{"id":19978,"date":"2024-01-12T09:00:00","date_gmt":"2024-01-12T06:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=19978"},"modified":"2024-01-12T16:58:40","modified_gmt":"2024-01-12T13:58:40","slug":"unibankin-investisiyalari-n%c9%99tic%c9%99-verdi-em%c9%99liyyat-m%c9%99nf%c9%99%c9%99ti-3-d%c9%99f%c9%99-artdi","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=19978","title":{"rendered":"Unibank\u0131n investisiyalar\u0131 n\u0259tic\u0259 verdi: \u018fm\u0259liyyat m\u0259nf\u0259\u0259ti 3 d\u0259f\u0259 artd\u0131"},"content":{"rendered":"\n

Unibank\u0131n investisiyalar\u0131 n\u0259tic\u0259 verdi: \u018fm\u0259liyyat m\u0259nf\u0259\u0259ti 3 d\u0259f\u0259 artd\u0131!<\/strong><\/p>\n\n\n\n

\u201cUnibank\u201d KB ASC 2023-c\u00fc ilin \u0259sas maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 c\u0259mi g\u0259lirl\u0259r 37 % artaraq, 319 <\/strong>milyon manata \u00e7at\u0131b. Bank\u0131n g\u0259lirl\u0259rind\u0259ki y\u00fcks\u0259lm\u0259 qar\u015f\u0131l\u0131\u011f\u0131nda il \u0259rzind\u0259 bank\u0131n x\u0259rcl\u0259rind\u0259 art\u0131m c\u0259mi 15 % olub.<\/p>\n\n\n

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N\u0259tic\u0259d\u0259 31 dekabr 2023-c\u00fc il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti \u0259vv\u0259lki ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 <\/strong>3 d\u0259f\u0259 artaraq, 75 <\/strong>milyon manata \u00e7at\u0131b. Bank hesabat ilini 33 milyon manatl\u0131q xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurub.<\/p>\n\n\n\n

Eyni zamanda 2023-ci ild\u0259 qazan\u0131lm\u0131\u015f faiz g\u0259lirl\u0259ri 212 milyon manata \u00e7at\u0131b, qeyri-faiz g\u0259lirl\u0259ri is\u0259 107milyon manat\u0131 \u00f6t\u00fcb. Bununla da Bank\u0131n qeyri-faiz g\u0259lirl\u0259ri \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 54 %, faiz g\u0259lirl\u0259ri is\u0259 37 % art\u0131b.  <\/p>\n\n\n\n

Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov <\/strong>2023-c\u00fc ilin Bank \u00fc\u00e7\u00fcn vacib inki\u015faf ili oldu\u011funu bildirib: \u201c\u00d6t\u0259n il Unibank \u00fc\u00e7\u00fcn h\u0259m d\u0259 bir strateji d\u00f6vr\u00fcn ba\u015fa \u00e7atmas\u0131 ili oldu. Bu d\u00f6vr \u0259rzind\u0259 \u0259h\u0259miyy\u0259tli u\u011furlara v\u0259 layih\u0259l\u0259r\u0259 imza atd\u0131q. Aktivl\u0259rimiz 1.6 milyard, kredit portfelimiz 1 milyard manat h\u0259ddin\u0259 \u00e7atd\u0131, eyni zamanda bank\u00e7\u0131l\u0131q xidm\u0259tl\u0259rimizd\u0259n istifad\u0259 ed\u0259n m\u00fc\u015ft\u0259ril\u0259rimizin say\u0131 3 d\u0259f\u0259y\u0259 yax\u0131n artaraq 1.5 milyon n\u0259f\u0259r\u0259d\u0259k geni\u015fl\u0259ndi. Bank\u0131m\u0131z\u0131n mobil \u0259lav\u0259l\u0259rinin aktiv istifad\u0259cil\u0259rinin say\u0131 strateji d\u00f6vr \u0259rzind\u0259 5 d\u0259f\u0259d\u0259n \u00e7ox artaraq, 1 milyon n\u0259f\u0259ri ke\u00e7di, eyni zamanda bank\u0131n m\u00fc\u015ft\u0259ri \u0259m\u0259liyyatlar\u0131n\u0131n 70%-d\u0259n \u00e7ox hiss\u0259sinin r\u0259q\u0259msal kanallara ke\u00e7idin\u0259 nail olduq. <\/em>Bank\u0131n bazar m\u00f6vqeyinin qoruyub saxlan\u0131lmas\u0131 v\u0259 daha da inki\u015faf\u0131 fonunda xalis m\u0259nf\u0259\u0259tin ciddi art\u0131m\u0131, biznesin maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 v\u0259 depozit portfelinin h\u0259cmind\u0259 b\u00f6y\u00fcm\u0259, \u00f6t\u0259n il d\u0259 m\u00fcsb\u0259t inki\u015faf tendensiyas\u0131n\u0131n davam etdiyini g\u00f6st\u0259rir. <\/em>Unibank \u00fc\u00e7\u00fcn yeni strateji d\u00f6vr\u00fcn ba\u015flan\u011f\u0131c ili olan 2024-c\u00fc ild\u0259 d\u0259 b\u00f6y\u00fck h\u0259d\u0259fl\u0259rimiz, inki\u015faf layih\u0259l\u0259rimiz var. \u0130nan\u0131r\u0131q ki, bu il Unibank v\u0259 \u00fcmumilikd\u0259 bank sektoru \u00fc\u00e7\u00fcn u\u011furlu il olacaq\u201d.<\/em><\/p>\n\n\n\n

Bank\u0131n davaml\u0131 inki\u015faf strategiyas\u0131na uy\u011fun olaraq, d\u00f6vr \u0259rzind\u0259 Bank\u0131n kapital m\u00f6vqeyi xeyli g\u00fccl\u0259nib. \u0130lin sonuna Bank\u0131n m\u0259cmu kapital\u0131 \u0259vv\u0259lki ilin  eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 25 % artaraq, 160  <\/strong>milyon manat olub. 2023-c\u00fc il \u0259rzind\u0259 Bank kapital adekvatl\u0131\u011f\u0131n\u0131 xeyli y\u00fcks\u0259ldib. Bel\u0259 ki, \u00f6t\u0259n ilin sonunda  bank\u0131n kapital adekvatl\u0131q \u0259msal\u0131 artaraq, 12.8  <\/strong>% t\u0259\u015fkil edib.<\/p>\n\n\n\n

Bank\u0131n art\u0131q milyard manat\u0131 \u00f6t\u0259n kredit portfeli ilin sonuna bir q\u0259d\u0259r d\u0259 artaraq, <\/strong>1 milyard 48 milyon manata \u00e7at\u0131b. <\/strong>Bu h\u0259m d\u02592022-ci ill\u0259 m\u00fcqayis\u0259d\u0259 22 % art\u0131m dem\u0259kdir. Portfelin strukturunda biznes kreditl\u0259rinin pay\u0131 bir q\u0259d\u0259r d\u0259 \u00e7oxal\u0131b. Biznes kredit portfeli \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 20%artaraq 329  <\/strong>milyon manat\u0131 \u00f6t\u00fcb. Ayr\u0131ca mikro kreditl\u0259r portfeli d\u0259 b\u00f6y\u00fcy\u00fcb. \u018fvv\u0259lki ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 mikrokredit portfeli 29 % <\/strong>artaraq, 174 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 26  <\/strong>% art\u0131b.  <\/p>\n\n\n\n

Bank\u0131n \u00fcmumi depozit portfeli d\u0259 1 milyardl\u0131q rekord h\u0259dd \u00fczr\u0259 artmaqda davam edir. \u0130lin n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, depozit portfeli \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 23 % <\/strong>artaraq, 1 milyard 215 milyon manat\u0131 \u00f6t\u00fcb. T\u0259kc\u0259 t\u0259l\u0259bli depozitl\u0259rin m\u0259bl\u0259\u011find\u0259 art\u0131m is\u0259 17 %-i ke\u00e7ib.<\/p>\n\n\n\n

2023-c\u00fc il \u0259rzind\u0259 Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi\u00a02.9\u00a0d\u0259f\u0259\u00a0artaraq, 9\u00a0milyarda\u00a0\u00a0manata \u00e7at\u0131b.\u00a0Aktiv kart m\u00fc\u015ft\u0259ril\u0259rinin qeyd\u0259 al\u0131nan art\u0131m is\u0259 19\u00a0% olub.<\/p>\n","protected":false},"excerpt":{"rendered":"

Unibank\u0131n investisiyalar\u0131 n\u0259tic\u0259 verdi: \u018fm\u0259liyyat m\u0259nf\u0259\u0259ti 3 d\u0259f\u0259 artd\u0131! \u201cUnibank\u201d KB ASC 2023-c\u00fc ilin \u0259sas maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 c\u0259mi g\u0259lirl\u0259r 37 % artaraq, 319 milyon manata \u00e7at\u0131b. Bank\u0131n g\u0259lirl\u0259rind\u0259ki y\u00fcks\u0259lm\u0259 qar\u015f\u0131l\u0131\u011f\u0131nda il \u0259rzind\u0259…<\/p>\n","protected":false},"author":2,"featured_media":19979,"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\/19978"}],"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=19978"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/19978\/revisions"}],"predecessor-version":[{"id":19980,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/19978\/revisions\/19980"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/19979"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}