{"id":35105,"date":"2025-04-14T09:00:00","date_gmt":"2025-04-14T06:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=35105"},"modified":"2025-04-14T15:48:05","modified_gmt":"2025-04-14T12:48:05","slug":"unibank-2025-ci-ilin-ilk-rubunun-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99rini-aciqlayib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=35105","title":{"rendered":"Unibank 2025-ci ilin ilk r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b"},"content":{"rendered":"\n

Unibank 2025-ci ilin ilk r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b<\/strong><\/p>\n\n\n\n

Unibank 2025-ci ilin birinci r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b, biznes kreditl\u0259\u015fm\u0259si, r\u0259q\u0259msalla\u015fma v\u0259 m\u00fc\u015ft\u0259ri bazas\u0131n\u0131n geni\u015fl\u0259nm\u0259si sah\u0259l\u0259rind\u0259 m\u00fch\u00fcm u\u011furlara imza at\u0131b. Bank\u0131n strateji h\u0259d\u0259fl\u0259rin\u0259 uy\u011fun olaraq biznes kreditl\u0259rinin h\u0259cmi \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 artaraq, \u00fcmumi kredit portfelind\u0259 pay\u0131n\u0131 y\u00fcks\u0259ldib. Bel\u0259 ki, \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 biznes kreditl\u0259rinin h\u0259cmi 32% artaraq 457 milyon manat\u0131 \u00f6t\u00fcb v\u0259 kredit portfelind\u0259ki pay\u0131 41%-\u0259 \u00e7at\u0131b. \u00dcmumi kredit portfeli is\u0259 123 milyon manat art\u0131b.<\/p>\n\n\n

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Strateji inki\u015faf \u00e7\u0259r\u00e7iv\u0259sind\u0259 r\u0259q\u0259msal transformasiyaya x\u00fcsusi diqq\u0259t yetir\u0259n Unibank, Leobank layih\u0259si il\u0259 ki\u00e7ik v\u0259 mikro sahibkarlar \u00fc\u00e7\u00fcn tam r\u0259q\u0259msal m\u0259hsul t\u0259qdim edib. Bu yenilik biznes m\u00fc\u015ft\u0259ril\u0259rin\u0259 banka g\u0259lm\u0259d\u0259n hesab a\u00e7maq, \u0259m\u0259liyyatlar aparmaq v\u0259 kredit \u0259ld\u0259 etm\u0259k imkan\u0131 verib. Haz\u0131rda bank \u0259m\u0259liyyatlar\u0131n\u0131n 73%-d\u0259n \u00e7oxu r\u0259q\u0259msal kanallar vasit\u0259sil\u0259 h\u0259yata ke\u00e7irilir. R\u0259q\u0259msal kanallar \u00fcz\u0259rind\u0259n apar\u0131lan biznes \u0259m\u0259liyyatlar\u0131n\u0131n say\u0131 \u00f6t\u0259n d\u00f6vrl\u0259 m\u00fcqayis\u0259d\u0259 14% art\u0131b.<\/p>\n\n\n\n

Na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n inki\u015faf\u0131 da davam edib. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 24%, say\u0131 is\u0259 30% art\u0131b. T\u0259kc\u0259 ilk r\u00fcbd\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 3,2 milyard manat\u0131, say\u0131 is\u0259 99 milyonu \u00f6t\u00fcb.<\/p>\n\n\n\n

Bank\u0131n m\u00fc\u015ft\u0259ri bazas\u0131 \u00f6t\u0259n il il\u0259 m\u00fcqayis\u0259d\u0259 12% artaraq, \u00fcmumi m\u00fc\u015ft\u0259ri say\u0131 2 milyon 86 min n\u0259f\u0259ri ke\u00e7ib. Sahibkar m\u00fc\u015ft\u0259ril\u0259rin say\u0131 33%, h\u00fcquqi \u015f\u0259xsl\u0259rin say\u0131 is\u0259 20% y\u00fcks\u0259lib. Depozit portfeli d\u0259 sabit art\u0131m n\u00fcmayi\u015f etdirib v\u0259 m\u00fcdd\u0259tli depozitl\u0259rin h\u0259cmi 40 milyon manat artaraq, \u00fcmumi depozit portfeli 1,2 milyard manat\u0131 ke\u00e7ib.<\/p>\n\n\n\n

Faiz v\u0259 qeyri-faiz g\u0259lirl\u0259rinin c\u0259mi 85 milyon manat olub. D\u00f6vr \u0259rzind\u0259 Bank, r\u0259q\u0259msal v\u0259 dayan\u0131ql\u0131 inki\u015faf strategiyas\u0131na uy\u011fun olaraq investisiyalara \u0259h\u0259miyy\u0259tli diqq\u0259t ay\u0131r\u0131b. Bu investisiyalar, p\u0259rak\u0259nd\u0259 portfelin yenid\u0259n formala\u015fd\u0131r\u0131lmas\u0131 v\u0259 yeni likvidlik t\u0259l\u0259bl\u0259rin\u0259 uy\u011funla\u015fma n\u0259tic\u0259sind\u0259 yaranan y\u00fcks\u0259k faiz x\u0259rcl\u0259ri il\u0259 birlikd\u0259 q\u0131sam\u00fcdd\u0259tli \u0259m\u0259liyyat m\u0259nf\u0259\u0259tliliyin\u0259 t\u0259sir edib. Hesabat d\u00f6vr\u00fcnd\u0259 \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 12 milyon manat, vergid\u0259n \u0259vv\u0259l m\u0259nf\u0259\u0259t is\u0259 3,6 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

Bank\u0131n kapital v\u0259 aktiv bazas\u0131nda art\u0131m davam edib. M\u0259cmu kapital 10%-d\u0259n \u00e7ox artaraq 180 milyon manata \u00e7at\u0131b, aktivl\u0259rin h\u0259cmi is\u0259 14% artaraq 1,8 milyard manat\u0131 \u00f6t\u00fcb.<\/p>\n\n\n\n

Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov <\/strong>bildirib: \u201c2025-ci ilin ilk r\u00fcb\u00fcnd\u0259 r\u0259q\u0259msal yenilikl\u0259r v\u0259 dayan\u0131ql\u0131 maliyy\u0259 t\u0259\u015f\u0259bb\u00fcsl\u0259rimizl\u0259 yeni strateji vizyonumuza uy\u011fun \u0259h\u0259miyy\u0259tli ir\u0259lil\u0259yi\u015fl\u0259r \u0259ld\u0259 etmi\u015fik. Bank\u0131m\u0131z dayan\u0131ql\u0131 maliyy\u0259 prinsipl\u0259rin\u0259 uy\u011fun layih\u0259l\u0259r h\u0259yata ke\u00e7ir\u0259r\u0259k, \u00f6lk\u0259mizin ekoloji h\u0259d\u0259fl\u0259rin\u0259 d\u0259st\u0259k verir. X\u00fcsusil\u0259, ya\u015f\u0131l istiqrazlar vasit\u0259sil\u0259 maliyy\u0259l\u0259\u015fdiril\u0259n hibrid avtomobil layih\u0259si illik 340 ton karbon emissiyas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 alma\u011fa imkan yaradacaq. Unibank art\u0131q yeni d\u00f6vr\u00fcn imperativl\u0259rin\u0259 uy\u011fun olaraq yeni strateji bax\u0131\u015f\u0131n bir hiss\u0259si olan dayan\u0131ql\u0131l\u0131q yana\u015fmam\u0131z\u0131n yax\u0131n g\u00fcnl\u0259rd\u0259 ictimaiyy\u0259tl\u0259 b\u00f6l\u00fc\u015f\u00fclm\u0259sini planla\u015fd\u0131r\u0131r.Yenil\u0259n\u0259n strateji bax\u0131\u015f\u0131m\u0131z \u00e7\u0259r\u00e7iv\u0259sind\u0259 ilin sonunad\u0259k bir s\u0131ra b\u00f6y\u00fck layih\u0259l\u0259rin d\u0259 realla\u015fd\u0131r\u0131lmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tuturuq. Bu layih\u0259l\u0259rin i\u00e7\u0259risind\u0259 Leobank-la ba\u011fl\u0131 m\u00fch\u00fcm yenilikl\u0259r var. Qar\u015f\u0131da bizi h\u0259m yeni f\u00fcrs\u0259tl\u0259r, h\u0259m d\u0259 \u00e7a\u011f\u0131r\u0131\u015flar g\u00f6zl\u0259yir.\u201d<\/p>\n\n\n\n

Unibank \u2013 S\u0259nin Bank\u0131n!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Unibank 2025-ci ilin ilk r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b Unibank 2025-ci ilin birinci r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b, biznes kreditl\u0259\u015fm\u0259si, r\u0259q\u0259msalla\u015fma v\u0259 m\u00fc\u015ft\u0259ri bazas\u0131n\u0131n geni\u015fl\u0259nm\u0259si sah\u0259l\u0259rind\u0259 m\u00fch\u00fcm u\u011furlara imza at\u0131b. Bank\u0131n strateji h\u0259d\u0259fl\u0259rin\u0259 uy\u011fun olaraq biznes kreditl\u0259rinin…<\/p>\n","protected":false},"author":2,"featured_media":8994,"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\/35105"}],"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=35105"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/35105\/revisions"}],"predecessor-version":[{"id":35106,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/35105\/revisions\/35106"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/8994"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}