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Access Bank OJSC (Mərkəzi ofis) (Baku)

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  • AccessBank is one of the largest banks in Azerbaijan. Founded in 2002, it supports small and medium-sized businesses (SMEs) and also serves private clients. The bank has over 30 branches and more than 500,000 customers. It offers a mobile app, online banking, and modern financial tools.

    History: 

    2002 – Opened in Baku as “Azerbaijan Micro-Finance Bank (AMMB)”.
    2008 – Renamed to AccessBank.
    Since then, it has focused on both business and individual clients.
    Today – over 30 branches and 500K+ clients across the country.

    Team: 

    David Tsiklauri – CEO.
    Thomas Engelhardt – Chairman of the Supervisory Board.
    The executive team includes CFO, COO, CRO, CIO, CTO, and heads of retail, corporate, and SME banking.

  • Cards – with cashback and easy control.

    Deposits – up to 12% annual interest.

    Loans – cash, secured, salary-based.

    Business banking – products for micro, small, and medium businesses.

    Digital services – mobile app myAccess, online banking

  • Net profit in Q3 2024 grew by 41% — AZN 41.5M.
    Received $10M from EBRD to support SMEs.
    Won 3 banking awards in 2024.
    Opened a new branch in Balaken, renovated one in Jalilabad.
    Launched Qızıl Şans lottery with gold prizes

  • Financial tools for micro and small business

    Mobile and online banking services.

    Programs with EBRD to boost entrepreneurship.

    Financial education across regions.

    New branches in rural areas.

    Support for women entrepreneurs.

    Green finance and environmental projects

  • Programs supporting women entrepreneurs (Access2Success projects).
    Financial literacy training for people in different regions.
    Environmental initiatives and sustainable development.
    Partnerships with international organizations to support SMEs and important social projects.
    Charity and community aid.

  • More SME lending with EBRD and other partners.

    Green project financing — AZN 8.5M from Global Climate Fund.

    Expand branch network and digital features.

  • Net profit: AZN 54.1M.

    Loan portfolio: AZN 1.15B.

    Total assets: AZN 1.6B.

    Capital: AZN 185M.

    Strong growth in SME and business lending.

    Received AZN 17M from Enabling Capital, issued AZN 5M in bonds (10% return).

  • Licensed by the Central Bank of Azerbaijan since 2002

  • Job openings are listed on the official website — for specialists, tellers, and interns.

  • Net profit: AZN 54.1 million (up by AZN 14.3 million compared to 2023).
    Assets: AZN 1.6 billion (increased by AZN 202 million year-on-year).
    Loan portfolio: AZN 1,186.2 million (up 14.6% compared to last year).
    Business loans: AZN 924.2 million (77.9% of total loans).
    Deposit portfolio: AZN 1,060.2 million.
    Funds attracted from international financial institutions: AZN 15.5 million.
    Subordinated loan: 8 million USD.
    Total capital: AZN 203.8 million (4.1 times above regulatory minimum).
    Interest income: AZN 59.0 million.
    Net interest income: AZN 36.2 million.
    Non-interest income: AZN 3.6 million.
    Net operating profit: AZN 16.4 million.
    Liquidity ratio: 83.1% (2.8 times higher than minimum set by Central Bank of Azerbaijan).

  • One of the largest commercial banks in Azerbaijan, focused on small and medium business.
    Actively adopts digital tech — mobile and internet banking.
    Supports environmental and social initiatives, including gender equality.
    Has strong international ties and funding from top institutions.
    Regularly receives high ratings for reliability and service quality.

  • https://www.accessbank.az/ru/private/news/

    https://www.accessbank.az/en/business/news/1120406

    https://www.accessbank.az/en/business/news/1291923

    https://www.accessbank.az/en/investors/news/2030335

    https://www.accessbank.az/en/business/news/602706

    https://www.accessbank.az/ru/business/news/1617942

    https://www.accessbank.az/ru/private/news/1921687

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Access Bank OJSC, headquartered in Baku, Azerbaijan, is a leading financial institution dedicated to providing top-notch banking services to individuals, small businesses, and corporate clients. Renowned for its customer-centric approach, Access Bank offers a diverse range of financial solutions, including retail banking, business loans, and digital banking services, tailored to meet the needs of its clientele. With a commitment to financial innovation and community development, Access Bank OJSC continues to set standards in financial excellence and reliability, making it a preferred choice for banking in Azerbaijan.