{"id":6447,"date":"2023-10-30T07:49:59","date_gmt":"2023-10-30T07:49:59","guid":{"rendered":"https:\/\/millinews.az\/xeber\/unibankin-biznes-kredit-portfeli-artib-2\/"},"modified":"2023-10-30T07:49:59","modified_gmt":"2023-10-30T07:49:59","slug":"unibankin-biznes-kredit-portfeli-artib-2","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=6447","title":{"rendered":"Unibank\u0131n biznes kredit portfeli art\u0131b"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/Millinews.az\/storage\/2023\/10\/30\/1698648629_unibank-bina-2-1.jpg\" alt=\"\" title=\"\"><\/p>\n<div id=\"mvp-content-main\">\n<p><strong>Bu ilin 9 ay\u0131 \u0259rzind\u0259 \u201cUnibank\u201d\u0131n biznes kredit portfelind\u0259 ciddi art\u0131m qeyd\u0259 al\u0131n\u0131b. \u0130lin ilk doqquz ay\u0131 \u0259rzind\u0259 Unibank biznes kreditl\u0259\u015fm\u0259sini xeyli art\u0131raraq, \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n maliyy\u0259 v\u0259saiti il\u0259 t\u0259minat\u0131nda aktiv i\u015ftirak\u0131n\u0131 davam etdirib. Bank\u0131n biznes kredit portfeli \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 16 % artaraq 323 milyon manata yax\u0131n olub. Bu d\u00f6vrd\u0259 bank\u0131 se\u00e7\u0259n biznes sahibl\u0259rinin say\u0131 \u00fcmumilikd\u0259 28 % 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\u0259sil\u0259 verilir.<\/strong><\/p>\n<p>Biznes \u00fczr\u0259 dig\u0259r g\u00f6st\u0259ricil\u0259rd\u0259 d\u0259 x\u00fcsusi art\u0131mlar var. Bel\u0259 ki, h\u00fcquqi \u015f\u0259xs v\u0259 f\u0259rdi sahibkarlar\u0131n hesabla\u015fma kassa \u0259m\u0259liyyatlar\u0131 \u00fczr\u0259 16.4 % art\u0131m qeyd\u0259 al\u0131n\u0131b. Sahibkar say\u0131 27.6  %-i \u00f6t\u00fcb. H\u00fcquqi \u015f\u0259xs v\u0259 f\u0259rdi sahibkar olan aktiv m\u00fc\u015ft\u0259ri say\u0131 \u00fczr\u0259 art\u0131m 18.8  % olub. 2022-c\u00fc ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fc il\u0259 m\u00fcqayis\u0259d\u0259, bu ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcnd\u0259 korporativ m\u00fc\u015ft\u0259ril\u0259r \u00fczr\u0259 hesablarda qal\u0131q v\u0259 depozitl\u0259r \u00fczr\u0259 art\u0131m 56.4  %-\u0259 \u00e7at\u0131b.<\/p>\n<p>\u00dcmumilikd\u0259 is\u0259 korporativ m\u00fc\u015ft\u0259ril\u0259r \u00fczr\u0259 kredit sat\u0131\u015f\u0131nda art\u0131m 29.58  %-d\u0259n \u00e7ox olub. H\u00fcquqi \u015f\u0259xs v\u0259 f\u0259rdi sahibkarlar \u00fczr\u0259 i\u015fl\u0259k kredit portfelinin art\u0131m\u0131 is\u0259 29.13 %-\u0259 \u00e7at\u0131b.<\/p>\n<p>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 %  artaraq, 163 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.  <\/p>\n<p>\u201cUnibank\u201d\u0131n ki\u00e7ik v\u0259 mikro sahibkarlar \u00fc\u00e7\u00fcn istifad\u0259y\u0259 verdiyi avtomatla\u015fd\u0131r\u0131lm\u0131\u015f kredit sistemi sahibkarlar\u0131n i\u015fini xeyli asanla\u015fd\u0131rd\u0131\u011f\u0131ndan, \u00fc\u00e7\u00fcnc\u00fc r\u00fcb \u0259rzind\u0259 ayr\u0131lan mikrokreditl\u0259rin b\u00f6y\u00fck hiss\u0259si  avtomatla\u015fd\u0131r\u0131lm\u0131\u015f formada h\u0259yata ke\u00e7irilib. Veril\u0259n kreditl\u0259rin 99%-i plan\u015fet \u00fcsulu il\u0259 r\u0259smil\u0259\u015fdirilib. Plan\u015fetl\u0259rd\u0259 t\u0259tbiq olunan skorinq sistemi sahibkarlar\u0131n kredit almas\u0131n\u0131 d\u0259f\u0259l\u0259rl\u0259 asanla\u015fd\u0131r\u0131b. Scorinqin vasit\u0259sil\u0259 bank \u0259m\u0259kda\u015f\u0131 r\u0259q\u0259ml\u0259ri plan\u015fet\u0259 \u0259lav\u0259 etm\u0259kl\u0259, m\u00fc\u015ft\u0259rini avtomatik analiz ed\u0259r\u0259k ona ayr\u0131lacaq kreditin m\u0259bl\u0259\u011fini v\u0259 \u015f\u0259rtl\u0259rini an\u0131nda t\u0259yin ed\u0259 bilir. <\/p>\n<p>Bank\u0131n kredit m\u0259hsullar\u0131 il\u0259 yana\u015f\u0131 depozit \u015f\u0259rtl\u0259rinin s\u0259rf\u0259li olmas\u0131 v\u0259 sahibkarlar\u0131n banka y\u00fcks\u0259k etibarl\u0131l\u0131\u011f\u0131, h\u00fcquqi \u015f\u0259xsl\u0259rin depozit qoyulu\u015fu il\u0259 ba\u011fl\u0131 m\u00fcraci\u0259tl\u0259rinin d\u0259 artmas\u0131na t\u0259kan verib. 9 ay \u0259rzind\u0259 h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259ri 27,4 milyon manata yax\u0131n, yaxud 12,5 % artaraq 245 milyon 726 min manata \u00e7at\u0131b.<\/p>\n<p>Unibank- S\u0259nin Bank\u0131n!<\/p>\n<\/p><\/div>\n<p><script>\n        (function (d, s, id) {\n            var js, fjs = d.getElementsByTagName(s)[0];\n            if (d.getElementById(id)) return;\n            js = d.createElement(s);\n            js.id = id;\n            js.src = \"\/\/connect.facebook.net\/az_AZ\/sdk.js#xfbml=1&version=v2.7&appId=\";\n            fjs.parentNode.insertBefore(js, fjs);\n        }(document, 'script', 'facebook-jssdk'));\n    <\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bu ilin 9 ay\u0131 \u0259rzind\u0259 \u201cUnibank\u201d\u0131n biznes kredit portfelind\u0259 ciddi art\u0131m qeyd\u0259 al\u0131n\u0131b. \u0130lin ilk doqquz ay\u0131 \u0259rzind\u0259 Unibank biznes kreditl\u0259\u015fm\u0259sini xeyli art\u0131raraq, \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n maliyy\u0259 v\u0259saiti il\u0259 t\u0259minat\u0131nda aktiv i\u015ftirak\u0131n\u0131 davam etdirib. Bank\u0131n biznes kredit portfeli \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 16 % artaraq 323 milyon manata yax\u0131n olub. Bu d\u00f6vrd\u0259 bank\u0131 se\u00e7\u0259n &hellip;<\/p>\n","protected":false},"author":1,"featured_media":6448,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-6447","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\/6447","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=6447"}],"version-history":[{"count":0,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/6447\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/6448"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}