Disclosures
Everything we must disclose as a credit organisation, on one page: who we are, who owns us, our figures and where to turn if you are unhappy.
Company details
- Full name
- Dayaq Kredit NBCO LLC
- Legal form
- Non-bank credit organisation, limited liability company
- Tax ID (VÖEN)
- 1702846391
- Licence
- Central Bank, No. 087, 2 April 2009
- Supervisor
- Central Bank of the Republic of Azerbaijan
- Charter capital
- ₼6,000,000
- Registered address
- 89 Ataturk Avenue, Narimanov district, Baku
- Founded
- 2009
Owners
| Shareholder | Share |
|---|---|
| Rauf Samadov | 58% |
| Tahir Mammadli | 27% |
| Employee share fund (41 staff) | 15% |
Supervisory Board
- Tahir MammadliChair of the Supervisory Board
- Leyla AlizadeIndependent member, Chair of the Audit Committee
- Rauf SamadovMember
Management Board
- Rauf SamadovChair of the Management Board, founder
- Narmin GasimovaDeputy Chair, risk
- Elchin HuseynliHead of Lending
Key figures
At the end of each year, from the audited accounts.
| Figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Loan portfolio, ₼ mln | 44.2 | 52.6 | 61.8 |
| Loans made during the year, ₼ mln | 61.0 | 72.9 | 84.3 |
| Active borrowers | 12,300 | 13,600 | 14,900 |
| Share of loans more than 30 days late | 3.4% | 3.1% | 2.9% |
| Equity, ₼ mln | 11.9 | 13.8 | 15.6 |
Reports
- Financial statements and auditor’s report for 2025PDF, 2.4 MB
- Financial report for Q2 2026PDF, 0.8 MB
- Financial report for Q1 2026PDF, 0.8 MB
- Financial statements and auditor’s report for 2024PDF, 2.2 MB
- Main points of the lending policyPDF, 0.4 MB
How we handle complaints
Tell us about anything you are unhappy with: a rate, a penalty, how an employee behaved, a mistake in your credit history.
Contact us
Write in the complaints book at a branch, call the call centre, e-mail shikayet@dayaq.az, or choose “Complaint” in the form on the contact page.
An answer within 15 working days
We log the complaint and give you its number. A written answer follows within 15 working days at the latest; if a check is needed, we tell you in advance when it will end.
Turn to the Central Bank
If our answer does not satisfy you, you can turn to the Central Bank: its consumer hotline 966 and cbar.az. The Central Bank handles appeals under its rules of 23 December 2025.
Blocking remote loans
From 1 October 2026 anyone can apply in writing at any of our branches to block consumer loans and higher credit limits arranged in their name at a distance. We enter the block in the credit bureau’s system the same day. To lift it, you come to a branch in person or apply with an enhanced electronic signature.
More about the blockYour credit history
We report your loans to the Azerbaijan Credit Bureau and the Central Bank’s Central Credit Registry. You can see your history free twice a year on the Findoc portal.
About Findoc