Kapital Bank
- Company typePublic
- Founded1874
- HeadquartersBaku, Azerbaijan
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
Kapital Bank firmographics
Firmographics- Name
- Kapital Bank
- Legal name
- Kapital Bank OJSC (Açıq Səhmdar Cəmiyyəti)
- Website
- https://kapitalbank.az
- Company type
- Public
- Founded year
- 1874
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Kapital Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- General SME & Middle-Market Commercial Banking (FSABABAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where Kapital Bank is headquartered
LocationHeadquarters
- HQ city
- Baku
- HQ country
- Azerbaijan
- HQ region
- Asia
Offices1 record
Markets served
Kapital Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking interest income from cash loans (up to 50,000 AZN, 10.9%-39.8% annual rate), mortgage loans, micro business loans, auto loans, and deposit-guaranteed loans.
- Card Services: Revenue from Birbank card products including Star (credit line up to 30,000 AZN), Cashback (up to 30% cashback, 2x VAT), Miles (airline miles), and Premium cards with annual fees and transaction commissions.
- Money Transfers: Commissions from domestic transfers via Xəzri system (0.8%) and international transfers via Western Union and Zolotaya Korona (0.75%-1% depending on destination).
- Deposits: Deposit products in AZN (up to 10% annual) and USD (up to 3% annual), with minimum 500 AZN/USD. Interest rates vary by term (1-36 months) and amount.
- Bond Issuance: Corporate bonds with total issuance of 50,000,000 AZN in two tranches, paying 11% annual return with monthly interest payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Cash Loan: Up to 50,000 AZN, 10.9%-39.8% annual rate, 3-59 months |
| Subscription | Annual | Deposit: 500 AZN/USD minimum, up to 10% annual for AZN |
| Subscription | Monthly | Savings Account: 0 AZN/USD minimum, 7% annual for AZN |
| Subscription | Monthly | Deposit Guaranteed Loan: Up to 90% of deposit amount |
| Unit Pricing | Monthly | Deposit Safes: 30-75 AZN monthly depending on size |
| Transaction based/ take rate | Monthly | Birbank Star Card: Credit line up to 30,000 AZN |
| Transaction based/ take rate | Monthly | Birbank Cashback: Up to 30% cashback, 2x VAT refund |
| Transaction based/ take rate | Monthly | TələbəPlus Student Card: Discounts on purchases |
| One time/ perpetual license | Monthly | Corporate Bonds: 50,000,000 AZN total, 11% annual return |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Kapital Bank product offering
Product offeringCore offering
Kapital Bank is Azerbaijan's first and largest bank, providing comprehensive retail, business, and private banking services through its flagship Birbank digital platform (over 3.4 million active users), branches, and ATMs. Core offerings include consumer cash loans up to 50,000 AZN, a portfolio of Birbank debit/credit cards (Star, Cashback, Miles, Platinum, Visa Infinite, Mastercard World Elite), deposits and savings accounts, mortgage and auto loans, micro-business and SME financing, domestic and international money transfers (Western Union, Zolotaya Korona, Xəzri), private banking via Birbank Invest, and insurance products.
Product overview
Kapital Bank operates as Azerbaijan's largest bank with a comprehensive digital banking ecosystem centered on the Birbank platform, which serves over 3.4 million active users. The product portfolio spans consumer and business banking through multiple channels including mobile app, web, and branch network. Core products include Birbank (digital platform), Birbank Star (credit card with credit line up to 30,000 AZN), Birbank Cashback (debit card with up to 30% cashback and 2x VAT), Birbank Miles (travel rewards card), and various premium variants (Birbank Platinum, Birbank Visa Infinite, Mastercard World Elite Miles). Student offerings include TələbəPlus and TəhsilPlus cards. Lending products cover cash loans up to 50,000 AZN, mortgage loans, micro business loans, car loans, and deposit-guaranteed loans. Deposit products include standard deposits (up to 10% annual for AZN), savings accounts (7% annual for AZN), on-demand deposits, and deposit safes. The bank also offers bonds (50 million AZN issuance at 11% annual return), money transfers via Western Union and Zolotaya Korona, private banking, and insurance services. Business banking is served through Birbank Biznes.
Differentiator
Problem solved
Functional benefit
Brands
- Birbank Star: Credit card with up to AZN 30,000 credit line, unlimited cash withdrawals and transfers, cashback from partners, and double VAT on QR payments.
- Birbank Cashback
- Birbank Miles
- TələbəPlus
- Birbank Platinum
- Birbank Visa Infinite
Products and services
- Birbank Digital Banking Platform
- Birbank Star Credit Card
- Birbank Cashback Debit Card
- Birbank Miles Travel Rewards Card
- Birbank Platinum Premium Card
- Birbank Visa Infinite Cashback
- Birbank Visa Infinite Miles
- Mastercard World Elite Miles
- TələbəPlus Student Card
- TəhsilPlus Educator Card
- Cash Loan (Nağd pul krediti)
- Micro Business Loans
- Car Loan (Avtomobil krediti)
- Deposit-Guaranteed Loan
- Mortgage Loans
- Term Deposit (Kapital depoziti)
- Savings Account (Yığım hesabı)
- On-Demand Deposit (Müddətsiz depozit)
- Deposit Safes
- Bank Bonds (İstiqraz)
- Money Transfers
- Private Banking (Birbank Invest)
- Insurance (Siğorta)
- Birbank Biznes Business Banking
- Trendyol Buy Now Pay Later (BNPL)
Quantifiable outcome
- 3.4 million active Birbank users demonstrating widespread digital adoption
- +3 more outcomes
Companies that use Kapital Bank
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
Kapital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature3 records
Kapital Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- Small and Medium Business Development Agency (KOBİA)coreKapital Bank (through Birbank Biznes) officially partnered the 7th Local Companies Promotion Exhibition organized by KOBİA and Marsol Group, bringing together over 300 local companies for B2B networking and government institution meetings.
- Marsol GroupcoreCo-organizer of the 7th Local Companies Promotion Exhibition with KOBİA, supporting small and medium enterprises in Azerbaijan across construction, food, ICT, education, manufacturing, agriculture, logistics, and textile industries.
- VisacoreGlobal payment network partnership enabling Birbank Visa cards including Visa Infinite Cashback and Visa Infinite Miles. Partnership includes metro payment promotions (30 qəpik per ride) and support for TələbəPlus student card project.
- Western UnionmajorInternational money transfer service available at Kapital Bank branches for sending and receiving money to/from over 200 countries worldwide.
- Zolotaya KoronamajorExpress money transfer system covering CIS countries, Russia, Georgia, Kazakhstan, Turkey, and other countries. Transfer time: approximately 5 minutes. Single transaction limit: 10,000 USD.
- TrendyolminorBuy Now Pay Later partnership allowing Birbank customers to shop on Trendyol e-commerce platform with deferred payment options.
- Təhsilin İnkişafı Fondu (Education Development Foundation)minorPartnership supporting TələbəPlus student card project alongside Visa, providing student-focused banking services including discounts and scholarship management.
- e-gov.azcoreIntegration with Azerbaijan government electronic services portal for seamless access to government services.
- ADIF (Azerbaijan Deposit Insurance Fund)coreDeposit insurance system participation ensuring customer deposits are protected under Azerbaijan's deposit insurance scheme.
Scale indicators5 records
Recent moves6 records
Kapital Bank competitors and assessment
Company assessmentDirect peers
- Pasha Bank: One of Azerbaijan's largest privately held universal banks serving retail, SME and corporate clients; direct competitor for deposits, cards, SME lending and digital banking customers in the same market.
- Bank Respublika: Azerbaijani universal bank offering retail deposits, consumer loans, cards and SME products; competes head-to-head with Kapital Bank for mass-market and SME customers in Azerbaijan.
- AccessBank Azerbaijan: Azerbaijan-focused bank with strong micro/SME and consumer finance presence; comparable in micro business lending, agency banking and financial inclusion positioning.
- International Bank of Azerbaijan: State-linked Azerbaijani bank offering full retail, corporate and treasury services; comparable scale and product breadth in the same regulated market.
Broad incumbents
- Halyk Bank: Largest universal bank in Kazakhstan with a dominant retail franchise, leading digital platform and similar mass-market card/deposit positioning; useful regional benchmark for scale, ratings and digital adoption.
- OTP Bank: Large Central/Eastern European universal bank with strong retail, SME and digital banking franchises; comparable as a broad incumbent operating adjacent emerging markets with similar product breadth.
Emerging players
- Kaspi.kz: Kazakhstan's leading super-app combining payments, marketplace and BNPL with a banking licence; comparable in the consumer/payments-led digital banking model that Birbank aspires to in Azerbaijan.
Regional players
- TBC Bank Group: Major retail and SME bank in Georgia/Caucasus with a digital-first strategy; comparable Caucasus peer with similar customer segments and digital-led growth narrative, though operating in a different country.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Kapital Bank social profiles
Digital presenceKapital Bank compliance and trust
Trust signalCompliance3 records
Kapital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kapital Bank leadership team
Management profileNumber of profiles
Profiles1 record
Kapital Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
Kapital Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kapital Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kapital Bank
What does Kapital Bank do?
Kapital Bank is Azerbaijan's first and largest bank, providing comprehensive retail, business, and private banking services through its flagship Birbank digital platform (over 3.4 million active users), branches, and ATMs. Core offerings include consumer cash loans up to 50,000 AZN, a portfolio of Birbank debit/credit cards (Star, Cashback, Miles, Platinum, Visa Infinite, Mastercard World Elite), deposits and savings accounts, mortgage and auto loans, micro-business and SME financing, domestic and international money transfers (Western Union, Zolotaya Korona, Xəzri), private banking via Birbank Invest, and insurance products.
Is Kapital Bank a public or private company?
Kapital Bank is a public company. It is classified as public and is currently operating.
When was Kapital Bank founded?
Kapital Bank was founded in 1874. It employs 5,001 to 10,000 people.
Where is Kapital Bank based?
Kapital Bank is headquartered in Baku, Azerbaijan, in the Asia region.
How does Kapital Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are card Services, money Transfers, deposits and bond Issuance.
Who are Kapital Bank's main competitors?
Direct peers on record are Pasha Bank, Bank Respublika, AccessBank Azerbaijan and International Bank of Azerbaijan. Broad incumbents are Halyk Bank and OTP Bank. Kaspi.kz is listed as an emerging player. TBC Bank Group is listed as a regional player.
Does Kapital Bank have an API?
No public API is recorded for Kapital Bank.
What industry is Kapital Bank in?
Kapital Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAA, General SME & Middle-Market Commercial Banking. Its NAICS code is 522110 and its SIC code is 6022.