İllİk hesabat annual RepoRt
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- Bu səhifədəki naviqasiya:
- İnformAsİyA tExnoLoGİyALAri
- İstifadə olunduğu əraziyə görə
31 Annual Report 2008 loans The strategy of enhancing the loan portfolio launched in previous years was on an upward trend despite the financial recession in the latter half of 2008. even though the global economic downturn did not take a major toll on the country’s financial system, affect population incomes or undermine people’s paying capacity, certain changes had to be introduced to the lending policies considering all the risks involved. In general, the volume of loans Amrahbank provided to its customers in 2008 increased. For instance, retail customers received loans worth AZN 28.1 mln, which is a graphic example of confidence the bank has in customers in the conditions of a financial recession. Amrahbank offers services involving corporate banking, financing of organizational and commercial activities, loans for small and medium-sized businesses, different business financing services, private banking, consumer loans, automobile and travel loans, as well as loans for education and refurbishment. The bank plans to enhance the loan portfolio and its share in the bank’s assets, expand corporate banking and offer effective lending conditions to customers, thus improving the level of service provided. Amrahbank is attaching special importance to developing small and medium-sized businesses and cooperating with corporate customers. since 2003, the bank has been an agent bank for the National Fund on support for entrepreneurship under the Ministry of economic Development. It is no coincidence that in addition to helping private businesses for making profit, the bank’s credit lines have allowed it the opportunity to diversify its lending policies. loans totaling AZN 11.3 mln were provided to corporate customers last year. Amrahbank will continue to diversify its loan portfolio and control systems in an effort to increase the share of the population, small and medium-sized enterprises in the loan portfolio. Amrahbank has succeeded in diversifying the scope of corporate customer loans. support for private businesses, especially the allocation of loans to small and medium-sized enterprises, have contributed to the development and profitability of the sector.
2008
39.4 2007
38.2 Growth rate 3% Loans to corporate customers 11.3
Loans to physical entities
28.1 sTRucTuRe of coRPoRATe cusTomeR cReDiTs Amrahbank successfully continued its lending policy last year. Manufacturing 38.4%
Construction 35.7%
Agriculture 19.4%
Trade and services 6.2%
İllik hesabat 2008 32
pLAstİk kArtLAr Amrahbank son dövrdə xeyli inkişaf etmiş bank kartları biznesinə böyük əhəmiyyət verir, bu sahədə olan bütün yeniliklərdən istifadə edərək müştərilərin maksimal rahatlığını təmin etməyə çalışır. bank VIsA International, Mastercard və Azericard plastik kart sistemlərinin üzvü, Milli Kart Prosessinq Mərkəzinin təsisçilərindən biridir. Amrahbank Azericard, Visa electron, Visa Classic, Visa Gold kartları ilə yanaşı Mastercard Maestro, Mastercard standard, Mastercard Gold, Mastercard Platinum növlü kartların da emissiyasını həyata keçirir. bank Azərbaycanda ilk dəfə olaraq daha yüksək təhlükəsizlik səviyyəsinə malik çip sistemli kartları tətbiq etmişdir. Ötən il plastik kartlarla əməliyyatlardan əldə olu- nan gəlirlər artaraq 108,848 manat təşkil edib ki, bu da 2007-ci ilin göstəricisindən 37,06% çoxdur. İnformAsİyA tExnoLoGİyALAri Amrahbank müştərilərinə təqdim etdiyi xidmətlərin keyfiyyətini yüksəltmək, habelə dəstək funksiyalı şəbəkə sisteminin fəaliyyətinə köməklik göstərmək məqsədi ilə banklar üçün fundamental proqram təminatı məhsullarının təchizatçısı kimi tanınan məşhur “temenos” şirkətinin “t24” proqram təminatını əldə etdi. bu proqram müştərilərin hesablarının, bank xidmətlərinin və “back- office” əməliyyatlarının daha səmərəli, operativ və təhlükəsiz idarə olunmasına təminat verir. Bank informasiya texnologiyalarının tətbiqinə, işgüzar proseslərin innovativ qaydalarla avtomatlaşdırılmasına xüsusi önəm verir. DÖVRİYYƏDƏ OLAN KARTLARIN sTRuKTuRu Debet
88,97% Kredit
11,03% Kateqoriyalarına görə Visa Electron 62,88% Visa Classic 22,39% Visa Gold 13,28% Master / Cirrius 0,58% Master Standard 0,29% Master Gold 0,17% Master Platinium 0,38%
Beynəlxalq 99% Lokal
1% bAnKomATLARin VƏ Pos TeRmİnALLARin sAyi Bakı
13 44 5 2 Regionlar bankomatlar POS terminallar 33 Annual Report 2008 pLAstic cArds Amrahbank is attaching importance to the rapidly developing plastic cards sector, trying to take advantage of technological innovations for the benefit of customers. The bank is a member of VIsA International, MasterCard and AzeriCard systems and a founder of the National Card Processing Center. In addition to AzeriCard, Visa electron, Visa Classic and Visa Gold, Amrahbank circulates MasterCard Maestro, MasterCard standard, MasterCard Gold and MasterCard Platinum plastic cards. Amrahbank was the first Azerbaijani bank to start using more secure chip cards. Revenue fetched by plastic card operations last year constituted AZN 108,848, which represented a 37.06% increase over 2007. informAtion tEcHnoLoGiEs In order to improve the quality of customer service and facilitate the operation of the in-house support network, Amrahbank has acquired t24 bank software from well-known supplier temenos. The software enables effective, prompt and secure management of customer accounts, bank services and back-office operations. The bank is attaching special importance to the application of information technologies and innovative automation of business processes. NuMBER OF CARDS IN CIRCuLATION Debit cards 88.97%
Credit cards 11.03%
category Visa Electron 62.88% Visa Classic 22.39% Visa Gold 13.28% Master / Cirrius 0.58% Master Standard 0.29% Master Gold 0.17% Master Platinium 0.38%
International 99% Local
1% numbeRs of ATms AnD Pos TeRminALs Bakı
13 44 5 2 Regions
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