{"id":5014,"date":"2022-11-10T08:30:00","date_gmt":"2022-11-10T05:30:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=5014"},"modified":"2022-11-10T15:06:37","modified_gmt":"2022-11-10T12:06:37","slug":"yelo-bank-in-inkisaf-strategiyasindaki-h%c9%99d%c9%99fl%c9%99r-artiqlamasi-il%c9%99-yerin%c9%99-yetirilir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=5014","title":{"rendered":"\u201cYelo Bank-\u0131n inki\u015faf strategiyas\u0131ndak\u0131 h\u0259d\u0259fl\u0259r art\u0131qlamas\u0131 il\u0259 yerin\u0259 yetirilir\u201d"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>\u201cYelo Bank-\u0131n inki\u015faf strategiyas\u0131ndak\u0131 h\u0259d\u0259fl\u0259r art\u0131qlamas\u0131 il\u0259 yerin\u0259 yetirilir\u201d<\/strong><\/p>\n\n\n\n<p><em>2022-ci ilin ilk 9 ay\u0131 \u0259rzind\u0259 biznes kredit portfelinin art\u0131m tempin\u0259 g\u00f6r\u0259 (40%) Yelo Bank \u00f6lk\u0259 banklar\u0131 aras\u0131nda 1-ci yerd\u0259dir. Bank\u0131n \u0130dar\u0259 Hey\u0259ti \u00fczv\u00fcn\u00fcn Mikro Biznes M\u00fc\u015ft\u0259ril\u0259ri \u00fczr\u0259 m\u00fcavini Samir \u015eahk\u0259rimov bu istiqam\u0259td\u0259 g\u0259l\u0259c\u0259k planlar v\u0259 yenilikl\u0259r bar\u0259d\u0259 geni\u015f m\u00fcsahib\u0259 verib.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-1024x682.png\" alt=\"\" class=\"wp-image-5015\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-1024x682.png 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-300x200.png 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-768x512.png 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-1536x1024.png 1536w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1-360x240.png 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/11\/foto1.png 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul><li><strong>Salam, Samir b\u0259y. 2022-ci ilin sonlar\u0131na do\u011fru gedirik. Biznes kreditl\u0259\u015fm\u0259si istiqam\u0259tind\u0259 bu ilki v\u0259ziyy\u0259ti nec\u0259 d\u0259y\u0259rl\u0259ndirirsiniz? Pandemiyadan \u0259vv\u0259lki tempin\u0259 qay\u0131d\u0131b?<\/strong><\/li><\/ul>\n\n\n\n<p>Etiraf edim ki, pandemiya \u015f\u0259raiti bank sektoruna, el\u0259c\u0259 d\u0259 Yelo Bank-a da t\u0259sirsiz \u00f6t\u00fc\u015fm\u0259di. Vacib olan is\u0259 bu \u015f\u0259raitin t\u0259sirl\u0259rin\u0259 an\u0131nda reaksiya verm\u0259k v\u0259 m\u00fcvafiq qabaqlay\u0131c\u0131 t\u0259dbirl\u0259rin h\u0259yata ke\u00e7irilm\u0259si idi. Yelo Bank olaraq hesab edir\u0259m ki, bu \u00e7a\u011f\u0131r\u0131\u015f\u0131n \u00f6hd\u0259sind\u0259n u\u011furla g\u0259l\u0259 bildik. \u018fvv\u0259lki il il\u0259 m\u00fcqayis\u0259d\u0259 bu il v\u0259ziyy\u0259t tamamil\u0259 f\u0259rqlidir. Canlanma bu g\u00fcn iqtisadiyyat\u0131n ist\u0259nil\u0259n sah\u0259sind\u0259, o c\u00fcml\u0259d\u0259n, sahibkarl\u0131q subyektl\u0259rinin f\u0259aliyy\u0259tind\u0259 d\u0259 hiss olunur. Pandemiyadan z\u0259r\u0259r\u00e7\u0259kmi\u015f sahibkarlar\u0131n m\u00f6vcud kreditl\u0259ri \u00fczr\u0259 faizl\u0259rin d\u00f6vl\u0259t t\u0259r\u0259find\u0259n subsidiyala\u015fd\u0131r\u0131lmas\u0131, d\u00f6vl\u0259t z\u0259man\u0259tli v\u0259 faizl\u0259ri subsidiyala\u015fd\u0131r\u0131lm\u0131\u015f kreditl\u0259rin verilm\u0259si kimi t\u0259dbirl\u0259rin burda rolu x\u00fcsusidir. \u018fminlikl\u0259 dey\u0259 bil\u0259r\u0259m ki, haz\u0131rda biznes sektorunda v\u0259ziyy\u0259t pandemiyadan \u0259vv\u0259lkin\u0259 qay\u0131d\u0131b. Bank\u0131m\u0131z\u0131n biznes kreditl\u0259\u015fm\u0259si istiqam\u0259tind\u0259 cari ild\u0259 \u0259ld\u0259 etdiyi u\u011furlar, biznes kreditl\u0259ri \u00fczr\u0259 portfelin keyfiyy\u0259t g\u00f6st\u0259ricisi v\u0259 sahibkarlar t\u0259r\u0259find\u0259n daxil olan kredit m\u00fcraci\u0259tl\u0259rinin h\u0259cmi d\u0259 buna \u0259yani s\u00fcbutdur.<\/p>\n\n\n\n<ul><li><strong>\u0130lin \u0259vv\u0259lind\u0259n Yelo Bank-\u0131n xidm\u0259t \u015f\u0259b\u0259k\u0259sini m\u0259hz regionlarda geni\u015fl\u0259ndirdiyini g\u00f6r\u00fcr\u00fck. Bu tendensiyan\u0131n davam\u0131 kimi daha hans\u0131 planlar\u0131n\u0131z var?<\/strong><\/li><\/ul>\n\n\n\n<p>Dem\u0259k olar ki, h\u0259r k\u0259s art\u0131q 2021-2023-c\u00fc ill\u0259ri \u0259hat\u0259l\u0259y\u0259n strategiya inki\u015faf plan\u0131m\u0131zdan x\u0259b\u0259rdard\u0131r. Haz\u0131rki f\u0259aliyy\u0259timiz bu plana uy\u011fun olaraq u\u011furla h\u0259yata ke\u00e7irilir. Q\u00fcrur hissi il\u0259 bildirim ki, strategiyada biznes iqtiqam\u0259ti \u00fczr\u0259 m\u00fcvafiq d\u00f6vr \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulmu\u015f h\u0259d\u0259fl\u0259r n\u0259inki tam, h\u0259tta art\u0131qlamas\u0131 il\u0259 yerin\u0259 yetirilib. Bu plan\u0131n bir hiss\u0259si d\u0259 filial \u015f\u0259b\u0259k\u0259sinin geni\u015fl\u0259ndirilm\u0259si idi. Bu proses\u0259 start verm\u0259zd\u0259n qabaq Yelo Bank filiallar\u0131n\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti Bak\u0131da c\u0259ml\u0259nmi\u015fdi. T\u0259bii ki, bel\u0259 formada yerl\u0259\u015fm\u0259 il\u0259 kifay\u0259tl\u0259nm\u0259dik, regionlarda ya\u015fayan \u0259halinin maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 t\u0259min etm\u0259yi h\u0259d\u0259fl\u0259dik. N\u0259tic\u0259d\u0259 cari il \u0259rzind\u0259 A\u011fcab\u0259di, Salyan v\u0259 Q\u0259b\u0259l\u0259 rayonlar\u0131nda yerl\u0259\u015fm\u0259kl\u0259, m\u00fcasir standartlara tam cavab ver\u0259n v\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 h\u0259rt\u0259r\u0259fli xidm\u0259t g\u00f6st\u0259r\u0259n 3 region filial\u0131m\u0131z\u0131 istifad\u0259y\u0259 verdik. Bunlardan \u201cA\u011fcab\u0259di\u201d v\u0259 \u201cQ\u0259b\u0259l\u0259\u201d filiallar\u0131 \u0259n\u0259n\u0259vi bank modelind\u0259n f\u0259rqli olaraq r\u0259q\u0259msal konsepsiya \u00fcz\u0259rind\u0259 qurulub. Y\u0259ni burada bank \u0259m\u0259liyyatlar\u0131 x\u0259zin\u0259 olmadan, aparatlar vasit\u0259sil\u0259 icra olunur. \u0130l sonunad\u0259k v\u0259 n\u00f6vb\u0259ti il b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti regionlarda olmaqla bu konsepsiyada daha bir ne\u00e7\u0259 filial\u0131m\u0131z\u0131n a\u00e7\u0131lmas\u0131 n\u0259z\u0259rd\u0259 tutulub.<\/p>\n\n\n\n<ul><li><strong>Yelo Bank-\u0131n kredit portfelind\u0259 biznesin pay\u0131 n\u0259 q\u0259d\u0259rdir v\u0259 hans\u0131 sah\u0259l\u0259r\u0259 daha \u00e7ox biznes kreditl\u0259ri ayr\u0131l\u0131r?<\/strong><\/li><\/ul>\n\n\n\n<p>Real sektorun maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 Bank\u0131m\u0131z h\u0259r zaman maraql\u0131d\u0131r. Cari il \u0259rzind\u0259 Yelo Bank t\u0259r\u0259find\u0259n verilmi\u015f kreditl\u0259rin 67%-i mikro, ki\u00e7ik v\u0259 orta sahibkarl\u0131\u011f\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 ayr\u0131l\u0131b. Bu kreditl\u0259r is\u0259 Bank\u0131n \u00fcmumi kredit protfelinin 65%-ni t\u0259\u015fkil edir. \u00dcmumilikd\u0259 cari\u00a0il\u00a0\u0259rzind\u0259\u00a0sahibkarl\u0131q subyektl\u0259rinin\u00a0maliyy\u0259l\u0259\u015fdirilm\u0259si m\u0259qs\u0259dil\u0259 t\u0259r\u0259fimizd\u0259n 288.4\u00a0milyon\u00a0manat\u00a0h\u0259cmind\u0259 biznes\u00a0krediti\u00a0verilib. Sahibkarlar\u0131n ilb\u0259il artan maliyy\u0259 t\u0259l\u0259bat\u0131 tendensiyas\u0131n\u0131 n\u0259z\u0259r\u0259 alsaq, qar\u015f\u0131dak\u0131 d\u00f6vrl\u0259rd\u0259 bu nisb\u0259tin bir q\u0259d\u0259r d\u0259 artaca\u011f\u0131 g\u00f6zl\u0259nilir. Onu da vur\u011fulay\u0131m ki, cari ilin 3-c\u00fc r\u00fcb\u00fcn\u00fcn sonuna olan statistik m\u0259lumata \u0259sas\u0259n, Yelo Bank biznes kredit portfelinin art\u0131m dinamikas\u0131na g\u00f6r\u0259 \u00f6lk\u0259 banklar\u0131 aras\u0131nda birinci yerd\u0259dir.<br>Sahibkarl\u0131q f\u0259aliyy\u0259tinin ist\u0259nil\u0259n sah\u0259si t\u0259r\u0259fimizd\u0259n maliyy\u0259l\u0259\u015fdirilir, lakin daha \u00e7ox kredit ayr\u0131lan sektorlar ticar\u0259t, xidm\u0259t v\u0259 k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131d\u0131r. \u00d6lk\u0259d\u0259 qeyri-neft sektorunun inki\u015faf\u0131na olan maraq, real sektorun bu sah\u0259l\u0259rin\u0259 davaml\u0131 investisiyan\u0131 vacib edir. Bank olaraq bu imkanlar\u0131 realla\u015fd\u0131rmaq prioritetimizdir.<\/p>\n\n\n\n<ul><li><strong>Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun a\u00e7\u0131qlad\u0131\u011f\u0131 statistikada cari ilin \u0259vv\u0259lind\u0259n kredit say\u0131na g\u00f6r\u0259 \u0259n \u00e7ox kredit ver\u0259n banklar aras\u0131nda ilk \u00fc\u00e7l\u00fckd\u0259siniz. M\u00fcv\u0259kkil bank kimi fondlar hesab\u0131na n\u0259 q\u0259d\u0259r kredit verilm\u0259si planla\u015fd\u0131r\u0131lm\u0131\u015fd\u0131 v\u0259 plan\u0131n hans\u0131 hiss\u0259si yerin\u0259 yetirilib?<\/strong><\/li><\/ul>\n\n\n\n<p>Haz\u0131rda Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondu v\u0259 Az\u0259rbaycan Respublikas\u0131n\u0131n K\u0259nd T\u0259s\u0259rr\u00fcfat\u0131 Nazirliyi yan\u0131nda \u201cAqrar Kredit v\u0259 \u0130nki\u015faf Agentliyi\u201d il\u0259 Bank\u0131m\u0131z s\u0131x \u0259m\u0259kda\u015fl\u0131q edir v\u0259 bu \u0259m\u0259kda\u015fl\u0131\u011f\u0131n uzunm\u00fcdd\u0259tli xarakter da\u015f\u0131mas\u0131 qar\u015f\u0131da duran \u0259sas m\u0259s\u0259l\u0259l\u0259rd\u0259ndir. Cari il \u0259rzind\u0259 s\u00f6z\u00fcged\u0259n fondlar\u0131n v\u0259saiti hesab\u0131na Yelo Bank t\u0259r\u0259find\u0259n 571 sahibkara 11.2 milyon manat h\u0259cmind\u0259 g\u00fcz\u0259\u015ftli kredit verilib. M\u0259lumat \u00fc\u00e7\u00fcn bildirim ki, m\u00fc\u015ft\u0259ril\u0259rimiz Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun v\u0259saiti hesab\u0131na 10 milyon manatad\u0259k biznes kreditini illik 5%-l\u0259, 60 ayad\u0259k m\u00fcdd\u0259t\u0259 v\u0259 24 ayad\u0259k g\u00fcz\u0259\u015ft il\u0259 \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r. H\u0259m\u00e7inin, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 sah\u0259sinin inki\u015faf\u0131 m\u0259qs\u0259dil\u0259 Aqrar Kredit v\u0259 \u0130nki\u015faf Agentliyinin v\u0259saiti hesab\u0131na 200\u00a0000 manatad\u0259k kreditl\u0259r illik 7%-l\u0259 60 ayad\u0259k m\u00fcdd\u0259t\u0259 v\u0259 12 ayad\u0259k g\u00fcz\u0259\u015ftl\u0259 t\u0259klif edilir.<\/p>\n\n\n\n<ul><li><strong>Yelo Bank ilk d\u0259f\u0259 mobil t\u0259tbiq vasit\u0259sil\u0259 onlayn biznes kredit kart\u0131 m\u0259hsulunu t\u0259tbiq edib. Bu m\u0259hsulun \u00fcst\u00fcnl\u00fckl\u0259ri n\u0259l\u0259rdir v\u0259 sahibkarlar\u0131 daha hans\u0131 r\u0259q\u0259msal yenilikl\u0259riniz g\u00f6zl\u0259yir?<\/strong><\/li><\/ul>\n\n\n\n<p>Sahibkarlar\u0131n s\u00fcr\u0259tli v\u0259 funksional kredit m\u0259hsullar\u0131na ehtiyac\u0131 art\u0131rd\u0131. Strategiyam\u0131zda sad\u0259 v\u0259 \u0259l\u00e7atan yollarla yenilik\u00e7i maliyy\u0259 xidm\u0259tl\u0259rimizin yarad\u0131lmas\u0131 da n\u0259z\u0259rd\u0259 tutulub. B\u00fct\u00fcn bunlar\u0131n fonunda yeni kredit m\u0259hsullar\u0131n\u0131n yarad\u0131lmas\u0131 vacib idi, n\u0259tic\u0259d\u0259 Yelo Bank olaraq sahibkarlar \u00fc\u00e7\u00fcn m\u0259saf\u0259d\u0259n kreditl\u0259\u015fm\u0259ni t\u0259min ed\u0259n yenilikl\u0259r g\u0259tirdik. Bunlardan ilki sahibkarlara n\u00f6vb\u0259ti krediti tam olaraq onlayn \u0259ld\u0259 etm\u0259y\u0259 imkan ver\u0259n Mikro Biznes kart m\u0259hsulumuz oldu. Bel\u0259 ki, mikro kredit \u0259ld\u0259 ed\u0259n b\u00fct\u00fcn sahibkar m\u00fc\u015ft\u0259ril\u0259rimiz s\u00f6z\u00fcged\u0259n kart\u0131 pulsuz \u0259ld\u0259 edir, n\u00f6vb\u0259ti kredit m\u0259bl\u0259\u011fi is\u0259 h\u0259min karta k\u00f6\u00e7\u00fcr\u00fcl\u00fcr. Sahibkar \u00f6z d\u0259y\u0259rli vaxt\u0131n\u0131 bankda s\u0259n\u0259dl\u0259\u015fm\u0259 prosesin\u0259 deyil, \u00f6z biznesinin inki\u015faf\u0131na ay\u0131r\u0131r.<br>Ard\u0131nca daha innovativ v\u0259 tam r\u0259q\u0259msal Mikro Biznes kredit kart\u0131n\u0131 istifad\u0259y\u0259 verdik. Xidm\u0259tin \u00fcst\u00fcnl\u00fcy\u00fc ondad\u0131r ki, h\u0259tta Banka ilk d\u0259f\u0259 m\u00fcraci\u0259t ed\u0259n sahibkar b\u00fct\u00fcn kreditl\u0259\u015fm\u0259 prosesini t\u0259min ed\u0259n mobil t\u0259tbiqimiz say\u0259sind\u0259 kart\u0131 tam onlayn \u0259ld\u0259 etmi\u015f olur. Bundan ba\u015fqa kredit \u00f6d\u0259ni\u015fi qismind\u0259 \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011fl\u0259r m\u00fc\u015ft\u0259rinin biznes kart\u0131na k\u00f6\u00e7\u00fcr v\u0259 bu v\u0259saiti yenid\u0259n istifad\u0259 etm\u0259k imkan\u0131 yaran\u0131r.<br>T\u0259bii ki, yenilikl\u0259rimiz bununla bitmir. Sahibkarlar\u0131n d\u0259yi\u015f\u0259n ehtiyaclar\u0131n\u0131 m\u00fct\u0259madi olaraq m\u00fcxt\u0259lif vasit\u0259l\u0259rl\u0259 ara\u015fd\u0131r\u0131r\u0131q. Plan\u0131m\u0131z sahibkarlar\u0131n f\u0259aliyy\u0259t istiqam\u0259tin\u0259, ba\u015fqa s\u00f6zl\u0259, biznes sektorlar\u0131n\u0131n maliyy\u0259 t\u0259l\u0259bat\u0131na uy\u011fun m\u0259hsullar\u0131n haz\u0131rlanmas\u0131d\u0131r. Haz\u0131rda bu istiqam\u0259td\u0259 yeni layih\u0259 \u00fcz\u0259rind\u0259 i\u015fl\u0259r gedir v\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 m\u00fc\u015ft\u0259ril\u0259rimizin istifad\u0259sin\u0259 veril\u0259c\u0259k.<\/p>\n\n\n\n<ul><li><strong>Biznes kreditl\u0259\u015fm\u0259si bazar\u0131nda r\u0259qab\u0259t g\u00fccl\u0259nir. G\u0259l\u0259n il\u0259 hans\u0131 planlar\u0131n\u0131z var?<\/strong><\/li><\/ul>\n\n\n\n<p>Ba\u015fl\u0131ca plan\u0131m\u0131z n\u00f6vb\u0259ti il \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulmu\u015f h\u0259d\u0259fl\u0259rimiz\u0259 \u00e7atmaq, \u0259n \u0259sas\u0131 mikro kredit portfeli \u00fczr\u0259 haz\u0131rki m\u00f6vqeyimizi qorumaq v\u0259 s\u00fcr\u0259tl\u0259 b\u00f6y\u00fcm\u0259kdir. T\u0259bii ki, bu asan olmayacaq, \u00f6z\u00fcn\u00fcz d\u0259 qeyd etdiniz ki, r\u0259qab\u0259t g\u00fccl\u0259nir, sektora yeni \u201coyun\u00e7ular\u201d daxil olur. Real sektorun maliyy\u0259l\u0259\u015fdirilm\u0259si n\u00f6vb\u0259ti il \u00fc\u00e7\u00fcn d\u0259 \u0259sas h\u0259d\u0259fimiz olaraq qalacaq. T\u0259bii ki, sahibkarl\u0131q f\u0259aliyy\u0259tinin istiqam\u0259tl\u0259rin\u0259 uy\u011fun kredit m\u0259hsullar\u0131 yaratmaqla, sahibkarlar\u0131n maraqlar\u0131na xidm\u0259t d\u0259 \u00f6n plandad\u0131r. Regionlarda filial \u015f\u0259b\u0259k\u0259mizin geni\u015fl\u0259n\u0259c\u0259yini d\u0259 bir daha xat\u0131rlatmaq ist\u0259rdim. Yeni xidm\u0259tl\u0259rl\u0259 yana\u015f\u0131 haz\u0131rki xidm\u0259t v\u0259 m\u0259hsullar\u0131m\u0131zda da optimizasiya i\u015fl\u0259ri apar\u0131l\u0131r. Bunun say\u0259sind\u0259 prosesl\u0259rin s\u00fcr\u0259tl\u0259ndirilm\u0259sin\u0259, m\u0259saf\u0259d\u0259n bank xidm\u0259tl\u0259rind\u0259 \u0259lav\u0259 komfort yaratma\u011fa, m\u00fc\u015ft\u0259ri m\u0259nuniyy\u0259tinin daha da y\u00fcks\u0259ldilm\u0259sin\u0259 nail olaca\u011f\u0131q. Bir s\u00f6zl\u0259, f\u0259aliyy\u0259timizi parlaq bank\u00e7\u0131l\u0131q \u015f\u00fcar\u0131m\u0131za uy\u011fun davam etdir\u0259r\u0259k h\u0259r zaman \u201c\u00f6nc\u0259 m\u00fc\u015ft\u0259ri\u201d d\u0259y\u0259rimiz\u0259 sadiq qalaca\u011f\u0131q.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cYelo Bank-\u0131n inki\u015faf strategiyas\u0131ndak\u0131 h\u0259d\u0259fl\u0259r art\u0131qlamas\u0131 il\u0259 yerin\u0259 yetirilir\u201d 2022-ci ilin ilk 9 ay\u0131 \u0259rzind\u0259 biznes kredit portfelinin art\u0131m tempin\u0259 g\u00f6r\u0259 (40%) Yelo Bank \u00f6lk\u0259 banklar\u0131 aras\u0131nda 1-ci yerd\u0259dir. Bank\u0131n \u0130dar\u0259 Hey\u0259ti \u00fczv\u00fcn\u00fcn Mikro Biznes&#8230;<\/p>\n","protected":false},"author":2,"featured_media":5015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5014"}],"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=5014"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5014\/revisions"}],"predecessor-version":[{"id":5016,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5014\/revisions\/5016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/5015"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}