{"id":4623,"date":"2022-10-26T09:30:00","date_gmt":"2022-10-26T06:30:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=4623"},"modified":"2022-10-26T12:13:25","modified_gmt":"2022-10-26T09:13:25","slug":"unibank-3-cu-rubun-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99ri","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=4623","title":{"rendered":"Unibank 3-c\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259ri"},"content":{"rendered":"\n

Unibank 3-c\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259ri<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u201cUnibank\u201d KB ASC 2022-ci ilin ilk 9 ay\u0131 \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. Bank 3-c\u00fc r\u00fcb \u0259rzind\u0259 d\u0259 biznes portfelinin h\u0259cmi v\u0259 biznesin kreditl\u0259\u015fm\u0259si \u00fczr\u0259 y\u00fcks\u0259k g\u00f6st\u0259rici \u0259ld\u0259 edib. Bel\u0259 ki, mikrokedit portfelind\u0259 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 84% art\u0131m qeyd\u0259 al\u0131n\u0131b. Hesabat d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259, bu ilin 9 ay\u0131nda veril\u0259n mikrokreditl\u0259rin h\u0259cmi 90%-d\u0259k, say\u0131 is\u0259 70% art\u0131b. Biznes kreditl\u0259ri portfeli 30 sentyabr tarixin\u0259 278 milyon manat t\u0259\u015fkil edib, biznes sektoruna 9 ay \u0259rzind\u0259 245 milyon manat kredit ayr\u0131l\u0131b. Biznes\u0259 ayr\u0131lan v\u0259saitl\u0259rin art\u0131m\u0131 il\u0259 yana\u015f\u0131, \u201cUnibank\u201d\u0131 se\u00e7\u0259n biznes sahbl\u0259rinin say\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 37%-\u0259 yax\u0131n art\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 biznesl\u0259 ba\u011fl\u0131 daha bir g\u00f6st\u0259rici- kassa-hesabla\u015fma \u0259m\u0259liyyatlar\u0131n\u0131n h\u0259cmi d\u0259 \u00f6t\u0259ni ilin uy\u011fun g\u00f6st\u0259ricisind\u0259n 33% \u00e7oxdur.<\/p>\n\n\n\n

Bank d\u00f6vr \u0259rzind\u0259 biznes subyektl\u0259rin\u0259 xidm\u0259t istiqam\u0259tind\u0259 r\u0259q\u0259msalla\u015fma strategiyas\u0131n\u0131 u\u011furla davam etdirib. \u201cUnibank\u201d\u0131n ki\u00e7ik v\u0259 mikro sahibkarlar \u00fc\u00e7\u00fcn istifad\u0259y\u0259 verdiyi avtomatla\u015fd\u0131r\u0131lm\u0131\u015f kredit sistemi sahibkarlar\u0131n i\u015fini xeyli asanla\u015fd\u0131rd\u0131\u011f\u0131ndan, 9 ay \u0259rzind\u0259 veril\u0259n mikrokreditl\u0259rin 57%-d\u0259n \u00e7oxu bu xidm\u0259t vasit\u0259sil\u0259 ayr\u0131l\u0131b. \u00dcmumilikd\u0259 is\u0259 biznes\u0259 y\u00f6n\u0259lik m\u0259hsul v\u0259 xidm\u0259tl\u0259rin \u0259ks\u0259riyy\u0259ti avtomatla\u015fd\u0131r\u0131ld\u0131\u011f\u0131ndan, biznes sahibl\u0259ri onlayn xidm\u0259tl\u0259r\u0259 \u00fcst\u00fcnl\u00fck verib. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayisd\u0259 onlayn formada a\u00e7\u0131lan biznes hesablar\u0131n say\u0131 44%, onlayn r\u0259smil\u0259\u015fdiril\u0259n kreditl\u0259rin say\u0131 is\u0259 68% art\u0131b. Biznes sahibl\u0259ri \u00fc\u00e7\u00fcn bu yax\u0131nlarda istifad\u0259y\u0259 veril\u0259n mobil \u0259lav\u0259 sahibkarlar\u0131n bank xidm\u0259t v\u0259 m\u0259hsullar\u0131 il\u0259 m\u0259saf\u0259d\u0259n t\u0259minat\u0131n\u0131 bir q\u0259d\u0259r d\u0259 art\u0131racaq.<\/p>\n\n\n\n

Bank qeyd olunan d\u00f6vrd\u0259 \u0259haliy\u0259 xidm\u0259tl\u0259rini geni\u015fl\u0259ndirm\u0259kd\u0259 davam edib. Ke\u00e7\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 bank xidm\u0259tl\u0259rind\u0259n aktiv faydalanan \u0259halinin sayi 2 d\u0259f\u0259d\u0259n \u00e7ox artaraq, 850 mini ke\u00e7ib. Unibank, bank xidm\u0259tl\u0259ri il\u0259 \u0259hat\u0259 edil\u0259n yeni istifad\u0259\u00e7il\u0259rinin n\u00fcmun\u0259sind\u0259, bank xidm\u0259tl\u0259rind\u0259n aktiv istifad\u0259 etm\u0259y\u0259n, o c\u00fcml\u0259d\u0259n bank hesabina \u0259vv\u0259ll\u0259r malik olmayan \u0259halinin banka c\u0259lb olunmas\u0131n\u0131 da t\u0259min edib. Bel\u0259 ki, Leobank layih\u0259si \u00e7\u0259r\u00e7iv\u0259sind\u0259 t\u0259tbiq olunan m\u0259saf\u0259li bank xidm\u0259tl\u0259ri konsepsiyas\u0131, m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn maliyy\u0259 xidm\u0259tl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 v\u0259 bununla da \u00f6lk\u0259 \u0259halisinin maliyy\u0259 xidm\u0259tl\u0259rin\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 mara\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131na xidm\u0259t etmi\u015fdir. Bununla da r\u0259q\u0259msalla\u015fd\u0131rma h\u0259d\u0259fl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 bank, r\u0259q\u0259msal kanallardan istifad\u0259 etm\u0259kl\u0259, say etibar\u0131 il\u0259 apar\u0131lan \u0259m\u0259liyyatlar\u0131n toplam \u0259m\u0259liyyat h\u0259cmind\u0259ki pay\u0131n\u0131 tarixi maksimuma – 92%-\u0259 \u00e7atd\u0131r\u0131b, m\u0259bl\u0259\u011f olaraq is\u0259 bu \u0259m\u0259liyyatlarda 86% art\u0131m olub.<\/p>\n\n\n\n

Bank\u0131n \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259 d\u0259 dinamik inki\u015faf qeyd\u0259 al\u0131n\u0131b. Avqust ay\u0131nda u\u011furla yekunla\u015fd\u0131r\u0131lan kapitalla\u015fma prosesi bank\u0131n davaml\u0131 inki\u015faf\u0131n\u0131 t\u0259min edib. Maliyy\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n, \u00fc\u00e7\u00fcnc\u00fc r\u00fcb\u00fcn yekununda \u201cUnibank\u201d\u0131n aktivl\u0259rin\u0131n h\u0259cmi ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 27% artaraq, 1 milyard 319 milyon manat t\u0259\u015fkil edib. Bu d\u00f6vrd\u0259 Bank\u0131n m\u0259cmu kapital\u0131 122 milyon manat olub ki, bu da ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 16 milyon manat \u00e7oxdur.<\/p>\n\n\n\n

Hesabat d\u00f6vr\u00fc \u0259rzind\u0259 Bank\u0131n m\u0259cmu g\u0259lirl\u0259rind\u0259 ciddi art\u0131m qeyd\u0259 al\u0131n\u0131b. 9 ay \u0259rzind\u0259 c\u0259mi g\u0259lirl\u0259ri \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 40 % artaraq, 163 milyon manat t\u0259\u015fkil edib. Bel\u0259likl\u0259, 9 ayl\u0131q d\u00f6vr\u00fcn n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259 faiz g\u0259lirl\u0259ri 118 milyon manat, qeyri-faiz g\u0259lirl\u0259ri is\u0259 45 milyon t\u0259\u015fkil edib. Bununla da Bank\u0131n qeyri-faiz g\u0259lirl\u0259ri \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 57%, faiz g\u0259lirl\u0259ri is\u0259 35% art\u0131b. Cari d\u00f6vrd\u0259 bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259t g\u00f6st\u0259ricisi 16 milyon manat t\u0259\u015fkil edib.
Artan r\u0259qab\u0259t, s\u00fcr\u0259tl\u0259 yenil\u0259n\u0259n texnologiya v\u0259 m\u00fc\u015ft\u0259ril\u0259rin innovativ m\u0259hsul v\u0259 xidm\u0259tl\u0259r\u0259 t\u0259l\u0259bl\u0259rini layiqinc\u0259 qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn il \u0259rzind\u0259 Bank yeni xidm\u0259t v\u0259 m\u0259hsullar\u0131n t\u0259tbiqi, el\u0259c\u0259 d\u0259 r\u0259q\u0259msalla\u015fman\u0131n s\u00fcr\u0259tl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn s\u0259rmay\u0259 qoyulu\u015flar\u0131n\u0131 davam etdrib ki, bu n\u00f6v investisiyalar bank\u0131n cari d\u00f6vr \u00fc\u00e7\u00fcn qeyd\u0259 al\u0131nm\u0131\u015f y\u00fcks\u0259k g\u0259lir n\u0259tic\u0259l\u0259rin\u0259 neytralla\u015fd\u0131r\u0131c\u0131 t\u0259sir g\u00f6st\u0259rib. Qeyd olunan yat\u0131r\u0131mlar Bank\u0131n v\u0259 \u0259m\u0259kda\u015flar\u0131n inki\u015faf\u0131n\u0131 v\u0259 g\u0259l\u0259c\u0259k h\u0259d\u0259fl\u0259rini t\u0259min etm\u0259kl\u0259 yana\u015f\u0131, g\u0259l\u0259n ild\u0259n etibar\u0259n maliyy\u0259 n\u0259tic\u0259l\u0259rin\u0259 m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259r\u0259c\u0259kdir.
Son ill\u0259rd\u0259 d\u00fcnyada v\u0259 qlobal iqtisadiyyatda ba\u015f ver\u0259n hadis\u0259l\u0259r fonunda Bank \u0259vv\u0259lki kimi kredit riskl\u0259rin\u0259 x\u00fcsusi diqq\u0259tl\u0259 yana\u015faraq, ehtiyatlar\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 konservativ siyas\u0259tini bu il d\u0259 davam etdirib. Bu m\u0259qs\u0259dl\u0259 il \u0259rzind\u0259 19 milyon manat ehtiyatlara ay\u0131rmalar edib.<\/p>\n\n\n\n

Bank\u0131n likvid aktivl\u0259ri \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 art\u0131b. Cari ilin ilk 9 ay\u0131 \u0259rzind\u0259 pul v\u0259saitl\u0259ri v\u0259 onlar\u0131n ekvivalentl\u0259ri \u00fczr\u0259 orta g\u00fcnd\u0259lik qal\u0131q 131 milyon manat olub ki, bu da \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 38 milyon manat- y\u0259ni 41% \u00e7oxdur. \u00d6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 \u201cUnibank\u201d\u0131n depozit portfeli d\u0259 xeyli b\u00f6y\u00fcy\u00fcb. M\u00fcdd\u0259tli depozitl\u0259r ilk 9 ayda 62 milyon manat artaraq, 30  sentyabr 2022-ci il tarixin\u0259 521 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

Bank \u00f6lk\u0259d\u0259 na\u011fds\u0131z d\u00f6vriyy\u0259nin art\u0131r\u0131lmas\u0131na h\u0259r zaman d\u0259st\u0259k verir. \u00d6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n say\u0131 5 d\u0259f\u0259 \u00e7oxal\u0131b, h\u0259cmi is\u0259 4 d\u0259f\u0259d\u0259n \u00e7ox artaraq 3,1 milyard manat\u0131 \u00f6t\u00fcb.<\/p>\n\n\n\n

Unibank-S\u0259nin Bank\u0131n!<\/p>\n\n\n\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Unibank 3-c\u00fc r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259ri \u201cUnibank\u201d KB ASC 2022-ci ilin ilk 9 ay\u0131 \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. Bank 3-c\u00fc r\u00fcb \u0259rzind\u0259 d\u0259 biznes portfelinin h\u0259cmi v\u0259 biznesin kreditl\u0259\u015fm\u0259si \u00fczr\u0259 y\u00fcks\u0259k g\u00f6st\u0259rici \u0259ld\u0259 edib. Bel\u0259…<\/p>\n","protected":false},"author":2,"featured_media":4625,"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\/4623"}],"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=4623"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/4623\/revisions"}],"predecessor-version":[{"id":4628,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/4623\/revisions\/4628"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/4625"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}