SMART FİNANS Competitors

Kapital Bank is one of the key drivers of Azerbaijan’s financial sector, with a strategy built on customer centricity and continuous innovation. Through the country’s most extensive branch and service network, the Bank provides accessible, modern and inclusive financial solutions to individuals and businesses across Baku and all regions. By placing the evolving needs of its clients at the center of its operations, Kapital Bank empowers individuals, entrepreneurs and businesses with technology-driven, efficient banking services. As an active financier of Azerbaijan’s economy, the Bank supports key industries such as energy, agriculture, transportation, communications, and construction, and serves as the State Agent-Bank for major government and social programs. The Bank’s Birbank mobile app, with over 3 million users, plays a transformative role in shaping digital banking behaviors in the country. In line with its innovation agenda, Kapital Bank is a founding pillar of Bir ecosystem, the first fully integrated digital ecosystem in the Caucasus region, delivering advanced digital financial solutions that enhance the customer experience beyond traditional banking. Internationally, Kapital Bank partners with leading global financial institutions such as Bank of New York Mellon, Intesa Sanpaolo, LBBW, Bayerische Landesbank, Commerzbank AG, Raiffeisen Bank International AG, CaixaBank, among others. The Bank also holds principal memberships with Mastercard International and VISA International, offering customers a comprehensive suite of modern payment services. Focused on financial inclusion, economic growth and digital transformation, Kapital Bank continues to shape the future of Azerbaijan’s banking sector.

The International Bank of Azerbaijan is a National Development Bank providing important support to the stability of Azerbaijan banking system, its confidence domestically and internationally, as well as to socio-economic development of the country. TheInternational Bank of Azerbaijan is a universal bank applying most advanced technologies to provide the wide range of high quality services to the customers.

Unibank is one of the largest private banks established in Azerbaijan in July 1992 under the name of MBank. It was established on 15 October 2002 as a result of the merger of the two advanced private commercial banks of Azerbaijan MBANK and PROMTEKHBANK. On October 15, 2002, after the merger of Mbank with PROMTEXBANK, one of the leading banks of Azerbaijan, the bank's name was changed to Unibank. We, being a customer-oriented bank, take into account the needs of our customers in different regions and offer products and services of a global nature that are simultaneously adapted to local markets. At the same time, we strictly adhere to high ethical standards and the principle of social responsibility. It is no accident today that Unibank enjoys a well-deserved reputation in the financial market.