-supported programs.
2. Deposit Interest: The bank accepts deposits from individuals and legal entities, offering various deposit products with rates up to 14% for som deposits.
3. Money Transfer Services: Fees from domestic and international money transfers via multiple systems including BEREKE, SWIFT, Zolotaya Korona, UPT, MoneyGram, Western Union, Astrasend, and Sendy.
4. Government Program Agricultural Financing: Specialized agricultural credit programs at subsidized rates (6% annual) supported by government programs, targeting livestock development, crop cultivation, and water-saving technologies.
5. Payment Card Services: Revenue from payment card operations, merchant acquiring (торговый эквайринг), and QR payments.
6. Precious Metals Trading: Sale and purchase of precious metal bars (gold, silver, platinum) and unallocated metal accounts.
7. Islamic Finance Window: Sharia-compliant financing, deposits, and partnership products under Islamic finance principles, overseen by a Shariah Council.
8. Leasing Services: Leasing services for legal entities.
9. Documentary Operations and Trade Finance: Bank guarantees and letters of credit for corporate clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Aiyl Bank (ABank, OJSC) is a Kyrgyz commercial bank providing retail and corporate banking services, including deposits, consumer and business loans, government-subsidized agricultural financing, mortgages, payment cards, money transfers, Islamic (Sharia-compliant) banking, precious metals trading, leasing, documentary trade finance, merchant acquiring, and safe deposit boxes. Services are delivered through a physical branch and sub-branch network across Kyrgyzstan, supplemented by multilingual internet banking portals for individuals and legal entities, the ABank mobile application on iOS/Android, and the AB24 mobile banking platform. The bank is licensed by the National Bank of the Kyrgyz Republic under license No. 048 and operates its own BEREKE domestic money transfer system alongside integrations with major international remittance networks.

Product overview

Aiyl Bank (ABank, Айыл Банк) is a Kyrgyz commercial bank offering a comprehensive suite of financial services through a platform-plus-products architecture. The core digital channels are the ABank Mobile Application (iOS/Android) and separate Internet Banking portals for individuals (24.ab.kg) and legal entities (ib.ab.kg). The product portfolio spans retail banking (deposits, consumer and agricultural loans, mortgages, payment cards), corporate banking (business loans, project financing, leasing, documentary operations, trade finance, bank guarantees, letters of credit), Islamic banking (Islamic Window with Shariah Council oversight), precious metals (gold measured bars, unallocated metal accounts), money transfers (proprietary BEREKE system plus integrations with Sendy, MoneyGram, Western Union, Zolotaya Korona, UPT, Astrasend, SWIFT), merchant acquiring (POS-terminals, QR payments), and self-service facilities (safe deposit boxes, numismatic coins, pension services). The bank also operates an online lending product accessible via mobile.

Differentiator

Problem solved

Functional benefit

Brands

• ABank: Primary commercial banking brand of the bank offering retail and corporate banking services
• Bereke
• Bereke 2.0
• Islamic Window (Ислам терезеси)

Products and services

• Retail Deposit Products Suite of deposit products for individuals including Araketke-Bereket (savings), Kench (term), Ardager (pension), Keremet (savings), Altyn (interest-bearing disbursement), Nariste (children), On-Demand, and Ardager+ deposits, with returns up to 14% on som balances.
• Government-Subsidized Agricultural Financing Program (Program 14) Government co-financed agricultural loans for livestock development, crop cultivation, and water-saving technologies ranging from 50,000 to 3,000,000 som at 6% annual with terms up to 36 months, a 6-month principal grace period, and a 3-month interest grace period (effective rate from 6.16%).
• Business Credits for Legal Entities Business loan products for corporate clients priced from 9% annual with terms up to 7 years, including dedicated agro credits starting from 300,000 som with terms up to 5 years.
• Mortgage Products Mortgage lending products for individuals and legal entities.
• Payment Cards Payment card products including virtual and physical cards offering 24/7 access to funds for individuals and businesses.
• Documentary Operations and Trade Finance Trade finance services for corporate clients including bank guarantees and letters of credit supporting domestic and international transactions.
• Leasing Services Leasing services offered to legal entities for asset financing.
• Bereke 2.0 Corporate Banking Program Dedicated corporate banking program for legal entities offering specialized financial services.
• Project Financing Project financing services for corporate clients.
• Bank Contractual Support Services Contract bank accompaniment and BSK GAUGI contract support services for corporate clients.
• BEREKE Domestic Money Transfer System Proprietary internal money transfer system of Aiyl Bank enabling fast domestic transfers within Kyrgyzstan.
• International Money Transfer Services Outbound and inbound international remittances via SWIFT, Zolotaya Korona, UPT, MoneyGram, Western Union, Astrasend, and Sendy systems across the branch and mobile banking channels.
• POS-Terminals (Merchant Acquiring) Point-of-sale terminal deployment and merchant acquiring services for businesses enabling card-based payment acceptance.
• QR Payments QR code-based payment solution for individuals and legal entities enabling fast contactless transactions.
• Islamic Window (Sharia-Compliant Banking) Shariah-compliant banking window offering Islamic financing, deposits, and partnership products supervised by a dedicated three-member Shariah Council.
• Gold Measured Bars Investment product offering gold measured bars for purchase and sale with quoted buy/sell prices per gram.
• Unallocated Metal Accounts Unallocated precious metal accounts allowing customers to hold and trade gold, silver, and platinum without taking physical delivery.
• Numismatic Coins Collectible coin sales service available to both individuals and legal entities.
• Safe Deposit Boxes Safe deposit box rental service for secure storage of valuables, available to both individuals and legal entities.
• Pension Account Servicing Pension account servicing for retirees, including pension deposit products.
• ABank Mobile Application Mobile banking application for individuals available on iOS App Store and Android Google Play offering domestic and international transfers, product management, QR and government payments, operation confirmations, promotions, online loans, account and deposit management, and virtual and physical card management.
• AB24 Mobile Banking Legacy mobile banking platform for individuals offering 24/7 account access and transactions.
• Internet Banking for Individuals (24.ab.kg) Web-based internet banking platform for retail customers with login via phone number or username and SMS-based authentication.
• Internet Banking for Legal Entities (InterBank RS) Web-based internet banking platform for corporate clients using the InterBank RS system with login via certificate or username/password.
• Bank Account Opening Bank account opening services for individuals, legal entities, individual entrepreneurs, and peasant (farm) households.
• Social Fund Accounts Social Fund account management services for businesses to manage social contributions.
• Green (Universal) Loans Universal/green credit products for sustainable development available to both individuals and legal entities.
• Social Loan Products Social credit products targeting specific segments of the population.

Quantifiable outcome

• Net profit of 7.8 billion som over 11 months in 2025

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Mir Privilege Bank (Russia)minorGTM or Marketing Partner · 10 February 2026Mir Privilege Bank (ОАО 'Мир Привилегий') partnered with Aiyl Bank and Sendy for the 'Valuable Gift' promotional campaign targeting remittance recipients from Russia. The promotion offered discounts of 0.05% via promo codes for transfers of 25,000 rubles or more, along with prize drawings including trips to Issyk-Kul, iPhones, electronics, and home appliances.
• National Bank of the Kyrgyz RepubliccoreOthersRegulatory supervisor and licensing authority. Aiyl Bank holds National Bank of the Kyrgyz Republic license No. 048.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZpd8O03jvD2V0sPi11hx3w
• Facebookfacebook.com/abank.kg
• Instagraminstagram.com/abank.kg
• Xx.com/aiylbank
• LinkedInlinkedin.com/company/ayil-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aiyl Bank