{"id":7421,"date":"2023-01-31T12:00:00","date_gmt":"2023-01-31T09:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=7421"},"modified":"2023-01-31T14:37:29","modified_gmt":"2023-01-31T11:37:29","slug":"unibank-ot%c9%99n-il-biznes-kreditl%c9%99sm%c9%99sini-k%c9%99skin-artirib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=7421","title":{"rendered":"Unibank \u00f6t\u0259n il biznes kreditl\u0259\u015fm\u0259sini k\u0259skin art\u0131r\u0131b"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Unibank \u00f6t\u0259n il biznes kreditl\u0259\u015fm\u0259sini k\u0259skin art\u0131r\u0131b<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/01\/relizyenilogo-1.jpg\" alt=\"\" class=\"wp-image-7218\" width=\"581\" height=\"365\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/01\/relizyenilogo-1.jpg 637w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/01\/relizyenilogo-1-300x188.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/01\/relizyenilogo-1-360x226.jpg 360w\" sizes=\"(max-width: 581px) 100vw, 581px\" \/><\/figure><\/div>\n\n\n<p>\u201cUnibank\u201d KB ASC 2022-ci il \u0259rzind\u0259 biznes kreditl\u0259\u015fm\u0259sin\u0259 x\u00fcsusi diqq\u0259t yetirib. Bank\u0131n tarixind\u0259 ilk d\u0259f\u0259 olaraq biznes kreditl\u0259ri portfeli <strong>31 dekabr 2022-ci il tarixin\u0259 274 milyon manat\u0131 \u00f6t\u00fcb. Bu \u0259vv\u0259lki ill\u0259 m\u00fcqayis\u0259d\u0259 32 milyon manata yax\u0131n art\u0131m dem\u0259kdir. \u00d6t\u0259n i<\/strong>l \u0259rzind\u0259 biznes sektoruna ayr\u0131lm\u0131\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 336milyon manat t\u0259\u015fkil edib. O c\u00fcml\u0259d\u0259n real sektora, ki\u00e7ik, orta sahibkarl\u0131\u011fa veril\u0259n kreditl\u0259rin h\u0259cmi 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 56% y\u00fcks\u0259lib. Hesabat d\u00f6vr\u00fcnd\u0259 t\u0259kc\u0259 d\u00f6vl\u0259t fondlar\u0131 hesab\u0131na maliyy\u0259l\u0259\u015f\u0259n g\u00fcz\u0259\u015ftli kreditl\u0259rin h\u0259cmi 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 8 % artaraq22 milyon manat olub. \u00a0Biznes\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 da 37% art\u0131b.<\/p>\n\n\n\n<p>Biznes \u00fczr\u0259 dig\u0259r g\u00f6st\u0259ricil\u0259rd\u0259 d\u0259 x\u00fcsusi art\u0131mlar var. Bel\u0259 ki, hesabla\u015fma kassa \u0259m\u0259liyyatlar\u0131 \u00fczr\u0259 32%, aktiv biznes m\u00fc\u015ft\u0259ril\u0259ri say\u0131nda 40%&nbsp; art\u0131m qeyd\u0259 al\u0131n\u0131b. \u00d6t\u0259n il biznes m\u00fc\u015ft\u0259ril\u0259ri hesablar\u0131nda qal\u0131q \u00fczr\u0259 art\u0131m&nbsp; 65% olub. Ki\u00e7ik, orta sahibkarlar \u00fczr\u0259 kredit sat\u0131\u015f art\u0131m\u0131 36.6%, i\u015fl\u0259k kredit portfelin art\u0131m\u0131 is\u0259 19.1% t\u0259\u015fkil edib. \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. T\u0259kc\u0259 onlayn kreditl\u0259rin sat\u0131\u015f\u0131nda 2021-ci ill\u0259 m\u0259bl\u0259\u011f olaraq m\u00fcqayis\u0259d\u0259 2022-ci ild\u0259 92% art\u0131m var. Biznes sahibl\u0259ri \u00fc\u00e7\u00fcn 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.&nbsp;<\/p>\n\n\n\n<p>Biznes\u0259 y\u00f6n\u0259ldil\u0259n kreditl\u0259rin i\u00e7\u0259risind\u0259 mikrokreditl\u0259rin x\u00fcsusi \u00e7\u0259kisi d\u0259 k\u0259skin art\u0131b. 2022-ci ild\u0259 mikrokedit portfelind\u0259 2021-ci ill\u0259 m\u00fcqayis\u0259d\u0259 74 % art\u0131m qeyd\u0259 al\u0131n\u0131b. \u018fvv\u0259lki il\u0259 baxd\u0131qda, 2022-ci il \u0259rzind\u0259 veril\u0259n mikrokreditl\u0259rin h\u0259cmi m\u0259bl\u0259\u011f olaraq 81%-d\u0259k, say\u0131 is\u0259 61% art\u0131b.&nbsp;2020-ci ill\u0259 m\u00fcqayis\u0259d\u0259 is\u0259 \u00f6t\u0259n il veril\u0259n mikrokreditl\u0259rin m\u0259bl\u0259\u011find\u0259 229%, say\u0131nda is\u0259 170% art\u0131m olub.&nbsp;<\/p>\n\n\n\n<p>\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, \u00f6t\u0259n il \u0259rzind\u0259 ayr\u0131lan mikrokreditl\u0259rin b\u00f6y\u00fck hiss\u0259si&nbsp; avtomatla\u015fd\u0131r\u0131lm\u0131\u015f formada h\u0259yata ke\u00e7irilib. 2022-ci ild\u0259 veril\u0259n kreditl\u0259rin 99%-i plan\u015fet \u00fcsulu il\u0259 r\u0259smil\u0259\u015fdirilib. Plan\u015fetl\u0259rd\u0259 t\u0259tbiq olunan skorinq sistemi is\u0259 \u00f6t\u0259n il sahibkarlar\u0131n kredit almas\u0131n\u0131 d\u0259f\u0259l\u0259rl\u0259 asanla\u015fd\u0131r\u0131b. Scorinqin vasit\u0259sil\u0259 bank \u0259m\u0259kda\u015f\u0131 r\u0259q\u0259ml\u0259ri plan\u015fet\u0259 \u0259lav\u0259 etm\u0259kl\u0259, m\u00fc\u015ft\u0259rini avtomatik analiz ed\u0259r\u0259k an\u0131nda ona ayr\u0131lacaq kreditin m\u0259bl\u0259\u011fini v\u0259 \u015f\u0259rtl\u0259rini t\u0259yin ed\u0259 bilir.&nbsp; \u00d6t\u0259n il r\u0259smil\u0259\u015fdiril\u0259n mikrokreditl\u0259rin say bax\u0131m\u0131ndan 55%-i skorinq sistemi il\u0259 verilib.&nbsp; &nbsp;<\/p>\n\n\n\n<p>Unibank- S\u0259nin Bank\u0131n!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unibank \u00f6t\u0259n il biznes kreditl\u0259\u015fm\u0259sini k\u0259skin art\u0131r\u0131b \u201cUnibank\u201d KB ASC 2022-ci il \u0259rzind\u0259 biznes kreditl\u0259\u015fm\u0259sin\u0259 x\u00fcsusi diqq\u0259t yetirib. Bank\u0131n tarixind\u0259 ilk d\u0259f\u0259 olaraq biznes kreditl\u0259ri portfeli 31 dekabr 2022-ci il tarixin\u0259 274 milyon manat\u0131 \u00f6t\u00fcb&#8230;.<\/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\/7421"}],"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=7421"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7421\/revisions"}],"predecessor-version":[{"id":7422,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7421\/revisions\/7422"}],"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=7421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}