Total capital ratio of Atom Bank 2016-2024
Atom Bank was the first online-only bank to be granted a full UK regulatory license in 2015. After reaching the highest total capital ratio in 2017 at 44.1 percent, the ratio witnessed a downward trend, albeit with slight fluctuations between 2018 and 2024. It stood at 16.4 percent in 2021, its lowest point during this period, despite exceeding minimum regulatory requirements. As of 2024, the ratio was 18.9 percent, down from 19.2 percent in the previous year.
