{"id":7217,"date":"2023-01-25T11:00:00","date_gmt":"2023-01-25T08:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=7217"},"modified":"2023-01-25T12:51:03","modified_gmt":"2023-01-25T09:51:03","slug":"unibank-ot%c9%99n-ilin-maliyy%c9%99-n%c9%99tic%c9%99l%c9%99rini-aciqlayib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=7217","title":{"rendered":"Unibank \u00f6t\u0259n ilin maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b"},"content":{"rendered":"\n

Unibank \u00f6t\u0259n ilin maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b<\/strong><\/p>\n\n\n\n

\u201cUnibank\u201d KB ASC 2022-ci il \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. 31 dekabr 2022-ci il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 24.5milyon manat t\u0259\u015fkil edib. Hesabat d\u00f6vr\u00fc \u0259rzind\u0259 Bank\u0131n m\u0259cmu g\u0259lirl\u0259rind\u0259 ciddi art\u0131m qeyd\u0259 al\u0131n\u0131b. \u0130l \u0259rzind\u0259 c\u0259mi g\u0259lirl\u0259ri \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 44 % artaraq, 233 milyon manat t\u0259\u015fkil edib. 2022-ci ild\u0259 qazan\u0131lm\u0131\u015f faiz g\u0259lirl\u0259ri 163 milyon manat\u0131 \u00f6t\u00fcb, qeyri-faiz g\u0259lirl\u0259ri is\u0259 70milyon manata \u00e7at\u0131b. Bununla da Bank\u0131n qeyri-faiz g\u0259lirl\u0259ri \u00f6t\u0259n ilin uy\u011fun d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 75%, faiz g\u0259lirl\u0259ri is\u0259 34% art\u0131b.  <\/p>\n\n\n

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Unibank KB ASC-nin \u0130dar\u0259 Hey\u0259tinin s\u0259dri F\u0259rid Abu\u015fov <\/strong>2022-ci ilin Bank \u00fc\u00e7\u00fcn vacib il oldu\u011funu bildirib: \u201cUnibank\u0131n 30 illik yubiley ili kimi qeyd etdiyimiz 2022-ci il, bir s\u0131ra \u0259h\u0259miyy\u0259tli hadis\u0259l\u0259rl\u0259 yadda qald\u0131. 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 \u00f6t\u0259n 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 etdirib. Unibank <\/strong>\u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 yax\u0131ndan i\u015ftirakla yana\u015f\u0131, biznes\u0259 y\u00f6n\u0259lik m\u0259hsul v\u0259 xidm\u0259tl\u0259rin \u0259ks\u0259riyy\u0259tinin avtomatla\u015fd\u0131r\u0131lmas\u0131, bank xidm\u0259tl\u0259rind\u0259n k\u0259narda qalan \u0259halinin banka c\u0259lbi, b\u00fct\u00fcn sah\u0259l\u0259rd\u0259 r\u0259q\u0259msalla\u015fman\u0131n s\u00fcr\u0259tl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn ciddi investisiya layih\u0259l\u0259ri h\u0259yata ke\u00e7irib. Bu s\u0259rmay\u0259l\u0259r 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\u0259k, m\u00fc\u015ft\u0259ril\u0259rin bank m\u0259hsul v\u0259 xidm\u0259tl\u0259rind\u0259n istifad\u0259sini daha da yax\u015f\u0131la\u015fd\u0131rmaqla yana\u015f\u0131, bu ild\u0259n etibar\u0259n maliyy\u0259  n\u0259tic\u0259l\u0259rin\u0259 d\u0259 m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259r\u0259c\u0259kdir. Yat\u0131rd\u0131\u011f\u0131m\u0131z bu b\u00f6y\u00fck investisiyalar\u0131n n\u0259tic\u0259l\u0259ri yax\u0131n ill\u0259rd\u0259 daha a\u00e7\u0131q \u015f\u0259kild\u0259 hiss olunacaq. 2022-ci ild\u0259 h\u0259yata ke\u00e7iril\u0259n t\u0259dbirl\u0259r bank\u0131n vacib maliyy\u0259 g\u00f6st\u0259ricil\u0259rinin n\u0259z\u0259r\u0259\u00e7arpan art\u0131m\u0131n\u0131 da g\u00f6st\u0259rir. \u0130lin sonunda bank\u0131n aktivl\u0259ri \u00f6z tarixi maksimumuna \u00e7ataraq, 1,4 milyardmanat\u0131 \u00f6t\u00fcb. U\u011furla ba\u015fa \u00e7atd\u0131r\u0131lan kapitalla\u015fma prosesi n\u0259tic\u0259sind\u0259 bank\u0131n kapital\u0131 31milyon manata yax\u0131n art\u0131b.<\/em><\/p>\n\n\n\n

2023-c\u00fc il \u00fc\u00e7\u00fcn d\u0259 b\u00f6y\u00fck h\u0259d\u0259fl\u0259rimiz, yeni daxili inki\u015faf layih\u0259l\u0259rimiz v\u0259 m\u00fc\u015ft\u0259ril\u0259rimiz \u00fc\u00e7\u00fcn planlad\u0131\u011f\u0131m\u0131z  yenilikl\u0259r var. \u0130nan\u0131r\u0131q ki, bu il d\u0259 Unibank v\u0259 \u00fcmumilikd\u0259 \u00f6lk\u0259 bank sektoru \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli ill\u0259rd\u0259n biri olacaq<\/em>\u201d.   <\/p>\n\n\n\n

2022-ci il \u0259rzind\u0259 bank \u00f6lk\u0259 iqtisadiyyat\u0131n\u0131n maliyy\u0259 v\u0259saiti il\u0259 t\u0259minat\u0131nda aktiv i\u015ftirak\u0131n\u0131 davam etdirib. Hesabat d\u00f6vr\u00fcnd\u0259 Bank\u0131n kredit portfeli b\u00f6y\u00fcy\u00fcb. 2022-ci ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 ilin sonunda \u201cUnibank\u201d\u0131n \u00fcmumi kredit portfelinin h\u0259cmi  20% art\u0131b.<\/p>\n\n\n\n

H\u0259r zaman oldu\u011fu kimi \u00f6t\u0259n il d\u0259 biznesin kreditl\u0259\u015fm\u0259si Unibank \u00fc\u00e7\u00fcn prioritetl\u0259r s\u0131ras\u0131nda olub. \u00d6t\u0259n d\u00f6vrd\u0259 x\u00fcsus\u0259n biznesin kreditl\u0259\u015fm\u0259sin\u0259 diqq\u0259t art\u0131r\u0131l\u0131b. O c\u00fcml\u0259d\u0259n real sektora, ki\u00e7ik, orta sahibkarl\u0131\u011fa veril\u0259n kreditl\u0259rin h\u0259cmi 2021-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 56% art\u0131b. \u0130l \u0259rzind\u0259 biznes sektoruna ayr\u0131lm\u0131\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 336milyon manat t\u0259\u015fkil edib. Biznes kreditl\u0259ri portfeli 31 dekabr 2022-ci il tarixin\u0259 274 milyon manat t\u0259\u015fkil edib. 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 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 12%-\u0259 yax\u0131n art\u0131b.<\/p>\n\n\n\n

\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, 2022-ci il \u0259rzind\u0259 veril\u0259n mikrokreditl\u0259rin \u0259ks\u0259riyy\u0259ti bu xidm\u0259t vasit\u0259sil\u0259 ayr\u0131l\u0131b. \u0130l \u0259rzind\u0259 onlayn formada a\u00e7\u0131lan biznes hesablar\u0131n v\u0259 onlayn r\u0259smil\u0259\u015fdiril\u0259n kreditl\u0259rin say\u0131 n\u0259z\u0259r\u0259\u00e7arpacaq d\u0259r\u0259c\u0259d\u0259 art\u0131b. P\u0259rak\u0259nd\u0259 bank m\u00fc\u015ft\u0259ril\u0259rinin d\u0259 bank xidm\u0259tl\u0259rind\u0259 r\u0259q\u0259msal kanallara \u00fcst\u00fcnl\u00fck verm\u0259sind\u0259 ciddi art\u0131mlar qeyd\u0259 al\u0131n\u0131b.<\/a><\/p>\n\n\n\n

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 davam etdirir. Bu m\u0259qs\u0259dl\u0259 \u00f6t\u0259n il \u0259rzind\u0259 26 milyon manat ehtiyatlara ay\u0131rmalar edib.<\/a><\/p>\n\n\n\n

2022-ci ild\u0259 bank\u0131n dinamik inki\u015faf\u0131 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rinin art\u0131m\u0131nda da \u00f6z\u00fcn\u00fc g\u00f6st\u0259rib. Maliyy\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n, ilin sonuna \u201cUnibank\u201d\u0131n aktivl\u0259rin\u0131n h\u0259cmind\u0259 39% art\u0131m qeyd\u0259 al\u0131n\u0131b. Hesabat d\u00f6vr\u00fcn\u00fcn sonuna bank\u0131n xalis m\u0259nf\u0259\u0259ti 0,6 milyon manata yax\u0131n olub. Kapitalla\u015fma proqram\u0131n\u0131n u\u011furla ba\u015fa \u00e7atd\u0131r\u0131lmas\u0131n\u0131n n\u0259tic\u0259si olaraq, Bank\u0131n m\u0259cmu kapital\u0131 20% artaraq,  128milyon manata \u00e7at\u0131b. <\/p>\n\n\n\n

\u00d6t\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 \u201cUnibank\u201d\u0131n depozit portfeli d\u0259 xeyli b\u00f6y\u00fcy\u00fcb. \u00dcmumi depozit portfeli 286 milyonmanat artaraq, 31 dekabr  2022-ci il tarixin\u0259 <\/strong>990 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 verm\u0259kd\u0259 davam edir. 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 \u00f6t\u0259n il Unibank kartlar\u0131 \u00fczr\u0259 na\u011fds\u0131z \u0259m\u0259liyyatlar\u0131n say\u0131 5 d\u0259f\u0259 \u00e7oxal\u0131b, h\u0259cmi is\u0259 3d\u0259f\u0259d\u0259n \u00e7ox artaraq 8milyard manata \u00e7at\u0131b. \u00dcmumilikd\u0259 is\u0259 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 2022-ci ild\u0259 Unibank kart sahibl\u0259rinin say\u0131nda 86% art\u0131m olub.<\/p>\n\n\n\n

Unibank KB ASC 1992-ci ild\u0259n f\u0259aliyy\u0259t g\u00f6st\u0259rir. Bank\u0131n paytaxtda v\u0259 regionlarda UTM v\u0259 filiallardan ibar\u0259t geni\u015f xidm\u0259t \u015f\u0259b\u0259k\u0259si m\u00f6vcuddur. 30 ild\u0259 u\u011furlu kommersiya f\u0259aliyy\u0259ti v\u0259 sosial layih\u0259l\u0259rd\u0259 i\u015ftirak\u0131na g\u00f6r\u0259 beyn\u0259lxalq v\u0259 yerli t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n \u00e7oxsayl\u0131 m\u00fckafatlara layiq g\u00f6r\u00fcl\u00fcb.  <\/em><\/p>\n\n\n\n

Unibank-S\u0259nin Bank\u0131n!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Unibank \u00f6t\u0259n ilin maliyy\u0259 n\u0259tic\u0259l\u0259rini a\u00e7\u0131qlay\u0131b \u201cUnibank\u201d KB ASC 2022-ci il \u00fczr\u0259 \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rini a\u00e7\u0131qlay\u0131b. 31 dekabr 2022-ci il tarixin\u0259 Bank\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti 24.5milyon manat t\u0259\u015fkil edib. Hesabat d\u00f6vr\u00fc \u0259rzind\u0259 Bank\u0131n m\u0259cmu g\u0259lirl\u0259rind\u0259 ciddi…<\/p>\n","protected":false},"author":2,"featured_media":7218,"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\/7217"}],"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=7217"}],"version-history":[{"count":3,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7217\/revisions"}],"predecessor-version":[{"id":7221,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7217\/revisions\/7221"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/7218"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}