{"id":5735,"date":"2022-12-06T08:00:00","date_gmt":"2022-12-06T05:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=5735"},"modified":"2022-12-06T11:20:08","modified_gmt":"2022-12-06T08:20:08","slug":"kapital-bank-ilsonu-gost%c9%99ricil%c9%99rini-elan-etdi","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=5735","title":{"rendered":"Kapital Bank ilsonu g\u00f6st\u0259ricil\u0259rini elan etdi"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Kapital Bank ilsonu g\u00f6st\u0259ricil\u0259rini elan etdi<\/strong><\/p>\n\n\n\n<p>Kapital Bank 2022-ci il \u00fczr\u0259 f\u0259aliyy\u0259t n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlad\u0131. Bu haqda \u00f6z m\u00fcsahib\u0259sind\u0259 Kapital Bank-\u0131n P\u0259rak\u0259nd\u0259 Sat\u0131\u015f \u0130dar\u0259sinin Ba\u015f direktoru Ramil \u0130mamov m\u0259lumat verdi. R\u0259q\u0259ml\u0259r, statistik g\u00f6st\u0259ricil\u0259r v\u0259 bank\u0131n 2020-2023-c\u00fc ill\u0259r \u00fczr\u0259 qoydu\u011fu strateji h\u0259d\u0259fl\u0259rin icra statusu bar\u0259sind\u0259 dan\u0131\u015fan Ramil \u0130mamov, strateji planlaman\u0131n bank\u0131n inki\u015faf\u0131 v\u0259 liderliyini qoruyub saxlamas\u0131 \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r \u0259h\u0259miyy\u0259tli oldu\u011funu vur\u011fulad\u0131.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"952\" height=\"372\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/12\/ri_951.jpg\" alt=\"\" class=\"wp-image-5736\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2022\/12\/ri_951.jpg 952w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/12\/ri_951-300x117.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/12\/ri_951-768x300.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2022\/12\/ri_951-360x141.jpg 360w\" sizes=\"(max-width: 952px) 100vw, 952px\" \/><\/figure>\n\n\n\n<p>\u201c2020-2023 strateji d\u00f6vrd\u0259 riteyl \u00fczr\u0259 \u0259sas h\u0259d\u0259fl\u0259rimizd\u0259n biri bazardak\u0131 birinciliyi qorumaq v\u0259 inki\u015faf etdirm\u0259k idi. \u00d6t\u0259n 2 il \u0259rzind\u0259 bu sah\u0259d\u0259 yolumuzu inamla davam etdirdik. Haz\u0131rda na\u011fd pul krediti \u00fczr\u0259 portfelimiz 1,4 milyard manat, kredit kartlar\u0131 \u00fczr\u0259 portfelimiz is\u0259 t\u0259xmin\u0259n 420 milyon manat t\u0259\u015fkil edir. H\u0259m\u00e7inin \u00fcmumi olaraq istehlak kreditl\u0259ri \u00fczr\u0259 bazar pay\u0131m\u0131z t\u0259xmin\u0259n 35% t\u0259\u015fkil edir. Bununla paralel olaraq kart biznesinin inki\u015faf\u0131 da u\u011furla davam etdirilir. Debet kart sat\u0131\u015flar\u0131n\u0131n say\u0131nda k\u0259skin art\u0131m olub ki, haz\u0131rda bazarda debet kart say\u0131m\u0131z 1,6 milyondan art\u0131qd\u0131r. Birbank kartlar\u0131 \u00fczr\u0259 2022-ci ilin sonu \u00fc\u00e7\u00fcn \u00fcmumi olaraq d\u00f6vriyy\u0259 h\u0259d\u0259fimiz 2 milyard manatd\u0131r v\u0259 biz art\u0131q bu r\u0259q\u0259m\u0259 \u00e7atm\u0131\u015f\u0131q. Taksit kart bazar\u0131nda da Birbank kartlar\u0131m\u0131z lider m\u00f6vqed\u0259dir. Bel\u0259 ki, haz\u0131rda &nbsp;400&nbsp;000-d\u0259n art\u0131q taksit kart m\u00fc\u015ft\u0259rimiz var ki, onlar\u0131n da \u00fcmumi taksit d\u00f6vriyy\u0259si 300 milyon manatdan \u00e7oxdur. Bu da \u00fcmumi taksit bazar pay\u0131n\u0131n 82%-i dem\u0259kdir. Haz\u0131rda \u00fcmumi xidm\u0259t \u00fczr\u0259 partnyorlar\u0131m\u0131z\u0131n say\u0131 20&nbsp;000-d\u0259n \u00e7oxdur. Kart biznesinin inki\u015faf\u0131 il\u0259 paralel olaraq ekvayrinq biznesi \u00fczr\u0259 d\u0259 art\u0131m m\u00fc\u015fahid\u0259 olunur. Bel\u0259 ki, haz\u0131rda Kapital Bank-\u0131n 15&nbsp;000-d\u0259n art\u0131q POS-terminal, 1&nbsp;000-\u0259 yax\u0131n e-ticar\u0259t v\u0259 4&nbsp;000-d\u0259n art\u0131q Mobil-POS m\u00fc\u015ft\u0259risi vard\u0131r\u201d, &#8211; dey\u0259 Ramil \u0130mamov bildirdi.<\/p>\n\n\n\n<p>Son ill\u0259r \u0259rzind\u0259 Az\u0259rbaycan\u0131n bank sektorunda ipoteka kreditl\u0259\u015fm\u0259sinin geni\u015fl\u0259ndirilm\u0259si v\u0259 mikro biznes\u0259 d\u0259st\u0259k prioritet sah\u0259l\u0259rd\u0259n hesab olunur. M\u00fcsahibimiz bank\u0131n bu sah\u0259d\u0259 olan u\u011furlar\u0131ndan dan\u0131\u015f\u0131b. \u201cSon ill\u0259r Kapital Bank \u00fc\u00e7\u00fcn ipoteka biznesi \u0259sas inki\u015faf etdiril\u0259n sah\u0259l\u0259rd\u0259n biridir. Strateji d\u00f6vrd\u0259 qar\u015f\u0131ya qoyulan h\u0259d\u0259fl\u0259rd\u0259n biri ipoteka portfeli \u00fczr\u0259 bazarda b\u00f6y\u00fck pay sahibi olmaq v\u0259 m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn \u00e7evik xidm\u0259ti t\u0259min etm\u0259k idi. \u0130poteka \u00fczr\u0259 q\u0131sa zaman k\u0259siyind\u0259 y\u00fcks\u0259k n\u0259tic\u0259l\u0259r \u0259ld\u0259 olunub v\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 4 n\u00f6v ipoteka krediti t\u0259klif edirik. Haz\u0131rda ipoteka portfelimiz 400 milyon manatdan art\u0131qd\u0131r. Onu da qeyd edim ki, art\u0131q m\u00fc\u015ft\u0259ril\u0259rimiz m\u00fcxt\u0259lif kanallar vasit\u0259sil\u0259 ipoteka \u00fc\u00e7\u00fcn banka m\u00fcraci\u0259t etdikd\u0259 onlara d\u00fc\u015f\u0259n kredit m\u0259bl\u0259\u011fi v\u0259 ilkin \u015f\u0259rtl\u0259r (m\u0259bl\u0259\u011f, ayl\u0131q \u00f6d\u0259ni\u015f v\u0259 s.) bizim skorinq model t\u0259r\u0259find\u0259n hesablan\u0131b t\u0259qdim edilir. H\u0259m\u00e7inin bu strateji d\u00f6vrd\u0259 yeni qurdu\u011fumuz bir biznes sah\u0259si is\u0259 mikro biznes olub. \u00d6t\u0259n 2 il \u0259rzind\u0259 mikro seqment m\u00fc\u015ft\u0259ril\u0259ri \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif n\u00f6v bank m\u0259hsul v\u0259 xidm\u0259tl\u0259ri yarad\u0131ld\u0131. Bunlar\u0131n i\u00e7\u0259risind\u0259 haz\u0131rda \u00f6lk\u0259 \u00fczr\u0259 yaln\u0131z Kapital Bank t\u0259r\u0259fd\u0259n icra olunan onlayn kreditl\u0259\u015fm\u0259ni qeyd etm\u0259k ist\u0259rdim. Mikro biznes m\u00fc\u015ft\u0259ril\u0259rimiz t\u0259r\u0259fd\u0259n d\u0259 m\u0259saf\u0259d\u0259n kreditl\u0259\u015fm\u0259 m\u00fcsb\u0259t qar\u015f\u0131lan\u0131b v\u0259 b\u0259y\u0259nilib.&nbsp; Mikro biznes kreditl\u0259ri \u00fczr\u0259 cari ana kredit portfelimiz is\u0259 76 milyon manat t\u0259\u015fkil edir v\u0259 bu g\u00f6st\u0259rici s\u00fcr\u0259tl\u0259 art\u0131r\u201d, &#8211; dey\u0259, bank r\u0259smisi qeyd etdi.<\/p>\n\n\n\n<p>Pandemiya b\u00fct\u00fcn d\u00fcnyada oldu\u011fu kimi Az\u0259rbaycanda da biznesi aparmaq qaydalar\u0131na t\u0259sir etdiyi kimi, istehlak\u00e7\u0131lar aras\u0131nda onlayn xidm\u0259tl\u0259r\u0259, r\u0259q\u0259msalla\u015fmaya mara\u011f\u0131 art\u0131rd\u0131. Maraql\u0131d\u0131r, bu tendensiyalar bank sektoruna nec\u0259 t\u0259sir edib? Ramil \u0130mamov bu m\u00f6vzuda da a\u00e7\u0131qlama ver\u0259r\u0259k statistik g\u00f6st\u0259ricil\u0259r\u0259&nbsp; toxundu. \u201cOnlayn kanallar \u00fczr\u0259 kredit v\u0259 kart sat\u0131\u015flar\u0131n\u0131n g\u00f6st\u0259ricil\u0259rind\u0259 art\u0131m m\u00fc\u015fahid\u0259 olunur. Bel\u0259 ki, bank \u00fczr\u0259 \u00fcmumi sat\u0131\u015f\u0131n 60%-i m\u0259hz onlayn kanallar\u0131n pay\u0131na d\u00fc\u015f\u00fcr. Birbank r\u0259q\u0259msal bank\u0131n\u0131n istifad\u0259\u00e7i say\u0131nda olan g\u00f6st\u0259ricil\u0259r d\u0259 y\u00fcks\u0259k templ\u0259 art\u0131r. Haz\u0131rda Birbank-\u0131 5,4 milyon n\u0259f\u0259rd\u0259n art\u0131q istifad\u0259\u00e7i y\u00fckl\u0259yib ki, onlardan 2 milyon n\u0259f\u0259rd\u0259n \u00e7oxu aktiv istifad\u0259\u00e7idir. Qeyd edim ki, aktiv istifad\u0259\u00e7il\u0259rin pay\u0131na ay \u0259rzind\u0259 ortalama 9 \u0259m\u0259liyyat d\u00fc\u015f\u00fcr.<\/p>\n\n\n\n<p>H\u0259m\u00e7inin bu strateji d\u00f6vrd\u0259 m\u00fc\u015ft\u0259ri xidm\u0259ti keyfiyy\u0259tinin art\u0131r\u0131lmas\u0131 da diqq\u0259t m\u0259rk\u0259zind\u0259 olan istiqam\u0259tl\u0259rd\u0259ndir. Bel\u0259 ki, \u00f6lk\u0259 \u00fczr\u0259 \u0259n geni\u015f filial \u015f\u0259b\u0259k\u0259sin\u0259 malik olan Kapital Bank-da filial \u015f\u0259b\u0259k\u0259sinin optimalla\u015fd\u0131r\u0131lmas\u0131 v\u0259 yeni xidm\u0259t n\u00f6qt\u0259l\u0259rinin a\u00e7\u0131lmas\u0131na x\u00fcsusi diqq\u0259t ayr\u0131l\u0131r. T\u0259kc\u0259 bu il \u0259rzind\u0259 Bak\u0131 \u015f\u0259h\u0259ri \u00fczr\u0259 9, regionlar \u00fczr\u0259 2 yeni xidm\u0259t n\u00f6qt\u0259miz istifad\u0259y\u0259 verilib. Telefon m\u0259rk\u0259zi v\u0259 onlayn m\u00fc\u015ft\u0259ri xidm\u0259ti sah\u0259l\u0259rinin resurslar\u0131 da art\u0131r\u0131l\u0131b. Bank\u0131m\u0131z m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tinin art\u0131r\u0131lmas\u0131, daxil olan m\u00fc\u015ft\u0259ri m\u00fcraci\u0259tl\u0259rinin cavabland\u0131r\u0131lmas\u0131 v\u0259 m\u00fc\u015ft\u0259ri \u015fikay\u0259tl\u0259rinin h\u0259ll edilm\u0259si prosesl\u0259rinin apar\u0131lmas\u0131 \u00fczr\u0259 beyn\u0259lxalq sertifikatla\u015fmadan ke\u00e7\u0259r\u0259k ISO 10002:2018 sertifikat\u0131 \u0259ld\u0259 edib. \u018flb\u0259tt\u0259 ki, g\u00f6r\u00fcl\u0259n bu t\u0259dbirl\u0259r fasil\u0259siz davam etm\u0259lidir. Bank\u0131n h\u0259m r\u0259q\u0259msal, h\u0259m d\u0259&nbsp; filiallar vasit\u0259sil\u0259 xidm\u0259t etdiyi m\u00fc\u015ft\u0259ri say\u0131 b\u00f6y\u00fck oldu\u011fundan daxil olan m\u00fcraci\u0259tl\u0259rin daha effektiv emal olunmas\u0131 istiqam\u0259tind\u0259 i\u015fl\u0259r daimi \u0259saslarda g\u00f6r\u00fclm\u0259li v\u0259 h\u0259r zaman y\u00fcks\u0259k prioritet t\u0259\u015fkil etm\u0259lidir\u201d, &#8211; dey\u0259, Kapital Bank-\u0131n P\u0259rak\u0259nd\u0259 Sat\u0131\u015f \u0130dar\u0259sinin Ba\u015f direktoru vur\u011fulad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kapital Bank ilsonu g\u00f6st\u0259ricil\u0259rini elan etdi Kapital Bank 2022-ci il \u00fczr\u0259 f\u0259aliyy\u0259t n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlad\u0131. Bu haqda \u00f6z m\u00fcsahib\u0259sind\u0259 Kapital Bank-\u0131n P\u0259rak\u0259nd\u0259 Sat\u0131\u015f \u0130dar\u0259sinin Ba\u015f direktoru Ramil \u0130mamov m\u0259lumat verdi. R\u0259q\u0259ml\u0259r, statistik g\u00f6st\u0259ricil\u0259r v\u0259 bank\u0131n 2020-2023-c\u00fc&#8230;<\/p>\n","protected":false},"author":2,"featured_media":5739,"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\/5735"}],"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=5735"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5735\/revisions"}],"predecessor-version":[{"id":5740,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/5735\/revisions\/5740"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/5739"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5735"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5735"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5735"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}