{"id":44959,"date":"2026-02-17T03:00:00","date_gmt":"2026-02-17T00:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=44959"},"modified":"2026-02-17T10:32:11","modified_gmt":"2026-02-17T07:32:11","slug":"2025-ci-il-accessbank-ucun-sabit-artim-v%c9%99-dayaniqli-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99ri-ili-oldu","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=44959","title":{"rendered":"2025-ci il AccessBank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 n\u0259tic\u0259l\u0259ri ili oldu"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong> 2025-ci il AccessBank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 n\u0259tic\u0259l\u0259ri ili oldu<\/strong><\/p>\n\n\n\n<p><em>AccessBank-\u0131n \u0130dar\u0259 Hey\u0259ti S\u0259drinin m\u00fcavini, Ba\u015f Maliyy\u0259 \u0130nzibat\u00e7\u0131s\u0131 Orxan \u0130smay\u0131lovla m\u00fcsahib\u0259.<\/em><\/p>\n\n\n\n<ul>\n<li><strong>2025-ci ili AccessBank \u00fc\u00e7\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259ri bax\u0131m\u0131ndan nec\u0259 d\u0259y\u0259rl\u0259ndirirsiniz? \u0130lin yekunlar\u0131 il\u0259 ba\u011fl\u0131 hans\u0131 \u0259sas m\u0259qamlar\u0131 qeyd etm\u0259k ist\u0259rdiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>2025-ci il AccessBank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 g\u00f6st\u0259ricil\u0259ri il\u0259 xarakteriz\u0259 olunmu\u015fdur. Hesabat d\u00f6vr\u00fcnd\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131nda, x\u00fcsusil\u0259 qeyri-neft sektorunda m\u00fc\u015fahid\u0259 olunan 2.7%-lik real art\u0131m maliyy\u0259 sektorunun f\u0259aliyy\u0259tin\u0259 m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rmi\u015f, bank\u0131n \u0259m\u0259liyyat v\u0259 biznes g\u00f6st\u0259ricil\u0259rind\u0259 art\u0131m dinamikas\u0131n\u0131 d\u0259st\u0259kl\u0259mi\u015fdir.<\/p>\n\n\n\n<p>Hesabat ili \u0259rzind\u0259 Bank\u0131n \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259ri m\u00fcsb\u0259t dinamika n\u00fcmayi\u015f etdirmi\u015fdir. Aktivl\u0259r \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 19.2% v\u0259 ya 285 mln manat artaraq 1.8 mlrd manat t\u0259\u015fkil etmi\u015fdir. Kredit portfeli 15.9% art\u0131m g\u00f6st\u0259r\u0259r\u0259k 1.3 mlrd manat\u0131 \u00f6t\u00fcb. C\u0259mi \u00f6hd\u0259likl\u0259r 17.9% artaraq 1.5 mlrd manat s\u0259viyy\u0259sin\u0259 \u00e7atm\u0131\u015fd\u0131r. Depozit portfeli 1.1 mlrd manat olmu\u015f, aktiv m\u00fc\u015ft\u0259ri say\u0131 is\u0259 300 mini ke\u00e7mi\u015fdir.<\/p>\n\n\n\n<p>Kredit portfelinin art\u0131m\u0131 \u0259sas\u0259n Bank\u0131n strateji prioriteti olan biznes seqmenti hesab\u0131na t\u0259min edilmi\u015fdir. Haz\u0131rda kredit portfelinin 75%-d\u0259n \u00e7oxu biznes kreditl\u0259rinin pay\u0131na d\u00fc\u015f\u00fcr. Bu istiqam\u0259td\u0259 portfel il \u0259rzind\u0259 121 mln manat artm\u0131\u015fd\u0131r. Bank mikro v\u0259 ki\u00e7ik sahibkarl\u0131\u011f\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si sah\u0259sind\u0259 bazarda liderlik m\u00f6vqeyini qoruyub saxlam\u0131\u015f, sektor \u00fczr\u0259 maliyy\u0259 institutlar\u0131n\u0131n t\u0259qdim etdiyi \u00fcmumi kredit portfelind\u0259 t\u0259xmin\u0259n 25% paya sahib olmu\u015fdur.<\/p>\n\n\n\n<p>Hesabat d\u00f6vr\u00fcnd\u0259 iri korporativ m\u00fc\u015ft\u0259ril\u0259rl\u0259 \u0259m\u0259kda\u015fl\u0131q da geni\u015fl\u0259ndirilmi\u015fdir. X\u00fcsusil\u0259, Avropa Yenid\u0259nqurma v\u0259 \u0130nki\u015faf Bank\u0131 (EBRD) il\u0259 Riskl\u0259rin B\u00f6lg\u00fcs\u00fc Mexanizmi \u00e7\u0259r\u00e7iv\u0259sind\u0259 bir s\u0131ra maliyy\u0259l\u0259\u015fdirm\u0259 layih\u0259l\u0259ri h\u0259yata ke\u00e7irilmi\u015fdir. Bu mexanizm \u00fczr\u0259 \u201cAZZA\u201d \u015firk\u0259ti il\u0259 14 mln manat, \u201cAzVirt\u201d MMC il\u0259 is\u0259 5 mln avro m\u0259bl\u0259\u011find\u0259 \u00fc\u00e7t\u0259r\u0259fli kredit m\u00fcqavil\u0259l\u0259ri ba\u011flanm\u0131\u015fd\u0131r.<\/p>\n\n\n\n<p>Beyn\u0259lxalq maliyy\u0259 institutlar\u0131 il\u0259 \u0259m\u0259kda\u015fl\u0131q 2025-ci ild\u0259 daha da intensivl\u0259\u015fmi\u015fdir. \u0130l \u0259rzind\u0259 beyn\u0259lxalq maliyy\u0259 qurumlar\u0131ndan 100 mln manatdan art\u0131q v\u0259sait c\u0259lb edilmi\u015f, \u0259lav\u0259 olaraq 10 mln AB\u015e dollar\u0131 h\u0259cmind\u0259 subordinasiya olunmu\u015f borc \u00f6hd\u0259liyi \u0259ld\u0259 edilmi\u015fdir. Bunun n\u0259tic\u0259sind\u0259 xaricd\u0259n c\u0259lb olunmu\u015f maliyy\u0259 v\u0259saitl\u0259rinin \u00fcmumi h\u0259cmi 200 mln manat\u0131 \u00f6tm\u00fc\u015fd\u00fcr.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov.jpg\" alt=\"\" class=\"wp-image-44961\" style=\"width:427px;height:auto\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov.jpg 800w, https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov-300x300.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov-150x150.jpg 150w, https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov-768x768.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2026\/02\/Orxan-Ismayilov-360x360.jpg 360w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\"><strong>Orxan \u0130smay\u0131lov<\/strong><br>AccessBank-\u0131n \u0130dar\u0259 Hey\u0259ti S\u0259drinin m\u00fcavini<br>Ba\u015f Maliyy\u0259 \u0130nzibat\u00e7\u0131s\u0131<\/figcaption><\/figure><\/div>\n\n\n<p>Maliyy\u0259 g\u00f6st\u0259ricil\u0259rin\u0259 g\u0259ldikd\u0259, faiz g\u0259lirl\u0259ri 256 mln manat t\u0259\u015fkil etmi\u015f, bu da \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 14.1% art\u0131m dem\u0259kdir. Xalis faiz g\u0259lirl\u0259ri 156 mln manat s\u0259viyy\u0259sind\u0259 olmu\u015fdur. \u018fm\u0259liyyat m\u0259nf\u0259\u0259ti 76 mln manata \u00e7atm\u0131\u015f, bu g\u00f6st\u0259rici 2024-c\u00fc ill\u0259 m\u00fcqayis\u0259d\u0259 6 mln manat art\u0131m n\u00fcmayi\u015f etdirmi\u015fdir.<\/p>\n\n\n\n<p>Bank hesabat ilini 49.1 mln manat xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurmu\u015fdur. Kapital\u0131n g\u0259lirliliyi (ROE) 25.5% t\u0259\u015fkil etmi\u015fdir. M\u0259cmu kapital 238 mln manata y\u00fcks\u0259lmi\u015fdir ki, bu da Bank\u0131n kapital m\u00f6vqeyinin v\u0259 maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131n g\u00fccl\u0259ndiyini g\u00f6st\u0259rir.<\/p>\n\n\n\n<ul>\n<li><strong>2025-ci ilin maliyy\u0259 yekunlar\u0131 AccessBank-\u0131n m\u00fc\u0259yy\u0259n etdiyi strateji h\u0259d\u0259fl\u0259rl\u0259 n\u0259 d\u0259r\u0259c\u0259d\u0259 uy\u011funluq t\u0259\u015fkil edir? \u018fvv\u0259lki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 bank\u0131n maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259 hans\u0131 \u0259sas d\u0259yi\u015fiklikl\u0259ri qeyd ed\u0259rdiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>N\u0259tic\u0259l\u0259rin t\u0259hlili g\u00f6st\u0259rir ki, Bank t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilmi\u015f strateji plan sistemli v\u0259 ard\u0131c\u0131l \u015f\u0259kild\u0259 icra edilmi\u015fdir. Strateji h\u0259d\u0259fl\u0259rin qiym\u0259tl\u0259ndirilm\u0259si q\u0131sam\u00fcdd\u0259tli n\u0259tic\u0259l\u0259rl\u0259 deyil, uzunm\u00fcdd\u0259tli dinamikan\u0131n t\u0259hlili il\u0259 daha obyektiv \u015f\u0259kild\u0259 apar\u0131l\u0131r. Bu bax\u0131mdan, m\u00fcqayis\u0259 \u00fc\u00e7\u00fcn post-pandemiya d\u00f6vr\u00fcn\u00fcn ba\u015flan\u011f\u0131c\u0131 olan 2021-ci ilin son g\u00f6st\u0259ricil\u0259ri \u0259sas g\u00f6t\u00fcr\u00fclm\u00fc\u015fd\u00fcr.<\/p>\n\n\n\n<p>2021-ci ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 Bank\u0131n \u0259sas maliyy\u0259 indikatorlar\u0131nda \u0259h\u0259miyy\u0259tli art\u0131m qeyd\u0259 al\u0131nm\u0131\u015fd\u0131r. Aktivl\u0259r t\u0259xmin\u0259n iki d\u0259f\u0259 artaraq 1.8 mlrd manata, kredit portfeli is\u0259 iki d\u0259f\u0259d\u0259n \u00e7ox artaraq 1.3 mlrd manata \u00e7atm\u0131\u015fd\u0131r. M\u0259cmu kapital 80 mln manatdan 238 mln manata y\u00fcks\u0259lmi\u015f, y\u0259ni t\u0259xmin\u0259n \u00fc\u00e7 d\u0259f\u0259 art\u0131m n\u00fcmayi\u015f etdirmi\u015fdir. Eyni d\u00f6vrd\u0259 kapital adekvatl\u0131\u011f\u0131 g\u00f6st\u0259ricisi 11.9%-d\u0259n 16.3%-\u0259 y\u00fcks\u0259lmi\u015fdir. Strateji d\u00f6vr \u0259rzind\u0259 kapital\u0131n g\u0259lirliliyi (ROE) g\u00f6st\u0259ricisi is\u0259 davaml\u0131 olaraq 20%-d\u0259n yuxar\u0131 s\u0259viyy\u0259d\u0259 qorunub saxlan\u0131lm\u0131\u015fd\u0131r.<\/p>\n\n\n\n<p>Qeyd olunan dinamika Bank\u0131n strateji prioritetl\u0259rinin d\u00fczg\u00fcn m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si v\u0259 icras\u0131n\u0131n n\u0259tic\u0259si kimi qiym\u0259tl\u0259ndiril\u0259 bil\u0259r. Bu inki\u015faf eyni zamanda riskl\u0259rin idar\u0259 olunmas\u0131 mexanizml\u0259rinin g\u00fccl\u0259ndirilm\u0259si, \u0259m\u0259liyyat s\u0259m\u0259r\u0259liliyinin art\u0131r\u0131lmas\u0131, m\u0259hsul v\u0259 xidm\u0259t portfelinin t\u0259kmill\u0259\u015fdirilm\u0259si, el\u0259c\u0259 d\u0259 m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n geni\u015fl\u0259ndirilm\u0259si istiqam\u0259tind\u0259 at\u0131lm\u0131\u015f ard\u0131c\u0131l add\u0131mlar\u0131n m\u0259ntiqi n\u0259tic\u0259sidir.<\/p>\n\n\n\n<p>Bel\u0259likl\u0259, strateji d\u00f6vr \u0259rzind\u0259 \u0259ld\u0259 edilmi\u015f n\u0259tic\u0259l\u0259r Bank\u0131n dayan\u0131ql\u0131 biznes modelini, kapital bazas\u0131n\u0131n m\u00f6hk\u0259ml\u0259nm\u0259sini v\u0259 uzunm\u00fcdd\u0259tli inki\u015faf potensial\u0131n\u0131 t\u0259sdiql\u0259yir.<\/p>\n\n\n\n<ul>\n<li><strong>\u018fld\u0259 olunan maliyy\u0259 n\u0259tic\u0259l\u0259ri bank\u0131n maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131 v\u0259 uzunm\u00fcdd\u0259tli inki\u015faf potensial\u0131 bax\u0131m\u0131ndan hans\u0131 qiym\u0259tl\u0259ndirm\u0259y\u0259 imkan verir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Bank\u0131n dayan\u0131ql\u0131l\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 m\u0259s\u0259l\u0259ni qiym\u0259tl\u0259ndir\u0259rk\u0259n, ilk n\u00f6vb\u0259d\u0259 riskl\u0259rin idar\u0259 olunmas\u0131 \u00e7\u0259r\u00e7iv\u0259sin\u0259 diqq\u0259t yetirm\u0259k vacibdir. Riskl\u0259r kontekstind\u0259 ad\u0259t\u0259n iki \u0259sas komponent n\u0259z\u0259r\u0259 al\u0131n\u0131r: g\u00f6zl\u0259nil\u0259n z\u0259r\u0259rl\u0259r v\u0259 g\u00f6zl\u0259nilm\u0259z riskl\u0259r. G\u00f6zl\u0259nil\u0259n z\u0259r\u0259rl\u0259r\u0259 qar\u015f\u0131 bank t\u0259r\u0259find\u0259n yarad\u0131lm\u0131\u015f ehtiyatlar\u0131n h\u0259cmi, g\u00f6zl\u0259nilm\u0259z riskl\u0259r\u0259 qar\u015f\u0131 is\u0259 kapital m\u00f6vqeyinin adekvatl\u0131\u011f\u0131 \u0259sas qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131 hesab olunur.<\/p>\n\n\n\n<p>Hesabat ili \u0259rzind\u0259 Bank t\u0259r\u0259find\u0259n potensial riskl\u0259r\u0259 qar\u015f\u0131 16.3 mln manat m\u0259bl\u0259\u011find\u0259 \u0259lav\u0259 ehtiyat yarad\u0131lm\u0131\u015fd\u0131r. N\u0259tic\u0259d\u0259, formala\u015fd\u0131r\u0131lm\u0131\u015f \u00fcmumi ehtiyatlar\u0131n h\u0259cmi m\u00f6vcud qeyri-i\u015fl\u0259k kreditl\u0259ri \u00fcst\u0259l\u0259mi\u015fdir. Bu g\u00f6st\u0259rici risk\u0259 m\u0259ruz qalm\u0131\u015f portfel \u00fczr\u0259 ehtiyatlanman\u0131n apar\u0131ld\u0131\u011f\u0131n\u0131 v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin bank\u0131n maliyy\u0259 sabitliyin\u0259 t\u0259sir imkanlar\u0131n\u0131n minimuma endirildiyini g\u00f6st\u0259rir.<\/p>\n\n\n\n<p>G\u00f6zl\u0259nilm\u0259z riskl\u0259r\u0259 qar\u015f\u0131 dayan\u0131ql\u0131l\u0131q is\u0259 kapital m\u00f6vqeyi il\u0259 \u00f6l\u00e7\u00fcl\u00fcr. Hesabat d\u00f6vr\u00fcn\u00fcn sonuna Bank\u0131n m\u0259cmu kapital\u0131 234.4 mln manat t\u0259\u015fkil etmi\u015f, m\u0259cmu kapital\u0131n adekvatl\u0131q \u0259msal\u0131 is\u0259 16.3%-\u0259 y\u00fcks\u0259lmi\u015fdir. N\u0259z\u0259r\u0259 alsaq ki, m\u00fcvafiq requlyativ minimum normalar m\u0259cmu kapital \u00fczr\u0259 50 mln manat, kapital adekvatl\u0131\u011f\u0131 \u0259msal\u0131 \u00fczr\u0259 is\u0259 10.5% s\u0259viyy\u0259sind\u0259 m\u00fc\u0259yy\u0259n edilmi\u015fdir, Bank\u0131n bu g\u00f6st\u0259ricil\u0259r \u00fczr\u0259 \u0259h\u0259miyy\u0259tli ehtiyat buferin\u0259 malik oldu\u011fu g\u00f6r\u00fcn\u00fcr.<\/p>\n\n\n\n<p>Formala\u015fd\u0131r\u0131lm\u0131\u015f kapital v\u0259 ehtiyat m\u00f6vqeyi Bank\u0131n riskl\u0259rin absorbsiya qabiliyy\u0259tini g\u00fccl\u0259ndirir, eyni zamanda qar\u015f\u0131dak\u0131 d\u00f6vrl\u0259rd\u0259 planla\u015fd\u0131r\u0131lm\u0131\u015f art\u0131m strategiyas\u0131n\u0131n daha dayan\u0131ql\u0131 \u0259saslar \u00fcz\u0259rind\u0259 h\u0259yata ke\u00e7irilm\u0259sin\u0259 imkan yarad\u0131r.<\/p>\n\n\n\n<ul>\n<li><strong>M\u00f6vcud maliyy\u0259 g\u00f6st\u0259ricil\u0259rini n\u0259z\u0259r\u0259 alaraq, 2026-c\u0131 il \u00fc\u00e7\u00fcn bank\u0131n \u0259sas maliyy\u0259 g\u00f6zl\u0259ntil\u0259ri n\u0259d\u0259n ibar\u0259tdir? G\u0259l\u0259n il \u00fczr\u0259 maliyy\u0259 planlamas\u0131nda daha \u00e7ox ehtiyatl\u0131 yana\u015fma, yoxsa art\u0131ma y\u00f6n\u0259l\u0259n\u00a0 strategiya \u00fcst\u00fcnl\u00fck t\u0259\u015fkil ed\u0259c\u0259k?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>N\u00f6vb\u0259ti d\u00f6vrl\u0259r \u00fczr\u0259 planla\u015fd\u0131rma prosesi h\u0259yata ke\u00e7iril\u0259rk\u0259n Az\u0259rbaycan\u0131n makroiqtisadi g\u00f6zl\u0259ntil\u0259ri, \u00f6lk\u0259nin m\u00fc\u0259yy\u0259n etdiyi iqtisadi prioritetl\u0259r, d\u00f6vl\u0259t b\u00fcdc\u0259si \u00fczr\u0259 t\u0259sdiq edilmi\u015f parametrl\u0259r v\u0259 strateji h\u0259d\u0259fl\u0259r n\u0259z\u0259r\u0259 al\u0131nm\u0131\u015fd\u0131r. M\u00f6vcud proqnozlara \u0259sas\u0259n, 2026-c\u0131 ild\u0259 iqtisadi art\u0131m\u0131n davam ed\u0259c\u0259yi, \u00fcmumi daxili m\u0259hsulun real ifad\u0259d\u0259 t\u0259xmin\u0259n 2.4%, qeyri-neft sektorunun is\u0259 4%-d\u0259n art\u0131q artaca\u011f\u0131 g\u00f6zl\u0259nilir. \u018fvv\u0259lki ill\u0259rd\u0259 oldu\u011fu kimi, art\u0131m\u0131n \u0259sas h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259sinin m\u0259hz qeyri-neft sektoru olaca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<p>Bank\u0131n biznes modelini v\u0259 investisiya portfelinin strukturunu n\u0259z\u0259r\u0259 alsaq, \u0259sas prioritet istiqam\u0259tin real sektorun, x\u00fcsusil\u0259 biznes seqmentinin maliyy\u0259l\u0259\u015fdirilm\u0259si oldu\u011fu ayd\u0131n g\u00f6r\u00fcn\u00fcr. Bu bax\u0131mdan, n\u00f6vb\u0259ti d\u00f6vr \u00fc\u00e7\u00fcn planlar\u0131m\u0131z iqtisadi f\u0259all\u0131\u011f\u0131n geni\u015fl\u0259nm\u0259si il\u0259 paralel \u015f\u0259kild\u0259 kredit portfelinin keyfiyy\u0259tli v\u0259 balansl\u0131 art\u0131m\u0131n\u0131 n\u0259z\u0259rd\u0259 tutur.<\/p>\n\n\n\n<p>Bank 2026-c\u0131 ild\u0259 d\u0259 biznes m\u00fchitinin maliyy\u0259l\u0259\u015fdirilm\u0259si vasit\u0259sil\u0259 iqtisadi art\u0131m h\u0259d\u0259fl\u0259rin\u0259 t\u00f6hf\u0259 verm\u0259yi planla\u015fd\u0131r\u0131r. X\u00fcsusil\u0259 mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131q subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n geni\u015fl\u0259ndirilm\u0259si diqq\u0259t m\u0259rk\u0259zind\u0259 saxlan\u0131lacaqd\u0131r. Bu yana\u015fma h\u0259m iqtisadi \u015fax\u0259l\u0259ndirm\u0259 siyas\u0259tin\u0259, h\u0259m d\u0259 inkl\u00fcziv maliyy\u0259l\u0259\u015fm\u0259 prinsipl\u0259rin\u0259 uy\u011fun olaraq formala\u015fd\u0131r\u0131lm\u0131\u015fd\u0131r.<\/p>\n\n\n\n<ul>\n<li><strong>2026-c\u0131 ild\u0259 AccessBank-\u0131n maliyy\u0259 inki\u015faf\u0131n\u0131 \u015f\u0259rtl\u0259ndir\u0259c\u0259k \u0259sas prioritetl\u0259ri nec\u0259 m\u00fc\u0259yy\u0259n ed\u0259rsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Bank\u0131n strateji prioritetl\u0259ri d\u0259yi\u015fm\u0259z olaraq qal\u0131r. \u018fsas inki\u015faf istiqam\u0259timiz mikro, ki\u00e7ik v\u0259 orta biznesin maliyy\u0259l\u0259\u015fdirilm\u0259sidir. M\u00f6vcud makroiqtisadi konyunktur v\u0259 qeyri-neft sektorunda m\u00fc\u015fahid\u0259 olunan art\u0131m tendensiyas\u0131 bu seqmentl\u0259rin n\u00f6vb\u0259ti d\u00f6vrd\u0259 d\u0259 geni\u015fl\u0259nm\u0259si \u00fc\u00e7\u00fcn \u0259lveri\u015fli z\u0259min yarad\u0131r. Bu bax\u0131mdan, Bank t\u0259r\u0259find\u0259n s\u00f6z\u00fcged\u0259n istiqam\u0259td\u0259 kreditl\u0259\u015fm\u0259nin balansl\u0131 v\u0259 keyfiyy\u0259tli art\u0131m\u0131 planla\u015fd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<p>Art\u0131m\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si m\u0259qs\u0259dil\u0259 beyn\u0259lxalq maliyy\u0259 institutlar\u0131 il\u0259 \u0259m\u0259kda\u015fl\u0131\u011f\u0131n geni\u015fl\u0259ndirilm\u0259si prioritet olaraq qal\u0131r. 2025-ci il xarici borclanma bax\u0131m\u0131ndan aktiv d\u00f6vr olmu\u015f, Bank xarici m\u0259nb\u0259l\u0259rd\u0259n 100 mln manat ekvivalentind\u0259n art\u0131q v\u0259sait c\u0259lb etmi\u015fdir. Hesabat ilinin sonuna \u00fcmumi xarici c\u0259lbetm\u0259l\u0259rimiz 200 mln manat ekvivalenti \u00fcz\u0259rind\u0259 olub. Eyni zamanda, il \u0259rzind\u0259 BlueOrchard Finance beyn\u0259lxalq maliyy\u0259 fondundan 10 mln AB\u015e dollar\u0131 m\u0259bl\u0259\u011find\u0259 uzunm\u00fcdd\u0259tli subordinasiya olunmu\u015f borc \u00f6hd\u0259liyi c\u0259lb edilmi\u015fdir ki, bu da Bank\u0131n kapital bazas\u0131n\u0131n \u0259lav\u0259 olaraq g\u00fccl\u0259ndirilm\u0259sin\u0259 xidm\u0259t etmi\u015fdir.<\/p>\n\n\n\n<p>2025-ci ilin avqust ay\u0131nda Va\u015finqtonda Az\u0259rbaycan, AB\u015e v\u0259 Erm\u0259nistan aras\u0131nda imzalanm\u0131\u015f \u00fc\u00e7t\u0259r\u0259fli raz\u0131la\u015fman\u0131n davam\u0131 olaraq \u00f6lk\u0259nin beyn\u0259lxalq ticar\u0259td\u0259 artan rolu, qeyri-neft sektorunda icra olunan iri layih\u0259l\u0259r v\u0259 ya\u015f\u0131l enerji istiqam\u0259tind\u0259 apar\u0131lan islahatlar Az\u0259rbaycan\u0131n xarici investorlar \u00fc\u00e7\u00fcn c\u0259lbediciliyini daha da art\u0131rm\u0131\u015fd\u0131r. Bu dinamika \u00e7\u0259r\u00e7iv\u0259sind\u0259 Bank h\u0259m m\u00f6vcud, h\u0259m d\u0259 potensial beyn\u0259lxalq t\u0259r\u0259fda\u015flarla \u0259m\u0259kda\u015fl\u0131\u011f\u0131n geni\u015fl\u0259ndirilm\u0259si imkanlar\u0131n\u0131 qiym\u0259tl\u0259ndirir.<\/p>\n\n\n\n<p>Eyni zamanda, xidm\u0259t \u015f\u0259b\u0259k\u0259sinin geni\u015fl\u0259ndirilm\u0259si v\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 s\u00fcr\u0259tli, y\u00fcks\u0259k keyfiyy\u0259tli xidm\u0259tl\u0259rin t\u0259qdim olunmas\u0131 \u0259sas prioritetl\u0259r s\u0131ras\u0131nda qal\u0131r. M\u00fc\u015ft\u0259ri m\u0259mnunlu\u011funun art\u0131r\u0131lmas\u0131 yaln\u0131z fiziki filial \u015f\u0259b\u0259k\u0259si vasit\u0259sil\u0259 deyil, r\u0259q\u0259msal kanallar\u0131n inki\u015faf\u0131 hesab\u0131na da t\u0259min edil\u0259c\u0259kdir. X\u00fcsusil\u0259 mobil t\u0259tbiqin funksionall\u0131\u011f\u0131n\u0131n v\u0259 istifad\u0259\u00e7i t\u0259cr\u00fcb\u0259sinin daha da t\u0259kmill\u0259\u015fdirilm\u0259si, \u0259sas bank xidm\u0259t v\u0259 \u00f6d\u0259ni\u015f al\u0259tl\u0259rinin r\u0259q\u0259msal m\u00fchitd\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131 planla\u015fd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n<p>Yuxar\u0131da qeyd olunan istiqam\u0259tl\u0259r \u00fczr\u0259 t\u0259dbirl\u0259rin icras\u0131 n\u0259tic\u0259sind\u0259 2026-c\u0131 ilin d\u0259 maliyy\u0259 g\u00f6st\u0259ricil\u0259ri bax\u0131m\u0131ndan m\u00fcsb\u0259t dinamika il\u0259 yekunla\u015faca\u011f\u0131 proqnozla\u015fd\u0131r\u0131l\u0131r. Bank kapital buferinin daha da m\u00f6hk\u0259ml\u0259ndirilm\u0259sini, riskl\u0259rin idar\u0259 olunmas\u0131 \u00e7\u0259r\u00e7iv\u0259sinin davaml\u0131 g\u00fccl\u0259ndirilm\u0259sini v\u0259 m\u0259nf\u0259\u0259tlilik g\u00f6st\u0259ricil\u0259rinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131n\u0131 strateji h\u0259d\u0259f kimi m\u00fc\u0259yy\u0259n etmi\u015fdir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-ci il AccessBank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 n\u0259tic\u0259l\u0259ri ili oldu AccessBank-\u0131n \u0130dar\u0259 Hey\u0259ti S\u0259drinin m\u00fcavini, Ba\u015f Maliyy\u0259 \u0130nzibat\u00e7\u0131s\u0131 Orxan \u0130smay\u0131lovla m\u00fcsahib\u0259. 2025-ci il AccessBank \u00fc\u00e7\u00fcn sabit art\u0131m v\u0259 dayan\u0131ql\u0131 maliyy\u0259 g\u00f6st\u0259ricil\u0259ri il\u0259 xarakteriz\u0259&#8230;<\/p>\n","protected":false},"author":2,"featured_media":44961,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/44959"}],"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=44959"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/44959\/revisions"}],"predecessor-version":[{"id":44962,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/44959\/revisions\/44962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/44961"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=44959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=44959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=44959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}