Beynəlxalq Bankın reytinqləri yüksəldi

Beynəlxalq kredit reytinqi agentliyi "Moodys Ratings") Azərbaycan Beynəlxalq Bankının (ABB ) yerli və xarici valyutada uzunmüddətli depozit reytinqlərini Ba2-dən Ba1-ə yüksəldib və bu reytinqlər üzrə proqnozu "müsbət"dən "sabit"ə dəyişib.
Marja.az xəbər verir ki, bu barədə "Moodys" məlumat yayıb. 
Eyni zamanda, beynəlxalq kredit reytinqi agentliyi Bankın kredit ödəmə qabiliyyətinin baza səviyyəsini (Baseline Credit Assessments) ba3-dən ba2-yə yüksəldib.
Azərbaycan Beynəlxalq Bankı üzrə BCA-nın ba3 səviyyəsindən ba2 səviyyəsinə yüksəldilməsi bankın yaxşılaşdırılmış gəlirlilik, yaxşı aktiv keyfiyyəti, güclü kapital buferləri, geniş likvidlik və bazar maliyyələşdirməsindən məhdud asılılıq kimi davamlı təcrübəni əks etdirir.
Həmçinin BCA-nın yüksəldilməsi, Azərbaycan Beynəlxalq Bankının ölkənin ən böyük bankı kimi, hökumətin iqtisadiyyatın şaxələndirilməsi üzrə davamlı səyləri ilə dəstəklənən Azərbaycanda əlverişli əməliyyat mühitindən faydalanacağına dair Moodys-in fikirlərini əks etdirir. Qeyd edilib ki, bu, öz növbəsində, onun aktiv keyfiyyətini və gəlirliliyini dəstəkləyərək daha güclü biznes imkanlarına çevriləcək.
Azərbaycan Beynəlxalq Bankının yerli və xarici valyutada uzunmüddətli depozit reytinqlərinin Ba2-dən Ba1-ə yüksəldilməsi onun BCA-nın yüksəldilməsi ilə əlaqədardır. Azərbaycan Beynəlxalq Bankının uzunmüddətli depozit reytinqləri bankın BCA ba2 səviyyəsinə və bankın dövlət mülkiyyətinə və həm kredit, həm də müştəri depozitlərində böyük bazar payına malik ölkənin ən böyük bankı statusuna əsaslanaraq, ehtiyac yarandıqda Azərbaycan Hökumətindən dövlət dəstəyinin yüksək ehtimalını qiymətləndirilməsinə əsaslanır. 
XXX
Moodys Ratings upgrades International Bank of Azerbaijans (ABB Bank) long-term deposit ratings to Ba1 and changes outlook to stable from positive
Frankfurt am Main, July 08, 2025 -- Moodys Ratings (Moodys) has today upgraded International Bank of Azerbaijans (also known as ABB Bank) long-term local and foreign currency bank deposit ratings to Ba1 from Ba2 and changed the outlook on these ratings to stable from positive. Concurrently, we upgraded the banks Baseline Credit Assessment (BCA) and Adjusted BCA to ba2 from ba3, upgraded the banks long-term local and foreign currency Counterparty Risk Ratings (CRRs) to Baa3 from Ba1, and upgraded the long-term Counterparty Risk Assessment (CR Assessment) to Baa3(cr) from Ba1(cr). In addition, we affirmed the Not Prime (NP) short-term local and foreign currency bank deposit ratings, and upgraded the short-term CRRs and CR Assessment to P3/P3 (cr) from NP/NP(cr) respectively.
RATINGS RATIONALE
The upgrade of International Bank of Azerbaijans BCA to ba2 from ba3 reflects the banks sustained track record of improved profitability, good asset quality, strong capital buffers, ample liquidity along with limited reliance on market funding.
The rating action also reflects our view that the International Bank of Azerbaijan, as the largest bank in the country, will benefit from a favorable operating environment in Azerbaijan supported by the governments ongoing efforts to diversify the economy. This, in turn, will translate into stronger business opportunities while supporting its asset quality and profitability.
The upgrade of International Bank of Azerbaijans local and foreign currency long-term bank deposit ratings to Ba1 from Ba2 follows its BCA upgrade. International Bank of Azerbaijan s long-term deposit ratings are based on the banks BCA of ba2 and our assessment of a high probability of government support from the Government of Azerbaijan in case of need, based on the banks government ownership and its status as the largest bank in the country with large market shares in both loans and customer deposits. This support translates into one-notch rating uplift to the banks long-term deposit ratings from its ba2 BCA.
International Bank of Azerbaijans asset quality stabilized in 2024 following material improvement in 2023. Problem loans (Stage 3 under IFRS 9) stood at 3.5% of total loans at year-end 2024, down from 4.6% at year-end 2022. Coverage of problem loans by loan loss reserves remained strong at 108%. We expect asset quality to remain stable, supported by favorable economic conditions in Azerbaijan and improved loan portfolio diversification, particularly in consumer loans and mortgages.
The banks profitability has improved in recent years and will remain robust over the next 12–18 months. This positive trend is driven by the banks increased focus on the high margin retail sector, which now accounts for around 50% of its loan portfolio, and a higher proportion of interest-earning assets. As a result, the net interest margin widened to 5.2% in 2024, up from 4.9% in 2023 and 3.9% in 2022. Return on tangible assets reached 2.6% in 2024, compared to 2.1% in 2022, and will likely remain at this level over the next 12–18 months.
International Bank of Azerbaijans strong capital position remains a key credit strength. Tangible common equity (TCE) to risk-weighted assets (RWA) will remain above 20% over the next 12–18 months, supported by solid internal capital generation and moderate asset growth.
International Bank of Azerbaijans funding profile will remain stable with limited refinancing risk. The bank will continue to rely predominantly on customer accounts, which represented 91% of total liabilities at end-2024. Although the bank has recently returned to international financial markets, its market funding will remain below 10% of its tangible banking assets in the next 12-18 months. Liquidity buffers will remain ample, at around 30–40% of tangible assets, consisting mainly of cash, central bank balances, U.S. Treasury bills, and government-related bonds.
RATINGS OUTLOOK
The outlook on International Bank of Azerbaijans long-term deposit ratings is stable, reflecting our expectation that the bank will maintain sound financial fundamentals over the next 12–18 months.
FACTORS THAT COULD LEAD TO AN UPGRADE OR DOWNGRADE OF THE RATINGS
Sustained improvement in asset quality and profitability and further improvement of the operating environment in Azerbaijan could lead to an upgrade of the banks BCA and deposit ratings. Conversely, the ratings could be downgraded if there are signs of material erosion of the banks financial fundamentals, such as asset quality and profitability or if the likelihood of government support declines.
PRINCIPAL METHODOLOGY
The principal methodology used in these ratings was Banks published in November 2024 and available at . Alternatively, please see the Rating Methodologies page on  for a copy of this methodology.
The net effect of any adjustments applied to rating factor scores or scorecard outputs under the primary methodology(ies), if any, was not material to the ratings addressed in this announcement.