saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi...

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Transcript of saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi...

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saqarTvelos erovnuli banki

monetaruli da sabanko

statistikis biuleteni

ianvari-dekemberi, 2011

Tbilisi

#154

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monetaruli da sabanko statistikis biuleteni warmoadgens saqarTvelos erovnuli bankis sta­tistikur gamocemas. masSi gamoqveynebuli monacemebi moicavs ara marto finansur, aramed realur, samTavrobo da sagareo seqtorebsac.

qveynis sabanko sistemis saqmianobis Sesaxeb informaciis gafarToebis mizniT da axal statistikur wyaroebze dayrdnobiT, biuletenSi regularulad qveyndeba monacemebi rezidentebisa da arareziden­tebis, erovnuli ekonomikis seqtorebisa da saqmianobis saxeebis mixedviT; aseve sakuTriv saangariSo Tvis ganmavlobaSi ganxorcielebuli operaciebis Sesaxeb.

biuletenSi gamoqveynebuli informaciis ZiriTadi wyaroa saqarTvelos erovnuli bankisa da ko­merciuli bankebis mier warmodgenili monacemebi. amasTan, gamoyenebulia agreTve saqarTvelos statis­tikis erovnuli samsaxurisa da saqarTvelos finansTa saministrosa monacemebi.

biuleteni gamodis qarTul da inglisur enebze da yovelTviurad qveyndeba saqarTvelos ero­vnuli bankis vebgverdze: http://www.nbg.ge, xolo wliuri biuleteni, eleqtronulis garda, gamoicema beWduri saxiTac. garda amisa, erovnuli bankis vebgverdze “statistikis” rubrikaSi qveyndeba stati­stikur monacemTa mwkrivebis farTo speqtri. maTi momxmareblebi arian qveynis saxelmwifo da kerZo struqturebi, akademiuri wreebi da fizikuri pirebi, sazRvargareTis qveynebis centraluri bankebi, saerTaSoriso organizaciebis statistikuri samsaxurebi.

saqarTvelos erovnuli banki

ganmartebiTi SeniSvnebi:zogierT SemTxvevaSi gansxvaveba mTlian jamsa da masSi Semavali komponentebis jams Soris gamowveulia Sesabamisi monacemebis dam­rgvalebiT.biuletenSi gamoyenebulia Semdegi simboloebi:... = monacemebi dazustebis procesSia;0 = nuli an umniSvnelo sidide;x = movlenas adgili ara aqvs;- = monacemebi ar aris.

monetaruli da sabanko statistikis biulete-nis gamoqveynebis kalendari

yovelTviuri wliuri

eleqtronuli versia

www.nbg.ge

30­e dRes saan­gariSo Tvis

damTavrebidan

30­e dRes saan­gariSo wlis

damTavrebidan

nabeWdi versia Xme­60 dRes

saangariSo wlis damTavrebidan

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saredaqcio kolegia:

arCil mestviriSvili

(redaqtori)

nana aslamaziSvili

(pasuxismgebeli

gamocemaze)

eleonora baRaSvili

Tamaz ozbeTelaSvili

irma barbaqaZe

suliko wulaia

gamocemasTan dakavSirebul

sakiTxebze gTxovT

dagvikavSiredeT

saqarTvelos erovnul

bankSi:

0105, Tbilisi, leoniZis, 3/5

tel.: (995 32) 240 6251

faqsi: (995 32) 293 3320

internet - warmomadgenloba:

www.nbg.gov.ge

el­fosta: [email protected]

© saqarTvelos erovnuli

saqarTvelos erovnuli bankis

monetaruli da sabanko statistikis biuleteni

N

gamoicema 1998 wlis seqtembridan

I. ZiriTadi makroekonomikuri maCveneblebi ...................................................5

1.1. socialur­ekonomikuri mdgomareobis ZiriTadi maCveneblebi ....5

1.2. mrewvelobis produqciis mwarmoebelTa fasebis indeqsi .............6

1.3. samomxmareblo fasebis indeqsis dinamika ......................................7

1.4. wliuri inflacia ..............................................................................7

II. monetaruli statistika ..........................................................................................8

2.1. monetaruli koeficientebis dinamika ............................................8

2.2. sarezervo fulis masis moculobisa da struqturis dinamika ...9

2.3. fulis masis agregatebis dinamika ...................................................11

2.4. saqarTvelos erovnuli bankis mimoxilva .......................................13

2.5. sxva depozituri korporaciebis mimoxilva ...................................17

2.6. depozituri korporaciebis mimoxilva ...........................................21

III. komerciuli bankebi .........................................................................................................25

3.1. finansuri seqtoris institutebi ...................................................25

3.2 komerciuli bankebis dajgufeba ganaRdebuli sawesdebo

kapitalis mixedviT ...........................................................................25

3.3 komerciuli bankebis krebsiTi aqtivebisa da pasivebis

dinamika ..............................................................................................26

3.4 komerciuli bankebis saqmianobis finansuri maCveneblebi ...........30

3.5 komerciuli bankebis mier gacemuli sesxebiT davalianebis

moculoba da struqtura .................................................................34

3.6 komerciuli bankebis mier gacemuli vadiani sesxebiT

davalianebis moculoba debitorebis kategoriebis mixedviT .....38

3.7 komerciuli bankebis mier saangariSo periodSi gacemuli

vadiani sesxebi debitorebis kategoriebis mixedviT ....................39

3.8 komerciuli bankebis mier erovnuli valutiT gacemuli

vadiani sesxebiT davalianebis moculoba da saSualo wliuri

Sewonili saprocento ganakveTebi ..................................................40

3.8.1 komerciuli bankebis mier erovnuli valutiT gacemuli

uZravi qonebiT uzrunvelyofili sesxebis moculoba da

saSualo wliuri Sewonili saprocento ganakveTebi .....................41

3.9 komerciuli bankebis mier ucxouri valutiT gacemuli vadiani

sesxebiT davalianebis moculoba da saSualo wliuri Sewonili

saprocento ganakveTebi ...................................................................43

3.9.1 komerciuli bankebis mier ucxouri valutiT gacemuli uZravi

qonebiT uzrunvelyofili sesxebis moculoba da saSualo

wliuri Sewonili saprocento ganakveTebi ....................................44

3.10 komerciuli bankebis mier rezident iuridiul pirebze

gacemuli sesxebiTa da misaRebi procentebiT davalianeba

saqmianobis saxeebis mixedviT ..........................................................46

Sinaarsi

# 154, ianvari­dekemberi, 2011

bankis biuleteniISSN 1512-1747

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3.11 komerciuli bankebis mier saangariSo periodSi rezident iuridiul pirebze gacemuli

vadiani sesxebis moculoba da saprocento ganakveTebi saqmianobis saxeebis mixedviT ................. 47

3.12 komerciuli bankebis mier rezident iuridiul da fizikur pirebze gacemuli sesxebiTa da

misaRebi procentebiT davalianeba ekonomikis seqtorebis mixedviT ............................................... 48

3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ............................. 49

3.14. komerciuli bankebis mier gacemuli samomxmareblo sesxebiT davalianebis moculoba da

saSualo wliuri Sewonili saprocento ganakveTebi ........................................................................... 50

3.15. komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura ............................... 51

3.16. komerciuli bankebis mier erovnuli valutiT moziduli iuridiuli da fizikuri pirebis

depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ............................ 56

3.17. komerciuli bankebis mier ucxouri valutiT moziduli iuridiuli da fizikuri pirebis

depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ............................ 57

3.18. komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozotebi erovnuli

ekonomikis seqtorebis mixedviT ........................................................................................................... 58

3.19. komerciuli bankebis sesxebisa da depozitebis moculoba da saSualo wliuri Sewonili

saprocento ganakveTebi ......................................................................................................................... 59

3.20. komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis ganawileba

maTi moculobebis mixedviT ................................................................................................................... 61

3.21. komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozitebi mflobelTa

kategoriebis mixedviT ........................................................................................................................... 63

3.22. sabazro saprocento ganakveTebis dinamika ......................................................................................... 64

IV. finansuri bazrebi ................................................................................................................................................................................... 66

4.1. komerciuli bankebis mier auqcionis gareSe sxva bankebze erovnuli valutiT gacemuli

sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ............ 66

4.2. komerciuli bankebis mier auqcionis gareSe sxva bankebze ucxouri valutiT gacemuli

sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ............ 67

4.3. mimoqcevaSi arsebuli sadepozito serTifikatebi ............................................................................. 68

4.5. savaluto bazarze aSS dolariT ganxorcielebuli operaciebi ....................................................... 69

4.6. savaluto bazarze evroTi ganxorcielebuli operaciebi ................................................................. 70

4.7. gacvliTi kursebi: aSS dolari/lari .................................................................................................... 71

4.8. gacvliTi kursebi: rusuli rubli/lari .............................................................................................. 72

4.9. gacvliTi kursebi: evro/lari ............................................................................................................... 73

4.10. gacvliTi kursebi: Turquli lira/lari .............................................................................................. 74

4.11. realuri efeqturi gacvliTi kursis dinamika .................................................................................... 75

4.12. nominaluri efeqturi gacvliTi kursi ................................................................................................ 75

V. sagareo seqtori ................................................................................................................................................................................. 76

5.1 mTliani saerTaSoriso rezervebi ......................................................................................................... 76

5.2 saqarTvelos saxelmwifo sagareo vali ................................................................................................ 77

5.3 saqarTvelos sagadasaxdelo balansi ................................................................................................... 79

5.4 saqarTvelos sagareo vaWroba ............................................................................................................... 80

5.5 saqarTvelos umsxvilesi sagareo savaWro partniori qveynebi ......................................................... 81

5.6 saqarTvelos umsxvilesi saeqsporto sasaqonlo jgufebi ................................................................ 82

5.7 saqarTvelos umsxvilesi saimporto sasaqonlo jgufebi .................................................................. 82

5.8 eleqtronuli fuladi gzavnilebi ZiriTadi partniori qveynebis mixedviT ................................... 83

danarTi: meTodologiuri komentarebi ............................................................................................................................................ 84

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zomis

erTeuli2008 2009 2010 2011

1. realuri seqtori

nominaluri mTliani Sida produqti mln. lari 19,074.9 17,986.0 20,743.4 17,321.7*

mSp erT sul mosaxleze lari 4,352.9 4,101.3 4,675.7 3,875.8*

mrewvelobis produqciis gamoSveba mln. lari 4,884.9 4,515.7 5,855.3 2,117.8*

soflis meurneobis produqciis gamoSveba mln. lari 2,375.2 2,228.9 2,396.7 1,471.6*

realuri mTliani Sida produqtis zrdis tempi % 102.3 96.2 106.3 106.2*

2. inflacia

samomxmareblo fasebis indeqsi ** % 105.5 103.0 111.2 102.0

xanmokle moxmarebis saqoneli % 105.4 103.2 115.7 101.3

saSualo xangrZlivobis moxmarebis saqoneli % 98.4 92.6 100.9 97.0

xangrZlivi moxmarebis saqoneli % 100.7 94.8 104.2 96.7

momsaxureba % 107.7 105.5 100.9 105.9

3. saxelmwifo biujeti

Semosavali mln. lari 5,517.7 4,917.0 5,421.5 6,444.3

xarji mln. lari 5,554.7 5,367.2 5,466.5 5,825.9

biujetis saoperacio saldo mln. lari -37.0 -450.2 -45.0 618.4

arafinansuri aqtivebis cvlileba mln. lari 324.7 746.8 873.6 849.3

biujetis mTliani saldo [proficiti (+) /

deficiti (-)]mln. lari -361.7 -1,197.0 -918.6 -230.9

procentulad mTlian Sida produqtTan % -1.9 -6.7 -4.4 …

4. dasaqmeba

dasaqmebuli mosaxleobis ricxovnoba aTasi kaci 1,601.9 1,656.1 1628.1 …

umuSevrobis done % 16.5 16.9 16.3 …

5. socialuri indikatorebi

mosaxleobis Tviuri fuladi Semosavali mln.lari 455.2 492.1 567.2 …

mosaxleobis Tviuri fuladi xarji mln.lari 466.6 478.1 497.7 …

daqiravebiT dasaqmebulTa nominaluri saSualo

xelfasilari 534.9 556.8 597.6 687.4*

nominaluri xelfasis zrdis tempi % 145.3 104.1 107.3 112.8*

realuri xelfasis zrdis tempi % 132.1 102.3 100.2 105.7*

I. ZiriTadi makroekonomikuri maCveneblebi

1.1. socialur-ekonomikuri mdgomareobis ZiriTadi maCveneblebi

wyaro: saqarTvelos statistikis erovnuli samsaxuri; saqarTvelos finansTa saministro. SeniSvnebi: *) 9 Tve. **) samomxmareblo fasebis indeqsis bazad aRebulia yoveli wina wlis dekemberi.

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gagrZeleba

zomis

erTeuli2008 2009 2010 2011

saarsebo minimumi (periodis bolosaTvis):

Sromisunariani mamakacisaTvis lari 130.7 126.1 149.6 156.9

saSualo momxmareblisaTvis lari 115.8 111.7 132.5 139.0

saSualo ojaxisaTvis lari 219.3 211.5 250.9 263.3

6. sagareo vaWroba *

eqsporti (FOB) mln. aSS $ 1,495.3 1,133.6 1,583.4 2,189.1

importi (CIF) mln. aSS $ 6,301.5 4,366.1 5,095.1 7,054.3

sagareo savaWro balansi mln. aSS $ -4,806.2 -3,232.5 -3,511.7 -4,865.1

procentulad mTlian Sida produqtTan % -37.5 -30.0 -30.2 …

importis eqsportiT gadafarvis koeficienti % 23.7 26.0 31.1 31.0

7. gacvlis kursebi

oficialuri:

periodis bolosaTvis aSS $/lari 1.6670 1.6858 1.7728 1.6703

saSualod, periodis ganmavlobaSi aSS $/lari 1.4902 1.6705 1.7826 1.6860

wina wlis

dekemberi=100

wina wlis

dekemberi=100

procentuli

cvlileba

wina TvesTan

ianvari 100.8 104.1 4.1

Tebervali 101.8 104.9 0.8

marti 102.1 106.1 1.1

aprili 105.1 106.9 0.7

maisi 107.4 106.8 0.0

ivnisi 108.3 107.0 0.2

ivlisi 107.4 106.8 -0.2

agvisto 110.2 107.0 0.2

seqtemberi 112.4 108.3 1.2

oqtomberi 113.1 108.1 -0.2

noemberi 112.7 108.7 0.5

dekemberi 114.0 107.5 -1.01.1

-0.3

0.6

2.0

2.6

2.2

-0.8

0.8

1.0

0.8

1.1. socialur-ekonomikuri mdgomareobis ZiriTadi maCveneblebi

2.9

0.3

procentuli cvlileba wina

TvesTan

2010

1.2. mrewvelobis produqciis mwarmoebelTa fasebis indeqsi

2011

* Aararegistrirebuli vaWrobis gareSe

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

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wina wlis

dekemberi

=100

procentuli

cvlileba wina

TvesTan

wina wlis

dekemberi

=100

procentuli

cvlileba

wina TvesTan

wina wlis

dekemberi

=100

procentuli

cvlileba

wina TvesTan

wina wlis

dekemberi

=100

procentuli

cvlileba wina

TvesTan

ianvari 102.5 2.5 101.4 1.4 101.1 1.1 102.1 2.1

Tebervali 103.4 0.9 100.0 -1.3 102.6 1.5 104.9 2.8

marti 103.5 0.1 99.6 -0.4 102.4 -0.2 104.9 0.0

aprili 103.8 0.3 100.1 0.5 102.7 0.2 104.8 -0.1

maisi 104.6 0.7 101.3 1.2 102.3 -0.4 105.2 0.4

ivnisi 104.5 -0.1 101.3 0.0 102.0 -0.3 100.9 -4.0

ivlisi 103.2 -1.2 97.9 -3.4 101.8 -0.2 99.3 -1.6

agvisto 106.7 3.4 97.9 0.0 104.1 2.3 100.3 1.1

seqtemberi 105.8 -0.8 100.7 2.8 107.4 3.1 100.9 0.6

oqtomberi 105.3 -0.5 103.0 2.2 109.5 2.0 100.8 -0.2

noemberi 106.0 0.7 103.1 0.2 110.7 1.1 101.4 0.7

dekemberi 105.5 -0.4 103.0 -0.1 111.2 0.5 102.0 0.6

12 Tvis

cvlileba

12 Tv. saS.

cvlileba

12 Tvis

cvlileba

12 Tv. saS.

cvlileba

12 Tvis

cvlileba

12 Tv. saS.

cvlileba

12 Tvis

cvlileba

12 Tv. saS.

cvlileba

ianvari 10.7 9.3 4.4 9.4 2.7 1.6 12.3 7.9

Tebervali 10.9 9.3 2.1 8.7 5.6 1.9 13.7 8.6

marti 12.3 9.5 1.6 7.8 5.8 2.2 13.9 9.3

aprili 12.2 9.8 1.8 6.9 5.6 2.6 13.5 10.0

maisi 11.2 10.2 2.2 6.1 4.0 2.7 14.3 10.8

ivnisi 11.3 10.5 2.3 5.4 3.7 2.8 10.0 11.3

ivlisi 9.8 10.8 0.1 4.6 7.0 3.4 8.5 11.4

agvisto 12.8 11.2 -3.1 3.3 9.5 4.4 7.2 11.2

seqtemberi 10.6 11.3 0.4 2.5 9.8 5.2 4.6 10.8

oqtomberi 7.0 10.9 3.2 2.2 9.6 5.7 2.3 10.1

noemberi 6.3 10.5 2.7 1.9 10.5 6.4 1.9 9.3

dekemberi 5.5 10.0 3.0 1.7 11.2 7.1 2.0 8.5

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

1.4. wliuri inflacia

2011

20112008 2009 2010

1.3. samomxmareblo fasebis indeqsis dinamika

20092008 2010

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

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savalde-

bulo

rezervebi

kombankebis

sakorespon-

dento

angariSebi

seb-Si

naRdi

fuli

komban-

kebSi

kombankebis

rezervebis

saerTo

Tanxa

dolari-

zaciis

koefici-

fulis

multi-

plika-

tori

fulis

multi-

plika-

tori

fulis

mimoqce-

vis

siCqare

fulis

mimoqce-

vis

siCqare

enti (M2) (M3) (M2) (M3)

2010ianvari 3.95 6.21 6.42 16.58 74.47 1.18 2.71Tebervali 3.97 8.47 6.03 18.47 72.74 1.17 2.61marti 3.94 6.64 5.88 16.45 71.27 1.25 2.69 9.33 4.33aprili 3.87 4.48 5.25 13.61 70.41 1.25 2.65maisi 3.82 5.37 5.37 14.55 71.51 1.27 2.73ivnisi 3.87 3.45 4.98 12.30 71.66 1.30 2.81 8.80 4.06ivlisi 3.46 2.80 4.19 10.44 74.60 1.32 3.11agvisto 3.56 2.03 4.37 9.97 74.86 1.32 3.11seqtemberi 5.30 3.65 4.25 13.20 74.57 1.26 3.00 8.41 3.53oqtomberi 5.22 4.68 4.37 14.28 73.59 1.26 2.95noemberi 5.12 4.16 4.52 13.81 70.81 1.32 2.97dekemberi 4.99 3.22 5.00 13.21 72.15 1.32 3.02 7.57 3.31

2011ianvari 10.51 4.08 4.70 19.29 72.64 1.15 2.73

Tebervali 15.34 3.90 4.55 23.80 72.27 1.05 2.48

marti 15.97 2.79 4.39 23.15 72.30 1.09 2.60 9.58 4.02

aprili 15.51 5.23 4.50 25.24 68.00 1.12 2.46

maisi 15.99 4.40 4.35 24.74 69.08 1.12 2.51

ivnisi 15.59 3.66 4.36 23.61 70.12 1.12 2.55 8.80 3.86

ivlisi 15.90 3.59 4.62 24.11 67.72 1.15 2.48

agvisto 15.14 2.60 4.57 22.31 67.42 1.16 2.52

seqtemberi 13.51 5.22 4.74 23.47 68.64 1.16 2.57 8.01 3.62

oqtomberi 13.97 5.58 4.77 24.32 66.87 1.18 2.54

noemberi 13.99 5.00 4.70 23.69 66.30 1.20 2.56

dekemberi 12.72 2.78 5.32 20.81 64.37 1.22 2.54 6.81 3.28

II. monetaruli statistika

2.1. monetaruli koeficientebis dinamika

procentulad komerciuli bankebis

sadepozito valdebulebebTan

(periodis bolos)

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ianv

ari

Teb

erva

li

mar

ti

apr

ili

mais

i iv

nisi

iv

lis

i ag

vist

o

seqt

embe

ri

oqt

omb

eri

noem

ber

id

ekem

ber

i

per

iod

is b

ol

os;

aT

asi

lar

i

2006

989149

1009984

984685

1040715

1026383

1067290

1122798

1111354

1115394

1101880

1270883

1272099

2007

1236050

1239090

1157369

1282871

1407816

1409355

1468365

1561322

1579084

1595492

1615265

1781802

2008

1628390

1689865

1731215

1833538

1821662

1901146

1968946

1716703

1836932

1696369

1475989

1642081

2009

1509846

1469210

1450415

1600698

1629840

1660360

1878566

1863606

1823142

1850711

1794465

1874961

2010

1713536

1796689

1779993

1840471

1794175

1814726

1850494

1871817

1954729

1997837

1975036

2081129

2011

2226104

2430168

2311381

2505956

2432249

2448706

2542648

2621688

2595533

2664581

2566552

2901039

2006

752834

759693

778939

795955

785653

807495

833762

841546

856959

839255

823901

929538

2007

838393

843298

861359

899127

927130

972672

1030849

1070629

1085260

1113966

1143785

1310488

2008

1191848

1228063

1296336

1404910

1354789

1416852

1476249

1449647

1407612

1355782

1253630

1290703

2009

1170745

1145383

1149640

1221119

1187620

1207513

1251466

1303287

1293495

1303035

1315117

1457938

2010

1357686

1356142

1398806

1412001

1431384

1460407

1501064

1530686

1500695

1503652

1487064

1618180

2011

1474969

1443728

1395350

1436103

1429488

1467042

1536990

1581259

1596306

1602717

1555417

1753584

2006

103132

112330

66412

101105

88771

86106

106278

71808

52954

54733

237092

118002

2007

178354

172144

64862

140216

174687

210549

191382

240580

236387

202729

208435

193061

2008

158104

173893

152157

145816

162319

188181

208115

116684

341116

237194

108216

230142

2009

208701

194900

175676

268577

335522

343687

516147

448446

407773

423279

350098

289732

2010

217510

299978

239217

164134

197181

132106

124090

91298

166772

214645

190543

157887

2011

196845

187779

134548

258562

214431

183062

179249

136526

278250

302443

263213

164433

2006

133183

137960

139334

143655

151959

158689

162958

177646

202331

206242

209890

224559

2007

219303

223649

231147

243528

305999

226134

246134

250113

257437

278798

263045

278253

2008

278254

287724

282537

282811

304555

296113

284582

150372

88204

103394

114144

121236

2009

130401

128926

125099

111001

106698

109160

110953

111872

121873

124398

129250

127291

2010

138340

140570

141969

141836

140190

148473

153540

159678

242133

239590

234329

244750

2011

507489

738549

771121

766509

779967

780070

794036

796237

719977

756920

736422

752332

2.2

. sarezervo f

ul

is m

asis m

ocul

obisa d

a s

truqturis d

inamika

Tanxebi b

ankebis s

akorespondento a

ngariSebze

sarezervo f

ul

is m

asa

saval

debul

o r

ezervebi

n

aRdi f

ul

i m

imoqcevaSi

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10

ianv

ari

Teb

erva

li

mar

ti

apr

ili

mais

i iv

nisi

iv

lis

i ag

vist

o

seqt

embe

ri

oqt

omb

eri

noem

ber

id

ekem

ber

i

2006

76.1

75.2

79.1

76.5

76.5

75.7

74.3

75.7

76.8

76.2

64.8

73.1

2007

67.8

68.1

74.4

70.1

65.9

69.0

70.2

68.6

68.7

69.8

70.8

73.5

2008

73.2

72.7

74.9

76.6

74.4

74.5

75.0

84.4

76.6

79.9

84.9

78.6

2009

77.5

78.0

79.3

76.3

72.9

72.7

66.6

69.9

70.9

70.4

73.3

77.8

2010

79.2

75.5

78.6

76.7

79.8

80.5

81.1

81.8

76.8

75.3

75.3

77.8

2011

66.3

59.4

60.4

57.3

58.8

59.9

60.4

60.3

61.5

60.1

60.6

60.4

2006

10.4

11.1

6.7

9.7

8.6

8.1

9.5

6.5

4.7

5.0

18.7

9.3

2007

14.4

13.9

5.6

10.9

12.4

14.9

13.0

15.4

15.0

12.7

12.9

10.8

2008

9.7

10.3

8.8

8.0

8.9

9.9

10.6

6.8

18.6

14.0

7.3

14.0

2009

13.8

13.3

12.1

16.8

20.6

20.7

27.5

24.1

22.4

22.9

19.5

15.5

2010

12.7

16.7

13.4

8.9

11.0

7.3

6.7

4.9

8.5

10.7

9.6

7.6

2011

8.8

7.7

5.8

10.3

8.8

7.5

7.0

5.2

10.7

11.4

10.3

5.7

2006

13.5

13.7

14.2

13.8

14.8

14.9

14.5

16.0

18.1

18.7

16.5

17.7

2007

17.7

18.0

20.0

19.0

21.7

16.0

16.8

16.0

16.3

17.5

16.3

15.6

2008

17.1

17.0

16.3

15.4

16.7

15.6

14.5

8.8

4.8

6.1

7.7

7.4

2009

8.6

8.8

8.6

6.9

6.5

6.6

5.9

6.0

6.7

6.7

7.2

6.8

2010

8.1

7.8

8.0

7.7

7.8

8.2

8.3

8.5

12.4

12.0

11.9

11.8

2011

22.8

30.4

33.4

30.6

32.1

31.9

31.2

30.4

27.7

28.4

28.7

25.9

2.2

. sarezervo f

ul

is m

asis m

ocul

obisa d

a s

truqturis d

inamika

gagr

Zel

eba

naRdi f

ul

i m

imoqcevaSi

T

anxebi b

ankebis s

akorespondento a

ngariSebze

s

aval

debul

o r

ezervebi

pro

cen

tu

lad

sar

ezer

vo f

ul

Tan

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11

ianv

ari

Teb

erva

li

mar

ti

apr

ili

mais

i iv

nisi

iv

lis

i ag

vist

o

seqt

embe

ri

oqt

omb

eri

noem

ber

i d

ekem

ber

i

2006

1956061

1986757

2023117

2187069

2185567

2307293

2346359

2397622

2448024

2468322

2524549

2689887

2007

2613987

2753554

2705882

2895427

2999459

3281910

3442747

3650827

3748029

3836584

3931101

4027469

2008

4056922

3993356

4075932

4333892

4206603

4234084

4373549

3941205

4017809

3936563

3966082

4305126

2009

4045248

3921734

3725642

3553415

3571732

3646504

3802869

4020235

4153117

4287392

4264627

4656775

2010

4635119

4685610

4792026

4880979

4906868

5103377

5754689

5821978

5872447

5890780

5856348

6275726

2011

6074713

6038255

6011808

6155913

6095979

6251221

6298995

6598997

6673644

6763260

6571352

7355650

2006

1055535

1057217

1092520

1147523

1158490

1258674

1255728

1260433

1279668

1247729

1242778

1392849

2007

1304141

1316010

1372487

1464488

1544770

1655771

1791198

1874078

1937606

2003664

2089028

2149311

2008

2047754

2081520

2276128

2380826

2333668

2432518

2529779

2294428

2280434

2190228

1926785

1862498

2009

1721403

1644895

1650537

1703651

1679463

1723654

1796195

1850551

1932951

1966403

2004755

2139452

2010

2026739

2108243

2222580

2303195

2280475

2356083

2442874

2462680

2467855

2514414

2615904

2738628

2011

2568897

2559175

2520699

2795034

2725722

2743638

2917731

3053987

3015268

3139687

3082061

3547194

2006

685795

692108

712598

717900

715217

733341

749754

756053

776625

758866

743278

827357

2007

743861

755503

765376

786906

823848

856423

913705

949535

956649

993026

1012029

1152070

2008

1045934

1075495

1132136

1232825

1192990

1239022

1299023

1256293

1204893

1159088

1064777

1082554

2009

996266

966188

968646

1027410

1011613

1026754

1081585

1090988

1101248

1110999

1100696

1229436

2010

1132677

1142394

1186814

1219755

1234321

1269456

1315057

1334415

1306717

1302947

1280023

1372989

2011

1248360

1224546

1183232

1213635

1217040

1248893

1306298

1341026

1343738

1344431

1308118

1438992

2006

369740

365109

379922

429622

443273

525333

505974

504381

503043

488863

499500

565491

2007

560281

560506

607111

677582

720923

799348

877494

924543

980956

1010638

1076998

997241

2008

1001820

1006026

1143992

1148001

1140678

1193496

1230757

1038134

1075541

1031140

862008

779944

2009

725137

678706

681890

676241

667850

696899

714610

759562

831702

855404

904059

910016

2010

894061

965848

1035765

1083440

1046155

1086627

1127817

1128266

1161138

1211467

1335881

1365639

2011

1320538

1334629

1337467

1581399

1508682

1494745

1611433

1712960

1671530

1795256

1773943

2108202

2006

900526

929540

930597

1039547

1027077

1048619

1090631

1137189

1168356

1220593

1281770

1297038

2007

1309845

1437544

1333396

1430939

1454688

1626139

1651548

1776749

1810423

1832919

1842074

1878158

2008

2009168

1911836

1799804

1953066

1872935

1801566

1843770

1646777

1737375

1746335

2039297

2442628

2009

2323845

2276839

2075106

1849764

1892269

1922850

2006674

2169684

2220166

2320989

2259872

2517323

2010

2608380

2577368

2569447

2577784

2626393

2747294

3311815

3359298

3404591

3376366

3240444

3537098

2011

3505816

3479080

3491109

3360878

3370257

3507583

3381265

3545010

3658376

3623573

3489292

3808456

2.3

. ful

is m

asis a

gregatebis d

inamika

per

iod

is b

ol

os;

aT

asi

lar

i

bankebs g

areT a

rsebul

i n

aRdi f

ul

i (M

0)

farTo f

ul

i u

cxouri v

al

utiT d

epozitebis g

areSe (M

2)

depozitebi e

rovnul

i v

al

utiT

depozitebi u

cxouri v

al

utiT

far

To

fu

li (M

3)

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12

ianv

ari

Teb

erva

li

mar

ti

apr

ili

mais

i iv

nisi

iv

lis

i ag

vist

o

seqt

embe

ri

oqt

omb

eri

noem

ber

i d

ekem

ber

i

2.3

. ful

is m

asis a

gregatebis d

inamika

gagr

Zel

eba

far

To

fu

li

(M3)

2006

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2007

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2008

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2009

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2010

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2011

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

2006

54.0

53.2

54.0

52.5

53.0

54.6

53.5

52.6

52.3

50.5

49.2

51.8

2007

49.9

47.8

50.7

50.6

51.5

50.5

52.0

51.3

51.7

52.2

53.1

53.4

2008

50.5

52.1

55.8

54.9

55.5

57.5

57.8

58.2

56.8

55.6

48.6

43.3

2009

42.6

41.9

44.3

47.9

47.0

47.3

47.2

46.0

46.5

45.9

47.0

45.9

2010

43.7

45.0

46.4

47.2

46.5

46.2

42.5

42.3

42.0

42.7

44.7

43.6

2011

42.3

42.4

41.9

45.4

44.7

43.9

46.3

46.3

45.2

46.4

46.9

48.2

2006

65.0

65.5

65.2

62.6

61.7

58.3

59.7

60.0

60.7

60.8

59.8

59.4

2007

57.0

57.4

55.8

53.7

53.3

51.7

51.0

50.7

49.4

49.6

48.4

53.6

2008

51.1

51.7

49.7

51.8

51.1

50.9

51.3

54.8

52.8

52.9

55.3

58.1

2009

57.9

58.7

58.7

60.3

60.2

59.6

60.2

59.0

57.0

56.5

54.9

57.5

2010

55.9

54.2

53.4

53.0

54.1

53.9

53.8

54.2

52.9

51.8

48.9

50.1

2011

48.6

47.8

46.9

43.4

44.7

45.5

44.8

43.9

44.6

42.8

42.4

40.6

2006

35.0

34.5

34.8

37.4

38.3

41.7

40.3

40.0

39.3

39.2

40.2

40.6

2007

43.0

42.6

44.2

46.3

46.7

48.3

49.0

49.3

50.6

50.4

51.6

46.4

2008

48.9

48.3

50.3

48.2

48.9

49.1

48.7

45.2

47.2

47.1

44.7

41.9

2009

42.1

41.3

41.3

39.7

39.8

40.4

39.8

41.0

43.0

43.5

45.1

42.5

2010

44.1

45.8

46.6

47.0

45.9

46.1

46.2

45.8

47.1

48.2

51.1

49.9

2011

51.4

52.2

53.1

56.6

55.3

54.5

55.2

56.1

55.4

57.2

57.6

59.4

2006

46.0

46.8

46.0

47.5

47.0

45.4

46.5

47.4

47.7

49.5

50.8

48.2

2007

50.1

52.2

49.3

49.4

48.5

49.5

48.0

48.7

48.3

47.8

46.9

46.6

2008

49.5

47.9

44.2

45.1

44.5

42.5

42.2

41.8

43.2

44.4

51.4

56.7

2009

57.4

58.1

55.7

52.1

53.0

52.7

52.8

54.0

53.5

54.1

53.0

54.1

2010

56.3

55.0

53.6

52.8

53.5

53.8

57.5

57.7

58.0

57.3

55.3

56.4

2011

57.7

57.6

58.1

54.6

55.3

56.1

53.7

53.7

54.8

53.6

53.1

51.8

procentobiT

depozitebi e

rovnul

i v

al

utiT

depozitebi u

cxouri v

al

utiT

bankebs g

areT a

rsebul

i n

aRdi f

ul

i (M

0)

farTo f

ul

i u

cxouri v

al

utiT d

epozitebis g

areSe(M

2)

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13

2.4. saqarTvelos erovnuli bankis mimoxilva(periodis bolos; aTasi lari)

01. 10 02. 10 03. 10 04. 10 05. 10 06. 10wminda ucxouri aqtivebi 2115612 2030568 2327941 2227080 1991553 1886976 ucxouri aqtivebi 3679038 3558191 3853715 3759432 3498342 3444034

oqro 0 0 0 0 0 0nasesxobis specialuri uflebebi (nsu) 394524 382789 382940 389702 379037 388054ucxouri valuta 3279932 3172167 3464374 3363940 3113759 3050262sxva ucxouri aqtivebi 4582 3234 6402 5789 5545 5718

ucxouri valdebulebebi -1563426 -1527623 -1525774 -1532352 -1506789 -1557057ssf–is resursebis gamoyeneba -1563308 -1527505 -1525657 -1532234 -1506671 -1556792sxva ucxouri valdebulebebi -117 -117 -117 -117 -117 -265

wminda saSinao aqtivebi -401642 -233526 -547749 -386492 -196815 -71821mTavrobis wminda davalianeba 14574 98301 -186397 -96962 -4159 56383

centraluri mTavrobis davalianeba 14574 98301 -186397 -96962 -4159 56383saxazino valdebulebebi 762033 763192 748909 750338 751767 735129sesxebi centralur mTavrobas 3 3 3 3 3 3centraluri mTavrobis depozitebi -747462 -664894 -935308 -847303 -755929 -678749sesxebi centraluri mTavrobidan 0 0 0 0 0 0

adgilobriv mTavrobis wminda davalianeba 0 0 0 0 0 0sesxebi adgilobriv mTavrobas 0 0 0 0 0 0adgilobrivi mTavrobis depozitebi 0 0 0 0 0 0

saxelmwifo arasafinanso korporaciebis

davalianeba0 0 0 0 0 0

maT Soris: sesxebi ucxouri valutiT 0 0 0 0 0 0sxva arasafinanso korporaciebis davalianeba 0 0 0 0 0 0 maT Soris: sesxebi ucxouri valutiT 0 0 0 0 0 0fizikuri pirebis davalianeba 3566 3490 3414 3304 3221 3122 maT Soris: sesxebi ucxouri valutiT 0 0 0 0 0 0bankebis wminda davalianeba -203837 -149061 -149176 -113670 -71677 27239

bankebis davalianeba 55043 45040 45040 105056 151634 217289valdebulebebi bankebis winaSe -258880 -194101 -194216 -218726 -223311 -190050

valdebulebebi rezidenti finansuri

institutebis winaSe0 0 0 0 0 0

sxva wminda aqtivebi -215945 -186256 -215591 -179165 -124200 -158564sarezervo fuli 1713536 1796689 1779993 1840471 1794175 1814726

erovnuli valuta mimoqcevaSi 1357686 1356142 1398806 1412001 1431384 1460407bankebis depozitebi 355850 440547 381186 428471 362790 354319

savaldebulo rezervebi 138340 140570 141969 141836 140190 148473maT Soris: ucxouri valutiT 138340 140570 141969 141836 140190 148473

naSTebi sakorespondento angariSebze 217510 299978 239217 164134 197181 132106maT Soris: ucxouri valutiT 5176 5620 4616 6288 4509 5568

sxva depozitebi 0 0 0 122500 25420 73740sadepozito valdebulebebi 434 354 200 117 563 430

erovnuli valutiT 429 353 199 116 562 429ucxouri valutiT 5 1 1 1 0 0

wyaro: saqarTvelos erovnuli bankis naerTi balansi.* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

Page 15: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

14

2.4. saqarTvelos erovnuli bankis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri aqtivebi

oqro

nasesxobis specialuri uflebebi (nsu)

ucxouri valuta

sxva ucxouri aqtivebi

ucxouri valdebulebebi

ssf–is resursebis gamoyeneba

sxva ucxouri valdebulebebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

sesxebi centraluri mTavrobidan

adgilobriv mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

bankebis wminda davalianeba

bankebis davalianeba

valdebulebebi bankebis winaSe

valdebulebebi rezidenti finansuri

institutebis winaSe

sxva wminda aqtivebi

sarezervo fuli

erovnuli valuta mimoqcevaSi

bankebis depozitebi

savaldebulo rezervebi

maT Soris: ucxouri valutiT

naSTebi sakorespondento angariSebze

maT Soris: ucxouri valutiT

sxva depozitebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

07. 10 08. 10 09. 10 10. 10 11. 10 12. 101999208 2004687 2226738 2229587 2426145 24792303590232 3577707 3817471 3809344 3951338 4022093

0 0 0 0 0 0408949 398389 403424 416056 393056 394538

3175340 3173453 3408486 3387687 3553199 36189325944 5865 5561 5601 5083 8624

-1591024 -1573020 -1590733 -1579757 -1525193 -1542863-1590456 -1572452 -1590165 -1579488 -1524925 -1542596

-568 -568 -568 -268 -268 -268-148385 -132623 -271893 -231190 -450672 -398088

70737 32572 -68422 13553 -106958 -8570170737 32572 -68422 13553 -106958 -85701

736450 737771 719864 721120 722375 7164023 3 3 3 3 3

-665716 -705202 -788289 -707570 -829336 -8021060 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

3006 2935 2844 2779 2704 26310 0 0 0 0 0

-18555 7023 -7200 -70288 -213358 -165040162093 170209 185073 135090 54107 190079

-180648 -163186 -192273 -205378 -267465 -355119

0 0 0 0 0 0

-203573 -175153 -199114 -177234 -133060 -1499791850494 1871817 1954729 1997837 1975036 20811291501064 1530686 1500695 1503652 1487064 1618180349430 341131 454034 494185 487972 462949153540 159678 242133 239590 234329 244750153540 159678 242133 239590 234329 244750124090 91298 166772 214645 190543 15788717178 9854 17087 16873 16281 1394671800 90155 45130 39950 63100 60312

328 247 115 560 438 13328 247 115 560 437 12

1 0 1 1 1 1

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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15

2.4. saqarTvelos erovnuli bankis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri aqtivebi

oqro

nasesxobis specialuri uflebebi (nsu)

ucxouri valuta

sxva ucxouri aqtivebi

ucxouri valdebulebebi

ssf–is resursebis gamoyeneba

sxva ucxouri valdebulebebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

sesxebi centraluri mTavrobidan

adgilobriv mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

bankebis wminda davalianeba

bankebis davalianeba

valdebulebebi bankebis winaSe

valdebulebebi rezidenti finansuri

institutebis winaSe

sxva wminda aqtivebi

sarezervo fuli

erovnuli valuta mimoqcevaSi

bankebis depozitebi

savaldebulo rezervebi

maT Soris: ucxouri valutiT

naSTebi sakorespondento angariSebze

maT Soris: ucxouri valutiT

sxva depozitebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

01. 11 02. 11 03. 11 04. 11 05. 11 06. 112782665 2886926 3136298 3177849 3091981 31221004369089 4428697 4640377 4656766 4570489 4601871

0 0 0 0 0 0420093 398300 397879 389512 382336 405198

3945254 4027719 4238220 4261893 4184556 41930723741 2678 4278 5362 3597 3601

-1586424 -1541771 -1504079 -1478917 -1478508 -1479771-1586356 -1541703 -1504012 -1478850 -1478440 -1479703

-68 -68 -68 -68 -68 -68-556119 -456393 -824675 -671198 -659110 -672920-130706 -11292 -358514 -247904 -283655 -367328-130706 -11292 -358514 -247904 -283655 -367328717582 718762 711475 713001 714527 698515

3 3 3 3 3 3-848291 -730057 -1069992 -960908 -998184 -1065846

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

2584 2527 2471 2409 2327 22600 0 0 0 0 0

-216693 -298986 -354408 -398190 -342244 -284954193207 140754 95040 50051 105134 150040

-409900 -439740 -449448 -448241 -447378 -434994

0 0 0 0 0 0

-211304 -148642 -114223 -27514 -35538 -228982226104 2430168 2311381 2505956 2432249 24487061474969 1443728 1395350 1436103 1429488 1467042751135 986440 916031 1069853 1002761 981665507489 738549 771121 766509 779967 780070507489 738549 771121 766509 779967 780070196845 187779 134548 258562 214431 18306212224 5169 6957 7786 8603 490746801 60112 10362 44782 8362 18532

442 364 242 695 622 474442 364 242 694 622 474

1 1 1 1 0 0

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

Page 17: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

16

2.4. saqarTvelos erovnuli bankis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri aqtivebi

oqro

nasesxobis specialuri uflebebi (nsu)

ucxouri valuta

sxva ucxouri aqtivebi

ucxouri valdebulebebi

ssf–is resursebis gamoyeneba

sxva ucxouri valdebulebebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

sesxebi centraluri mTavrobidan

adgilobriv mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

bankebis wminda davalianeba

bankebis davalianeba

valdebulebebi bankebis winaSe

valdebulebebi rezidenti finansuri

institutebis winaSe

sxva wminda aqtivebi

sarezervo fuli

erovnuli valuta mimoqcevaSi

bankebis depozitebi

savaldebulo rezervebi

maT Soris: ucxouri valutiT

naSTebi sakorespondento angariSebze

maT Soris: ucxouri valutiT

sxva depozitebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

07. 11 08. 11 09. 11 10. 11 11. 11 12. 113138935 3176461 3144234 3294095 3200767 33583204601842 4632272 4578499 4750561 4612491 4709422

0 0 0 0 0 0393536 381661 375469 391284 371706 373037

4206033 4248411 4200912 4357134 4238668 43342792273 2200 2119 2144 2117 2106

-1462907 -1455811 -1434266 -1456466 -1411724 -1351102-1462019 -1454924 -1433378 -1455579 -1411036 -1350483

-888 -888 -888 -888 -688 -619-595351 -553933 -547989 -628354 -633186 -457279-317533 -277391 -459959 -356101 -456694 -70395-317533 -277391 -459959 -356101 -456694 -70395699911 701307 691120 692408 693695 687359

3 3 3 3 3 3-1017446 -978700 -1151082 -1048511 -1150392 -757756

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

2183 2113 2046 1990 1927 26710 0 0 0 0 0

-282911 -266550 -126735 -272412 -217611 -428622152773 170251 335105 170136 220254 13505

-435683 -436801 -461840 -442547 -437865 -442128

0 0 0 0 0 0

2909 -12105 36659 -1831 39192 390682542648 2621688 2595533 2664581 2566552 29010391536990 1581259 1596306 1602717 1555417 17535841005658 1040429 999227 1061863 1011135 1147454794036 796237 719977 756920 736422 752332794036 796237 719977 756920 736422 752332179249 136526 278250 302443 263213 164433

6390 2594 118192 73623 3831 930432373 107666 1000 2500 11500 230690

936 841 711 1161 1029 2936 841 711 1161 1029 2

0 0 0 0 0 0

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

Page 18: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

17

2.5. sxva depozituri korporaciebis mimoxilva(periodis bolos; aTasi lari)

01. 10 02. 10 03. 10 04. 10 05. 10 06. 10wminda ucxouri aqtivebi -1231856 -1240678 -1276812 -1259078 -1331236 -1146137

ucxouri valutis rezervebi 925544 888572 870466 880710 890856 1134333ucxouri fasiani qaRaldebi 0 0 0 0 8 15investiciebi sazRvargareT 46188 45857 19625 4241 4848 2445sesxebi ararezidentebze 4354 4340 4374 4435 4462 4611ucxouri valdebulebebi -2207109 -2175586 -2177746 -2154698 -2226473 -2282981sxva wminda ucxouri aqtivebi -833 -3860 6470 6235 -4937 -4560

wminda saSinao aqtivebi 4733864 4783541 4881824 4920186 5003221 4979628mTavrobis wminda davalianeba 141839 162912 176719 189879 193828 175204

centraluri mTavrobis wminda davalianeba 223929 247534 262471 271894 303422 318883saxazino valdebulebebi 297471 327175 332101 345757 370174 376351sesxebi centralur mTavrobas 27173 27561 27558 24573 29119 36203centraluri mTavrobis depozitebi -85412 -92026 -81970 -83146 -80754 -78389finansTa saministros sesxebi kerZo

biznesis ganviTarebisTvis -15303 -15176 -15218 -15291 -15117 -15283adgilobrivi mTavrobis wminda davalianeba -43119 -44497 -46354 -43985 -69493 -104636

sesxebi adgilobriv mTavrobas 0 0 0 0 0 0adgilobrivi mTavrobis depozitebi -43119 -44497 -46354 -43985 -69493 -104636

misaRebi procentebi -38971 -40124 -39398 -38031 -40101 -39042saxelmwifo arasafinanso korporaciebis

davalianeba 34423 35355 37797 39817 41951 47273 maT Soris: sesxebi ucxouri valutiT 22068 20675 18591 19063 19064 21018sxva arasafinanso korporaciebis davalianeba 3406478 3437022 3507013 3630403 3690634 3764000 maT Soris: sesxebi ucxouri valutiT 2688721 2713788 2729963 2800438 2826358 2867294fizikuri pirebis davalianeba 1878031 1876430 1876086 1904920 1936912 1998788 maT Soris: sesxebi ucxouri valutiT 1384247 1378650 1360335 1363325 1363362 1385502kerZo seqtoris sxva davalianeba 377200 377263 420850 440264 441104 454201bankebis rezervebi 580436 652922 592552 497634 533824 469247

lari salaroSi 225009 213747 211992 192246 197064 190950savaldebulo rezervebi 137991 140728 141984 142977 140188 148472naSTebi sakorespondento angariSebze 217436 298447 238577 162411 196572 129825

bankebis wminda davalianeba -213865 -271212 -249392 -253886 -310262 -397703sxva depozituri korporaciebis davalianeba 122815 136481 123131 183831 197428 213488valdebulebebi sxva depozituri

korporaciebis mimarT -550560 -556793 -521739 -673942 -604921 -657980seb-is davalianeba 258880 194101 194216 341226 248731 263790valdebulebebi seb-is mimarT -45000 -45000 -45000 -105000 -151500 -217000

sxva muxlebi, wminda -1470679 -1487152 -1479802 -1528846 -1524770 -1531382sxva aqtivebi 1344913 1356398 1395833 1356282 1387703 1423776sxva valdebulebebi -2815592 -2843551 -2875634 -2885128 -2912474 -2955158

sesxebi sxva rezidenti arasafinanso

korporaciebidan -242484 -241723 -243576 -246418 -247923 -256276fuladi bazris instrumentebi 0 0 0 0 0 -3651sxva valdebulebebi -2573108 -2601828 -2632058 -2638710 -2664551 -2695232

sadepozito valdebulebebi 3502007 3542862 3605012 3661107 3671985 3833491erovnuli valutiT 893632 965495 1035566 1083324 1045592 1086198ucxouri valutiT 2608375 2577367 2569446 2577783 2626392 2747293

wyaro: komerciuli bankebis naerTi balansi. * Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

Page 19: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

18

2.5. sxva depozituri korporaciebis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri valutis rezervebi

ucxouri fasiani qaRaldebi

investiciebi sazRvargareT

sesxebi ararezidentebze

ucxouri valdebulebebi

sxva wminda ucxouri aqtivebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

finansTa saministros sesxebi kerZo

biznesis ganviTarebisTvis

adgilobrivi mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

misaRebi procentebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

kerZo seqtoris sxva davalianeba

bankebis rezervebi

lari salaroSi

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva depozituri korporaciebis davalianeba

valdebulebebi sxva depozituri

korporaciebis mimarT

seb-is davalianeba

valdebulebebi seb-is mimarT

sxva muxlebi, wminda

sxva aqtivebi

sxva valdebulebebi

sesxebi sxva rezidenti arasafinanso

korporaciebidan

fuladi bazris instrumentebi

sxva valdebulebebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: komerciuli bankebis naerTi balansi.

07. 10 08. 10 09. 10 10. 10 11. 10 12. 10-683863 -599849 -609219 -616813 -858485 -8673931542283 1612465 1500149 1479115 1332396 1405866

52 159 89 118 143 1743490 3092 3861 2617 2834 31404598 4583 4516 4445 4418 4432

-2228919 -2210437 -2108720 -2094967 -2184437 -2264862-5367 -9711 -9114 -8142 -13840 -16143

5123167 5087166 5174833 5204086 5434373 5770118231845 262293 276394 274368 210816 247126348008 367322 384416 371798 376937 371987404936 424457 444230 430914 426803 44808837736 38432 38902 39115 39848 29068

-80202 -82008 -85029 -83941 -75750 -91220

-14461 -13559 -13686 -14290 -13964 -13950-76311 -63479 -65637 -51385 -115017 -70908

0 0 0 0 0 0-76311 -63479 -65637 -51385 -115017 -70908-39852 -41549 -42385 -46045 -51105 -53954

49364 49607 54577 51160 54625 5268122220 22090 31051 31994 38058 36948

3778454 3827623 3780172 3729966 3956112 40996732899145 2920975 2870806 2828395 3060091 32094832043278 2065015 2078462 2064385 2079484 21853961400696 1408545 1399929 1372389 1363523 1437147485847 442627 444107 445948 444397 448251462954 446968 603268 655945 627162 647518186007 196271 193978 200705 207041 245191153182 159678 242216 239990 234543 244750123765 91019 167075 215250 185579 157577

-366570 -392698 -416626 -321811 -118184 -229716265207 224735 237007 242728 371056 298647

-722224 -700774 -706036 -674867 -765805 -753632252448 253341 237403 245328 330565 415269

-162000 -170000 -185000 -135000 -54000 -190000-1562004 -1614270 -1645522 -1695875 -1820040 -16808111436497 1446837 1430544 1419621 1458586 1461103

-2998501 -3061108 -3076066 -3115496 -3278626 -3141914

-255572 -254730 -251132 -247302 -244258 -246121-3646 -3715 -3717 -22404 -22651 -40760

-2739283 -2802663 -2821216 -2845790 -3011717 -28550324439304 4487317 4565615 4587273 4575888 49027251127489 1128019 1161024 1210908 1335444 13656273311815 3359298 3404591 3376365 3240444 3537098

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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19

2.5. sxva depozituri korporaciebis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri valutis rezervebi

ucxouri fasiani qaRaldebi

investiciebi sazRvargareT

sesxebi ararezidentebze

ucxouri valdebulebebi

sxva wminda ucxouri aqtivebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

finansTa saministros sesxebi kerZo

biznesis ganviTarebisTvis

adgilobrivi mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

misaRebi procentebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

kerZo seqtoris sxva davalianeba

bankebis rezervebi

lari salaroSi

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva depozituri korporaciebis davalianeba

valdebulebebi sxva depozituri

korporaciebis mimarT

seb-is davalianeba

valdebulebebi seb-is mimarT

sxva muxlebi, wminda

sxva aqtivebi

sxva valdebulebebi

sesxebi sxva rezidenti arasafinanso

korporaciebidan

fuladi bazris instrumentebi

sxva valdebulebebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: komerciuli bankebis naerTi balansi.

01. 11 02. 11 03. 11 04. 11 05. 11 06. 11-1244765 -1359337 -1408110 -1462455 -1491377 -15676531070779 1000250 968514 800465 745557 708488

76 101 129 68 97 1251548 6570 6649 3023 2434 59644522 4392 4265 4102 4165 4166

-2304295 -2351899 -2371284 -2253138 -2227764 -2272183-17396 -18751 -16384 -16975 -15867 -14214

6070676 6172682 6236445 6404037 6369694 6569507174428 206305 207740 224029 253220 203452363036 372843 345742 360711 395195 397883447661 447948 462771 469940 506763 51888031011 55118 43778 46189 40068 51473

-101327 -115163 -145924 -141125 -137416 -157042

-14309 -15060 -14882 -14293 -14220 -15429-130810 -105108 -109399 -104305 -110296 -161903

0 0 0 0 0 500-130810 -105108 -109399 -104305 -110296 -162403-57799 -61429 -28603 -32377 -31679 -32529

48977 46269 52823 55846 52402 5250734778 35668 42205 44767 42164 44599

4150180 4067450 4177969 4141013 4169688 44488083261426 3174700 3234433 3184958 3229776 34764702225421 2202338 2205731 2243930 2356403 24669371480707 1453944 1433316 1416007 1466411 1503767452389 277292 277805 282270 296701 298155930641 1145201 1117469 1248568 1206845 1181281226610 219182 212118 222467 212449 218149507497 738549 771121 767842 779967 780070196534 187470 134230 258259 214429 183062

-170043 -93942 -83964 -9210 -99852 -201751408419 378808 335243 321074 385304 443823

-842001 -831339 -783855 -773145 -835734 -948938456539 499190 459648 492861 455578 453364

-193000 -140600 -95000 -50000 -105000 -150000-1741316 -1678231 -1719128 -1782410 -1865712 -18798811511964 1494514 1523236 1526925 1536063 1567035

-3253280 -3172745 -3242365 -3309335 -3401775 -3446917

-251103 -243913 -236889 -227905 -229955 -230118-40865 -72310 -116803 -137939 -165764 -168206

-2961312 -2856522 -2888672 -2943491 -3006056 -30485934825911 4813345 4828334 4941583 4878317 50018541320096 1334265 1337226 1580705 1508060 14942713505815 3479079 3491109 3360878 3370257 3507583

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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20

2.5. sxva depozituri korporaciebis mimoxilva(periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

ucxouri valutis rezervebi

ucxouri fasiani qaRaldebi

investiciebi sazRvargareT

sesxebi ararezidentebze

ucxouri valdebulebebi

sxva wminda ucxouri aqtivebi

wminda saSinao aqtivebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba

saxazino valdebulebebi

sesxebi centralur mTavrobas

centraluri mTavrobis depozitebi

finansTa saministros sesxebi kerZo

biznesis ganviTarebisTvis

adgilobrivi mTavrobis wminda davalianeba

sesxebi adgilobriv mTavrobas

adgilobrivi mTavrobis depozitebi

misaRebi procentebi

saxelmwifo arasafinanso korporaciebis

davalianeba

maT Soris: sesxebi ucxouri valutiT

sxva arasafinanso korporaciebis davalianeba

maT Soris: sesxebi ucxouri valutiT

fizikuri pirebis davalianeba

maT Soris: sesxebi ucxouri valutiT

kerZo seqtoris sxva davalianeba

bankebis rezervebi

lari salaroSi

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva depozituri korporaciebis davalianeba

valdebulebebi sxva depozituri

korporaciebis mimarT

seb-is davalianeba

valdebulebebi seb-is mimarT

sxva muxlebi, wminda

sxva aqtivebi

sxva valdebulebebi

sesxebi sxva rezidenti arasafinanso

korporaciebidan

fuladi bazris instrumentebi

sxva valdebulebebi

sadepozito valdebulebebi

erovnuli valutiT

ucxouri valutiT

wyaro: komerciuli bankebis naerTi balansi.

07. 11 08. 11 09. 11 10. 11 11. 11 12. 11-1710275 -1627720 -1522246 -1807231 -1835804 -1738752

587653 716096 898303 589577 668831 81435729 57 83 112 87 109

7999 12820 12734 13324 13175 154794137 4114 4153 4148 4146 4176

-2290172 -2337830 -2416092 -2394628 -2504196 -2550524-19921 -22977 -21425 -19764 -17848 -22349

6702037 6884849 6851441 7224899 7098010 7655408202452 222723 245664 241193 202960 197401378481 390790 412147 416503 405901 391347497359 510357 527354 547167 536600 52092555136 58417 62142 62267 63322 59139

-158769 -163423 -163085 -178923 -180405 -175869

-15245 -14560 -14264 -14009 -13616 -12848-141657 -134336 -130113 -137036 -165938 -157887

500 500 501 501 500 500-142157 -134836 -130614 -137537 -166438 -158387-34371 -33731 -36369 -38273 -37003 -36059

52722 54814 50701 58457 62093 6566946768 43368 42182 46512 41067 47597

4459047 4518285 4677119 4683576 4688239 47856283472835 3464101 3555694 3565465 3533892 36282462564030 2637109 2746906 2806740 2842939 29359701533947 1549957 1598118 1622414 1633750 1679666297461 297850 311673 311759 316323 319806

1204078 1172995 1222722 1317645 1246934 1231427230692 240232 252568 258286 247299 314593794147 796237 719977 756920 736422 752401179239 136526 250176 302438 263214 164433

-213623 -113207 -409549 -210454 -265757 125625451149 453031 410718 382099 382578 581846

-979766 -940706 -948106 -867601 -877699 -1115299467694 544467 462840 445047 449365 672578

-152700 -170000 -335000 -170000 -220000 -13500-1864130 -1905721 -1993796 -1984016 -1995722 -20061181544684 1592596 1596703 1641930 1613280 1647980

-3408814 -3498317 -3590499 -3625946 -3609002 -3654098

-228517 -227248 -229359 -229111 -187529 -150468-167643 -167977 -180992 -180528 -181418 -200288

-3012653 -3103093 -3180148 -3216308 -3240055 -33033424991762 5257130 5329195 5417668 5262205 59166561610497 1712119 1670819 1794096 1772914 21082003381265 3545010 3658376 3623573 3489292 3808456

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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21

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari)

01. 10 02. 10 03. 10 04. 10 05. 10 06. 10wminda ucxouri aqtivebi 883756 789890 1051130 968002 660317 740839

wminda ucxouri aqtivebi (seb) 2115612 2030568 2327941 2227080 1991553 1886976 wminda ucxouri aqtivebi (sdk) -1231856 -1240678 -1276812 -1259078 -1331236 -1146137

wminda saSinao aqtivebi 3751363 3895720 3740897 3912977 4246551 4362538saSinao sesxebi 5856111 5990774 5835483 6111626 6303491 6498970

mTavrobis wminda davalianeba 156413 261213 -9677 92917 189669 231587centraluri mTavrobis wminda davalianeba (seb) 14574 98301 -186397 -96962 -4159 56383centraluri mTavrobis wminda davalianeba (sdk) 223929 247534 262471 271894 303422 318883adgilobrivi mTavrobis wminda davalianeba (seb) 0 0 0 0 0 0adgilobrivi mTavrobis wminda davalianeba (sdk) -43119 -44497 -46354 -43985 -69493 -104636misaRebi procentebi (seb) 0 0 0 0 0 0misaRebi procentebi (sdk) -38971 -40124 -39398 -38031 -40101 -39042

saxelmwifo arasafinanso korporaciebis

davalianeba34423 35355 37797 39817 41951 47273

saxelmwifo arasafinanso korporaciebis

davalianeba (seb)0 0 0 0 0 0

saxelmwifo arasafinanso korporaciebis

davalianeba (sdk)34423 35355 37797 39817 41951 47273

sxva arasafinanso korporaciebis davalianeba 3406478 3437022 3507013 3630403 3690634 3764000sxva arasafinanso korporaciebis davalianeba

(seb)0 0 0 0 0 0

sxva arasafinanso korporaciebis davalianeba

(sdk)3406478 3437022 3507013 3630403 3690634 3764000

fizikuri pirebis davalianeba 1881596 1879920 1879500 1908224 1940134 2001910fizikuri pirebis davalianeba (seb) 3566 3490 3414 3304 3221 3122fizikuri pirebis davalianeba (sdk) 1878031 1876430 1876086 1904920 1936912 1998788

kerZo seqtoris sxva davalianeba 377200 377263 420850 440264 441104 454201kerZo seqtoris sxva davalianeba (sdk) 377200 377263 420850 440264 441104 454201

sxva muxlebi, wminda -2104748 -2095053 -2094587 -2198648 -2056940 -2136432sxva muxlebi, wminda (seb) -775631 -775864 -745953 -721305 -558668 -485645

bankebis wminda davalianeba -203837 -149061 -149176 -113670 -71677 27239valdebulebebi rezidenti finansuri

institutebis mimarT0 0 0 0 0 0

valdebulebebi sxva depozituri korporaciebis

mimarT-355850 -440547 -381186 -428471 -362790 -354319

sxva wminda aqtivebi -215945 -186256 -215591 -179165 -124200 -158564sxva muxlebi, wminda (sdk) -1329117 -1319189 -1348634 -1477344 -1498272 -1650787

savaldebulo rezervebi 137991 140728 141984 142977 140188 148472naSTebi sakorespondento angariSebze 217436 298447 238577 162411 196572 129825bankebis wminda davalianeba -213865 -271212 -249392 -253886 -310262 -397703sxva muxlebi, wminda -1470679 -1487152 -1479802 -1528846 -1524770 -1531382

monetaruli agregati (M3) 4635119 4685610 4792026 4880979 4906868 5103377monetaruli agregati (M2) 2026739 2108243 2222580 2303195 2280475 2356083 monetaruli agregati (M1) 1753118 1830727 1935658 1998815 1985317 2049132

bankebs gareT arsebuli naRdi fuli(M0) 1132677 1142394 1186814 1219755 1234321 1269456 depozitebi moTxovnamde erovnuli valutiT 620441 688333 748844 779060 750996 779676

vadiani depozitebi erovnuli valutiT 273621 277515 286922 304380 295158 306951depozitebi ucxouri valutiT 2608380 2577368 2569447 2577784 2626393 2747294

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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22

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

wminda ucxouri aqtivebi (seb)

wminda ucxouri aqtivebi (sdk)

wminda saSinao aqtivebi

saSinao sesxebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba (seb)

centraluri mTavrobis wminda davalianeba (sdk)

adgilobrivi mTavrobis wminda davalianeba (seb)

adgilobrivi mTavrobis wminda davalianeba (sdk)

misaRebi procentebi (seb)

misaRebi procentebi (sdk)

saxelmwifo arasafinanso korporaciebis

davalianeba

saxelmwifo arasafinanso korporaciebis

davalianeba (seb)

saxelmwifo arasafinanso korporaciebis

davalianeba (sdk)

sxva arasafinanso korporaciebis davalianeba

sxva arasafinanso korporaciebis davalianeba

(seb)

sxva arasafinanso korporaciebis davalianeba

(sdk)

fizikuri pirebis davalianeba

fizikuri pirebis davalianeba (seb)

fizikuri pirebis davalianeba (sdk)

kerZo seqtoris sxva davalianeba

kerZo seqtoris sxva davalianeba (sdk)

sxva muxlebi, wminda

sxva muxlebi, wminda (seb)

bankebis wminda davalianeba

valdebulebebi rezidenti finansuri

institutebis mimarT

valdebulebebi sxva depozituri korporaciebis

mimarT

sxva wminda aqtivebi

sxva muxlebi, wminda (sdk)

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva muxlebi, wminda

monetaruli agregati (M3)

monetaruli agregati (M2)

monetaruli agregati (M1)

bankebs gareT arsebuli naRdi fuli(M0)

depozitebi moTxovnamde erovnuli valutiT

vadiani depozitebi erovnuli valutiT

depozitebi ucxouri valutiT

07. 10 08. 10 09. 10 10. 10 11. 10 12. 101315345 1404838 1617519 1612774 1567660 16118371999208 2004687 2226738 2229587 2426145 2479230-683863 -599849 -609219 -616813 -858485 -8673934439344 4417141 4254927 4278006 4288688 46638896662530 6682672 6568134 6582159 6641181 6950056302582 294865 207972 287921 103858 16142570737 32572 -68422 13553 -106958 -85701

348008 367322 384416 371798 376937 3719870 0 0 0 0 0

-76311 -63479 -65637 -51385 -115017 -709080 0 0 0 0 0

-39852 -41549 -42385 -46045 -51105 -53954

49364 49607 54577 51160 54625 52681

0 0 0 0 0 0

49364 49607 54577 51160 54625 52681

3778454 3827623 3780172 3729966 3956112 4099673

0 0 0 0 0 0

3778454 3827623 3780172 3729966 3956112 4099673

2046284 2067950 2081305 2067164 2082189 21880273006 2935 2844 2779 2704 2631

2043278 2065015 2078462 2064385 2079484 2185396485847 442627 444107 445948 444397 448251485847 442627 444107 445948 444397 448251

-2223186 -2265532 -2313206 -2304153 -2352493 -2286167-571559 -509260 -660349 -741707 -834391 -777968-18555 7023 -7200 -70288 -213358 -165040

0 0 0 0 0 0

-349430 -341131 -454034 -494185 -487972 -462949

-203573 -175153 -199114 -177234 -133060 -149979-1651628 -1756271 -1652857 -1562446 -1518102 -1508199

153182 159678 242216 239990 234543 244750123765 91019 167075 215250 185579 157577

-366570 -392698 -416626 -321811 -118184 -229716-1562004 -1614270 -1645522 -1695875 -1820040 -16808115754689 5821978 5872447 5890780 5856348 62757262442874 2462680 2467855 2514414 2615904 27386282117394 2128384 2107206 2129593 2233818 23258771315057 1334415 1306717 1302947 1280023 1372989802336 793969 800489 826646 953795 952888325480 334297 360649 384821 382086 412751

3311815 3359298 3404591 3376366 3240444 3537098

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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23

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

wminda ucxouri aqtivebi (seb)

wminda ucxouri aqtivebi (sdk)

wminda saSinao aqtivebi

saSinao sesxebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba (seb)

centraluri mTavrobis wminda davalianeba (sdk)

adgilobrivi mTavrobis wminda davalianeba (seb)

adgilobrivi mTavrobis wminda davalianeba (sdk)

misaRebi procentebi (seb)

misaRebi procentebi (sdk)

saxelmwifo arasafinanso korporaciebis

davalianeba

saxelmwifo arasafinanso korporaciebis

davalianeba (seb)

saxelmwifo arasafinanso korporaciebis

davalianeba (sdk)

sxva arasafinanso korporaciebis davalianeba

sxva arasafinanso korporaciebis davalianeba

(seb)

sxva arasafinanso korporaciebis davalianeba

(sdk)

fizikuri pirebis davalianeba

fizikuri pirebis davalianeba (seb)

fizikuri pirebis davalianeba (sdk)

kerZo seqtoris sxva davalianeba

kerZo seqtoris sxva davalianeba (sdk)

sxva muxlebi, wminda

sxva muxlebi, wminda (seb)

bankebis wminda davalianeba

valdebulebebi rezidenti finansuri

institutebis mimarT

valdebulebebi sxva depozituri korporaciebis

mimarT

sxva wminda aqtivebi

sxva muxlebi, wminda (sdk)

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva muxlebi, wminda

monetaruli agregati (M3)

monetaruli agregati (M2)

monetaruli agregati (M1)

bankebs gareT arsebuli naRdi fuli(M0)

depozitebi moTxovnamde erovnuli valutiT

vadiani depozitebi erovnuli valutiT

depozitebi ucxouri valutiT

01. 11 02. 11 03. 11 04. 11 05. 11 06. 111537899 1527588 1728188 1715394 1600604 15544472782665 2886926 3136298 3177849 3091981 3122100

-1244765 -1359337 -1408110 -1462455 -1491377 -15676534536813 4510666 4283621 4440519 4495375 46967746923273 6790889 6566024 6701595 6847086 7104791

43721 195014 -150774 -23874 -30435 -163877-130706 -11292 -358514 -247904 -283655 -367328363036 372843 345742 360711 395195 397883

0 0 0 0 0 0-130810 -105108 -109399 -104305 -110296 -161903

0 0 0 0 0 0-57799 -61429 -28603 -32377 -31679 -32529

48977 46269 52823 55846 52402 52507

0 0 0 0 0 0

48977 46269 52823 55846 52402 52507

4150180 4067450 4177969 4141013 4169688 4448808

0 0 0 0 0 0

4150180 4067450 4177969 4141013 4169688 4448808

2228005 2204865 2208201 2246340 2358730 24691972584 2527 2471 2409 2327 2260

2225421 2202338 2205731 2243930 2356403 2466937452389 277292 277805 282270 296701 298155452389 277292 277805 282270 296701 298155

-2386459 -2280223 -2282403 -2261076 -2351710 -2408017-1179131 -1434068 -1384662 -1495557 -1380542 -1289517-216693 -298986 -354408 -398190 -342244 -284954

0 0 0 0 0 0

-751135 -986440 -916031 -1069853 -1002761 -981665

-211304 -148642 -114223 -27514 -35538 -22898-1207328 -846155 -897741 -765519 -971168 -1118500

507497 738549 771121 767842 779967 780070196534 187470 134230 258259 214429 183062

-170043 -93942 -83964 -9210 -99852 -201751-1741316 -1678231 -1719128 -1782410 -1865712 -18798816074713 6038255 6011808 6155913 6095979 62512212568897 2559175 2520699 2795034 2725722 27436382151097 2140046 2102855 2300068 2238461 22326141248360 1224546 1183232 1213635 1217040 1248893902737 915500 919624 1086433 1021421 983720417800 419129 417844 494966 487261 511024

3505816 3479080 3491109 3360878 3370257 3507583

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

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24

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari)

gagrZeleba

wminda ucxouri aqtivebi

wminda ucxouri aqtivebi (seb)

wminda ucxouri aqtivebi (sdk)

wminda saSinao aqtivebi

saSinao sesxebi

mTavrobis wminda davalianeba

centraluri mTavrobis wminda davalianeba (seb)

centraluri mTavrobis wminda davalianeba (sdk)

adgilobrivi mTavrobis wminda davalianeba (seb)

adgilobrivi mTavrobis wminda davalianeba (sdk)

misaRebi procentebi (seb)

misaRebi procentebi (sdk)

saxelmwifo arasafinanso korporaciebis

davalianeba

saxelmwifo arasafinanso korporaciebis

davalianeba (seb)

saxelmwifo arasafinanso korporaciebis

davalianeba (sdk)

sxva arasafinanso korporaciebis davalianeba

sxva arasafinanso korporaciebis davalianeba

(seb)

sxva arasafinanso korporaciebis davalianeba

(sdk)

fizikuri pirebis davalianeba

fizikuri pirebis davalianeba (seb)

fizikuri pirebis davalianeba (sdk)

kerZo seqtoris sxva davalianeba

kerZo seqtoris sxva davalianeba (sdk)

sxva muxlebi, wminda

sxva muxlebi, wminda (seb)

bankebis wminda davalianeba

valdebulebebi rezidenti finansuri

institutebis mimarT

valdebulebebi sxva depozituri korporaciebis

mimarT

sxva wminda aqtivebi

sxva muxlebi, wminda (sdk)

savaldebulo rezervebi

naSTebi sakorespondento angariSebze

bankebis wminda davalianeba

sxva muxlebi, wminda

monetaruli agregati (M3)

monetaruli agregati (M2)

monetaruli agregati (M1)

bankebs gareT arsebuli naRdi fuli(M0)

depozitebi moTxovnamde erovnuli valutiT

vadiani depozitebi erovnuli valutiT

depozitebi ucxouri valutiT

07. 11 08. 11 09. 11 10. 11 11. 11 12. 111428660 1548741 1621988 1486864 1364963 16195683138935 3176461 3144234 3294095 3200767 3358320

-1710275 -1627720 -1522246 -1807231 -1835804 -17387524870335 5050256 5051656 5276396 5206390 57360827260363 7455505 7574150 7747614 7657787 8236749-115080 -54667 -214295 -114907 -253734 127006-317533 -277391 -459959 -356101 -456694 -70395378481 390790 412147 416503 405901 391347

0 0 0 0 0 0-141657 -134336 -130113 -137036 -165938 -157887

0 0 0 0 0 0-34371 -33731 -36369 -38273 -37003 -36059

52722 54814 50701 58457 62093 65669

0 0 0 0 0 0

52722 54814 50701 58457 62093 65669

4459047 4518285 4677119 4683576 4688239 4785628

0 0 0 0 0 0

4459047 4518285 4677119 4683576 4688239 4785628

2566213 2639222 2748952 2808729 2844866 29386412183 2113 2046 1990 1927 2671

2564030 2637109 2746906 2806740 2842939 2935970297461 297850 311673 311759 316323 319806297461 297850 311673 311759 316323 319806

-2390028 -2405249 -2522494 -2471218 -2451398 -2500667-1285660 -1319084 -1089303 -1336106 -1189554 -1537009-282911 -266550 -126735 -272412 -217611 -428622

0 0 0 0 0 0

-1005658 -1040429 -999227 -1061863 -1011135 -1147454

2909 -12105 36659 -1831 39192 39068-1104367 -1086165 -1433191 -1135112 -1261844 -963658

794147 796237 719977 756920 736422 752401179239 136526 250176 302438 263214 164433

-213623 -113207 -409549 -210454 -265757 125625-1864130 -1905721 -1993796 -1984016 -1995722 -20061186298995 6598997 6673644 6763260 6571352 73556502917731 3053987 3015268 3139687 3082061 35471942413888 2521598 2506345 2571916 2515526 29189351306298 1341026 1343738 1344431 1308118 14389921107590 1180572 1162607 1227485 1207408 1479944503843 532389 508923 567772 566535 628258

3381265 3545010 3658376 3623573 3489292 3808456

* Awyaro: saqarTvelos erovnuli bankis naerTi balansi.

Page 26: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

25

2007 2008 2009 2010 2011komerciuli bankebi, sul 19 20 19 19 19 maT Soris:

ucxouri kapitalis monawileobiT 14* 17* 15* 16* 18*yovel 100000 kacze 0.43 0.46 0.43 0.43 0.43

filialebi 124 124 120 119 144serviscentrebi 416 559 513 522 564

komerciuli bankebis:

gancxadebuli sawesdebo fondi, aTasi lari 524576 625616 673419 805147 915583 saaqcio kapitali, aTasi lari 1471046 1517250 1516988 1787647 2104361valutis gadamcvleli punqtebi (licenzirebuli) 806 1030 1352 1624 1500 yovel 100000 kacze 18.34 23.50 30.83 36.61 33.56arasabanko sadepozito dawesebulebebi, erTeuli 24 18 18 18 18mikrosafinanso organizaciebi (licenzirebuli) 15 27 38 49 62safondo birJebi, erTeuli 1 1 1 1 1sadazRvevo kompaniebi (moqmedi), erTeuli 15 13 14 16 15 sapensio sqemebi, erTeuli 4 7 6 6 7

sul

1.01.10 191.02.10 191.03.10 191.04.10 191.05.10 191.06.10 191.07.10 191.08.10 191.09.10 191.10.10 191.11.10 191.12.10 191.01.11 191.02.11 191.03.11 191.04.11 191.05.11 191.06.11 191.07.11 191.08.11 191.09.11 191.10.11 191.11.11 191.12.11 191.01.12 193 16

3 163 16

3 16

3 16

3 163 16

3 16

3 16

3 163 16

3 163 16

3 16

3 163 163 16

III. komerciuli bankebi

10 mln. lari da meti

3.2. komerciuli bankebis dajgufeba ganaRdebuli sawesdebo kapitalis mixedviT

3.1. safinanso seqtoris institutebi (periodis bolos)

10 mln. laramde

3 16

3 16

3 16

3 163 16

3 163 16

3 16

* AmaT Soris 2 ucxouri bankis filiali.

Page 27: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

26

3.3

. komerciul

i b

ankebis k

rebsiTi a

qtivebisa d

a p

asivebis d

inamika

gagrZel

eba

01. 1

002

. 10

03. 1

004

. 10

05. 1

006

. 10

07. 1

008

. 10

09. 1

010

. 10

11. 1

012

. 10

naRdi f

ul

adi s

axsrebi

4204

6940

7629

4125

1237

9735

3971

7141

8563

4220

8540

5898

4006

2942

4097

4255

4245

8145

ful

adi s

axsrebi s

abanko a

ngariSebze

1219

452

1281

018

1184

331

1315

358

1251

933

1473

457

1921

575

1966

441

1982

039

1991

238

1966

156

1952

469

fasiani q

aRal

debi

dil

inguri o

peraciebisaTvis

5942

5557

5297

5055

5923

3191

3829

3472

4166

2624

2893

3198

sainvesticio f

asiani q

aRal

debi

5813

5154

6228

5511

8358

9735

6185

7759

1289

6403

7059

9011

6379

0763

6665

6941

8380

1706

wminda s

esxebi

4572

284

4591

449

4683

086

4832

457

4906

146

5064

319

5139

345

5202

326

5199

049

5142

752

5404

473

5673

214

samTavrobo s

esxebi

10

00

00

00

00

00

samewarmeo s

eqtorsa d

a

Sinameurneobebze g

acemul

i s

esxebi

5236

735

5266

686

5339

164

5493

699

5585

028

5729

971

5791

993

5861

316

5839

832

5771

796

6021

230

6256

273

bankTaSorisi s

esxebi

4354

4340

4389

4435

4462

4611

4598

4583

4516

4445

4426

4432

sesxebis S

esaZl

o

danakargebis r

ezervebi (-)

6688

0567

9577

6604

6766

5676

6833

4467

0263

6572

4666

3573

6452

9863

3489

6211

8358

7491

misaRebi p

rocentebi d

a d

ividendebi

8167

081

679

8137

481

324

8627

878

296

7705

180

249

7666

879

443

7372

781

011

investiciebi s

awesdebo k

apital

Si

3897

9638

9655

4069

8041

0498

4107

6442

1827

4230

9242

3455

4222

3742

3659

4206

1143

6274

ZiriTadi s

aSual

ebebi d

a

aramaterial

uri a

qtivebi

8285

8582

8480

8177

9381

5136

8170

5381

7887

8245

8082

6037

8258

6882

3879

8343

0388

5147

sxva w

minda a

qtivebi

2829

4528

6811

3304

4728

8084

3136

9634

5918

3404

0933

8772

3206

0530

3141

3232

2927

3052

mTl

iani a

qtivebi

8382

493

8418

507

8473

004

8717

383

8807

541

9214

747

9792

335

9845

660

9869

169

9827

497

1014

5117

1056

4217

val

debul

ebebi

6868

173

6885

562

6923

504

7163

245

7268

459

7638

792

8155

769

8194

745

8172

647

8104

698

8374

930

8776

570

bankebis d

epozitebi

2059

1520

9946

1913

8925

6189

2591

1527

6461

3226

6628

3949

2328

6123

9026

4236

0732

8925

arasabanko d

epozitebi

4009

954

4065

198

4092

427

4169

416

4187

578

4415

696

5010

291

5066

625

5144

787

5110

541

5136

911

5488

728

arasabanko d

epozitebi m

oTxovnamde

1708

022

1741

962

1719

880

1732

887

1757

660

1835

003

2352

786

2395

220

2418

242

2372

466

2338

330

2523

579

iuridiul

i p

irebis

vadiani d

epozitebi

4803

5046

5358

4885

3851

2612

4954

3751

0808

5344

0454

3279

5621

1859

6961

6217

9472

8956

fizikuri p

irebis v

adiani d

epozitebi

1693

109

1721

798

1756

207

1797

386

1784

873

1887

510

1967

351

1983

727

2014

665

2006

871

1987

425

2074

146

samTavrobo s

eqtoris d

epozitebi

1284

7213

6080

1278

0212

6531

1496

0718

2376

1557

5114

4399

1497

6113

4243

1893

6216

2048

daricxul

i g

adasaxdel

i

procentebi d

a d

ividendebi

8500

877

299

7963

685

230

1005

8010

6704

1009

7298

012

1018

2210

5585

1138

0011

2415

nasesxebi s

axsrebi

2403

912

2378

040

2379

893

2479

525

2530

325

2656

377

2555

299

2545

310

2511

645

2443

323

2370

558

2623

219

sxva v

al

debul

ebebi

1633

8415

5079

1801

5917

2884

1908

6118

3555

1665

4120

0849

1815

3220

6223

3300

5522

3283

sul

saaqcio k

apital

i15

1432

015

3294

415

4950

015

5413

815

3908

215

7595

416

3656

616

5091

516

9652

317

2279

917

7018

717

8764

7ganaRdebul

i s

awesdebo k

apital

i61

1350

6203

3762

0337

6208

7362

7321

6653

2669

0548

6916

1571

4173

7141

8972

2826

7225

63kapital

is r

ezervebi

8905

5289

9129

8997

4589

9306

9004

7689

8124

9081

5290

9370

9087

7190

8859

9106

3892

7042

gaunawil

ebel

i m

ogeba

1241

913

478

2941

833

959

1128

512

505

3786

749

931

7357

999

751

1367

2413

8042

8382

493

8418

507

8473

004

8717

383

8807

541

9214

747

9792

335

9845

660

9869

169

9827

497

1014

5117

1056

4217

periodis b

ol

os; aTasi l

ari

____

____

____

____

____

wya

ro

: ko

mer

ciu

li

bank

ebis

nae

rT

i ba

lan

si.

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

Page 28: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

27

3.3

. komerciul

i b

ankebis k

rebsiTi a

qtivebisa d

a p

asivebis d

inamika

gagrZel

eba

01. 1

002

. 10

03. 1

004

. 10

05. 1

006

. 10

07. 1

008

. 10

09. 1

010

. 10

11. 1

012

. 10

naRdi f

ul

adi s

axsrebi

5.0

4.8

4.9

4.4

4.5

4.5

4.3

4.1

4.1

4.3

4.2

4.3

ful

adi s

axsrebi s

abanko a

ngariSebze

14.5

15.2

14.0

15.1

14.2

16.0

19.6

20.0

20.1

20.3

19.4

18.5

fasiani q

aRal

debi

dil

inguri o

peraciebisaTvis

0.1

0.1

0.1

0.1

0.1

0.0

0.0

0.0

0.0

0.0

0.0

0.0

sainvesticio f

asiani q

aRal

debi

6.9

6.5

6.5

6.8

7.0

6.4

6.5

6.1

6.5

6.5

6.8

7.6

wminda s

esxebi

54.5

54.5

55.3

55.4

55.7

55.0

52.5

52.8

52.7

52.3

53.3

53.7

samTavrobo s

esxebi

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

samewarmeo s

eqtorsa d

a

Sinameurneobebze g

acemul

i s

esxebi

62.5

62.6

63.0

63.0

63.4

62.2

59.1

59.5

59.2

58.7

59.4

59.2

bankTaSorisi s

esxebi

0.1

0.1

0.1

0.1

0.1

0.1

0.0

0.0

0.0

0.0

0.0

0.0

sesxebis S

esaZl

o d

anakargebis

rezervebi (-)

8.0

8.1

7.8

7.6

7.8

7.3

6.7

6.7

6.5

6.4

6.1

5.6

daricxul

i m

isaRebi p

rocentebi d

a

dividendebi

1.0

1.0

1.0

0.9

1.0

0.8

0.8

0.8

0.8

0.8

0.7

0.8

investiciebi s

awesdebo k

apital

Si

4.7

4.6

4.8

4.7

4.7

4.6

4.3

4.3

4.3

4.3

4.1

4.1

ZiriTadi s

aSual

ebebi d

a a

ramaterial

uri

aqtivebi

9.9

9.8

9.7

9.4

9.3

8.9

8.4

8.4

8.4

8.4

8.2

8.4

sxva w

minda a

qtivebi

3.4

3.4

3.9

3.3

3.6

3.8

3.5

3.4

3.2

3.1

3.2

2.6

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

val

debul

ebebi

81.9

81.8

81.7

82.2

82.5

82.9

83.3

83.2

82.8

82.5

82.6

83.1

bankebis d

epozitebi

2.5

2.5

2.3

2.9

2.9

3.0

3.3

2.9

2.4

2.4

4.2

3.1

arasabanko d

epozitebi

47.8

48.3

48.3

47.8

47.5

47.9

51.2

51.5

52.1

52.0

50.6

52.0

arasabanko d

epozitebi m

oTxovnamde

20.4

20.7

20.3

19.9

20.0

19.9

24.0

24.3

24.5

24.1

23.0

23.9

iuridiul

i p

irebis

vadiani d

epozitebi

5.7

5.5

5.8

5.9

5.6

5.5

5.5

5.5

5.7

6.1

6.1

6.9

fizikuri p

irebis v

adiani d

epozitebi

20.2

20.5

20.7

20.6

20.3

20.5

20.1

20.1

20.4

20.4

19.6

19.6

samTavrobo s

eqtoris d

epozitebi

1.5

1.6

1.5

1.5

1.7

2.0

1.6

1.5

1.5

1.4

1.9

1.5

daricxul

i g

adasaxdel

i p

rocentebi d

a

dividendebi

1.0

0.9

0.9

1.0

1.1

1.2

1.0

1.0

1.0

1.1

1.1

1.1

nasesxebi s

axsrebi

28.7

28.2

28.1

28.4

28.7

28.8

26.1

25.9

25.4

24.9

23.4

24.8

sxva v

al

debul

ebebi

1.9

1.8

2.1

2.0

2.2

2.0

1.7

2.0

1.8

2.1

3.3

2.1

sul

saaqcio k

apital

i18

.118

.218

.317

.817

.517

.116

.716

.817

.217

.517

.416

.9ganaRdebul

i s

awesdebo k

apital

i7.

37.

47.

37.

17.

17.

27.

17.

07.

27.

37.

16.

8kapital

is r

ezervebi

10.6

10.7

10.6

10.3

10.2

9.7

9.3

9.2

9.2

9.2

9.0

8.8

gaunawil

ebel

i m

ogeba

0.1

0.2

0.3

0.4

0.1

0.1

0.4

0.5

0.7

1.0

1.3

1.3

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

procentebSi

____

____

____

____

____

wya

ro

: ko

mer

ciu

li

bank

ebis

nae

rT

i ba

lan

si.

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

Page 29: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

28

3.3

. komerciul

i b

ankebis k

rebsiTi a

qtivebisa d

a p

asivebis d

inamika

gagrZel

eba

naRdi f

ul

adi s

axsrebi

ful

adi s

axsrebi s

abanko a

ngariSebze

fasiani q

aRal

debi

dil

inguri o

peraciebisaTvis

sainvesticio f

asiani q

aRal

debi

wminda s

esxebi

samTavrobo s

esxebi

samewarmeo s

eqtorsa d

a

Sinameurneobebze g

acemul

i s

esxebi

bankTaSorisi s

esxebi

sesxebis S

esaZl

o

danakargebis r

ezervebi (-)

misaRebi p

rocentebi d

a d

ividendebi

investiciebi s

awesdebo k

apital

Si

ZiriTadi s

aSual

ebebi d

a

aramaterial

uri a

qtivebi

sxva w

minda a

qtivebi

mTl

iani a

qtivebi

val

debul

ebebi

bankebis d

epozitebi

arasabanko d

epozitebi

arasabanko d

epozitebi m

oTxovnamde

iuridiul

i p

irebis

vadiani d

epozitebi

fizikuri p

irebis v

adiani d

epozitebi

samTavrobo s

eqtoris d

epozitebi

daricxul

i g

adasaxdel

i

procentebi d

a d

ividendebi

nasesxebi s

axsrebi

sxva v

al

debul

ebebi

sul

saaqcio k

apital

i

ganaRdebul

i s

awesdebo k

apital

i

kapital

is r

ezervebi

gaunawil

ebel

i m

ogeba

01. 1

102

. 11

03. 1

104

. 11

05. 1

106

. 11

07. 1

108

. 11

09. 1

110

. 11

11. 1

112

. 11

4184

6039

5461

4290

5542

6104

4110

7644

1800

4339

7845

7224

4799

1247

2167

4565

8551

5339

2037

072

2191

135

2003

536

1984

225

1928

989

1901

093

1831

010

1982

444

2046

692

1813

414

1837

752

2327

174

1426

2370

2762

3171

2702

6212

8212

1325

213

214

1360

013

891

1629

0

8559

8188

6478

9098

8391

5331

9512

3794

9920

9277

2294

1982

9827

4698

3211

9677

6895

6884

5737

763

5648

991

5773

249

5786

051

5926

555

6324

204

6427

516

6567

738

6832

431

6896

129

6973

784

7202

713

71

1148

811

051

1121

811

723

1494

722

388

2259

222

568

2255

522

715

6337

841

6236

278

6342

896

6346

360

6496

223

6879

825

6980

910

7115

530

7384

498

7452

556

7493

976

7695

135

4522

4395

4265

5004

8065

9166

9137

9114

9153

9148

2117

721

207

6046

0759

1684

5853

9957

6364

5889

5157

6510

5774

7857

9294

5838

1258

8143

5639

2453

6344

8596

279

030

8630

988

659

9115

394

918

1038

7910

4971

9650

910

3514

1063

6099

732

4405

1626

9574

2698

5327

0367

2715

1827

2931

2722

9727

2597

2863

7127

7783

2825

0428

7159

8832

4388

3332

8899

8889

4366

8957

1390

1280

8922

9190

1238

9032

8391

1670

9227

9393

8531

3190

1431

9144

3172

4831

4459

2966

9932

7983

3035

5632

9197

3345

3836

4155

3191

4033

5263

1077

9436

1067

5515

1068

1882

1068

2734

1077

5641

1122

0341

1120

0461

1157

0643

1197

5695

1183

5643

1188

0577

1267

9085

8978

184

8956

788

8930

934

8886

651

8964

725

9385

227

9346

826

9675

644

1004

9042

9893

523

9859

422

1057

4724

4765

6743

1980

4544

8943

0820

4785

1155

6233

5669

2561

0227

6155

1357

3637

5833

5360

7228

5456

046

5471

282

5493

880

5602

527

5536

627

5775

685

5776

634

6000

257

6115

598

6167

833

6039

174

6744

967

2381

489

2422

921

2425

150

2481

731

2358

084

2436

520

2474

119

2665

511

2744

504

2683

802

2561

884

2944

248

6871

7269

4119

6867

4876

6130

7671

0080

3780

7586

8875

4670

7687

0880

8406

7537

1796

4464

2155

433

2134

288

2127

004

2109

652

2164

196

2216

399

2243

481

2282

360

2309

223

2359

756

2377

357

2502

551

2319

5121

9955

2549

7824

5014

2472

4831

8987

3003

4729

7716

2931

6231

5869

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3705

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318

1036

7710

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1193

9512

2080

1171

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1236

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2646

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2639

560

2556

396

2383

931

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2502

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2523

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159

2739

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973

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2640

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2944

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4045

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8422

3626

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4544

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3244

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253

1718

728

1750

948

1796

082

1810

915

1835

114

1853

636

1894

998

1926

653

1942

120

2021

155

2104

361

7226

7273

1341

7313

4173

3673

7555

2675

6040

7640

7577

8968

7788

8477

8723

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4383

7393

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5593

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2993

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3616

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8295

9293

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1500

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8547

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1068

2734

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5641

1122

0341

1120

0461

1157

0643

1197

5695

1183

5643

1188

0577

1267

9085

periodis b

ol

os; aTasi l

ari

____

____

____

____

____

wya

ro

: ko

mer

ciu

li

bank

ebis

nae

rT

i ba

lan

si.

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

Page 30: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

29

3.3

. komerciul

i b

ankebis k

rebsiTi a

qtivebisa d

a p

asivebis d

inamika

gagrZel

eba

naRdi f

ul

adi s

axsrebi

ful

adi s

axsrebi s

abanko a

ngariSebze

fasiani q

aRal

debi

dil

inguri o

peraciebisaTvis

sainvesticio f

asiani q

aRal

debi

wminda s

esxebi

samTavrobo s

esxebi

samewarmeo s

eqtorsa d

a

Sinameurneobebze g

acemul

i s

esxebi

bankTaSorisi s

esxebi

sesxebis S

esaZl

o d

anakargebis

rezervebi (-)

daricxul

i m

isaRebi p

rocentebi d

a

dividendebi

investiciebi s

awesdebo k

apital

Si

ZiriTadi s

aSual

ebebi d

a a

ramaterial

uri

aqtivebi

sxva w

minda a

qtivebi

val

debul

ebebi

bankebis d

epozitebi

arasabanko d

epozitebi

arasabanko d

epozitebi m

oTxovnamde

iuridiul

i p

irebis

vadiani d

epozitebi

fizikuri p

irebis v

adiani d

epozitebi

samTavrobo s

eqtoris d

epozitebi

daricxul

i g

adasaxdel

i p

rocentebi d

a

dividendebi

nasesxebi s

axsrebi

sxva v

al

debul

ebebi

sul

saaqcio k

apital

i

ganaRdebul

i s

awesdebo k

apital

i

kapital

is r

ezervebi

gaunawil

ebel

i m

ogeba

01. 1

102

. 11

03. 1

104

. 11

05. 1

106

. 11

07. 1

108

. 11

09. 1

110

. 11

11. 1

112

. 11

3.9

3.7

4.0

4.0

3.8

3.9

3.9

4.0

4.0

4.0

3.8

4.1

18.9

20.5

18.8

18.6

17.9

16.9

16.3

17.1

17.1

15.3

15.5

18.4

0.0

0.0

0.0

0.0

0.0

0.1

0.1

0.1

0.1

0.1

0.1

0.1

7.9

8.3

8.5

8.6

8.8

8.5

8.3

8.1

8.2

8.3

8.1

7.5

53.2

52.9

54.0

54.2

55.0

56.4

57.4

56.8

57.1

58.3

58.7

56.8

0.0

0.0

0.1

0.1

0.1

0.1

0.1

0.2

0.2

0.2

0.2

0.2

58.8

58.4

59.4

59.4

60.3

61.3

62.3

61.5

61.7

63.0

63.1

60.7

0.0

0.0

0.0

0.0

0.1

0.1

0.1

0.1

0.1

0.1

0.2

0.2

5.6

5.5

5.5

5.4

5.5

5.1

5.2

5.0

4.9

5.0

4.7

4.2

0.8

0.7

0.8

0.8

0.8

0.8

0.9

0.9

0.8

0.9

0.9

0.8

4.1

2.5

2.5

2.5

2.5

2.4

2.4

2.4

2.4

2.3

2.4

2.3

8.2

8.3

8.3

8.4

8.3

8.0

8.0

7.8

7.5

7.7

7.8

7.4

3.0

3.0

3.0

2.9

2.8

2.9

2.7

2.8

2.8

3.1

2.7

2.6

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

83.3

83.9

83.6

83.2

83.2

83.6

83.5

83.6

83.9

83.6

83.0

83.4

4.4

4.0

4.3

4.0

4.4

5.0

5.1

5.3

5.1

4.8

4.9

4.8

50.6

51.3

51.4

52.4

51.4

51.5

51.6

51.9

51.1

52.1

50.8

53.2

22.1

22.7

22.7

23.2

21.9

21.7

22.1

23.0

22.9

22.7

21.6

23.2

6.4

6.5

6.4

7.2

7.1

7.2

6.8

6.5

6.4

6.8

6.3

7.6

20.0

20.0

19.9

19.7

20.1

19.8

20.0

19.7

19.3

19.9

20.0

19.7

2.2

2.1

2.4

2.3

2.3

2.8

2.7

2.6

2.4

2.7

2.9

2.6

1.0

0.9

1.0

1.0

1.1

1.1

1.0

1.1

1.0

1.1

1.2

1.1

24.5

24.7

23.9

22.3

22.5

22.3

22.5

22.0

22.9

21.6

22.5

20.8

2.7

2.9

3.0

3.4

3.8

3.8

3.2

3.5

3.8

3.9

3.5

3.5

16.7

16.1

16.4

16.8

16.8

16.4

16.5

16.4

16.1

16.4

17.0

16.6

6.7

6.9

6.8

6.9

7.0

6.7

6.8

6.7

6.5

6.6

6.7

6.6

8.6

8.8

8.7

8.8

8.8

8.4

8.3

8.1

7.8

7.8

7.8

7.4

1.4

0.5

0.8

1.2

1.0

1.2

1.4

1.6

1.8

2.0

2.5

2.6

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

procentebSi

____

____

____

____

____

wya

ro

: ko

mer

ciu

li

bank

ebis

nae

rT

i ba

lan

si.

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

Page 31: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

30

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi

ian ian - Teb ian - mar ian - apr ian - mai ian - ivn

Semosavlebi 110357 216453 333638 449681 579491 723862procentuli Semosavlebi 81960 160445 245954 326766 418006 510882

"nostro" angariSebidan 92 305 595 832 1207 1638sesxebidan 79088 154520 236522 313717 400259 488082

bankTaSorisi sesxebidan 39 74 113 151 191 233fizikuri pirebis sesxebidan 37367 71928 111168 147943 187863 227344iuridiuli pirebis sesxebidan 41683 82519 125241 165623 212204 260505

fasiani qaRaldebidan 2266 4514 7052 9620 12695 16006sxva Semosavlebi 515 1105 1786 2597 3846 5156

araprocentuli Semosavlebi 28397 56008 87684 122915 161485 212980sakomisioebi da Semosavlebi gaweuli

momsaxurebidan7696 15600 25898 35272 45146 56455

sakonversio operaciebidan miRebuli

wminda mogeba/zarali5909 11668 19089 26984 34773 48172

fasiani qaRaldebis dilingidan miRebuli

wminda mogeba/zarali-181 -170 116 250 -72 -495

sxva araprocentuli Semosavlebi 14972 28910 42581 60409 81638 108847xarjebi 107239 211454 311784 417062 540916 680167

procentuli xarjebi 41709 79956 122372 163288 207513 250234depozitebze 24695 47555 73013 97494 121727 146768

mimdinare depozitebze 3231 6665 10445 13918 17676 21359vadian depozitebze 21464 40890 62569 83576 104051 125409

bankTaSoris depozitebze 1092 2104 3183 4367 5633 6937sxva nasesxeb saxsrebze 15922 30296 46173 61423 80146 96520sxva xarjebi 0 1 3 5 7 9

araprocentuli xarjebi 52063 100059 149814 201743 257335 319720aparatis Senaxvis xarjebi 21471 42478 64832 86732 107258 131580

fiqsirebuli aqtivebis, masala-

inventarisa da saeqsploatacio xarjebi6452 12685 19230 25531 31905 37910

sxva araprocentuli xarjebi 24139 44896 65752 89481 118173 150230 zarali aqtivebis SesaZlo danakargebis

mixedviT13467 31439 39598 52031 76067 110213

sesxebze 9604 24415 30274 39445 64022 92546fasian qaRaldebze 4 22 22 30 86 86sxva aqtivebze 3858 7002 9302 12556 11959 17581

mogeba gadasaxadebis gadaxdamde da

gauTvaliswinebel xarjebamde (sabalanso

mogeba)

3118 4999 21854 32618 38576 43695

gauTvaliswinebeli Semosavali / xarjebi (-) -5119 -5240 -5646 -5953 -6061 -6269gadaxdili gadasaxadebi 718 1410 870 2303 3734 132wminda mogeba / zarali (-) -2720 -1651 15337 24362 28781 37294

wyaro: komerciuli bankebis naerTi balansi.

2010

periodis bolos; aTasi lari

* Awyaro: komerciuli bankebis naerTi balansi.

Page 32: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

31

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi

gagrZeleba

Semosavlebi

procentuli Semosavlebi

"nostro" angariSebidan

sesxebidan

bankTaSorisi sesxebidan

fizikuri pirebis sesxebidan

iuridiuli pirebis sesxebidan

fasiani qaRaldebidan

sxva Semosavlebi

araprocentuli Semosavlebi

sakomisioebi da Semosavlebi gaweuli

momsaxurebidan

sakonversio operaciebidan miRebuli

wminda mogeba/zarali

fasiani qaRaldebis dilingidan miRebuli

wminda mogeba/zarali

sxva araprocentuli Semosavlebi

xarjebi

procentuli xarjebi

depozitebze

mimdinare depozitebze

vadian depozitebze

bankTaSoris depozitebze

sxva nasesxeb saxsrebze

sxva xarjebi

araprocentuli xarjebi

aparatis Senaxvis xarjebi

fiqsirebuli aqtivebis, masala-

inventarisa da saeqsploatacio xarjebi

sxva araprocentuli xarjebi

zarali aqtivebis SesaZlo danakargebis

mixedviT

sesxebze

fasian qaRaldebze

sxva aqtivebze

mogeba gadasaxadebis gadaxdamde da

gauTvaliswinebel xarjebamde (sabalanso

mogeba)

gauTvaliswinebeli Semosavali / xarjebi (-)

gadaxdili gadasaxadebi

wminda mogeba / zarali (-)

wyaro: komerciuli bankebis naerTi balansi.

ian - ivl ian - agv ian - seq ian - oqt ian - noe ian - dek

853960 983655 1117687 1242548 1389735 1553053605902 701469 797345 887524 990058 10983772254 2860 3534 4207 4790 5536

576807 665305 754263 836643 930988 1029834321 319 360 402 442 764

268456 309397 351727 391435 434458 478833308029 355589 402176 444807 496087 55023719902 24640 29272 34476 39953 464246939 8664 10275 12198 14327 16583

248058 282187 320343 355024 399676 454676

67409 78565 89305 99988 111539 124546

55729 63442 72367 79850 88257 97810

-297 -364 18 138 409 608

125216 140543 158654 175048 199470 231712785566 901083 1009043 1105687 1211054 1365780295191 339531 381428 425472 469145 514363172556 198436 223554 250067 276644 30408125184 29092 32849 36884 41403 46163147373 169344 190705 213183 235240 2579178526 10039 11020 12102 13475 14984

114097 130965 146730 163076 178534 19442412 91 124 227 492 874

373070 428993 487779 541113 601161 698286153738 179911 203429 224748 247627 284605

44559 51035 57297 63600 69970 77423

174773 198047 227053 252766 283563 336258

117305 132559 139836 139101 140748 153131

92049 101969 101760 98184 90536 100061355 460 12367 13292 14792 3123

24901 30131 25709 27626 35420 49947

68394 82572 108644 136862 178680 187273

-7543 -8589 -8991 -9519 -10256 -100331269 2344 4368 5914 9795 2097059582 71640 95285 121429 158629 156270

2010

periodis bolos; aTasi lari

* Awyaro: komerciuli bankebis naerTi balansi.

Page 33: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

32

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi

gagrZeleba

Semosavlebi

procentuli Semosavlebi

"nostro" angariSebidan

sesxebidan

bankTaSorisi sesxebidan

fizikuri pirebis sesxebidan

iuridiuli pirebis sesxebidan

fasiani qaRaldebidan

sxva Semosavlebi

araprocentuli Semosavlebi

sakomisioebi da Semosavlebi gaweuli

momsaxurebidan

sakonversio operaciebidan miRebuli

wminda mogeba/zarali

fasiani qaRaldebis dilingidan miRebuli

wminda mogeba/zarali

sxva araprocentuli Semosavlebi

xarjebi

procentuli xarjebi

depozitebze

mimdinare depozitebze

vadian depozitebze

bankTaSoris depozitebze

sxva nasesxeb saxsrebze

sxva xarjebi

araprocentuli xarjebi

aparatis Senaxvis xarjebi

fiqsirebuli aqtivebis, masala-

inventarisa da saeqsploatacio xarjebi

sxva araprocentuli xarjebi

zarali aqtivebis SesaZlo danakargebis

mixedviT

sesxebze

fasian qaRaldebze

sxva aqtivebze

mogeba gadasaxadebis gadaxdamde da

gauTvaliswinebel xarjebamde (sabalanso

mogeba)

gauTvaliswinebeli Semosavali / xarjebi (-)

gadaxdili gadasaxadebi

wminda mogeba / zarali (-)

wyaro: komerciuli bankebis naerTi balansi.

ian ian - Teb ian - mar ian - apr ian - mai ian - ivn

150585 289673 447273 605239 770440 936780102138 194938 299319 401876 508746 613660

557 1174 1805 2472 3256 401492070 175241 268361 360014 455116 548763

41 78 116 156 225 32541663 81574 125688 168584 214369 25962850367 93589 142557 191274 240522 2888107180 14141 22460 30422 38754 467142330 4382 6693 8968 11620 1417048447 94735 147953 203363 261694 323119

10909 20974 33014 43855 57241 73088

9953 19066 28656 43762 50283 61729

-3 -46 44 92 87 -24

27589 54741 86239 115654 154083 188326135657 242548 365509 483877 635273 78134346789 90228 138739 186635 237175 28667828065 54158 84443 113922 145789 1772074304 8409 13641 18608 23852 2978023760 45749 70803 95314 121937 1474271679 3274 4921 6935 9297 1182116628 31966 47755 63274 78520 92946418 830 1620 2504 3569 4704

67836 137426 210060 286056 360685 44201824999 49743 75060 100405 126410 154991

6558 12680 19258 25551 31976 38679

36280 75003 115743 160101 202299 248348

21032 14894 16710 11186 37413 52647

21082 11728 12845 3465 16090 258420 11 53 61 13195 13195

-50 3155 3811 7660 8128 13610

14928 47124 81764 121362 135167 155436

-418 -32041 -35093 -34976 -29752 -317262189 4358 2690 5018 7211 457012321 10724 43981 81368 98204 119140

2011

periodis bolos; aTasi lari

* Awyaro: komerciuli bankebis naerTi balansi.

Page 34: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

33

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi

gagrZeleba

Semosavlebi

procentuli Semosavlebi

"nostro" angariSebidan

sesxebidan

bankTaSorisi sesxebidan

fizikuri pirebis sesxebidan

iuridiuli pirebis sesxebidan

fasiani qaRaldebidan

sxva Semosavlebi

araprocentuli Semosavlebi

sakomisioebi da Semosavlebi gaweuli

momsaxurebidan

sakonversio operaciebidan miRebuli

wminda mogeba/zarali

fasiani qaRaldebis dilingidan miRebuli

wminda mogeba/zarali

sxva araprocentuli Semosavlebi

xarjebi

procentuli xarjebi

depozitebze

mimdinare depozitebze

vadian depozitebze

bankTaSoris depozitebze

sxva nasesxeb saxsrebze

sxva xarjebi

araprocentuli xarjebi

aparatis Senaxvis xarjebi

fiqsirebuli aqtivebis, masala-

inventarisa da saeqsploatacio xarjebi

sxva araprocentuli xarjebi

zarali aqtivebis SesaZlo danakargebis

mixedviT

sesxebze

fasian qaRaldebze

sxva aqtivebze

mogeba gadasaxadebis gadaxdamde da

gauTvaliswinebel xarjebamde (sabalanso

mogeba)

gauTvaliswinebeli Semosavali / xarjebi (-)

gadaxdili gadasaxadebi

wminda mogeba / zarali (-)

wyaro: komerciuli bankebis naerTi balansi.

ian - ivl ian - agv ian - seq ian - oqt ian - noe ian - dek

1117679 1306468 1468354 1666281 1842122 2037738724873 827778 940530 1059681 1177451 13029134777 5594 6620 7377 7916 8776

648059 739146 840002 946978 1053461 1166560431 536 636 750 904 1131

308943 352968 403555 455222 505971 561040338684 385642 435812 491007 546585 60438955214 63399 71277 79676 87555 9553916824 19639 22631 25650 28518 32039392806 478689 527824 606599 664672 734825

94531 120696 137332 153696 168436 188520

70875 82349 81913 100433 101997 108777

-230 -969 -1217 -841 -576 1636

227629 276614 309796 353310 394814 435892927298 1084319 1212416 1393891 1521758 1677039339452 394059 446638 504167 560485 624854209901 244362 276399 311929 347526 39074035829 42775 49831 57108 64880 75353174072 201587 226568 254822 282646 31538714624 17750 21237 24833 28201 31626109054 124913 140816 158000 174162 1906775874 7034 8185 9405 10596 11810

530587 625641 697412 793770 867098 973625181032 208345 235529 262103 282839 322005

46332 53076 60680 67913 74926 87308

303223 364220 401203 463754 509333 564311

57260 64620 68366 95954 94175 78560

26449 29696 37456 54620 45513 2942013204 13204 13204 22123 22101 2081517606 21720 17707 19210 26561 28324

190381 222148 255938 272390 320364 360699

-30502 -30334 -28368 -23469 -17094 -222657180 9772 12524 14180 12987 15397

152698 182042 215047 234741 290283 323037

periodis bolos; aTasi lari

2011

* Awyaro: komerciuli bankebis naerTi balansi.

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34

3.5

komerciul

i b

ankebis m

ier g

acemul

i s

esxebiT d

aval

ianebis m

ocul

oba d

a s

truqtura

01.01.10

01.02.10

01.03.10

01.04.10

01.05.10

01.06.10

01.07.10

01.08.10

01.09.10

01.10.10

01.11.10

01.12.10

ekonomikis d

aval

ianeba, sul

5253905

5316337

5344523

5417226

5571138

5666022

5802801

5864455

5936873

5910868

5843874

6088058

vad

iani

ses

xebi

5021328

5025795

5055027

5122025

5277389

5367272

5528755

5590394

5634453

5637373

5567489

5818137

mokl

evad

iani

ses

xebi

1188206

1138555

1137865

1153126

1246539

1298068

1366989

1361467

1390118

1412582

1321307

1382250

grZe

lva

dia

ni s

esxe

bi3833123

3887240

3917163

3968899

4030850

4069203

4161765

4228928

4244335

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4246182

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agad

acil

ebu

li

sesx

ebi

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210941

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216310

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201217

201599

226863

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204307

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mokl

evad

iani

ses

xebi

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118835

117959

113615

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102214

110975

124683

106112

109474

113447

grZe

lva

dia

ni s

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92106

93700

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112074

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99002

90624

102180

96346

94834

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icxu

li

da

misa

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i pr

oc

ent

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ian

sesx

ebz

e21102

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21288

20635

19318

grZe

lva

dia

n se

sxeb

ze

51681

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57331

56712

55306

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52373

53909

49749

51442

47502

ekonomikis d

aval

ianeba, sul

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

100.0

vad

iani

ses

xebi

95.6

94.5

94.6

94.6

94.7

94.7

95.3

95.3

94.9

95.4

95.3

95.6

mokl

evad

iani

ses

xebi

22.6

21.4

21.3

21.3

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22.9

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23.2

23.4

23.9

22.6

22.7

grZe

lva

dia

ni s

esxe

bi73.0

73.1

73.3

73.3

72.4

71.8

71.7

72.1

71.5

71.5

72.7

72.9

vad

agad

acil

ebu

li

sesx

ebi

3.0

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3.8

3.5

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3.4

3.5

3.3

mokl

evad

iani

ses

xebi

1.4

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2.2

2.1

1.9

1.9

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1.8

1.9

1.9

grZe

lva

dia

ni s

esxe

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1.7

1.8

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1.6

1.5

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icxu

li

da

misa

Reb

i pr

oc

ent

ebi

1.4

1.5

1.5

1.4

1.4

1.4

1.3

1.2

1.3

1.2

1.2

1.1

mokl

evad

ian

sesx

ebz

e0.4

0.4

0.4

0.4

0.4

0.4

0.3

0.3

0.4

0.4

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grZe

lva

dia

n se

sxeb

ze

1.0

1.1

1.1

1.0

1.0

1.0

0.9

0.9

0.9

0.8

0.9

0.8

pro

cen

to

biT

, %

aTas

i l

ari

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is s

tat

ist

iku

ri

anga

riS

ebi.

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35

3.5

komerciul

i b

ankebis m

ier g

acemul

i s

esxebiT d

aval

ianebis m

ocul

oba d

a s

truqtura

gagr

Zel

eba

01.0

1.10

01.0

2.10

01.0

3.10

01.0

4.10

01.0

5.10

01.0

6.10

01.0

7.10

01.0

8.10

01.0

9.10

01.1

0.10

01.1

1.10

01.1

2.10

daval

ianeba e

rovnul

i v

al

utiT

1217

747

1222

372

1232

477

1309

413

1389

402

1458

335

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042

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ses

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1145

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1436

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663

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iani

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xebi

4833

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ni s

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adac

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525

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513

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dar

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li

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2057

022

972

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2106

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ebz

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1174

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n se

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9852

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1231

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212

351

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cxouri v

al

utiT

4036

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4272

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4320

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981

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vad

iani

ses

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3876

174

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3919

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4156

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4044

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mokl

evad

iani

ses

xebi

7048

8067

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2560

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ni s

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7129

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klev

adia

ni s

esxe

bi47

327

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455

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vad

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ses

xebi

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821

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dar

icxu

li

da

misa

Reb

i pr

oc

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5221

356

629

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416

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5174

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551

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5125

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053

mokl

evad

ian

sesx

ebz

e10

384

1122

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742

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498

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Zel

vad

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sesx

ebz

e41

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4424

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3566

3

aTas

i l

ari

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is s

tat

ist

iku

ri

anga

riS

ebi.

Page 37: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

36

3.5

komerciul

i b

ankebis m

ier g

acemul

i s

esxebiT d

aval

ianebis m

ocul

oba d

a s

truqtura

gagr

Zel

eba

ekonomikis d

aval

ianeba, sul

vad

iani

ses

xebi

mokl

evad

iani

ses

xebi

grZe

lva

dia

ni s

esxe

biva

dag

adac

ileb

ul

i se

sxeb

i

mokl

evad

iani

ses

xebi

grZe

lva

dia

ni s

esxe

bid

aric

xul

i d

a mi

saR

ebi

pro

cen

teb

i

mokl

evad

ian

sesx

ebz

e

grZe

lva

dia

n se

sxeb

ze

ekonomikis d

aval

ianeba, sul

vad

iani

ses

xebi

mokl

evad

iani

ses

xebi

grZe

lva

dia

ni s

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dag

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mokl

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is s

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ri

anga

riS

ebi.

Page 38: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

37

3.5

komerciul

i b

ankebis m

ier g

acemul

i s

esxebiT d

aval

ianebis m

ocul

oba d

a s

truqtura

gagr

Zel

eba

daval

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rovnul

i v

al

utiT

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iani

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mokl

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ul

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112

4616

512

9939

913

4835

113

7075

557

856

5658

159

058

6359

265

143

6540

350

299

4878

749

449

5244

154

619

6067

661

138

4606

744

709

4660

551

349

4950

151

111

3702

235

377

3610

838

070

3935

744

472

4487

011

789

1187

112

453

1224

315

642

1429

213

277

1341

013

341

1437

115

262

1620

416

267

2111

122

353

2166

422

164

2350

624

354

2493

725

676

2692

127

146

2805

228

569

2918

794

5010

499

1033

898

9010

374

1102

211

466

1085

012

676

1289

013

209

1377

213

728

1166

111

854

1132

612

274

1313

213

332

1347

114

826

1424

514

257

1484

314

797

1545

946

8307

947

7655

346

6411

147

1859

046

5417

547

4963

150

3611

750

6742

250

7829

352

1700

452

5539

052

2923

653

7629

345

1549

845

9757

644

9031

445

3915

744

8399

545

6658

948

5859

248

7966

248

9234

550

3854

250

7687

250

4618

551

8238

384

2117

8379

8581

7497

8670

9484

1225

8083

5381

7721

8185

1575

0729

8235

8082

2017

8070

9882

4954

3673

381

3759

591

3672

817

3672

063

3642

770

3758

236

4040

871

4061

147

4141

616

4214

961

4254

856

4239

087

4357

429

1161

1112

3489

1244

1212

4921

1159

7312

7502

1203

6112

5685

1262

7612

2939

1174

3011

9602

1378

0449

690

5180

854

252

4613

144

396

5182

747

834

5138

748

924

4355

345

083

4723

056

206

6642

171

682

7016

078

791

7157

775

675

7252

774

298

7735

279

386

7234

772

372

8159

951

470

5548

849

384

5451

154

208

5554

057

164

6207

559

672

5552

461

088

6344

956

105

1160

213

157

1163

212

991

1278

512

386

1102

214

288

1397

699

7712

017

1093

510

371

3986

742

331

3775

341

520

4142

243

154

4614

247

787

4569

645

546

4907

152

514

4573

3

aTas

i l

ari

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is s

tat

ist

iku

ri

anga

riS

ebi.

Page 39: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

38

sulreziden-

tebze

ararezi-

dentebzesul

reziden-

tebze

ararezi-

dentebze

sul 4367131 4308725 58407 3172983 3140818 32165maT Soris:

bankTaSorisi sesxebi 21207 17031 4176 x x xerovnuli valutiT 17031 17031 X x x xucxouri valutiT 4176 0 4176 x x x

sxva klientebze gacemuli sesxebi 4345924 4291693 54231 3172983 3140818 32165erovnuli valutiT 815058 807161 7897 1521467 1519305 2162ucxouri valuti 3530867 3484533 46334 1651517 1621513 30003

sul 14.2 14.2 13.7 20.9 21.0 12.9maT Soris:

bankTaSorisi sesxebi 12.8 13.3 11.0 x x xerovnuli valutiT 13.3 13.3 x x x xucxouri valutiT 11.0 0.0 11.0 x x x

sxva klientebze gacemuli sesxebi 14.2 14.2 13.9 20.9 21.0 12.9erovnuli valutiT 15.2 15.2 14.9 26.7 26.7 21.8ucxouri valutiT 13.9 13.9 13.7 15.6 15.6 12.3

wyaro: komerciuli bankebis statistikuri angariSebi.

3.6. komerciuli bankebis mier gacemuli vadiani sesxebiT davalianebis

moculoba debitorebis kategoriebis mixedviT (2012 wlis pirveli ianvris mdgomareobiT)

aTasi lari

saprocento ganakveTebi,%

iuridiul pirebze gacemuli sesxebi fizikur pirebze gacemuli sesxebi

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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39

sulreziden-

tebze

ararezi-

dentebzesul

reziden-

tebze

ararezi-

dentebze

sul 622063 617487 4576 503952 487967 15985maT Soris:

bankTaSorisi sesxebi 2 2 0 x x xerovnuli valutiT 2 2 X x x xucxouri valutiT 0 0 0 x x x

sxva klientebze gacemuli sesxebi 622061 617484 4576 503952 487967 15985erovnuli valutiT 181719 181719 0 342127 341805 321ucxouri valutiT 440341 435765 4576 161826 146162 15664

sul 14.4 14.4 12.9 25.2 25.7 11.8 maT Soris:

bankTaSorisi sesxebi 0.0 0.0 0.0 x x xerovnuli valutiT 0.0 0.0 x x x xucxouri valutiT 0.0 0.0 0.0 x x x

sxva klientebze gacemuli sesxebi 14.4 14.4 12.9 25.2 25.7 11.8erovnuli valutiT 15.1 15.1 0.0 27.9 27.9 26.0ucxouri valutiT 14.1 14.2 12.9 19.5 20.3 11.5

wyaro: komerciuli bankebis statistikuri angariSebi.

3.7. komerciuli bankebis mier saangariSo periodSi gacemuli vadiani sesxebi debitorebis

kategoriebis mixedviT

aTasi lari

saprocento ganakveTebi,%

iuridiul pirebze gacemuli sesxebi fizikur pirebze gacemuli sesxebi

dekemberi, 2011

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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40

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde6-dan 12

Tvemde12 Tveze meti

1.01.10 1145154 94077 47706 101313 240229 6618281.02.10 1126228 92238 41550 98425 229743 6642731.03.10 1135153 87912 46439 81152 224063 6955871.04.10 1198017 89485 48059 83589 245153 7317311.05.10 1275351 94183 58705 84312 292550 7456001.06.10 1344844 100050 61339 91488 299864 7921021.07.10 1429343 103525 63920 109523 297502 8548731.08.10 1436687 108867 41659 99215 319166 8677801.09.10 1478073 122246 39940 108722 334651 8725131.10.10 1521463 109538 50415 106497 371838 8831751.11.10 1522663 100168 49173 99409 392367 8815461.12.10 1539246 103265 48563 102685 403943 8807891.01.11 1566808 103309 61283 106861 420721 8746341.02.11 1560202 112073 47215 95173 431475 8742661.03.11 1562493 107086 46689 91027 444378 8733141.04.11 1626714 110665 57660 107851 452850 8976871.05.11 1692300 113881 54005 109857 443294 9712631.06.11 1747948 116458 39344 150162 457298 9846861.07.11 1862297 121082 53545 140368 503825 10434771.08.11 1941723 121210 67192 126343 529950 10970281.09.11 2069848 132515 72865 120818 591539 11521111.10.11 2193168 136592 75881 130730 603801 12461651.11.11 2226203 136010 58734 109422 622639 12993991.12.11 2289615 140067 47290 125977 627931 13483511.01.12 2336524 141729 62876 129910 631254 1370755

1.01.10 23.6 31.5 25.6 18.5 24.3 22.91.02.10 23.6 31.4 26.6 18.7 24.9 22.51.03.10 23.4 32.0 24.9 19.7 25.5 22.01.04.10 23.3 32.0 24.7 19.5 25.2 21.91.05.10 22.8 31.3 24.1 19.2 23.6 21.71.06.10 22.5 31.7 23.8 18.7 23.8 21.21.07.10 22.2 31.9 22.9 18.3 24.1 20.81.08.10 22.2 31.7 25.4 18.0 24.1 20.61.09.10 22.1 30.6 25.5 17.9 24.2 20.51.10.10 22.2 32.4 23.0 18.2 24.3 20.41.11.10 22.3 33.4 22.7 18.8 24.5 20.41.12.10 22.5 34.4 23.8 18.7 24.9 20.41.01.11 22.9 35.5 23.3 18.7 25.4 20.61.02.11 22.9 33.9 27.7 18.5 25.5 20.51.03.11 22.9 34.8 27.8 18.6 25.3 20.41.04.11 22.7 34.9 23.6 17.8 25.6 20.31.05.11 22.6 35.1 24.9 17.9 26.5 19.71.06.11 22.7 35.1 32.5 17.7 27.1 19.61.07.11 22.5 34.8 27.0 18.0 26.8 19.41.08.11 22.5 35.6 23.4 18.4 27.3 19.21.09.11 22.3 32.7 22.1 18.6 26.8 19.21.10.11 22.3 32.0 22.0 18.4 27.5 19.11.11.11 22.4 32.5 24.6 18.9 27.6 19.11.12.11 22.5 32.2 29.2 18.6 27.7 19.11.01.12 22.7 32.1 25.7 19.5 28.1 19.3

saprocento ganakveTebi,%

maT Soris:

3.8 komerciuli bankebis mier erovnuli valutiT gacemuli vadiani sesxebiT davalianebis

moculoba da wliuri saSualo Sewonili saprocento ganakveTebi

aTasi lari

vadiani sesxebi,

sul

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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41

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

1.01.10 387285 6265 11973 42472 47435 2791411.02.10 398971 6961 8057 41682 49988 2922821.03.10 403573 5557 11741 39583 53324 2933681.04.10 432190 3414 11823 40193 65556 3112031.05.10 457102 4808 27264 41880 69237 3139131.06.10 491812 7681 23588 44518 70620 3454061.07.10 512152 4631 26355 51674 65169 3643231.08.10 490523 5113 7391 40280 71407 3663321.09.10 468576 4475 4324 40169 69308 3502991.10.10 492781 4103 6226 40466 85741 3562451.11.10 488805 2926 8380 33845 82802 3608521.12.10 451094 3096 5306 28404 78319 3359701.01.11 425592 2433 13854 34252 66810 3082421.02.11 419203 2101 9496 32585 63258 3117631.03.11 410464 2539 10166 30734 65082 3019431.04.11 431636 2321 8069 29920 65740 3255861.05.11 408971 3467 7191 27657 62891 3077661.06.11 403996 3893 2577 32437 61774 3033151.07.11 412259 1765 3079 26394 70126 3108961.08.11 420952 2716 14654 20924 68062 3145961.09.11 428125 1992 17432 19356 64986 3243601.10.11 431327 8842 6496 24328 59803 3318581.11.11 449621 4258 7875 12974 67280 3572341.12.11 489567 1289 3035 14868 59799 4105761.01.12 639880 6996 9657 29607 86861 506758

1.01.10 23.6 31.5 25.6 18.5 24.3 22.91.02.10 23.6 31.4 26.6 18.7 24.9 22.51.03.10 23.5 32.0 24.9 19.7 25.5 22.01.04.10 23.4 32.0 24.7 19.5 25.2 21.91.05.10 22.9 31.3 24.1 19.2 23.6 21.71.06.10 22.6 31.7 23.8 18.7 23.8 21.21.07.10 22.3 31.9 22.9 18.3 24.1 20.81.08.10 22.2 31.7 25.4 18.0 24.1 20.61.09.10 22.1 30.6 25.5 17.9 24.2 20.51.10.10 22.2 32.4 23.0 18.2 24.3 20.41.11.10 22.3 33.4 22.7 18.8 24.5 20.41.12.10 22.5 34.4 23.8 18.7 24.9 20.41.01.11 22.9 35.5 23.3 18.7 25.4 20.61.02.11 22.9 33.9 27.7 18.5 25.5 20.51.03.11 22.9 34.8 27.8 18.6 25.3 20.41.04.11 22.7 34.9 23.6 17.8 25.6 20.31.05.11 22.5 35.1 24.9 17.9 26.5 19.71.06.11 22.6 35.1 32.5 17.7 27.1 19.61.07.11 22.5 34.8 27.0 18.0 26.8 19.41.08.11 22.4 35.6 23.4 18.4 27.3 19.21.09.11 22.3 32.7 22.1 18.6 26.8 19.21.10.11 22.2 32.0 22.0 18.4 27.5 19.11.11.11 22.4 32.5 24.6 18.9 27.6 19.11.12.11 22.4 32.2 29.2 18.6 27.7 19.11.01.12 22.6 32.1 25.7 19.5 28.1 19.3

3.8.1. komerciuli bankebis mier erovnuli valutiT gacemuli uZravi qonebiT

uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento

ganakveTebi

vadiani sesxebi,

sul

uZravi qonebiT uzrunvelyofili sesxebi, aTasi lari

maT Soris:

saprocento ganakveTebi yvela saxis sesxze,%

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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42

gagrZeleba

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

3.8.1. komerciuli bankebis mier erovnuli valutiT gacemuli uZravi qonebiT

uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento

ganakveTebi

vadiani sesxebi,

sul

maT Soris:

1.01.10 18.1 18.2 18.4 18.5 18.6 18.11.02.10 18.0 17.8 18.7 18.3 18.7 17.81.03.10 17.8 17.6 17.7 18.2 18.3 17.81.04.10 17.7 17.9 17.8 17.9 17.9 17.81.05.10 17.6 17.7 19.2 17.8 17.8 17.51.06.10 17.4 16.7 19.0 17.4 17.6 17.31.07.10 17.1 16.7 18.0 17.1 17.1 17.11.08.10 16.9 16.6 15.4 16.1 17.0 17.01.09.10 16.8 17.0 15.0 16.0 16.8 16.91.10.10 16.7 15.7 15.2 15.8 16.4 16.91.11.10 16.6 16.8 15.4 15.9 16.4 16.71.12.10 16.6 17.5 15.9 16.1 16.1 16.81.01.11 16.5 17.1 15.4 15.6 16.1 16.81.02.11 16.4 17.3 15.5 15.4 16.0 16.61.03.11 16.4 19.1 15.4 15.5 15.8 16.61.04.11 16.1 17.0 14.6 15.6 15.7 16.21.05.11 16.3 16.8 14.7 15.7 15.7 16.51.06.11 16.2 15.9 16.5 15.4 15.7 16.41.07.11 16.1 16.9 16.4 15.8 15.2 16.41.08.11 15.9 15.9 13.8 15.4 15.0 16.21.09.11 15.8 16.8 13.5 15.3 15.1 16.11.10.11 15.7 14.4 13.9 14.6 15.0 16.01.11.11 15.5 15.0 13.8 15.3 14.7 15.81.12.11 15.4 15.9 15.8 14.7 14.8 15.51.01.12 15.6 13.0 15.0 15.7 15.2 15.7

1.01.10 26.5 32.4 27.9 18.5 25.7 26.31.02.10 26.7 32.5 28.4 19.0 26.6 26.31.03.10 26.6 32.9 27.4 21.1 27.7 25.11.04.10 26.6 32.6 26.9 21.0 27.9 25.01.05.10 25.8 32.1 28.4 20.6 25.4 24.81.06.10 25.6 32.9 26.8 20.0 25.8 24.31.07.10 25.2 32.6 26.3 19.4 26.0 23.61.08.10 25.0 32.5 27.5 19.3 26.1 23.21.09.10 24.6 31.1 26.7 18.9 26.2 22.81.10.10 24.8 33.0 24.1 19.7 26.6 22.81.11.10 25.0 33.9 24.2 20.3 26.6 22.91.12.10 25.0 34.9 24.8 19.7 27.0 22.71.01.11 25.2 35.9 25.6 20.1 27.2 22.71.02.11 25.3 34.2 30.8 20.2 27.1 22.61.03.11 25.2 35.2 31.3 20.2 26.9 22.51.04.11 25.1 35.3 25.0 18.7 27.2 22.61.05.11 24.5 35.6 26.5 18.7 28.3 21.21.06.11 24.5 35.8 33.6 18.3 28.9 21.01.07.11 24.3 35.1 27.6 18.5 28.7 20.71.08.11 24.3 36.1 26.1 19.0 29.1 20.41.09.11 24.0 33.0 24.9 19.2 28.2 20.41.10.11 23.8 33.2 22.8 19.2 28.9 20.21.11.11 24.1 33.1 26.3 19.4 29.2 20.31.12.11 24.3 32.4 30.1 19.2 29.1 20.71.01.12 25.2 33.0 27.6 20.6 30.2 21.4

saprocento ganakveTebi uZravi qonebiT uzrunvelyofil sesxebze,%

saprocento ganakveTebi uZravi qonebiT uzrunvelyofili sesxebis gareSe,%

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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43

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

1.01.10 3876174 44260 72450 107433 480736 31712941.02.10 3899567 36647 71640 97319 470993 32229681.03.10 3919874 75565 63470 95758 463506 32215751.04.10 3924008 39478 71082 110101 466179 32371681.05.10 4002038 48453 56856 129543 481935 32852501.06.10 4022428 45330 70763 134393 494841 32771021.07.10 4099412 64245 83882 145136 499256 33068931.08.10 4153708 41213 96644 145238 509465 33611481.09.10 4156380 38845 89085 155394 501235 33718221.10.10 4115911 73522 88887 129885 482000 33416161.11.10 4044826 47565 79913 131559 421154 33646361.12.10 4278890 65552 65946 123991 468305 35550971.01.11 4515498 58157 126414 186575 470972 36733811.02.11 4597576 48314 137567 165104 487000 37595911.03.11 4490314 57439 88983 183528 487547 36728171.04.11 4539157 47670 113651 200681 505093 36720631.05.11 4483995 55608 99429 174301 511888 36427701.06.11 4566589 45297 75993 160211 526851 37582361.07.11 4858592 61117 64715 155422 536467 40408711.08.11 4879662 41023 77212 182522 517758 40611471.09.11 4892345 34278 79732 170734 465985 41416161.10.11 5038542 55043 65970 158268 544300 42149611.11.11 5076872 40617 77741 159291 544368 42548561.12.11 5046185 54258 72981 140212 539647 42390871.01.12 5182383 51781 87673 143441 542060 4357429

1.01.10 18.1 25.3 24.1 17.7 23.1 17.11.02.10 18.1 27.8 24.5 18.1 23.1 17.11.03.10 18.0 25.9 19.6 18.1 22.9 17.01.04.10 17.9 25.3 23.4 18.0 22.6 17.01.05.10 17.8 29.3 22.1 17.2 22.3 16.91.06.10 17.6 24.1 23.4 16.5 21.9 16.81.07.10 17.4 26.4 18.8 16.4 21.7 16.61.08.10 17.2 25.0 22.2 16.4 21.0 16.41.09.10 17.0 24.7 22.5 16.0 20.7 16.21.10.10 16.8 24.3 17.7 16.3 19.9 16.21.11.10 16.6 24.6 20.6 16.4 20.1 16.01.12.10 16.3 25.4 17.8 16.8 18.9 15.81.01.11 15.9 20.1 18.4 15.5 17.7 15.51.02.11 15.7 22.0 18.0 15.5 17.5 15.41.03.11 15.6 26.7 16.5 14.7 17.3 15.21.04.11 15.4 21.5 18.2 14.8 16.9 15.11.05.11 15.3 24.6 16.4 15.0 16.7 15.01.06.11 15.2 21.1 20.6 14.8 16.6 14.81.07.11 14.7 26.1 16.4 14.7 16.0 14.41.08.11 14.6 23.5 20.2 14.2 15.8 14.21.09.11 14.4 23.9 20.4 14.4 16.0 14.11.10.11 14.3 26.8 16.5 14.4 15.4 14.01.11.11 14.4 24.8 20.3 14.8 15.5 14.01.12.11 14.4 28.6 16.3 15.3 15.5 14.01.01.12 14.4 24.0 20.4 15.7 15.4 14.0

3.9. komerciuli bankebis mier ucxouri valutiT gacemuli vadiani sesxebiT davalianebis

moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

maT Soris:

saprocento ganakveTebi,%

aTasi lari

vadiani sesxebi,

sul

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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44

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

1.01.10 2396593 9682 17806 42599 144552 21819551.02.10 2417498 3653 18091 36956 138352 22204471.03.10 2442561 14285 20922 36720 150381 22202541.04.10 2416295 5032 24998 46875 142890 21964991.05.10 2416425 6367 23034 69773 137890 21793611.06.10 2431149 10870 21598 84994 141087 21726001.07.10 2476586 10131 30152 88656 138418 22092291.08.10 2480267 6020 24628 83478 139730 22264111.09.10 2458491 5017 16760 87847 126186 22226801.10.10 2438386 10154 19832 59607 115435 22333591.11.10 2423594 10665 16571 64070 113084 22192031.12.10 2395241 9571 20978 34642 120840 22092101.01.11 2441234 6110 20976 39612 108757 22657801.02.11 2509024 6737 25497 35898 118654 23222371.03.11 2456298 6600 15654 35607 121856 22765821.04.11 2454879 5497 28681 37021 130562 22531201.05.11 2448456 5556 28753 35619 127231 22512971.06.11 2529698 6573 20967 44025 119678 23384551.07.11 2594515 7538 24033 42187 108676 24120821.08.11 2574634 1847 22912 46651 100363 24028611.09.11 2586357 914 22536 42763 101616 24185271.10.11 2613285 3048 8477 33152 118893 24497151.11.11 2628274 3176 12348 33412 127179 24521601.12.11 2588441 1916 12140 27414 130645 24163261.01.12 3375297 8871 17829 61993 212742 3073863

1.01.10 18.1 25.3 24.1 17.7 23.1 17.11.02.10 18.1 27.8 24.5 18.1 23.1 17.11.03.10 18.0 25.9 19.6 18.1 22.9 17.01.04.10 17.9 25.3 23.4 18.0 22.6 17.01.05.10 17.8 29.3 22.1 17.2 22.3 16.91.06.10 17.6 24.1 23.4 16.5 21.9 16.81.07.10 17.4 26.4 18.8 16.4 21.7 16.61.08.10 17.2 25.0 22.2 16.4 21.0 16.41.09.10 17.0 24.7 22.5 16.0 20.7 16.21.10.10 16.8 24.3 17.7 16.3 19.9 16.21.11.10 16.6 24.6 20.6 16.4 20.1 16.01.12.10 16.3 25.4 17.8 16.8 18.9 15.81.01.11 15.9 20.1 18.4 15.5 17.7 15.51.02.11 15.7 22.0 18.0 15.5 17.5 15.51.03.11 15.6 26.7 16.5 14.7 17.3 14.71.04.11 15.5 21.5 18.2 14.8 16.9 14.81.05.11 15.3 24.6 16.4 15.0 16.7 15.01.06.11 15.2 21.1 20.6 14.8 16.6 14.81.07.11 14.7 26.1 16.4 14.7 16.0 14.71.08.11 14.6 23.5 20.2 14.2 15.8 14.21.09.11 14.4 23.9 20.4 14.4 16.0 14.41.10.11 14.3 26.8 16.5 14.4 15.4 14.41.11.11 14.4 24.8 20.3 14.8 15.5 14.81.12.11 14.4 28.6 16.3 15.3 15.5 15.31.01.12 14.4 24.0 20.4 15.7 15.4 15.7

maT Soris:

saprocento ganakveTebi yvela saxis sesxze,%

3.9.1. komerciuli bankebis mier ucxouri valutiT gacemuli uZravi qonebiT

uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento

ganakveTebi

vadiani sesxebi,

sul

uZravi qonebiT uzrunvelyofili sesxebi, aTasi lari

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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45

gagrZeleba

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

maT Soris:

3.9.1. komerciuli bankebis mier ucxouri valutiT gacemuli uZravi qonebiT

uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento

ganakveTebi

vadiani sesxebi,

sul

1.01.10 17.0 17.8 17.3 17.0 18.3 16.91.02.10 17.0 28.2 17.2 16.9 18.0 16.91.03.10 16.9 16.4 17.2 16.7 17.6 16.91.04.10 16.9 16.7 16.9 16.5 17.6 16.91.05.10 16.8 17.4 16.8 16.2 17.5 16.81.06.10 16.7 15.8 16.5 15.8 17.1 16.71.07.10 16.4 15.9 15.9 15.8 16.7 16.41.08.10 16.3 17.1 16.2 15.7 16.5 16.31.09.10 16.1 17.5 14.3 15.4 16.2 16.11.10.10 15.9 15.8 15.1 15.1 16.0 15.91.11.10 15.8 15.6 13.4 14.9 16.2 15.81.12.10 15.6 13.3 13.2 15.1 15.3 15.61.01.11 15.2 19.6 12.5 14.6 15.4 15.21.02.11 15.0 15.7 12.8 14.9 15.2 15.01.03.11 14.9 15.1 13.2 14.5 15.0 14.91.04.11 14.7 15.7 12.5 14.1 14.8 14.81.05.11 14.6 16.0 12.6 14.2 14.7 14.61.06.11 14.4 15.1 12.9 13.3 14.5 14.41.07.11 14.1 9.5 12.4 12.9 13.9 14.21.08.11 14.0 15.6 12.2 12.9 13.9 14.01.09.11 13.8 15.8 12.3 12.8 13.2 13.91.10.11 13.7 16.9 14.0 13.4 13.0 13.81.11.11 13.7 14.3 13.2 13.3 13.0 13.71.12.11 13.7 16.3 14.7 13.7 12.8 13.81.01.12 13.8 17.4 13.7 14.6 13.2 13.9

1.01.10 20.0 27.4 26.4 18.2 25.1 17.71.02.10 19.9 27.8 26.9 18.9 25.2 17.61.03.10 19.7 28.1 20.8 19.0 25.4 17.41.04.10 19.5 26.6 26.9 19.1 24.9 17.21.05.10 19.2 31.1 25.8 18.3 24.2 17.11.06.10 19.1 26.7 26.4 17.8 23.8 17.01.07.10 18.9 28.3 20.4 17.2 23.6 16.91.08.10 18.5 26.3 24.3 17.2 22.7 16.61.09.10 18.3 25.8 24.3 16.8 22.3 16.51.10.10 18.0 25.7 18.5 17.3 21.2 16.61.11.10 17.9 27.2 22.5 17.8 21.5 16.41.12.10 17.3 27.4 20.0 17.5 20.1 16.01.01.11 16.6 20.2 19.6 15.7 18.3 15.91.02.11 16.6 23.0 19.2 15.6 18.2 15.91.03.11 16.5 28.3 17.3 14.8 18.1 15.81.04.11 16.3 22.3 20.2 15.0 17.7 15.61.05.11 16.2 25.6 17.9 15.2 17.4 15.61.06.11 16.1 22.1 23.5 15.3 17.2 15.41.07.11 15.4 28.4 18.7 15.3 16.5 14.71.08.11 15.2 23.9 23.5 14.7 16.3 14.51.09.11 15.1 24.1 23.6 14.9 16.8 14.41.10.11 15.0 27.4 16.9 14.7 16.1 14.31.11.11 15.1 25.7 21.6 15.2 16.3 14.41.12.11 15.1 29.1 16.6 15.7 16.4 14.41.01.12 15.6 25.4 22.1 16.6 16.7 14.5

saprocento ganakveTebi uZravi qonebiT uzrunvelyofili sesxebis gareSe,%

saprocento ganakveTebi uZravi qonebiT uzrunvelyofil sesxebze,%

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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46

1 T

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3-d

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Tvemde

12 T

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47

erovnuli valutiT

gacemuli sesxebi

ucxouri valutiT

gacemuli sesxebi

sul 181722 435765maT Soris:

soflis meurneoba, metyeveoba, TevzWera 2279 3761mrewveloba 61879 80033mSenebloba 21335 28372vaWroba 69653 260676sastumroebi da restornebi 141 1960transporti da kavSirgabmuloba 4925 5503finansuri Suamavloba 174 605operaciebi uZravi qonebiT, kvlevebi, komerciuli

saqmianoba2112 18525

saxelmwifo marTva, Tavdacva 0 0ganaTleba 1441 1684jandacva da socialuri momsaxureba 2816 11336momsaxurebis sxva saxeebi 14965 23312

sul 15.1 14.0maT Soris:

soflis meurneoba, metyeveoba, TevzWera 16.2 14.3mrewveloba 14.1 13.4mSenebloba 16.6 15.5vaWroba 16.0 14.2sastumroebi da restornebi 16.5 14.8transporti da kavSirgabmuloba 15.3 14.4finansuri Suamavloba 14.2 15.1operaciebi uZravi qonebiT, kvlevebi, komerciuli

saqmianoba14.1 13.2

saxelmwifo marTva, Tavdacva 0.0 0.0ganaTleba 15.9 13.1jandacva da socialuri momsaxureba 13.6 12.6momsaxurebis sxva saxeebi 13.0 13.5

wyaro: komerciuli bankebis statistikuri angariSebi.

3.11. komerciuli bankebis mier saangariSo periodSi rezident iuridiul pirebze

gacemuli vadiani sesxebis moculoba da saprocento ganakveTebi saqmianobis saxeebis

mixedviT

dekemberi, 2011

saprocento ganakveTebi,%

aTasi lari

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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48

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49

naSTi 2011 wlis

pirveli

ianvrisaTvis

sadebeto brunvasakredito

brunva

naSTi 2012 wlis

pirveli

ianvrisaTvis

moklevadiani sesxebi 1469954 6755935 6435166 1790724erovnuli valutiT 643276 3953514 3631021 965770ucxouri valutiT 826678 2802421 2804145 824954

vadagadacilebuli moklevadiani sesxebi 94653 464303 457880 101076

erovnuli valutiT 42845 162197 160171 44870ucxouri valutiT 51809 302106 297709 56206

misaRebi procentebi moTxovnebis

mixedviT moklevadian sesxebze19276 404607 399784 24100

erovnuli valutiT 8761 202446 197480 13728ucxouri valutiT 10515 202161 202304 10371

grZelvadiani sesxebi 4131731 6423428 4826975 5728184erovnuli valutiT 827079 1970182 1426506 1370755ucxouri valutiT 3304652 4453246 3400468 4357429

vadagadacilebuli grZelvadiani sesxebi 80838 381786 364758 97866

erovnuli valutiT 18225 133120 135077 16267ucxouri valutiT 62613 248666 229680 81599

misaRebi procentebi moTxovnebis

mixedviT grZelevadian sesxebze47709 848627 835143 61193

erovnuli valutiT 11595 209650 205786 15459ucxouri valutiT 36113 638977 629357 45733

sxva bankebze gacemuli sesxebi 4176 79481 62449 21207erovnuli valutiT 0 38569 21538 17031

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misaRebi procentebi moTxovnebis

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erovnuli valutiT 0 302 112 190ucxouri valutiT 193 814 753 254

wyaro: komerciuli bankebis statistikuri angariSebi.

aTasi lari

3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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50

3.1

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ses

xebi

31.2

31.9

32.1

31.8

32.5

32.7

32.7

31.9

31.7

31.1

30.6

32.9

ero

vnu

li

val

ut

iT36

.636

.536

.537

.236

.336

.136

.136

.535

.235

.235

.236

.8u

cxo

ur

i va

lu

tiT

22.1

23.1

23.3

23.7

23.8

23.7

23.6

23.1

22.2

21.3

22.8

22.9

grZe

lva

dia

ni s

esxe

bi

22.7

22.7

22.7

22.7

22.7

22.7

22.4

22.7

21.9

21.7

21.4

21.3

ero

vnu

li

val

ut

iT25

.725

.725

.725

.825

.725

.425

.025

.724

.324

.023

.623

.5u

cxo

ur

i va

lu

tiT

20.6

20.7

20.7

20.6

20.5

20.4

20.2

20.7

19.8

19.5

19.3

19.1

wya

ro

: ko

mer

ciu

li

bank

ebis

st

atis

tik

ur

i an

gar

iSeb

i.*

Awya

ro

: ko

mer

ciu

li

bank

ebis

st

atis

tik

ur

i an

gar

iSeb

i.

Page 52: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

51

3.1

4. komerciul

i b

ankebis m

ier g

acemul

i s

amomxmarebl

o s

esxebiT d

aval

ianebis m

ocul

oba

da s

aSual

o w

liuri S

ewonil

i s

aprocento g

anakveTebi

gagr

Zel

eba

dav

alia

nebi

s mo

cu

lo

ba, s

ul

mokl

evad

iani

ses

xebi

ero

vnu

li

val

ut

iT

uc

xou

ri

val

ut

iT

grZe

lva

dia

ni s

esxe

bi

ero

vnu

li

val

ut

iT

uc

xou

ri

val

ut

iT

mokl

evad

iani

ses

xebi

ero

vnu

li

val

ut

iT

uc

xou

ri

val

ut

iT

grZe

lva

dia

ni s

esxe

bi

ero

vnu

li

val

ut

iT

uc

xou

ri

val

ut

iT

1.01.11

1.02.11

1.03.11

1.04.11

1.05.11

1.06.11

1.07.11

1.08.11

1.09.11

1.10.11

1.11.11

1.12.11

1.01.12

827123

828099

808267

809867

823531

882948

927236

956953

971275

992210

1025425

1044080

1089430

237545

237760

235081

238941

233898

245357

243284

242312

235538

238860

241126

241644

262491

166731

166711

166155

170793

178144

186979

188036

185156

182135

184461

186790

187179

193013

70814

71049

68926

68148

55754

58379

55248

57156

53402

54399

54337

54465

69478

589577

590339

573186

570926

589633

637590

683952

714641

735737

753350

784299

802436

826939

287784

288799

298294

303548

333344

372424

414737

450898

474995

499480

518341

531447

548696

301793

301540

274892

267377

256289

265166

269214

263743

260742

253871

265958

270989

278243

32.8

32.8

33.0

33.3

34.4

34.3

34.6

34.4

34.6

34.7

38.0

38.1

36.8

37.7

37.8

37.8

38.0

38.0

37.9

38.0

38.2

38.2

38.5

41.9

42.0

42.4

21.1

21.0

21.3

21.5

22.9

22.6

22.9

22.3

22.1

21.7

24.3

24.7

21.2

20.9

20.8

20.9

20.8

20.4

19.8

19.4

19.2

19.1

19.1

19.5

19.6

19.7

23.2

23.1

22.9

22.6

21.7

20.8

20.2

19.8

19.8

19.8

19.5

19.7

19.9

18.7

18.5

18.7

18.7

18.6

18.3

18.2

18.1

18.0

17.9

19.6

19.5

19.4

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is s

tat

ist

iku

ri

anga

riS

ebi.

Page 53: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

52

3.1

5 k

omerciul

i b

ankebis s

adepozito v

al

debul

ebebis m

ocul

oba d

a s

truqtura

01. 1

002

. 10

03. 1

004

. 10

05. 1

006

. 10

07. 1

008

. 10

09. 1

010

. 10

11. 1

012

. 10

sadepozito v

al

debul

ebebi

3502

007

3542

862

3605

012

3661

107

3671

985

3833

491

4439

304

4487

317

4565

615

4587

273

4575

888

4902

725

mimdinare a

ngariSebi

1269

465

1296

093

1304

677

1292

362

1332

469

1374

644

1873

711

1895

555

1924

709

1917

799

1900

156

2037

583

saxel

mwifo a

rasafinanso k

orporaciebi

1376

2217

9195

1892

4020

6158

2007

5021

7140

6828

5064

6609

6651

6865

9446

5886

3954

7349

sxva a

rasafinanso k

orporaciebi

9481

8394

4811

9650

7593

3070

9736

2499

8100

1013

161

1071

460

1080

390

1082

663

1133

126

1293

094

fizikuri p

irebi

1836

5917

2087

1503

6315

3134

1580

9515

9404

1777

0017

7485

1791

5117

5689

1783

9119

7139

vadiani d

epozitebi

2173

460

2187

156

2244

745

2309

998

2280

310

2398

318

2501

755

2527

006

2576

784

2603

832

2609

218

2803

102

saxel

mwifo a

rasafinanso k

orporaciebi

1533

717

943

1996

720

604

1931

120

269

2319

726

047

4622

560

410

7705

072

542

sxva a

rasafinanso k

orporaciebi

4650

1444

7415

4685

7249

2007

4761

2749

0539

5112

0751

7232

5158

9453

6551

5447

4465

6414

fizikuri p

irebi

1693

109

1721

798

1756

207

1797

386

1784

873

1887

510

1967

351

1983

727

2014

665

2006

871

1987

425

2074

146

gadasaxdel

i p

rocentebi

5908

359

614

5559

058

747

5920

560

529

6383

864

756

6412

265

643

6651

362

040

saxel

mwifo a

rasafinanso k

orporaciebi

765

717

547

739

588

376

488

605

550

940

1359

367

arasaxel

mwifo s

eqtori

5831

858

897

5504

258

008

5861

860

153

6335

064

150

6357

264

703

6515

461

674

maT S

oris:

depozitebi e

rovnul

val

utaSi

8936

3296

5495

1035

566

1083

324

1045

592

1086

198

1127

489

1128

019

1161

024

1210

908

1335

444

1365

627

mimdinare a

ngariSebi

6200

1268

7980

7486

4577

8944

7504

3477

9247

8020

0979

3722

8003

7582

6086

9533

5895

2876

saxel

mwifo a

rasafinanso k

orporaciebi

1138

0115

2114

1618

2716

7610

1558

5615

9232

1803

1817

3172

1921

5120

0825

2300

9921

6692

sxva a

rasafinanso k

orporaciebi

4605

1648

6078

5394

7656

2687

5459

9756

7195

5646

5256

6902

5524

6456

9306

6661

9366

4320

fizikuri p

irebi

4569

549

788

4734

248

647

4858

052

819

5704

053

649

5575

955

955

5706

671

864

vadiani d

epozitebi

2660

2026

9472

2792

9829

6359

2863

8929

8405

3164

0332

4720

3513

5937

5116

3715

7640

5371

saxel

mwifo a

rasafinanso k

orporaciebi

7373

9688

1053

411

298

1074

311

078

1348

717

057

3750

150

347

4804

322

855

sxva a

rasafinanso k

orporaciebi

9603

889

930

9238

310

6599

9452

197

811

1061

5711

0324

1174

7812

5464

1202

7716

7261

fizikuri p

irebi

1626

0916

9855

1763

8217

8462

1811

2518

9516

1967

6019

7339

1963

8019

9305

2032

5521

5255

gadasaxdel

i p

rocentebi

7601

8043

7624

8021

8769

8546

9077

9577

9291

9706

1051

073

80

saxel

mwifo a

rasafinanso k

orporaciebi

475

395

226

362

416

244

276

332

269

655

1042

96

arasaxel

mwifo s

eqtori

7126

7648

7397

7659

8354

8303

8801

9245

9022

9051

9468

7284

depozitebi u

cxour v

al

utaSi

2608

375

2577

367

2569

446

2577

783

2626

392

2747

293

3311

815

3359

298

3404

591

3376

365

3240

444

3537

098

mimdinare a

ngariSebi

6494

5360

8113

5560

3351

3418

5820

3559

5398

1071

702

1101

832

1124

334

1091

712

9467

9810

8470

7

saxel

mwifo a

rasafinanso k

orporaciebi

2382

227

081

2741

338

548

4489

457

908

5025

3347

3438

4730

1745

8621

3585

4033

0657

sxva a

rasafinanso k

orporaciebi

4876

6845

8733

4256

0037

0383

4276

2643

0904

4485

0950

4558

5279

2551

3357

4669

3362

8774

fizikuri p

irebi

1379

6412

2299

1030

2010

4487

1095

1510

6585

1206

6012

3836

1233

9211

9734

1213

2512

5276

vadiani d

epozitebi

1907

440

1917

683

1965

447

2013

639

1993

922

2099

913

2185

352

2202

286

2225

425

2228

716

2237

642

2397

731

saxel

mwifo a

rasafinanso k

orporaciebi

7964

8254

9433

9306

8567

9191

9710

8990

8724

1006

329

007

4968

8

sxva a

rasafinanso k

orporaciebi

3689

7635

7486

3761

8938

5408

3816

0639

2728

4050

5040

6908

3984

1641

1088

4244

6648

9152

fizikuri p

irebi

1530

501

1551

943

1579

825

1618

924

1603

748

1697

994

1770

592

1786

389

1818

286

1807

566

1784

169

1858

891

gadasaxdel

i p

rocentebi

5148

251

571

4796

650

727

5043

651

983

5476

155

179

5483

255

937

5600

354

660

saxel

mwifo a

rasafinanso k

orporaciebi

290

322

321

378

172

133

212

273

281

285

317

271

arasaxel

mwifo s

eqtori

5119

151

249

4764

550

349

5026

451

850

5454

954

906

5455

155

652

5568

654

390

periodis b

ol

os; aTasi l

ari

___

____

____

__

w

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

Page 54: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

53

3.1

5 k

omerciul

i b

ankebis s

adepozito v

al

debul

ebebis m

ocul

oba d

a s

truqtura

gag

rZe

leb

a

01. 1

002

. 10

03. 1

004

. 10

05. 1

006

. 10

07. 1

008

. 10

09. 1

010

. 10

11. 1

012

. 10

sadepozito v

al

debul

ebebi

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

mimdinare a

ngariSebi

36.2

36.6

36.2

35.3

36.3

35.9

42.2

42.2

42.2

41.8

41.5

41.6

saxel

mwifo a

rasafinanso k

orporaciebi

3.9

5.1

5.2

5.6

5.5

5.7

15.4

14.4

14.6

14.4

12.9

11.2

sxva a

rasafinanso k

orporaciebi

27.1

26.7

26.8

25.5

26.5

26.0

22.8

23.9

23.7

23.6

24.8

26.4

fizikuri p

irebi

5.2

4.9

4.2

4.2

4.3

4.2

4.0

4.0

3.9

3.8

3.9

4.0

vadiani d

epozitebi

62.1

61.7

62.3

63.1

62.1

62.6

56.4

56.3

56.4

56.8

57.0

57.2

saxel

mwifo a

rasafinanso k

orporaciebi

0.4

0.5

0.6

0.6

0.5

0.5

0.5

0.6

1.0

1.3

1.7

1.5

sxva a

rasafinanso k

orporaciebi

13.3

12.6

13.0

13.4

13.0

12.8

11.5

11.5

11.3

11.7

11.9

13.4

fizikuri p

irebi

48.3

48.6

48.7

49.1

48.6

49.2

44.3

44.2

44.1

43.7

43.4

42.3

gadasaxdel

i p

rocentebi

1.7

1.7

1.5

1.6

1.6

1.6

1.4

1.4

1.4

1.4

1.5

1.3

saxel

mwifo a

rasafinanso k

orporaciebi

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

arasaxel

mwifo s

eqtori

1.7

1.7

1.5

1.6

1.6

1.6

1.4

1.4

1.4

1.4

1.4

1.3

maT S

oris:

depozitebi e

rovnul

val

utaSi

25.5

27.3

28.7

29.6

28.5

28.3

25.4

25.1

25.4

26.4

29.2

27.9

mimdinare a

ngariSebi

17.7

19.4

20.8

21.3

20.4

20.3

18.1

17.7

17.5

18.0

20.8

19.4

saxel

mwifo a

rasafinanso k

orporaciebi

3.2

4.3

4.5

4.6

4.2

4.2

4.1

3.9

4.2

4.4

5.0

4.4

sxva a

rasafinanso k

orporaciebi

13.2

13.7

15.0

15.4

14.9

14.8

12.7

12.6

12.1

12.4

14.6

13.6

fizikuri p

irebi

1.3

1.4

1.3

1.3

1.3

1.4

1.3

1.2

1.2

1.2

1.2

1.5

vadiani d

epozitebi

7.6

7.6

7.7

8.1

7.8

7.8

7.1

7.2

7.7

8.2

8.1

8.3

saxel

mwifo a

rasafinanso k

orporaciebi

0.2

0.3

0.3

0.3

0.3

0.3

0.3

0.4

0.8

1.1

1.0

0.5

sxva a

rasafinanso k

orporaciebi

2.7

2.5

2.6

2.9

2.6

2.6

2.4

2.5

2.6

2.7

2.6

3.4

fizikuri p

irebi

4.6

4.8

4.9

4.9

4.9

4.9

4.4

4.4

4.3

4.3

4.4

4.4

gadasaxdel

i p

rocentebi

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

saxel

mwifo a

rasafinanso k

orporaciebi

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

arasaxel

mwifo s

eqtori

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.1

depozitebi u

cxour v

al

utaSi

74.5

72.7

71.3

70.4

71.5

71.7

74.6

74.9

74.6

73.6

70.8

72.1

mimdinare a

ngariSebi

18.5

17.2

15.4

14.0

15.9

15.5

24.1

24.6

24.6

23.8

20.7

22.1

saxel

mwifo a

rasafinanso k

orporaciebi

0.7

0.8

0.8

1.1

1.2

1.5

11.3

10.6

10.4

10.0

7.8

6.7

sxva a

rasafinanso k

orporaciebi

13.9

12.9

11.8

10.1

11.6

11.2

10.1

11.2

11.6

11.2

10.2

12.8

fizikuri p

irebi

3.9

3.5

2.9

2.9

3.0

2.8

2.7

2.8

2.7

2.6

2.7

2.6

vadiani d

epozitebi

54.5

54.1

54.5

55.0

54.3

54.8

49.2

49.1

48.7

48.6

48.9

48.9

saxel

mwifo a

rasafinanso k

orporaciebi

0.2

0.2

0.3

0.3

0.2

0.2

0.2

0.2

0.2

0.2

0.6

1.0

sxva a

rasafinanso k

orporaciebi

10.5

10.1

10.4

10.5

10.4

10.2

9.1

9.1

8.7

9.0

9.3

10.0

fizikuri p

irebi

43.7

43.8

43.8

44.2

43.7

44.3

39.9

39.8

39.8

39.4

39.0

37.9

gadasaxdel

i p

rocentebi

1.5

1.5

1.3

1.4

1.4

1.4

1.2

1.2

1.2

1.2

1.2

1.1

saxel

mwifo a

rasafinanso k

orporaciebi

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

arasaxel

mwifo s

eqtori

1.5

1.4

1.3

1.4

1.4

1.4

1.2

1.2

1.2

1.2

1.2

1.1

procentobiT

___

____

____

__

w

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o: k

ome

rc

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i ba

nkeb

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bal

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* Aw

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o: k

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.

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54

3.1

5 k

omerciul

i b

ankebis s

adepozito v

al

debul

ebebis m

ocul

oba d

a s

truqtura

gag

rZe

leb

a

sadepozito v

al

debul

ebebi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

maT S

oris:

depozitebi e

rovnul

val

utaSi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

depozitebi u

cxour v

al

utaSi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

01. 1

102

. 11

03. 1

104

. 11

05. 1

106

. 11

07. 1

108

. 11

09. 1

110

. 11

11. 1

112

. 11

4825

911

4813

345

4828

334

4941

583

4878

317

5001

854

4991

762

5257

130

5329

195

5417

668

5262

205

5916

656

1917

049

1918

566

1951

043

2000

254

1876

721

1909

771

1913

932

2141

665

2173

986

2166

471

2047

420

2373

299

5389

4451

9756

4951

9949

7529

4673

3141

3163

4092

4948

0863

5229

0048

0645

4326

3955

2286

1181

129

1200

227

1257

122

1304

606

1210

707

1290

968

1296

217

1450

407

1439

318

1457

210

1404

411

1607

386

1969

7519

8583

1987

2219

8118

1986

8320

5640

2084

6521

0395

2117

6822

8616

2103

7021

3627

2842

605

2828

407

2813

752

2875

782

2931

296

3020

178

3002

169

3037

030

3077

931

3168

162

3131

074

3467

015

6803

666

321

5629

112

1029

1160

8912

9313

1139

4399

517

6968

011

0717

7831

212

2125

6191

3662

7798

6304

5764

5101

6510

1167

4467

6447

4465

5153

6990

2869

7689

6754

0584

2339

2155

433

2134

288

2127

004

2109

652

2164

196

2216

399

2243

481

2282

360

2309

223

2359

756

2377

357

2502

551

6625

666

372

6354

065

547

7030

071

905

7566

278

435

7727

883

035

8371

176

342

812

1318

1706

2478

2766

3222

3479

3005

3291

3698

3872

984

6544

465

053

6183

463

070

6753

468

682

7218

375

430

7398

779

337

7983

975

358

1320

096

1334

265

1337

226

1580

705

1508

060

1494

271

1610

497

1712

119

1670

819

1794

096

1772

914

2108

200

9022

9591

5137

9193

8210

8573

910

2079

998

3247

1106

654

1179

731

1161

896

1226

324

1206

379

1479

942

1994

9721

8708

2309

3730

3312

2732

3823

8979

2524

8529

3579

3112

5737

9490

3581

5947

4211

6440

6663

3531

6271

1171

5912

6809

2867

7201

7765

3781

0423

7773

0777

4612

7738

3392

5651

5873

262

897

6133

466

514

6663

367

067

7763

375

729

7333

272

222

7438

780

079

4099

4541

0449

4095

5648

5344

4761

1249

9621

4908

1051

7193

4930

6655

0579

5480

3661

5260

2153

618

892

1715

370

011

6131

174

251

7255

564

664

3674

475

931

5004

477

159

1643

7716

4767

1624

2717

9530

1702

6817

0835

1599

2318

1575

1789

7919

1727

2035

7221

8519

2240

3222

6790

2299

7523

5803

2445

3325

4535

2583

3227

0954

2773

4328

2922

2944

2031

9582

7855

8680

8288

9623

1114

911

403

1303

315

195

1585

717

193

1849

912

999

371

674

924

1459

1817

2113

2520

2662

2731

2884

3101

272

7484

8006

7364

8163

9332

9290

1051

312

533

1312

714

308

1539

712

727

3505

815

3479

079

3491

109

3360

878

3370

257

3507

583

3381

265

3545

010

3658

376

3623

573

3489

292

3808

456

1014

754

1003

430

1031

661

9145

1585

5922

9265

2480

7277

9619

3410

1209

094

0147

8410

4189

3357

3394

4730

1048

2642

6219

4217

1940

9217

4184

1567

6518

7283

2116

4310

1155

7448

078

074

5370

6356

6697

6300

1158

8694

5297

7961

3767

5196

8063

9985

6620

1168

2597

6305

7868

1735

1382

4413

5685

1373

8813

1604

1320

5013

8573

1308

3213

4666

1384

3615

6395

1359

8413

3548

2432

660

2417

958

2404

197

2390

438

2455

185

2520

557

2511

359

2519

836

2584

866

2617

584

2583

038

2851

755

4649

947

429

3913

851

019

5477

955

062

4138

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853

3293

734

787

2826

944

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4547

6046

3031

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3046

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3632

4848

2147

3578

5200

4950

5962

4718

3362

3820

1931

401

1907

498

1897

029

1873

849

1919

663

1961

864

1985

149

2011

406

2031

879

2076

835

2082

936

2182

969

5840

157

692

5525

155

925

5915

160

502

6262

863

240

6142

165

842

6521

263

344

442

644

781

1018

949

1109

958

343

560

814

771

713

5796

057

048

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054

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5820

259

393

6167

062

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165

029

6444

162

631

periodis b

ol

os; aTasi l

ari

___

____

____

__

w

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o: k

ome

rc

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i ba

nkeb

is n

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* Aw

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.

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55

3.1

5 k

omerciul

i b

ankebis s

adepozito v

al

debul

ebebis m

ocul

oba d

a s

truqtura

gag

rZe

leb

a

sadepozito v

al

debul

ebebi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

maT S

oris:

depozitebi e

rovnul

val

utaSi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

depozitebi u

cxour v

al

utaSi

mimdinare a

ngariSebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

vadiani d

epozitebi

saxel

mwifo a

rasafinanso k

orporaciebi

sxva a

rasafinanso k

orporaciebi

fizikuri p

irebi

gadasaxdel

i p

rocentebi

saxel

mwifo a

rasafinanso k

orporaciebi

arasaxel

mwifo s

eqtori

01. 1

102

. 11

03. 1

104

. 11

05. 1

106

. 11

07. 1

108

. 11

09. 1

110

. 11

11. 1

112

. 11

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

100.

010

0.0

39.7

39.9

40.4

40.5

38.5

38.2

38.3

40.7

40.8

40.0

38.9

40.1

11.2

10.8

10.3

10.1

9.6

8.3

8.2

9.1

9.8

8.9

8.2

9.3

24.5

24.9

26.0

26.4

24.8

25.8

26.0

27.6

27.0

26.9

26.7

27.2

4.1

4.1

4.1

4.0

4.1

4.1

4.2

4.0

4.0

4.2

4.0

3.6

58.9

58.8

58.3

58.2

60.1

60.4

60.1

57.8

57.8

58.5

59.5

58.6

1.4

1.4

1.2

2.4

2.4

2.6

2.3

1.9

1.3

2.0

1.5

2.1

12.8

13.0

13.1

13.1

13.3

13.5

12.9

12.5

13.1

12.9

12.8

14.2

44.7

44.3

44.1

42.7

44.4

44.3

44.9

43.4

43.3

43.6

45.2

42.3

1.4

1.4

1.3

1.3

1.4

1.4

1.5

1.5

1.5

1.5

1.6

1.3

0.0

0.0

0.0

0.1

0.1

0.1

0.1

0.1

0.1

0.1

0.1

0.0

1.4

1.4

1.3

1.3

1.4

1.4

1.4

1.4

1.4

1.5

1.5

1.3

27.4

27.7

27.7

32.0

30.9

29.9

32.3

32.6

31.4

33.1

33.7

35.6

18.7

19.0

19.0

22.0

20.9

19.7

22.2

22.4

21.8

22.6

22.9

25.0

4.1

4.5

4.8

6.1

5.6

4.8

5.1

5.6

5.8

7.0

6.8

8.0

13.3

13.2

13.0

14.5

14.0

13.5

15.6

15.4

14.6

14.3

14.7

15.6

1.2

1.3

1.3

1.3

1.4

1.3

1.6

1.4

1.4

1.3

1.4

1.4

8.5

8.5

8.5

9.8

9.8

10.0

9.8

9.8

9.3

10.2

10.4

10.4

0.4

0.4

0.4

1.4

1.3

1.5

1.5

1.2

0.7

1.4

1.0

1.3

3.4

3.4

3.4

3.6

3.5

3.4

3.2

3.5

3.4

3.5

3.9

3.7

4.6

4.7

4.8

4.8

5.0

5.1

5.2

5.2

5.2

5.2

5.6

5.4

0.2

0.2

0.2

0.2

0.2

0.2

0.3

0.3

0.3

0.3

0.4

0.2

0.0

0.0

0.0

0.0

0.0

0.0

0.1

0.1

0.1

0.1

0.1

0.0

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.3

0.3

0.2

72.6

72.3

72.3

68.0

69.1

70.1

67.7

67.4

68.6

66.9

66.3

64.4

21.0

20.8

21.4

18.5

17.5

18.5

16.2

18.3

19.0

17.4

16.0

15.1

7.0

6.3

5.5

3.9

4.0

3.5

3.1

3.6

4.0

1.9

1.4

1.3

11.1

11.8

13.0

11.9

10.9

12.3

10.4

12.2

12.4

12.6

12.0

11.5

2.9

2.8

2.8

2.7

2.7

2.8

2.6

2.6

2.6

2.9

2.6

2.3

50.4

50.2

49.8

48.4

50.3

50.4

50.3

47.9

48.5

48.3

49.1

48.2

1.0

1.0

0.8

1.0

1.1

1.1

0.8

0.7

0.6

0.6

0.5

0.8

9.4

9.6

9.7

9.4

9.9

10.1

9.7

9.0

9.8

9.3

9.0

10.5

40.0

39.6

39.3

37.9

39.4

39.2

39.8

38.3

38.1

38.3

39.6

36.9

1.2

1.2

1.1

1.1

1.2

1.2

1.3

1.2

1.2

1.2

1.2

1.1

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

1.2

1.2

1.1

1.1

1.2

1.2

1.2

1.2

1.1

1.2

1.2

1.1

procentobiT

___

____

____

__

w

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

* Aw

yar

o: k

ome

rc

iul

i ba

nkeb

is n

aer

Ti

bal

ansi

.

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56

1 Tvemde1-dan 3

Tvemde

3-dan 6

Tvemde

6-dan 12

Tvemde

12 Tveze

meti

1.01.10 298665 226791 27382 19093 55012 77024 48280 5254561.02.10 281495 231153 29048 18399 57296 77674 48735 5126481.03.10 300869 231561 23059 19794 61147 77404 50157 5324301.04.10 290402 224687 23717 20861 39331 86347 54432 5150891.05.10 316578 257137 53719 18056 31335 98426 55602 5737141.06.10 278327 267364 52900 26641 33823 97177 56824 5456911.07.10 292693 319531 103981 21989 31603 101847 60111 6122241.08.10 304008 337546 105765 41202 34465 94868 61246 6415541.09.10 323976 315900 66482 62446 23482 100640 62850 6398751.10.10 308565 344680 88703 41296 40351 109671 64659 6532451.11.10 315307 386752 81141 81778 65914 91731 66187 7020581.12.10 295440 470766 168663 81969 43925 109704 66505 7662051.01.11 413105 376530 130827 49458 24163 104151 67931 7896351.02.11 382794 440450 184388 50676 22599 109025 73761 8232431.03.11 430499 382984 134204 49152 21427 112382 65819 8134831.04.11 409241 400290 107775 86711 21372 107593 76839 8095311.05.11 478197 390140 100533 35230 63104 109132 82140 8683371.06.11 458405 446571 130253 51182 61863 112290 90982 9049761.07.11 472689 481552 157618 44141 70190 110407 99195 9542411.08.11 491790 478937 163794 20013 83393 108332 103406 9707281.09.11 484742 527024 148608 47290 67240 149960 113926 10117661.10.11 455830 517139 154953 37804 35606 162688 126089 9729691.11.11 492381 524965 107282 38116 41346 205106 133115 10173451.12.11 473730 545903 95610 58545 41794 205989 143965 10196321.01.12 569781 590918 188214 46529 51136 149198 155841 1160699

1.01.10 6.7 10.9 6.8 8.1 8.5 13.1 13.6 8.51.02.10 6.5 10.7 6.5 9.0 7.8 13.1 13.5 8.41.03.10 6.4 10.8 7.1 7.4 7.7 13.4 13.6 8.31.04.10 6.1 10.7 6.2 6.0 6.9 13.1 13.5 8.11.05.10 6.0 10.3 6.2 6.9 7.8 12.3 13.5 8.01.06.10 5.8 10.3 6.2 8.1 7.6 12.4 13.3 8.01.07.10 5.9 9.7 6.5 8.3 7.4 12.0 13.2 7.91.08.10 5.8 10.0 7.4 8.3 8.0 12.5 13.1 8.01.09.10 6.1 10.3 7.1 8.6 9.0 11.9 13.1 8.21.10.10 6.2 10.3 7.6 8.7 9.7 11.9 13.0 8.41.11.10 6.1 10.5 8.2 9.0 10.4 12.3 13.0 8.51.12.10 6.0 10.7 9.5 9.6 9.9 12.3 12.9 8.91.01.11 5.8 10.5 8.3 9.4 9.6 12.3 13.0 8.01.02.11 5.9 10.1 7.8 8.7 9.7 12.5 13.2 8.21.03.11 5.9 10.1 7.4 6.9 10.1 12.6 13.8 7.91.04.11 7.0 10.9 10.8 6.4 10.1 12.7 13.9 8.91.05.11 7.1 11.3 6.3 8.6 14.9 12.8 14.0 9.01.06.11 7.1 11.3 8.0 6.6 15.0 12.9 14.1 9.21.07.11 7.0 11.2 8.1 5.8 14.7 13.0 14.0 9.11.08.11 6.9 11.2 7.5 9.1 12.3 13.3 14.1 9.01.09.11 6.9 11.4 7.2 8.0 14.8 13.3 14.0 9.21.10.11 6.6 11.9 9.8 8.2 10.8 13.4 13.9 9.41.11.11 7.0 12.2 7.4 8.6 10.6 14.5 13.9 9.71.12.11 7.5 11.9 6.9 7.8 10.6 14.3 14.0 9.91.01.12 8.0 11.6 8.9 9.1 11.5 13.4 14.0 9.8

wyaro: komerciuli bankebis statistikuri angariSebi.

saprocento ganakveTebi,%

3.16. komerciuli bankebis mier moziduli iuridiuli da fizikuri pirebis erovnuli

valutiT depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

maT Soris:

depozitebi,

sul

depozitebi

moTxovnamde

vadiani

depozitebi

aTasi lari

Page 58: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

57

1 Tvemde1-dan 3

Tvemde

3-dan 6

Tvemde

6-dan 12

Tvemde

12 Tveze

meti

1.01.10 576483 1640678 67378 108984 208369 775782 480165 22171611.02.10 594708 1697415 61500 106090 220947 812793 496085 22921231.03.10 592857 1706022 86185 92244 224297 818175 485121 22988791.04.10 621188 1706025 63250 84775 186648 850011 521341 23272131.05.10 638510 1784579 97296 72762 174614 905713 534194 24230891.06.10 614612 1794264 79680 120598 171690 888462 533834 24088771.07.10 649023 1865513 67909 129703 147024 936408 584469 25145361.08.10 687169 1967611 98648 171531 130676 951107 615649 26547801.09.10 707068 1957046 102489 165119 129616 951611 608211 26641141.10.10 719593 1921336 101499 131407 166360 942699 579371 26409291.11.10 666480 1920247 104431 157407 155168 902919 600323 25867281.12.10 649835 1984702 116235 187441 168787 929289 582949 26345361.01.11 672163 2129354 165450 166568 202091 971112 624132 28015161.02.11 687899 2247321 247374 161839 174410 1024863 638836 29352201.03.11 788952 2137565 132037 195287 195411 1019638 595191 29265161.04.11 798476 2110494 145382 136982 241141 941709 645280 29089711.05.11 805583 2092748 140597 130088 253486 889093 679484 28983311.06.11 819266 2153389 102328 217777 201348 882988 748948 29726541.07.11 864011 2273048 157949 238130 202331 861227 813411 31370591.08.11 889278 2255799 164423 238088 169644 802037 881607 31450771.09.11 861786 2288596 115035 196824 282280 820032 874425 31503821.10.11 893534 2387586 173081 190818 253572 819339 950776 32811201.11.11 812649 2421272 116190 214549 229905 849449 1011179 32339211.12.11 800065 2385923 79464 205150 216708 822291 1062310 31859881.01.12 815479 2630062 201158 144962 261373 726246 1296323 3445541

1.01.10 7.1 10.8 5.2 6.9 9.1 11.7 11.6 9.81.02.10 6.9 10.8 5.2 7.2 8.6 11.7 11.6 9.81.03.10 6.7 10.6 6.7 6.9 8.6 11.5 11.6 9.61.04.10 6.6 10.4 5.1 6.0 7.3 11.2 11.5 9.31.05.10 6.5 10.1 4.6 6.3 7.3 10.8 11.4 9.11.06.10 5.7 9.8 4.7 5.2 7.1 10.5 11.3 8.81.07.10 5.7 9.8 5.2 5.4 6.9 10.3 11.2 8.81.08.10 5.7 9.4 4.0 4.9 6.9 10.1 11.0 8.51.09.10 5.7 9.3 4.1 4.9 6.7 9.8 11.0 8.31.10.10 5.7 9.1 4.1 5.5 6.6 9.7 10.5 8.21.11.10 6.7 9.0 3.9 4.8 7.0 9.6 10.5 8.41.12.10 5.7 8.7 3.6 4.8 7.0 9.5 10.2 8.01.01.11 5.7 8.5 3.4 5.7 6.6 9.3 10.1 7.91.02.11 5.7 8.3 3.1 6.1 6.5 9.2 9.9 7.71.03.11 5.5 8.5 3.7 5.3 6.5 9.1 10.2 7.71.04.11 5.4 8.5 3.3 6.2 6.7 9.0 10.1 7.71.05.11 5.2 8.4 2.9 6.2 6.8 8.9 10.0 7.51.06.11 5.2 8.5 3.6 5.4 6.9 8.9 10.0 7.61.07.11 5.4 8.4 3.7 5.5 6.8 8.9 10.0 7.61.08.11 5.4 8.3 3.9 5.9 5.6 8.9 9.7 7.51.09.11 5.4 8.4 3.7 5.9 6.5 8.8 9.8 7.61.10.11 5.7 8.5 5.0 6.1 6.7 8.8 9.9 7.71.11.11 5.5 8.6 3.1 6.3 7.6 8.7 9.8 7.81.12.11 5.5 8.6 3.8 5.3 6.9 8.6 9.9 7.81.01.12 5.7 8.8 4.9 6.5 7.7 8.7 10.0 8.1

wyaro: komerciuli bankebis statistikuri angariSebi.

aTasi lari

saprocento ganakveTebi,%

3.17. komerciuli bankebis mier moziduli iuridiuli da fizikuri pirebis ucxouri

valutiT depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

maT Soris:depozitebi

moTxovnamde

depozitebi,

sul

vadiani

depozitebi

Page 59: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

58

sul

rezidente-

bis

depozitebi

arareziden-

tebis

depozitebi

sul

rezidente-

bis

depozitebi

arareziden-

tebis

depozitebi

sul 726979 724396 2583 945549 808017 137531

maT Soris:

fizikuri pirebis depozitebi 41337 39754 1583 327608 233135 94473

iuridiuli pirebis depozitebi 685641 684641 1000 617940 574882 43058

maT Soris seqtorebis mixedviT:

samewarmeo seqtori 26135 25135 1000 248334 205275 43058

samTavrobo seqtori 0 0 0 0 0 0

centraluri mTavroba 0 0 0 0 0 0

adgilobrivi mTavroba 0 0 0 0 0 0

finansuri seqtori 659506 659506 0 369607 369607 0centraluri banki 0 0 0 0 0 0

komerciuli bankebi 659506 659506 0 369607 369607 0

sul 8.5 8.5 8.1 7.3 7.4 6.5maT Soris:

fizikuri pirebis depozitebi 12.2 12.1 13.2 8.6 8.2 9.5iuridiuli pirebis depozitebi 8.2 8.2 0.0 6.6 7.0 0.0maT Soris seqtorebis mixedviT:

samewarmeo seqtori 12.0 11.8 16.0 9.9 9.8 10.0samTavrobo seqtori 0.0 0.0 0.0 0.0 0.0 0.0

centraluri mTavroba 0.0 0.0 0.0 0.0 0.0 0.0adgilobrivi mTavroba 0.0 0.0 0.0 0.0 0.0 0.0

finansuri seqtori 8.1 8.1 0.0 5.5 5.5 0.0centraluri banki 0.0 0.0 0.0 0.0 0.0 0.0komerciuli bankebi 8.1 8.1 0.0 5.5 5.5 0.0

wyaro: komerciuli bankebis statistikuri angariSebi.

saprocento ganakveTebi, %

3.18. komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozitebi

erovnuli ekonomikis seqtorebis mixedviT

aTasi lari

erovnuli valutiT ganTavsebuli

depozitebi

ucxouri valutiT ganTavsebuli

depozitebi

dekemberi, 2011

Page 60: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

59

3.1

9 k

omerciul

i b

ankebis s

esxebisa d

a d

epozitebis m

ocul

oba d

a s

aSual

o w

liuri S

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i

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anakveTebi

01. 1

002

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05. 1

006

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07. 1

008

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09.1

010

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11. 1

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sul

1126

228

1135

153

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351

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343

1436

687

1478

073

1521

463

1522

662

1539

246

1566

808

mokl

evad

iani

4619

5643

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5527

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0760

5560

6382

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1117

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2174

grZe

lva

dia

ni66

4273

6955

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1731

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2102

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60

3.1

9 k

omerciul

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ankebis s

esxebisa d

a d

epozitebis m

ocul

oba d

a s

aSual

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liuri S

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saprocento g

anakveTebi

gagr

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4662

6856

6618

2973

1091

7956

1482

2628

8598

6094

6110

1008

244

1059

444

1293

504

22.9

22.9

22.7

22.6

22.7

22.5

22.5

22.3

22.3

22.4

22.5

22.7

26.1

26.1

25.7

26.4

26.8

26.5

26.8

26.2

26.4

27.1

27.2

27.4

20.5

20.4

20.3

19.7

19.6

19.4

19.2

19.2

19.1

19.1

19.1

19.3

15.7

15.6

15.4

15.3

15.2

14.7

14.6

14.4

14.3

14.4

14.4

14.4

17.5

17.3

16.9

16.9

16.8

16.5

16.3

16.4

16.1

16.3

16.4

16.5

15.4

15.2

15.1

15.0

14.8

14.4

14.2

14.1

14.0

14.0

14.0

14.0

8.5

8.4

9.3

9.2

9.4

9.4

9.4

9.4

9.5

9.6

10.1

10.2

7.5

7.4

8.3

8.2

8.3

8.2

8.1

8.1

8.0

8.3

8.7

9.0

13.2

13.8

13.9

14.0

14.1

14.0

14.1

14.0

13.9

13.9

14.0

14.0

8.2

8.1

8.1

8.0

8.1

8.1

8.0

8.1

8.2

8.3

8.3

8.5

7.6

7.4

7.3

7.1

7.2

7.1

7.0

7.1

7.2

7.3

7.1

7.2

10.1

10.4

10.3

10.2

10.2

10.1

10.0

9.9

9.9

9.8

9.9

10.0

per

iod

is b

ol

os;

aT

asi

lar

i

sapr

oc

ent

o g

anak

veT

ebi,

%

Page 62: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

61

3.20. komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis

ganawileba maTi moculobebis mixedviT

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

sul 224824 152567 639990 160462 1271651 159951 1572787 175823aqedan:

1-1000 13624 139744 13386 145351 13197 142313 13534 1568841001-5000 17458 9861 20136 11485 22891 13201 23497 140095001-25000 23082 2377 25535 2853 30159 3449 32778 395425001-50000 10407 290 10282 294 10909 326 12292 37150001-100000 9918 133 12815 174 12445 168 10854 162100001-250000 14540 93 13615 85 17430 108 21137 120250001-500000 7165 19 10104 30 14492 38 15011 41500001-1000000 10719 13 19372 22 38315 41 27885 331000000-ze meti 117910 37 514744 168 1111814 307 1415799 249

sul 847067 102113 1028871 113771 1126239 125646 1447746 133258aqedan:

1-1000 8971 64503 9317 73526 9338 79010 9955 840631001-5000 42498 18634 45996 20110 51012 22238 51404 236735001-25000 162249 14506 167793 15327 203672 18647 204393 1923625001-50000 82647 2438 89507 2619 107043 3178 112017 338250001-100000 78825 1167 77809 1167 101799 1511 99776 1549100001-250000 83136 544 96142 631 105923 708 129647 878250001-500000 50288 150 57128 165 47834 151 64170 212500001-1000000 55436 79 67690 92 63610 90 64017 961000000-ze meti 283018 92 417490 134 436008 113 712367 169

erovnuli valutiT ganTavsebuli depozitebi

ucxouri valutiT ganTavsebuli depozitebi

wyaro: komerciuli bankebis statistikuri angariSebi.

depozitebi intervalebis

mixedviT

IV kv., 2010IIIkv., 2010IIkv., 2010I kv., 2010

wyaro: komerciuli bankebis statistikuri angariSebi.

Page 63: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

62

3.20. komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis

ganawileba maTi moculobebis mixedviT

gagrZeleba

sul

aqedan:

1-1000

1001-5000

5001-25000

25001-50000

50001-100000

100001-250000

250001-500000

500001-1000000

1000000-ze meti

sul

aqedan:

1-1000

1001-5000

5001-25000

25001-50000

50001-100000

100001-250000

250001-500000

500001-1000000

1000000-ze meti

wyaro: komerciuli bankebi

depozitebi intervalebis

mixedviT

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

Tanxa,

aTasi

lari

depozitebis

raodenoba

(erTeul

i)

1716193 137945 1262049 134381 2312661 158725 1915441 181058

10381 121304 9625 120525 10147 143258 11989 162424

19219 12321 16942 10077 18964 11107 23531 13546

26518 3443 24327 3046 27844 3365 33840 4064

10430 307 8089 245 9342 272 13899 418

12169 153 7746 100 8627 118 11435 149

10560 69 9714 59 7880 56 13475 82

17512 49 11669 30 12432 33 14579 36

20617 23 38029 42 49911 55 30051 37

1588788 276 1135908 257 2167513 461 1762642 302

1543439 96374 1518302 77829 1799783 84678 1870288 95610

7093 56668 5941 39958 6142 42057 6722 45459

39702 19033 37346 18419 42815 20630 51150 24565

161661 15592 149120 14568 173481 16408 197392 19071

87353 2686 84337 2581 95616 2957 113468 3553

83995 1320 71055 1110 83708 1280 97728 1589

93987 706 96290 728 119926 838 122118 868

39776 124 51985 153 68367 211 76373 231

56591 83 65190 85 46630 65 67958 101

973283 162 957038 227 1163099 232 1137378 173

IV kv., 2011

ucxouri valutiT ganTavsebuli depozitebi

erovnuli valutiT ganTavsebuli depozitebi

III kv., 2011II kv., 2011I kv., 2011

* Awyaro: komerciuli bankebis statistikuri angariSebi.

Page 64: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

63

sulreziden-

tebis

ararezi-

dentebissul

reziden-

tebis

ararezi-

dentebis

sul 1303582 1259523 44058 368946 272890 96056

maT Soris:

bankTaSorisi depozitebi 1029113 1029113 0 x x x

erovnuli valutiT 659506 659506 0 x x x

ucxouri valutiT 369607 369607 0 x x x

sxva klientebis depozitebi 274469 230410 44058 368946 272890 96056

erovnuli valutiT 26135 25135 1000 41337 39754 1583

ucxouri valutiT 248334 205275 43058 327608 233135 94473

sul 7.8 7.7 10.1 9.0 8.8 9.5

maT Soris:

bankTaSorisi depozitebi 7.2 7.2 0.0 x x x

erovnuli valutiT 8.1 8.1 0.0 x x x

ucxouri valutiT 5.5 5.5 0.0 x x x

sxva klientebis depozitebi 10.1 10.1 10.1 9.0 8.8 9.5

erovnuli valutiT 12.0 11.8 16.0 12.2 12.1 13.2

ucxouri valutiT 9.9 9.8 10.0 8.6 8.2 9.5

wyaro: komerciuli bankebis statistikuri angariSebi.

3.21. komerciul bankebSi saangariSo periodSi ganTavsebuli

vadiani depozitebi mflobelTa kategoriebis mixedviT

aTasi lari

saprocento ganakveTebi,%

iuridiuli pirebis depozitebi fizikuri pirebis depozitebi

dekemberi, 2011

* Awyaro: komerciuli bankebis statistikuri angariSebi.

Page 65: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

64

3.2

2. sabazro s

aprocento g

anakveTebis d

inamika

(saangariSo p

eriodSi g

acemul

sesxebze/ganTavsebul

depozitebze)

ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

sapr

oc

ent

o g

anak

veT

ebi

sesx

ebz

e*22.0

20.0

20.2

19.7

20.2

19.3

19.2

19.4

18.9

19.5

18.1

17.7

ero

vnu

li

val

ut

iT22.8

22.2

23.0

21.5

22.5

21.5

22.2

22.8

22.6

23.2

23.6

22.6

iur

idiu

l p

ireb

ze

17.0

15.7

16.6

15.7

15.9

15.8

15.6

16.2

15.4

15.6

15.6

15.1

fiz

iku

r p

ireb

ze

29.3

28.2

28.1

27.2

26.9

26.5

26.8

27.8

27.8

28.0

28.5

28.7

uc

xou

ri

val

ut

iT21.4

18.7

18.5

18.4

18.3

17.6

17.1

17.1

16.7

17.0

15.7

14.9

iur

idiu

l p

ireb

ze

18.1

16.3

16.6

16.3

15.8

15.9

15.2

15.1

15.1

14.8

14.4

13.9

fiz

iku

r p

ireb

ze

27.0

24.8

23.2

24.1

24.1

22.4

20.7

21.6

21.4

22.6

21.5

17.6

sapr

oc

ent

o g

anak

veT

ebi

dep

oz

iteb

ze*

8.9

9.2

9.0

8.4

7.9

8.2

7.7

7.5

8.0

7.9

7.8

7.9

ero

vnu

li

val

ut

iT10.9

10.7

10.7

10.1

10.0

9.5

9.2

9.3

10.0

10.3

9.9

10.2

iur

idiu

li

pir

ebis

9.4

10.0

10.1

10.1

10.8

8.7

8.1

8.0

10.1

10.3

8.5

8.8

2010

fiz

iku

ri

pir

ebis

11.4

11.1

11.0

10.1

9.8

9.8

9.7

9.9

10.0

10.1

10.5

10.7

uc

xou

ri

val

ut

iT8.6

9.0

8.8

8.1

7.5

8.0

7.4

7.2

7.6

7.3

7.5

7.6

iur

idiu

li

pir

ebis

8.2

10.3

7.1

8.8

7.6

9.8

7.0

6.7

7.1

7.7

7.6

7.2

fiz

iku

ri

pir

ebis

8.8

8.5

9.3

8.0

7.5

7.6

7.4

7.3

7.7

7.2

7.4

7.8

* Aba

nkT

aSo

ris

i se

sxeb

is/d

epo

zit

ebis

gar

eSe.

Page 66: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

65

3.2

2. sabazro s

aprocento g

anakveTebis d

inamika

(saangariSo p

eriodSi g

acemul

sesxebze/ganTavsebul

depozitebze)

gag

rZe

leb

a

sapr

oc

ent

o g

anak

veT

ebi

sesx

ebz

e*

ero

vnu

li

val

ut

iT

iur

idiu

l p

ireb

ze

fiz

iku

r p

ireb

ze

uc

xou

ri

val

ut

iT

iur

idiu

l p

ireb

ze

fiz

iku

r p

ireb

ze

sapr

oc

ent

o g

anak

veT

ebi

dep

oz

iteb

ze*

ero

vnu

li

val

ut

iT

iur

idiu

li

pir

ebis

ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

19.2

19.1

18.0

18.6

18.7

16.9

18.4

19.1

18.6

19.0

19.2

19.2

22.5

23.1

21.4

21.9

21.7

21.6

21.8

22.5

22.0

22.2

21.8

23.5

15.1

15.5

14.6

16.3

15.5

15.2

14.8

14.6

14.4

14.4

14.5

15.1

27.9

27.6

27.2

25.0

25.3

25.2

25.9

27.5

27.5

28.0

28.2

27.9

16.4

16.2

15.5

15.7

15.6

13.9

14.9

15.2

15.0

15.6

15.8

15.6

14.4

14.5

13.9

14.3

13.9

12.7

13.1

13.2

13.2

13.8

13.6

14.1

19.9

19.6

20.1

18.5

19.1

18.7

18.3

19.2

19.8

21.2

21.8

19.5

8.2

8.3

8.8

8.6

8.7

8.6

8.3

8.7

8.9

8.8

8.8

9.4

11.0

11.4

11.9

11.6

11.7

11.7

11.7

11.6

11.6

11.8

12.0

12.1

10.7

10.5

11.7

11.2

8.9

11.2

10.4

10.2

11.2

11.6

12.0

12.0

2011

fiz

iku

ri

pir

ebis

uc

xou

ri

val

ut

iT

iur

idiu

li

pir

ebis

fiz

iku

ri

pir

ebis

11.2

12.1

12.2

11.9

13.0

12.3

12.0

12.0

11.9

11.8

12.0

12.2

7.6

7.9

8.2

8.1

8.3

8.1

7.8

8.4

8.5

8.3

8.4

9.1

7.3

7.0

7.7

8.3

8.1

7.9

8.5

9.0

8.1

7.9

8.2

9.9

7.6

8.5

8.4

8.0

8.4

8.2

7.6

7.9

8.7

8.4

8.4

8.6

* Aba

nkT

aSo

ris

i se

sxeb

is/d

epo

zit

ebis

gar

eSe.

Page 67: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

66

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

1.01.10 - - - - - -1.02.10 - - - - - -1.03.10 - - - - - -1.04.10 15 15 - - - -1.05.10 - - - - - -1.06.10 - - - - - -1.07.10 - - - - - -1.08.10 - - - - - -1.09.10 - - - - - -1.10.10 - - - - - -1.11.10 - - - - - -1.12.10 - - - - - -1.01.11 - - - - - -1.02.11 - - - - - -1.03.11 - - - - - -1.04.11 - - - - - -1.05.11 900 - 900 - - -1.06.11 3900 - 3900 - - -1.07.11 5000 - - - - 50001.08.11 5000 - - - - 50001.09.11 5000 - - - - 50001.10.11 5000 - - - - 50001.11.11 5000 - - - - 50001.12.11 17031 - - - - 170311.01.12 17031 - - - - 17031

1.01.10 - - - - - -1.02.10 - - - - - -1.03.10 - - - - - -1.04.10 48.0 48.0 - - - -1.05.10 - - - - - -1.06.10 - - - - - -1.07.10 - - - - - -1.08.10 - - - - - -1.09.10 - - - - - -1.10.10 - - - - - -1.11.10 - - - - - -1.12.10 - - - - - -1.01.11 - - - - - -1.02.11 - - - - - -1.03.11 - - - - - -1.04.11 - - - - - -1.05.11 14.0 - 14.0 - - -1.06.11 14.0 - 14.0 - - -1.07.11 14.0 - - - - 14.01.08.11 14.0 - - - - 14.01.09.11 14.0 - - - - 14.01.10.11 14.0 - - - - 14.01.11.11 14.0 - - - - 14.01.12.11 13.3 - - - - 13.31.01.12 13.3 - - - - 13.3

wyaro: komerciuli bankebis statistikuri angariSebi.

IV. safinanso bazrebi

saprocento ganakveTebi, %

maT Soris:

aTasi lari

4.1. komerciuli bankebis mier auqcionis gareSe sxva bankebze erovnuli valutiT gacemuli

sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

davalianeba,

sul

* Awyaro: komerciuli bankebis statistikuri angariSebi.

Page 68: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

67

1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti

1.01.10 4215 - - - - 42151.02.10 4354 - - - - 43541.03.10 4340 - - - - 43401.04.10 4374 - - - - 43741.05.10 4375 - - - - 43751.06.10 4462 - - - - 44621.07.10 4611 - - - - 46111.08.10 4462 - - - - 44621.09.10 4583 - - - - 45831.10.10 4516 - - - - 45161.11.10 4445 - - - - 44451.12.10 4418 - - - - 44181.01.11 4432 - - - - 44321.02.11 4522 - - - - 45221.03.11 4395 - - - 3 43921.04.11 4265 - - - - 42651.05.11 4104 - - - 2 41021.06.11 4165 - - - - 41651.07.11 4166 - - - - 41661.08.11 4166 - - - - 41661.09.11 4114 - - - - 41141.10.11 4153 - - - - 41531.11.11 4148 - - - - 41481.12.11 4146 - - - - 41461.01.12 4176 - - - - 4176

1.01.10 11.0 - - - - 11.01.02.10 11.0 - - - - 11.01.03.10 11.0 - - - - 11.01.04.10 11.0 - - - - 11.01.05.10 11.0 - - - - 11.01.06.10 11.0 - - - - 11.01.07.10 11.0 - - - - 11.01.08.10 11.0 - - - - 11.01.09.10 11.0 - - - - 11.01.10.10 11.0 - - - - 11.01.11.10 11.0 - - - - 11.01.12.10 11.0 - - - - 11.01.01.11 11.0 - - - - 11.01.02.11 11.0 - - - - 11.01.03.11 11.0 - - - 24.0 11.01.04.11 11.0 - - - - 11.01.05.11 11.0 - - - 24.0 11.01.06.11 11.0 - - - - 11.01.07.11 11.0 - - - - 11.01.08.11 11.0 - - - - 11.01.09.11 11.0 - - - - 11.01.10.11 11.0 - - - - 11.01.11.11 11.0 - - - - 11.01.12.11 11.0 - - - - 11.01.01.12 11.0 - - - - 11.0

wyaro: komerciuli bankebis statistikuri angariSebi.

maT Soris:

aTasi lari

saprocento ganakveTebi, %

4.2. komerciuli bankebis mier auqcionis gareSe sxva bankebze ucxouri valutiT gacemuli

sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

davalianeba,

sul

* Awyaro: komerciuli bankebis statistikuri angariSebi.

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68

minimal

uri

maqsimal

uri

saSual

o

Sewonil

i

28182

13/07/11

12/01/12

25000

27700

25000

1044

8.5

8.8

8.7

30182

27/07/11

26/01/12

25000

55300

25000

1005

8.3

8.5

8.4

32182

10/08/11

09/02/12

25000

59500

25000

971

8.0

8.1

8.1

34182

24/08/11

23/02/12

25000

65000

25000

953

7.8

8.0

7.9

36183

07/09/11

09/03/12

35000

76500

35000

1327

7.7

7.9

7.9

38182

21/09/11

22/03/12

25000

54500

25000

981

7.7

8.7

8.2

40182

05/10/11

05/04/12

25000

53000

25000

1021

8.3

8.7

8.5

4184

12/10/11

05/01/12

10000

24500

10000

186

8.0

8.4

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ari

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)

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Page 70: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

69

kom.

bankebidan

ararezi-

denti

bankebidan

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ul

i

pirebisgan

fizikuri

pirebisgan

kom.

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dent

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arda:

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arda:

seb-i

s

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luto

auqcion-

ze*

aqedan:

erovnul

i

bankidan

seb-is

sava-

luto

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ze*

aqedan:

erovnul

bankze

komerciul

i b

ankebis m

ier g

ayidul

i a

SS d

ol

ari

sul

4.5

. saval

uto b

azarze a

SS d

ol

ariT g

anxorciel

ebul

i o

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aTas

i aS

S d

ol

ari

sul

komerciul

i b

ankebis m

ier n

ayidi a

SS d

ol

ari

Page 71: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

70

kom.

bankebidan

ararezi-

denti

bankebidan

iuridi-

ul

i

pirebisgan

fizikuri

pirebisgan

kom.

bankebidan

ararezi-

denti

bankebidan

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ul

i

pirebisgan

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pirebisgan

2010

1379401

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259350

499403

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1372652

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uto b

azarze e

vroTi g

anxorciel

ebul

i o

peraciebi

aTas

i ev

ro

gayidul

i e

vro

sul

bankTaSori

si

saval

uto

birJis

gareT

aqedan:

sul

nayidi e

vro

bankTaSori

si

saval

uto

birJis

gareT

aqedan:

Page 72: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

71

nominal

uri

kursis

procentul

i

cvl

il

eba, %

periodis

bol

os

saSual

od

periodis

ganmavl

obaSi

wina

periodTan

SedarebiT

dekemberi

1995=100

aSS-Si

saqarTve-

loSi

2010

ianvari

1.7415

1.7097

1.82

37.93

137.93

141.16

276.75

142.15

-1.02

Teberval

i

1.7360

1.7255

0.92

39.20

139.20

141.19

280.83

142.88

0.52

marti

1.7494

1.7288

0.19

39.47

139.47

141.77

280.20

141.71

-0.82

april

i1.7738

1.7517

1.32

41.31

141.31

142.02

280.88

139.96

-1.24

maisi

1.7847

1.7800

1.62

43.60

143.60

142.13

279.88

137.13

-2.02

ivnisi

1.8442

1.8579

4.37

49.88

149.88

141.99

279.05

131.13

-4.38

ivl

isi

1.8391

1.8429

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48.67

148.67

142.02

278.39

131.85

0.55

agvisto

1.8330

1.8399

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48.43

148.43

142.22

284.86

134.95

2.35

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1.8064

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147.83

142.30

293.69

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142.48

299.67

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1.7593

1.7625

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142.18

142.54

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149.42

2.78

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1.7728

1.7632

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42.24

142.24

142.78

304.32

149.84

0.28

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ianvari

1.8089

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1.85

44.88

144.88

143.46

310.57

149.42

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Teberval

i

1.7568

1.7760

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138.12

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135.20

147.20

319.99

160.79

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1.6665

1.6548

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33.50

133.50

147.05

307.05

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isi

1.6549

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1.6610

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1.6703

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310.53

157.70

0.76

Seni

Svna

: * -

gaa

ngar

iSeb

ul

ia n

omi

nal

ur

i ga

cvl

iTi

kur

sis

ind

eqsi

s Se

bru

nebu

li

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rav

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in

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s Se

far

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aze.

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Tve

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s er

ovn

ul

i ba

nki,

saq

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vel

os

stat

ist

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er

ovn

ul

i sa

msax

ur

i, a

SS S

ro

mis

stat

ist

ikis

biu

ro

.

4.7

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iTi k

ursebi: aSS d

ol

ari/l

ari

samomxmarebl

o f

asebis

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995=100)

laris k

ursi a

SS d

ol

aris

mimarT

nominal

uri

kursis

indeqsi

(dekemberi

1995=100)

aSS d

ol

aris

mimarT l

aris

real

uri

gacvl

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kursis

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(dekemberi

1995=100)

laris

real

uri

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kursis

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procentul

i

cvl

il

eba w

ina

TvesTan

Page 73: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

72

nominal

uri k

ursis

procentul

i c

vl

il

eba, %

periodis

bol

os

saSual

od

periodis

ganmavl

obaSi

wina

periodTan

SedarebiT

dekemberi

1995=100

ruseTSi

saqarTvel

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2010

ianvari

5.7227

5.7095

1.77

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22.84

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276.75

87.51

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i

5.7792

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1397.20

280.83

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5.9577

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280.20

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i6.0563

5.9919

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280.88

83.13

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5.8523

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279.88

84.21

1.30

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5.9118

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isi

6.0924

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0.76

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5.9777

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24.26

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284.86

81.74

0.74

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5.9415

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4.37

4.8

. gacvl

iTi k

ursebi: rusul

i r

ubl

i/l

ari

laris k

ursi r

usul

i

rubl

is m

imarT

nominal

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kursis

indeqsi

(dekemberi

1995=100)

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i

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is m

imarT

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eal

uri

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ndeqsi*

(dekemberi

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laris r

eal

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ursis

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ina

TvesTan

oqtomberi

5.7761

5.9146

-0.48

-76.34

23.66

1455.51

299.67

87.03

2.02

noemberi

5.6197

5.6942

-3.73

-77.22

22.78

1467.15

302.82

90.62

4.13

dekemberi

5.8169

5.7153

0.37

-77.14

22.86

1483.29

304.32

89.74

-0.97

2011

ianvari

6.0971

5.9698

4.45

-76.12

23.88

1518.89

310.57

85.63

-4.59

Teberval

i

6.0704

6.0626

1.55

-75.75

24.25

1531.04

319.32

86.01

0.44

marti

6.0006

6.0201

-0.70

-75.92

24.08

1540.23

319.25

86.08

0.08

april

i5.9661

5.9179

-1.70

-76.33

23.67

1546.39

318.80

87.09

1.18

maisi

5.9348

6.0143

1.63

-75.94

24.06

1554.12

319.99

85.59

-1.73

ivnisi

5.9357

5.9136

-1.68

-76.35

23.65

1557.23

307.05

83.36

-2.60

ivl

isi

5.9788

5.9704

0.96

-76.12

23.88

1557.23

302.05

81.22

-2.57

agvisto

5.7030

5.7396

-3.87

-77.04

22.96

1554.11

305.25

85.55

5.33

seqtemberi

5.2110

5.4543

-4.97

-78.18

21.82

1554.11

307.09

90.57

5.86

oqtomberi

5.5496

5.2914

-2.99

-78.83

21.17

1561.89

306.62

92.75

2.41

noemberi

5.2944

5.3761

1.60

-78.50

21.50

1568.13

308.63

91.52

-1.33

dekemberi

5.1879

5.2791

-1.80

-78.88

21.12

1574.41

310.53

93.40

2.06

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73

nominal

uri k

ursis

procentul

i c

vl

il

eba,

%

periodis

bol

os

saSual

od

periodis

ganmavl

obaSi

wina

periodTan

SedarebiT

dekemberi

2001=100

evrozonaSi

saqarTvel

oSi

2010

ianvari

2.4313

2.4429

-0.64

28.15

128.15

116.75

170.69

114.09

2.56

Teberval

i

2.3632

2.3597

-3.41

23.78

123.78

117.11

173.20

119.48

4.73

marti

2.3589

2.3468

-0.54

23.11

123.11

118.17

172.82

118.79

-0.58

april

i2.3494

2.3507

0.17

23.31

123.31

118.71

173.23

118.34

-0.38

maisi

2.2141

2.2496

-4.30

18.01

118.01

118.86

172.62

123.06

3.99

ivnisi

2.2484

2.2706

0.93

19.11

119.11

118.87

172.11

121.55

-1.23

ivl

isi

2.3897

2.3510

3.54

23.33

123.33

118.47

171.70

117.51

-3.32

agvisto

2.3296

2.3740

0.98

24.53

124.53

118.71

175.69

118.84

1.13

seqtemberi

2.4585

2.3865

0.53

25.19

125.19

118.95

181.13

121.64

2.35

oqtomberi

24595

24910

438

3067

13067

11937

18482

11849

-259

4.9

. gacvl

iTi k

ursebi: evro/l

ari

laris k

ursi e

vros m

imarT

nominal

uri

kursis

indeqsi

(dekemberi

2001=100)

samomxmarebl

o f

asebis

indeqsi

(dekemberi 2

001=100)

evros m

imarT

laris r

eal

uri

gacvl

iTi k

ursis

indeqsi*

(dekemberi

2001=100)

laris r

eal

uri

gacvl

iTi

kursis i

ndeqsis

procentul

i

cvl

il

eba w

ina

TvesTan

oqtomberi

2.4595

2.4910

4.38

30.67

130.67

119.37

184.82

118.49

2.59

noemberi

2.3223

2.4179

-2.93

26.84

126.84

119.52

186.77

123.20

3.97

dekemberi

2.3500

2.3308

-3.60

22.27

122.27

120.25

187.69

127.66

3.62

2011

ianvari

2.4843

2.4015

3.03

25.98

125.98

119.39

191.54

127.35

-0.24

Teberval

i

2.4216

2.4223

0.87

27.07

127.07

119.89

196.94

129.28

1.51

marti

2.4036

2.3961

-1.08

25.69

125.69

121.52

196.90

128.91

-0.29

april

i2.4384

2.4017

0.23

25.99

125.99

122.20

196.62

127.71

-0.93

maisi

2.3799

2.4109

0.39

26.47

126.47

122.21

197.36

127.68

-0.02

ivnisi

2.4054

2.3792

-1.31

24.81

124.81

122.20

189.38

124.16

-2.76

ivl

isi

2.3554

2.3805

0.05

24.88

124.88

121.46

186.29

122.83

-1.08

agvisto

2.3716

2.3648

-0.66

24.05

124.05

121.68

188.26

124.72

1.54

seqtemberi

2.2641

2.2970

-2.86

20.50

120.50

122.61

189.40

128.19

2.79

oqtomberi

2.3491

2.2741

-1.00

19.29

119.29

123.03

189.11

128.85

0.51

noemberi

2.2234

2.2533

-0.91

18.20

118.20

123.15

190.35

130.76

1.49

dekemberi

2.1614

2.1911

-2.76

14.94

114.94

123.55

191.52

134.86

3.14

wyaro: s

aqar

Tve

lo

s er

ovn

ul

i ba

nki,

saq

arT

vel

os

stat

ist

ikis

er

ovn

ul

i sa

msax

ur

i, e

vro

stat

i.Se

niSv

na: *

- g

aang

ariS

ebu

lia

no

mina

lu

ri

gac

vlis

ku

rsi

s in

deq

sis

gam

rav

leb

iT s

aqar

Tve

lo

sa d

a ev

ro

zo

naSi

sam

omx

mar

ebl

o f

aseb

is i

ndeq

sebi

s Se

far

deb

aze.

Page 75: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

74

nominal

uri k

ursis

procentul

i c

vl

il

eba, %

periodis

bol

osaTvis

saSual

od

periodis

ganmavl

obaSi

wina

periodTan

SedarebiT

dekemberi

1995=100

TurqeTSi

saqarTve-

loSi

2010

ianvari

1.1669

1.1585

3.84

-94.48

5.52

6274.44

276.75

79.95

-4.38

Teberval

i

1.1279

1.1380

-1.77

-94.58

5.42

6365.27

280.83

81.42

1.83

marti

1.1444

1.1260

-1.05

-94.64

5.36

6402.40

280.20

81.62

0.25

april

i1.1927

1.1711

4.01

-94.42

5.58

6440.61

280.88

78.20

-4.19

maisi

1.1468

1.1528

-1.57

-94.51

5.49

6417.54

279.88

79.45

1.59

ivnisi

1.1665

1.1777

2.16

-94.39

5.61

6381.49

279.05

77.97

-1.86

ivl

isi

1.2151

1.1949

1.46

-94.31

5.69

6350.86

278.39

77.04

-1.20

agvisto

1.2089

1.2177

1.91

-94.20

5.80

6376.45

284.86

77.04

0.00

seqtemberi

1.2412

1.2237

0.49

-94.17

5.83

6454.67

293.69

78.09

1.36

oqtomberi

1.2376

1.2570

2.72

-94.01

5.99

6572.90

299.67

76.17

-2.45

noemberi

1.1790

1.2262

-2.45

-94.16

5.84

6574.70

302.82

78.88

3.56

dekemberi

1.1412

1.1622

-5.22

-94.47

5.53

6554.87

304.32

83.89

6.35

2011

ianvari

1.1363

1.1512

-0.95

-94.52

5.48

6581.91

310.57

86.08

2.61

Teberval

i

1.0983

1.1153

-3.11

-94.69

5.31

6629.85

319.32

90.69

5.36

marti

1.0963

1.0821

-2.98

-94.85

5.15

6657.60

319.25

93.06

2.62

april

i1.0788

1.0941

1.11

-94.79

5.21

6715.28

318.80

91.12

-2.08

maisi

1.0398

1.0660

-2.57

-94.92

5.08

6877.84

319.99

91.66

0.59

ivnisi

1.0193

1.0337

-3.03

-95.08

4.92

6779.44

307.05

92.01

0.39

ivl

isi

0.9820

1.0079

-2.49

-95.20

4.80

6751.68

302.05

93.21

1.30

agvisto

0.9486

0.9411

-6.62

-95.52

4.48

6800.70

305.25

100.15

7.45

seqtemberi

0.8966

0.9299

-1.20

-95.57

4.43

6851.89

307.09

101.22

1.06

oqtomberi

0.9505

0.9071

-2.45

-95.68

4.32

7076.09

306.62

100.32

-0.89

noemberi

0.8974

0.9180

1.20

-95.63

4.37

7198.29

308.63

98.09

-2.23

dekemberi

0.8725

0.8894

-3.11

-95.76

4.24

7239.74

310.53

101.28

3.25

Seni

Svna

: * -

gaa

ngar

iSeb

ul

ia n

omi

nal

ur

i ga

cvl

iTi

kur

sis

ind

eqsi

s Se

bru

nebu

li

sid

idis

gam

rav

leb

iT s

aqar

Tve

lo

sa d

a T

ur

qeT

is s

amo

mxma

reb

lo

fas

ebis

in

deq

sebi

s Se

far

deb

aze.

wyaro: s

aqar

Tve

lo

s er

ovn

ul

i ba

nki,

saq

arT

vel

os

stat

ist

ikis

er

ovn

ul

i sa

msax

ur

i, T

ur

qeT

is s

tat

ist

ikis

ins

tit

ut

i.

4.1

0. gacvl

iTi k

ursebi: Turqul

i l

ira/l

ari

samomxmarebl

o f

asebis

indeqsi (dekemberi

1995=100)

laris k

ursi T

urqul

i

liris m

imarT

nominal

uri

kursis

indeqsi

(dekemberi

1995=100)

Turqul

i l

iris

mimarT l

aris

real

uri

gacvl

iTi k

ursis

indeqsi*

(dekemberi

1995=100)

laris r

eal

uri

gacvl

iTi k

ursis

indeqsis

procentul

i

cvl

il

eba w

ina

TvesTan

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75

(1995 wlis dekemberi=100)procentuli cvlileba wina

TvesTan

2010ianvari 114.9 -1.5Tebervali 116.6 1.5marti 115.9 -0.6aprili 113.6 -2.0maisi 114.4 0.7ivnisi 111.4 -2.7ivlisi 110.1 -1.2agvisto 111.1 0.9seqtemberi 113.6 2.2oqtomberi 113.8 0.2noemberi 117.2 3.0dekemberi 119.9 2.3

2011ianvari 119.7 -0.2Tebervali 123.0 2.8marti 125.4 2.0aprili 126.0 0.5maisi 125.7 -0.3ivnisi 123.5 -1.8ivlisi 122.3 -1.0agvisto 126.5 3.4seqtemberi 128.0 1.2oqtomberi 128.2 0.1noemberi 128.0 -0.2dekemberi 130.0 1.6

(1995 wlis dekemberi=100)procentuli cvlileba wina

TvesTan

2010ianvari 226.6 -1.7Tebervali 229.0 1.0marti 229.6 0.3aprili 225.3 -1.9maisi 227.4 1.0ivnisi 221.2 -2.7ivlisi 218.8 -1.1agvisto 217.0 -0.9seqtemberi 217.2 0.1oqtomberi 215.1 -1.0noemberi 220.3 2.4dekemberi 225.6 2.4

2011ianvari 222.1 -1.6Tebervali 224.1 0.9marti 230.4 2.8aprili 233.1 1.2maisi 233.4 0.1ivnisi 237.5 1.8ivlisi 237.9 0.1agvisto 244.0 2.6seqtemberi 246.6 1.1oqtomberi 249.6 1.2noemberi 249.4 -0.1dekemberi 253.2 1.5

SeniSvna: gaangariSebulia 12 ZiriTadi sagareo savaWro partniori qveynis mixedviT.

4.11. realuri efeqturi gacvliTi kursis dinamika

4.12. nominaluri efeqturi gacvliTi kursis dinamika

Page 77: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

76

ucxouri valuta

nasesxobis

specialuri

uflebebi

sarezervo

pozicia ssf-Sioqro

1995* 196188.8 194437.7 1736.2 14.9 -1996* 190850.2 190765.6 70.2 14.4 -1997* 200445.9 200297.6 134.8 13.5 -1998* 127792.5 122581.8 5196.6 14.1 -1999* 135932.1 127512.5 8405.9 13.7 -2000* 112370.1 109090.4 3266.7 13.0 -2001* 161939.3 157973.5 3953.2 12.6 -2002* 202167.4 199270.0 2883.8 13.6 -2003* 196187.8 191270.7 4902.2 14.9 -2004* 386639.1 375441.0 11182.5 15.5 -2005* 478645.8 477605.3 1026.2 14.3 -2006* 930833.4 929913.5 904.9 15.0 -2007* 1361139.9 1346338.2 14786.0 15.8 -2008* 1480157.6 1467835.4 12306.7 15.4 -2009* 2110413.5 1891575.7 218822.1 15.7 -201029.01 2106204.0 1880048.2 226140.2 15.5 -26.02 2046269.1 1825918.0 220335.8 15.3 -31.03 2199234.1 1980321.2 218897.8 15.2 -30.04 2116174.0 1896459.8 219699.2 15.1 -31.05 1957092.3 1744696.2 212381.3 14.7 -30.06 1864408.9 1653975.7 210418.4 14.8 -30.07 1947257.3 1725071.7 222170.4 15.2 -31.08 1948646.7 1731289.1 217342.5 15.1 -30.09 2110240.5 1886894.5 223330.4 15.6 -29.10 2143452.4 1908986.1 234450.6 15.7 -30.11 2243098.1 2019666.5 223416.3 15.3 -31.12 2263931.0 2041364.9 222550.7 15.4 -201131.01 2413276.2 2181023.7 232236.9 15.6 -28.02 2519379.8 2292645.1 226719.0 15.7 -31.03 2717701.3 2484448.1 233237.3 15.9 -29.04 2838315.1 2600617.9 237681.0 16.2 -31.05 2741576.7 2512039.9 229520.9 16.0 -30.06 2759253.8 2516094.7 243143.1 16.0 -29.07 2782237.9 2544176.8 238045.1 16.0 -31.08 2813452.7 2581522.3 231914.4 16.1 -30.09 2755211.8 2529146.3 226049.8 15.6 -31.10 2861887.8 2626045.0 235826.9 15.9 -30.11 2780196.0 2556031.8 224148.6 15.5 -31.12 2818261.2 2594910.3 223335.6 15.4 -

* periodis bolos.

V. sagareo seqtori

5.1. mTliani saerTaSoriso rezervebi

(aTasi aSS dolari)

oficialuri

sarezervo

aqtivebi

aqedan:

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77

5.2

saqarTvel

os s

axel

mwifo s

agareo v

al

i( s

axel

mwif

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ul

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edit

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Teb

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apr

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agv

seq

oqt

noe

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mTl

iani s

agareo v

al

i, periodis

bol

osaTvis

3422.1

3389.9

3517.1

3511.1

3443.8

3460.5

3578.9

3571.0

3750.4

3832.0

3868.7

3933.5

maT S

oris:

mokl

evadiani k

reditebi

--

--

--

--

--

--

grZel

vadiani k

reditebi

3422.1

3389.9

3517.1

3511.1

3443.8

3460.5

3578.9

3571.0

3750.4

3832.0

3868.7

3933.5

sagareo v

al

is m

omsaxurebasTan

dakavSirebul

i g

adasaxdel

ebi

4.3

8.2

5.0

20.6

5.7

11.7

34.4

8.9

4.4

20.5

7.8

10.8

maT S

oris:

ZiriTadi v

al

is g

adaxdasTan

dakavSirebul

i2.5

3.1

1.9

0.2

4.1

6.9

30.7

3.0

2.5

1.0

4.8

7.3

procentebis g

adaxdasTan

dakavSirebul

i

1.8

5.1

3.1

20.4

1.7

4.8

3.7

5.9

1.9

19.5

3.0

3.5

2010

mil

ioni

aSS

do

lar

i

dk

ve

ul

saqonl

isa d

a m

omsaxurebis

eqsporti

xx

846.9

xx

942.9

xx

1077.1

xx

1196.9

mTl

iani s

agareo v

al

i

procentul

ad m

Tl

ian S

ida

produqtTan

xx

30.2

xx

29.7

xx

32.2

xx

33.7

mTl

iani s

agareo v

al

i

procentul

ad e

qsportTan

xx

86.5

xx

85.2

xx

92.3

xx

96.8

sagareo v

al

is m

omsaxurebis

koeficientebi:

sagareo v

al

is m

omsaxurebasTan

dakavSirebul

i g

adasaxdel

ebi

procentul

ad e

qsportTan

xx

2.1

xx

4.0

xx

4.4

xx

3.3

procentebTan d

akavSirebul

i

gadasaxdel

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xx

1.2

xx

2.8

xx

1.1

xx

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Sef

ard

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ram

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%

* Aw

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inan

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78

5.2

saqarTvel

os s

axel

mwifo s

agareo v

al

i( s

axel

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iani s

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i, periodis

bol

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maT S

oris:

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grZel

vadiani k

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sagareo v

al

is m

omsaxurebasTan

dakavSirebul

i g

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maT S

oris:

ZiriTadi v

al

is g

adaxdasTan

dakavSirebul

i

procentebis g

adaxdasTan

dakavSirebul

i

ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

4001.3

4017.7

4062.0

4210.7

4172.5

4178.7

4202.9

4244.8

4158.9

4248.7

4179.5

4197.4

--

--

--

--

--

--

4001.3

4017.7

4062.0

4210.7

4172.5

4178.7

4202.9

4244.8

4158.9

4248.7

4179.5

4197

.4

5.1

11.3

5.1

4.1

7.7

12.2

24.4

8.8

5.4

22.6

8.4

13.0

2.6

5.8

2.5

0.5

4.1

7.9

21.9

3.1

2.6

1.3

5.2

8.3

25

55

25

36

35

43

24

57

28

213

32

47

2011

mil

ioni

aSS

do

lar

i

dk

ve

ul

saqonl

isa d

a m

omsaxurebis

eqsporti

mTl

iani s

agareo v

al

i

procentul

ad m

Tl

ian S

ida

produqtTan

mTl

iani s

agareo v

al

i

procentul

ad e

qsportTan

sagareo v

al

is m

omsaxurebis

koeficientebi:

sagareo v

al

is m

omsaxurebasTan

dakavSirebul

i g

adasaxdel

ebi

procentul

ad e

qsportTan

procentebTan d

akavSirebul

i

gadasaxdel

ebi p

rocentul

ad

eqsportTan

2.5

5.5

2.5

3.6

3.5

4.3

2.4

5.7

2.8

21.3

3.2

4.7

xx

1085.8

xx

1306.7

xx

1387.0

xx

x

xx

28.0

xx

28.8

xx

28.7

xx

x

xx

71.2

xx

73.2

xx

72.9

xx

x

xx

2.0

xx

1.8

xx

2.8

xx

x

xx

1.0

xx

0.9

xx

0.8

xx

x

Sef

ard

ebiT

i pa

ram

etr

ebi,

%

* Aw

yar

o: s

aqar

Tve

lo

s f

inan

sTa

sami

nist

ro

; saq

arT

vel

os

stat

ist

ikis

er

ovn

ul

i sa

msax

ur

i.

Page 80: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

79

2010

I kv.

, 10

II kv

., 10

III k

v., 1

0IV

kv.

, 10

2011

I kv.

11II

kv.1

1III

kv.

11

mimdinare a

ngariSi

-1336974

-255653

-373153

-287464

-420704

-1312153

-352243

-445771

-514140

saqonel

i-2586292

-512706

-642152

-661797

-769636

-2381122

-686221

-732366

-962536

saqo

nel

i: e

qspo

rt

i (FO

B)2462202

542446

587866

583994

747896

2308438

688820

841441

778177

saqo

nel

i: i

mpo

rt

i (FOB)

-5048493

-1055152

-1230018

-1245791

-1517532

-4689560

-1375040

-1573807

-1740713

momsaxureba

513454

86605

91031

201711

134107

564122

150838

150277

263007

kred

iti

1598771

304484

354264

492600

447424

1471101

397013

465232

608856

deb

eti

-1085317

-217879

-263233

-290889

-313317

-906978

-246175

-314955

-345848

Semosavl

ebi

-362611

-110745

-52954

-104192

-94720

-387833

-100066

-154178

-133589

kred

iti

416344

94151

100576

108577

113040

405072

107356

134985

162732

deb

eti

-778955

-204897

-153530

-212769

-207760

-792906

-207422

-289163

-296321

mimdinare t

ransfertebi

1098474

281193

230922

276814

309545

892680

283206

290496

318977

kred

iti

1183437

298683

252879

298395

333480

959168

304728

312026

342414

deb

eti

-84962

-17490

-21956

-21581

-23935

-66488

-21522

-21530

-23437

kapital

isa d

a f

inansuri a

ngariSi

1354321

265566

397968

277774

413013

1281846

365507

425879

490460

a. kapital

is a

ngariSi

206440

26230

41818

52790

85602

130735

54929

47663

28143

kred

iti

206594

26256

41851

52840

85647

130895

54967

47712

28216

deb

eti

-154

-26

-33

-50

-46

-160

-38

-49

-73

b. finansuri a

ngariSi

1147881

239335

356150

224984

327412

1151110

310578

378216

462317

pirdapiri i

nvesticiebi

810818

167483

209025

225322

208988

648994

184983

196030

267981

saz

Rva

rga

reT

-5890

155

-25

-970

-5051

11997

11113

-1075

1959

saz

Rva

rga

reT

idan

816709

167328

209050

226292

214038

636998

173870

197105

266022

portfel

is i

nvesticiebi

252094

9334

-25429

262382

5807

107139

35240

62248

9652

aqt

iveb

i-610

-116

-674

4840

255

10pa

sive

bi252704

9335

-25445

263055

5759

107100

35215

62243

9642

finansuri w

armoebul

ebi

764

-91

-26

344

537

240

-41

-2330

2611

aqt

iveb

i1723

156

275

583

709

6538

142

1584

4812

pasi

vebi

-959

-247

-301

-238

-172

-6298

-182

-3914

-2201

sxva i

nvesticiebi

292173

201465

-86606

-108455

285769

866435

497412

138468

230555

aqt

iveb

i-408222

45111

-175136

-231002

-47196

334302

303272

137153

-106123

pasi

vebi

700395

156354

88530

122547

332965

532133

194140

1316

336678

sarezervo a

qtivebis c

vl

il

eba ("+

"

Semcireba, "-

" z

rda)

-207969

-138857

259186

-154609

-173689

-471698

-407016

-16200

-48482

wminda S

ecdomebi d

a g

amotovebebi

-17347

-9912

-24815

9690

7690

30308

-13264

19892

23680

5.3

. saqarTvel

os s

agadasaxdel

o b

al

ansi

(aTasi a

SS d

ol

ari)

Page 81: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

80

sul

ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

2008

1495

345

9615

710

1214

1313

9713

5533

1442

2318

7019

1607

8511

2046

1704

7511

0824

7122

774

444

2009

1133

622

6199

373

883

8196

490

575

9833

410

6637

1020

0811

2227

9262

710

3822

9724

311

2309

2010

1574

084

1060

6510

9656

1251

1512

6934

1387

6311

3141

1434

0511

2059

1197

5212

5819

1647

7618

8600

2011

2189

136

1490

1114

6579

1694

9319

1970

1997

8418

0199

1491

5118

4408

1808

5318

6641

1982

5225

2797

impo

rti

2008

6301

540

4025

7547

3805

5277

2757

9390

6109

5360

0701

6292

3843

8215

5434

8255

3710

4424

0049

9343

2009

4366

106

3058

3730

0314

3536

2231

7562

3168

2438

3780

3860

3236

6643

3769

1441

7351

3816

6145

9565

2010

5248

541

2940

1733

0235

4384

0439

1594

4442

6541

3962

4207

6345

1854

4554

9350

2161

4941

7761

1616

2011

7054

269

4513

1042

3794

5838

2553

1280

5612

1756

7722

5739

5068

2729

6160

4066

5669

6649

6873

1767

sagareo savaWro br

unva 20

0877

9688

649

8732

5750

2065

9124

7149

2375

5177

7877

2079

0023

5502

6171

3958

6645

3451

3627

5737

8720

0954

9972

836

7830

3741

9743

5586

4081

3841

5158

4904

1748

8040

4788

7046

9541

5211

7347

8904

5718

7420

1068

2262

540

0083

4398

9156

3519

5185

2858

3028

5271

0256

4168

5639

1357

5244

6279

8065

8953

8002

1620

1192

4340

560

0320

5703

7275

3318

7232

5076

1000

7479

2172

3101

8671

3779

6892

8523

1086

3220

9845

64sagareo savaWro balansi

2008

-480

6195

-306

418

-372

591

-396

330

-443

858

-466

730

-413

681

-468

454

-326

168

-373

007

-442

887

-371

173

-424

899

2009

-323

2483

-243

845

-226

432

-271

658

-226

987

-218

491

-277

143

-284

023

-254

417

-284

287

-313

529

-284

417

-347

255

2010

-367

4456

-187

952

-220

578

-313

288

-264

660

-305

501

-300

821

-277

358

-339

796

-335

741

-376

342

-329

402

-423

016

2011

-486

5134

-302

299

-277

215

-414

332

-339

310

-361

433

-387

524

-424

800

-498

321

-435

187

-479

028

-466

716

-478

971

eqspo

rti

2008

108.

212

8.4

124.

212

5.6

116.

012

8.5

98.0

103.

898

.110

9.5

88.7

81.2

124.

220

0975

.864

.573

.062

.466

.868

.257

.063

.410

0.2

54.3

93.7

136.

515

0.9

2010

138.

917

1.1

148.

415

2.6

140.

114

1.1

106.

114

0.6

99.9

129.

312

1.2

169.

416

7.9

2011

139.

114

0.5

133.

713

5.5

151.

214

4.0

159.

310

4.0

164.

615

1.0

148.

312

0.3

134.

0impo

rti

2008

147.

714

3.6

160.

414

7.3

161.

316

7.9

175.

613

3.8

162.

515

0.5

139.

711

0.1

149.

920

0969

.376

.063

.467

.054

.851

.963

.961

.383

.769

.475

.486

.392

.020

1012

0.2

96.1

110.

012

4.0

123.

314

0.2

107.

910

9.0

123.

212

0.8

120.

312

9.5

133.

120

1113

4.4

153.

512

8.3

133.

213

5.7

126.

313

7.1

136.

415

1.1

135.

213

2.6

134.

611

9.6

sagareo savaWro br

unva 20

0813

7.5

139.

315

1.0

141.

414

7.7

158.

115

3.6

126.

614

5.8

140.

612

7.6

102.

414

3.9

2009

70.5

73.8

65.1

66.1

57.1

55.0

62.3

61.8

87.0

65.8

78.4

93.2

99.7

2010

124.

110

8.8

117.

612

9.4

127.

014

0.4

107.

511

5.6

117.

812

2.5

120.

513

7.6

139.

920

1113

5.5

150.

012

9.7

133.

713

9.5

130.

514

1.9

128.

215

3.8

138.

513

5.7

131.

012

3.0

sagareo savaWro balansi

2008

168.

815

3.5

179.

816

0.5

195.

318

7.3

226.

314

7.4

197.

416

9.7

162.

712

6.4

161.

120

0967

.379

.660

.868

.551

.146

.867

.060

.678

.076

.270

.876

.681

.720

1011

3.7

77.1

97.4

115.

311

6.6

139.

810

8.5

97.7

133.

611

8.1

120.

011

5.8

121.

820

1113

2.4

160.

812

5.7

132.

312

8.2

118.

312

8.8

153.

214

6.7

129.

612

7.3

141.

711

3.2

procentulad wina wlis anal

ogiu

r perio

dTan Sedar

ebiT

aTasi aSS dolari

5.4 saqarTvel

os sagareo vaWroba

(araorganizebuli vaWrobis gareSe)

eqspo

rti

* Aw

yar

o: s

aqar

Tve

lo

s st

atis

tik

is e

ro

vnu

li

sams

axu

ri.

Page 82: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

81

eqsporti

(FOB)importi

(CIF)balansi Tanxa %

TurqeTi 227583.8 1272426.8 -1044843.0 1500010.6 16.2azerbaijani 425906.3 610793.5 -184887.2 1036699.8 11.2ukraina 141246.7 705580.6 -564333.9 846827.3 9.2CineTi 28885.7 524755.8 -495870.1 553641.5 6.0germania 49056.5 480587.9 -431531.4 529644.4 5.7ruseTi 36610.4 389711.6 -353101.2 426322.0 4.6aSS 143466.2 245796.7 -102330.5 389262.9 4.2bulgareTi 93689.0 255553.3 -161864.3 349242.3 3.8somxeTi 223036.7 59086.5 163950.2 282123.2 3.1arabTa gaerTianebuli emiratebi 40045.0 226379.0 -186334.0 266424.0 2.9ZiriTadi partniorebi, sul 1409526.3 4770671.7 -3361145.4 6180198.0 xsul 2189135.8 7057759.7 -4868623.9 9246895.5 100.0umsxvilesi savaWro partniorebis wili,% 64.4 67.6 69.0 66.8 x

2011sagareo savaWro brunva

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

5.5. saqarTvelos umsxvilesi sagareo savaWro partniori qveynebi(aTasi aSS dolari)

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

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82

aTasi aSS

dolari

%-ulad

jamTan

aTasi aSS

dolari

%-ulad

jamTan

eqsporti, sul 1574084.5 100.0 2189135.8 100.0maT Soris:

msubuqi avtomobilebi 227251.4 14.4 450296.6 20.6

feroSenadnobebi 263937.8 16.8 254910.8 11.6

azotovani sasuqebi 72113.4 4.6 144090.7 6.6

Txili da sxva kakali 64035.9 4.1 130085.7 5.9

Savi liTonebis jarTi 109370.9 6.9 116811.6 5.3

oqro daumuSavebeli an naxevraddamuSavebuli 85788.3 5.5 109890.0 5.0

spilenZis madnebi da koncentratebi 70675.6 4.5 85135.3 3.9spirti eTilis aradenaturirebuli 80 moc. % -ze naklebi spirtis

koncentraciiT54573.3 3.5 67852.1 3.1

wnelebi naxSirbadiani foladisagan e.w. "armatura" 35511.5 2.3 61012.6 2.8

yurZnis naturaluri Rvinoebi 39269.0 2.5 54103.4 2.5

danarCeni produqcia 551557.4 35.0 714947.0 32.7

aTasi aSS

dolari

%-ulad

jamTan

aTasi aSS

dolari

%-ulad

jamTan

importi, sul 5248540.9 100.0 7057759.7 100.0

maT Soris:

navTobi da navTobproduqtebi 694995.5 13.2 910975.5 12.9

msubuqi avtomobilebi 401757.7 7.7 510545.3 7.2

navTobis airebi da airisebri naxSirwyalbadebi 160508.2 3.1 236633.1 3.4

samkurnalo saSualebebi 191938.0 3.7 201377.2 2.9

xorbali 174160.0 3.3 184232.2 2.6

satelefono aparatebi, fiWuri an sxva usadeno qselebisaTvis 111376.7 2.1 133661.1 1.9

Savi liTonebis metalokonstruqciebi 50060.4 1.0 102059.7 1.4

Saqari 74233.1 1.4 89737.6 1.3

sigaretebi 78991.8 1.5 86742.7 1.2

gamomTvleli manqanebi da maTi blokebi 49662.5 0.9 75923.0 1.1

danarCeni produqcia 3260857.0 62.1 4525872.3 64.1

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

5.7. saqarTvelos umsxvilesi saimporto sasaqonlo jgufebi

2010 2011

5.6. saqarTvelos umsxvilesi saeqsporto sasaqonlo jgufebi

2010 2011

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

Page 84: saqarTvelos erovnuli banki - nbg.gov.ge · 3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi ..... 49 3.14. komerciuli bankebis ...

83

Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva

sul 229393 19352 254903 21687 271486 28023 296444 34283 1052227 103345ruseTis federacia 112844 6970 131737 8533 153151 7656 157835 9084 555567 32243saberZneTi 27202 1177 27463 1364 22685 5808 26450 7057 103801 15406italia 18575 247 18135 308 17680 2116 22334 2603 76725 5274aSS 16701 538 19256 458 19813 461 19533 540 75304 1998ukraina 15270 3302 14471 4350 11407 4122 17835 5247 58982 17022espaneTi 6949 272 6547 230 6265 347 7549 452 27310 1301TurqeTi 6316 1069 8618 1110 9462 1095 9233 1000 33628 4274indoeTi 129 53 78 94 209 128 293 113 709 388israeli 2228 322 3141 291 3215 339 3509 430 12094 1382gaerTianebuli samefo 3133 328 3206 316 3480 433 3642 377 13460 1454germania 2440 464 3564 391 4228 522 4508 468 14741 1845yazaxeTi 1501 952 1924 336 2281 173 4163 393 9869 1853safrangeTi 1170 253 1073 257 1194 371 1581 318 5018 1198azerbaijani 942 451 1045 525 1516 483 1615 698 5117 2157meqsika 383 4 398 11 840 6 866 3 2487 24kanada 798 67 1091 55 1132 54 1226 46 4247 223portugalia 764 22 631 28 709 15 785 29 2889 95kviprosi 2529 33 2343 56 1405 64 1640 177 7917 330somxeTi 2274 263 1691 324 1200 561 888 430 6053 1577belgia 783 132 885 72 917 82 1045 104 3630 390irlandia 1051 51 1114 81 1161 39 1136 53 4461 225avstria 714 145 762 104 769 98 897 146 3142 493arabTa gaerTianebuli emiratebi 275 125 453 267 482 197 577 238 1787 827

2010I kvartali II kvartali III kvartali IV kvartali sul

5.8 eleqtronuli fuladi gzavnilebi ZiriTadi partniori qveynebis mixedviT (aTasi aSS dolari)

emiratebi 275 125 453 267 482 197 577 238 1787 827danarCeni qveynebi 4420 2111 5276 2124 6287 2853 7305 4278 23288 11366

Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva

sul 259591 25995 329287 22868 341220 24643 338029 26750 1268127 100255ruseTis federacia 129755 6460 160304 8063 186552 8460 178605 9482 655217 32464saberZneTi 28737 5094 40312 1983 37858 2140 37737 2070 144644 11287italia 23041 1767 29532 495 28491 480 28124 582 109188 3323aSS 17060 420 18442 433 19626 559 20221 516 75349 1929ukraina 11823 4313 12325 4721 13499 4971 14767 5489 52414 19494espaneTi 6701 345 8060 243 7643 341 8553 407 30957 1337TurqeTi 7026 896 7090 875 6936 865 6590 974 27643 3609indoeTi 1869 104 3937 130 3449 134 3997 96 13252 464israeli 3334 362 3821 244 3729 245 3531 250 14415 1101gaerTianebuli samefo 3592 415 4361 353 3452 385 3448 428 14852 1581germania 3331 465 3168 500 3144 772 3318 739 12962 2476yazaxeTi 5201 232 15541 471 2680 247 2773 186 26194 1137safrangeTi 2570 1220 2099 316 2466 415 2525 385 9661 2336azerbaijani 1425 514 1715 517 1865 617 1968 604 6974 2252meqsika 613 13 1149 9 1380 51 1634 16 4776 89kanada 1130 58 1326 53 1580 72 1464 106 5499 289portugalia 766 14 1216 32 1338 25 1335 46 4655 117kviprosi 1247 69 1550 62 1326 80 1334 64 5459 275somxeTi 865 408 1100 529 1308 482 1183 632 4455 2050belgia 945 114 1140 127 1080 112 1169 140 4334 494irlandia 943 70 1108 83 1097 144 1093 75 4240 372avstria 686 68 920 85 951 33 882 58 3439 243emiratebi 602 243 621 165 471 211 721 194 2416 813danarCeni qveynebi 6328 2331 8451 2378 9296 2800 11057 3210 35132 10720

2011I kvartali II kvartali III kvartali IV kvartali sul

* Awyaro: saqarTvelos statistikis erovnuli samsaxuri.

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danarTi

meTodologiuri komentarebi

I ganyofileba. ZiriTadi makroekonomikuri maCveneblebi

cxrili 1.1. – “socialur-ekonomikuri

mdgomareobis ZiriTadi maCveneblebi”. ZiriTadi maCveneblebis daxasiaTeba: mTliani Sida produqti (nominaluri) -

axasiaTebs saangariSo periodis ganmavlobaSi erovnuli ekonomikis funqcionirebis saboloo Sedegebs. cxrilSi warmodgenili mTliani Sida produqti gamosaxulia mimdinare fasebSi da gaangariSebulia warmoebis meTodiT1. es ukanaskneli gulisxmobs, erTi mxriv, sxvaobas saqonlisa da momsaxurebis saerTo gamoSvebasa da Sualedur moxmarebas Soris, meore mxriv, ekonomikis dargebSi Seqmnil damatebul RirebulebaTa jams.

mTliani Sida produqtis Sesaxeb monacemebis

wyaros warmoadgens saqarTvelos statistikis erovnuli samsaxuri, romelic pasuxismgebelia qveynis erovnuli angariSebis gamoTvlis samuSaoebis warmoebaze. Sesabamisi pirveladi informaciis dazustebis kvalobaze, periodulad, dasaSvebia mTliani Sida produqtis maCveneblebis Semdgomi dazusteba.

mTliani Sida produqti gaiangariSeba wliuri da

kvartaluri periodulobiT. realuri mTliani Sida produqtis zrdis tempi

asaxavs ekonomikuri ganviTarebis realur suraTs; gaiangariSeba rogorc Sesadari (mudmivi) fasebiT (Cveulebriv, wina wlis fasebiT) gamosaxuli mimdinare da wina wels warmoebuli mTliani Sida produqtis moculobebis Sefardeba.

samrewvelo da soflis meurneobis produqciis

gamoSveba — iangariSeba aseve saqarTvelos statistikis erovnuli samsaxuris mier kvartalurad. gamoSvebis Sefaseba mocemulia saqonlisa da momsaxurebis mwarmoeblis sabazro fasebSi, riTac faqtiurad xorcieldeba warmoebuli saqonlisa da momsaxurebis realizacia, produqciaze daricxuli gadasaxadebis CauTvlelad.

saxelmwifo biujetis Semosavlebisa da

xarjebis Sesaxeb monacemTa wyaroa saqarTvelos finansTa saministro, romelic pasuxismgebelia qveyanaSi samTavrobo statistikis warmoebaze, xolo deficitis Tanafardoba mTlian Sida produqtTan gaangariSebulia saqarTvelos erovnuli bankis mier.

dasaqmebis Sesaxeb statistikuri monacemebis

wyaroa saqarTvelos statistikis erovnuli samsaxuri.

dasaqmebuli mosaxleobis ricxovnoba

gulisxmobs 16 wlis da meti asakis mosaxleobas, romelic dakavebulia ekonomikuri saqmianobiT; moicavs daqiravebulebs da TviTdasaqmebulebs.

umuSevrobis done — umuSevarTa ricxovnobis

Sefardeba ekonomikurad aqtiuri mosaxleobis ricxovnobasTan, procentobiT.

1

garda warmoebis meTodisa, mTliani Sida produqti, saqarTvelos statistikis erovnuli samsaxuris mier, gaiangariSeba agreTve saboloo danaxarjebis meTodiT da Semosavlebis meTodiT.

ekonomikurad aqtiuri mosaxleoba — 16 wlis da

meti asakis mosaxleoba, romelic dasaqmebulia ekonomikuri saqmianobiT, an aris umuSevari.

umuSevari — 16 wlis da meti asakis piri, romelic

ar eweva ekonomikur saqmianobas, mzad aris daiwyos muSaoba da eZebs samuSaos.

registrirebuli umuSevari — dasaqmebis

samsaxurSi registrirebuli umuSevari piri. socialuri indikatorebis Sesaxeb

statistikuri monacemebis wyaroa saqarTvelos statistikis erovnuli samsaxuris mier organizebuli Sinameurneobebis kvlevebis monacemebi.

mosaxleobis fuladi Semosavlebi gulisxmobs

fulad Semosavlebs: daqiravebuli Sromidan, TviTdasaqmebidan, soflis meurneobis produqciis gayidvidan, qonebidan (gaqiravebidan, procenti anabridan da sxv.), ucxoeTidan fuladi gzavnilebis saxiT, qonebis gayidvidan, axloblebisagan saCuqris an daxmarebis saxiT, sesxis aRebis an danazogis gamoyenebis saxiT.

mosaxleobis fuladi xarjebi moicavs

samomxmareblo (sasursaTo da arasasursaTo saqonlisa da momsaxurebis SeZena) da arasamomxmareblo (sasoflo-sameurneo xarjebi, transfertebi, danazogebi da gasesxeba) fulad xarjebs.

nominaluri saSualo xelfasi gulisxmobs

saSualo Tviur nominalur xelfass, romelic gaiangariSeba erovnul ekonomikaSi qiravnobiT dasaqmebul muSakebze (SemTavseblebis CaTvliT) mTeli wlis ganmavlobaSi daricxuli xelfasis fondis (rogorc fuladi, ise naturiT) gayofiT saSualo xelfasis gasaangariSeblad gamoyenebul muSakTa saSualo wliur siiT ricxovnobaze da, Sesabamisad, saangariSo periodis Tveebis raodenobaze (12-ze).

realuri xelfasis zrdis tempi — Sesadari

fasebiT (samomxmareblo fasebis indeqsis safuZvelze) gadaangariSebuli saangariSo periodis nominaluri xelfasis procentuli Tanafardoba gasuli wlis analogiuri periodis nominalur xelfasTan.

saarsebo minimumi — siRaribis absoluturi

zRvari; gaiangariSeba Sromisunariani (15-dan 65 wlamde) asakis mamakacisaTvis, saSualo momxmareblisaTvis (qveyanaSi arsebuli demografiuli struqturisa da sakvebis energiaze moTxovnilebis fiziologiuri Skalis gaTvaliswinebiT Camoyalibebuli saSualo tipi) da saSualo (3.8-suliani) ojaxisaTvis.

sagareo vaWrobis monacemTa wyaroa saqarTvelos

statistikis erovnuli samsaxuri (ix.cxr.5.4-is ganmartebebi).

gacvliTi kursebis monacemTa wyaroa

saqarTvelos erovnuli banki. cxrili 1.2. – “mwarmoebelTa fasebis indeqsi”. informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri.

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ZiriTadi maCveneblebis daxasiaTeba. mwarmoebelTa fasebis indeqsi (mfi) asaxavs

adgilobrivi mwarmoeblebis mier sakuTar produqciaze dadgenili fasebis donis saSualo cvlilebas. mis gaangariSebaSi CarTulia 150-mde moqmedi samrewvelo sawarmo. wonebis ganaxleba xdeba yovelwliurad produqciis realizaciis struqturis Sesabamisad.

procentuli cvlileba wina TvesTan gaiangariSeba formuliT:

1001

1 ∗−

=Δ−

t

ttt I

III

sadac tIΔ aris mfi-is procentuli cvlileba

wina TvesTan, tI - saangariSo Tvis mfi, 1−tI - wina

Tvis mfi. cxrili 1.3. – “samomxmareblo fasebis

indeqsebi”. informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri. ZiriTadi maCveneblebis daxasiaTeba. samomxmareblo fasebis indeqsi (sfi), rogorc

inflaciis donis damaxasiaTebeli maCvenebeli, zomavs fasebisa da tarifebis saSualo cvlilebas im saqonelsa da momsaxurebaze, romelsac SeiZens mosaxleoba piradi moxmarebis mizniT. igi gaiangariSeba yovelTviuri periodulobiT. saqonlisa da momsaxurebis fasebi, romelic gamoiyeneba yovelTviuri sfi-s gamosaTvlelad, grovdeba qveynis 5 qalaqSi ganlagebul sacalo da momsaxurebis obieqtSi — maRaziebSi, bazrebSi, bazrobebze, univermaRebSi, benzingasamarT sadgurebSi, klini-kebSi da a.S. wonebi, samomxmareblo kalaTis 266 sasaqonlo poziciaze, Camoyalibebulia SinameurneobaTa biujetis kvlevebis safuZvelze. sfi-is gaangariSebis bazaa 2009 wlis dekemberi. biuletenSi gamoqveynebulia indeqsebi wina wlis dekembris mimarT.

procentuli cvlileba wina TvesTan gaian-

gariSeba formuliT:

1001

1 ∗−

=Δ−

t

ttt I

III

sadac tIΔ aris sfi-is procentuli cvlileba

wina TvesTan, tI - saangariSo Tvis sfi, 1−tI - wina

Tvis sfi. cxrili 1.4. — “wliuri inflacia”. informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri. ZiriTadi maCveneblebis daxasiaTeba. wliuri inflacia gaangariSebulia rogorc

procentuli cvlileba mocemuli Tvis samomxmareblo fasebis indeqsisa wina wlis Sesabamisi Tvis analogiuri maCveneblis mimarT.

II ganyofileba. monetaruli statistika informaciis wyaro: saqarTvelos erovnuli

bankisa da komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze ganlagebuli filialebis CaTvliT) yovelTviuri naerTi balansi.

cxrili 2.1. – “monetaruli koeficientebis

dinamika” moicavs ZiriTad monetarul koeficientebs.

ZiriTadi maCveneblebis daxasiaTeba: savaldebulo rezervebi (minimaluri) -

komerciuli bankebis saerTo aqtivebis nawili, romelic eqvemdebareba saqarTvelos erovnul bankSi savaldebulo Senaxvas, uzrunvelyofs momxmareblebis yoveldRiuri moTxovnilebebis dakmayofilebas da zRudavs kreditebis gacemas; igi amave dros warmoadgens komerciuli bankebis minimaluri rezervebis nawils, gaangariSebuls moziduli saxsrebis mimarT dadgenili normis Sesabamisad, romelsac gansazRvravs erovnuli banki qveynis monetaruli politikis moTxovnebidan gamomdi-nare.

komerciuli bankebis sakorespondento anga-

riSebi erovnul bankSi — komerciuli bankebis saxsrebis naSTebi erovnul bankSi, romlebic gamoiyeneba klientTa saxeliT bankTaSorisi angariSsworebis gansaxorcieleblad.

naRdi fuli komerciul bankebSi — moicavs

salaroSi erovnuli valutiT ganTavsebul naRd fulad saxsrebs.

komerciuli bankebis rezervebis saerTo Tanxa

— moicavs bankebis depozitebisa (savaldebulo rezervebisa da sakorespodento angariSebze arsebuli naSTebis jamisa) da komerciuli bankebis salaroebSi arsebuli erovnuli valutis naSTebis saerTo Tanxas.

komerciuli bankebis sadepozito

valdebulebebi — moicavs rezidenti da ararezidenti fizikuri da iuridiuli pirebis (sabanko da samTavrobo seqtorebis garda) mier komerciul bankebSi ganTavsebul erovnuli da ucxouri valutiT denominirebuli depozitebis naSTebs; Sedgeba vadiani depozitebis, mimdinare angariSebisa da maTze gadasaxdeli procentebisagan.

dolarizaciis koeficienti — komerciul

bankebSi ganTavsebuli ucxouri valutiT denominirebuli depozitebis moculobis Sefardeba sadepozito valdebulebebis saerTo moculobasTan. fulis multiplikatori — farTo fulis

Sefardeba sarezervo fulTan. gaiangariSeba M2-is da M3-is mixedviT. fulis mimoqcevis siCqare asaxavs, Tu drois

mocemul monakveTSi saSualod ramdenjer gamoiyeneba angariSsworebisaTvis fulis TiToeuli erTeuli. gaiangariSeba formuliT:

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MPYV = , sadac V aris fulis mimoqcevis siCqare,

Y - realuri mTliani Sida produqti, P - mTliani Sida produqtis deflatori, M – fulis moculoba (M2/M3).

fulis mimoqcevis siCqare kvartalebis mixedviT

gaangariSebulia wliurze gadaangariSebiT, e.i. mTliani Sida produqtis mosalodneli wliuri moculobidan gamomdinare, xolo wliuri mTliani Sida produqtis gamoqveynebis Semdeg xdeba Sesabamisi monacemebis dazusteba. cxrili 2.2. – “sarezervo fulis masis

moculobisa da struqturis dinamika”. ZiriTadi maCveneblebis daxasiaTeba: sarezervo fuli — saqarTvelos erovnuli bankis

mier emitirebuli naRdi fuli (erovnuli bankis salaroSi saxsrebis naSTis gareSe), saqarTvelos komerciuli bankebis mier erovnul bankSi deponirebuli savaldebulo rezervebis angariSebsa da sakorespondento angariSebze naSTebi, agreTve sakredito dawesebulebebis (licenziagamoTxovili bankebis saxsrebis CaTvliT) sxva saxsrebis naSTebi saqarTvelos erovnul bankSi.

naRdi fuli mimoqcevaSi - saqarTvelos

erovnuli bankis mier mimoqcevaSi gaSvebuli naRdi fuli, im fulis gamoklebiT, rac imyofeba erovnuli bankis salaroSi.

Tanxebi komerciuli bankebis sakorespodento

angariSebze - (ix. cxr. 2.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

savaldebulo rezervebi — (ix. cxr. 2.1-is

“ZiriTadi maCveneblebis daxasiaTeba”). cxrili 2.3. – “fulis masis agregatebis

dinamika”. ZiriTadi maCveneblebis daxasiaTeba: farTo fuli (M3) — M2 agregatisa da komerciul

bankebSi ucxouri valutiT denominirebuli depozitebis saerTo Tanxa, sabanko da samTavrobo seqtorebis depozitebis gareSe.

farTo fuli ucxour valutaSi depozitebis

gareSe (M2) — viwro fulisa da komerciul bankebSi erovnuli valutiT denominirebuli vadiani da Semnaxveli depozitebis erToblioba, sabanko da samTavrobo seqtorebis depozitebis gareSe.

viwro fuli (M1) — moicavs bankebs gareT

arsebul nard fuls da moTxovnamde depozitebs erovnuli valutiT, sabanko da samTavrobo seqtorebis depozitebis gareSe.

bankebs gareT arsebuli naRdi fuli (M0) —

fuladi aqtivebis yvelaze likviduri nawili; moicavs mimoqcevaSi arsebul erovnul valutas, komerciuli bankebis salaroebSi arsebuli naSTebis gareSe.

depozitebi erovnul/ucxour valutaSi —

erovnuli/ucxouri valutiT denominirebuli angariSebi komerciul bankebSi; moicavs rezidenti da ararezidenti Sinameurneobebisa da iuridiuli

pirebis depozitebs; Sedgeba vadiani depozitebisa da mimdinare angariSebisagan (ix. cxr. 2.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

cxrili 2.4. – “saqarTvelos erovnuli bankis

mimoxilva” moicavs monacemebs erovnuli bankis aqtivebisa da valdebulebebis naSTebis Sesaxeb. ZiriTadi maCveneblebis daxasiaTeba: wminda ucxouri aqtivebi — sxvaoba saqarTvelos

erovnuli bankis ucxour moTxovnebsa da valdebulebebs Soris.

ucxouri aqtivebi - moicavs monetarul oqros,

nasesxobis specialur uflebebs (SDR-s), ucxour valutas (ix. cxr. 5.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

monetaruli oqro da nasesxobis specialuri

uflebebi (SDR-s) warmoadgens mTliani sarezervo aqtivebis nawils, romlebsac akontrolebs saqarTvelos erovnuli banki (ix. cxr. 5.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

ucxouri valdebulebebi moicavs erovnuli

bankis mier saerTaSoriso savaluto fondis resursebis gamoyenebas da sxva ucxour valdebulebebs ararezidentebis mimarT.

cxrili 2.5. – “sxva depozituri korporaciebis

mimoxilva” moicavs monacemebs saqarTvelos komerciuli bankebis aqtivebisa da valdebulebebis naSTebis Sesaxeb.

cxrili 2.6. – “depozituri korporaciebis

mimoxilva” warmoadgens erovnuli bankisa da sxva depozituri korporaciebis mimoxilvebis gaerTianebas.

III ganyofileba. komerciuli bankebi cxrili 3.1. – “finansuri seqtoris

institutebi” axasiaTebs saqarTvelos finansuri seqtoris raodenobrivi maCveneblebis dinamikas. saqarTvelos teritoriaze registrirebul moqmed finansur institutebs miekuTvneba: komerciuli bankebi da maTi filialebi (ararezidenti bankebis saqarTvelos teritoriaze moqmedi filialebis CaTvliT), arasabanko sadepozito dawesebulebebi, valutis gadamcvleli punqtebi, sadazRvevo kompaniebi da sapensio fondebi.

informaciis wyaro: saqarTvelos erovnuli

bankis uwyebrivi salicenzio reestri, saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi; dazRvevis saxelmwifo zedamxedvelobis samsaxuri. ZiriTadi maCveneblebis daxasiaTeba: komerciuli bankebis gancxadebuli sawesdebo

kapitali — aqcionerTa mier daTqmuli da wesdebiT gaTvaliswinebuli sawesdebo kapitali.

saaqcio kapitali — komerciuli bankis

aqcionerTa kapitali, romelic ganisazRvreba rogorc sxvaoba bankis mTlian aqtivebsa da valdebulebebs Soris.

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cxrili 3.2. – “komerciuli bankebis dajgufeba

ganaRdebuli sawesdebo kapitalis mixedviT”. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi.

ZiriTadi maCveneblebis daxasiaTeba. ganaRdebuli sawesdebo kapitali –

gancxadebuli sawesdebo kapitalis faqtobrivad Sevsebuli nawili.

cxrili 3.3. – “komerciuli bankebis krebsiTi

aqtivebisa da pasivebis dinamika”. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi.

ZiriTadi maCveneblebis daxasiaTeba. aqtivebi. naRdi fuladi saxsrebi — fuladi saxsrebi

erovnuli da ucxouri valutiT, ganTavsebuli bankebis salaroebSi, fuladi saxsrebi gzaSi, kvanZgareTa saoperacio salaroebSi, bankomatebSi.

fuladi saxsrebi sabanko angariSebze — naSTebi

rezident da ararezident bankebSi “nostro”-angariSebze erovnul da ucxour valutaSi, sxva bankebSi ganTavsebuli depozitebi, Tanxebis naSTebi savaldebulo rezervebisa da sabrokero kompaniebis angariSebze. fasiani qaRaldebi dilinguri

operaciebisaTvis — aqciebi da sxva fasiani qaRaldebi, gankuTvnili meorad bazarze Semdgomi realizaciisaTvis.

sainvesticio fasiani qaRaldebi — dabandebebi

erovnul da ucxour valutaSi saxelmwifo da korporaciul savalo fasian qaRaldebSi, saxsrebis pirvelad bazarze investirebis mizniT.

wminda sesxebi — rezidenti da ararezidenti

fizikuri da iuridiuli pirebis sakredito davalianeba (vadiani da vadagadacilebuli sesxebi) erovnuli da ucxouri valutiT, sesxebis SesaZlo danakargebis rezervebis gareSe.

sesxebis SesaZlo danakargebis rezervi —

arasaimedo sesxebis sarezervo anaricxebi, romlebzedac SesaZloa warmoiqmnas gadauxdelobis riski. aseTi rezervebis Seqmna, gamoyeneba da warmoeba regulirdeba saqarTvelos erovnuli bankis Sesabamisi debulebiT.

daricxuli misaRebi procentebi da

dividendebi — erovnul da ucxour valutaSi gacemul yvela saxis sesxze, saxelmwifo da korporaciul savalo fasian qaRaldebze daricxuli misaRebi procentebi, sawarmoTa sawesdebo kapitalSi investiciebze misaRebi dividendebi da misaRebi procentebi danarCeni operaciebis mixedviT.

investiciebi sawesdebo kapitalSi — komerciuli bankebis dabandebebi Svileul da sxva sawarmoebSi.

ZiriTadi saSualebebi da aramaterialuri

aqtivebi — ZiriTadi saSualebebis, daumTavrebeli kapitaluri dabandebebis danaxarjebi, operaciuli lizingisa da aramaterialuri aqtivebis angariSebis naSTebi, amortizaciis Tanxebis gareSe.

sxva wminda aqtivebi — danarCeni wminda aqtivebis

naSTebi savaluto poziciisa da erTi bankis dawesebulebebs Soris angariSsworebis naSTebis gareSe.

valdebulebebi. bankebis depozitebi — rezidenti da

ararezidenti bankebis “loro”-angariSebze arsebuli saxsrebis naSTebi erovnuli da ucxouri valutiT da sxva bankebisagan miRebuli depozitebi.

arasabanko depozitebi — rezidenti da

ararezidenti fizikuri da iuridiuli (bankebis garda) pirebis mimdinare angariSebi da vadiani depozitebi, erovnuli da ucxouri valutiT.

daricxuli gadasaxdeli procentebi da

dividendebi - daricxuli procentebi da dividendebi yvela saxis mozidul saxsrebze da sxva valdebulebebze, erovnuli da ucxouri valutiT.

nasesxebi saxsrebi — rezidenti da ararezidenti

safinanso institutebidan da samTavrobo organoebidan miRebuli saxsrebi, centraluri da komerciuli bankebis sesxebi, overdraftebi “nostro”-angariSebze (vadiani da vadagadacilebuli), erovnuli da ucxouri valutiT.

sxva valdebulebebi — sxva sabanko

valdebulebebi, romlebic ar Sedis zemoT CamoTvlil kategoriebSi.

saaqcio kapitali — (ix. cxr. 3.1-is ZiriTadi

maCveneblebis daxasiaTeba.). ganaRdebuli sawesdebo kapitali - (ix. cxr. 3.2-

is ZiriTadi maCveneblebis daxasiaTeba.). kapitalis rezervebi — aqtivebis gadafasebisa

(oqros, savaluto saxsrebis, fasiani qaRaldebis, ZiriTadi saSualebebisa da danarCeni aqtivebis) rezervebi, romelTa formirebisa da gamoyenebis wesi ganisazRvreba saqarTvelos moqmedi kanonmdeblobiT.

gaunawilebeli mogeba — wina wlis

gaunawilebeli da mimdinare wlis mogeba-zaralis, Semosavlebisa da xarjebis angariSebis saldo.

cxrili 3.4. – “komerciuli bankebis saqmianobis

finansuri maCveneblebi” asaxavs komerciuli bankebis mimdinare wlis mogeba-zaralis struqturas. gaiangariSeba nazardi jamiT wlis dasawyisidan. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi.

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cxrili 3.5. – “komerciuli bankebis mier erovnul ekonomikaze gacemuli sesxebis davalianebis moculoba da struqtura”. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

ZiriTadi maCveneblebis daxasiaTeba. moklevadiani sesxebi erovnul/ucxour

valutaSi — yvela saxis sesxi, romlis dafarvis pirveladi vada 1 weli da naklebia. grZelvadiani sesxebi erovnul/ucxour

valutaSi — sesxebi, romelTa dafarvis pirveladi vada Seadgens 1 welze mets.

vadagadacilebuli sesxebi erovnul/ucxour

valutaSi — klientebze gacemuli sesxebis vadagadacilebuli davalianebis Tanxebi, romlebic ar aris dafaruli sakredito xelSekrulebiT gaTvaliswinebul vadebSi.

daricxuli da misaRebi procentebi

erovnuli/ucxouri valutiT — klientebze gacemul sesxebze daricxuli misaRebi procentebis Tanxebi.

cxrili 3.6 - “komerciuli bankebis mier

gacemuli vadiani sesxebiT davalianebis moculoba debitorebis kategoriebis mixedviT”. moicavs monacemebs mocemuli saangariSo periodis bolosaTvis komerciuli bankebis mier rezident da ararezident iuridiul da fizikur pirebze erovnuli/ucxouri valutiT, xelSekrulebis safuZvelze gacemuli im sesxebis moculobisa da saSualo wliuri Sewonili saprocento ganakveTebis Sesaxeb, romelTa dafarvis vada, rogorc ZiriTadi, ise damatebiTi xelSekrulebiT, jer ar damdgara.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

ZiriTadi maCveneblebis daxasiaTeba. bankTaSorisi sesxebi moicavs rogorc rezident,

ise ararezident bankebze bankTaSorisi auqcionis gverdis avliT gacemul sesxebs. jamuri monacemebi, bankTaSorisi sesxebis Sesaxeb, tolia 4.1-4.2 cxrilebis Sesabamisi monacemebisa.

sxva klientebze gacemuli sesxebi moicavs,

bankebis garda, nebismier rezident da ararezident ekonomikur subieqtebze gacemul sesxebs (samewarmeo da samTavrobo seqtorebi, sxva finansuri dawesebulebebi, Sinameurneobebis momsaxure kerZo arakomerciuli organizaciebi, fizikuri pirebi).

saSualo wliuri Sewonili saprocento

ganakveTebi debitorebis kategoriebisa da valutebis mixedviT gaiangariSeba formuliT:

,∑∑=

VPV

P

sadac P sesxebis saSualo wliuri Sewonili saprocento ganakveTia, P – Sesabamisi

xelSekrulebiT gaTvaliswinebuli nominaluri

wliuri saprocento ganakveTi, V – sesxis moculoba xelSekrulebis mixedviT.

cxrili 3.7 - “komerciuli bankebis mier

saangariSo periodSi gacemuli vadiani sesxebi debitorebis kategoriebis mixedviT”.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

moicavs monacemebs mocemuli saangariSo periodis (Tvis) ganmavlobaSi komerciuli bankebis mier rezident da ararezident iuridiul da fizikur pirebze erovnuli/ucxouri valutiT, xelSekrulebis safuZvelze gacemuli sesxebis moculobisa da saSualo wliuri Sewonili saprocento ganakveTebis Sesaxeb. saSualo wliuri Sewonili saprocento

ganakveTebi debitorebis kategoriebisa da valutebis mixedviT gaiangariSeba imave wesiT, rogorc 3.6 cxrilSi.

cxrilebi 3.8-3.9 - “komerciuli bankebis mier

erovnuli/ucxouri valutiT gacemuli vadiani sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi” - moicavs erovnuli/ucxouri valutiT gacemuli yvela saxeobis sesxiT (garda bankTaSorisi sesxebisa) davalianebis moculobas mocemuli TariRisaTvis da Sesabamis saSualo wliur Sewonil saprocento ganakveTebs. aRniSnuli cxrilebis monacemebi Seesabameba 3.6 cxrilis saTanado monacemebis jams.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

cxrilebi 3.8.1-3.9.1 - “komerciuli bankebis

mier erovnuli/ucxouri valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi” — moicavs erovnuli/ucxouri valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebiT davalianebis moculobas, Sesabamis saSualo wliur Sewonil saprocento ganakveTebTan erTad.

mTliani vadiani sesxebis saprocento

ganakveTebis Sesaxeb monacemebi Seesabameba 3.8-3.9 cxrilebis saTanado monacemebs.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

cxrili 3.10 - “komerciuli bankebis mier

rezident iuridiul pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba saqmianobis saxeebis mixedviT”.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

ZiriTadi maCveneblebis daxasiaTeba. rezident iuridiul pirebze gacemuli vadiani

sesxebis mTliani moculoba, erovnuli/ucxouri

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valutiT, mocemulia bankTaSorisi sakredito resursebis auqcionze gacemuli sesxebis CaTvliT, rac iwvevs am cxrilis monacemebis gansxvavebas 3.6 cxrilis Sesabamisi monacemebisagan.

cxrilSi mocemuli sesxebis saqmianobis

saxeobebis mixedviT dayofa Seesabameba saqarTveloSi moqmed da evrogaerTianebis statistikuri samsaxuris mier rekomendirebul ekonomikuri saqmianobis saxeobebis klasifikators (NACE, versia 3).

cxrili 3.11 - “komerciuli bankebis mier

saangariSo periodSi rezident iuridiul pirebze gacemuli vadiani sesxebis moculoba da saprocento ganakveTebi saqmianobis saxeebis mixedviT” - moicavs monacemebs mocemuli saangariSo periodis (Tvis) ganmavlobaSi komerciuli bankebis mier rezident iuridiul pirebze erovnuli/ucxouri valutiT, xelSekrulebis safuZvelze gacemuli sesxebis moculobisa da saSualo wliuri Sewonili saprocento ganakveTebis Sesaxeb.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. rezident iuridiul pirebze saangariSo

periodSi gacemuli vadiani sesxebis mTliani moculoba, erovnuli/ucxouri valutiT, tolia 3.7 cxrilis Sesabamisi monacemebisa.

saSualo wliuri Sewonili saprocento

ganakveTebi sakuTrebis formebisa da saqmianobis saxeobebis mixedviT gaiangariSeba imave wesiT, rogorc 3.6 cxrilSi.

cxrili 3.12 – “komerciuli bankebis mier

rezident iuridiul da fizikur pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba ekonomikis seqtorebis mixedviT”. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. am cxrilis monacemebi, iuridiuli pirebis

nawilSi (samewarmeo, samTavrobo, finansuri seqtorebi da sazogadoebrivi organizaciebi) tolia 3.10 cxrilis jamuri monacemebisa, xolo fizikur pirebTan (SinameurneobebTan) dakavSirebuli monacemebi — 3.6 cxrilis Sesabamisi monacemebisa. erovnuli ekonomikis seqtorebad dayofa

Seesabameba erovnul angariSTa sistemis (1993 SNA) da, Sesabamisad, saerTaSoriso savaluto fondis mier gamocemul “monetaruli da finansuri statistikis saxelmZRvanelos” (MFSM) klasifikacias.

cxrili 3.13 – “komerciuli bankebis sasesxo da

misaRebi procentebiT davalianebis brunvebi” asaxavs komerciuli bankebis sasesxo operaciebs erovnuli da ucxouri valutiT, vadianobis mixedviT.

informaciis wyaro: saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. sadebeto brunvebi asaxavs komerciuli bankebis

aqtiuri sabalanso angariSebis zrdas kreditebis gacemis, vadaSi daufaravi kreditebis da vadian da vadagadacilebul sasesxo davalianebaze daricxuli procentebis Sedegad.

sakredito brunvebi asaxavs komerciuli bankebis

aqtiuri sabalanso angariSebis Semcirebas vadiani sesxebis dafarvis, vadagadacilebuli sesxebis Sesabamis sabalanso angariSze gadatanis da maTi dafarvis an Camoweris, aseve mocemul sesxebze daricxuli procentebis dafarvis an Camoweris Sedegad.

ucxouri valutiT denominirebuli sesxebi

erovnul valutaze gadayvanilia seb-is mier saangariSo Tvis bolos dadgenili laris mimarT ucxouri valutebis gacvliTi kursebis Sesabamisad.

cxrili 3.14 – “komerciuli bankebis mier

gacemuli samomxmareblo sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi”. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

ZiriTadi maCveneblebis daxasiaTeba. samomxmareblo sesxi — fizikur

pirze/Sinameurneobaze gacemuli sesxi, xangrZlivi moxmarebis samomxmareblo saqonlisa da momsaxurebis SesaZenad (saqonlisa da momsaxurebis ganvadebiT SeZenis CaTvliT); moicavs agreTve sesxebs, gacemuls samedicino xarjebTan, dasvenebasTan da sxva personalur xarjebTan dakavSirebiT, aseve studentur sesxebs. ar moicavs sesxebs, gacemuls: uZravi qonebis SeZenasTan da remontTan dakavSirebiT, avtomobilebis SesaZenad, biznesisa da profesiuli saqmianobis dasafinanseblad, biznesTan dakavSirebuli mowyobilobisa da aRWurvilobis SesaZenad, agreTve TanamSromelTa sesxebs.

cxrili 3.15 – “komerciuli bankebis sadepozito

valdebulebebis moculoba da struqtura” asaxavs komerciuli bankebis unaRdo saxsrebis moculobas da struqturas (anabrebi da sxva depozitebi erovnul da ucxour valutaSi), romlebic Sedis farTo fulis (M2 da M3) SemadgenlobaSi (ix.cxr. 2.3 da 2.4).

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi.

ZiriTadi maCveneblebis daxasiaTeba. mimdinare angariSebi – sabanko angariSebi,

romlebzedac ganTavsebulia klientTa Tavisufali fuladi saxsrebi da saidanac Tanxis moxsna SesaZlebelia dauyovnebliv, klientis moTxovnisTanave; am angariSebis daniSnulebaa

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klientTa finansuri operaciebis ganxorcieleba, maTi davalebiT.

iuridiuli pirebis vadiani depozitebi —

rezidenti da ararezidenti iuridiuli pirebis vadian depozitebze ricxuli fuladi saxsrebis naSTebi, romlebsac aqvT gansazRvruli vada da ericxebaT garkveuli procenti xelSekrulebis Sesabamisad.

fizikuri pirebis vadiani depozitebi –

rezidenti da ararezidenti fizikuri pirebis vadian depozitebze ricxuli fuladi saxsrebis naSTebi, romlebsac aqvT gansazRvruli vada da ericxebaT garkveuli procenti xelSekrulebis Sesabamisad.

cxrilebi 3.16-3.17 - “komerciuli bankebis mier

erovnuli/ucxouri valutiT moziduli iuridiuli da fizikuri pirebis depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi”.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. cxrilSi mocemulia iuridiuli da fizikuri

pirebis mier komerciul bankebSi ganTavsebuli yvela saxis depozitis moculoba. ZiriTadi saklasifikacio jgufebia: depozitebi moTxovnamde da vadiani depozitebi.

depozitebi moTxovnamde, garda xelSekrulebis

mixedviT moTxovnamde vadis mqone depozitebisa, moicavs sxva likvidur depozitebsac. esenia: depozitebi garantiebis mixedviT, angariSebi Cekis wignakebis, sabanko plastikuri baraTebis, akreditivebisa da sxva sagadasaxado sabuTebis mixedviT. aq ar Sedis iuridiuli da fizikuri pirebis mimdinare angariSebi, romlebic, zogadad, aseve ganixileba rogorc moTxovnamde depozitebi.

vadiani depozitebi, Cveulebriv, moicavs im

depozitebs, romlebsac xelSekrulebis mixedviT aqvT gansazRvruli vada da ericxebaT garkveuli procenti.

saSualo wliuri Sewonili saprocento

ganakveTebi mozidul depozitebze Sesabamisi vadebis mixedviT gaiangariSeba formuliT:

,∑∑=

VPV

P

sadac P depozitebis saSualo wliuri Sewonili saprocento ganakveTia, P – xelSekrulebiT gaTvaliswinebuli nominaluri wliuri saprocento

ganakveTi, V – depozitis moculoba xelSekrulebis mixedviT.

cxrili 3.18 - “komerciul bankebSi saangariSo

periodSi ganTavsebuli vadiani depozitebi erovnuli ekonomikis seqtorebis mixedviT” asaxavs komerciul bankebSi mimdinare periodis (Tvis) ganmavlobaSi ganTavsebuli depozitebis moculobasa da sabazro saSualo wliur Sewonil saprocento ganakveTebs sxvadasxva urTierTgadamkveT WrilSi: erovnul da ucxour

valutaSi, rezidentebis da ararezidentebis, ekonomikis seqtorebis mixedviT.

igive monacemebi, klasificirebuli mflobelTa

kategoriebis mixedviT, warmodgenilia 3.21 cxrilSi. informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. cxrili 3.19 - “komerciuli bankebis sesxebisa da

depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi” - warmoadgens 3.8, 3.9, 3.15, 3.16 da 3.17 cxrilebis Sesabamisi monacemebis agregaciis Sedegs.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. cxrili 3.20 - “komerciul bankebSi saangariSo

periodis ganmavlobaSi ganTavsebuli depozitebis ganawileba maTi moculobebis mixedviT” - gviCvenebs rezidenti da ararezidenti iuridiuli da fizikuri pirebis mier komerciul bankebSi kvartlebis mixedviT erovnul da ucxour valutaSi ganTavsebuli vadiani depozitebis moculobebs, ranJirebuls am ukanasknelTa sididis mixedviT.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. cxrili moicavs yvela saxis vadian depozits,

bankTaSorisis CaTvliT. cxrili 3.21 - “komerciul bankebSi saangariSo

periodSi ganTavsebuli vadiani depozitebi mflobelTa kategoriebis mixedviT” - asaxavs komerciul bankebSi mimdinare periodis (Tvis) ganmavlobaSi ganTavsebuli depozitebis moculobasa da sabazro saSualo wliur Sewonil saprocento ganakveTebs depozitebis mflobelTa kategoriebis WrilSi: iuridiuli da fizikuri pirebis, bankebis da sxva klientebis, rezidentebis da ararezidentebis mixedviT.

igive monacemebi, klasificirebuli rezidenti/

ararezidenti ekonomikuri erTeulebisa da ekonomikis seqtorebis mixedviT, warmodgenilia 3.18 cxrilSi.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

cxrili 3.22 - “sabazro saprocento

ganakveTebis dinamika” gviCvenebs komerciuli bankebis mier saangariSo periodSi gacemul vadian sesxebze da komerciul bankebSi amave periodis ganmavlobaSi ganTavsebul vadian depozitebze saprocento ganakveTebis dinamikas, valutebisa da ekonomikuri subieqtebis iuridiuli statusis mixedviT.

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informaciis wyaro: saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. ZiriTadi maCveneblebis daxasiaTeba. cxrilis maCveneblebi ar moicavs bankTaSoris

sesxebs/depozitebs. IV. ganyofileba – finansuri bazrebi

cxrilebi 4.1 – 4.2. – “komerciuli bankebis mier

auqcionis gareSe sxva bankebze erovnuli/ucxouri valutiT gacemuli sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi” moicavs monacemebs komerciuli bankebis mier auqcionis gareSe sxva rezident da ararezident bankebze erovnuli/ucxouri valutiT xelSekrulebis safuZvelze gacemuli im sesxebis moculobisa da saSualo wliuri Sewonili saprocento ganakveTebis Sesaxeb, romelTa dafarvis vada, rogorc ZiriTadi, ise damatebiTi xelSekrulebiT, jer ar damdgara.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

ZiriTadi maCveneblebis daxasiaTeba. cxrilebis jamuri monacemebi tolia 3.6 cxrilis

Sesabamisi monacemebisa. saSualo wliuri Sewonili saprocento

ganakveTebi (ix. cxr. 3.6-is “ZiriTadi maCveneblebis daxasiaTeba”).

cxrili 4.3 – “erovnuli bankis sadepozito

sertifikatebis auqcionebis Sedegebi” asaxavs monacemebs saqarTvelos erovnuli bankis mier sadepozito sertifikatebis emisiisa da ganTavsebis moculobebisa da saprocento ganakveTebis Sesaxeb. informaciis wyaro: saqarTvelos erovnuli

bankis sabazro operaciebis jgufi. ZiriTadi maCveneblebis daxasiaTeba. emisiis moculoba — auqcionze gasayidad

gamotanili sadepozito sertifikatebis nominaluri Rirebuleba.

moTxovnis moculoba — sadepozito

sertifikatebis yidvaze auqcionze warmodgenil ganacxadebSi aRniSnuli sadepozito sertifikatebis saangariSsworebo Rirebuleba.

ganTavseba — auqcionze dakmayofilebuli

ganacxadebis jamuri Tanxa nominaluri RirebulebiT.

diskonti — sxvaoba sadepozito sertifikatis

nominalur Rirebulebasa da mis saangariSsworebo fass Soris.

cxrilebi 4.5 – 4.6 – “savaluto bazarze aSS

dolariT/evroTi ganxorcielebuli operaciebi” - moicavs monacemebs saqarTvelos erovnuli bankis savaluto auqcionze (2009 wlis ivnisamde — Tbilisis

bankTaSoris savaluto birJaze) da danarCen savaluto bazarze komerciuli bankebis mier nayidi/gayiduli aSS dolaris/evros moculobis Sesaxeb. informaciis wyaro: saqarTvelos erovnuli

bankis auqcionis Sedegebi, saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. cxrilebi 4.7 - 4.10 axasiaTebs laris

nominaluri da realuri gacvliTi kursebis indeqsebis dinamikas aSS dolaris, rusuli rublis, evrosa da Turquli liris mimarT.

informaciis wyaro: saqarTvelos erovnuli

banki, saqarTvelos statistikis erovnuli samsaxuri, aSS-s Sromis saministros Sromis statistikis biuro, ruseTis federaciis statistikis saxelmwifo komiteti, evrostati, TurqeTis statistikis saxelmwifo instituti.

ZiriTadi maCveneblebis daxasiaTeba realuri gacvliTi kursebi (RExR)

gaangariSebulia Sesabamisi nominaluri gacvliTi kursebis indeqsebis (In) Sebrunebuli sididis gamravlebiT saqarTvelosa da Sesabamisi partniori j qveynis samomxmareblo fasebis indeqsebis (CPIgeo da CPIj) Sefardebaze:

CPIjCPIgeo

InRExR ∗= 1

cxrili 4.11 — “realuri efeqturi gacvliTi

kursis dinamika” asaxavs laris gacvliTi kursis indeqsis cvlilebas saqarTvelosa da mis ZiriTad savaWro partnior qveynebSi samomxmareblo fasebis indeqsebs Soris Tanafardobis cvlilebis gaTvaliswinebiT. igi gaiangariSeba rogorc saqarTvelosa da mis 12 ZiriTad savaWro partnior qveyanaSi (azerbaijani, aSS, gaerTianebuli samefo, germania, TurqeTi, italia, niderlandebi, ruseTi, safrangeTi, somxeTi, ukraina, Sveicaria) realuri gacvliTi kursebis Sewonili saSualo geometriuli:

iw

i iieP

PREER ∏=

⎥⎦

⎤⎢⎣

⎡⎟⎠⎞⎜

⎝⎛∗=

12

1

1,

sadac ie aris laris nominaluri gacvliTi kursi

i partniori qveynis valutis mimarT, wi - i qveynis wona saqarTvelos sagareo savaWro brunvaSi, P da Pi - samomxmareblo fasebis indeqsi saqarTveloSi da i partnior qveyanaSi.

realuri efeqturi gacvliTi kursis indeqsis zrda niSnavs erovnuli valutis realur gamyarebas da eqsportis konkurentunarianobis daqveiTebas, xolo Semcireba — piriqiT.

informaciis wyaro: saqarTvelos erovnuli

bankis, saqarTvelos statistikis erovnuli samsaxurisa da ZiriTadi savaWro partniori qveynebis statistikuri samsaxurebis monacemebi.

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cxrili 4.12. – “nominaluri efeqturi gacvliTi kursi” warmoadgens partniori qveynebis mimarT (ix. punqti 4.14) laris nominaluri gacvliTi kursis indeqsebis Sewonil saSualo geometriuls:

iw

i ieNEER ∏

=⎥⎦⎤

⎢⎣⎡=

12

1

1,

sadac ie aris laris nominaluri gacvliTi kursi

i partniori qveynis valutis mimarT, wi - i qveynis wona saqarTvelos sagareo savaWro brunvaSi. nominaluri efeqturi gacvliTi kursis zrda niSnavs erovnuli valutis gamyarebas, xolo Semcireba — gaufasurebas.

informaciis wyaro: saqarTvelos erovnuli

bankis, saqarTvelos statistikis erovnuli samsaxurisa da ZiriTadi savaWro partniori qveynebis statistikuri samsaxurebis monacemebi.

V. ganyofileba – sagareo seqtori cxrili 5.1. – “mTliani saerTaSoriso

rezervebi” axasiaTebs saqarTvelos erovnuli bankis gankargulebaSi arsebuli maRallikviduri finansuri instrumentebis dinamikas, romelTa daniSnulebaa sagadasaxdelo balansis mxardaWera da erovnuli valutis stabilurobis uzrunvelyofa.

informaciis wyaro: saqarTvelos erovnuli

bankis yovelTviuri naerTi balansi. ZiriTadi maCveneblebis daxasiaTeba mTliani saerTaSoriso rezervebi Sedgeba

erovnuli bankis gankargulebaSi arsebuli monetaruli oqros, nasesxobis specialuri uflebebis (SDR-s), ssf-Si sarezervo poziciisa da ucxouri valutisagan.

monetaruli oqro — warmoadgens erovnuli

bankis gankargulebaSi arsebul oqros, romelsac sarezervo daniSnuleba aqvs da romlis sinji aranakleb 995/1000- Seadgens. monetarul oqrosTan dakavSirebuli operaciebi SeiZleba ganxorcieldes mxolod sxvadasxva qveynis monetaruli regulirebis organoebs Soris, an am ukanasknelTa da saerTaSoriso finansur organizaciebs Soris. sxva nebismieri oqro, komerciisaTvis gankuTvnili maragebis CaTvliT, SeiZleba arsebobdes nebismieri rezidenti ekonomikuri erTeulis gankargulebaSi da igi ganixileba rogorc nebismieri sxva saqoneli.

nasesxobis specialuri uflebebi (SDR-s)

warmoadgens ssf-s mier emitirebul saerTaSoriso sarezervo aqtivebs, romlebic periodulad nawildeba ssf-s wevr qveynebs Soris sarezervo aqtivebis Sevsebis mizniT, ssf-Si am qveynebis kvotebis proporciulad.

sarezervo pozicia ssf-Si asaxavs im Tanxas,

romliTac saqarTvelos kvota ssf-Si aWarbebs ssf-is aqtivebs gamosaxuls larebiT.

ucxouri valuta moicavs saqarTvelos

erovnuli bankis savaluto aqtivebs naRdi ucxouri valutis (salaroSi da gzaSi naRdi ucxouri valutis

CaTvliT), depozitebisa da fasiani qaRaldebis saxiT.

cxrili 5.2. – “saqarTvelos saxelmwifo sagareo

vali” axasiaTebs qveynis sagareo davalianebis mdgomareobas da mis dinamikas Tveebis mixedviT.

informaciis wyaro: absoluturi monacemebis

wyaroa saqarTvelos finansTa saministro, xolo SefardebiTi maCveneblebi gaangariSebulia saqarTvelos erovnuli bankis mier.

ZiriTadi maCveneblebis daxasiaTeba mTliani sagareo vali procentulad mTlian

Sida produqtTan gaangariSebulia, rogorc mocemuli periodis bolos mTliani sagareo valis Sefardeba mTliani Sida produqtis wliur maCvenebelTan. am maCveneblis kvartlebis mixedviT gaangariSebisas gamoiyeneba kvartaluri maCveneblis bazaze gaangariSebuli wliuri mTliani Sida produqti.

sagareo valis SefardebiTi maCveneblebi

eqsportTan mimarTebaSi gaangariSebulia Semdegnairad: mTliani sagareo vali Sedarebulia wliur eqsportTan, xolo sagareo valis momsaxurebis koeficientebi gaangariSebulia kvartaluri eqsportis mixedviT.

cxrili 5.3. – “saqarTvelos sagadasaxdelo

balansi” warmoadgens statistikur angariSs, romelSic raodenobrivad aisaxeba qveynis ekonomikuri urTierTobebi ararezidentebTan.

informaciis wyaro — saqarTvelos erovnuli

banki, saqarTvelos statistikis erovnuli samsaxuri, finansTa saministro, komerciuli bankebi, sawarmoebi da organizaciebi.

ZiriTadi maCveneblebis daxasiaTeba sagadasaxdelo balansis mimdinare operaciebis

angariSi asaxavs realur operaciebs, anu operaciebs dakavSirebuls saqonlis, momsaxurebis, Semosavlebisa da mimdinare transfertebis moZraobasTan.

saqonelTan dakavSirebuli operaciebi moicavs

materialur faseulobaTa eqsportsa da imports, romelTa statistikuri aRricxva, Sefasebis meTodebi da a.S. emTxveva im meTodologiur principebs, rac rekomendirebulia sagareo vaWrobis statistikaSi, im gansxvavebiT, rom sagadasaxdelo balansSi saqonlis eqsportic da importic aRricxulia FOB-fasebSi, e.i. saerTaSoriso transportirebisa da dazRvevis xarjebis gareSe. es xarjebi sagadasaxdelo balansSi klasificirdeba rogorc momsaxureba da Sesabamisad aisaxeba momsaxurebis nawilSi.

Semosavlebi dakavSirebulia SromiT

saqmianobasTan da aseve finansur aqtivebTan da valdebulebebTan dakavSirebul procentebTan.

mimdinare transfertebi moicavs rogorc

saxelmwifoTaSoris da saerTaSoriso daxmarebas, ise mosamsaxureTa gzavnilebs.

kapitalisa da finansuri operaciebis angariSi

Sedgeba kapitalis angariSis, rac asaxavs kapitalur transfertebTan da arawarmoebul arafinansur

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aqtivebTan dakavSirebul operaciebs, da finansuri operaciebis angariSisagan. es ukanaskneli warmodgenilia oTxi funqcionaluri kategoriiT. esenia: pirdapiri investiciebi, portfelis investiciebi, sxva investiciebi da sarezervo aqtivebi.

pirdapiri investiciebi, pirvel rigSi

klasificirdeba mimarTulebebis mixedviT. kerZod, pirdapir investiciebad mocemul qveyanaSi da pirdapir investiciebad sazRvargareT. ufro detalurad klasificirebis mizniT pirdapiri investiciebi iyofa saaqcionero kapitalad, reinvestirebul Semosavlebad da sxva kapitalad.

portfelis investiciebi moicavs grZelvadian

savalo valdebulebebsa da fasian qaRaldebs, rac uzrunvelyofs kapitalSi monawileobas, fulis bazris savalo fasian qaRaldebs, agreTve warmoebul finansur instrumentebs.

sxva investiciebi warmodgenilia komerciuli

kreditebis, sesxebis, naRdi fulisa da depozitebis da sxva investiciebis saxiT.

sarezervo aqtivebi asaxavs qveynis mTliani

saerTaSoriso rezervebis cvlilebas. isini klasificirdeba, rogorc: monetaruli oqro, nasesxobis specialuri uflebebi, sarezervo pozicia saerTaSoriso savaluto fondSi da ucxouri valuta (naRdi valuta, depozitebi da fasiani qaRaldebi). sarezervo aqtivebi, rogorc wesi, qveynis fulad-sakredito regulirebis organoebis kontrolis qveSaa da pirdapir an arapirdapir gamoiyeneba sagadasaxdelo balansis deficitis dafinansebisaTvis. saqarTvelos SemTxvevaSi, mimdinare etapze, sarezervo aqtivebi ZiriTadad sagareo valebis momsaxurebisaTvis gamoiyeneba.

sagadasaxdelo balansis saxelmZRvanelos me-5

gamocemis Tanaxmad, sarezervo aqtivebis cvlileba savaluto kursebis an oqrosa da nasesxobis specialuri uflebebis monetarizaciis Sedegad, sagadasaxdelo balansSi ar aisaxeba, rac piriqiT xdeboda aRniSnuli meTodologiis me-4 gamocemis mixedviT.

cxrili 5.4. — “saqarTvelos sagareo vaWroba”

axasiaTebs saqonlis eqsportis, importis, sagareo savaWro brunvisa da balansis monacemebs Tveebis mixedviT. es monacemebi ar moicavs araregistrirebul vaWrobas. Tumca, koreqtirebulia saqarTvelos statistikis erovnuli samsaxuris mier iseTi saqonlis moculobiT, romlebic ama Tu im mizeziT ar registrirdeba qveynis sabaJo sazRvarze sabaJo samsaxuris mier (magaliTad, bunebrivi airi da eleqtroenergia), an registrirdeba, magram miekuTvneba ara saqonlis kategorias, aramed finansur aqtivebs, momsaxurebas an sxva kategoriebs. eqsporti Sefasebulia FOB-fasebSi, xolo importi — CIF-fasebSi.

informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTo-sabaJo deklaraciebis monacemebs.

cxrili 5.5. – “saqarTvelos umsxvilesi sagareo

savaWro partniori qveynebi” axasiaTebs qveynis 10 umsxviles savaWro partnior qveyanasTan saqarTvelos eqsports, imports da agreTve sagareo

savaWro brunvasa da sagareo savaWro balanss. es monacemebi ar moicavs araregistrirebul vaWrobas mocemul qveynebTan. eqsporti Sefasebulia FOB-fasebSi, xolo importi — CIF-fasebSi.

informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTo-sabaJo deklaraciebis monacemebs.

cxrili 5.6. – “saqarTvelos umsxvilesi

saeqsporto sasaqonlo jgufebi” axasiaTebs qveynis eqsportis sasaqonlo struqturas 10 umsxvilesi sasaqonlo jgufis mixedviT. es monacemebi ar moicavs araregistrirebul vaWrobas. SedarebisaTvis cxrilSi mocemulia agreTve wina wlis Sesabamisi periodis analogiuri monacemebic, romlebic ranJirebulia saangariSo periodis monacemebis mixedviT da SesaZlebelia ar emTxveodes gasuli wlis analogiur periodSi ukve gamoqveynebul monacemebs. cxrilis monacemebi Sefasebulia FOB-fasebSi.

informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTo-sabaJo deklaraciebis monacemebs.

cxrili 5.7. – “saqarTvelos umsxvilesi

saimporto sasaqonlo jgufebi” axasiaTebs qveynis importis sasaqonlo struqturas 10 umsxvilesi sasaqonlo jgufis mixedviT. es monacemebi ar moicavs araregistrirebul vaWrobas. SedarebisaTvis cxrilSi mocemulia agreTve wina wlis Sesabamisi periodis analogiuri monacemebic, romlebic ranJirebulia saangariSo periodis monacemebis mixedviT da SesaZlebelia ar emTxveodes gasuli wlis analogiur periodSi ukve gamoqveynebul monacemebs. cxrilis monacemebi Sefasebulia CIF-fasebSi.

informaciis wyaro: saqarTvelos statistikis

erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTo-sabaJo deklaraciebis monacemebs.

cxrili 5.8. – “fuladi gzavnilebi ZiriTadi

partniori qveynebis mixedviT” asaxavs saqarTvelos sabanko sistemaSi da mikrosafinanso organizaciebSi moqmedi eleqtronuli angariSsworebis saSualebebiT (Western Union, Money Gram, Anelik, Unistream da sxv.) sazRvargareTidan saqarTveloSi da piriqiT fuladi gzavnilebis nakadebis moculobas.

informaciis wyaro: saqarTvelos teritoriaze

moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) da mikrosafinanso organizaciebis yovelTviuri statistikuri angariSebi.

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