About Us

AccessNetwork KPIs at end Q3/2017
Total assets
EUR 877m
Gross loan portfolio
EUR 688m
No. of active borrowers
Total deposits
EUR 347m
No. of deposit accounts
No. of staff
No. of branches



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Management Board


Since its foundation in August 2006, AccessHolding is managed by LFS Financial Systems (LFS) on the basis of a Management Service Contract. LFS has seconded its senior staff members to manage AccessHolding. The Management Board of AccessHolding is currently composed of two members:

Thomas Engelhardt (Chairman)

Mr Engelhardt is one of the three partners in LFS Financial Systems, and has been with the company since its foundation. He has more than 15 years of experience in microfinance, including as the first General Manager of AccessBank Azerbaijan (2002 – 2006) and in senior management positions in MSME finance projects in Uzbekistan and Bosnia & Herzegovina. He currently serves as Chairman of the Supervisory Board of AccessBank Tajikistan and as memeber of the Supervisory Boards of AccessBank Azerbaijan and MFO CREDO, Georgia.   Mr Engelhardt holds an M.Sc in Economics, and speaks German, English, Russian and Serbo-Croat.

Christoph Diehl

Mr Diehl joined LFS in 2000 and was responsible for LFS projects in Africa. With the foundation of AccessHolding in 2006, he was seconded to the Management Board of the Holding. In this capacity, he serves as the Chairman of the Supervisory Board of AccessBank Tanzania, AB Bank Zambia and AB Bank Rwanda; he is also a member of the Audit Committee of AccessBank Azerbaijan. Mr Diehl has over 15 years of experience in senior management and team leader positions in MSME and housing finance institution building projects in various countries. He served as General Manager of a former LFS-managed Microfinance Bank in Mozambique and prior to joining LFS had worked as an auditor in the overseas department of C&L Deutsche Revision. Mr Diehl holds M.Sc. in Economics.

Within the governance structure of AccessHolding, the Management Board is responsible for the day-to-day operations (including the formulation of investment proposals) and supports the Supervisory Board in its control and decision making functions. With the successive development of globally standardised policies, products and systems (solutions) across the Access Network, the Management of AccessHolding is also responsible to ensure that member banks are operating in consistency with these standards, so as for the Group to reap network synergies and facilitate the exchange of personnel and other resources between banks.