Ishenbaev Maksatbek Beishenbekovich

 Chairman of the Management Board of the Bank

Maksatbek Beishenbekovich has more than 20 years of experience in the banking system, including more than 17 years in managerial positions, is a master of economics. From 2000 to 2004 he was at the head of “Energo Bank”, from 2004 to 2007 he worked in National Bank of the Kyrgyz Republic as a deputy Chairman of the Board. 2007-2010 he was a head of a representative office of “Bank Centre Credit” OJSC. From 2010 to 2012 he was a Chairman of Management Board of “Zalkar Bank”.

Before transferring to the position of Chairman of the Management Board of “Bai Tushum”, we worked as a General Director of “AYU Garant” Insurance company OJSC. He has been awarded a certificate of honor of the Kyrgyz Republic for the contribution to the development of the banking system.

Ishenbaev Maksatbek Beishenbekovich graduated from the Kyrgyz National University, Faculty of Finance and Credit, MBA in the Academy of Management under the President of the Kyrgyz Republic. In addition, a master’s degree in political science (The Graduate School of Policy Science in Saitama, Japan). He studied in Shanghai University of Finance (China), took part in training on macroeconomics at the United Vienna Institute (Vienna, Austria), and training on  the capital market in the training center of the Central Bank of Great Britain (London).

   Muras Rysbekovich Kachkeev

 First Deputy Chairman of the Executive Committee, COO

Muras Rysbekovich Kachkeev possesses more than 20 years of experience in the banking system. In 1995 he graduated from the Economics and Management Department of the Kyrgyz State National University.

He started his career as an economist at the Economic Department of the National Bank of the Kyrgyz Republic. He went from economist to the External Balance Department manager. In 2000 he was appointed Deputy General Director of Settlements and Savings Company OJSC, in May 2007 – First Deputy General Director of RSK OJSC (later renamed to RSK Bank OJSC). From 2010 to 2013 he held the post of Management Board Chairman of Commercial Bank KYRGYZSTAN OJSC, and later he was elected as Chairman of the Board of Directors of CB Kyrgyzstan OJSC. From 2016 to 2018 he held the position of Management Board Chairman of Kyrgyz-Swiss Bank CJSC.

In April 2018, he was appointed to the position of First Deputy Chairman of the Executive Committee, as well as Chief Operating Officer of Bai-Tushum Bank CJSC.


 Irina Valentinovna Kim

 Member of the Executive Committee, Business Director of Bai- Tushum Bank

Irina Valentinovna has been working in the banking system for more than 16 years, has considerable experience in retail, SME and corporate lending. Irina Valentinovna graduated from the Economics and Law Department of the Kyrgyz-Russian Slavic University. She started her career in 2002 in Ineximbank CJSC. From 2004 to 2007, she headed the Department of Small and Medium Business, from 2007 to 2009 – the Retail Lending Department of BTA Bank CJSC. She worked as Director in General Distribution LLC, headed the Financial Institutions Financing Department of Development Fund of the Kyrgyz Republic CJSC. From 2011 to 2012 she worked as Credit Department Manager in Zalkar Bank OJSC.

Starting from 2012, she joined the team of Bai-Tushum Bank as a member of the Bank’s Executive Committee, headed the Sales Department and the Credit Department. Under her leadership, the Bank has built a new banking products sale system and the SME and corporate clients lending system. From 2016 to 2018 she worked in the field of SME lending development in Bank of Asia CJSC and as deputy manager of corporate activities in KICB CJSC.

In 2018, she returned to Bai-Tushum Bank to the position of Executive Committee Member, as well as the Bank’s Business Director.

Irina Valentinovna holds multiple certificates issued by various specialization courses: “Elements of banking and financial analysis of small enterprises”, “Mortgage lending”, “Investment lending”, “Strategic management in the bank. Modeling of banking activities for top and middle managers “.



  Muhamed Jigitalievich Djumaliev

Executive Committee member

He graduated from the International University in Kyrgyzstan, is a Master of International Law.  A professional lawyer who specializes in banking, corporate, labor and land legislation. Muhamed Djumaliev began his career as a lawyer for the LARC legal project, implemented by the Swiss Helvetas Kyrgyzstan Association.

He joined team of the Bai Tushum Bank in 2006, went from a branch lawyer to a member of the Executive Committee of the Bank.

He has many years of experience in the field of law enforcement and legal practice in the field of banking legislation, he was directly involved in the process of transforming a microcredit company into a microfinance company with a license to attract deposits and then to a universal bank with a full banking license.

Since August 2017 he is the head of the legal department, a member of the Executive Committee of the Bank.

  Kanat Maratbekovich Kurmanov is a member of Executive Committee, and Head of credit risk assessment department

He graduated from the Polytechnic Institute named after I. Razzakov majoring in accounting and audit. She has more than 13 years of experience in micro and SME lending. He joined the team of “Bai Tushum” Bank in 2009, in 2014 was appointed as a deputy head of the credit department. Considering the great accumulated experience in lending both methodological and practical, in 2016 he was appointed head of the sales department, Deputy Chairman of the Executive Committee. In 2018, he was appointed to the position of Member of the Executive Committee of the bank, as well as the head of the Credit Risk Assessment Department.

He is an expert in Micro and Small Finance in the KR, trade finance, contract financing and strategic management programs. The main achievement is the launch in the bank of the SME lending and trade finance line.