saqarTveloSi bunebrivi airi gaZvirdeba - banksandfinance.ge
saqarTveloSi bunebrivi airi gaZvirdeba - banksandfinance.ge
saqarTveloSi bunebrivi airi gaZvirdeba - banksandfinance.ge
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#158<br />
ivnisi<br />
ivnisi<br />
`saxalxo bankSi~ sesxebisa da sakredito<br />
baraTebis gacema am Tvis bolosTvis aRd<strong>ge</strong>ba<br />
`saxalxo bankSi~ sesxebisa da sakredito<br />
baraTebis gacema am Tvis bolosTvis<br />
aRd<strong>ge</strong>ba. bankis direqtoris beso abulaZis<br />
gancxadebiT, paralalurad mimdinareobs<br />
arsebuli produqtebis, maT Soris sakredito<br />
baraTebis, anabrebisa da sesxebis pirobebis<br />
daxvewa. misive informaciiT, produqtebis<br />
axali pirobebis dad<strong>ge</strong>nisas, bankis menejmenti<br />
klienturis dakveTaze iqneba orientirebuli.<br />
erT-erTi moTxovnaa sakredito baraTis<br />
30-dRiani saSeRavaTo periodis gazrda.<br />
sakredito baraTis gaxsna klients survilisamebr<br />
larSi, evroSi da aSS dolarSi<br />
SeuZlia. baraTis fasi valutis mixedviT<br />
ganisazRvreba `viza eleqtroni~ (20 lari,<br />
10 evro, 10 aSS dolari), `viza klasiki~ (50<br />
lari, 25 aSS dolari), `viza platinumi~<br />
(400 lari, 200 evro, 200 aSS dolari).<br />
baraTi erTwliania, sesxis wliuri<br />
saprocento ganakveTi 36%-ia, baraTis<br />
mflobeli Tanxis Setanis saSeRavaTo peri-<br />
ss `saxalxo bankSi~ axali kompiuteruli<br />
programa dainerga, romelic bankis saoperacio<br />
xarjebs 30%-iT Seamcirebs. bankis<br />
direqtoris beso abulaZis gancxadebiT, programas<br />
samxreT aRmosavleTis qveynebSi sinformacio<br />
teqnologiebis provaideri intracom-i<br />
uzrunvelyofs, romelsac 30-wliani<br />
muSaobis gamocdileba gaaCnia. proeqtis<br />
mTliani Rirebuleba 7 mln. aSS dolaria.<br />
intracom-is warmomad<strong>ge</strong>nlis gregori sai-<br />
odis gadacilebis SemTxvevaSi ixdis sesxis<br />
10%-s, romelsac yovel vadagadacilebul<br />
dReze gadanawilebuli wliuri saprocento<br />
ganakveTic emateba.<br />
beso abulaZis informaciiT, momxmarebels<br />
saintereso siurprizi fuladi gzavnilebis<br />
mimarTulebiTac elis. savaraudod, Semcirdeba<br />
sakomisio gadasaxadi. am droisaTvis yvelaze<br />
dabali ganakveTi (0,5%) saxalxo gzavnilzea,<br />
iunistrimi - 1,9%-2,4%, inteleqspresi-2,5%.<br />
beso abulaZe aRniSnavs, rom gaumjobesdeba<br />
sesxis da anabrebis pirobebi. manamde<br />
`saxalxo bankis~ ipoTekurs sesxebze saprocento<br />
ganakveTi 18%-dan, samomxmareblo sesxebze<br />
-24%-dan ganisazRvreboda.<br />
`saxalxo bankis~ anabrebze saprocento<br />
ganakveTi 12,5%-dan 15%-mde ganisazRvreba.<br />
am droisaTvis aqciis farglebSi larSi denominirebul<br />
anabrebze wliuri sar<strong>ge</strong>beli<br />
17%-mdea gazrdili. aqcia 30 ivniss sruldeba.<br />
`saxalxo bankSi~ 7 milioniani axali kompiuteruli programa<br />
dainerga, romelic bankis saoperacio xarjebs 30%-iT Seamcirebs<br />
tas informaciiT, intracom -is programuli<br />
uzrunvelyofiT muSaobs wamyvani bankebi libanSi,<br />
saberZneTsa da aRmosavleT evropis<br />
qveynebSi. kompania aTenis birJaze 1990 wlidan<br />
aris daregistrirebuli.<br />
axali teqnologiebis meSveobiT wlis bolomde<br />
`saxalxo bankSi~ alternatiuli sabanko<br />
servisebi: mobail-bankingi, internetbankingi<br />
da tele-bankingi dainer<strong>ge</strong>ba.<br />
Oran<strong>ge</strong> Card-is angariSis Sevseba male IPay-is<br />
da Pay Box-is terminalebiT iqneba SesaZlebeli<br />
`saqarTvelos bankis~ sakredito baraTis Oran<strong>ge</strong><br />
Card-is angariSis Sevseba male IPay-is da<br />
Pay Box-is terminalebiT iqneba SesaZlebeli.<br />
`saqarTvelos bankis~ Svilobili kompaniis<br />
Direct Debit Georgia-s (IPAY) (100%-is mflobeli<br />
`galT Tagart kapitali~ ) cnobiT, 2008<br />
wlis bolomde IPay-is aparatebi 600-ze met<br />
obiqtSi ganTavsdeba. am droisTvis 200<br />
wertilSi ama Tu im nivTis, Tu produqtis<br />
SeZenisas, molare-operatoris meSveobiT komunaluri,<br />
satelefono da sxva gadasaxadebis<br />
gastumrebac aris SesaZlebeli.<br />
Oran<strong>ge</strong> Card-is angariSis Sesveba jerjerobiT<br />
bankSi miusvlelad SeuZlebelia,<br />
am proceduris Sesruleba SesaZlebelia<br />
mxolod `saqarTvelos bankis~ im klientisTvis,<br />
visac aqvs gaxsnili raime saxis<br />
(saxelfaso da sxva) angariSi, romlidanac<br />
sasurveli Tanxa Oran<strong>ge</strong> Card-is angariSze<br />
iricxeba.<br />
bankSi acxadeben, rom axali servisi,<br />
romelic rogorc `saqarTvelos bankis~<br />
kuTvnil IPay-is, aseve misi partnior Pay-<br />
Box Cash-terminalebs daemateba, moxsnis<br />
ri<strong>ge</strong>bs bankis filialebSi.<br />
am droisaTvis IPay-is terminaliT komunaluri<br />
da sxva (aieti, me-7 arxi, saburTalo<br />
TV) gadasaxadebis gastumrebis garda, paata bur-<br />
WulaZis saerTaSoriso saqvelmoqmedo fondSi `iavnana~<br />
mzrunvelobamoklebul bavSvebis dasaxmareblad<br />
Tanxis gadaricxvac aris SesaZlebeli.<br />
sabanko siaxleni<br />
www.<strong>banksandfinance</strong>.<strong>ge</strong><br />
`Tibisi bankma~ media-konkursi `Cems gverdiT<br />
Cemi bankia~-s gamarjvebulebi gamoavlina<br />
`Tibisi bankma~ da sakonsultacio jgufma<br />
`jepram~ media-konkursSi `Cems gverdiT Cemi<br />
bankia~ monawile 33 Jurnalistidan 5 gamarjvebuli<br />
dasaxeles.<br />
pirvel adgilze gasul gazeT `24 saaTi~is<br />
korespondent nino natroSvils `Tibisi<br />
bankma~ 1 200 lari gadasca, meore pozicia<br />
daikava da 600 lariT dasaCuqrda `roiteris~<br />
korespondenti niko mWedliSvili, mesame<br />
adgili da 400 lari sazogadoebrivi radios<br />
Jurnalistebma gvanca kikaliSvilma da eka<br />
talaxaZem gainawiles. me-4 adgili daikaves<br />
telegadacema `biznes kurieris~ da mediaholding<br />
GBC-is (sainformacio sa<strong>ge</strong>nto GBC,<br />
13 ivniss gorSi `Tibisi bankis~ axali filiali<br />
gaixsna, romelic moemsaxureba Sida<br />
qarTlSi mcxovreb kerZo pirebsa da region-<br />
Si moRvawe organizaciebsa da bizneskompaniebs.<br />
bankis warmomad<strong>ge</strong>nlebTan erTad filialis<br />
gaxsnas adgilobrivi gubernatori, xelisuflebisa<br />
da inteli<strong>ge</strong>nciis warmomad<strong>ge</strong>nlebi<br />
daeswrnen.<br />
`Tibisi bankis~ goris filiali, romelic<br />
pirvelia Sida qarTlis regionSi, xolo<br />
46-e saqarTvelos masStabiT, im axali standartebis<br />
mixedviT Seiqmna, romelic `Tibisi<br />
bankis~ inovacias warmoad<strong>ge</strong>ns qarTul sabanko<br />
seqtorSi.<br />
ss `banki respublika~<br />
momxmarebels 1 seqtembramde<br />
HYUNDAI -<br />
is markis avtomobilebis<br />
fasdaklebiT SeZenis<br />
saSualebas aZlevs.<br />
aqciis farglebSi<br />
`hiundai verakruzze~<br />
2,220 aTasi aSS dolariani<br />
`hiundai <strong>ge</strong>Tsze~<br />
684 aSS dolaris, `hiundai<br />
elntraze~ 1, 050<br />
aTasi aSS dolaris fasdaklebaa.<br />
aRniSnuli avtomobilebis<br />
SeZena 3-dan 84 Tvemde periodiani ganvadebiT aris SesaZlebeli. sesxis wliuri<br />
ganakveTi 16%-ia.<br />
sazafxulo aqcia, romlis farglebSi `verakruzi~ (Zravis moc: 3,8 sm3) 37 000 aSS<br />
dolari, `<strong>ge</strong>Tsi~ (Zravis moc 1,4 sm3) -10 800 , `elantra~ (Zravis moc: 2,0 sm3) - 16 800 aSS<br />
dolari, `sonata~ (Zravis moc: 2,4 sm3) -24 200 aSS dolari Rirs, 2008 wlis 1 seqtembers<br />
sruldeba.<br />
bankis warmomad<strong>ge</strong>neli oleg esebua aRniSnavs, rom Semodgoma-zamTarSi avtosesxebze<br />
16%-iani ganakveTi SenarCundeba.<br />
6<br />
telekompania `mzeze~ gadacema `kapitali~,<br />
inglisurenovani gazeTi Business Week) Jurnalistebma,<br />
romlebic `Tibisi bankma~ parfiumerul<br />
maRaziaTa qsel Voulez-Vous-s 200larini<br />
vauCeriT daasaCuqra.<br />
media-konkursSi 25 media-saSualebidan<br />
(gazeTi, televizia, radio sainformacio<br />
saa<strong>ge</strong>nto) 33 Jurnalistma miiRo monawileoba.<br />
konkursis daskvniTi RonisZieaba klub<br />
`Tan waiReSi~ gaimarTa.<br />
ss `Tibisi banki~ da sakonsultacio<br />
jgufi `jepra~ morigi media-konkursis<br />
pirobebs 15 seqtembers gamoacxadebs.<br />
`Tibisi bankma~ Sida qarTlSi pirveli<br />
filiali gaxsna<br />
,,es aris msoflioSi erT-erTi yvelaze<br />
Tanamedrove tipis sabanko filiali, romelic<br />
momxmarebels momsaxurebis sruliad gansxvavebul<br />
formebs sTavazobs klientsa da<br />
bankis TanamSromels Soris moxsnilia yovelgvari<br />
barieri, klientebis momsaxureba moxdeba<br />
gaxsnil sivrceSi, sadac klienti Tavisi<br />
TvaliT xedavs momsaxurebis process,~ - acxadeben<br />
bankSi.<br />
aseTi axali koncefciis filialebis Seqmna<br />
`Tibisi bankma~ 5 Tvis winaT daiwyo da<br />
dRemde 12 axali tipis filiali aqvs gaxsnili.<br />
wlis bolomde axali standartebis mqone<br />
40 filiali ifunqcionirebs.<br />
`banki respublika~ somxur bankTan sakontrolo<br />
paketis SeZenaze molaparakebebs awarmoebs<br />
`banki respublika~, sxva msxvili bankebis<br />
msgavsad, regionSi gafarTovebas cdilobs.<br />
somxeTis sabanko bazarze Sesvlas kompania<br />
aqamde ukve samjer ecada, Tumca uSedegod.<br />
`banki respublikas~ menejmenti molaparakebas<br />
sakontrolo paketis SeZenaze rigiT meoTxe<br />
somxur bankTan awarmoebs. molaparakeba rTulad<br />
mimdinareobs, radganac somxuri bankebi<br />
finansuri resursis deficits ar ganicdian da<br />
sakontrolo wilis gayidvas eridebian.<br />
gasul TveSi `respublika bankma~ azerbaijanul<br />
bazarze Sesvlac scada, Tumca aseve<br />
uSedegod. im SemTxvevaSi xeli mas azerbaijanis<br />
sabanko salicenzio regulaciam SeuSala,<br />
romelic ucxouri bankebis qveyanaSi Sesvlas<br />
ewinaaRmde<strong>ge</strong>ba.<br />
`banki respublika~ momxmareblebs `hiundai~-s<br />
avtomobilebze fasdaklebis aqcias sTavazobs
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