About The Bank

The bank provides a wide range of banking services to private customers, sole traders and corporate clients, including lending, payment and cash management services, money transfers, online banking and other financial solutions.

The bank is a member of the deposit insurance system and undergoes an annual international audit of its financial statements.

Over more than 29 years in business, Dos-Сredobank OJSC has built up a solid customer base, established robust business processes and demonstrated its stability across a range of economic conditions.

The Bank’s activities are aimed at supporting the economy of the Kyrgyz Republic. Dos-Сredobank OJSC promotes the development of entrepreneurship, contributes to job creation and helps to improve financial literacy among the population.

The bank fosters international cooperation and maintains correspondent relationships with overseas financial institutions, providing clients with access to transactions both within the country and abroad.

The bank is a member of the Union of Banks of Kyrgyzstan and the American Chamber of Commerce in the Kyrgyz Republic.

All of the Bank’s branches comply with the requirements of the National Bank of the Kyrgyz Republic and are equipped with the necessary infrastructure to carry out banking operations, including security and cash collection systems.

Services and Accessibility
The bank provides customers with access to its services through various channels –

• 24/7 branches in Bishkek and Osh
• contact center 8686 (24/7)
• Loans and instalment plans processed in about 30 minutes
• E-wallets (UMAI, Balance.kg, cash2u)
• remote services via mobile applications and online banking

The Bank’s key products and services
Dos-Credobank OJSC develops both traditional banking products and modern digital solutions, providing convenient access to financial services.

Simbank
A digital banking service launched by the Bank in 2024.

It allows customers to apply for a Visa credit card, make transfers and payments, and use banking services online.

DCB 360
A mobile app for managing loans.

Information on current loans, payment schedules, online repayments and notifications.

DCB Business
A solution for entrepreneurs and businesses.

Account management, transfers and settlements, payment processing, and payment of taxes and statutory charges.

Online Banking
Online banking system.

Account management, making payments (including SWIFT), foreign exchange transactions and online document processing.

International transfers and payments
The Bank’s customers can make transfers via the systems below:

Amanat, SWIFT, SENDY, Ria, Western Union, MoneyGram, UPT, Kwikpay, Korona and others.

This ensures the convenience and reliability of transactions both within the country and abroad.

On 26 December 2025, the Bank opened the Doscredobank VIP Centre for clients who value a personalised approach, confidentiality and a high standard of service.

Exceeding expectations. Every day, we provide high-quality financial services at high speed, for the benefit of people and society, using innovation and cutting-edge technology.

The Bank is committed to delivering a high standard of service, ensuring the reliability of its operations and developing technological solutions as the foundation for trust and long-term partnerships with our clients.

The fulfilment of this mission is based on the implementation of digital solutions, the automation of business processes and the use of modern technologies, which enables the Bank to improve operational efficiency, ensure its sustainability and comply with regulatory requirements.

A focus on the interests of customers, business and the state, responsible resource management and a contribution to the economic development of the Kyrgyz Republic form the basis of the Bank’s long-term and sustainable development.

Strategic goal

To become an innovative, versatile, growing and competitive bank that helps its clients achieve their financial goals.

The Bank’s liability

The Bank operates with a sense of responsibility towards its:

• shareholders: for the effective management of capital
• clients and depositors: for the safety of funds and the quality of services
• society: for compliance with the law and its contribution to economic development

The Bank’s philosophy

The Bank’s philosophy is based on the principles of Kaizen, an approach aimed at the continuous and systematic improvement of processes, service quality and management.

Furthermore, the Bank’s philosophy is founded on the principles of fairness, impartiality and sound judgement. Harmonious relationships, both within the Bank and with its external environment, are achieved through mutual trust, a responsible approach and continuous development.

Key principles

• Customer focus: The Bank’s services are tailored to its customers’ needs
• Ongoing improvement: continuous improvement of processes and service quality
• Openness and transparency: collaboration and decision-making based on valid information
• Reliability and quality: operational stability and a high standard of service
• Data-driven management: decision-making based on analysis and facts
• Standardisation and control: compliance with uniform standards and the stability of business processes