yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)3. mniSvnelovani saaRricxvo politikis mimoxilva (gagrZeleba)cvlilebebi saaRricxvo politikaSi (gagrZeleba)faisk 15 “uZravi qonebis mSeneblobis xelSekrulebebi”faisk interpretacia 15 gamoica 2008 wlis ivlisSi da retrospeqtiulad exeba 2009 wlis 1 ianvars da misSemdgom dawyebul wliur periodebs. faisk 15 gawers rodis da ra saxiT unda moxdes uZravi qonebisgayidvasTan dakavSirebuli Semosavlisa da Sesabamisi xarjebis aRiareba, Tu xelSekruleba developersada myidvels Soris miRweulia mSeneblobis dasrulebamde periodSi. interpretacia aseve gawersinstruqciebs Tu rogor unda ganisazRvros xelSekruleba bass 11-is “samSeneblo kontraqtebi” an bass18-is “amonagebi” Sesabamisad da cvlis mimdinare instruqcias uZrav qonebasTan dakavSirebiT bass 18-isdanarTSi. aRniSnul interpretacias jgufis finansur angariSgebaze gavlena ar mouxdenia.faisk 16 “ucxour operaciaSi wminda investiciis hejireba”faisk 16-is interpretacia gamoica 2008 wlis ivlisSi da exeba 2008 wlis 1 oqtombers da mis Semdgomdawyebul wliur periodebs. aRniSnuli interpretacia gawers ucxouri valutis riskis, romelishejirebac unda moxdes wminda investiciis hejirebis operaciaSi, identificirebis instruqciebs, aRwershejirebis instrumentis adgils jgufSi da imas, Tu rogor unda gansazRvros sawarmom savalutomogebis an zaralis Tanxa, romelic exeba rogorc wminda investicias, aseve hejirebis instruments,romelic uqmdeba wminda investiciasTan erTad. interpretacias ar mouxdenia gavlena jgufis finansurangariSgebaze.faisk 9-is – “CarTuli derivativebis gadafaseba” - cvlilebebicvlilebebis Tanaxmad hibriduli finansuri aqtivis samarTliani RirebulebiT mogebaSi an zaralSiasaxviT arsebuli finansuri aqtividan reklasifikaciisas, sawarmoebs moeTxovebaT Seafason,ganacalkevon Tu ara CarTuli derivativi ZiriTadi kontraqtisagan. aseTi Sefaseba unda ganxorcieldessawarmos kontraqtis mxared miRebasa da kontraqtis nebismieri saxis cvlilebas Soris, romelickontraqtis fulad nakadebs mniSvnelovnad cvlis, ugvianesi TariRiT. cvlilebebi exeba 2009 wlis 30ivnisiT dasrulebul an mis Semdgom wliur periodebs. cvlilebis miRebas ar mouxdenia arsebiTigavlena jgufis finansur angariSgebaze, vinaidan ar momxdara im instrumentebis reklasifikacia,romlebic moicaven CarTul derivativebs.faisk 18 klientebisgan miRebuli aqtivebis gadacemafaisk 18 gamoica 2009 wlis ianvarSi da ZalaSi Sedis klientebisgan 2009 wlis 1 ivliss an mis SemdgommiRebuli aqtivebis gadacemasTan mimarTebaSi. daSvebulia aseve ufro adreuli miRebac maSin, rodesacSefaseba miRebulia gadacemis TariRisaTvis. interpretacia retrospeqtiuli xasiaTisaa. faisk 18ganmartavs im xelSekrulebis aRricxvis wesebs, romliTac sawarmo klientisgan miiRebs ZiriTadsaSualebas, romelic Semdgom unda gamoiyenos klientis qselSi CarTvis mizniT, an mianiWos klientsuwyveti wvdoma produqciasa Tu momsaxurebasTan, an orive SemTxvevaSi. aRniSnul interpretacias armouxdenia gavlena jgufis finansur mdgomareobasa Tu saqmianobaze, vinaidan jgufs ar gadauciaklientebisgan miRebuli aqtivebi.Svilobili kompaniebiSvilobili kompaniebi, anu is kompaniebi romlebSic jgufs gaaCnia xmis uflebebis naxevarze meti wilian sxvagvarad aqvs ufleba ganaxorcielos maTi operaciebis kontroli, konsolidirebulia. Svilobilikompaniebi konsolidirebulia jgufisaTvis kontrolis gadacemis TariRidan da ZalaSia kontrolisvadis amowurvamde. jgufis kompaniebs Soris Catarebuli yvela Sida operacia, naSTebi daararealizebuli mogeba jgufis Sida operaciebTan mTlianad iqviTeba; ararealizebuli zaraliciqviTeba, garda im SemTxvevebisa, rodesac arsebobs gadacemuli aqtivis gaufasurebis safuZveli.saWiroebisamebr Svilobili kompaniebis saaRricxvo politika Secvlilia da SesabamisobaSia moyvanilijgufis politikasTan.Svilobili kompaniebis Sesyidvajgufis mier Svilobili kompaniebis Sesyidvisas gamoyenebulia buRaltruli aRricxvis SesyidvaTameTodi. SeZenili amocnobadi aqtivebi da Serwymisas arsebuli valdebulebebi da pirobiTivaldebulebebi Tavdapirvelad aRiricxeba samarTliani RirebulebiT Sesyidvis TariRisaTvis,umciresobis wilis moculobis miuxedavad.Sesyidvis safasuris metoba jgufis wilze amocnobadi aqtivebis, valdebulebebisa da pirobiTivaldebulebebis wminda samarTlian RirebulebaSi aRiricxeba rogorc gudvili. Tu Svilobili kompaniisSesyidvis Rirebuleba naklebia jgufis wilze amocnobadi aqtivebis, valdebulebebisa da pirobiTivaldebulebebis wminda samarTlian RirebulebaSi, sxvaoba pirdapir aRiricxeba konsolidirebul mogebazaralisangariSgebaSi.11