Baku: Kapital Bank, the country’s first bank, has announced its financial results for 2025, showcasing its success in leading the financial market with a total income of 1 billion 881 million 674 thousand manats. This marked a 27.6% increase compared to 2024, enabling the bank to outperform competitors and maintain its leadership position. The report indicated this as the highest growth rate achieved over the past three years, with total income recorded at 1 billion 474 million 908 thousand manats in the previous year.
According to Azerbaijan State News Agency, the growth in total income was fueled by increases in both interest and non-interest income. Interest income saw a rise of 38.8%, reaching 1 billion 180 million 81 thousand manats, up from 850 million 258 thousand manats in 2024. Non-interest income also increased by 12.3%, from 624 million 651 thousand manats in 2024 to 701 million 592 thousand manats in 2025.
The bank achieved its highest net profit in three years, earning 315 million manats, which is a 68.9% increase from the 186 million 501 thousand manats recorded in 2024.
Kapital Bank’s loan portfolio expanded by 4% to 5 billion 419 million 985 thousand manats, compared to 5 billion 211 million 207 thousand manats in 2024. This growth was primarily driven by consumer and business lending, with consumer loans making up the largest portion of the increase.
Despite a decrease in the total deposit portfolio by 7.7% in 2025 to 8 billion 288 million 654 thousand manats, deposits from individuals rose by 20.9% to 3 billion 136 million 823 thousand manats. Deposits from legal entities amounted to 5 billion 151 million 830 thousand manats.
In terms of capital, the bank saw a 27% increase, reaching 1 billion 178 million 338 thousand manats by the end of 2025, compared to 927 million 943 thousand manats in 2024. The bank’s capital adequacy ratio was 14.14%, surpassing the minimum regulatory requirement of 12.5% for systemically important banks.
The Tier 1 capital adequacy ratio increased to 9.86% by the end of 2025, signifying the bank’s robust financial health and effective risk management. This further strengthened the bank’s reputation and financial stability.
Kapital Bank, part of PASHA Holding, boasts the largest service network in Azerbaijan, with 115 branches and 52 departments nationwide. For more details on the bank’s offerings, visit https://kapitalbank.az, contact their 196 Call Centre, or explore their social media pages. For consumer loans, visit https://kbl.az/prgtk, and for Birbank installment cards, visit https://kbl.az/prcrc.