yofili ss saqarTvelos saxalxo banki

ss liberTi banki da Svilobili kompaniebi2009 wlis konsolidirebuli finansuri angariSgeba(aTasi lari)saxsrebis mosalodneli moZraobis Sefasebas da maRali xarisxis giraos xelmisawvdomobas, romelicSesaZloa gamoyenebuli iqnas, saWiroebis SemTxvevaSi, damatebiTi dafinansebis uzrunvelyofisaTvis.24. riskebis marTva (gagrZeleba)likvidurobs riski da finansuri marTva (gagrZeleba)jgufi inarCunebs maRal gayidvadi da mravalferovani aqtivebis portfels, romelic advilad SeiZlebalikvidrebuli iqnas fuladi saxsrebis gauTvaliswinebeli moZraobis SemTxvevaSi. garda amisa, jgufiinarCunebs fuladi saxsrebis depozits (savaldebulo rezervi) saqarTvelos erovnul bankSi (seb),romlis moculobac damokidebulia moziduli samomxmareblo fondebis doneze.likvidurobis pozicia Sefasebulia da imarTeba bankis mier damoukideblad, seb-is mier dadgenililikvidurobis garkveuli koeficientebis mixedviT.finansuri valdebulebebis analizi, sakontraqto vadis amowurvis mixedviTwinamdebare cxrilebSi warmodgenilia jgufis 31 dekembris mdgomareobiT arsebuli finansurivaldebulebebis vadis amowurvis analizi, romelic efuZneba sakontraqto daudiskontirebelgadasaxdel valdebulebeb. dafarvebi, romlebic damokidebulia klientis moTxovnaze, CaTvliliamimidinare dafarvebSi. Tumca, jgufi moelis, rom momxmarebelTa umravlesoba ar moiTxovs vadaze adredafarvas da, amdenad, cxrili ar moicavs mosalodneli fuladi saxsrebis nakads, romlebicmiTiTebulia bankis depozitebis SenarCunebis istoriaSi.finansuri valdebulebebi2009 wlis 31 dekembris mdgomareobiT3 Tvezenaklebi3-dan 12Tvemde1-dan 5wlamde5 wliszemoT jamivaldebulebebi sakreditodawesebulebebis mimarT 10,551 31,898 25,132 – 67,581momxmareblebisaTvis gadasaxdeli Tanxebi 167,086 58,847 30,953 150 257,036sxva finansuri valdebulebebi 13 399 149 – 561jamuri aradiskontirebuli finansurivaldebulebebi 177,650 91,114 56,234 150 325,178finansuri valdebulebebi2009 wlis 31 dekembris mdgomareobiT(damatebiT warmodgenili)3 Tvezenaklebi3-dan 12Tvemde1-dan 5wlamde5 wliszemoTjamivaldebulebebi sakreditodawesebulebebis mimarT 39,951 32,585 – 12,773 85,309momxmareblebisaTvis gadasaxdeli Tanxebi 146,891 52,960 40,186 172 240,209sxva finansuri valdebulebebi 21,747 333 333 – 22,413jamuri aradiskontirebuli finansurivaldebulebebi 208,589 85,878 40,519 12,945 347,931qvemoT mocemuli cxrili gviCvenebs sakontraqto vadis amowurvas jgufis finansuri valdebulebebisa dapirobiTi valdebulebebis vadis amowurvis mixedviT. TiToeuli gamouyenebeli sesxis gacemis pirobiTivaldebuleba Setanilia im uaxloesi TariRiT, rodesac SesaZlebeli gaxdeba misi gamoyeneba. dadebulifinansuri sagarantio kontraqtebis SemTxvevaSi, garantiis maqsimaluri Tanxa nawildeba im ualoesperiodze, rodesac SesaZlebeli iqneba garantiis gamoTxovna.3 Tvezenaklebi3-dan 12Tvemde1-dan 5wlamde5 wliszemoT2009 4,125 4,994 11,816 2,399 23,3342008 11,333 6,375 12,936 706 31,350jgufis varaudiT SesaZloa yvela pirobiTi valdebuleba an uzrunvelyofa ar iqnas gamoyenebulivaldebulebebis vadis amowurvamde.vadis amowurvis analizi ar asaxavs mimdinare angariSebis istoriul stabilurobas. maTi likvidaciaistoriulad ganxorcielda ufro xangrZlivi periodis ganmavlobaSi vidre zemoaRweril cxrilebSi. esnaSTebi gaTvaliswinebulia gadasaxdel TanxebSi sam Tveze nakleb periodSi.sabazro riskisabazro riski aris riski imisa, rom finansuri instrumentebis fuladi saxsrebis samomavlo moZraoba, ansamarTliani Rirebuleba Seicvleba iseTi sabazro cvlilebebis Sedegad, rogorebicaa saprocentoganakveTebi, ucxouri valutis kursi da aqciebis fasebi. jgufi axorcielebs sabazro riskisklasificirebas savaWro an ara-savaWro portfelebad. savaWro da ara-sabaWro portfelebis poziciebiimarTeba da mowmdeba sxva analizebis gamoyenebiT. ucxour valutaSi koncentraciis garda, jgufs araqvs sabazro riskis araviTari mniSvnelovani koncentracia.jami48