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

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According to the results of the 1st quarter of 2025, the Bank earned a net profit of 10.0 million manat.
The Bank’s total assets reached AZN 1.6 billion, marking a 14.7% or AZN 202 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 quarter of the year:

•    The loan portfolio grew by 14.6% or AZN 150.7 million, reaching a total of AZN 1,186.2 million by the end of the reporting period.
•    Business loans accounted for 77.9% of the total loan portfolio, amounting to AZN 924.2 million. Compared to the same period last year, the business loan portfolio increased by 15.3% or AZN 122.7 million.
•    The deposit portfolio exceeded AZN 1 billion, reaching AZN 1,060.2 million by the end of the quarter.
•    During the reporting period, AccessBank secured the equivalent of AZN 15.5 million in funding from reputable international lenders. As a result, the total volume of funds raised from international financial institutions reached AZN 132.3 million.
•    In addition, within the framework of long-term cooperation with international financial institutions, the Bank attracted USD 8 million in subordinated debt obligations. As a result, the volume of subordinated debt obligations has increased to AZN 35.6 million.
•    During the first quarter, the Bank’s total capital increased by 31% or AZN 48.3 million compared to the same period of the previous year, reaching AZN 203.8 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 11.1% compared to the same period of the year and amounted to 59.0 million manat. Net interest income increased by 3.0 million and amounted to 36.2 million manat.
•    Non-interest income amounted to AZN 3.6 million.
•    Net operating profit for the first quarter of 2025 stood at AZN 16.4 million.
•    The Bank maintained a stable liquidity position, with a liquidity ratio of 83.1%—2.8 times higher than the minimum standard set by the Central Bank of Azerbaijan.