{"id":1304,"date":"2023-10-12T21:33:45","date_gmt":"2023-10-12T21:33:45","guid":{"rendered":"https:\/\/millinews.az\/xeber\/unibank-22-000-000-manat-xalis-m%C9%99nf%C9%99%C9%99t-%C9%99ld%C9%99-edib\/"},"modified":"2023-10-12T21:33:45","modified_gmt":"2023-10-12T21:33:45","slug":"unibank-22-000-000-manat-xalis-m%C9%99nf%C9%99%C9%99t-%C9%99ld%C9%99-edib","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=1304","title":{"rendered":"\u200bUnibank 22.000.000 manat xalis m\u0259nf\u0259\u0259t \u0259ld\u0259 edib"},"content":{"rendered":"<div id=\"maincontent\">&#13;<br \/>\n        &#13;<\/p>\n<p><strong><span style=\"background-color: initial;\">\u201cUnibank\u201d KB ASC 2023-c\u00fc ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn yekununda c\u0259mi g\u0259lirl\u0259rini rekord  h\u0259dd\u0259 \u00e7atd\u0131r\u0131b. Bank\u0131n c\u0259mi g\u0259lirl\u0259r \u00f6t\u0259ni ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 43 % artaraq, 233<\/span> <span style=\"background-color: initial;\">milyon manata \u00e7at\u0131b. <\/span>D\u00f6vr \u0259rzind\u0259 bank\u0131n x\u0259rcl\u0259rind\u0259 daha a\u015fa\u011f\u0131 \u2013 23 %-lik art\u0131m qeyd\u0259 al\u0131n\u0131b. Bunun n\u0259tic\u0259sind\u0259 is\u0259 30 sentyabr tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 3 d\u0259f\u0259 artaraq, 49 milyon manata \u00e7at\u0131b. <span style=\"background-color: initial;\">\u00dcmumi g\u0259lirlilik s\u0259viyy\u0259sinin artmas\u0131, \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn sonuna \u0259ld\u0259 edil\u0259n xalis m\u0259nf\u0259\u0259tin k\u0259skin art\u0131m\u0131na imkan yarad\u0131b. Unibank bu ilin ilk 9 ay\u0131n\u0131 22<\/span> <span style=\"background-color: initial;\">milyon manat xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurub.<\/span><br \/><\/strong>    <\/p>\n<p>Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fc bank \u00fc\u00e7\u00fcn m\u0259hsuldar d\u00f6vr hesab edir: \u201c\u0130lin \u0259vv\u0259lind\u0259n qeyd\u0259 al\u0131nan sabit v\u0259 davaml\u0131 inki\u015faf,  bu r\u00fcb\u00fcn n\u0259tic\u0259l\u0259rind\u0259 d\u0259 \u00f6z\u00fcn\u00fc g\u00f6st\u0259rib. Bank\u0131n bazar m\u00f6vqeyini qoruyub saxlamaq v\u0259 daha da inki\u015faf\u0131 fonunda xalis m\u0259nf\u0259\u0259tin ciddi art\u0131m\u0131, kapital m\u00f6vqeyinin m\u00f6hk\u0259ml\u0259ndirilm\u0259si, biznesin maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 v\u0259 depozit portfelinin h\u0259cmind\u0259 qeyd\u0259 al\u0131nan n\u0259z\u0259r\u0259\u00e7arpan art\u0131m, ilin ilk 9 ay\u0131n\u0131n bizim \u00fc\u00e7\u00fcn m\u00fcsb\u0259t tendensiyada davam etdiyinin g\u00f6st\u0259ricisidir. Ba\u015fa vurdu\u011fumuz r\u00fcb \u0259rzind\u0259 \u201cUnibank\u201d\u0131n bazar \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r c\u0259lbedici g\u0259lirli manat istiqrazlar\u0131n\u0131n u\u011furla yerl\u0259\u015fdirilm\u0259si d\u0259 \u0259h\u0259miyy\u0259tli hadis\u0259l\u0259rd\u0259n biri oldu. Bu m\u00fcsb\u0259t yekunlar, 2023-c\u00fc ilin Bank \u00fc\u00e7\u00fcn u\u011furlu layih\u0259l\u0259rin icras\u0131 il\u0259 yadda qalaca\u011f\u0131na v\u0259 planla\u015fd\u0131r\u0131lan n\u0259tic\u0259l\u0259rin \u0259ld\u0259 olunaca\u011f\u0131na \u0259minliyi art\u0131r\u0131r\u201d. &#13;\n  <\/p>\n<p>D\u00f6vr \u0259rzind\u0259 Bank\u0131n kapital m\u00f6vqeyi sabit, inki\u015fafl\u0131 qalmaqda davam edib. Hesabat d\u00f6vr\u00fcnd\u0259 Bank\u0131n m\u0259cmu kapital\u0131 \u00f6t\u0259n ilin 3-c\u00fc r\u00fcb\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 25 % artaraq, 152<strong> <\/strong>milyon manat olub. Bu ciddi art\u0131m kapital adekvatl\u0131l\u0131\u011f\u0131n\u0131n y\u00fcks\u0259lm\u0259si fonunda ba\u015f verib. Bel\u0259 ki, \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bank\u0131n kapital adekvatl\u0131l\u0131q \u0259msal\u0131 artaraq, 12.69<strong> <\/strong>% t\u0259\u015fkil edib. Bu d\u00f6vrd\u0259 bank\u0131n aktivl\u0259ri d\u0259 artaraq, 1 milyard 528<strong> <\/strong> milyon<strong> <\/strong>manata \u00e7at\u0131b.      <\/p>\n<p>Bank\u0131n art\u0131q milyard manat\u0131 \u00f6t\u0259n kredit portfeli \u00fc\u00e7\u00fcnc\u00fc r\u00fcb \u0259rzind\u0259 bir q\u0259d\u0259r d\u0259 artaraq,<strong> <\/strong>1 milyard 47<strong> <\/strong>milyon manata \u00e7at\u0131b<strong>. <\/strong>Bu h\u0259m d\u0259<strong> <\/strong>2022-ci ilin ilk 9 ay\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 19<strong> <\/strong>% art\u0131m dem\u0259kdir. Portfelin strukturunda biznes kreditl\u0259rinin pay\u0131 bir q\u0259d\u0259r d\u0259 \u00e7oxal\u0131b. Biznes kredit portfeli \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 16<strong> <\/strong>%<strong> <\/strong>artaraq 323<strong> <\/strong>milyon manata yax\u0131n olub. Ayr\u0131ca mikro kreditl\u0259r portfeli d\u0259 ciddi art\u0131b. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 mikrokredit portfeli 35 %<strong> <\/strong>artaraq, 163<strong> <\/strong>milyon manat\u0131 \u00f6t\u00fcb. Mikrokredit m\u0259hsullar\u0131n\u0131n \u00f6lk\u0259 \u00fczr\u0259 mikro sahibkarlara rahat \u0259l\u00e7atanl\u0131\u011f\u0131,  s\u00fcr\u0259tli kreditin verilm\u0259si v\u0259 dig\u0259r \u00fcst\u00fcnl\u00fckl\u0259r \u201cUnibank\u201d\u0131 se\u00e7\u0259n mikro m\u00fc\u015ft\u0259ril\u0259rinin say\u0131n\u0131n artmas\u0131na t\u0259kan verib.  Bu d\u00f6vrd\u0259 bank\u0131 se\u00e7\u0259n biznes sahibl\u0259rinin say\u0131 \u00fcmumilikd\u0259 28<strong> <\/strong>% art\u0131b.  Aktiv Mikro, KOS v\u0259 \u0130ri m\u00fc\u015ft\u0259ril\u0259rin say\u0131ndak\u0131 art\u0131m is\u0259 \u00f6t\u0259n ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn sonu il\u0259 m\u00fcqayis\u0259d\u0259  36% t\u0259\u015fkil edib. Biznes m\u00fc\u015ft\u0259ril\u0259rinin \u201cUnibank\u201d\u0131 se\u00e7m\u0259sinin \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri d\u0259 bankda \u0259ks\u0259r m\u0259hsul v\u0259 xidm\u0259tl\u0259rin r\u0259q\u0259msal olaraq t\u0259qdim olunmas\u0131d\u0131r. Haz\u0131rda b\u00fct\u00fcn biznes kreditl\u0259rinin ayr\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 q\u0259rarlar\u0131n 60%-i avtomatla\u015fd\u0131r\u0131lm\u0131\u015f sistem vasit\u0259si il\u0259 verilir.    <\/p>\n<p>Bank\u0131n \u00fcmumi depozit portfeli d\u0259 1 milyardl\u0131q rekord h\u0259dd \u00fczr\u0259 artmaqda davam edir. \u0130lk 9 ay\u0131n n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, depozit portfeli \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 31 %<strong> <\/strong>artaraq, 1 milyard 124<strong> <\/strong> milyon manat\u0131 \u00f6t\u00fcb. T\u0259kc\u0259 t\u0259l\u0259bli depozitl\u0259rin m\u0259bl\u0259\u011find\u0259 art\u0131m is\u0259 39,7 %-i ke\u00e7ib.    <\/p>\n<p>2022-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin 9 ay\u0131 \u0259rzind\u0259 Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 2 d\u0259f\u0259 artaraq, 6 milyard  manat\u0131 \u00f6t\u00fcb.   <\/p>\n<p>Cari hesab qal\u0131qlar\u0131ndak\u0131 v\u0259saitin h\u0259cmind\u0259 is\u0259 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 40 %-lik  art\u0131m qeyd\u0259 al\u0131n\u0131b. Aktiv kart m\u00fc\u015ft\u0259ril\u0259rinin qeyd\u0259 al\u0131nan art\u0131m faizi is\u0259 35 %-i ke\u00e7ib. Son d\u00f6vrl\u0259rd\u0259 Bank\u0131n m\u0259hsul v\u0259 xidm\u0259tl\u0259rind\u0259n r\u0259q\u0259msal kanallar vasit\u0259sil\u0259 istifad\u0259 ed\u0259n m\u00fc\u015ft\u0259ri say\u0131nda da ciddi art\u0131m var. Haz\u0131rda bank\u0131n r\u0259q\u0259msal kanallar\u0131ndan istifad\u0259 ed\u0259n m\u00fc\u015ft\u0259ril\u0259rin say\u0131 1 000 000 n\u0259f\u0259ri \u00f6t\u00fcb.     <\/p>\n<p> <i>Unibank KB ASC 1992-ci ild\u0259n f\u0259aliyy\u0259t g\u00f6st\u0259rir. Bank\u0131n paytaxtda v\u0259 regionlarda UTM v\u0259 filiallardan ibar\u0259t geni\u015f xidm\u0259t \u015f\u0259b\u0259k\u0259si m\u00f6vcuddur. Eyni zamada bank xidm\u0259tl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 art\u0131maq \u00fc\u00e7\u00fcn 2022-ci ild\u0259 Leobank layih\u0259sini bazara t\u0259qdim etmi\u015fdir. 31 ild\u0259 u\u011furlu kommersiya f\u0259aliyy\u0259ti v\u0259 sosial layih\u0259l\u0259rd\u0259 i\u015ftirak\u0131na g\u00f6r\u0259 beyn\u0259lxalq v\u0259 yerli t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n \u00e7oxsayl\u0131 m\u00fckafatlara layiq g\u00f6r\u00fcl\u00fcb.  <\/i>    <\/p>\n<p>Unibank-S\u0259nin Bank\u0131n!&#13;<br \/>\n        &#13;<br \/>\n&#13;<br \/>\n        &#13;<br \/>\n&#13;\n        <\/p>\n<p><noscript><\/p>\n<p>You must enable Javascript on your browser for the site to work optimally and display sections completely.<\/p>\n<p><\/noscript>\t\t&#13;<br \/>\n\t\t&#13;\n    <\/div>\n<p><script type=\"text\/javascript\">jQuery(document).ready(function () {\n(function(d, s, id) {\n    var js, fjs = d.getElementsByTagName(s)[0];\n    if (d.getElementById(id))\n        return;\n    js = d.createElement(s);\n    js.id = id;\n    js.src = \"\/\/connect.facebook.net\/az_AZ\/all.js#xfbml=1&appId=1002485763137712\";\n    fjs.parentNode.insertBefore(js, fjs);\n}(document, 'script', 'facebook-jssdk'));                \n$('.fancybox').fancybox();\n});<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#13; &#13; \u201cUnibank\u201d KB ASC 2023-c\u00fc ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn yekununda c\u0259mi g\u0259lirl\u0259rini rekord h\u0259dd\u0259 \u00e7atd\u0131r\u0131b. Bank\u0131n c\u0259mi g\u0259lirl\u0259r \u00f6t\u0259ni ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 43 % artaraq, 233 milyon manata \u00e7at\u0131b. D\u00f6vr \u0259rzind\u0259 bank\u0131n x\u0259rcl\u0259rind\u0259 daha a\u015fa\u011f\u0131 \u2013 23 %-lik art\u0131m qeyd\u0259 al\u0131n\u0131b. Bunun n\u0259tic\u0259sind\u0259 is\u0259 30 sentyabr tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u00f6t\u0259n ilin uy\u011fun &hellip;<\/p>\n","protected":false},"author":1,"featured_media":1305,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeber"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/1304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1304"}],"version-history":[{"count":0,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/1304\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/1305"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}