94
1
saqarTvelos erovnuli banki
monetaruli da sabanko
statistikis biuleteni
ianvari-dekemberi, 2011
Tbilisi
#154
2
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
3
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
4
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
5
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.
6
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.
7
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.
8
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)
9
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
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
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)
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)
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
.
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
.
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
3462
1633
3705
1048
6999
318
1036
7710
8126
1193
9512
2080
1171
1912
3246
1236
7913
4015
1417
6113
5196
2646
256
2639
560
2556
396
2383
931
2425
641
2502
808
2523
539
2542
159
2739
836
2561
973
2677
903
2640
581
2944
4631
4647
3224
9236
1247
4045
5142
8422
3626
0939
9755
4544
1845
6065
4172
3244
6751
1801
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
8001
4383
7393
9285
5593
7917
9341
2993
9012
9468
9094
6384
9326
0893
3616
9322
6492
8295
9293
2594
2515
1500
2549
469
8547
812
3398
1084
9913
2690
1569
5318
2415
2155
0523
5102
2916
8732
4453
1077
9436
1067
5515
1068
1882
1068
2734
1077
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
.
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
.
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.
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.
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.
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.
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
4224792
4246182
4435886
vad
agad
acil
ebu
li
sesx
ebi
159793
210941
211658
217139
216310
217757
201217
201599
226863
202458
204307
203101
mokl
evad
iani
ses
xebi
75675
118835
117959
113615
104236
105799
102214
110975
124683
106112
109474
113447
grZe
lva
dia
ni s
esxe
bi84119
92106
93700
103524
112074
111958
99002
90624
102180
96346
94834
89655
dar
icxu
li
da
misa
Reb
i pr
oc
ent
ebi
72783
79601
77837
78062
77439
80994
72829
72462
75557
71037
72077
66820
mokl
evad
ian
sesx
ebz
e21102
22978
20506
21349
22134
23311
20019
20089
21648
21288
20635
19318
grZe
lva
dia
n se
sxeb
ze
51681
56623
57331
56712
55306
57683
52811
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
22.4
22.9
23.6
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
4.0
4.0
4.0
3.9
3.8
3.5
3.4
3.8
3.4
3.5
3.3
mokl
evad
iani
ses
xebi
1.4
2.2
2.2
2.1
1.9
1.9
1.8
1.9
2.1
1.8
1.9
1.9
grZe
lva
dia
ni s
esxe
bi1.6
1.7
1.8
1.9
2.0
2.0
1.7
1.5
1.7
1.6
1.6
1.5
dar
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
0.4
0.3
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.
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
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6.10
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7.10
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9.10
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daval
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al
utiT
1217
747
1222
372
1232
477
1309
413
1389
402
1458
335
1530
121
1543
524
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vad
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1126
228
1135
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1344
844
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687
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1539
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mokl
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ses
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4833
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4395
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2742
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8907
6055
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ni s
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bi66
1828
6642
7369
5587
7317
3174
5600
7921
0285
4873
8677
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2513
8831
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8807
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i52
023
7317
175
834
8875
091
364
9020
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254
6865
768
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bi28
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5049
450
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5511
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314
5931
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4813
148
410
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2367
522
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2533
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513
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dar
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2057
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2268
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2106
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1174
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6410
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9433
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4036
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4320
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mokl
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7048
8067
6599
6982
9968
6840
7167
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7925
1979
2560
7845
5977
4294
6801
9072
3793
grZe
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7129
432
2296
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i10
7770
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5825
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4945
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mokl
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3
aTas
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* Aw
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ome
rc
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anga
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36
3.5
komerciul
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37
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komerciul
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ankebis m
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3
aTas
i l
ari
* Aw
yar
o: k
ome
rc
iul
i ba
nkeb
is s
tat
ist
iku
ri
anga
riS
ebi.
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.
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.
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.
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.
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.
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.
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.
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.
46
1 T
vemde
1-d
an 3
Tvemde
3-d
an 6
Tvemde
6-dan 1
2
Tvemde
12 T
veze
meti
sul
824192
32538
29216
83390
164119
514929
47591
maT S
oris:
sofl
is m
eurneoba, metyeveoba, TevzWera
12827
325
173
121980
10337
150
mrewvel
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186021
15887
18236
4476
43778
103645
26117
mSenebl
oba
94575
3187
2575
13432
25563
49819
8337
vaWroba
345440
6587
7789
48422
60725
221916
11259
sastumroebi d
a r
estornebi
2996
50
0424
2567
33transporti d
a k
avSirgabmul
oba
37320
8350
10851
1082
25254
245
finansuri S
uamavl
oba
17620
00
0189
17431
222
operaciebi u
Zravi q
onebiT, kvl
evebi, komerciul
i
saqmianoba
19602
112
01906
1931
15653
369
saxel
mwifo m
arTva, Tavdacva
00
00
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9759
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153
996
8611
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29455
500
200
1591
11013
16152
149
momsaxurebis s
xva s
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68576
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194
2547
16438
43544
650
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3484533
24428
53848
117697
446113
2842446
146242
maT S
oris:
sofl
is m
eurneoba, metyeveoba, TevzWera
47041
00
3810
5428
37803
2125
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oba
709126
9591
13265
23929
139374
522966
24729
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oba
347302
624
2436
14981
31558
297702
37652
vaWroba
1744378
8241
27735
64461
231895
1412045
66600
sastumroebi d
a r
estornebi
51855
5717
501
4351238
3576
transporti d
a k
avSirgabmul
oba
100012
5506
375
522
9914
83695
912
finansuri S
uamavl
oba
6184
125
180
01745
4134
63operaciebi u
Zravi q
onebiT, kvl
evebi, komerciul
i
saqmianoba
104744
115345
743
10755
87891
5939
saxel
mwifo m
arTva, Tavdacva
22215
00
00
22215
115
ganaTl
eba
33046
210
115
3732872
326
jandacva d
a s
ocial
uri m
omsaxureba
144526
341707
4030
344
138410
1342
momsaxurebis s
xva s
axeebi
174104
219
2788
4603
15019
151475
2861
wyaro: k
ome
rc
iul
i ba
nkeb
is s
tat
ist
iku
ri
anga
riS
ebi.
3.1
0. komerciul
i b
ankebis m
ier r
ezident i
uridiul
pirebze g
acemul
i s
esxebiTa d
a m
isaRebi
procentebiT d
aval
ianeba
saqmianobis s
axeebis m
ixedviT
(201
2 wl
is p
irve
li
ianv
ris
md
goma
reo
biT
)
uc
xo
ur
i v
al
ut
iT
gac
em
ul
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es
xe
bi
Ta d
a m
is
aR
eb
i p
ro
ce
nt
eb
iT
dav
al
ian
eb
a; aT
as
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ar
i
sesxebi x
el
Sekrul
ebis v
adebis m
ixedviT
vadagadacil
ebul
i s
esxebiTa d
a
misaRebi p
rocentebiT
daval
ianeba
er
ov
nu
li
val
ut
iT
gac
em
ul
i s
es
xe
bi
Ta d
a m
is
aR
eb
i p
ro
ce
nt
eb
iT
dav
al
ian
eb
a; aT
as
i l
ar
i
sul
maT S
oris:
* Aw
yar
o: k
ome
rc
iul
i ba
nkeb
is s
tat
ist
iku
ri
anga
riS
ebi.
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.
48
1 T
vemde
1-d
an 3
Tvemde
3-dan 6
Tvemde
6-dan 1
2
Tvemde
12 T
veze
meti
su
l2343497
141558
62770
129769
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89844
maT S
oris g
acemul
i:
samewarmeo s
eqtorze
806617
32538
29216
83390
164119
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47369
samTavrobo s
eqtorze
500
00
00
500
31
central
ur m
Tavrobaze
00
00
00
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obriv m
Tavrobaze
500
00
00
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31finansur s
eqtorze
17031
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17031
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erovnul
bankze
00
00
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0komerciul
bankebze
17031
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00
17031
190
sazogadoebriv o
rganizaciebze
440
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0Sinameurneobebze
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su
l5106046
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oris g
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samewarmeo s
eqtorze
3461767
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eqtorze
22215
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Tavrobaze
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22215
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eqtorze
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bankze
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rganizaciebze
550
00
00
550
1Sinameurneobebze
1621513
26936
29130
24170
76462
1464815
38231
wyaro: k
ome
rc
iul
i ba
nkeb
is s
tat
ist
iku
ri
anga
riS
ebi.
3.1
2. komerciul
i b
ankebis m
ier r
ezident i
uridiul
da f
izikur p
irebze g
acemul
i s
esxebiTa d
a m
isaRebi p
rocentebiT d
aval
ianeba
ekonomikis s
eqtorebis m
ixedviT
(201
2 wl
is p
irve
li
ianv
ris
md
goma
reo
biT
)
uc
xo
ur
i v
al
ut
iT
gac
em
ul
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es
xe
bi
Ta d
a m
is
aR
eb
i p
ro
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nt
eb
iT
dav
al
ian
eb
a;
aT
as
i l
ar
i
sesxebi x
el
Sekrul
ebis v
adebis m
ixedviT
vadagadacil
ebul
i
sesxebiTa d
a m
isaRebi
procentebiT d
aval
ianeba
er
ov
nu
li
val
ut
iT
gac
em
ul
i s
es
xe
bi
Ta d
a m
is
aR
eb
i p
ro
ce
nt
eb
iT
dav
al
ian
eb
a;
aT
as
i l
ar
i
sul
maT S
oris
* Aw
yar
o: k
ome
rc
iul
i ba
nkeb
is s
tat
ist
iku
ri
anga
riS
ebi.
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
maT Soris auqcionis gareSe gacemuli
sesxebi0 38575 21544 17031
ucxouri valutiT 4176 40912 40912 4176
vadagadacileba sxva bankebze gacemul
sesxebze0 0 0 0
erovnuli valutiT 0 0 0 0ucxouri valutiT 0 0 0 0
misaRebi procentebi moTxovnebis
mixedviT sxva bankebze gacemul sesxebze193 1116 865 444
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.
50
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
1.01
.10
1.02
.10
1.03
.10
1.04
.10
1.05
.10
1.06
.10
1.07
.10
1.08
.10
1.09
.10
1.10
.10
1.11
.10
1.12
.10
dav
alia
nebi
s mo
cu
lo
ba, s
ul
655596
650356
648551
606940
676878
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650356
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745249
803847
mokl
evad
iani
ses
xebi
196367
189349
188303
149208
192554
196985
204008
189349
219332
233762
176989
224123
ero
vnu
li
val
ut
iT12
2801
1253
9212
5610
8946
513
4045
1417
7314
9094
1253
9216
0340
1652
9811
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1621
98u
cxo
ur
i va
lu
tiT
7356
663
958
6269
359
743
5850
955
212
5491
463
958
5899
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464
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661
925
grZe
lva
dia
ni s
esxe
bi
459228
461006
460248
457731
484324
485049
510501
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555359
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ero
vnu
li
val
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iT18
9079
1853
8918
6931
1841
0620
6882
2200
2823
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8926
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4627
4700
2906
47u
cxo
ur
i va
lu
tiT
2701
4927
5617
2733
1827
3625
2774
4326
5021
2716
0527
5617
2896
6729
2930
2935
6028
9077
mokl
evad
iani
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
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.136
.136
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.235
.235
.236
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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
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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.
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
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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
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1025425
1044080
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245357
243284
242312
235538
238860
241126
241644
262491
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166155
170793
178144
186979
188036
185156
182135
184461
186790
187179
193013
70814
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68926
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53402
54399
54337
54465
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589633
637590
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303548
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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.
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
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3605
012
3661
107
3671
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mimdinare a
ngariSebi
1269
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mwifo a
rasafinanso k
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9195
1892
4020
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2007
5021
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rasafinanso k
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epozitebi
2173
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2187
156
2244
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310
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318
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102
saxel
mwifo a
rasafinanso k
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1533
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943
1996
720
604
1931
120
269
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726
047
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560
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sxva a
rasafinanso k
orporaciebi
4650
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fizikuri p
irebi
1693
109
1721
798
1756
207
1797
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873
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510
1967
351
1983
727
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665
2006
871
1987
425
2074
146
gadasaxdel
i p
rocentebi
5908
359
614
5559
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560
529
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saxel
mwifo a
rasafinanso k
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765
717
547
739
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376
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605
550
940
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367
arasaxel
mwifo s
eqtori
5831
858
897
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258
008
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860
153
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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
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444
1365
627
mimdinare a
ngariSebi
6200
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mwifo a
rasafinanso k
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1138
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9232
1803
1817
3172
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5120
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sxva a
rasafinanso k
orporaciebi
4605
1648
6078
5394
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5459
9756
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5646
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6902
5524
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fizikuri p
irebi
4569
549
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vadiani d
epozitebi
2660
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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
.
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
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
.
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
934
853
3293
734
787
2826
944
966
4547
6046
3031
4680
3046
5570
4807
4350
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
5447
054
907
5820
259
393
6167
062
897
6086
165
029
6444
162
631
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
.
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
.
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
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
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
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
ewonil
i
saprocento g
anakveTebi
01. 1
002
. 10
03. 1
004
. 10
05. 1
006
. 10
07. 1
008
. 10
09.1
010
. 10
11. 1
012
. 10
sul
1126
228
1135
153
1198
017
1275
351
1344
844
1429
343
1436
687
1478
073
1521
463
1522
662
1539
246
1566
808
mokl
evad
iani
4619
5643
9566
4662
8652
9751
5527
4257
4470
5689
0760
5560
6382
8864
1117
6584
5769
2174
grZe
lva
dia
ni66
4273
6955
8773
1731
7456
0079
2102
8548
7386
7780
8725
1388
3175
8815
4688
0789
8746
34su
l38
9956
739
1987
439
2400
840
0203
840
2242
840
9949
341
5370
841
5638
041
1591
140
4482
642
7889
045
1549
8mo
klev
adia
ni67
6599
6982
9968
6840
7167
8874
5326
7926
0079
2560
7845
5977
4294
6801
9072
3793
8421
17gr
Zel
vad
iani
3222
968
3221
575
3237
168
3285
250
3277
102
3306
893
3361
148
3371
822
3341
616
3364
636
3555
097
3673
381
sul
2660
2026
9472
2792
9829
6359
2863
8929
8405
3164
0332
4720
3513
5937
5116
3715
7640
5371
mokl
evad
iani
2172
8421
9316
2248
6624
0758
2295
6523
8294
2551
5726
1870
2866
9930
8928
3050
7133
7440
grZe
lva
dia
ni48
735
5015
754
432
5560
256
824
6011
161
246
6285
064
659
6618
766
505
6793
1su
l19
0744
019
1768
319
6544
720
1363
919
9392
220
9991
321
8535
222
0228
622
2542
522
2871
622
3764
223
9773
1mo
klev
adia
ni14
8267
714
9685
715
0883
315
4323
415
2170
515
7904
716
3306
216
5715
716
6204
616
4406
816
7013
817
8909
7gr
Zel
vad
iani
4247
6442
0826
4566
1447
0404
4722
1652
0865
5522
9054
5130
5633
7958
4648
5675
0460
8634
sul
23.6
23.4
23.3
22.8
22.5
22.2
22.2
22.1
22.2
22.3
22.5
22.9
mokl
evad
iani
25.0
25.7
25.4
24.4
24.4
24.3
24.6
24.5
24.6
24.8
25.3
25.7
grZe
lva
dia
ni22
.522
.021
.921
.721
.220
.820
.620
.520
.420
.420
.420
.6
sul
18.1
18.0
17.9
17.8
17.6
17.4
17.2
17.0
16.8
16.6
16.3
15.9
mokl
evad
iani
22.8
22.2
22.1
21.8
21.2
20.8
20.5
20.2
19.5
19.7
19.0
17.5
grZe
lva
dia
ni17
.117
.017
.016
.916
.816
.616
.416
.216
.216
.015
.815
.5
sul
9.2
9.2
9.0
8.8
8.9
8.8
8.7
8.7
8.7
8.8
8.9
8.2
mokl
evad
iani
8.3
8.2
7.9
7.7
7.8
7.7
7.6
7.6
7.8
7.9
8.0
7.2
grZe
lva
dia
ni13
.513
.613
.513
.513
.313
.213
.113
.113
.013
.012
.913
.0
sul
9.9
9.8
9.5
9.4
9.0
8.9
8.8
8.6
8.5
8.5
8.4
8.2
mokl
evad
iani
9.5
9.4
9.0
8.8
8.4
8.2
8.0
7.8
7.7
7.7
7.7
7.5
grZe
lva
dia
ni11
.511
.511
.411
.211
.211
.110
.910
.810
.710
.610
.410
.3
sesx
ebi
ero
vnu
li
val
ut
iT i
ur
idiu
l d
a f
izik
ur
pir
ebz
e
sesx
ebi
uc
xou
ri
val
ut
iT
iur
idiu
l d
a f
izik
ur
pi
reb
ze
sesx
ebi
ero
vnu
li
val
ut
iT i
ur
idiu
l d
a f
izik
ur
pir
ebz
e
sesx
ebi
uc
xou
ri
val
ut
iT
iur
idiu
l d
a f
izik
ur
pi
reb
ze
per
iod
is b
ol
os;
aT
asi
lar
i
sapr
oc
ent
o g
anak
veT
ebi,
%
vad
iani
dep
oz
iteb
i er
ovn
ul
i va
lu
tiT
vad
iani
dep
oz
iteb
i u
cxo
ur
i va
lu
tiT
vad
iani
dep
oz
iteb
i er
ovn
ul
i va
lu
tiT
vad
iani
dep
oz
iteb
i u
cxo
ur
i va
lu
tiT
60
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
ewonil
i
saprocento g
anakveTebi
gagr
Zel
eba
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sul
mokl
evad
iani
grZe
lva
dia
ni
sesx
ebi
ero
vnu
li
val
ut
iT i
ur
idiu
l d
a f
izik
ur
pir
ebz
e
sesx
ebi
uc
xou
ri
val
ut
iT
iur
idiu
l d
a f
izik
ur
pi
reb
ze
sesx
ebi
ero
vnu
li
val
ut
iT i
ur
idiu
l d
a f
izik
ur
pir
ebz
e
sesx
ebi
uc
xou
ri
val
ut
iT
iur
idiu
l d
a f
izik
ur
pi
reb
ze
vad
iani
dep
oz
iteb
i er
ovn
ul
i va
lu
tiT
vad
iani
dep
oz
iteb
i u
cxo
ur
i va
lu
tiT
vad
iani
dep
oz
iteb
i er
ovn
ul
i va
lu
tiT
vad
iani
dep
oz
iteb
i u
cxo
ur
i va
lu
tiT
01. 1
102
. 11
03. 1
104
. 11
05. 1
106
. 11
07 .1
108
.11
09 .1
110
.11
11 .1
112
.11
1560
202
1562
495
1626
714
1692
300
1747
948
1862
297
1941
723
2069
848
2193
168
2226
203
2289
615
2336
524
6859
3668
9181
7290
2772
1037
7632
6281
8820
8446
9591
7737
9470
0492
6804
9412
6496
5770
8742
6687
3314
8976
8797
1263
9846
8610
4347
710
9702
811
5211
112
4616
512
9939
913
4835
113
7075
545
9757
644
9031
445
3915
744
8399
545
6658
948
5859
248
7966
248
9234
550
3854
250
7687
250
4618
551
8238
383
7985
8174
9786
7094
8412
2580
8353
8177
2181
8515
7507
2982
3580
8220
1780
7098
8249
5437
5959
136
7281
736
7206
336
4277
037
5823
640
4087
140
6114
741
4161
642
1496
142
5485
642
3908
743
5742
940
9945
4104
4940
9556
4853
4447
6112
4996
2149
0810
5171
9349
3066
5505
7954
8036
6152
6033
6184
3446
3033
2716
4032
0338
5129
4004
2738
7404
4032
6736
6977
4174
6440
4071
4596
5873
761
6581
976
839
8214
090
982
9919
510
3406
1139
2612
6089
1331
1514
3965
1556
0124
3266
024
1795
824
0419
723
9043
824
5518
525
2055
725
1135
925
1983
625
8486
626
1758
425
8303
828
5175
518
0957
118
4181
217
7734
117
2860
917
2409
417
2494
316
8873
016
5997
616
3875
616
0934
015
2359
415
5825
162
3089
5761
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,
%
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.
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.
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.
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.
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.
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.
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.
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
8.2
42182
19/10/11
19/04/12
25000
50000
25000
1055
8.8
8.9
8.8
4385
26/10/11
20/01/12
10000
21750
10000
194
8.2
8.5
8.5
44182
02/11/11
03/05/12
25000
56500
25000
1003
8.4
8.4
8.4
4584
09/11/11
02/02/12
15000
42500
15000
270
7.8
8.1
8.0
46182
16/11/11
17/05/12
25000
58000
25000
977
7.8
8.3
8.2
48182
30/11/11
31/05/12
25000
50000
25000
942
7.9
7.9
7.9
4984
07/12/11
01/03/12
30000
65500
30000
512
7.6
7.6
7.6
50182
14/12/11
14/06/12
25000
71000
25000
893
7.3
7.5
7.4
5184
21/12/11
15/03/12
30000
67200
30000
497
7.2
7.3
7.3
52182
28/12/11
28/06/12
25000
51900
25000
848
7.0
7.2
7.0
sul
xx
x430000
950350
430000
14678
xx
x
dafarvis
TariRi
emisiis
mocul
oba
(2012 w
lis p
irvel
i i
anvris m
dgomareobiT)
moTxovnis
mocul
oba
4.3
. mimoqcevaSi a
rsebul
i s
adepozito s
erTifikatebi
aTasi l
ari
ganTavseba
nominal
Si
diskonti
saprocento g
anakveTebi(%
)
auqcionis
nomeri
vadianoba
(dRe)
emisiis
TariRi
69
kom.
bankebidan
ararezi-
denti
bankebidan
iuridi-
ul
i
pirebisgan
fizikuri
pirebisgan
kom.
bankebze
ararezi-
dent
bankebze
iuridi-
ul
pirebze
fizikur
pirebze
2010
6794978
331200
331200
1343147
734872
3137431
1248329
6487525
126000
126000
1126123
1089581
3367317
778504
ianvari
4091
7579
000
7900
079
067
2049
317
4318
5629
840
8600
--
6272
973
799
2178
7154
202
Teberval
i41
4531
1520
015
200
9349
228
720
2042
6072
859
3849
20-
-67
560
5657
721
2460
4832
3marti
5239
9330
000
3000
011
6858
6096
821
1946
1042
2149
1941
--
8900
154
915
2811
5466
871
april
i51
8726
6500
065
000
1009
0939
729
2321
5880
930
5000
23-
-83
136
1047
6625
4693
5742
7maisi
4755
0885
000
8500
010
7116
4042
517
4842
6812
546
0672
--
7543
861
775
2504
6772
993
ivnisi
5985
9657
000
5700
012
2369
6046
825
4692
1040
6745
4851
1000
010
000
8162
437
855
2752
1250
160
ivl
isi
6392
85-
-12
5378
4963
826
8500
1957
6955
9359
--
1213
7154
997
2986
7684
315
agvisto
7562
28-
-99
424
6921
046
3024
1245
7074
8808
--
1125
3328
7110
2925
6656
599
seqtemberi
6158
44-
-10
4473
7989
329
1745
1397
3460
8481
2100
021
000
9036
460
588
3446
7291
858
oqtomberi
3221
29-
-76
416
2049
316
9011
5621
043
1685
3000
030
000
5711
073
799
2146
9556
081
noemberi
5291
60-
-88
025
6479
327
3839
1025
0456
6038
6500
065
000
8422
969
085
2811
9666
528
dekemberi
9918
01-
-22
9620
2000
4141
9097
1430
4387
2147
--
2010
2915
4316
4436
5673
146
2011
13148733
80000
80000
1070723
6261451
3881738
1854822
13424206
380000
380000
1068085
6545978
4550674
879469
ianvari
6323
9020
000
2000
090
503
2070
0020
5508
1093
8065
6044
--
9570
920
7140
2971
5256
041
Teberval
i74
2412
1000
010
000
8368
331
9430
2248
1710
4482
7576
82-
-75
754
3376
3828
8986
5530
3marti
1038
261
--
1069
0252
5996
2755
5412
9809
1054
558
4000
040
000
1072
6653
1326
3128
2063
145
april
i85
7399
--
1013
0834
5844
2840
2712
6220
8687
8860
000
6000
010
0759
3110
9432
8984
6795
2maisi
9264
5450
000
5000
082
302
3744
8727
7767
1418
9894
8440
--
8323
439
4668
4048
7965
659
ivnisi
9833
08-
-95
213
3702
6034
8338
1694
9798
6235
2500
025
000
8966
442
2890
3815
4667
136
ivl
isi
8699
73-
-69
240
3332
6927
3300
1941
6487
2128
2000
020
000
6780
739
0776
3266
0066
945
agvisto
1096
725
--
7057
955
5192
2742
5119
6703
1146
794
2000
020
000
7025
858
5102
3981
2073
315
seqtemberi
1297
985
--
7728
566
2593
3790
1817
9089
1313
539
3000
030
000
7877
573
1703
4113
5461
706
oqtomberi
1620
628
--
9107
594
3298
4152
4617
1009
1666
261
5500
055
000
9117
392
0097
4711
8812
8803
noemberi
1443
607
--
8247
778
7766
4382
8213
5082
1426
495
5000
050
000
8752
778
8740
4239
5176
277
dekemberi
1639
593
--
1201
5683
6317
4856
3119
7489
1727
244
8000
080
000
1201
5792
4806
5050
9597
186
seb-i
s s
aval
uto a
uqcionis g
arda:
seb-is s
aval
uto a
uqcionis g
arda:
seb-i
s
sava-
luto
auqcion-
ze*
aqedan:
erovnul
i
bankidan
seb-is
sava-
luto
auqcion-
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
peraciebi
aTas
i aS
S d
ol
ari
sul
komerciul
i b
ankebis m
ier n
ayidi a
SS d
ol
ari
70
kom.
bankebidan
ararezi-
denti
bankebidan
iuridi-
ul
i
pirebisgan
fizikuri
pirebisgan
kom.
bankebidan
ararezi-
denti
bankebidan
iuridi-
ul
i
pirebisgan
fizikuri
pirebisgan
2010
1379401
1379401
259350
499403
354936
265711
1372652
1372652
213308
363647
687247
108450
ianvari
8446
584
465
1285
636
752
2438
010
477
7845
878
458
9145
1053
049
276
9507
Teberval
i86
992
8699
212
435
2896
129
306
1629
182
359
8235
910
049
1466
849
399
8243
marti
1179
5311
7953
1933
026
085
5058
121
958
1298
4612
9846
1888
041
400
6147
280
94april
i12
8296
1282
9613
989
6720
727
623
1947
713
3290
1332
9014
812
2567
682
935
9867
maisi
1031
7410
3174
1612
832
933
3206
022
051
1061
5110
6151
1429
126
654
5433
210
873
ivnisi
1378
5513
7855
1325
274
087
2915
521
361
9564
895
648
1383
612
495
5873
710
580
ivl
isi
1090
2110
9021
2014
222
558
3313
933
183
1045
5210
4552
2114
329
051
4520
891
50agvisto
9207
992
079
3115
816
346
2216
922
406
1019
0110
1901
2220
118
155
5365
878
87seqtemberi
1428
5714
2857
3940
341
466
3311
328
876
1439
1814
3918
2657
460
049
4973
375
62oqtomberi
1003
5610
0356
1223
938
666
2348
925
962
1053
7410
5374
5679
3884
752
511
8337
noemberi
1031
7810
3178
1215
538
666
2609
626
262
1086
1310
8613
5494
3885
156
786
7482
dekemberi
1731
7517
3175
5626
475
677
2382
617
407
1825
4118
2541
5120
447
272
7319
910
867
2011
4274892
4274892
185522
3258900
491887
338582
4206112
4206112
150069
2749130
903634
403279
ianvari
1987
5019
8750
1945
613
5869
2542
717
998
2099
9720
9997
1688
913
3041
5166
783
99Teberval
i27
3406
2734
0630
768
1970
5318
744
2684
225
4145
2541
4519
813
1831
3343
523
7677
marti
3115
7031
1570
1130
525
5809
2522
419
232
3129
4431
2944
5818
2404
9858
289
8339
april
i19
3809
1938
0995
0213
9255
2359
221
460
2101
8421
0184
9502
1424
5748
682
9542
maisi
2192
1021
9210
8980
1654
6124
253
2051
520
3991
2039
9161
4212
5648
5734
414
856
ivnisi
2303
0823
0308
1015
116
5772
3173
622
648
2311
6223
1162
6718
1244
5785
968
1401
8ivl
isi
1824
2618
2426
9115
1060
1137
392
2990
816
8444
1684
4490
7667
672
7126
420
432
agvisto
2660
7526
6075
8953
1924
4232
027
3265
330
4158
3041
5810
336
2042
2673
071
1652
6seqtemberi
5018
6750
1867
1586
141
9630
4379
922
577
5025
9750
2597
1585
436
3247
9546
028
035
oqtomberi
6081
6060
8160
1666
649
0328
5454
746
620
6144
7461
4474
1101
646
5290
6435
373
815
noemberi
5324
0553
2405
2238
238
0683
9510
634
234
5566
6355
6663
1729
639
0302
1200
2429
041
dekemberi
7569
0675
6906
2238
461
0586
8004
043
896
6373
5363
7353
2160
830
9159
1339
8717
2599
4.6
. saval
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:
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
-0.81
48.67
148.67
142.02
278.39
131.85
0.55
agvisto
1.8330
1.8399
-0.16
48.43
148.43
142.22
284.86
134.95
2.35
seqtemberi
1.8064
1.8325
-0.40
47.83
147.83
142.30
293.69
139.61
3.45
oqtomberi
1.7780
1.7935
-2.13
44.68
144.68
142.48
299.67
145.37
4.13
noemberi
1.7593
1.7625
-1.73
42.18
142.18
142.54
302.82
149.42
2.78
dekemberi
1.7728
1.7632
0.04
42.24
142.24
142.78
304.32
149.84
0.28
2011
ianvari
1.8089
1.7959
1.85
44.88
144.88
143.46
310.57
149.42
-0.28
Teberval
i
1.7568
1.7760
-1.11
43.27
143.27
144.17
319.32
154.59
3.46
marti
1.7059
1.7122
-3.60
38.12
138.12
145.58
319.25
158.77
2.71
april
i1.6408
1.6652
-2.75
34.33
134.33
146.51
318.80
161.98
2.02
maisi
1.6658
1.6759
0.65
35.20
135.20
147.20
319.99
160.79
-0.74
ivnisi
1.6665
1.6548
-1.26
33.50
133.50
147.05
307.05
156.42
-2.71
ivl
isi
1.6549
1.6658
0.66
34.38
134.38
147.18
302.05
152.73
-2.36
agvisto
1.6457
1.6508
-0.90
33.17
133.17
147.58
305.25
155.32
1.69
seqtemberi
1.6610
1.6619
0.68
34.07
134.07
147.81
307.09
154.97
-0.22
oqtomberi
1.6592
1.6604
-0.09
33.95
133.95
147.50
306.62
155.19
0.14
noemberi
1.6583
1.6587
-0.11
33.81
133.81
147.38
308.63
156.51
0.85
dekemberi
1.6703
1.6603
0.10
33.94
133.94
147.01
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
sid
idis
gam
rav
leb
iT s
aqar
Tve
lo
sa d
a aS
S-s
samo
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, a
SS S
ro
mis
stat
ist
ikis
biu
ro
.
4.7
. gacvl
iTi k
ursebi: aSS d
ol
ari/l
ari
samomxmarebl
o f
asebis
indeqsi (dekemberi 1
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
iTi
kursis
indeqsi*
(dekemberi
1995=100)
laris
real
uri
gacvl
iTi
kursis
indeqsis
procentul
i
cvl
il
eba w
ina
TvesTan
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
oSi
2010
ianvari
5.7227
5.7095
1.77
-77.16
22.84
1384.74
276.75
87.51
-2.20
Teberval
i
5.7792
5.7154
0.10
-77.14
22.86
1397.20
280.83
87.92
0.47
marti
5.9577
5.8464
2.29
-76.61
23.39
1405.58
280.20
85.24
-3.04
april
i6.0563
5.9919
2.49
-76.03
23.97
1409.80
280.88
83.13
-2.49
maisi
5.8523
5.8645
-2.13
-76.54
23.46
1416.85
279.88
84.21
1.30
ivnisi
5.9118
5.9608
1.64
-76.16
23.84
1422.51
279.05
82.27
-2.30
ivl
isi
6.0924
6.0062
0.76
-75.98
24.02
1428.20
278.39
81.13
-1.39
agvisto
5.9777
6.0642
0.97
-75.74
24.26
1436.77
284.86
81.74
0.74
seqtemberi
5.9415
5.9429
-2.00
-76.23
23.77
1448.27
293.69
85.31
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
uri
kursis
indeqsi
(dekemberi
1995=100)
samomxmarebl
o f
asebis
indeqsi
(dekemberi 1
995=100)
rusul
i
rubl
is m
imarT
laris r
eal
uri
gacvl
iTi
kursis i
ndeqsi*
(dekemberi
1995=100)
laris r
eal
uri
gacvl
iTi k
ursis
indeqsis
procentul
i
cvl
il
eba w
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
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.
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
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
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:
77
5.2
saqarTvel
os s
axel
mwifo s
agareo v
al
i( s
axel
mwif
os
mier
gar
ant
ireb
ul
i kr
edit
ebis
gar
eSe)
ian
Teb
mar
apr
mai
ivl
agv
seq
oqt
noe
dek
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
ebi p
rocentul
ad
eqsportTan
xx
1.2
xx
2.8
xx
1.1
xx
2.2
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.
78
5.2
saqarTvel
os s
axel
mwifo s
agareo v
al
i( s
axel
mwif
os
mier
gar
ant
ireb
ul
i kr
edit
ebis
gar
eSe)
gag
rZe
leb
a
mTl
iani s
agareo v
al
i, periodis
bol
osaTvis
maT S
oris:
mokl
evadiani k
reditebi
grZel
vadiani k
reditebi
sagareo v
al
is m
omsaxurebasTan
dakavSirebul
i g
adasaxdel
ebi
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.
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)
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.
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.
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.
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.
84
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.
85
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:
86
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.
87
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.
88
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
89
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
90
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.
91
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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