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Branches perform the following types of activities within the framework of the Bank's license:

  • attraction of demand and term deposits (deposits) and other refundable funds;
  • providing loans (secured and/or unsecured), including consumer and mortgage lending and other types of lending;
  • opening and maintaining accounts of individuals and legal entities;
  • providing services for clearing, settlement-cashier services, transfer of funds, means of payment;
  • implementation of currency exchange transactions;
  • to accept documents and valuables, including cash, for safekeeping (to be kept in special rooms or safe boxes);
  • Other types of activities allowed to be carried out with the license of the Bank, as determined by the law of the Republic of Azerbaijan "On Banks".

 

Branches perform the following types of activities within the framework of the Bank's license:

  • attraction of demand and term deposits (deposits);
  • opening and maintaining accounts of individuals and legal entities;
  • providing services for clearing, settlement-cashier services, transfer of funds, means of payment;
  • implementation of currency exchange transactions;
  • Other types of activities allowed to be carried out with the license of the Bank, as determined by the law of the Republic of Azerbaijan "On Banks".

 

 

The main principles of the awarding policy:

Employee evaluation and motivation work in the bank is based on the principles of ensuring the implementation of strategic goals, fairness, transparency and competitiveness.

 

Dividend policy:

After the completion of the external audit for each year, the net profit obtained for the financial year of the Bank is distributed by the decision of the General Meeting of Shareholders.

 

Information about shareholders and their shares:

Mehdiyeva Nigar Ismayil gizi - has 74.9872% share.

Sadiq Rza Ismayil oglu - has 19.0128% share.

Mahmudova Tukazban Agha gizi - has 6% share.

 

Information about shares issued by the bank:

12,000 bearer shares of common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

1,600 undocumented shares of common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

31,240 shares of undocumented named common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

5 160 undocumented shares of common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

2,000 bearer shares of common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

14,450 undocumented shares of common stock. Nominal value of one share: 1000 manats. State registration number: AZ1001009443

 

The rights of shareholders are as follows:

participate in the management of the society in the manner determined by the Civil Code of the Republic of Azerbaijan, the charter of the society and other legislation, elect and be elected to its management and executive bodies;

To receive information on the company's activities in accordance with the law, to get acquainted with its annual report and accounting balance once a year;

To demand the convening of the general meeting of the company's shareholders;

To demand changes in the agenda of the general meeting of shareholders of the company;

To participate in the general meeting of the company's shareholders with the right to vote and to request a copy of its protocol;

To request an audit of the company's activity by an audit commission or an auditor;

Receive dividends from the company's net profit;

To receive a certain part of the company's remaining property after the company's activities are terminated, after the demands of the company's creditors are fulfilled, after the calculated but unpaid dividends, as well as the liquidation value of the preferred shares are paid;

To have other rights stipulated in the Civil Code of the Republic of Azerbaijan and the charter of the joint-stock company.

 

Bank "BTB" OJSC has the following internal committees with the following composition:

Risk Committee (the main task of which is to monitor the establishment, improvement and proper functioning of risk management systems in the Bank together with the management bodies involved in the Bank's risk management process, the structural department and the Chief Risk Administrator)

Chairman of the Risk Committee – Sadiq Rza Ismail oglu

Member of the Risk Committee - Huseynov Eldeniz Ramiz oglu

Member of the Risk Committee - Huseynzade Yusif Tayyub oglu

Member of the Risk Committee – Abdullayev Rovshan Muslum oglu (non-voting)

 

Middle Credit Committee (the main task is making decisions about loans, participating in risk management for the loan portfolio and ensuring the profitability of the portfolio)

Chairman of the Middle Credit Committee - Yusifov Zaur Agha Zeynal oglu

Member of the Middle Credit Committee - Murtuzayev Nemat Museyib oglu

Member of the Middle Credit Committee - Mammadov Vugar Cherkaz oglu

Member of the Middle Credit Committee - Melikzade Kamran Vahid oglu

Member of the Middle Credit Committee - Babayev Elchin Nazim oglu

 

Senior Credit Committee (the main task is to make decisions about loans, participate in risk management of the loan portfolio and ensure the profitability of the portfolio)

Chairman of the Senior Credit Committee - Huseynov Eldeniz Ramiz oglu

Member of the Senior Credit Committee - Yusifov Zaur Agha Zeynal oglu

Member of the Senior Credit Committee - Abbasov Nihad Oktay oglu

Member of the Senior Credit Committee - Huseynzade Yusif Tayyub oglu

Member of the Senior Credit Committee - Melikzade Kamran Vahid oglu

 

Small Credit Committee (the main task is making decisions about loans, participating in risk management of the loan portfolio and ensuring the profitability of the portfolio)

Its composition consists of a branch manager - chairman, deputy branch manager (if there is one), department head, an experienced specialist in the field of credit (if there is no department head).

 

APIK Committee (the main task is to ensure the efficiency of asset and liability placement, liquidity, interest and market risk management)

Chairman of APIK Committee - Huseynov Eldeniz Ramiz oglu

Member of APIK Committee - Yusifov Zaur Agha Zeynal oglu

Member of APIK Committee - Huseynov Ramin Shahadat oglu

Member of APIK Committee - Huseynzade Yusif Tayyub oglu

Member of APIK Committee - Khalilov Nijat Nizami oglu

Member of APIK Committee - Rafiyev Vugar Sakhavat oglu

 

Information Technologies Committee (the main task of which is to ensure the effectiveness and security of information technology systems)

Member of Information Technologies Committee - Yusifov Zaur Agha Zeynal

Member of Information Technologies Committee - Abdullayev Elshad Chingiz oglu

Member of Information Technologies Committee - Akhundov Anar Afig oglu

Member of Information Technologies Committee - Huseynzade Yusif Tayyub oglu

 

Audit Committee:

Chairman of the Audit Committee - Abdullayev Rovshan Muslum oglu

Member of the Audit Committee – Huseynov Ramin Shahadat oglu

Member of the Audit Committee - Khalilov Hikmet Huseyn oglu

 

Micro Credit Committee (the main task is to make decisions about loans, participate in risk management of the loan portfolio and ensure the profitability of the portfolio)

Composition of the Sub-Committee included in the Micro Credit Committee

Chairman of the Committee: Head of the Micro Credits Department of the Corporate Banking Department;

Committee member: Employee of the Credit Control Department of the Risk Management Department (determined by the Director of the Risk Management Department);

Committee member: head of the Micro Credits section of the respective Branch

Composition of the Upper Committee, which is part of the Micro Credit Committee

Chairman of the Committee: Head of the Micro Credits Department of the Corporate Banking Department;

Committee member: Head of the respective Branch

Committee member: Employee of the Credit Control Department of the Risk Management Department (determined by the Director of the Risk Management Department).

Those who are appointed as reserve members of the Upper Committee and Sub-Committee, which are part of the Micro Credit Committee, and who can participate in the meetings of the committees with the right to vote if any member of the committees (except the Chairman of the Upper Committee) does not attend the meeting:

Head of the Credit Department of the respective Branch;

Head of the Business Loans Division of the Credit Department of the respective Branch;

Head of the Micro Credits section of the respective Branch.

 

Awarding Committee (determining the main directions of the policy of rewarding the Bank's employees according to the performance results, and conducting the remuneration in accordance with this policy)

Chairman of the Awarding Committee - Sadig Rza Ismail oglu

Member of the Awarding Committee - Huseynov Eldeniz Ramiz oglu

 

Information on bonds

Type and form of securities - Interest-bearing unsecured bonds

State registration number of the report on the results of the issue of securities - AZ2001009441

Nominal value, total volume and number of securities - 17,000 (seventeen thousand) units with a nominal value of 500 (five hundred) US dollars and a total volume (by nominal value) of 8,500,000 (eight million five hundred thousand) US dollars

Annual interest rate on bonds - Annual interest rate on bonds 9(nine) %

Maturity period - 7 (seven) years (2520 days) from the date of placement of bonds. It was paid based on the protocol of the Extraordinary General Meeting of Shareholders of Bank "BTB" OJSC dated 11.11.2017 No. SÜY-004-2017.

Rights established by each bond:

  • To receive the principal amount of the bond from the Issuer at the end of the bond circulation period;
  • To receive from the Issuer the interest calculated on the nominal value of the bonds on the last working day of each month during the period of circulation of the bonds, which is 9 (nine) percent of the nominal value of the bond;
  • When a decision is taken to liquidate or reorganize the Issuer, as well as when the Issuer is declared bankrupt, to demand from the Issuer the early payment of the nominal value of the Bonds and the accrued but unpaid interest until that date;
  • To have other rights provided by law.

 

Information on bonds

Type and form of securities – Interest-bearing, unsecured, undocumented bonds

Registration number of securities issue - AZ2002009440

Nominal value of securities: nominal value of one bond is 1000 (one thousand) AZN

The total number of securities is 2000 (two thousand).

Annual interest rate on bonds - 9 (nine) %

Maturity period - The maturity period of bonds is 1 (one) calendar year from the date of placement of the first bond in issue. The interest payable on the bonds is paid quarterly (on the last business day of each quarter) during the period of circulation of the bonds (within 1 (one) calendar year from the date of placement of the first bond in issue). At this time, 90 days per quarter are taken as the basis.

 

Rights established by each bond:

  • To demand from the Issuer the early payment of the nominal value of the Bonds and the accrued, but unpaid interest up to that date, when a decision is made to liquidate the Issuer, or to reorganize the Issuer, which causes a threat to the performance of the Issuer's obligations to its creditors, as well as when the Issuer is declared bankrupt;
  • To receive the face value of the Bonds from the Issuer when the circulation period of the Bonds expires;
  • To receive interest in the amount of 9% (nine) per annum from the nominal value of the Bonds during the circulation period of the Bonds;

Other rights stipulated in the legislation of the Republic of Azerbaijan.

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