2026-c\u0131 ilin yanvar-fevral aylar\u0131nda Az\u0259rbaycan bank sektorunda kredit v\u0259 \u0259man\u0259t (depozit) portfell\u0259rinin maraql\u0131 dinamikas\u0131 m\u00fc\u015fahid\u0259 olunur. \u00dcmumi m\u0259nz\u0259r\u0259 g\u00f6st\u0259rir ki, kreditl\u0259rin h\u0259cmi artmaqda davam ets\u0259 d\u0259, art\u0131m tempi z\u0259ifl\u0259yib. \u018fman\u0259tl\u0259rd\u0259 is\u0259 \u0259ksin\u0259, art\u0131m tempi m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 y\u00fcks\u0259lib. Eyni zamanda \u00dcDM-d\u0259ki art\u0131m\u0131n z\u0259ifl\u0259m\u0259si kredit qoyulu\u015flar\u0131na ciddi t\u0259sir g\u00f6st\u0259rib, biznes\u0259 y\u00f6n\u0259l\u0259n kreditl\u0259r azal\u0131b.<\/p>\n\n\n\n
Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n yanvar-fevral aylar\u0131na dair a\u00e7\u0131qlad\u0131\u011f\u0131 b\u00fclletend\u0259 qeyd olunur ki, bu ilin ilk iki ay\u0131nda banklar kredit faizl\u0259rind\u0259n 714,8 milyon manat g\u0259lir \u0259ld\u0259 edibl\u0259r. Bu g\u00f6st\u0259rici 2025-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 20,5 faiz art\u0131b. Eyni zamanda, \u0259haliy\u0259 depozit faizl\u0259ri \u00fczr\u0259 235 milyon manat \u00f6d\u0259nilib ki, bu da \u00f6t\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 19 faiz \u00e7oxdur.<\/p>\n\n\n\n
Banklar\u0131n \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 kredit faizl\u0259ri \u00fczr\u0259 g\u0259lirl\u0259ri 121,4 milyon manat artd\u0131\u011f\u0131 halda, \u0259man\u0259tl\u0259r \u00fczr\u0259 \u00f6d\u0259dikl\u0259rin faiz x\u0259rcl\u0259ri c\u0259mi 37,4 milyon manat art\u0131b. N\u0259tic\u0259d\u0259 kredit v\u0259 depozit faizl\u0259ri \u00fczr\u0259 marja \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 geni\u015fl\u0259nib.<\/p>\n\n\n\n
Banklar\u0131n kreditl\u0259rd\u0259n \u0259ld\u0259 etdikl\u0259ri g\u0259lirl\u0259r \u0259man\u0259tl\u0259r \u00fczr\u0259 \u0259haliy\u0259 \u00f6d\u0259dikl\u0259ri m\u0259bl\u0259\u011fd\u0259n t\u0259xmin\u0259n 3 d\u0259f\u0259 \u00e7ox olub.<\/p>\n\n\n\n
Banklar\u0131n g\u0259lir v\u0259 x\u0259rcl\u0259rini n\u0259z\u0259r\u0259 ald\u0131qda, maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n xalis m\u0259nf\u0259\u0259ti 189,7 milyon manat t\u0259\u015fkil edib. Bank sektorunun \u00fcmumi faiz g\u0259lirl\u0259ri 2026-c\u0131 ilin fevral ay\u0131n\u0131n sonunda 886,7 milyon manata \u00e7at\u0131b ki, bu da 2025-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 17,8 faiz art\u0131m dem\u0259kdir. Bu art\u0131m\u0131n \u0259sas drayveri kreditl\u0259r \u00fczr\u0259 faiz g\u0259lirl\u0259ridir. Dig\u0259r g\u0259lirl\u0259r is\u0259 qiym\u0259tli ka\u011f\u0131zlara v\u0259 dig\u0259r maliyy\u0259 al\u0259tl\u0259rin\u0259 yat\u0131r\u0131mlardan formala\u015f\u0131b. Lakin statistik t\u0259hlil g\u00f6st\u0259rir ki, yerli maliyy\u0259 t\u0259\u015fkilatlar\u0131n\u0131n dig\u0259r m\u0259nb\u0259l\u0259r hesab\u0131na g\u0259lirl\u0259rinin diversifikasiyas\u0131 olduqca z\u0259ifdir.<\/p>\n\n\n\n
X\u0259rcl\u0259r\u0259 g\u0259ldikd\u0259 is\u0259, yanvar-fevral aylar\u0131nda bank sektorunun x\u0259rcl\u0259ri 328 milyon manat olub ki, bu da \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 24,8 faiz art\u0131m dem\u0259kdir. Banklar\u0131n x\u0259rc strukturunda \u0259sas pay\u0131 \u0259man\u0259tl\u0259r \u00fczr\u0259 faiz \u00f6d\u0259ni\u015fl\u0259ri, \u0259m\u0259khaqq\u0131, inzibati x\u0259rcl\u0259r v\u0259 xidm\u0259t haqlar\u0131 t\u0259\u015fkil edir.<\/p>\n\n\n\n
Bel\u0259likl\u0259, b\u00fct\u00fcn x\u0259rcl\u0259r v\u0259 vergil\u0259r \u00f6d\u0259nildikd\u0259n sonra banklar\u0131n xalis m\u0259nf\u0259\u0259ti \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 10,3 milyon manat v\u0259 ya 5,7 faiz artaraq 189,7 milyon manat t\u0259\u015fkil edib.<\/p>\n\n\n\n
\u0130qtisad\u00e7\u0131lara g\u00f6r\u0259, banklar\u0131n bu m\u0259nf\u0259\u0259ti \u0259sas\u0259n kredit imkanlar\u0131n\u0131n geni\u015fl\u0259nm\u0259si v\u0259 ya dig\u0259r maliyy\u0259 al\u0259tl\u0259rind\u0259n \u0259ld\u0259 olunan g\u0259lirl\u0259r hesab\u0131na deyil, daha \u00e7ox ucuz resurslar\u0131n c\u0259lb edil\u0259r\u0259k bahal\u0131 kreditl\u0259rin t\u0259klif olunmas\u0131 hesab\u0131na formala\u015f\u0131b. Bel\u0259 ki, M\u0259rk\u0259zi Bank\u0131n m\u0259lumatlar\u0131ndan g\u00f6r\u00fcn\u00fcr ki, kredit v\u0259 depozit faiz d\u0259r\u0259c\u0259l\u0259ri aras\u0131ndak\u0131 marjan\u0131n y\u00fcks\u0259k olmas\u0131 banklar\u0131n qazanc\u0131n\u0131 art\u0131r\u0131r. H\u0259tta faiz d\u0259r\u0259c\u0259l\u0259ri aras\u0131nda f\u0259rq 12 faiz\u0259 q\u0259d\u0259r \u00e7at\u0131r ki, bu da beyn\u0259lxalq t\u0259cr\u00fcb\u0259d\u0259 bahal\u0131 kredit hesab olunur.<\/p>\n\n\n\n
M\u0259rk\u0259zi Bank bildirir ki, manatla veril\u0259n kreditl\u0259rin orta faiz d\u0259r\u0259c\u0259si ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 18,6 faizd\u0259n 19,5 faiz\u0259 y\u00fcks\u0259lib. \u0130stehlak kreditl\u0259rind\u0259 is\u0259 bu g\u00f6st\u0259rici 20 faizi ke\u00e7ib. Xarici valyutada veril\u0259n kreditl\u0259r \u00fczr\u0259 art\u0131m daha c\u00fczidir. Bel\u0259 ki, yanvar\u0131n \u0259vv\u0259lind\u0259 6,4 faiz olan d\u0259r\u0259c\u0259 fevral\u0131n sonunda 6,9 faiz\u0259 \u00e7at\u0131b.<\/p>\n\n\n\n
\u00dcmumiyy\u0259tl\u0259, 2016-c\u0131 il devalvasiyas\u0131ndan sonra xarici valyutada veril\u0259n kreditl\u0259rin geri qaytar\u0131lmas\u0131nda yaranan probleml\u0259r h\u0259m \u0259halini, h\u0259m d\u0259 banklar\u0131 daha ehtiyatl\u0131 davranma\u011fa vadar edir. Bu s\u0259b\u0259bd\u0259n manatla veril\u0259n kreditl\u0259rd\u0259 bahala\u015fma daha qabar\u0131q m\u00fc\u015fahid\u0259 olunur.<\/p>\n\n\n\n
Kredit faizl\u0259rinin artmas\u0131n\u0131n s\u0259b\u0259bl\u0259rind\u0259n biri d\u0259 son aylarda manatla c\u0259lb olunan depozitl\u0259r \u00fczr\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin y\u00fcks\u0259lm\u0259sidir. AMB statistik m\u0259lumat\u0131na g\u00f6r\u0259, ilin \u0259vv\u0259lind\u0259 banklar \u0259man\u0259tl\u0259r \u00fczr\u0259 6,8 faiz t\u0259klif etdikl\u0259ri halda, mart\u0131n 1-n\u0259 bu g\u00f6st\u0259rici 8,2 faiz\u0259 y\u00fcks\u0259lib. Xarici valyutada \u0259man\u0259tl\u0259r \u00fczr\u0259 faizl\u0259r is\u0259 dem\u0259k olar ki, sabit qal\u0131b.<\/p>\n\n\n\n
Bel\u0259likl\u0259, banklar bazardan manat resurslar\u0131n\u0131 toplamaq \u00fc\u00e7\u00fcn daha \u00e7ox \u0259man\u0259tl\u0259r c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn faiz d\u0259r\u0259c\u0259l\u0259rini art\u0131r\u0131rlar. Bu da kredit faizl\u0259rinin y\u00fcks\u0259lm\u0259sin\u0259 s\u0259b\u0259b olur. Yuxar\u0131da da qeyd etdiyimiz kimi, banklar\u0131n dig\u0259r maliyy\u0259 al\u0259tl\u0259rind\u0259n g\u0259lirliliyinin z\u0259if olmas\u0131, v\u0259t\u0259nda\u015flardan 6-8 faizl\u0259 c\u0259lb olunan v\u0259saitl\u0259ri 18 -20 faizl\u0259, h\u0259tta daha y\u00fcks\u0259k faizl\u0259 satmaqla x\u0259rcl\u0259rini qar\u015f\u0131lama\u011fa \u00e7al\u0131\u015f\u0131r.<\/p>\n\n\n\n
Bununla yana\u015f\u0131, 2026-c\u0131 ild\u0259 kredit qoyulu\u015flar\u0131n\u0131n art\u0131m tempind\u0259 m\u00fc\u0259yy\u0259n azalma m\u00fc\u015fahid\u0259 olunur. Bel\u0259 ki, 2026-c\u0131 ilin 1 mart tarixin\u0259 kommersiya banklar\u0131n\u0131n kredit portfeli 30,1 milyard manat t\u0259\u015fkil edib. \u018flb\u0259tt\u0259, bu m\u0259bl\u0259\u011fin b\u00f6y\u00fck hiss\u0259si \u0259vv\u0259lki ill\u0259rd\u0259 veril\u0259n kreditl\u0259r t\u0259\u015fkil edir. \u0130lin \u0259vv\u0259lind\u0259n 2 ay \u0259rzind\u0259 banklar t\u0259r\u0259find\u0259n iqtisadiyyata y\u00f6n\u0259l\u0259n kapital c\u0259mi 56 milyon manat olub. B\u00f6y\u00fcm\u0259 c\u0259mi 0,2 faizdir. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn, 2025-ci ilin eyni d\u00f6vr\u00fcnd\u0259 art\u0131m 115 milyon manat (0,4 faiz) olmu\u015fdu. Bu is\u0259 bazara y\u00f6n\u0259l\u0259n kreditl\u0259rin art\u0131m tempinin t\u0259xmin\u0259n iki d\u0259f\u0259 z\u0259ifl\u0259diyini g\u00f6st\u0259rir.<\/p>\n\n\n\n
\u0130qtisad\u00e7\u0131lar bu tendensiyan\u0131 iqtisadi inki\u015faf\u0131n z\u0259ifl\u0259m\u0259si il\u0259 izah edirl\u0259r. Bel\u0259 ki, iqtisadiyyatda b\u00f6y\u00fcm\u0259nin a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259si yeni kapitala olan t\u0259l\u0259bat\u0131 azald\u0131b. X\u00fcsusil\u0259, biznes v\u0259 ipoteka kreditl\u0259rind\u0259 azalma m\u00fc\u015fahid\u0259 olunur. Haz\u0131rda biznes kreditl\u0259ri 16 milyard manat, istehlak kreditl\u0259ri is\u0259 9,4 milyard manat t\u0259\u015fkil edir. \u0130lin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 biznes kreditl\u0259ri 48,3 milyon manat v\u0259 ya 0,3 faiz azald\u0131\u011f\u0131 halda, istehlak kreditl\u0259ri 113,3 milyon manat (1,21 faiz) art\u0131b. \u0130poteka kreditl\u0259ri d\u0259 eynil\u0259, azalma\u011fa do\u011fru gedir.<\/p>\n\n\n\n
\u0130qtisad\u00e7\u0131lar\u0131n fikrinc\u0259, yanvar-fevral aylar\u0131nda kredit qoyulu\u015flar\u0131n\u0131n art\u0131m tempinin z\u0259ifl\u0259m\u0259si, x\u00fcsusil\u0259 biznes kreditl\u0259rinin azalmas\u0131 bir ne\u00e7\u0259 amill\u0259 ba\u011fl\u0131d\u0131r. \u018fsas s\u0259b\u0259bl\u0259rd\u0259n biri real sektorda investisiya f\u0259all\u0131\u011f\u0131n\u0131n a\u015fa\u011f\u0131 d\u00fc\u015fm\u0259sidir. Dig\u0259r t\u0259r\u0259fd\u0259n, iqtisadiyyat\u0131n \u0259sas lokomotivi olan d\u00f6vl\u0259t sat\u0131nalmalar\u0131 \u00fczr\u0259 m\u00fcqavil\u0259l\u0259rin ilin \u0259vv\u0259lind\u0259 az olmas\u0131, ilin ortalar\u0131na do\u011fru is\u0259 artmas\u0131d\u0131r. Bu d\u00f6vrd\u0259 \u015firk\u0259tl\u0259r daha \u00e7ox layih\u0259l\u0259r\u0259 qo\u015fulur v\u0259 m\u00fcxt\u0259lif xidm\u0259tl\u0259ri yerin\u0259 yetirm\u0259k \u00fc\u00e7\u00fcn kreditl\u0259rd\u0259n istifad\u0259 edirl\u0259r.<\/p>\n\n\n\n
Bununla yana\u015f\u0131, iqtisad\u00e7\u0131lar istehlak kreditl\u0259rinin s\u00fcr\u0259tli art\u0131m\u0131n\u0131n \u0259halinin borclanma s\u0259viyy\u0259sini y\u00fcks\u0259ld\u0259 bil\u0259c\u0259yini qeyd edirl\u0259r. Bu is\u0259 g\u0259lirl\u0259rin b\u00f6y\u00fck hiss\u0259sinin borc \u00f6d\u0259ni\u015fl\u0259rin\u0259 y\u00f6n\u0259lm\u0259si v\u0259 banklar\u0131n problemli kreditl\u0259rin artmas\u0131 kimi riskl\u0259r yarad\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
2026-c\u0131 ilin yanvar-fevral aylar\u0131nda Az\u0259rbaycan bank sektorunda kredit v\u0259 \u0259man\u0259t … <\/p>\n