{"id":17996,"date":"2023-11-15T07:00:00","date_gmt":"2023-11-15T04:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=17996"},"modified":"2023-11-15T10:53:32","modified_gmt":"2023-11-15T07:53:32","slug":"abb-yeni-strateji-dovr%c9%99-daxil-olub","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=17996","title":{"rendered":"\u201cABB yeni strateji d\u00f6vr\u0259 daxil olub\u201d"},"content":{"rendered":"\n

\u201cABB yeni strateji d\u00f6vr\u0259 daxil olub\u201d<\/strong><\/p>\n\n\n\n

M\u00fcsahibimiz Bank\u0131n<\/a> \u0130dar\u0259 Hey\u0259tinin s\u0259dri Abbas \u0130brahimovdur<\/strong>.<\/p>\n\n\n

\n
\"\"<\/figure><\/div>\n\n\n
    \n
  • Abbas m\u00fc\u0259llim, ABB bu g\u00fcnl\u0259rd\u0259 dayan\u0131ql\u0131 inki\u015faf hesabat\u0131n\u0131 t\u0259qdim etdi. Hesabatdak\u0131 \u0259hat\u0259li m\u0259lumatlar ictimaiyy\u0259td\u0259 geni\u015f maraq do\u011furdu. Bel\u0259 hesabatlar\u0131n \u0259sas m\u0259qs\u0259di n\u0259dir?<\/strong><\/li>\n<\/ul>\n\n\n\n

    Bu c\u00fcr \u0259hat\u0259li m\u0259lumatlar\u0131 payla\u015fmaqla bizim \u0259sas m\u0259qs\u0259dimiz b\u00fct\u00fcn maraql\u0131 t\u0259r\u0259fl\u0259ri f\u0259aliyy\u0259timiz haqq\u0131nda \u0259trafl\u0131 m\u0259lumatland\u0131rmaq v\u0259 davaml\u0131l\u0131qla ba\u011fl\u0131 \u00f6hd\u0259likl\u0259rimiz\u0259 sadiqliyimizi g\u00f6st\u0259rm\u0259kdir.Hesabatda Bank\u0131m\u0131z\u0131n \u0259traf m\u00fchitin qorunmas\u0131, sosial m\u0259s\u0259l\u0259l\u0259r, m\u0259suliyy\u0259tli idar\u0259etm\u0259 (ESG) kimi dayan\u0131ql\u0131 inki\u015faf iqtiqam\u0259tl\u0259rind\u0259 \u0259sas f\u0259aliyy\u0259t g\u00f6st\u0259ricil\u0259ri t\u0259qdim olunub. Daha ayd\u0131n m\u0259nz\u0259r\u0259 yarans\u0131n dey\u0259, \u0259sas m\u0259lumatlar\u0131m\u0131z\u0131 \u00fc\u00e7 il \u00fczr\u0259, m\u00fcqayis\u0259li \u015f\u0259kild\u0259 t\u0259qdim etmi\u015fik. ABB qlobal standartlara uy\u011fun haz\u0131rlanm\u0131\u015f bel\u0259 bir  dayan\u0131ql\u0131 inki\u015faf hesabat\u0131 il\u0259 sektorda m\u00fcsb\u0259t n\u00fcmun\u0259 yaratma\u011f\u0131 h\u0259d\u0259fl\u0259yir.<\/p>\n\n\n\n

      \n
    • Hesabat hans\u0131 x\u00fcsusiyy\u0259tl\u0259ri il\u0259 f\u0259rql\u0259nir ?<\/strong><\/li>\n<\/ul>\n\n\n\n

      Bu hesabatdak\u0131 yana\u015fma, standartlar, m\u0259lumatlar\u0131n \u0259hat\u0259 dair\u0259si tamamil\u0259 yenidir. ABB-nin 2022-ci il \u00fczr\u0259 Dayan\u0131ql\u0131 \u0130nki\u015faf Hesabat\u0131 haz\u0131rlanark\u0259n Qlobal Hesabatl\u0131l\u0131q T\u0259\u015f\u0259bb\u00fcs\u00fcn\u00fcn (GRI) 2021 Standartlar\u0131n\u0131n t\u00f6vsiy\u0259l\u0259ri, el\u0259c\u0259 d\u0259 BMT-nin v\u0259 dig\u0259r beyn\u0259lxalq t\u0259\u015fkilatlar\u0131n dayan\u0131ql\u0131l\u0131q \u00fczr\u0259 t\u0259\u015f\u0259bb\u00fcsl\u0259ri \u0259sas g\u00f6t\u00fcr\u00fcl\u00fcb. Hesabatdak\u0131 qeyri-maliyy\u0259 m\u0259lumatlar\u0131n\u0131n tam d\u00fczg\u00fcnl\u00fcy\u00fc v\u0259 \u015f\u0259ffafl\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 beyn\u0259lxalq audit \u015firk\u0259ti EY m\u00fcst\u0259qil \u0259minlik b\u0259yannam\u0259si t\u0259qdim edib.<\/p>\n\n\n\n

        \n
      • ABB-nin f\u0259aliyy\u0259tinin x\u00fcsusil\u0259 son ill\u0259ri hans\u0131 tendensiyalarla xarakterikdir? <\/strong><\/li>\n<\/ul>\n\n\n\n

        ABB-nin son 7 illik tarixini biz \u015f\u0259rti olaraq \u00fc\u00e7 m\u0259rh\u0259l\u0259y\u0259 b\u00f6lm\u00fc\u015f\u00fck. \u0130ki m\u0259rh\u0259l\u0259 art\u0131q tamamlan\u0131b. \u00dc\u00e7\u00fcnc\u00fc m\u0259rh\u0259l\u0259 is\u0259 yenic\u0259 ba\u015flan\u0131b. Birinci d\u00f6vr 2016-2018-ci ill\u0259ri \u0259hat\u0259 edirdi. Bu, Bank\u0131m\u0131z\u0131n h\u0259yat\u0131nda sabitl\u0259\u015fm\u0259 m\u0259rh\u0259l\u0259siidi. Onda ABB d\u00f6vl\u0259timizin d\u0259st\u0259k verdiyi m\u00fcxt\u0259lif t\u0259dbirl\u0259rl\u0259 sa\u011flamla\u015fd\u0131rma prosesl\u0259rind\u0259n ke\u00e7di. Eyni zamanda, h\u0259rt\u0259r\u0259fli t\u0259hlill\u0259r \u0259sas\u0131nda Bank\u0131n g\u0259l\u0259c\u0259k inki\u015faf\u0131 il\u0259 ba\u011fl\u0131 \u00fcmumi bax\u0131\u015f formala\u015fd\u0131. Xarici m\u0259sl\u0259h\u0259t\u00e7il\u0259r d\u0259 c\u0259lb etm\u0259kl\u0259 inki\u015faf strategiyas\u0131 i\u015fl\u0259nib haz\u0131rland\u0131. 2019-2022-ci ill\u0259r ilk inki\u015faf strategiyam\u0131z\u0131n icras\u0131 d\u00f6vr\u00fc oldu. \u00d6t\u0259n \u00fc\u00e7 il inki\u015faf \u00fc\u00e7\u00fcn m\u00f6hk\u0259m t\u0259m\u0259ll\u0259rin formala\u015fd\u0131r\u0131lmas\u0131 m\u0259rh\u0259l\u0259si idi. 2023-c\u00fc ild\u0259n ba\u015flanan yeni d\u00f6vr is\u0259 mahiyy\u0259tc\u0259 inki\u015faf prosesl\u0259rinin s\u00fcr\u0259tl\u0259ndirilm\u0259si d\u00f6n\u0259midir. Biz art\u0131q yeni strateji d\u00f6vr\u0259 daxil olmu\u015fuq.<\/p>\n\n\n\n

          \n
        • ABB-nin \u00f6t\u0259n d\u00f6vrd\u0259ki u\u011furlar\u0131n\u0131 bir ne\u00e7\u0259 r\u0259q\u0259ml\u0259 nec\u0259 ifad\u0259 ed\u0259rdiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

          ABB-d\u0259 sa\u011flamla\u015fma d\u00f6vr\u00fcnd\u0259n sonra, y\u0259ni 2018-ci ild\u0259n etibar\u0259n \u0259ld\u0259 etdiyimiz u\u011furlar\u0131 ifad\u0259 ed\u0259c\u0259k r\u0259q\u0259ml\u0259r \u00e7oxdur. Bank\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131n\u0131 t\u0259min ed\u0259n kredit portfeli oktyabr ay\u0131n\u0131n sonuna 1,90 milyard manatdan 4,86 milyard manata, y\u0259ni 2,5 d\u0259f\u0259 art\u0131b. M\u00fc\u015ft\u0259ri say\u0131m\u0131z 1,4 milyondan 2,3 milyona y\u00fcks\u0259lib. \u0130\u015f\u00e7il\u0259rimizin orta ya\u015f\u0131 40 ya\u015fdan 35 ya\u015fa enib. 2023-c\u00fc ilin n\u0259tic\u0259l\u0259rini d\u0259 n\u0259z\u0259r\u0259 almaqla, 2018-2023-c\u00fc ill\u0259r \u0259rzind\u0259 ABB 2 milyard manat vergid\u0259n \u0259vv\u0259l m\u0259nf\u0259\u0259t \u0259ld\u0259 edib. M\u0259nf\u0259\u0259t vergisi, s\u0259hmdarlara \u00f6d\u0259nil\u0259n dividentl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla d\u00f6vl\u0259t b\u00fcdc\u0259sin\u0259 v\u0259 sosial y\u00f6n\u00fcml\u00fc layih\u0259l\u0259r\u0259 ABB 1.3 milyard manatdan \u00e7ox \u00f6d\u0259ni\u015fl\u0259r edib.<\/p>\n\n\n\n

            \n
          • Bu u\u011furlar hans\u0131 inki\u015faf layih\u0259l\u0259rinin n\u0259tic\u0259l\u0259ridir?<\/strong><\/li>\n<\/ul>\n\n\n\n

            \u00d6t\u0259n strateji d\u00f6vrd\u0259 biz ABB-nin f\u0259aliyy\u0259ti \u00fc\u00e7\u00fcn bir s\u0131ra m\u00fch\u00fcm layih\u0259l\u0259r yerin\u0259 yetirdik. P\u0259rak\u0259nd\u0259 v\u0259 korporativ istiqam\u0259tl\u0259r \u00fczr\u0259 r\u0259q\u0259msal kanallar qurduq. Biznes m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn yeni xidm\u0259t modeli yaratd\u0131q. M\u00f6vcud m\u00fc\u015ft\u0259ril\u0259rl\u0259 \u0259laq\u0259l\u0259ri g\u00fccl\u0259ndirdik. M\u0259hsuldarl\u0131\u011f\u0131 art\u0131rmaq v\u0259 m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tin\u0259 nail olmaq \u00fc\u00e7\u00fcn filiallar\u0131m\u0131z\u0131n transformasiyas\u0131na start verdik. \u018fsas texnologiyalara investisiya etdik, onlar\u0131 modernl\u0259\u015fdirdik. R\u0259q\u0259msal xidm\u0259t imkanlar\u0131n\u0131 geni\u015fl\u0259ndirdik, ABB r\u0259q\u0259msal laboratoriyas\u0131n\u0131 i\u015f\u0259 sald\u0131q.<\/p>\n\n\n\n

              \n
            • Texnologiyalara v\u0259 r\u0259q\u0259msal kanallara investisiyalar hans\u0131 m\u00fcsb\u0259t t\u0259sirl\u0259r yaratd\u0131?<\/strong><\/li>\n<\/ul>\n\n\n\n

              M\u00fcsb\u0259t t\u0259sirl\u0259r bundan ibar\u0259t oldu ki, m\u0259s\u0259l\u0259n, indi 2 milyona yax\u0131n r\u0259q\u0259msal m\u00fc\u015ft\u0259rimiz var. 700 000-\u0259 yax\u0131n aktiv r\u0259q\u0259msal m\u00fc\u015ft\u0259rimiz h\u0259r ay m\u00fcnt\u0259z\u0259m olaraq ABB mobile-da, \u0259n az\u0131, 1 \u0259m\u0259liyyat apar\u0131r. H\u0259r g\u00fcn yenil\u0259n\u0259n ABB mobile platformam\u0131zla m\u00fc\u015ft\u0259ril\u0259rimizin yaln\u0131z bank xidm\u0259tl\u0259ri ehtiyaclar\u0131n\u0131 yox, b\u00fct\u00fcn maliyy\u0259 xidm\u0259tl\u0259rin\u0259 olan ehtiyaclar\u0131n\u0131 qar\u015f\u0131lama\u011fa \u00e7al\u0131\u015f\u0131r\u0131q.<\/p>\n\n\n\n

              Bir m\u00fcdd\u0259t \u0259vv\u0259l t\u0259tbiq \u00fcz\u0259rind\u0259n investisiya imkanlar\u0131n\u0131 h\u0259r k\u0259s\u0259 \u0259l\u00e7atan etdik. H\u0259r bir ABB mobile istifad\u0259\u00e7isi t\u0259tbiqd\u0259 investisiya profili yaradaraq s\u0259hm v\u0259 dig\u0259r qiym\u0259tli ka\u011f\u0131zlar\u0131n alq\u0131-satq\u0131s\u0131 il\u0259 m\u0259\u015f\u011ful olub qazanc f\u00fcrs\u0259tl\u0259rind\u0259n faydalana bil\u0259r. Buna paralel bir \u00e7ox s\u0131\u011forta m\u0259hsullar\u0131ndan da ABB mobile vasit\u0259sil\u0259 faydalanmaq imkan\u0131 yaratd\u0131q. H\u0259min m\u0259hsullar\u0131 c\u0259mi bir ne\u00e7\u0259 toxunu\u015fla t\u0259tbiq \u00fcz\u0259rind\u0259n rahat \u015f\u0259kild\u0259 \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n

                \n
              • B\u0259s korporativ m\u00fc\u015ft\u0259ril\u0259riniz r\u0259q\u0259msal imkanlardan nec\u0259 faydalan\u0131r ?<\/strong><\/li>\n<\/ul>\n\n\n\n

                Biz korporativ m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn, tamamil\u0259 onlar\u0131n ist\u0259k v\u0259 ehtiyaclar\u0131na uy\u011fun yeni \u0130nternet Bank\u00e7\u0131l\u0131q platformas\u0131 yaratd\u0131q. Bu g\u00fcn d\u0259 h\u0259r yeni funksionall\u0131q yaradanda h\u0259mkarlar\u0131m\u0131z m\u00fc\u015ft\u0259ril\u0259rl\u0259 g\u00f6r\u00fc\u015f\u00fcb, onlar\u0131 dinl\u0259yir. \u00c7al\u0131\u015f\u0131r\u0131q ki, onlar \u00fc\u00e7\u00fcn yeni d\u0259y\u0259rl\u0259r yaradaq. Haz\u0131rda korporativ m\u00fc\u015ft\u0259ril\u0259rimiz \u0259m\u0259liyyatlar\u0131n 96%-d\u0259n \u00e7ox hiss\u0259sini m\u0259hz r\u0259q\u0259msal kanallarla apar\u0131rlar.<\/p>\n\n\n\n

                  \n
                • Bank brend kimliyini d\u0259 yenil\u0259di…<\/strong><\/li>\n<\/ul>\n\n\n\n

                  B\u0259li, 2021-ci ilin ortalar\u0131ndan f\u0259aliyy\u0259timizi ABB brendi alt\u0131nda davam etdirm\u0259kd\u0259yik. Filiallar\u0131m\u0131z\u0131n transformasiyas\u0131 layih\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 xidm\u0259t ofisl\u0259rimizin simas\u0131 Bank\u0131m\u0131z\u0131n yeni brend kimliyin\u0259 uy\u011funla\u015fd\u0131r\u0131l\u0131r. Son iki ild\u0259 13 filial\u0131m\u0131z\u0131 yenid\u0259n qurmu\u015fuq, m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 daha \u0259l\u00e7atan olmaqdan \u00f6tr\u00fc 3 yeni filial yaratm\u0131\u015f\u0131q. Filiallar\u0131m\u0131zda xidm\u0259t modell\u0259ri d\u0259 d\u0259yi\u015fib.<\/p>\n\n\n\n

                    \n
                  • Bu d\u00f6vrd\u0259 m\u0259hsul v\u0259 layih\u0259l\u0259rin idar\u0259 edilm\u0259sind\u0259 hans\u0131 yenilikl\u0259r etmisiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

                    Bilirsiniz, m\u00fcasir d\u00f6vrd\u0259 m\u00fc\u015ft\u0259ril\u0259rin s\u00fcr\u0259tl\u0259 d\u0259yi\u015f\u0259n davran\u0131\u015flar\u0131na, ehtiyaclar\u0131na uy\u011fun m\u0259hsul v\u0259 xidm\u0259tl\u0259r t\u0259qdim etm\u0259k \u00e7ox vacibdir. Bank bazar\u0131nda ciddi r\u0259qab\u0259t var, x\u00fcsus\u0259n \u00f6d\u0259ni\u015f v\u0259 k\u00f6\u00e7\u00fcrm\u0259l\u0259r biznesind\u0259 r\u0259qab\u0259t art\u0131q bank sektoru h\u00fcdudlar\u0131n\u0131 a\u015f\u0131b. Bazara yeni oyun\u00e7ular daxil olub. Bu c\u00fcr r\u0259qab\u0259tli m\u00fchitl\u0259rd\u0259 yaln\u0131z m\u00fc\u015ft\u0259ri m\u0259rk\u0259zli d\u00fc\u015f\u00fcn\u0259n, laz\u0131mi keyfiyy\u0259tli, m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn yeni d\u0259y\u0259r v\u0259 g\u00f6z ox\u015fayan t\u0259cr\u00fcb\u0259 yaradan m\u0259hsulu bazarda vaxt\u0131nda t\u0259qdim ed\u0259n oyun\u00e7ular m\u00fc\u015ft\u0259ril\u0259ri saxlaya bil\u0259c\u0259k. B\u00fct\u00fcn bunlar\u0131 d\u00fc\u015f\u00fcn\u0259r\u0259k, biz d\u0259 m\u00fcasir idar\u0259etm\u0259 metodu olan \u2013 Agile idar\u0259etm\u0259ni yax\u0131ndan \u00f6yr\u0259nib t\u0259tbiq etm\u0259y\u0259 ba\u015flad\u0131q. Qurdu\u011fumuz 11 Agile sah\u0259, 7 ekspertiza m\u0259rk\u0259zi il\u0259 b\u00fct\u00fcn m\u0259hsulyaratma f\u0259aliyy\u0259timizi bu komandalara h\u0259val\u0259 etmi\u015fik. Bu krossfunksional komandalar m\u00fc\u015ft\u0259ri ehtiyaclar\u0131n\u0131 daha yax\u015f\u0131 \u00f6yr\u0259nib, \u00e7evik \u015f\u0259kild\u0259 q\u0259rar ver\u0259r\u0259k bazara s\u00fcr\u0259tl\u0259 yeni m\u0259hsullar t\u0259qdim ed\u0259 bilir. Bir n\u00fcmun\u0259 deyim: son d\u00f6vrl\u0259r ABB mobile t\u0259tbiqinin App Store v\u0259 Google Play store platformalar\u0131nda yeni relizl\u0259rinin \u00e7\u0131xma s\u00fcr\u0259tin\u0259 baxsan\u0131z, Agile komandalar\u0131n f\u0259aliyy\u0259timiz\u0259 n\u0259 q\u0259d\u0259r b\u00f6y\u00fck fayda g\u0259tirdiyinin \u015fahidi olars\u0131n\u0131z.<\/p>\n\n\n\n

                    \u00dcmum\u0259n, Agile t\u0259cr\u00fcb\u0259nin \u00f6lk\u0259mizd\u0259 getdikc\u0259 yay\u0131lmas\u0131, onun \u00fcst\u00fcnl\u00fckl\u0259rinin d\u00fczg\u00fcn d\u0259y\u0259rl\u0259ndirilm\u0259si m\u00fcsb\u0259t hald\u0131r. Getdikc\u0259 \u00f6lk\u0259mizd\u0259 bu sah\u0259nin pe\u015f\u0259kar m\u00fct\u0259x\u0259ssisl\u0259rinin say\u0131 art\u0131r v\u0259 onlar\u0131n bir qismi ABB-nin Agile komandalar\u0131nda yeti\u015fir. Bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l Bank\u0131m\u0131z\u0131n \u0259sas t\u0259r\u0259fda\u015fl\u0131\u011f\u0131 il\u0259 \u201cAgile Az\u0259rbaycan \u2013 2023\u201d Beyn\u0259lxalq Sammiti ke\u00e7irildi. Bu sammitd\u0259 Agile-\u0131 t\u0259tbiq ed\u0259n dig\u0259r b\u00f6y\u00fck t\u0259r\u0259fda\u015flar\u0131m\u0131zla birg\u0259 biz d\u0259 son 2 ild\u0259 bu sah\u0259d\u0259 qazand\u0131\u011f\u0131m\u0131z t\u0259cr\u00fcb\u0259ni i\u015ftirak\u00e7\u0131larla b\u00f6l\u00fc\u015fd\u00fck. M\u0259mnunuq ki, biz Agile metodologiyas\u0131n\u0131 t\u0259kc\u0259 t\u0259tbiq etmirik, eyni zamanda bu yeni idar\u0259\u00e7ilik m\u0259d\u0259niyy\u0259tinin \u00f6lk\u0259mizin biznes m\u00fchitind\u0259 yay\u0131lmas\u0131na f\u0259al \u015f\u0259kild\u0259 d\u0259st\u0259k veririk.<\/p>\n\n\n\n

                      \n
                    • R\u0259qab\u0259tli m\u00fchitd\u0259 m\u00fc\u015ft\u0259ril\u0259rin loyall\u0131\u011f\u0131n\u0131 qoruyub saxlama\u011f\u0131n \u0259h\u0259miyy\u0259tli oldu\u011funu bildirdiniz v\u0259 yeni m\u0259hsullar\u0131n \u00f6n\u0259mini qeyd etdiniz. B\u0259s m\u00fc\u015ft\u0259ri loyall\u0131\u011f\u0131 \u00fc\u00e7\u00fcn ba\u015fqa hans\u0131 al\u0259tl\u0259rd\u0259n istifad\u0259 edirsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

                      Bu, daim \u00fcz\u0259rind\u0259 d\u00fc\u015f\u00fcnd\u00fcy\u00fcm\u00fcz m\u0259s\u0259l\u0259dir. Bu g\u00fcn, r\u0259q\u0259msal platformalar m\u00fc\u015ft\u0259ril\u0259rl\u0259 t\u0259maslar qurmaq v\u0259 onlara yeni d\u0259y\u0259rl\u0259r \u00f6t\u00fcrm\u0259k \u00fc\u00e7\u00fcn ideal kanal v\u0259 m\u0259kand\u0131r. D\u00fc\u015f\u00fcn\u00fcn, ill\u0259r \u00f6nc\u0259 m\u00fc\u015ft\u0259ri loyall\u0131\u011f\u0131n\u0131 art\u0131rmaq \u00fc\u00e7\u00fcn h\u0259diyy\u0259 kuponlar\u0131, endirim kartlar\u0131, m\u00fcxt\u0259lif bonus proqramlar\u0131 var idi. Sonradan h\u0259yat\u0131m\u0131za \u00f6d\u0259ni\u015f kartlar\u0131 vasit\u0259sil\u0259 ke\u015fbekl\u0259r g\u0259ldi. M\u00fcasir d\u00fcnyada smartfonlar g\u00fcnd\u0259lik h\u0259yat\u0131m\u0131z\u0131n t\u0259rkib hiss\u0259sidir. \u0130nnovativ \u015firk\u0259tl\u0259r \u00f6z m\u00fc\u015ft\u0259ril\u0259rin\u0259 r\u0259q\u0259msal platformalar \u00fcz\u0259rind\u0259n data \u0259sasl\u0131, f\u0259rdil\u0259\u015fmi\u015f loyall\u0131q proqramlar\u0131 t\u0259qdim edir. Biz d\u0259 ABB-d\u0259 bunu etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r\u0131q. M\u0259s\u0259l\u0259n, biz g\u00f6rd\u00fck ki, m\u00fc\u015ft\u0259ril\u0259rimiz t\u0259kc\u0259 bizim ke\u015fbekli TamKart m\u0259hsulumuzla yox, \u00f6z maa\u015f kartlar\u0131 il\u0259 d\u0259 na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259r edirl\u0259r. D\u00fc\u015f\u00fcnd\u00fck ki, h\u0259min m\u00fc\u015ft\u0259ril\u0259rl\u0259 r\u0259q\u0259msal kanal\u0131m\u0131z vasit\u0259sil\u0259 t\u0259mas qurub, he\u00e7 bir yeni fiziki kart t\u0259qdim etm\u0259d\u0259n, m\u0259hz onun se\u00e7diyi kateqoriyalara uy\u011fun d\u0259y\u0259rl\u0259r \u00f6t\u00fcr\u0259k. Bel\u0259c\u0259, haz\u0131rda bir ne\u00e7\u0259 ayd\u0131r m\u00fc\u015ft\u0259ril\u0259r t\u0259r\u0259find\u0259n r\u0259\u011fb\u0259t g\u00f6r\u0259n \u201cFaydal\u0131 ke\u015fbek\u201d layih\u0259miz ortaya \u00e7\u0131xd\u0131. R\u0259q\u0259msal platformada, c\u0259mi bir ne\u00e7\u0259 toxunu\u015fla ABB-nin ist\u0259nil\u0259n kart\u0131n\u0131 ke\u015fbek kart\u0131na \u00e7evirm\u0259k imkan\u0131 verdik. B\u00fct\u00fcn bunlar, h\u0259l\u0259 ba\u015flan\u011f\u0131cd\u0131r. Yax\u0131n aylarda bu layih\u0259mizi yeni m\u0259rh\u0259l\u0259y\u0259 da\u015f\u0131yaca\u011f\u0131q. ABB-nin m\u0259hsul v\u0259 xidm\u0259tl\u0259rind\u0259n daha \u00e7ox istifad\u0259 ed\u0259n, kartlar\u0131m\u0131zla daha \u00e7ox d\u00f6vriyy\u0259 ed\u0259n m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 daha b\u00f6y\u00fck d\u0259y\u0259rl\u0259r \u00f6t\u00fcr\u0259c\u0259yik, onlara f\u0259rdil\u0259\u015fmi\u015f t\u0259klifl\u0259rimiz olacaq.<\/p>\n\n\n\n

                        \n
                      • Yeni seqmentl\u0259r nec\u0259? Yeni strateji d\u00f6vrd\u0259 yeni seqmentl\u0259r\u0259 daxil olmaq h\u0259d\u0259fl\u0259ri varm\u0131?<\/strong><\/li>\n<\/ul>\n\n\n\n

                        Biz \u00f6z\u00fcm\u00fcz\u00fc \u00f6lk\u0259nin \u0259n b\u00f6y\u00fck universal bank\u0131 kimi m\u00f6vqel\u0259ndiririk. Y\u0259ni ABB bu g\u00fcn b\u00fct\u00fcn m\u00fc\u015ft\u0259ri seqmentl\u0259rin\u0259 xidm\u0259t edir. T\u0259hlill\u0259rimiz, bazar ara\u015fd\u0131rmalar\u0131m\u0131z onu g\u00f6st\u0259rir ki, son d\u00f6n\u0259md\u0259 \u00f6lk\u0259mizd\u0259 biznesl\u0259rin \u015f\u0259ffafla\u015fma meyll\u0259ri, r\u0259q\u0259msalla\u015fma tendensiyas\u0131 ki\u00e7ik biznesl\u0259rin yeni ehtiyaclar\u0131n\u0131 ortaya \u00e7\u0131xarmaqdad\u0131r. Onlar \u00fc\u00e7\u00fcn r\u0259q\u0259msal kanallar \u00fcz\u0259rind\u0259n yeni xidm\u0259t modelinin yarad\u0131lmas\u0131na q\u0259rar vermi\u015fik.<\/p>\n\n\n\n

                          \n
                        • Bu, ki\u00e7ik sahibkarlara n\u0259 imkanlar yaradacaq?<\/strong><\/li>\n<\/ul>\n\n\n\n

                          N\u0259z\u0259rd\u0259 tutdu\u011fumuz model sad\u0259 v\u0259 g\u00f6z ox\u015fayan m\u00fc\u015ft\u0259ri t\u0259cr\u00fcb\u0259si il\u0259 ki\u00e7ik biznesl\u0259rin g\u00fcnd\u0259lik bank \u0259m\u0259liyyatlar\u0131n\u0131, \u0259vv\u0259ld\u0259n sona r\u0259q\u0259msal kreditl\u0259\u015fm\u0259l\u0259rini, m\u00fcxt\u0259lif \u00f6d\u0259ni\u015f al\u0259tl\u0259rini v\u0259 h\u0259tta h\u0259yatlar\u0131n\u0131 asanla\u015fd\u0131racaq \u201cBeyond banking\u201d h\u0259ll\u0259rini d\u0259 \u0259hat\u0259 ed\u0259c\u0259k. Getdikc\u0259 \u015f\u0259ffafla\u015fan ki\u00e7ik biznesl\u0259r\u0259 yeni d\u0259y\u0259rl\u0259r yaradaraq r\u0259q\u0259msal platformam\u0131za g\u0259tirm\u0259k ist\u0259yirik. Bu yenilik \u00f6lk\u0259mizd\u0259 sahibkarl\u0131\u011f\u0131n inki\u015faf\u0131na k\u00f6m\u0259k g\u00f6st\u0259r\u0259c\u0259k. Ki\u00e7ik biznesl\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 resurslar\u0131n\u0131 daha \u0259l\u00e7atan ed\u0259c\u0259k.<\/p>\n\n\n\n

                            \n
                          • Qlobal bank\u00e7\u0131l\u0131q sah\u0259sind\u0259ki yeni trendl\u0259rd\u0259n olan A\u00e7\u0131q bank\u00e7\u0131l\u0131q (Open banking) t\u0259\u015f\u0259bb\u00fcsl\u0259ri v\u0259 yeni texnoloji h\u0259ll\u0259r sizin \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r aktuald\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n

                            Biz \u00f6lk\u0259nin \u0259n b\u00f6y\u00fck bank\u0131 kimi m\u00fcasir bank\u00e7\u0131l\u0131qdak\u0131 b\u00fct\u00fcn meyll\u0259ri yax\u0131ndan izl\u0259yirik, ehtiyaclar\u0131m\u0131za v\u0259 biznes strategiyam\u0131za uy\u011fun h\u0259ll\u0259rin t\u0259tbiqind\u0259 ilkl\u0259rd\u0259n olma\u011f\u0131 h\u0259d\u0259fl\u0259yirik. \u00d6lk\u0259mizd\u0259 yeni \u00f6d\u0259ni\u015f xidm\u0259tl\u0259ri v\u0259 \u00f6d\u0259ni\u015f sisteml\u0259ri haqq\u0131nda qanunun v\u0259 dig\u0259r yeni normalar\u0131n d\u0259st\u0259kl\u0259diyi A\u00e7\u0131q bank\u00e7\u0131l\u0131q t\u0259\u015f\u0259bb\u00fcsl\u0259rini biz yeni imkanlar perspektivind\u0259n d\u0259y\u0259rl\u0259ndiririk. Bu t\u0259\u015f\u0259bb\u00fcsl\u0259r sektorda, maliyy\u0259 ekosistemind\u0259 yeni bir d\u0259yi\u015fiklik d\u00f6vr\u00fc ba\u015fladacaq, n\u0259tic\u0259d\u0259 is\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn yeni d\u0259y\u0259rl\u0259r formala\u015facaq. Bir anl\u0131q t\u0259s\u0259vv\u00fcr ed\u0259k, a\u00e7\u0131q bank\u00e7\u0131l\u0131q yana\u015fmas\u0131n\u0131n t\u0259tbiqind\u0259n sonra, ayr\u0131-ayr\u0131 banklar m\u00fc\u015ft\u0259ril\u0259rin\u0259 fayda verm\u0259k m\u0259qs\u0259dil\u0259, onun raz\u0131l\u0131\u011f\u0131 \u0259sas\u0131nda m\u0259lumatlar\u0131n\u0131 r\u0259qib banklara, eyni zamanda maliyy\u0259 ekosistemind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n yeni innovativ oyun\u00e7ulara – fintekl\u0259r\u0259, startaplara a\u00e7acaqlar. Bu is\u0259 m\u00fc\u015ft\u0259ri u\u011frunda daha dinamik v\u0259 r\u0259qab\u0259tli m\u00fchit formala\u015fd\u0131racaq. N\u0259tic\u0259d\u0259 m\u00fc\u015ft\u0259ri ona \u0259n uy\u011fun m\u0259hsul v\u0259 xidm\u0259ti, \u0259n keyfiyy\u0259tli \u015f\u0259kild\u0259 t\u0259qdim ed\u0259n maliyy\u0259 t\u0259chizat\u00e7\u0131s\u0131n\u0131 se\u00e7\u0259c\u0259k. T\u0259cr\u00fcb\u0259 g\u00f6st\u0259rir ki, buna haz\u0131rl\u0131ql\u0131 olan m\u00fcasir banklar, innovativ d\u00fc\u015f\u00fcnc\u0259li yeni fintekl\u0259r bu prosesl\u0259rd\u0259n udu\u015flu \u00e7\u0131x\u0131r. Biz d\u0259, ABB olaraq bir m\u00fcdd\u0259tdir texnoloji v\u0259 r\u0259q\u0259msal infrastrukturumuzu buna uy\u011fun qururuq. A\u00e7\u0131q bank\u00e7\u0131l\u0131\u011fa ke\u00e7idin t\u0259m\u0259ll\u0259ri say\u0131lan, m\u00fcxt\u0259lif informasiya sisteml\u0259ri aras\u0131nda qar\u015f\u0131l\u0131ql\u0131 \u0259laq\u0259l\u0259rin qurulmas\u0131 \u00fc\u00e7\u00fcn protokol v\u0259 al\u0259tl\u0259r d\u0259sti olan API-lar\u0131m\u0131z\u0131 haz\u0131rlay\u0131r\u0131q. Bu g\u00fcn texnoloji infrastrukturumuz ist\u0259nil\u0259n k\u0259nar qurum v\u0259 ya \u015firk\u0259tin informasiya sisteml\u0259ri il\u0259 qar\u015f\u0131l\u0131ql\u0131 \u0259laq\u0259 qurmaq \u00fc\u00e7\u00fcn haz\u0131r v\u0259ziyy\u0259td\u0259dir. H\u0259tta bu inteqrasiyalar\u0131n b\u0259zi n\u00fcmun\u0259l\u0259rini art\u0131q t\u0259tbiq etmi\u015fik. \u00d6t\u0259n d\u00f6vrd\u0259 \u201c\u018fDV geri al\u201d xidm\u0259tinin iki operator bank\u0131ndan biri kimi, dig\u0259r bir ne\u00e7\u0259 kommersiya bank\u0131n\u0131n m\u00fc\u015ft\u0259ril\u0259ri \u00fc\u00e7\u00fcn d\u0259 bu xidm\u0259t\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 t\u0259min etmi\u015fik. Bir q\u0259d\u0259r \u0259vv\u0259l qeyd etdiyim kimi, ilin \u0259vv\u0259lind\u0259 ABB mobile istifad\u0259\u00e7il\u0259rin\u0259 AB\u015e birjalar\u0131na birba\u015fa, anl\u0131q \u00e7\u0131x\u0131\u015f\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn AB\u015e-dak\u0131 bir broker \u015firk\u0259ti il\u0259 real rejimd\u0259 inteqrasiyan\u0131 m\u0259hz bu texnoloji \u00fcst\u00fcnl\u00fcy\u00fcm\u00fcz\u0259 \u0259saslanaraq tamamlam\u0131\u015f\u0131q. Bu yax\u0131nlarda bir s\u0131\u011forta \u015firk\u0259tinin sisteml\u0259ri il\u0259 qar\u015f\u0131l\u0131ql\u0131 inteqrasiya say\u0259sind\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 \u0259vv\u0259ld\u0259n sona q\u0259d\u0259r r\u0259q\u0259msal t\u0259cr\u00fcb\u0259 il\u0259 s\u0131\u011forta m\u0259hsullar\u0131 almaq imkan\u0131 vermi\u015fik. M\u00fc\u015ft\u0259ril\u0259r eyni zamanda ABB mobile-dan h\u0259min s\u0131\u011forta \u015firk\u0259tind\u0259ki b\u00fct\u00fcn aktiv m\u0259hsullar\u0131n\u0131 izl\u0259y\u0259 bilir. Haz\u0131rda bir ne\u00e7\u0259 fintek oyun\u00e7usu il\u0259 inteqrasiya prosesl\u0259rini m\u00fczakir\u0259 edirik.<\/p>\n\n\n\n

                            O ki qald\u0131 dig\u0259r texnoloji meyll\u0259r\u0259, biz onlar\u0131 da yax\u0131ndan izl\u0259yirik. Misal \u00fc\u00e7\u00fcn, bu g\u00fcnl\u0259rd\u0259 Generativ s\u00fcni intellektin (Generative AI) imkanlar\u0131n\u0131 t\u0259tbiq etm\u0259kl\u0259 h\u0259m arxa ofis i\u015fl\u0259rind\u0259, proqramla\u015fd\u0131rmada m\u0259hsuldarl\u0131\u011f\u0131 art\u0131rmaq \u00fc\u00e7\u00fcn hans\u0131 i\u015fl\u0259r g\u00f6r\u0259 bil\u0259c\u0259yimizi, h\u0259m d\u0259 m\u00fc\u015ft\u0259ri \u0259laq\u0259l\u0259rind\u0259, o c\u00fcml\u0259d\u0259n M\u0259lumat M\u0259rk\u0259zind\u0259 m\u00fc\u015ft\u0259ril\u0259rl\u0259 do\u011fma dilimizd\u0259 yaz\u0131l\u0131 v\u0259 s\u0259sli \u00fcnsiyy\u0259td\u0259 bundan istifad\u0259 imkanlar\u0131n\u0131 ara\u015fd\u0131r\u0131r\u0131q.<\/p>\n\n\n\n

                              \n
                            • \u018ftrafl\u0131 m\u0259lumat \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edirik. ABB-nin t\u00f6r\u0259m\u0259 m\u00fc\u0259ssis\u0259l\u0259rinin d\u0259 inki\u015faf strategiyalar\u0131 varm\u0131?<\/strong><\/li>\n<\/ul>\n\n\n\n

                              ABB Maliyy\u0259 Qrupuna daxil olan \u201cABB Moskva\u201d Bank\u0131n\u0131n, \u201cABB \u0130nvest\u201d \u015firk\u0259tinin, Az\u0259rikard prosessinq m\u0259rk\u0259zinin d\u0259 inki\u015faf strategiyalar\u0131 haz\u0131rlan\u0131b v\u0259 icra edilir. Onlar\u0131n icras\u0131 ABB-nin \u00fcmumi inki\u015faf layih\u0259l\u0259ri il\u0259 inteqrasiya olunmu\u015f \u015f\u0259kild\u0259 h\u0259yata ke\u00e7irilir. ABB-nin strateji layih\u0259l\u0259ri  birba\u015fa, yaxud dolay\u0131s\u0131 il\u0259 t\u00f6r\u0259m\u0259l\u0259rimizi d\u0259 inki\u015faf etdirir. Eyni zamanda birg\u0259 f\u0259aliyy\u0259t biz\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz\u0259, t\u0259r\u0259fda\u015flar\u0131m\u0131za inteqrasiya olunmu\u015f universal xidm\u0259tl\u0259r t\u0259qdim etm\u0259k imkan\u0131 yarad\u0131r.<\/p>\n\n\n\n

                                \n
                              • Haz\u0131rda ABB-d\u0259 n\u0259 q\u0259d\u0259r i\u015f\u00e7i \u00e7al\u0131\u015f\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n

                                Bank\u0131m\u0131z\u0131n 3400-d\u0259n art\u0131q \u0259m\u0259kda\u015f\u0131 var. ABB sektorun \u0259sas i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259rind\u0259n biri kimi \u00f6lk\u0259mizd\u0259 m\u0259\u015f\u011fullu\u011fa, sosial rifaha da t\u00f6hf\u0259 verir. Maliyy\u0259 sektorunun \u0259n yax\u015f\u0131 i\u015f\u0259g\u00f6t\u00fcr\u0259ni olmaq \u00fc\u00e7\u00fcn ABB-d\u0259 korporativ m\u0259d\u0259niyy\u0259t daha da g\u00fccl\u0259ndirilir. \u018fm\u0259kda\u015flar\u0131m\u0131z\u0131n inki\u015faf\u0131na davaml\u0131 investisiyalar edilir. \u0130\u015f\u00e7il\u0259r yeti\u015fdirilir, onlar\u0131n \u00f6zl\u0259rini arzular\u0131na uy\u011fun istiqam\u0259tl\u0259rd\u0259 realla\u015fd\u0131ra bilm\u0259l\u0259rin\u0259 d\u0259st\u0259k verilir. \u0130\u015f\u0259q\u0259bul, t\u0259cr\u00fcb\u0259, karyera inki\u015faf\u0131, daxili rotasiya v\u0259 s. istiqam\u0259tl\u0259r \u00fczr\u0259 m\u00fcxt\u0259lif proqramlar\u0131m\u0131zla ABB-d\u0259 b\u0259rab\u0259r imkanlar m\u00fchiti qorunur. Bu m\u00fchit yeni layih\u0259l\u0259rimizl\u0259 daha da inki\u015faf etdiril\u0259c\u0259k v\u0259 \u00f6z\u00fcn\u00fc ABB komandas\u0131nda g\u00f6r\u0259n h\u0259r k\u0259s\u0259 daim \u0259l\u00e7atan olacaq.<\/p>\n\n\n\n

                                Biz \u00f6lk\u0259mizin \u0259m\u0259k bazar\u0131 \u00fc\u00e7\u00fcn pe\u015f\u0259kar m\u00fct\u0259x\u0259ssisl\u0259r yeti\u015fdiririk. Bank\u0131m\u0131z\u0131n 2019-cu ild\u0259 yaratd\u0131\u011f\u0131 ABB Tech Akademiyas\u0131n\u0131n u\u011furu buna daha bir n\u00fcmun\u0259dir. 4 il \u0259rzind\u0259 ABB Tech Akademiyas\u0131n\u0131 526 m\u0259zun  bitirib. Onlar\u0131n 116 n\u0259f\u0259ri haz\u0131rda ABB Maliyy\u0259 qrupunun m\u00fcxt\u0259lif layih\u0259l\u0259rind\u0259 \u00e7al\u0131\u015f\u0131r, dig\u0259r m\u0259zunlar is\u0259 ayr\u0131-ayr\u0131 yerli v\u0259 xarici t\u0259\u015fkilatlar\u0131n \u0259m\u0259kda\u015flar\u0131d\u0131r. M\u0259zunlar\u0131n i\u015f\u0259q\u0259bul \u0259msal\u0131 olduqca y\u00fcks\u0259kdir. Bank\u0131m\u0131z\u0131n ABB \u0130nnovasiya M\u0259rk\u0259zi d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rir. \u0130ndiy\u0259 q\u0259d\u0259r 40-a yax\u0131n startap layih\u0259si burada inkubasiya m\u0259rh\u0259l\u0259sind\u0259n ke\u00e7ib v\u0259 investorlara t\u0259qdim edilib. Bel\u0259 layih\u0259l\u0259r biznes v\u0259 t\u0259hsil \u0259m\u0259kda\u015fl\u0131\u011f\u0131n\u0131n inki\u015faf\u0131, g\u0259nc istedadlar\u0131n d\u0259st\u0259kl\u0259nm\u0259si bax\u0131m\u0131ndan da \u00e7ox m\u00fch\u00fcmd\u00fcr.<\/p>\n\n\n\n

                                  \n
                                • Bu yax\u0131nlarda sektor \u00fczr\u0259 3-c\u00fc r\u00fcb\u00fcn yekunlar\u0131 a\u00e7\u0131qland\u0131. ABB olaraq, ilin ilk 3 r\u00fcb\u00fc \u00fczr\u0259 n\u0259tic\u0259l\u0259rinizi nec\u0259 qiym\u0259tl\u0259ndirirsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

                                  Bir q\u0259d\u0259r \u0259vv\u0259l d\u0259 qeyd etdiyim kimi, 2023-c\u00fc il, bizim yeni strateji d\u00f6vr \u2013 \u201cS\u00fcr\u0259tli inki\u015faf\u201d adland\u0131rd\u0131\u011f\u0131m\u0131z d\u00f6vr\u00fcn ilk ilidir. R\u0259q\u0259ml\u0259r onu g\u00f6st\u0259rir ki, bank\u0131m\u0131z \u00f6t\u0259n d\u00f6vrd\u0259 qurdu\u011fumuz sa\u011flam t\u0259m\u0259ll\u0259r \u00fcz\u0259rind\u0259 s\u00fcr\u0259tl\u0259 b\u00f6y\u00fcm\u0259y\u0259 ba\u015flay\u0131b. B\u00fct\u00fcn seqmentl\u0259r \u00fczr\u0259 bazar pay\u0131m\u0131z\u0131 art\u0131rm\u0131\u015f\u0131q, y\u0259ni r\u0259qibl\u0259rimizd\u0259n daha s\u00fcr\u0259tl\u0259 b\u00f6y\u00fcm\u00fc\u015f\u00fck. Kredit bazar\u0131nda pay\u0131m\u0131z\u0131 3 r\u00fcb \u0259rzind\u0259 2% b\u0259ndi art\u0131raraq 20%-\u0259 \u00e7atd\u0131rm\u0131\u015f\u0131q, real sektorun maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 1,7 milyard manatdan \u00e7ox v\u0259sait ay\u0131rm\u0131\u015f\u0131q, aktiv m\u00fc\u015ft\u0259ri saylar\u0131n\u0131 \u00f6t\u0259n il\u0259 n\u0259z\u0259r\u0259n 2 d\u0259f\u0259 daha s\u00fcr\u0259tl\u0259 art\u0131rma\u011fa nail olmu\u015fuq, y\u00fcks\u0259k xalis m\u0259nf\u0259\u0259t \u0259ld\u0259 etmi\u015fik. B\u00fct\u00fcn bunlar y\u00fcks\u0259k motivasiyal\u0131 ABB komandas\u0131n\u0131n yeni strategiyam\u0131za sadiqliyini g\u00f6st\u0259rir.<\/p>\n\n\n\n

                                    \n
                                  • Son sual\u0131m\u0131z: yeni strateji d\u00f6vrd\u0259 ABB qar\u015f\u0131s\u0131na hans\u0131 \u0259sas h\u0259d\u0259fl\u0259ri qoyub?<\/strong><\/li>\n<\/ul>\n\n\n\n

                                    Yeni strateji d\u00f6vrd\u0259 ABB-nin \u0259sas h\u0259d\u0259fl\u0259ri seqmentl\u0259r \u00fczr\u0259 bazar liderliyi, data \u0259sasl\u0131 r\u0259q\u0259msal t\u0259cr\u00fcb\u0259, \u00fcst\u00fcn m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fcl\u00fck v\u0259 maliyy\u0259 sektorunun \u0259n yax\u015f\u0131 i\u015f\u0259g\u00f6t\u00fcr\u0259ni olmaqd\u0131r.  Yeni strategiyam\u0131zda b\u00fct\u00fcn bu strateji h\u0259d\u0259fl\u0259r\u0259 \u00e7atmaq \u00fc\u00e7\u00fcn 58 t\u0259\u015f\u0259bb\u00fcs v\u0259 y\u00fczl\u0259rl\u0259 layih\u0259 h\u0259yata ke\u00e7irm\u0259yi n\u0259z\u0259rd\u0259 tutmu\u015fuq.<\/p>\n\n\n\n

                                    Siz\u0259 yeni strateji d\u00f6vrd\u0259 u\u011furlar. M\u00fcsahib\u0259 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edirik!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

                                    \u201cABB yeni strateji d\u00f6vr\u0259 daxil olub\u201d M\u00fcsahibimiz Bank\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri Abbas \u0130brahimovdur. Bu c\u00fcr \u0259hat\u0259li m\u0259lumatlar\u0131 payla\u015fmaqla bizim \u0259sas m\u0259qs\u0259dimiz b\u00fct\u00fcn maraql\u0131 t\u0259r\u0259fl\u0259ri f\u0259aliyy\u0259timiz haqq\u0131nda \u0259trafl\u0131 m\u0259lumatland\u0131rmaq v\u0259 davaml\u0131l\u0131qla ba\u011fl\u0131 \u00f6hd\u0259likl\u0259rimiz\u0259 sadiqliyimizi g\u00f6st\u0259rm\u0259kdir.Hesabatda Bank\u0131m\u0131z\u0131n…<\/p>\n","protected":false},"author":2,"featured_media":17997,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17996"}],"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=17996"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17996\/revisions"}],"predecessor-version":[{"id":18001,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/17996\/revisions\/18001"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/17997"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}