{"id":41354,"date":"2025-10-14T04:00:00","date_gmt":"2025-10-14T01:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=41354"},"modified":"2025-10-14T18:25:40","modified_gmt":"2025-10-14T15:25:40","slug":"unibank-2025-ci-il-ucuncu-rubun-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99rini-aciqlayib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=41354","title":{"rendered":"Unibank 2025-ci il \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b"},"content":{"rendered":"\n

Unibank 2025-ci il \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b<\/strong><\/p>\n\n\n\n

Unibank Kommersiya Bank\u0131 2025-ci ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b. Bank\u0131n \u0259sas maliyy\u0259 n\u0259tic\u0259l\u0259ri \u00fczr\u0259 ilin \u0259vv\u0259lind\u0259n qeyd\u0259 al\u0131nan art\u0131m, 3-c\u00fc r\u00fcb \u0259rzind\u0259 d\u0259 davam edib. Bank hesabat d\u00f6vr\u00fcnd\u0259 \u00f6lk\u0259nin real iqtisadiyyat\u0131na t\u00f6hf\u0259nin art\u0131r\u0131lmas\u0131, na\u011fds\u0131z d\u00f6vriyy\u0259nin y\u00fcks\u0259ldilm\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 n\u0259tic\u0259l\u0259r \u0259ld\u0259 edib.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fcnd\u0259 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\u0259ltm\u0259kd\u0259 davam edib.\u00a0 Bel\u0259 ki, \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 biznes kreditl\u0259rinin h\u0259cmi 25%-d\u0259n \u00e7ox artaraq, 510 milyon manata yax\u0131nla\u015f\u0131b. Biznes portfelin t\u0259rkibind\u0259 ki\u00e7ik biznes\u0259 verilmi\u015f kreditl\u0259rin d\u0259 pay\u0131nda ciddi art\u0131m olub. 2024-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bu kreditl\u0259rin portfeld\u0259ki pay\u0131nda 43 %-lik art\u0131m qeyd\u0259 al\u0131n\u0131b. Bank\u0131n \u00fcmumi kredit portfelind\u0259 \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 qeyd\u0259 al\u0131nan art\u0131m is\u0259 112 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n

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Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259ti s\u0259drinin v\u0259zif\u0259sini m\u00fcv\u0259qq\u0259ti icra ed\u0259n Heyb\u0259t Q\u0259dirov bildirib: <\/strong>Bottom of Form<\/p>\n\n\n\n

 \u201c2025-ci ilin 3-c\u00fc r\u00fcb\u00fc Unibank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 n\u0259tic\u0259l\u0259ri il\u0259 yadda qald\u0131. <\/strong>Bank\u0131n kapital v\u0259 aktiv bazas\u0131nda y\u00fcks\u0259k art\u0131m qeyd\u0259 al\u0131n\u0131b. M\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc yana\u015fmam\u0131z, r\u0259q\u0259msal bank\u00e7\u0131l\u0131q h\u0259ll\u0259rinin geni\u015fl\u0259ndirilm\u0259si v\u0259 daxili idar\u0259etm\u0259 prosesl\u0259rind\u0259 davaml\u0131 optimalla\u015fd\u0131rmalar n\u0259tic\u0259sind\u0259 strateji inki\u015faf istiqam\u0259tl\u0259rimizi daha da m\u00f6hk\u0259ml\u0259ndirdik. Unibank \u00f6lk\u0259nin real iqtisadiyyat\u0131na d\u0259st\u0259yini daha da art\u0131raraq, x\u00fcsusil\u0259 ki\u00e7ik v\u0259 orta sahibkarl\u0131\u011f\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 f\u0259all\u0131\u011f\u0131n\u0131 g\u00fccl\u0259ndirib. Qar\u015f\u0131m\u0131zdak\u0131 d\u00f6vrd\u0259 \u0259sas m\u0259qs\u0259dimiz \u2014 innovativ, \u015f\u0259ffaf v\u0259 inkl\u00fcziv maliyy\u0259 m\u00fchiti formala\u015fd\u0131rmaqla, h\u0259m m\u00fc\u015ft\u0259ril\u0259rimiz, h\u0259m d\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131 \u00fc\u00e7\u00fcn uzunm\u00fcdd\u0259tli d\u0259y\u0259r yaratmaqd\u0131r.<\/em>\u201d<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fcnd\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmind\u0259 v\u0259 say\u0131nda y\u00fcks\u0259k art\u0131m qeyd\u0259 al\u0131n\u0131b. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 23%, say\u0131 is\u0259 29 % art\u0131b. \u00dc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn sonuna na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n h\u0259cmi 10,9 milyard manat\u0131, say\u0131 is\u0259 337 milyonu \u00f6t\u00fcb.<\/p>\n\n\n\n

Bank\u0131n m\u00fc\u015ft\u0259ri bazas\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 10 % artd\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u00fcmumi m\u00fc\u015ft\u0259ri say\u0131 2,2 milyon n\u0259f\u0259ri ke\u00e7ib. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 sahibkar m\u00fc\u015ft\u0259ril\u0259rin say\u0131 36 %, h\u00fcquqi \u015f\u0259xsl\u0259rin say\u0131 is\u0259 17 %-d\u0259k art\u0131b.<\/p>\n\n\n\n

D\u00f6vr \u0259rzind\u0259 depozit portfeli d\u0259 sabit art\u0131m n\u00fcmayi\u015f etdirib v\u0259 m\u00fcdd\u0259tli depozitl\u0259rin h\u0259cminin 60 milyon manat artmas\u0131 fonunda, \u00fcmumi depozit portfelinin h\u0259cmi 1,2 milyard manat\u0131 \u00f6t\u00fcb.<\/p>\n\n\n\n

Bank\u0131n m\u0259cmu g\u0259lirl\u0259rinin c\u0259mi 277 milyon manata \u00e7at\u0131b. Bu \u0259vv\u0259lki ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 20 milyon manat art\u0131m dem\u0259kdir. Hesabat d\u00f6vr\u00fcnd\u0259 \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 42 milyon manat olub, xalis m\u0259nf\u0259\u0259t is\u0259 15,4 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

Bank\u0131n kapital v\u0259 aktiv bazas\u0131nda y\u00fcks\u0259k art\u0131m qeyd\u0259 al\u0131n\u0131b. M\u0259cmu kapital 33% artaraq, 224 milyon manata \u00e7at\u0131b, aktivl\u0259rin h\u0259cmi is\u0259 192 milyon manat artaraq 1,9 milyard manat\u0131 \u00f6t\u00fcb.<\/p>\n\n\n\n

Bank ilk 9 ay\u0131 \u0259rzind\u0259 kapital adekvatl\u0131l\u0131\u011f\u0131 \u0259msal\u0131n\u0131 da y\u00fcks\u0259ldib. Bu g\u00f6st\u0259rici 30 sentyabr 2025-ci il tarix\u0259 14,74 % t\u0259\u015fkil edib.<\/p>\n\n\n\n

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

Unibank 2025-ci il \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b Unibank Kommersiya Bank\u0131 2025-ci ilin \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b. Bank\u0131n \u0259sas maliyy\u0259 n\u0259tic\u0259l\u0259ri \u00fczr\u0259 ilin \u0259vv\u0259lind\u0259n qeyd\u0259 al\u0131nan art\u0131m, 3-c\u00fc r\u00fcb \u0259rzind\u0259 d\u0259 davam edib. Bank…<\/p>\n","protected":false},"author":2,"featured_media":38400,"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\/41354"}],"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=41354"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/41354\/revisions"}],"predecessor-version":[{"id":41355,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/41354\/revisions\/41355"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/38400"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}