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 January 1, 2010.
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.
Bank | Total Capital/Assets | |
1Â | Kovser Bank | 58,80Â |
2 | Bank Avrasiya  | 50,07 |
3Â | Azerbaijan Credit Bank | 46,00Â |
4Â | Gandjabank | 42,62Â |
5Â | Gunaybank | 41,53Â |
6Â | Pasha Bank | 40,86Â |
7 | Deka Bank | 39,41 |
8 | NBCBank  | 38,49 |
9Â | Azernegliyyatbank | 37,19Â |
10 | Melli Iran Bank – Baku | 35,64 |
11 | Birlik Bank  | 35,39 |
12 | United Credit Bank | 32,17 |
13 | Atrabank | 29,29 |
14Â | YapiKredi Bank Azerbaijan | 27,98Â |
15Â | Kafkaz Dervelopment Bank | 26,51Â |
16 | Kredo Bank | 21,68 |
17Â | Azer-Turk Bank | 21,04Â |
18 | AccessBank | 20,37 |
19 | Amrahbank | 20,29 |
20Â | Azerbaijan Industry Bank | 18,93Â |
21Â | Turanbank | 18,51Â |
22 | Bank of Baku | 17,54 |
23Â | DemirBank | 17,51Â |
24 | Unibank | 16,85 |
25 | Bank Respublika | 15,96 |
26 | Xalg Bank | 15,11 |
27 | Royal Bank  | 14,67 |
28Â | Mugan Bank | 14,53Â |
29 | Nikoil Bank  | 14,48 |
30 | Bank Standard | 14,09 |
31 | AGBank | 13,28 |
32 | Parabank | 13,02 |
33Â | Technikabank | 12,81Â |
34 | Rabitabank | 12,67 |
35 | AtaBank | 12,61 |
36 | Bank of Azerbaijan  | 12,51 |
37 | Kapital Bank | 11,74 |
38 | Zamin Bank  | 9,88 |
39 | International Bank of Azerbaijan | 9,84 |
Kovser Bank is in the 1st place for capital adequacy, International Bank of Azerbaijan is in the last place.
By practice, capital adequacy is more appropriate in a range of 10% and 20% and this ratio is considered credible enough.
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