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proeqti<br />
<strong>saqarTvelos</strong><br />
<strong>kanoni</strong><br />
<strong>`komerciuli</strong> <strong>bankebis</strong> <strong>saqmianobis</strong> <strong>Sesaxeb</strong>‘‘ <strong>saqarTvelos</strong> kanonSi cvlilebebisa<br />
da damatebebis Setanis Taobaze<br />
muxli 1.<br />
<strong>`komerciuli</strong> <strong>bankebis</strong> <strong>saqmianobis</strong> <strong>Sesaxeb</strong>” <strong>saqarTvelos</strong> kanonSi<br />
(<strong>saqarTvelos</strong> parlamentis uwyebani, 1996w. #003) Setanil iqnes Semdegi<br />
cvlilebebi da damatebebi:<br />
1. <strong>kanoni</strong>s pirveli muxli Camoyalibdes Semdegi redaqciiT<br />
`muxli 1. terminTa ganmarteba<br />
am <strong>kanoni</strong>s miznebisaTvis terminebs aqvT Semdegi mniSvneloba:<br />
"administratori" - bankis sameTvalyureo sabWos, direqtoratis<br />
(gamgeobis) an sarevizio komisiis wevri,agreTve piri, romelic<br />
damoukidleblad an erT an met pirTan erTad uflebamosilia ikisros<br />
valdebulebebi bankis saxeliT;<br />
"bankis filiali" - bankis qvedanayofi, sadac uSualod xorcieldeba<br />
sabanko saqmianoba an misi nawili;<br />
`bankTan dakavSirebuli pirebi” – bankis administratorebi, aqcionerebi,<br />
maTTan naTesauri kavSiris mqone is pirebi, romlebic samoqalaqo kodeqsis<br />
mixedviT, <strong>kanoni</strong>smier memkvidreTa wridan I da II rigSi iricxebian, an saqmiani<br />
interesebiT dakavSirebuli pirebi.<br />
`beneficiari mesakuTre – piri, romelic aris wilis realuri mesakuTre,<br />
am wilidan iRebs fulad an sxva saxis sargebels da romelsac ar aqvs<br />
valdebuleba es sargebeli an misi nawili gadasces sxva pirs.<br />
`ganviTarebuli qveynis finansuri instituti~ - <strong>saqarTvelos</strong> mTavrobis<br />
mier gansazRvruli qveynebis finansuri institutebi. finansur institutSi<br />
igulisxmeba komerciuli banki, sadazRvevo kompania, sabrokero kompania,<br />
broker-dileri, sainvesticio fondi, sainvesticio banki da sxva komerciuli<br />
organizacia, romlis saqmianoba dakavSirebulia finasuri momsaxurebis<br />
warmoebasTan.<br />
"erToblivad moqmedi partniorTa (aqcionerTa) jgufi" - axlo naTesaur<br />
kavSirSi myof partniorTa (aqcionerTa) jgufi an partniorebi (aqcionerebi),<br />
romlebic erTmaneTTan dakavSirebuli arian, bankis garda, sxva komerciuli<br />
interesebiT.<br />
,,komerciuli banki„ – erovnuli bankis mier licenzirebuli iuridiuli<br />
piri, romelic iRebs depozitebs da maTi gamoyenebiT Tavisi saxeliT<br />
awarmoebs kanonmdeblobiT gansazRvrul sabanko saqmianobas.<br />
"krediti" - dabrunebis, fasianobis, uzrunvelyofisa da vadianobis<br />
sawyisebze fuladi Tanxebis gacemasTan dakavSirebuli nebismieri<br />
valdebuleba; "opcioni" - valdebulebis Sesrulebis saSualebis, formis,<br />
moculobis amorCevis ufleba, romelic xelSekrulebis (kontraqtis)<br />
pirobebiT eniWeba erT-erT monawile mxares an xelSekrulebiT (kontraqtiT)<br />
ganpirobebul garemoebaTa gamo valdebulebebis Sesrulebaze uaris Tqmis<br />
ufleba;<br />
"sabanko licenzia" - <strong>saqarTvelos</strong> erovnuli bankis mier gacemuli<br />
sabanko <strong>saqmianobis</strong> ganxorcielebis nebarTva;<br />
"sabanko saqmianoba" - am <strong>kanoni</strong>s me-20 muxlSi CamoTvlili <strong>saqmianobis</strong><br />
saxeobani;
proeqti<br />
“sablanko krediti” – krediti, romelic gaicema sasaqonlo-materialuri<br />
an aramaterialuri qonebrivi sikeTiT, an finansuri garantiiT uzrunvelyofis<br />
gareSe.<br />
"savalo instrumenti" - nebismieri mimoqcevadi savalo sabuTis da am<br />
sabuTis ekvivalenturi sxva nebismieri instrumenti, agreTve nebismieri<br />
mimoqcevadi sabuTi, romelic iZleva sxva savalo instrumentis SeZenis<br />
uflebas xelmoweris an gacvlis gziT; mimoqcevad savalo instruments<br />
SeiZleba hqondes sertifikatebis an sabuxhaltro Canawerebis forma.<br />
"trasti" - ndobiTi funqcia;<br />
`ucxouri sando banki~ - ucxouri banki, romelsac aqvs garkveuli donis<br />
an masze maRali reitingi. <strong>saqarTvelos</strong> mTavroba adgens kompetentur<br />
saerTaSoriso sareitingo organizaciaTa CamonaTvals. <strong>saqarTvelos</strong> erovnuli<br />
banki gansazRvravs reitingis dones calkeuli kompetenturi saerTaSoriso<br />
sareitingo organizaciis mixedviT.<br />
"faqtoringi" - savaWro-sakomisio operaciis saxeoba, romelic<br />
Sexamebulia klientis sabrunavi kapitalis dakreditebasTan, moicavs klientis<br />
debitoruli davalianebis inkasirebas, dakreditebas da sakredito da<br />
savaluto riskis garantiebs;<br />
"fiduciaruli operacia" - ndobiTi operacia, romelsac banki an<br />
satrasto kompania awarmoebs Tavisi saxeliT, magram klientis davalebiT da<br />
mis xarjze (rogorc wesi, investiciebis samarTavad). mTel risks klienti<br />
iRebs Tavis Tavze, xolo banki - sakomisios;<br />
"forfetireba" - sagareo vaWrobis garigebebis dros eqsportis<br />
dakrediteba mimwodeblis mier brunvis gareSe komerciuli Tamasuqebis, sxva<br />
savalo valdebulebebis SeZenis gziT. am operaciis dros garantad gamodis<br />
importiori qveynis banki;<br />
"fiuCersuli operaciebi" - nedleulis, oqros, safinanso da sakredito<br />
instrumentebis yidva-gayidvis swrafi garigebebi birJebze garigebis dadebis<br />
momentisaTvis fiqsirebuli fasiT, opearciis garkveuli drois Semdeg<br />
SesrulebiT.garigebis Sesrulebamde garantiss saxiT Seitaneba garkveuli<br />
Tanxa;<br />
`Svilobili sawarmo„ („Svilobili organizacia„) – am <strong>kanoni</strong>s<br />
miznebisaTvis iuridiuli piri, romelSic sxva iuridiuli piri flobs wilis<br />
(xmis uflebis mqone aqciebis, pais) 50 an met procents.<br />
`sazedamxedvelo kapitali„– kapitalis saxeoba, romelic iqmneba sabanko<br />
<strong>saqmianobis</strong> ganxorcielebisaTvis, mosalodneli Tu moulodneli finansuri<br />
danakargebis/zaralis ganeitralebisa da sxvadasxva saxis riskisagan<br />
dasacavad;<br />
„saaqcio kapitali„ – komerciuli bankis aqcionerTa kapitali, romelic<br />
ganisazRvreba rogorc sxvaoba bankis mTlian aqtivebsa da mTlian<br />
valdebulebebs Soris;<br />
„gancxadebuli sawesdebo kapitali„ – sazogadoebis aqcionerTa mier<br />
daTqmuli da wesdebiT gaTvaliswinebuli sawesdebo kapitali;<br />
„ganaRdebuli sawesdebo kapitali„ – gancxadebuli sawesdebo kapitalis<br />
faqtobrivad Sevsebuli nawili;<br />
„gadaxdisuunaro banki„ – banki, romlis aqtivebi veRar faravs missave<br />
valdebulebebs;<br />
„kontroli„ – komerciuli bankis, arasabanko sadepozito dawesebulebis<br />
saqmianobaze da am saqmianobidan gamomdinare gadawyvetilebaze pirdapir Tu<br />
arapirdapir, uSualod Tu sxvebTan erTad, xmis uflebis mqone aqciebis<br />
(wilis, pais) gamoyenebiT Tu sxva gziT zegavlenis moxdena;
proeqti<br />
„makontrolebeli piri„– kontrolis ganmaxorcielebeli piri;<br />
„monaTesave sawarmo„ – iuridiuli piris Svilobili da kontrols<br />
daqvemdebarebuli sawarmo, agreTve misi makontrolebeli pirebi da maTi<br />
Svilobili da kontrols daqvemdebarebuli sawarmoebi;<br />
„piri„ – fizikuri an iuridiuli piri, agreTve <strong>saqarTvelos</strong><br />
kanonmdeblobiT gaTvaliswinebuli organizaciuli warmonaqmni, romelic ar<br />
warmoadgens iuridiul pirs.<br />
mniSvnelovani wili“ – komerciuli bankis gancxadebuli Tu ganaRdebuli<br />
sawesdebo kapitalis 10-procentiani da 10-ze met procentiani wili, romelsac<br />
piri flobs sawesdebo kapitalSi pirdapiri an arapirdapiri monawileobiT;<br />
„arapirdapiri monawileoba“ – komerciuli bankis sawesdebo kapitalSi<br />
wilis floba Sesabamisi mesame piris meSveobiT.~<br />
2. <strong>kanoni</strong>s me-2 muxlis me-4 punqti Camoyalibdes Semdegi redaqciiT:<br />
`4. valutis gadamcvleli punqtebis licenzireba xorcieldeba mxolod<br />
im SemTxvevaSi, Tu gaTvaliswinebuli iqneba `licenziebisa da nebarTvebis<br />
<strong>Sesaxeb</strong>~ <strong>saqarTvelos</strong> <strong>kanoni</strong>T. <strong>saqarTvelos</strong> erovnuli banki valutis<br />
gadamcvlel punqtebis regulirebas axorcielebs maTi registraciisa da<br />
minimaluri teqnikuri moTxovnebis dadgenis gziT.”<br />
3. <strong>kanoni</strong>s me_3 muxlis 1-li punqti Camoyalibdes Semdegi redaqciiT:<br />
`1. sabanko licenziis misaRebad <strong>saqarTvelos</strong> erovnul banks mimarTaven<br />
werilobiT (garda am <strong>kanoni</strong>s me-4 muxlis 5 1 punqtiT gansazRvrul ucxouri<br />
sando bankis filialisa (warmomadgenlobisa)) am ukanasknelis mier<br />
gansazRvruli wesebisa da formis mixedviT, Suamdgomlobas Tan unda daerTos:<br />
a) damfuZnebeli dokumentebis dednebi an maTi notariulad damowmebuli<br />
aslebi;<br />
b) informacia komerciuli bankis direqtorebis kvalifikaciisa da<br />
sabanko sferoSi muSaobis gamocdilebis <strong>Sesaxeb</strong>;<br />
g) bankis cnoba gancxadebuli sawesdebo kapitalisa da misi ganaRdebuli<br />
nawilis <strong>Sesaxeb</strong>; agreTve informacia, romelic Seicavs monacemebs Sesabamisi<br />
komerciuli bankis gancxadebuli sawesdebo kapitalis da sazedamxedvelo<br />
kapitalis sakuTrebisa da maTi warmoSobis <strong>Sesaxeb</strong>.<br />
d) bankis biznes-gegma, romelSic sxva aspeqtebTan erTad aRniSnuli unda<br />
iyos misi <strong>saqmianobis</strong> saxeoba da organizaciuli struqtura;<br />
e) informacia bankis TiToeuli beneficiari mesakuTris vinaobis <strong>Sesaxeb</strong>,<br />
romelic pirdapir an arapirdapir flobs aqciebis (wilis) xuT da met<br />
procents, odenobis miTiTebiT;<br />
v) <strong>saqarTvelos</strong> erovnuli bankis wesebiT gaTvaliswinebulii damatebiTi<br />
informacia, romelic rogorc minimumi unda Seicavdes informacias sawesdebo<br />
kapitalisa da sxva finansuri resursebis, bankis saTao dawesebulebisa da<br />
filialebis adgilsamyofelis <strong>Sesaxeb</strong>. agreTve nebismieri sxva informacia,<br />
romelsac erovnuli banki dasabuTebulad moiTxovs Titoeul konkretul<br />
SemTxvevaSi.<br />
z) dokumentacia, romelic adasturebs im uZrav qonebaze sargeblobis an<br />
sakuTrebis uflebas, sadac momavalSi ganlagebuli iqneba komerciuli banki an<br />
misi filiali.<br />
T) informacia <strong>saqarTvelos</strong> erovnuli bankis mier dadgenil komerciuli<br />
bankis administratorebisa da mniSvnelovani wilis mflobeli aqcionerebis
proeqti<br />
Sesaferisobis kriteriumebTan komerciuli bankis administratorebisa da<br />
mniSvnelovani wilis mflobeli aqcionerebis (maT Soris mniSvnelovani wilis<br />
beneficiari mesakuTreebis) Sesabamisobis <strong>Sesaxeb</strong>.”<br />
4. <strong>kanoni</strong>s me-4 muxli Camoyalibdes Semdegi redaqciiT:<br />
`muxli 4. gadawyvetileba licenzirebis <strong>Sesaxeb</strong><br />
1. licenzirebis <strong>Sesaxeb</strong> Suamdgomlobis miRebis dRidan ara ugvianes 3<br />
Tvisa <strong>saqarTvelos</strong> erovnuli banki iRebs dasabuTebul gadawyvetilebas,<br />
romlis Taobaze werilobiT acnobebs ganmcxadebels.<br />
2. <strong>saqarTvelos</strong> erovnuli banki sabanko <strong>saqmianobis</strong> licenziebs gascems<br />
mxolod dadgenili wesiT registrirebul im iuridiul pirebze, romelTa<br />
ganaRdebuli sawesdebo kapitalis odenoba, samoqmedo biznesgegma, sabanko<br />
saqmianoba da mis gansaxorcieleblad dakavebuli farTobi akmayofilebs<br />
<strong>saqarTvelos</strong> erovnuli bankis mier dadgenil moTxovnebs, xolo<br />
administratorebi da mniSvnelovani wilis mflobeli aqcionerebi (maT Soris<br />
mniSvnelovani wilis beneficiari mesakuTreebi) Seesabamebian <strong>saqarTvelos</strong><br />
erovnuli bankis mier dadgenil komerciuli bankis administratorebisa da<br />
mniSvnelovani wilis mflobeli aqcionerebis Sesaferisobis kriteriumebs.<br />
3. komerciul bankebs sabanko <strong>saqmianobis</strong> gansaxorcieleblad licenziebi<br />
miecemaT mxolod im SemTxvevaSi, Tu:<br />
a) <strong>saqarTvelos</strong> erovnuli bankis mier dadgenili sawesdebo kapitalis<br />
minimaluri odenoba Sevsebulia srulad, fuladi Senatanis saxiT;<br />
b) komerciuli bankis administratorebi da mniSvnelovani wilis<br />
mflobeli aqcionerebi (maT Soris mniSvnelovani wilis beneficiari<br />
mesakuTreebi) Seesabamebian <strong>saqarTvelos</strong> erovnuli bankis mier dadgenil<br />
komerciuli bankis administratorebisa da mniSvnelovani wilis mflobeli<br />
aqcionerebis Sesaferisobis kriteriumebs da akmayofileben <strong>saqarTvelos</strong><br />
kanonmdeblobiT maTTvis dadgenil sxva moTxovnebs. komerciuli bankis<br />
sameTvalyureo sabWos wevrebis da mniSvnelovani wilis mflobeli<br />
aqcionerebis Sesaferisobis kriteriumebi ganisazRvreba mxolod am <strong>kanoni</strong>s<br />
moTxovnaTa Sesabamisad, xolo direqtorebisa da sxva administratorebis<br />
Sesaferisobis kriteriumebi dgindeba agreTve <strong>saqarTvelos</strong> erovnuli bankis<br />
mier miRebuli normatiuli aqtebiT;<br />
g) sabanko <strong>saqmianobis</strong> licenziis miRebis mizniT wardgenili dokumentebi<br />
da informacia srulyofili da sandoa da warmoadgens komerciuli bankis<br />
momgebianobisa da finansuri mdgomareobis stabilurobis realur<br />
winapirobebs.<br />
4. pirs ekrZaleba iyos komerciuli bankis administratori an<br />
mniSvnelovani wilis mflobeli, Tu:<br />
a) monawileobda operaciaSi, romelmac mniSvnelovani ziani miayena<br />
komerciul banks an arasabanko sadepozito dawesebulebas – sakredito kavSirs<br />
da Selaxa komerciuli bankis an arasabanko sadepozito dawesebulebis –<br />
sakredito kavSiris depozitorTa an sxva kreditorTa uflebebi, an gamoiwvia<br />
komerciuli bankis an arasabanko sadepozito dawesebulebis – sakredito<br />
kavSiris gadaxdis-uunaroba an gakotreba;<br />
b) komerciul bankSi an arasabanko sadepozito dawesebulebaSi –<br />
sakredito kavSirSi samsaxurebrivi movaleobis Sesrulebisas borotad<br />
gamoiyena uflebamosileba;<br />
g) warsulSi iyo komerciuli bankis an arasabanko sadepozito<br />
dawesebulebis – sakredito kavSiris administratori da misi <strong>saqmianobis</strong>
proeqti<br />
Sedegad komerciuli banki an arasabanko sadepozito dawesebuleba –<br />
sakredito kavSiri gadaxdisuunaro gaxda;<br />
d) komerciuli bankis an arasabanko sadepozito dawesebulebis –<br />
sakredito kavSiris mimarT ar Seasrula erTi an erTze meti finansuri<br />
valdebuleba;<br />
e) gamocxadebulia gakotrebulad, nasamarTlevia ekonomikuri<br />
danaSaulisaTvis da ar aqvs gaqarwylebuli nasamarTloba an masze vrceldeba<br />
<strong>saqarTvelos</strong> kanonmdeblobiT gaTvaliswinebuli sxva akrZalvebi<br />
5. ucxoeTis bankis filialze (garda am <strong>kanoni</strong>s me-4 muxlis 5 1 p unqtiT<br />
gansazRvruli ucxouri sando bankis filialisa (warmomadgenlobisa)) sabanko<br />
<strong>saqmianobis</strong> licenzia gaicema mxolod im SemTxvevaSi, rodesac Tavad banki<br />
saTavo dawesebulebis adgilsamyofel qveyanaSi uflebamosilia miizidos<br />
depozitebi. aseT SemTxvevaSi masze licenzia gaicema mxolod <strong>saqarTvelos</strong><br />
erovnul banksa da ucxo saxelmwifos im sazedamxedvelo organos kompetentur<br />
xelisufalTa Soris <strong>saqarTvelos</strong> erovnuli bankisaTvis damakmayofilebeli<br />
konsultaciebis gamarTvis Semdeg, romlebic axorcieleben Sesabamisi bankis<br />
<strong>saqmianobis</strong> zedamxedvelobas.<br />
5 1 . ucxour sando bankis filialze (warmomadgenlobaze) Sesabamisi<br />
saxeobis licenzia gaicema <strong>saqarTvelos</strong> erovnuli bankis mier mxolod<br />
damaarsebeli bankis gancxadebis safuZvelze.<br />
5 2 . am muxlis 5 1 punqtSi aRniSnul filialze (warmomadgenlobaze)<br />
vrceldeba <strong>saqarTvelos</strong> erovnuli bankis mier saqarTveloSi moqmedi<br />
komerciuli <strong>bankebis</strong>aTvis dadgenili minimaluri sarezervo moTxovnebi.<br />
6. am muxlis me-4 punqtiT gaTvaliswinebuli moTxovnebi dadasturebuli<br />
unda iqnes sasamarTlos gadawyvetilebiT an sxva saxelmwifos safinanso<br />
seqtoris Sesabamisi sazedamxedvelo organos dokumentiT.”<br />
5. amoRebuli iqnas <strong>kanoni</strong>s me_10 muxlis pirveli punqti.<br />
6. <strong>kanoni</strong>s me-10 muxlis me_4 punqti Camoyalibdes Semdegi redaqciiT:<br />
`4. nebismieri piri valdebulia Seatyobinos erovnul banks mis mier<br />
komerciuli bankis mniSvnelovani wilis (10% da meti) SeZenis <strong>Sesaxeb</strong> amgvari<br />
wilis SeZenidan 10 kalendaruli dRis ganmavlobaSi.~<br />
7. <strong>kanoni</strong>s me-10 muxls daematos Semdegi redaqciis me-5, me-6, me-7, me-8, me-9<br />
da me-10 punqtebi:<br />
`5. komerciul bankSi mniSvnelovani wilis SeZenidan 60 kalendaruli<br />
dRis ganmavlobaSi mniSvnelovani wilis mflobeli piri (garda amave muxlis<br />
me-6 punqtiT gansazRvruli ganviTarebuli qveynis finansuri institutisa)<br />
valdebulia erovnul banks warudginos informacia, romelic adasturebs mis<br />
Sesabamisobas mniSvnelovani wilis mflobelTa mimarT am <strong>kanoni</strong>T dadgenil<br />
Sesaferisobis kriteriumebTan.<br />
6. ganviTarebuli qveynis finansuri instituti, romelic imyofeba am<br />
qveynis Sesabamisi sazedamxedvelo organos regulirebis qveS valdebulia,<br />
saqarTveloSi komerciuli bankis mniSvnelovani wilis SeZenidan 60<br />
kalendaruli dRis ganmavlobaSi erovnul banks warudginos mxolod is<br />
dokumentebi, romliTac dasturdeba misi regulireba Sesabamisi qveynis<br />
sazedamxedvelo organos mier.
proeqti<br />
7. piri, romelic apirebs komerciul bankSi mniSvnelovani wilis SeZenas<br />
uflebamosilia winaswar mimarTos erovnul banks da moiTxovos am <strong>kanoni</strong>T<br />
dadgenili Sesaferisobis kriteriumebTan misi Sesabamisobis dadastureba.<br />
erovnuli banki amgvari moTxovnis arsebobis SemTxvevaSi valdebulia am<br />
<strong>kanoni</strong>T gansazRvruli dokumentaciis wardgenis Semdeg 20 kalendaruli dRis<br />
ganmavlobaSi acnobos pirs misi Sesabamisoba mniSvnelovani wilis mflobelis<br />
mimarT am <strong>kanoni</strong>T dadgenili Sesaferisobis kriteriumebTan.<br />
8. piri komerciul bankSi mniSvnelovan wils SeiZens Tavis survilis<br />
Sesabamisad, am muxlis me-4 an me-7 punqtiT gansazRvruli normebis mixedviT.<br />
9. Tu am muxlis me-7 punqtiT dadgenil vadaSi erovnuli banki<br />
werilobiT ar acnobebs SeZenis msurvels mis Sesabamisobas am <strong>kanoni</strong>T<br />
dadgenil Sesaferisobis kriteriumebTan, maSin aRniSnuli piri CaiTvleba<br />
Sesabamisad aRniSnul kriteriumebTan.<br />
10. Tu komerciuli bankis mniSvnelovani wilis mflobeli ar Seesabameba<br />
am <strong>kanoni</strong>T dadgenil Sesaferisobis kriteriumebs, igi kargavs xmisa da<br />
komerciuli bankis marTvaSi monawileobis uflebas.~<br />
8. amoRebul iqnas <strong>kanoni</strong>s me-14 muxlis me-4 punqtis `a~ qvepunqti;<br />
9. kanons daematos Semdegi Sinaarsis 21 1 muxli:<br />
`muxli 21 1 . angariSis gaxsna<br />
1. saqarTveloSi moqmedi bankebi TviTon gansazRvraven nebismieri saxis<br />
angariSis gaxsnis (rogorc rezidenti aseve ararezidenti pirebisaTvis)<br />
proceduras da saWiro dokumentebis nusxas. aRniSnuli procedura unda<br />
iTvaliswinebdes angariSis gamxsneli piris identifikacias.<br />
2. saqarTveloSi moqmed bankebs ufleba aqvT Tavad gansazRvron da<br />
moiTxovon sxva damatebiTi informacia.<br />
3. saqarTveloSi moqmed bankebs ufleba aqvT uari ganacxadon angariSis<br />
gaxsnaze yovelgvari dasabuTebis gareSe.”<br />
muxli 2. es <strong>kanoni</strong> amoqmeddes gamoqveynebisTanave.<br />
<strong>saqarTvelos</strong> prezidenti<br />
mixeil saakaSvili
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