{"id":167320,"date":"2015-03-20T10:38:13","date_gmt":"2015-03-20T10:38:13","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/devalvasiyanin-ilk-qurbani\/"},"modified":"2015-03-20T10:38:13","modified_gmt":"2015-03-20T10:38:13","slug":"devalvasiyanin-ilk-qurbani","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/devalvasiyanin-ilk-qurbani\/","title":{"rendered":"Devalvasiyan\u0131n ilk qurban\u0131"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21726\/\" alt=\"\" class=\"wp-image-21726\"\/><figcaption><\/figcaption><\/figure>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21732\/\" alt=\"\" class=\"wp-image-21732\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  <i><br \/>\n    Manat\u0131n devalvasiyas\u0131n\u0131n ilk qurban\u0131 Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri, 54 ya\u015fl\u0131 m\u00fcv\u0259ff\u0259qiyy\u0259tli bankir oldu.<br \/>\n  <\/i>\n<\/p>\n<p>\n  ABB M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n q\u0131sa m\u0259lumat\u0131nda deyilir ki, o, s\u0259hh\u0259ti il\u0259 \u0259laq\u0259dar v\u0259zif\u0259d\u0259n (2001-ci ild\u0259n etibar\u0259n tutdu\u011fu v\u0259zif\u0259d\u0259n \u2013 Turan) azad edilib.\n<\/p>\n<p>\n  \u00d6lk\u0259nin \u0259n b\u00f6y\u00fck bank\u0131n\u0131n r\u0259hb\u0259ri \u00f6hd\u0259likl\u0259rinin icras\u0131 m\u00fcv\u0259qq\u0259ti olaraq \u0130dar\u0259 Hey\u0259ti s\u0259drinin birinci m\u00fcavini Emil Mustafayevin \u00fcz\u0259rin\u0259 qoyulub.\n<\/p>\n<p>\n  \u201cBankda Az\u0259rbaycan d\u00f6vl\u0259tini t\u0259msil ed\u0259n Maliyy\u0259 Nazirliyi inand\u0131r\u0131b ki, bundan sonra da \u00f6lk\u0259nin \u0259n b\u00f6y\u00fck bank\u0131n\u0131n inki\u015faf\u0131na tam d\u0259st\u0259k g\u00f6st\u0259r\u0259c\u0259k\u201d, dey\u0259 ABB-nin sayt\u0131nda t\u0259kc\u0259 ABB-nin \u0259man\u0259t\u00e7il\u0259rini deyil, dig\u0259r \u0259man\u0259t\u00e7il\u0259ri d\u0259 sakitl\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn bildirilir.\n<\/p>\n<p>\n  &#8220;2008-2009-cu ill\u0259rin b\u00f6hran\u0131ndan sonra ABB s\u0259drind\u0259n naraz\u0131 idil\u0259r v\u0259 onun son t\u0259\u015f\u0259bb\u00fcsl\u0259ri Maliyy\u0259 Nazirliyi v\u0259 \u00f6lk\u0259 prezidenti t\u0259r\u0259find\u0259n d\u0259st\u0259kl\u0259nmirdi. Onun haz\u0131rk\u0131 gedi\u015fi qanunauy\u011fundur. Mustafayev\u0259 g\u0259linc\u0259, o, m\u00fcv\u0259qq\u0259ti fiqur hesab olunur&#8221;, dey\u0259 bank sistemi \u00fczr\u0259 ekspert bildirib.\n<\/p>\n<p>\n  ABB \u00f6lk\u0259nin \u0259n b\u00f6y\u00fck bank\u0131 v\u0259 n\u0259zar\u0259t s\u0259hm paketi d\u00f6vl\u0259t\u0259 m\u0259xsus olan yegan\u0259 bankd\u0131r.\n<\/p>\n<p>\n  2013-c\u00fc ilin yekunlar\u0131na g\u00f6r\u0259 ABB MDB-nin \u0259n b\u00f6y\u00fck banklar\u0131 siyah\u0131s\u0131nda 31-ci yeri tutub. Onun aktivl\u0259ri 24,5% artaraq, 9,8 milyard dollara \u00e7at\u0131b. ABB-d\u0259n ba\u015fqa, 4 dig\u0259r Az\u0259rbaycan bank\u0131 da siyah\u0131ya d\u00fc\u015f\u00fcb, onlar 137-194-c\u00fc yerl\u0259r aras\u0131nda q\u0259rar tutub.\n<\/p>\n<p>\n  Amma bank\u0131n tarixi g\u00f6st\u0259rir ki, o, maliyy\u0259 b\u00f6hranlar\u0131 s\u0131na\u011f\u0131ndan \u00e7\u0131xa bilmir, 2008-2009-cu ill\u0259rd\u0259 v\u0259 indi oldu\u011fu kimi.\n<\/p>\n<p>\n  2009-cu ilin oktyabr ay\u0131nda \u201cFitch Ratings\u201d beyn\u0259lxalq reytinq agentliyi Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131n\u0131n b\u00fct\u00fcn kreditl\u0259rinin t\u0259xmin\u0259n \u00fc\u00e7d\u0259 birini problemli kreditl\u0259r kateqoriyas\u0131na aid edib. Bu g\u00fcn m\u00fc\u015ft\u0259ril\u0259rin bank kreditl\u0259rinin \u00f6d\u0259ni\u015fi il\u0259 ba\u011fl\u0131 probleml\u0259ri ABB-nin kredit portfelind\u0259 27,8% \u201cpis borclar\u0131n\u201d yaranmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131b.\n<\/p>\n<p>\n  Agentliyin ekspertl\u0259ri bank\u0131n \u00f6z\u00fcn\u00fcn t\u0259qdim etdiyi g\u00f6st\u0259ricil\u0259rin t\u0259hlili zaman\u0131 bu n\u0259tic\u0259l\u0259r\u0259 g\u0259libl\u0259r. M\u00fct\u0259x\u0259ssisl\u0259r qeyd edirdil\u0259r ki, beyn\u0259lxalq standartlara g\u00f6r\u0259, bu g\u00f6st\u0259ricinin be\u015f faizlik qiym\u0259ti a\u015fmas\u0131 art\u0131q h\u0259y\u0259can t\u0259bili \u00e7almaq \u00fc\u00e7\u00fcn \u0259sas verir.\n<\/p>\n<p>\n  ABB n\u00fcmay\u0259nd\u0259si Rauf A\u011fayev Azadl\u0131q Radiosuna m\u00fcsahib\u0259sind\u0259 bank\u0131n bel\u0259 bir problemi oldu\u011funu t\u0259sdiq edib.\n<\/p>\n<p>\n  H\u0259m d\u0259 2008-2009-cu il maliyy\u0259 b\u00f6hran\u0131 zaman\u0131 t\u0259kc\u0259 Beyn\u0259lxalq Bank probleml\u0259rl\u0259 qar\u015f\u0131la\u015fmay\u0131b. \u201cFitch Ratings\u201din Moskva ofisinin maliyy\u0259 t\u0259\u015fkilatlar\u0131 \u00fczr\u0259 direktoru Vladimir Markelovun h\u0259min vaxt &#8220;Turan&#8221;a verdiyi m\u0259lumata g\u00f6r\u0259, 2009-cu ilin yanvar-iyun aylar\u0131 \u0259rzind\u0259 Az\u0259rbaycan\u0131n b\u00fct\u00fcn banklar\u0131n\u0131n aktivl\u0259rinin keyfiyy\u0259ti pisl\u0259\u015fib. Bu c\u0259h\u0259td\u0259n \u0259n pis v\u0259ziyy\u0259t Beyn\u0259lxalq Bankda m\u00fc\u015fahid\u0259 olunub.\n<\/p>\n<p>\n  ABB-nin problemli kreditl\u0259ri strukturunda 18,6 faiz vaxt\u0131 ke\u00e7mi\u015f v\u0259 9,2 faiz m\u00fc\u015ft\u0259rinin bankla kreditin \u00f6d\u0259ni\u015f \u015f\u0259rtl\u0259rinin d\u0259yi\u015fdirilm\u0259si haqq\u0131nda yenid\u0259n raz\u0131l\u0131\u011fa g\u0259ldiyi t\u0259krar formala\u015fd\u0131r\u0131lm\u0131\u015f kreditl\u0259rin pay\u0131na d\u00fc\u015f\u00fcr.\n<\/p>\n<p>\n  El\u0259 h\u0259min vaxt Beyn\u0259lxalq Bank\u0131n m\u0259tbuat xidm\u0259tinin r\u0259hb\u0259ri Rauf A\u011fayev Azadl\u0131q Radiosuna m\u00fcsahib\u0259sind\u0259 qeyd edib ki, bank\u0131n problemli kreditl\u0259rinin b\u00f6y\u00fck hiss\u0259si d\u00f6vl\u0259t layih\u0259l\u0259rin\u0259 ayr\u0131lan v\u0259saitl\u0259rin pay\u0131na d\u00fc\u015f\u00fcr: \u201c\u0130nki\u015faf\u0131 \u00fc\u00e7\u00fcn v\u0259sait ay\u0131rd\u0131\u011f\u0131m\u0131z m\u00fc\u0259ssis\u0259l\u0259r var, amma bu pullar h\u0259l\u0259 d\u0259 qaytar\u0131lmay\u0131b. B\u0259zi d\u00f6vl\u0259t layih\u0259l\u0259rinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn uzun m\u00fcdd\u0259t t\u0259l\u0259b olunur\u201d.\n<\/p>\n<p>\n  Eyni zamanda, A\u011fayev m\u0259hz hans\u0131 d\u00f6vl\u0259t layih\u0259l\u0259ri \u00fczr\u0259 kreditl\u0259rin qaytar\u0131lmad\u0131\u011f\u0131 haqq\u0131nda suala cavab verm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259kib.\n<\/p>\n<p>\n  H\u0259min vaxt \u00f6lk\u0259nin M\u0259rk\u0259zi Bank\u0131 s\u0259m\u0259r\u0259siz bank sistemini d\u0259st\u0259kl\u0259m\u0259k \u00fc\u00e7\u00fcn banklara 2 faizlik m\u0259rk\u0259zl\u0259\u015fmi\u015f kredit h\u0259cmini 10 d\u0259f\u0259 art\u0131r\u0131b.\n<\/p>\n<p>\n  \u0130qtisadi Ara\u015fd\u0131rmalar M\u0259rk\u0259zi QHT-nin s\u0259dri Qubad \u0130bado\u011flu hesab edir ki, ABB-d\u0259 v\u0259 dig\u0259r yerli banklarda bu problemin yaranmas\u0131 pis idar\u0259etm\u0259 il\u0259 ba\u011fl\u0131d\u0131r. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, maliyy\u0259 menecerl\u0259ri qlobal maliyy\u0259 b\u00f6hran\u0131n\u0131 n\u0259z\u0259r\u0259 almal\u0131 v\u0259 b\u00f6hran \u015f\u0259raitind\u0259 riskl\u0259ri idar\u0259 etm\u0259yi bacarmal\u0131d\u0131r.\n<\/p>\n<figure class=\"wp-block-image size-large\">\n  <img decoding=\"async\" src=\"https:\/\/www.meydan.tv\/az\/21726\/\" alt=\"\" class=\"wp-image-21726\"\/><figcaption><\/figcaption><\/figure>\n<p>\n  ABB s\u0259hml\u0259rinin yar\u0131s\u0131ndan \u00e7oxu (50,2%-i) d\u00f6vl\u0259t\u0259 m\u0259xsusdur. \u0130bado\u011flunun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, v\u0259ziyy\u0259t d\u0259rinl\u0259\u015fdiyi halda d\u00f6vl\u0259t bank\u0131 xilas etm\u0259k \u00fc\u00e7\u00fcn t\u0259dbir g\u00f6r\u0259c\u0259k. Ekspert hesab edir ki, banklar\u0131n probleml\u0259rinin kredit ayr\u0131lmas\u0131 yolu il\u0259 h\u0259lli yaln\u0131z m\u00fcv\u0259qq\u0259ti n\u0259tic\u0259 ver\u0259c\u0259k, daha \u0259sasl\u0131 t\u0259dbirl\u0259r\u0259 ehtiyac var.\n<\/p>\n<p>\n  \u201cBank bazar\u0131nda ayr\u0131-se\u00e7kilik v\u0259 giri\u015f mane\u0259si m\u00f6vcuddur v\u0259 bazar\u0131n azad olmas\u0131 v\u0259 r\u0259qab\u0259t say\u0259sind\u0259 inki\u015faf etm\u0259si \u00fc\u00e7\u00fcn bu mane\u0259l\u0259r aradan qald\u0131r\u0131lmal\u0131d\u0131r. T\u0259\u0259ss\u00fcf ki, h\u00f6kum\u0259t bu add\u0131m\u0131 atm\u0131r\u201d, dey\u0259 \u0130bado\u011flu Azadl\u0131q Radiosuna bildirib.\n<\/p>\n<p>\n  \u0130slahatlar\u0131n h\u0259yata ke\u00e7irilm\u0259si prosesinin l\u0259ngidilm\u0259si v\u0259 neft qiym\u0259tl\u0259rinin azalmas\u0131ndan ir\u0259li g\u0259l\u0259n haz\u0131rki maliyy\u0259 b\u00f6hran\u0131 zaman\u0131 da b\u0259nz\u0259r v\u0259ziyy\u0259t yaranma\u011fa ba\u015flay\u0131b.\n<\/p>\n<p>\n  \u0130lk t\u0259bil 1 iyul 2014-c\u00fc ild\u0259 \u00e7al\u0131n\u0131b, h\u0259min vaxt ABB sistemind\u0259 yaranan texniki probleml\u0259r bank\u0131n f\u0259aliyy\u0259tinin dayand\u0131r\u0131lmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131b. \u201cR\u00fcb\u00fcn sonu v\u0259 ezamiyy\u0259t m\u00f6vs\u00fcm\u00fcn\u00fcn ba\u015flanmas\u0131 il\u0259 \u0259laq\u0259dar \u0259m\u0259liyyatlar h\u0259ddind\u0259n art\u0131q \u00e7ox idi, buna g\u00f6r\u0259 texniki probleml\u0259r yarand\u0131\u201d, bankda v\u0259ziyy\u0259ti bel\u0259 izah etdil\u0259r.\n<\/p>\n<p>\n  \u018fsas\u0259n ABB-d\u0259 c\u0259ml\u0259\u015f\u0259n xarici investorlar, \u0259man\u0259t\u00e7il\u0259r \u00f6t\u0259n il art\u0131q neft qiym\u0259tl\u0259rinin azalma\u011fa ba\u015flamas\u0131 il\u0259 Az\u0259rbaycanda yax\u0131nla\u015fmaqda olan maliyy\u0259 b\u00f6hran\u0131n\u0131 hiss etm\u0259y\u0259 ba\u015flad\u0131lar. Bu yax\u0131nlarda M\u0259rk\u0259zi Bank\u0131n r\u0259hb\u0259ri Elman R\u00fcst\u0259mov etiraf edib ki, 2014-c\u00fc ilin ikinci yar\u0131s\u0131nda v\u0259 2015-ci ilin \u0259vv\u0259ll\u0259rind\u0259n etibar\u0259n n\u0259z\u0259r\u0259\u00e7arpacaq d\u0259r\u0259c\u0259d\u0259 xarici \u0259man\u0259t\u00e7il\u0259rin banklardan \u00f6z kapitital\u0131n\u0131 \u00e7\u0131xarmas\u0131 qeyd\u0259 al\u0131n\u0131b. Konkret r\u0259q\u0259ml\u0259r g\u00f6st\u0259rilm\u0259s\u0259 d\u0259, qeyri-r\u0259smi m\u0259lumatlara g\u00f6r\u0259 s\u00f6hb\u0259t y\u00fcz milyonlarla dollardan gedir.\n<\/p>\n<p>\n  El\u0259 bu yax\u0131nlarda, mart\u0131n 6-da ABB v\u0259ziyy\u0259tin sabitl\u0259\u015fm\u0259si \u00fc\u00e7\u00fcn fiziki \u015f\u0259xsl\u0259r t\u0259r\u0259find\u0259n manatla yerl\u0259\u015fdirilmi\u015f depozitl\u0259r \u00fczr\u0259 faiz qiym\u0259tl\u0259rini 2-3 faiz art\u0131r\u0131b.\n<\/p>\n<p>\n  Bu il mart\u0131n \u0259vv\u0259ll\u0259rind\u0259 &#8220;Fitch Ratings&#8221; bildirib ki, Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131na manat\u0131n devalvasiyas\u0131n\u0131n n\u0259tic\u0259l\u0259rini aradan qald\u0131rmaq v\u0259 kapitalla\u015fma g\u00f6st\u0259ricil\u0259rini b\u0259rpa etm\u0259k \u00fc\u00e7\u00fcn (ABB, \u201cBB\u201d \/ proqnoz \u201cSabit\u201d\/ \u201cb-\u201d), \u00e7ox g\u00fcman ki, \u0259lav\u0259 d\u0259st\u0259k laz\u0131m olacaq.\n<\/p>\n<p>\n  \u0130dar\u0259etm\u0259 hesabatlar\u0131 \u0259sas\u0131nda &#8220;Fitch&#8221; devalvasiyadan \u0259vv\u0259l ABB kreditl\u0259rinin 58 faizinin xarici valyuta il\u0259 verildiyini hesablay\u0131b. Bu, o dem\u0259kdir ki, fevral\u0131n 21-d\u0259 manat\u0131n kursunun AB\u015e dollar\u0131na nisb\u0259td\u0259 0,78 manatdan 1,05 manata q\u0259d\u0259r &#8211; 34 faiz ucuzla\u015fmas\u0131 manatla bank\u0131n kredit portfelinin d\u0259y\u0259rinin t\u0259xmin\u0259n 20 faiz artmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131b.\n<\/p>\n<p>\n  Risk n\u0259z\u0259r\u0259 al\u0131nmaqla hesablanm\u0131\u015f aktivl\u0259rin bu \u015f\u0259kild\u0259 artmas\u0131 h\u0259m\u00e7inin kapital\u0131n kafiliyini t\u0259nziml\u0259y\u0259n g\u00f6st\u0259ricinin minimal olan 12 faizd\u0259n a\u015fa\u011f\u0131 s\u0259viyy\u0259y\u0259 d\u00fc\u015f\u0259 bil\u0259c\u0259yi (2014-c\u00fc ilin sonlar\u0131nda 12,02 faizd\u0259n) dem\u0259k olard\u0131. Bu, kapital\u0131n fevral\u0131n 27-d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan al\u0131nm\u0131\u015f 250 mln. manatl\u0131q subordinasiya edilmi\u015f borc formas\u0131nda d\u0259st\u0259kl\u0259nm\u0259si il\u0259 qism\u0259n kompensasiya edilib. Bundan ba\u015fqa, ABB AMB-d\u0259n bir il m\u00fcdd\u0259tin\u0259 t\u0259nziml\u0259yici t\u0259l\u0259bl\u0259rd\u0259n yay\u0131nmaq \u00fc\u00e7\u00fcn icaz\u0259 al\u0131b ki, buna \u0259sas\u0259n kapital\u0131n kafiliyini t\u0259nziml\u0259y\u0259n g\u00f6st\u0259ricinin 10 faiz\u0259 q\u0259d\u0259r azald\u0131lmas\u0131na yol verilir.\n<\/p>\n<p>\n  ABB menecmenti Fitch-\u0259 bank\u0131n 100 mln. manatl\u0131q kapital\u0131n yeni emissiyas\u0131n\u0131n ke\u00e7irilm\u0259sini s\u00fcr\u0259tl\u0259ndir\u0259c\u0259yi haqq\u0131nda m\u0259lumat verib. Bunun 50 mln. manat\u0131n\u0131n martda Maliyy\u0259 Nazirliyi t\u0259r\u0259find\u0259n t\u0259qdim edil\u0259c\u0259yi g\u00f6zl\u0259nilir. Bu emissiya 2013-c\u00fc ild\u0259 q\u0259bul edilmi\u015f 500 mln. manat h\u0259cmind\u0259 bank\u0131n yenid\u0259n kapitalla\u015fmas\u0131 proqram\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 h\u0259yata ke\u00e7iril\u0259c\u0259k. H\u0259min proqram \u00fczr\u0259 2014-c\u00fc ilin sonlar\u0131na do\u011fru art\u0131q 200 mln. manat \u0259ld\u0259 edilib. Bundan ba\u015fqa, aprelin 2-d\u0259 s\u0259hmdarlar y\u0131\u011f\u0131nca\u011f\u0131 adi aksiyalar\u0131n \u0259lav\u0259 emissiyas\u0131n\u0131n m\u00fcmk\u00fcnl\u00fcy\u00fcn\u00fc m\u00fczakir\u0259 ed\u0259c\u0259k. Fitch ABB \u00fc\u00e7\u00fcn yeni kapital\u0131n verilm\u0259sind\u0259 h\u0259r-hans\u0131 gecikm\u0259l\u0259r olarsa, kapital\u0131n kafiliyi \u00fczr\u0259 t\u0259nziml\u0259yici t\u0259l\u0259bl\u0259rd\u0259n yay\u0131nma icaz\u0259sinin uzad\u0131laca\u011f\u0131n\u0131 hesab edir.\n<\/p>\n<p>\n  Fitch ABB-nin devalvasiyan\u0131n birba\u015fa n\u0259tic\u0259si kimi h\u0259r-hans\u0131 ciddi ziyanlar\u0131 olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnm\u00fcr, bel\u0259 ki, bank, \u00f6z idar\u0259etm\u0259 hesabatlar\u0131na \u0259sas\u0259n, q\u0131sa a\u00e7\u0131q valyuta m\u00f6vqeyini yanvar v\u0259 fevral aylar\u0131nda ba\u011flay\u0131b (2014-c\u00fc ilin sonlar\u0131na olan m\u0259lumata g\u00f6r\u0259 1,4 mlrd. dollar v\u0259 ya 1,3x kapital s\u0259viyy\u0259sind\u0259 idi). Eyni zamanda, m\u00f6vqe manat\u0131n kredit portfelinin t\u0259xmin\u0259n 17 faizinin manatdan dollara \u00e7evrilm\u0259si vasit\u0259sil\u0259 ba\u011flan\u0131b ki, bu da portfelin daha \u00e7ox dollarla\u015fmas\u0131na s\u0259b\u0259b olub. Devalvasiyadan sonra valyutal\u0131 kreditl\u0259r portfelin 65 faizini t\u0259\u015fkil edir ki, Fitch b\u0259zi borclular\u0131n xarici valyuta il\u0259 g\u0259liri ola bilm\u0259y\u0259c\u0259yini n\u0259z\u0259r\u0259 alaraq, bunu b\u00f6y\u00fck kredit riski m\u0259nb\u0259yi kimi qiym\u0259tl\u0259ndirir.\n<\/p>\n<p>\n  ABB-nin sistemd\u0259 b\u00f6y\u00fck \u0259h\u0259miyy\u0259tini, m\u00fclkiyy\u0259tind\u0259 d\u00f6vl\u0259tin majoritar pay\u0131n\u0131, d\u00f6vl\u0259tin nisb\u0259t\u0259n \u0259l\u00e7atan resurslar\u0131n\u0131n kifay\u0259t q\u0259d\u0259r az olmas\u0131n\u0131 v\u0259 ABB-nin defoltu zaman\u0131 hakimiyy\u0259tin n\u00fcfuzuna d\u0259y\u0259c\u0259k potensial ziyan\u0131 n\u0259z\u0259r\u0259 alaraq, ABB-nin emitentin uzunm\u00fcdd\u0259tli defolt reytinqi v\u0259 \u201cBB\u201d s\u0259viyy\u0259sind\u0259 prioritet borc reytinqi, z\u0259zur\u0259t olarsa, Az\u0259rbaycan hakimiyy\u0259tind\u0259n z\u0259if d\u0259st\u0259k ehtimal\u0131n\u0131 \u0259ks etdirir.\n<\/p>\n<p>\n  ABB n\u0259zar\u0259t s\u0259hm paketi onu \u00f6z\u0259ll\u0259\u015fdirm\u0259y\u0259 t\u0259l\u0259sm\u0259y\u0259n d\u00f6vl\u0259t\u0259 m\u0259xsus olan yegan\u0259 bank olaraq qalmaqdad\u0131r. Ayd\u0131n olmayan s\u0259b\u0259bl\u0259rd\u0259n h\u00f6kum\u0259t 2012-ci ild\u0259 BVF t\u0259r\u0259find\u0259n haz\u0131rlanm\u0131\u015f ABB-nin yenid\u0259n qurulmas\u0131, islahatlar apar\u0131lmas\u0131 v\u0259 \u00f6z\u0259ll\u0259\u015fdirilm\u0259si \u00fczr\u0259 yol x\u0259rit\u0259sini bir k\u0259nara qoyub. Onun h\u0259yata ke\u00e7irilm\u0259si, BVF-nin fikrinc\u0259, \u00f6z\u0259l banklar\u0131n inki\u015faf\u0131 \u00fc\u00e7\u00fcn imkanlar yaradacaq, habel\u0259 \u00f6lk\u0259nin bank sistemi qar\u015f\u0131s\u0131nda duran riskl\u0259ri m\u00fcxt\u0259lifl\u0259\u015fdir\u0259c\u0259k.\n<\/p>\n<p>\n  Az\u0259rbaycanda 46 bank f\u0259aliyy\u0259t g\u00f6st\u0259rir. V\u0259 ABB art\u0131q x\u00fcsusi bir m\u00f6vqe tutmur \u2013 Pasha Bank, Kapital Bank v\u0259 s. onu \u00f6t\u00fcb ke\u00e7ir. Haz\u0131rda Az\u0259rbaycan banklar\u0131n\u0131n aktivl\u0259rinin \u00dcDM-\u0259 nisb\u0259t g\u00f6st\u0259ricisi nisb\u0259t\u0259n a\u015fa\u011f\u0131 s\u0259viyy\u0259d\u0259 &#8211; t\u0259xmin\u0259n 30 faizdir.\n<\/p>\n<p>\n  Turan Analitika Xidm\u0259ti<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Manat\u0131n devalvasiyas\u0131n\u0131n ilk qurban\u0131 Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259tinin s\u0259dri, 54 ya\u015fl\u0131 m\u00fcv\u0259ff\u0259qiyy\u0259tli bankir oldu.<\/p>\n","protected":false},"author":11,"featured_media":21726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[56],"tags":[],"class_list":["post-167320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-xeberler","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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