AccessBank, the leader in microbusiness lending in Azerbaijan, announces its financial results of the end of 2025.

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According to the results of 2025, the Bank earned a net income of 49.1 million manat. The Bank’s total assets reached AZN 1.8 billion, marking a 19.2% or AZN 285.1 million increase compared to the same period last year.

The main driver of growth was an increasing economic activity supported by increasing confidence of depositors and international lenders. In particular:

•    The loan portfolio grew by 15.9% or AZN 182.6 million, reaching a total of AZN 1 334.2 million by the end of the reporting period.

•    Business loans accounted for 76.7% of the total loan portfolio, amounting to AZN 1 022.9 million. Compared to the same period last year, the business loan portfolio increased by 13.4% or AZN 121.0 million.

•    The deposit portfolio increased by 10.3%, or AZN 105.9 million, compared to the same period of the previous year, reaching AZN 1,132.4 million by the end of the reporting period.

•    During the reporting period, AccessBank secured the equivalent of AZN 100 million in funding from international lenders. As a result, the total volume of funds raised from international financial institutions reached AZN 190.5 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 26.7% or AZN 49.4 million compared to the previous year, reaching AZN 234.4 million. This figure is 4.7 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 14.1% compared to the same period of the year and amounted to 256.2 million manat. Net interest income increased by 15.7 million and amounted to AZN 156.0 million.

•    Net operating profit amounted to AZN 76.3 million in 2025, compared to AZN 70.6 million in 2024.

•    The Bank maintained a stable liquidity position, with instant liquidity ratio of 79.8% — 2.7 times higher than the minimum standard set by the Central Bank of Azerbaijan.