AccessBank, the leading bank in Azerbaijan’s micro, small, and medium enterprise (MSME) lending market, announces its financial results for the first quarter of 2026.

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According to the results of the 1st quarter of 2026, the Bank earned a net profit of 13.0 million manat. The same figure amounted to AZN 10.0 million in the first quarter of 2025. In the first quarter of 2026, the Bank’s total capital increased by 5.9%, or AZN 13.8 million, compared to the end of 2025, reaching AZN 248.2 million, which is 5.0 times higher than the regulatory requirement.

The key drivers behind this growth include the expansion of the loan portfolio - particularly business lending and increase in depositors’ confidence to the Bank, as well as the attraction of new international funding. Specifically, compared to the corresponding period of the previous year:

-    The loan portfolio grew by 13.1% or AZN 155.1 million, reaching a total of  AZN 1,341.3 million by the end of the reporting period.

-    Business loans account for 76.0% of the total loan portfolio, with the business loan portfolio totaling AZN 1,019.5 million.

-    The deposit portfolio grew by 3.4%, or AZN 36.4 million, to AZN 1,096.5 million as of the end of the reporting period.

-    At the same time, in the first quarter of the current year, AccessBank attracted AZN 46.8 million in funding from reputable international creditors. This creates a solid foundation for ensuring access to finance for both individuals and businesses.

-    The Bank’s assets reaches AZN 1.8 billion, which is 12.4% higher compared to the same period of the last year.

-    Interest income increased by 17.8% compared to the corresponding period of the previous year, reaching AZN 69.5 million. Net interest income increased by AZN 4.8 million, totaling AZN 41.0 million.

-    In addition, non-interest income totaled AZN 4.4 million for the quarter.

-    As a result, the Bank’s net operating profit amounted to AZN 19.9 million in the first quarter of 2026.

-    The Bank’s liquidity position remains strong, with a liquidity ratio of 88.2%, which is 2.9 times higher than the minimum requirement set by the Central Bank of Azerbaijan.