\u00d6lk\u0259nin bank sektorunda problemli kredit portfeli s\u00fcr\u0259tl\u0259 art\u0131r. Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n 2026-c\u0131 ilin birinci yar\u0131s\u0131na dair m\u0259lumat\u0131na g\u00f6r\u0259, \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n banklar\u0131n vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rinin h\u0259cmi 719,3 milyon manat olub.<\/p>\n\n\n\n
\u00d6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi 36,4 faiz art\u0131b. Problemli kreditl\u0259rd\u0259 \u0259n b\u00f6y\u00fck art\u0131m cari ilin ilk alt\u0131 ay\u0131nda qeyd\u0259 al\u0131n\u0131b. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn qeyd ed\u0259k ki, \u00f6t\u0259n ilin ilk alt\u0131 ay\u0131nda problemli kreditl\u0259rin h\u0259cmi c\u0259mi 52,3 milyon manat v\u0259 ya 11 faiz artd\u0131\u011f\u0131 halda, cari ilin I yar\u0131s\u0131nda s\u00f6z\u00fcged\u0259n borclar\u0131n h\u0259cmi 161,8 milyon manat y\u00fcks\u0259lib. Bel\u0259likl\u0259, \u0259halinin banklara qaytar\u0131lmayan borclar\u0131 alt\u0131 ay \u0259rzind\u0259 29 faiz b\u00f6y\u00fcy\u00fcb. \u018fn k\u0259skin art\u0131m tempi is\u0259 bu ilin iyun ay\u0131nda qeyd\u0259 al\u0131n\u0131b. Bir ay \u0259rzind\u0259 problemli kreditl\u0259r 84 milyon manat art\u0131b.<\/p>\n\n\n\n
M\u0259rk\u0259zi Bank\u0131n iyulun 1-n\u0259 olan m\u0259lumat\u0131na g\u00f6r\u0259, \u00f6lk\u0259d\u0259 \u00fcmumi kredit portfelinin h\u0259cmi 33 milyard 881 milyon manat t\u0259\u015fkil edib. Bu g\u00f6st\u0259rici \u00f6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 12,1 faiz \u00e7oxdur.<\/p>\n\n\n\n
Bir il \u0259rzind\u0259 \u00fcmumi kredit portfeli 12,1 faiz b\u00f6y\u00fcd\u00fcy\u00fc halda, problemli kreditl\u0259rin 36,4 faiz artmas\u0131 riskli kreditl\u0259rin \u00fcmumi portfeld\u0259 x\u00fcsusi \u00e7\u0259kisinin y\u00fcks\u0259ldiyini \u0259ks etdirir. N\u0259tic\u0259d\u0259 problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 pay\u0131 2,1 faiz\u0259 \u00e7at\u0131b.<\/p>\n\n\n\n
Banklar t\u0259r\u0259find\u0259n veril\u0259n kreditl\u0259rin b\u00f6y\u00fck hiss\u0259si istehlak kreditl\u0259rinin pay\u0131na d\u00fc\u015f\u00fcr. Bel\u0259 ki, ilin ilk alt\u0131 ay\u0131n\u0131n n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, banklar ev t\u0259s\u0259rr\u00fcfatlar\u0131na 20 milyard 161,3 milyon manat kredit verib. Bu da \u00fcmumi kredit portfelinin 60,5 faizin\u0259 b\u0259rab\u0259rdir.<\/p>\n\n\n\n
Kreditl\u0259\u015fm\u0259d\u0259 n\u00f6vb\u0259ti yeri real sektor tutur. Bu sah\u0259d\u0259 \u0259n b\u00f6y\u00fck pay ticar\u0259t v\u0259 xidm\u0259t sektorunun pay\u0131na d\u00fc\u015f\u00fcr. \u0130yulun 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, h\u0259min sah\u0259y\u0259 ayr\u0131lan kreditl\u0259rin h\u0259cmi 4 milyard 600 milyon manat olub ki, bu da \u00fcmumi kredit portfelinin 13,6 faizini t\u0259\u015fkil edir.<\/p>\n\n\n\n
Banklar\u0131n s\u0259naye v\u0259 istehsal sektorunun maliyy\u0259l\u0259\u015fdirilm\u0259sind\u0259 pay\u0131 is\u0259 c\u0259mi 5 faizdir. Kommersiya banklar\u0131 bu sah\u0259y\u0259 1 milyard 693,6 milyon manat kapital y\u00f6n\u0259ldib.<\/p>\n\n\n\n
\u0130qtisad\u00e7\u0131lar bildirirl\u0259r ki, kredit g\u00f6t\u00fcr\u0259nl\u0259rin \u0259ks\u0259riyy\u0259tini d\u00f6vl\u0259t sektorunda sabit i\u015f yeri olan \u015f\u0259xsl\u0259r t\u0259\u015fkil edir. Onlar hesab edir ki, bir il \u0259rzind\u0259 i\u015f yerl\u0259rininin k\u00fctl\u0259vi \u015f\u0259kild\u0259 itirm\u0259si, habel\u0259 \u0259m\u0259khaqlar\u0131nda, g\u0259lirl\u0259rind\u0259 art\u0131m\u0131n olmamas\u0131, el\u0259c\u0259 d\u0259 \u0259rzaq v\u0259 xidm\u0259t sektorunda qiym\u0259tl\u0259rin bahala\u015fmas\u0131 \u0259halinin kredit \u00f6hd\u0259likl\u0259rini vaxt\u0131nda yerin\u0259 yetirm\u0259k imkanlar\u0131n\u0131 z\u0259ifl\u0259dib. N\u0259tic\u0259d\u0259 \u00fcmumi kredit portfelind\u0259 problemli kreditl\u0259rin h\u0259cmi s\u00fcr\u0259tl\u0259 y\u00fcks\u0259lir.<\/p>\n\n\n\n
Ekspertl\u0259r hesab edirl\u0259r ki, problemli kreditl\u0259rin \u00fcmumi kredit portfelind\u0259 pay\u0131n\u0131n 2,1 faiz olmas\u0131 beyn\u0259lxalq standartlarda n\u0259z\u0259rd\u0259 tutulan 5 faizlik kritik h\u0259ddi h\u0259l\u0259 ke\u00e7m\u0259yib. Bununla bel\u0259, problemli kreditl\u0259rin art\u0131m tempi art\u0131q narahatl\u0131q do\u011furma\u011fa ba\u015flay\u0131b. Onlar\u0131n proqnozuna g\u00f6r\u0259, bu dinamika davam ed\u0259rs\u0259, ilin sonunad\u0259k problemli kreditl\u0259rin h\u0259cmi 1 milyard manat\u0131 ke\u00e7\u0259 bil\u0259r.<\/p>\n\n\n\n
M\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 Meydan TV-y\u0259 a\u00e7\u0131qlama ver\u0259n iqtisad\u00e7\u0131 To\u011frul V\u0259liyev bildirir ki, problemli kreditl\u0259rin art\u0131m\u0131 il\u0259 paralel olaraq \u00fcmumi kredit portfeli d\u0259 geni\u015fl\u0259nir: <\/p>\n\n\n\n
\u201cProblemli kreditl\u0259ri \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259 etdikd\u0259, onlar\u0131n \u00fcmumi kredit portfelind\u0259ki pay\u0131n\u0131n 1,7 faizd\u0259n 2,1 faiz\u0259 y\u00fcks\u0259ldiyini g\u00f6r\u00fcr\u00fck. Y\u0259ni 0,4 faiz b\u0259ndi art\u0131m var. Bu da \u00fcmumi kreditl\u0259rin h\u0259cminin artmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. Bu ilin ilk 6 ay\u0131n\u0131n g\u00f6st\u0259ricil\u0259rin\u0259 \u0259sas\u0259n, \u00fcmumi kredit portfeli 34 milyard manata yax\u0131nla\u015f\u0131b. \u00d6t\u0259n ilin m\u00fcvafiq d\u00f6vr\u00fcnd\u0259 is\u0259 bu g\u00f6st\u0259rici t\u0259xmin\u0259n 30 milyard manat olub. M\u00fcqayis\u0259 olunan d\u00f6vrl\u0259r aras\u0131nda kreditl\u0259rin h\u0259cmi 4 milyard manat art\u0131b. \u018flb\u0259tt\u0259, kredit portfelinin h\u0259cmi artd\u0131qca problemli kreditl\u0259r d\u0259 art\u0131r\u201d.<\/em><\/p>\n\n\n\n \u0130qtisad\u00e7\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, vaxt\u0131 ke\u00e7mi\u015f borclar daha \u00e7ox bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n (BOKT) portfelind\u0259 m\u00fc\u015fahid\u0259 olunur: <\/p>\n\n\n\n \u201cHaz\u0131rk\u0131 statistikaya bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u0259lumatlar\u0131 da daxildir. Onlar\u0131n portfeli nisb\u0259t\u0259n ki\u00e7ikdir. \u00dcmumi 34 milyard manatl\u0131q kredit portfelinin 2 milyard manat\u0131 BOKT-lar\u0131n pay\u0131na d\u00fc\u015f\u00fcr. Amma burada q\u0131sam\u00fcdd\u0259tli kreditl\u0259r \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir. H\u0259tta bu istiqam\u0259td\u0259 milli valyutada veril\u0259n kreditl\u0259ri m\u00fcqayis\u0259 etdikd\u0259 g\u00f6r\u00fcr\u00fck ki, bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n kredit portfeli 600 milyon manat, kommersiya banklar\u0131n\u0131n is\u0259 4 milyard manat t\u0259\u015fkil edir. B\u00f6y\u00fck ehtimalla, problem d\u0259 daha \u00e7ox buradan qaynaqlan\u0131r. \u00c7\u00fcnki ke\u00e7\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259 ets\u0259k, burada vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin h\u0259cmi ciddi sur\u0259td\u0259 art\u0131b – 70 faiz\u0259 yax\u0131n. Uzunm\u00fcdd\u0259tli kreditl\u0259rd\u0259 bu g\u00f6st\u0259rici c\u0259mi 30 faiz t\u0259\u015fkil edir\u201d.<\/em><\/p>\n\n\n\n T. V\u0259liyev hesab edir ki, problemli kreditl\u0259rin art\u0131m\u0131 \u0259sas\u0259n q\u0131sam\u00fcdd\u0259tli kreditl\u0259rd\u0259 m\u00fc\u015fahid\u0259 olunur: <\/p>\n\n\n\n \u201cD\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu, daha \u00e7ox BOKT-larla ba\u011fl\u0131d\u0131r. Prinsipc\u0259, bu normal v\u0259ziyy\u0259tdir. BOKT-lar\u0131n hesabatlar\u0131na baxd\u0131qda g\u00f6r\u00fcr\u00fck ki, onlar\u0131n kredit portfelinin \u0259h\u0259miyy\u0259tli hiss\u0259si vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rd\u0259n ibar\u0259tdir. Bununla bel\u0259, bu probleml\u0259r onlar\u0131n f\u0259aliyy\u0259tin\u0259 ciddi t\u0259sir g\u00f6st\u0259rmir. BOKT-lar art\u0131q c\u0259miyy\u0259td\u0259, h\u0259yat\u0131m\u0131zda \u0259h\u0259miyy\u0259tli yer tutma\u011fa ba\u015flay\u0131blar. Onlar\u0131n \u00fcmumi kredit portfeli \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 20 faiz, kommersiya banklar\u0131nda is\u0259 10 faiz art\u0131b. Art\u0131m templ\u0259ri aras\u0131nda \u0259n az\u0131 iki d\u0259f\u0259 f\u0259rq var. Bel\u0259 bir \u015f\u0259raitd\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin art\u0131m\u0131 davam ed\u0259c\u0259k\u201d.<\/em><\/p>\n\n\n\n Lakin iqtisad\u00e7\u0131 hesab edir ki, problemli kreditl\u0259rin h\u0259cmi h\u0259l\u0259lik iqtisadiyyata ciddi t\u0259sir g\u00f6st\u0259r\u0259c\u0259k s\u0259viyy\u0259d\u0259 deyil: <\/p>\n\n\n\n