Kapital Bank operates successfully as heir of Saving Bank of Azerbaijan. Currently, Kapital Bank is the largest financial institution in Azerbaijan. Kapital Bank serves more than 3 million individuals and more than 22,000 legal entities. At the same time, Kapital Bank closely participates in a number of state- owned social projects and implements a number of development programs of real sector.
Kapital Bank on May 3, 2018 in accordance with the legislation of the Republic of Azerbaijan became a 100% owner of the Limited Liability company "BirKart non-bank credit organization" ("subsidiary"). The purpose of the creation of BirKart NBCO LLC is to improve access to financial resources of the population, especially the sale of card products at accessible points for stimulating non-cash payments.
NBCO can issue secured and unsecured loans based on a license obtained from the financial markets regulator. Loans provided by NBCO can be secured by collateral of movable property and real estate, collateral deposit, guarantees and other legal provisions. Collateral deposit can be accepted only if the financial market authority has issued a license to NBCO. NBCO which has been licensed for the issuance of loans, can carry out the sale of debt obligations (factoring, forfeiting), leasing, promissory notes, issuance of guarantees. NBCO's attraction of deposits from legal entities and individuals is prohibited.
Our Vision is becoming a financial partner of the first choice for our customers, providing a sustainable future and incorporating leading world trends.
Our Mission is to increase the socio-economic welfare of our country through transparent financial partnership in every stage of your life.
Honesty – At the heart of our business is a commitment to honesty. For us, this means always and always taking the right steps, even if no one is watching. At its simplest, it is respect for the laws and regulations of the country in which we operate. Honesty means sticking to a company's code of conduct, even when faced with difficulties. This means never sacrificing the company's interests for personal gain. Honesty means being honest with ourselves, our colleagues, customers and partners and earning their trust.
Quality – Outsiders will always judge us based on the quality of the product we provide or the service we provide. The quality of our work is directly proportional to the dedication and professionalism of our staff. It is impossible to avoid it. We always adhere to the standards we set, we keep our promise day and night - we carefully balance the quality and efficiency to achieve optimal results. Therefore, we strive for new efforts, both individually and as an organization, and constantly strive to learn and improve.
Cooperation – We achieve phenomenal results when we work as a team across departments, business units and countries. When working with our customers, partners and suppliers, we exceed market expectations. The impact of these synergies is many times greater than any individual contribution. Cooperation creates a healthy work environment and leads to higher efficiency. It accelerates problem solving and paves the way for innovation. Trust and respect are nurtured by cooperation.
Entrepreneurial spirit – The world around us is constantly changing, so we often have to work with uncertainty. We are looking for new opportunities and we are ready to take big steps - to do what others do not dare and go where they can not go. Our team is not afraid of difficulties, but sees them as an opportunity for growth. We are not afraid to take on additional responsibilities or to make new efforts. Our staff treats the company with as much care, desire and attention as they can for their own business.
Profitability – We create profits and benefits for our shareholders and, ultimately, for society. In fact, today's profits ensure that the business will be sustainable and competitive in the future. Our staff understands that every manat earned brings value along with every manat saved. At the same time, when pursuing short-term business goals, we never lose sight of our long-term goal (creating and maintaining a sustainable global business). This, in turn, stimulates every strategic decision we target.
• To be a market leader in the retail business
• To pay maximum dividends to shareholders
• To be a role model in corporate governance
• To be the leading banking brand in the region
99.87% of shares of "Kapital Bank" OJSC belong to "Pasha Holding" and 0.13% of shares belong to individuals. The Bank’s share capital is represented by ordinary fully-paid stock with the total amount of 245.8 mln AZN and non-redeemable, non-cumulative preference shares with the total amount of 40 mln AZN. At present, “Kapital Bank” is financial structure with the biggest service network in the country.
Customer satisfaction strategy
Follow the link to learn about our customer satisfaction strategy.