{"id":814113,"date":"2025-07-04T09:32:42","date_gmt":"2025-07-04T05:32:42","guid":{"rendered":"https:\/\/arantv.az\/?p=814113"},"modified":"2025-07-04T09:32:42","modified_gmt":"2025-07-04T05:32:42","slug":"vaxti-kecmis-kreditl%c9%99r-banklar-kimi-v%c9%99-n%c9%99yi-dusunur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=814113","title":{"rendered":"Vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259r – banklar kimi v\u0259 n\u0259yi d\u00fc\u015f\u00fcn\u00fcr…"},"content":{"rendered":"

Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssisin dediyin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin s\u0259viyy\u0259sinin artmas\u0131 \u00f6lk\u0259d\u0259ki sosial-iqtisadi dur\u011funluqla ba\u011fl\u0131d\u0131r<\/strong><\/p>\n

Bu il iyunun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 508,3 milyon manat t\u0259\u015fkil edib. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, bu, may\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 1,1 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 13,2\u00a0 faiz, son bir ild\u0259 is\u0259 9 faiz art\u0131b. May ay\u0131n\u0131n sonuna vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,7 faiz t\u0259\u015fkil edib.<\/em><\/p>\n

M\u0259rk\u0259zi Bank\u0131n r\u0259smi statistikas\u0131na \u0259sas\u0259n, 2025-ci ilin iyunun 1-n\u0259 banklar\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 verdiyi kreditl\u0259rin \u00fcmumi h\u0259cmi (ehtiyatlar \u00e7\u0131x\u0131lmadan) 28 milyard 386.5 milyon manat t\u0259\u015fkil edib. Bu g\u00f6st\u0259rici \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc (25 milyard 158.2 milyon manat) il\u0259 m\u00fcqayis\u0259d\u0259 3 milyard 228.3 milyon manat v\u0259 ya 12.8 faiz art\u0131b. Son bir ild\u0259 kredit portfelinin xarici valyutada olan hiss\u0259si 404.6 milyon manat (8.8 faiz) azalaraq 4 milyard 607.6 milyon manatdan 4 milyard 203.0 milyon manata d\u00fc\u015f\u00fcb.<\/p>\n

May ay\u0131nda banklar\u0131n kredit portfeli ayl\u0131q 1 faiz v\u0259 ya 290 milyon manat art\u0131b. Kredit portfelinin strukturunda biznes kreditl\u0259ri – 53.2 faiz (15 milyard 100 milyon manat), istehlak kreditl\u0259ri – 31.3 faiz (8 milyard\u00a0 881.9 milyon manat), ipoteka kreditl\u0259ri – 15.5 faiz (4 milyard 404.6 milyon manat) paya malikdir.<\/p>\n

Xat\u0131rladaq ki, 2024-c\u00fc ilin may ay\u0131nda banklar\u0131n kredit portfeli 2.1 faiz v\u0259 ya 513.7 milyon manat artaraq 25 milyard 158.2 milyon manat olmu\u015fdu. \u00d6t\u0259n ilin 31 may tarizind\u0259 banklar\u0131n kredit portfelind\u0259 biznes kreditl\u0259ri – 54.8 faiz (13 milyard 784.7 milyon manat), istehlak kreditl\u0259ri – 29.7 faiz (7 milyard 480.2 milyon manat), ipoteka kreditl\u0259ri – 15.5 faiz (3 milyard 893.3 milyon\u00a0 manat) paya malik olmu\u015fdu. H\u0259min d\u00f6vrd\u0259 banklar\u0131n biznes, istehlak v\u0259 ipoteka portfeli m\u00fcvafiq olaraq 308.4 milyon manat (+2.3 faiz), 153.2 milyon manat (+2.1 faiz) v\u0259 52.2 milyon manat (+1.4 faiz) artm\u0131\u015fd\u0131.<\/p>\n

Qeyd ed\u0259k ki, problemli kreditl\u0259r Az\u0259rbaycan \u00fc\u00e7\u00fcn ba\u015f\u0131b\u0259lal\u0131 m\u0259s\u0259l\u0259dir. 2015-ci ild\u0259 neft qiym\u0259tl\u0259rinin k\u0259skin ucuzla\u015fmas\u0131 v\u0259 ard\u0131c\u0131l iki devalvasiyadan sonra bu m\u0259s\u0259l\u0259nin hans\u0131 s\u0259viyy\u0259y\u0259 g\u0259lib \u00e7atd\u0131\u011f\u0131 v\u0259 nec\u0259 h\u0259ll olundu\u011fu m\u0259lumdur. D\u00f6vl\u0259tin m\u00fcdaxil\u0259si olmasayd\u0131, 2 milyard manata yax\u0131nla\u015fan vaxt\u0131 \u00f6tm\u00fc\u015f kreditl\u0259r bank sektorunu \u00e7\u00f6kd\u00fcr\u0259c\u0259kdi.<\/p>\n

Bir s\u0131ra m\u00fct\u0259x\u0259ssisl\u0259r problemli kreditl\u0259rin artmas\u0131nda \u0259sas rolun istehlak kreditl\u0259rin\u0259 m\u0259xsus oldu\u011funu bildirirl\u0259r. 2015-2016-c\u0131 ill\u0259rin devalvasiyalar\u0131ndan sonra yaranan problemli kredit b\u00f6hran\u0131ndan sonra M\u0259rk\u0259zi Bank istehlak kreditl\u0259rinin s\u0259rtl\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn banklarla i\u015f apard\u0131. Bir ne\u00e7\u0259 ild\u0259n sonra bel\u0259 kreditl\u0259rin \u00fcmumi kredit portfelind\u0259ki pay\u0131n\u0131 azaltmaq m\u00fcmk\u00fcn oldu. Lakin son ill\u0259rd\u0259 Az\u0259rbaycanda yenid\u0259n istehlak kreditl\u0259rinin davaml\u0131 art\u0131m\u0131 diqq\u0259ti c\u0259lb edir. R\u0259smi statistikaya n\u0259z\u0259r salsaq g\u00f6r\u0259rik ki, 2020-ci ill\u0259 m\u00fcqayis\u0259d\u0259 bel\u0259 kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 3 d\u0259f\u0259y\u0259 yax\u0131n art\u0131b.<\/strong><\/p>\n

G\u00f6st\u0259ricil\u0259rin illik m\u00fcqayis\u0259si g\u00f6st\u0259rir ki, son bir ild\u0259 banklar\u0131n kredit portfelind\u0259ki art\u0131m\u0131n h\u0259r\u0259k\u0259tverici q\u00fcvv\u0259si istehlak kreditl\u0259ri olub. Bel\u0259 ki, \u00f6t\u0259n ilin may\u0131 il\u0259 m\u00fcqayis\u0259d\u0259 bu ilin may\u0131nda biznes kreditl\u0259ri 1 milyard 315,3 milyon manat (9,5 faiz), istehlak kreditl\u0259ri 1 milyard 401,7 milyon manat (18,7 faiz), ipoteka kreditl\u0259ri 511,3 milyon manat (13,1 faiz) art\u0131b.<\/p>\n

Qeyd ed\u0259k ki, d\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 istehlak kreditl\u0259ri iqtisadi atkivliyi stimulla\u015fd\u0131rma\u011f\u0131n \u0259sas al\u0259tl\u0259rind\u0259n biri kimi q\u0259bul edilir v\u0259 m\u00fcsb\u0259t amil olaraq qiym\u0259tl\u0259ndirilir. \u00c7\u00fcnki istehlak kreditl\u0259ri \u0259halinin al\u0131c\u0131l\u0131q qabiliyy\u0259tini art\u0131raraq istehlak\u00e7\u0131 t\u0259l\u0259bini stimulla\u015fd\u0131r\u0131r. Kreditl\u0259r say\u0259sind\u0259 insanlar b\u00f6y\u00fck alq\u0131-satq\u0131 \u0259m\u0259liyyatlar\u0131n\u0131 daha asanl\u0131qla realla\u015fd\u0131ra bilirl\u0259r. Bu kreditl\u0259rin \u0259l\u00e7atanl\u0131\u011f\u0131 x\u00fcsus\u0259n avtomobil, m\u0259i\u015f\u0259t avadanl\u0131qlar\u0131 v\u0259 dig\u0259r istehlak m\u0259hsullar\u0131n\u0131n alq\u0131-satq\u0131s\u0131n\u0131 art\u0131r\u0131r. T\u0259l\u0259bin artmas\u0131, \u00f6z n\u00f6vb\u0259sind\u0259, iqtisadiyyatda istehsal\u0131n v\u0259 xidm\u0259t sektorunun inki\u015faf\u0131na t\u0259kan verir. Kreditl\u0259r say\u0259sind\u0259 m\u00fc\u015ft\u0259ril\u0259r daha \u00e7ox istehlak edir v\u0259 istehsal m\u00fc\u0259ssis\u0259l\u0259ri daha \u00e7ox mal v\u0259 xidm\u0259t istehsal edir. Bu, x\u00fcsus\u0259n daxili istehsal\u0131n artmas\u0131na, i\u015fsizliyin azalmas\u0131na v\u0259 \u00fcmumi iqtisadi f\u0259all\u0131\u011f\u0131n y\u00fcks\u0259lm\u0259sin\u0259 s\u0259b\u0259b olur. \u0130stehlak kreditl\u0259rinin artmas\u0131 bank sektorunun inki\u015faf\u0131na da m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259rir. Banklar istehlak kreditl\u0259ri il\u0259 ba\u011fl\u0131 xidm\u0259tl\u0259rini geni\u015fl\u0259ndirir, yeni m\u0259hsullar t\u0259qdim edir, faiz g\u0259lirl\u0259ri \u0259ld\u0259 edirl\u0259r.<\/p>\n

Az\u0259rbaycanda is\u0259 ke\u00e7mi\u015f m\u0259nfi t\u0259cr\u00fcb\u0259 say\u0259sind\u0259 istehlak kreditl\u0259rinin art\u0131m\u0131 t\u0259hl\u00fck\u0259li tendensiya kimi qiym\u0259tl\u0259ndirilir. \u00c7\u00fcnki bel\u0259 kreditl\u0259rin art\u0131m\u0131 problemli kreditl\u0259rin d\u0259 art\u0131m\u0131 il\u0259 m\u00fc\u015fayi\u0259t olunur.<\/p>\n

\"Natiq<\/p>\n

\u0130qtisad\u00e7\u0131-ekspert Natiq C\u0259f\u0259rlinin \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin artmas\u0131 Az\u0259rbaycanda kredit faizl\u0259rinin y\u00fcks\u0259k olmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r:<\/strong>\u00a0\u201cAz\u0259rbaycanda ist\u0259r istehlak, ist\u0259rs\u0259 d\u0259 biznes kreditl\u0259ri olsun, h\u0259r biri \u00e7ox y\u00fcks\u0259k faizlidir. Bu is\u0259 h\u0259m v\u0259t\u0259nda\u015flara, h\u0259m d\u0259 biznes\u0259 \u0259lav\u0259 y\u00fckd\u00fcr. \u00c7\u00fcnki b\u00f6y\u00fck faizl\u0259r olduqda biznes inki\u015faf ed\u0259 bilmir, ki\u00e7ik v\u0259 orta sahibkarl\u0131q \u0259ziyy\u0259t \u00e7\u0259kir. Ki\u00e7ik v\u0259 orta sahibkarl\u0131q inki\u015faf ed\u0259 bilmirs\u0259, dem\u0259k, \u0259halinin qazanc imkanlar\u0131 geni\u015fl\u0259nmir. Y\u0259ni bu g\u00fcn \u00f6lk\u0259d\u0259 kredit faizl\u0259ri y\u00fcks\u0259k, \u0259halinin g\u0259lirl\u0259rinin art\u0131m\u0131 is\u0259 a\u015fa\u011f\u0131d\u0131r. \u0130nsanlar bir \u00e7ox hallarda bir bankdan g\u00f6t\u00fcrd\u00fckl\u0259ri kreditl\u0259ri dig\u0259r bankdan borclanma il\u0259 ba\u011flay\u0131rlar. N\u0259tic\u0259d\u0259, ikiqat faizl\u0259r \u00f6d\u0259m\u0259li olurlar.\u00a0 \u0130\u015fsizlikl\u0259 ba\u011fl\u0131 probleml\u0259rin olmas\u0131n\u0131, g\u0259lirl\u0259rin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sini n\u0259z\u0259r\u0259 alaraq r\u0259smi r\u0259q\u0259ml\u0259r\u0259 \u0259sas\u0259n dey\u0259 bil\u0259rik ki, Az\u0259rbaycanda nominal g\u0259lirl\u0259r bel\u0259 azal\u0131b. Buna g\u00f6r\u0259 d\u0259 problemli kreditl\u0259rin h\u0259cmi kifay\u0259t q\u0259d\u0259r y\u00fcks\u0259k s\u00fcr\u0259tl\u0259 geni\u015fl\u0259nir\u201d.<\/p>\n

Ekspert\u0259 g\u00f6r\u0259, h\u0259l\u0259lik Az\u0259rbaycanda problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259ki pay\u0131 t\u0259hl\u00fck\u0259li h\u0259dd\u0259 deyil:<\/strong>\u00a0\u201cLakin bel\u0259 kreditl\u0259rin artmas\u0131n\u0131n \u00f6z\u00fc t\u0259hl\u00fck\u0259li tendensiyad\u0131r v\u0259 onun qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn add\u0131mlar at\u0131lmal\u0131d\u0131r. Bu add\u0131mlar at\u0131lmasa, bir m\u00fcdd\u0259td\u0259n sonra bank sektoru \u00fc\u00e7\u00fcn \u00e7ox b\u00f6y\u00fck t\u0259hl\u00fck\u0259y\u0259 \u00e7evril\u0259c\u0259k v\u0259 d\u00f6vl\u0259t m\u0259cbur qalacaq ki, milyardlarla v\u0259sait x\u0259rcl\u0259sin. Amma bunun \u0259v\u0259zin\u0259 \u00f6nl\u0259yici t\u0259dbirl\u0259r g\u00f6r\u00fcls\u0259, \u0259lav\u0259 v\u0259sait\u0259 ehtiyac qalmayacaq. \u00d6nl\u0259yici t\u0259dbir is\u0259 kredit faizl\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131ndan ibar\u0259tdir. Buna da real iqtisadiyyat\u0131 inki\u015faf etdirm\u0259kl\u0259 nail olmaq m\u00fcmk\u00fcnd\u00fcr. Real iqtisadiyyat\u0131n g\u00fccl\u00fc olmas\u0131 kredit riskl\u0259rini azald\u0131r, bu da bank faizl\u0259rinin d\u00fc\u015fm\u0259sini t\u0259min edir\u201d.<\/p>\n

D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumat\u0131na \u0259sas\u0259n, 2025-ci ilin yanvar-may aylar\u0131nda \u00f6lk\u0259 \u0259halisinin nominal g\u0259lirl\u0259ri \u0259vv\u0259lki ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 6,9 faiz artaraq 34 milyard\u00a0 104,0 milyon manat v\u0259 ya h\u0259r n\u0259f\u0259r\u0259 orta hesabla 3332,9 manata b\u0259rab\u0259r olub. Bundan \u0259halinin s\u0259r\u0259ncam\u0131nda 29 milyard 687,3 milyon manat qal\u0131b. Bu g\u0259lirl\u0259rin adamba\u015f\u0131na d\u00fc\u015f\u0259n m\u0259bl\u0259\u011fi 2901,2 manat olmaqla illik ifad\u0259d\u0259 6,4 faiz art\u0131b. Bel\u0259likl\u0259, ayd\u0131n olur ki, bilavasits\u0259 f\u0259rdi \u015f\u0259xsl\u0259rin borclanma al\u0259ti olan istehlak kreditl\u0259ri illik ifad\u0259d\u0259 18,7 faiz, \u0259halinin adamba\u015f\u0131na nominal g\u0259lirl\u0259ri is\u0259 az qala 3 d\u0259f\u0259 az – 6.4 faiz art\u0131b.<\/p>\n

\u00d6t\u0259n ild\u0259n b\u0259ri \u00f6lk\u0259d\u0259 kredit faizl\u0259ri d\u0259 y\u00fcks\u0259lib. M\u0259rk\u0259zi Bank\u0131n a\u00e7\u0131qlad\u0131\u011f\u0131 v\u0259 iyunun 1-n\u0259 olan v\u0259ziyy\u0259ti \u0259ks etdi\u0259n sonuncu m\u0259lumata g\u00f6r\u0259, Az\u0259rbaycanda kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si 13,65 faiz olub. \u00d6t\u0259n ilin iyun ay\u0131n\u0131n \u0259vv\u0259lind\u0259 bu g\u00f6st\u0259rici 12,74 faiz idi. Bu, kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259sinin 1 faiz\u0259 yax\u0131n artd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir.<\/p>\n

Qeyd ed\u0259k ki, son bir ild\u0259 milli valyutada veril\u0259n kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si 14,40 faizd\u0259n 15,04 faiz\u0259, xarici valyutada veril\u0259n kreditl\u0259r \u00fczr\u0259 orta faiz d\u0259r\u0259c\u0259si is\u0259 5,34 faizd\u0259n 5,66 faiz\u0259 y\u00fcks\u0259lib. Y\u0259ni faiz art\u0131m\u0131 istehlak kreditl\u0259rinin verildiyi manat kreditl\u0259rind\u0259 daha y\u00fcks\u0259k olub.<\/p>\n

\"\u018fkr\u0259m<\/p>\n

\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/p>\n

Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssis \u018fkr\u0259m H\u0259s\u0259novun \u201cYeni M\u00fcsavat\u201da dediyin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda problemli kreditl\u0259rin s\u0259viyy\u0259sinin artmas\u0131 \u00f6lk\u0259d\u0259ki sosial-iqtisadi dur\u011funluqla ba\u011fl\u0131d\u0131r:<\/strong>\u00a0\u201cBiznes inki\u015faf ed\u0259, i\u015fini geni\u015fl\u0259ndir\u0259 bilmir. N\u0259tic\u0259d\u0259 \u0259halinin i\u015f imkanlar\u0131 daral\u0131r, g\u0259liri azal\u0131r. Bu, \u0259halinin kredit ehtiyaclar\u0131n\u0131 art\u0131r\u0131r – istehlak kreditl\u0259ri bu s\u0259b\u0259bd\u0259n y\u00fcks\u0259lir. G\u0259lirl\u0259rin \u0259n yax\u015f\u0131 halda artmamas\u0131 \u0259halinin biznesin kredit qaytarmaq qabiliyy\u0259tini a\u015fa\u011f\u0131 sal\u0131r. Bu \u015f\u0259raitd\u0259 faizl\u0259r d\u0259 art\u0131r. Sonuncu m\u0259s\u0259l\u0259d\u0259 girov qoyulan \u0259mlaklar\u0131n sat\u0131lmamas\u0131 m\u00fch\u00fcm rol oynay\u0131r. Bu g\u00fcn y\u00fcks\u0259km\u0259rt\u0259b\u0259li binalarda m\u0259nzill\u0259rin qiym\u0259tini s\u00fcni \u015f\u0259kild\u0259 y\u00fcks\u0259k saxlasalar da, banklara girov qoyulan \u0259mlaklar\u0131 satmaq m\u00fcmk\u00fcn olmur. Y\u0259ni girov kimi d\u0259y\u0259rl\u0259ndirildiyi qiym\u0259t\u0259 satmaq olmur, \u00e7\u00fcnki al\u0131c\u0131l\u0131q qabiliyy\u0259ti a\u015fa\u011f\u0131d\u0131r. H\u0259rraclarda bel\u0259 \u0259mlaklar\u0131 alan yoxdur. Ham\u0131 bilir ki, haz\u0131rda da\u015f\u0131nmaz \u0259mlak bazar\u0131nda qiym\u0259tl\u0259r s\u00fcni \u015fi\u015firdilib, real qiym\u0259t xeyli a\u015fa\u011f\u0131d\u0131r\u201d.<\/p>\n

Ekspert vur\u011fulay\u0131r ki, problemli kreditl\u0259rin art\u0131m tempinin s\u00fcr\u0259tl\u0259nm\u0259si t\u0259hl\u00fck\u0259li tendensiyad\u0131r:<\/strong>\u00a0\u201cBilirsiniz ki, 2015-ci ild\u0259 problemli kreditl\u0259rin artmas\u0131nda manat\u0131n m\u0259z\u0259nn\u0259sind\u0259ki d\u0259yi\u015fiklik m\u00fch\u00fcm rol oynad\u0131. Bel\u0259 bir hal yenid\u0259n ya\u015fanarsa, problemli kreditl\u0259r yenid\u0259n ciddi b\u00f6hrana s\u0259b\u0259b ola bil\u0259r. M\u0259s\u0259l\u0259 buras\u0131ndad\u0131r ki, haz\u0131rda s\u0259sl\u0259ndiril\u0259n r\u0259q\u0259ml\u0259r banklar vasit\u0259sil\u0259 veril\u0259n istehlak kreditl\u0259rinin m\u0259bl\u0259\u011fini ifad\u0259 edir. Amma m\u0259i\u015f\u0259t texnikas\u0131, ev avadanl\u0131qlar\u0131n\u0131 banklar olmadan kreditl\u0259 ver\u0259n \u00e7oxsayl\u0131 ma\u011fazalar da var. Onlar\u0131n kredit d\u00f6vriyy\u0259sini d\u0259 n\u0259z\u0259r\u0259 alsaq, istehlak kreditl\u0259rinin real h\u0259cminin daha y\u00fcks\u0259k oldu\u011funu dey\u0259 bil\u0259rik.<\/p>\n

Bir m\u0259s\u0259l\u0259ni d\u0259 qeyd edim ki, problemli kreditl\u0259rin hans\u0131 bankda daha \u00e7ox, hans\u0131 bankda daha az oldu\u011fu bilinmir. El\u0259 banklar var ki, problemli kreditl\u0259rin m\u00fc\u0259yy\u0259n q\u0259d\u0259r art\u0131m\u0131 t\u0259hl\u00fck\u0259 yaratm\u0131r. Lakin z\u0259if banklar da var ki, vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259r problem\u0259 s\u0259b\u0259b olur. Bu is\u0259 ad\u0259t\u0259n bel\u0259 banklar\u0131n ba\u011flanmas\u0131 il\u0259 n\u0259tic\u0259l\u0259nir”.<\/p>\n

D\u00fcnya SAK\u0130T,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssisin dediyin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin s\u0259viyy\u0259sinin artmas\u0131 \u00f6lk\u0259d\u0259ki sosial-iqtisadi dur\u011funluqla ba\u011fl\u0131d\u0131r Bu il iyunun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 508,3 milyon manat t\u0259\u015fkil edib. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, bu, may\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 1,1 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 13,2\u00a0 faiz, son bir ild\u0259 is\u0259 9 faiz art\u0131b. May ay\u0131n\u0131n sonuna vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 x\u00fcsusi \u00e7\u0259kisi 1,7 faiz t\u0259\u015fkil edib. M\u0259rk\u0259zi Bank\u0131n r\u0259smi statistikas\u0131na \u0259sas\u0259n, 2025-ci ilin iyunun 1-n\u0259 banklar\u0131n m\u00fc\u015ft\u0259ril\u0259r\u0259 verdiyi kreditl\u0259rin \u00fcmumi h\u0259cmi (ehtiyatlar \u00e7\u0131x\u0131lmadan) 28 milyard…<\/p>\n","protected":false},"author":2,"featured_media":814114,"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\/07\/c14acdfa019ee8d3f5e487399ba63ede.jpg",870,500,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede.jpg",870,500,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede.jpg",870,500,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede-635x365.jpg",635,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede-840x483.jpg",640,368,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede.jpg",870,500,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede.jpg",870,500,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/c14acdfa019ee8d3f5e487399ba63ede.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":"Bank sah\u0259si \u00fczr\u0259 m\u00fct\u0259x\u0259ssisin dediyin\u0259 g\u00f6r\u0259, problemli kreditl\u0259rin s\u0259viyy\u0259sinin artmas\u0131 \u00f6lk\u0259d\u0259ki sosial-iqtisadi dur\u011funluqla ba\u011fl\u0131d\u0131r Bu il iyunun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 508,3 milyon manat t\u0259\u015fkil edib. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na \u0259sas\u0259n, bu, may\u0131n 1-i il\u0259 m\u00fcqayis\u0259d\u0259 1,1 faiz \u00e7oxdur. \u00d6lk\u0259d\u0259 problemli kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 nisb\u0259t\u0259n 13,2\u00a0 faiz, son bir ild\u0259 is\u0259 9 faiz…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/814113"}],"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=814113"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/814113\/revisions"}],"predecessor-version":[{"id":814115,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/814113\/revisions\/814115"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/814114"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=814113"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=814113"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=814113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}