yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)24. riskebis marTva (gagrZeleba)sakredito riskisakredito riski aris riski, rom jgufma SesaZloa ganicados danakargi, vinaidan misma momxmareblebma,klientebma an monawile mxareebma ver SeZles maTi sakontraqto valdebulebebis gadaxda. jgufi marTavsda akontrolebs sakredito risks riskis moculobaze iseTi SezRudvebis dadgeniT, romelic misTvismisaRebia calkeul mopirispire mxareebTan dakavSirebiT da geografiuli da samrewvelokoncentraciebisaTvis, da amgvar SezRudvebTan dakavSirebuli riskebis monitoringiT.jgufma SeimuSava kreditis xarisxis gadaxedvis procesi, raTa uzrunvelyos garigebaSi monawilemxareebis kreditunarianobaSi savaraudo cvlilebebis adreuli identifikacia, maT Soris giraosregularuli Semowmebebi. garigebaSi monawile mxaris SezRudvebi dgindeba sakredito riskisklasifikaciis sistemis gamoyenebiT, romelic TiToeul monawile mxares aniWebs riskis reitings. riskisreitingi eqvemdebareba regularul Semowmebebs. kreditis xarisxis gadaxedvis procesi jgufssaSualebas aZlevs Seafasos SesaZlo riskebiT gamowveuli potenciuri zarali da miiRosgamosasworebeli zomebi.msesxeblis sakredito riskis zRvari ganixileba da mtkicdeba sameTvalyureo sabWos mier weliwadSiorjer. msesxeblis mier zRvrebis darRvevis SemTxvevenis Tvalyiris devneba xdeba axlad gacemulsesxebze. sakredito komitetma SeiZleba Seitanos garkveuli cvlilebebi zRvrebSi; es qmedeba undadamtkicdes sameTvalyureo sabWos mier.sadac savaldebuloa da sesxebis umetes nawilSi, jgufi moipovebs giraos da kompaniis garantiebs.sakredito riskebis monitoringi xdeba uwyvetad, xolo misi gadaxedva xdeba yovelwliurad an ufroxSirad, gansakuTrebiT maSin rodesac amgvari uzrunvelyofis mopoveba SeuZlebelia.kreditTan dakavSirebuli valdebulebebis riskebijgufi misi momxareblebisaTvis xelmisawvdoms gaxdis im garantiebs, romliTac SesaZloa moTxovniliiqnas, rom jgufma Tavad ganaxorcielos gadaxdebi. amgvari gadaxdebi amoRebulia momxmareblebisaganakreditivis pirobebis Sesabamisad. isini banks msgavsi sasesxo riskebis winaSe ayenebs da es mcirdebaigive sakontrolo procesebiTa da meTodebiT.qvemoT mocemuli cxrili gviCvenebs konsolidirebuli finansuri mdgomareobis angariSgebis komponentSisakredito riskis maqsimalur gamovlinebas, derivativebis CaTvliT. maqsimaluri gamovlena naCvenebiamTlianobaSi, riskis Semcirebis efeqtis gaTvaliswinebamde urTierT-CaTvlis generalurixelSekrulebisa da uzrunvelyofis xelSekrulebis saSualebiT.SeniSvnebimTlianimaqsimalurigamovlena2009mTlianimaqsimalurigamovlena2008 (damatebiTwarmodgenili)fuli da fulis eqvivalentebi (salaros gamoklebiT) 6 54,743 39,508moTxovnebi sakredito dawesebulebebis mimarT 7 14,423 9,638momxmarebleblebze gacemuli sesxebi 8 82,752 109,286sainvesticio fasiani qaRaldebi:-gasayidad xelmisawvdomi 9 2,260 7,902-vadis amowurvamde SenarCunebli 1,995 –156,173 166,334finansuri valdebulebebi da priobiTi valdebulebebi 19 753 16,111mTliani sakredito riskis gamovlena 156,926 182,445rodesac finansuri instrumentebi aRricxva xdeba samarTliani RirebulebiT, zemoT mocemuli Tanxebiwarmoadgenen mimdinare sakredito riskis gamovlenas, magram ara riskis maqsimalur gamovlenas, romelicSesaZloa warmoiqmnas momavalSi maCveneblebis Secvlis Sedegad.TiToeuli klasis finansuri instrumentis sakredito riskis maqsimaluri gamovlenis Sesaxeb ufrodetaluri informaciisaTvis, miTiTebebi unda gakeTdes konkretul SeniSvnebze. giraos efeqti da sxvariskebis Semcirebis meTodebi naCvenebia SeniSvna 11-Si.kreditis xarisxianoba finansuri aqtivebis klasis mixedviTfinansuri aqtivebis kreditis xarisxi imarTeba jgufis Sida sakredito Sefasebebis meSveobiT. qvemoTmocemuli cxrili gviCvenebs kreditis xarisxs finansuri mdgomareobis angariSgebaSi sesxTandakavSirebuli aqtivebis klasis mixedviT, jgufis sakredito Sefasebis sistemaze dayrdnobiT.44