yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)3. mniSvnelovani saaRricxvo politikis mimoxilva (gagrZeleba)finansuri aqtivebis gaufasureba (gagrZeleba)gaufasurebis safuZveli SesaZloa migvaniSnebdes, rom msesxebeli Tu msesxebelTa jgufi ganicdisfinansur sirTuleebs, arRvevs procentisa Tu ZiriTadi Tanxis dafarvis ganrigs, arsebobs misigakotrebis albaToba da sxva, an Tu savaraudoa samomavlo fuladi nakadebis kleba ekonomikuripirobebis cvlilebidan gamomdinare, rac gamoiwvevs sakontraqto pirobebis darRvevas.moTxovnebi sakredito dawesebulebebis mimarT da klientebze gacemuli sesxebiamortizebuli RirebulebiT aRricxuli moTxovnebi sakredito dawesebulebebis mimarT da klientebzegacemuli sesxebis Sefasebisas jgufi Tavdapirvelad individualurad adgens arsebobs Tu aragaufasurebis obieqturi safuZveli individualurad mniSvnelovani finansuri aqtivebisTvis ankoleqtiurad aramniSvnelovnad miCneuli finansuri aqtivebisaTvis. Tu dadginda, rom gaufasurebisobieqturi safuZveli ar arsebobs individualurad Sefasebuli finansuri aqtivisTvis, iqneba esmniSvnelovani Tu ara, aqtivis CarTva xdeba finansuri aqtivebis jgufSi romelsac gaaCnia analogiurisakredito riskebi da am finansuri aqtivebis jgufis Sefaseba gaufasurebasTan mimarTebaSi xdebakoleqtiurad. aqtivebi, romelTa Sefaseba gaufasurebasTan mimarTebaSi xdeba individualurad daromelTaTvisac xdeba gaufasurebis zaralis aRiareba, ar aris CarTuli gaufasurebasTan mimarTebaSiaqtivebis koleqtiuri Sefasebis procesSi.Tu arsebobs gaufasurebis zaralis warmoSobis obieqturi safuZveli, zaralis Tanxa aRiricxebarogorc sxvaoba aqtivis sabalanso Rirebulebasa da samomavlo fuladi nakadebis mimdinareRirebulebas Soris (mosalodneli samomavlo sakredito zaralis gamoklebiT, romelsac jer adgili arhqonia). aqtivis sabalanso Rirebuleba mcirdeba gaufasurebis rezervis gamoyenebiT, xolo zaralisTanxa aRiarebulia konsolidirebul mogeba-zaralis angariSgebaSi. saprocento Semosavali ericxebaSemcirebul sabalanso Rirebulebas aqtivis Tavdapirvel efeqtur saprocento ganakveTze dayrdnobiT.sesxebi dakavSirebul rezervTan erTad Camoiwereba maSin, rodesac maTi amoReba aRar aris realuradmosalodneli da moxda yvela uzrunvelyofis realizacia an jgufisTvis gadacema. Tu SemdgomSigaufasurebis zarali izrdeba an mcirdeba gaufasurebis aRiarebis Semdgomi movlenis gamo, uwinaRiarebuli gaufasurebis zarali izrdeba an mcirdeba gaufasurebis rezervis koreqtirebiT. TumomavalSi moxerxda Camowerili Tanxis amoReba, igi kreditdeba konsolidirebuli mogeba-zaralisangariSgebaSi.mosalodneli samomavlo fuladi nakadebis mimdinare Rirebuleba diskontirebulia finansuri aqtivisTavdapirveli efeqturi saprocento ganakveTiT. Tu sesxs gaaCnia cvladi saprocento ganakveTi,diskontis ganakveTi gaufasurebis zaralis Sesafaseblad warmoadgens mimdinare efeqtur saprocentoganakveTs. uzrunvelyofili finansuri aqtivis samomavlo fuladi nakadebis mimdinare RirebulebisgamoTvla asaxavs fulad nakadebs romlebic gamomdinareobs gamoyenebuli uzrunvelyofidan, romelsacakldeba uzrunvelyofis miRebasTan da realizaciasTan dakavSirebuli xarjebi, imisda miuxedavad,mosalodnelia Tu ara uzrunvelyofis gamoyeneba.gaufasurebis koleqtiurad Sefasebis mizniT, finansuri aqtivebi dajgufebulia jgufis Sida sakreditorangirebis sistemaze dayrdnobiT, romelic iTvaliswinebs sakredito riskis maxasiaTeblebs,rogorebicaa aqtivis tipi, seqtori, geografiuli mdebareoba, uzrunvelyofis tipi, vadagadacilebisstatusi da sxva.gaufasurebasTan mimarTebaSi koleqtiurad Sefasebuli finansuri aqtivebis samomavlo fuladi nakadebigansazRvrulia msgavsi sakredito riskis maxasiaTeblebis mqone aqtivebis istoriuli zaralisSesabamisad. istoriuli zarali koreqtirdeba arsebul monacemebze dayrdnobiT, raTa asaxuli iqnasmimdinare pirobebis gavlena, xolo is garemoebebi, romlebic amJamad aRar arsebobs, ar iyosgaTvaliswinebuli. samomavlo fuladi nakadebis savaraudo cvlilebebi asaxavs da Seesabameba wlidanwlamde cvlad SesamCnev monacemebs (rogorebicaa umuSevrobis done, uZravi qonebis fasi, saqonlis fasi,gadaxdisunarianoba da sxva faqtorebi, romlebic aqtivebis jgufSi zaralis ganmsazRvrelia). samomavlofuladi nakadebis Sefasebis meTodologiis da daSvebebis, romlebic gamoiyeneba samomavlo fuladinakadebis gansazRvris mizniT, gadaxedva xdeba regularulad gansazRvrul da realur zarals Sorissxvaobis Semcirebis mizniT.dafarvis vadamde SenarCunebuli finansuri investiciebidafarvis vadamde SenarCunebuli investiciebisaTvis jgufi individualurad afasebs arsebobs Tu aragaufasurebis obieqturi safuZveli. Tu arsebobs gaufasurebis zaralis warmoSobis obieqturisafuZveli, zaralis Tanxa aRiricxeba rogorc sxvaoba aqtivis sabalanso Rirebulebasa da samomavlofuladi nakadebis mimdinare Rirebulebas Soris. aqtivis sabalanso Rirebuleba mcirdeba da zaralisTanxa aRiarebulia konsolidirebul mogeba-zaralis angariSgebaSi.Tu momaval periodSi gaufasurebis savaraudo moculoba mcirdeba gaufasurebis aRiarebis Semdgomimovlenis gamo, uwin daricxuli nebismieri Tanxa kreditdeba konsolidirebul mogeba-zaralisangariSgebaSi.15