Currently, 21 of the 33 banks operating in Azerbaijan issue consumer loans. Compared with July increased the number of banks, issuing loans to individuals. In August, "Expressbank" and «Yapı Kredi Bank» (Azerbaijan) restored the issuance of consumer loans. Eighteen of 21 banks are lend only in manats, three banks in manats and dollars. They are "Azrr-Türk Bank", "Bank Avrasiya", and "Bank BTB". The first two banks issued dollar-loans in the past month, and the last bank issues a dollar-denominated loans this month. Dollar loans are designed for those who receive a salary in foreign currency.
For citizens the annual percentage of loans issued in manats varies between 16 and 36%, in dollars - 14-36%. Compared with July, some banks ( "Bank Respublika", "Unibank" and others) have increased the cost of loans by 1-2%. Some banks ( "Kapital Bank" and others)on the contrary, decreased.
|
№
|
Name of commercial bank |
Annual percentage rate of consumer banks |
|
|
In mantas |
In dollars |
||
|
1 |
“Accessbank” |
29% |
- |
|
2 |
“AFB Bank” |
24% |
- |
|
3 |
“AGBank” |
- |
- |
|
4 |
“Amrahbank” |
- |
- |
|
5 |
“Atabank” |
- |
- |
|
6 |
“Azarbaycan Beynəlxalq Bankı” |
19-23% |
- |
|
7 |
“Azarbaycan Sanaye Bankı” |
- |
- |
|
8 |
“Azar-Türk Bank” |
18-21% |
14-18% |
|
9 |
“Bank Avrasiya” |
26-27% |
20-22% |
|
10 |
“Bank of Baku” |
24-29% |
- |
|
11 |
“Bank BTB” |
30-36% |
30-36% |
|
12 |
“Bank Respublika” |
29% |
- |
|
13 |
“Bank Silk Vey” |
16-18% |
- |
|
14 |
“Bank Standard” |
- |
- |
|
15 |
“Bank VTB (Azarbaycan)” |
- |
- |
|
16 |
“Caspian Development Bank” |
24-30% |
- |
|
17 |
“Damirbank” |
27-30% |
- |
|
18 |
“Expressbank” |
28-30% |
- |
|
19 |
“Günaybank” |
24% |
- |
|
20 |
“Xalq Bank” |
- |
- |
|
21 |
“Kapital Bank” |
29% |
- |
|
22 |
İran Milli Bankının Bakı filialı |
19-25% |
- |
|
23 |
“Muğanbank” |
- |
- |
|
24 |
“Naxçıvanbank” |
- |
- |
|
25 |
“NBC Bank” |
- |
- |
|
26 |
“Nikoyl Bank” |
- |
- |
|
27 |
Pakistan Milli Bankının Bakı filialı |
- |
- |
|
28 |
“PAŞA Bank” |
21-22% |
- |
|
29 |
“Rabitabank” |
27-28% |
- |
|
30 |
“Turanbank” |
27-29% |
- |
|
31 |
“Unibank” |
30% |
- |
|
32 |
“Yapı Kredi Bank (Azarbaycan)” |
25-26% |
- |
|
33 |
“Zıraat Bank (Azarbaycan)” |
26-28% |
- |
Only 19 banks issue business loans. If not to take into account "Parabank" which was deprived of licenses, and "Turanbank" which suspend business lending, there not changes in the number of banks issuing loans to entrepreneurs. From the banks that lend to projects of entrepreneurs, 10 lend only in manats, 1 ( "Xalq Bank") only in dollars, 8 in manats and dollars. In AZN annual interest loans total 14-28%, and in dollars - 14-25%.
Compared with July, some banks ("Bank Avrasiya", "Bank Respublika", and others.) some business credits for 1-2% loans reduced, and some ( "Damirbank", and others) increased.
|
№
|
Name of commercial bank |
Annual percentage of business credits |
|
|
In manats |
In dollars |
||
|
1 |
“Accessbank” |
28% |
22% |
|
2 |
“AFB Bank” |
Fərdi yanaşma |
- |
|
3 |
“AGBank” |
- |
- |
|
4 |
“Amrahbank” |
- |
- |
|
5 |
“Atabank” |
- |
- |
|
6 |
“Azərbaycan Beynəlxalq Bankı” |
Fərdi yanaşma |
- |
|
7 |
“Azərbaycan Sənaye Bankı” |
- |
- |
|
8 |
“Azər-Türk Bank” |
Fərdi yanaşma |
Персональный подход |
|
9 |
“Bank Avrasiya” |
20-21% |
18% |
|
10 |
“Bank of Baku” |
22-28% |
- |
|
11 |
“Bank BTB” |
18-25% |
18-25% |
|
12 |
“Bank Respublika” |
25% |
- |
|
13 |
“Bank Silk Vey” |
- |
- |
|
14 |
“Bank Standard” |
- |
- |
|
15 |
“Bank VTB (Azərbaycan)” |
- |
- |
|
16 |
“Caspian Development Bank” |
19-21% |
16-18% |
|
17 |
“Dəmirbank” |
21-23% |
- |
|
18 |
“Expressbank” |
- |
- |
|
19 |
“Günaybank” |
20-24% |
- |
|
20 |
“Xalq Bank” |
- |
16-23% |
|
21 |
“Kapital Bank” |
Fərdi yanaşma |
- |
|
22 |
İran Milli Bankının Bakı filialı |
18% |
- |
|
23 |
“Muğanbank” |
- |
- |
|
24 |
“Naxçıvanbank” |
- |
- |
|
25 |
“NBC Bank” |
- |
- |
|
26 |
“Nikoyl Bank” |
- |
- |
|
27 |
Pakistan Milli Bankının Bakı filialı |
16-17% |
- |
|
28 |
“PAŞA Bank” |
16% |
- |
|
29 |
“Rabitəbank” |
18-27% |
18-27% |
|
30 |
“Turanbank” |
- |
- |
|
31 |
“Unibank” |
14-23% |
14-23% |
|
32 |
“Yapı Kredi Bank (Azərbaycan)” |
- |
- |
|
33 |
“Zıraat Bank (Azərbaycan)” |
Более 20% |
До 20% |
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