This report does not constitute a rating action. ALAC--Additional loss-absorbing capacity. CRA--Comparable ratings analysis. GRE--Government-related entity. ICR--Issuer credit rating. SACP--Stand-alone credit profile. Overview Key strengths Key risks Strong domestic competitive position with established footprint in commercial business and public projects. Rapid loan growth will test the bank's ability to manage asset quality. Capital buffer is sufficient to mitigate potential risks resulting from high loan growth. Intensifying competition in the Kyrgyz banking sector. Stable deposit base and high liquidity cushion. High geographic and business concentration in Kyrgyzstan. ABank OJSC will retain its leading franchise in agricultural lending. ABank is Kyrgyzstan’s largest agricultural lender with a 32% market share as of mid-2026. With its historical focus on serving rural and underserved communities,
