{"id":29332,"date":"2024-10-11T03:00:00","date_gmt":"2024-10-11T00:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=29332"},"modified":"2024-10-11T12:58:55","modified_gmt":"2024-10-11T09:58:55","slug":"unibank-ucuncu-rubun-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99rini-aciqlayib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=29332","title":{"rendered":"Unibank \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b"},"content":{"rendered":"\n

Unibank \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b<\/strong><\/p>\n\n\n\n

Unibank 2024-c\u00fc ilin 3-c\u00fc r\u00fcb\u00fc \u0259rzind\u0259 d\u0259 aktiv kreditl\u0259\u015fm\u0259ni h\u0259yata ke\u00e7ir\u0259r\u0259k, \u00f6lk\u0259 iqtisadiyyat\u0131na \u00f6z t\u00f6hf\u0259sini verm\u0259kd\u0259 davam edib. 2023-ci ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn n\u0259tic\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin m\u00fcvafiq d\u00f6vr\u00fcnd\u0259 \u201cUnibank\u201d\u0131n \u00fcmumi kredit portfelinin h\u0259cmi 96 milyon manat art\u0131b. Bu art\u0131mda biznes kreditl\u0259rinin art\u0131m\u0131 \u0259h\u0259miyy\u0259tli olub. Yeni strateji h\u0259d\u0259fl\u0259rind\u0259 real sektorun inki\u015faf\u0131na x\u00fcsusi yer ay\u0131ran Bank\u0131n, prioritetl\u0259rin\u0259 uy\u011fun olaraq, biznes kreditl\u0259rinin h\u0259cmi \u00fcmumi kredit portfelinin t\u0259rkibind\u0259 geni\u015fl\u0259nm\u0259kd\u0259 davam edib. \u00d6t\u0259n ilin analoji d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 biznes kreditl\u0259rinin \u00fcmumi kredit portfelind\u0259 pay\u0131 30 sentyabr 2024-c\u00fc il tarixin\u0259 5%-d\u0259k 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, 409 milyon manata yax\u0131nla\u015f\u0131b. Uy\u011fun olarq, biznes kredit portfelinin h\u0259cmi 55 %, veril\u0259n biznes kreditl\u0259rinin h\u0259cmi is\u0259 55,3 % art\u0131b. Yeni kreditl\u0259rin say\u0131nda da 50 %-d\u0259k y\u00fcks\u0259lm\u0259 qeyd\u0259 al\u0131n\u0131b.  <\/p>\n\n\n\n

Bununla yana\u015f\u0131, mikrokreditl\u0259rin biznes portfeld\u0259 h\u0259cmi 24%, hesabat d\u00f6vr\u00fcnd\u0259 verilmi\u015f mikro kreditl\u0259rin h\u0259cmi is\u0259 20 % art\u0131b. 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, maliyy\u0259 inkl\u00fczivliyin\u0259 v\u0259 sosial-iqtisafi inki\u015fafa t\u00f6hf\u0259 verm\u0259kd\u0259dir. \u0130lin ilk 9 ay\u0131n\u0131n n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, mikro kreditl\u0259r \u00fczr\u0259 portfelin 70 %-\u0259 yax\u0131n\u0131 regionlar\u0131n pay\u0131na d\u00fc\u015f\u00fcr. <\/p>\n\n\n\n

Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov<\/strong> bildirib ki, bu ilin ilk doqquz ay\u0131n\u0131n n\u0259tic\u0259l\u0259ri, n\u0259z\u0259rd\u0259 tutulan h\u0259d\u0259fl\u0259r\u0259 uy\u011fundur: \u201cMaliyy\u0259 g\u00f6st\u0259ricil\u0259ri qar\u015f\u0131ya qoydu\u011fumuz h\u0259d\u0259fl\u0259rin realizasiyas\u0131na nail oldu\u011fumuzu g\u00f6st\u0259rir. Yeni strateji d\u00f6vr\u00fcn \u00e7a\u011f\u0131r\u0131\u015flar\u0131na v\u0259 h\u0259d\u0259fl\u0259rin\u0259 uy\u011fun olaraq, KOB m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn loyall\u0131q v\u0259 \u0259lav\u0259 d\u0259y\u0259r yaradan bank\u00e7\u0131l\u0131q m\u00fchiti formala\u015fd\u0131rmaq istiqam\u0259tind\u0259 f\u0259aliyy\u0259timiz davam edir. Yeni r\u0259q\u0259msal h\u0259ll\u0259rimiz maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 art\u0131rmaqla yana\u015f\u0131, biznesl\u0259rin dayan\u0131ql\u0131 inki\u015faf\u0131na \u0259h\u0259miyy\u0259tli d\u0259st\u0259yini g\u00f6st\u0259r\u0259c\u0259kdir. H\u0259m biznes, h\u0259m d\u0259 p\u0259rak\u0259nd\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 m\u00fcnasib\u0259td\u0259, f\u0259aliyy\u0259timizin v\u0259 bank\u00e7\u0131l\u0131q xidm\u0259tl\u0259rimizin ES\u0130 (Ekoloji, Sosial v\u0259 \u0130dar\u0259etm\u0259) prinsipl\u0259rin\u0259 uy\u011funlu\u011funa x\u00fcsusi diqq\u0259t edirik. Bug\u00fcnl\u0259rd\u0259 bazara t\u0259qdimat\u0131 n\u0259z\u0259rd\u0259 tutulan v\u0259 \u00f6lk\u0259miz \u00fc\u00e7\u00fcn ilk olan m\u00fcst\u0259qil beyn\u0259lxalq qiym\u0259tl\u0259ndirici t\u0259r\u0259find\u0259n ya\u015f\u0131l maliyy\u0259l\u0259\u015fm\u0259 meyarlar\u0131na uy\u011fun istiqrazlar\u0131n burax\u0131lmas\u0131, bu istiqam\u0259td\u0259 Bank\u0131m\u0131z t\u0259r\u0259find\u0259n i\u015fl\u0259rin diqq\u0259td\u0259 saxlan\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rm\u0259kl\u0259 yana\u015f\u0131, \u201ct\u0259miz \u0259traf m\u00fchit v\u0259 ya\u015f\u0131l art\u0131m \u00f6lk\u0259sin\u0259 \u00e7evrilm\u0259k\u201d milli prioritetini d\u0259st\u0259kl\u0259m\u0259si bax\u0131m\u0131ndan m\u0259suliyy\u0259tli korporativ v\u0259t\u0259nda\u015f kimi Bizim \u00fc\u00e7\u00fcn q\u00fcrurvericidir. Y\u00fcks\u0259k g\u0259lirli bu istiqrazlar, ekoloji t\u0259miz g\u0259l\u0259c\u0259y\u0259 yat\u0131r\u0131m etm\u0259k ist\u0259y\u0259n h\u0259r bir investor \u00fc\u00e7\u00fcn u\u011furlu se\u00e7im olacaq. Ya\u015f\u0131l istiqrazlar\u0131n emissiyas\u0131ndan \u0259ld\u0259 edil\u0259c\u0259k v\u0259saitl\u0259rin b\u0259rpa olunan enerji, \u00e7irkl\u0259nm\u0259nin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131, t\u0259miz n\u0259qliyyat, habel\u0259 iqlim d\u0259yi\u015fm\u0259l\u0259rinin mitiqasiyas\u0131 v\u0259 adaptasiyas\u0131 \u00fczr\u0259 dig\u0259r dayan\u0131ql\u0131l\u0131q prinsipl\u0259rin\u0259 uy\u011fun layih\u0259l\u0259rin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldilm\u0259si n\u0259z\u0259rd\u0259 tutulur<\/em>\u201d.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fc bu h\u0259d\u0259fl\u0259rin bir hiss\u0259si olan na\u011fds\u0131z d\u00f6vriyy\u0259nin ciddi art\u0131m\u0131 il\u0259 d\u0259 yadda qal\u0131b. \u00dc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn sonuna na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 41 % \u00e7oxalaraq,  8,9 milyard manata yax\u0131nla\u015f\u0131b. Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n say\u0131 is\u0259 48 % artaraq, 261 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 108 milyon manat artmaqla, bu ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn yekununda 1 milyard 232 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fcnd\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259 art\u0131m qeyd\u0259 al\u0131n\u0131b. 30 sentyabr 2024-c\u00fc il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 50 milyon manat t\u0259\u015fkil edib. D\u00f6vr \u0259rzind\u0259 Bank\u0131n m\u0259cmu g\u0259lirl\u0259ri 24 milyon manat art\u0131b. Bununla da \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn sonuna faiz v\u0259 qeyri-faiz g\u0259lirl\u0259ri 257 milyon manata y\u00fcks\u0259lib. Bu art\u0131mlar\u0131n fonunda bank\u0131n xalis m\u0259nf\u0259\u0259ti 17,6 milyon manat t\u0259\u015fkil edib.  D\u00f6vr \u0259rzind\u0259 Bank\u0131n kapital m\u00f6vqeyi d\u0259 xeyli g\u00fccl\u0259nib. M\u0259cmu kapital \u00f6t\u0259n ilin 3-c\u00fc r\u00fcb\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 11 %-d\u0259n \u00e7ox artaraq, 169 milyon manat olub. 2024-c\u00fc ilin ilk doqquz ay\u0131nda Bank kapital adekvatl\u0131\u011f\u0131n\u0131 y\u00fcks\u0259ldib. Bel\u0259 ki, ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn sonuna bank\u0131n kapital adekvatl\u0131q \u0259msal\u0131 artaraq, 12,9  %-\u0259 yax\u0131nla\u015f\u0131b. Hesabat d\u00f6vr\u00fcn\u00fcn sonuna bank\u0131n aktivl\u0259ri d\u0259 12% artaraq, 1 milyard 716 milyon manat olub.<\/p>\n","protected":false},"excerpt":{"rendered":"

Unibank \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b Unibank 2024-c\u00fc ilin 3-c\u00fc r\u00fcb\u00fc \u0259rzind\u0259 d\u0259 aktiv kreditl\u0259\u015fm\u0259ni h\u0259yata ke\u00e7ir\u0259r\u0259k, \u00f6lk\u0259 iqtisadiyyat\u0131na \u00f6z t\u00f6hf\u0259sini verm\u0259kd\u0259 davam edib. 2023-ci ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn n\u0259tic\u0259l\u0259ri il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin m\u00fcvafiq d\u00f6vr\u00fcnd\u0259…<\/p>\n","protected":false},"author":2,"featured_media":10248,"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\/29332"}],"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=29332"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/29332\/revisions"}],"predecessor-version":[{"id":29333,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/29332\/revisions\/29333"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/10248"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}