Azerbaijan-based banks ranking by liquidity

Azerbaijan-based banks ranking by liquidity
# 16 September 2009 15:08 (UTC +04:00)
Baku. Elnur Huseynguluyev – APA-Economics. APA-Economics provides ranking of Azerbaijan-based banks for their various figures and financial performance.
The project aims to highlight banks’ financial performance and update the public and potential investors. In the table below, banks are ranked by liquidity rate (loan-deposit ratio) in accordance with the available data as at July 1, 2009.
This indicator is interesting for a depositor (corporate or individual bodies).
The higher the ratio, the more the bank is relying on borrowed funds, which are generally more costly than most types of deposits.

Banks

Loan / Deposit

1

Birlik Bank

33,19

2

Debut Bank

32,52

3

Kafkaz Development Bank

15,54

4

Gəandja Bank

6,81

5

Access Bank

6,77

6

Azerbaijan Credit Bank

5,61

7

Atrabank

5,54

8

Gunay Bank

3,33

9

Kredo Bank

3,11

10

Deka Bank

2,83

11

Turan Bank

2,73

12

Azerdemiryolbank

2,72

13

Nikoil Bank

2,72

14

United Credit Bank

2,71

15

Zamin Bank

2,69

16

UniBank

2,67

17

Bank Standard

2,27

18

NBCBank

2,24

19

Texnikabank

2,17

20

Bank of Azerbaijan

1,83

21

Royal Bank

1,71

22

Azerbaijan Industry Bank

1,63

23

Bank Respublika

1,59

24

International Bank of Azerbaijan

1,54

25

AGBank

1,54

26

Bank of Baku

1,52

27

Mughan Bank

1,42

28

Rabitabank

1,36

29

Xalg Bank

1,31

30

Para Bank

1,07

31

AtaBank

1,06

32

Əmrahbank

1,03

33

Azər-Türk Bank

1,02

34

Bank Avrasiya

0,98

35

Pasha Bank

0,68

36

YapıKredi Bank Azerbaijan

0,50

37

Melli Iran Bank – Baku Branch

0,35

38

Azerneqliyyatbank

0,29

39

Kapital Bank

-

40

Kovser Bank*

-


Kovser Bank* doesn’t lend interest-bearing loans because it operates on the Islamic principle of banking.

The optimal liquidity ratio is in the range of 0.9 and 1.1 by good practice. That is to say, it is more optimal and efficient when loan portfolio and deposit portfolio are nearly equal.
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