Timur Berbaev

Chairman of the Board

Berbaev Timur Omurbekovich is the Certified Lawyer having a master's degree. In 1998 he graduated from the International University of Kyrgyzstan with a degree in International Law, and later he received the academic Master's degree in Jurisprudence with specialization in Civil Law Activities at the Kyrgyz State National University.

He has 18 years of work experience in the banking sector. In 2004 he began working at OJSC “Energobank” as a leading specialist of the Legal Department. Then he has moved up through the ranks to senior positions in various banks and companies. He worked as the Head of the Problem Loan Division and Department at “Zalkar Bank” OJSC, later at “Rosinbank” OJSC, and also headed one of the branches of “Rosinbank” OJSC. Within the period from February 2015 to February 2022, he served at the Management Board of “Microcredit Company “Entrepreneurship Development Fund” OJSC in the capacity of the Member of the Management Board and then the Deputy Chairman of the Management Board.

In early 2019 he passed a competitive selection at the State Property Management Fund of the Kyrgyz Republic and was included in the personnel reserve of the governing bodies of state-owned business entities.

In August 2021 he was awarded the Certificate of Honor from the State Property Management Fund under the Ministry of Investments of the Kyrgyz Republic for high professionalism, fruitful work and in celebration of the "Independence Day of the Kyrgyz Republic".

From March 01, 2022, he has been appointed to the position of Deputy Chairman of the Management Board of “Keremet Bank” OJSC. He is fluent in the Kyrgyz and Russian languages. He has the Certificates of the Association of Accountants and Auditors "Banking Risk Management" and the Union of Banks of Kyrgyzstan "Corporate Governance".

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Dadybaev Maksat Kolbekovich

Deputy Chairman of the Board

Dadybaev Maksat Kolbekovich is a certified international lawyer who has two higher educations and a Master's degree. After graduating from the Academy of the Federal Security Service of the Russian Federation, he continued his studies at the Diplomatic Academy of the Ministry of Foreign Affairs of the Kyrgyz Republic, majoring in International Relations, and later he graduated with a Master's degree in State and Municipal Administration from the Academy of Public Administration under the President of the Kyrgyz Republic. 

Working since 2005 in the State Committee for National Security of the Kyrgyz Republic, he held various managerial positions. Having interacted for more than 15 years with commercial, state and international organizations of the country in the field of national security, he is an expert on the legal aspects of conducting economic activity in the Kyrgyz Republic. He joined the Keremet Bank team in December 2021. He speaks fluent Kyrgyz, Russian, English and Turkish. Holds certificates in "Banking Law and Legislation in the Field of Non-Banking Financial Institutions", "Corporate Governance in FCI", "IFRS in Banks" and "Compliance Risk Management. Sanctions Compliance".

Kastoru Mamytova

Deputy Chairman of the Board

Mamytova Kastoru Kasymbekovna is a certified economist with more than 35 years of diversified experience. After receiving the “Trade Economist” diploma from the Kyrgyz State University in 1985, she worked in her specialty in various sectors of the economy. She has been working in the banking sector continuously since 1993, starting her career in the structure of the National Bank of the Kyrgyz Republic: in the Interstate Settlement Department, in the Banking Supervision Department, later she was appointed as a temporary administrator, and later as a special administrator in “Adil” JSCB from the NBKR.

She held senior positions in various financial institutions of the Kyrgyz Republic. She was Deputy General Director at the Settlement and Savings Company, and Director of the Agency for Reorganization of Banks and Debt Restructuring under the NBKR. For more than 16 years, she headed “Halyk Bank Kyrgyzstan” OJSC as the Chairman of the Management Board (transformed from “Kairat Bank Kyrgyzstan” OJSC). In 2017, she was invited as a member of the Board of Directors at “Kyrgyzkommertsbank” OJSC; in November 2021, she headed the Board of Directors, and a month later - the Management Board of “Keremet Bank” OJSC. She is fluent in Kyrgyz and Russian languages.

Ruslan Raimbekovich Sultanov

Deputy Chairman of the Board

Ruslan Raimbekovich Sultanov is a certified economist and lawyer. After graduating from the Kyrgyz State National University in 1999 with a degree in "World Economy" he entered the International Academy of Management, Law, Finance and Business at the Faculty of Law and graduated in 2010.

During 23 years of his career he managed to prove himself in various positions, including managerial positions, in the State Tax Inspectorate, Bishkek State University of Economics and Entrepreneurship, Kyrgyz State Mining and Metallurgical Institute, Entrepreneurship Development Fund, Republican Radio and Television Center of the Public Television and Radio Corporation of the Kyrgyz Republic, National Television and Radio Broadcasting Corporation of the Kyrgyz Republic, in "Kyrgyz-Swiss Bank" CJSC and various commercial structures.

He received additional education in the basics of legal regulation, financial management and accounting, management accounting, strategic marketing, public procurement management, taxes and law.

Ruslan Raimbekovich is also actively engaged in public activities: he was twice a member of district election commissions; he was a chairman of the Public Council of the State Tax Service under the Government of the Kyrgyz Republic.

Gulmira Toktogozhoeva

Member of the Management Board – Chief Accountant

Toktogozhoeva Gulmira Anarbekovna has more than twenty years of continuous experience in the financial sector, including work in the audit company "Jacobs Audit".  After successful completion of the Economics and Management Faculty of the Kyrgyz State National University, she began to work in OJSC "Kyrgyzpromstroibank", where for 10 years she made a successful career from Specialist to Deputy Chief Accountant, Head of the Back-Office Transaction Support, Head of the Deposit  Operations Administration Division at the Department for Administration of the branch "AUB-Chuy" (formerly OJSC "Kyrgyzpromstroibank"). She has worked at CJSC "Bank Companion" (MFC "Financial Group Companion") for more than five years, holding the positions of Deputy Chief Accountant and Senior Accountant. In the audit company "Jacobs Audit" she gained extensive experience in auditing financial statements of banks, enterprises and international projects. From May 2018 to January 2019 she was a member of the Board of Directors of LLC "Companion-Invest". In February 2019, she was invited to the position of Chief Accountant - Head of the Accounting and Reporting Department at OJSC "Keremet Bank" (formerly OJSC "Rosinbank"), and since October 2020, she has been a member of the Management Board – Chief Accountant of OJSC "Keremet Bank". In connection with the successful certification, she was qualified as international Certified Accounting Practitioner (CAP). She has excellent theoretical and practical knowledge in the field of IFRS, banking, tax and labor legislation of the Kyrgyz Republic. She is fluent in Kyrgyz and Russian Languages.

Kubanychbek Shapakov

Deputy Chairman of the Board

Shapakov Kubanychbek Zhenishbekovich has two specialized financial educations. He graduated from the Kyrgyz State National University with a degree in Finance and Credit and the Finance Academy under the Government of the Russian Federation with a degree in Commercial Bank Supervisor - Bank Manager. He has a number of relevant certificates in banking.

More than 20 years of experience in the banking sector of the Kyrgyz Republic. In the structure of the National Bank of the Kyrgyz Republic, he worked his way up from an ordinary specialist to a managerial position. He was involved in the implementation of tasks on the management of international reserves, as well as the tasks of banking supervision. In 2014, he was invited to “Eurasian Savings Bank” OJSC as Deputy Chairman of the Management Board, and later was elected Chairman of the Bank's Management Board. Since 2019, independent member of the Board of Directors of “FinanceCreditBank” OJSC. He has experience in the microfinance sector of the country and in the Interbank Processing Center. Joined the team of “Keremet Bank” from November 2021. He is fluent in Kyrgyz, Russian and English.