What OJSC "Dos-Сredobank" / ОАО "Дос-Кредобанк" does

OJSC "Dos-Credobank" (ОАО "Дос-Кредобанк"), trading as Doscredobank and DCB, is a Kyrgyzstan-licensed commercial bank founded on June 18, 1997 and operating under NBKR License No. 037. Headquartered in Bishkek with 10 branches and 50 savings offices spanning all seven regions of the Kyrgyz Republic, the bank serves individual consumers, individual entrepreneurs, legal entities, and pensioners through a multi-channel delivery model. Revenue is generated primarily via interest income on its lending book (consumer loans from 23%, mortgages from 23%, business loans from 20%, mobile loans at 30.63%, and the DCB GREEN suite from 23%), supplemented by transaction fees from a broad money-transfer network (SWIFT, Western Union, MoneyGram, Ria, KoronaPay, SENDY, BEST, UPT, Kwikpay, Elcart), account and card servicing fees, and deposit operations offering up to 14% on the Bai-Bol product.

Name

OJSC "Dos-Сredobank" / ОАО "Дос-Кредобанк"

Legal name

ОАО "Дос-Кредобанк" (DosCredoBank OJSC)

Website

https://dcb.kg

Company type

Public

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

Doscredobank is a Kyrgyzstan-licensed commercial bank operating since 1997, serving retail consumers, SMEs, pensioners, and legal entities across all seven regions via 10 branches and 50 savings offices, with consumer/mortgage/business lending, deposits, Elcart cards, money transfers, and digital banking under the Simbank and DCB Green platforms.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)

akta.pro secondary industries

Cross-Border A2A & Bank Transfer Networks (FSAMAIAF), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Retail banking services
• Consumer lending
• Commercial banking
• Digital banking
• Green finance

Headquarters

HQ city

Бишкек, Чуйская область

HQ country

Kyrgyzstan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: The primary revenue stream comes from interest earned on various loan products including consumer loans, business loans, mortgages, and specialized green loans. The bank offers consumer loans from 23% annual rate, mortgages up to 23%, and business loans for SME financing.
2. Commission Income from Transfers: Fees earned from money transfer services including SWIFT international transfers, domestic transfers via various systems (Amanat, SENDY, Ria, Western Union, MoneyGram, UPT, Kwikpay, KoronaPay, BEST), and currency exchange operations.
3. Account and Card Services: Revenue from account maintenance fees, payment card issuance and servicing (Elcart cards including specialized cards for pensioners, veterans, children, and social payments), and related banking services.
4. Deposit Operations: The bank accepts deposits (Bai-Bol, Bai-Bol+, Green Deposit) offering interest rates up to 14% annually, using these funds for lending operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels6 records

Core offering

OJSC Doscredobank is a Kyrgyz full-service commercial bank that accepts deposits and extends consumer, mortgage, business, mobile, and green (DCB GREEN) loans to individuals, individual entrepreneurs, and legal entities. It issues Elcart payment cards (including pension, children's, and social cards), runs the Simbank mobile banking service, DCB 360, DCB Business, and Internet Banking platforms, executes domestic and international money transfers (SWIFT, Western Union, MoneyGram, KoronaPay, and others), and distributes electronic wallets (Balance.kg, UMAI, cash2u) through a network of 10 branches, 50 savings offices, and 24/7 service centers across Kyrgyzstan.

Product overview

OJSC "Dos-Сredobank" / ОАО "Дос-Кредобанк" is a full-service commercial bank licensed by the National Bank of the Kyrgyz Republic (License No. 037), offering a broad portfolio of credit, deposit, card, money transfer, and digital banking products. Credit products span consumer loans (5,000–12,000,000 KGS from 23%), business loans (5,000–12,000,000 KGS from 20%), mobile loans (10,000–250,000 KGS at 30.63%), mortgages (200,000–12,000,000 KGS from 23%), and a DCB GREEN sub-brand covering green eco-auto (from 26%), eco-home (from 23%), eco-tourism (from 23%), and eco-agro loans (from 23%). Deposit products include the universal "Бай-Бол" deposit (up to 14% p.a. as of 2026), "БайБол+" deposit (up to 12.5% for 24 months), and a Green Deposit for legal entities (12–13%). Card products include Elcart DCB cards (standard, pension, DCB KIDS children's card, and social payment card). Digital banking is delivered through the Simbank mobile service (launched 2024), the DCB 360 mobile app for credit management, DCB Business for entrepreneurs and legal entities, and Internet Banking. The bank also offers electronic wallets (UMAI, Balance.kg, cash2u), safe deposit boxes, and a business overdraft facility. The bank operates 10 branches, 50+ savings offices, and 24/7 branches in Bishkek and Osh, with correspondent banking relationships globally.

Differentiator

Problem solved

Functional benefit

Brands

• Simbank: Digital banking mobile service launched in 2024, enabling Visa credit card registration, money transfers, payments, and access to banking services without visiting branches
• DCB 360
• DCB Business
• DCB Green
• Бай-Бол
• БайБол+

Quantifiable outcome

• Loan approval from 15 minutes for fast consumer loans
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature5 records

Partnerships

19 partnerships are on record, tiered core, flagship and minor.

• HAYOT BANK (Uzbekistan)coreStrategic or Co-development Partner · 13 August 2026Doscredobank partnered with HAYOT BANK JSC to launch cross-border QR code payment services, enabling Simbank users in Uzbekistan. This partnership expands Simbank's regional footprint and facilitates cross-border financial services between Kyrgyzstan and Uzbekistan.
• Institute of Finance and Sustainability (IFS, Beijing)flagshipStrategic or Co-development Partner · 7 July 2026Doscredobank received delegation from IFS (Beijing) - one of the leading international expert centers in green and sustainable finance. Partnership strengthens bank's expertise in sustainable finance development.
• Climate Finance CentercoreStrategic or Co-development Partner · 1 January 2025Partnership for developing green finance products and climate-related financial instruments, supporting sustainable development initiatives in Kyrgyzstan.
• Green Climate FundflagshipStrategic or Co-development Partner · 1 January 2024Strategic partnership for climate finance initiatives. The partnership supports green bond issuance and sustainable finance development in Kyrgyzstan, contributing to the country's climate goals.
• Gazprom Kyrgyzstan (Газпром Кыргызстан)coreStrategic or Co-development Partner · 9 June 2021Memorandum of Understanding signed for gasification services enabling population and legal entities to access gas supply equipment. Bank offers gasification equipment with 0% interest installment payment up to 18 months, supporting green initiatives and reducing coal consumption.
• WasteNet.KGminorStrategic or Co-development PartnerEnvironmental partnership supporting waste management initiatives and sustainable business practices in Kyrgyzstan.
• Unison GroupminorStrategic or Co-development PartnerPartnership for environmental initiatives and sustainable development programs.
• MoveGreenminorStrategic or Co-development PartnerPartnership supporting green transportation and eco-friendly mobility solutions.
• PeretominorStrategic or Co-development PartnerPartnership for environmental projects and sustainability initiatives.
• AIFC (Astana International Financial Center)minorStrategic or Co-development PartnerPartnership for financial market development and green finance cooperation in Central Asia.
• USAID Kyrgyz RepublicminorStrategic or Co-development PartnerPartnership supporting sustainable development and financial inclusion initiatives in Kyrgyzstan.
• Visa International Payment SystemcoreTechnology or IntegrationVisa recognized Doscredobank's Simbank mobile service with an honorary award for mobile banking innovation. Partnership enables Visa card issuance and Apple Pay integration on Simbank platform.
• Electronic Wallet Providers (Balance.kg, UMAI, cash2u)coreTechnology or IntegrationIntegration with popular electronic wallet systems in Kyrgyzstan for seamless mobile payments and transfers, enhancing digital banking ecosystem.
• Landesbank Baden-Wuerttemberg (Germany)minorOthersCorrespondent banking relationship for EUR transactions, supporting international trade and settlements with European partners.
• National Bank for Foreign Economic Activity of UzbekistanminorOthersCorrespondent banking relationship for RUB and USD transactions, supporting cross-border settlements with Uzbekistan.
• Bank RBK (Kazakhstan)minorOthersCorrespondent banking relationship for KZT transactions, supporting regional financial integration with Kazakhstan.
• China Construction Bank (Kazakhstan Branch)minorOthersCorrespondent banking relationship for CNY transactions supporting China-Kyrgyzstan trade and investment flows.
• Georgia BankminorOthersCorrespondent banking relationship for USD and EUR transactions with Georgia.
• BNB-Bank (Belarus)minorOthersCorrespondent banking relationship for BYN transactions with Belarus.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• TBC Bank Uzbekistan: Digital-first bank in neighboring Uzbekistan serving retail and SME customers with mobile-led onboarding. Relevant emerging competitive reference for Doscredobank's digital roadmap.
• Kaspi.kz: Kazakhstan-based super-app combining payments, marketplace, and fintech services. Represents the digital-first competitive frontier that could eventually pressure Kyrgyz incumbents like Doscredobank.

Regional players

• Halyk Bank: Largest commercial bank in Kazakhstan with comparable retail/SME lending, deposits, cards, and remittance services. Provides a scaled regional benchmark for Doscredobank's product breadth and cross-border strategy.
• Eurasian Bank: Mid-sized Kazakhstan commercial bank with multi-channel retail and SME offering. Comparable regional commercial-bank model with cross-border Central Asia focus.

Direct peers

• Kyrgyz Investment and Credit Bank (KICB): IFC- and EBRD-supported Kyrgyz bank with similar retail/SME lending, multi-channel distribution, and a strong ESG/development-finance positioning that mirrors Doscredobank's DCB Green franchise.
• Optima Bank: Largest commercial bank in Kyrgyzstan, offering consumer loans, mortgages, SME lending, deposits, payment cards, and money transfers. Direct competitor across the full retail and SME banking stack that Doscredobank serves.
• Capital Bank of Kyrgyzstan: Mid-sized Kyrgyz commercial bank offering consumer/SME lending, deposits, and card services — direct competitor for the same mass-market and small-business customer base.
• RSK Bank: Top-tier Kyrgyz commercial bank with nationwide branch presence, consumer and corporate lending, deposits, and card services — direct overlap with Doscredobank's product and distribution model.
• HAYOT BANK (Uzbekistan): Uzbek commercial bank and recent Doscredobank partner for cross-border QR payments. Comparable in cross-border retail payments focus and serves migrant-worker remittance corridors between Kyrgyzstan and Uzbekistan.
• Bakai Bank: Retail-focused Kyrgyz commercial bank with extensive urban branch network, consumer lending, and remittance services; comparable in customer mix and physical-channel emphasis.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xtwitter.com/doscredobank_kg
• Facebookfacebook.com/doscredobank.kg
• LinkedInlinkedin.com/company/ojcs-dos-%D1%81redobank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

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 OJSC "Dos-Сredobank" / ОАО "Дос-Кредобанк"