How does Yelo Bank make money? – AMOUNTS | Modern.az

“Yelo Bank”, one of the most active members of Azerbaijan's banking sector, increased its revenues by 9.6% in 2025 compared to the previous year, reaching 200 million 736 thousand manats.

Modern.az reports that in 2025, the main part of the bank's revenues consisted of interest income from its loan portfolio, with the bank earning 168 million 932 thousand manats from this source, which constitutes 84% of total revenues. These revenues increased by 25.6% compared to 2024.

“Yelo Bank”'s second largest source of income is commission fees – last year, the bank earned 11 million 648 thousand manats from commission fees, which represents a 32.6% decrease compared to 2024. Commission fees account for 6% of “Yelo Bank”'s total revenues.

The bank's next source of income is deposits placed with other banks – last year, revenues from this source amounted to 9 million 675 thousand manats, covering 5% of total revenues and decreasing by 37% in one year.

“Yelo Bank”'s revenues from foreign exchange operations amounted to 7 million 509 thousand manats, representing 4% of total revenues, showing a 40% decrease in one year.

“Yelo Bank”'s revenues from investments in securities increased by 83% to 500 thousand manats, while revenues from loans to other banks increased by approximately 19% to 1 million 302 thousand manats. Inflows from these income sources accounted for 1% of all revenues.

The bank's other interest income decreased by 24.7% to 10 thousand manats in the last year, while other non-interest income decreased by 30.5% to 1 million 170 thousand manats within one year. The share of these revenues in total revenues is 1%.

During 2024-2025, the amount of “Yelo Bank”'s revenues, its share in total revenues, and the annual dynamics of revenue amounts were as follows: (Fed.az)