yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)3. mniSvnelovani saaRricxvo politikis mimoxilva (gagrZeleba)finansuri aqtivebisa da valdebulebebis Camowera (gagrZeleba)finansuri valdebulebebifinansuri valdebulebebis Camowera xdeba maSin, rodesac valdebulebebi aqtivTan mimarTebaSibaTildeba an amoiwureba.rodesac arsebul finansur valdebulebas kreditorTan cvlis meore, mniSvnelovnad SecvlilipirobebiT, an, Tu mimdinare valdebulebis pirobebi mniSvnelovnad icvleba, amgvari cvlileba Tumodifikacia ganixileba, rogorc sawyisi valdebulebis Camowera da axali valdebulebis aRiareba,xolo Sesabamisi sabalanso Rirebulebis sxvaoba aisaxeba konsolidirebul mogeba-zaralisangariSgebaSi.finansuri garantiebibiznesis warmoebis Cveulebriv procesSi jgufi gascems finansur garantiebs, akreditivebsa da aqceptebs.finansuri garantiebi aRiricxeba konsolidirebul finansur angariSgebaSi samarTliani RirebulebiT,sxva valdebulebebSi, rogorc miRebuli premia. Tavdapirveli aRiarebis Semdgom, jgufis valdebulebebiyoveli garantiisTvis izomeba amortizebul premiasa da im xarjebis maqsimalurad zust gaTvlas SorisumetesiT, romelic saWiro iqneba garantiidan warmoSobili finansuri valdebulebis dasafarad.yoveli mateba valebulebebSi, rac dakavSirebulia finanansur garantiebTan, aisaxeba konsolidirebulmogeba-zaralis angariSgebaSi. miRebuli premia aRiarebulia konsolidirebul mogeba-zaralisangariSgebaSi wrfivi meTodis gamoyenebiT garantiis sasargeblo momsaxurebis xangrZlivobisSesabamisad.sadazRvevo da gadazRvevis debitoruli davalianebebisadazRvevo da gadazRvevis debitoruli davalianebebi aRiarebulia sadazRvevo polisis pirobebzedayrdnobiT da fasdeba TviTRirebulebiT. sadazRvevo da gadazRvevis debitoruli davalianebebissabalanso Rirebulebis Sefaseba gaufasurebasTan mimarTebaSi xdeba, rodesac garemoebebi an SemTxvevebimianiSnebs, rom sabalanso Rirebuleba ar SeiZleba iqnas amoRebuli, xolo gaufasurebis zaraliSeitaneba konsolidirebuli mogeba-zaralis uwyisSi.gadazRvevis debitoruli davalianebebi upirveles yovlisa moicavs rogorc sadazRvevo ise gadamzRvevikompaniebis mier gadasaxdel naSTebs, daTmobili sadazRvevo valdebulebebisaTvis. savaraudogadazRvevis premiebis Semosavalad aRiareba xdeba igivenaerad, rogorc es moxdeboda, gadazRveva rompirdapir biznesad CaTvliliyo, gadazRveuli biznesis produqtis klasifikaciis gaTvaliswinebiT.gadamzRvevebis mimarT gadasaxdeli Tanxebi fasdeba dakavSirebuli gadazRvevis politikis SesabamisiformiT da gadazRvevis kontraqtis mixedviT. daTmobili premiebi da anazRaurebuli moTxovnebiwarmodgenilia bruto safuZvelze.gaufasurebis gadaxedva sruldeba gadazRvevis yvela aqtivze, rodesac Cndeba gaufasurebis safuZveli.gadazRvevis debitoruli davalianebebis gaufasureba xdeba mxolod im SemTxvevaSi, Tu arsebobsobieqturi mtkicebuleba imisa, rom jgufma SesaZloa ver miiRos misTvis gadasaxdeli yvela Tanxakontraqtis pirobebis Sesabamisad, da es SeiZleba Sefasdes saimedod.sadazRvevo valdebulebebiZiriTadi sadazRvevo valdebulebebiZiriTadi sadazRvevo kontraqtis valdebulebebi eyrdnoba saangariSo dRes warmoqmnili, daaunazRaurebeli moTxovnebis savaraudo saboloo Rirebulebas, miuxedavad imisa angariSSi iqneba Tu arawarmodgenili, dakavSirebuli moTxovnebis marTvis xarjebsa da gasamrjelosa da sxva ukan miRebuliTanxebis savaraudo Rirebulebis SemcirebasTan erTad. mniSvnelovan Seyovnebebs SeiZleba hqondesadgili saerTo sadazRvevo moTxovnebis garkveuli tipebis Setyobinebasa da mogvarebisas, kerZod,pasuxismgeblobasTan, garemosdacvis da dabinZurebis sakiTxebTan mimarTebaSi, da Sesabamisad romlissaboloo Rirebuleba ar SeiZleba cnobili iyos saangariSo dRisaTvis.gamoumuSavebeli premiebis rezervebimiRebuli premiebis proporcia, maT Soris SuamavlebisaTvis gadasaxdeli sakomisio, romelic exebamomdevno periodebs, gadaitaneba, rogorc gamoumuSavebeli premia. gamoumuSavebel premiis rezerviscvlileba Setanilia konsolidirebul mogeba-zaralis uwyisSi im TanmimdevrobiT, romliTacSemosavalis aRiareba xdeba riskis periodis ganmavlobaSi, an yovelwliuri SemosavlisaTvis, savaraudosamomavlod sargeblis misaRebi Tanxebi.17