{"id":25899,"date":"2024-07-12T08:00:00","date_gmt":"2024-07-12T05:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=25899"},"modified":"2024-07-12T16:43:29","modified_gmt":"2024-07-12T13:43:29","slug":"unibank-ikinci-rubun-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99rini-aciqlayib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=25899","title":{"rendered":"Unibank ikinci r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini\u00a0 a\u00e7\u0131qlay\u0131b"},"content":{"rendered":"\n

Unibank ikinci r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini\u00a0 a\u00e7\u0131qlay\u0131b<\/strong><\/p>\n\n\n\n

Unibank bu g\u00fcn \u00f6lk\u0259d\u0259 real sektorun maliyy\u0259 v\u0259saiti il\u0259 t\u0259min olunmas\u0131nda daha \u00e7ox aktivlik n\u00fcmayi\u015f etdir\u0259n banklardand\u0131r. 2024-c\u00fc ilin 2-ci r\u00fcb\u00fc \u0259rzind\u0259 d\u0259 Bank aktiv kreditl\u0259\u015fm\u0259ni davam etdir\u0259r\u0259k, \u00f6lk\u0259 iqtisadiyyat\u0131na \u00f6z t\u00f6hf\u0259sini art\u0131r\u0131b.<\/p>\n\n\n\n

2023-ci ilin ikinci r\u00fcb\u00fcn\u00fcn n\u0259tic\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 cari ilin m\u00fcvafiq d\u00f6vr\u00fcnd\u0259 \u201cUnibank\u201d\u0131n \u00fcmumi kredit portfelinin h\u0259cmi 92 milyon manat \u00e7oxal\u0131b. Bu art\u0131mda biznes kreditl\u0259rinin x\u00fcsusi pay\u0131 var. Bank\u0131n yeni strateji h\u0259d\u0259fl\u0259rin\u0259 uy\u011fun olaraq, kredit portfelind\u0259 real sektora verilmi\u015f kreditl\u0259rin pay\u0131n\u0131n art\u0131r\u0131lmas\u0131 \u201cUnibank\u201d\u0131n prioritetl\u0259ri s\u0131ras\u0131ndad\u0131r. \u0130lin \u0259vv\u0259lind\u0259n etibar\u0259n biznes kreditl\u0259rinin h\u0259cmi \u00fcmumi kredit portfelinin t\u0259rkibind\u0259 geni\u015fl\u0259nm\u0259kd\u0259 davam edir. 2023-c\u00fc ilin ikinci r\u00fcb\u00fcn\u00fcn yekunu il\u0259 m\u00fcqayis\u0259d\u0259 biznes kreditl\u0259rinin Bank\u0131n \u00fcmumi kredit portfelind\u0259 pay\u0131 30 iyun 2024-c\u00fc il tarixin\u0259 11,5 % art\u0131b.<\/p>\n\n\n

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\u00dcmumilikd\u0259 is\u0259 biznes kredit portfeli \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 artaraq, 378 milyon manat\u0131 \u00f6t\u00fcb. Bank v\u0259saitl\u0259ri il\u0259 KOS v\u0259 Mikro sahibkarlar\u0131na veril\u0259n i\u015fl\u0259k kreditl\u0259r son bir ild\u0259 32% art\u0131b.<\/p>\n\n\n\n

Unibank regionlarda v\u0259 ucqar k\u0259ndl\u0259rd\u0259 mikro sahibkarlara m\u00fcxt\u0259lif sektorlar \u00fczr\u0259 kredit \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 art\u0131rmaqla, \u00f6lk\u0259d\u0259ki inkluziv inki\u015fafa t\u00f6hf\u0259 verm\u0259kd\u0259dir. Qeyd ed\u0259k ki, bank t\u0259r\u0259find\u0259n veril\u0259n mikrokreditl\u0259rin 80 %-i m\u0259hz regionlar\u0131n pay\u0131na d\u00fc\u015f\u00fcr.<\/p>\n\n\n\n

Real sektorun kreditl\u0259\u015fm\u0259sind\u0259 aktivlik, Bank\u0131 se\u00e7\u0259n biznes m\u00fc\u015ft\u0259ril\u0259rinin statistikas\u0131nda, aktiv biznes m\u00fc\u015ft\u0259ril\u0259rinin say\u0131n\u0131n artmas\u0131nda da \u00f6z\u00fcn\u00fc g\u00f6st\u0259rib. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 Unibank\u0131 se\u00e7\u0259n sahibkarlar\u0131n say\u0131nda 25%, h\u00fcquqi \u015f\u0259xsl\u0259rin say\u0131nda is\u0259 23% art\u0131m olub. Son 1 il \u0259rzind\u0259 Unibankda sahibkarlar t\u0259r\u0259find\u0259n a\u00e7\u0131lan onlayn hesablarda 53 %-lik art\u0131m qeyd\u0259 al\u0131n\u0131b.<\/p>\n\n\n\n

Unibank \u00f6z korporativ sosial m\u0259suliyy\u0259t strategiyas\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 qad\u0131n sahibkarlar\u0131 d\u0259st\u0259kl\u0259m\u0259kd\u0259 davam edir. Bu sah\u0259y\u0259 x\u00fcsusi diqq\u0259tin n\u0259tic\u0259si olaraq, bank t\u0259r\u0259find\u0259n maliyy\u0259 v\u0259saiti il\u0259 t\u0259min olunan qad\u0131n sahibkarlar\u0131n say\u0131 ikinci r\u00fcb\u00fcn sonuna 5 min n\u0259f\u0259ri \u00f6t\u00fcb.<\/p>\n\n\n\n

Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov <\/strong>Bank \u00fc\u00e7\u00fcn yeni strateji d\u00f6vr\u00fcn ilk ili olan 2024-c\u00fc ilin birinci yar\u0131s\u0131nda qar\u015f\u0131ya qoyulan bir s\u0131ra h\u0259d\u0259fl\u0259r\u0259 nail olundu\u011funu bildirib:\u201d Bu, t\u0259kc\u0259 k\u0259miyy\u0259t v\u0259 keyfiyy\u0259tin y\u00fcks\u0259ldilm\u0259sinin deyil, h\u0259m d\u0259 m\u00fc\u015ft\u0259ril\u0259rin banka g\u00f6st\u0259rdiyi inam\u0131n, etibar\u0131n n\u0259tic\u0259sidir. Bu ilin ilk yar\u0131s\u0131n\u0131n n\u0259tic\u0259l\u0259rini t\u0259hlil ed\u0259rk\u0259n, biz yeni strateji d\u00f6vr \u00fc\u00e7\u00fcn qar\u015f\u0131ya qoydu\u011fumuz h\u0259d\u0259fl\u0259rin art\u0131q bir hiss\u0259sin\u0259 \u00e7atd\u0131\u011f\u0131m\u0131z\u0131 g\u00f6r\u00fcr\u00fck..Bank\u0131n xidm\u0259t v\u0259 m\u0259hsullar\u0131n\u0131n r\u0259q\u0259msalla\u015fd\u0131r\u0131lmas\u0131 prosesinin bu il \u0259rzind\u0259 d\u0259 davam etdirilm\u0259si, m\u00fc\u015ft\u0259ri bazas\u0131n\u0131n art\u0131m\u0131nda \u00f6z\u00fcn\u00fc g\u00f6st\u0259rib. \u0130st\u0259r LeoBank\u0131n n\u00fcmun\u0259sind\u0259, ist\u0259rs\u0259 d\u0259 mikro kreditl\u0259rin ayr\u0131lmas\u0131n\u0131n plan\u015fet \u00fcsulu il\u0259 h\u0259yata ke\u00e7irilm\u0259si, \u0259vv\u0259ll\u0259r bank xidm\u0259tl\u0259rind\u0259n k\u0259narda qalan demoqrafik qruplardan daha \u00e7ox insan\u0131n bankla f\u0259al \u015f\u0259kild\u0259 qar\u015f\u0131l\u0131ql\u0131 \u0259laq\u0259 yaratmas\u0131na, sad\u0259 \u0259m\u0259liyyatlardan m\u00fcr\u0259kk\u0259b maliyy\u0259 m\u0259hsullar\u0131na q\u0259d\u0259r xidm\u0259tl\u0259rd\u0259n istifad\u0259sin\u0259 imkan yarad\u0131b. Bu add\u0131mlar bizim strateji bax\u0131\u015f\u0131m\u0131z\u0131n \u0259sas prioritetl\u0259rind\u0259n olan ES\u0130 (Ekologiya, Sosial m\u0259s\u0259l\u0259l\u0259r v\u0259 Korporativ \u0130dar\u0259etm\u0259) standartlar\u0131na uy\u011fundur. \u0130nan\u0131r\u0131q ki, yeni h\u0259d\u0259fl\u0259rimiz\u0259 do\u011fru getdiyimiz yolda 2024-c\u00fc il Bank\u0131m\u0131z \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli ill\u0259rd\u0259n biri olacaq\u201d<\/p>\n\n\n\n

\u0130lin ilk yar\u0131s\u0131 na\u011fds\u0131z d\u00f6vriyy\u0259nin ciddi art\u0131m\u0131 il\u0259 d\u0259 yadda qal\u0131b. Hesabat d\u00f6vr\u00fcn\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi is\u0259  41% \u00e7oxalaraq,  5,6 milyard manata yax\u0131nla\u015f\u0131b. 2023-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin 2-ci r\u00fcb\u00fcnd\u0259 Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n say\u0131 51 % artaraq, 165 milyonu \u00f6t\u00fcb.<\/p>\n\n\n\n

\u00d6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 \u201cUnibank\u201d\u0131n depozit portfeli d\u0259 b\u00f6y\u00fcy\u00fcb. \u00dcmumi depozit portfeli \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 140 milyonmanat artaraq, bu ilin ikinci r\u00fcb\u00fcn\u00fcn yekununda <\/strong>1 milyard 245milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fcnd\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259 d\u0259 art\u0131m qeyd\u0259 al\u0131n\u0131b. 30 iyun 2024-c\u00fc il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 35 milyon manat t\u0259\u015fkil edib. Bu \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259  22 % art\u0131m dem\u0259kdir. Hesabat d\u00f6vr\u00fc \u0259rzind\u0259 Bank\u0131n m\u0259cmu g\u0259lirl\u0259ri 20 milyon manat art\u0131b. Bununla da ikinci r\u00fcb\u00fcn sonuna faiz v\u0259 qeyri-faiz g\u0259lirl\u0259ri 168 milyon manata y\u00fcks\u0259lib. Bu art\u0131mlar\u0131n fonunda bank\u0131n xalis m\u0259nf\u0259\u0259ti \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 25% artaraq,  11,5 milyon manata yax\u0131nla\u015f\u0131b. <\/p>\n\n\n\n

D\u00f6vr \u0259rzind\u0259 Bank\u0131n kapital m\u00f6vqeyi xeyli g\u00fccl\u0259nib. 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 20 %-d\u0259n \u00e7ox artaraq, 168 milyon manat olub. 2024-c\u00fc ilin ilk yar\u0131s\u0131nda Bank kapital adekvatl\u0131\u011f\u0131n\u0131 y\u00fcks\u0259ldib. Bel\u0259 ki, ilin ikinci r\u00fcb\u00fcn\u00fcn sonuna bank\u0131n kapital adekvatl\u0131q \u0259msal\u0131 artaraq, 12,8  %-i \u00f6t\u00fcb. Hesabat d\u00f6vr\u00fcn\u00fcn sonuna bank\u0131n aktivl\u0259ri d\u0259 artaraq, 1 milyard 683 milyonmanat olub.<\/p>\n\n\n\n

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

Unibank ikinci r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini\u00a0 a\u00e7\u0131qlay\u0131b Unibank bu g\u00fcn \u00f6lk\u0259d\u0259 real sektorun maliyy\u0259 v\u0259saiti il\u0259 t\u0259min olunmas\u0131nda daha \u00e7ox aktivlik n\u00fcmayi\u015f etdir\u0259n banklardand\u0131r. 2024-c\u00fc ilin 2-ci r\u00fcb\u00fc \u0259rzind\u0259 d\u0259 Bank aktiv kreditl\u0259\u015fm\u0259ni davam etdir\u0259r\u0259k, \u00f6lk\u0259…<\/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\/25899"}],"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=25899"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/25899\/revisions"}],"predecessor-version":[{"id":25901,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/25899\/revisions\/25901"}],"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=25899"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25899"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}