yofili ss saqarTvelos saxalxo banki
yofili ss saqarTvelos saxalxo banki
yofili ss saqarTvelos saxalxo banki
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<strong>ss</strong> liberTi <strong>banki</strong> da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)23. xelfasebi da TanamSromelTa sxva Semosavali, saerTo da administraciuli da sxvasaoperacio xarjebi (gagrZeleba)20092008(damatebiTwarmodgenili)miwis da Senobebis gaufasurebis xarji – 6,126uimedo sesxebis Camowera – 2,810jarimebi da sauravebi – 1,197<strong>banki</strong>s dokumentebis warmoebis xarjebi – 140sxva xarjebi 615 10,465sxva saoperacio xarjebi 615 20,73824. riskebis marTvaSesavaliriskebi jgufis saqmianobisTvis damaxasiaTebelia, magram riskebis marTva xorcieldeba uwyvetiidentifikaciis, Sefasebisa da monitoringis saSualebiT. riskis marTvas gadamwyveti mniSvneloba aqvsjgufis momgebianad funqcionirebisaTvis da jgufis TiToeuli TanamSromeli pasuxismgebelia riskebisgamomJRavnebasa da aRmoCenaze Tavisive saqmianobis farglebSi. jgufis operaciebisaTvis damaxasiaTebeliZiriTadi riskebia sakredito, likvidurobisa da sabazro riskebi. misTvis aseve damaxasiaTebeliasaoperacio riskebi.riskebis damoukidebeli kontrolis procesi ar moicavs iseT biznes riskebs, rogoricaa garemos,teqnologiuri da industriuli cvlilebebi. maTi zedamxedveloba xorcieldeba jgufis strategiulidagegmarebis procesis saSualebiT.riskebis marTvis struqturariskebis identifikaciasa da kontrols ZiriTadad axorcielebs sameTvalyureo sabWo; Tumca riksebismarTva da zedamxedveloba aseve xorcieldeba jgufis damoukidebeli ganyofilebebis mier.sameTvalyureo sabWosameTvalyureo sabWo pasuxismgebelia riskebis marTvis saerTo midgomis Camoyalibebasa da riskebismarTvis strategiebisa da principebis damtkicebaze.direqtorTa sabWodireqtorTa sabWo pasuxismgebelia jgufSi riskebTan dakavSirebuli mTeli procesebis monitoringze.auditis komitetiauditis komiteti srulad aris pasuxismgebeli riskis strategiis SemuSavebasa da principebis,struqturis, politikisa da limitebis danergvaze. is pasuxismgebelia riskis ZiriTad sakiTxebze damarTavs da amowmebs riskTan dakavSirebul Sesabamis gadawyvetilebebs.riskebis marTvis departamentiriskebis marTvis departamenti pasuxismgebelia riskebTan dakavSirebuli procedurebis danergvasa dafunqcionirebaze riskebis kontrolis procesis damoukideblobis uzrunvelyofis mizniT.riskebis kontrolis departamentiriskebis komtrolis departamenti pasuxismgebelia, zedemxedveloba gauwios jgufis procedurebisSesabamisobas riskebis principebTan, politikasa da limitebTan. TiToeul biznes jgufs gaaCniadecentralizirebuli departamenti, romelic pasuxismgebelia riskebis damoukidebel kontrolze, maTSoris limitebis darRvevis riskis marTvaze da axali produqciisa Tu tranzaqciis riskebis Sefasebaze.aRniSnuli departamenti aseve uzrunvelyofs riskebis srulyofil asaxvas riskis Sefasebisa daanagriSgebis sistemebSi.42
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