The project aims to highlight banks’ financial performance and update the public and potential investors. In the table below, banks are ranked by capital adequacy in accordance with the available data as at April 1, 2009.
The capital adequacy is the percentage of a bank’s total capital to its assets. It is the simplest way to find ballpark ratio on the basis of simple figures released by banks.
Although banks attempt to operate on the minimum capital, government regulators support regular increase in the capitalization. The capital adequacy shows general credibility of a bank.
This indicator allows depositors to assess the risk they may face.
Banks | Total capital / assets (%) | |
1 | Azfinansbank | 92,43 |
2 | Kovser Bank | 60,79 |
3 | Pasha Bank | 54,62 |
4 | Azerbaijan Credit Bank | 46,42 |
5 | Bank Avrasiya | 44,85 |
6 | United Credit Bank | 41,29 |
7 | Gunay Bank | 41,14 |
8 | Gandja Bank | 39,48 |
9 | Deka Bank | 38,61 |
10 | NBCBank | 38,49 |
11 | Melli Iran Bank Baku Branch | 37,70 |
12 | Amrahbank | 36,71 |
13 | YapıKredi Bank Azerbaijan | 35,70 |
14 | Atrabank | 31,94 |
15 | Kafkaz Development Bank | 31,00 |
16 | Debut Bank | 30,34 |
17 | Kredo Bank | 29,57 |
18 | Azer-Turk Bank | 29,20 |
19 | Azerbaijan Industry Bank | 27,84 |
20 | Azernaqliyyatbank | 25,11 |
21 | Turan Bank | 23,34 |
22 | Kapital Bank | 22,47 |
23 | AccessBank | 20,31 |
24 | Royal Bank | 19,23 |
25 | Mughan Bank | 18,78 |
26 | UniBank | 18,41 |
27 | Azerdemiryolbank | 18,09 |
28 | Bank of Baku | 17,81 |
29 | Bank of Azerbaijan | 17,29 |
30 | Xalg Bank | 16,14 |
31 | Para Bank | 15,97 |
32 | AGBank | 15,33 |
33 | Bank Standard | 14,72 |
34 | AtaBank | 14,58 |
35 | Rabitabank | 14,05 |
36 | Bank Respublika | 13,42 |
37 | Texnikabank | 13,40 |
38 | International Bank of Azerbaijan | 11,82 |
39 | Nikoil Bank | 10,72 |
40 | Zamin Bank | 10,07 |
By practice, capital adequacy is more appropriate in a range of 10% and 20% and this ratio is considered credible enough.