sosiete Jeneralis
sosiete Jeneralis
sosiete Jeneralis
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Annual Report 2011<br />
n sakredito riskebis marTvis TvalsazrisiT<br />
bankma gadadga nabijebi Sida kontrolisa da<br />
monitoringis Semdgomi ganviTarebisaTvis, rac,<br />
Tavis mxriv, xels uwyobs sawyis etapze dialogis<br />
warmarTvas iseT klientebTan, romlebsac sirTuleebi<br />
aqvT bankis mier gacemuli sesxebis dafarvasTan<br />
dakavSirebiT. amgvari SemTxvevebis adreul<br />
etapze gamovleniTa da am tipis klientebisadmi<br />
individualuri midgomiT banki cdilobs maqsimalurad<br />
Seamciros klientis winaSe arsebuli<br />
sirTuleebis negatiuri zegavlena Tavad klentsa<br />
da bankze. sakredito riskebis marTvis mimar-<br />
TulebiT bankis kidev erT seriozul Zalisxmevas<br />
warmoadgens dakreditebis Sida wesebisa da<br />
politikis Secvla, romlis miznebia bankisTvis<br />
riskis misaRebi donis uzrunvelyofa da amave<br />
dros klientebis moTxovnebsa da saWiroebebze<br />
bankis reagirebis unaris gaumjobeseba. rogorc<br />
zemoT aRvniSneT, bankis riski mcirdeba riskis<br />
indikatorebis sistemis mudmivad daxvewiT,<br />
rac riskebis marTvaze momuSave TanamSromlebs<br />
RISK REPORT<br />
riskebis angariSi<br />
saSualebas aZlevs, swrafad imoqmedon potenciur<br />
sakiTxebTan dakavSirebuli signalebis sapasuxod<br />
da SeimuSaon Sesabamisi zomebi SesaZlo<br />
negatiuri Sedegebis Tavidan asacileblad;<br />
n zemoT aRniSnuli cvlilebebis gatarebas xels<br />
Seuwyobs axali produqtis ganviTarebasTan dakavSirebiT<br />
gadadgmuli nabijebi. bankSi mimdinare<br />
Sida procesebi warimarTa axali produqtebis<br />
riskebis mkacri kontrolis SesanarCuneblad da,<br />
amasTanave, axali produqtis ideis formirebidan<br />
mis damtkicebamde saWiro drois monakveTis<br />
optimizaciisaTvis.<br />
marTalia, riskebis marTvis TvalsazrisiT 2011<br />
wels mniSvnelovani nabijebi gadaidga, magram<br />
riskebis marTvis gundi kvlav eZiebs axal meqanizmebs<br />
da meTodebs, rac banks saSualebas miscems,<br />
miaRwios riskis xarjianobis dabal dones<br />
da, amave dros, SeinarCunos moqniloba da saTanado<br />
yuradReba klientebis saWiroebebis mimarT.<br />
n Credit risk management - the bank took steps to further improve on internal control and monitoring procedures,<br />
in order to be able to start early dialogue with the clients facing difficulties with repayment of loans provided by the<br />
bank. By early identification of such cases, and by individual approach to such clients the bank aims to maximize<br />
the number of cases where a solution of clients’ difficulties can be found without any negative impact on the client<br />
or the bank. As part of credit risk management, the bank committed significant resources to redesigning the internal<br />
lending rules and policies. These rules were modified in order to ensure acceptable level of risk to the bank, but at<br />
the same time to improve our ability to promptly respond to the requests and needs of our clients. As mentioned<br />
above, the risk of the bank is further mitigated by continuously developing a system of risk indicators that allow the<br />
risk management staff to quickly react on any signs of potential issues and develop appropriate measures to counter<br />
potential negative development.<br />
n New Product Development - The internal processes of the bank were streamlined in order to maintain strict<br />
control of risk profiles of the new products, but at the same time significantly shorten the time needed from idea formulation<br />
to final approval and launch of the product.<br />
While the year 2011 has seen significant progress in area of risk management, the risk team continues to look for<br />
new tools and methods allowing the bank to lower the level of cost of risk, while remaining flexible and attentive to<br />
the needs of our clients.<br />
Annual Report 2011<br />
43
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