sosiete Jeneralis

iskebis angariSi
RISK REPORT
Annual Report 2011
riskebis marTvis samsaxuris pasuxismgeblobaa:
n bankis saqmianobis Sedegad warmoqmnili riskebis analizis, Sefasebis, damtkicebis da monitor-
ingisaTvis gamoyenebuli meTodebis gansazRvra da validireba;
n gamovlenili riskebis prevenciis an SemcirebisaTvis Sesabamisi RonisZiebebis gansazRvra da
ganxorcieleba; riskebis marTvis sainformacio sistemebis adekvaturobis da Sesabamisobis monitoringi;
n bankis klientebTan momuSave urTierTobis oficrebis mier SeTavazebul tranzaqciebTan dakavSirebuli
sakredito riskebis damoukidebeli Sefaseba;
n tranzaqciebis regularuli monitoringi mTeli vadis ganmavlobaSi;
n maRali riskis sferoebSi gayidvebis strategiis kritikuli mimoxilva.
banki „respublika“ icavs Semdeg principebs:
n mkacri Sesabamisoba jguf „sosiete Jeneralis“ „normatiul bankTan“ (standartebi, romlebic
SemuSavda, rogorc jgufis riskebis marTvis politikis nawili) da iuridiuli da maregulirebeli
moTxovnebis mudmivi monitoringi;
n klientebisaTvis jerovani konsultaciis gawevis valdebuleba;
n biznesurTierTobebis ganviTareba mxolod srulad identificirebul kontrahentebTan, romlebsac
aqvT pasuxismgeblobis da keTilsindisierebis iseTive aRqma, rogorc jguf „sosiete Jenerals“;
n keTilgonierebis, sifrTxilis, sanimuSo gamocdilebis da riskebis marTvis xarisxisa da diversifikaciis
principebis gamoyeneba im SemTxvevaSic ki, rodesac am midgomam SesaZloa uaryofi-
Tad imoqmedos bankis mogebaze moklevadian perspeqtivaSi;
n klientebisaTvis uaris Tqma nebismieri iseTi mniSvnelovani finansuri tranzaqciis ganxorcielebaze,
romelic ar aisaxeba maT sabalanso uwyisSi an gare auditorebs ar aqvT srulyofili
informacia amasTan dakavSirebiT.
THE RISK MANAGEMENT DIRECTORATE IS RESPONSIBLE FOR:
n Defining and validating the methods used for analysis, assessment, approval and monitoring of risks gener-
ated by activities of the bank.
n Definition and realization of measures for preventing or mitigating the identified risks and monitoring the
adequacy and consistency of risk management information systems.
n Providing independent assessment of credit risks on transactions proposed by relationship managers who
are in touch with clients of the bank.
n Regular monitoring of transactions during their entire lifespan.
n Conducting a critical review of sales strategies for high-risk areas.
BANK REPUBLIC APPLIES THE FOLLOWING PRINCIPLES:
n Strict compliance with Société Générale Group’s “Normative Bank” (standards drawn up as part of the
group’s risk management policy) and constant monitoring of legal and regulatory requirements.
n The obligation to advise clients appropriately.
n Development of business relationships only with counterparties whose identity has been clearly established
and who share the same sense of responsibility and integrity as Société Générale Group.
n Application of the principles of prudence, good conduct and risk quality and diversification, even when this
could affect short-term profitability.
n Refusal to arrange any significant financing transactions for clients if these do not appear on their balance
sheet or if their external auditors have not been fully informed.
RISK REPORT
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