AccessBank, the leader in microbusiness lending in Azerbaijan, announces its financial results for the third quarter of 2025.

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According to the results of the reporting period of 2025, the Bank earned a net profit of 35.6 million manat. The Bank’s total assets reached AZN 1.6 billion, marking a 10.6% or AZN 155.1 million increase compared to the same period last year.

The main factors behind this growth include the expansion of the loan portfolio — particularly business loans — the increasing trust of depositors in the bank, as well as the attraction of new international credit lines. In particular:

•    The loan portfolio grew by 15.6% or AZN 175.2 million, reaching a total of AZN 1 296.9 million by the end of the reporting period.
•    Business loans accounted for 76.8% of the total loan portfolio, amounting to AZN 995.8 million. Compared to the same period last year, the business loan portfolio increased by 13.9% or AZN 121.5 million.
•    The deposit portfolio exceeded AZN 1 billion, amounting to AZN 1 045.1 million at the end of the reporting period.
•    During the reporting period, AccessBank secured the equivalent of AZN 45.3 million in funding from reputable international lenders. As a result, the total volume of funds raised from international financial institutions reached AZN 145.7 million.
•    In addition, within the framework of long-term cooperation with international financial institutions, the Bank attracted USD 10 million in subordinated debt obligations.
•    During the reporting period of 2025, the Bank’s total capital increased by 29.5 % or AZN 50.5 million compared to the same period of the previous year, reaching AZN 221.8 million. This figure is 4.4 times greater than the regulatory requirement. The main drivers of this growth were generated profits and subordinated loans attracted from foreign lenders.

•    Interest income increased by 13.2 % compared to the same period of the year and amounted to 187.1 million manat. Net interest income increased by 11.2 million and amounted to AZN 114.2 million.
•    Net operating profit for the reporting period of 2025 stood at AZN 54.7 million.
•    The Bank maintained a stable liquidity position, with a liquidity ratio of 67.68%—2.3 times higher than the minimum standard set by the Central Bank of Azerbaijan.