The country’s first bank, Kapital Bank, has presented its
financial results for 2025. According to the report as of December
31, 2025, the bank’s total income increased by
27.6 % compared to 2024, reaching 1
billion 881 million 674 thousand manats. With this result,
the bank outperformed its competitors in the financial market and
maintained its leading position among banks. At the same time, the
highest growth rate of the past three years was recorded. For
reference, total income amounted to 1 billion 474 million 908
thousand manats in the previous year.


The growth in aggregate income was driven by an increase in both
interest and non-interest income. In 2025, the bank’s interest
income rose by 38.8 % to 1 billion 180 million 81 thousand manats,
compared to 850 million 258 thousand manats in 2024. Non-interest
income increased by 12.3 %, rising from 624 million 651 thousand
manats in 2024 to 701 million 592 thousand manats in 2025.


The bank also recorded its highest net profit result of
the past three years. Compared to the same period of 2024,
the country’s leading bank earned 315 million manats in net
profit, which is 68.9 % higher than the
net profit of 186 million 501 thousand manats recorded in 2024.


The bank’s loan portfolio increased by 4 % to
5 billion 419 million 985 thousand manats. In
2024, this figure stood at 5 billion 211 million 207 thousand
manats. The growth was mainly driven by consumer and business
lending, with consumer loans accounting for the largest share of
the increase.


In 2025, the bank’s total deposit portfolio amounted to
8 billion 288 million 654 thousand manats. Compared to
2024, the deposit portfolio declined by 7.7 %. In 2025, deposits of
legal entities totaled 5 billion 151 million 830 thousand manats,
while deposits of individuals increased by 20.9 %
to 3 billion 136 million 823 thousand manats.







In 2025, the bank’s capital increased by 27 %.
While this indicator amounted to 927 million 943 thousand manats in
2024, it reached 1 billion 178 million 338
thousand manats by the end of 2025. It should be noted
that the bank’s capital adequacy ratio exceeded the minimum
regulatory requirement of 12.5 % for systemically important banks
and amounted to 14.14 %.


By the end of 2025, the Tier 1 capital adequacy ratio of the
country’s leading bank also increased, reaching 9.86 %. This is an
important factor enhancing the bank’s reputation and ensuring its
financial stability. The indicator confirms not only the bank’s
strong financial resilience but also its advanced risk management
capabilities and robust resources in the interests of all
clients.


Kapital Bank, the country's first bank, is part of PASHA
Holding. Kapital Bank has the largest service network in Azerbaijan
with 115 branches and 52 departments all over the country. For more
detailed information about the bank’s products and services, please
refer to https://kapitalbank.az website, 196
Call Centre or the bank’s various social network pages. To apply
for a consumer loan visit https://kbl.az/prgtk, for a Birbank
installment card visit https://kbl.az/prcrc.