BAKU, Azerbaijan, October 13. The ratio of
household debt to disposable income in Azerbaijan increased by 0.3
percentage points in the first half of 2026 compared with the end
of last year, reaching 18.7%.
This was stated in the Financial Stability Report published by
the Central Bank of Azerbaijan (CBA).
The report noted that while household disposable income
increased during the period, the share of debt in that income also
rose. The Central Bank continues to monitor household debt
trends.
During the reporting period, the share of restructured loans in
the total loan portfolio declined. In the first half of 2026, the
volume of restructured loans increased by 3.3%, or 32 million manat
($18.8 million), reaching 990 million manat ($582.3 million)
The increase was mainly driven by consumer loans, with the
volume of restructured consumer loans rising by 41 million manat
($24.1 million). In contrast, restructured mortgage loans decreased
by 13 million manat ($7.6 million). There was no significant change
in the restructured business loan portfolio.
As a result, the share of restructured loans in the total loan
portfolio fell by 0.1 percentage points compared with the end of
2025, reaching 3.1%.
