The country’s first bank, Kapital Bank, has presented its
financial results for the third quarter of 2026. As of September
30, 2026, the bank’s total assets increased by
15.4% compared to the same period of the previous
year, reaching 13 billion 919 million 541 thousand
manats.


In the first nine months of 2026, the bank’s total
income increased by 12.8% and amounted to 1 billion 510 million 119
thousand manats. The growth was driven by an increase
in both interest and non-interest income. Specifically,
interest income increased by 12.8% to 986 million 294
thousand manats, while non-interest
income rose by 13% to 523 million 825 thousand
manats.


The bank’s net profit increased by 29.6%, reaching
297 million 4 thousand manats. For comparison, this
figure amounted to 229 million 129 thousand manats in the same
period of 2025.


As of September 30, 2026, Kapital Bank’s loan
portfolio increased by 17.7% to 6 billion 391 million 310 thousand
manats. The growth was primarily driven by an
increase in business and consumer lending. Specifically,
business loans increased by 33.1% to 2 billion 266
million 953 thousand manats, while
consumer loans grew by 12.9% to 3 billion 536 million
895 thousand manats.







The bank’s deposit portfolio increased by 18.9% to
10 billion 305 million 862 thousand manats.
During this period, deposits of individuals increased
by 32.4% to 4 billion 95 million 139 thousand manats,
while deposits of legal entities rose by 11.3% to 6 billion
210 million 723 thousand manats.


By the end of the third quarter of 2026, the bank’s
total capital increased by 12.4% to 1 billion 221 million 237
thousand manats. It should be noted that this figure
amounted to 1 billion 86 million 332 thousand manats in the same
period of the previous year.


Kapital Bank, the country's first bank, is part of PASHA
Holding. Kapital Bank has the largest service network in Azerbaijan
with 118 branches, 50 divisions and 15 Digital Centers 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. Applications for a cash
loan and a Birbank
card can be submitted online.