尽管面临地缘政治紧张和贷款迅速增长等风险,但预计阿塞拜疆银行在2026年将保持强劲。 Azerbaijan’s banks are expected to stay strong in 2026 despite risks like geopolitical tensions and rapid lending growth.

S&P Global评级预期阿塞拜疆银行在2026年将保持弹性,并辅之以稳定的资产质量、强大的盈利能力和坚固的资本缓冲,以及由高零售贷款需求驱动的15%到20%的贷款增长。 S&P Global Ratings expects Azerbaijan’s banks to remain resilient in 2026, supported by stable asset quality, strong profitability, and solid capital buffers amid 15% to 20% lending growth driven by high retail loan demand. 区域经济实力、流动性和有利条件支撑着稳定,19%的机构前景乐观,81%的机构稳定。 Regional economic strength, liquidity, and favorable conditions underpin stability, with 19% of institutions having positive outlooks and 81% stable. 关键风险包括地缘政治紧张、零售贷款迅速扩张、数字化、AI、气候变化和网络攻击带来的新威胁,而监管透明度仍然有限。 Key risks include geopolitical tensions, rapid retail lending expansion, and emerging threats from digitalization, AI, climate change, and cyberattacks, while regulatory transparency remains limited.