{"id":20767,"date":"2024-02-06T08:00:00","date_gmt":"2024-02-06T05:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=20767"},"modified":"2024-02-06T16:34:46","modified_gmt":"2024-02-06T13:34:46","slug":"m%c9%99qs%c9%99dimiz-kob-must%c9%99ril%c9%99rimiz","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=20767","title":{"rendered":"M\u0259qs\u0259dimiz KOB m\u00fc\u015ft\u0259ril\u0259rimiz…."},"content":{"rendered":"\n

M\u0259qs\u0259dimiz KOB m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn d\u0259 loyall\u0131q v\u0259 \u0259lav\u0259 d\u0259y\u0259r yaradan bank m\u00fchiti formala\u015fd\u0131rmaqd\u0131r<\/strong><\/p>\n\n\n\n

2023-c\u00fc il Unibank \u00fc\u00e7\u00fcn hans\u0131 n\u0259tic\u0259l\u0259rl\u0259 yadda qald\u0131? Bank\u0131n yeni strateji h\u0259d\u0259fl\u0259ri n\u0259dir? Yax\u0131n ill\u0259rd\u0259 Unibank\u0131n bazardak\u0131 m\u00f6vqeyind\u0259 hans\u0131 yenilikl\u0259r olacaq? Bu suallar\u0131 Unibank KB \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov<\/strong> m\u00fcsahib\u0259sind\u0259 cavabland\u0131r\u0131b.<\/em><\/p>\n\n\n

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  • F\u0259rid m\u00fc\u0259llim, bu yax\u0131nlarda Unibank \u00f6t\u0259n ilin maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlad\u0131. 2023-c\u00fc ild\u0259 bank\u0131n\u0131z\u0131n f\u0259aliyy\u0259tini \u0259sas maliyy\u0259 n\u0259tic\u0259l\u0259ri \u00fczr\u0259 nec\u0259 qiym\u0259tl\u0259ndir\u0259rdiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

    \u00dcmumilikd\u0259 qeyd edim ki, 2023-c\u00fc il bank\u0131m\u0131z \u00fc\u00e7\u00fcn \u0259ks\u0259r sah\u0259l\u0259rd\u0259 \u00e7ox u\u011furlu il oldu. \u00d6t\u0259n il Bank y\u00fcks\u0259k maliyy\u0259 n\u0259tic\u0259l\u0259ri \u0259ld\u0259 etdi ki, bu da strateji fokusumuzun v\u0259 s\u0259yl\u0259rimizin n\u0259tic\u0259si il\u0259 birba\u015fa \u0259laq\u0259lidir. X\u00fcsusil\u0259 vur\u011fulamaq ist\u0259rdim ki, \u00e7ox aktiv m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc f\u0259aliyy\u0259timizin, r\u0259q\u0259msal transformasiya istiqam\u0259tind\u0259 d\u0259rin \u015fax\u0259l\u0259nmi\u015f s\u0259yl\u0259rimizin n\u0259tic\u0259si olaraq, h\u0259m 2023-c\u00fc ild\u0259, h\u0259m d\u0259 \u00f6t\u0259n strateji d\u00f6vrd\u0259 bank\u0131n aktiv m\u00fc\u015ft\u0259ri say\u0131 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 ar\u0131b, \u0259sas r\u0259q\u0259msalla\u015fma g\u00f6st\u0259ricil\u0259ri bir ne\u00e7\u0259 d\u0259f\u0259 b\u00f6y\u00fcy\u00fcb.<\/p>\n\n\n\n

    Maliyy\u0259 n\u0259tic\u0259l\u0259rin\u0259 toxunmu\u015fk\u0259n bildirm\u0259k ist\u0259rdim ki, 2023-c\u00fc ild\u0259 maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259 \u0259sasl\u0131 ir\u0259lil\u0259yi\u015f \u0259ld\u0259 olunub. \u018fm\u0259liyyat s\u0259m\u0259r\u0259liliyin\u0259 fokuslanma strategiyam\u0131z\u0131n n\u0259tic\u0259si olaraq, x\u0259rcl\u0259rin g\u0259lirl\u0259r\u0259 nisb\u0259tind\u0259 v\u0259 kapital\u0131n g\u0259lirliliyind\u0259 \u0259vv\u0259lki il\u0259 n\u0259z\u0259r\u0259n xeyli yax\u015f\u0131la\u015fma m\u00fc\u015fahid\u0259 edilib. 2022-ci il bizim \u00fc\u00e7\u00fcn investisiya ili idi, sad\u0259 dild\u0259 des\u0259k, g\u0259l\u0259c\u0259k u\u011furlar\u0131m\u0131za z\u0259min haz\u0131rlay\u0131rd\u0131q. M\u00fc\u015ft\u0259ri say\u0131 v\u0259 aktivlik g\u00f6st\u0259ricil\u0259rind\u0259 b\u00f6y\u00fck art\u0131mlar olmas\u0131na baxmayaraq, investisiyalar\u0131m\u0131z s\u0259b\u0259bind\u0259n 2022-ci ild\u0259 m\u0259nf\u0259\u0259tliliyimiz a\u015fa\u011f\u0131 oldu.Ancaq \u00f6t\u0259n il h\u0259min investisiyalar \u00f6z b\u0259hr\u0259sini verdi, biznes g\u00f6st\u0259ricil\u0259rini real maliyy\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u00e7evirdi.<\/p>\n\n\n\n

    \u018fm\u0259liyyat g\u0259lirl\u0259rimiz d\u00f6vr \u0259rzind\u0259 98 % artaraq, 319 milyon manat\u0131 \u00f6tm\u0259kl\u0259 tarixi rekorda \u00e7atd\u0131. N\u0259tic\u0259d\u0259 bu g\u00f6st\u0259rici il\u0259 \u0259sas r\u0259qibl\u0259rimizi qabaqlayaraq, bank sektoru \u00fczr\u0259 4-c\u00fc yer\u0259 y\u00fcks\u0259l\u0259 bildik. \u018fm\u0259liyyat g\u0259lirl\u0259rind\u0259ki bu k\u0259skin art\u0131ma paralel olaraq, \u0259m\u0259liyyat x\u0259rcl\u0259rinin daha az v\u0259 t\u0259nziml\u0259n\u0259n art\u0131m\u0131 n\u0259tic\u0259sind\u0259, xalis \u0259m\u0259liyyat g\u0259lirimiz t\u0259xmin\u0259n 72 milyon manata y\u00fcks\u0259ldi. N\u0259tic\u0259d\u0259 bu maliyy\u0259 g\u00f6st\u0259ricisi \u00fczr\u0259 biz banklar aras\u0131nda ilk be\u015fliy\u0259 daxil olduq.<\/p>\n\n\n\n

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    • \u00d6t\u0259n il Unibank \u00fc\u00e7\u00fcn h\u0259m d\u0259 bir strateji d\u00f6vr\u00fcn ba\u015fa \u00e7atmas\u0131 ili oldu. \u00a0Yekunla\u015fan strategiyan\u0131z bank\u0131n davaml\u0131l\u0131\u011f\u0131n\u0131n, kapital m\u00f6vqeyinin v\u0259 \u00fcmumiyy\u0259tl\u0259, bazar pay\u0131n\u0131n art\u0131r\u0131lmas\u0131na hans\u0131 t\u00f6hf\u0259l\u0259r verib?<\/strong><\/li>\n<\/ul>\n\n\n\n

      Qeyd etm\u0259k ist\u0259rdim ki, \u00f6t\u0259n strateji d\u00f6vrd\u0259 \u0259sas biznes seqmentl\u0259rind\u0259 art\u0131m il\u0259 b\u0259rab\u0259r, Bank\u0131n kapital m\u00f6vqeyinin m\u00f6hk\u0259ml\u0259ndirilm\u0259si, davaml\u0131 v\u0259 dayan\u0131ql\u0131 inki\u015faf\u0131n \u00f6n\u0259 \u00e7\u0259kilm\u0259si \u0259sas prioritetl\u0259rimiz\u0259 daxil edilmi\u015fdi. N\u0259tic\u0259 olaraq, strateji d\u00f6vr \u0259rzind\u0259 bank\u0131n dayan\u0131ql\u0131 inki\u015faf\u0131n\u0131n g\u00f6st\u0259ricisi say\u0131lan m\u0259cmu kapital 43 % art\u0131b. Dayan\u0131ql\u0131 inki\u015faf\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn maliyy\u0259 effektivlik g\u00f6st\u0259ricil\u0259rini d\u0259 diqq\u0259t m\u0259rk\u0259zind\u0259 saxlad\u0131q. D\u00f6vr \u0259rzind\u0259 x\u0259rcl\u0259rimizi s\u0259m\u0259r\u0259li idar\u0259 etm\u0259kl\u0259, g\u0259lir-x\u0259rc s\u0259m\u0259r\u0259liliyinin \u0259n ba\u015fl\u0131ca g\u00f6st\u0259ricil\u0259rind\u0259n biri say\u0131lan \u00e7\u0259kil\u0259n x\u0259rcl\u0259rin g\u0259lirl\u0259r\u0259 nisb\u0259ti \u0259msal\u0131nda 28 % yax\u015f\u0131la\u015fmaya nail olduq. Bu strateji yana\u015fma yaln\u0131z sabitliyimizi g\u00fccl\u0259ndirm\u0259di, h\u0259m d\u0259 bazardak\u0131 r\u0259qab\u0259t qabiliyy\u0259timizi art\u0131rd\u0131. M\u0259nf\u0259\u0259tlilik g\u00f6st\u0259ricil\u0259rind\u0259 \u0259h\u0259miyy\u0259tli yax\u015f\u0131la\u015fma, birba\u015fa bu s\u0259yl\u0259rin n\u0259tic\u0259sidir. Bu d\u00f6vrd\u0259 komandam\u0131z\u0131n k\u00f6kl\u00fc d\u0259yi\u015fiklikl\u0259r\u0259 v\u0259 investisiyalara adekvat m\u00f6vqe n\u00fcmayi\u015f etdirm\u0259si, s\u00f6z\u00fc ged\u0259n n\u0259tic\u0259l\u0259r\u0259 nail olmaqda m\u00fch\u00fcm rol oynay\u0131b. \u00dcmumilikd\u0259, u\u011furla icra edil\u0259n strategiyam\u0131z yaln\u0131z maliyy\u0259 m\u00f6vqeyimizi m\u00f6hk\u0259ml\u0259ndirm\u0259yib, h\u0259m d\u0259 bizi bank sektorunda innovasiya v\u0259 s\u0259m\u0259r\u0259lilik g\u00f6st\u0259ricil\u0259rind\u0259 \u00f6n c\u0259rg\u0259y\u0259 \u00e7\u0131xar\u0131b.<\/p>\n\n\n\n

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      • B\u0259s \u00f6t\u0259n ili \u00fcmumilikd\u0259 \u00f6lk\u0259 bank sektoru \u00fc\u00e7\u00fcn nec\u0259 d\u0259y\u0259rl\u0259ndir\u0259rdiniz? Bank sektorunun inki\u015faf\u0131 n\u0259z\u0259r\u0259 al\u0131nmaqla, x\u00fcsusil\u0259 m\u00fc\u015ft\u0259ri davran\u0131\u015f\u0131 v\u0259 bank t\u0259cr\u00fcb\u0259l\u0259ri bax\u0131m\u0131ndan 2023-c\u00fc ild\u0259 m\u00fc\u015fahid\u0259 olunan \u0259h\u0259miyy\u0259tli bazar trendl\u0259ri sizc\u0259 hans\u0131lar oldu?<\/strong><\/li>\n<\/ul>\n\n\n\n

        \u00d6t\u0259n il bir s\u0131ra \u0259h\u0259miyy\u0259tli d\u0259yi\u015fiklikl\u0259r ba\u015f verdi, bazar trendl\u0259rind\u0259 \u0259sasl\u0131 d\u00f6n\u00fc\u015fl\u0259r m\u00fc\u015fahid\u0259 edildi. X\u00fcsusil\u0259, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmind\u0259 v\u0259 \u00fcmumi \u0259m\u0259liyyatlardak\u0131 \u00e7\u0259kisind\u0259 \u00e7ox s\u00fcr\u0259tli art\u0131mlar ba\u015f verdi. Bank kartlarlar\u0131n\u0131n say\u0131 il \u0259rzind\u0259 3.1 milyon \u0259d\u0259d artaraq, d\u00f6vr\u00fcn sonuna 17 milyon \u0259d\u0259d\u0259 \u00e7at\u0131b. Na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin kart \u00f6d\u0259ni\u015fl\u0259rind\u0259 pay\u0131 55 %-\u0259 \u00e7ataraq, eyni zamanda na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin ticar\u0259t d\u00f6vriyy\u0259sind\u0259ki pay\u0131 21 %-\u0259 y\u00fcks\u0259lib. Qeyd olunan g\u00f6st\u0259ricil\u0259r \u00fczr\u0259 d\u00f6vr \u0259rzind\u0259 m\u00fc\u015fahid\u0259 olunan s\u00fcr\u0259tli art\u0131m trendi, pandemiya d\u00f6vr\u00fcnd\u0259 ba\u015flasa da, Az\u0259rbaycanda Google Pay v\u0259 Apple Pay-in t\u0259tbiqi il\u0259 daha da s\u00fcr\u0259tl\u0259ndi.<\/p>\n\n\n\n

        Dig\u0259r \u0259sas trend, r\u0259q\u0259msal kanallara ke\u00e7idl\u0259 ba\u011fl\u0131d\u0131r. Bel\u0259 ki, Bank sektoru m\u00fc\u015ft\u0259ril\u0259r\u0259 \u00e7oxsayl\u0131 xidm\u0259tl\u0259r\u0259 r\u0259q\u0259msal \u015f\u0259kild\u0259 \u00e7\u0131x\u0131\u015f imkan\u0131 yaratmaqla, b\u00f6y\u00fck ir\u0259lil\u0259yi\u015fl\u0259r \u0259ld\u0259 edib, bununla da bank xidm\u0259tl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 art\u0131rmaqla yana\u015f\u0131, \u0259halinin filiallara m\u00fcraci\u0259t ethiyac\u0131n\u0131 azald\u0131b. Son 1 il \u0259rzind\u0259 M\u0259rk\u0259zi Bank\u0131n t\u0259qdim etdiyi statistik g\u00f6st\u0259ricil\u0259r\u0259 \u0259sas\u0259n \u0259hali t\u0259r\u0259find\u0259n mobil bank\u00e7\u0131l\u0131q t\u0259tbiql\u0259ri vasit\u0259sil\u0259 apar\u0131lan \u0259m\u0259liyyat say\u0131 2.4 d\u0259f\u0259 artmaqla 290 milyon \u0259m\u0259liyyata \u00e7at\u0131b.  Bu r\u0259q\u0259msal s\u0131\u00e7ray\u0131\u015f, x\u00fcsusil\u0259 bank xidm\u0259tl\u0259rind\u0259n k\u0259narda qalan v\u0259 ya bu xidm\u0259tl\u0259rd\u0259n az istifad\u0259 ed\u0259n \u0259halinin \u00fczl\u0259\u015fdiyi \u00e7\u0259tinlikl\u0259ri h\u0259ll etm\u0259kd\u0259 t\u0259sirli oldu ki, bu da m\u0259hsul v\u0259 xidm\u0259tl\u0259rin r\u0259q\u0259msal platformalarda t\u0259tbiqinin sosial \u0259h\u0259miyy\u0259tini \u0259ks etdirir. Co\u011frafi m\u0259hdudiyy\u0259tl\u0259r v\u0259 m\u00fcr\u0259kk\u0259b bank prosedurlar\u0131 kimi \u0259n\u0259n\u0259vi mane\u0259l\u0259ri aradan qald\u0131r\u0131r. R\u0259q\u0259msal platformalar\u0131m\u0131z m\u00fc\u015ft\u0259ri y\u00f6n\u00fcml\u00fc interfeys v\u0259 sad\u0259l\u0259\u015fdiril\u0259n prosesl\u0259r t\u0259klif edir, yeni istifad\u0259\u00e7il\u0259r \u00fc\u00e7\u00fcn bank xidm\u0259tl\u0259rind\u0259n istifad\u0259ni asanla\u015fd\u0131r\u0131r. N\u0259tic\u0259d\u0259, \u0259vv\u0259ll\u0259r bank xidm\u0259tl\u0259rind\u0259n k\u0259narda qalan demoqrafik qruplardan daha \u00e7ox insanlar bankla f\u0259al \u015f\u0259kild\u0259 qar\u015f\u0131l\u0131ql\u0131 \u0259laq\u0259 yarad\u0131r, sad\u0259 \u0259m\u0259liyyatlardan m\u00fcr\u0259kk\u0259b maliyy\u0259 m\u0259hsullar\u0131na q\u0259d\u0259r xidm\u0259tl\u0259rd\u0259n istifad\u0259 edir.<\/p>\n\n\n\n

        Bank\u0131m\u0131zda bu r\u0259q\u0259msal t\u0259\u015f\u0259bb\u00fcsl\u0259rin t\u0259siri ayd\u0131n g\u00f6r\u00fcn\u00fcr. Geni\u015f r\u0259q\u0259msal m\u0259hsul v\u0259 xidm\u0259tl\u0259rimiz daha \u0259l\u00e7atan v\u0259 inkl\u00fcziv bank xidm\u0259tl\u0259rin\u0259 \u00e7evrilm\u0259kl\u0259, m\u00fc\u015ft\u0259ri bazam\u0131z\u0131n s\u00fcr\u0259tli art\u0131m\u0131na s\u0259b\u0259b oldu. M\u0259s\u0259l\u0259n, son iki il \u0259rzind\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n say\u0131n\u0131n t\u0259xmin\u0259n 4 d\u0259f\u0259, bank\u0131m\u0131z\u0131n kartlar\u0131 il\u0259 apar\u0131lan na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n 5,4 d\u0259f\u0259 art\u0131m\u0131na nail olmu\u015fuq.  Eyni zamanda mobil t\u0259tbiqimizd\u0259n istifad\u0259 etm\u0259kl\u0259 \u0259m\u0259liyyat aparan m\u00fc\u015ft\u0259ril\u0259rimizin 5 d\u0259f\u0259y\u0259 yax\u0131n art\u0131b. B\u00fct\u00fcn bu r\u0259q\u0259ml\u0259r orta bazar art\u0131m g\u00f6st\u0259ricil\u0259rini \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 qabaqlay\u0131r.<\/p>\n\n\n\n

        LeoBank xidm\u0259tind\u0259n istifad\u0259 ed\u0259nl\u0259r d\u0259 daxil olmaqla, m\u00fc\u015ft\u0259ril\u0259rimizin b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti indi bank xidm\u0259tl\u0259rini v\u0259 \u0259m\u0259liyyatlar\u0131 r\u0259q\u0259msal \u015f\u0259kild\u0259 al\u0131r v\u0259 yerin\u0259 yetirir. Bu, sad\u0259c\u0259 r\u0259q\u0259msal h\u0259ll\u0259r\u0259 \u00fcst\u00fcnl\u00fck verilm\u0259sini deyil, h\u0259m d\u0259 maliyy\u0259 xidm\u0259tl\u0259rini daha \u0259l\u00e7atan etm\u0259k \u00fc\u00e7\u00fcn s\u0259yl\u0259rimizi g\u00f6st\u0259rir. \u00dcmumi mobil bank\u00e7\u0131l\u0131q t\u0259tbiql\u0259rind\u0259n ayl\u0131q aktiv istifad\u0259\u00e7il\u0259rimizin say\u0131 art\u0131q 1 milyon n\u0259f\u0259ri \u00fcst\u0259l\u0259m\u0259kd\u0259dir ki, bu da bank xidm\u0259tl\u0259rinin daha \u0259l\u00e7atan v\u0259 geni\u015f istifad\u0259sin\u0259 nail olmaq kimi strateji m\u0259qs\u0259dimiz \u00e7\u0259r\u00e7iv\u0259sind\u0259dir.<\/p>\n\n\n\n

        R\u0259q\u0259msalla\u015fma \u00fczr\u0259 t\u0259cr\u00fcb\u0259l\u0259rimiz yaln\u0131z fiziki \u015f\u0259xsl\u0259ri \u0259hat\u0259 ed\u0259n m\u0259hsul v\u0259 xidm\u0259tl\u0259rl\u0259 m\u0259hdudla\u015fmay\u0131b, el\u0259c\u0259 d\u0259 biznes m\u00fc\u015ft\u0259ril\u0259rin\u0259 t\u0259klif edil\u0259n xidm\u0259tl\u0259ri geni\u015f \u0259hat\u0259 edib. \u00d6t\u0259n strateji d\u00f6vrd\u0259 \u0259sas fokuslar\u0131m\u0131zdan biri d\u0259 mikro v\u0259 ki\u00e7ik seqment bazar i\u015ftirak\u00e7\u0131lar\u0131n\u0131n maliyy\u0259 inkl\u00fczivliyinin y\u00fcks\u0259ldilm\u0259si, onlar\u0131n bank m\u0259hsullar\u0131na \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131 olub. 2022-ci ild\u0259 t\u0259tbiq edil\u0259n avtomatla\u015fm\u0131\u015f anderraytinq h\u0259ll\u0259ri v\u0259 plan\u015fet vasit\u0259sil\u0259 yerind\u0259 t\u0259hlil, mikro seqment m\u00fc\u015ft\u0259ril\u0259rin s\u00fcr\u0259tli v\u0259 q\u0131sa vaxt interval\u0131nda kreditl\u0259\u015fm\u0259sin\u0259 s\u0259b\u0259b olub. 2023-c\u00fc ild\u0259 apard\u0131\u011f\u0131m\u0131z biznes kartlarla kreditl\u0259\u015fm\u0259 strategiyas\u0131 is\u0259 m\u00fc\u015ft\u0259ril\u0259rin maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131na v\u0259 t\u0259krar kreditl\u0259rd\u0259 filials\u0131z kreditl\u0259\u015fm\u0259y\u0259 h\u0259d\u0259fl\u0259nib. N\u0259tic\u0259d\u0259 ya\u015fay\u0131\u015f yeri v\u0259 t\u0259s\u0259rr\u00fcfat\u0131 ucqar k\u0259ndl\u0259rd\u0259 yerl\u0259\u015f\u0259n, filiallar\u0131m\u0131za gedib-g\u0259lm\u0259si m\u0259saf\u0259 bax\u0131m\u0131ndan \u00e7\u0259tin olan t\u0259s\u0259rr\u00fcfat subyektl\u0259rinin maliyy\u0259l\u0259\u015fm\u0259si asanla\u015f\u0131b. R\u0259q\u0259ml\u0259rl\u0259 ifad\u0259 ets\u0259k, b\u00fct\u00fcn bu kompleks add\u0131mlar\u0131n \u0259m\u0259li n\u0259tic\u0259sidir ki, \u00f6t\u0259n strateji d\u00f6vr \u0259rzind\u0259 biznes kredit portfelimiz 35 % art\u0131b. H\u0259m\u00e7inin mikro kreditl\u0259\u015fm\u0259d\u0259 t\u0259krar sat\u0131\u015flar\u0131n t\u0259xmin\u0259n 70 %-\u0259 q\u0259d\u0259r olan hiss\u0259si m\u00fc\u015ft\u0259ri filiala g\u0259lm\u0259d\u0259n h\u0259yata ke\u00e7irilib.<\/p>\n\n\n\n

          \n
        • Son ilin trendl\u0259rind\u0259n biri d\u0259 bank xidm\u0259tl\u0259rind\u0259 s\u00fcni intellektin t\u0259tbiqi oldu. Bank\u0131n\u0131z\u0131n r\u0259q\u0259msal transformasiyas\u0131nda, s\u00fcni intellektin t\u0259tbiqi v\u0259 inki\u015faf\u0131 hans\u0131 rol oynay\u0131b?<\/strong><\/li>\n<\/ul>\n\n\n\n

          Bank\u0131m\u0131z s\u00fcni intellektin potensial\u0131ndan, x\u00fcsusil\u0259 m\u00fc\u015ft\u0259ri xidm\u0259tl\u0259rinin v\u0259 \u0259m\u0259liyyat s\u0259m\u0259r\u0259liliyinin art\u0131r\u0131lmas\u0131nda geni\u015f \u015f\u0259kild\u0259 istifad\u0259ni h\u0259d\u0259fl\u0259yib. \u00d6t\u0259n ilin \u0259vv\u0259ll\u0259rind\u0259n generativ s\u00fcni intellekt (S\u0130) qabiliyy\u0259tl\u0259rini ara\u015fd\u0131rma\u011fa ba\u015flad\u0131q. X\u00fcsusil\u0259 m\u00fc\u015ft\u0259ri xidm\u0259ti m\u0259rk\u0259zl\u0259ri, bu xidm\u0259tl\u0259rin keyfiyy\u0259tinin qiym\u0259tl\u0259ndirilm\u0259si, arxa ofis tap\u015f\u0131r\u0131qlar\u0131n\u0131n optimalla\u015fd\u0131r\u0131lmas\u0131 v\u0259 h\u0259tta inki\u015faf v\u0259 kodla\u015fd\u0131rma t\u0259\u015f\u0259bb\u00fcsl\u0259ri kimi \u0259sas sah\u0259l\u0259rd\u0259 S\u0130 t\u0259tbiq imkanlar\u0131n\u0131 n\u0259z\u0259rd\u0259n ke\u00e7irdik.<\/p>\n\n\n\n

          Neyrolinqvistik proqramla\u015fd\u0131rmada (NLP) ir\u0259lil\u0259yi\u015fl\u0259ri n\u0259z\u0259r\u0259 alaraq, x\u00fcsus\u0259n mesencerl\u0259r vasit\u0259sil\u0259 al\u0131nan mesajlara fokuslanmaqla, ilk olaraq m\u00fc\u015ft\u0259ri m\u00fcraci\u0259tl\u0259rinin emal\u0131nda S\u0130-ni s\u0131naqdan ke\u00e7irdik. Bel\u0259 m\u00fcraci\u0259tl\u0259r b\u00fct\u00fcn m\u00fc\u015ft\u0259ri sor\u011fular\u0131n\u0131n t\u0259xmin\u0259n 50 %-ni v\u0259 ya ayda 300.000-\u0259 yax\u0131n\u0131n\u0131 t\u0259\u015fkil etdiyind\u0259n, bu, bizim \u00fc\u00e7\u00fcn h\u0259lledici sah\u0259 idi. \u00d6nc\u0259 S\u0130 h\u0259ll\u0259rini  m\u0259lumat m\u0259rk\u0259zi \u0259m\u0259kda\u015flar\u0131m\u0131z \u00fc\u00e7\u00fcn k\u00f6m\u0259k\u00e7i funksionall\u0131q kimi inteqrasiya etm\u0259kl\u0259 ba\u015flad\u0131q. \u0130\u015f\u0259 sal\u0131nd\u0131qdan bir ay sonra \u00fcmumi m\u00fcraci\u0259tl\u0259rd\u0259 30 % istifad\u0259 s\u0259viyy\u0259sin\u0259 \u00e7atd\u0131q. Y\u0259ni \u0259m\u0259kda\u015flar daxil olan sor\u011fular\u0131 cavabland\u0131rmaq \u00fc\u00e7\u00fcn S\u0130-nin t\u0259klif etdiyi cavablardan istifad\u0259 etdil\u0259r. \u0130ndi is\u0259 80 % s\u0259m\u0259r\u0259liliy\u0259 \u00e7atm\u0131\u015f\u0131q. Y\u0259ni, 80 % hallarda \u0259m\u0259kda\u015flar S\u0130 t\u0259r\u0259find\u0259n t\u0259klif olunan cavablar\u0131 he\u00e7 bir d\u0259yi\u015fiklik olmadan se\u00e7irl\u0259r.<\/p>\n\n\n\n

          Son aylarda, balans sor\u011fular\u0131, tranzaksiyalar\u0131n detallar\u0131 bar\u0259d\u0259 suallar v\u0259 s. kimi sad\u0259 sor\u011fular\u0131n emal\u0131 \u00fc\u00e7\u00fcn tam m\u00fcst\u0259qil S\u0130 sistemini i\u015f\u0259 salm\u0131\u015f\u0131q. S\u0130 bu sor\u011fular\u0131 m\u00fcst\u0259qil emal edir v\u0259 bank \u0259m\u0259kda\u015f\u0131n\u0131n c\u0259lb edilm\u0259li oldu\u011fu hallar\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirir. Bunun m\u00fc\u015ft\u0259ri xidm\u0259ti m\u0259rk\u0259zl\u0259rimizin s\u0259m\u0259r\u0259liliyini \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131raca\u011f\u0131 v\u0259 m\u00f6vc\u00fcd i\u015f\u00e7i hey\u0259timizin effektviliyinin 30-40 % y\u00fcks\u0259ld\u0259c\u0259yi g\u00f6zl\u0259nilir. Bel\u0259 innovativ h\u0259ll\u0259rin t\u0259tbiqind\u0259 d\u0259 keyfiyy\u0259t\u0259 n\u0259zar\u0259t son d\u0259r\u0259c\u0259 diqq\u0259t etdiyimiz sah\u0259dir. Normalda b\u00fct\u00fcn sor\u011fular\u0131n\u00a0 t\u0259xmin\u0259n 1 % -i t\u0259cr\u00fcb\u0259li n\u0259zar\u0259t\u00e7il\u0259rimiz t\u0259r\u0259find\u0259n keyfiyy\u0259t yoxlamas\u0131ndan ke\u00e7ir. Haz\u0131rda s\u00fcni intellekt t\u0259r\u0259find\u0259n dialoqlar\u0131n qiym\u0259tl\u0259ndirm\u0259sini s\u0131naqdan ke\u00e7iririk, g\u0259l\u0259c\u0259kd\u0259 S\u0130 istifad\u0259si hesab\u0131na n\u0259zar\u0259t olunan dialoqlar\u0131n say\u0131n\u0131 5-7 % art\u0131rma\u011f\u0131 planlay\u0131r\u0131q. \u0130nan\u0131r\u0131q ki, bu biz\u0259 m\u00fc\u015ft\u0259ri xidm\u0259t keyfiyy\u0259tinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131nda \u0259h\u0259miyy\u0259tli ir\u0259lil\u0259yi\u015fl\u0259r\u0259 imkan yaradacaq. Son s\u0131naqlar\u0131m\u0131z\u0131n n\u0259tic\u0259l\u0259ri g\u00f6st\u0259rir ki, S\u0130 t\u0259r\u0259find\u0259n dialoqlar\u0131n qiym\u0259tl\u0259ndirm\u0259si, dem\u0259k olar n\u0259zar\u0259t\u00e7il\u0259rimizin d\u0259y\u0259rl\u0259ndirm\u0259l\u0259rin\u0259 yax\u0131nd\u0131r. Bel\u0259likl\u0259, S\u00fcni \u0130ntellektin m\u00fc\u015ft\u0259ri xidm\u0259t keyfiyy\u0259tinin yax\u015f\u0131la\u015fd\u0131rma istiqam\u0259tind\u0259 d\u0259 t\u0259tbiqini yax\u0131n zamanlarda geni\u015fl\u0259ndirm\u0259yi planlay\u0131r\u0131q.<\/p>\n\n\n\n

            \n
          • Bir q\u0259d\u0259r d\u0259 Bank\u0131n\u0131z\u0131n r\u0259q\u0259msal transformasiyas\u0131 yolunda h\u0259yata ke\u00e7iril\u0259n strateji t\u0259\u015f\u0259bb\u00fcsl\u0259rd\u0259n dan\u0131\u015faq..<\/strong><\/li>\n<\/ul>\n\n\n\n

            R\u0259q\u0259msal bank\u00e7\u0131l\u0131q t\u0259\u015f\u0259bb\u00fcsl\u0259rimizd\u0259 ir\u0259lil\u0259yi\u015f \u00e7oxt\u0259r\u0259fli yana\u015fman\u0131n n\u0259tic\u0259sidir. \u0130dar\u0259etm\u0259 t\u0259cr\u00fcb\u0259l\u0259rimiz \u00fczr\u0259 dey\u0259 bil\u0259r\u0259m ki, bizim h\u0259m \u00f6t\u0259n ill\u0259rd\u0259, h\u0259m d\u0259 g\u0259l\u0259c\u0259k f\u0259aliyy\u0259timizd\u0259 \u0259sas fokusumuz m\u00fc\u015ft\u0259ri ehtiyaclar\u0131na v\u0259 ist\u0259kl\u0259rin\u0259 \u00e7evik reaksiya verm\u0259k, yeni t\u0259l\u0259bl\u0259r\u0259 qar\u015f\u0131 adaptiv olmaq \u00fczr\u0259dir. Adaptiv idar\u0259etm\u0259 prioritetimizin \u0259sas aspektl\u0259rind\u0259n biri Agile metodologiyalara ke\u00e7id olub. Dey\u0259rdim ki, bu metodologiya \u0259n\u0259n\u0259vi idar\u0259etm\u0259 strukturlar\u0131m\u0131zda \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 m\u00fcsb\u0259t d\u0259yi\u015fiklikl\u0259r\u0259 v\u0259 u\u011furlar\u0131m\u0131za s\u0259b\u0259b olub, x\u00fcsusil\u0259 biznes v\u0259 m\u0259hsul inki\u015faf\u0131 sah\u0259l\u0259rind\u0259 f\u0259rql\u0259r ayd\u0131n g\u00f6r\u00fcn\u00fcr. \u0130dar\u0259etm\u0259, m\u0259hsul inki\u015faf\u0131 v\u0259 texnoloji inki\u015faf istiqam\u0259tl\u0259rind\u0259 Agile t\u0259cr\u00fcb\u0259l\u0259ri q\u0259bul etm\u0259kl\u0259 v\u0259 t\u0259tbiq etm\u0259kl\u0259 bu sah\u0259l\u0259rd\u0259 \u0259h\u0259miyy\u0259tli ir\u0259lil\u0259yi\u015f \u0259ld\u0259 etmi\u015fik, bu da h\u0259m bazar t\u0259l\u0259bl\u0259ri, h\u0259m d\u0259 m\u00fc\u015ft\u0259ri ehtiyaclar\u0131na s\u00fcr\u0259tl\u0259 uy\u011funla\u015fma\u011f\u0131m\u0131z \u00fc\u00e7\u00fcn \u00f6n\u0259mli rol oynay\u0131b. Bununla bel\u0259, bu transformasiya \u00e7\u0259tinlikl\u0259rsiz d\u0259 \u00f6t\u00fc\u015fm\u0259yib. \u018fn yax\u015f\u0131 insan kapital\u0131 t\u0259cr\u00fcb\u0259l\u0259rini spesifik \u015f\u0259raitimiz\u0259 uy\u011funla\u015fd\u0131rmaq \u00fcz\u0259rind\u0259 f\u0259al i\u015fl\u0259yir, davaml\u0131 olaraq t\u0259\u015fkilati m\u0259d\u0259niyy\u0259timiz v\u0259 m\u0259qs\u0259dl\u0259rimizl\u0259 balansla\u015fd\u0131rma\u011fa \u00e7al\u0131\u015f\u0131r\u0131q. \u00dcmumil\u0259\u015fdirs\u0259k qeyd ed\u0259 bil\u0259rik ki, biz Bank olaraq n\u00f6vb\u0259ti ill\u0259rd\u0259 Agile transformasiyan\u0131 s\u00fcr\u0259tl\u0259ndirm\u0259yi, bu idar\u0259etm\u0259 metodologiyas\u0131n\u0131n daha geni\u015f sah\u0259l\u0259rd\u0259 intensiv t\u0259tbiqini n\u0259z\u0259rd\u0259n ke\u00e7iririk.<\/p>\n\n\n\n

            Agile yana\u015fmalar\u0131 idar\u0259etm\u0259 t\u0259cr\u00fcb\u0259miz\u0259 inteqrasiya etm\u0259kl\u0259, \u0259m\u0259kda\u015flar\u0131m\u0131za daha ayd\u0131n \u015f\u0259kild\u0259 m\u0259qs\u0259dl\u0259rimizi a\u015f\u0131lamaq, el\u0259c\u0259 d\u0259 innovasiya v\u0259 f\u0259rql\u0259nm\u0259k \u00fc\u00e7\u00fcn s\u0259rb\u0259stlik verm\u0259yi h\u0259d\u0259fl\u0259yirik. Bundan \u0259lav\u0259, Agile metodologiyas\u0131na ke\u00e7id m\u00fc\u015ft\u0259ri ehtiyaclar\u0131na m\u00fcnasib\u0259td\u0259 \u00e7evikliyimizi art\u0131r\u0131r. Ard\u0131c\u0131l v\u0259 iterativ inki\u015faf yana\u015fmam\u0131z v\u0259 davaml\u0131 \u0259ks-\u0259laq\u0259 mexanizml\u0259ri, biz\u0259 d\u0259yi\u015f\u0259n bazar meyill\u0259rin\u0259 v\u0259 m\u00fc\u015ft\u0259ri se\u00e7iml\u0259rin\u0259 tez uy\u011funla\u015fma\u011fa imkan verir ki, bu da dinamik bank\u00e7\u0131l\u0131q d\u00fcnyas\u0131nda \u00e7ox h\u0259lledicidir. N\u0259tic\u0259 etibaril\u0259, Agile metodologiyalara ke\u00e7id r\u0259q\u0259msal bank\u00e7\u0131l\u0131qda ir\u0259lil\u0259yi\u015fimizin \u0259sas h\u0259r\u0259k\u0259tverici amilidir, bu da davaml\u0131 t\u0259kmill\u0259\u015fm\u0259 v\u0259 innovasiyaya d\u0259y\u0259rl\u0259rimiz\u0259 sadiqliyimizi bir daha t\u0259sdiq edir.<\/p>\n\n\n\n

              \n
            • 2024-c\u00fc ilin \u0259vv\u0259lind\u0259n yax\u0131n g\u0259l\u0259c\u0259y\u0259 baxark\u0259n, bank\u0131n\u0131z \u00fc\u00e7\u00fcn \u0259sas diqq\u0259t m\u0259rk\u0259zl\u0259ri v\u0259 strategiyalar hans\u0131lard\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n

              N\u00f6vb\u0259ti strateji d\u00f6vrd\u0259 vizyonumuz KOB v\u0259 biznes seqmentl\u0259rin\u0259 xidm\u0259t\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 fokuslanmaqd\u0131r. \u00c7\u00fcnki burada inki\u015faf v\u0259 innovasiyalar\u0131n t\u0259tbiqi \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli imkanlar m\u00f6vcuddur. Bu sah\u0259y\u0259 investisiyalar\u0131 art\u0131rma\u011f\u0131, r\u0259q\u0259msalla\u015fma t\u0259\u015f\u0259bb\u00fcsl\u0259rimizi davam etdirm\u0259yi planla\u015fd\u0131r\u0131r\u0131q. Kredit verilm\u0259si \u0259sas xidm\u0259t olsa da, biznesl\u0259rin g\u00fcnd\u0259lik \u0259m\u0259liyyat v\u0259 inki\u015faf ehtiyaclar\u0131n\u0131 d\u0259st\u0259kl\u0259y\u0259n h\u0259rt\u0259r\u0259fli xidm\u0259tl\u0259r qurma\u011fa \u00e7al\u0131\u015f\u0131r\u0131q. M\u0259qs\u0259dimiz yaln\u0131z maliyy\u0259 ehtiyaclar\u0131n\u0131 \u00f6d\u0259m\u0259kl\u0259 kifay\u0259tl\u0259nm\u0259y\u0259n, KOB m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn loyall\u0131q v\u0259 \u0259lav\u0259 d\u0259y\u0259r yaradan bank m\u00fchiti formala\u015fd\u0131rmaqd\u0131r.<\/p>\n\n\n\n

              Ki\u00e7ik v\u0259 orta biznes seqmentl\u0259rind\u0259 \u015f\u0259ffafl\u0131\u011f\u0131n artmas\u0131, r\u0259q\u0259msalla\u015fma v\u0259 vergi qanunvericiliyind\u0259 d\u0259yi\u015fiklikl\u0259r, bu isqitam\u0259td\u0259 daha d\u0259rin inki\u015faf \u00fc\u00e7\u00fcn yeni imkanlar yarad\u0131r. Bu d\u0259yi\u015fiklikl\u0259r KOB m\u0259hsul v\u0259 xidm\u0259tl\u0259rimizi geni\u015fl\u0259ndirm\u0259y\u0259 v\u0259 \u00e7e\u015fidl\u0259ndirm\u0259y\u0259 imkan verir. N\u00f6vb\u0259ti strateji d\u00f6vrd\u0259 m\u00fc\u015ft\u0259ri ehtiyaclar\u0131n\u0131 v\u0259 ist\u0259kl\u0259rini d\u0259rind\u0259n t\u0259hlil etm\u0259kl\u0259, biznesl\u0259r \u00fc\u00e7\u00fcn \u0259sas probleml\u0259ri m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259y\u0259 v\u0259 r\u0259q\u0259msalla\u015fma t\u0259\u015f\u0259bb\u00fcsl\u0259ri il\u0259 h\u0259ll etm\u0259y\u0259 ciddi diqq\u0259t yetirm\u0259y\u0259 davam ed\u0259c\u0259yik. Hesab edirik ki, yeni r\u0259q\u0259msal h\u0259ll\u0259rimiz biznesl\u0259rin maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 art\u0131rmaqla b\u0259rab\u0259r, ehtiyaclara birba\u015fa \u00fcnvanland\u0131\u011f\u0131 \u00fc\u00e7\u00fcn u\u011furlar\u0131na v\u0259 b\u00f6y\u00fcm\u0259l\u0259rin\u0259 ciddi d\u0259st\u0259k olacaq.<\/p>\n\n\n\n

              N\u00f6vb\u0259ti d\u00f6vrd\u0259 strateji bax\u0131\u015f\u0131m\u0131za toxunmu\u015fk\u0259n qeyd etm\u0259k ist\u0259rdim ki, biz h\u0259m\u00e7inin fiziki \u015f\u0259xsl\u0259rin d\u0259 bank m\u0259hsullar\u0131ndan daha rahat istifad\u0259sin\u0259, m\u0259saf\u0259d\u0259n xidm\u0259t kanallar\u0131n\u0131n art\u0131r\u0131lmas\u0131na, x\u00fcsusil\u0259 bank xidm\u0259tl\u0259rind\u0259n k\u0259narda qalan v\u0259 ya bu xidm\u0259tl\u0259rd\u0259n az istifad\u0259 ed\u0259n \u0259halinin \u00fczl\u0259\u015fdiyi \u00e7\u0259tinlikl\u0259ri h\u0259ll etm\u0259y\u0259 y\u00f6n\u0259l\u0259n r\u0259q\u0259msal kanallardak\u0131 kompleks innovativ f\u0259aliyy\u0259timiz\u0259 sadiq qalaca\u011f\u0131q. N\u00f6vb\u0259ti ill\u0259rd\u0259 m\u00fc\u015ft\u0259ril\u0259rl\u0259 t\u0259mas n\u00f6qt\u0259l\u0259rini m\u00fcmk\u00fcn q\u0259d\u0259r r\u0259q\u0259msal h\u0259ll\u0259r\u0259 da\u015f\u0131maqla, v\u0259t\u0259nda\u015flar\u0131n filialdan asl\u0131 olmadan bank xidm\u0259tl\u0259ri almas\u0131n\u0131 daha da asanla\u015fd\u0131raca\u011f\u0131q. Bu \u00e7\u0259r\u00e7iv\u0259d\u0259 qanunvericilik aktlar\u0131nda edil\u0259n son d\u0259yi\u015fiklikl\u0259rin verdiyi imkanlara m\u00fcvafiq \u201cfintech\u201d v\u0259 \u201cstartup\u201d \u015firk\u0259tl\u0259rl\u0259 inteqrasiyalar\u0131 geni\u015fl\u0259ndirm\u0259kl\u0259, yeni eko-sisteml\u0259rd\u0259 daha \u00e7ox v\u0259t\u0259nda\u015fa bank xidm\u0259tl\u0259rin\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 art\u0131rma\u011f\u0131 h\u0259d\u0259fl\u0259yirik.<\/p>\n\n\n\n

              2023-c\u00fc ild\u0259 bank\u0131m\u0131z r\u0259q\u0259msalla\u015fma, S\u0130 v\u0259 m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc strategiyalardan istifad\u0259yl\u0259 b\u00f6y\u00fck ir\u0259lil\u0259yi\u015f \u0259ld\u0259 ed\u0259r\u0259k, \u0259h\u0259miyy\u0259tli maliyy\u0259, \u0259m\u0259liyyat v\u0259 bazar u\u011furlar\u0131 qazand\u0131. Bu il d\u0259 \u00f6t\u0259n il oldu\u011fu kimi davaml\u0131 innovasiya, t\u0259kmill\u0259\u015fm\u0259 v\u0259 bank sektorunda r\u0259q\u0259msal transformasiya yolunda liderliy\u0259 sadiqik. Strateji bax\u0131\u015f\u0131m\u0131z p\u0259rak\u0259nd\u0259 m\u00fc\u015ft\u0259ril\u0259rl\u0259 yana\u015f\u0131, biznes\u0259, x\u00fcsusil\u0259 mikro v\u0259 KOB-lara xidm\u0259tl\u0259ri daha da yax\u015f\u0131la\u015fd\u0131rma\u011fa fokuslan\u0131r. M\u00fc\u015ft\u0259ril\u0259rin maliyy\u0259 ehtiyaclar\u0131n\u0131 \u00f6d\u0259m\u0259kl\u0259 yana\u015f\u0131, s\u00fcr\u0259tli, s\u0259m\u0259r\u0259li v\u0259 d\u0259y\u0259r \u0259sasl\u0131 r\u0259q\u0259msal h\u0259ll\u0259rl\u0259, biz onlar\u0131n bank t\u0259cr\u00fcb\u0259l\u0259rini k\u00f6k\u00fcnd\u0259n d\u0259yi\u015fdiririk.<\/p>\n\n\n\n

              H\u0259m\u00e7inin strateji bax\u0131\u015f\u0131m\u0131z \u00fczr\u0259 \u0259sas prioritetl\u0259rimiz\u0259 ES\u0130 (Ekologiya, Sosial m\u0259s\u0259l\u0259l\u0259r v\u0259 Korporativ \u0130dar\u0259etm\u0259) standartlar\u0131na uy\u011fun \u015f\u0259kild\u0259 f\u0259aliyy\u0259timizi geni\u015fl\u0259ndirm\u0259yi v\u0259 bu istiqam\u0259td\u0259 3 illik strateji plan\u0131m\u0131z\u0131 m\u00fc\u0259yy\u0259n etm\u0259kl\u0259 m\u00fcvafiq f\u0259aliyy\u0259timizi h\u0259yata ke\u00e7irm\u0259yi daxil etmi\u015fik. \u00dcmumilikd\u0259 qeyd edim ki, Bank\u0131m\u0131z f\u0259aliyy\u0259tind\u0259 h\u0259mi\u015f\u0259 bu istiqam\u0259t\u0259 x\u00fcsusi \u00f6n\u0259m verib, \u0259traf m\u00fchitin m\u00fchafiz\u0259si, sosial d\u0259st\u0259k v\u0259 v\u0259t\u0259nda\u015flar\u0131n aktual m\u0259s\u0259l\u0259l\u0259rd\u0259 maarifl\u0259ndirm\u0259si y\u00f6n\u00fcnd\u0259 bir s\u0131ra layih\u0259l\u0259ri m\u00fcnt\u0259z\u0259m h\u0259yata ke\u00e7irib.<\/p>\n\n\n\n

              N\u00f6vb\u0259ti d\u00f6vrd\u0259 ES\u0130 istiqam\u0259tind\u0259 f\u0259aliyy\u0259timizin \u0259sas istiqam\u0259tl\u0259rin\u0259 \u0259traf m\u00fchitin m\u00fchafiz\u0259sin\u0259 d\u0259st\u0259k t\u0259dbirl\u0259ri v\u0259 layih\u0259l\u0259rind\u0259 aktiv i\u015ftirak, eko-maliyy\u0259 m\u0259hsullar\u0131n\u0131n biznes m\u00fc\u015ft\u0259ril\u0259rin\u0259 v\u0259 v\u0259t\u0259nda\u015flara g\u00fcz\u0259\u015ftl\u0259 t\u0259klifi, bu istiqam\u0259td\u0259 maarifl\u0259ndirm\u0259nin daha geni\u015f apar\u0131lmas\u0131, bank xidm\u0259tl\u0259rin\u0259 \u00e7\u0131x\u0131\u015f\u0131 olmayan v\u0259t\u0259nda\u015flar\u0131n \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131, sosial i\u015f, i\u00e7timai i\u015ftirak\u00e7\u0131l\u0131q istiqam\u0259tind\u0259 layih\u0259l\u0259rd\u0259 aktiv f\u0259aliyy\u0259tin qurulmas\u0131 \u00fczr\u0259 add\u0131mlar daxildir. Haz\u0131rda Bankda bu \u00e7\u0259r\u00e7iv\u0259d\u0259 3 illik strateji planlama h\u0259yata ke\u00e7irilir. \u0130l \u0259rzind\u0259 v\u0259 n\u00f6vb\u0259ti ill\u0259rd\u0259 Bank\u0131m\u0131z\u0131n bu \u00e7\u0259r\u00e7iv\u0259d\u0259 g\u00f6st\u0259rdiyi f\u0259aliyy\u0259t daha \u0259trafl\u0131 \u015f\u0259kild\u0259 ayr\u0131ca Bank\u0131n Dayan\u0131ql\u0131 hesabat\u0131nda \u0259ks edilm\u0259kl\u0259 ictimaiyy\u0259tl\u0259 b\u00f6l\u00fc\u015f\u00fcl\u0259c\u0259k.<\/p>\n","protected":false},"excerpt":{"rendered":"

              M\u0259qs\u0259dimiz KOB m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn d\u0259 loyall\u0131q v\u0259 \u0259lav\u0259 d\u0259y\u0259r yaradan bank m\u00fchiti formala\u015fd\u0131rmaqd\u0131r 2023-c\u00fc il Unibank \u00fc\u00e7\u00fcn hans\u0131 n\u0259tic\u0259l\u0259rl\u0259 yadda qald\u0131? Bank\u0131n yeni strateji h\u0259d\u0259fl\u0259ri n\u0259dir? Yax\u0131n ill\u0259rd\u0259 Unibank\u0131n bazardak\u0131 m\u00f6vqeyind\u0259 hans\u0131 yenilikl\u0259r olacaq? Bu…<\/p>\n","protected":false},"author":2,"featured_media":20768,"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\/20767"}],"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=20767"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/20767\/revisions"}],"predecessor-version":[{"id":20769,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/20767\/revisions\/20769"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/20768"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}