yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)24. riskebis marTva (gagrZeleba)Sesavali (gagrZeleba)jgufis xazinajgufis xazina paxuzismgebelia jgufis aqtivebisa da valdebulebebis marTvasa da saerTo finansurstruqturaze. aseve, xazinis ZiriTad movaleobas warmoadgens jgufis dafinansebisa da likvidurobisriskis marTva.Sida auditijgufSi riskebis marTvis procesebs yovelwliurad meTvalyureobs jgufis Sida auditi, romelicamowmebs procedurebis adeqvaturobasa da jgufis Sesabamisobas procedurebTan. Sida auditi uvelaSefasebis Sedegs ganixilavs xelmZRvanelobasTan da moaxsenebs Sedegebsa da rekomendaciebs auditiskomitets.riskis Sefasebisa da angariSgebis sistemajgufis riskebis Sefaseba xorcieldeba im meTodis gamoyenebiT, romelic ganixilavs rogorcmosalodnel danakargebs, romelic SeiZleba warmoiSvas normalur viTarebaSi, aseve gauTvaliswinebuldanakargebs, romelic warmoadgens ukanaskneli damdgari zaralis Sefasebas statistikuri monacemebissafuZvelze. modeli iyenebs albaTobas istoriul gamocdilobaze dayrdnobiT, romelicdakoreqtirebulia ekonomikuri garemos gaTvaliswinebiT. jgufi agreTve ganixilavs yvelaze uaresiscenaris SesaZlo Sedegebs imis gaTvaliswinebiT rom dadga iseTi eqstremalur pirobebi, romelTadadgoma naklebsavaraudoa.riskebis monitoringi da kontroli umTavresad xorcieldeba jgufis mier dadgenil limitebzedayrdnobiT. es limitebi asaxavs jgufis biznes strategias da sabazro garemos iseve, rogorc riskisdones, romelic jgufs surs miiRos, SerCeul mrewvelobebze damatebiTi koncentrirebiT. garda amisa,jgufi monitorings uwevs da afasebs mTlian sarisko SesaZleblobas saerTo riskTan mimarTebaSi riskisyvela tipisa da RonisZiebis gaTvaliswinebiT.yvela saqmianobidan miRebuli informacia mowmdeba da muSavdeba, raTa uzrunvelyos adreuli riskebisanalizi, kontroli da gansazRvra. am informaciis wardgena da ganmarteba xdeba direqtorTa sabWosTvis,riskebis komitetisTvis da TiToeuli biznes ganyofilebis mmarTvelisTvis. angariSi Seicavs mTliansakredito riskebs, SezRudvebis gamonaklisebs, likvidurobis koeficientebs da riskis profiliscvlilebebs. yovel Tviurad mzaddeba detaluri angariSi romelic Seicavs informacias industriis,momxmareblis da geografiuli riskebis Sesaxeb. ufrosi xelmZRvaneloba kvartalurad afasebssakredito danakargebis rezervis Sesabamisobas. direqtorTa sabWo riskis Sesaxeb detalur angariSsiRebs kvartalSi erTxel, romelic gankuTvnilia imisTvis, rom miewodoT yvela saWiro informaciajgufis riskebis Sefasebisa da daskvnebis gamotanis mizniT.jgufis yvela doneze, specialurad momzadebuli angariSebis riskebis Sesaxeb mzaddeba da vrceldeba,raTa uzrunvelyon, rom yvela biznes ganyofilebas SeeZlos yovlismomcveli, saTanado da ganaxlebuliinformaciis xilva.mmarTvelTa sabWos da jgufis yvela Sesabamis TanamSromels utardeba yoveldRiuri brifingi sabazroSezRudvebis, qonebrivi investiciebisa da likvidurobis, aseve sxva riskis ganviTarebebis gamoyenebisSesaxeb.jgufi aqtiurad iyenebs uzrunvelyofas raTa Seamciros sakredito riski (ufro detalurad ixileTqvemoT).riskis gadaWarbebuli koncentraciakoncentraciebi warmoiqmneba, rodesav mTeli rigi monawile mxareebi CarTulni arian msgavssaqmianobebSi, an saqmianobebSi erTi da igive geografiul raionSi, an aqvT msgavsi ekonomikurimaxasiaTeblebi, rac ganapirobebs maT unars Seasrulon sakontraqto valdebulebebi, romlebic msgavsadiqneba zemoqmedebuli ekonomikaSi, politikaSi da sxva pirobebSi cvlilebebiT. koncentraciebimigvaniSnebs jgufis saqmianobis SefardebiT mgrZnobelobaze im ganviTarebebis mimarT, romlebiczemoqmedebas axdenen konkretul mrewvelobaze an geografiul mdebareobaze.riskebis gadaWarbebuli koncentraciebis Tavidan aridebis mizniT, jgufis politika da procedurebiSeicavs specifikur miTiTebebs diversificirebuli portfelis SenarCunebaze koncentrirebasTandakavSirebiT. sakredito riskebis gansazRvruli koncentraciebi kontroldeba da imarTeba Sesabamisad.43