{"id":13930,"date":"2023-07-25T10:00:00","date_gmt":"2023-07-25T07:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=13930"},"modified":"2023-07-25T11:23:54","modified_gmt":"2023-07-25T08:23:54","slug":"unibank-birinci-yarimili-yuks%c9%99k-n%c9%99tic%c9%99l%c9%99rl%c9%99-basa-vurub","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=13930","title":{"rendered":"Unibank birinci yar\u0131mili y\u00fcks\u0259k n\u0259tic\u0259l\u0259rl\u0259 ba\u015fa vurub"},"content":{"rendered":"\n

Unibank birinci yar\u0131mili y\u00fcks\u0259k n\u0259tic\u0259l\u0259rl\u0259 ba\u015fa vurub<\/strong><\/p>\n\n\n\n

\u201cUnibank\u201d KB ASC 2023-c\u00fc ilin ikinci r\u00fcb\u00fc \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. \u00d6t\u0259ni ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bank\u0131n xalis m\u0259nf\u0259\u0259ti k\u0259skin art\u0131b, aktivl\u0259rin h\u0259cmi milyard yar\u0131m\u0131 ke\u00e7ib, kredit portfeli \u00fczr\u0259 rekord g\u00f6st\u0259rici \u0259ld\u0259 olunub. 30 iyun 2023-c\u00fc il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 20\u00a0<\/strong>milyon artaraq 28 milyon manat\u0131 ke\u00e7ib. C\u0259mi g\u0259lirl\u0259r \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 49 % artaraq, 148 milyon manat olub. Bank\u0131n xalis m\u0259nf\u0259\u0259ti 2022-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 12 d\u0259f\u0259art\u0131b.Bununla da Unibank bu ilin birinci yar\u0131s\u0131n\u0131 9.2milyon manat\u00a0xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurub.<\/p>\n\n\n

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Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov <\/strong>2023-c\u00fc ilin birinci yar\u0131s\u0131n\u0131 bank \u00fc\u00e7\u00fcn u\u011furlu v\u0259 inki\u015fafl\u0131 d\u00f6vrl\u0259rd\u0259n hesab edir: \u201c\u0130lk yar\u0131m il \u0259rzind\u0259 \u0259ld\u0259 etdiyimiz n\u0259tic\u0259l\u0259r, bank\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131n\u0131n davam etdiyini v\u0259 bazar m\u00f6vqeyinin u\u011furla m\u00f6hk\u0259ml\u0259ndiyini g\u00f6st\u0259rir.\u00a0Bank\u0131n s\u00fcr\u0259tli art\u0131m\u0131 il\u0259 b\u0259rab\u0259r kapital m\u00f6vqeyinin m\u00f6hk\u0259ml\u0259nm\u0259si,\u00a0xalis m\u0259nf\u0259\u0259tin h\u0259cmind\u0259ki ciddi art\u0131m, real sektora d\u0259st\u0259yin daha da \u00e7oxalmas\u0131, m\u00fc\u015ft\u0259ri \u0259m\u0131liyyatlar\u0131n\u0131n \u0259sas\u0131n\u0131n t\u0259dric\u0259n r\u0259q\u0259msal m\u00fcst\u0259viy\u0259 ke\u00e7idi, bank\u0131n stabil v\u0259 davaml\u0131 inki\u015faf\u0131n\u0131n g\u00f6st\u0259ricisidir. Biz \u00e7ox \u015fad\u0131q ki, son ill\u0259rd\u0259 h\u0259yata ke\u00e7irdiyimiz b\u00f6y\u00fck b\u00fcdc\u0259li s\u0259rmay\u0259 layih\u0259l\u0259ri, o c\u00fcml\u0259d\u0259n Leobank layih\u0259siart\u0131q \u00f6z b\u0259hr\u0259sini verm\u0259y\u0259 ba\u015flay\u0131b. Bu xo\u015f n\u0259tic\u0259l\u0259r 2023-c\u00fc il \u00fc\u00e7\u00fcn qar\u015f\u0131ya qoydu\u011fumuz h\u0259d\u0259fl\u0259r\u0259 nail olmaqda v\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn daha yax\u015f\u0131 layih\u0259l\u0259r icra etm\u0259kd\u0259 \u0259minlik yarad\u0131r\u201d.<\/em><\/p>\n\n\n\n

Bank\u0131n kredit portfeli rekord h\u0259dd\u0259 \u00e7ataraq ilk d\u0259f\u0259 milyard\u0131 \u00f6t\u00fcb v\u0259 1 milyard 5 milyon manata \u00e7at\u0131b. <\/strong>Bu h\u0259m d\u02592022-ci ilin ilk yar\u0131s\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 21% art\u0131m dem\u0259kdir.<\/p>\n\n\n\n

Portfelin strukturunda biznes kreditl\u0259rinin pay\u0131 art\u0131b. Biznes kredit portfeli \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 17 %artaraq 311 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 41 % <\/strong>artaraq, 155 <\/strong>milyon manata \u00e7at\u0131b. Mikrokredit m\u0259hsullar\u0131n\u0131n \u00f6lk\u0259 \u00fczr\u0259 mikro sahibkarlara rahat \u0259l\u00e7atanl\u0131\u011f\u0131,  skorinq sistemi il\u0259 saniy\u0259l\u0259r \u0259rzind\u0259 s\u00fcr\u0259tli kreditin verilm\u0259si v\u0259 dig\u0259r \u00fcst\u00fcnl\u00fckl\u0259r Unibank\u0131 se\u00e7\u0259n mikro m\u00fc\u015ft\u0259ril\u0259rinin say\u0131n\u0131n artmas\u0131na imkan yarad\u0131b. \u00d6t\u0259ni ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 mikro m\u00fc\u015ft\u0259ril\u0259rin say\u0131nda 21 % art\u0131m olub.  2022-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bank\u0131 se\u00e7\u0259n biznes sahibl\u0259rinin say\u0131 is\u0259 \u00fcmumilikd\u0259 32 % art\u0131b. Geni\u015f m\u00fc\u015ft\u0259ri  bazas\u0131na \u00e7\u0131xmaqla, biznes kredit portfelinin diversifikasiyas\u0131 da t\u0259min olunub.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fcnd\u0259 Bank\u0131n m\u0259cmu kapital\u0131 \u00f6t\u0259n ilin 2-ci r\u00fcb\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 27 % artaraq, 140milyon manat olub. Y\u00fcks\u0259k 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, 12,6 % t\u0259\u015fkil edib. Bu d\u00f6vrd\u0259 bank\u0131n aktivl\u0259ri d\u0259 artaraq, 1 milyard 560 milyonmanat\u0131 \u00f6t\u00fcb. <\/p>\n\n\n\n

\u018fman\u0259tl\u0259rin h\u0259cmi is\u0259 114 milyonmanat artaraq, 614 milyon manata \u00e7at\u0131b. 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 70 %-lik  art\u0131m qeyd\u0259 al\u0131n\u0131b.  <\/p>\n\n\n\n

2022-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin 1-ci yar\u0131milind\u0259 Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 2.6d\u0259f\u0259 artaraq, 4milyard manata \u00e7at\u0131b. M\u00fc\u015ft\u0259ril\u0259rin Unibank kartlar\u0131na y\u00fcks\u0259k mara\u011f\u0131, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 kart sahibl\u0259rinin say\u0131nda 30 %-i \u00f6t\u0259n art\u0131mla n\u0259tic\u0259l\u0259nib.<\/p>\n\n\n\n

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. 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.  <\/em><\/p>\n\n\n\n

Unibank-S\u0259nin Bank\u0131n!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Unibank birinci yar\u0131mili y\u00fcks\u0259k n\u0259tic\u0259l\u0259rl\u0259 ba\u015fa vurub \u201cUnibank\u201d KB ASC 2023-c\u00fc ilin ikinci r\u00fcb\u00fc \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. \u00d6t\u0259ni ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bank\u0131n xalis m\u0259nf\u0259\u0259ti k\u0259skin art\u0131b, aktivl\u0259rin h\u0259cmi milyard yar\u0131m\u0131 ke\u00e7ib,…<\/p>\n","protected":false},"author":2,"featured_media":11832,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/13930"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=13930"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/13930\/revisions"}],"predecessor-version":[{"id":13931,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/13930\/revisions\/13931"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/11832"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=13930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=13930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=13930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}