{"id":41594,"date":"2025-10-21T01:00:00","date_gmt":"2025-10-20T22:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=41594"},"modified":"2025-10-21T11:44:14","modified_gmt":"2025-10-21T08:44:14","slug":"unibank-2024-dayaniqliliq-hesabatini-t%c9%99qdim-edib-yasil-maliyy%c9%99-v%c9%99-inkluziv-inkisaf-ili","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=41594","title":{"rendered":"Unibank \u201c2024 Dayan\u0131ql\u0131l\u0131q Hesabat\u0131\u201dn\u0131 t\u0259qdim edib: Ya\u015f\u0131l maliyy\u0259 v\u0259 inkl\u00fcziv inki\u015faf ili"},"content":{"rendered":"\n

Unibank \u201c2024 Dayan\u0131ql\u0131l\u0131q Hesabat\u0131\u201dn\u0131 t\u0259qdim edib: Ya\u015f\u0131l maliyy\u0259 v\u0259 inkl\u00fcziv inki\u015faf ili<\/strong><\/p>\n\n\n\n

Unibank \u00f6z\u00fcn\u00fcn ilk \u201c2024 Dayan\u0131ql\u0131l\u0131q Hesabat\u0131n\u0131\u201d<\/strong> ictimaiyy\u0259t\u0259 t\u0259qdim edib. S\u0259n\u0259d bank\u0131n ES\u0130 prinsipl\u0259rin\u0259 \u0259saslanan idar\u0259etm\u0259 modelini, ya\u015f\u0131l maliyy\u0259l\u0259\u015fdirm\u0259 t\u0259\u015f\u0259bb\u00fcsl\u0259rini, sosial v\u0259 r\u0259q\u0259msal inki\u015faf g\u00f6st\u0259ricil\u0259rini v\u0259 iqtisadi tendensiyalara dair analitik qiym\u0259tl\u0259ndirm\u0259sini \u00f6z\u00fcnd\u0259 birl\u0259\u015fdirir (https:\/\/unibank.az\/az\/sustain\/view\/1393<\/a>) .<\/p>\n\n\n

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Hesabatda qeyd olunur ki, 2024-c\u00fc il qlobal maliyy\u0259 sektoru \u00fc\u00e7\u00fcn m\u00fcr\u0259kk\u0259b, lakin d\u0259yi\u015fimin s\u00fcr\u0259tl\u0259ndiyi d\u00f6vr olub. D\u00fcnya iqtisadiyyat\u0131nda inflyasiya t\u0259zyiql\u0259ri, enerji ke\u00e7idi v\u0259 s\u00fcni intellekt texnologiyalar\u0131n\u0131n artan rolu \u0259sas tendensiyalar kimi qiym\u0259tl\u0259ndirilib. Az\u0259rbaycan iqtisadiyyat\u0131 is\u0259 bu \u015f\u0259raitd\u0259 dayan\u0131ql\u0131l\u0131q v\u0259 \u015fax\u0259l\u0259nm\u0259 g\u00f6st\u0259ricil\u0259rin\u0259 g\u00f6r\u0259 regionda f\u0259rql\u0259nib. Qeyri-neft sektoru \u00fczr\u0259 art\u0131m, ya\u015f\u0131l enerji zonalar\u0131n\u0131n inki\u015faf\u0131 v\u0259 COP29-un Bak\u0131da ke\u00e7irilm\u0259si \u00f6lk\u0259d\u0259 iqtisadi kursu davaml\u0131 m\u00f6hk\u0259ml\u0259ndirib.<\/p>\n\n\n\n

\u201cUnibank\u201d\u0131n Dayan\u0131ql\u0131l\u0131q Hesabat\u0131 GRI standartlar\u0131na uy\u011fun haz\u0131rlan\u0131b v\u0259 BMT-nin Dayan\u0131ql\u0131 \u0130nki\u015faf M\u0259qs\u0259dl\u0259rin\u0259 y\u00f6n\u0259lmi\u015f f\u0259aliyy\u0259tl\u0259ri \u0259hat\u0259 edir. Hesabatda g\u00f6st\u0259rilir ki, 2024-c\u00fc il Unibank \u00fc\u00e7\u00fcn transformasiya ili olub. Bank Az\u0259rbaycan\u0131n ilk qabaqc\u0131l beyn\u0259lxalq standartlara uy\u011fun, ya\u015f\u0131l istiqraz kimi t\u0259snifatla\u015fd\u0131r\u0131la bil\u0259n qiym\u0259tli ka\u011f\u0131zlar\u0131n\u0131 (20 milyon AZN) buraxaraq \u00f6lk\u0259d\u0259 ya\u015f\u0131l maliyy\u0259 bazar\u0131na t\u00f6hf\u0259sini verib.<\/p>\n\n\n\n

\u0130l \u0259rzind\u0259 \u201cUnibank\u201d\u0131n kredit portfeli 107 milyon AZN art\u0131b, biznes kreditl\u0259rinin portfeld\u0259 pay\u0131 40%-\u0259 \u00e7at\u0131b. Bank regionlarda maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 geni\u015fl\u0259ndir\u0259r\u0259k mikrokreditl\u0259rin 70%-ni region m\u00fc\u015ft\u0259ril\u0259rin\u0259, 30%-ni is\u0259 qad\u0131n sahibkarlara t\u0259qdim edib.<\/p>\n\n\n\n

R\u0259q\u0259msal bank\u00e7\u0131l\u0131q sah\u0259sind\u0259 d\u0259 ciddi ir\u0259lil\u0259yi\u015fl\u0259r \u0259ld\u0259 olunub: r\u0259q\u0259msal istifad\u0259 g\u00f6st\u0259ricisi 19,3% art\u0131b, Leobank ekosistemi geni\u015fl\u0259nib v\u0259 1,7 milyon r\u0259q\u0259msal istifad\u0259\u00e7i qeyd\u0259 al\u0131n\u0131b. M\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tini \u00f6l\u00e7\u0259n NPS g\u00f6st\u0259ricisi 13,3% artaraq, m\u00fc\u015ft\u0259ri etibar\u0131n\u0131n daha da g\u00fccl\u0259ndiyini g\u00f6st\u0259rib.<\/p>\n\n\n\n

Hesabatda h\u0259m\u00e7inin \u201cUnibank\u201d\u0131n ES\u0130 idar\u0259etm\u0259 strukturu, Sustainable Finance Framework (SFF) mexanizmi, \u00fc\u00e7 m\u00fcdafi\u0259 x\u0259tti prinsipi v\u0259 dayan\u0131ql\u0131l\u0131q \u00fczr\u0259 komit\u0259l\u0259rin f\u0259aliyy\u0259ti t\u0259qdim olunur. Bank\u0131n h\u0259m M\u00fc\u015fahid\u0259 \u015euras\u0131, h\u0259m d\u0259 \u0130dar\u0259 Hey\u0259ti yan\u0131nda dayan\u0131ql\u0131l\u0131q \u00fczr\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n komit\u0259l\u0259ri v\u0259 Dayan\u0131ql\u0131l\u0131q meneceri ES\u0130 prinsipl\u0259rinin g\u00fcnd\u0259lik q\u0259rarverm\u0259 v\u0259 \u0259m\u0259liyyatlara inteqrasiyas\u0131na n\u0259zar\u0259t edir.<\/p>\n\n\n\n

Sosial istiqam\u0259td\u0259 bank \u015f\u0259hid ail\u0259l\u0259rin\u0259 d\u0259st\u0259yini, u\u015faq evl\u0259ri \u00fc\u00e7\u00fcn ke\u00e7iril\u0259n sosial aksiyalar\u0131 v\u0259 500 a\u011fac\u0131n \u0259kildiyi ekoloji layih\u0259l\u0259ri il\u0259 c\u0259miyy\u0259t\u0259 t\u0259sirini g\u00fccl\u0259ndirib. 2024-c\u00fc ild\u0259 \u0259m\u0259kda\u015flar\u0131n 60%-i t\u0259liml\u0259rd\u0259, o c\u00fcml\u0259d\u0259n 60 n\u0259f\u0259r ESG m\u00f6vzular\u0131nda ixtisasla\u015fm\u0131\u015f t\u0259liml\u0259rd\u0259 i\u015ftirak edib.<\/p>\n\n\n\n

Unibank \u0130dar\u0259 Hey\u0259ti s\u0259drinin v\u0259zif\u0259sini m\u00fcv\u0259qq\u0259ti icra ed\u0259n Heyb\u0259t Q\u0259dirov<\/strong> qeyd edib: \u201cSabit maliyy\u0259 g\u00f6st\u0259ricil\u0259rimizl\u0259 yana\u015f\u0131, sosial \u0259dal\u0259t v\u0259 ekoloji m\u0259suliyy\u0259t prinsipl\u0259rini bank f\u0259aliyy\u0259timizin m\u0259rk\u0259zin\u0259 yerl\u0259\u015fdirmi\u015fik. Bu hesabat yaln\u0131z bu g\u00fcn harada oldu\u011fumuzu deyil, h\u0259m d\u0259 hara getdiyimizi g\u00f6st\u0259rir. O, h\u0259m ir\u0259lil\u0259yi\u015fin g\u00f6st\u0259ricisidir, h\u0259m d\u0259 dayan\u0131ql\u0131l\u0131q sah\u0259sind\u0259 hesabatl\u0131l\u0131q v\u0259 \u015f\u0259ffafl\u0131q v\u0259dimizin ifad\u0259sidir\u201d.<\/p>\n\n\n\n

Qeyd ed\u0259k ki,<\/strong> <\/strong>Unibank 2025\u20132029-cu ill\u0259ri \u0259hat\u0259 ed\u0259n geni\u015fmiqyasl\u0131 Dayan\u0131ql\u0131l\u0131q Strategiyas\u0131n\u0131 v\u0259 ona \u0259saslanan Dayan\u0131ql\u0131l\u0131q Siyas\u0259tini t\u0259sdiq edib. Bu s\u0259n\u0259dl\u0259r bank\u0131n milli prioritetl\u0259r\u0259, beyn\u0259lxalq ES\u0130 standartlar\u0131na v\u0259 bazar trendl\u0259rin\u0259 uy\u011fun uzunm\u00fcdd\u0259tli d\u0259y\u0259r yaratmaq m\u0259qs\u0259di da\u015f\u0131yan f\u0259aliyy\u0259t istiqam\u0259tl\u0259rini \u0259hat\u0259 edir.<\/p>\n\n\n\n

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

Unibank \u201c2024 Dayan\u0131ql\u0131l\u0131q Hesabat\u0131\u201dn\u0131 t\u0259qdim edib: Ya\u015f\u0131l maliyy\u0259 v\u0259 inkl\u00fcziv inki\u015faf ili Unibank \u00f6z\u00fcn\u00fcn ilk \u201c2024 Dayan\u0131ql\u0131l\u0131q Hesabat\u0131n\u0131\u201d ictimaiyy\u0259t\u0259 t\u0259qdim edib. S\u0259n\u0259d bank\u0131n ES\u0130 prinsipl\u0259rin\u0259 \u0259saslanan idar\u0259etm\u0259 modelini, ya\u015f\u0131l maliyy\u0259l\u0259\u015fdirm\u0259 t\u0259\u015f\u0259bb\u00fcsl\u0259rini, sosial v\u0259 r\u0259q\u0259msal inki\u015faf…<\/p>\n","protected":false},"author":1,"featured_media":41595,"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\/41594"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=41594"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/41594\/revisions"}],"predecessor-version":[{"id":41596,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/41594\/revisions\/41596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/41595"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}