\u201cMoody’s Investor Service\u201d Beyn\u0259lxalq Reytinq Agentliyi bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l \u00f6lk\u0259nin \u00fcmumi maliyy\u0259 sektorunun, o c\u00fcml\u0259d\u0259n bir s\u0131ra tan\u0131nm\u0131\u015f banklar\u0131n\u0131n d\u0259y\u0259rl\u0259ndirilm\u0259sini h\u0259yata ke\u00e7irib. N\u00f6vb\u0259ti qiym\u0259tl\u0259ndirilm\u0259nin yekunu olaraq, agentliyin hesabat\u0131n\u0131 \u0259trafl\u0131 t\u0259hlil etm\u0259k yax\u015f\u0131 olard\u0131.<\/p>\n
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Cari ilin iyul ay\u0131n\u0131n 26-da Az\u0259rbaycan\u0131n bank sektoru il\u0259 ba\u011fl\u0131 a\u00e7\u0131qlanan hesabatda deyilir ki, xarici valyuta riskl\u0259ri v\u0259 z\u0259if \u0259m\u0259liyyat m\u00fchiti Az\u0259rbaycan\u0131n bank sektorunun inki\u015faf\u0131na mane\u0259 yaradan \u0259sas amill\u0259r olaraq qal\u0131r. \u00dcmumi daxili m\u0259hsul istehsal\u0131n\u0131n v\u0259 kreditl\u0259r\u0259 t\u0259l\u0259bat\u0131n azalmas\u0131, inflyasiyan\u0131n s\u00fcr\u0259tl\u0259nm\u0259si bu il d\u0259 banklar\u0131n kreditl\u0259\u015fm\u0259sin\u0259 \u0259ng\u0259l t\u00f6r\u0259tm\u0259kd\u0259 davam ed\u0259c\u0259k. Lakin banklara aid d\u0259y\u0259rl\u0259ndirilm\u0259y\u0259 n\u0259z\u0259r salsaq, istisnalar\u0131n oldu\u011funu g\u00f6r\u00fcr\u00fck.<\/p>\n
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\u0130ST\u0130SNALAR M\u00d6VCUDDUR…<\/strong><\/p>\n <\/p>\n Misal \u00fc\u00e7\u00fcn, “Kapital Bank”\u0131n hesabatlar\u0131n\u0131 g\u00f6zd\u0259n ke\u00e7ir\u0259nd\u0259 m\u0259lum olur ki, 2016-c\u0131 ild\u0259 bank\u0131n kredit portfeli 15% artaraq 1,3 mlrd. manata \u00e7at\u0131b. He\u00e7 k\u0259s\u0259 sirr deyil ki, \u00f6t\u0259n il bank sektoru \u00fc\u00e7\u00fcn o q\u0259d\u0259r asan olmad\u0131. H\u0259qiq\u0259t\u0259n d\u0259 banklar \u00f6t\u0259n il m\u00fcxt\u0259lif s\u0259b\u0259bl\u0259rd\u0259n kreditl\u0259\u015fm\u0259ni azaltd\u0131, b\u0259zil\u0259ri is\u0259 \u00fcmumiyy\u0259tl\u0259 dayand\u0131rd\u0131. Bank h\u0259l\u0259 d\u0259 aktiv, eyni zamanda m\u0259suliyy\u0259tli \u015f\u0259kild\u0259 kreditl\u0259\u015fm\u0259ni davam etdirir. Aktiv kreditl\u0259\u015fm\u0259nin s\u0259b\u0259bi m\u0259lumdur: bank\u0131n likvidlikl\u0259 ba\u011fl\u0131 problemi yoxdur. Aktiv v\u0259 m\u0259suliyy\u0259tli kreditl\u0259\u015fm\u0259 aras\u0131nda birba\u015fa \u0259laq\u0259 var. Bel\u0259 ki, m\u0259suliyy\u0259tli kreditl\u0259\u015fm\u0259 s\u0259b\u0259bind\u0259n kredit portfelinin keyfiyy\u0259ti q\u0259na\u0259tb\u0259x\u015fdir \u2013 problemli kreditl\u0259rin \u00fcmumi portfeld\u0259 \u00e7\u0259kisi is\u0259 el\u0259 d\u0259 b\u00f6y\u00fck deyil, ba\u015fqa s\u00f6zl\u0259, idar\u0259olunan s\u0259viyy\u0259d\u0259dir. Bu is\u0259 aktiv kreditl\u0259\u015fm\u0259 \u00fc\u00e7\u00fcn \u0259la z\u0259min yarad\u0131r. Bunu \u0259b\u0259s yer\u0259 qeyd etm\u0259dim. \u00c7\u00fcnki “Moody`s” \u00f6z hesabat\u0131nda vur\u011fulay\u0131b ki, aktivl\u0259rin keyfiyy\u0259tinin z\u0259if olmas\u0131 yerli banklar\u0131n rentabelliyin\u0259 v\u0259 kapitalla\u015fmas\u0131na neqativ t\u0259sir edir.<\/p>\n <\/p>\n 2016-c\u0131 ilin yekununda \u00f6lk\u0259nin \u00fcmumi bank sektorunun kredit portfelinin 30%-i problemlidir. Halbuki 2015-ci ild\u0259 bu g\u00f6st\u0259rici 16% olub. T\u0259\u015fkilat\u0131n analitikl\u0259ri hesab edir ki, bu il d\u0259 problemli kreditl\u0259rin \u00fcmumi portfeld\u0259 \u00e7\u0259kisi y\u00fcks\u0259k olaraq qalacaq. Buna s\u0259b\u0259b qeyri-q\u0259na\u0259tb\u0259x\u015f bazar \u015f\u0259raitinin olmas\u0131d\u0131r.<\/p>\n <\/p>\n Hesabata n\u0259z\u0259r salmaqda davam edirik. “Moody’s” hesab edir ki, bir \u00e7ox banklar bu ili d\u0259 z\u0259r\u0259rl\u0259 ba\u015fa vuracaq. “Kapital Bank” \u00f6t\u0259n ili 52 mln. 385 min manat m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurub. Bu ilin ilk r\u00fcb\u00fcnd\u0259 bank\u0131n m\u0259nf\u0259\u0259tinin t\u0259xmin\u0259n 31 mln. manat, II r\u00fcb\u00fcn sonuna is\u0259 40,7 mln. manat oldu\u011funu n\u0259z\u0259r\u0259 alsaq, anlamaq olar ki, “Kapital Bank”\u0131n bu q\u0259bild\u0259n olan banklar\u0131n siyah\u0131s\u0131nda olmas\u0131 real deyil.<\/p>\n \u201cKapital Bank\u201d\u0131n haz\u0131rk\u0131 kredit \u00f6d\u0259m\u0259 qabiliyy\u0259tinin baza s\u0259viyy\u0259si (BCA) “b1”, yerli v\u0259 xarici valyutada olan uzunm\u00fcdd\u0259tli depozit reytinqi is\u0259 “Ba3” s\u0259viyy\u0259sind\u0259 t\u0259sdiql\u0259n\u0259r\u0259k d\u0259yi\u015film\u0259z saxlan\u0131l\u0131b. Kontragentin uzunm\u00fcdd\u0259tli risk d\u0259y\u0259rl\u0259ndirm\u0259sini “Ba2 (cr)”, q\u0131sam\u00fcdd\u0259tli risk d\u0259y\u0259rl\u0259ndirm\u0259sini is\u0259 “Not Prime (cr)” s\u0259viyy\u0259sind\u0259 t\u0259sdiq edilib. Hesabatda h\u0259m\u00e7inin qeyd olunur ki, “Kapital Bank”\u0131n g\u0259lirliyi eyni s\u0259viyy\u0259d\u0259 olan qlobal h\u0259mkarlar\u0131 il\u0259 b\u0259rab\u0259rdir v\u0259 \u00f6lk\u0259 daxili r\u0259qibl\u0259rind\u0259n daha y\u00fcks\u0259kdir.<\/p>\n <\/p>\n “\u00c7\u0259tin iqtisadi m\u00fchit\u0259 baxmayaraq, n\u00f6vb\u0259ti 12 ay \u0259rzind\u0259 “Kapital Bank” m\u0259nf\u0259\u0259tlik d\u0259r\u0259c\u0259sini qoruyub saxlayacaq. Bank kifay\u0259t q\u0259d\u0259r kapital ehtiyat\u0131na malikdir v\u0259 1 yanvar 2017-ci il tarixin\u0259 q\u0259d\u0259r bank\u0131n kapital yet\u0259rliyi v\u0259 likvidlik \u0259msallar\u0131 yax\u015f\u0131d\u0131r. Korporativ m\u00fc\u015ft\u0259ril\u0259r\u0259, h\u00f6kum\u0259t strukturlar\u0131na, b\u00fcdc\u0259d\u0259n v\u0259sait alanlara v\u0259 dig\u0259r \u00f6d\u0259m\u0259 qabiliyy\u0259ti olan m\u00fc\u015ft\u0259ril\u0259r\u0259 bank\u0131n kredit verm\u0259si, m\u00fcmk\u00fcn riskl\u0259ri qism\u0259n azald\u0131r. Dig\u0259r banklarla m\u00fcqayis\u0259d\u0259 “Kapital Bank”\u0131n xarici valyuta riskin\u0259 m\u0259ruz qalma s\u0259viyy\u0259si nisb\u0259t\u0259n m\u00fclayimdir”, – dey\u0259 hesabatda qeyd olunur.<\/p>\n <\/p>\n “Moody`s” hesabatda bir m\u0259qama x\u00fcsusi diqq\u0259t \u00e7\u0259kib ki, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131 (MBNP) bu il banklar\u0131n \u0259lav\u0259 kapitalla\u015fmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bil\u0259r. Haz\u0131rda “Kapital Bank”\u0131n m\u0259cmu kapital\u0131 271 mln. manata yax\u0131nd\u0131r v\u0259 bu da t\u0259nziml\u0259yicinin kapitala olan minimal t\u0259l\u0259bind\u0259n (50 mln. manat) t\u0259xmin\u0259n 5 d\u0259f\u0259 \u00e7oxdur. Nec\u0259 dey\u0259rl\u0259r, \u0259lav\u0259 \u015f\u0259rh\u0259 ehtiyac yoxdur, bu r\u0259q\u0259m \u00f6z\u00fc h\u0259r \u015feyi deyir.<\/p>\n <\/p>\n \u018fMAN\u018fT\u018f Z\u018fMAN\u018fT!<\/strong><\/p>\n <\/p>\n Cari ilin iyunun 14-d\u0259 “Moody`s” Az\u0259rbaycan\u0131n apar\u0131c\u0131 banklar\u0131ndan d\u00f6rd\u00fcn\u00fcn yerli v\u0259 xarici valyutada uzunm\u00fcdd\u0259tli depozit reytinqini a\u015fa\u011f\u0131 sal\u0131b. \u00dcst\u0259lik, reytinql\u0259r \u00fczr\u0259 proqnozlar da neqativ olub. Qeyd ed\u0259k ki, “Kapital Bank”\u0131n yerli v\u0259 xarici valyutada olan uzunm\u00fcdd\u0259tli depozit reytinqi “Ba3” s\u0259viyy\u0259sind\u0259 t\u0259sdiql\u0259n\u0259r\u0259k d\u0259yi\u015film\u0259z saxlan\u0131l\u0131b. S\u0259b\u0259bi sad\u0259dir. Yen\u0259 d\u0259 \u0259n g\u00f6z\u0259l fakt olan r\u0259q\u0259ml\u0259r\u0259 m\u00fcraci\u0259t ed\u0259k. \u00d6t\u0259n il bank\u0131n depozit portfeli 80% artaraq 2 mlrd. manata \u00e7at\u0131b! Art\u0131m bu il d\u0259 davam edib. Bel\u0259 ki, bu ilin ilk r\u00fcb\u00fcnd\u0259 bank\u0131n depozit portfeli 2,1 mlrd. manat\u0131, ikinci r\u00fcb\u00fcn sonuna 2,3 mlrd. manat h\u0259ddini a\u015f\u0131b.<\/p>\n <\/p>\n “Moody`s”in iyunun 8-d\u0259 d\u0259rc etdiyi ba\u015fqa bir hesabat\u0131nda qeyd edilib ki, Az\u0259rbaycan banklar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti depoziti saxlamaq problemi il\u0259 \u00fczl\u0259\u015fib. Yuxar\u0131da qeyd edil\u0259n r\u0259q\u0259ml\u0259rd\u0259n bir \u0259yani \u015f\u0259kild\u0259 g\u00f6st\u0259rir ki, “Kapital Bank” bu siyah\u0131da deyil.<\/p>\n <\/p>\n H\u018fR M\u018fNADA B\u0130R\u0130NC\u0130!<\/strong><\/p>\n <\/p>\n “Kapital Bank”\u0131n Az\u0259rbaycan\u0131n \u0259n qocaman, birinci bank oldu\u011funu bilm\u0259y\u0259n \u00e7ox az sayda adam tap\u0131lar. Bilm\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn d\u0259 qeyd edim ki, “Kapital Bank” Az\u0259rbaycan \u018fman\u0259t Bank\u0131n\u0131n varisi kimi 140 ild\u0259n \u00e7oxdur f\u0259aliyy\u0259t g\u00f6st\u0259rir. Birinci olmaq v\u0259 sonradan bu birinciliyi qorumaq asan deyil, lakin m\u00fcmk\u00fcnd\u00fcr. Yen\u0259 d\u0259 muratpa\u015fa escort<\/a> r\u0259q\u0259ml\u0259r\u0259 m\u00fcraci\u0259t etm\u0259k m\u0259cburiyy\u0259tind\u0259y\u0259m. \u018fn son m\u0259lumata \u0259sas\u0259n, Az\u0259rbaycanda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n 31 bank\u0131n c\u0259mi aktivl\u0259ri 30 mlrd. 101,1 mln. manatd\u0131r. “Kapital Bank”\u0131n aktivl\u0259ri is\u0259 3,2 mlrd. manata \u00e7at\u0131b. Ba\u015fqa s\u00f6zl\u0259, sektorun aktivl\u0259rinin t\u0259xmin\u0259n 11%-i “Kapital Bank”da c\u0259ml\u0259\u015fib. “APA<\/a>-Economics” t\u0259r\u0259find\u0259n elmada\u011f escort<\/a> t\u0259rtib olunan sonuncu renkinq\u0259 \u0259sas\u0259n, “Kapital Bank” aktivl\u0259rin bazar pay\u0131na g\u00f6r\u0259 \u00e7ox c\u00fczi f\u0259rql\u0259 ikinci yerd\u0259 q\u0259rarla\u015f\u0131b.<\/p>\n <\/p>\n 2017-ci ilin \u00f6t\u0259n ay\u0131nda h\u0259m\u00e7inin \u201cStandard & Poor’s\u201d Beyn\u0259lxalq Reytinq Agentliyi d\u0259 maliyy\u0259 sektorunun d\u0259y\u0259rl\u0259ndirilm\u0259sind\u0259 \u201cKapital Bank\u201d reytinqini \u201cBB-\/B\u201d s\u0259viyy\u0259sind\u0259 t\u0259sdiq ed\u0259r\u0259k, sabit saxlam\u0131\u015fd\u0131r. Bu da onu g\u00f6st\u0259rir ki, \u00f6lk\u0259nin maliyy\u0259 sektorunda g\u00fccl\u00fc v\u0259 etibarl\u0131 banklar m\u00f6vcuddur. avrupa yakas\u0131 escort<\/a> Bu banklar maliyy\u0259 sektorunun inki\u015faf\u0131na t\u0259kan verib, \u00fcmumi iqtisadi v\u0259ziyy\u0259t\u0259 m\u00fcsb\u0259t t\u0259sir ed\u0259c\u0259k.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" \u201cMoody’s Investor Service\u201d Beyn\u0259lxalq Reytinq Agentliyi bir ne\u00e7\u0259 g\u00fcn \u0259vv\u0259l \u00f6lk\u0259nin \u00fcmumi maliyy\u0259 sektorunun, o c\u00fcml\u0259d\u0259n bir s\u0131ra tan\u0131nm\u0131\u015f banklar\u0131n\u0131n d\u0259y\u0259rl\u0259ndirilm\u0259sini h\u0259yata ke\u00e7irib. N\u00f6vb\u0259ti qiym\u0259tl\u0259ndirilm\u0259nin yekunu olaraq, agentliyin hesabat\u0131n\u0131 \u0259trafl\u0131…<\/p>\n","protected":false},"author":2,"featured_media":461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25,5,1],"tags":[],"class_list":["post-459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm","category-iqtisadiyyat","category-xbr-xtti"],"_links":{"self":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/459","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=459"}],"version-history":[{"count":3,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/459\/revisions"}],"predecessor-version":[{"id":27548,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/459\/revisions\/27548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/media\/461"}],"wp:attachment":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}