Baku, September 30, 2025
In today’s banking system of Azerbaijan, loans are a mutually beneficial resource: for banks, a source of revenue; for citizens, a way to meet financial needs. Yet public perception has shifted in recent years.
Some argue that banks prefer customers who delay payments and end up paying more in interest, rather than those who repay on time. Cases are cited where responsible clients, despite paying in full and on schedule, see their credit limits reduced or receive no new offers.
Does this mean responsibility doesn’t always pay off?
Speaking to Bizim.Media, lawyer Ramil Suleymanov dismissed the claim. He emphasized that banks’ core goal is to issue loans, recover them, and profit from the process.
“A customer who pays on time is a risk-free, safe source of income for the bank. With such clients, banks face no lawsuits, enforcement actions, debt write-offs, or losses,” he explained.
According to Suleymanov, the idea that banks prefer problem borrowers is unfounded:
“Banks have no interest in lending to late payers. What matters to them is a steady flow of repayments that strengthens their portfolio. If bad loans pile up, the risk is not higher profit – it’s bankruptcy.”
