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from KGS 200000
or equivalent in USD
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KGS
from 20*%
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USD
from 12*%
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Up to KGS 500,000 or equivalent in USD
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For individual entrepreneurs, legal entities with a current business loan secured by real estate
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Loan repayment term: no later than the maturity date of the main loan secured by real estate, but not exceeding 36 months
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Purpose: to replenish working capital and for investments, including refinancing of business loans in other banks
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Collateral: movable property, including inventory (goods and materials), and spousal guarantee. If there is no spouse – a guarantee from a third party with confirmed income
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Interest rates: KGS – 20%, USD – 12%
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Effective interest rate: from 22.3% in KGS, from 12.9% in USD

Loan Application
Other products
News
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KICB – A reliable partner for businesses in the region
The modern city of Tokmok is home to large-scale infrastructure modernization projects. KICB also renovated its branch in Tokmok.
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Notification about technical work
We would like to inform you of upcoming scheduled technical works from 00:00 AM to 5:00 AM on April 11th, 2026.
Technical works will also continue from 00:00 AM to 5:00 AM on April 12th, 2026. -
KICB: 25 Years of Reliability and a New Stage of Development in Osh
The city of Osh is the second-largest city in Kyrgyzstan and one of the most ancient cities in Central Asia. It plays a key role in the country’s economy, serving as the southern administrative and economic center. Access to financing and high-quality banking services is essential for both the business community and the general population.

