Bank of Baku has been adhering to a number of fundamental lines of its activity since its creation in 1994. The Bank supports retail business, medium and small entrepreneurship, big corporate business and strives for raising the customer service quality. Retail sector is the main niche of operations of Bank of Baku. Growth rates of the consumer loans in the country serve as a stimulus for the development of the bank. The motto of the bank – "Banking Services Close to You" – conveys the entire philosophy of the bank – we strive to be as close to customers and to their daily needs as possible. Bank of Baku is a pioneer in introduction of many banking products and services on the local market, as well as in application of the most up to date overseas banking experience. In 2011 Bank of Baku launched the first, in Azerbaijan, credit card project - Bolkart and oriented upon huge number of ordinary consumers. 145 Customer Care Line accepts requests from customer in real time and informs about the latest products and services offered by the bank.