{"id":854274,"date":"2026-06-03T13:29:34","date_gmt":"2026-06-03T09:29:34","guid":{"rendered":"https:\/\/arantv.az\/?p=854274"},"modified":"2026-06-03T13:29:34","modified_gmt":"2026-06-03T09:29:34","slug":"%c9%99man%c9%99tl%c9%99r-artir-biznes-pullari-azalir-bank-sektorunda-n%c9%99-bas-verir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=854274","title":{"rendered":"\u018fman\u0259tl\u0259r art\u0131r, biznes pullar\u0131 azal\u0131r \u2013 Bank sektorunda n\u0259 ba\u015f verir?"},"content":{"rendered":"<div class=\"text-content\" data-id=\"\" data-url=\"\">\n<p><strong>Bu il may\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n depozit portfeli 41 milyard 337,5 milyon manat olub. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) m\u0259lumat\u0131na g\u00f6r\u0259, bu, ayl\u0131q m\u00fcqayis\u0259d\u0259 0,8 %, ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 0,9 %, \u00f6t\u0259n il may\u0131n 1-n\u0259 nisb\u0259t\u0259n is\u0259 0,2 % azd\u0131r.<\/strong><\/p>\n<p>Depozit portfelinin 47,4 %-i, yaxud 19 milyard 608,2 milyon manat\u0131 qeyri-maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcb. Bu, illik m\u00fcqayis\u0259d\u0259 15,6 % azd\u0131r. \u0130l \u0259rzind\u0259 ev t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n \u0259man\u0259tl\u0259ri 18,8 % artaraq 17 milyard 641,9 milyon manata, maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n depozitl\u0259ri is\u0259 22 % artaraq 4 milyard 87,4 milyon manata \u00e7at\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 c\u0259mi depozitl\u0259rin 22 milyard 169,3 milyon manat\u0131 (1 il \u0259vv\u0259l\u0259 nisb\u0259t\u0259n 4,1 % az) q\u0131sam\u00fcdd\u0259tli, 19 milyard 168,1 milyon manat\u0131 (4,7 % \u00e7ox) is\u0259 uzunm\u00fcdd\u0259tli olub.<\/p>\n<p>Depozitl\u0259rin azalma s\u0259b\u0259bi faizl\u0259rin azl\u0131\u011f\u0131, yoxsa v\u0259t\u0259nda\u015flarda yet\u0259rli v\u0259saitin olmamas\u0131 il\u0259 ba\u011fl\u0131d\u0131r?<\/p>\n<p><img src=\"https:\/\/www.gununsesi.info\/wp-content\/uploads\/2025\/02\/Ekr%C9%99m-H%C9%99s%C9%99nov.jpg\" \/><\/p>\n<p><strong>H\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259nov Musavat.com-a bildirib ki,<\/strong>\u00a0depozit portfeli v\u0259t\u0259nda\u015flarla yana\u015f\u0131, sahibkarlar\u0131n, \u015firk\u0259tl\u0259rin, h\u0259tta banklar\u0131n, yaxud bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n bir-birind\u0259 saxlad\u0131\u011f\u0131 pullard\u0131r.<\/p>\n<p>O, \u015f\u0259rhind\u0259 ekspert qeyd edib ki, Az\u0259rbaycan banklar\u0131ndak\u0131 41 milyard 337,5 milyon manat\u0131n 17 milyard 600 milyonu v\u0259t\u0259nda\u015flar\u0131n \u0259man\u0259tl\u0259ridir: \u201cQalan pullar is\u0259 depozitdir, y\u0259ni sahibkarlar\u0131n pullar\u0131d\u0131r. Onlar\u0131n da bir hiss\u0259si banklarda saxlanmal\u0131d\u0131r. Qanunvericiliy\u0259 g\u00f6r\u0259, \u015firk\u0259tl\u0259rin bir hiss\u0259si ayda 15 min, dig\u0259rl\u0259ri is\u0259 30 min manatdan art\u0131q na\u011fd \u00f6d\u0259ni\u015f ed\u0259 bilm\u0259z. Bu, bankdan pul \u00e7\u0131xar\u0131lmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq \u00fc\u00e7\u00fcnd\u00fcr.<\/p>\n<p>\u018fslind\u0259, qanun d\u00fczg\u00fcn t\u0259tbiq edilmir. Sahibkarlar\u0131 pulu banklarda saxlama\u011fa m\u0259cbur etm\u0259k do\u011fru yana\u015fma deyil. V\u0259t\u0259nda\u015flara g\u0259ldikd\u0259 is\u0259, \u0259slind\u0259, bank \u0259man\u0259tl\u0259ri art\u0131b \u2013 bu ilin \u0259vv\u0259lin\u0259 17 milyard manata yax\u0131n idis\u0259, art\u0131q 17 milyard 600 milyondan \u00e7oxdur. V\u0259t\u0259nda\u015flar\u0131n \u0259man\u0259tl\u0259ri ona g\u00f6r\u0259 art\u0131b ki, pullar\u0131n\u0131 qoyma\u011fa ba\u015fqa yer yoxdur. \u018fman\u0259t qoyan yaln\u0131z Az\u0259rbaycan v\u0259t\u0259nda\u015flar\u0131 deyil, h\u0259m d\u0259 xarici v\u0259t\u0259nda\u015flard\u0131r. B\u0259lk\u0259 d\u0259 \u00f6z adlar\u0131na deyil, kiml\u0259rins\u0259 ad\u0131na qoyurlar. Onlar aras\u0131nda Rusiya v\u0259 G\u00fcrc\u00fcstanda ya\u015fayan az\u0259rbaycanl\u0131lar var. Xaricil\u0259r bizim banklara ona g\u00f6r\u0259 \u0259man\u0259tl\u0259r yerl\u0259\u015fdirirl\u0259r ki, bankda faizl\u0259r y\u00fcks\u0259kdir \u2013 milli valyutada 11-12 faiz, y\u0259ni qazanc \u0259ld\u0259 edirl\u0259r\u201d.<\/p>\n<p>\u018f.H\u0259s\u0259nov hesab edir ki, depozit h\u0259cmind\u0259 azalma v\u0259t\u0259nda\u015flar\u0131n \u0259man\u0259tl\u0259rinin deyil, biznesin pulunun azalmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. \u201cBu da onunla ba\u011fl\u0131d\u0131r ki, iqtisadi aktivlik z\u0259ifl\u0259yir, sahibkarlar\u0131n pulu getdikd\u0259 azal\u0131r. Banklarda da pul azal\u0131r v\u0259 bu proses davam ed\u0259c\u0259k\u201d, &#8211; dey\u0259 o, qeyd edib.<\/p>\n<p><strong>Nigar H\u0259s\u0259nli,<\/strong><br \/>\n<strong>Musavat.com<\/strong><\/p>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div class=\"inner-social-box\">\n<div class=\"subs-in-social subs-whatsapp\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bu il may\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n depozit portfeli 41 milyard 337,5 milyon manat olub. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) m\u0259lumat\u0131na g\u00f6r\u0259, bu, ayl\u0131q m\u00fcqayis\u0259d\u0259 0,8 %, ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 0,9 %, \u00f6t\u0259n il may\u0131n 1-n\u0259 nisb\u0259t\u0259n is\u0259 0,2 % azd\u0131r. Depozit portfelinin 47,4 %-i, yaxud 19 milyard 608,2 milyon manat\u0131 qeyri-maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcb. Bu, illik m\u00fcqayis\u0259d\u0259 15,6 % azd\u0131r. \u0130l \u0259rzind\u0259 ev t\u0259s\u0259rr\u00fcfatlar\u0131n\u0131n \u0259man\u0259tl\u0259ri 18,8 % artaraq 17 milyard 641,9 milyon manata, maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n depozitl\u0259ri is\u0259 22 % artaraq 4 milyard 87,4 milyon manata \u00e7at\u0131b. Hesabat d\u00f6vr\u00fcnd\u0259 c\u0259mi depozitl\u0259rin&hellip;<\/p>\n","protected":false},"author":2,"featured_media":854275,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a-545x365.jpg",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",640,429,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2026\/06\/f60febd91172e8a59342760975d45a2a.jpg",690,462,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Bu il may\u0131n 1-n\u0259 Az\u0259rbaycan banklar\u0131n\u0131n depozit portfeli 41 milyard 337,5 milyon manat olub. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) m\u0259lumat\u0131na g\u00f6r\u0259, bu, ayl\u0131q m\u00fcqayis\u0259d\u0259 0,8 %, ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 0,9 %, \u00f6t\u0259n il may\u0131n 1-n\u0259 nisb\u0259t\u0259n is\u0259 0,2 % azd\u0131r. Depozit portfelinin 47,4 %-i, yaxud 19 milyard 608,2 milyon manat\u0131 qeyri-maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n pay\u0131na d\u00fc\u015f\u00fcb. Bu,&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854274"}],"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=854274"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854274\/revisions"}],"predecessor-version":[{"id":854276,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/854274\/revisions\/854276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/854275"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=854274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=854274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=854274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}