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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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Notification of technical works
We hereby inform you that on the night of August 20th, 2025 from 00:00 a.m. to 03:00 a.m. technical works will be carried out. During the above-mentioned period mobile application and ibank web version will be unavailable.
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KICB invites students to participate in Kwang Young Choi scholarship competition
KICB reminds that the application process for the Kwang Young Choi Scholarship is open until August 31, 2025.
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Notice to Visa Infinite Cardholders
We inform you that due to the renewal of partnership relations with a new provider, free baggage wrapping and free access to the VIP lounge are temporarily unavailable at Manas airport.