AccessBank announces its financial report for the first half of 2025

AccessBank, the leader in micro-business lending, announces its financial results for the first half of 2025.

For more details, please visit: https://bit.ly/423QT61

According to the results of the 1st half of 2025, the Bank earned a net income of AZN 20.9 million.The Bank’s total assets reached AZN 1.6 billion, marking an 8.3% or AZN 123.3 million increase compared to the same period last year.

The key drivers of this growth were the expansion of the loan portfolio—particularly in business lending—an increase in depositor confidence, and the attraction of new international funding. Therefore, during the first half of the year:

• The loan portfolio grew by 13.3% or AZN 143.7 million, reaching a total of AZN 1 224.6 million by the end of the reporting period.

• Business loans accounted for 76.8% of the total loan portfolio, amounting to AZN 940.4million. Compared to the same period last year, the business loan portfolio increased by 11.7% or AZN 98.9million.

• The deposit portfolio exceeded AZN 1 billion, reaching AZN 1 066.9 million by the end of the first half.

• During the reporting period, AccessBank secured the equivalent of AZN 32.5 million in funding from reputable international lenders. As a result, the total volume of funds raised from international financial institutions reached AZN 135.4 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 first half of 2025, the Bank’s total capital increased by 23% or AZN 38.6 million compared to the same period of the previous year, reaching AZN 205.9 million. This figure is 4.1 times greater than the regulatory requirement. The main drivers of this growth were generated profits and subordinated loans attracted from foreign sources.

• Interest income increased by 12.6% compared to the same period of the year and amounted to AZN 121.3 million. Net interest income increased by 7.1 million and amounted to AZN 74.0 million.

• Net operating profit for the first half of 2025 stood at AZN 34.2 million.

• The Bank maintained a stable liquidity position, with a liquidity ratio of 74.05%—2.5 times higher than the minimum standard set by the Central Bank of Azerbaijan.

AccessBank, a pioneer in the microfinancing market, has been providing services to small and medium-sized enterprises since 2002. The Bank's shareholders include the Asian Development Bank, the European Investment Bank, the International Finance Corporation, and other international organizations and investment funds. With 36 branch offices, including 14 in Baku and 22 in regions, AccessBank continues to offer accessible financing options for MSMEs. For more detailed information on the branh offices, please follow: http://bit.ly/accessbank-filiallar

For more information on the services provided by AccessBank, call 151 or visit the website at www.accessbank.az. You can also follow the bank's social media accounts on Facebook, Instagram, LinkedIn.

*AccessBank CJSC operates under license No. 245 dated 25 October 2002, issued by the Central Bank of the Republic of Azerbaijan. The bank's Head Office is located at 3 Tbilisi avenue, Yasamal district, Baku city.