16:36 - 14.10.2026

---

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

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

According to the results as of the end of the third quarter of 2026, AccessBank recorded a net profit of AZN 45.2 million. The same figure stood at AZN 35.6 million in the corresponding period of the previous year.

In the third quarter of the current year, supported by sustained profitability in recent years and strengthening capital resilience, Bank paid dividends of AZN 40 million. Following the dividend payment, Bank’s aggregate capital buffer remained significantly above minimum regulatory requirements, amounting to AZN 239.4 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:

• Loan portfolio grew by 9.6%, or AZN 124.8 million, reaching a total of AZN 1, 421.6 million by the end of the reporting period.
• Business loans account for 75.5% of the total loan portfolio, with the business loan portfolio totaling AZN 1,074.0 million.
• Deposit portfolio grew by 4.5%, or AZN 46.9 million, to AZN 1,092.0 million as of the end of the reporting period.
• At the same time, during the current year, AccessBank attracted AZN 154.9 million in funding from reputable international creditors. This creates a solid foundation for ensuring access to finance for both individuals and businesses.
• Bank’s assets reaches AZN 1.9 billion, which is 16.3% higher compared to the same period of the last year.
• Interest income increased by 15.5% compared to the corresponding period of the previous year, reaching AZN 216.1 million. Net interest income increased by AZN 16.2 million, totaling AZN 130.4 million.
• In addition, non-interest income amounted to AZN 12.7 million during the reporting period.
• As a result, net operating profit reached AZN 63.6 million by the end of the 2026 reporting period.
• Bank’s liquidity position remains strong, with a liquidity ratio of 98.8%, which is 3.3 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.