{"id":7879,"date":"2023-02-13T07:00:00","date_gmt":"2023-02-13T04:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=7879"},"modified":"2023-02-13T13:47:23","modified_gmt":"2023-02-13T10:47:23","slug":"%c9%99ld%c9%99-edil%c9%99nl%c9%99r-v%c9%99-yaxin-g%c9%99l%c9%99c%c9%99k-ucun-planlasdirilanlar-bankin-g%c9%99l%c9%99c%c9%99yin%c9%99-inam-yaradir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=7879","title":{"rendered":"\u018fld\u0259 edil\u0259nl\u0259r v\u0259 yax\u0131n g\u0259l\u0259c\u0259k \u00fc\u00e7\u00fcn planla\u015fd\u0131r\u0131lanlar Bank\u0131n g\u0259l\u0259c\u0259yin\u0259 inam yarad\u0131r"},"content":{"rendered":"\n

\u201c\u018fld\u0259 edil\u0259nl\u0259r v\u0259 yax\u0131n g\u0259l\u0259c\u0259k \u00fc\u00e7\u00fcn planla\u015fd\u0131r\u0131lanlar Bank\u0131n g\u0259l\u0259c\u0259yin\u0259 inam yarad\u0131r.\u201d: AccessBank-\u0131n M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n \u00fczv\u00fc Dariu\u015f Kaspr\u015fik il\u0259 m\u00fcsahib\u0259<\/strong><\/p>\n\n\n

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Dariu\u015f Kaspr\u015fik<\/strong>
M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n \u00fczv\u00fc<\/figcaption><\/figure><\/div>\n\n\n
    \n
  • C\u0259nab Kaspr\u015fik, sizc\u0259, son ill\u0259r ba\u015f ver\u0259n hadis\u0259l\u0259r Az\u0259rbaycan\u0131n bank sektoruna nec\u0259 t\u0259sir edib? \u00dcmumiyy\u0259tl\u0259, banklar f\u0259aliyy\u0259tl\u0259rind\u0259 daha \u00e7ox n\u0259y\u0259 diqq\u0259t etm\u0259lidirl\u0259r ?<\/strong><\/li>\n<\/ul>\n\n\n\n

    Haz\u0131rda bank ekosistemi kifay\u0259t q\u0259d\u0259r m\u00fcr\u0259kk\u0259bdir v\u0259 bazar banklar qar\u015f\u0131s\u0131nda iddial\u0131 m\u0259qs\u0259dl\u0259r qoyur. Banklara t\u0259sir ed\u0259n amill\u0259r \u00e7oxdur, o c\u00fcml\u0259d\u0259n geosiyasi t\u0259lat\u00fcml\u0259r, qiym\u0259t d\u0259yi\u015fiklikl\u0259ri,  resurs q\u0131tl\u0131\u011f\u0131… Bundan \u0259lav\u0259, h\u0259m t\u0259nziml\u0259yicil\u0259r, h\u0259m d\u0259 m\u00fc\u015ft\u0259ril\u0259r t\u0259r\u0259find\u0259n ESG standartlar\u0131n\u0131n \u2013 \u0259traf m\u00fchit, sosial v\u0259 korporativ idar\u0259etm\u0259nin q\u0259bulu v\u0259 t\u0259tbiqi \u00fc\u00e7\u00fcn t\u0259zyiq art\u0131r. Bank sektorunda 30 illik t\u0259cr\u00fcb\u0259m\u0259 \u0259saslanaraq a\u015fa\u011f\u0131dak\u0131lar\u0131 qeyd ed\u0259rdim:

    – \u201cQara qu qu\u015fu\u201d n\u0259z\u0259riyy\u0259si \u00e7\u0259tin proqnozla\u015fd\u0131r\u0131lan v\u0259 nadir hallarda ba\u015f ver\u0259n, amma m\u00fch\u00fcm t\u0259sir\u0259 malik hadis\u0259l\u0259ri ehtiva edir.  Az\u0259rbaycan\u0131n bank sektoru n\u0259z\u0259r\u0259 almal\u0131d\u0131r ki, qlobal s\u0259viyy\u0259d\u0259 \u201cqara qu qu\u015flar\u0131\u201d var. M\u0259s\u0259l\u0259n, son ill\u0259r ba\u015f ver\u0259n pandemiya v\u0259 h\u0259rbi konfliktl\u0259r. Bel\u0259 xo\u015fag\u0259lm\u0259z hadis\u0259l\u0259rin t\u0259krarlanmayaca\u011f\u0131na \u0259minlik yoxdur. Ona g\u00f6r\u0259 d\u0259 bankirl\u0259r h\u0259r zaman haz\u0131r olmal\u0131d\u0131rlar.

    – M\u00f6vcud r\u0259q\u0259msalla\u015fma v\u0259 qloballa\u015fma b\u00f6y\u00fck imkanlar yarad\u0131r. Lakin eyni zamanda h\u0259m d\u0259 texnologiyayaya, kibert\u0259hl\u00fck\u0259sizlik t\u0259dbirl\u0259rin\u0259 investisiya t\u0259l\u0259b edir. M\u00fcsb\u0259t c\u0259h\u0259t odur ki, bu investisiyalar banklarda  bir \u00e7ox prosesl\u0259rin avtomatla\u015fd\u0131r\u0131lmas\u0131n\u0131 asanla\u015fd\u0131racaq v\u0259 m\u00fc\u015ft\u0259ril\u0259rin \u00f6z\u00fcn\u0259xidm\u0259t imkanlar\u0131n\u0131 geni\u015fl\u0259ndir\u0259c\u0259k. Bu, son n\u0259tic\u0259d\u0259 g\u00fcnd\u0259lik bank\u00e7\u0131l\u0131\u011f\u0131 daha az x\u0259rcli ed\u0259c\u0259k.<\/p>\n\n\n\n

    – D\u0259yi\u015f\u0259n m\u00fchit\u0259, innovasiyalara, texnologiyalara, yeni bank modell\u0259ri v\u0259 m\u0259hsullar\u0131na baxmayaraq, \u0259sas aspekt d\u0259yi\u015fm\u0259z olaraq qal\u0131r: maliyy\u0259 f\u0259aliyy\u0259tind\u0259 \u0259n d\u0259y\u0259rli \u015fey etibard\u0131r – qurulmal\u0131 v\u0259 m\u0259hv edilm\u0259sin\u0259 icaz\u0259 verilm\u0259y\u0259n d\u0259y\u0259r.<\/p>\n\n\n\n

      \n
    • Sizc\u0259, AccessBank son ill\u0259rin bazar t\u0259lat\u00fcm\u00fcn\u00fcn\u00fcn \u00f6hd\u0259sind\u0259n yax\u015f\u0131 g\u0259lib? \u018fg\u0259r bel\u0259dirs\u0259, \u0259sas s\u0259b\u0259b n\u0259dir?<\/strong><\/li>\n<\/ul>\n\n\n\n

      \u00dc\u00e7 ild\u0259n art\u0131qd\u0131r ki, AccessBank-\u0131n M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n \u00fczv\u00fcy\u0259m. Bu m\u00fcdd\u0259t \u0259rzind\u0259, bel\u0259 \u00e7\u0259tin \u015f\u0259raitd\u0259 ir\u0259lil\u0259yi\u015f \u0259ld\u0259 ed\u0259n komandaya heyranl\u0131qla bax\u0131ram. H\u0259mkarlar\u0131m\u0131n h\u0259v\u0259s v\u0259 ist\u0259kl\u0259rini y\u00fcks\u0259k qiym\u0259tl\u0259ndirir\u0259m. AccessBank-\u0131n davaml\u0131 inki\u015faf\u0131n\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn realla\u015fd\u0131r\u0131lan v\u0259 planla\u015fd\u0131r\u0131lan d\u0259yi\u015fiklikl\u0259r g\u00f6r\u00fcr\u0259m. \u018fmin\u0259m ki, \u00e7\u0259tin d\u00f6vr\u00fc u\u011furla ke\u00e7\u0259 bilmi\u015fik v\u0259 yeni m\u0259rh\u0259l\u0259 \u00fc\u00e7\u00fcn m\u00f6hk\u0259m z\u0259minimiz var. AccessBank-\u0131n 20 illik yubileyi bir t\u0259r\u0259fd\u0259n z\u0259ruri restrukturizasiyan\u0131n ba\u015fa \u00e7atmas\u0131, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 yeni d\u00f6vr\u00fcn ba\u015flan\u011f\u0131c\u0131 kimi \u0259la f\u00fcrs\u0259tdir. \u015e\u0259xs\u0259n m\u0259n bu transformasiyan\u0131n \u015fahidi v\u0259 i\u015ftirak\u00e7\u0131s\u0131 oldu\u011fum \u00fc\u00e7\u00fcn xo\u015fb\u0259xt\u0259m. Art\u0131q \u0259ld\u0259 edil\u0259nl\u0259r v\u0259 yax\u0131n g\u0259l\u0259c\u0259k \u00fc\u00e7\u00fcn planla\u015fd\u0131r\u0131lanlar AccessBank-\u0131n g\u0259l\u0259c\u0259yin\u0259 inam yarad\u0131r.<\/p>\n\n\n\n

        \n
      • Yax\u0131n be\u015f ild\u0259 AccessBank-dan n\u0259 g\u00f6zl\u0259yirsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n

        Hesab edir\u0259m ki, AccessBank son vaxtlar \u00e7ox b\u00f6y\u00fck ir\u0259lil\u0259yi\u015f \u0259ld\u0259 edib v\u0259 inamla inki\u015faf yolundad\u0131r. Bu, g\u0259l\u0259c\u0259k inki\u015faf \u00fc\u00e7\u00fcn fundamental nailiyy\u0259tdir.<\/p>\n\n\n\n

        Bank daim d\u0259yi\u015f\u0259n m\u00fchit\u0259 uy\u011funla\u015fmal\u0131d\u0131r. Bu, ilk n\u00f6vb\u0259d\u0259 komanda \u00fczvl\u0259rinin pe\u015f\u0259kar haz\u0131rl\u0131\u011f\u0131na, f\u0259dakarl\u0131\u011f\u0131na v\u0259 ortaq m\u0259suliyy\u0259tin\u0259 aiddir. Komplayns, riskl\u0259rin idar\u0259 edilm\u0259si m\u0259s\u0259l\u0259l\u0259ri v\u0259 s. il\u0259 ba\u011fl\u0131 prudensial qaydalar yenil\u0259nm\u0259lidir. Uy\u011funla\u015fmadan dan\u0131\u015fm\u0131\u015fk\u0259n, g\u0259l\u0259c\u0259k r\u0259q\u0259msalla\u015fma, \u0259m\u0259liyyat d\u0259qiqliyi, m\u0259hsul inki\u015faf\u0131 \u00fc\u00e7\u00fcn texnologiyaya da investisiya edilm\u0259lidir.<\/p>\n\n\n\n

        Z\u0259nnimc\u0259, AccessBank p\u0259rak\u0259nd\u0259 sat\u0131\u015f sektorunda yeni m\u00fc\u015ft\u0259ril\u0259r c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn m\u0259hsullar\u0131n\u0131n innovativ  olmas\u0131 bax\u0131m\u0131ndan daha aktiv olmal\u0131d\u0131r. \u00c7\u00fcnki m\u00fc\u015ft\u0259ri portfelinin, h\u0259m\u00e7inin riskl\u0259rin \u015fax\u0259l\u0259ndirilm\u0259si \u00e7ox vacibdir. Eyni zamanda, mikro sahibkarlar\u0131, o c\u00fcml\u0259d\u0259n k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131nda i\u015fl\u0259y\u0259nl\u0259ri unutmaq olmaz. N\u00f6vb\u0259ti ill\u0259rd\u0259 bank\u0131n davaml\u0131 inki\u015faf\u0131n\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn m\u00fcxt\u0259lif sektorlardan olan m\u00fc\u015ft\u0259ril\u0259rl\u0259 i\u015fd\u0259 tarazl\u0131\u011f\u0131 qorumaq \u00e7ox vacibdir.<\/p>\n\n\n\n

        \u0130nan\u0131ram ki, son ill\u0259rd\u0259 \u0259ld\u0259 edilmi\u015f n\u0259tic\u0259l\u0259r, h\u0259v\u0259sli komanda v\u0259 laz\u0131mi investisiyalarla AccessBank \u00e7evik v\u0259 u\u011furlu innovator olaraq qalacaq v\u0259 bazar liderl\u0259rind\u0259n biri kimi m\u00f6vqeyini m\u00f6hk\u0259ml\u0259ndir\u0259c\u0259k. \u00d6z n\u00f6vb\u0259md\u0259 AccessBank komandas\u0131 il\u0259 i\u015fl\u0259m\u0259y\u0259 v\u0259 onlar\u0131n b\u00fct\u00fcn s\u0259yl\u0259rini d\u0259st\u0259kl\u0259m\u0259y\u0259 davam ed\u0259c\u0259y\u0259m. Nec\u0259 dey\u0259rl\u0259r – ham\u0131m\u0131za u\u011furlar!<\/p>\n\n\n\n


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

        \u201c\u018fld\u0259 edil\u0259nl\u0259r v\u0259 yax\u0131n g\u0259l\u0259c\u0259k \u00fc\u00e7\u00fcn planla\u015fd\u0131r\u0131lanlar Bank\u0131n g\u0259l\u0259c\u0259yin\u0259 inam yarad\u0131r.\u201d: AccessBank-\u0131n M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n \u00fczv\u00fc Dariu\u015f Kaspr\u015fik il\u0259 m\u00fcsahib\u0259 Haz\u0131rda bank ekosistemi kifay\u0259t q\u0259d\u0259r m\u00fcr\u0259kk\u0259bdir v\u0259 bazar banklar qar\u015f\u0131s\u0131nda iddial\u0131 m\u0259qs\u0259dl\u0259r qoyur. Banklara t\u0259sir ed\u0259n…<\/p>\n","protected":false},"author":2,"featured_media":7880,"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\/7879"}],"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=7879"}],"version-history":[{"count":4,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7879\/revisions"}],"predecessor-version":[{"id":7887,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/7879\/revisions\/7887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/7880"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}