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Kapital Bank, formerly known as ''United Universal Joint-Stock Bank'', is an Azerbaijani bank with headquarters in Baku. Based on its branch numbers Kapital Bank has the leading position in the country with 89 branches and 5 sub-divisions in the regions and in Baku. As of 2012 the bank had more than 22,000 commercial client and more than 2 million individual clients. Kapital Bank renders services and provides financing to the main industries of the economy, i.e. chemical and gas industries, agriculture, transportation, communications, and construction. It is a bank of social importance - the State Agent-Bank implementing major state and social programs. ==History== The bank was established in 2000 as a result of the merging of three major state banks in Azerbaijan, i.e. Agro-Investment Bank, Industrial-Investment Bank and Savings Bank. It was renamed to Kapital Bank in January, 2005. Being a successor of Savings Bank, it dates its history back to 1874 when the first branch of the Saving Bank had been opened in Baku.〔(The official web page of Kapital Bank, Bank's History )〕 Between 2000 and 2006 the company ownership changed and PASHA Holding LLC became the majority owner holding 99.87% of the shares. The shareholders' equity announced at the amount of AZN 185 mln ($176 mln) and makes up AZN 50 mln. Ernst & Young company is the official auditor of the Kapital Bank. In 2012 the Bank was assigned with the international ratings by Fitch Ratings and Moody's International. The ratings were as follows: from Fitch Ratings - Long-term Issuer default and Support Rating Floor "B+"; Support rating "4"; Individual rating "D/E"; Stable Outlook. From Moody's International - "Ba3" long-term foreign currency deposit ratings, "NP" short-term local currency deposit ratings and an "E+" financial strength rating (FSR). All ratings carry stable outlooks. The Bank's customer base is also steadily increases: more than 22,000 legal entities and more than 2 mln.individuals. Bank has been demonstrating the unprecedented growth. One of the key success factors that enabled such a progress is the implementation of the corporate governance principles in the bank that provide the transparency, observance of the interests of all shareholders and effective decision-making process. By the decision of the Supervisory Board dated by June 10, 2013 Mr. Rovshan Allahverdiyev was appointed the Kapital Bank Management Board's Chairman. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Kapital Bank」の詳細全文を読む スポンサード リンク
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