{"id":817997,"date":"2025-07-29T10:46:28","date_gmt":"2025-07-29T06:46:28","guid":{"rendered":"https:\/\/arantv.az\/?p=817997"},"modified":"2025-07-29T10:46:28","modified_gmt":"2025-07-29T06:46:28","slug":"xalqin-banklardaki-15-milyardi-%c9%99man%c9%99t-etm%c9%99k-olarmi","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=817997","title":{"rendered":"Xalq\u0131n banklardak\u0131 15 milyard\u0131 – \u0259man\u0259t etm\u0259k olarm\u0131?"},"content":{"rendered":"
\n

Bir s\u0131ra hallarda banklar\u0131n aktivl\u0259ri h\u0259min \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131na \u00e7atm\u0131r<\/strong><\/h3>\n

Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 \u00f6lk\u0259nin bank sektoruna dair yar\u0131millik g\u00f6st\u0259ricil\u0259ri a\u00e7\u0131qlay\u0131b. \u201cYeni M\u00fcsavat\u201d t\u0259nziml\u0259yicinin statistik b\u00fclletenin\u0259 istinad\u0259n x\u0259b\u0259r verir ki,\u00a0 30 iyun 2025-ci il tarixin\u0259 Az\u0259rbaycanda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n 22 bank\u0131n filiallar\u0131n\u0131n say\u0131 496, \u015f\u00f6b\u0259l\u0259rinin say\u0131 86, ATM-l\u0259rin say\u0131 3,355 olub.<\/strong><\/p>\n

Hesabat d\u00f6vr\u00fcnd\u0259 f\u0259aliyy\u0259td\u0259 olan banklar\u0131n c\u0259mi aktivl\u0259ri 56 milyard 734.1 milyon manat, c\u0259mi \u00f6hd\u0259likl\u0259ri 49 milyard 788.2 milyon manat, balans kapital\u0131 6 milyard 945.9 milyon manat olub. \u0130yun ay\u0131nda banklar\u0131n c\u0259mi aktivl\u0259ri 0.3 faiz, c\u0259mi \u00f6hd\u0259likl\u0259ri 0.2 faiz, balans kapital\u0131 is\u0259 1.3 faiz art\u0131b.<\/p>\n

\u0130yun ay\u0131 \u0259rzind\u0259 banklar\u0131n kredit portfeli 0.3 faiz v\u0259 ya 85.6 milyon manat artaraq 28 milyard 472.1 milyon manat t\u0259\u015fkil edib. Kredit portfelinin strukturu bel\u0259dir: biznes kreditl\u0259ri – 53.2 faiz (15 milyard 143.7 milyon manat); istehlak kreditl\u0259ri – 31.3 faiz (8 milyard 898.3 milyon manat) v\u0259 ipoteka kreditl\u0259ri – 15.5 faiz (4,430.2 milyon manat).<\/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 75 faizi v\u0259 ya 37 milyard 53.3 milyon manat. Depozit portfelinin 59.7 faizi (22 milyard 292.6 milyon manat) h\u00fcquqi \u015f\u0259xsl\u0259rin, 40.3 faizi (15 milyard 60.7 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

Fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259tl\u0259rinin 67 faizi (10 milyard 95.8 milyon manat) milli valyutada, 33 faizi (4 milyard 964.9 milyon manat) xarici valyutadad\u0131r. Birinci r\u00fcbl\u0259 m\u00fcqayis\u0259d\u0259 xarici valyutada qoyulan \u0259man\u0259tl\u0259rin m\u0259bl\u0259\u011fi 5,9 milyon manat artsa da, manat \u0259man\u0259tl\u0259rind\u0259ki daha s\u00fcr\u0259tli art\u0131ma g\u00f6r\u0259 onun \u00fcmumi \u0259man\u0259t portfelind\u0259 pay\u0131 0,6 faiz b\u0259ndi (birinci r\u00fcb\u00fcn yekununda 33,6 faiz idi) azal\u0131b.<\/p>\n

M\u0259rk\u0259zi Bank\u0131n statistikas\u0131na \u0259sas\u0259n, fiziki \u015f\u0259xsl\u0259rin \u0259man\u0259t portfelinin 62.5-i (9 milyard 408 milyon manat) m\u00fcdd\u0259tli \u0259man\u0259tl\u0259rd\u0259n ibar\u0259tdir. Fiziki \u015f\u0259xsl\u0259rin m\u00fcdd\u0259tli \u0259man\u0259tl\u0259ri iyun ay\u0131nda 2.3 faiz v\u0259 ya 209.6 milyon manat, t\u0259l\u0259bli \u0259man\u0259tl\u0259ri is\u0259 2.1 faiz v\u0259 ya 116.9 milyon manat art\u0131b. 2025-ci ilin iyun ay\u0131nda bank sektoru \u00fczr\u0259 unikal m\u00fcdd\u0259tli \u0259man\u0259t\u00e7i say\u0131 1.9 faiz (3,112 \u0259man\u0259t\u00e7i), ilin \u0259vv\u0259lind\u0259n is\u0259 11.7 faiz (17,654 \u0259man\u0259t\u00e7i) art\u0131b. N\u0259z\u0259r\u0259 alsaq ki, yanvar\u0131n 1-n\u0259 Az\u0259rbaycanda 150,5 min n\u0259f\u0259r unikal \u0259man\u0259t\u00e7i olub, onda iyulun birin\u0259 onlar\u0131n say\u0131n\u0131n 167 154-\u0259 \u00e7atd\u0131\u011f\u0131n\u0131 dey\u0259 bil\u0259rik. \u201cUnikal\u201d \u0259man\u0259t\u00e7i dedikd\u0259, bir v\u0259 ya bir ne\u00e7\u0259 bankda m\u00fcdd\u0259tli \u0259man\u0259tl\u0259ri olan \u015f\u0259xsl\u0259r n\u0259z\u0259rd\u0259 tutulur. M\u0259s\u0259l\u0259n, bir \u015f\u0259xsin 5 m\u00fcxt\u0259lif bankda m\u00fcdd\u0259tli \u0259man\u0259ti m\u00f6vcuddursa, o, \u00fcmumi statistikada yaln\u0131z bir unikal \u0259man\u0259t\u00e7i kimi qeyd olunur.\u00a0<\/strong><\/p>\n

\u018fks\u0259r m\u00fct\u0259x\u0259ssisl\u0259r\u0259 g\u00f6r\u0259, \u0259hali say\u0131 10 milyon n\u0259f\u0259rd\u0259n yuxar\u0131 olan Az\u0259rbaycanda \u0259man\u0259t\u00e7i say\u0131 \u00e7ox azd\u0131r. Bel\u0259 ki, banklarda \u0259man\u0259ti olan \u015f\u0259xsl\u0259r \u00f6lk\u0259 \u0259halisinin 1,7 faizind\u0259n d\u0259 az\u0131n\u0131 t\u0259\u015fkil edir. M\u00fct\u0259x\u0259ssisl\u0259r\u0259 g\u00f6r\u0259, bu v\u0259ziyy\u0259t \u00f6lk\u0259d\u0259 g\u0259lirl\u0259rin ki\u00e7ik bir qrupun \u0259lind\u0259 c\u0259ml\u0259\u015fdiyinin g\u00f6st\u0259ricisidir.<\/p>\n

2000-ci ill\u0259rd\u0259n \u00f6t\u0259n m\u00fcdd\u0259td\u0259 Az\u0259rbaycanda 22 bank\u0131n lisenziyas\u0131 l\u0259\u011fv edilib. Onlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti 2015-2016-c\u0131 ill\u0259rd\u0259ki devalvasiyalardan sonra b\u00f6hranl\u0131 v\u0259ziyy\u0259t\u0259 d\u00fc\u015f\u0259r\u0259k iflas edibl\u0259r. Banklar\u0131n l\u0259\u011fvetm\u0259 prosesini h\u0259yata ke\u00e7ir\u0259n \u018fman\u0259tl\u0259rin S\u0131\u011fortalanmas\u0131 Fondunun (AD\u0130F) internet sayt\u0131nda yerl\u0259\u015fdiril\u0259n m\u0259lumatdan ayd\u0131n olur ki, indiy\u0259d\u0259k ba\u011flanan 22 bank\u0131n l\u0259\u011fvetm\u0259 prosesi davam edir. He\u00e7 birind\u0259 proses yekunla\u015fmay\u0131b.<\/p>\n

Bu banklarda olan \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131 zaman\u0131 m\u00fc\u0259yy\u0259n \u00e7\u0259tinlikl\u0259r yaran\u0131b. Do\u011frudur, \u0259ks\u0259r ba\u011flanan banklarda qorunan \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131 sah\u0259sind\u0259 ciddi probleml\u0259r yaranmay\u0131b. D\u00f6vl\u0259t bel\u0259 \u0259man\u0259tl\u0259ri qaytarmaq \u00fc\u00e7\u00fcn aktivl\u0259ri olmayan banklar\u0131n qorunan \u0259man\u0259tl\u0259rini \u00f6z hesab\u0131na qaytar\u0131b. X\u00fcsusil\u0259 vaxtil\u0259 sistem \u0259h\u0259miyy\u0259tli banklardan biri olan “StandartBank”dak\u0131 \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131 d\u00f6vl\u0259t\u0259 ciddi maliyy\u0259 y\u00fck\u00fc yarad\u0131b. Lakin ba\u011flanan banklarda qorunmayan \u0259man\u0259tl\u0259ri olan \u015f\u0259xsl\u0259r ill\u0259rl\u0259 \u00f6z v\u0259saitl\u0259rini almaq \u00fc\u00e7\u00fcn m\u00fcbariz\u0259 aparmal\u0131 olurlar. Bir s\u0131ra hallarda bel\u0259 \u0259man\u0259tl\u0259rin kompensasiyas\u0131 prosesind\u0259 gizli s\u00f6vd\u0259l\u0259\u015fm\u0259l\u0259r v\u0259t\u0259nda\u015flar\u0131n k\u00fctl\u0259vi etirazlar\u0131na, m\u0259hk\u0259m\u0259l\u0259r\u0259 \u00fcz tutmalar\u0131na s\u0259b\u0259b olur.<\/p>\n

Qanunvericiliy\u0259 \u0259sas\u0259n, qorunmayan \u0259man\u0259tl\u0259r ba\u011flanan bank\u0131n aktivl\u0259ri hesab\u0131na kompensasiya olunmal\u0131 kreditorlar s\u0131ras\u0131nda 7-ci yerd\u0259 g\u0259lirl\u0259r. Bir s\u0131ra hallarda banklar\u0131n aktivl\u0259ri h\u0259min \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131na \u00e7atm\u0131r.<\/strong><\/p>\n

Maraql\u0131d\u0131r ki, bel\u0259 m\u0259nfi t\u0259cr\u00fcb\u0259l\u0259r \u0259halid\u0259 \u0259man\u0259tl\u0259rinin s\u0131\u011fortalanmas\u0131n\u0131 t\u0259min etm\u0259k sah\u0259sind\u0259 immunitetin formala\u015fmas\u0131nda b\u00f6y\u00fck rol oynay\u0131b. Sad\u0259 insanlar \u0259ks\u0259r hallarda \u0259man\u0259tl\u0259rinin tam s\u0131\u011fortalanmas\u0131n\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn v\u0259saitl\u0259rini b\u00f6l\u0259r\u0259k bir ne\u00e7\u0259 banka yerl\u0259\u015fdirirl\u0259r.<\/p>\n

\u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanuna \u0259sas\u0259n, m\u0259bl\u0259\u011fi 100 min manatdan \u00e7ox olmayan manatla 12, xarici valyuta il\u0259 2.5 faiz\u0259d\u0259k divident \u00f6d\u0259nil\u0259n \u0259man\u0259tl\u0259r s\u0131\u011fortalan\u0131r. H\u0259min qanunun 26.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, \u0259man\u0259t\u00e7iy\u0259 AD\u0130F t\u0259r\u0259find\u0259n h\u0259r bir i\u015ftirak\u00e7\u0131 bankda s\u0131\u011fortalanm\u0131\u015f \u0259man\u0259t \u00fczr\u0259 \u0259man\u0259tin 100 faizi h\u0259cmind\u0259, lakin 100 min manatdan \u00e7ox olmamaq \u015f\u0259rtil\u0259 kompensasiya \u00f6d\u0259nilir.<\/p>\n

Sahibkarl\u0131qla m\u0259\u015f\u011ful olan \u015f\u0259xsl\u0259rin hans\u0131 m\u0259bl\u0259\u011fd\u0259 v\u0259saitl\u0259ri kompensasiya olunur? Bildirilir ki, fond t\u0259r\u0259find\u0259n h\u0259r bir i\u015ftirak\u00e7\u0131 bankda s\u0131\u011fortalanm\u0131\u015f \u0259man\u0259t \u00fczr\u0259 \u0259man\u0259tin 100 faizi h\u0259cmind\u0259, lakin 100 (bir y\u00fcz) min manatdan \u00e7ox olmamaq \u015f\u0259rtil\u0259 kompensasiya \u00f6d\u0259nilir. Fiziki \u015f\u0259xsl\u0259rin sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 \u0259laq\u0259dar a\u00e7d\u0131\u011f\u0131 bank hesablar\u0131ndak\u0131 pul v\u0259saitl\u0259ri \u00fczr\u0259 kompensasiya 20 (iyirmi) min manatdan \u00e7ox olmamaqla, notariuslar\u0131n depozit hesablar\u0131nda olan fiziki \u015f\u0259xsl\u0259r\u0259 m\u0259xsus pul v\u0259saitl\u0259ri \u00fczr\u0259 kompensasiya is\u0259 h\u0259min pul v\u0259saitl\u0259rinin 100 faizi h\u0259cmind\u0259 \u00f6d\u0259nilir.<\/strong><\/p>\n

\u201c\u018fman\u0259tl\u0259rin s\u0131\u011fortalanmas\u0131 haqq\u0131nda\u201d Qanunun 2.1.2-ci madd\u0259sin\u0259 \u0259sas\u0259n, bunlar qorunan \u0259man\u0259tl\u0259r\u0259 aid edilmir:<\/p>\n

– bank\u0131n Az\u0259rbaycan Respublikas\u0131n\u0131n \u0259razisind\u0259n k\u0259narda a\u00e7\u0131lm\u0131\u015f b\u00f6lm\u0259l\u0259ri t\u0259r\u0259find\u0259n c\u0259lb olunmu\u015f \u0259man\u0259tl\u0259r;<\/strong><\/p>\n

– cinay\u0259t yolu il\u0259 \u0259ld\u0259 edilmi\u015f pul v\u0259saitl\u0259rinin v\u0259 ya dig\u0259r \u0259mlak\u0131n leqalla\u015fd\u0131r\u0131lmas\u0131 v\u0259 terror\u00e7ulu\u011fun maliyy\u0259l\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 \u015f\u00fcbh\u0259li \u0259m\u0259liyyatlar n\u0259tic\u0259sind\u0259 qanunvericiliy\u0259 m\u00fcvafiq qaydada m\u00fc\u0259yy\u0259n edilmi\u015f \u0259man\u0259tl\u0259r;<\/strong><\/p>\n

– cinay\u0259tin t\u00f6r\u0259dilm\u0259si n\u0259tic\u0259sind\u0259 yaranmas\u0131 m\u0259hk\u0259m\u0259 q\u0259rar\u0131 il\u0259 t\u0259sdiq edilmi\u015f \u0259man\u0259tl\u0259r;<\/strong><\/p>\n

– \u00fcz\u0259rin\u0259 h\u0259bs qoyulmu\u015f \u0259man\u0259tl\u0259r;<\/strong><\/p>\n

– c\u0259lb edildiyi g\u00fcn\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f h\u0259dd\u0259n (milli valyutada olan \u0259man\u0259tl\u0259r \u00fczr\u0259 12 faiz, xarici valyutada olan \u0259man\u0259tl\u0259r \u00fczr\u0259 is\u0259 2,5 faiz) yuxar\u0131 illik faiz d\u0259r\u0259c\u0259si il\u0259 q\u0259bul edilmi\u015f \u0259man\u0259tl\u0259r;<\/strong><\/p>\n

– fiziki \u015f\u0259xsl\u0259rin sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 \u0259laq\u0259dar a\u00e7d\u0131\u011f\u0131 bank hesablar\u0131ndak\u0131 20 (iyirmi) min manatdan yuxar\u0131 pul v\u0259saitl\u0259ri;<\/strong><\/p>\n

– fiziki \u015f\u0259xsl\u0259rin bank\u0131n v\u0259kal\u0259tli idar\u0259etm\u0259sind\u0259 olan pul v\u0259saitl\u0259ri.<\/strong><\/p>\n

Son ill\u0259rd\u0259 ba\u011flanan banklardak\u0131 \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 x\u0259rcl\u0259rin azalmas\u0131 fonunda M\u0259rk\u0259zi Bank\u0131n AD\u0130F-\u0259 verdiyi kreditl\u0259r d\u0259 azal\u0131r. Bel\u0259 ki, r\u0259smi m\u0259lumata g\u00f6r\u0259, bel\u0259 kreditl\u0259rin \u00fcmumi m\u0259bl\u0259\u011fi 163 milyon 945 min manat olub. Bu is\u0259 o dem\u0259kdir ki, g\u00f6st\u0259rici illik m\u00fcqayis\u0259d\u0259 24,3 faiz v\u0259 ya 52.5 milyon manat azd\u0131r.<\/p>\n

AD\u0130F-\u0259 verilmi\u015f kreditl\u0259r\u0259 lisenziyas\u0131 l\u0259\u011fv edilmi\u015f v\u0259 m\u00fcvafiq m\u0259hk\u0259m\u0259 q\u0259rarlar\u0131 \u0259sas\u0131nda m\u00fcflis elan olunmu\u015f banklarda fiziki \u015f\u0259xsl\u0259rin qorunan \u0259man\u0259tl\u0259rinin qaytar\u0131lmas\u0131 \u00fczr\u0259 kompensasiyalar\u0131n \u00f6d\u0259nilm\u0259si, bununla da maliyy\u0259-bank sisteminin dayan\u0131ql\u0131\u011f\u0131n\u0131 t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 d\u00f6vl\u0259t z\u0259man\u0259ti il\u0259 verilmi\u015f a\u015fa\u011f\u0131 faizli kreditl\u0259r daxildir.<\/p>\n

Maraql\u0131d\u0131r ki, qorunmayan \u0259man\u0259tl\u0259rin kompensasiya olunmas\u0131 sah\u0259sind\u0259ki probleml\u0259r b\u0259zi \u0259man\u0259t\u00e7il\u0259r \u00fc\u00e7\u00fcn mane\u0259 hesab olunmur. Bel\u0259 ki, a\u00e7\u0131qlanan m\u0259lumatlar g\u00f6st\u0259rir ki, \u00f6lk\u0259 \u00fczr\u0259 \u0259man\u0259tl\u0259rin b\u00f6y\u00fck hiss\u0259si az sayda \u0259man\u0259t\u00e7iy\u0259 m\u0259xsusdur. M\u0259s\u0259l\u0259n, bel\u0259 bir fakt \u00f6t\u0259n ay Moody\u2019s Beyn\u0259lxalq Reytinq Agentliyi t\u0259r\u0259find\u0259n a\u00e7\u0131qlan\u0131b. Agentlik XalqBank\u0131n investisiya reytinqin\u0259 dair hesabat\u0131nda bank\u0131n depozit portfelind\u0259 y\u00fcks\u0259k konsentrasiya riskini d\u0259 qeyd edib. Bel\u0259 ki, ilk 20 depozit\u00e7i \u00fcmumi depozitl\u0259rin 54 faizinin sahibidir. Bank\u0131n hesabat\u0131ndan ayd\u0131n olur ki, depozit portfelinin \u00fcmumi h\u0259cmi 1 yanvar 2025-ci il tarixin\u0259 1 milyard 905,4 milyon manat t\u0259\u015fkil edib. Bu is\u0259 o dem\u0259kdir ki, bank\u0131n portfelinin 1 milyard 28,7 milyon manat\u0131 20 \u0259man\u0259t\u00e7iy\u0259 aiddir. S\u00f6z\u00fcged\u0259n h\u0259r bir \u0259man\u0259t\u00e7i orta hesabla bankda 51,4 milyon manat v\u0259sait saxlay\u0131r.\u00a0 Buna baxmayaraq, sabit m\u00fc\u015ft\u0259ri bazas\u0131 bu riski qism\u0259n kompensasiya edir. Agentlik qeyd edib ki, banka reytinq d\u0259st\u0259yi Az\u0259rbaycan h\u00f6kum\u0259tinin potensial m\u00fcdaxil\u0259si ehtimal\u0131 il\u0259 bir pill\u0259 art\u0131r\u0131l\u0131b. Haz\u0131rk\u0131 reytinq g\u00f6st\u0259ricil\u0259rin\u0259 m\u0259nfi t\u0259sir yaln\u0131z aktiv riskl\u0259rinin artmas\u0131 v\u0259 ya d\u00f6vl\u0259t d\u0259st\u0259yinin z\u0259ifl\u0259m\u0259si fonunda ba\u015f ver\u0259 bil\u0259r.<\/p>\n

M\u00fct\u0259x\u0259ssisl\u0259r\u0259 g\u00f6r\u0259, ara\u015fd\u0131r\u0131laraq m\u00fcvafiq m\u0259lumatlar a\u00e7\u0131qlanarsa, \u0259ks\u0259r banklarda \u0259man\u0259tl\u0259rl\u0259 ba\u011fl\u0131 ox\u015far situasiyan\u0131n oldu\u011fu \u00fcz\u0259 \u00e7\u0131xar. Bu is\u0259 h\u0259m banklar \u00fc\u00e7\u00fcn riskl\u0259r formala\u015fd\u0131r\u0131r (bir ne\u00e7\u0259 iri \u0259man\u0259t\u00e7inin v\u0259saitini bankdan \u00e7\u0259km\u0259si onun iflas\u0131na s\u0259b\u0259b ola bil\u0259r), h\u0259m d\u0259 h\u0259min banka k\u00fclli miqdarda v\u0259sait yat\u0131ran \u0259man\u0259t\u00e7i \u00fc\u00e7\u00fcn (bank iflas ed\u0259rs\u0259, qoydu\u011fu \u0259man\u0259tin c\u00fczi bir hiss\u0259sini ala bil\u0259c\u0259k).<\/p>\n

D\u00fcnya SAK\u0130T,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

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

Bir s\u0131ra hallarda banklar\u0131n aktivl\u0259ri h\u0259min \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131na \u00e7atm\u0131r Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 \u00f6lk\u0259nin bank sektoruna dair yar\u0131millik g\u00f6st\u0259ricil\u0259ri a\u00e7\u0131qlay\u0131b. \u201cYeni M\u00fcsavat\u201d t\u0259nziml\u0259yicinin statistik b\u00fclletenin\u0259 istinad\u0259n x\u0259b\u0259r verir ki,\u00a0 30 iyun 2025-ci il tarixin\u0259 Az\u0259rbaycanda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n 22 bank\u0131n filiallar\u0131n\u0131n say\u0131 496, \u015f\u00f6b\u0259l\u0259rinin say\u0131 86, ATM-l\u0259rin say\u0131 3,355 olub. Hesabat d\u00f6vr\u00fcnd\u0259 f\u0259aliyy\u0259td\u0259 olan banklar\u0131n c\u0259mi aktivl\u0259ri 56 milyard 734.1 milyon manat, c\u0259mi \u00f6hd\u0259likl\u0259ri 49 milyard 788.2 milyon manat, balans kapital\u0131 6 milyard 945.9 milyon manat olub. \u0130yun ay\u0131nda banklar\u0131n c\u0259mi aktivl\u0259ri 0.3 faiz, c\u0259mi \u00f6hd\u0259likl\u0259ri 0.2 faiz, balans kapital\u0131 is\u0259 1.3…<\/p>\n","protected":false},"author":2,"featured_media":817999,"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\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f-555x365.jpg",555,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",640,421,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/07\/5cec0946789f618ee71ce2d07dde2c6f.jpg",700,460,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":"Bir s\u0131ra hallarda banklar\u0131n aktivl\u0259ri h\u0259min \u0259man\u0259tl\u0259rin qaytar\u0131lmas\u0131na \u00e7atm\u0131r Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 \u00f6lk\u0259nin bank sektoruna dair yar\u0131millik g\u00f6st\u0259ricil\u0259ri a\u00e7\u0131qlay\u0131b. \u201cYeni M\u00fcsavat\u201d t\u0259nziml\u0259yicinin statistik b\u00fclletenin\u0259 istinad\u0259n x\u0259b\u0259r verir ki,\u00a0 30 iyun 2025-ci il tarixin\u0259 Az\u0259rbaycanda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n 22 bank\u0131n filiallar\u0131n\u0131n say\u0131 496, \u015f\u00f6b\u0259l\u0259rinin say\u0131 86, ATM-l\u0259rin say\u0131 3,355 olub. Hesabat d\u00f6vr\u00fcnd\u0259 f\u0259aliyy\u0259td\u0259 olan banklar\u0131n c\u0259mi aktivl\u0259ri…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/817997"}],"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=817997"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/817997\/revisions"}],"predecessor-version":[{"id":818000,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/817997\/revisions\/818000"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/817999"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=817997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=817997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=817997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}