sosiete Jeneralis

Annual Report 2011
pirvel kvartalSi mcire da saSualo biznesze
gacemuli kreditebis portfeli moculobis
TvalsazrisiT 17%-iT gaizarda, msesxeblebis
raodenobis mxriv _ 12%-iT. amasTan, mcire da
saSualo biznesklientebis mixedviT, jvaredini
gayidvebisa da sabanko produqtebiT sargeblobis
maCvenebeli mniSvnelovnad izrdeba.
mcire da saSualo sawarmoebis dafinansebis departamentSi
Seiqmna specialuri ganyofileba,
romelic moemsaxureba bankis aramsesxebelTa
kategoriis klientebs da am segmentis efeqtianobas
gazrdis.
didi korporaciebis ganyofileba kidev ufro
gaZlierda gamocdili korporaciuli analitikosebis
mniSvnelovani raodenobis damatebiT
(korporaciuli sabanko saqmianobis departamentSi
korporaciuli sakredito analizis xarisxis
amaRlebis, riskis Sefasebis da faswarmoqmnis
gaumjobesebis mizniT). yvela axladayvanil
kadrs aqvs sabanko seqtorSi muSaobis mravalwliani
gamocdileba, zogierT maTgans _ riskis
marTvis sferoSi. korporaciuli gayidvebis jgufis
winaSe gansazRvrul iqna mkafio „samoqmedo
areali“, romelmac moicva saqarTveloSi moqmedi
udidesi korporaciebi. aRniSnuli areali daiyo
dargobriv mimarTulebebad da TiToeul maTganze
mimagrebul iqna Sesabamisi bankiri. maT daevalaT
urTierTobebis gaRrmaveba klientebTan winaswar
gansazRvruli gegmiT garigebis potencialidan da
prioritetulobidan gamomdinare. bevri garigeba
daixura (jandacvis, sacalo vaWrobis da transportis
sferoebSi). maT magivrad gaformda axlebi,
romelTa dasrulebis TariRebi, savaraudod,
2012 wlis meore kvartalia.
2011 wlis ganmavlobaSi Semosavlebis generaciis
strategia nel-nela Seicvala individualuri
produqtebis Sefasebidan kompleqsur midgomamde
(rogorc korporaciuli, ise sacalo produqtebis
SemTxvevaSi TiToeuli klientisgan Semosavlebis
miRebis axali SesaZleblobebis gaTvaliswinebiT).
axali midgomis mizania TiToeuli urTierTobidan
mogebis miRebis potencialis maqsimizacia.
komerciuli angariSi
COMMERCIAL REPORT
Within the Q1 2012 SME loan portfolio realized a 17% increase in volume and a 12% increase in the number of borrower
clients. Apart from it, cross-selling and utilization of banking products per SME clients is improving significantly.
A special unit has been created within SME Department to cover/serve non-borrower clients of the bank and increase
the effectiveness of that segment.
The Large Corporations Unit was further strengthened with the addition of a number of experienced corporate analysts
within the scope of the ongoing effort to bolster the quality of corporate credit analysis and improvement of risk assessment
and pricing within CBD. All new hires have many years of experience in the banking sector, in some cases,
within the risk function. The Corporate Sales Team was given a clear target coverage universe comprised of the largest
corporations operating in Georgia. Coverage universe was broken down along the sectoral lines, with bankers
assigned to the respective sector charged with developing relationships with the client base on a predefined schedule
driven by the deal potential and priority. A number of large deals were closed in healthcare, retail and transportation
sectors. A handful of large transactions remain in the pipeline with expected closing dates in Q2 2012.
Over the course of 2011, revenue generation strategy has gradually shifted from pricing of individual products to a
holistic approach, taking into account a multitude of revenue generating opportunities from each client. This is comprised
of corporate as well as retail products. The target of the new approach is maximization of profit potential from
each relationship as a whole.
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