yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)4. mniSvnelovani buRaltruli Sefasebebi da daSvebebi (gagrZeleba)ZiriTadi saSualebebizogierTi qoneba (miwa da Senoba-nagebobebi) aRiricxeba gadafasebuli TanxiT. ukanaskneli Sefasebamoxda 2008 wlis 31 dekembers. momdevno gadafasebis savaraudo TariRad dadgenilia 2010 wlis 31dekemberi. ZiriTadi saSualebebis sxva erTeulebi aRiricxeba sxvaobiT TviTRirebulebasa da dagrovilcveTasa da dagrovil gaufasurebis zarals Soris. ZiriTadi saSualebis Semadgeneli calkeulierTeulebis gamoyenebis vadis Sefaseba damokidebulia xelmZRvanelobis daSvebebze, romlebic efuZnebamsgavs aqtivebTan warsul gamocdilebas. aqtivis gamoyenebis vadis gansazRvrisas, xelmZRvanelobamxedvelobaSi iRebs mosalodnel gamoyenebas, savaraudo teqnikur moZvelebas, fizikur cveTas dagaremos, sadac xdeba aqtivis gamoyeneba. CamoTvlili pirobebisa Tu Sefasebebis sistemis nebismiermacvlilebam SeiZleba gamoiwvios momavali cveTis ganakveTis Sesworeba.5. informacia segmentis SesaxebsaxelmZRvanelo miznebisTvis jgufi irganizebulia Semdeg saoperacio segmentebad, romelic efuZnebaproduqtsa da momsaxurebas:sacalo sabankomomsaxurebakorporatiuli dakomerciulimomsaxurebakorporatiulicentripiradi bankirismomsaxurebauZravi qonebismarTvasxvaZiriTadad marTavs individualuri momxmareblebis depozitebs, gascemssamomxmareblo sesxebs, overdrafts, sakredito baraTebsa da uzrunvelyofssaxsrebis gadaricxvis saSualebebs.ZiriTadad gascems sesxebsa da sxva sakredito saSualebebs korporatiuld dainstitucionalur momxmareblebze, aseve marTavs maT depozitebsa da mimdinareangariSebs.ZiriTadad bankis yvela saoperacio segments uwevs administraciulmomsaxurebas.ZiriTadad bankis mniSvnelovan momxmareblebs uwevs piradi bankirismomsaxurebasmarTavs jgufis mier flobil uZrav qonebas.segmentebi, romlebic zemoT ar aris klasificirebulixelmZRvaneloba akvirdeba biznes erTeulebis saoperacio Sedegebs gancalkevebulad, raTagadawyveTileba miiRos saxsrebis ganawilebasa da Sedegebis Sefasebaze. segmentis saqmianobis Sedegi,romelic qvemoT moyvanil cxrilSi iqneba ganmartebuli, Sefaseba xdeba gansxvavebuladkonsolidirebuli finansuri angariSgebis mogeba-zaralSi. mogebis gadasaxadis marTva xdeba jgufursafuZvelze da ar nawildeba saoperacio segmentebze.saoperacio segmentebs Soris garigebebi xdeba sabazro fasiT, iseve rogorc mesame pirTantranzaqciebisas.2009 da 2008 wlebSi calkeul gare momxmarebelTan Tu Semxvedr mxaresTan opraciebis Sedegad miRebuliSemosavali ar aRemateboda jgufis mTliani Semosavlis 10%-s.qvemoT mocemuli cxrili asaxavs saoperacio Semosavals da mogebas da aqtivebisa da pasivebis garkveulinformacias jgufis saoperacio segmentebTan dakavSirebiT.2009sacalosabankomomsaxurebakorporatiulisabankomomsaxurebapiradibankirismomsaxurebakorpora-tiulicentri sxvaSesworebebidagaqviTvebi jamiSemosavalimesame mxaresaprocento Semosavali 13,922 4,758 631 4,814 - (20) 24,105wminda Semosavaligasamrjelodan dasakomisio mosakreblidan 16,958 9,007 87 3,723 - (1) 29,774wminda mogeba ucxourivalutidan 502 377 76 1,556 (1) 924 3,434sxva Semosavali 3,324 3,324 82 4,580 1,066 5,598 17,974sul Semosavali 34,706 17,466 876 14,673 1,065 6,501 75,287saprocento xarji (8,470) (6,087) (206) (5,156) (20) 20 (19,919)wminda gaufasurebis xarjisaprocento Semosavlismomtan aqtivze (553) (19,131) (17) 2,935 - - (16,766)xelfasebi daTanamSromelTa sxvaSemosavali (14,528) (3,332) (203) (1,732) (411) - (20,206)cveTa, amortizacia dagaufasureba (2,950) (737) - (1,229) (52) (1,938) (6,906)25