msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
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#2(110), 2009 auditi, aRricxva, finansebi<br />
jobs, rom isini igive gzas daadgnen, rasac civilur<br />
samyaroSi gonieri sabanko struqturebi akeTeben.<br />
erovnuli bankis sabWos wevri, profesori mixeil<br />
ToqmaziSvili aRniSnavs, rom komerciuli bankebisa<br />
da danarCeni ekonomikuri seqtorebis saqmianoba<br />
urTierTgadajaWvulia da rodesac am jaWvis romelime<br />
rgoli amovardeba, bunebrivia, es zegavlenas axdens<br />
sxva rgolebze. 2008 wlis meore naxevarSi<br />
ekonomikuri aqtivoba Semcirda. aman mravali kompania<br />
gadaxdisuunaro gaxada, ris Sedegadac valebi veRar<br />
daabruna da komerciuli bankebis saqmianobasac aSkarad<br />
daetyo. es iyo ZiriTadi mizezi imisa, rom komerciuli<br />
bankebi rTul mdgomareobaSi aRmoCndnen. isini<br />
iZulebuli gaxdnen radikaluri zomebi mieRoT, an<br />
<strong>valebis</strong> restruqturizacia moexdinaT, an kidev<br />
miemarTaT im sawarmoebis gakotrebisaTvis, romlebic<br />
gadaxdisuunaroni arian da perspeqtiva ar gaaCniaT,<br />
rom gadauxadon es valebi. magram mTavari mimarTuleba<br />
mainc aris restruqturizacia, radgan saxelmwifo<br />
cdilobs donorebis mier gamoyofili Tanxebidan<br />
garkveulwilad daexmaros rogorc mSeneblobis<br />
seqtors, aseve mrewvelobas Tu agrosamrewvelo<br />
seqtors. aqedan gamomdinare, bankebma mraval sawarmos<br />
valebi gadauvades, ramac bankebis saqmianoba<br />
garkveulwilad raRac periodiT Seaferxa, magram maT<br />
urTierTobas raRac perspeqtiva misca.<br />
fizikur pirebTan dakavSirebiT sxva viTarebaa.<br />
yovel fizikur pirs, romelsac vali aqvs aRebuli,<br />
garantad Tavisi uZravi qoneba an sxva ram aqtivebi<br />
aqvs Cadebuli. am SemTxvevaSi dgeba sakiTxi maTi<br />
aqtivebis likvidurobis Sesaxeb. Tuki fizikuri piri<br />
vals ver daubrunebs, maSin banki Seecdeba likviduri<br />
gaxadon is, rac garantad iyo Cadebuli. am SemTxvevaSi<br />
banki ar zaraldeba, magram valis ukan dabruneba droSi<br />
eWimeba da mis saqmianobaze esec uaryofiTad moqmedebs.<br />
`zogi bankebs arahumanurobaSi sdebs brals.<br />
erTaderTi, roca SeiZleba banks vuTxraT, rom<br />
arahumanuria, Tuki es exeba im regionebs, romlebic<br />
dazaraldnen 2008 wlis agvistoSi omiT. rodesac<br />
klienti xelSekrulebas debs, man unda icodes, ra<br />
ufleba aqvs da ra ara. xelSekruleba aris yvelaze<br />
maRali rgoli, is pirobebi, romelsac igi daTanxmda<br />
da romliTac man sesxi miiRo. magram Semdeg, Tuki<br />
viTareba Seicvala, laparaki unda iyos ara humanurobaze,<br />
aramed axal urTierTobaze bankTan. am SemTxvevaSi<br />
humanuroba sxva araferia, Tu ara: `mapatieT, am vals<br />
ver dagibrunebT~. humanuroba cota Sorsaa biznesurTierTobebTan~,<br />
- ambobs mixeil ToqmaziSvili~.<br />
dali CikvaiZe<br />
erovnulÿbanksÿprezidentiÿeRirsa<br />
saqarTvelosÿerovnulÿbanksÿaxaliÿprezidentiÿhyavs.ÿaRniSnulÿTanamdebobazeÿsafinansoÿzedamxedvelobis<br />
saagentosÿ yofiliÿ ufrosiÿ giorgiÿ qadagiZeÿ dainiSna.ÿ qadagiZeÿ aRniSnulÿ Tanamdebobazeÿ saqarTvelos<br />
prezidentmaÿdaniSna.<br />
saqarTvelosÿerovnulÿbanksÿromanÿgociriZisÿTanamdebobidanÿwasvlisÿSemdegÿprezidentiÿarÿhyolia.<br />
gociriZisÿSemdegÿprezidentisÿmovaleobasÿvice-prezidentiÿdaviTÿamaRlobeliÿasrulebda.<br />
komerciuliÿbankebisÿaqtivebiÿSemcirda<br />
saqarTvelosÿkomerciuliÿbankebisÿmTlianiÿwmindaÿaqtivebi,ÿmimdinareÿwlisÿdasawyisTanÿSedarebiT,ÿ319,1<br />
mlnÿ lariTÿ Semcirdaÿ daÿ 8ÿ mlrdÿ 546ÿ mlnÿ 500ÿ aTasiÿ lariÿ Seadgina.ÿ erovnuliÿ bankisÿ <strong>info</strong>rmaciiT,ÿ wlis<br />
dasawyisidan,ÿ0,5%-iT,ÿ7,9ÿmlnÿlariTÿSemcirdaÿaseveÿsabankoÿseqtorisÿsakuTariÿsaxsrebiÿ(saaqcioÿkapitali)<br />
daÿamJamadÿ1ÿmlrdÿ509ÿmlnÿ300ÿaTasiÿlaria,ÿracÿkomerciuliÿbankebisÿmTlianiÿwmindaÿaqtivebisÿ17,7ÿprocentia.<br />
ganaRdebuliÿsawesdeboÿkapitalisÿzrdamÿ8,3ÿaTasiÿlariÿSeadgina.ÿbankebisÿraodenobaÿucxouriÿkapitalis<br />
monawileobiTÿsawesdeboÿkapitalSi,ÿwlisÿdasawyisTanÿSedarebiT,ÿarÿSecvlilaÿdaÿbankebisÿsaerToÿganaRdebul<br />
sawesdeboÿkapitalSiÿmaTiÿwiliÿ73,5%-ia.ÿumsxvilesiÿaqtivebisÿmqoneÿ5ÿbankisÿwiliÿsabankoÿseqtorisÿmTlian<br />
aqtivebSiÿwlisÿdasawyisidanÿ79,3-danÿ78,3ÿprocentamdeÿSemcirda..<br />
fuladiÿdaxmarebebisaÿdaÿSemweobebisÿgacemasÿ„saxalxoÿbanki”ÿmoemsaxureba<br />
socialuriÿ daxmarebebis,ÿ devnilTaÿ daÿ ltolvilTaÿ Semweobebis,ÿ 2009ÿ wlisÿ saxelmwifoÿ programiT<br />
gaTvaliswinebuliÿfuladiÿdaxmarebebisaÿdaÿSemweobebisÿgacemasÿ„saxalxoÿbanki~ÿganaxorcielebs.ÿrogorc<br />
„saxalxoÿbankSi”ÿganacxades,ÿbankmaÿsocialuriÿdaxmarebisaÿdaÿdevnilTaÿSemweobebisÿsabankoÿmomsaxurebis<br />
mizniT,ÿ socialuriÿ momsaxurebisÿ saagentosÿ mierÿ gamocxadebulÿ tenderSiÿ gaimarjva.ÿ `saxalxoÿ bankSi~<br />
aRniSnaven,ÿ romÿ tenderSiÿ sxvaÿ bankebTanÿ SedarebiTÿ maTiÿ upiratesobaÿ filialebisÿ qselisÿ simravlem,<br />
momsaxurebisÿmaRalmaÿxarisxmaÿdaÿoperatiulobamÿganapiroba.ÿ`saxalxoÿbanki~,ÿromelsacÿsulÿ210ÿfiliali<br />
aqvs,ÿ2004ÿwlidanÿaseveÿpensiebis,ÿsaxelobiTiÿstipendiebisaÿdaÿsapensioÿdanamatebisÿsabankoÿmomsaxurebas<br />
axorcielebs.<br />
2009ÿwlisÿsaxelmwifoÿbiujetSiÿaRniSnuliÿsaxisÿdaxmarebebisÿmoculobaÿ180ÿmlnÿlarsÿSeadgens.<br />
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