# Bangiyada Soomaaliya: inta ay yihiin, waxa ay haystaan iyo waxa ay amaahiyaan

> Bangiyada Soomaaliya oo tirooyin ah: cidda shatiga haysata, inta ay haystaan iyo inta ay amaahiyaan, bangiyada Islaamiga, maaliyadda yar-yar, iyo sida nidaamka dib loogu dhisay kadib 1991.

Source page: https://calankii.com/so/economy/banks/
Language: so
Translation of: https://calankii.com/en/economy/banks/
Last checked: 2026-11-12
Publisher: Calankii (https://calankii.com)

## Cidda shatiga haysata

Diseembar 2025 nidaamka maaliyadda Soomaaliya wuxuu lahaa **34 hay'adood oo asaasi ah oo shati haysta**: 13 bangi ganacsi oo gudaha ah, 1 laan bangi caalami ah, 14 shirkadood oo xawaalad ah iyo 6 shirkadood oo lacagta mobilka ah. Nofembar 2025 Bangiga Dhexe wuxuu sidoo kale shati siiyay **7-dii hay'adood ee ugu horreeyay ee maaliyadda yar-yar (microfinance)**, oo amaahiya laakiin aan lacag dhigasho qaadan ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).

Bangiyada ugu waaweyn waxaa ka mid ah [International Bank of Somalia (IBS)](/en/businesses/international-bank-of-somalia/), [Premier Bank](/en/businesses/premier-bank/), [Salaam Somali Bank](/en/businesses/salaam-somali-bank/), [Dahabshil International Bank](/en/businesses/dahabshil-bank-international/) iyo Amal Bank ([African Business, Ogosto 2025](https://african.business/2025/08/african-banker/reforming-somalias-banking-sector-amid-crisis-and-opportunity)). Eeg [Somalia's main banks and stock exchanges](/so/economy/somalias-main-banks/). Bangiyadu waxay raacaan xeerarka maaliyadda Islaamiga: waxay alaab ku iibiyaan faa'iido la isku raacay, waxay kiraystaan ama faa'iido wadaagaan, halkii ay ribo ka qaadan lahaayeen ([Bangiga Dhexe ee Soomaaliya, hagaha warbixinta bangiyada Islaamiga](https://centralbank.gov.so/wp-content/uploads/2025/06/Guideline-on-Financial-Reporting-for-Islamic-Commercial-Banks-in-Somalia.pdf)). Eeg [Islamic finance, microfinance and Takaful](/so/economy/islamic-finance-microfinance-and-takaful/).

Sannadkii 2022 Soomaaliya waxay shati siisay labadii bangi ee shisheeye ee ugu horreeyay tan iyo 1970 ([The East African](https://www.theeastafrican.co.ke/tea/business/somalia-licences-first-two-foreign-banks-since-1970-3868954)).

Bangiyada yar-yar iyo kuwa cusub, Agro ilaa Ziraat, eeg [Somalia's newer banks](/en/businesses/somalias-newer-banks/) iyo [MyBank Somalia](/en/businesses/mybank-somalia/).

## Baaxaddooda

Dhammaan tirooyinka waxaa laga soo qaatay [Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf):

- **Wadarta hantida:** $2,299 milyan Diseembar 2025, oo 14 boqolkiiba ka badan $2,020 milyan. Taasi waa qiyaastii 20 boqolkiiba wax-soosaarka guud (GDP).
- **Maalgelinta (amaahda):** $540 milyan, oo kordhay 14 boqolkiiba. Maalgelinta ganacsiga ($205 milyan) iyo amaahda hantida ma-guurtada ah ($139 milyan) ayaa ah qaybaha ugu waaweyn.
- **Maalgashiyada:** $359 milyan, badankoodu waa saamiyo shirkado ($215 milyan) iyo hanti ma-guurto ah ($128 milyan).
- **Lacagta macaamiisha la dhigtay:** $1,630 milyan, qiyaastii 82 boqolkiiba waxa ay bangiyadu ku leeyihiin deyn.
- **Amaahda xun:** qiyaastii 3 boqolkiiba amaahda.

## Inta ay ammaan yihiin

Bangiga Dhexe wuxuu bangiyada ku waajibiyaa inay hayaan raasumaal u dhiganta ugu yaraan 12 boqolkiiba hantidooda marka khatarta la miisaamo. Bangiyadu waxay Diseembar 2025 haysteen qiyaastii 15 boqolkiiba. Hantidooda dhaqsaha loo beddeli karo waxay ahayd qiyaastii 54 boqolkiiba deymaha muddada gaaban, halka ugu yaraan loo baahan yahay 20 boqolkiiba. Raasumaalka asaasiga ahi wuxuu ahaa qiyaastii 14 boqolkiiba, halka ugu yaraan loo baahan yahay 8 boqolkiiba ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).

## Cidda amaahata

Qoysas yar ayaa bangiyada ka amaahda. Sahankii qoysaska ee qaranka ee 2022, qoysaskii amaahday **2.0 boqolkiiba** keliya ayaa amaahda ka helay bangi ganacsi. Badankood waxay ka amaahdeen dukaamada iyo ganacsatada, ama qaraabada iyo saaxiibbada (17.5 boqolkiiba) ([Xafiiska Tirakoobka Qaranka ee Soomaaliya, SIHBS 2022](https://nbs.gov.so/wp-content/uploads/2023/07/SOMALIA-INTEGRATED-HOUSEHOLD-BUDGET-SURVEY.pdf)).

Amaahda ganacsiyada waxay ka kordhay $222.7 milyan sannadkii 2021 ilaa qiyaastii $620 milyan Juun 2026, sida ay sheegtay Wasaaradda Qorshaynta ([Dawan Africa](https://www.dawan.africa/news/exclusive-world-bank-says-somalias-development-financing-ranked-top-tier-clarifying-the-dispute-over-the-state-of-the-economy)).

## Sharciyo iyo qalab cusub

- **Sharciga Hay'adaha Maaliyadda**, oo dib loo eegay Maajo 2025: wuxuu dejiyaa xeerarka maaliyadda yar-yar.
- **Sharciga Takaful (caymiska Islaamiga)**, oo leh xeerar ku saabsan shatiga iyo raasumaalka.
- **Nidaamka Macluumaadka Deynta iyo Diiwaanka Dammaanadda**, oo Sebtembar 2025 lagu heshiiyay IFC, oo uu maamuli doono Bangiga Dhexe. Wuxuu u oggolaanayaa amaah-bixiyeyaasha inay arkaan taariikhda qofka amaahanaya, una diiwaangeliyaan waxa amaahda lagu dammaanad qaaday.
- **Kaarka aqoonsiga qaranka ee akoonnada cusub**, oo lagu hubiyo nidaamka eKYC ee Hubiye.

Dhammaan afartaba: [Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf).

Soomaaliya waxay ku biirtay Nidaamka Lacag-bixinta iyo Xisaab-xidhka Pan-Afrikaanka (PAPSS), kaas oo u oggolaanaya in lacag-bixinta u dhaxaysa waddamada Afrika lagu xisaabiyo lacagaha maxalliga ah. Bangiga Dhexe wuxuu qorsheynayaa inuu nidaamka lacag-bixinta degdegga ah ku xiro PAPSS dabayaaqada 2026 ([Dawan Africa, Luulyo 2026](https://www.dawan.africa/news/somalia-plans-regional-payment-integration-through-instant-payments-system); [Eastleigh Voice](https://eastleighvoice.co.ke/somalia/383521/somalia-to-expand-instant-payment-system-with-banks-mobile-money-and-regional-networks)). IMF waxay sheegtay in loo baahan yahay xeerar adag oo lagula dagaallamo lacag-dhaqidda si loo helo **bangiyo wakiil ah (correspondent banks)**, oo ah bangiyada shisheeye ee u oggolaada bangiyada Soomaaliyeed inay lacag-bixin caalami ah diraan oo helaan ([IMF, 5 Oktoobar 2026](https://www.imf.org/en/news/articles/2026/10/05/pr26319-somalia-imf-staff-concludes-2026-article-iv-consultation-mission)).

## Somaliland

Somaliland waxay shati siisaa bangiyadeeda. Wadaag Bank wuxuu furmay 31 Ogosto 2025, isagoo ah bangiga lixaad ee shatiga ku haysta halkaas iyo bangigii Islaamiga ahaa ee ugu horreeyay ee dhijitaal ku dhisan; boorsadiisa lacageed waxay ku xiran tahay Zaad iyo eDahab ([Tech Africa](https://tech.africa/?p=88129)). Eeg [Dhaqaalaha Somaliland](/so/economy/somaliland-economy/).

## Taariikh kooban

Bangiga Qaranka Soomaaliyeed wuxuu furmay 4 Luulyo 1960. Kadib 1969, bangiyada waxaa la qarameeyay xilligii dowladdii militariga. Dhammaan hawlaha bangiyadu way joogsadeen markii dowladdu burburtay Janaayo 1991 ([Bangiga Dhexe ee Soomaaliya, Taariikhda](https://centralbank.gov.so/history/)). Muddo labaatan sano ah, shirkadaha xawaaladda ayaa qabtay shaqadii bangiyada; eeg [Xawaaladda](/so/economy/hawala-and-money-transfer-companies/). Bangiga Dhexe dib ayaa loo aasaasay iyadoo la raacayo Sharciga Bangiga Dhexe ee 2012 (isla ilahaas). Eeg [The Central Bank of Somalia](/so/economy/central-bank-of-somalia/) iyo [Economic history](/so/economy/economic-history/).