s. s. “saqarTvelos banki” da misi Svilobili kompaniebis jgufi
s. s. “saqarTvelos banki” da misi Svilobili kompaniebis jgufi
s. s. “saqarTvelos banki” da misi Svilobili kompaniebis jgufi
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s. s. <strong>“saqarTvelos</strong> <strong>banki”</strong><br />
<strong>da</strong> <strong>misi</strong> <strong>Svilobili</strong> <strong>kompaniebis</strong> <strong>jgufi</strong><br />
konsolidirebuli Sualeduri<br />
finansuri angariSgeba<br />
2011 <strong>da</strong> 2010 wlebis 30 ivnisis mgomareobiT<br />
warmodgenili angariSgeba efuZneba s. s. <strong>“saqarTvelos</strong> bankisa” <strong>da</strong> <strong>misi</strong><br />
<strong>Svilobili</strong> <strong>kompaniebis</strong> <strong>jgufi</strong>s finansuri angariSgebis saerTaSoriso<br />
stan<strong>da</strong>rtebis Sesabamisad momzadebul angariSebs<br />
2011 wlis 26 agvisto
konsolidirebuli sabalanse angariSgebebi<br />
2011 wlis 30 ivnisis <strong>da</strong> 2010 wlis 31 dekembris mdgomareobiT<br />
(Tanxebi warmodgenilia aTas larebSi)<br />
konsolidirebuli sabalanse angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 31 dekemberi<br />
fuli <strong>da</strong> fuladi ekvivalentebi 338,408 611,584<br />
moTxovnebi sakredito <strong>da</strong>wesebulebebis mimarT 308,067 116,469<br />
klientebze gacemuli sesxebi (SeniSvna 4) 2,375,110 2,351,697<br />
moTxovnebi finansuri ijari<strong>da</strong>n 64,791 14,419<br />
sainvesticio fasiani qaRaldebi:<br />
- gasayi<strong>da</strong>d arsebuli 404,317 294,940<br />
- <strong>da</strong>farvis va<strong>da</strong>mde flobili 21 21<br />
investiciebi mokavSire sawarmoebSi 3,758 5,632<br />
sainvesticio qoneba 99,353 113,496<br />
ZiriTadi saSualebebi 278,429 285,852<br />
`gudvili~ 56,212 69,212<br />
sxva aramaterialuri aqtivebi 21,741 22,390<br />
mimdinare mogebis ga<strong>da</strong>saxadis aqtivebi 7,584 2,247<br />
ga<strong>da</strong>vadebuli mogebis ga<strong>da</strong>saxadis aqtivebi 13,390 18,178<br />
winaswari ga<strong>da</strong>xdebi 27,845 23,365<br />
sxva aqtivebi 124,298 75,420<br />
sul aqtivebi 4,123,324 4,004,922<br />
valdebulebebi meanabreTa winaSe (SeniSvna 5) 2,228,505 2,026,308<br />
valdebulebebi sakredito <strong>da</strong>wesebulebebis winaSe (SeniSvna 6) 986,592 1,138,927<br />
mimdinare mogebis ga<strong>da</strong>saxadis valdebulebebi 130 4,251<br />
ga<strong>da</strong>vadebuli mogebis ga<strong>da</strong>saxadis valdebulebebi 23,853 30,901<br />
anaricxebi 8 4,407<br />
sxva valdebulebebi 132,475 106,787<br />
sul valdebulebebi 3,371,563 3,311,581<br />
sawesdebo kapitali 31,360 31,345<br />
<strong>da</strong>matebiT Setanili kapitali 478,555 477,285<br />
saxazino aqciebi (1,428) (1,510)<br />
sxva rezervebi 28,063 26,816<br />
gaunawilebeli mogeba 190,749 130,314<br />
bankis aqcionerebis mTliani kapitali 727,299 664,250<br />
kontrolis armqone pirTa wili 24,462 29,091<br />
sul kapitali 751,761 693,341<br />
sul valdebulebebi <strong>da</strong> kapitali 4,123,324 4,004,922<br />
generaluri direqtori<br />
finansuri direqtori<br />
irakli gilauri<br />
<strong>da</strong>viT vaxtangiSvili<br />
2011 wlis 26 agvisto<br />
1
mogeba-zaralis konsolidirebuli angariSgebebi<br />
2011 <strong>da</strong> 2010 wlebis 30 ivnisiT <strong>da</strong>srulebuli eqvsi TvisaTvis<br />
(Tanxebi warmodgenilia aTas larebSi)<br />
mogeba-zaralis konsolidirebuli angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 30 ivnisi<br />
(araaudirebuli)<br />
saprocento Semosavali<br />
klientebze gacemuli sesxebi 211,466 185,968<br />
sainvesticio fasiani qaRaldebi – gasayi<strong>da</strong>d arsebuli 18,352 450<br />
moTxovnebi sakredito <strong>da</strong>wesebulebebis mimarT 7,669 4,894<br />
moTxovnebi finansuri ijari<strong>da</strong>n 1,722 2,136<br />
sainvesticio fasiani qaRaldebi – <strong>da</strong>farvis va<strong>da</strong>mde flobili – 6,999<br />
239,209 200,447<br />
saprocento xarji<br />
valdebulebebi meanabreTa winaSe (75,628) (54,737)<br />
valdebulebebi sakredito <strong>da</strong>wesebulebebis winaSe (50,215) (44,861)<br />
(125,843) (99,598)<br />
wmin<strong>da</strong> saprocento Semosavali 113,366 100,849<br />
Semosavali gasamrjelo<strong>da</strong>n <strong>da</strong> sako<strong>misi</strong>o<strong>da</strong>n 43,636 33,641<br />
gasamrjelo <strong>da</strong> sako<strong>misi</strong>o xarji (9,666) (6,349)<br />
wmin<strong>da</strong> Semosavali gasamrjelo<strong>da</strong>n <strong>da</strong> sako<strong>misi</strong>o<strong>da</strong>n 33,970 27,292<br />
wmin<strong>da</strong> gamomuSavebuli sa<strong>da</strong>zRvevo premiebi 23,123 21,827<br />
sa<strong>da</strong>zRvevo sarCelebi<strong>da</strong>n wmin<strong>da</strong> anazRaurebuli Tanxa (14,027) (13,449)<br />
wmin<strong>da</strong> sa<strong>da</strong>zRvevo Semosavali 9,096 8,378<br />
savaWro fasiani qaRaldebi<strong>da</strong>n <strong>da</strong> gasayi<strong>da</strong>d arsebuli sainvesticio<br />
fasiani qaRaldebi<strong>da</strong>n miRebuli wmin<strong>da</strong> mogeba<br />
732 2,140<br />
wmin<strong>da</strong> mogeba (<strong>da</strong>nakargi) warmoebuli finansuri instrumentebi<strong>da</strong>n 2,492 (5,216)<br />
sainvesticio qonebis ga<strong>da</strong>fasebi<strong>da</strong>n miRebuli wmin<strong>da</strong> mogeba – 3,082<br />
uxouri valuti<strong>da</strong>n miRebuli wmin<strong>da</strong> mogeba (zarali):<br />
- vaWrobi<strong>da</strong>n 21,112 15,747<br />
- sakurso sxvaobebi 22,299 431<br />
sxva saoperacio Semosavali 12,762 8,173<br />
sxva saoperacio ara saprocento Semosavali 59,397 24,357<br />
Semosavali 215,829 160,876<br />
xelfasebi <strong>da</strong> TanamSromelTa sxva Semosavali (SeniSvna 7) (57,722) (52,757)<br />
saerTo <strong>da</strong> administraciuli xarjebi (SeniSvna 7) (30,582) (28,433)<br />
cveTa <strong>da</strong> amortizacia (12,941) (13,314)<br />
sxva saoperacio xarji (4,701) (2,988)<br />
sxva saoperacio ara saprocento xarji (105,946) (97,492)<br />
saoperacio Semosavali sakredito riskis xarjamde 109,883 63,384<br />
2
mogeba-zaralis konsolidirebuli angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 30 ivnisi<br />
(araaudirebuli)<br />
saoperacio Semosavali sakredito riskis xarjamde 109,883 63,384<br />
klientebze gacemuli sesxebis gaufasurebis <strong>da</strong>naricxi (11,331) (23,878)<br />
finansuri ijari<strong>da</strong>n moTxovnebze gaufasurebis (<strong>da</strong>naricxi) Sebruneba (171) 592<br />
gaufasurebis Sebruneba sxva aqtivebze <strong>da</strong> anaricxebze 3,240 3,331<br />
sakredito riskis xarji (8,262) (19,955)<br />
wmin<strong>da</strong> saoperacio Semosavali 101,621 43,429<br />
gudvilis gaufasurebis xarji (13,000) –<br />
mokavSire sawarmoebis zaralis wili (251) –<br />
sxva arasaoperacio xarji (5,452) (795)<br />
arasaoperacio xarji (5,703) (795)<br />
mogeba mogebis ga<strong>da</strong>saxadis xarjamde SenarCunebul operaciebze 82,918 42,634<br />
mogebis ga<strong>da</strong>saxadis xarji (6,926) (6,289)<br />
periodis mogeba SenarCunebul operaciebze 75,992 36,345<br />
wmin<strong>da</strong> <strong>da</strong>nakargi Sewyvetil operaciebze (12,247) –<br />
periodis mogeba 63,745 36,345<br />
gankuTvnili:<br />
- bankis aqcionerebisaTvis 63,645 36,248<br />
- kontrolis armqone pirebisaTvis 100 97<br />
63,745 36,345<br />
mogeba erT aqciaze:<br />
- bazisuri mogeba erT aqciaze 2.1262 1.2046<br />
- ganzavebuli mogeba erT aqciaze 2.0178 1.1996<br />
mogeba erT aqciaze SenarCunebuli operaciebi<strong>da</strong>n:<br />
- bazisuri mogeba erT aqciaze SenarCunebuli operaciebi<strong>da</strong>n 2.5353 1.2046<br />
- ganzavebuli mogeba erT aqciaze SenarCunebuli operaciebi<strong>da</strong>n 2.3844 1.1996<br />
3
sruli Semosavlis konsolidirebuli angariSgeba<br />
2011 <strong>da</strong> 2010 wlebis 30 ivnisiT <strong>da</strong>srulebuli eqvsi TvisaTvis<br />
(Tanxebi warmodgenilia aTas larebSi)<br />
Sruli Semosavlis konsolidirebuli angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 30 ivnisi<br />
(araaudirebuli)<br />
periodis mogeba SenarCunebul operaciebze 75,992 36,345<br />
wmin<strong>da</strong> <strong>da</strong>nakargi Sewyvetil operaciebze (12,247) –<br />
periodis mogeba 63,745 36,345<br />
sxva sruli Semosavali<br />
– ZiriTadi saSualebebis ga<strong>da</strong>faseba 7,479 320<br />
– gasayi<strong>da</strong>d arsebuli fasiani qaraldebis ga<strong>da</strong>faseba 781 550<br />
– gasayi<strong>da</strong>d arsebul fasian qaRaldebze realizebuli mogeba<br />
reklasificirebuli konsolidirebuli mogeba-zaralis<br />
(579) –<br />
angariSgebaSi<br />
– savaluto sxvaobebiT gamowveuli (zarali) mogeba (42,050) 10,380<br />
– ararealizebuli mogeba arsebul Svilobil kompaniebSi aqciaTa<br />
ganzavebi<strong>da</strong>n<br />
124 –<br />
– ararealizebuli mogeba arsebul Svilobil kompaniebSi<br />
<strong>da</strong>matebiT SeZenili aqciebi<strong>da</strong>n<br />
– 4,487<br />
– sxva sruli Semosavlebis komponentebTan <strong>da</strong>kavSirebuli mogebis<br />
ga<strong>da</strong>saxadi<br />
3,299 (163)<br />
sxva sruli (zarali) Semosavali periodis ganmavlobaSi<br />
SenarCunebul operaciebze, ga<strong>da</strong>saxadebis gamoqviTvis<br />
gaTvaliswinebiT<br />
(30,946) 15,574<br />
sxva sruli Semosavali Sewyvetil operaciebze 24,254 –<br />
sxva sruli (zarali) Semosavali periodis ganmavlobaSi, ga<strong>da</strong>saxadis<br />
gamoqviTvis gaTvaliswinebiT<br />
(6,692) 15,574<br />
sul sruli Semosavali periodis ganmavlobaSi SenarCunebul<br />
operaciebze<br />
45,046 51,919<br />
sul sruli Semosavali periodis ganmavlobaSi Sewyvetil<br />
operaciebze<br />
12,007 –<br />
sul sruli Semosavali periodis ganmavlobaSi 57,053 51,919<br />
gankuTvnili:<br />
– bankis aqcionerebisTvis 61,682 51,822<br />
– kontrolis armqone pirebisaTvis (4,629) 97<br />
57,053 51,919<br />
4
aqcionerTa kapitalSi cvlilebebis angariSgebebi<br />
2011 <strong>da</strong> 2010 wlebis 30 ivnisiT <strong>da</strong>srulebuli eqvsi TvisaTvis<br />
(Tanxebi warmodgenilia aTas larebSi)<br />
naSTi 2010 wlis 31<br />
dekembers<br />
saaqcio<br />
kapital<br />
i –<br />
gamoSvebuli<br />
Cveulebrivi<br />
aqciebi<br />
nominals<br />
zeviT<br />
ga<strong>da</strong>xdili<br />
kapitali<br />
gamosyiduli<br />
sakuTari<br />
aqciebi<br />
ga<strong>da</strong>fasebisa<br />
<strong>da</strong><br />
sxva<br />
rezervebi<br />
gaunawilebeli<br />
mogeba<br />
aqcionerTa<br />
kapitali<br />
umciresobis<br />
wilis<br />
<strong>da</strong>matebamde<br />
umciresobis<br />
wili<br />
sul<br />
aqcionerTa<br />
kapitali<br />
31,345 477,285 (1,510) 26,816 130,314 664,250 29,091 693,341<br />
sul sruli Semosavali – – – 3,140 58,542 61,682 (4,629) 57,053<br />
ga<strong>da</strong>fasebis rezervis<br />
cveTa, ga<strong>da</strong>saxadebis<br />
– – – (1,893) 1,893 – – –<br />
gaTvaliswinebiT<br />
wilobrivi ga<strong>da</strong>xdebis<br />
Sedegad warmoqmnili<br />
15 2,103 112 – – 2,230 – 2,230<br />
aqciebis zr<strong>da</strong><br />
saxazino aqciebis<br />
gayidva<br />
– 18,415 603 – – 19,018 – 19,018<br />
saxazino aqciebis<br />
Sesyidva<br />
– (19,248) (633) – – (19,881) – (19,881)<br />
naSTi 2011 wlis 30 ivniss 31,360 478,555 (1,428) 28,063 190,749 727,299 24,462 751,761<br />
naSTi 2009 wlis 31<br />
dekembers<br />
saaqcio<br />
kapitali<br />
–<br />
gamoSvebuli<br />
Cveulebrivi<br />
aqciebi<br />
nominals<br />
zeviT<br />
ga<strong>da</strong>xdili<br />
kapitali<br />
gamosyiduli<br />
sakuTari<br />
aqciebi<br />
ga<strong>da</strong>fasebisa<br />
<strong>da</strong><br />
sxva<br />
rezervebi<br />
gaunawilebeli<br />
mogeba<br />
aqcionerTa<br />
kapitali<br />
umciresobis<br />
wilis<br />
<strong>da</strong>matebamde<br />
umciresobis<br />
wili<br />
sul<br />
aqcionerTa<br />
kapitali<br />
31,306 478,779 (1,677) 24,387 46,163 578,958 19,459 598,417<br />
sul sruli Semosavali – – – 26,084 25,738 51,822 97 51,919<br />
ga<strong>da</strong>fasebis rezervis<br />
cveTa, ga<strong>da</strong>saxadebis<br />
– – – (540) 540 – – –<br />
gaTvaliswinebiT<br />
wilobrivi ga<strong>da</strong>xdebis<br />
Sedegad warmoqmnili<br />
18 1,971 249 – – 2,238 – 2,238<br />
aqciebis zr<strong>da</strong><br />
arsebul Svilobil<br />
kompaniebSi arasakontrolo<br />
paketis mflobeli<br />
– – – – – – (6,249) (6,249)<br />
aqcionerebis mier<br />
<strong>da</strong>matebiTi wilebis SeZena<br />
<strong>Svilobili</strong> kompaniis<br />
SeZeniT gamowveuli<br />
arasakontrolo paketis<br />
– – – – – – 3,925 3,925<br />
zr<strong>da</strong><br />
saxazino aqciebis<br />
gayidva<br />
– 3,040 236 – – 3,276 – 3,276<br />
saxazino aqciebis<br />
Sesyidva<br />
– (3,565) (199) – – (3,764) – (3,764)<br />
naSTi 2010 wlis 30 ivniss<br />
(araaudirebuli)<br />
31,324 480,225 (1,391) 49,931 72,441 632,530 17,232 649,762<br />
5
fuladi saxsrebis moZraobis konsolidirebuli angariSgebebi<br />
2011 <strong>da</strong> 2010 wlebis 30 ivnisiT <strong>da</strong>srulebuli eqvsi TvisaTvis<br />
(Tanxebi warmodgenilia aTas larebSi)<br />
fuladi saxsrebis moZraobis konsolidirebuli angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 30 ivnisi<br />
(araaudirebuli)<br />
fuladi nakadebi saoperacio saqmianobi<strong>da</strong>n<br />
miRebuli procenti 235,487 199,514<br />
ga<strong>da</strong>xdili procenti (109,550) (83,179)<br />
miRebuli gasamrjelo <strong>da</strong> sako<strong>misi</strong>o 43,636 33,641<br />
ga<strong>da</strong>xdili gasamrjelo <strong>da</strong> sako<strong>misi</strong>o (9,666) (6,349)<br />
savaWro fasiani qaRaldebi<strong>da</strong>n wmin<strong>da</strong> realizebuli mogeba 538 2,140<br />
saivensticio fasiani qaRaldebi<strong>da</strong>n wmin<strong>da</strong> realizebuli mogeba 579 –<br />
ucxouri valutis vaWrobi<strong>da</strong>n wmin<strong>da</strong> realizebuli mogeba 21,112 15,747<br />
klientebze gacemuli gafuWebuli sesxebis amoReba 13,751 15,354<br />
miRebuli sa<strong>da</strong>zRvevo premiebi 23,614 21,827<br />
anazRaurebuli sa<strong>da</strong>zRvevo moTxovnebi (12,420) (13,449)<br />
sxva miRebuli saoperacio Semosavali 9,369 10,580<br />
ga<strong>da</strong>xdili xelfasebi <strong>da</strong> TanamSromelTa sxva Semosavali (56,239) (50,519)<br />
ga<strong>da</strong>xdili saerTo, administraciuli <strong>da</strong> saoperacio xarji (47,639) (32,216)<br />
fuladi nakadebi saoperacio saqmianobi<strong>da</strong>n saoperacio aqtivebsa <strong>da</strong><br />
valdebulebebSi cvlilebebamde<br />
112,572 113,091<br />
wmin<strong>da</strong> (zr<strong>da</strong>) kleba saoperacio aqtivebSi<br />
moTxovnebi sakredito <strong>da</strong>wesebulebebis mimarT (196,481) (13,453)<br />
klientebze gacemuli sesxebi (41,350) (355,383)<br />
moTxovnebi finansuri ijari<strong>da</strong>n (50,549) 4,491<br />
winaswari ga<strong>da</strong>xdebi <strong>da</strong> sxva aqtivebi (5,510) (15,450)<br />
wmin<strong>da</strong> (zr<strong>da</strong>) kleba saoperacio valdebulebebSi<br />
valdebulebebi sakredito <strong>da</strong>wesebulebebis winaSe (149,028) 201,387<br />
valdebulebebi meanabreTa winaSe 206,699 211,638<br />
sxva valdebulebebi (7,530) 2,015<br />
wmin<strong>da</strong> fuladi nakadebi (saoperacio saqmianobaSi) saoperacio<br />
saqmianobebi<strong>da</strong>n mogebis ga<strong>da</strong>saxadis ga<strong>da</strong>x<strong>da</strong>mde<br />
(131,177) 148,336<br />
ga<strong>da</strong>xdili mogebis ga<strong>da</strong>saxadi (7,000) (1,395)<br />
wmin<strong>da</strong> fuladi nakadebi (saoperacio saqmianobaSi) saoperacio<br />
saqmianobebi<strong>da</strong>n<br />
(138,177) 146,941<br />
fuladi nakadebi sainvesticio saqmianobi<strong>da</strong>n<br />
<strong>Svilobili</strong> <strong>kompaniebis</strong> SeZena, miRebuli naRdi fulis gaTvaliswinebiT – 296<br />
<strong>Svilobili</strong> kompaniis gayidvi<strong>da</strong>n miRebuli Semosavali 8,747 –<br />
gasayi<strong>da</strong>d arsebuli sainvesticio fasiani qaRaldebis SeZena (105,091) (17,346)<br />
<strong>da</strong>farvis va<strong>da</strong>mde flobili sainvesticio fasiani qaRaldebis SeZena – (19,042)<br />
mokavSire sawarmoTa investiciebis gayidvi<strong>da</strong>n miRebuli Semosavali 332 2,003<br />
sainvesticio qonebis gayidvi<strong>da</strong>n miRebuli Semosavali 400 –<br />
ZiriTadi saSualebebis <strong>da</strong> aramaterialuri aqtivebis SeZena (34,626) (18,799)<br />
sainvesticio saqmianobebSi gamoyenebuli wmin<strong>da</strong> fuladi saxsrebi (130,238) (52,888)<br />
6
fuladi saxsrebis moZraobis konsolidirebuli angariSgebebi (gagrZeleba)<br />
fuladi saxsrebis moZraobis konsolidirebuli angariSgeba 2011 wlis 2010 wlis<br />
30 ivnisi 30 ivnisi<br />
(araaudirebuli)<br />
fuladi nakadebi finansuri saqmianobi<strong>da</strong>n<br />
saxazino aqciebis SeZena (19,881) (3,764)<br />
saxazino aqciebis gayidva 19,018 3,276<br />
<strong>da</strong>matebiTi wilis SeZena arsebul Svilobil kompaniebSi, miRebuli naRdi<br />
fulis gaTvaliswinebiT<br />
– (6,249)<br />
wmin<strong>da</strong> fuladi nakadebi finansuri saqmianobi<strong>da</strong>n (saqmianobaSi) (863) (6,737)<br />
savaluto kursis efeqti fulsa <strong>da</strong> fulis ekvivalentebze (3,898) 5,487<br />
fulisa <strong>da</strong> fulis ekvivalentebis wmin<strong>da</strong> (kleba) zr<strong>da</strong> (273,176) 92,803<br />
fuli <strong>da</strong> fulis ekvivalentebi, wlis <strong>da</strong>sawyisSi 611,584 357,889<br />
fuli <strong>da</strong> fulis ekvivalentebi, wlis bolos 338,408 450,692<br />
7
SeniSvna 1 – ZiriTadi saqmianoba<br />
ss `saqarTvelos banki~ (`banki~) <strong>da</strong>fuZn<strong>da</strong> 1994 wlis 21 oqtombers, saaqcio<br />
sazogadoebis saxiT (`ss~), saqarTvelos kanonmdeblobis Sesabamisad. banki<br />
funqcionirebs saqarTvelos erovnuli bankis (`seb~; saqarTvelos centraluri<br />
banki) mier 1994 wlis 15 dekembers gacemuli zogadi sabanko licenziis<br />
safuZvelze. banki aris saqarTveloSi, ukrainaSi, belorusiaSi <strong>da</strong> kviprosSi,<br />
registrirebuli kompaniaTa <strong>jgufi</strong>s (`<strong>jgufi</strong>~) saTavo sawarmo. <strong>misi</strong> umTavresi<br />
saqmianobaa sabanko, salizingo, sa<strong>da</strong>zRvevo, sabrokero saqmianobebi, aqtivebisa<br />
<strong>da</strong> qonebis marTvis momsaxurebis gaweva korporaciuli <strong>da</strong> individualuri<br />
klientebisaTvis. banki warmoadgens <strong>jgufi</strong>s mTavar saoperacio erTeuls <strong>da</strong><br />
angariSvaldebulia <strong>jgufi</strong>s umetes saqmianobaze.<br />
banki sazogadoebisgan iRebs depozitebs, gascems kredits, axorcielebs<br />
ga<strong>da</strong>ricxvebs rogorc saqarTvelos farglebSi, ise mis farglebs gareT,<br />
awarmoebs valutis gacvlas. <strong>misi</strong> saTao ofisi mdebareobs saqarTveloSi,<br />
TbilisSi. 2011 wlis 30 ivnisis mdgomareobiT, banks aqvs 143 servis centri<br />
saqarTvelos yvela did qalaqSi (2010: 142). bankis registrirebuli iuridiuli<br />
misamarTia: saqarTvelo, Tbilisi, 0105, puSkinis quCa #3.<br />
2011 wlis 30 ivnisis <strong>da</strong> 2010 wlis 31 dekembris mdgomareobiT, qvemoT<br />
CamoTvlili aqcionerebi flobdnen bankis gamoSvebuli aqciebis 4%-ze mets.<br />
<strong>da</strong>narCeni aqcionerebi individualurad flobdnen gamoSvebuli aqciebis 4%-ze<br />
naklebs.<br />
aqcioneri 30 ivnisi 2011, % 31 dekemberi, 2010, %<br />
Bank of New York (Nominees), Limited 90.96% 90.50%<br />
East Capital Financial Institutions 4.36% 4.36%<br />
sxvebi (cal-calke 4%-ze naklebi) 4.68% 5.14%<br />
jami 100.00% 100.00%<br />
2011 wlis 30 ivnisis mdgomareobiT, sameTvalyureo sabWos <strong>da</strong> direqtorTa<br />
sabWos wevrebi sakuTrebaSi flobdnen bankis 454,355 aqciasa <strong>da</strong> globaluri<br />
sadepozito qviTars (“GDRs”) (1.44%; 2010: 448,232 aqcia <strong>da</strong> GDRs 1.43%).<br />
sameTvalyureo sabWos <strong>da</strong> direqtorTa sabWos wevrebis wilebis ga<strong>da</strong>nawileba<br />
Semdegia:<br />
aqcioneri<br />
30 ivnisi 2011<br />
flobili aqciebi<br />
31 dekemberi 2010<br />
flobili aqciebi<br />
irakli Gilauri 194,379 200,379<br />
sulxan gvalia 58,638 60,638<br />
alan hirsTi 58,261 56,311<br />
avTo namiCeiSvili 34,823 34,823<br />
kaxa kiknaveliZe 24,320 22,509<br />
devid morisoni 17,719 15,351<br />
giorgi WilaZe 14,000 14,333<br />
irakli burdilaZe 12,334 17,504<br />
mixeil gomarTeli 10,634 10,634<br />
al briCi 8,262 6,527<br />
nil janini 11,073 3,945<br />
valis reviSvili * 5,908 –<br />
ian heigi 3,250 1,578<br />
hana loikaneni 754 –<br />
arCil gaCeCilaZe – 3,700<br />
jami 454,355 448,232<br />
• direqtorTa sabWos wevrad <strong>da</strong>iniSna 2011 wlis 3 maiss.<br />
8
SeniSvna 1 – ZiriTadi saqmianoba (gagrZeleba)<br />
sakuTrebaSi arsebuli aqciebis gar<strong>da</strong>, sameTvalyureo sabWosa <strong>da</strong> direqtorTa<br />
sabWos wevrebs mieniWaT 143,500 <strong>da</strong> 1,251,922 globaluri sadepozito qviTrebi<br />
(“GDR”) 2011 wlis pirveli eqvsi Tvisa <strong>da</strong> 2010 wlis pirveli eqvsi Tvis<br />
ganmavlobaSi Sesabamisad. miniWebuli aqciebis realuri ga<strong>da</strong>cema xorcieldeba<br />
sam-wliani periodis ganmavlobaSi. 2011 wlis 30 ivnisis mdgomareobiT,<br />
sameTvalyureo sabWosa <strong>da</strong> direqtorTa sabWos wevrebis sakuTrebaSi arsebuli<br />
281,470 GDR ga<strong>da</strong>cemuli iyo aRniSnuli sqemis safuZvelze <strong>da</strong> Sedgebo<strong>da</strong> (2010<br />
wels: 292,395):<br />
30 ivnisi 2011<br />
ga<strong>da</strong>cemuli<br />
GDRs<br />
31 dekemberi 2010<br />
ga<strong>da</strong>cemuli<br />
GDRs<br />
sameTvalyureo sabWos <strong>da</strong>/an direqtorTa sabWos<br />
wevri<br />
irakli gilauri 192,792 198,792<br />
avTo namiCeiSvili 34,001 34,001<br />
giorgi WilaZe 14,000 14,333<br />
irakli burdilaZe 12,334 17,134<br />
sulxan gvalia 11,801 13,801<br />
mixeil gomarTeli 10,634 10,634<br />
valis reviSvili 5,908 –<br />
arCil gaCeCilaZe – 3,700<br />
jami 281,470 292,395<br />
SeniSvna 2 – momzadebis safuZveli <strong>da</strong> ZiriTadi saaRricxvo<br />
politika<br />
winamdebare konsolidirebuli finansuri angariSgeba momzadebulia finansuri<br />
angariSgebis saerTaSoriso stan<strong>da</strong>rtebis Sesabamisad (`fass~).<br />
Winamdebare konsolidirebuli finansuri angariSgeba warmodgenilia aTas<br />
larSi, gar<strong>da</strong> erT aqciaze <strong>da</strong>Tvlili monacemebisa <strong>da</strong> sxvagvarad aRniSnuli<br />
SemTxvevebisa.<br />
SeniSvna 3 – informacia segmentebis Sesaxeb<br />
menejmentis miznebisaTvis, <strong>jgufi</strong> organizebulia Semdeg biznes segmentad:<br />
• sacalo sabanko saqmianoba (BGB-sa <strong>da</strong> BNB-is sacalo sabanko saqmianobis<br />
gamoklebiT)<br />
• korporaciuli sabanko saqmianoba (BGB-sa <strong>da</strong> BNB-is korporaciuli sabanko<br />
saqmianobis gamoklebiT)<br />
• qonebis marTvis saqmianoba<br />
• korporaciuli centri<br />
• <strong>da</strong>zRveva <strong>da</strong> jan<strong>da</strong>cva<br />
• xelmisawvdomi binebi<br />
• BG Capital<br />
• BNB & BGB<br />
• Liberty Consumer<br />
• sxva<br />
9
SeniSvna 3 – informacia segmentebis Sesaxeb (gagrZeleba)<br />
qvemoT mocemuli cxrili asaxavs saoperacio Semosavals <strong>da</strong> mogebas <strong>da</strong> aqtivebisa <strong>da</strong> valdebulebebis Sesaxeb garkveul<br />
informacias <strong>jgufi</strong>s biznes segmentebTan <strong>da</strong>kavSirebiT, 2011 wlis 30 ivnisiT <strong>da</strong>srulebuli eqvs Tviani periodisaTvis:<br />
korpora-ciuli<br />
sabanko<br />
saqmianoba<br />
strategiuli sinergiuli meoradi<br />
sacalo<br />
korporaciuli<br />
<strong>da</strong> vdomi<br />
<strong>da</strong>zRveva xelmisaw-<br />
qonebis<br />
BG BNB Liberty<br />
sabanko<br />
marTva<br />
Capital & BGB Consumer<br />
saqmianoba<br />
centri jan<strong>da</strong>cva binebi<br />
sxva<br />
kompaniaTa-<br />
Sorisi<br />
gaqviTva<br />
gare saoperacio Semosavali:<br />
wmin<strong>da</strong> saprocento Semosavali (xarji) 37,335 66,914 2,648 – 593 – 86 6,426 (636) – – 113,366<br />
wmin<strong>da</strong> gasamrjelo <strong>da</strong> sako<strong>misi</strong>o 9,210 22,520 305 – 33 – 1,493 409 – – – 33,970<br />
ucxouri valuti<strong>da</strong>n wmin<strong>da</strong> Semosavali (xarji) 21,527 12,332 375 – (592) 47 (121) 10,030 (187) – – 43,411<br />
sxva gare (xarjebi) Semosavlebi (3,371) (3,919) (86) – 13,610 698 338 13,889 3,923 – – 25,082<br />
saoperacio (zarali) mogeba sxva segmentebi<strong>da</strong>n 4,957 727 – – (257) 233 142 (206) – (90) (5,506) –<br />
sul saoperacio Semosavali (xarji) 69,658 98,574 3,242 – 13,387 978 1,938 30,548 3,100 (90) (5,506) 215,829<br />
sul<br />
saprocento Semosavlis mqone aqtivebze<br />
gaufasurebis <strong>da</strong>naricxi (Sebruneba)<br />
13,160 (4,516) (732) – – – – 3,617 – – (27) 11,502<br />
Sedegebi<br />
mogeba (zarali) saga<strong>da</strong>saxado xarjamde<br />
SenarCunebuli operaciebi<strong>da</strong>n<br />
34,792 53,401 2,114 (13,000) 2,829 316 (679) 6,079 (2,871) (90) 27 82,918<br />
mogebis ga<strong>da</strong>saxadis xarji (6,926)<br />
wmin<strong>da</strong> <strong>da</strong>nakargi Sewyvetil operaciebze (12,247)<br />
wliuri mogeba 63,745<br />
aqtivebi <strong>da</strong> valdebulebebi<br />
segmentis aqtivebi 2,025,563 1,852,594 27,899 13,577 95,148 37,511 23,072 134,853 41,662 – (149,529) 4,102,350<br />
gaunawilebeli aqtivebi 20,974<br />
sul aqtivebi 4,123,324<br />
segmentis valdebulebebi 1,673,997 1,288,317 304,374 – 70,611 9,055 47,105 91,487 12,163 – (149,529) 3,347,580<br />
gaunawilebeli valdebulebebi 23,983<br />
sul valdebulebebi 3,371,563<br />
sxva informacia segmentebis Sesaxeb<br />
ZiriTadi saSualebebi 9,167 15,390 289 – 4,381 2,639 32 721 697 – – 33,316<br />
aramaterialuri aqtivebi 1,842 3,103 58 – 9 14 12 115 2 – – 5,155<br />
kapitaluri <strong>da</strong>naxarjebi: 11,009 18,493 347 – 4,390 2,653 44 836 699 – – 38,471<br />
cveTa 3,522 6,283 110 – 361 25 73 347 508 – – 11,229<br />
amortizacia 509 1,099 16 – 14 – 8 66 – – – 1,712<br />
gaufasureba – – – 13,000 – – – – – – – 13,000<br />
investiciebi asocirebul kompaniebSi – – – – – – – – 3,758 – – 3,758<br />
asocirebuli <strong>kompaniebis</strong> zaralSi wili – – – – – – – – (251) – – (251)<br />
10
SeniSvna 3 – informacia segmentebis Sesaxeb (gagrZeleba)<br />
qvemoT mocemuli cxrili asaxavs saoperacio Semosavals <strong>da</strong> mogebas <strong>da</strong> aqtivebisa <strong>da</strong> valdebulebebis Sesaxeb garkveul<br />
informacias <strong>jgufi</strong>s biznes segmentebTan <strong>da</strong>kavSirebiT, 2010 wlis 30 ivnisiT <strong>da</strong>srulebuli eqvs Tviani periodisaTvis<br />
(araaudirebuli) <strong>da</strong> 2010 wlis 31 dekembris mdgomareobiT:<br />
korpora-ciuli<br />
sabanko<br />
saqmianoba<br />
strategiuli sinergiuli meoradi<br />
sacalo<br />
korporaciuli<br />
<strong>da</strong> vdomi<br />
<strong>da</strong>zRveva xelmisaw-<br />
qonebis<br />
BG BNB Liberty<br />
sabanko<br />
marTva<br />
Capital & BGB Consumer<br />
saqmianoba<br />
centri jan<strong>da</strong>cva binebi<br />
kompaniaTa-<br />
Sorisi<br />
gaqviTva<br />
gare saoperacio Semosavali:<br />
wmin<strong>da</strong> saprocento Semosavali (xarji) 35,742 52,212 1,372 – 305 (11) 249 10,994 (14) – – 100,849<br />
wmin<strong>da</strong> gasamrjelo <strong>da</strong> sako<strong>misi</strong>o 7,196 18,692 202 – 152 (367) 148 1,266 3 – – 27,292<br />
ucxouri valuti<strong>da</strong>n wmin<strong>da</strong> Semosavali (xarji) 10,378 3,716 442 – 615 37 220 667 103 – – 16,178<br />
sxva gare Semosavlebi (149) (1,311) 14 – 9,327 2,024 2,363 214 4,075 – – 16,557<br />
saoperacio mogeba (zarali) sxva segmentebi<strong>da</strong>n 5,742 239 – – 150 (1,801) (350) 178 (458) 832 (4,532) –<br />
sul saoperacio Semosavali (xarji) 58,909 73,548 2,030 – 10,549 (118) 2,630 13,319 3,709 832 (4,532) 160,876<br />
sxva<br />
sul<br />
saprocento Semosavlis mqone aqtivebze<br />
gaufasurebis <strong>da</strong>naricxi (Sebruneba)<br />
3,051 21,210 (2,507) – – – – 865 – – 667 23,286<br />
Sedegebi<br />
mogeba (zarali) saga<strong>da</strong>saxado xarjamde 35,804 4,977 2,605 – 2,270 (3,926) 1,394 (455) (200) 832 (667) 42,634<br />
mogebis ga<strong>da</strong>saxadis xarji (6,289)<br />
wliuri mogeba 36,345<br />
aqtivebi <strong>da</strong> valdebulebebi<br />
segmentis aqtivebi 1,745,431 1,746,185 43,083 28,265 83,380 28,448 20,013 342,353 44,765 – (97,426) 3,984,497<br />
gaunawilebeli aqtivebi 20,425<br />
sul aqtivebi 4,004,922<br />
segmentis valdebulebebi 1,552,368 1,176,859 261,638 – 61,542 3,193 41,435 264,069 12,751 – (97,426) 3,276,429<br />
gaunawilebeli valdebulebebi 35,152<br />
sul valdebulebebi 3,311,581<br />
sxva informacia segmentebis Sesaxeb<br />
ZiriTadi saSualebebi 4,693 4,862 167 – 2,151 168 142 6,710 2,101 – – 20,994<br />
aramaterialuri aqtivebi 1,749 1,757 62 – 25 7 3 204 3,404 – – 7,211<br />
kapitaluri <strong>da</strong>naxarjebi: 6,442 6,619 229 – 2,176 175 145 6,914 5,505 – – 28,205<br />
cveTa 5,037 4,990 179 – 304 101 58 595 436 – – 11,700<br />
amortizacia 660 877 24 – 14 – 9 29 1 – – 1,614<br />
investiciebi asocirebul kompaniebSi – – – – – – – – 5,632 – – 5,632<br />
asocirebuli <strong>kompaniebis</strong> zaralSi wili – – – – – – – – – – – –<br />
11
SeniSvna 3 – informacia segmentebis Sesaxeb (gagrZeleba)<br />
geografiuli informacia<br />
<strong>jgufi</strong> funqcionirebs sam ZiriTad geografiul bazarze: (a) saqarTvelo <strong>da</strong> (b)<br />
ukraina <strong>da</strong> kviprosi <strong>da</strong> (g) belorusia. Semdegi cxrili asaxavs <strong>jgufi</strong>s gare<br />
Semosavlis, mTliani aqtivebis <strong>da</strong> kapitaluri <strong>da</strong>naxarjebis ganawilebas<br />
geografiuli segmentis mixedviT, rac ganawilebulia <strong>jgufi</strong>s aqtivebis<br />
adgilmdebareobaze <strong>da</strong>yrdnobiT, 2010 wlis 30 ivnisiT <strong>da</strong>srulebuli eqvs Tviani<br />
periodisaTvis:<br />
saqarTvelo<br />
30 ivnisi 2011<br />
ukraina <strong>da</strong><br />
kviprosi<br />
30 ivnisi 2011<br />
belorusia<br />
30 ivnisi 2011<br />
jami 30<br />
ivnisi 2011<br />
gare Semosavali<br />
wmin<strong>da</strong> saprocento Semosavali 106,945 447 5,974 113,366<br />
wmin<strong>da</strong> Semosavali gasamrjelo<strong>da</strong>n<br />
32,514 1,188 268 33,970<br />
<strong>da</strong> sako<strong>misi</strong>o<strong>da</strong>n<br />
wmin<strong>da</strong> Semosavlebi ucxouri<br />
valuti<strong>da</strong>n<br />
46,465 85 (3,139) 43,411<br />
sxva arasaprocento Semosavali (2,523) 664 26,941 25,082<br />
sul gare Semosavali 183,401 2,384 30,044 215,829<br />
sul aqtivebi 3,963,387 25,082 134,855 4,123,324<br />
kapitaluri <strong>da</strong>naxarjebi 37,594 41 836 38,471<br />
Semdegi cxrili asaxavs <strong>jgufi</strong>s gare Semosavlis, mTliani aqtivebis <strong>da</strong><br />
kapitaluri <strong>da</strong>naxarjebis ganawilebas geografiuli segmentebis mixedviT, rac<br />
ganawilebulia <strong>jgufi</strong>s aqtivebis adgilmdebareobaze <strong>da</strong>yrdnobiT, 2010 wlis 30<br />
ivnisiT <strong>da</strong>srulebuli eqvs Tviani periodisaTvis <strong>da</strong> 2010 wlis 31<br />
dekembrisaTvis:<br />
saqarTvelo<br />
30 ivnisi 2009<br />
(araaudirebuli)<br />
ukraina <strong>da</strong><br />
kviprosi<br />
30 ivnisi 2009<br />
(araaudirebuli)<br />
belorusia<br />
30 ivnisi 2009<br />
(araaudirebuli)<br />
jami 30<br />
ivnisi 2009<br />
(araaudirebuli)<br />
gare Semosavali<br />
wmin<strong>da</strong> saprocento Semosavali 89,834 6,488 4,527 100,849<br />
wmin<strong>da</strong> Semosavali gasamrjelo<strong>da</strong>n<br />
25,519 1,120 653 27,292<br />
<strong>da</strong> sako<strong>misi</strong>o<strong>da</strong>n<br />
wmin<strong>da</strong> Semosavlebi ucxouri<br />
valuti<strong>da</strong>n<br />
15,507 121 550 16,178<br />
sxva arasaprocento Semosavali 13,708 2,702 147 16,557<br />
sul gare Semosavali 144,568 10,431 5,877 160,876<br />
sul aqtivebi 3,664,312 235,582 105,028 4,004,922<br />
kapitaluri <strong>da</strong>naxarjebi 22,682 5,128 395 28,205<br />
12
SeniSvna 4 – klientebze gacemuli sesxebi<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
komerciuli sesxebi 1,362,854 1,424,550<br />
samomxmareblo sesxebi 428,596 383,615<br />
ipoTekuri sesxebi 358,049 409,786<br />
mikro sesxebi 273,359 238,462<br />
salombarde sesxebi 73,703 66,749<br />
sxva 247 4,071<br />
klientebze gacemuli sesxebi, bruto 2,496,808 2,527,233<br />
minus – sesxebze SesaZlo <strong>da</strong>nakargebis rezervi (121,698) (175,536)<br />
klientebze gacemuli sesxebi, neto 2,375,110 2,351,697<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
fizikuri pirebi 1,010,565 1,006,046<br />
vaWroba <strong>da</strong> momsaxureba 867,454 858,878<br />
mSenebloba <strong>da</strong> developmenti 274,659 274,623<br />
samTo <strong>da</strong> ma<strong>da</strong>n mompovebeli 123,198 137,583<br />
transporti <strong>da</strong> komunikacia 90,149 77,792<br />
energetika 58,360 62,424<br />
soflis meurneoba 10,959 18,089<br />
sxva 61,464 91,798<br />
klientebze gacemuli sesxebi, bruto 2,496,808 2,527,233<br />
minus – sesxebze SesaZlo <strong>da</strong>nakargebis rezervi (121,698) (175,536)<br />
klientebze gacemuli sesxebi, neto 2,375,110 2,351,697<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
kerZo kompaniebi 1,450,557 1,488,577<br />
fizikuri pirebi 1,010,565 1,006,046<br />
saxelmwifo seqtori 35,686 32,610<br />
klientebze gacemuli sesxebi, bruto 2,496,808 2,527,233<br />
minus – sesxebze SesaZlo <strong>da</strong>nakargebis rezervi (121,698) (175,536)<br />
klientebze gacemuli sesxebi, neto 2,375,110 2,351,697<br />
13
SeniSvna 5 – valdebulebebi meanabreTa winaSe<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
mimdinare angariSebi 886,122 864,327<br />
vadiani anabrebi 1,193,320 1,140,371<br />
saTamasuqe valdebulebebi 149,063 21,610<br />
valdebulebebi meanabreTa winaSe 2,228,505 2,026,308<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
kerZo kompaniebi 1,065,255 964,150<br />
fizikuri pirebi 888,764 894,312<br />
saxelmwifo seqtori 274,486 167,846<br />
valdebulebebi meanabreTa winaSe 2,228,505 2,026,308<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
fizikuri pirebi 888,764 894,312<br />
vaWroba <strong>da</strong> momsaxureba 560,056 421,138<br />
saxelmwifo seqtori 274,486 167,846<br />
energetika 176,941 256,275<br />
mSenebloba <strong>da</strong> developmenti 150,919 93,827<br />
samTo <strong>da</strong> ma<strong>da</strong>n mompovebeli 86,211 113,283<br />
transporti <strong>da</strong> komunikacia 36,607 35,226<br />
soflis meurneoba 17,550 21,379<br />
sxva 36,971 23,022<br />
valdebulebebi meanabreTa winaSe 2,228,505 2,026,308<br />
SeniSvna 6 – valdebulebebi sakredito <strong>da</strong>wesebulebebis winaSe<br />
30 ivnisi 2011 31 dekemberi<br />
2010<br />
nasesxebi saxsrebi saerTaSoriso sakredito<br />
<strong>da</strong>wesebulebebisgan<br />
813,350 1,003,926<br />
vadiani anabrebi <strong>da</strong> bankTaSorisi sesxebi 170,215 130,284<br />
qve-jami 983,565 1,134,210<br />
sakorespondento angariSebi 3,027 4,717<br />
valdebulebebi sakredito <strong>da</strong>wesebulebebis winaSe 986,592 1,138,927<br />
14
SeniSvna 7 – xelfasebi <strong>da</strong> TanamSromelTa sxva Semosavali, <strong>da</strong><br />
saerTo <strong>da</strong> administraciuli xarjebi<br />
30 ivniss <strong>da</strong>srulebuli eqvsi<br />
TvisaTvis<br />
2011 2010<br />
xelfasebi <strong>da</strong> bonusebi 56,805 51,019<br />
socialuri usafrTxoebis xarjebi 917 1,738<br />
sul xelfasebi <strong>da</strong> TanamSromelTa sxva Semosavali 57,722 52,757<br />
marketingi <strong>da</strong> reklama 7,079 5,139<br />
ijaris xarjebi 4,318 5,157<br />
SekeTebis xarjebi 3,322 2,650<br />
iuridiuli <strong>da</strong> sxva profesiuli momsaxurebis xarjebi 2,757 2,427<br />
saoperacio ga<strong>da</strong>saxadebi 2,364 1,923<br />
komunikaciebi 2,157 2,418<br />
saofise maragebi 1,778 1,518<br />
samogzauro xarjebi 1,252 958<br />
usafrTxoeba 1,180 1,703<br />
korporaciuli maspinZloba <strong>da</strong> garToba 844 485<br />
sabanko momsaxurebebi 377 410<br />
jarimebi 326 38<br />
TanamSromelTa ayvanisa <strong>da</strong> ga<strong>da</strong>mzadebis xarjebi 267 162<br />
<strong>da</strong>zRveva 115 833<br />
sxva 2,446 2,612<br />
saerTo <strong>da</strong> administraciuli xarjebi 30,582 28,433<br />
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