English
English
CHAIRMAN OF THE BOARD
DEPUTY CHAIRMAN OF THE BOARD
DEPUTY CHAIRMAN OF THE BOARD
MEMBER OF THE BOARD
MEMBER OF THE BOARD / MANAGING DIRECTOR
MANAGING DIRECTOR
Kristina Chervonova possesses over 20 years of experience in the banking sector, including risk management, corporate lending, and retail lending. She served as Deputy Chairperson of the Management Board for Lending at OJSC "Russian Investment Bank," where she was responsible for the implementation of credit policy, loan portfolio management, and the development of the risk management system. Previously, she headed the Risk Management Department at the same bank, where she formed and developed a comprehensive risk management framework. She also worked at the Kyrgyz Investment and Credit Bank (KICB), focusing on corporate portfolio analysis, preparing recommendations for the Credit Committee, and risk monitoring. She holds a higher degree in Economics and has completed numerous international programs in banking risks, regulation, and financial analysis. Kristina Chervonova graduated government-funded department from the Faculty of Economics at the Academy of Public Administration under the President of the Kyrgyz Republic. She joined CJSC "Commercial Bank KSB" in 2018 and was appointed Chairperson of the Management Board in March 2019.
Aizada Zhardamova has over 18 years of experience in the banking sector, specializing in SME lending, corporate lending, and client division management. She also possesses extensive management experience within the credit block, including leading credit departments and serving on the Management Board. During her career at "Kazkommertsbank Kyrgyzstan," she rose from Credit Assistant to Head of the Client Relations Department; she also worked at OJSC "Russian Investment Bank" in corporate and SME lending. She completed RSBP training in credit decision-making and risk management and holds a professional qualification certificate for brokerage activities in the securities market. Throughout her career, she has held positions at "Kazkommertsbank Kyrgyzstan," "UniCredit Bank," and "Rosinbank." She possesses a deep understanding of credit analysis processes, borrower maintenance, and risk management. Aizada holds a higher degree in Economics from the Kyrgyz-Turkish Manas University, where she completed both her Bachelor’s and Master’s degrees in economic specialties. She began her tenure at CJSC "Commercial Bank KSB" in January 2019 and was appointed Deputy Chairperson of the Management Board in March 2023.
Ulanbek Khamraev has over 17 years of experience in banking supervision, auditing, compliance, and financial monitoring. He holds several professional certifications and has completed specialized training, including the CAP (Certified Accounting Practitioner) certification, courses in AML/CFT, financial monitoring, internal control and internal audit, banking risks (GARP), as well as currency control and AML protocols. He served as Inspector and Senior Inspector of the External Supervision Department at the National Bank of the Kyrgyz Republic, followed by roles as Internal Auditor and Compliance Officer at the Bishkek branch of the National Bank of Pakistan. He also has experience as an Auditor and Compliance Officer at the Interbank Processing Center. Ulanbek Khamraev graduated from the International University of Kyrgyzstan with a degree in Economics, specializing in Banking. He has undergone professional training in risk management, auditing, internal control, financial monitoring, and consumer rights protection. He joined CJSC "Commercial Bank KSB" in October 2021 as Head of the Internal Audit Department and was appointed Deputy Chairperson of the Management Board in March 2025.
Bakyt Zakirov has 30 years of experience in the legal field and the banking industry, including leading legal departments, serving on Management Boards and Boards of Directors, and managing the operations of financial organizations. Since 1996, he has held legal and managerial positions in the financial sector, including roles as a lawyer and Head of Legal Services at "Maksat Bank," "Kairat Bank," and "Energobank" (ATF Bank – Kyrgyzstan). He later served as a Member of the Management Board and Board of Directors of OJSC "Energobank" (ATF Bank – Kyrgyzstan), Chairperson of the Management Board of OJSC "Ai-Peri," Deputy Chairperson of the Management Board at "Amanbank" and "Kyrgyzpromstroybank," and Senior Vice President at "AsiaUniversalBank." In 2009–2010, he headed the State Service for Regulation and Supervision of the Financial Market under the Government of the Kyrgyz Republic. He holds a degree in Law from the Kyrgyz-Russian Slavic University. He has completed additional training and certification, including a qualification certificate for brokerage activities in the securities market and training in AML/CFT and banking risks. He has received professional honors, including a Letter of Appreciation and a Certificate of Honor from the Union of Banks of Kyrgyzstan, and the honorary title of "Excellent Worker of the Financial Market of the Kyrgyz Republic." He joined CJSC "Commercial Bank KSB" in November 2018 and became a Member of the Management Board in July 2019.
Saniya Isakova has over 17 years of experience in banking, lending, investment project structuring, and private equity. Prior to her current appointment, she held leadership positions in international investment funds, where she managed investment projects, conducted financial statement analysis, and drafted investment memorandums. Previously, she worked at the Kyrgyz Investment and Credit Bank (KICB), where she progressed from Corporate and Retail Lending Specialist to Senior Credit Underwriter and Head of the SME Division. Saniya Isakova graduated from the Kyrgyz-Russian Slavic University and has completed additional training in SME development and financial analysis. She began working at CJSC "Commercial Bank KSB" in May 2024 and assumed the role of Member of the Management Board and Managing Director in March 2025.
Adilet Shakiraliev is a Managing Director overseeing the Bank’s operations since 2025. He holds higher education degrees in "Banking" and "Finance and Credit." He has over 13 years of experience in the banking sector, including managing departments for loan security, compliance control, and business process optimization. He has completed professional training in compliance risks, AML/CFT, sanctions regulation, collateral appraisal, operational efficiency, and centralized back-office management. During his banking career, he worked at the commercial bank OJSC "Russian Investment Bank," rising from Loan Security Specialist to Credit Manager. He later held a position in the Credit Control Department at CJSC "Bank Kompanion." He joined CJSC "Commercial Bank KSB" in September 2018.
