wliuri angariSgeba saqarTvelos fasiani qaRaldebis erovnul ...5 banki – Sps `nitani~ - gadauxdeli kreditis 24624 AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia

wliuri angariSgeba

saqarTvelos fasiani qaRaldebis erovnul komisias 1. wliuri angariSis wardgenis TariRi (ivseba komisiaSi): ` ~ 2007

weli

2. wliuri angariSi Sedgenilia 2006 sameurneo wlisaTvis

3. angariSis warmdgeni sawarmos dasaxeleba (wesdebis mixedviT): s.s. `saqarTvelos banki~

4. angariSis registraciis nomeri (ivseba komisiaSi):

.

5. angariSis warmdgeni sawarmos iuridiuli misamarTi, telefonisa da faqsis nomrebi:

q. Tbilisi, 380005, puSkinis quCa #3, tel: 444-227, 444-128; faqsi: 444-127

6. mieTiTos, rom ar aris es sawarmos pirveli wliuri angariSi: ar aris

wliuri angariSis Sinaarsi:

sakiTxi I – sawarmos saqmianoba sakiTxi II – sawarmos qoneba sakiTxi III – sasamarTlo procesi sakiTxi IV – sakiTxebis gatana aqcionerTa saerTo krebaze sakiTxi V – sawarmos fasiani qaRaldebiT vaWroba sakiTxi VI – SerCeuli finansuri informacia sakiTxi VII – mmarTveli organos mier sawarmos finansuri mdgomareobisa da saqmianobis

Sedegebis mimoxilva da analizi

sakiTxi VIII – sawarmos mflobelobaSi arsebuli fasiani qaRaldebis sabazro riski sakiTxi IX – finansuri angariSebi sakiTxi X – sawarmos mier SerCeuli auditoris Secvla sakiTxi XI – mmarTveli organos wevrebi da sxva mniSvnelovani Tanamdebobis pirebi sakiTxi XII – sawarmos xelmZRvanelTa anazRaureba sakiTxi XIII – pirebi, romlebic saerTo krebaze xmaTa 5%-s an mets floben an

akontroleben

sakiTxi XIV – dakavSirebuli mxareebi da urTierTobebi sakiTxi XV – damadasturebeli danarTebi da mimdinare angariSebi sakiTxi XVI – xelmowerebi

ss.”saqarTvelos bankis” saqarTvelos fasiani qaRaldebis erovnul komisiaSi wliuri angariSgeba

ss `saqarTvelos banki~ 2

Tavi 1. sawarmos saqmianoba, qoneba, sasamarTlo procesi da

aqcionerTa saerTo krebaze gamotanili sakiTxebi

muxli 1. sawarmos saqmianoba 1.1 saqmianobis ZiriTadi arsis aRwera ss `saqarTvelos banki~ warmoadgens universalur komerciul banks, romelic saqarTvelos erovnuli bankis mier gacemuli generaluri licenziis safuZvelze Tavis klientebs uwevs sakredito, safinanso, saangariSsworebo, sakaso da sxva saxis sabanko momsaxurebas.

muxli 2. sawarmos qoneba

2.1 `saqarTvelos bankis~ balansze ricxuli ZiriTadi saSualebebis sasicocxlo vadebi warmodgenilia winamdebare cxrilSi:

sicocxlis xangrZlivoba

Senoba 50 weli

aveji da mowyobilobebi 10 weli

kompiuterebi da saofise aRWurviloba 5 weli

avto-satransporto saSualebebi 5 weli

2.2 aramaterialuri aqtivebi

`saqarTvelos bankis~ balansze ricxuli aramaterialuri aqtivebi, umetes wilad gulisxmobs kompiuterul programebze gaweul danaxarjebs da gudvils. gudvili warmoadgens SeZenis Rirebulebis metobas Sesyiduli Svilobili kompaniis wminda aqtivebSi jgufis wilis sabazro Rirebulebaze, SeZenis TariRisTvis. Svilobili kompaniis Sesyidvis gudvili CarTulia aramaterialur aqtivebSi. aramaterialuri aqtivebi (aTas larebSi ara audizirebuli, ara konsolidirebuli)

sabalanso Rirebuleba 31.12.2006w. 26,560

dagrovili cveTa 31.12.2006w.

3,041

narCeni Rirebuleba 31.12.2006

23,519



detaluri informacia `saqarTvelos bankis~ balansze ricxuli qonebis Sesaxeb

ss `saqarTvelos bankis~ balanze ricxuli ZiriTadi saSualebebi.

(aTas larebSi ara audizirebuli, ara konsolidirebuli)

miwa da Senobebi

kompiuterebi da mowyobiloba

satransporto saSualebebi

aveji da aRWurviloba

sxva Zir. saS.

daumT. kap. dabandebani

ijariT aRebuli qonebaze gaweuli kap. danaxarjebi

sul

sabalanso Rirebuleba 31.12.2006w.

25,201 10,520 1,651 11,468 7,604 3,743 1,763 61,949

dagrovili cveTa 31.12.2006 w 1,215 3,757 822 2,310 2,098 0

480 10,682

narCeni Rirebuleba 31.12.2006 w.

23,986 6,763 829 9,159 5,506 3,743 1,283 51,268

muxli 3. sasamarTlo procesebi

1. Sps `narCenresursi~ (mosarCele) - banki (mopasuxe). sadavo Tanxa 50.000 aSS dolari (iTxovs am odenobis kompensacias, an qonebas). sasamarTloSi Sesvlis TariRia 11.12.02w. ipoTekis xelSekrulebis baTilobas iTxovs `narCeniresursis~ partniori, romlis Tanxmobac ar yofila ipoTekis gaformebisas. 1-li instanciis sasamarTlom gamoitana bankis sawinaaRmdego gadawyvetileba, aseTive gadawyvetileba gamoitana saapelacio sasamarTlom. sakasacio instanciaSi gauqmda saolqo sasamarTlos gadawyvetileba da saqme xelaxali ganxilvisaTvis gadaeca saolqo sasamrTlos. procesi CainiSna 8 Tebervals. bankis pozicia aris myari, radgan uzenaesma sasamarTlom gadawyvetilebis gauqmebis safuZvlad miuTiTa sasarCelo xandazmulobisa da direqtorebisa da partniorTa krebis uflebamosilebaTa gamijvnis sakiTxi, anu yvela sakiTxi, rac wina instanciis sasamarTloebma ar gaiTvaliswines. 2. ss `borjomis turistuli gaerTiaeneba~ (mosarCele) - banki (mopasuxe). davis sagani: sajaro auqcionze sarealizacio fasi – 500 000 aSS. bankma Seitana sarCeli ss `borjomis turistuli gaerTianebis winaaRmdeg daubrunebeli kreditis da ipoTekiT datvirTuli qonebis realizaciis moTxovniT. pirvel instanciaSi dasrulda morigebiT, Tanaxmad 02.11.01w ganCinebisa, romelic Sevida ZalaSi, magram morigebis pirobis darRvevis gamo amoiwera saaRsrulebo furceli. mosarCelem Seitana sarCeli da moiTxova aRsrulebis SeCereba da qonebis sarealizacio fasis gazrda. pirvel (13.11.03w. ganCineba) da meore instanciebSi (09.04.04w. ganCineba) dava dasrulda bankis sasargeblod da saboloo ganCineba Sevida ZalaSi. aRsruleba gagrZelda, dainiSna auqcioni da moxda qonebis realizacia, sadac qoneba SeiZina saqarTvelos bankma da riTac gadawyvetileba aRsrulebulad iTvleba. mosarCelis mier xelmeored gasaCivrda sasamarTlo aRmasruleblis moqmedeba auqcionze sarealizacio fasis arasworad dadgenis gamo da moiTxova auqcionis Sedegebis batiloba. sasamarTloSi Setanis TariRia 06.06.06w. sarCelis motivad miTiTebuli is garemoeba, rom qoneba gaiyida Zalian dabal fasad, xolo auqcionis daniSvnis TariRi misTvis ucnobi iyo. dava mimdinareobs axalcixis raionul sasamarTloSi. bankis pozicia samarTlebrivad myaria, magram sasamarTlo mimdinareobs tendenciurad mosarCelis sasargeblod. bankis mier SeZenili qoneba sasamarTlos mier amJamad dayadaRebulia. wardgenilia yvela mtkicebuleba sarCelis usafuZvlobis dasamtkiceblad. mosarCelis mizani aris mxolod drois maqsimalurad gawelva, radgan aqvs imedi, rom gauCndeba saxsrebi da dakargul qonebas gamoisyidis. am xnis ganmavlobaSi ki qoneba



darCeba dayadaRebuli da banki mis gayidvas ver SeZlebs. bankma gaasaCivra yadaRis dadebis ganCineba, saapelacio sasamarTlom gaauqma yadaRa, magram axalcixis sasamarTlom xelmeored daado yadaRa qonebas, aseve ar daakmayofila bankis moTxovna Sebrunebis uzrunvelyofis Sesaxeb. amJamad banks Setanili aqvs meore kerZo saCivari yadaRis moxsnaze. vamzadebT mosamarTlis winaaRmden saCivars iusticiis sabWoSi da uz.sasamarTloSi. 3 banki - Sps `maiko~ - gadauxdeli kreditis 12013 AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 29.06.05. pirvel instanciaSi saqme dasrulda bankis sasargeblod. miRweulia morigeba da ifareba grafikis Sesabamisad. 4. banki - iuri giorgaZe - gadauxdeli kreditis 9833 Alarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 20.10.2005. saqme jer ar ganxilula bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 5 banki – Sps `nitani~ - gadauxdeli kreditis 24624 AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 16.12.2005. saqmis ganxilva mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 6 banki – Sps `lordi~ - gadauxdeli kreditis 12 659 aSS dolarisa da 569 laris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 16.12.2005. saqmis ganxilva mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 7 banki – Sps `amaRleba~ - gadauxdeli kreditis 35845 AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 02.11.2005. saqmis ganxilva mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 8 banki – bakur nikuraZe - gadauxdeli kreditis 9677 aSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 10.03.2005. saqmis ganxilva mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 9 banki – manana ratiani - gadauxdeli kreditis 137 188AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 22.09.2005. saqme dasrulda morigebiT. krediti ifareba morigebis pirobebis Sesabamisad. 10 boris yuraSvili – banki. mxarem moiTxova anabarze 1991 w. Setanili Tanxis nacvlad indeqsirebuli Tanxis 1703 laris dabruneba. pirveli instanciis sasamarTlom gamoitana bankis sasargeblo gadawyvetileba, saapelacio sasamarTlom saqme daabruna administraciul kolegiaSi. savaraudooba, rom saqme bankis sasargeblod damTavrdeba sakmaod maRalia imis gaTvaliswinebiT, rom pirveli instanciis sasamarTlomac mopasuxed unda scnos finansTa saministro, vinaidan 1995 wlamde mosaxleobis mier sax.bankebSi anabarze Setanili Tanxebi saxelmwifom aRiara sax-fo valad da indeqsaciiT unda gaustumros TviTonve. 11 banki - mayvala SaraSiZe - banki iTxovs SaraSiZis gamosaxlebas bankis qonebidan (sadao qonebis Rirebulebaa – 920000 aSS dolari. sarCeli Setanilia 20.10.03. bankma m. SaraSiZisagan ukugamosyidvis uflebiT SeiZina uZravi qoneba (restorani `toto~). m. SaraSiZem ar gadaixada 2003w. dekembris Tvidan gamosyidvis Tanxa, amitom bankma moiTxova misi kuTvnili uZravi qonebis gamoTavisufleba. pirveli instanciis sasamarTlom gamoitana bankis sasargeblo gadawyvetileba, saapelaciom saqme daabruna isani-samgoris raionul sasamarTloSi. kvlav gamotanil iqna bankis sasargeblo gadawyvetileba da mopasuxem kvlav gaasaCivra. 2006 wlis 11 ivliss Tbilisis saapelacio sasamarTlom bankis sasargeblod gamoitana dauswrebeli gadawyvetileba. mopasuxis braliT saqme Wianurdeba sxvadasxva mizezebiT. bolo periodSi Tavs aridebs gadawyvetilebis Cabarebas da vcdilobT, ramenairad davadginoT misi axali sacxovrebeli misamarTi, rom Cabarebas hqondes oficialuri saxe. saqmis bankis sasargeblod damTavrebis savaraudooba sakmaod maRalia. 12 mcxeTis raikavSiri (mosarCele) – banki. mosarCele iTxovs ipoTekis xelSekrulebis gauqmebas. pirvel instanciaSi procesi dasrulda bankis mogebiT. sarCeli Setanilia 2001 wels. saapelacioSi ar gasaCivrebula. banks Setanili aqvs gancxadeba qonebis yadaRisagan gaTavisuflebis Sesaxeb. procesi CainiSna 22 ianvars. 13 faCuaSvili – banki - banki CarTulia mesame pirad. mosarCele iTxovs nasyidobis xelSekrulebis gauqmebas im qonebaze, romelic bankSi ipoTekiT aris datvirTuli. sarceli Setanilia 22.02.06. mimdinareobs ganxilva. procesi daniSnulia dekembris TveSi. pirveli instanciis sasamarTloSi procesi misulia mxareTa kamaTamde, arsebobs saSiSroeba, sasamarTlom gaauqmos sajaro reestris Canaweri da bankis krediti darCes arauzrunvelyofili. (pirveli instanciaSi procesi dasrulda bankis sasargeblod).



14 kviciani da fizikur pirTa jgufi – banki – baqo-jeixanis milsadeni. – banki CarTulia mesame pirad.. sarCeli Setanilia 14.02.06. procesi ar CaniSnula. bankis pozicia myaria, radgan mxares faqtobrivad ar warmoadgens da procesSi Cabmulia mxolod imitom, rom emsaxureboda baqo-jeixanis proeqts. 15 zaqaraSvili – meria- banki – iTxovs binas, romlis orderi 1990 wels misca meriam. sarCeli Setanilia 2005 wlis seqtemberSi. saqme administraciuli sasamarTlodan gadaegzavna samoqalaqo sasamarTlos. procesi ar CaniSnula. bankis poziciebi am davaSi sustia, radgan aqac analogiuri situaciaa, rac 37-e punqtSi vaSlijvris sacxovrebeli saxlis irgvliv. gansxvaveba mdgomareobs imaSi, rom es mosarCele binsocbankSi ar muSaobda. mosarCeles xelT aqvs binis orderi. am orderis sanacvlod man saxelmwifos Caabara Tavisi kuTvnili bina, magram axali ar miuRia. mosarCele iTxovs sanacvlod sxva sacxovrebel binas. 16 dimitri aleqsiZe - banki – bankisagan iTxovs zaralis anazRaurebas 25000 aSS dolaris anazRaurebas. sarCeli Setanilia -16.03.06. procesi ar CaniSnula. bankis pozicia myaria, radgan mopovebuli gvaqvs mtkicebuleba, romliTac mtkicdeba mosarCelis mier Cadenili siyalbe. 17 banki – Sps `Tnn~. gadauxdeli kreditis 753803 aSS dolaris da 224663 laris dabruneba da ipoTekiT datvirTuli qonebis realizacia. procesi jer ar CaniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 18 banki – paata gvaramia, Teimuraz kostava - gadauxdeli kreditis 21659 aSS dolarisa dabrunebisa da opoTekiT datvirTuli qonebis realizacia. sarCelis Setanilia 10.10.05. saqme dasrulda morigebiT da davalianeba ifareba morigebis pirobebis Sesabamisad. 19 banki – malxaz ramiSvili, Sps `metali~ gadauxdeli kreditis 15565 aSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 10.10.05. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. procesi CaniSnulia 23 ianvars. 20 banki – Teimuraz kostava - gadauxdeli kreditis 19 538 aSS dolarisa dabrunebisa da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 10.10.05. procesi dasrulda morigebiT da davalianeba ifareba morigebis pirobebis Sesabamisad. 21 banki – vasil da gela burdulebi – Sps `saqarTvelos minigolfis federacia~ - gadauxdeli kreditis 25791 aSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 10.10.05. procesi ar CaniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 22 fizikur pirTa jgufi (bankis yofili TanamSromlebi) – banki. iTxoven vaSlijvris binebze qiravnobis uflebis aRiarebas (aRiarebiTi sarCeli). sarCeli Setanilia 2004 wlis dekemberSi. pirvel instanciaSi procesi dasrulda bankis mogebiT. saapelaci sasamarTloSi saqme dasrulda bankis sawinaaRmdegod, gamovida axali gadawyvetileba da sarCelis dakmayofilda. gadawyvetileba banks jer ar Cabarebia. bankis pozicia ar aris myari. mosarCeleebs xelT aqvT binis orderebi, romlebic gacemulia im sacxovrebel saxlze (vaSlijvris ubanSi), romelsac 1990-92 wlebSi aSenebda `binsocbanki~, magram mSeneblobis dasruleba ver moxerxda saqarTveloSi im droesaTvis arsebuli mZime finansuri mdgomareobis gamo. mSenebloba arc SemdgomSi dasrulebula. saqarTvelos banki warmoadgens yofili binsocbankis samarTalmemkvidres. 2002 wels bankma dausrulebeli Senoba gaasxvisa sam fizikur pirze. gasxviseba moxda ise, rom am orderebis arseboba aravis gaxsenebia. saqmeSi mopasuxeebad CarTulni arian aseve Tbilisis meria da mTawminda-krwanisis raionis gamgeoba. arsebobs kidev erTi riski, rac mdgomareobs imaSi, rom Tu sabolood uzenaesma sasamarTlom maT mianiWa damqiraveblis ufleba sadavo sacxovrebel saxlze, SesaZlebelia mosarCeleebma waradginon axali samoqalaqo sarCeli da moiTxovon im nasyidobis xelSekrulebis baTiloba, romliTac bankma gaasxvisa sacxovrebeli saxli. 23 banki – konstantine balanCivaZe - gadauxdeli kreditis 21125 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 24.01.2006w. procesi mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 24 banki – vaCagan akofiani - gadauxdeli kreditis 12516 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 2003w. noemberSi. procesi mimdinareobs. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 25 banki - giorgi, mayvala da giorgi xaindravebi - gadauxdeli kreditis 1775 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia



29.12.2005w. procesi ar CaniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. (pirvel instanciaSi procesi dasrulda bankis sasargeblod) 26 banki – malxaz cicviZe da irakli cincaZe - gadauxdeli kreditis 12524 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 07.02.2006w. saqmis ganxilva mimdinareobs. procesi gadaido gaurkveveli vadiT. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 27 banki – sagadsaxado departamenti – biujetSi zedmetad gadaxdili Tanxis – 1000 000 laris ukan dabrubeba. sarCeli Setabilia 07.02.06. mimdinareobs ganxilva pirvel instanciaSi. bankis pozicia samarTlebrivad myaria, magram faqtobrivad aramyari sasamarTlos mxridan subieqturli damokidebulebis gamo, radgan sasamarTloSi damkvidrebuli maxinji praqtikis mixedviT àkrZalulia~ sax. biujets raime Tanxa daekisros. saqme dasrulda droebiT, bankma sarCeli gamoixmo ise, rom sarCelze uari ar uTqvams. 28 banki - Sps àgrojorjia~ - gadauxdeli kreditis 590 714 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 06.03.2006w. dasrulda bankis sasargeblod. gadawyvetileba jer banks ar Cabarebia. gadawyvetileba gamocxadda 18 dekembers. 29 banki - malxaz pavliaSvili gadauxdeli kreditis 1087 dolaris dabruneba da mis mflobelobaSi arsebuli a/manqanis da saojaxo nivTebis realizacia. procesi ar daniSnula. 30 banki - aleqsandre zurabiSvili gadauxdeli kreditis 1528 dolaris dabruneba da mis mflobelobaSi arsebuli a/manqanis da saojaxo nivTebis realizacia. procesi ar daniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 31 banki - i/m “guram gogberaSvili“. banki moiTxovs mis mier kreditis saxiT gacemuli Tanxis darCenili nawilis 39983 aSS dolaris dakisrebas da qonebis realizacias. procesi ar CaniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. 32 dodo Sengelia. - ss “saqarTvelos banki”. mosarCele moiTxovs Tbilisis CuRureTis raionuli sasamarTlos 1997 wlis 17 seqtembris gadawyvetilebis gauqmebas da axali gadawyvetilebis miRebas im sababiT rom mas Tavisdroze procesis Sesaxeb Setyobineba ar Cabarebia da misi daswrebis gareSe moxda gadawyvetilebis gamotana, romliTac mas bankis sasargeblod daekisra 10 000 laris gadaxda da banks ukanonod mieca ufleba misi kuTvnili binis realizaciisa. saapelacio sasamarTlom saapelacio saCivarze apelants uTxra uari. sakasacio wesiT jer ar gasaCivrebula radgam apelants sas. ganCineba jer ar Cabarebia. 33 giorgi yesaSvili - ss “saqarTvelos banki”. mosarCele moiTxovs 8936 aSS dolaris dakisrebas im motiviT, rom 2000 wlis 4 ivliss misi dedis mayvala goSaZis mier bankis gldani-naZaladevis filialSi vadian (12 TviT) anabarze Setanil iyo 8000 aSS dolari, romelsac erTwliani vadis ganmavlobaSi unda daricxvoda sargebeli wliuri 13%, xolo vadis gasvlis Semdegi periodisaTvis sarCelis Setanamde - wliurad 5% odenobiT. sarCeli Setanilia 2006 wlis ivlisis Tvesi. mosarCeles xelT aqvs anabris wignaki da anabris xelSekruleba gaformebuli saqarTvelos bankis gldanis filialTan, romlis mmarTveli im periodisaTvis iyo daviT jinjixaZe. d. jinjixaZem 2002 wlis 9 oqtombers TviTmkvlelobiT daasrula sicocxle, TviTmkvlelobas win uswrebda filialSi Catarebuli revizia, romelmac gamoavlina anabrebTan dakavSirebuli darRvevevi. saqme gadaeca prokuraturas, romelmac gamoZiebiT daadgina rom sxvadasxva pirebze xdeboda anabris xelSekrulebebis gaformeba, magram Tanxebi bankis salaroSi ar Semodioda. anabris wignakebs da xelSekrulebebs piradad d.jinjixaZe aformebda da adsturebda xelmoweriT da beWdiT. SemdgomSi dazaralebulma meanabreebma sarCeli Seitanes sasamarTloSi da moiTxoves xelSekrulebis Sesruleba da zianis anazRaureba. yvela procesi dasrulda meanabreTa sasargeblod. mosarCele g.yesaSvili aris am dazaralebul meanabreTagan erT-erTis (m.goSaZis) memkvidre. bankSi mosarCelis saxelze gaxsnili anabris dokumentacia ver moiZebna. savaraudod procesi am SemTxvevaSic bankis sawinaaRmdegod dasruldeba. procesi gadaido gaurkveveli vadiT. dava mimdinareobs Tbilisis saqalaqo sasamarTloSi. 34 ss `saqarTvelos banki~ - mopasuxe ss èleqtrovagonSemkeTebeli qarxana~. banki iTxovs sakredito xelSekrulebiT nakisri valdebulebebis Sesrulebas, kerZod - sabanko kreditis, sargeblisa da vadagadacilebis dafarvas da ipoTekiT datvirTuli qonebis realizacias. sasarCelo moTxovnaa 2 383 125 aSS dolari. sarCeli Setanilia



gamartivebuli wesiT 12.06.2006w. gsasamarTlom gamosca gadaxdis brZaneba, magram igi gaaprotesta mosarCelem. saqmis ganxilvis procesi jer ar CaniSnula. bankis poziciebi myaria, wardgenilia yvela saTanado mtkicebuleba. SesaZlebelia dava dasruldes morigebiT. dava mimdinareobs Tbilisis saqalaqo sasamarTloSi. 35 saqarTvelos banki~ - Sps jjs~. banki iTxovs sakredito xelSekrulebiT nakisri valdebulebebis Sesrulebas, kerZod - sabanko kreditis, sargeblisa da vadagadacilebis dafarvas da ipoTekiT datvirTuli qonebis realizacias. sasarCelo moTxovnaa 141 990 aSS dolari. sarCeli Setanilia 29.11.2006w. bankis poziciebi myaria, wardgenilia yvela saTanado mtkicebuleba. dava mimdinareobs Tbilisis saqalaqo sasamarTloSi. amJamad mopasuxesTan mimdinareobs molaparakebebi morigebis Taobaze. 36 banki - mopasuxe gulnara RvalaZe, baTumis saqalaqo sasamarTlos gadawyvetilebiT mopasuxes daekisra 1613 aSS dolaris gadaxda da misive sakuTrebaSi arsebuli qonebis iZulebiTi realizacia auqcionis wesiT, RvalaZis mier gasaCivrebuli iqna es gadawyvetileba da procesi RvalaZis saapelacio saCivarTan dakavSirebiT CaniSnulia quTaisSi 25 seqtembers. prognozi: mopasuxis mtkicebulebebi Tanxis dakisrebasa da qonebis iZulebiT realizaciasTan dakavSirebiT mwiria, radgan valis gadaxdis valdebulebis Seusruleblobas igi ukavSirebs `vardebis revolucias~, viTomda forsmaJorul mdgomareobas da `saqarTvelos bankis~ baTumis filialis iuristis darejan koCaZis pirad dainteresebas udebs safuZvlad Tavis moTxovnas. am konkretul SemTxvevaSi banks aqvs sakmao samarTlebrivi mtkicebulebani, raTa uzrunvelyos sasamarTlo procesze Tavisi interesebis dacva. moq. RvalaZe, garda imisa, rom problemuri gadamxdelia, saerTod, kanonis Sefardebis sakiTxis mimarT Tavisi absurduli pozicia aqvs Camoyalibebuli da cdilobs bankis intersi da fizikuri piris, am SemTxvevaSi ki TanamSromlis, interesi gaaigiveos. zogadad pirveli instanciiT, saqme gadawyvetilia bankis sasargeblod, vimedovnebT, saapelacio sasamarTloc igive azrs gaiziarebs. saapelacioSi saqme dasrulda morigebiT da ifareba grafikis mixedviT. (baTumi) 37 banki_ mopasuxe revaz CelebaZe, qobuleTis raionul sasamarTloSi aseve Setanilia gancxadeba davalianebis gadaxdis Sesaxeb, sadao Tanxaa 26 465 aSS dolari. gadaxdis brZaneba gamoica, magram mopasuxes jer ver bardeba, radgan ar imyofeba saqarTveloSi. 38 banki – avqofaSvili vaJa - gadauxdeli kreditis 4031 aSS dolaris dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 25.07.2003. saqme dasrulda morigebiT. movalem daarRvia morigebis pirobebi. amowerilia saaRsrulebo furceli da mimdinareobs aRsrulebis procesi. (rusTavi) 39 banki – maxir da valaT sadikovebi. sasarCelo moTxovna – 13988,84 aSS dolari, sax. baJi 636 lari. sarCeli Setanilia gardabnis raionul sasamarTloSi 28.04.06. saqme dasrulda morigebiT (12.07.06) da ifareba Sesabamisad. (rusTavi) 40 banki – qitiaSvili. gadauxdeli kreditis 27009 laris dabruneba da ipoTekiT datvirTuli qonebis realizacia. procesi jer ar CaniSnula. bankis pozicia myaria, wardgenilia yvela mtkicebuleba. (gurjaani); 41 avTandil diakoniZe (mosarCele) - banki (mopasuxe). Tanxis gadaxda 59000 aSS dolari, 3000 lari a. diakoniZem mimarTa sasamarTlos da moiTxova mis saxelze Caricxuli Tanxis dabruneba, rac bankis mier gaica TiTqosda sxva pirovnebaze. saqmis warmoeba SeCerebulia sisxlis samarTlis saqmis gamoZiebamde. sasamarTloSi sarCelis Setanis TariRia 10.06.03w. saqmis ganxilva jer ar ganaxlebula. diakoniZe eWvmitanilia da imaleba. saqme rodis ganaxldeba ucnobia. (quTaisi) 42 banki – anzor jaSi – gadauxdeli kreditis 1647AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 25. 06.2002. saqme dasrulda morigebiT. morigebis piroba sruldeba. (quTaisi) 43 banki – xaoiani qsovilebis fabrika - gadauxdeli kreditis 89755 larisa dabrunebisa da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 04.02.2005. pirvel instanciaSi da saapelacioSi dava dasrulda bankis mogebiT. saapelacio sasamarTlos gadawyvetileba gasaCivrda da saqme gadagzavnilia sakasacio sasamarTloSi. bankis pozicia myaria. sakasacio sasamarTlom mopasuxis kasacia ar daakmayofila, amJamad gamoTxovilia saaRsrulebo furceli, miRebisTanave daiwyeba aRsruleba. (quTaisi) 44 banki – oleg svintraZe-xaoiani qsovilebis fabrika - gadauxdeli kreditis 11666 aSS dolaris dabruneba. sarCeli Setanilia 04.02.2005. pirvel instanciaSi da saapelacioSi dava dasrulda bankis mogebiT. saapelacio sasamarTlos gadawyvetileba gasaCivrda da saqme gadagzavnilia sakasacio sasamarTloSi. bankis pozicia myaria.



sakasacio sasamarTlom mopasuxis kasacia ar daakmayofila, amJamad gamoTxovilia saaRsrulebo furceli, miRebisTanave daiwyeba aRsruleba. (quTaisi) 45 banki – amiran SaTiriSvili - gadauxdeli kreditis 20295 aSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 18.02.2005. procesi dasrulda morigebiT. morigebis pirobebis darRvevis gamo amoiwera saaRsrulebo furceli. saqme gadacemulia aRsrulebaze. auqcionis Catareba Seferxda amiran SaTiriSvilis gardacvalebis gamo. miRweulia SeTanxmeba partniorebTan valis dafarvaze, winaaRmdeg SemTxvevaSi moxdeba ipoTekiT datvirTuli saxlebis realizacia. bankis pozicia myaria. (quTaisi) 46 banki – Sps `imedi~ - gadauxdeli kreditis 45774 aSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 09.06.2005. procesi dasrulda morigebiT. dafarva mimdinareobs grafikis Sesabamisad. (quTaisi) 47 banki - Sps `bomondi~ - gadauxdeli kreditis 322 584 evrosa dabruneba da ipoTekiT datvirTuli qonebis realizacia. sarCeli Setanilia 08/08.05. procesi dasrulda morigebiT. ifareba grafikis Sesabamisad. (quTaisi) 48 banki - boboxiZe, boboxiZe, kikvaZe moTxovnis odenoba 17347 lari. 2004 wlis 20 maiss gamotanili iqna dauswrebeli gadawyvetileba, sarCeli dakmayofilda, daekisra gela boboxiZes gadasaxdelad 17347 lari. 09.12.2004 w. aRebuli iqna saaRsrulebo furceli. ifareba morigebis mixedviT, yovelTviurad Semoaqvs 300 lari. (quTaisi) 49 banki – eliza xarabaZe moTxovnis odenoba Seadgens 3712,5 lars. morigebis grafikis darRvevis gamo 2006 wlis 1 maiss iZulebiT gamosaxlebis saqme gadaegzavna saaRsrulebo biuros. amJamad realizacia SeCerebulia vinaidan faravs S

Mmuxli 4. sakiTxebis gatana aqcionerTa saerTo krebaze 2006 wlis 3 maisis aqcionerTa saerTo krebaze gatanili sakiTxebi.

1. bankis 2005 wlis auditirebuli finansuri angariSebis damtkicebis Sesaxeb; krebis Tavmjdomarem dRis wesrigis pirveli sakiTxi, auditoruli kompaniis “Ernst & Young Audit LLC”-s wliuri angariSi krebis mier dasamtkiceblad daayena kenWisyraze. gadawyvetileba wliuri angariSis Semowmebis Sesaxeb damtkicda erTxmad.



2. 2005 wlis saqmianobis Sesaxeb bankis direqtoratis angariSis damtkiceba;

ss ,,saqarTvelos bankis” generalurma direqtorma batonma lado gurgeniZem aqcionerebs gaacno gasuli 2005 wlis ganmavlobaSi ss “saqarTvelos banki”-s warmatebuli saqmianobis Sedegebi da damswre sazogadoebas acnoba, rom evropis rekonstruqciisa da ganviTarebis bankma ss “saqarTvelos bankSi” misi kuTvnili aqciebi gayida. es aqciebi iyida Svidma sakmaod cnobilma sainvesticio fondma da amgvarad ss “saqarTvelos banki” dReis mdgomareobiT aris erTaderTi banki saqarTveloSi romelsac hyavs TxuTmeti msxvili ucxoeli aqcioneri. moxsenebis bolos ss “saqarTvelos banki”-s generalurma direqtorma aqcionerTa krebas ganucxada rom bankis direqtoratma 2005 wlis warmatebuli Sedegebidan gamomdinare gadawyvita aqcionerebisTvis dividendebis gacema 1 (erT)aqciaze 0.05 laris odenobiT. krebis Tavmjdomarem batonma tariel gvaliam sameTvalyureo sabWos saxeliT bankis direqtorats gadauxada madloba gaweuli samuSaosTvis da kenWisyraze daayena dRis wesrigis meore sakiTxi, 2005 wlis saqmianobis Sesaxeb bankis direqtoratis angariSis damtkicebis Sesaxeb. gadawyvetileba 2005 wlis saqmianobis Sedgebis Sesaxeb direqtoratis angariSis damtkicebis Taobaze miRebul iqna erTxmad.

3. dividendebis ganawilebis Sesaxeb; krebis Tavmjdomarem, batonma tariel gvaliam ganacxada rom gadawyvetileba dividendebis gacemasTan dakavSirebiT miRebul iqna erToblivad rogorc ss “saqarTvelos banki”-s direqtorTa sabWos, aseve sameTvalyureo sabWos mier. krebis Tavmjdomarem aqcionerebs Seaxsena rom 2004 wels bankma, zaralis gamo ver SeZlo dividendebis gacema, magram 2005 wlis finansuri Sedegebidan gamomdinare gadawyda dividendebis gacema erT aqciaze 0.05 laris odenobiT. amasTan, dividendebs miiReben is aqcionerebi, romlebic aqciebs floben 2006 wlis 31 maisis (dividendebis saaRricxvo TariRi) mdgomareobiT, xolo dividendebis gacema moxdeba 2006 wlis 5 ivnisidan (dividendebis gacemis dawyebis TariRi). krebis Tavmjdomarem, kenWisyraze dasamtkiceblad daayena dRis wesrigis mesame sakiTxi, dividendebis gacemis Sesaxeb zemoaRniSnuli pirobebiT. sakiTxi dividendebis ganawilebis Sesaxeb damswre xmaTa umravlesobiT damtkicebul iqna aqcionerTa krebis mier zemoT aRniSnuli pirobebiT.

4. cvlilebebis Sesaxeb bankis sameTvalyureo sabWoSi; krebis Tavmjdomarem aqcionerebs moaxsena rom bankma miiRo batoni kestutis sasnauskasis, iuri mostovois da endriu ostaSevskis ganacxadebi sameTvalyureo sabWos wevrobidan gadadgomis Sesaxeb. krebis Tavmjdomarem damswre sazogadoebas ganumarta rom batoni kestutis sasnauskasi sameTvalyureo sabWoSi warmoadgenda East Capital-s da mas Secvlis batoni jirki TalviTie rogorc East Capital-is warmomadgeneli sameTvalyureo sabWos wevrad krebis mier misi arCevis SemTxvevaSi, baton iuri mostovois sameTvalyureo sabWoSi Secvlis batoni martin masari krebis mier misi arCevisas, xolo rac Seexeba baton endriu ostaSevskis, igi warmoadgenda evropis rekonstruqciisa da ganviTarebis banks (ergb) da vinaidan ergb-m gayida ss ,,saqarTvelos bankis” Tavisi kuTvnili aqciebi, Sesabamisad batoni endriu ostaSevski gadadga sameTvalyureo sabWos wevrobidan. krebis Tavmjdomarem, batonma tariel gvaliam aqcionerebs warudgina batoni lado gurgeniZis sameTvalyureo sabWoSi arCevis winadadeba im mizniT, rom igi Semdeg arCeuli iqneba bankis sameTvalyureo sabWos Tavmjdomared, sameTvalyureo sabWos wevrebis mier. man acnoba aqcionerTa krebas rom ss “saqarTvelos banki”-s ganviTarebam miaRwia iseT wertils



rodesac sameTvalyureo sabWoSi saWiro gaxda batoni lado gurgeniZis aqtiuroba, raTa man gauwios koordinacia ss “saqarTvelos banki”-s kuTvnil kompaniebs bankis Semdgomi zrdisa da ganviTarebis mizniT. gadawyvetileba miRebuli iqna erTxmad.

5. bankis sameTvalyureo sabWos Tavmjdomaris anazRaurebis Sesaxeb; krebis Tavmjdomarem aqcionerebs moaxsena rom batoni lado gurgeniZis anazRaureba SeTanxmebuli iyo sameTvalyureo sabWosTan rodesac igi moiwveuli iqna bankis generaluri direqtoris Tanamdebobaze. man aseve aRniSna rom miuxedavad imisa, rom batoni lado sameTvalyureo sabWoSia arCeuli, im mizniT rom mas SeTavazebuli eqneba Tavmjdomareoba, misi funqciebi, uflebebi da pasuxismgebloba amiT ufro izrdeba, sameTvalyureo sabWos winadadebaa rom batoni lado gurgeniZis anazRaureba damtkicdes imave odenobiT da pirobebiT, rac gansazRvrulia mis “sasamsaxuro xelSekrulebaSi”, rac dadebulia 2004 wlis 20 agvistos. gadawyvetileba miRebuli iqna erTxmad.

6. ss “saqarTvelos banki”-s wesdebaSi cvlilebebis Setanis Sesaxeb. krebis Tavmjdomarem aqcionerebs moaxsena rom ss “saqarTvelos banki”-s moqmedi wesdebis mixedviT evropis rekonstruqciisa da ganviTarebis banks (ergb) gaaCnda gansakuTrebuli uflebebi wesdebis 8.10 da 8.18 punqtebis mixedviT da vinaidan ergb gavida ss “saqarTvelos banki”-s aqcionerTa Semadgenlobidan aqciebis gasxvisebis Sedegad, Sesabamisad wesdebaSi Sesatania Semdegi cvlilebebi: 2006 wlis 6 noemberi aqcionerTa saerTo krebis krebaze gatanili sakiTxebi : 1) ss “saqarTvelos bankis” direqtoratisa da sameTvalyureo moxseneba bankis samomavlo gegmebsa da strategiasTan dakavSirebiT “saqarTvelos bankis” sameTvalyureo sabWosa da direqtoratis winadadebebi bankis samomavlo gegmebisa da strategiis (maT Soris depozitaruli xelwerilebis londonis safondo birJaze ganTavsebisa da savaWrod daSvebis, da bankis Svilobili kompaniis (Black Sea Financial Holdings) dafuZnebis) Sesaxeb mowonebul iqna erTxmad - 15,595,284 xmiT. 2) ss “saqarTvelos bankis” sameTvalyureo sabWos wevrTa Semcireba 5 (xuT) wevramde dasameTvalyureo sabWos SemadgenlobaSi cvlilebebis Setana gadawyvetileba ss “saqarTvelos bankis” sameTvalyureo sabWos 5 wevramde Semcirebisa da wesdebaSi Sesabamisi cvlilebis Setanis Taobaze miRebul iqna erTxmad - 15,595,284 xmiT. gadawyvetileba b-n viqtor gelovanis sameTvalyureo sabWodan gasvlis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT. gadawyvetileba b-n martin masaris sameTvalyureo sabWodan gasvlis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT. gadawyvetilebas b-n tariel gvalias sameTvalyureo sabWodan gamowvevis Sesaxeb mxari dauWira 41-ma aqcionerma, saerTo jamSi 15,210,875 xma, rac Seadgenda damswre aqcionerTa xmebis 97.54 %-s, winaaRmdeg wavida erTi aqcioneri saerTo jamSi 147,409 xma, rac Seadgenda damswre aqcionerebis 0.95%-s. kenWisyraSi monawileoba ar miuRia erT aqcioners, saerTo jamSi 237,000 xma. Sesabamisad, zemoaRniSnuli gadawyvetileba miRebul iqna aqcionerTa krebis mier. krebis Tavmjdomarem, vladimer gurgeniZem aqcionerebs auwya sameTvalyureo sabWos rekomendacia baton tariel gvalias sameTvalyureo sabWodan gamowvevis Sesaxeb. aRniSnul rekomendacias safuZvlad daedo is faqti, rom s.s. “saqarTvelos bankis” depozitaruli xelwerilebis londonis safondo birJaze ganTavsebasa da savaWrod daSvebasTan



dakavSirebiT saerTaSoriso praqtikaSi miRebul da mizanSewonil praqtikas warmoadgens (ris Taobazec bankis mier miRebul iqna saerTaSoriso mrCevlebis rekomendaciebi) bankis sameTvalyureo sabWos dakompleqteba saerTaSoriso gamocdilebisa da praqtikis mqone, maRali saerTaSoriso reputaciis mqone wevrebiT. krebis Tavmjdomarem kidev erTxel gausva xazi b-n viqtor gelovanis, tariel gvaliasa da martin masaris damsaxurebas s.s. “saqarTvelos bankisa” da misi aqcionerebis winaSe da sameTvalyureo sabWosa da aqcionerebis saxeliT madloba gadauxada maT. amasTan b-ma gurgeniZem aqcionerebs acnoba, rom sameTvalyureo sabWos mier miRebul iqna gadawyvetileba eSuamdgomla saerTo krebis winaSe b-n tariel gvaliasa da martin masarisaTvis gaweuli SromisaTvis garkveuli gasamrjelos gadaxdis Taobaze. aqcionerebma mxari dauWires gadawyvetilebas b-n nikoloz enuqiZis (saerTo jamSi 7,754,628 xmiT) da b-n alan hirstis (saerTo jamSi 7,591,449 xmiT) sameTvalyureo sabWoSi arCevis Sesaxeb. Sesabamisad, zemoaRniSnuli gadawyvetileba b-n nikoloz enuqiZisa da b-n alan hirstis sameTvalyureo sabWoSi arCevis Sesaxeb miRebul iqna aqcionerTa krebis mier. 3) sameTvalyureo sabWos wevrTa anazRaurebis Sesaxeb nikoloz enuqiZis anazRaurebisa da Sesabamisi xelSekrulebis gaformebis Sesaxeb, da aseve b-n alan hirstis kompensaciis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT. 4) ss “saqarTvelos bankis” sarevizio komisiis SemadgenlobaSi cvlilebebis Setana da sarevizio komisiis wevrTa anazRaurebis damtkiceba gadawyvetileba b-n Temur xorxomeliZisa da q-n mariam meRvineTuxucesis sarevizio komisiis Semadgelobidan gamosvlis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT. gadawyvetileba b-n dimitri qemokliZisa da q-n viqtoria Stormis sarevizio komisiis wevrebad arCevis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT gadawyvetileba sarevizio komisiis TiToeuli wevris anazRaurebis Sesaxeb miRebuli iqna erTxmad - 15,595,284 xmiT. 5) nebadarTuli kapitalis formiT ss “saqarTvelos bankis” aqciebis gamocema da amgvar aqciebze upiratesi Sesyidvis uflebis gauqmeba dRiTidRe izrdeba im pirTa raodenoba, romelTac surT s.s. “saqarTvelos bankis” aqciebis SeZena. amasTanave, bankis Semdgomi zrdisa da ganviTarebisaTvis, mizanSewonilia bankis axali Cveulebrivi aqciebis gamoSveba nebadarTuli kapitalis formiT. axali aqciebis gamocema gamiznulia damatebiTi kapitalis mosazidad erovnuli bankis normativebTan Sesabamisobis uzrunvelsayofad, bankis sakredito portfelis Semdgomi zrdisaTvis, s.s. “saqarTvelos bankis” mier Semdgomi Sesyidvebis gansaxorcieleblad, bankis TanamSromelTa sakompensaciod da agreTve dRis wesrigis pirveli sakiTxad ganxiluli sxva miznebisaTvis (maT Soris, “saqarTvelos bankis” depozitaruli xelwerilebis londonis safondo birJaze dasaSvebad). aqcionerTa krebis mowvevis Sesaxeb gancxadebis gamoqveynebisas, sul SemoTavazebul iqna nebadarTuli kapitalis formiT 7,127,210 (Svidi milion as ocdaSvidi aTas oras aTi) axali Cveulebrivi aqciis gamocema, rac gulisxmobda kanoniT gaTvaliswinebuli maqsimaluri raodenobis aqciaTa gamocemas nebadarTuli formiT. aRniSnuli gaangariSeba SeTavazebul iqna im gaTvliT, rom saerTo krebis Catarebis TariRisaTvis (2006 wlis 6 noembrisaTvis) gamocemuli iqneboda 2005 wlis 22 dekembris aqcionerTa saerTo krebis (oqmi #23) mier damtkicebuli nebadarTuli aqciebis damatebiTi raodenoba. vinaidan, amgvari damatebiTi raodenoba ar iqna gamocemuli, amdenad kanonis moTxovnaTa Sesabamisad s.s. “saqarTvelos banki” uflebamosilia nebadarTuli kapitalis formiT damatebiT gamosces 5,552,210 (xuTi milion xuTas ormocdaTormeti aTas oras aTi) aqcia, romelic gamiznuli iqneba damatebiTi kapitalis mosazidad erovnuli bankis normativebTan Sesabamisobis uzrunvelsayofad, bankis sakredito portfelis Semdgomi zrdisaTvis, ss “saqarTvelos bankis” mier Semdgomi Sesyidvebis gansaxorcieleblad da ganxiluli sxva miznebisaTvis (maT Soris, “saqarTvelos bankis” depozitaruli xelwerilebis londonis safondo birJaze dasaSvebad). im SemTxvevaSi, Tu nebadarTuli kapitalis formiT gamocemuli 5,552,210 aqcia srulad ar iqna gamoyenebuli zemoaRniSnuli miznebisaTvis,



sameTvalyureo sabWos gadawyvetilebis safuZvelze, aRniSnuli raodenobidan SesaZlebeli iqneba araumetes 500,000 (xuTasi aTasi) Cveulebrivi aqciis emisia TanamSromelTa sabonuse sistemis farglebSi aqciebis gasacemad. gadawyvetileba nebadarTuli kapitalis formiT 5,552,210 (xuTi milion xuTas ormocdaTormeti aTas oras aTi) axali Cveulebrivi aqciis gamocemis Taobaze miRebuli iqna erTxmad - 15,595,284 xmiT. 6) ss “saqarTvelos banki”-s wesdebaSi cvlilebebis Setanis Sesaxeb s.s. “saqarTvelos bankis” gancxadebuli kapitali Seadgina 25,335,619 (ocdaxuTi milion samas ocdaTxuTmeti aTas eqvsas cxrameti) lari, anu 25,335,619 (ocdaxuTi milion samas ocdaTxuTmeti aTas eqvsas cxrameti) aqcia. aRniSnuli saaqcio kapitalidan: - aqcionerTa saerTo krebis Catarebis dRisaTvis (2006 wlis 6 noembrisaTvis) gamocemulia 16,890,413 (Teqvsmeti milion rvaas oTxmocdaaTi aTas oTxas cameti) aqcia;

- nebadarTuli kapitalis formiT SesaZlebeli iqneba 8,445,206 (rva milion oTxas ormocdaxuTi aTas oraseqvsi) aqciis gamocema. maT Soris:

o 2,892,996 (ori milion rvaas oTxmocdaTormeti aTas cxraas oTxmocdaTeqvsmeti) aqciis gamocema SesaZlebeli iqneba 2005 wlis 22 dekembris aqcionerTa saerTo krebis (oqmi #23) gadawyvetilebis Sesabamisad; xolo

o 5,552,210 (xuTi milion xuTas ormocdaTormeti aTas oras aTi) aqciis gamocema SesaZlebeli iqneba aqcionerTa am krebis mier Sesabamisi gadawyvetilebis miRebidan momdevno 5 (xuTi) wlis ganmavlobaSi kanoniT gaTvaliswinebuli wesiT. gadawyvetileba s.s. “saqarTvelos bankis” wesdebaSi cvlilebebis Setanisa da wesdebis axali redaqciis damtkicebis Taobaze miRebuli iqna erTxmad - 15,595,284 xmiT.

Tavi 2. finansuri informacia, auditoris Secvla

muxli 5. sawarmos fasiani qaRaldebiT vaWroba ss `saqarTvelos bankis~ aqciebiT vaWroba mimdinareobs saqarTvelos safondo birJaze, 2006 wlis noembridan londonis safondo birJaze. 2005 da 2006 wlebs ganmavlobaSi, saqarTvelos safondo birJaze ss `saqarTvelos bankis~ aqciebiT vaWrobis Sedegebi:

2006 weli I kvartali II kvartali III kvartali IV kvartali Mmaqsimaluri fasi 10 lari 13.25 lari 19.1 lari 35.5 lari Mminimaluri fasi 6 lari 10 lari 12.93 lari 7.39 lari

2005 weli I kvartali II kvartali III kvartali IV kvartali Mmaqsimaluri fasi 6.38 lari 7 lari 6.78 lari 9 lari Mminimaluri fasi 5.55 lari 6.2 lari 6.48 lari 6.80 lari

2006 wlebs ganmavlobaSi, londonis safondo birJaze ss `saqarTvelos bankis~ aqciebiT vaWrobis Sedegebi:

2006 weli IV kvartali Mmaqsimaluri fasi 23 aSS dolari Mminimaluri fasi 15.15 aSS dolari



muxli 6. SerCeuli finansuri informacia cxrilSi warmodgenilia jgufi `saqarTvelos bankis~ finansuri Sedegebi da maCveneblebi xuTwlian dinamikaSi. K(aTas larebSi)

s a b a l a n s o u w y i s e b i 2005 2004 2003 2002

aqtivebi fuli da fuladi ekvivalentebi 57,236 102,747 43,626 33,867 moTxovnebi sakredito dawesebulebebis mimarT 33,398 25,585 16,117 13,497 momxmareblebze gacemuli sesxebi, wminda 297,376 169,868 141,780 97,695 wminda investicia finansur ijaraSi 4,314 598 – investiciebi fasian qaRaldebSi: - vaWrobisaTvis gankuTvnili fasiani qaRaldebi 8,327 19,628 1,742 445 - dafarvis vadamde flobili 2,280 – – 9,395 ZiriTadi saSualebebi, wminda 35,815 27,159 20,024 15,893 aramaterialuri aqtivebi, wminda 7,685 6,286 2,025 2,380 aqtivebi mogebis gadasaxadis saxiT 2,570 3,407 – 0 winaswari gadaxdebi 455 157 – sxva aqtivebi 11,114 7,737 4,808 3,533 sul aqtivebi 460,570 363,172 230,122 176,705

valdebulebebi valdebulebebi sakredito dawesebulebebis mimarT 78,873 48,334 50,237 30,829 valdebulebebi meanabreTa mimarT 269,952 252,129 123,573 98,206 sasesxo valdebulebis saxiT gamoSvebuli fasiani

qaRaldebi 1,143 –

mogebis gadasaxadis valdebulebebi 2,087 203 771 51 rezervebi SesaZlo danakargebze 975 971 472 142 sxva valdebulebebi 16,078 6,075 428 847 sul valdebulebebi 369,108 307,712 175,481 130,075

kapitali sawesdebo kapitali 14,729 11,273 9,856 9,856 saemisio kapitali 32,922 13,376 4,530 4,530 gamosyiduli sakuTari aqciebi (81) (73) – gaunawilebeli mogeba 37,427 23,911 24,930 17,879 sxva rezervi 5,369 5,492 15,325 14,365 sul saaqcio kapitali 90,366 53,979 54,641 46,630

Svilobili kompaniebis wili 1,096 1,481 – sul kapitali 91,462 55,460 54,641 46,630 sul valdebulebebi da kapitali 460,570 363,172 230,122 176,705



mogeba-zarali uwyisi 2005 2004 2003 2002

saprocento Semosavali gacemuli sesxebi 47,247 31,432 30,004 23,195 sasesxo valdebulebebis saxiT gamoSvebuli fasiani

qaRaldebi 2,664 1,654 2,295 1,924 moTxovnebi sakredito dawesebulebebis mimarT 1,525 672 – wminda investiciebi finansur ijaraSi 396 – –

51,832 33,758 32,299 25,119 saprocento xarji

valdebulebebi meanabreTa mimarT 9,162 6,819 5,347 4,648 valdebulebebi sakredito dawesebulebebis mimarT 3,893 3,100 2,533 2,536 sasesxo valdebulebebis saxit gamoSvebuli fasiani

qaRaldebi 26 – –

13,081 9,919 7,880 7,184 wminda saprocento Semosavali 38,751 23,839 24,419 17,935 saprocento Semosavlis mqone aqtivebis gaufasureba 6,228 20,511 4,105 951

wminda saprocento Semosavali saprocento Semosavlis mqone aqtivebis gaufasurebidan 32,523 3,328 20,314 16,984

sakomisio Semosavali 16,753 13,059 11,751 7,759 sakomisio xarjebi (2,385) (2,745) (2,895) (2,842) wminda sakomisio Semosavali 14,368 10,314 8,856 4,917 ucxouri valutidan miRebul mogebas gamoklebuli zarali:

- savaWro operaciebidan 5,379 5,631 4,640 3,141 - sakurso sxvaobebidan 1,128 (783) (772) -559

miRebuli wminda sadazRvevo premia 4,028 – – sxva saoperacio Semosavali 566 152 42 1,147 sxva arasaprocento Semosavali 11,101 5,000 3,910 8,646 xelfasebi da TanamSromelTa sxva sargebeli 23,219 12,896 9,060 7,731 administraciuli xarjebi 10,883 9,372 8,006 7,479 cveTa, amortizacia da gaufasureba 4,230 2,609 2,231 1,403 wminda sadazRvevo moTxovnebi 786 – – sxva gaufasureba da rezervi 280 1,559 1,493 522 sxva saoperacio xarjebi 1,860 336 705 sxva arasaprocento xarji 41,257 26,772 21,495 17,135 mogeba/zarali mogebis gadasaxadiT dabegvramde 16,735 (8,130) 11,585 8,495 mogebis gadasaxadis xarji (sargebeli) 3,108 (781) 2,431 1,391 wlis wminda mogeba (zarali) 13,627 (7,349) 9,154 7,104



ganekuTvneba: - jgufis aqcionerebs 13,838 (7,349) 9,154 7,104 - umciresobis wils (211) – – 13,627 (7,349) 9,154 7,104 mogeba (zarali) wilis mixedviT: - ZiriTadi 1.138 (0.778) 0.929 0.72 - gazavebuli 1.138 (0.778) 0.929 0.72



muxli 7. mmarTveli organos mier sawarmos finansuri mdgomareobisa da saqmianobis Sedegebis mimoxilva

(ix.danarTi)

M muxli 8. sawamos mflobelobaSi arsebuli fasiani qaRaldebis sabazro riski 2006 wlis 31 dekembris mdgomareobiT ss `saqarTvelos bankis~ balansze iricxeba saqarTvelos erovnuli bankis sadepozito sertifikatebi (danarTi 1), samTavrobo kuponuri savalo fasiani qaRaldebi.: (danarTi 2 ) da savalo korporaciuli fasiani qaRaldebi. (danarTi 2)

muxli 9. finaasuri angariSebi (warmodgenili iqneba auditis dasrulebisTanave.) muxli 10. sawarmos mier SerCeuli auditoris Secvla. ss `saqarTvelos bankis~ 2006 wlis finansuri Sedegebis auditoruli Semowmeba ganaxorciela, saerTaSoriso auditorulma kompaniam èrnst end iang auditma~

Tavi 3. sawarmos mmarTveli organos wevrebi da aqciebis 5%-is an metis beneficiari mesakuTreebi

muxli 11. mmarTveli organos wevrebi da sxva mniSvnelovani Tanamdebobis pirebi lado gurgeniZe 2006 maisidan bankis sameTvalyureo sabWos Tavmjdomarea. batoni gurgeniZe iyo mmarTveli direqtori da regionuli mmarTveli, evropa `putnam lovel en-bi-ef-Si~ (Putnam Lovell NBF); es kompania aris wamyvani sainvesticio sabanko firma, romelic specializirdeba finansuri momsaxurebis seqtorze da aris sididiT meeqvse kanaduri bankis, kanadis erovnuli bankis Svilobili kompania. 2003 wlis ivlisSi `putnam lovel en-bi-ef-Si~ muSaobis dawyebamde, batoni gurgeniZe iyo sxvadasxva maRal Tanamdebobaze èi-bi-en amro qorforeiT fainensSi~ (ABN Amro Corporate Finance); igi xelmZRvanelobda teqnologiur korporatiul finansebs (2001-2002ww), Sesyidvebsa da Serwymebs, mzardi evropuli bazrebi (1998-2001ww). 1998 wels londonSi gadasvlamde, batoni gurgeniZe muSaobda èi-bi-en amro qorforeiT fainensis~ moskovisa da dsT-is qveynebis ofisis direqtorad. batoni gurgeniZe aris qarTuli warmoSobis britaneTis moqalaqe da mas aTwliani gamocdileba aqvs sainvesticio sabanko saqmianobaSi. batoni gurgeniZe daibada da gaizarda TbilisSi da aqve cxovrobda 1990 wels aSS-Si swavlis gasagrZeleblad wasvlamde. baton gurgeniZes bakalavris xarisxi Tbilisis saxelmwifo universitetSi da midelberis kolejSi aqvs miRebuli, xolo magistris xarisxi biznesis administrirebaSi emoris universitetis goizuetas biznes skolaSi. nikoloz enuqiZe 2006 wlis maisidan batoni enuqiZe bankSi aris sameTvalyureo sabWos mrCeveli, xolo 2006 wlis noemberidan sameTvalyureo sabWos wevri. bankSi mosvlamde batoni enuqiZe muSaobda mmarTvel direqtorad, korporatiuli finansebis dargSi `Concorde Capital~-Si. `Concorde Capital~ aris wamyvani ukrainuli sainvesticio sabanko firma. `Concorde Capital~-Si gadasvlamde batoni enuqiZe muSaobda direqtoris asistentad ÀBN Amro~-s londonis ofisSi. batoni enuqiZe ÀBN Amro~-s londonis ofisSi gadavida `Global One Communication~-dan, sadac igi ori wlis ganmavlobaSi muSaobda biznesis ganviTarebis ufros menejerad (restoni, virjiniis Stati, aSS). `Global One Communication~-Si gadasvlamde batoni enuqiZe



muSaobda `ABN Amro~-s moskovis ofisSi da specializirdeboda telekomunikaciebis seqtorze. jirki petteri TalviTie 2006 wlis maisidan batoni jirki bankSi aris sameTvalyureo sabWos wevri. bankSi mosvlamde muSaobda ist kapitali, stokholmi/moskovi, ufrosi mrCeveli, ufrosi warmomadgeneli 2005 URALSIB finansuri korporacia, saerTaSoriso biznesis ufrosi, moskovi 2003-2005, BNP Paribas, ufrosi vice-prezidenti, parizi, 2003-2003 niu iorkis banki, vice-prezidenti, londoni, 1997-2003 niu iorkis banki, vice-prezidenti, ufrosi warmomadgeneli, moskovi, 1995-1997skandinaviuri sabanko partniorebi, ufrosi warmomadgeneli, moskovi, 1993-1995 fineTis gaerTianebuli banki, vice-prezidenti, helsinki, 1992-1993 SKOPBANK, regionaluri menejeri, helsinki, 1990 alan hirstma `siTibankSi~ (Citibank) 1981 wels daiwyo muSaoba da 2005 wlis TebervalSi `siTigrufifan~ (Citigroup) wamosvlamde igi kurirebda bankis eqspansias centralur da aRmosavleT evropaSi. 1999-2004 wlebSi batoni hirsti cxovrobda moskovSi, sadac igi daxuruli saaqcio sazogadoeba `siTibankis~ (ruseTi) prezidenti iyo da agreTve rogorc mmarTveli direqtori saTaveSi edga bankis operaciebs dsT-Si. batoni hirsti saTaveSi edga bankis samomxmareblo sabanko da plastikuri baraTebis saqmianobis danergavs ruseTSi; igi agreTve uZRveboda bankis korporatiuli da sainvesticio sabanko saqmianobis rekapitalizaciasa da restruqturizacias. ruseTSi gadasvlamde batoni hirsti muSaobda sxvadasxva maRal Tanamdebobebze `siTigrufSi~ (Citigroup), maT Soris, departamentis direqtorad, sadac igi zedamxedvelobda korporatiul da sainvesticio sabanko saqmianobas axlo aRmosavleTSi, sparseTis yuris qveynebsa da indoeTSi; amasTanave batoni hirsti iyo departamentis direqtori da xelmZRvanelobda bankis filialebis qselis dafuZnebas centralur da aRmosavleT evropaSi. baton hirsts aqvs magistris xarisxi biznesis administrirebaSi texasis universitetidan. 2005 wlidan batoni hirsti aris araaRmasrulebeli direqtoris da aRmasrulebeli komitetis wevri `Financial Services Volunteer Corp~-Si, arakomerciul organizaciaSi, romlis saTao ofisic niu-iorkSi mdebareobs. aRniSnuli organizacia teqnikur daxmarebas uwevs mzardi bazrebis saxelmwifoebs da centralur bankebs. 2005 wlis agvistodan batoni hirsti aris araaRmasrulebeli direqtori `Phico Theurapeutics~-Si, bioteqnologiebis kompaniaSi, romelis saTao ofisic gaerTianebul samefoSia. 2006 wlis Tebervlidan batoni hirsti aris araaRmasrulebeli direqtori `RosBank~-Si, am bankSi igi agreTve aris sarevizio komisiis Tavmjdomare, sakompensacio komitetis wevri da strategiuli komitetis wevri. ian heigi aris faiarber menejment el-el-si-Si, (sainvesticio firma romelic moRvaweobs yofili sabWoTa kavSiris da aRmosavleT evropis bazrebze) faiarber fondis, faiarberd niu raSa fondis da faiarber rifabliq fondis mmarTveli menejeris moadgile. faiarberdSi misvlmde iani muSaobda gaerTianebuli erebis samdivnoSi. man daamTavra vestlis universiteti (bakalavris wodeba), aqvs magistris wodeba saerTaSoriso politikis sakiTxebSi (montereis instituti) da sadiplomo naSromi gakeTa kolumbiis universitetis harimanis institutSi. iani aris saqarTvelos bankis (Tbilisi), es-di-em bankis (moskovi) da global goldis (aSS) sabWos wevri. igi flobs rusul da frangul enebs. irakli gilauri 2006 wlis maisidan bankis generaluri direqtoria. `saqarTvelos bankSi~ mosvlamde batoni gilauri xuTi wlis ganmavlobaSi ergb-is Tbilisisa da londonis ofisebSi muSaobda bankirad. man daiwyo da ganaxorciela 20 garigebaze meti saqarTvelosa da dsT-is qveynebis sxvadasxva seqtorSi, sabanko seqtoris CaTvliT. aRniSnulidan eqvsi garigeba ergb-is proeqti iyo da saaqcio kapitalSi ganxorcielebuli investiciebis moculoba 22 milion aSS dolars aRemateboda. 1994-1998 wlebSi irakli swavlobda limeriqis universitetSi, irlandiis respublikaSi da miRebuli aqvs bakalavris xarisxi biznesSi: ekonomikda da finansebi. 2003 wels batonma gilaurma gaimarjva britaneTis sakonsulos prestiJul Civeningis konkursSi, riTac mas SesaZlebloba mieca eswavla siTis universitetis qaasis biznes skolaSi. aq man miiRo biznesis administrirebis xarisxi sabanko saqmianobasa da saerTaSoriso finansebSi.



sulxan gvalia 2005 wlis ianvridan moyolebuli bankis generaluri direqtoris moadgilea da igi sakredito da aqtivebis amoRebis marTvas xelmZRvanelobs. bankSi muSaobis dawyebamde, batoni gvalia `Tbiluniversalbankis~ direqtorTa sabWos Tavmjdomaris moadgile iyo. bankma `Tub-i~ 2004 wlis noemberSi Seisyida. komerciul sabanko seqtorSi saqmianobis aTi wlis ganmavlobaSi batoni gvalia xelmZRvanelobda sxvadasxva departaments `TbiluniversalbankSi~ da igi specializirdeboda sesxebis Sefasebaze, saqmianobis ganviTarebasa da saerTaSoriso safinanso institutebTan urTierTobebze. ramaz kukulaZe 2006 wlis ianvridan ramaz kukulaZe aris generaluri direqtoris moadgile da mas eqvemdebareba korporatiuli da sainvesticio sabanko saqmianobis departamenti. am Tanamdebobaze daniSvnamde batoni kukulaZe iyo bi-si-ai-s generaluri direqtori da am kompaniis erT-erTi damfuZnebeli. bi-si-ai-s dafuZnebamde batoni kukulaZe iyo proeqtebis daxmarebis sakonsultacio firmis mmarTveli direqtori. igi aseve muSaobda sxvadasxva wamyvan Tanamdebobebze absolut banksa da Tbilkredit bankSi. batonma kukulaZem daamTavra i-es-em-is universitetis sabanko akademia. miniWebuli aqvs Tbilisis saxelmwifo universitetis bakalavris wodeba ekonomikaSi, kerZod sabanko da safinanso saqmianobaSi.

muxli 13. pirebi, romlebic saerTo krebaze xmaTa 5%-s an mets floben an akontroleb

tipi beneficiari mesakuTris saxeli, gvari da misamarTi sakuTrebaSi

arsebuli Tanxa

%

Cveulebrili BNY (NOMINEES) LIMITED 10,840,538 43.01%

Cveulebrili Bank Austria Creditanstalt AG 4,166,242 16.53%

Cveulebrili faiaberd avrora fand limiTid 1,463,682 5.81%

Cveulebrili faiaberd rifablik fand limiTid 1,430,145 5.67%

Cveulebrili East Capital Financial Institusions 1,366,306 5.42%

direqtorati Cveulebrili irakli gilauri – generaluri direqtoris 0 0.00%

Cveulebrili sulxan gvalia– generaluri direqtoris moadgile 224,000 0.89%

Cveulebrili ramaz kukulaZe – generaluri direqtoris moadgile 22,122 0.09%

sameTvalyureo sabWos wevrebi

Cveulebrili lado gurgeniZe – sameTvalyureo sabWos Tavmjdomare 376,244 1.49%

Cveulebrili

nikoloz enuqiZe – sameTvalyureo sabWos Tavmjdomaris moadgile

0 0.00%

Cveulebrili

jirki petteri TalviTie – sameTvalyureo sabWos wevri

0 0.00%

Cveulebrili alan hirsti – sameTvalyureo sabWos wevri 0 0.00%

Cveulebrili ian heigi _ sameTvalyureo sabWos wevri 0

muxli 12. sawarmos xelmZRvanelTa anazRaureba aRniSnuli informacia konfidencialuria da warmodgenilia (danarTis 3) saxiT.



muxli 14. dakavSirebuli mxareebi da urTierTobebi aRniSnul sakiTxTan dakavSirebiT warmosadgeni informacia ar gagvaCnia.

saqarTvelos erovnuli bankis sadepozito sertifikatebi

danarTi 1

TariRi 31-Dec-06

ganTavsebis TariRi

dafarvis TariRi

procenti nominaluri Rirebuleba

saangariSsworebo fasi

diskonti amortizire

buli diskonti

ara amortizirebuli diskonti

sabalanso rirebuleba

(1) (3) (4) (5) (6) (7) (8) (9) 30-Nov-06 5-Apr-07 12.00% 5,000,000 4,801,115 198,885 48,932 149,953 4,850,047 1-Dec-06 4-May-07 12.00% 5,000,000 4,759,049 240,951 46,939 194,013 4,805,987 4-Dec-06 4-Jan-07 12.00% 1,836,000 1,817,477 18,523 16,133 2,390 1,833,610 5-Dec-06 30-Jan-07 12.00% 5,000,000 4,909,609 90,391 41,967 48,424 4,951,576 6-Dec-06 7-Mar-07 12.00% 5,000,000 4,854,756 145,244 39,902 105,342 4,894,658 7-Dec-06 12-Apr-07 12.00% 4,800,000 4,609,071 190,929 36,367 154,562 4,645,438 8-Dec-06 11-May-07 12.00% 4,600,000 4,378,325 221,675 33,107 188,568 4,411,432 11-Dec-06 8-Jan-07 12.00% 2,014,000 1,995,629 18,371 13,122 5,249 2,008,751 12-Dec-06 6-Feb-07 12.00% 4,575,000 4,492,293 82,707 28,061 54,646 4,520,354 13-Dec-06 14-Mar-07 12.00% 4,176,000 4,054,692 121,308 23,995 97,313 4,078,687 14-Dec-06 19-Apr-07 12.00% 4,800,000 4,609,071 190,929 25,760 165,169 4,634,831 15-Dec-06 18-May-07 12.00% 4,900,000 4,663,868 236,132 24,533 211,599 4,688,401 18-Dec-06 15-Jan-07 12.00% 2,906,000 2,879,493 26,507 12,307 14,200 2,891,800 19-Dec-06 13-Feb-07 12.00% 4,690,000 4,605,214 84,786 18,169 66,618 4,623,382 20-Dec-06 21-Mar-07 12.00% 5,000,000 4,854,756 145,244 17,557 127,687 4,872,313



21-Dec-06 26-Apr-07 12.00% 5,000,000 4,801,115 198,885 15,784 183,100 4,816,900 22-Dec-06 25-May-07 12.00% 4,237,000 4,032,818 204,182 11,933 192,249 4,044,751 25-Dec-06 22-Jan-07 12.00% 193,000 191,240 1,760 377 1,383 191,617 25-Dec-06 8-Jan-07 11.00% 3,690,000 3,674,497 15,503 6,644 8,859 3,681,141 26-Dec-06 27-Mar-07 12.00% 12,600,000 12,233,986 366,014 20,111 345,903 12,254,097 26-Dec-06 9-Jan-07 11.00% 18,055,000 17,979,143 75,857 27,092 48,765 18,006,235 27-Dec-06 10-Jan-07 11.00% 10,416,000 10,372,238 43,762 12,504 31,259 10,384,741 27-Dec-06 24-Jan-07 12.00% 12,045,000 11,935,131 109,869 15,696 94,173 11,950,827 27-Dec-06 4-Jan-07 11.00% 928,000 925,768 2,232 1,116 1,116 926,884 28-Dec-06 25-Jan-07 12.00% 11,515,000 11,409,966 105,034 11,254 93,781 11,421,219

142,976,000

139,840,319

3,135,681

549,362

2,586,319 140,389,681

saqarTvelos erovnuli bankis sadepozito sertifikatebi

danarTi 2 TariRi 31-Dec-06

ganTavsebis TariRi dafarvis TariRi procenti nominaluri Rirebuleba

saangariSsworebo fasi

ara amortizirebuli

diskonti

sabalanso Rirebuleba

(1) (3) (4) (5) (6) (9) 8-Dec-06 15-Sep-07 13.00% 8,910,000 9,176,970 8,910,000

11-Dec-06 15-Dec-07 13.00% 9,930,000 10,238,321 9,930,000 13-Dec-06 15-Mar-08 13.00% 9,930,000 10,245,521 9,930,000 18-Dec-06 15-Jun-08 13.00% 10,000,000 10,010,667 10,000,000 20-Dec-06 15-Mar-09 15.00% 8,000,000 7,714,932 295,205 7,704,795

46,770,00 47,386,410

295,205 46,474,75

prokreditbankis savalo korporaciuli fasiani qaRaldebi

28-Dec-06 28-Dec-07 15.00% 5,000,000 4,347,800 646,839 4,353,161



lari/aSS dolaris gacvliTi kursi periodis bolos 1.71 2006 wlis meoTxe kvartlis saSualo lari/aSS dolaris gacvliTi kursi 1.73 2006 wlis saSualo lari/aSS dolaris gacvliTi kursi 1.78

(danarTi) ss `saqarTvelos banki~ 2006 wlis meoTxe kvartlis da 2006 wlis konsolidirebul

Sedegebs acxadebs

milioni, Tu sxvagvarad ar aris miTiTebuli IV kv, 2006 wliuri zrda 1 araauditirebuli lari aSS dolari `saqarTvelos banki~ (konsolidirebuli, IFRS) mTliani saoperacio Semosavali (Semosavali)2 40.2 23.4 106% saoperacio xarjebi 17.2 10.0 74% normalizebuli wminda saoperacio Semosavali3 23.0 13.4 139% mogeba bonusebamde 17.5 10.2 149% wminda mogeba 10.3 6.0 113% konsolidirebuli mogeba erT aqciaze (sabaziso), lari da aSS dolari4 0.55 0.32 milioni, Tu sxvagvarad ar aris miTiTebuli 2006 wliuri zrda 1 araauditirebuli lari aSS dolari `saqarTvelos banki~ (konsolidirebuli, IFRS) mTliani saoperacio Semosavali (Semosavali)2 111.1 64.8 75% saoperacio xarjebi 49.6 28.9 56% normalizebuli wminda saoperacio Semosavali3 61.5 35.9 94% mogeba bonusebamde 46.1 26.9 95% wminda mogeba 27.6 16.1 102% konsolidirebuli mogeba erT aqciaze (sabaziso), lari da aSS dolari 4 1.67 0.97 47% konsolidirebuli mogeba erT aqciaze (gazavebuli) lari da aSS dolari5 1.01 0.59 12% ukugeba saSualo aqtivebze6 3.5% ukugeba saSualo kapitalze7 17.1%



saqarTvelos wamyvanma universalurma bankma, ss `saqarTvelos bankma~ (LSE: BGEO; GSE: GEB) dRes 2006 wlis meoTxe kvartlis da 2006 wlis konsolidirebuli Sedegebi gamoacxada (saerTaSoriso finansuri angariSgebis standartebze (IFRS) dafuZnebuli, araauditirebuli, dafuZnebuli menejmentis angariSgebaze); bankis wminda mogebam 2006 wlis meoTxe kvartalSi 10.3 mln lari (wina welTan SedarebiT 113%-iT gaizarda) anu 0.55 lari erT aqciaze (wina welTan SedarebiT 2%-iT gaizarda) Seadgina. 2006 wlis mTliani wminda mogeba 27.6 mln lars (wina welTan SedarebiT 102%-iT gaizarda) anu 1.67 lars erT aqciaze (wina welTan SedarebiT 47%-iT gaizarda) gautolda. 2006 wlis meoTxe kvartlis mokle mimoxilva 2006 wlis meoTxe kvartalSi bankis normalizebuli wminda saoperacio Semosavali (ZiriTadi maCvenebeli, romelsac menejmenti afasebs) 139%-iT gaizarda da 23.0 mln lars gautolda. normalizebuli wminda saoperacio Semosavlis aseTi zrda gamowveulia wminda saprocento Semosavlis 26.2 mln laramde gazrdiT (wina welTan SedarebiT 122%-iT gaizarda) da wminda ara-saprocento Semosavlis 14.0 mln laramde (wina welTan SedarebiT 81%-iT gaizarda) gazrdiT. mogeba bonusebamde (kidev erTi mniSvnelovani maCvenebeli, romelsac menejmenti afasebs) wina welTan SedarebiT 149%-iT gaizarda da 2006 wlis meoTxe kvartalSi 17.5 mln lari Seadgina.

2006 wlis mokle mimoxilva 2006 wels bankis wminda mogebam 27.6 mln lari Seadgina da wina welTan SedarebiT 102%-iT gaizarda. Semosavali wina welTan SedarebiT 75%-iT gaizarda da 111.1 mln lars gautolda. Semosavlis zrda gamowveulia wminda saprocento Semosavlis 74%-iani zrdiT wina welTan SedarebiT da wminda ara-saprocento Semosavlis 76%-iani zrdiT wina welTan SedarebiT. Semosavlis zrda dabalansda mTliani saoperacio xarjebis 56%-iani zrdiT wina welTan SedarebiT 49.6 mln laramde. saoperacio leveraJis gaumjobesebis Sedegad normalizebuli wminda saoperacio Semosavali wina welTan SedarebiT 94%-iT gaizarda da 61.5 mln lars gautolda. mogeba bonusebamde wina welTan SedarebiT 95%-iT gaizarda da 46.1 mln lars gautolda, rac gamowveuli iyo wminda erTjeradi xarjebis SekavebiT da kreditis xarjis dabali zrdiT (2.9% 2006 wels da 2.5% 2005 wels). bankis ZiriTadi Svilobili kompaniebis, `bisiai~-sa da `galt & Taggart siqiuriTis~ wminda mogeba, Sesabamisad, 0.8 mln lars da 1.8 mln lars gautolda. 2006 wlis bolos bankis konsolidirebuli mTliani aqtivebi 1.2 miliard lars gautolda, wina welTan SedarebiT 169%-iT gaizarda; 2006 wlis oqtombridan moyolebuli bankma gadaaswro bazris yofil liders da gaxda umsxvilesi qarTuli banki mTliani aqtivebis mixedviT (agreTve mTliani sesxebisa da saaqcio kapitalis mixedviT). bankis mTliani sesxebi korporatiul klientebze, fizikur pirebsa da piradi bankiris momsaxurebis klientebze wina welTan SedarebiT, Sesabamisad, 129%-iT, 131%-iT da 172%-iT gaizarda 409.2 mln laramde, 281.6 mln laramde da 23.0 mln laramde. aRniSnuli sesxebis zrdam gamoiwvia klientebze gacemuli wminda sesxebis 137%-iT zrda 714.2 mln laramde. sabalanso uwyisis muxlebis aseTma zrdam gamoiwvia bankis sabazro wilis daaxloebiT 10%-iani zrda mTlian aqtivebSi da sabazro wilis daaxloebiT 8%-iani zrda mTlian sesxebSi; 2006 wlis bolos bankis sabazro

wili mTlian aqtivebSi daaxloebiT 28%-s gautolda, xolo mTlian sesxebSi daaxloebiT 27% Seadgina.1 bankis arasadepozito dafinansebis baza wina welTan SedarebiT 347%-iT gaizarda da 223.5 mln lari Seadgina 2006 wlis bolos. aRniSnuli maCvenebeli moicavs `Citigroup~-gan, `Merrill Lynch~-gan, `Thames River Capital~-gan, `HBK Investments~-gan da `World Business Capital~-gan mozidul sesxebs. klientebis depozitebi (wlis bolos 579.2 mln lars gautolda) wina welTan SedarebiT 115%-iT gaizarda; aRniSnulis Sedegad bankis sabazro wili mTliani depozitebis mixedviT 5.5%-iT gaizarda. mTeli wlis ganmavlobaSi bankis swrafi zrdis, agreTve saaqcio kapitalis zrdis, rac gamowveuli iyo 2006 wlis noemberSi bankis aqciebis globaluri depozitaruli xelwerilebis saxiT londonis safondo birJaze ganTavsebiT, Sedegad bankis ukugebam saSualo kapitalze 2006 wlis bolos 17.1% Seadgina, xolo ukugeba saSualo aqtivebze 3.5%-s gautolda. bankis erTi aqciis sabalanso Rirebuleba 2006 wlis bolos 14.8 lars gautolda da wina welTan SedarebiT 137%-iT gaizarda.

1 bazris Sesaxeb monacemebi efuZneba saqarTvelos erovnuli bankis mier gamoqveynebul informacias (www.nbg.gov.ge) da asaxavs bankebis mier saqarTvelos erovnuli bankisTvis miwodebul arakonsolidirebul finansur angariSgebas.

http://www.nbg.gov.ge



strategiuli biznes danayofebis mimoxilva korporatiuli da sainvesticio sabanko biznes danayofi Sedegebis mimoxilva gadanawilebuli Semosavali wina welTan SedarebiT 58%-iT gaizarda, rac gamowveuli iyo wminda saprocento Semosavlisa da wminda arasaprocento Semosavlis zrdiT. korporatiuli da sainvesticio sabanko biznes danayofis saoperacio leveraJi gaumjobesda imis fonze, rom gadanawilebuli xarji (wina welTan SedarebiT 13%-iT gaizarda, rac ZiriTadad gamowveulia damatebiTi kadrebis daqiravebiT da samuSaos Sesrulebaze dafuZnebuli kompensaciis gazrdiT) naklebi iyo gadanawilebul Semosavalze. wminda sesxebi wina welTan SedarebiT 133%-iT gaizarda da 394.2 mln lars gautolda. aRniSnuli gamowveuli iyo msxvil korporaciebze gacemuli sesxebis zrdiT da mcire da saSualo biznesebze gacemuli sesxebis portfelis zrdiT. klientebis depozitebi wina welTan SedarebiT 154%-iT gaizarda da 295.1 mln lars gautolda. ZiriTadi miRwevebi ß moigo tenderi Tbilisis municipalitetis angariSebis eqskluziur momsaxurebaze. gasul wels Tbilisis

municipalitetis biujetma daaxloebiT 470 mln lari Seadgina da amiT igi qveynis erT-erTi lideri korporatiuli/saxelmwifo klienti gaxda

ß daiwyo proeqtis àTaswleulis gamowveva saqarTvelo~ angariSis eqskluziuri momsaxureba. àTaswleulis gamowveva~ warmoadgens aSS-is mTavrobis mier struqturirebul daxmarebis programas, romlis farglebSic saqarTveloSi infrastruqturis gaumjobesebisa da reformebis xelSewyobisTvis daaxloebiT 300 mln aSS dolari aris gamoyofili xuTi wlis ganmavlobaSi

ß agrZelebda Tbilisis aeroportis terminalis proeqtis eqskluziur momsaxureobas da dafinansebas. aRniSnul proeqts axocrcielebs `tav urbani~, TurqeTis lideri aeroportebis operatori. 62 mln aSS dolaris Rirebulebis axali terminali 2007 wlis TebervalSi gaixsna.

ß 480-mde gazarda im korporatiuli klientebis raodenoba, romlebic bankis saxelfaso programis momsaxurebiT sargebloben. wlis bolos banki korporatiuli saxelfaso programebis meSveobiT momsaxurebas uwevda daaxloebiT 83,500 fizikur pirs

samomxmareblo sabanko saqmianobis biznes danayofi Sedegebis mimoxilva gadanawilebuli Semosavali wina welTan SedarebiT 74%-iT gaizarda, rac gamowveuli iyo wminda saprocento Semosavlis da wminda ara-saprocento Semosavlis zrdiT. samomxmareblo sabanko saqmianobis biznes danayofis saoperacio leveraJi gaumjobesda imis fonze, rom gadanawilebuli xarji (wina welTan SedarebiT 57%-iT gaizarda, rac ZiriTadad gamowveuli iyo filialebis qselis gafarToebisa da damatebiTi kadrebis daqiravebiT, agreTve samuSaos Sesrulebaze dafuZnebuli kompensaciis gazrdiT) naklebi iyo gadanawilebul Semosavalze. wminda sesxebi wina welTan SedarebiT 135%-iT gaizarda da 271.1 mln lari Seadgina. klientebis depozitebi wina welTan SedarebiT 43%-iT gaizarda da 205.7 mln lars gautolda, rac ZiriTadad gamowveuli iyo mimdinare angariSebze naSTebisa da moTxovnamde depozitebis zrdiT. ZiriTadi miRwevebi ß fizikuri pirebis mimdinare angariSebis raodenoba wlis dasawyisSi arsebuli 141,000-dan wlis bolos

415,000-mde gaizarda

ß daiwyo ramdenime mniSvnelovani klientebis mozidvis proeqtis ganxorcieleba. amgvar proeqtebs Soris aris erToblivi brendis mqone (co-branded) sadebeto baraTebis gamoSveba wamyvani farmacevtuli qselis mqone kompania àversTan~, `jeoselTan~ da wamyvani supermarketebis qselis mqone kompania `populTan~ erTad

ß filialebis (servis centrebis) raodenoba wlis dasawyisSi arsebuli 56-dan wlis bolos 99-mde gaizarda. aRniSnuli cifri moicavs ìnteleqtbankis~ aqtivebisa da pasivebis Sesyidvis Sedegad damatebul 11 filials da Tbilisis metros yvela sadgurSi gaxsnil axal 23 filials

ß sadebeto baraTebis raodenoba wlis dasawyisSi arsebuli 63,000-dan wlis bolos 285,000-mde gaizarda. agreTve farTovdeboda POS terminalebis qseli, maTma raodenobam wlis bolos 471 Seadgina. `jorjian qardis~ momsaxurebaSi arsebuli baraTebis raodenoba wlis dasawyisSi arsebuli 91,000-dan wlis bolos 370,000-mde gaizarda; `jorjian qardis~ mier avtorizebuli operaciebis raodenoba wina welTan SedarebiT 400%-iT gaizarda da daaxloebiT 8.0 mln Seadgina (2005 wels arsebul 1.6 milionTan SedarebiT)

ß grZeldeboda produqtebis gavrcelebis eleqtronul arxebSi investireba. wlis bolos bankomatebis raodenoba 124-mde gaizarda (wlis dasawyisSi arsebul 37-Tan SedarebiT). mobiluri sabanko



momsaxurebis momxmarebelTa raodenoba 13,700-mde gaizarda, xolo internet bankis registrirebul momxmarebelTa raodenoba wina welTan SedarebiT 776%-iT gaizarda da 37,377-s gautolda

ß daiwyo momentaluri ganvadebebis programa da wlis bolos samomxmareblo maRaziebSi 89 momsaxurebis wertili gaixsna. 2006 wels gacemuli momentaluri sesxebis moculobam 31.0 mln lari Seadgina, ris Sedegadac wlis bolos mdgomareobiT momentaluri sesxebis balansi 22.2 mln lars gautolda

ß 2006 wlis ganmavlobaSi gacemuli ipoTekuri sesxebis moculobam 51.6 mln lari Seadgina, ris Sedegadac wlis bolos mdgomareobiT ipoTekuri sesxebis balansi 64.5 mln lars gautolda (wina welTa SedarebiT 96%-iT gaizarda)

ß 2006 wlis ganmavlobaSi gacemuli saavtomobilo sesxebis moculobam 9.8 mln lari Seadgina, ris Sedegadac wlis bolos mdgomareobiT saavtomobilo sesxebis balansi 9.8 mln lars gautolda (wina welTan SedarebiT 250%-iT gaizarda)

ß wlis bolos daiwyo sakredito baraTebis emisia dazRveva Sedegebis mimoxilva bankis Svilobili sadazRvevo kompaniis `bisiai~-s damoukidebeli Semosavali wina welTan SedarebiT 44%-iT gaizarda, rac ZiriTadad gamowveuli iyo korporatiuli da samomxmareblo sadazRvevo saqmianobis zrdiT. damoukideblad `bisiai~-s jamuri mokrebili sadazRvevo premia wina welTan SedarebiT 28%-iT gaizarda da 10.1 mln lars gautolda. damoukideblad `bisiai~-s saoperacio xarjebma 4.1 mln lari Seadgina da wina welTan SedarebiT 37%-iT gaizarda. damoukideblad `bisiai~-s wminda gadaxdili zarali 2.0 mln lars gautolda (wina welTan SedarebiT 157%-iT gaizarda), ramac saqmianobis zrda asaxa. ZiriTadi miRwevebi ß dasrulda 2005 wlis noemberSi bankis da bisiais mier Sesyiduli kompaniis èvropeisis~ integracia. ß 2006 wlis dekemberSi ganxorcielda saqarTvelos wamyvani sadazRvevo kompaniis àldagis~ Sesyidva.

gadaxdili Tanxis moculobam 13.2 mln lari Seadgina, rac aldagis 2006 wlis jamuri mokrebili premiis daaxloebiT 0.94 Seadgens. `bisiai~-sa da àldagis~ proforma sabazro wilma 2006 wels 40%-s gadaaWarba. imis gaTvaliswinebiT, rom àldagis~ Sesyidva ZiriTadad dekemberSi ganxorcielda misi gavlena sadazRvevo operaciebze umniSvnelo iyo

ß daiwyo samomxareblo brendis Cemebis programa. aqtivebisa da dagrovili qonebis marTva Sedegebis mimoxilva2 gadanawilebuli Semosavali wina welTan SedarebiT 217%-iT gaizarda, rac gamowveuli iyo wminda saprocento Semosavlisa (ZiriTadad gamowveuli iyo piradi bankiris momsaxurebis sakredito porfelis zrdiT) da wminda arasaprocento Semosavlis (ZiriTadad gamowveuli iyo damoukideblad `galt & Taggart siqiuriTis (saqarTvelo)~ Semosavlis wina welTan SedarebiT 368%-iani zrdiT) zrdiT 5.2 mln laramde. damoukideblad `galt & Taggart siqiuriTis (saqarTvelo)~ Semosavlis zrda ZiriTadad gamowveuli iyo sabrokero saqmianobidan sakomisio Semosavlis zrdiT (1.6 mln lari, wina welTan SedarebiT 239%-iT gaizarda), fasiani qaRaldebis vaWrobidan miRebuli mogebis zrdiT (0.6 mln lari, wina welTan SedarebiT 2,656%-iT gaizarda), aqtivebisa da dagrovili qonebis administrirebis sakomisio Semosavlis zrdiT (0.5 mln lari, wina welTan SedarebiT 1,219%-iT gaizarda). gadanawilebuli xarjebi wina welTan SedarebiT 255%-iT gaizarda, rac ZiriTadad gamowveuli iyo `galt & Taggart kapitalis~ da misi portfeluri kompaniebis konsolidaciiT aqtivebisa da dagrovili qonebis marTvis strategiul biznes danayofTan, `galt & Taggart siqiuriTis~ saoperacio xarjebis zrdiT damatebiTi kadrebis daqirevebisa da maRali samuSaos Sesrulebaze damokidebuli kompensaciis gamo, agreTve sakomisio, depozitaruli da safondo birJebis sakomisio xarjebis zrdiT `galt & Taggart siqiuriTis (saqarTvelo)~-Tvis (sabrokero saqmianobis moculobis zrdis Sedegad). gadanawilebuli piradi sabanko momsaxurebis xarjebi 1.1 mln lars gautolda da wina welTan SedarebiT 11%-iT gaizarda. piradi sabanko momsaxurebisa da `galt & Taggart siqiuriTis (saqarTvelo)~ wili SemosavalSi Semcirda `galt & Taggart kapitalisa~ (zogierTi porfeluri kompaniis) konsolidirebuli wminda zaralis (razec ZiriTadad gavelna iqonia sawyisi biznesis xarjebma) da `bisiai~-s sapensio fondis umniSvnelo mogebiT; aqtivebisa da dagrovili qonebis marTvis strategiuli biznes danayofis gadanawilebuli wminda mogeba 0.5 mln lars gautolda. ZiriTadi movlenebi

2 2006 wels aqtivebisa da dagrovili qonebis strategiul biznes danayofSi Sedioda piradi bankiris momsaxureba, `galt & Taggart siqiuriTis (saqarTvelo)~, `bisiai~-s sapensio fondis marTvasTan dakavSirebuli saqmianoba da `galt & Taggart kapitali~.



ß piradi sabanko momsaxurebis klientebis raodenoba wlis dasawyisSi arsebuli 460-dan wlis bolos 873-mde gaizarda

ß piradi sabanko momsaxurebis klientebis depozitebis moculoba wina welTan SedarebiT 567%-iT gaizarda da wlis bolos 65.4 mln lars gautolda, rac ZiriTadad gamowveuli iyo mimdinare angariSebze naSTebisa da moTxovnamde depozitebis zrdiT

ß 2006 wlis ganmavlobaSi gacemuli ipoTekuri sesxebis moculobam 13.9 mln lari Seadgina, ris Sedegadac wlis bolos mdgomareobiT ipoTekuri sesxebis balansi 17.3 mln lars gautolda da wina welTan SedarebiT 248%-s gautolda

ß 2006 wlis ganmavlobaSi gacemuli saavtomobilo sesxebis moculobam 2.8 mln lari Seadgina, ris Sedegadac wlis bolos mdgomareobiT saavtomobilo sesxebis balansi 2.3 mln lars gautolda da wina welTan SedarebiT 672%-iT gaizarda

ß `galt & Taggart siqiuriTis (ukraina)~-ma miiRo saWiro licenziebi da daiwyo saqmianoba 2006 wlis noemberSi

ß `galt & Taggart siqiuriTis (saqarTvelo)~-s sakastodiano momsaxurebis qveS arsebuli aqtivebi wina welTa SedarebiT 391%-iT gaizarda da wlis bolos 339 mln lari Seadgina

ß `galt & Taggart siqiriuriTis (saqarTvelo)~-s wilma saqarTvelos safondo birJis da birJis gareT savaWro moculobaSi 2006 wels 90% da 2005 wels 43% Seadgina

ß `bisiai~-s sapensio fondis marTvaSi arsebuli aqtivebi wina welTan SedarebiT 298%-iT gaizarda da wlis bolos 0.5 mln lari Seadgina. `bisiai~-s sapensio fondis wevrTa raodenoba wlis dasawyisSi arsebuli 1,049-dan wlis bolos 2,154-mde gaizarda

ß `galt & Taggart kapitalma~ Cveulebrivi aqciebis ganTavsebis meSveobiT 6.2 mln lari moizida da 2006 wlis noemberSi misi aqciebi saqrTvelos safondo birJaze savaWrod iqna daSvebuli

ß dasaxelda saukeTeso sabrokero firmad saqarTveloSi saqarTvelos ucxouri valutis yidva-gayidvis asociaciis mier

komentarebi `2006 wlis ganmavlobaSi Cven vagrZelebdiT sakuTari saqmianobis gafarToebas organuli zrdis, alternatiuli ganawilebis arxebis ganviTarebisa da Sesyidvebis meSveobiT. Cven gavxseniT rekorduli raodenobis filialebi, movizideT 250,000-ze meti fizikuri piri, gavafarToveT korporatiuli klientebis baza da vagrZelebdiT teqnologiebsa da kadrebSi investirebas. 2006 wels Cven ramdenime mniSvnelovani monapovari SeviZineT: banki gaxda pirveli qarTuli kompania, romelic moxvda londonis safondo birJis ZiriTadi bazris listingSi; gavxdiT pirveli qarTuli kompania, romelmac sakredito reitingi miiRo sami wamyvani sareitingo saagentosgan; gavafarToveT Cveni saqmianoba ukrainaSi `galt & Taggart siqiuriTis (ukraina)~ daarsebiT da ukrainul bankSi mcire wilis SesyidviT; daviwyeT samerCanto sabanko saqmianoba `galt & Taggart kapitalis~ daarsebiT. moxaruli var, rom Cveni winsvla da ganviTareba aRiarebul iqna `evromanisa~ (Euromoney) da `bankiris~ (The Banker) mier, romlebmac Cven 2006 wlis saukeTeso qarTul bankad dagvasaxeles. amasTanave, moxaruli var aRvniSno, rom Cveni sabaziso mogeba erT aqciaze wina welTan SedarebiT 47%-iT gaizarda da 1.67 lari Seadgina~, ganacxada sameTvalyureo sabWos Tavmjdomarem, lado gurgeniZem. 2007 wlis gegmebze saubrisas lado gurgeniZem, aRniSna: `2007 wels Cveni miznebi aSkaraa: Cven gavagrZelebT qveynis SigniT saqmianobis yvela mimarTulebiT investirebas zrdis SesanarCuneblad, amasTanave gavagrZelebT konservatuli dakreditebis politikis ganxorcielebas, gavagrZelebT regionalur eqspansias ukrainasa da sxvagan Sesyidvebisa da investiciebis ganxorcielebis meSveobiT. amasTanave gansakuTrebiT gavamaxvilebT yuradRebas eqspanisiiT gamowveuli xarjebis zrdaze imisaTvis, rom mimdinare maRali zrdis fazaSi maqsimaluri efeqtianoba SevinarCunoT.~



mogeba-zaralis uwyisi

31 dekemberi IV kv, 2006 wliuri 2006 wliuri

konsolidirebuli, IFRS-ze dafuZnebuli aSS

dolari1 lari zrda aSS

dolari1 lari zrda aTasi, Tu sxvagvarad ar aris miTiTebuli (araauditirebuli) (araauditirebuli)

saprocento Semosavali 22,173 37,993 140% 59,011 101,116 95%

saprocento xarji 6,897 11,818 193% 19,619 33,618 157%

wminda saprocento Semosavali 15,276 26,175 122% 39,392 67,498 74%

sakomisio da momsaxurebis Semosavali 3,453 5,917 66% 12,914 22,129 67%

sakomisio da momsaxurebis xarji 981 1,680 N/A 2,728 4,675 184% wminda sakomisio da momsaxurebis Semosavali 2,473 4,237 18% 10,186 17,454 50%

Semosavali dokumenturi operaciebidan 667 1,142 26% 2,751 4,714 62%

xarji dokumentur operaciebze 214 367 123% 734 1,257 70%

wminda Semosavali dokumenturi operaciebidan 453 776 5% 2,018 3,457 59% wminda Semosavali ucxouri valutis yidva-gayidvis operaciebidan 2,409 4,127 124% 7,015 12,020 85%

wminda sadazRvevo Semosavali 880 1,508 47% 2,716 4,654 44%

sabrokero da aqtivebis marTvis Semosavali 726 1,244 974% 1,755 3,007 426%

ganxorcielebuli wminda mogeba investiciebze 304 520 NMF 715 1,226 NMF

sxva 929 1,591 278% 1,015 1,740 207%

wminda sxva ara-saprocento Semosavali 2,839 4,864 212% 6,202 10,627 143%

wminda ara-saprocento Semosavali 8,173 14,004 81% 25,420 43,558 76%

mTliani saoperacio Semosavali (Semosavali) 23,448 40,179 106% 64,812 111,056 75%

personalis xarji 4,812 8,246 86% 13,705 23,484 43%

gayidvis, zogadi da administraciuli xarjebi 2,708 4,641 102% 8,298 14,219 112%

Sesyidvebis da operaciebis mxardaWeris xarjebi 1,425 2,441 197% 3,100 5,312 139%

cveTa da amortizacia 1,011 1,732 58% 3,246 5,562 31%

sxva saoperacio xarjebi 71 122 -90% 570 976 -54%

mTliani saoperacio xarjebi 10,027 17,182 74% 28,919 49,554 56%

normalizebuli wminda saoperacio Semosavali 13,421 22,997 139% 35,893 61,502 94%

wminda erTjeradi xarji (Semosavali) 538 922 0% 538 922 -53%

mogeba darezervebamde da bonusebamde 12,883 22,075 153% 35,355 60,580 103% wminda rezervi 4,140 7,094 188% 10,364 17,759 120%

sxva aqtivbis rezervi (amobruneba) (1,475) (2,528) 219% (1,907) (3,268) 78% mogeba bonusebamde 10,218 17,509 149% 26,898 46,089 95% bonusebi da aqciebze dafuZnebuli kompensacia 2,399 4,111 86% 6,261 10,728 57%

mogeba gadasaxadis gadaxdamde 7,819 13,398 178% 20,637 35,361 111%

mogebis gadasaxadi 1,837 3,147 N/A3 4,557 7,809 151%

wminda mogeba 5,982 10,251 113% 16,079 27,552 102% saSualo Sewonili gamoSvebuli aqciebi (aTasi) 16,506 wlis bolos mTlianad gazavebuli aqciebis raodenoba (aTasi) 27,229 mogeba erT aqciaze (sabaziso) 0.97 1.67 47% mogeba erT aqciaze (mTlianad gazavebuli) 0.59 1.01 12%

2006 wlis `saqarTvelos bankis~ segmentebis Sedegebi

mTliani saoperacio Semosavali (Semosavali) wminda mogeba

(aTasi lari) 2006 wliuri zrda 2005 2006 wliuri zrda 2005korporatiuli da sainvesticio sabanko segmenti 33,222 58% 20,996 14,420 96% 7,365samomxmareblo sabanko segmenti 42,809 74% 24,658 8,417 123% 3,775aqtivebis da dagrovili qonebis marTvis segmenti3 5,151 217% 1,626 461 246% 133dazRveva 5,012 44% 3,470 271 8% 250korporatiuli centri/sxva 24,863 96% 12,684 3,983 89% 2,103jami 111,056 75% 63,434 27,552 102% 13,626

1 aSS dolarSi gadayvanilia periodis bolos arsebuli gacvliTi kursiT 1.7135 lari erT aSS dolarTan, rac warmoadgens 2006 wlis 31 dekembers arsebul

saqarTvelos erovnuli bankis oficialur gacvliT kurss 2 aSS dolarSi gadayvanilia periodis bolos arsebuli gacvliTi kursiT 1.7925 lari erT aSS dolarTan, rac warmoadgens 2005 wlis 31 dekembers arsebul

saqarTvelos erovnuli bankis oficialur gacvliT kurss. 3 2006 wlisTvis bankis samerCanto sabanko saqmianoba, rac yovelgvari SezRudvis gareSe moicavs `galt & Taggart kapitalis~ Sedegebs, dakonsolidirda aqtivebisa da

dagrovili qonebis marTvis strategiul biznes danayofTan. damoukideblad, kerZod, `galt & Taggart kapitalis~ dafuZnebis xarjebis gamoklebiT, aqtivebisa da dagrovili qonebis marTvis strategiuli biznes danayofis wminda mogebam 1.8 mln lari Seadgina. 2007 wels banki apirebs aqtivebisa da dagrovili qonebis marTvis strategiuli biznes danayofis ramdenime danayofad dayofas da moaxdens segmentebis Sedegebis Sesabamisad angariSegbas

sabalanso uwyisi



31 dekemberi 2006 zrda2

konsolidirebuli, IFRS-ze dafuZnebuli aSS dolari1 lari wliuri aTasi, Tu sxagvarad ar aris miTiTebuli (araauditirebuli)

naRdi fuli da ekvivalenti 74,053 126,890 140% sesxebi da avansebi sakredito institutebze 41,791 71,609 90% aucilebeli rezervi saqarTvelos erovnul bankSi 35,869 61,461 112% sxva angariSebi saqarTvelos erovul bankSi 138 236 -94% angariSebi da naSTebi sxva bankebSi 5,785 9,912 124% saxazino valdebulebebi da ekvivalenti 109,378 187,420 8120% sxva fiqsirebuli Semosavlis mqone instrumentebi 3,387 5,804 -21% mTliani klientebis sesxebi 433,076 742,075 133% sesxebis SesaZlo danakargis rezervi (16,291) (27,914) 64%

wminda klientebis sesxebi 416,785 714,161 137% investiciebi sxva kompaniebSi, wminda 952 1,632 61% ZiriTadi saSualebebi, wminda 38,755 66,407 85% aramaterialuri aqtivebi, wminda 2,040 3,495 79% gudvili 21,807 37,366 552% sagadasaxado aqtivebi – mimdinare da gadavadebuli 493 845 -67%

winaswari gadaxdebi da sxva aqtivebi 15,266 26,159 104%

mTliani aqtivebi 724,708 1,241,788 169% klientebis depozitebi 338,007 579,175 115% depozitebi da sesxebi sxva bankebidan 7,627 13,069 -55% nasesxebi saxsrebi 130,444 223,516 347% dazRvevasTan dakavSirebuli valdebulebebi 4,493 7,699 94% gamoSvebuli fiqsirebuli Semosavlis mqone aqtivebi 814 1,395 22% sagadasaxado valdebulebebi – mimdinare da gadavadebuli 4,370 7,488 259%

daricxuli da sxva valdebulebebi 22,537 38,617 169%

mTliani valdebulebebi 508,292 870,959 135% Cveulebrivi aqciebi 14,708 25,202 71% saemisio kapitali 154,520 264,770 704% sakuTari gamosyiduli aqciebi (584) (1,001) 1136% gaunawilebeli mogeba 24,114 41,319 74% gadafasebis da sxva rezervi 5,019 8,600 60%

periodis wminda mogeba 16,079 27,552 102%

saaqcio kapitali umciresobis wilis gamoklebiT 213,856 366,442 306%

umciresobis wili 2,560 4,387 300% mTliani saaqcio kapitali 216,416 370,829 305% mTliani valdebulebebi da saaqcio kapitali 724,708 1,241,788 169% gamoSvebuli aqciebi 25,202,009 erTi aqciis sabalanso Rirebuleba4 8.61 14.75 137%

1 aSS dolarSi gadayvanilia periodis bolos arsebuli gacvliTi kursiT 1.7135 lari erT aSS dolarTan, rac warmoadgens 2006 wlis 31 dekembers arsebul saqarTvelos erovnuli bankis oficialur gacvliT kurss 2 wina wlis imave periodTan SedarebiT; zrda daangariSebulia laris monacemebze 3 erTi aqciis sabalanso Rirebuleba udris saaqcio kapitals damatebuli gamosyiduli sakuTari aqciebi gayofili gamoSvebul Cveulebriv aqciebze



ZiriTadi koeficientebi

2006 2005 konsolidirebuli Tu sxvagvarad ar aris miTiTebuli IFRS-ze dafuZnebuli, araauditirebuli Semosavlianobis koeficientebi ukugeba saSualo aqtivebze 1 3.5% 3.5% ukugeba saSualo kapitalze2 17.1% 20.1% saprocento Semosavali saSualo Semosavlian aqtivebTan 3 16.7% 18.3% Tanxebis xarji 4 5.8% 4.2% wminda spredi 5 10.9% 14.1% wminda saprocento marJa 6 11.2% 13.7% sesxebis Semosavlianoba 7 17.2% 18.2% saprocento xarji saprocento SemosavalTan 33.2% 25.2% wminda ara-saprocento Semosavali saSualo mTlian aqtivebTan 5.6% 6.3% wminda ara-saprocento Semosavali SemosavalTan8 39.2% 38.9% wminda momsaxurebis da sakomisio Semosavali saSualo Semosavlian aqtivebTan 9 3.5% 4.9% wminda momsaxurebis da sakomisio Semosavali SemosavalTan 18.8% 21.7% saoperacio leveraJi 10 23.8% 1.5% Recurring Earning Power 11 7.8% 7.6% wminda mogeba SemosavalTan 24.8% 21.5% efeqtianobis koeficientebi saoperacio xarji saSualo mTlian aqtivebTan 12 6.4% 8.1% xarjebi saSualo mTlian aqtivebTan 13 7.8% 10.3% xarji/Semosavali 14 55.1% 63.8% xarji/Semosavali, damoukideblad `saqarTvelos banki~ 15 51.2% 62.0% mTliani TanamSromlebis kompensaciis xarji SemosavalTan 16 30.8% 36.6% mTliani TanamSromlebis kompensaciis xarji mTlian xarjTan 55.9% 57.4% mTliani TanamSromlebis kompensaciis xarji saSualo mTlian aqtivebTan 4.4% 5.9%

likvidobis koeficientebi wminda sesexebi mTlian aqtivebTan 17 57.5% 65.3% saSualo wminda sesxebi saSualo mTlian aqtivebTan 61.7% 58.6% Semosavliani aqtivebi mTlian aqtivebTan 78.8% 75.6% saSualo Semosavliani aqtivebi saSualo mTlian aqtivebTan 77.5% 72.0% likviduri aqtivebi mTlian aqtivebTan18 26.6% 15.4% wminda sesxebi klientebis depozitebTan 123.3% 111.8% saSualo wminda sesxebi saSualo klientebis depozitebTan 115.3% 90.7% wminda sesxebi mTlian depozitebTan 19 120.6% 101.0% wminda sesxebi mTlian valdebulebebTan 82.0% 81.5% mTliani depozitebi mTlian valdebulebebTan 68.0% 80.7% klientebis depozitebi mTlian depozitebTan 97.8% 90.3% klientebis depozitebi mTlian valdebulebebTan 66.5% 72.9% naSTebi mimdinare angariSebze klientebis depozitebTan 60.7% 42.0% moTxovnamde depozitebi klientebis depozitebTan 6.2% 13.5% vadiani depozitebi klientebis depozitebTan 33.1% 44.6% mTliani depozitebi mTlian aqtivebTan 47.7% 64.7% klientebi

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wliuri angariSgeba saqarTvelos fasiani qaRaldebis erovnul ...5 banki – Sps `nitani~ - gadauxdeli kreditis 24624 AaSS dolarisa dabruneba da ipoTekiT datvirTuli qonebis realizacia