Finance

Finance

Azerbaijan-based banks ranking by liquidity

02 December 2009 12:17 (UTC +04:00)

Baku. Elnur Huseynguluyev â€“ APA-Economics. APA-Economics provides ranking of Azerbaijan-based banks for their various figures and financial performance.
The project aims to highlight banksâ€™ 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 October 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	32,82
2	NBCBank	11,27
3	Gandjabank	8,84
4	Kafkaz Development Bank	7,40
5	Atrabank	5,32
6	AccessBank	5,28
7	Azerbaijan Credit Bank	4,93
8	Zamin Bank	3,76
9	Deka Bank	3,07
10	Gunaybank	2,88
11	Nikoil Bank	2,58
12	United Credit Bank	2,43
13	Unibank	2,43
14	Turan Bank	2,39
15	Texnika Bank	2,32
16	DəmirBank	2,09
17	International Bank of Azerbaijan	1,85
18	Bank of Azerbaijan	1,85
19	Royal Bank	1,82
20	Kredo Bank	1,82
21	Bank Avrasiya	1,69
22	AGBank	1,67
23	Melli Iran Bank - Baku	1,63
24	Bank Respublika	1,61
25	Bank of Baku	1,54
26	Mughan Bank	1,34
27	Bank Standard	1,14
28	Xalg Bank	1,08
29	Amrahbank	1,03
30	Para Bank	1,02
31	Kapital Bank	0,98
32	Rabitabank	0,92
33	Azerbaijan Industry Bank	0,89
34	Azer-Turk Bank	0,84
35	Pasha Bank	0,78
36	AtaBank	0,78
37	Azernəeqliyyatbank	0,58
38	YapıKredi Bank Azerbaijan	0,56
39	Kovser Bank *	-

Kovser Bank* doesnâ€™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.