Financial and economical results of Atabank in 2014 were successful. So in dynamics of assets for last year growth by 54.8% or by 205.4 mlnmanats was observed. If in the beginning of the year the assets were 374.9 mlnmanats, to the end of the year they increased to 580.3 mlnmanats.
There was observed growth also in a credit portfolio which is major making part of assets. Growth was 91.4% or by 221 mlnmanats. So if in the beginning of the year credit portfolio was 241.7 mlnmanats, then in the end of the year this value increased to 462.7 mlnmanats. In 2014 there was observed important growth in overall deposit portfolio of the Bank. Thus growing by 60.3% or by 192.3 mlnmanats this indicator became 511 mln. manats. We have to notice that in the beginning of the year this value was 318.7 mlnmanats. The term deposit portfolio of the bank raised from 244.1 mlnmanats by 80.8% or 197.3 mlnmanats to 441.4 mlnmanats.
By the end of the year return on assets (ROA) and return on the capital (ROE) made respectively 2.18 and 23.48%. In the end of the 2014 number of ATMs and POS terminals of the Bank were accordingly 78 and 18 567. Net profit of the bank by the results of the year made 7.6 mlnmanats. 2014 was memorable for AtaBank with its financial results and new products and services. Presentation of AtaNet online banking service was one of the main parts of success. The unique feature of the AtaNet is being the first internet banking product integrated with ASAN signature. AtaNet is a modern banking system which allows to perform all transactions provided for in conventional banking. In that year AtaBank offered all e-services to its customers free of charge. In 2014 AtaBank reviewed its tariffs policy and offered more profitable terms. AtaBank achieved great success in this area and attracted large customer base. Campaign supporting state politics of stimulating non-cash payments, “Pay non-cash, get cash” will continue this year also as in previous year. For the convenience of the customers the Bank increased its service network and opened few branches and sub-branches in regions. Also as a support of international cycling tournament organized by the Cycling Federation of Azerbaijan Tour d’Azerbaijan, AtaBank OJSC’s mobile ATM AtaMatik accompanied the participants during the event.AtaBank made possible using of AtaMatik in different regions of the country, in objects of tourism and places of a congestion of people. Within the program of corporate social responsibility in 2014, the Bank organized festive actions during holidays of New Year, Novruz, Ramazan and Kurban for more than 350 schoolchildren. Earned success imposes to the Bank and its employees much more responsibility in 2015. Always following "A step ahead" principle AtaBank plans further improvement of the quality of its working system and the introduction of new products and services to meet the expectations of its customers more completely. Growth of financial indicators and continuing of institutional development are the integral parts of Bank’s development strategy for this year. Some of the main goals in 2015 are new services applying, improvement of professional skills of the employees, increasing the financial literacy of customers, upgrading international ratings of the Bank. The audit report of AtaBank for 2014 is provided by “PriceWaterhouseCoopers”.