{"id":792098,"date":"2025-03-06T15:00:41","date_gmt":"2025-03-06T11:00:41","guid":{"rendered":"https:\/\/arantv.az\/?p=792098"},"modified":"2025-03-06T15:00:41","modified_gmt":"2025-03-06T11:00:41","slug":"depozit-v%c9%99-kredit-faizl%c9%99ri-artir-deputatdan-aciqlama","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=792098","title":{"rendered":"Depozit v\u0259 kredit faizl\u0259ri art\u0131r: Deputatdan A\u00c7IQLAMA"},"content":{"rendered":"

2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda banklar 71 milyon manat xalis m\u0259nf\u0259\u0259t \u0259ld\u0259 edib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 28,7 faiz v\u0259 ya 28,6 milyon manat azd\u0131r. 2024-c\u00fc ilin yanvar ay\u0131nda banklar\u0131n xalis m\u0259nf\u0259\u0259ti 99,6 milyon manat t\u0259\u015fkil etmi\u015fdi.<\/strong><\/p>\n

Banklar\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti is\u0259 bir ild\u0259 143.6 milyon manatdan 122.5 milyon manata enib.<\/em><\/p>\n

Banklar\u0131n \u00f6hd\u0259likl\u0259rinin strukturunda \u0259n\u0259n\u0259vi olaraq depozit portfeli \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir – c\u0259mi \u00f6hd\u0259likl\u0259rin 79.7 faizi v\u0259 ya 36 milyard 961 milyon manat. Depozit portfelinin 61.1 faizi (22 milyard 575.5 milyon manat) h\u00fcquqi \u015f\u0259xsl\u0259rin, 38.9 faizi (14 milyard 385.4 milyon manat) fiziki \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259n (f\u0259rdi sahibkarl\u0131qla m\u0259\u015f\u011ful olan fiziki \u015f\u0259xsl\u0259rin depozitl\u0259ri istisna olmaqla) ibar\u0259tdir.<\/p>\n

A\u00e7\u0131qlanan statistikadan ayd\u0131n olur ki, bu il fevral\u0131n 1-n\u0259 \u0259halinin banklardak\u0131 \u0259man\u0259tl\u0259ri (f\u0259rdi sahibkarl\u0131qla m\u0259\u015f\u011ful olan fiziki \u015f\u0259xsl\u0259rin depozitl\u0259ri d\u0259 daxil olmaqla) 14 milyard 698.7 milyon manat t\u0259\u015fkil edib. Bu is\u0259 \u0259vv\u0259lki ayla m\u00fcqayis\u0259d\u0259 0,2 faiz v\u0259 ya 36,8 milyon manat \u00e7oxdur. \u00d6t\u0259n ilin sonuna bu r\u0259q\u0259m 14 milyar 661,9 milyon manat t\u0259\u015fkil edib. Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259rinin 66 faizi (9,497 milyon manat) milli valyutada, 34 faizi (4,888.4 milyon manat) xarici valyutadad\u0131r. Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259t portfelinin 60.8 faizi (8,746.8 milyon manat) m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rd\u0259n ibar\u0259tdir. Fiziki \u015f\u0259xsl\u0259rin m\u00fcdd\u0259tli \u0259man\u0259tl\u0259ri yanvar ay\u0131nda 1.7 faiz v\u0259 ya 146 milyon manat art\u0131b.<\/p>\n

\u00d6t\u0259n ilin dekabr\u0131nda Az\u0259rbaycan banklar\u0131nda h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259rinin h\u0259cmi 23 milyard 397,5 milyon manata b\u0259rab\u0259r olmu\u015fdu. Bu is\u0259 o dem\u0259kdir ki, h\u00fcquqi \u015f\u0259xsl\u0259r bir ayda banklardan 820 milyon manat depoziti geri \u00e7\u0259kibl\u0259r.\u00a0 Bu proses \u00f6t\u0259n ilin ikinci yar\u0131s\u0131ndan m\u00fc\u015fahid\u0259 olunma\u011fa ba\u015flay\u0131b. Oktyabr ay\u0131nda h\u00fcquqi \u015f\u0259xsl\u0259r banklarda rekord h\u0259cmd\u0259 1,8 milyard manat\u0131 geri \u00e7\u0259kibl\u0259r. Bel\u0259 ki, \u00f6t\u0259n ilin noyabr ay\u0131n\u0131n 1-n\u0259 banklarda h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259ri (maliyy\u0259 institutlar\u0131 istisna olmaqla) \u0259vv\u0259lki ayla m\u00fcqayis\u0259d\u0259 8.1 faiz v\u0259 ya 1 milyard 805.5 milyon manat azalaraq 20 milyard 404.3 milyon manat t\u0259\u015fkil edib.<\/strong><\/p>\n

M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan (AMB) bildirilib ki, h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259ri \u00fczr\u0259 m\u00fcvafiq dinamika \u0259sas\u0259n xarici valyutada cari hesablar\u0131n azalmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. M\u00fc\u015fahid\u0259 olunan dinamika \u015firk\u0259tl\u0259rin f\u0259aliyy\u0259t x\u00fcsusiyy\u0259tl\u0259rind\u0259n, el\u0259c\u0259 d\u0259 d\u00f6vl\u0259t v\u0259 dig\u0259r \u00f6d\u0259ni\u015fl\u0259rd\u0259n as\u0131l\u0131 olaraq formala\u015f\u0131b: \u201cM\u00fcqayis\u0259 \u00fc\u00e7\u00fcn bildiririk ki, analoji hal 2022-ci ilin yanvar, fevral, iyul, el\u0259c\u0259 d\u0259 2023-c\u00fc ilin yanvar, fevral, iyun v\u0259 iyul aylar\u0131nda da m\u00fc\u015fahid\u0259 olunub. \u00dcmumilikd\u0259, h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259rinin dinamikas\u0131na ortam\u00fcdd\u0259tli d\u00f6vr \u00fczr\u0259 bax\u0131lmas\u0131 m\u0259qs\u0259d\u0259uy\u011fundur. M\u0259lumat \u00fc\u00e7\u00fcn qeyd ed\u0259k ki, son 3 ild\u0259 m\u00fcdd\u0259tli depozitl\u0259rin h\u0259cmi 2.6 d\u0259f\u0259 v\u0259 ya 3.3 milyard manat, cari ilin 10 ay\u0131nda is\u0259 20.6 faiz v\u0259 ya 0.9 milyard manat art\u0131b\u201d.<\/p>\n

Maraql\u0131d\u0131r ki, \u00f6t\u0259n ilin dekabr\u0131nda h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259 k\u0259skin art\u0131mla yadda qal\u0131b – 21,3 milyard manatdan dekabr\u0131n sonunda 23,4 milyard manata y\u00fcks\u0259lib.<\/p>\n

Onu da qeyd ed\u0259k ki, \u00f6lk\u0259d\u0259 h\u0259m depozit, h\u0259m d\u0259 kredit faizl\u0259rind\u0259 art\u0131m davam edir. Cari ilin yanvar ay\u0131nda Az\u0259rbaycanda milli valyutada yeni verilmi\u015f kreditl\u0259r \u00fczr\u0259 orta illik faiz d\u0259r\u0259c\u0259si 17.75 faiz t\u0259\u015fkil edib. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, manatla yeni verilmi\u015f kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259l\u0259ri \u0259vv\u0259lki ayla m\u00fcqayis\u0259d\u0259 1.19 faiz b\u0259ndi, \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 is\u0259 1.75 faiz b\u0259ndi art\u0131b.<\/p>\n

\"V\u00dcQAR<\/p>\n

V\u00fcqar Bayramov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-alim, Milli M\u0259clisin \u00fczv\u00fc V\u00fcqar Bayramovun fikrinc\u0259, depozit faizl\u0259rinin art\u0131m\u0131 bir \u00e7ox bax\u0131mdan v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn \u00e7a\u011f\u0131r\u0131\u015flar formala\u015fd\u0131r\u0131r:<\/strong>\u00a0\u201cSon zamanlar \u0259man\u0259t, x\u00fcsus\u0259n d\u0259 xarici valyutada depozit faizl\u0259rind\u0259 k\u0259skin art\u0131mlar m\u00fc\u015fahid\u0259 olunur. Sistem \u0259h\u0259miyy\u0259tli banklarda AB\u015e dollar\u0131nda \u0259man\u0259t \u00fczr\u0259 illik faizl\u0259r 4.5 faiz\u0259d\u0259k y\u00fcks\u0259lib. N\u0259inki illik depozit faizl\u0259ri, h\u0259tta 3 ayl\u0131q faizl\u0259r bel\u0259 3.0 faiz\u0259d\u0259k art\u0131b. Burada diqq\u0259ti \u00e7\u0259k\u0259n \u0259sas m\u0259qamlardan biri odur ki, banklar art\u0131q depozitl\u0259r\u0259 s\u0131\u011fortalanan faizl\u0259rd\u0259n daha \u00e7ox g\u0259lir t\u0259klif edirl\u0259r. Bu is\u0259 t\u0259bii ki, qorunmayan depozitl\u0259rin h\u0259cminin artmas\u0131na s\u0259b\u0259b olacaq.<\/p>\n

Qanunvericiliy\u0259 \u0259sas\u0259n, haz\u0131rda h\u0259r bir i\u015ftirak\u00e7\u0131 bankda 100 min manatad\u0259k depozit s\u0131\u011fortalan\u0131r. Qorunan \u0259man\u0259tl\u0259rin illik faiz d\u0259r\u0259c\u0259si milli valyutada 12.0, xarici valyutada is\u0259 2.5 faizdir.<\/strong><\/p>\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, xarici valyutada qorunan \u0259man\u0259tl\u0259rin maksimum faiz d\u0259r\u0259c\u0259si 2.5 faiz olsa da bel\u0259, haz\u0131rda \u0259ks\u0259r banklarda h\u0259min \u0259man\u0259tl\u0259r \u00fczr\u0259 depozit faizi 5.0 faiz\u0259 \u00e7atmaqdad\u0131r. Bu is\u0259 o dem\u0259kdir ki, qorunan \u0259man\u0259t faizind\u0259n y\u00fcks\u0259k depozit g\u0259liri t\u0259klif ed\u0259n v\u0259sait m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq s\u0131\u011fortalanm\u0131r. Y\u0259ni bank m\u00fcflis olarsa, o \u0259man\u0259tl\u0259r geri qaytar\u0131lm\u0131r. Bu arada, c\u0259mi depozitl\u0259rin h\u0259cmi 2025-ci ilin yanvar ay\u0131n\u0131n sonuna \u0259vv\u0259lki ayla m\u00fcqayis\u0259d\u0259 40 milyard 270 milyon manatdan 40 milyard 175 milyon manatad\u0259k azal\u0131b. Azalma qeyri-maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n yerl\u0259\u015fdirdiyi depozitl\u0259rin m\u00fcvafiq d\u00f6vrd\u0259 22 milyard 532 milyon manatdan 21 milyard 756 milyon manata d\u00fc\u015fm\u0259si il\u0259 ba\u011fl\u0131d\u0131r. Maraql\u0131d\u0131r ki, \u0259g\u0259r banklarda izafi v\u0259saitl\u0259r, y\u0259ni resurs art\u0131ql\u0131\u011f\u0131 varsa, o zaman niy\u0259 bahal\u0131 depozit siyas\u0259ti h\u0259yata ke\u00e7irilir? \u018fslind\u0259 depozit faizl\u0259rind\u0259ki art\u0131mlar banklardak\u0131 izafilik deyil, \u0259ksin\u0259, v\u0259sait\u0259 t\u0259l\u0259bin olmas\u0131ndan x\u0259b\u0259r verir. Bu is\u0259 kredit bazar\u0131 \u00fc\u00e7\u00fcn yax\u015f\u0131 siqnal deyil”.<\/p>\n

\"Eld\u0259niz<\/p>\n

Eld\u0259niz \u018fmirov<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirovun \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259ri geri \u00e7\u0259km\u0259si hal\u0131 m\u00fc\u0259yy\u0259n aral\u0131qlarla m\u00fc\u015fahid\u0259 olunur:<\/strong>\u00a0\u201c\u00d6t\u0259n ilin noyabr\u0131nda da bu hal ba\u015f vermi\u015fdi. Bu prosesin bir s\u0131ra s\u0259b\u0259bl\u0259ri ola bil\u0259r: devalvasiya qorxusu, v\u0259saitl\u0259rin dig\u0259r istiqm\u0259tl\u0259r\u0259 y\u00f6nl\u0259ndirilm\u0259si, banklara etimad\u0131n azalmas\u0131, iqtisadi qeyri-m\u00fc\u0259yy\u0259nlikl\u0259r, M\u0259rk\u0259zi Bank\u0131n pul-kredit siyas\u0259tind\u0259n yaranan dig\u0259r hallar v\u0259 ya na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rin \u00e7ox olmas\u0131, g\u0259lir vergisi \u00f6hd\u0259likl\u0259rinin artmas\u0131 v\u0259 sair. G\u0259lir vergisi d\u0259r\u0259c\u0259sind\u0259 h\u0259r hans\u0131 d\u0259yi\u015fikliyin olmamas\u0131 dig\u0259r s\u0259b\u0259bl\u0259r \u00fcz\u0259rind\u0259 d\u00fc\u015f\u00fcnm\u0259y\u0259 \u0259sas verir. \u00d6t\u0259n ilin noyabr\u0131nda h\u00fcquqi \u015f\u0259xsl\u0259rin xarici valyutada cari hesablar\u0131ndak\u0131 azalma depozitl\u0259rin azalmas\u0131n\u0131n \u0259sas s\u0259b\u0259bi idi. Bu d\u0259f\u0259 azalma daha a\u015fa\u011f\u0131 m\u0259bl\u0259\u011fd\u0259dir, bu bax\u0131mdan onun yenid\u0259n artmas\u0131 da m\u00fcmk\u00fcnd\u00fcr\u201d.<\/p>\n

\u00d6t\u0259n ilin dekabr\u0131nda h\u00fcquqi \u015f\u0259xsl\u0259rin depozitl\u0259rind\u0259ki k\u0259skin art\u0131m, \u00fcmumilikd\u0259, alternativ investisiya imkanlar\u0131n\u0131n az olmas\u0131ndan qaynaqlana bil\u0259r.<\/p>\n

E.\u018fmirova g\u00f6r\u0259, yanvardak\u0131 azalman\u0131n k\u00f6k\u00fcnd\u0259 d\u0259 h\u00fcquqi \u015f\u0259xsl\u0259rin xarici valyutada cari hesablar\u0131n\u0131n azalmas\u0131 faktoru dayana bil\u0259r:<\/strong>\u00a0\u201cBu m\u0259s\u0259l\u0259d\u0259 d\u0259qiq s\u0259b\u0259bin r\u0259smi qurumlar t\u0259r\u0259find\u0259n a\u00e7\u0131qlanmas\u0131 daha d\u0259qiq t\u0259s\u0259vv\u00fcr formala\u015fd\u0131rma\u011fa imkan ver\u0259r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda banklar 71 milyon manat xalis m\u0259nf\u0259\u0259t \u0259ld\u0259 edib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 28,7 faiz v\u0259 ya 28,6 milyon manat azd\u0131r. 2024-c\u00fc ilin yanvar ay\u0131nda banklar\u0131n xalis m\u0259nf\u0259\u0259ti 99,6 milyon manat t\u0259\u015fkil etmi\u015fdi. Banklar\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti is\u0259 bir ild\u0259 143.6 milyon manatdan 122.5 milyon manata enib. Banklar\u0131n \u00f6hd\u0259likl\u0259rinin strukturunda \u0259n\u0259n\u0259vi olaraq depozit portfeli \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir – c\u0259mi \u00f6hd\u0259likl\u0259rin 79.7 faizi v\u0259 ya 36 milyard 961 milyon manat. Depozit portfelinin 61.1 faizi (22 milyard 575.5 milyon manat)…<\/p>\n","protected":false},"author":2,"featured_media":792099,"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\/03\/f704cc494d5e0bf34a493627b4aa872e.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/f704cc494d5e0bf34a493627b4aa872e.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":"2025-ci ilin yanvar ay\u0131nda Az\u0259rbaycanda banklar 71 milyon manat xalis m\u0259nf\u0259\u0259t \u0259ld\u0259 edib. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 m\u0259lumata \u0259sas\u0259n, bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 28,7 faiz v\u0259 ya 28,6 milyon manat azd\u0131r. 2024-c\u00fc ilin yanvar ay\u0131nda banklar\u0131n xalis m\u0259nf\u0259\u0259ti 99,6 milyon manat t\u0259\u015fkil etmi\u015fdi. Banklar\u0131n \u0259m\u0259liyyat m\u0259nf\u0259\u0259ti is\u0259 bir ild\u0259 143.6 milyon manatdan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792098"}],"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=792098"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792098\/revisions"}],"predecessor-version":[{"id":792101,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792098\/revisions\/792101"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/792099"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=792098"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=792098"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=792098"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}