{"id":180213,"date":"2016-11-07T12:09:55","date_gmt":"2016-11-07T12:09:55","guid":{"rendered":"https:\/\/www.meydan.tv\/article\/banklarin-veziyyeti-necedir\/"},"modified":"2016-11-07T12:09:55","modified_gmt":"2016-11-07T12:09:55","slug":"banklarin-veziyyeti-necedir","status":"publish","type":"post","link":"https:\/\/www.meydan.tv\/az\/article\/banklarin-veziyyeti-necedir\/","title":{"rendered":"Banklar\u0131n v\u0259ziyy\u0259ti nec\u0259dir?"},"content":{"rendered":"
\n \"foto
\n foto sosial \u015f\u0259b\u0259k\u0259
\n <\/figcaption><\/figure>\n

\n
\n 2016-c\u0131 ilin III r\u00fcb\u00fc \u00fczr\u0259 hesabatlar\u0131n t\u0259hlili \u0259sas\u0131nda banklar\u0131n t\u0259snifat\u0131
\n <\/i>\n<\/p>\n

\n
\n III r\u00fcb\u00fcn bitm\u0259sind\u0259n 1 aydan \u00e7ox \u00f6t\u00fcr. Qanunvericiliy\u0259 \u0259sas\u0259n banklar saytlar\u0131nda r\u00fcb\u00fcn maliyy\u0259 n\u0259tic\u0259l\u0259rini \u0259ks etdir\u0259n hesabatlar\u0131n\u0131 d\u0259rc etm\u0259li idi. Lakin 32 bankdan yaln\u0131z 10-u a\u00e7\u0131qlay\u0131b hesabat\u0131 (a\u00e7\u0131qlayanlar da qanunvericiliy\u0259 zidd olaraq a\u00e7\u0131qlama tarixini g\u00f6st\u0259rm\u0259yibl\u0259r). Xat\u0131rlad\u0131ram ki, bu il ba\u011flanan banklar da hesabatlar\u0131n\u0131 daim gizl\u0259dirdil\u0259r. Odur ki, hesabat\u0131 gizl\u0259d\u0259n banka q\u0259tiyy\u0259n etibar etm\u0259k, orada pul saxlamaq olmaz. D\u00fczd\u00fcr, hesabat\u0131 a\u00e7\u0131qlayan banka da etimad \u015f\u0259rtidir, \u00e7\u00fcnki Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Palatas\u0131n\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, b\u0259zi banklar hesabatlar\u0131 t\u0259hrif edilmi\u015f \u015f\u0259kild\u0259 t\u0259qdim edib.\n<\/p>\n

\n Buna g\u00f6r\u0259 d\u0259 banklar\u0131n reklam\u0131na inanmay\u0131n. Ay n\u0259 bilim, kapital\u0131 art\u0131rd\u0131q, bunu etdik, ona nail olduq v\u0259 s. \u018fg\u0259r bank hesabat\u0131n\u0131 gizl\u0259dirs\u0259, ham\u0131s\u0131 bo\u015f \u015feydir. T\u0259\u0259ss\u00fcf ki, Maliyy\u0259 Bazarlar\u0131na N\u0259zar\u0259t Paltas\u0131 da indiy\u0259d\u0259k banklar\u0131n hesabatlar\u0131n\u0131n a\u00e7\u0131qlanmas\u0131na nail ola bilm\u0259yib. Bel\u0259 adi bir \u015feyin \u00f6hd\u0259sind\u0259n g\u0259l\u0259 bilm\u0259y\u0259n Palata dig\u0259r probleml\u0259ri nec\u0259 h\u0259ll ed\u0259c\u0259k?!\n<\/p>\n

\n Yax\u015f\u0131 x\u0259b\u0259r yaln\u0131z odur ki, bu r\u00fcbd\u0259 \u00f6lk\u0259mizin \u0259n \u015f\u0259ffaf bank\u0131 m\u0259lum olub: Bu, Bank Avrasiyad\u0131r. Dig\u0259rl\u0259rind\u0259n f\u0259rqli olaraq, hesabatlar\u0131 qanunvericiliyin t\u0259l\u0259bin\u0259 uy\u011fun olaraq r\u00fcbd\u0259 deyil, ayda bir d\u0259f\u0259 a\u00e7\u0131qlama\u011fa ba\u015flay\u0131b.\n<\/p>\n

\n
\n T\u0259qdir\u0259layiqdir!
\n <\/i>\n<\/p>\n

\n T\u0259snifat 4 qrupdan ibar\u0259tdir: 1) hesabat\u0131 m\u00fcnt\u0259z\u0259m gizl\u0259d\u0259nl\u0259r; 2) hesabat\u0131 ilk d\u0259f\u0259 a\u00e7\u0131qlamayanlar; 3) hesabat\u0131 uzun fasil\u0259d\u0259n sonra a\u00e7\u0131qlayanlar; 4) hesabat\u0131 d\u0259rc ed\u0259nl\u0259r.\n<\/p>\n

\n I qrup \u2013 hesabatlar\u0131n\u0131 m\u00fcnt\u0259z\u0259m gizl\u0259d\u0259n v\u0259 bununla da qanunvericiliyi kobud \u015f\u0259kild\u0259 pozan 21 bank:
\n
\n Accessbank, AGBank, Amrahbank, AtaBank, Bank VTB, Bank Respublika, Bank BTB, D\u0259mirbank, Expressbank, G\u00fcnaybank, KapitalBank, Mu\u011fanbank, Nikoyl Bank, NBC Bank, Nax\u00e7\u0131vanbank, Pa\u015faBank, Pakistan Milli Bank\u0131n\u0131n Bak\u0131 filial\u0131, Rabit\u0259bank v\u0259 XalqBank.\n<\/p>\n

\n Bunlar \u0259n etibars\u0131z banklard\u0131r. Bu qrupa h\u0259m\u00e7inin Az\u0259rbaycan Beyn\u0259lxalq Bank\u0131 v\u0259 Az\u0259rT\u00fcrkbank da aiddir.\n<\/p>\n

\n Sad\u0259c\u0259, bu iki bank d\u00f6vl\u0259t bank\u0131 oldu\u011fu v\u0259 d\u00f6vl\u0259t v\u0259t\u0259nda\u015flar\u0131n oradak\u0131 v\u0259saitin\u0259 t\u0259minat\u00e7\u0131 oldu\u011fu \u00fc\u00e7\u00fcn qanun pozuntusu olan hesabat\u0131n a\u00e7\u0131qlanmamas\u0131 onlar\u0131n etibars\u0131zl\u0131\u011f\u0131na d\u0259lal\u0259t etmir.\n<\/p>\n

\n II qrup \u2013 r\u00fcbl\u00fck hesabat\u0131n\u0131 ilk d\u0259f\u0259 a\u00e7\u0131qlamam\u0131\u015f banklard\u0131r. Turanbank kimi. \u00d6t\u0259n r\u00fcb\u00fcn hesabat\u0131na g\u00f6r\u0259, bu bank\u0131n 0,8 mln. manata yax\u0131n z\u0259r\u0259ri var idi. Y\u0259qin, v\u0259ziyy\u0259t daha da pisl\u0259\u015fib ki, bu bank hesabat\u0131n\u0131 gizl\u0259tm\u0259k q\u0259rar\u0131na g\u0259lib.\n<\/p>\n

\n III qrup \u2013 uzun fasil\u0259d\u0259n sonra hesabat\u0131 a\u00e7\u0131qlayan banklard\u0131r.\n<\/p>\n

\n 1. Bank of Baku: \u00f6t\u0259n ilin IV r\u00fcb\u00fcnd\u0259n ba\u015flayaraq hesabatlar\u0131 d\u0259rc etmir. S\u0259b\u0259bi indi b\u0259lli olub. Bel\u0259 ki, \u00f6t\u0259n ilin III r\u00fcb\u00fcn\u00fc 44 mln. manatdan \u00e7ox xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurmu\u015f Bank of Baku son r\u00fcb\u00fc 14 mln. manata yax\u0131n z\u0259r\u0259rl\u0259 tamamlay\u0131b. Bel\u0259 ki, bu bank\u0131n b\u0259yan etdiyi real kapital\u0131 haz\u0131rda 50,552 mln, qeyd\u0259 ald\u0131rd\u0131\u011f\u0131 nizamnam\u0259 kapital\u0131 is\u0259 52,870 mln. manatd\u0131r. Bel\u0259likl\u0259, bank qanunu pozaraq nizamnam\u0259 kapital\u0131n\u0131n azald\u0131lmas\u0131 t\u0259l\u0259bin\u0259 riay\u0259t etmir v\u0259 1 il \u0259rzind\u0259 46 mln. manatdan \u00e7ox pul itirib.\n<\/p>\n

\n 2. Unibank: \u00f6t\u0259n ilin II v\u0259 III r\u00fcbl\u0259ri \u00fczr\u0259 hesabatlar\u0131 tam d\u0259rc etm\u0259m\u0259y\u0259 (el\u0259 indi d\u0259 Bank of Bakudan f\u0259rqli olaraq hesabat\u0131 tam a\u00e7\u0131qlamay\u0131b), IV r\u00fcb\u00fcnd\u0259n ba\u015flayaraq is\u0259 \u00fcmumiyy\u0259tl\u0259 d\u0259rc etm\u0259m\u0259y\u0259 ba\u015flay\u0131b. S\u0259b\u0259bi indi b\u0259lli olub. Bu bank a\u011f\u0131r itkil\u0259r\u0259 m\u0259ruz qal\u0131b. Bel\u0259 ki, 2014-c\u00fc ili 55 mln. manatdan \u00e7ox xalis m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vuran Unibank son r\u00fcb\u00fc t\u0259xmini 1,5 mln. manat z\u0259r\u0259rl\u0259 ba\u015fa vurub (y\u0259ni hesabatlar\u0131 gizl\u0259tdiyi d\u00f6vr \u0259rzind\u0259 56,6 mln. manat pul itirib!). Bel\u0259 ki, bu bank\u0131n b\u0259yan etdiyi real kapital\u0131 69,113 mln, qeyd\u0259 ald\u0131rd\u0131\u011f\u0131 nizamnam\u0259 kapital\u0131 is\u0259 70,565 mln. manatd\u0131r. Bel\u0259likl\u0259, bu bank da qanunu pozaraq nizamnam\u0259 kapital\u0131n\u0131n azald\u0131lmas\u0131 t\u0259l\u0259bin\u0259 riay\u0259t etmir. Bu bank\u0131n yol verdiyi dig\u0259r qanun pozuntular\u0131 bar\u0259d\u0259 d\u0259 d\u0259f\u0259l\u0259rl\u0259 m\u0259lumat vermi\u015f\u0259m. M\u0259s\u0259l\u0259n, onun M\u00fc\u015fahis \u015euras\u0131n\u0131n t\u0259rkibind\u0259 2 qarda\u015f var, halbuki qanun bunu yasaq edir v\u0259 s. v\u0259 i.a.\n<\/p>\n

\n IV qrup \u2013 hesabatlar\u0131n\u0131 d\u0259rc ed\u0259n 8 bank:\n<\/p>\n

\n
\n
\n 1. Az\u0259rbaycan S\u0259naye Bank\u0131 \u2013 19 mln-dan \u00e7ox xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 17 mln-dan \u00e7ox idi).
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 2. Caspian Development Bank \u2013 19 mln-dan \u00e7ox xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 14 mln-dan \u00e7ox idi).
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 3. YapiKrediBank \u2013 14 mln-dan \u00e7ox xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 13 mln-dan \u00e7ox idi), amma s\u0131rf cari ild\u0259 5 mln-dan \u00e7ox z\u0259r\u0259r\u0259 m\u0259ruz qal\u0131b.
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 4. AFB Bank \u2013 t\u0259xmini 13 mln. xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 8 mln-dan \u00e7ox idi).
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 5. Ziraat Bank \u2013 t\u0259xmini 9 mln. xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 t\u0259xmini 7 mln. idi).
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 6. Bank Silk Way \u2013 7 mln-dan \u00e7ox xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 1 mln-dan \u00e7ox idi).
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 7. Bank Avrasiya: 6 mln-dan \u00e7ox xalis m\u0259nf\u0259\u0259ti var (\u00f6t\u0259n r\u00fcbd\u0259 4 mln-dan \u00e7ox idi). Yuxar\u0131da qeyd edildiyi kimi, bu bank dig\u0259rl\u0259rind\u0259n f\u0259rqli olaraq hesabatlar\u0131 r\u00fcbl\u00fck deyil, ayl\u0131q a\u00e7\u0131qlama\u011fa ba\u015flay\u0131b.
\n <\/i>
\n <\/b>
\n \n<\/p>\n

\n
\n
\n 8. Bank Melli \u0130ran Bak\u0131 filial\u0131 \u2013 15 mln-dan \u00e7ox z\u0259r\u0259ri var (\u00f6t\u0259n r\u00fcbd\u0259 0,5 mln. manat z\u0259r\u0259ri var idi), m\u0259cmu kapital\u0131 bar\u0259d\u0259 m\u0259lumat\u0131 a\u00e7\u0131qlamay\u0131b (g\u00f6r\u00fcn\u0259n odur ki, m\u0259cmu kapital t\u0259l\u0259bini \u2013 50 mln. manat \u2013 d\u0259 pozur).
\n <\/i>
\n <\/b>\n<\/p>\n

\n Sonda bir daha vur\u011fulamaq ist\u0259yir\u0259m ki, savads\u0131zl\u0131q, qeyri-pe\u015f\u0259karl\u0131q v\u0259 korrupsiya bank sistemimizin atributudur. Maliyy\u0259 g\u00f6st\u0259ricil\u0259rind\u0259n bel\u0259 as\u0131l\u0131 olmayaraq. \u00d6z\u00fcn\u00fczd\u0259n v\u0259 pulunuzdan mu\u011fayat olun!<\/p>\n","protected":false},"excerpt":{"rendered":"

2016-c\u0131 ilin III r\u00fcb\u00fc \u00fczr\u0259 hesabatlar\u0131n t\u0259hlili \u0259sas\u0131nda banklar\u0131n t\u0259snifat\u0131<\/p>\n","protected":false},"author":11,"featured_media":72469,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[51],"tags":[],"class_list":["post-180213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analitika","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"acf":[],"yoast_head":"\nBanklar\u0131n v\u0259ziyy\u0259ti nec\u0259dir? - MEYDAN.TV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.meydan.tv\/az\/article\/banklarin-veziyyeti-necedir\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banklar\u0131n v\u0259ziyy\u0259ti nec\u0259dir? 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