{"id":4375,"date":"2022-10-19T15:26:00","date_gmt":"2022-10-19T12:26:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=4375"},"modified":"2022-10-19T17:30:24","modified_gmt":"2022-10-19T14:30:24","slug":"accessbank-kob-v%c9%99-fiziki-s%c9%99xsl%c9%99r-ucun-yeni-kredit-x%c9%99tti","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=4375","title":{"rendered":"AccessBank KOB v\u0259 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn yeni kredit x\u0259tti"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>AccessBank KOB v\u0259 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn yeni kredit x\u0259tti yaratma\u011f\u0131 planla\u015fd\u0131r\u0131r<\/strong><\/p>\n\n\n\n<p>AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri Davit Tsiklauri Trend-\u0259 m\u00fcsahib\u0259sind\u0259 bildirib ki, Bank\u0131n \u00fcmumi kredit portfeli 2022-ci ilin sentyabr ay\u0131na 765 milyon manat (450 milyon AB\u015e dollar\u0131) t\u0259\u015fkil edib. G\u00f6st\u0259rici ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 25% art\u0131b.<\/p>\n\n\n\n<p>&#8220;Kredit portfelimiz mikro, riteyl, ki\u00e7ik v\u0259 orta biznes seqmentl\u0259rin\u0259 b\u00f6l\u00fcn\u00fcb. T\u0259qribi 475 milyon manat (279,4 milyon dollar) portfell\u0259 Az\u0259rbaycan\u0131n mikro-k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 kreditl\u0259\u015fm\u0259si bazar\u0131nda liderik. Mikrokredit portfelimizin \u00fc\u00e7d\u0259 biri, y\u0259ni 175 milyon manat (102,9 milyon dollar) k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 kreditl\u0259\u015fm\u0259sinin pay\u0131na d\u00fc\u015f\u00fcr\u201d, &#8211; dey\u0259 S\u0259dr bildirib.<\/p>\n\n\n\n<p>&#8220;AccessBank \u00f6t\u0259n ild\u0259n fiziki \u015f\u0259xsl\u0259r\u0259 kredit verilm\u0259sini art\u0131r\u0131b. Haz\u0131rda portfelin t\u0259xmin\u0259n 20%-ni, y\u0259ni t\u0259xmin\u0259n 150 milyon manat (88,2 milyon dollar) onlar\u0131n pay\u0131na d\u00fc\u015f\u00fcr. Bundan ba\u015fqa, bank f\u0259rdi \u0259man\u0259tl\u0259rin c\u0259lb edilm\u0259sind\u0259 d\u0259 f\u0259al rol oynay\u0131r.\u201d, &#8211; dey\u0259 Tsiklauri \u0259lav\u0259 edib. \u201cBiz fiziki \u015f\u0259xsl\u0259rin bank\u0131m\u0131zda \u0259man\u0259t yerl\u0259\u015fdirm\u0259si v\u0259 na\u011fd kredit \u0259ld\u0259 etm\u0259si il\u0259 yana\u015f\u0131, h\u0259m d\u0259 b\u00fct\u00fcn z\u0259ruri bank \u0259m\u0259liyyatlar\u0131n\u0131 m\u0259hz biziml\u0259 h\u0259yata ke\u00e7irm\u0259l\u0259ri \u00fc\u00e7\u00fcn laz\u0131mi \u015f\u0259raiti yaratma\u011f\u0131 planla\u015fd\u0131r\u0131r\u0131q\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"834\" height=\"1024\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-834x1024.jpg\" alt=\"\" class=\"wp-image-4376\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-834x1024.jpg 834w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-244x300.jpg 244w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-768x943.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-1251x1536.jpg 1251w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank-360x442.jpg 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/10\/Davit-Tsiklauri_AccessBank.jpg 1466w\" sizes=\"(max-width: 834px) 100vw, 834px\" \/><\/figure>\n\n\n\n<p>\u201cKredit portfelimiz illik, r\u00fcbl\u00fck v\u0259 ayl\u0131q olaraq art\u0131r. 2022-ci ilin avqustunda portfelimizin h\u0259cmi 2021-ci ilin eyni ay\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 t\u0259xmin\u0259n 40% art\u0131b. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, kreditl\u0259r\u0259 t\u0259l\u0259bat bu ilin sonuna q\u0259d\u0259r artmaqda davam ed\u0259c\u0259k v\u0259 2023-c\u00fc ild\u0259 d\u0259 azalmayacaq.\u201d<\/p>\n\n\n\n<p>\u201cYax\u0131n g\u0259l\u0259c\u0259kd\u0259 yerli bazarda ki\u00e7ik biznesin kreditl\u0259\u015fm\u0259sin\u0259 t\u0259sir ed\u0259 bil\u0259c\u0259k h\u0259r hans\u0131sa risk g\u00f6rm\u00fcr\u00fck. Bununla yana\u015f\u0131, h\u0259r g\u00fcn d\u0259yi\u015f\u0259n qlobal makroiqtisadi v\u0259 geosiyasi situasiyalar\u0131 diqq\u0259tl\u0259 izl\u0259yirik v\u0259 xarici riskl\u0259rin say\u0131 artd\u0131qca strategiyam\u0131z\u0131 da bunlara uy\u011funla\u015fd\u0131r\u0131r\u0131q\u201d, -dey\u0259 D.Tsiklauri vur\u011fulay\u0131b.<\/p>\n\n\n\n<p>O, h\u0259m\u00e7inin qeyd edib ki, AccessBank h\u0259r ay 5000-7000 (10000 manat v\u0259 ya 5880 dollardan az olmayan) mikrokredit verir: \u201cBank\u0131m\u0131z\u0131n \u00f6lk\u0259 \u00fczr\u0259 29 filial\u0131 var v\u0259 ayda 7 min kreditin verilm\u0259si \u00e7ox y\u00fcks\u0259k g\u00f6st\u0259ricidir. Biz b\u00f6lg\u0259l\u0259rd\u0259 \u00e7ox f\u0259al\u0131q. M\u0259s\u0259l\u0259n, hesablamalar\u0131m\u0131za \u0259sas\u0259n, mikrokredit bazar\u0131n\u0131n 50-60%-i AccessBank-\u0131n regionlar\u0131ndak\u0131 filiallar\u0131n\u0131n, 20%-i is\u0259 Ab\u015feron filiallar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcr.\u201c<\/p>\n\n\n\n<p>Bununla yana\u015f\u0131, \u0130dar\u0259 Hey\u0259tinin s\u0259dri bildirib ki, AccessBank-\u0131n devalvasiya d\u00f6vr\u00fcnd\u0259n qalan qeyri-i\u015fl\u0259k kreditl\u0259ri (Q\u0130K) 2022-ci ilin sonuna kimi minimum s\u0259viyy\u0259y\u0259 endiril\u0259c\u0259k:&#8221;2015-2017-ci ill\u0259rd\u0259 devalvasiyalar v\u0259 2020-ci ild\u0259 COVID-19 pandemiyas\u0131 zaman\u0131 i\u015fg\u00fczar aktivlik z\u0259ifl\u0259di. Bank\u0131m\u0131z\u0131n balans\u0131ndak\u0131 Q\u0130K-l\u0259rin \u0259ks\u0259riyy\u0259ti bu d\u00f6vrl\u0259rd\u0259 azald\u0131. Haz\u0131rda 2015-2017-ci ill\u0259rd\u0259 v\u0259 pandemiya d\u00f6vr\u00fcnd\u0259 probleml\u0259rl\u0259 \u00fczl\u0259\u015fmi\u015f m\u00fc\u015ft\u0259ril\u0259rl\u0259 f\u0259al i\u015fl\u0259yirik. Diqq\u0259t\u0259layiqdir ki, bank\u0131m\u0131z\u0131n Q\u0130K portfeli 2019-cu ild\u0259n ba\u015flayaraq azalma\u011fa ba\u015flay\u0131b v\u0259 haz\u0131rda dem\u0259k olar ki, 3 d\u0259f\u0259 azal\u0131b. B\u00fct\u00fcn banklar Q\u0130K probleminin h\u0259llind\u0259 b\u00f6y\u00fck ir\u0259lil\u0259yi\u015f oldu\u011funu g\u00f6st\u0259rir v\u0259 inan\u0131ram ki, buna iqtisadiyyat\u0131n sabitl\u0259\u015fm\u0259si v\u0259 Az\u0259rbaycan\u0131n yax\u015f\u0131 makroiqtisadi g\u00f6st\u0259ricil\u0259ri t\u0259sir edir.\u201d<\/p>\n\n\n\n<p>Bank\u0131n g\u0259l\u0259c\u0259k planlar\u0131ndan dan\u0131\u015fark\u0259n, S\u0259dr mikro biznes v\u0259 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn yeni kredit x\u0259ttinin yarad\u0131lmas\u0131, prosesl\u0259rin v\u0259 bank xidm\u0259tl\u0259rinin daha da r\u0259q\u0259msalla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 i\u015fl\u0259rin g\u00f6r\u00fcld\u00fcy\u00fcn\u00fc deyib:\u201cR\u0259q\u0259msal kommunikasiya kanallar\u0131m\u0131z\u0131 t\u0259kmill\u0259\u015fdirm\u0259y\u0259 \u00e7al\u0131\u015faca\u011f\u0131q. Bank\u0131n m\u00fct\u0259x\u0259ssisl\u0259ri f\u0259rdi sahibkarlara mikrokreditl\u0259rin, fiziki \u015f\u0259xsl\u0259r\u0259 is\u0259 kreditl\u0259rin verilm\u0259si prosesinin sad\u0259l\u0259\u015fdirilm\u0259si v\u0259 avtomatla\u015fd\u0131r\u0131lmas\u0131 \u00fcz\u0259rind\u0259 i\u015fl\u0259yir. Biz bu istiqam\u0259td\u0259 b\u00f6y\u00fck i\u015fl\u0259r g\u00f6rm\u00fc\u015f\u00fck v\u0259 g\u0259l\u0259c\u0259kd\u0259 d\u0259 davam etdir\u0259y\u0259cik, \u00e7\u00fcnki elektron xidm\u0259tl\u0259r prosesl\u0259rin daim yenil\u0259nm\u0259sini v\u0259 modernl\u0259\u015fdirilm\u0259sini t\u0259l\u0259b edir. Biznes m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn avtomatla\u015fd\u0131rma layih\u0259l\u0259ri il\u0259 yana\u015f\u0131, fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bank xidm\u0259tl\u0259rinin v\u0259 m\u0259hsullar\u0131n\u0131n r\u0259q\u0259msalla\u015fd\u0131r\u0131lmas\u0131 istiqam\u0259tind\u0259 d\u0259 i\u015fl\u0259r apar\u0131l\u0131r. Bizim \u00f6z\u0259l sektor \u00fc\u00e7\u00fcn mobil v\u0259 veb-bankinq xidm\u0259timiz var. Bundan ba\u015fqa, m\u00fct\u0259x\u0259ssisl\u0259rimiz fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bank xidm\u0259tl\u0259rinin r\u0259q\u0259msalla\u015fd\u0131r\u0131lmas\u0131, o c\u00fcml\u0259d\u0259n alternativ xidm\u0259t v\u0259 d\u0259st\u0259k kanallar\u0131n\u0131n g\u00f6st\u0259rilm\u0259sinin inki\u015faf\u0131 strategiyas\u0131n\u0131 haz\u0131rlay\u0131blar. N\u00f6vb\u0259ti ild\u0259 z\u0259ruri hesab etdiyimiz b\u00fct\u00fcn xidm\u0259t kanallar\u0131n\u0131 tam \u015f\u0259kild\u0259 t\u0259qdim etm\u0259yi planla\u015fd\u0131r\u0131r\u0131q\u201d, dey\u0259 Davit Tsiuklauri bildirib.<\/p>\n\n\n\n<p>O, h\u0259m\u00e7inin qeyd edib ki, AccessBank \u00f6d\u0259ni\u015f m\u0259hsullar\u0131n\u0131n t\u0259kmill\u0259\u015fdirilm\u0259si \u00fcz\u0259rind\u0259 d\u0259 i\u015fl\u0259yir:\u201cBank, ApplePay v\u0259 GooglePay \u00f6d\u0259ni\u015f \u00fcsullar\u0131n\u0131 m\u00fcmk\u00fcn q\u0259d\u0259r tez istifad\u0259y\u0259 verm\u0259k \u00fc\u00e7\u00fcn \u0259m\u0259liyyat t\u0259r\u0259fda\u015f\u0131 il\u0259 i\u015fl\u0259yir. Bu xidm\u0259ti m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 tam \u015f\u0259kild\u0259 t\u0259dqim ed\u0259 bilm\u0259yimiz \u00fc\u00e7\u00fcn Bank\u0131n i\u015fl\u0259diyi \u0259m\u0259liyyat m\u0259rk\u0259zi m\u00fcvafiq infrastruktur yarad\u0131r. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu i\u015f h\u0259m t\u0259r\u0259fda\u015f\u0131m\u0131z, h\u0259m d\u0259 AccessBank t\u0259r\u0259find\u0259n 2023-c\u00fc ilin birinci r\u00fcb\u00fcnd\u0259 tam yekunla\u015facaq\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>AccessBank KOB v\u0259 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn yeni kredit x\u0259tti yaratma\u011f\u0131 planla\u015fd\u0131r\u0131r AccessBank-\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri Davit Tsiklauri Trend-\u0259 m\u00fcsahib\u0259sind\u0259 bildirib ki, Bank\u0131n \u00fcmumi kredit portfeli 2022-ci ilin sentyabr ay\u0131na 765 milyon manat (450 milyon AB\u015e&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4376,"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\/4375"}],"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=4375"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/4375\/revisions"}],"predecessor-version":[{"id":4377,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/4375\/revisions\/4377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/4376"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}