AccessBank is a leading universal bank in Azerbaijan focused on micro and SME lending. Some key points: - As of 9M 2014, AccessBank had total assets of $1.2 billion, loan portfolio of $989 million, and net profit of $40.4 million. - It has the highest credit rating among Azerbaijani banks and is recognized as the best bank in Azerbaijan by Euromoney and other publications. - AccessBank maintains a leading position in micro and SME lending in Azerbaijan and focuses on regional expansion and mortgage lending.

1. Investor Presentation Q3 2014

2. 2
Azerbaijan: Key Facts
General Economy Currency
Population: 9.2 m Currency:
Azerbaijani Manat (AZN)
GDP: USD 74 bn
GDP per Capita (PPP):
USD 13,486
GDP growth: 5.8 %
Inflation: 2.4%
1 USD = AZN 0.7844
stable since 2011
Area: 86,600 km2
Largest Cities:
Baku, Ganja, Sumgayit,
Mingachevir, Lenkaran
Sources: Central Bank of the Republic of Azerbaijan, Data as of January 31, 2014; The Economist Intelligence Unit, Azerbaijan
Country Report ,2013
Ratings
Moody’s: Baa3 / Stable Fitch: BBB-/ Stable S&P: BBB- / Stable

3. 3
0
20000
40000
60000
80000
2005 2006 2007 2008 2009 2010 2011 2012 2013
non-oil oil sector
0
20000
40000
60000
2005 2006 2007 2008 2009 2010 2011 2012 2013
0
5000
10000
15000
20000
25000
2005 2006 2007 2008 2009 2010 2011 2012 2013
0
10000
20000
30000
40000
2008 2009 2010 2011 2012 2013 2014*
Sources: Central Bank of the Republic of Azerbaijan, Data as of Jan 31, 2014; The Economist Intelligence Unit, Azerbaijan Country
Report, 2013; State Oil Fund of the Republic of Azerbaijan
*forecast 2014
USD m GDP USD m Foreign Trade Surplus
USD m Currency Reserves USD m State Oil Fund – Total Assets
Azerbaijan: Key Facts

4. 4
AccessBank at a Glance
Universal Commercial Bank with Focus on Micro and SME Lending
Among Top 5 Banks in Azerbaijan; leader in micro and
small business lending
Strong shareholder structure with triple A rated IFI’s owning
majority stake
Highest international credit rating of local commercial banks:
‘BB+ outlook stable’ by
Market leader in portfolio quality

5. 5
International Finance Corporation (20%)
European Bank for Reconstruction and
Development (20%)
Kreditanstalt fuer Wiederaufbau (20%)
Black Sea Trade and Development Bank (20% )
Access Microfinance Holding AG (16.53%)
LFS Financial Systems GmbH (3.47%)
Shareholder Structure
AAA
AAA
AAA
A-
Credit Rating
IDR (S&P)

6. 6
International Awards
“In 2013, the SME and microfinance specialist again easily outperformed its rivals,
posting an industry-best net profit of $34.7 million – up 72% on 2012 – and an equally
unbeatable return on equity of 28.8%. Growth was also stellar, with total assets
increasing by 53.3% to pass the $1 billion mark. … The Bank has continued to pursue
alternative funding sources, issuing its first local currency AZN-denominated bond in
December and raising $60 million in the largest-ever syndicated loan from an Azerbaijani
private-sector financial institution in March”.
(Euromoney, Volume 45, 07/2014)
Euromoney quote on AccessBank’s award “Best Bank in Azerbaijan 2014”
“Bank of the Year”
The Banker
“Best Bank in Azerbaijan”
Euromoney Awards for Excellence
“Best Emerging Market
Bank Azerbaijan”
Global Finance

7. Total Equity Net Profit
USD
40m
CAR* RoE CIR NPL**
0.32%
Total Assets LoanPortfolio
USD
1bn
USD
1.2bn
USD
186m
25% 32.7% 57.6%
7
Financial Highlights 9m 2014
IFRS Management accounts as of September 30, 2014
* According to Basel Capital Accord 1988
** Portfolio at Risk >30 days

8. 8
Financial Highlights
IFRS Management accounts including 2012 and 2013 audited results
* According to Basel Capital Accord 1988
** Portfolio at Risk > 30 days
9m 2014 2013 2012
Total Assets $1.2bn $1.0bn $656m
Total Loan Portfolio $989m $800m $525m
Total Equity $186m $146m $121m
Net Profit $40.4m $34.6m $20.2m
CAR* 25% 22.8% 28.2%
RoE 32.7% 28.8% 18.6%
CIR 57.6% 64.8% 72.4%
NPL** 0.32% 0.36% 0.63%

9. 9
Strong Portfolio Growth
Development of Loan Portfolio 2012-2014
USD mNumber of Loans
2012 2013 2014
0
200
400
600
800
1 000
1 200
0
20 000
40 000
60 000
80 000
100 000
120 000
140 000
160 000
180 000
200 000
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3

10. 10
Focus on Micro and SME Lending
Loan Portfolio by Segment
Amount
USD m
Clients
Micro Portfolio 448 126,124
SME Portfolio 401 2,544
Retail Portfolio 90 29,916
Mortgage Loan Portfolio 34 954
46%
42%
9%
3%
Micro Loans SME Loans
Retail Loans Mortgage Loans
Data based on management accounts as of September 30, 2014

11. USD m
11
Continuous Dynamic Growth
0
200
400
600
800
1000
1200
1400
2005 2006 2007 2008 2009 2010 2011 2012 2013 9m 2014
Total Assets Loan Portfolio

12. *Ranking by Capitalization
Source: Fineko Ranking, Data as of June 2014, Exchange Rate USD/AZN: 0.7843
12
Top Banks in Azerbaijan*
Total Assets
(USD m)
Loan Portfolio
(USD m)
Total Equity
(USD m)
1 Azerbaijan International Bank (IBA) 10.250 7.040 1.261
2 Pasha Bank 1.267 466 434
3 Kapital Bank 1.616 1.103 305
4 Xalq Bank 1.525 1.245 230
5 AccessBank 1.182 928 171
6 Expressbank 332 239 165
7 UniBank 997 827 165
8 Bank of Baku 877 773 148
9 DemirBank 521 415 80
10 Bank Technique 741 560 78
11 Bank Respublika 638 378 78
12 Muganbank 469 329 69
13 AGBank 611 478 65
14 Bank of Azerbaijan 506 464 61

13. 13
Extensive Countrywide Branch Network
14 Branches
in Baku
28 Regional
Branches
Branches: 42 Employees: 2111

14. 14
Market leader in Micro lending
Maintaining leading position in SME lending
Focus on Agro lending
Expanding Mortgage lending
Strategy
Focus on Regions

15. 15
Strong Profitability
USD m Net Interest MarginPre-Tax Profit
Net ProfitUSD m
RoE
24,3%
18,6%
28,8%
32,7%
0%
10%
20%
30%
40%
50%
2011 2012 2013 9m 2014
22
20
35
40
0
10
20
30
40
50
60
2011 2012 2013 9m 2014
20,68% 20,30%
18,17%
17,40%
0%
10%
20%
30%
2011 2012 2013 9m 2014
22
26
44
52
0
10
20
30
40
50
60
2011 2012 2013 9m 2014

16. 16
Market Leader in Portfolio Quality
Sector average NPL ratios in Azerbaijan: Micro-loans ̴5%; SME-loans ̴10%
0,00%
1,00%
2,00%
3,00%
4,00%
5,00%
I
2011
III V VII IX XI I
2012
III V VII IX XI I
2013
III V VII IX XI I
2014
III V VII IX
Micro SME Total PaR
PaR > 30 days ratio

17. 17
Strong Shareholder Support
16
42
66
94
109
129
146
186
0
20
40
60
80
100
120
140
160
180
200
2007 2008 2009 2010 2011 2012 2013 9m 2014
Continued reinvestments of
profits into Bank equity
Organic growth of the Bank’s
equity solely based on
reinvested profits
Shareholders current long-
term funding to the Bank is
about USD 215m
Development of Total Equity
USD m

18. 18
Foreign Currency Lending – Risk Mitigants
Central Bank pursues policy of stable exchange rate of local AZN vs USD (crawling peg)
High foreign trade surplus triggers steadily increasing currency reserves
High currency reserves represent strong buffer against potential turbulences on
currency market and protect AZN from devaluation in the short to medium term
Bank provides USD denominated loans mostly to SME’s – high average DSCR of
around 3x in SME lending represents a strong risk mitigant in case of devaluation
Low level of foreign investment in Azerbaijan protects from volatilities on
international capital markets
About half of AccessBank’s loans are denominated in USD

19. 19
Funding Profile
USD m
Customer Deposit Development
USD 92m
(9%)
USD 301m
(30%)
USD 380m
(39%)
USD 217m
(22%)
Retail Current Accounts
Customer Deposits
Borrowings from Commercial Lenders
Borrowings from IFI/DFIs
Diversified Funding Structure*
* Data as of H1 2014
0
100
200
300
400
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
Current Accounts Savings Deposits Term Deposits
2012 2013 2014

20. 20
Conservative Refinancing of Loans
Loans with maturities > 1 yr are refinanced according to their tenors
Current and savings accounts are displayed as short-term liquidity
Liquidity buffer above USD 100m
Currency profile of loan book is matched by funding in respective currencies
+69
-12
-35
+69
+2
+9
0
0
100
200
300
400
< 1 month 1-3 months 3-6 months 6 m-1 yr 1-3 yr 3-5 yr > 5 yr
Loans Refinancing
USD m
Loan portfolio USD 959m in 08/2014
(expected to exceed USD 1bn at EoY)

21. 21
Financial Statements
Balance Sheet in USD thousands
30 September 2014 31 December 2013
non-audited audited
Assets
Cash and cash equivalents 154 006 141 161
Loans to customers 979 206 786 732
Property and equipment 53 712 57 954
Intangible assets 23 293 17 120
Other assets 8 216 3 494
Total assets 1 218 433 1 006 461
Liabilities
Amounts due to credit institutions 9 012 34 653
Amounts due to customers 408 728 332 901
Debt securities issued 25 422 12 764
Borrowed funds from international lenders 551 880 443 901
Current income tax liabilities 6 460 5 768
Other liabilities 10 560 20 693
Subordinated loan 20 458 10 294
Total liabilities 1 032 520 860 974
Equity
Share capital 108 363 108 349
Retained earnings 77 550 37 138
Total equity 185 913 145 487
Total equity and liabilities 1 218 433 1 006 461

22. 22
Financial Statements
Income and Capital Statement in USD thousands
30 September 2014 31 December 2013
non-audited audited
Interest income 157 823 163 090
Interest expense (47 727) (43 810)
Net interest income 110 096 119 280
Allowance for loan impairment 1 710 (4 948)
Net interest income after allowance for loan impairment 111 806 114 332
Non-interest income 10 078 11 248
Non-interest expense (70 250) (81 757)
Profit before income tax expense 51 634 43 823
Income tax expense (11 227) (9 123)
Profit for the period 40 407 34 700
Tier 1 Capital 185 913 145 488
Tier 2 Capital 20 268 10 620
Total Capital 206 181 156 108
Risk Weighted Assets 825 430 684 862
Tier 1 capital ratio 22,5% 21,2%
Total capital ratio 25,0% 22,8%
Capital ratios according to Basel Capital Accord 1988

23. 23
Contact
Farida Pirverdiyeva TEL: + 99 412 490 80 10
International Partner Relations Manager EMAIL: farida.pirverdiyeva@accessbank.az
Dr. Rolf Reichardt TEL: + 99 412 490 80 10
Executive Director Finance/Treasury EMAIL: rolf.reichardt@accessbank.az