{"id":784891,"date":"2025-02-01T10:07:46","date_gmt":"2025-02-01T06:07:46","guid":{"rendered":"https:\/\/arantv.az\/?p=784891"},"modified":"2025-02-01T10:07:46","modified_gmt":"2025-02-01T06:07:46","slug":"az%c9%99rbaycanda-problemli-kreditl%c9%99r-artacaq-s%c9%99rh","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=784891","title":{"rendered":"Az\u0259rbaycanda problemli kreditl\u0259r artacaq? – \u015e\u0259rh"},"content":{"rendered":"

\u0130qtisad\u00e7\u0131 ekspertl\u0259r yax\u0131n m\u00fcdd\u0259t \u00fc\u00e7\u00fcn depozit v\u0259 kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 probleml\u0259r haqda\u00a0<\/strong><\/h2>\n

Bu il yanvar\u0131n 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 449,1 milyon manat t\u0259\u015fkil edib. \u201cYeni M\u00fcsavat\u201d Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n m\u0259lumatlar\u0131na \u0259sas\u0259n x\u0259b\u0259r verir ki, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 2,6 faiz \u00e7oxdur –\u00a0 h\u0259min vaxt problemli kreditl\u0259rin h\u0259cmi 437,8 milyon manat t\u0259\u015fkil etmi\u015fdi.<\/strong><\/p>\n

M\u0259lumata g\u00f6r\u0259, 2024-c\u00fc il yanvar\u0131n 1-n\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,5\u00a0 faiz t\u0259\u015fkil edib. \u00dcmumi kredit portfelind\u0259 problemli kreditl\u0259rin pay\u0131n\u0131n azalmas\u0131 portfelin \u00f6z\u00fcn\u00fcn h\u0259cmind\u0259ki art\u0131mla ba\u011fl\u0131d\u0131r. Bel\u0259 ki, 2025-ci ilin 1 yanvar\u0131nda Az\u0259rbaycanda b\u00fct\u00fcn m\u0259nb\u0259l\u0259rd\u0259n(banklar, bank olmayan kredit t\u0259\u015fkilatlar\u0131, kredit ittifaqlar\u0131) kredit qoyulu\u015flar\u0131n\u0131n \u00fcmumi h\u0259cmi 29 milyard 288,2 milyon manat t\u0259\u015fkil edib.\u00a0 Bu, 2024-c\u00fc ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 5 milyard 309,1 milyon manat v\u0259 ya 22,1 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 \u0259n \u00e7ox art\u0131m ev t\u0259s\u0259rr\u00fcfatlar\u0131na veril\u0259n kreditl\u0259rd\u0259dir. 2024-c\u00fc ilin \u0259vv\u0259lind\u0259 14 milyard manat olan bu kreditl\u0259r 2025-ci ilin \u0259vv\u0259lind\u0259 17 milyard 31 milyon manata y\u00fcks\u0259lib.<\/p>\n

Ayr\u0131 g\u00f6t\u00fcrd\u00fckd\u0259, 2024-c\u00fc ild\u0259 banklar\u0131n kredit portfeli 4 milyard 294.7 milyon manat art\u0131b.\u00a0 Bu art\u0131m\u0131n b\u00f6y\u00fck hiss\u0259si biznes kreditl\u0259rind\u0259n (2 milyard 170.4 milyon manat), istehlak kreditl\u0259rind\u0259n (1 milyard 508 milyon manat) v\u0259 ipoteka kreditl\u0259rind\u0259n (616.4 milyon manat) \u0259ld\u0259 edilib.\u00a0 \u00d6t\u0259n il \u0259rzind\u0259 banklar istehlak kreditl\u0259rini 18.2 faiz art\u0131raraq 14 milyard 787 milyon manata \u00e7atd\u0131r\u0131blar.<\/p>\n

Qeyd ed\u0259k ki, 2015-2016-c\u0131 ill\u0259rd\u0259ki devalvasiya n\u0259tic\u0259sind\u0259 yaranan problemli kredit b\u00f6hran\u0131ndan sonra Az\u0259rbaycanda bel\u0259 kreditl\u0259rin h\u0259cmi, dem\u0259k olar ki, h\u0259r il azal\u0131b. Buna g\u00f6r\u0259 d\u0259 \u00f6t\u0259n il art\u0131m\u0131n qeyd\u0259 al\u0131nmas\u0131 m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 statistikadan ayd\u0131n olur ki, \u00f6t\u0259n il problemli kreditl\u0259rl\u0259 yana\u015f\u0131, istehlak kreditl\u0259rinin faizl\u0259rind\u0259 d\u0259 art\u0131m qeyd\u0259 al\u0131n\u0131b. Bel\u0259 ki, 2025-ci il 1 yanvar tarixin\u0259 istehlak kreditl\u0259rinin milli valyutada, orta faiz d\u0259r\u0259c\u0259si – kredit kart\u0131 vasit\u0259sil\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 26 faiz, m\u0259i\u015f\u0259t avadanl\u0131qlar\u0131n\u0131n al\u0131nmas\u0131 il\u0259 ba\u011fl\u0131 olan kreditl\u0259r \u00fczr\u0259 25 faiz, ya\u015fay\u0131\u015f sah\u0259sinin t\u0259miri il\u0259 ba\u011fl\u0131 olan kreditl\u0259r \u00fczr\u0259 16 faiz, avtomobil kreditl\u0259ri \u00fczr\u0259 10 faiz v\u0259 dig\u0259r istehlak kreditl\u0259ri \u00fczr\u0259 20 faiz t\u0259\u015fkil edib. Bu is\u0259 o dem\u0259kdir ki, illik m\u00fcqayis\u0259d\u0259 istehlak kreditl\u0259rinin milli valyutada orta faiz d\u0259r\u0259c\u0259si – ya\u015fay\u0131\u015f sah\u0259sinin t\u0259miri il\u0259 ba\u011fl\u0131 olan kreditl\u0259r v\u0259 avtomobil kreditl\u0259ri 1 faiz b\u0259ndi azal\u0131b, kredit kart\u0131 vasit\u0259si il\u0259 veril\u0259n kreditl\u0259rd\u0259 2 faiz b\u0259ndi, dig\u0259r istehlak kreditl\u0259rind\u0259 is\u0259 3 faiz b\u0259ndi art\u0131b. Bu d\u00f6vrd\u0259 m\u0259i\u015f\u0259t avadanl\u0131qlar\u0131n\u0131n al\u0131nmas\u0131 il\u0259 ba\u011fl\u0131 olan kreditl\u0259rin faizi d\u0259yi\u015fm\u0259yib.<\/strong><\/p>\n

Bank olmayan kredit t\u0259\u015fkilatlar\u0131 (BOKT) t\u0259r\u0259find\u0259n veril\u0259n istehlak kreditl\u0259ri \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si is\u0259 35 faiz t\u0259\u015fkil edib. Bu faiz d\u0259r\u0259c\u0259si g\u00fcnd\u0259lik (q\u0131sam\u00fcdd\u0259tli), ya\u015fay\u0131\u015f sah\u0259sinin al\u0131nmas\u0131 v\u0259 tikintisin\u0259 verilmi\u015f kreditl\u0259r\u0259 aid edilmir.<\/p>\n

\u0130stehlak kreditl\u0259rinin faizl\u0259rind\u0259ki art\u0131m \u00f6lk\u0259 \u00fczr\u0259 banklar\u0131n faiz g\u0259lirl\u0259rind\u0259 art\u0131ma m\u00fch\u00fcm t\u0259sir edib. Bel\u0259 ki, 2025-ci il yanvar\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n faiz g\u0259lirl\u0259ri 3 milyard 969,8 milyon manat olub. H\u0259min g\u00f6st\u0259rici\u00a0 \u00f6t\u0259n ilin dekabr\u0131n 1-n\u0259 olan d\u00f6vr il\u0259 m\u00fcqayis\u0259d\u0259 371,2 milyon manat v\u0259 ya 10 faiz, \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 476,9 milyon manat v\u0259 ya 14 faiz \u00e7oxdur. 2024-c\u00fc il\u00a0 yanvar\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n faiz g\u0259lirl\u0259ri 3 milyard 492,9 milyon manat olmu\u015fdu.<\/p>\n

\"M\u0259hk\u0259m\u0259-h\u00fcquq<\/p>\n

 <\/p>\n

Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssis \u018fkr\u0259m H\u0259s\u0259novun \u201cYeni M\u00fcsavata\u201da dediyin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin artmas\u0131n\u0131n bir ne\u00e7\u0259 s\u0259b\u0259bi var: \u201cBirinci s\u0259b\u0259b odur ki, kreditl\u0259rin h\u0259cmi art\u0131b. Y\u0259ni veril\u0259n kreditl\u0259r art\u0131rsa, riskl\u0259r d\u0259 art\u0131r. \u0130kinci v\u0259 m\u0259nim fikrimc\u0259, daha real s\u0259b\u0259b \u00f6lk\u0259d\u0259 iqtisadi v\u0259ziyy\u0259tin pisl\u0259\u015fm\u0259si, biznesin, \u0259halinin \u00f6d\u0259ni\u015f qabiliyy\u0259tinin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sidir. \u0130nflyasiya gedir, x\u0259rcl\u0259r art\u0131r, g\u0259lirl\u0259rin art\u0131m\u0131 bunlardan z\u0259if oldu\u011funa g\u00f6r\u0259 \u0259halinin v\u0259 biznesin borc qaytarmaq imkanlar\u0131 m\u0259hdudla\u015f\u0131r\u201d.<\/p>\n

\u018f.H\u0259s\u0259nova g\u00f6r\u0259, problemli kreditl\u0259rin h\u0259cmind\u0259ki art\u0131m daha da s\u00fcr\u0259tl\u0259n\u0259c\u0259k: \u201c\u00c7\u00fcnki iqtisadi v\u0259ziyy\u0259tin yax\u015f\u0131la\u015fmas\u0131 \u00fc\u00e7\u00fcn \u015f\u0259rtl\u0259r yoxdur. Bu \u015f\u0259raitd\u0259 ald\u0131\u011f\u0131 krediti qaytarmaq imkanlar\u0131n\u0131 itir\u0259nl\u0259rin say\u0131 \u00e7oxalacaq. Bunun qar\u015f\u0131s\u0131n\u0131 bir ne\u00e7\u0259 yolla almaq olar: birincisi, kredit \u015f\u0259rtl\u0259rini a\u011f\u0131rla\u015fd\u0131rmaqd\u0131r. Buna gedilm\u0259sini real saym\u0131ram, \u00e7\u00fcnki kreditl\u0259\u015fm\u0259nin azalmas\u0131 iqtisadi aktivliyi daha da a\u015fa\u011f\u0131 salacaq. Bu s\u0259b\u0259bd\u0259n d\u0259 d\u00fc\u015f\u00fcn\u00fcr\u0259m ki, ikinci variant\u0131 se\u00e7\u0259c\u0259kl\u0259r – M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n n\u0259zar\u0259tin g\u00fccl\u0259ndirilm\u0259si\u201d.<\/p>\n

\"ELDEN\u0130Z<\/p>\n

\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin h\u0259cmind\u0259ki art\u0131m\u0131n t\u0259hl\u00fck\u0259li hesab edib-etm\u0259m\u0259k f\u0259rqli yana\u015fmalardan ir\u0259li g\u0259lir: \u201c2023-c\u00fc ilin sonunda \u00f6lk\u0259d\u0259 kredit portfelinin h\u0259cmi 23 milyard 979 milyon manat, problemli kreditl\u0259rin h\u0259cmi is\u0259 437 milyon manat – y\u0259ni \u00fcmumi portfelin 1,8 faizini t\u0259\u015fkil edib.\u00a0 2024-c\u00fc ilin sonuna kredit portfelinin h\u0259cmi rekord s\u0259viyy\u0259y\u0259 \u00e7at\u0131b. Buna g\u00f6r\u0259 d\u0259 problemli kreditl\u0259rin h\u0259cmi artsa da, onun \u00fcmumi portfeld\u0259 \u00e7\u0259kisi azal\u0131b. 2020-ci ilin yanvar\u0131nda problemli kreditl\u0259rin h\u0259cmi 1 milyard 386 milyon manat, 2021-ci ild\u0259 921 milyon manat, 2022-ci ilin yanvar\u0131nda 706 milyon manat olub. Y\u0259ni son ill\u0259rd\u0259 h\u0259m problemli kreditl\u0259rin real h\u0259cmi azal\u0131b, h\u0259m d\u0259 onun \u00fcmumi portfeld\u0259 pay\u0131. Bu bax\u0131mdan problemli kreditl\u0259rin indiki h\u0259cmi, h\u0259tta art\u0131m olsa bel\u0259, t\u0259hl\u00fck\u0259li s\u0259viyy\u0259d\u0259 deyil, sistem \u00fc\u00e7\u00fcn h\u0259r hans\u0131 t\u0259hdid formala\u015fd\u0131rm\u0131r\u201d.<\/p>\n

Yuxar\u0131da da qeyd etdiyimiz kimi, Az\u0259rbaycanda istehlak kreditl\u0259rinin faizl\u0259rind\u0259 art\u0131m da qeyd\u0259 al\u0131nmaqdad\u0131r. \u018fks\u0259r m\u00fct\u0259x\u0259ssisl\u0259r bu art\u0131m\u0131n \u0259sas s\u0259b\u0259bi kimi c\u0259lb olunan depozitl\u0259rin faizl\u0259rinin y\u00fcks\u0259lm\u0259sini g\u00f6st\u0259rirl\u0259r. \u201cAccessBank\u201d\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri Davit Tsiklaurinin dediyin\u0259 g\u00f6r\u0259, banklar\u0131n depozitl\u0259r \u00fczr\u0259 x\u0259rcl\u0259ri xeyli art\u0131b v\u0259 x\u0259rcl\u0259rin n\u0259z\u0259r\u0259\u00e7arpacaq d\u0259r\u0259c\u0259d\u0259 artmas\u0131 iri banklar \u00fc\u00e7\u00fcn likvidlik m\u0259s\u0259l\u0259sini g\u00fcnd\u0259m\u0259 g\u0259tirib: \u201cHaz\u0131rda illik depozit \u00fc\u00e7\u00fcn t\u0259xmin\u0259n 12 faiz g\u0259lir t\u0259klif edilir. Halbuki bir il \u0259vv\u0259l bu r\u0259q\u0259m t\u0259xmin\u0259n 9-10 faiz\u00a0 idi. \u018flav\u0259 v\u0259sait c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn banklar depozit faizl\u0259rini art\u0131rd\u0131lar v\u0259 bu da onlar\u0131n xeyrin\u0259 oldu\u201d.<\/strong><\/p>\n

Davit Tsiklauri qeyd edib ki, m\u00fc\u015ft\u0259ril\u0259r \u0259vv\u0259ll\u0259r daha y\u00fcks\u0259k faiz \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn ki\u00e7ik banklara \u00fcz tuturdularsa, indi \u0259man\u0259tl\u0259rini daha \u00e7ox iri banklarda c\u0259ml\u0259yirl\u0259r: \u201cHal-haz\u0131rda dem\u0259k olar ki, b\u00fct\u00fcn bazar 12 faiz t\u0259klif edir v\u0259 bu, art\u0131q standart hala \u00e7evrilib. Bir ne\u00e7\u0259 il \u0259vv\u0259l iri banklar\u0131n bel\u0259 r\u0259qab\u0259tli depozit faizl\u0259ri t\u0259klif ed\u0259c\u0259yini t\u0259s\u0259vv\u00fcr bel\u0259 etm\u0259zdim, amma bu, indi reall\u0131qd\u0131r\u201d.<\/p>\n

\u0130dar\u0259 Hey\u0259tinin s\u0259dri bu amil\u0259 \u0259sas\u0259n bahal\u0131 depozitl\u0259ri xarici borclanma il\u0259 \u0259v\u0259z etm\u0259y\u0259 \u00fcst\u00fcnl\u00fck verdikl\u0259rini vur\u011fulay\u0131b: \u201cDepozitl\u0259ri tamamil\u0259 xarici maliyy\u0259l\u0259\u015fm\u0259 il\u0259 \u0259v\u0259z etm\u0259s\u0259k d\u0259, balans\u0131m\u0131zda daha uzunm\u00fcdd\u0259tli maliyy\u0259 m\u0259nb\u0259l\u0259rin\u0259 yer ay\u0131rm\u0131\u015f\u0131q. Xarici borclanma, ad\u0259t\u0259n, 3-5 illik m\u00fcdd\u0259t\u0259 olur, halbuki depozitl\u0259rin \u0259ks\u0259riyy\u0259ti 12-18 ayl\u0131qd\u0131r. Bu is\u0259 maliyy\u0259 strukturumuzu daha sabit v\u0259 etibarl\u0131 edir\u201d.<\/p>\n

Bank r\u0259hb\u0259rin\u0259 g\u00f6r\u0259, depozit faizl\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 g\u00f6zl\u0259nilmir: \u201cQ\u0131sam\u00fcdd\u0259tli d\u00f6vrd\u0259, y\u0259ni bu il depozit faizl\u0259rinin azalmas\u0131n\u0131 g\u00f6zl\u0259mir\u0259m. Bunun \u0259sas s\u0259b\u0259bi likvidlik ehtiyac\u0131n\u0131n davam etm\u0259sidir\u201d.<\/strong><\/p>\n

O bildirib ki, \u00f6lk\u0259 banklar\u0131n\u0131n \u00e7oxu ke\u00e7\u0259n il \u0259rzind\u0259 20-25 faiz art\u0131m g\u00f6st\u0259rib:<\/strong>\u00a0\u201cM\u0259n bu art\u0131m tendensiyas\u0131n\u0131n davam ed\u0259c\u0259yini, \u00fcmumi sektor \u00fczr\u0259 \u0259n az\u0131 15-20 faiz art\u0131m olaca\u011f\u0131n\u0131 g\u00f6zl\u0259yir\u0259m. Geosiyasi bax\u0131mdan d\u0259yi\u015fk\u0259n bir regionda yerl\u0259\u015fm\u0259sin\u0259 baxmayaraq Az\u0259rbaycan iqtisadiyyat\u0131 nisb\u0259t\u0259n g\u00fccl\u00fcd\u00fcr. M\u0259s\u0259l\u0259n, b\u0259zi yax\u0131n qon\u015fular\u0131n iqtisadiyyatlar\u0131 real ifad\u0259d\u0259 7-9 faiz b\u00f6y\u00fcy\u00fcb. Bel\u0259 bir performans h\u0259m Az\u0259rbaycana, h\u0259m d\u0259 qon\u015fu \u00f6lk\u0259l\u0259r\u0259 m\u00fcsb\u0259t t\u0259sir edir. \u00c7\u00fcnki b\u0259zi sektorlar \u00f6lk\u0259l\u0259r aras\u0131nda, x\u00fcsus\u0259n d\u0259 logistika, ticar\u0259t, \u0259mt\u0259\u0259 bazarlar\u0131nda bir-biri il\u0259 \u0259laq\u0259lidir. M\u0259s\u0259l\u0259n, Az\u0259rbaycan\u0131n qeyri-neft iqtisadiyyat\u0131 COVID-d\u0259n sonrak\u0131 yava\u015flamadan sonra h\u0259r il ard\u0131c\u0131l olaraq orta t\u0259k r\u0259q\u0259mli faizl\u0259 geni\u015fl\u0259nir v\u0259 \u0259g\u0259r bu iqtisadiyyat real ifad\u0259d\u0259 illik 4-5 faiz artma\u011fa davam ed\u0259rs\u0259, banklar\u0131n nominal ifad\u0259d\u0259 asanl\u0131qla 15 faiz art\u0131m g\u00f6st\u0259r\u0259 bil\u0259c\u0259yini d\u00fc\u015f\u00fcn\u00fcr\u0259m. Bel\u0259 bir art\u0131mla banklar kredit f\u0259aliyy\u0259tl\u0259rini d\u0259st\u0259kl\u0259m\u0259k \u00fc\u00e7\u00fcn \u0259lav\u0259 likvidliy\u0259 ehtiyac duyma\u011fa davam ed\u0259c\u0259k\u201d.<\/p>\n

Bank s\u0259dri vur\u011fulay\u0131b ki, yerli valyuta likvidliyinin \u00e7at\u0131\u015fmazl\u0131\u011f\u0131 davam ed\u0259rs\u0259, depozit faizl\u0259rinin daha da artmas\u0131 m\u00fcmk\u00fcnd\u00fcr(APAEkomoniks).<\/p>\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, yax\u0131n d\u00f6vrd\u0259 \u00f6lk\u0259d\u0259 depozit faizl\u0259rinin, onlara s\u0259b\u0259b kredit faizl\u0259rinin y\u00fcks\u0259lm\u0259si g\u00f6zl\u0259nilir. Bu is\u0259 problemli kreditl\u0259rin art\u0131m\u0131n\u0131 daha da s\u00fcr\u0259tl\u0259ndir\u0259 bil\u0259r.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130qtisad\u00e7\u0131 ekspertl\u0259r yax\u0131n m\u00fcdd\u0259t \u00fc\u00e7\u00fcn depozit v\u0259 kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 probleml\u0259r haqda\u00a0 Bu il yanvar\u0131n 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 449,1 milyon manat t\u0259\u015fkil edib. \u201cYeni M\u00fcsavat\u201d Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n m\u0259lumatlar\u0131na \u0259sas\u0259n x\u0259b\u0259r verir ki, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 2,6 faiz \u00e7oxdur –\u00a0 h\u0259min vaxt problemli kreditl\u0259rin h\u0259cmi 437,8 milyon manat t\u0259\u015fkil etmi\u015fdi. M\u0259lumata g\u00f6r\u0259, 2024-c\u00fc il yanvar\u0131n 1-n\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,5\u00a0 faiz t\u0259\u015fkil edib. \u00dcmumi kredit portfelind\u0259 problemli kreditl\u0259rin pay\u0131n\u0131n azalmas\u0131 portfelin \u00f6z\u00fcn\u00fcn h\u0259cmind\u0259ki art\u0131mla ba\u011fl\u0131d\u0131r. Bel\u0259 ki,…<\/p>\n","protected":false},"author":2,"featured_media":784892,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/b13d148b8a3f3f271bd2865c248b22ab.jpg",870,500,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"\u0130qtisad\u00e7\u0131 ekspertl\u0259r yax\u0131n m\u00fcdd\u0259t \u00fc\u00e7\u00fcn depozit v\u0259 kredit faizl\u0259ri il\u0259 ba\u011fl\u0131 probleml\u0259r haqda\u00a0 Bu il yanvar\u0131n 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 449,1 milyon manat t\u0259\u015fkil edib. \u201cYeni M\u00fcsavat\u201d Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n m\u0259lumatlar\u0131na \u0259sas\u0259n x\u0259b\u0259r verir ki, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 2,6 faiz \u00e7oxdur –\u00a0 h\u0259min vaxt problemli kreditl\u0259rin h\u0259cmi 437,8 milyon…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/784891"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=784891"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/784891\/revisions"}],"predecessor-version":[{"id":784894,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/784891\/revisions\/784894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/784892"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=784891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=784891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=784891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}