Təbiəti Qoruyaq! Let’S Protect the Nature!

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Təbiəti Qoruyaq! Let’S Protect the Nature! Hesabat / Report 2013 1 Təbiəti qoruyaq! Let’s protect the nature! Hesabat / Report 2013 Hesabat Report Mündəricat Content Müşahidə Şurası Sədrinin müraciəti / Statement of Supervisory Board Chairman 05 Təməl informasiya / Key information 10 Strategiya və brend quruculuğu / Principles of Corporate Strategy 13 Təşkilatlarda üzvlük / Membership in organizations 16 İdarəetmə sistemi / Management system 20 Korporativ sistem/ Corporate system 21 Təşkilati struktur / Organizational structure 24 Strateji və operativ menecment / Team: strategic and operational management 28 Xarici mühit / Environment 34 Makroiqtisadi vəziyyət / Macroeconomics 35 Bank sistemi / Banking sistem 38 Maliyyə göstəriciləri / Financial Indexes 51 Aktivlər / Assets 52 Aktivlərin dinamikası / Assets breakdown 53 Öhdəliklər / Liabilities 55 Öhdəliklərin strukturu / Liability structure 56 Kapital / Capital 57 Kredit portfeli / Loan portfolio 59 Sektorlar üzrə təhlil / Breakdown by sectors 60 Fiziki şəxslərə verilmiş kreditlər / Loans to individuals 61 Fiziki şəxslərə verilmiş kreditlərin strukturu / Structure of loans to individuals 62 Müştəri hesabları / Customer accounts 63 Gəlirlər / Income 65 Xərclər / Expenses 69 Məhsul və xidmətlər / Products and services 73 Biznes kreditləri / Loans 74 Fiziki şəxslərin kreditləşməsi / Loans to individuals 75 Vəsaitlərin cəlb olunması / Funds Raising 77 Plastik kartlar və pul köçürmə sistemləri / Plastic Cards and Money Transfer 79 FOREX 82 Filiallar / Branches 87 Fəaliyyət şəbəkəsi / Branch network 88 Filialların və şöbələrin siyahısı / List of branches and sub-branches 90 Təminat funksiyaları / Business support 96 Beynəlxalq əməkdaşlıq / International cooperation 97 Marketinq / Marketing 100 Soraq informasiyası / Reference information 105 Audit Hesabatı / Auditors’ Report 106 Hesabat / Report 2013 5 Müşahidə Şurası Sədrinin müraciəti Statement by the Chairman of Supervisory Board Hörmətli müştərilər, tərəfdaşlar və əməkdaşlar, Dear customers, partners and colleagues! Böyük məmnuniyyət hissi ilə “Muğanbank” ASC üçün daha bir uğurlu ilin With great pleasure I would like to present the annual report for the year – 2013-cü ilin hesabatını diqqətinizə çatdırmaq istərdim. of 2013, one more successful year for “Muganbank” OJSC. Ötən il ümumilikdə həm bütün ölkəmiz, həm də Muğanbank üçün In general, last year proved to be successful both for our country and səmərəli olmuşdur. Muganbank. Elmir Mehdiyev 2013-cü ilin yekunlarına həsr olunmuş müxtəlif çıxışlarında Azərbaycan In his various speeches dedicated to the results of 2013, Mr. Ilham Aliyev, Respublikasının Prezidenti İlham Əliyev cənabları hesabat ilinin ölkə the President of Azerbaijan Republic has often emphasized that the üçün ən vacib olan sabitlik və inkişaf meyarları nöqteyi-nəzərindən reporting year was successful for the country from the most important uğurlu olduğunu dəfələrlə vurğulayıb. Səciyyəvi haldır ki, Muğanbankın perspectives – stability and development. Distinctively, Muganbank’s da 2013-cü ildəki fəaliyyətini məhz bu sözlər ilə xarakterizə etmək olar. performance in 2013 can be described in terms of these perspectives as Bu müqayisə bir daha sübut edir ki, bankımızın məqsədləri dövlətimizin well. This comparison once again proves that the objectives of our Bank məqsədlərindən irəli gəlir və bankımızın inkişafı vətənimizin inkişafının are motivated by the objectives of our state, and that the growth of our ayrılmaz tərkib hissəsidir. bank is an inseparable part of the development of our motherland. Muğanbank üçün əsas məqsəd Respublikamızın dinamik iqtisadi inkişafına The core objective of Muganbank is to contribute to the dynamic economic və onun beynəlxalq bazarda rəqabət qabiliyyətinin artırılmasına töhfə development of our Republic and contribute to the enhancement of its vermək, Prezidentimizin tutduğu istiqaməti imkanlarımız çərçivəsində competitiveness in the global market as well as through its best efforts hərtərəfli dəstəkləməkdir. extensively support the line of development taken by our President. The past 2013 was another year of Muganbank’s continuous progress. Hesabat / Report 2013 6 Geridə qalan 2013-cü il Muğanbankın daim yüksəlişdə olan növbəti ili oldu. Muganbank could not only retain its positions in the most important Muğanbank Azərbaycanın bank xidmətlərinin ən vacib seqmentlərində segments of Azerbaijani banking industry, but also could fortify them öz mövqelərini nəinki qoruyub saxladı, hətta bazara yeni xidmət və through introduction of new products and services to the market. That məhsullar təqdim edərək yetərincə möhkəmləndirdi. Bunu vaxtında qəbul became possible due to proper strategic decisions taken in good time. edilmiş düzgün strateji qərarlar təmin etdi. 2013-cü ildə Muğanbankın In 2013, we had significant achievements in reaching the targets set by strategiyasından irəli gələn məqsədlərimizə çatmaq yolunda əhəmiyyətli Muganbank strategy. Furthermore, we attained serious successes in nailiyyətlərimiz olmuşdur. O cümlədən, universal və müştərilərin təlabatına forming a universal commercial bank focused on customer demand. yönəldilmiş kommersiya bankı qurmaq işində ciddi uğurlara nail olduq. Annual report is certainly a space of figures first of all. However, Təbii ki, illik hesabat ilk növbədə rəqəmlər məkanıdır. Lakin, Muğanbankın Muganbank’s growth manifested itself not only in terms of quantity, but 2013-cü ildə inkişafı təkcə kəmiyyət baxımından deyil, keyfiyyət also in terms of quality factors in 2013. Expanded service network, newly amilləri nöqteyi-nəzərindən də təsbit olundu. Xidmət şəbəkəsinin opened branches and sub-branches, improved customer services are genişləndirilməsi, yeni açılmış filial və şöbələrin müştərilərin xidmətinə obvious example of that. verilməsi, müştəri xidmətlərinin keyfiyyətinin artırılması bunun bariz nümunəsidir. Besides innovations, Muganbank successfully continued its activities in other current lines of business as well: implementation of regular Yeniliklərdən başqa Muğanbank digər ənənəvi istiqamətlərdə də projects with international financial institutions, a wide scope of lending, fəaliyyətini uğurla davam etdirdi - nüfuzlu beynəlxalq maliyyə təşkilatları ilə continued international trade finance activities and provision of dozens of növbəti layihələr reallaşdı, kreditləşmə daha böyük vüsət aldı, müştərilərin other financial services. Along with that, the dedicated activities to raise xarici ticarət əməliyyatlarının maliyyələşdirilməsi davam etdirildi və the efficiency of the Bank’ performance and improve the risk management onlarla digər maliyyə xidmətləri göstərildi. Bununla yanaşı, 2013-cü ildə system got into new phases. Bankın fəaliyyətinin səmərəliliyinin artırılması və risklərin idarə olunması sisteminin inkişafı üzrə məqsədyönlü iş yeni mərhələlərə keçdi. The result of the performed work and attained successes make it apparent that we have a reliable platform for further success. The systemic Gördüyümüz işin nəticəsi və qazandığımız uğurlar gələcək inkişaf üçün nature of changes, their well-estimated and regular implementation, a etibarlı platformamızın mövcudluğuna şübhə doğurmur. Dəyişikliklərin good harmony of the local experience of the Bank’s management with sistemli xarakter alması, onların tətbiq edilməsinin düşünülmüş və davamlı international best practices were a real contribution, and we therefore are olması, menecmentin yerli təcrübəsinin beynəlxalq təcrübə ilə ahəngi looking ahead optimistically. artıq öz töhfələrini vermişdir və bizə gələcəyə nikbinliklə baxmağa əsas verir. There is no doubt that the ideological and financial achievements made in 2013 will be promoted further. Above all, the Bank will ensure Təbii ki, 2013-cü ildə qazanılan məfkurə və maliyyə uğurları gələcəkdə an enhanced level of customer service, its key advantage. Customer də möhkəmləndiriləcək. Ən başlıcası isə Bank öz əsas üstünlüyünü – attention, meeting customers’ expectations, listening to customers’ views Hesabat / Report 2013 7 müştəri xidmətlərinin yüksək səviyyəsini daha da inkişaf etdirəcək. Axı and ability to provide its services in as simple, convenient and transparent məhz müştərilərə diqqət, onların istəklərini qarşılamaq, onların fikirlərini way as possible have indeed ranked Muganbank among the most rapidly dinləmək və öz xidmətlərini mümkün qədər sadə, rahat və şəffaf etmək growing banks of Azerbaijan. bacarığı Muğanbankı Azərbaycanın ən sürətlə inkişaf edən bankları sırasına daxil edib. Finally, my best thanks to our customers, our local and foreign partners for the productive joint work. I hope your collaboration with the Bank İli yekunlaşdıraraq müştərilərimizə, yerli və xarici tərəfdaşlarımıza səmərəli completely meet your expectations and help the growth of your welfare birgə işə görə səmimi minnətdarlığımı çatdırıram. Ümidvaram ki, 2014-cü in 2014 as well. ildə də bankımızla birgə əməkdaşlığınız istəklərinizə tam cavab verəcək və rifahınızın artımına kömək edəcəkdir. Special thanks to the united and professional team of Muganbank staff, whose professional level is testifed by the results of 2013. The gained Yüksək peşəkarlıq səviyyəsi 2013-cü ilin yekunları ilə təsdiq olunan successes, to a greater degree, are due to you. I am sure that the following Muğanbank əməkdaşlarının vahid və peşəkar komandasına xüsusi years will be much more successful than 2013 for all of us. təşəkkürümü bildirmək istəyirəm. 2013-cü ildə Bankın əldə etdiyi uğurlar böyük dərəcədə Sizin sayənizdə qazanılmışdır. Əminəm ki, gələcək illər hamımız üçün 2013-cü ildən də uğurlu olacaq. Biz gələcəyə
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