One of the main conditions for effective economic development of the Latvian banking system, commercial banks are able to maintain financial stability, one of the most important indicators of the bank's capital adequacy, which also includes the concept of "customer capital". Regardless of what new technologies or new products offered by banks to their customers, they fail to retain existing and attract new customers, if one of the main priorities will be put forward their relationship. The bank's customers in its own way is the most valuable assets are not reflected in the overall balance sheet. Consequently, each bank has to learn how to attract their customers so that they could not entice competitors. It is therefore important to establish close contacts with customers, who rarely come to the bank and its financial activity mainly carried out through a remote access system. As well as customer relations should be involved not only the banking operations performers, but also the highest level of management. Commercial banks need to understand and know their customers' needs, as well as continuously monitor the changes. To be able to provide the bank's customer loyalty to your bank and, consequently, customer capital refunding, raised several integrated intellectual capital conditions, which allowed to clarify what components made up of client funds.