12:03 - 14.07.2026

---

AccessBank, a leader in the micro, small, and medium-sized enterprise lending market, announces its financial results for the first half of 2026.

For more information: https://bit.ly/423QT61

According to the results for the first half of 2026, AccessBank’s net profit increased by 34.4%, or AZN 7.2 million, to AZN 28.1 million. During the first half of 2026, the Bank’s total capital increased by 12.0%, or AZN 28.2 million, compared to the end of 2025, reaching AZN 262.6 million.

The key drivers of this growth include the expansion of the loan portfolio, particularly business loans, the growth of the deposit portfolio, as well as the attraction of new international credit lines. In particular, compared to the corresponding period of the previous year:

• The loan portfolio grew by 12.8%, or AZN 156.8 million, reaching a total of AZN 1,381.4 million by the end of the reporting period.
   
• Loans issued to businesses accounted for 75.4% of the total loan portfolio, with the business loan portfolio amounting to AZN 1,042.1 million. This indicator reflects the Bank’s strategic approach focused on financing the real sector, supporting the development of business entities, and expanding entrepreneurs’ access to financial resources.
   
• The deposit portfolio grew by 1.7%, or AZN 17.7 million, reaching AZN 1,084.6 million by the end of the reporting period. This demonstrates the Bank’s resilience and the continued strengthening of customer confidence.
   
• At the same time, in the first half of the current year, AccessBank attracted AZN 47.3 million in funding from reputable international foreign creditors. This creates a solid foundation for ensuring access to finance for individuals and businesses.
   
• The Bank’s assets reached AZN 1.8 billion, which is 11.4% higher compared to the same period of the last year.
   
• Interest income increased by 16.4% compared to the corresponding period of the previous year, reaching AZN 141.3 million. Net interest income increased by AZN 10.9 million and amounted to AZN 84.9 million.
   
• In addition, non-interest income amounted to AZN 8.6 million during the reporting period.
   
• Net operating profit reached AZN 41.3 million in the first half of 2026.
   
• The Bank’s liquidity position remains stable, with the liquidity ratio standing at 82.2%, which is 2.7 times higher than the minimum requirement set by the Central Bank of Azerbaijan.

 

AccessBank, as a leader in the microfinance sector in Azerbaijan, has been providing services to small and medium-sized enterprises since 2002. Among the Bank’s shareholders are the Asian Development Bank, the European Investment Bank, the International Finance Corporation, and other international organizations and investment funds. With 39 branch offices, including 14 in Baku and 25 in regions, AccessBank continues to offer accessible financing options for customers. For additional information about our branches, you can click here.

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.