{"id":158941,"date":"2021-01-25T22:46:40","date_gmt":"2021-01-25T18:46:40","guid":{"rendered":"http:\/\/hakimiyyet.info.az\/?p=158941"},"modified":"2021-01-25T22:46:40","modified_gmt":"2021-01-25T18:46:40","slug":"beyn%c9%99lxalq-bankda-n%c9%99-bas-verir-ekspert-aciqladi","status":"publish","type":"post","link":"https:\/\/hakimiyyet.info.az\/?p=158941","title":{"rendered":"Beyn\u0259lxalq Bankda n\u0259 ba\u015f verir? &#8211; Ekspert A\u00c7IQLADI"},"content":{"rendered":"<div><b>Beyn\u0259lxalq Bank \u00f6t\u0259n il d\u00f6vl\u0259t b\u00fcdc\u0259sin\u0259 150 milyon manat m\u0259bl\u0259\u011find\u0259 dividend \u00f6d\u0259yib.<\/b><\/div>\n<div><b>Qaynarinfo\u00a0<\/b>x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisad\u00e7\u0131 ekspert R\u00f6v\u015f\u0259n A\u011fayev m\u0259lumat verib.<\/div>\n<div><em><strong>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, 2020-ci ild\u0259 xalis m\u0259nf\u0259\u0259t faktiki \u00f6d\u0259n\u0259n dividendd\u0259n 20.6 mln. manat az (xalis m\u0259nf\u0259\u0259t 129.4 mln. manat t\u0259\u015fkil edib) oldu\u011fu \u00fc\u00e7\u00fcn dividend \u00f6d\u0259ni\u015finin xalis m\u0259nf\u0259\u0259td\u0259 art\u0131q hiss\u0259sinin avans formas\u0131nada \u00f6d\u0259ndiyini d\u0259 dey\u0259 bil\u0259rik:\u00a0<\/strong><\/em><\/div>\n<div>\u201c\u018fslind\u0259 anla\u015f\u0131land\u0131r, \u00e7\u00fcnki 2020-ci ild\u0259 Az\u0259rbaycan\u0131n son 20 ild\u0259 \u0259n b\u00f6y\u00fck b\u00fcdc\u0259 defisiti il\u0259 \u00fczl\u0259\u015fm\u0259si h\u00f6kum\u0259tin ciddi maliyy\u0259 ehtiyaclar\u0131n\u0131n oldu\u011funu, b\u00fct\u00fcn m\u00fcmk\u00fcn resurslar\u0131 b\u00fcdc\u0259y\u0259 c\u0259lb etdiyini g\u00f6st\u0259rir\u201d.<\/div>\n<div>\n<p><em><strong>Ekspert Bank\u0131n 2020-ci ilin maliyy\u0259 g\u00f6st\u0259ricil\u0259ril\u0259 ba\u011fl\u0131 b\u0259zi m\u0259qamlar\u0131 da a\u00e7\u0131qlay\u0131b:<\/strong><\/em><\/p>\n<p>\u201cBank\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 verdiyi kreditl\u0259rin g\u0259lirlilik d\u0259r\u0259c\u0259si t\u0259xmin\u0259n art\u0131b \u2013 8,5%-d\u0259n 9.3%-\u0259.<\/p>\n<p>Banklarda v\u0259 dig\u0259r maliyy\u0259 institutlar\u0131nda yerl\u0259\u015fdirdiyi depozit portfelinin g\u0259lirlilik s\u0259viyy\u0259si \u0259ksin\u0259 azal\u0131b \u2013 5.2%-d\u0259n 3.9%-\u0259.<\/p>\n<p>Ticar\u0259t v\u0259 investisiya qiym\u0259tli ka\u011f\u0131zlar\u0131 \u00fczr\u0259 investisiya portfelinin d\u0259 g\u0259lirlilik s\u0259viyy\u0259si 4.9%-d\u0259n 3.8%-\u0259 enib.<\/p>\n<p>Bank\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 verdiyi kreditl\u0259r 234 mln. manat (t\u0259xmin\u0259n 10%) art\u0131b. Bu art\u0131mlar\u0131n c\u0259mi 71 mln. manat\u0131 v\u0259 ya 30%-i biznes kreditl\u0259r hesab\u0131na ba\u015f verib. Yerd\u0259 qalan 70% (163 mln. manat) istehlak kreditl\u0259rinin v\u0259 da\u015f\u0131nmaz \u0259mlak kreditl\u0259rinin geni\u015fl\u0259m\u0259si n\u0259tic\u0259sind\u0259 ba\u015f verib\u2026\u201d<\/p>\n<p><em><strong>Ekspertin hesablamalar\u0131na g\u00f6r\u0259, 2015-ci ild\u0259 h\u00f6kum\u0259tin iflas\u0131n kandar\u0131ndan qaytard\u0131\u011f\u0131, \u00f6lk\u0259nin bank sektorunun \u0259n b\u00f6y\u00fck oyun\u00e7usu Beyn\u0259lxalq Bank\u0131n m\u0259nf\u0259\u0259ti 2 d\u0259f\u0259 azal\u0131b:<\/strong><\/em><\/p>\n<p>\u201cBank\u0131n m\u0259nf\u0259\u0259ti t\u0259xmin\u0259n 2 d\u0259f\u0259 azal\u0131b (374.8 mln. manatdan 182.8 mln. manata enib). Bu azalmada h\u0259m g\u0259lirl\u0259rin azalmas\u0131, h\u0259m d\u0259 x\u0259rcl\u0259rin art\u0131m\u0131 rol oynay\u0131b. Amma x\u0259rcl\u0259rin art\u0131m\u0131n\u0131n t\u0259siri daha \u00e7ox olub. Bel\u0259 ki, bank\u0131n faiz v\u0259 qeyri-faiz g\u0259lirl\u0259rinin c\u0259mi birlikd\u0259 55.7 (10.5%) mln. manat azald\u0131\u011f\u0131 halda, faiz v\u0259 qeyri-faiz x\u0259rcl\u0259ri birlikd\u0259 64.5 mln. manat (24.5%) art\u0131b.<\/p>\n<p>M\u0259nf\u0259\u0259tin azalmas\u0131n\u0131n dig\u0259r bir s\u0259b\u0259bi aktivl\u0259rin keyfiyy\u0259tinin pisl\u0259\u015fm\u0259sind\u0259n qaynaqlan\u0131r. Bel\u0259 ki, 2019-cu ild\u0259 aktivl\u0259rin keyfiyy\u0259tinin yax\u015f\u0131la\u015fmas\u0131 53.3 mln. manat m\u00fcmk\u00fcn z\u0259r\u0259r \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan ehtiyatlar g\u0259lir kimi m\u0259nf\u0259\u0259tin art\u0131m\u0131na y\u00f6n\u0259ltm\u0259y\u0259 imkan vermi\u015fdis\u0259, 2020-ci ild\u0259 \u0259ks proses ba\u015f verib: aktivl\u0259rin keyfiyy\u0259tinin pisl\u0259\u015fm\u0259si 20.4 mln. manat\u0131 x\u0259rc qismind\u0259 m\u0259nf\u0259\u0259td\u0259n z\u0259r\u0259rin azald\u0131lmas\u0131na y\u00f6n\u0259ldilm\u0259sin\u0259 s\u0259b\u0259b olub.<\/p>\n<p>N\u0259tic\u0259d\u0259 xalis m\u0259nf\u0259\u0259t (vergid\u0259n sonrak\u0131) daha \u00e7ox (2.3 d\u0259f\u0259) azal\u0131b \u2013 302.3 mln. manatdan 129.4 mln. manata enib\u201d.<\/p>\n<p>Bu arada yay\u0131lan m\u0259lumatlara g\u00f6r\u0259, Beyn\u0259lxalq Bankdan pensiya\u00e7\u0131lar\u0131n v\u0259 m\u00fcavin\u0259t alanlar\u0131n ba\u015fqa banklara k\u00f6\u00e7\u00fcr\u00fclm\u0259si prosesi gedir. Ehtimal olunur ki, Beyn\u0259lxalq Bank yax\u0131n zamanlarda \u00f6z\u0259ll\u0259\u015fdirilm\u0259y\u0259 \u00e7\u0131xar\u0131lacaq. Bank\u0131n xidm\u0259t etdiyi m\u00fc\u015ft\u0259ril\u0259rin ba\u015fqa banklara k\u00f6\u00e7\u00fcr\u00fclm\u0259si prosesind\u0259 m\u0259qs\u0259d Beyn\u0259lxalq Bank\u0131n qiym\u0259tini a\u015fa\u011f\u0131 salmaqd\u0131r\u2026<\/p>\n<p><strong>&#8220;Hakimiyyet.com&#8221;<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Beyn\u0259lxalq Bank \u00f6t\u0259n il d\u00f6vl\u0259t b\u00fcdc\u0259sin\u0259 150 milyon manat m\u0259bl\u0259\u011find\u0259 dividend \u00f6d\u0259yib. Qaynarinfo\u00a0x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 iqtisad\u00e7\u0131 ekspert R\u00f6v\u015f\u0259n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":158942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,15,4,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158941"}],"collection":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=158941"}],"version-history":[{"count":1,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158941\/revisions"}],"predecessor-version":[{"id":158943,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/158941\/revisions\/158943"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/media\/158942"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=158941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=158941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=158941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}