ბიულეტინი by georgianpolitics

saqarTvelos erovnuli banki

monetaruli da sabanko statistikis biuleteni

# 190 ianvari-dekemberi, 2014

Tbilisi

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, garda amisa, erovnuli bankis vebgverdze â&#x20AC;&#x153;statistikisâ&#x20AC;? 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 = movlena ar arsebobs; - = monacemebi ar aris.

monetaruli da sabanko statistikis biuletenis gamoqveynebis kalendari yovelTviuri eleqtronuli versia www.nbg.ge

wliuri

30-e dRes 30-e dRes saangariSo saangariSo Tvis wlis damTavrebidan damTavrebidan

saqarTvelos erovnuli bankis monetaruli da sabanko statistikis biuleteni # 190 ianvari-dekemberi, 2014 gamoicema 1998 wlis seqtembridan saredaqcio kolegia:

arCil mestviriSvili

MSinaarsi

(redaqtori)

I. ZiriTadi makroekonomikuri maCveneblebi -----------------------------------------1.1.

socialur-ekonomikuri mdgomareobis ZiriTadi maCveneblebi -------------------------------------------------

gamocemaze)

1.2.

mrewvelobis produqciis mwarmoebelTa fasebis indeqsi ----------------------------------------------------

eleonora baRaSvili Tamaz ozbeTelaSvili irma barbaqaZe suliko wulaia

1.3.

nana aslamaziSvili (pasuxismgebeli

samomxmareblo fasebis indeqsis dinamika -----------1.4. wliuri inflacia --------------------------------------------II. monetaruli statistika -------------------2.1.

monetaruli koeficientebis dinamika --------------2.2. sarezervo fulis masis moculobisa da struqturis dinamika -----------------------------------gamocemasTan dakavSirebul sakiTxebze gTxovT dagvikavSiredeT saqarTvelos erovnul bankSi: 0114, Tbilisi, sanapiros, 2

2.3.

fulis masis agregatebis dinamika -------------------

9 9 10 12 14 18 22

III. komerciuli bankebi ----------------------------3.1. finansuri seqtoris institutebi --------------------

26 26

komerciuli bankebis dajgufeba ganaRdebuli sawesdebo kapitalis mixedviT ------------------------

faqsi: (995 32) 240 6571

3.3.

komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika -----------------------------------------

3.4.

komerciuli bankebis saqmianobis finansuri maCveneblebi--------------------------------------------------

www.nbg.gov.ge

3.5.

komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba da struqtura ------------

el-fosta:

3.6.

ISSN 1512-1747

7 8 8

saqarTvelos erovnuli bankis mimoxilva -------2.5. sxva depozituri korporaciebis mimoxilva ------2.6. depozituri korporaciebis mimoxilva -------------

3.2.

ď&#x192;&#x201C;saqarTvelos erovnuli bankis biuleteni

2.4.

tel.: (995 32) 240 6251

naslamazishvili@nbg.gov.ge

komerciuli bankebis mier gacemuli vadiani sesxebiT davalianebis moculoba debitorebis kategoriebis mixedviT ---------------------------------3.7. komerciuli bankebis mier saangariSo periodSi gacemuli vadiani sesxebi debitorebis kategoriebis mixedviT ---------------------------------3.8. komerciuli bankebis mier erovnuli valutiT gacemuli vadiani sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------

26 27 31 36 39 40

3.8.1

komerciuli bankebis mier erovnuli valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi -----------------------------------------------------------------

42 komerciuli bankebis mier ucxouri valutiT gacemuli vadiani sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi --------------------------------------------------------------------------------3.9.1 komerciuli bankebis mier ucxouri valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ----------------------------------------------------------------3.10. komerciuli bankebis mier rezident iuridiul pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba saqmianobis saxeebis mixedviT -----------------------------------------------------------------------------------3.9.

3.11.

komerciuli bankebis mier saangariSo periodSi rezident iuridiul pirebze gacemuli vadiani sesxebis moculoba da saprocento ganakveTebi saqmianobis saxeebis mixedviT ---------------------------------------------------------

3.12.

komerciuli bankebis mier rezident iuridiul da fizikur pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba ekonomikis seqtorebis mixedviT --------------------------------------------------------------------

3.13.

komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi -------------------------------------------------------------------------------------

3.14.

komerciuli bankebis mier gacemuli samomxmareblo sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ----------------------------------------------------------------------------------

3.15.

komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura ---------------------------------------------------------------------------------

3.16.

komerciuli bankebis mier erovnuli valutiT moziduli iuridiuli da fizikuri pirebis depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------------------------

3.17.

komerciuli bankebis mier ucxouri valutiT moziduli iuridiuli da fizikuri pirebis depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------------------------

3.18.

komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozotebi erovnuli ekonomikis seqtorebis mixedviT ----------------------

3.19.

komerciuli bankebis sesxebisa da depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------------

3.20.

komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis ganawileba maTi moculobebis mixedviT --------------------------

3.21.

komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozitebi mflobelTa kategoriebis mixedviT ---------------------------------

3.22.

sabazro saprocento ganakveTebis dinamika ----------------------------------------

44 45 47

49 50

51 53

IV. finansuri bazrebi -------------------------------------------------------------4.1.

59 60 62 64 65 67

komerciuli bankebis mier auqcionis gareSe sxva bankebze erovnuli valutiT gacemuli sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------------

67 4

4.2.

komerciuli bankebis mier auqcionis gareSe sxva bankebze ucxouri valutiT gacemuli sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ---------------------------------------

4.3.

mimoqcevaSi arsebuli sadepozito serTifikatebi -----------------------------savaluto bazarze aSS dolariT ganxorcielebuli operaciebi -----------savaluto bazarze evroTi ganxorcielebuli operaciebi -------------------gacvliTi kursebi: aSS dolari/lari ---------------------------------------------gacvliTi kursebi: rusuli rubli/lari -----------------------------------------gacvliTi kursebi: evro/lari -------------------------------------------------------gacvliTi kursebi: Turquli lira/lari -----------------------------------------realuri efeqturi gacvliTi kursis dinamika ----------------------------------nominaluri efeqturi gacvliTi kursis dinamika -----------------------------

4.5. 4.6. 4.7. 4.8. 4.9. 4.10. 4.11. 4.12. V. 5.1.

68 69 70 71 72 73 74 75 76 76

sagareo seqtori ----------------------------------------------------------------mTliani saerTaSoriso rezervebi --------------------------------------------------saqarTvelos saxelmwifo sagareo vali ------------------------------------------saqarTvelos sagadasaxdelo balansi ----------------------------------------------saqarTvelos sagareo vaWroba -------------------------------------------------------saqarTvelos umsxvilesi sagareo savaWro partniori qveynebi -------------saqarTvelos umsxvilesi saeqsporto sasaqonlo jgufebi ------------------saqarTvelos umsxvilesi saimporto sasaqonlo jgufebi --------------------eleqtronuli fuladi gzavnilebi ZiriTadi partniori qveynebis mixedviT ------------------------------------------------------------------------------------

77 77 78 80 81 82 83 83

danarTi: meTodologiuri komentarebi ------------------------------------

5.2. 5.3. 5.4. 5.5. 5.6. 5.7. 5.8.

I. ZiriTadi makroekonomikuri maCveneblebi 1.1. socialur-ekonomikuri mdgomareobis ZiriTadi maCveneblebi

zomis

erTeuli

2011

2012

2013

2014

1. realuri seqtori

mln. lari

24,344.0

26,167.3

26,847.4

…

lari

5,447.1

5,818.1

5,987.6

…

mrewvelobis produqciis gamoSveba

mln. lari

7,458.7

8,019.2

8,493.4

…

soflis meurneobis produqciis gamoSveba

mln. lari

2,877.7

3,018.7

3,393.6

…

107.2

106.4

103.3

…

102.0

98.6

102.4

102.0

xanmokle moxmarebis saqoneli

101.3

97.0

102.8

101.8

saSualo xangrZlivobis moxmarebis saqoneli

97.0

98.2

96.4

97.0

xangrZlivi moxmarebis saqoneli

96.7

97.5

95.7

104.5

momsaxureba

105.9

101.3

103.4

102.8

6,388.8 5,926.9 461.9 755.8

7,058.2 6,641.5 416.7 537.7

6,839.5 6,545.6 293.9 690.2

7,377.2 7,447.7 -70.5 617.2

-293.9

-121.0

-396.3

-687.7

-1.2

-0.5

-1.5

…

1,664.2

1,724.0

1,712.1

…

15.1

15.0

14.6

…

mln.lari

617.0

715.6

820.5

…

mln.lari

599.3

692.8

804.1

…

lari

636.0

712.5

773.1

850.8*

nominaluri xelfasis zrdis tempi

106.4

112.0

108.5

106.4*

realuri xelfasis zrdis tempi

98.0

113.1

109.1

102.6*

nominaluri mTliani Sida produqti mSp erT sul mosaxleze

realuri mTliani Sida produqtis zrdis tempi 2. inflacia

samomxmareblo fasebis indeqsi (wina wlis dekemberi=100)

3. saxelmwifo biujeti

Semosavali xarji biujetis saoperacio saldo arafinansuri aqtivebis cvlileba biujetis mTliani saldo [proficiti (+) / deficiti (-)] procentulad mTlian Sida produqtTan

mln. mln. mln. mln. mln.

lari lari lari lari lari

4. dasaqmeba

dasaqmebuli mosaxleobis ricxovnoba umuSevrobis done

aTasi kaci

5. socialuri indikatorebi

mosaxleobis Tviuri fuladi Semosavali mosaxleobis Tviuri fuladi xarji daqiravebiT dasaqmebulTa nominaluri saSualo xelfasi

wyaro: saqarTvelos statistikis erovnuli samsaxuri; saqarTvelos finansTa saministro. SeniSvna: *) me-3 kvartali.

1.1. socialur-ekonomikuri mdgomareobis ZiriTadi maCveneblebi gagrZeleba zomis

erTeuli

2011

2012

2013

2014

saarsebo minimumi (periodis bolosaTvis): Sromisunariani mamakacisaTvis

lari

156.9

149.1

155.1

159.4

saSualo momxmareblisaTvis

lari

139.0

132.1

137.4

141.2

saSualo ojaxisaTvis

lari

263.3

250.1

260.2

267.4

6. sagareo vaWroba *

eqsporti (FOB)

mln. aSS $

2,189.1

2,377.5

2,908.5

2,861.2

importi (CIF)

mln. aSS $

7,057.8

7,842.1

7,885.2

8,596.3

sagareo savaWro balansi

mln. aSS $

-4,868.6

-5,464.7

-4,976.7

-5,735.1

procentulad mTlian Sida produqtTan

-33.7

-34.5

-30.8

â&#x20AC;Ś

importis eqsportiT gadafarvis koeficienti

31.0

30.3

36.9

33.3

7. gacvlis kursebi

oficialuri: periodis bolosaTvis

aSS $/lari

1.6703

1.6567

1.7363

1.8636

saSualod, periodis ganmavlobaSi

aSS $/lari

1.6860

1.6513

1.6634

1.7659

* araregistrirebuli vaWrobis gareSe.

1.2. mrewvelobis produqciis mwarmoebelTa fasebis indeqsi, 2005 weli = 100 2013

2014

2005=100

procentuli cvlileba wina TvesTan

2005=100

procentuli cvlileba wina TvesTan

ianvari

163.3

-1.7

162.5

2.3

Tebervali

164.0

0.5

163.7

0.7

marti

163.3

-0.4

162.7

-0.6

aprili

162.0

-0.8

164.1

0.8

maisi

161.9

0.0

165.1

0.6

ivnisi

159.4

-1.6

165.3

0.2

ivlisi

158.5

-0.6

165.3

0.0

agvisto

158.8

0.2

164.8

-0.3

seqtemberi

158.1

-0.4

167.1

1.4

oqtomberi

159.0

0.6

166.4

-0.4

noemberi

159.0

0.0

165.1

-0.8

dekemberi

158.9

-0.1

169.1

2.4

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

1.3. samomxmareblo fasebis indeqsis dinamika

2012

2013

2014

procentuwina wlis li wina wlis procentuli wina wlis dekemberi=1 cvlileba dekemberi=1 cvlileba wina dekemberi=100 00 wina 00 TvesTan TvesTan

ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

100.5 100.7 100.5 100.5 99.6 98.7 97.8 97.9 98.6 98.7 98.8 98.6

0.5 0.2 -0.2 0.0 -0.9 -0.9 -0.9 0.1 0.8 0.0 0.1 -0.3

100.3 100.0 99.8 100.2 100.9 100.3 99.0 99.0 98.9 100.4 100.9 102.4

0.3 -0.3 -0.1 0.4 0.7 -0.6 -1.3 0.0 -0.1 1.5 0.5 1.5

procentuli cvlileba wina TvesTan

100.8 101.0 100.9 101.2 101.0 100.0 99.4 99.9 101.1 101.4 101.3 102.0

0.8 0.2 -0.1 0.3 -0.3 -0.9 -0.6 0.5 1.2 0.3 -0.1 0.7

1.4. wliuri inflacia 2012

ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

2013

2014

12 Tvis cvlileba

12 Tv. saS. cvlileba

12 Tvis cvlileba

12 Tv. saS. cvlileba

12 Tvis cvlileba

12 Tv. saS. cvlileba

0.5 -2.1 -2.2 -2.1 -3.3 -0.2 0.6 -0.4 -0.1 0.1 -0.5 -1.4

7.5 6.2 4.8 3.5 2.1 1.3 0.7 0.1 -0.3 -0.5 -0.7 -0.9

-1.6 -2.1 -2.1 -1.7 -0.1 0.2 -0.2 -0.4 -1.3 0.2 0.6 2.4

-1.1 -1.1 -1.1 -1.1 -0.8 -0.8 -0.8 -0.8 -0.9 -0.9 -0.8 -0.5

2.9 3.5 3.5 3.4 2.4 2.0 2.8 3.4 4.8 3.4 2.8 2.0

-0.1 0.3 0.8 1.2 1.4 1.6 1.8 2.2 2.7 2.9 3.1 3.1

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

II. monetaruli statistika 2.1. monetaruli koeficientebis dinamika (periodis bolos) kombankebis kombankebis savaldebu- sakoresponnaRdi fuli rezervebis lo dento kombankebSi saerTo rezervebi angariSebi Tanxa seb-Si procentulad komerciuli bankebis sadepozito valdebulebebTan

dolarizaciis koeficienti

fulis multiplikatori

(M2)

(M3)

fulis fulis mimoqcevis mimoqcevis siCqare siCqare (M2)

(M3)

2013

ianvari

13.85

5.97

5.06

24.87

60.57

1.29

2.55

Tebervali

13.38

7.88

4.40

25.66

60.12

1.28

2.51

marti

13.23

5.42

5.03

23.67

60.92

1.34

2.68

aprili

12.93

7.93

5.50

26.36

59.58

1.28

2.52

maisi

13.05

6.52

4.77

24.34

59.59

1.32

2.60

ivnisi

12.92

4.51

4.85

22.29

58.35

1.37

2.62

ivlisi

12.91

4.22

4.74

21.88

59.09

1.34

2.59

agvisto

12.49

7.70

5.15

25.34

57.64

1.34

2.53

seqtemberi

12.65

7.59

5.06

25.29

57.37

1.31

2.45

oqtomberi

12.54

5.64

4.68

22.86

56.24

1.37

2.51

noemberi

12.36

4.96

5.00

22.31

56.35

1.36

2.50

dekemberi

12.51

4.39

5.69

22.59

55.67

1.36

2.47

ianvari Tebervali

13.14 12.79

7.67 6.17

4.82 5.06

25.63 24.02

58.81 57.72

1.31 1.36

2.52 2.57

marti

12.67

5.63

5.05

23.35

57.85

1.37

2.61

aprili

12.57

7.84

4.89

25.30

58.74

1.32

2.54

maisi

12.67

6.72

4.71

24.10

58.61

1.35

2.59

ivnisi

12.24

6.53

4.74

23.51

59.21

1.35

2.63

ivlisi

12.35

6.89

4.81

24.06

58.42

1.36

2.61

agvisto

12.45

7.16

5.22

24.83

57.08

1.37

2.58

seqtemberi oqtomberi

12.21 12.41

7.58 7.20

5.09 4.94

24.89 24.56

58.14 57.06

1.35 1.38

2.59 2.61

noemberi

12.44

6.81

4.79

24.04

57.33

1.39

2.65

dekemberi

12.48

6.99

5.62

25.09

57.08

1.31

2.49

6.75

3.37

6.17

3.21

5.60

3.00

4.95

2.73

5.34

2.81

5.15

2.65

4.89

2.55

4.54

2.40

2014

2.2. sarezervo fulis masis moculobisa da struqturis dinamika ianvari

Tebervali

marti

aprili

maisi

ivnisi

ivlisi

agvisto seqtemberi oqtomberi noemberi

dekemberi

periodis bolos; aTasi lari sarezervo fulis masa 2009

1505078

1464069

1441942

1578292

1622579

1654015

1872829

1856192

1815233

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

2901072

2012

2780441

2819931

2642387

2691390

2671575

2775362

2937988

3107542

3285540

3094823

2937213

3255314

2013

3047796

3146226

2972029

3220089

3129435

3184262

3302037

3487679

3655479

3663278

3737236

3989083

2014

3756142

3717321

3659706

3855910

3804159

3846994

3901000

3988861

4056513

4020879

4050812

4501010

2009

1165976

1140243

1141167

1198714

1180359

1201168

1245729

1295874

1285586

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

2012

1565827

1528540

1542650

1535298

1523101

1606258

1685922

1822229

1999238

1854465

1808343

1918059

2013

1749013

1714529

1746055

1804007

1759565

1822327

1885006

1997773

2065559

2109420

2137069

2351553

2014

2097932

2131254

2115493

2159671

2164141

2209451

2264280

2317334

2295072

2265104

2220580

2462108

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

2012

218346

171276

222443

291414

303374

272620

178077

360751

335152

287636

176845

270702

2013

378270

510545

354374

528496

436348

309772

295543

554132

550554

418667

375664

348096

2014

592600

482236

440982

629792

541986

543053

573049

600967

656840

623599

610597

646381

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

2012

777989

792708

760194

764760

758070

821984

824818

877961

891592

859422

850225

874358

2013

877947

867329

864976

861579

872526

887012

903817

899083

917373

931392

936575

992621

2014

1015303

999879

992174

1009571

1021302

1017365

1026946

1044540

1057756

1074988

1114622

1154372

naRdi fuli mimoqcevaSi

Tanxebi bankebis sakorespondento angariSebze

savaldebulo rezervebi

2.2. sarezervo fulis masis moculobisa da struqturis dinamika gagrZeleba ianvari

Tebervali

marti

aprili

maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi procentulad sarezervo fulTan

dekemberi

naRdi fuli mimoqcevaSi 2009

77.5

77.9

79.1

76.0

72.7

72.6

66.5

69.8

70.8

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

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

2012

56.3

54.2

58.4

57.0

57.9

57.4

58.6

60.8

59.9

61.6

58.9

2013

57.4

54.5

58.7

56.0

56.2

57.2

57.1

57.3

56.5

57.6

57.2

58.9

2014

55.9

57.3

57.8

56.0

56.9

57.4

58.0

58.1

56.6

56.3

54.8

54.7

2009

13.9

13.3

12.2

17.0

20.7

20.8

27.6

24.2

22.5

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

2012

7.9

6.1

8.4

10.8

11.4

9.8

6.1

11.6

10.2

9.3

6.0

8.3

2013

12.4

16.2

11.9

16.4

13.9

9.7

9.0

15.9

15.1

11.4

10.1

8.7

2014

15.8

13.0

12.0

16.3

14.2

14.1

14.7

15.1

16.2

15.5

15.1

14.4

2009

8.7

8.8

8.7

7.0

6.6

5.9

6.0

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

2012

28.0

28.1

28.8

28.4

29.6

28.1

28.3

27.1

27.8

28.9

26.9

2013

28.8

27.6

29.1

26.8

27.9

27.4

25.8

25.1

25.4

25.1

24.9

2014

27.0

26.9

27.1

26.2

26.8

26.4

26.3

26.2

26.1

26.7

27.5

25.6

Tanxebi bankebis sakorespondento angariSebze

savaldebulo rezervebi

2.3. fulis masis agregatebis dinamika ianvari

Tebervali

marti

aprili

maisi

ivnisi

ivlisi

agvisto

seqtemberi oqtomberi

noemberi

dekemberi

periodis bolos; aTasi lari farTo fuli (M3) 2009 2010 2011 2012 2013 2014

4146756 4721983 5970730 6808396 7771223 9453973

4035788 4792164 5959088 6918706 7912346 9556546

3815625 4837432 5899006 6831744 7959106 9555305

3637932 4938623 6062639 6785909 8103469 9799048

3676519 3746884 3922696 4133601 4258469 4392846 4374193 4763607 4945487 5154387 5750228 5840047 5874149 5852008 5775637 6199009 5995136 6164201 6221285 6481689 6558254 6550014 6352921 7097777 7194519 7242927 7867540 7971705 7789119 7732669 7648450 7903739 8130731 8354699 8553410 8826582 8953801 9188613 9339568 9836619 9846213 10130909 10178206 10273633 10516743 10497444 10754605 11189836

2009 2010 2011 2012 2013 2014 bankebs gareT arsebuli naRdi fuli (M0) 2009 2010 2011 2012 2013 2014 depozitebi erovnuli valutiT

1862990 2207763 2762739 3646713 3930310 4910384

1803649 2304117 2781235 3711576 4016195 5043357

1778077 2400944 2731566 3560996 3974854 5023280

1816818 2494090 2999071 3694523 4132672 5082162

1817639 2452361 2901295 3637588 4145492 5122478

1855529 2537542 2939244 3686240 4349611 5208363

1959227 2612155 3136504 3921188 4417696 5321839

2001147 2650543 3249717 4019735 4677795 5482590

2084222 2625141 3225245 4050885 4792587 5481300

2137782 2696435 3340316 3918457 5012782 5556365

2169100 2785505 3273675 3802499 5067894 5616504

2330486 2960254 3783180 4069162 5418403 5911310

991498 1132677 1248360 1308176 1428277 1725649

961048 1142394 1224546 1285343 1429621 1735660

960173 1186814 1183232 1276827 1417119 1719520

1005005 1219755 1213635 1273870 1437181 1767032

1004352 1234321 1217040 1277898 1440726 1784593

1020409 1269456 1248893 1344033 1489096 1815070

1075848 1315057 1306298 1422108 1553207 1864242

1083575 1334415 1341026 1534747 1627059 1879174

1093340 1306717 1343738 1633345 1698864 1854187

1110999 1302947 1344431 1555433 1762091 1837304

1100696 1280023 1308118 1498179 1757891 1791375

1229436 1372989 1438992 1550028 1899625 1942582

2009 2010 2011 2012 2013 2014 depozitebi ucxouri valutiT

871492 1075086 1514379 2338537 2502033 3184735

842601 1161722 1556690 2426233 2586574 3307697

817904 1214129 1548334 2284169 2557735 3303760

811813 1274335 1785436 2420652 2695491 3315130

813287 1218041 1684255 2359690 2704766 3337885

835120 1268086 1690351 2342207 2860515 3393293

883379 1297097 1830207 2499080 2864489 3457598

917572 1316128 1908691 2484988 3050736 3603416

990882 1318424 1881507 2417540 3093724 3627113

1026783 1393488 1995885 2363025 3250691 3719062

1068404 1505482 1965557 2304321 3310003 3825129

1101050 1587265 2344188 2519134 3518777 3968728

2009 2010 2011 2012 2013 2014

2283767 2514219 3207991 3161683 3840912 4543589

2232139 2488047 3177853 3207130 3896151 4513189

2037548 2436488 3167440 3270748 3984252 4532025

1821114 2444533 3063568 3091386 3970797 4716886

1858881 2493126 3093841 3556930 3985239 4723734

1891355 2616846 3224957 3556687 4005088 4922547

1963469 3138073 3084781 3946352 4135714 4856367

2132454 3189504 3231972 3951971 4148787 4791043

2174247 3249008 3333009 3738234 4161214 5035443

2255063 3155573 3209698 3814211 4175831 4941079

2205093 2990131 3079246 3845950 4271674 5138101

2433121 3238755 3314598 3834577 4418216 5278526

farTo fuli ucxouri valutiT depozitebis gareSe (M2)

2.3. fulis masis agregatebis dinamika ianvari

Tebervali

marti

aprili

maisi

ivnisi

ivlisi

agvisto

seqtemberi oqtomberi

noemberi

gagrZeleba dekemberi

procentobiT farTo fuli (M3) 2009 2010 2011 2012 2013 2014 farTo fuli ucxouri valutiT depozitebis gareSe(M2) 2009 2010 2011 2012 2013 2014 bankebs gareT arsebuli naRdi fuli (M0) 2009 2010 2011 2012 2013 2014 depozitebi erovnuli valutiT

100.0 100.0 100.0 100.0 100.0 100.0

44.9 46.8 46.3 53.6 50.6 51.9

44.7 48.1 46.7 53.6 50.8 52.8

46.6 49.6 46.3 52.1 49.9 52.6

49.9 50.5 49.5 54.4 51.0 51.9

49.4 49.6 48.4 50.6 51.0 52.0

49.5 49.2 47.7 50.9 52.1 51.4

49.9 45.4 50.4 49.8 51.6 52.3

48.4 45.4 50.1 50.4 53.0 53.4

48.9 44.7 49.2 52.0 53.5 52.1

48.7 46.1 51.0 50.7 54.6 52.9

49.6 48.2 51.5 49.7 54.3 52.2

48.9 47.8 53.3 51.5 55.1 52.8

53.2 51.3 45.2 35.9 36.3 35.1

53.3 49.6 44.0 34.6 35.6 34.4

54.0 49.4 43.3 35.9 35.7 34.2

55.3 48.9 40.5 34.5 34.8 34.8

55.3 50.3 41.9 35.1 34.8 34.8

55.0 50.0 42.5 36.5 34.2 34.8

54.9 50.3 41.6 36.3 35.2 35.0

54.1 50.3 41.3 38.2 34.8 34.3

52.5 49.8 41.7 40.3 35.4 33.8

52.0 48.3 40.2 39.7 35.2 33.1

50.7 46.0 40.0 39.4 34.7 31.9

52.8 46.4 38.0 38.1 35.1 32.9

2009 2010 2011 2012 2013 2014 depozitebi ucxouri valutiT

46.8 48.7 54.8 64.1 63.7 64.9

46.7 50.4 56.0 65.4 64.4 65.6

46.0 50.6 56.7 64.1 64.3 65.8

44.7 51.1 59.5 65.5 65.2 65.2

44.7 49.7 58.1 64.9 65.2 65.2

45.0 50.0 57.5 63.5 65.8 65.2

45.1 49.7 58.4 63.7 64.8 65.0

45.9 49.7 58.7 61.8 65.2 65.7

47.5 50.2 58.3 59.7 64.6 66.2

48.0 51.7 59.8 60.3 64.8 66.9

49.3 54.0 60.0 60.6 65.3 68.1

47.2 53.6 62.0 61.9 64.9 67.1

2009 2010 2011 2012 2013 2014

55.1 53.2 53.7 46.4 49.4 48.1

55.3 51.9 53.3 46.4 49.2 47.2

53.4 50.4 53.7 47.9 50.1 47.4

50.1 49.5 50.5 45.6 49.0 48.1

50.6 50.4 51.6 49.4 49.0 48.0

50.5 50.8 52.3 49.1 47.9 48.6

50.1 54.6 49.6 50.2 48.4 47.7

51.6 54.6 49.9 49.6 47.0 46.6

51.1 55.3 50.8 48.0 46.5 47.9

51.3 53.9 49.0 49.3 45.4 47.1

50.4 51.8 48.5 50.3 45.7 47.8

51.1 52.2 46.7 48.5 44.9 47.2

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

wminda ucxouri aqtivebi ucxouri aqtivebi oqro nasesxobis specialuri uflebebi (nsu) ucxouri valuta sxva ucxouri aqtivebi ucxouri valdebulebebi ssfâ&#x20AC;&#x201C;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

ian-13

Teb-13

3884062 4842042 0 364140 4476793 1108 -957979 -956204 -1775 -834199 -410684 -410684 530566 3 -941253 0 0 0 0

3962030 4896142 0 350451 4544624 1068 -934112 -933081 -1032 -813790 -352473 -352473 530653 3 -883128 0 0 0 0

4058535 4880444 0 358452 4517003 4989 -821909 -819597 -2312 -1084596 -630095 -630095 522478 3 -1152575 0 0 0 0

4088365 4906734 0 362380 4536634 7721 -818369 -815653 -2715 -866431 -475619 -475619 522900 3 -998521 0 0 0 0

4188082 4993539 0 354613 4631272 7654 -805457 -803272 -2185 -1056904 -527226 -527226 523175 3 -1050403 0 0 0 0

4217591 4930164 0 357542 4564916 7706 -712573 -709784 -2789 -1031742 -441268 -441268 522608 3 -963879 0 0 0 0

0 0 0 0 2034 0 -443173 120000 -563173

0 0 0 0 1994 0 -513365 50000 -563365

0 0 0 0 1966 0 -507837 115206 -623043

0 0 0 0 1923 0 -442036 260161 -702197

0 0 0 0 1856 0 -625131 175020 -800152

0 0 0 0 1829 0 -689758 150016 -839775

0 17624 3047796 1749013 1298783 877947 877947 378270 73113 42566 2067 2067 0

0 50053 3146226 1714529 1431697 867329 867329 510545 110090 53823 2014 2014 0

0 51370 2972029 1746055 1225974 864976 864976 354374 101125 6624 1910 1910 0

0 49301 3220089 1804007 1416082 861579 861579 528496 179008 26007 1845 1845 0

0 93597 3129435 1759565 1369870 872526 872526 436348 164512 60995 1743 1743 0

0 97456 3184262 1822327 1361935 887012 887012 309772 160473 165151 1587 1587 0

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

mar-13

apr-13

mai-13

ivn-13

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

ivl-13

აგვ-13

seq-13

oqt-13

noe-13

dek-13

4335484 5051153 0 366788 4676493 7872 -715669 -712997 -2672 -1031929 -451084 -451084 523599 3 -974686 0 0 0 0

4433151 5147671 0 362710 4779409 5552 -714520 -712393 -2126 -944034 -460349 -460349 522493 3 -982844 0 0 0 0

4506718 5121989 0 368101 4748747 5141 -615271 -613190 -2081 -849908 -419243 -419243 522415 3 -941660 0 0 0 0

4587430 5202482 0 373452 4823817 5212 -615052 -612893 -2159 -922900 -288123 -288123 522879 3 -811004 0 0 0 0

4514279 5133371 0 374214 4753810 5347 -619092 -617480 -1612 -775895 -195010 -195010 523121 3 -718133 0 0 0 0

4317813 4903770 0 385345 4516936 1489 -585957 -584220 -1737 -328730 35307 35307 523581 3 -488277 0 0 0 0

0 0 0 0 1779 0 -664431 177116 -841547

0 0 1375 0 1755 0 -542347 300031 -842378

0 0 1375 0 1697 0 -473491 350144 -823635

0 0 1375 0 1482 0 -644118 120000 -764118

0 0 1375 0 1429 0 -574533 150015 -724549

0 0 3581 0 1342 0 -284521 400200 -684721

0 81806 3302037 1885006 1417031 903817 903817 295543 172973 217672 1518 1518 0

0 55532 3487679 1997773 1489906 899083 899083 554132 156233 36691 1439 1439 0

0 39755 3655479 2065559 1589919 917373 917373 550554 135489 121993 1332 1332 0

0 6484 3663278 2109420 1553858 931392 931392 418667 126875 203798 1252 1252 0

0 -9156 3737236 2137069 1600168 936575 936575 375664 144742 287929 1148 1148 0

0 -84439 3989083 2351553 1637531 992621 992621 348096 141947 296814 0 0 0

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

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

gagrZeleba

ian-14

Teb-14

mar-14

apr-14

mai-14

ivn-14

3979585 4575650 0 399843 4173884 1923 -596065 -594418 -1647 -221375 -43728 -43728 522312 3 -566042 0 0 0 0

4010769 4594022 0 388457 4203859 1706 -583252 -581452 -1801 -291440 29773 29773 522208 3 -492437 0 0 0 0

4019098 4543193 0 388534 4152559 2100 -524095 -521185 -2911 -357495 -92906 -92906 518866 3 -611775 0 0 0 0

4012712 4538597 0 396964 4139459 2175 -525886 -522863 -3023 -155025 6246 6246 518553 3 -512310 0 0 0 0

3993331 4515250 0 393354 4119450 2446 -521919 -519522 -2397 -187502 -22213 -22213 519699 3 -541915 0 0 0 0

3913299 4421189 0 393992 4024991 2206 -507890 -505459 -2432 -64754 105274 105274 519280 3 -414009 0 0 0 0

0 0 3581 0 1319 0 -45289 610066 -655355

0 0 3581 0 1294 0 -225438 400044 -625482

0 0 3481 0 1267 0 -155800 420184 -575984

0 0 3882 0 1244 0 -8241 548010 -556251

0 0 3882 0 1227 0 -15986 470052 -486038

0 0 3882 0 1209 0 -15996 450197 -466193

0 -137258 3756142 2097932 1658210 1015303 1015303 592600 171886 50306 2069 2069 0

0 -100651 3717321 2131254 1586067 999879 999879 482236 156941 103952 2008 2008 0

0 -113537 3659706 2115493 1544213 992174 992174 440982 149819 111056 1896 1896 0

0 -158157 3855910 2159671 1696238 1009571 1009571 629792 162810 56876 1777 1777 0

0 -154411 3804159 2164141 1640018 1021302 1021302 541986 155183 76730 1670 1670 0

0 -159123 3846994 2209451 1637542 1017365 1017365 543053 172243 77124 1551 1551 0

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

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

gagrZeleba

ivl-14

აგვ-14

seq-14

oqt-14

noe-14

dek-14

3862707 4356534 0 389564 3964577 2394 -493828 -490389 -3439 39779 113901 113901 520829 3 -406930 0 0 0 0

4219803 4702987 0 379631 4321258 2098 -483184 -480219 -2965 -229516 -41366 -41366 521394 3 -562763 0 0 0 0

4276754 4737093 0 375065 4359625 2403 -460339 -458115 -2224 -218870 -148248 -148248 520740 3 -668991 0 0 0 0

4223692 4674529 0 374730 4295953 3847 -450837 -449354 -1482 -201513 -10862 -10862 521818 3 -532683 0 0 0 0

4325712 4792972 0 387268 4402170 3534 -467260 -465181 -2079 -273712 81113 81113 522537 3 -441427 0 0 0 0

4564842 5033668 0 388675 4641389 3605 -468826 -467431 -1395 -63832 -66310 -66310 521623 3 -587935 0 0 0 0

0 0 3882 0 1141 0 28982 530000 -501018

0 0 3481 0 1090 0 -101245 400000 -501245

0 0 3481 0 1067 0 -1113 500274 -501387

0 0 3481 0 1050 0 -116119 350038 -466158

0 0 3481 0 1030 0 -166204 300033 -466236

0 0 3468 0 1010 0 211654 712500 -500846

0 -108128 3901000 2264280 1636720 1026946 1026946 573049 197665 36725 1485 1485 0

0 -91475 3988861 2317334 1671527 1044540 1044540 600967 199628 26019 1426 1426 0

0 -74057 4056513 2295072 1761441 1057756 1057756 656840 210507 46845 1371 1371 0

0 -79062 4020879 2265104 1755775 1074988 1074988 623599 194455 57188 1300 1300 0

0 -193132 4050812 2220580 1830232 1114622 1114622 610597 211710 105013 1188 1188 0

0 -213653 4501010 2462108 2038901 1154372 1154372 646381 172276 238148 0 0 0

wyaro: saqarTvelos erovnuli bankis naerTi balansi.

2.5. sxva depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari) ian-13 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

Teb-13

mar-13

apr-13

mai-13

ivn-13

-2790024 1117003 0 10311 123743 -3992011 -49070 9130902 271509 485275 485496 52479 -39580

-2810429 1077055 0 9675 121829 -3969864 -49124 9291140 245818 450392 487943 39314 -64092

-2755296 1059078 0 11103 118858 -3890307 -54027 9295372 299086 534836 556213 55276 -64053

-2921344 989316 0 12219 97682 -3941437 -79124 9585787 339895 569482 608812 40914 -67507

-3023688 963259 0 13539 150334 -4064705 -86116 9711950 335815 569840 622861 44271 -84915

-3061910 994315 5 16671 151212 -4126903 -97211 9925926 292682 572921 613745 47290 -76208

-13119 -152797 265 -153062 -60970

-12772 -156089 244 -156333 -48485

-12600 -186916 223 -187139 -48834

-12737 -188915 0 -188915 -40673

-12376 -191533 0 -191533 -42493

-11906 -236868 0 -236868 -43372

66554 53512 5172875 3971947 3420019 1808685 399639 1577297 320736 878295 378266 503756 517987

61979 48843 5145841 3955259 3451454 1826360 401895 1663325 284908 867872 510544 584853 462593

63161 48162 5141228 3928452 3537819 1853325 400818 1548911 328936 865601 354374 542032 382379

65025 48488 5170046 3960984 3626770 1855556 400441 1757761 366826 862439 528496 484578 391011

55931 39744 5190764 4008051 3694633 1863694 400877 1620847 318839 873496 428512 697056 369148

59763 41399 5303760 4104202 3770034 1881314 405420 1531099 333231 888096 309772 866189 377881

-499184 605254 -120301 -2280745 1767222 -4047968

-444137 616734 -50336 -2264026 1784430 -4048456

-353716 629074 -115705 -2237683 1784032 -4021715

-373267 727637 -260803 -2258728 1883406 -4142134

-357822 860870 -175141 -2283973 1893810 -4177783

-366136 1004784 -150339 -2303021 1888663 -4191683

-128254 -71781 -3847932 6340878 2499966 3840912

-147259 -37620 -3863577 6480711 2584560 3896151

-148027 -11429 -3862258 6540077 2555825 3984252

-147669 -12243 -3982222 6664444 2693647 3970797

-147062 -13640 -4017082 6688262 2703023 3985239

-147949 -16780 -4026955 6864016 2858928 4005088

wyaro: komerciuli bankebis naerTi balansi.

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

აგვ-13

ivl-13 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

seq-13

oqt-13

noe-13

dek-13

-2907322 964131 0 17641 147513 -3949205 -87402 9906007 255201 584741 627112 49213 -79517

-2918404 1022125 0 23063 149249 -4038656 -74185 10116488 399276 721465 748943 48217 -64317

-2943731 1007264 0 25430 150897 -4032874 -94447 10197337 388438 728340 760772 54096 -74950

-2962796 942108 0 25382 153934 -4011249 -72972 10388067 425144 758891 796612 53930 -79855

-3008177 1323839 0 24562 158576 -4434133 -81021 10588706 412184 767523 804124 53414 -78178

-3122593 1396664 0 23825 221538 -4703535 -61085 11059587 534487 788863 826538 49729 -74828

-12066 -282420 0 -282420 -47120

-11378 -274771 518 -275289 -47418

-11578 -284748 520 -285268 -55154

-11795 -275289 521 -275810 -58459

-11837 -288268 0 -288268 -67071

-12576 -184428 0 -184428 -69948

62865 43346 5204374 3988946 3837065 1899182 409263 1532248 331799 904906 295543 893536 428862

60332 42471 5237201 4019272 3979284 1948127 404238 1825156 370714 900310 554132 589975 502504

57591 44043 5370516 4067834 4022703 1957960 399707 1836192 366696 918943 550554 606844 460010

52888 39148 5392248 4085578 4105063 1961290 400342 1698899 347329 932914 418655 859265 508126

58550 44892 5548590 4141989 4232334 1951131 400579 1693048 379177 938206 375664 873934 561895

66461 53324 5882414 4399702 4425261 1954942 385880 1793350 451927 993327 348096 590577 530840

-417140 1059218 -177403 -2288545 1948523 -4237068

-490641 878614 -300503 -2378974 1973372 -4352346

-447978 945410 -350598 -2484655 1976515 -4461170

-496233 967907 -120535 -2545782 1969254 -4515036

-550216 1012567 -150313 -2630512 1971263 -4601775

-521841 981982 -400404 -2618843 1998088 -4616931

-147046 -16868 -4073154 6998685 2862971 4135714

-151754 -13257 -4187334 7198084 3049297 4148787

-152553 -13503 -4295113 7253606 3092392 4161214

-136506 -13788 -4364742 7425270 3249439 4175831

-139250 -13865 -4448660 7580529 3308855 4271674

-160492 -11510 -4444928 7936993 3518777 4418216

wyaro: komerciuli bankebis naerTi balansi.

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

ian-14 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

Teb-14

mar-14

apr-14

mai-14

ivn-14

-2948247 1589840 0 29338 165327 -4684482 -48270 10674502 526158 800776 845995 49222 -78352

-3037428 1374512 1753 29873 160455 -4554052 -49969 10856307 584093 852424 946956 48444 -127079

-3027801 1327908 58739 77251 158560 -4594013 -56246 10861690 595954 880459 1027772 48052 -179421

-3032845 1403133 53922 76142 157464 -4677581 -45925 11063084 642772 919705 1054621 47292 -166006

-3175075 1325667 56256 73625 157557 -4755233 -32948 11235024 698795 964038 1095030 49008 -164562

-2925134 1497423 58157 84888 162408 -4703775 -24235 11239423 646573 990543 1148506 53930 -196584

-16089 -200055 0 -200055 -74562

-15897 -188395 0 -188395 -79936

-15943 -202541 0 -202541 -81964

-16202 -192020 0 -192020 -84913

-15438 -174754 0 -174754 -90488

-15308 -245407 0 -245407 -98563

61765 48552 5864353 4378154 4490622 1970214 384694 1981164 372283 1016281 592600 111657 509823

60614 47705 5810105 4299723 4523060 1948255 399572 1878864 395594 1001096 482174 341295 536643

66104 46038 5889566 4327657 4649502 1997549 360537 1830175 395973 993330 440872 273446 708911

77613 60501 5916500 4389209 4754005 2059736 404780 2033353 392639 1010922 629792 77687 644465

61676 41865 5891411 4354499 4852595 2115378 409556 1944461 379547 1022881 542033 105458 640747

58611 38431 6090316 4421061 4945059 2167801 412550 1956267 394382 1018833 543052 106143 647960

-493203 705740 -610704 -2745912 2001064 -4746976

-523989 729691 -401050 -2741297 1980775 -4722071

-701617 687239 -421086 -2803595 2049605 -4853200

-631441 613300 -548636 -2843625 2056783 -4900408

-627479 563048 -470857 -2728929 2056352 -4785281

-634677 543638 -450778 -2976096 2063403 -5039499

-159199 -41525 -4546252 7726255 3182666 4543589

-153194 -44605 -4524272 7818878 3305689 4513189

-153557 -44863 -4654780 7833889 3301864 4532025

-141394 -45014 -4714000 8030240 3313354 4716886

-141361 -44739 -4599181 8059949 3336215 4723734

-141246 -44788 -4853465 8314289 3391742 4922547

wyaro: komerciuli bankebis naerTi balansi.

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

აგვ-14

ivl-14 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

seq-14

oqt-14

noe-14

dek-14

-2923539 1482449 58388 79892 164472 -4691333 -17407 11236018 724435 1011855 1211127 58369 -242998

-3039232 1473563 65259 82300 164036 -4794776 -29613 11432265 744317 1044857 1285714 59331 -286485

-2991895 1448560 65113 81951 239768 -4806546 -20741 11653081 703004 1048412 1294495 64668 -297298

-3159597 1160481 65057 84274 325846 -4775321 -19933 11818437 718919 1068669 1322225 64150 -304309

-3446337 1040166 66171 85948 345042 -4957492 -26171 12408379 671021 1012778 1327035 64553 -365035

-3640769 1073094 73158 89288 342273 -5192281 -26301 12888024 715244 1082714 1373565 45546 -323370

-14644 -185242 0 -185242 -102178

-13704 -191860 0 -191860 -108680

-13453 -226753 0 -226753 -118655

-13397 -222691 0 -222691 -127060

-13775 -209159 0 -209159 -132598

-13027 -244197 0 -244197 -123273

58706 39154 5989674 4318817 5036882 2187372 420387 2001642 400039 1028569 573034 17755 635480

54033 39271 5990012 4350081 5086181 2197420 417260 2085490 438161 1046362 600967 134195 633802

53646 39647 6189112 4476930 5213299 2276024 416497 2157733 440885 1060023 656825 58540 674615

69772 38781 6178217 4444691 5324339 2340517 440879 2128825 427800 1077426 623599 181890 595650

72893 41292 6541679 4731927 5536137 2506835 446130 2157456 429205 1118844 609407 290011 673312

74938 46513 6884735 4944803 5824122 2651829 474842 2322967 519527 1157059 646381 47765 673568

-624259 537786 -531252 -3013463 2097081 -5110544

-624925 527187 -401870 -3079223 2085416 -5164639

-662691 548373 -501757 -3138749 2105855 -5244604

-586631 523631 -350761 -3224402 2113580 -5337983

-654246 571871 -300926 -3306948 2136697 -5443645

-652873 740220 -713150 -3456589 2113363 -5569952

-137872 -60839 -4911833 8312479 3456112 4856367

-137864 -60490 -4966284 8393033 3601990 4791043

-139486 -60205 -5044913 8661185 3625742 5035443

-139659 -61529 -5136794 8658840 3717761 4941079

-147447 -70294 -5225905 8962042 3823941 5138101

-148109 -74783 -5347061 9247254 3968728 5278526

wyaro: komerciuli bankebis naerTi balansi.

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari) ian-13

Teb-13

mar-13

apr-13

1094038 3884062 -2790024 6677185 8921945 -139176 -410684 485275 0 -152797 0 -60970

1151601 3962030 -2810429 6760745 8956509 -106655 -352473 450392 0 -156089 0 -48485

1303239 4058535 -2755296 6655867 8813983 -331009 -630095 534836 0 -186916 0 -48834

1167022 4088365 -2921344 6936448 9128481 -135724 -475619 569482 0 -188915 0 -40673

1164393 4188082 -3023688 6966337 9152651 -191411 -527226 569840 0 -191533 0 -42493

1155681 4217591 -3061910 7199018 9392219 -148586 -441268 572921 0 -236868 0 -43372

66554

61979

63161

65025

55931

59763

66554 5172875

61979 5145841

63161 5141228

65025 5170046

55931 5190764

59763 5303760

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

5172875 3422053 2034 3420019 399639 399639 -2244761 -1724332 -443173

5145841 3453448 1994 3451454 401895 401895 -2195764 -1895008 -513365

5141228 3539785 1966 3537819 400818 400818 -2158117 -1682441 -507837

5170046 3628693 1923 3626770 400441 400441 -2192033 -1808817 -442036

5190764 3696488 1856 3694633 400877 400877 -2186313 -1901404 -625131

5303760 3771863 1829 3770034 405420 405420 -2193201 -1954238 -689758

-1298783 17624 -520428 878295 378266 503756 -2280745 7771223 3930310 3161276 1428277 1732999 769034 3840912

-1431697 50053 -300756 867872 510544 584853 -2264026 7912346 4016195 3186351 1429621 1756730 829844 3896151

-1225974 51370 -475676 865601 354374 542032 -2237683 7959106 3974854 3111920 1417119 1694801 862934 3984252

-1416082 49301 -383216 862439 528496 484578 -2258728 8103469 4132672 3219923 1437181 1782742 912749 3970797

-1369870 93597 -284910 873496 428512 697056 -2283973 8130731 4145492 3260289 1440726 1819563 885203 3985239

-1361935 97456 -238963 888096 309772 866189 -2303021 8354699 4349611 3392516 1489096 1903420 957095 4005088

wminda ucxouri aqtivebi wminda ucxouri aqtivebi (seb) wminda ucxouri aqtivebi (sdk) wminda saSinao aqtivebi saSinao sesxebi mTavrobis wminda davalianeba centraluri mTavrobis wminda centraluri mTavrobis wminda adgilobrivi mTavrobis wminda adgilobrivi mTavrobis wminda misaRebi procentebi (seb) misaRebi procentebi (sdk)

davalianeba davalianeba davalianeba davalianeba

(seb) (sdk) (seb) (sdk)

saxelmwifo arasafinanso korporaciebis davalianeba saxelmwifo arasafinanso korporaciebis davalianeba (seb) saxelmwifo arasafinanso korporaciebis davalianeba (sdk) sxva arasafinanso korporaciebis davalianeba

wyaro: seb-is da komerciuli bankebis balansebi.

mai-13

ivn-13

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

gagrZeleba

ivl-13

á&#x192;?á&#x192;&#x2019;á&#x192;&#x2022;-13

seq-13

oqt-13

1428162 4335484 -2907322 7125248 9319464 -195882 -451084 584741 0 -282420 0 -47120

1514747 4433151 -2918404 7311835 9623113 -61072 -460349 721465 0 -274771 0 -47418

1562987 4506718 -2943731 7390814 9822784 -30805 -419243 728340 0 -284748 0 -55154

1624634 4587430 -2962796 7563980 10090420 137021 -288123 758891 0 -275289 0 -58459

1506102 4514279 -3008177 7833466 10460031 217174 -195010 767523 0 -288268 0 -67071

1195220 4317813 -3122593 8641399 11334732 569793 35307 788863 0 -184428 0 -69948

62865

60332

57591

52888

58550

66461

62865 5204374

60332 5238575

57591 5371890

52888 5393623

58550 5549965

66461 5885995

sxva arasafinanso korporaciebis davalianeba (seb)

1375

3581

5204374 3838844 1779 3837065 409263 409263 -2194216 -1999656 -664431

5237201 3981039 1755 3979284 404238 404238 -2311278 -1976721 -542347

5370516 4024401 1697 4022703 399707 399707 -2431970 -2023656 -473491

5392248 4106545 1482 4105063 400342 400342 -2526440 -2191492 -644118

5548590 4233763 1429 4232334 400579 400579 -2626565 -2183857 -574533

5882414 4426603 1342 4425261 385880 385880 -2693333 -2006490 -284521

-1417031 81806 -194560 904906 295543 893536 -2288545 8553410 4417696 3451357 1553207 1898150 966339 4135714

-1489906 55532 -334557 900310 554132 589975 -2378974 8826582 4677795 3668256 1627059 2041197 1009538 4148787

-1589919 39755 -408314 918943 550554 606844 -2484655 8953801 4792587 3770154 1698864 2071291 1022433 4161214

-1553858 6484 -334948 932914 418655 859265 -2545782 9188613 5012782 3953390 1762091 2191299 1059392 4175831

-1600168 -9156 -442708 938206 375664 873934 -2630512 9339568 5067894 4003538 1757891 2245647 1064356 4271674

-1637531 -84439 -686843 993327 348096 590577 -2618843 9836619 5418403 4307502 1899625 2407876 1110901 4418216

davalianeba davalianeba davalianeba davalianeba

(seb) (sdk) (seb) (sdk)

wyaro: seb-is da komerciuli bankebis balansebi.

noe-13

dek-13

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari) ian-14

Teb-14

mar-14

gagrZeleba apr-14

mai-14

ivn-14

1031338 3979585 -2948247 8422635 11288765 482431 -43728 800776 0 -200055 0 -74562

973341 4010769 -3037428 8583205 11412092 613866 29773 852424 0 -188395 0 -79936

991296 4019098 -3027801 8564009 11473506 503048 -92906 880459 0 -202541 0 -81964

979867 4012712 -3032845 8819181 11807042 649018 6246 919705 0 -192020 0 -84913

818256 3993331 -3175075 9027956 11896929 676582 -22213 964038 0 -174754 0 -90488

988164 3913299 -2925134 9142745 12263473 751847 105274 990543 0 -245407 0 -98563

61765

60614

66104

77613

61676

58611

61765 5867934

60614 5813686

66104 5893047

77613 5920382

61676 5895293

58611 6094198

sxva arasafinanso korporaciebis davalianeba (seb)

3581

3481

3882

5864353 4491941 1319 4490622 384694 384694 -2866131 -1840756 -45289

5810105 4524354 1294 4523060 399572 399572 -2828887 -1912156 -225438

5889566 4650770 1267 4649502 360537 360537 -2909497 -1813550 -155800

5916500 4755249 1244 4754005 404780 404780 -2987860 -1862636 -8241

5891411 4853822 1227 4852595 409556 409556 -2868973 -1810415 -15986

6090316 4946267 1209 4945059 412550 412550 -3120728 -1812661 -15996

-1658210 -137258 -1025374 1016281 592600 111657 -2745912 9453973 4910384 3800826 1725649 2075176 1109558 4543589

-1586067 -100651 -916731 1001096 482174 341295 -2741297 9556546 5043357 3878123 1735660 2142463 1165234 4513189

-1544213 -113537 -1095947 993330 440872 273446 -2803595 9555305 5023280 3866455 1719520 2146935 1156825 4532025

-1696238 -158157 -1125225 1010922 629792 77687 -2843625 9799048 5082162 3884541 1767032 2117509 1197621 4716886

-1640018 -154411 -1058557 1022881 542033 105458 -2728929 9846213 5122478 3908268 1784593 2123675 1214210 4723734

-1637542 -159123 -1308067 1018833 543052 106143 -2976096 10130909 5208363 3995785 1815070 2180716 1212577 4922547

davalianeba davalianeba davalianeba davalianeba

(seb) (sdk) (seb) (sdk)

wyaro: seb-is da komerciuli bankebis balansebi.

2.6. depozituri korporaciebis mimoxilva (periodis bolos; aTasi lari) á&#x192;?á&#x192;&#x2019;á&#x192;&#x2022;-14

ivl-14

seq-14

gagrZeleba oqt-14

noe-14

dek-14

939168 3862707 -2923539 9239038 12349009 838336 113901 1011855 0 -185242 0 -102178

1180571 4219803 -3039232 9093061 12255007 702950 -41366 1044857 0 -191860 0 -108680

1284858 4276754 -2991895 9231885 12431857 554756 -148248 1048412 0 -226753 0 -118655

1064096 4223692 -3159597 9433349 12725794 708057 -10862 1068669 0 -222691 0 -127060

879375 4325712 -3446337 9875230 13353483 752134 81113 1012778 0 -209159 0 -132598

924073 4564842 -3640769 10265763 13912049 648934 -66310 1082714 0 -244197 0 -123273

58706

54033

53646

69772

72893

74938

58706 5993556

54033 5993493

53646 6192593

69772 6181698

72893 6545160

74938 6888203

sxva arasafinanso korporaciebis davalianeba (seb)

3882

3481

3468

5989674 5038023 1141 5036882 420387 420387 -3109971 -1715865 28982

5990012 5087271 1090 5086181 417260 417260 -3161946 -1864247 -101245

6189112 5214366 1067 5213299 416497 416497 -3199973 -1836611 -1113

6178217 5325389 1050 5324339 440879 440879 -3292445 -1950957 -116119

6541679 5537167 1030 5536137 446130 446130 -3478253 -2189567 -166204

6884735 5825132 1010 5824122 474842 474842 -3646285 -2040901 211654

-1636720 -108128 -1394105 1028569 573034 17755 -3013463 10178206 5321839 4060770 1864242 2196528 1261069 4856367

-1671527 -91475 -1297699 1046362 600967 134195 -3079223 10273633 5482590 4139800 1879174 2260626 1342790 4791043

-1761441 -74057 -1363362 1060023 656825 58540 -3138749 10516743 5481300 4114615 1854187 2260428 1366685 5035443

-1755775 -79062 -1341488 1077426 623599 181890 -3224402 10497444 5556365 4155990 1837304 2318687 1400375 4941079

-1830232 -193132 -1288686 1118844 609407 290011 -3306948 10754605 5616504 4226851 1791375 2435476 1389653 5138101

-2038901 -213653 -1605384 1157059 646381 47765 -3456589 11189836 5911310 4460837 1942582 2518255 1450473 5278526

davalianeba davalianeba davalianeba davalianeba

(seb) (sdk) (seb) (sdk)

wyaro: seb-is da komerciuli bankebis balansebi.

III. komerciuli bankebi 3.1. safinanso seqtoris institutebi (periodis bolos) 2010 komerciuli bankebi, sul maT Soris: ucxouri kapitalis monawileobiT yovel 100000 kacze filialebi serviscentrebi komerciuli bankebis: gancxadebuli sawesdebo fondi, aTasi lari saaqcio kapitali, aTasi lari

2011

2012

2013

2014

16* 0.43 119 522

18* 0.43 144 564

17* 0.42 142 691

20* 0.47 164 739

19* 0.47 168 796

805147 1787647

915583 2104361

909167 2390064

1053978 2916232

1157712 3586798

1624 36.61

1500 33.56

1029 22.88

1089 24.29

1116 24.85

49 1

62 1

67 1

70 1

16 6

15 7

15 6

14 5

16 5

valutis gadamcvleli punqtebi (licenzirebuli) yovel 100000 kacze arasabanko sadepozito dawesebulebebi, erTeuli mikrosafinanso organizaciebi (licenzirebuli) safondo birJebi, erTeuli sadazRvevo kompaniebi (moqmedi), erTeuli sapensio sqemebi, erTeuli * ararezidenti bankebis filialebis CaTvliT.

3.2. komerciuli bankebis dajgufeba ganaRdebuli sawesdebo kapitalis mixedviT 10 mln laramde

10 mln lari da meti

sul

4 4 4 4 4 3 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2

15 16 16 16 16 17 18 18 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19

19 20 20 20 20 20 20 20 21 21 21 21 21 21 21 21 21 21 21 21 21 21 21 21 21

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

3.3. komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika ian-13

Teb-13

mar-13

apr-13

mai-13

ivn-13

ivl-13

აგვ-13

სექ-13

oqt-13

noe-13

dek-13 911411 3020401 23786 1494109 9862813 0

periodis bolos; aTasi lari naRdi fuladi saxsrebi fuladi saxsrebi sabanko angariSebze fasiani qaRaldebi dilinguri operaciebisaTvis sainvesticio fasiani qaRaldebi wminda sesxebi samTavrobo sesxebi

657636 2578507 10540 1039149 8058686 263

598167 2639281 9905 1041916 8065629 243

646807 2331009 11334 1170362 8124817 221

732258 2403110 12448 1300574 8217706 0

675413 2297461 13767 1409105 8348242 0

657384 2380850 16901 1440763 8538647 0

714019 2400604 17871 1458160 8519721 0

816533 2524810 23027 1577152 8694420 515

739180 2639661 25393 1573196 8864642 515

679877 2617431 25345 1549602 8955352 515

779847 3019562 24524 1512322 9248953 0

samewarmeo seqtorsa da Sinameurneobebze gacemuli sesxebi bankTaSorisi sesxebi sesxebis SesaZlo danakargebis rezervebi (-) misaRebi procentebi da dividendebi investiciebi sawesdebo kapitalSi

8666323 21175 629075 117613 370059

8669049 21166 624828 113992 371226

8743096 21216 639716 124021 370021

8838850 29412 650557 128643 370465

8966174 46545 664477 135954 371150

9163677 44930 669960 131873 374450

9127671 41206 649157 133176 378714

9303947 57456 667498 134463 374348

9481384 59493 676749 130999 368435

9581737 66575 693475 132889 369071

9866322 10469851 78354 95896 695723 702934 139858 134413 370308 354032

ZiriTadi saSualebebi da aramaterialuri aqtivebi sxva wminda aqtivebi mTliani aqtivebi valdebulebebi bankebis depozitebi arasabanko depozitebi depozitebi moTxovnamde m.S. samTavrobo seqtoris vadiani depozitebi m.S. samTavrobo seqtoris

994417 995491 993895 997072 1005225 1002228 1003423 1006207 1007521 1009075 1008843 1020992 334933 343807 346783 406512 398074 388538 433192 436895 435867 421826 426262 449917 14161539 14179414 14119048 14568788 14654391 14931633 15058880 15587855 15784894 15760468 16530478 17271874 11698833 11681838 11594041 12009853 12045798 12318692 12422670 12891826 13022172 12961186 13637333 14378483 604193 555470 458080 477433 472725 484631 514064 544545 513137 650359 723718 623300 7671708 7897564 7973276 8171637 8322232 8530626 8680521 8845383 8939853 9078340 9305363 9664597 3310715 3401962 3394146 3570108 3754364 3766268 3878089 3999376 4072268 4161022 4274912 4492931 192246 219793 250523 255813 275869 312427 361249 338857 359455 354872 365634 258579 4360993 4495602 4579130 4601529 4567867 4764358 4802432 4846008 4867585 4917317 5030451 5171666 246 245 244 243 244 254 249 296 341 341 355 350

daricxuli gadasaxdeli procentebi da dividendebi nasesxebi saxsrebi sxva valdebulebebi sul saaqcio kapitali ganaRdebuli sawesdebo kapitali kapitalis rezervebi gaunawilebeli mogeba mTliani pasivebi

150948 158736 172830 174471 180790 185879 172488 180977 186570 196005 222128 208248 2914669 2766558 2763745 2914101 2837662 2895258 2801196 3047441 3078244 2718281 3075434 3570332 357315 303510 226110 272211 232390 222297 254400 273480 304368 318201 310690 312006 2462706 2497576 2525007 2558935 2608593 2612942 2636211 2696029 2762722 2799282 2893145 2893391 905939 905973 909176 909293 932857 950877 950876 983339 983339 983340 999951 1001419 1134974 1143717 1144749 1141489 1190390 1181741 1183738 1180863 1186213 1188887 1189752 1202198 421793 447887 471082 508153 485346 480324 501596 531826 593169 627056 703443 689775 14161539 14179414 14119048 14568788 14654391 14931633 15058880 15587855 15784894 15760468 16530478 17271874

______________________ wyaro: komerciuli bankebis naerTi balansi.

3.3. komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika gagrZeleba ian-13

Teb-13

mar-13

apr-13

mai-13

ivn-13

ivl-13

აგვ-13

სექ-13

oqt-13

noe-13

dek-13

procentebSi naRdi fuladi saxsrebi fuladi saxsrebi sabanko angariSebze fasiani qaRaldebi dilinguri operaciebisaTvis sainvesticio fasiani qaRaldebi wminda sesxebi samTavrobo sesxebi

4.6 18.2 0.1 7.3 56.9 0.0

4.2 18.6 0.1 7.3 56.9 0.0

4.6 16.5 0.1 8.3 57.5 0.0

5.0 16.5 0.1 8.9 56.4 0.0

4.6 15.7 0.1 9.6 57.0 0.0

4.4 15.9 0.1 9.6 57.2 0.0

4.7 15.9 0.1 9.7 56.6 0.0

5.2 16.2 0.1 10.1 55.8 0.0

4.7 16.7 0.2 10.0 56.2 0.0

4.3 16.6 0.2 9.8 56.8 0.0

4.7 18.3 0.1 9.1 56.0 0.0

5.3 17.5 0.1 8.7 57.1 0.0

samewarmeo seqtorsa da Sinameurneobebze gacemuli sesxebi bankTaSorisi sesxebi sesxebis SesaZlo danakargebis rezervebi (-) daricxuli misaRebi procentebi da dividendebi investiciebi sawesdebo kapitalSi

61.2 0.1 4.4 0.8 2.6

61.1 0.1 4.4 0.8 2.6

61.9 0.2 4.5 0.9 2.6

60.7 0.2 4.5 0.9 2.5

61.2 0.3 4.5 0.9 2.5

61.4 0.3 4.5 0.9 2.5

60.6 0.3 4.3 0.9 2.5

59.7 0.4 4.3 0.9 2.4

60.1 0.4 4.3 0.8 2.3

60.8 0.4 4.4 0.8 2.3

59.7 0.5 4.2 0.8 2.2

60.6 0.6 4.1 0.8 2.0

7.0 2.4 100.0 82.6 4.3 54.2 23.4 1.4 30.8 0.0

7.0 2.4 100.0 82.4 3.9 55.7 24.0 1.6 31.7 0.0

7.0 2.5 100.0 82.1 3.2 56.5 24.0 1.8 32.4 0.0

6.8 2.8 100.0 82.4 3.3 56.1 24.5 1.8 31.6 0.0

6.9 2.7 100.0 82.2 3.2 56.8 25.6 1.9 31.2 0.0

6.7 2.6 100.0 82.5 3.2 57.1 25.2 2.1 31.9 0.0

6.7 2.9 100.0 82.5 3.4 57.6 25.8 2.4 31.9 0.0

6.5 2.8 100.0 82.7 3.5 56.7 25.7 2.2 31.1 0.0

6.4 2.8 100.0 82.5 3.3 56.6 25.8 2.3 30.8 0.0

6.4 2.7 100.0 82.2 4.1 57.6 26.4 2.3 31.2 0.0

6.1 2.6 100.0 82.5 4.4 56.3 25.9 2.2 30.4 0.0

5.9 2.6 100.0 83.2 3.6 56.0 26.0 1.5 29.9 0.0

daricxuli gadasaxdeli procentebi da dividendebi nasesxebi saxsrebi sxva valdebulebebi sul saaqcio kapitali ganaRdebuli sawesdebo kapitali kapitalis rezervebi gaunawilebeli mogeba mTliani pasivebi

1.1 20.6 2.5 17.4 6.4 8.0 3.0 100.0

1.1 19.5 2.1 17.6 6.4 8.1 3.2 100.0

1.2 19.6 1.6 17.9 6.4 8.1 3.3 100.0

1.2 20.0 1.9 17.6 6.2 7.8 3.5 100.0

1.2 19.4 1.6 17.8 6.4 8.1 3.3 100.0

1.2 19.4 1.5 17.5 6.4 7.9 3.2 100.0

1.1 18.6 1.7 17.5 6.3 7.9 3.3 100.0

1.2 19.6 1.8 17.3 6.3 7.6 3.4 100.0

1.2 19.5 1.9 17.5 6.2 7.5 3.8 100.0

1.2 17.2 2.0 17.8 6.2 7.5 4.0 100.0

1.3 18.6 1.9 17.5 6.0 7.2 4.3 100.0

1.2 20.7 1.8 16.8 5.8 7.0 4.0 100.0

______________________ wyaro: komerciuli bankebis naerTi balansi.

3.3. komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika gagrZeleba ian-14

Teb-14

mar-14

აპრ-14

mai-14

ivn-14

ivl-14

agv-14

სექ-14

oqt-14

noe-14

dek-14

periodis bolos; aTasi lari naRdi fuladi saxsrebi fuladi saxsrebi sabanko angariSebze fasiani qaRaldebi dilinguri operaciebisaTvis sainvesticio fasiani qaRaldebi wminda sesxebi samTavrobo sesxebi

794136 3239211 29299 1493149 9839663 0

815178 847212 851230 810698 816202 884531 872061 836992 775648 808717 997140 2976201 2992989 3149330 3054099 3242586 3135798 3219061 3371523 3062909 3056656 3200183 29834 17800 15694 16476 21349 17208 19863 18944 20463 18523 20729 1565062 1656119 1658442 1625173 1657533 1758566 1841693 1854348 1843575 1844511 1927692 9806784 10042523 10160433 10180929 10478339 10468205 10494672 10890078 11058289 11622553 12266618 0 0 0 0 0 0 0 0 0 0 0

samewarmeo seqtorsa da Sinameurneobebze gacemuli sesxebi bankTaSorisi sesxebi sesxebis SesaZlo danakargebis rezervebi (-) misaRebi procentebi da dividendebi investiciebi sawesdebo kapitalSi

10451231 10423655 10628531 10768722 10823428 11109612 11097270 11138630 11548100 11744766 12335805 12965670 97991 103489 137619 136320 120336 118204 139174 129636 120162 98681 102740 103885 709559 720359 723627 744609 762835 749477 768238 773594 778185 785158 815992 802937 136343 129644 136613 139679 148121 155367 158721 161449 152373 162244 171413 180054 357730 373592 389945 435201 436137 444777 451658 448257 446805 471982 480601 504871

1022355 1021728 1028881 1031545 1025049 1025500 1032000 1028229 1039224 1042417 1039354 1043887 444603 435752 474101 472304 473258 479032 497558 483937 505182 501729 527882 476178 17356488 17153774 17586183 17913858 17769942 18320686 18404245 18569222 19115468 18939255 19570210 20617351 14428332 14186843 14542740 14853312 14783645 15109963 15168090 15283484 15779302 15515929 16119296 17030553 583578 610726 794177 728364 741406 765445 729038 756537 804762 721865 783396 808419 9431965 9545137 9667746 9890857 9923230 10213352 10224912 10375620 10695737 10703717 11165507 11617066 4124827 4190141 4245803 4249063 4287280 4636642 4520625 4573881 4851658 4819724 5022910 5193042 277088 270220 292170 267326 247936 338780 283660 290283 337059 338643 384243 375559 5307138 5354996 5421943 5641794 5635950 5576710 5704287 5801739 5844079 5883993 6142597 6424024 845 44737 88645 88878 88865 99786 140391 184225 184200 184135 184303 184970

daricxuli gadasaxdeli procentebi da dividendebi nasesxebi saxsrebi sxva valdebulebebi sul saaqcio kapitali ganaRdebuli sawesdebo kapitali kapitalis rezervebi gaunawilebeli mogeba mTliani pasivebi

180620 179392 189938 192603 187389 180114 159772 171037 180303 185673 196937 167095 3822747 3503918 3512420 3643541 3596096 3573211 3657207 3584110 3661871 3470432 3499403 3977768 409422 347670 378459 397948 335524 377840 397160 396179 436630 434242 474054 460205 2928156 2966931 3043443 3060545 2986297 3210723 3236155 3285738 3336166 3423326 3450914 3586798 1001419 1001542 1080175 1080550 1080570 1084168 1084168 1085897 1089385 1105045 1105031 1105508 1201031 1201270 1206844 1205709 1213160 1379618 1388515 1392445 1396179 1411738 1417350 1459985 725706 764119 756423 774286 692566 746937 763471 807395 850601 906543 928533 1021305 17356488 17153774 17586183 17913858 17769942 18320686 18404245 18569222 19115468 18939255 19570210 20617351

______________________ wyaro: komerciuli bankebis naerTi balansi.

3.3. komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika gagrZeleba ian-14

Teb-14

mar-14

აპრ-14

mai-14

ivn-14

ivl-14

agv-14

სექ-14

oqt-14

noe-14

dek-14

procentebSi naRdi fuladi saxsrebi fuladi saxsrebi sabanko angariSebze fasiani qaRaldebi dilinguri operaciebisaTvis sainvesticio fasiani qaRaldebi wminda sesxebi samTavrobo sesxebi

4.6 18.7 0.2 8.6 56.7 0.0

4.8 17.4 0.2 9.1 57.2 0.0

4.8 17.0 0.1 9.4 57.1 0.0

4.8 17.6 0.1 9.3 56.7 0.0

4.6 17.2 0.1 9.1 57.3 0.0

4.5 17.7 0.1 9.0 57.2 0.0

4.8 17.0 0.1 9.6 56.9 0.0

4.7 17.3 0.1 9.9 56.5 0.0

4.4 17.6 0.1 9.7 57.0 0.0

4.1 16.2 0.1 9.7 58.4 0.0

4.1 15.6 0.1 9.4 59.4 0.0

4.8 15.5 0.1 9.3 59.5 0.0

samewarmeo seqtorsa da Sinameurneobebze gacemuli sesxebi bankTaSorisi sesxebi sesxebis SesaZlo danakargebis rezervebi (-) daricxuli misaRebi procentebi da dividendebi investiciebi sawesdebo kapitalSi

60.2 0.6 4.1 0.8 2.1

60.8 0.6 4.2 0.8 2.2

60.4 0.8 4.1 0.8 2.2

60.1 0.8 4.2 0.8 2.4

60.9 0.7 4.3 0.8 2.5

60.6 0.6 4.1 0.8 2.4

60.3 0.8 4.2 0.9 2.5

60.0 0.7 4.2 0.9 2.4

60.4 0.6 4.1 0.8 2.3

62.0 0.5 4.1 0.9 2.5

63.0 0.5 4.2 0.9 2.5

62.9 0.5 3.9 0.9 2.4

5.9 2.6 100.0 83.1 3.4 54.3 23.8 1.6 30.6 0.0

6.0 2.5 100.0 82.7 3.6 55.6 24.4 1.6 31.2 0.3

5.9 2.7 100.0 82.7 4.5 55.0 24.1 1.7 30.8 0.5

5.8 2.6 100.0 82.9 4.1 55.2 23.7 1.5 31.5 0.5

5.8 2.7 100.0 83.2 4.2 55.8 24.1 1.4 31.7 0.5

5.6 2.6 100.0 82.5 4.2 55.7 25.3 1.8 30.4 0.5

5.6 2.7 100.0 82.4 4.0 55.6 24.6 1.5 31.0 0.8

5.5 2.6 100.0 82.3 4.1 55.9 24.6 1.6 31.2 1.0

5.4 2.6 100.0 82.5 4.2 56.0 25.4 1.8 30.6 1.0

5.5 2.6 100.0 81.9 3.8 56.5 25.4 1.8 31.1 1.0

5.3 2.7 100.0 82.4 4.0 57.1 25.7 2.0 31.4 0.9

5.1 2.3 100.0 82.6 3.9 56.3 25.2 1.8 31.2 0.9

daricxuli gadasaxdeli procentebi da dividendebi nasesxebi saxsrebi sxva valdebulebebi sul saaqcio kapitali ganaRdebuli sawesdebo kapitali kapitalis rezervebi gaunawilebeli mogeba mTliani pasivebi

1.0 22.0 2.4 16.9 5.8 6.9 4.2 100.0

1.0 20.4 2.0 17.3 5.8 7.0 4.5 100.0

1.1 20.0 2.2 17.3 6.1 6.9 4.3 100.0

1.1 20.3 2.2 17.1 6.0 6.7 4.3 100.0

1.1 20.2 1.9 16.8 6.1 6.8 3.9 100.0

1.0 19.5 2.1 17.5 5.9 7.5 4.1 100.0

0.9 19.9 2.2 17.6 5.9 7.5 4.1 100.0

0.9 19.3 2.1 17.7 5.8 7.5 4.3 100.0

0.9 19.2 2.3 17.5 5.7 7.3 4.4 100.0

1.0 18.3 2.3 18.1 5.8 7.5 4.8 100.0

1.0 17.9 2.4 17.6 5.6 7.2 4.7 100.0

0.8 19.3 2.2 17.4 5.4 7.1 5.0 100.0

______________________ wyaro: komerciuli bankebis naerTi balansi.

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi

2013

ian

ian-Teb

ian-mar

ian-apr

ian-mai

ian-ivn

periodis bolos; aTasi lari 181585 129857 649 118802 214 63635 54954 7929 2476 51729

347462 248142 1251 227897 407 122487 105003 14566 4427 99320

529164 375911 1856 347208 363 188227 158618 20609 6237 153253

724317 508823 2410 470583 647 256385 213551 28076 7753 215494

915060 644192 2928 595565 961 325212 269392 36339 9361 270868

1121832 769132 3400 708971 1384 390667 316920 45769 10992 352701

15158

29308

47425

70712

90229

107469

10619

14999

20945

33036

41385

54772

-574 26525 166709 65433 44953 8503 36450 2008 17645 827 73079 28684

-1181 56194 301545 123222 85310 16117 69193 4039 32327 1546 144681 57008

223 84660 457365 186871 130930 24388 106542 5890 47925 2127 215214 89855

1388 110358 613243 249892 176038 33908 142130 7594 63584 2676 291702 121148

2777 136477 769225 314117 221275 43223 178052 9477 80128 3238 361765 149996

5824 184636 950925 375961 264400 51892 212508 11414 96337 3811 457683 180722

7422 36972

14676 72997

21356 104004

28648 141906

36060 175709

43056 233904

28198 25300 0 2898

33642 24216 5 9421

55280 41475 146 13660

71649 38916 146 32587

93342 53188 146 40008

117281 68718 310 48254

mogeba gadasaxadebis gadaxdamde da gauTvaliswinebel xarjebamde (sabalanso mogeba)

14876

45917

71799

111074

145835

170907

gauTvaliswinebeli Semosavali / xarjebi (-) gadaxdili gadasaxadebi wminda mogeba / zarali (-)

26 1863 13039

-123 3517 42277

-453 6086 65260

-653 8731 101690

-1168 12097 132571

-1589 16382 152935

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

wyaro: komerciuli bankebis naerTi balansi.

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi gagrZeleba 2013

ian-ivl

ian-agv

ian-seq

ian-oqt

ian-noe

ian-dek

periodis bolos; aTasi lari 1329624 907181 3862 836419 1782 460902 373735 54240 12660 422443

1546356 1055641 4652 974676 2181 548732 423763 61608 14705 490715

1757155 1198027 5142 1106333 2598 623796 479940 70167 16385 559128

1757165 1198033 5143 1106336 2599 623797 479941 70168 16386 559132

2183202 1484435 6101 1371240 3511 778239 589491 86647 20447 698767

2424246 1634429 6761 1510225 4133 858252 647839 94786 22657 789817

129442

148413

167992

167993

223469

252377

68397

82243

96590

96591

117532

131772

6762 217842 1115675 439265 308926 61302 247623 13413 112446 4480 538006 210923

11834 248225 1310191 504418 351636 70444 281192 15364 132170 5249 626693 248222

14149 280397 1458628 563882 392097 79746 312351 17238 148460 6088 712529 280830

14150 280398 1458639 563887 392099 79747 312352 17239 148461 6089 712532 280831

12877 344889 1758413 685414 474553 100156 374397 22481 180614 7765 880686 345813

11508 394160 1987281 749634 516296 110294 406002 25322 199590 8426 1019402 396149

50443 276640

58286 320185

65618 366082

65619 366083

80332 454541

87741 535512

138404 80086 310 58008

179079 102552 310 76217

182217 99685 692 81839

182220 99686 693 81840

192313 104392 692 87229

218244 131867 1229 85149

mogeba gadasaxadebis gadaxdamde da gauTvaliswinebel xarjebamde (sabalanso mogeba)

213949

236165

298527

298526

424789

436965

gauTvaliswinebeli Semosavali / xarjebi (-) gadaxdili gadasaxadebi wminda mogeba / zarali (-)

-1559 20125 192264

-1645 20909 213610

-2088 21488 274951

-2087 21489 274950

-2313 32254 390222

-3300 44534 389132

wyaro: komerciuli bankebis naerTi balansi.

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi gagrZeleba 2014

ian

ian-Teb

ian-mar

ian-apr

ian-mai

ian-ivn

periodis bolos; aTasi lari 226779 138483 556 128081 707 74491 52884 7759 2087 88296

419044 265953 1004 245652 1454 143230 100969 15132 4165 153090

608811 411137 1538 378960 2349 220268 156343 23931 6707 197675

798821 551172 2067 507203 3294 295649 208261 32910 8991 247649

988448 689426 2557 633209 4240 374799 254170 42170 11490 299022

1208205 837501 3017 769251 5147 454423 309682 51465 13767 370704

19424

38762

60609

82740

100601

125107

10349

20177

30253

41524

47349

56728

4802 53720 184375 62298 39967 9150 30818 2562 19093 676 104506 34521

5822 88329 332065 119840 77197 17641 59556 4943 36596 1105 194438 69323

-5981 112795 497155 180335 115900 27006 88893 7565 54718 2153 274929 104704

-8404 131789 658141 240667 154578 35945 118633 10684 72561 2844 347476 138351

-7636 158708 825399 303402 195111 45064 150048 13779 91008 3503 418273 171560

3726 185143 978083 363210 232990 54058 178931 16851 109241 4129 495835 208631

8073 61913

15285 109830

23095 147130

30927 178198

38844 207869

46658 240546

17571 15999 0 1572

17787 27782 0 -9996

41891 32294 450 9148

69998 64093 450 5456

103723 95284 950 7490

119037 104299 1559 13180

mogeba gadasaxadebis gadaxdamde da gauTvaliswinebel xarjebamde (sabalanso mogeba)

42404

86979

111656

140679

163050

230122

gauTvaliswinebeli Semosavali / xarjebi (-) gadaxdili gadasaxadebi wminda mogeba / zarali (-)

-32 5445 36927

-537 10346 76096

-1457 15624 94575

-1782 19017 119880

-1970 23502 137578

-3545 34147 192430

wyaro: komerciuli bankebis naerTi balansi.

3.4. komerciuli bankebis saqmianobis finansuri maCveneblebi gagrZeleba 2014

ian-ivl

ian-agv

ian-seq

ian-oqt

ian-noe

ian-dek

periodis bolos; aTasi lari 1417324 987673 3595 906762 6101 536219 364442 61298 16017 429651

1617030 1134619 4133 1040798 7091 615913 417794 71642 18046 482411

1832309 1283226 4640 1176442 8070 698005 470367 81923 20221 549083

2059735 1439220 5200 1318834 8989 781966 527879 92572 22615 620515

2287565 1588552 5726 1454438 9877 863410 581151 103204 25184 699013

2685930 1763121 6290 1614606 10738 955672 648196 114244 27980 922809

148879

169132

195260

229628

251967

283445

66601

75247

84600

89601

95115

118127

91 214079 1160814 424248 271828 63476 208352 19993 127649 4779 574376 243870

2739 235294 1309873 485851 311362 72624 238738 22778 146292 5420 645548 277992

1617 267606 1470390 546714 350569 82100 268470 25637 164470 6037 731992 314572

3849 297438 1633990 609426 391255 91986 299269 28219 183332 6621 816714 352404

1650 350280 1834788 671184 431467 102014 329453 31232 201211 7274 916992 388960

3775 517462 2124599 735816 474546 112230 362316 34259 219000 8011 1140193 438599

54771 275736

62720 304836

70648 346773

78830 385480

87171 440861

98065 603529

162190 125092 1559 35540

178473 135374 5395 37704

191684 154597 5528 31559

207850 163004 6096 38750

246613 197410 6096 43107

248590 212216 11601 24773

mogeba gadasaxadebis gadaxdamde da gauTvaliswinebel xarjebamde (sabalanso mogeba)

256510

307157

361919

425745

452776

561331

gauTvaliswinebeli Semosavali / xarjebi (-) gadaxdili gadasaxadebi wminda mogeba / zarali (-)

-4067 37565 214877

-5609 42867 258681

-5674 52535 303710

-5837 60260 359649

-6588 64549 381640

-6630 79894 474808

wyaro: komerciuli bankebis naerTi balansi.

3.5 komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba da struqtura

01.01.13

01.02.13

01.03.13

01.04.13

01.05.13

01.06.13

01.07.13

01.08.13

01.09.13

01.10.13

01.11.13

01.12.13

aTasi lari ekonomikis davalianeba, sul vadiani sesxebi moklevadiani sesxebi grZelvadiani sesxebi vadagadacilebuli sesxebi moklevadiani sesxebi grZelvadiani sesxebi daricxuli da misaRebi procentebi moklevadian sesxebze grZelvadian sesxebze

8808173 8489292 2019552 6469740 222790 130861 91929

8765453 8428548 2004810 6423738 238038 139864 98174

8763342 8432902 2003141 6429761 236389 139658 96731

8847559 8497413 2052280 6445133 245904 151265 94639

8944853 8581919 2086820 6495099 256932 152047 104885

9076673 8702111 2185236 6516874 264063 156119 107944

9270360 8897708 2229513 6668196 265969 164985 100984

9237367 8883678 2194520 6689158 243994 145509 98485

9412274 9053738 2220178 6833561 250724 147870 102853

9586449 9235856 2276939 6958916 246043 139733 106310

9686924 9332789 2229121 7103668 249463 134377 115086

9972918 9593166 2292826 7300340 273156 154691 118465

96091 30290 65801

98867 31599 67268

94051 31384 62667

104242 35993 68248

106003 50891 55112

110498 54614 55884

106683 46017 60666

109696 47193 62502

107813 48206 59607

104551 46259 58291

104672 45856 58816

106596 36862 69734

procentobiT, % ekonomikis davalianeba, sul vadiani sesxebi moklevadiani sesxebi grZelvadiani sesxebi vadagadacilebuli sesxebi moklevadiani sesxebi grZelvadiani sesxebi daricxuli da misaRebi procentebi moklevadian sesxebze grZelvadian sesxebze

100.0 96.4 22.9 73.5 2.5 1.5 1.0

100.0 96.2 22.9 73.3 2.7 1.6 1.1

100.0 96.2 22.9 73.4 2.7 1.6 1.1

100.0 96.0 23.2 72.8 2.8 1.7 1.1

100.0 95.9 23.3 72.6 2.9 1.7 1.2

100.0 95.9 24.1 71.8 2.9 1.7 1.2

100.0 96.0 24.0 71.9 2.9 1.8 1.1

100.0 96.2 23.8 72.4 2.6 1.6 1.1

100.0 96.2 23.6 72.6 2.7 1.6 1.1

100.0 96.3 23.8 72.6 2.6 1.5 1.1

100.0 96.3 23.0 73.3 2.6 1.4 1.2

100.0 96.2 23.0 73.2 2.7 1.6 1.2

1.1 0.3 0.7

1.1 0.4 0.8

1.1 0.4 0.7

1.2 0.4 0.8

1.2 0.6 0.6

1.2 0.5 0.7

1.1 0.5 0.6

1.1 0.4 0.7

_________________ wyaro: komerciuli bankebis statistikuri angariSebi.

3.5 komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba da struqtura gagrZeleba 01.01.13

01.02.13

01.03.13

01.04.13

01.05.13

01.06.13

01.07.13

01.08.13

01.09.13

01.10.13

01.11.13

01.12.13

aTasi lari davalianeba erovnuli valutiT

vadiani sesxebi moklevadiani sesxebi grZelvadiani sesxebi vadagadacilebuli sesxebi moklevadiani sesxebi grZelvadiani sesxebi daricxuli da misaRebi procentebi moklevadian sesxebze grZelvadian sesxebze davalianeba ucxouri valutiT

vadiani sesxebi moklevadiani sesxebi grZelvadiani sesxebi vadagadacilebuli sesxebi moklevadiani sesxebi grZelvadiani sesxebi daricxuli da misaRebi procentebi moklevadian sesxebze grZelvadian sesxebze

2855566 2713720 1094257 1619463

2828426 2677276 1067527 1609749

2832375 2682254 1061600 1620654

2920838 2765493 1087615 1677878

3003248 2829770 1105294 1724476

3036795 2869071 1140536 1728535

3113878 2941976 1154005 1787971

3180462 3016430 1179264 1837167

3275512 3110505 1194747 1915758

3389015 3230655 1222275 2008380

3471003 3304948 1227307 2077641

3704151 3538376 1274754 2263622

106930 86504 20426

113545 91565 21980

113674 91534 22139

115161 96339 18821

131545 104188 27357

123668 101053 22615

128787 102949 25838

118813 92310 26502

117480 92018 25462

111835 86037 25798

122060 88680 33380

119479 89819 29660

34916 16326 18590

37606 16634 20971

36448 16407 20040

40184 18851 21333

41933 19464 22469

44057 20830 23227

43114 21039 22075

45219 21453 23766

47527 22673 24853

46525 22425 24100

43995 21313 22682

46296 20029 26267

5952606 5775572 925294 4850277

5937026 5751272 937283 4813989

5930967 5750648 941541 4809107

5926721 5731920 964665 4767255

5941606 5752148 981526 4770622

6039877 5833040 1044700 4788340

6156482 5955732 1075507 4880225

6056905 5867248 1015256 4851992

6136762 5943233 1025431 4917802

6197434 6005201 1054665 4950536

6215920 6027841 1001814 5026027

6268767 6054790 1018073 5036718

115859 44357 71503

124494 48299 76194

122715 48124 74591

130743 54926 75817

125387 47859 77528

140396 55067 85329

137181 62036 75146

125181 53199 71982

133243 55852 77391

134208 53696 80513

127403 45697 81706

153677 64872 88805

61175 13964 47212

61261 14964 46297

57603 14977 42627

64058 17142 46915

64071 31428 32643

66442 33784 32657

63569 24978 38590

64476 25740 38736

60286 25532 34754

58025 23834 34191

60676 24543 36134

60300 16833 43467

_________________ wyaro: komerciuli bankebis statistikuri angariSebi.

3.5 komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba da struqtura gagrZeleba 01.01.14

01.02.14

01.03.14

01.04.14

01.05.14

01.06.14

01.07.14

01.08.14

01.09.14

01.10.14

01.11.14

01.12.14

01.01.15

10569861 10556365 10521296 10731364 10873171 10931326 11220108 11213730 11257923 11660112 11859607 12452068 13080854 10238774 10194489 10160372 10348446 10477192 10539434 10862601 10839759 10866947 11269052 11481010 12040285 12714016 2400496 2404507 2447183 2563657 2549160 2512073 2613296 2593605 2567989 2623545 2610681 2725014 2892689 7838278 7789981 7713189 7784789 7928032 8027360 8249306 8246154 8298958 8645507 8870330 9315271 9821327 231077 256743 263283 280085 291530 283994 247011 257510 271683 279049 263756 295520 251654 136034 145265 152265 164633 175962 169508 140654 147966 157072 166323 156765 171922 150578 95043 111478 111018 115452 115568 114486 106357 109545 114611 112726 106991 123598 101076 100010 30390 69620

105134 31679 73456

97641 30334 67306

102833 33460 69373

104449 32831 71618

107898 35901 71997

110496 37501 72995

116460 38713 77748

119293 39016 80277

112012 36661 75351

114841 35979 78861

116263 36951 79312

115184 33929 81255

100.0 96.9 22.7 74.2 2.2 1.3 0.9

100.0 96.6 22.8 73.8 2.4 1.4 1.1

100.0 96.6 23.3 73.3 2.5 1.4 1.1

100.0 96.4 23.9 72.5 2.6 1.5 1.1

100.0 96.4 23.4 72.9 2.7 1.6 1.1

100.0 96.4 23.0 73.4 2.6 1.6 1.0

100.0 96.8 23.3 73.5 2.2 1.3 0.9

100.0 96.7 23.1 73.5 2.3 1.3 1.0

100.0 96.5 22.8 73.7 2.4 1.4 1.0

100.0 96.6 22.5 74.1 2.4 1.4 1.0

100.0 96.8 22.0 74.8 2.2 1.3 0.9

100.0 96.7 21.9 74.8 2.4 1.4 1.0

100.0 97.2 22.1 75.1 1.9 1.2 0.8

0.9 0.3 0.7

1.0 0.3 0.7

0.9 0.3 0.6

1.0 0.3 0.6

1.0 0.3 0.7

1.1 0.3 0.7

1.0 0.3 0.6

1.0 0.3 0.7

0.9 0.3 0.6

_________________ wyaro: komerciuli bankebis statistikuri angariSebi.

3.5 komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba da struqtura gagrZeleba 01.01.14

01.02.14

01.03.14

01.04.14

01.05.14

01.06.14

01.07.14

01.08.14

01.09.14

01.10.14

01.11.14

01.12.14

01.01.15

aTasi lari davalianeba erovnuli valutiT

vadiani sesxebi moklevadiani sesxebi grZelvadiani sesxebi vadagadacilebuli sesxebi moklevadiani sesxebi grZelvadiani sesxebi daricxuli da misaRebi procentebi moklevadian sesxebze grZelvadian sesxebze

3969559 3820064 1379436 2440627

4023376 3858610 1410971 2447639

4093928 3924379 1427783 2496596

4230027 4054676 1492492 2562184

4234621 4050569 1468524 2582045

4286088 4101696 1479041 2622655

4456797 4285593 1526665 2758928

4529953 4351852 1524708 2827144

4533190 4341247 1464371 2876876

4654400 4465716 1497683 2968034

4735786 4553350 1500258 3053092

4854065 4661456 1554004 3107452

5126739 4945556 1688522 3257033

106037 85585 20451

119834 91922 27911

126098 95101 30997

127045 95958 31087

134160 102066 32095

130340 97938 32402

117410 86110 31300

121310 89287 32023

132863 98840 34023

134202 101676 32527

128668 99959 28709

139609 107588 32021

131597 103847 27750

43459 16842 26617

44932 17944 26989

43452 17484 25967

48306 19637 28668

49892 19827 30064

54052 21905 32147

53793 22701 31092

56791 22822 33969

59080 23202 35878

54481 21410 33071

53767 20529 33238

53000 20954 32046

49586 18243 31343

6600302 6418710 1021060 5397650

6532990 6335879 993536 5342342

6427368 6235993 1019400 5216593

6501337 6293770 1071165 5222605

6638550 6426623 1080636 5345987

6645238 6437738 1033033 5404705

6763311 6577008 1086630 5490378

6683778 6487907 1068897 5419011

6724734 6525700 1103619 5422081

7005712 6803335 1125862 5677473

7123821 6927660 1110423 5817237

7598003 7378830 1171010 6207820

7954116 7768461 1204167 6564294

125041 50449 74592

136909 53342 83567

137186 57164 80021

153040 68674 84366

157370 73896 83473

153654 71570 82084

129600 54544 75057

136201 58679 77522

138820 58232 80588

144846 64647 80199

135088 56806 78281

155911 64334 91577

120057 46731 73326

56551 13548 43003

60202 13735 46467

54189 12850 41339

54527 13823 40704

54558 13004 41554

53846 13996 39850

56703 14800 41903

59670 15891 43779

60214 15814 44399

57530 15250 42280

61074 15450 45623

63263 15997 47266

65598 15686 49912

_________________ wyaro: komerciuli bankebis statistikuri angariSebi.

3.6. komerciuli bankebis mier gacemuli sesxebiT davalianebis moculoba debitorebis kategoriebis mixedviT (2015 wlis pirveli ianvris mdgomareobiT) iuridiul pirebze gacemuli sesxebi rezidentebze

sul

fizikur pirebze gacemuli sesxebi

ararezidentebze

sul

rezidentebze

ararezidentebze

aTasi lari sul

6640602

6353890

6124615

52685

maT Soris: bankTaSorisi sesxebi erovnuli valutiT ucxouri valutiT sxva klientebze gacemuli sesxebi erovnuli valutiT ucxouri valuti

286712

6177299

103885 103875 10 6536717 1428457 5108259

103876 9 x x 103875 X x x 1 9 x x 6250014 286703 6177299 6124615 1423641 4816 3517098 3511165 4826373 281887 2660201 2613450 saprocento ganakveTebi,%

x x x 52685 5933 46752

sul

10.7

10.8

8.8

16.6

16.7

11.2

maT Soris: bankTaSorisi sesxebi erovnuli valutiT ucxouri valutiT sxva klientebze gacemuli sesxebi erovnuli valutiT ucxouri valutiT

7.5 7.5 0.0 10.8 11.2 10.6

7.5 7.5 0.0 10.9 11.2 10.8

0.0 x 0.0 8.8 12.5 8.7

x x x 16.6 20.0 12.2

x x x 16.7 20.0 12.2

x x x 11.2 14.8 10.7

wyaro: komerciuli bankebis statistikuri angariSebi.

3.7. komerciuli bankebis mier saangariSo periodSi gacemuli sesxebi debitorebis kategoriebis mixedviT

dekemberi, 2014 iuridiul pirebze gacemuli sesxebi sul

rezidentebze

ararezidentebze

fizikur pirebze gacemuli sesxebi sul

rezidentebze

ararezidentebze

aTasi lari sul

1193158

1183193

1049649

6436

maT Soris: bankTaSorisi sesxebi erovnuli valutiT ucxouri valutiT sxva klientebze gacemuli sesxebi erovnuli valutiT ucxouri valutiT

9965

1056085

81309 81283 26 1111849 451624 660226

81300 9 x x 81283 x x x 16 9 x x 1101894 9955 1056085 1049649 451624 0 726263 724757 650270 9955 329822 324892 saprocento ganakveTebi,%

x x x 6436 1506 4930

sul

10.1

10.3

18.4

11.8

maT Soris: bankTaSorisi sesxebi erovnuli valutiT ucxouri valutiT sxva klientebze gacemuli sesxebi erovnuli valutiT ucxouri valutiT

5.2 5.2 18.0 10.4 11.2 9.9

0.0 x 0.0 10.3 0.0 10.3

x x x 18.4 21.5 11.6

x x x 11.8 16.7 10.3

wyaro: komerciuli bankebis statistikuri angariSebi.

3.8 komerciuli bankebis mier erovnuli valutiT gacemuli sesxebiT davalianebis moculoba da wliuri saSualo Sewonili saprocento ganakveTebi sesxebi, sul

1 Tvemde

1-dan 3 Tvemde

maT Soris: 3-dan 6 Tvemde

6-dan 12 Tvemde

12 Tveze meti

aTasi lari 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

2713720 2677276 2682254 2765493 2829770 2869071 2941976 3016430 3110505 3230655 3304948 3538376 3820064 3858610 3924379 4054676 4050569 4101696 4285593 4351852 4341247 4465716 4553350 4661456 4945556

174600 156197 156195 150717 166780 153739 165674 150229 152567 157690 141453 103267 95367 96078 108352 107598 99969 96997 109655 105759 96219 113242 105220 112619 113975

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

21.8 22.0 21.9 21.7 21.5 21.3 20.8 20.4 20.5 20.2 20.0 19.2 18.7 18.6 18.5 18.4 18.4 18.4 18.0 17.8 17.8 17.5 17.4 17.5 17.2

26.5 28.4 29.2 29.0 29.9 30.4 29.8 30.5 29.9 30.3 30.7 32.5 31.7 31.6 30.3 29.0 32.1 31.7 30.0 28.9 30.0 28.1 27.8 27.6 26.2

98881 140548 85351 144304 81017 143955 76061 157581 76498 144174 88991 147811 82677 155484 98184 156137 80111 168572 94281 178505 98126 167389 98476 168304 85763 186983 88371 183323 87419 153325 101876 150327 88788 146807 88294 160391 87618 161083 92174 165399 79873 148334 72704 158702 91201 150096 80238 146702 117807 164586 saprocento ganakveTebi,% 22.4 21.2 24.4 21.2 23.3 20.7 26.5 19.9 24.6 19.6 24.3 19.3 23.3 18.6 22.5 18.2 22.4 17.5 21.2 16.7 21.6 16.6 20.2 16.6 24.3 16.2 24.3 16.0 23.0 16.9 23.5 16.7 24.6 16.0 28.8 15.3 26.3 14.9 24.3 14.8 25.7 15.1 25.7 14.5 23.0 15.3 22.7 15.6 19.3 15.6

wyaro: komerciuli bankebis statistikuri angariSebi.

680229 681676 680434 703257 717843 749995 750170 774713 793498 791799 820339 904707 1011323 1043199 1078687 1132691 1132960 1133359 1168309 1161377 1139944 1153034 1153742 1214444 1292154

1619463 1609749 1620654 1677878 1724476 1728535 1787971 1837167 1915758 2008380 2077641 2263622 2440627 2447639 2496596 2562184 2582045 2622655 2758928 2827144 2876876 2968034 3053092 3107452 3257033

27.1 26.9 26.9 26.7 26.3 25.8 24.8 24.2 24.5 24.4 24.5 24.4 23.7 23.5 23.1 22.7 22.8 22.9 22.5 22.6 22.5 22.3 22.2 22.7 22.2

19.1 19.2 19.2 18.9 18.8 18.6 18.3 18.0 18.4 18.0 17.7 17.1 16.6 16.4 16.3 16.3 16.3 16.2 16.0 15.8 15.8 15.7 15.5 15.4 15.3

3.8.1. komerciuli bankebis mier erovnuli valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualowliuri Sewonili saprocento ganakveTebi vadiani sesxebi, sul 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

664004 655135 666814 679773 684607 724543 767132 802094 818050 837188 873437 1047992 1155158 1197001 1215232 1292413 1291337 1288457 1332374 1350619 1306995 1337504 1365390 1410054 1418780

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

21.7 21.8 21.8 21.6 21.4 21.2 20.6 20.3 20.4 20.0 19.8 19.2 18.7 18.6 18.5 18.4 18.4 18.4 18.0 17.8 17.8 17.5 17.4 17.5 17.2

maT Soris: 1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti uZravi qonebiT uzrunvelyofili sesxebi, aTasi lari 5146 10947 27578 114606 505726 4838 15420 30497 115646 488735 3497 15936 36614 116888 493880 3770 18712 44545 108407 504340 4335 22765 32647 105793 519068 2943 23071 42718 120886 534925 7467 26177 46807 123426 563255 1049 30783 56430 133787 580046 1791 27523 60852 138725 589158 1776 29921 57768 135645 612078 3131 39089 50258 125210 655749 2947 43923 50716 136090 814316 3654 27485 53038 141890 929091 3208 25846 49887 150016 968045 2865 30503 35000 169490 977374 4297 34077 33239 197729 1023071 4216 29429 29232 198796 1029664 4998 20772 42035 180941 1039712 5709 20186 37034 196303 1073142 6053 21489 49241 183036 1090800 6243 8501 37552 165645 1089054 5784 6685 38666 174954 1111415 5187 11657 37316 173774 1137455 5260 12158 39713 181973 1170950 7411 13606 30252 160015 1207496 saprocento ganakveTebi yvela saxis sesxze,% 26.5 22.4 21.2 27.1 19.1 28.4 24.4 21.2 26.9 19.2 29.2 23.3 20.7 26.9 19.2 29.0 26.5 19.9 26.7 18.9 29.9 24.6 19.6 26.3 18.8 30.4 24.3 19.3 25.8 18.6 29.8 23.3 18.6 24.8 18.3 30.5 22.5 18.2 24.2 18.0 29.9 22.4 17.5 24.5 18.4 30.3 21.2 16.7 24.4 18.0 30.7 21.6 16.6 24.5 17.7 32.5 20.2 16.6 24.4 17.1 31.7 24.3 16.2 23.7 16.6 31.6 24.3 16.0 23.5 16.4 30.3 23.0 16.9 23.1 16.3 29.0 23.5 16.7 22.7 16.3 32.1 24.6 16.0 22.8 16.3 31.7 28.8 15.3 22.9 16.2 30.0 26.3 14.9 22.5 16.0 28.9 24.3 14.8 22.6 15.8 30.0 25.7 15.1 22.5 15.8 28.1 25.7 14.5 22.3 15.7 27.8 23.0 15.3 22.2 15.5 27.6 22.7 15.6 22.7 15.4 26.2 19.3 15.6 22.2 15.3

3.8.1. komerciuli bankebis mier erovnuli valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualowliuri Sewonili saprocento ganakveTebi

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

gagrZeleba maT Soris: vadiani sesxebi, sul 1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti saprocento ganakveTebi uZravi qonebiT uzrunvelyofil sesxebze,% 15.4 16.8 15.1 14.8 14.3 15.6 15.3 15.4 14.2 14.7 14.3 15.6 15.2 16.1 14.0 14.6 14.2 15.5 15.1 15.8 14.0 14.4 14.2 15.4 15.0 16.1 13.8 14.1 14.1 15.3 14.8 17.2 13.6 14.2 13.7 15.1 14.6 14.1 14.1 14.0 13.5 14.9 14.5 17.2 13.9 13.7 13.5 14.8 14.3 18.0 13.1 13.5 13.4 14.6 14.1 20.1 13.4 13.4 13.4 14.4 13.8 16.3 12.7 13.3 13.3 13.9 13.1 18.9 12.4 13.4 13.0 13.2 12.6 20.4 12.4 13.2 12.7 12.5 12.4 23.5 12.4 12.9 12.5 12.3 12.4 26.1 12.4 13.2 12.4 12.3 12.3 23.0 12.2 13.3 12.1 12.3 12.2 24.9 12.2 13.6 12.0 12.2 12.3 24.4 12.8 13.0 11.9 12.2 12.2 24.4 12.8 12.6 12.0 12.2 12.2 23.1 12.0 11.9 12.1 12.1 12.2 22.9 13.2 12.0 12.1 12.1 12.1 23.9 13.8 12.2 11.9 12.0 12.0 25.2 13.1 12.3 11.8 12.0 11.9 25.4 12.9 11.8 11.8 11.8 11.8 22.2 12.8 12.4 11.4 11.8 saprocento ganakveTebi uZravi qonebiT uzrunvelyofili sesxebis gareSe,% 23.8 24.0 23.9 23.7 23.4 23.3 22.7 22.3 22.6 22.1 22.0 21.8 21.4 21.4 21.3 21.2 21.3 21.2 20.7 20.4 20.2 19.9 19.7 19.9 18.6

26.8 28.8 29.4 29.4 30.2 30.6 30.5 30.6 30.1 30.4 31.0 32.9 32.2 31.9 30.4 29.2 32.4 32.1 30.4 29.3 30.5 28.4 27.9 27.7 26.5

23.3 26.6 25.6 30.5 29.2 28.0 27.6 26.5 27.3 24.8 27.5 26.5 29.9 29.2 28.7 29.1 30.7 33.7 30.3 28.0 27.2 26.9 24.5 24.5 20.2

wyaro: komerciuli bankebis statistikuri angariSebi.

22.8 22.9 22.8 22.1 21.3 21.4 20.6 20.7 19.7 18.3 18.0 17.9 17.4 17.1 18.0 17.6 16.6 16.1 15.6 16.1 16.2 15.2 16.3 17.1 16.3

29.7 29.5 29.5 29.0 28.4 28.2 27.0 26.5 26.8 26.7 26.5 26.4 25.5 25.3 25.1 25.0 25.1 25.0 24.7 24.5 24.3 24.1 24.0 24.6 23.7

20.7 20.8 20.8 20.5 20.3 20.1 19.8 19.5 20.0 19.6 19.4 19.3 19.1 19.1 18.9 18.9 18.9 18.9 18.4 18.2 18.1 17.8 17.6 17.6 17.3

3.9. komerciuli bankebis mier ucxouri valutiT gacemuli sesxebiT davalianebis moculoba da wliuri saSualo Sewonili saprocento ganakveTebi sesxebi, sul

maT Soris: 1 Tvemde

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

5775572 5751272 5750648 5731920 5752148 5833040 5955732 5867248 5943233 6005201 6027841 6054790 6418710 6335879 6235993 6293770 6426623 6437738 6577008 6487907 6525700 6803335 6927660 7378830 7768461

64648 95291 83690 87637 82122 53840 73258 48038 48099 54835 49929 58846 53731 42832 45621 43630 56672 47712 61445 55783 58163 67749 40986 43796 43196

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

14.0 14.0 13.9 13.9 13.7 13.6 13.4 13.4 13.4 13.3 13.2 13.0 12.6 12.6 12.4 12.3 12.2 12.1 12.0 11.9 11.8 11.6 11.5 11.4 11.2

21.6 21.7 22.8 22.2 23.0 24.9 23.7 26.4 25.5 25.2 25.2 22.6 21.3 24.4 25.1 22.8 20.9 21.5 20.1 18.5 18.5 18.3 20.9 22.4 20.4

1-dan 3 Tvemde 3-dan 6 Tvemde aTasi lari 112345 147898 106376 157895 99833 131813 105911 151494 73750 175453 62145 195724 58381 201237 65261 201648 61890 218245 54663 227032 55893 216008 52550 197949 75929 197905 67655 201832 66085 226855 99571 232135 94184 258577 79023 228726 74127 242872 68333 218507 83516 251922 75754 259256 73931 251469 86111 271337 95371 277731 saprocento ganakveTebi,% 16.8 14.4 16.9 14.6 15.4 14.3 16.8 14.1 16.2 13.7 18.3 13.5 16.2 13.3 16.7 13.2 13.9 13.2 14.7 13.0 15.1 12.8 13.6 12.6 13.8 12.5 14.2 12.1 13.0 11.7 13.0 11.4 10.9 11.6 12.5 11.6 11.1 11.5 11.2 11.6 10.8 11.5 10.1 11.4 11.2 11.4 10.1 11.6 12.4 11.3

wyaro: komerciuli bankebis statistikuri angariSebi.

6-dan 12 Tvemde 12 Tveze meti 600404 577721 626205 619624 650201 732992 742632 700308 697197 718134 679985 708727 693495 681218 680839 695829 671204 677572 708186 726274 710018 723103 744037 769766 787869

4850277 4813989 4809107 4767255 4770622 4788340 4880225 4851992 4917802 4950536 5026027 5036718 5397650 5342342 5216593 5222605 5345987 5404705 5490378 5419011 5422081 5677473 5817237 6207820 6564294

14.8 14.8 14.6 14.8 14.5 13.9 13.8 13.9 14.0 13.8 13.9 13.7 13.5 13.4 13.2 13.1 12.9 12.8 12.7 12.4 12.1 12.0 11.9 11.9 11.7

13.7 13.6 13.6 13.5 13.4 13.3 13.2 13.2 13.2 13.1 13.0 12.8 12.4 12.4 12.3 12.1 12.1 12.0 11.8 11.7 11.7 11.5 11.3 11.2 11.0

3.9.1. komerciuli bankebis mier ucxouri valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualowliuri Sewonili saprocento ganakveTebi vadiani sesxebi, sul 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

3643570 3596885 3614389 3656687 3637747 3628109 3735547 3735914 3806870 3783962 3844089 3845341 4037178 4044460 4018541 4178067 4286285 4365821 4380529 4359029 4310711 3842537 4609597 4156054 5190224

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

14.0 14.0 13.9 13.9 13.7 13.6 13.4 13.4 13.4 13.3 13.2 13.0 12.6 12.6 12.4 12.3 12.2 12.1 12.0 11.9 11.8 11.6 11.5 11.4 11.2

maT Soris: 1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 uZravi qonebiT uzrunvelyofili sesxebi, aTasi lari 14276 35264 63691 12824 30269 64099 7898 26422 55171 10351 24208 61603 15194 31694 59220 9778 22207 61025 19444 23483 77165 7161 15196 89559 6889 20240 100678 6333 22062 106279 7704 12337 90230 6374 14294 73553 13281 25229 72996 7263 24092 72732 7202 25855 90042 7046 31153 110531 14300 20990 126822 8756 20755 106273 12025 17359 118444 20239 8683 108201 14012 14850 119126 24783 21484 85650 9485 21352 171186 7415 22582 113968 10854 31456 165116 saprocento ganakveTebi yvela saxis sesxze,% 21.6 16.8 14.4 21.7 16.9 14.6 22.8 15.4 14.3 22.2 16.8 14.1 23.0 16.2 13.7 24.9 18.3 13.5 23.7 16.2 13.3 26.4 16.7 13.2 25.5 13.9 13.2 25.2 14.7 13.0 25.2 15.1 12.8 22.6 13.6 12.6 21.3 13.8 12.5 24.4 14.2 12.1 25.1 13.0 11.7 22.8 13.0 11.4 20.9 10.9 11.6 21.5 12.5 11.6 20.1 11.1 11.5 18.5 11.2 11.6 18.5 10.8 11.5 18.3 10.1 11.4 20.9 11.2 11.4 22.4 10.1 11.6 20.4 12.4 11.3

Tvemde

12 Tveze meti

188767 192239 192433 191538 194680 194141 214272 216044 211190 221636 224554 237601 226553 225392 232404 244354 232865 242509 247309 244681 244534 223216 234856 221201 276079

3341572 3297455 3332465 3368988 3336959 3340958 3401183 3407954 3467874 3427651 3509263 3513518 3699119 3714980 3663038 3784983 3891308 3987528 3985392 3977225 3918189 3487404 4172717 3790888 4706718

14.8 14.8 14.6 14.8 14.5 13.9 13.8 13.9 14.0 13.8 13.9 13.7 13.5 13.4 13.2 13.1 12.9 12.8 12.7 12.4 12.1 12.0 11.9 11.9 11.7

14.4 13.6 13.6 13.5 13.4 13.3 13.2 13.2 13.2 13.1 13.0 12.8 12.4 12.4 12.3 12.1 12.1 12.0 11.8 11.7 11.7 11.5 11.3 11.2 11.0

3.9.1. komerciuli bankebis mier ucxouri valutiT gacemuli uZravi qonebiT uzrunvelyofili sesxebis moculoba da saSualowliuri Sewonili saprocento ganakveTebi gagrZeleba maT Soris: 1 Tvemde 1-dan 3 Tvemde 3-dan 6 Tvemde 6-dan 12 Tvemde 12 Tveze meti saprocento ganakveTebi uZravi qonebiT uzrunvelyofil sesxebze,% 13.5 16.4 14.1 13.3 13.0 13.6 13.5 17.1 14.0 13.4 13.0 13.5 13.4 19.7 14.2 13.4 13.1 13.4 13.4 20.0 14.0 13.1 13.1 13.4 13.4 18.8 13.5 13.1 13.1 13.4 13.3 21.0 13.2 13.0 13.1 13.3 13.2 17.6 13.3 13.0 12.9 13.2 13.1 27.7 13.1 13.0 12.6 13.1 13.0 28.3 13.0 13.2 12.3 13.1 12.9 30.4 12.6 13.1 12.2 13.0 12.9 27.9 12.6 13.0 12.2 12.9 12.7 30.5 12.5 12.8 12.1 12.8 12.4 19.1 11.6 12.7 11.7 12.4 12.3 27.2 11.5 11.7 11.7 12.3 12.1 26.6 11.6 11.1 11.5 12.2 12.0 26.1 11.5 10.9 11.4 12.1 11.9 17.1 11.5 10.9 11.2 11.9 11.8 22.6 11.7 11.1 11.1 11.8 11.7 19.1 11.4 11.3 11.0 11.7 11.6 15.7 12.0 11.4 10.7 11.6 11.5 17.3 11.1 11.4 10.6 11.5 11.4 14.4 9.8 10.6 10.6 11.5 11.3 21.1 10.0 11.0 10.5 11.3 11.2 24.0 9.9 10.7 10.2 11.3 10.9 19.6 11.6 11.1 10.0 11.0 saprocento ganakveTebi uZravi qonebiT uzrunvelyofili sesxebis gareSe,% 14.8 23.0 18.0 15.1 15.6 14.1 14.8 22.4 18.1 15.4 15.7 13.9 14.7 23.2 15.8 14.9 15.3 14.1 14.7 22.4 17.7 14.9 15.5 13.9 14.4 24.0 18.3 14.0 15.1 13.6 14.0 25.8 21.1 13.7 14.3 13.4 13.9 25.8 18.1 13.5 14.2 13.2 14.0 26.1 17.9 13.4 14.5 13.3 14.0 25.1 14.3 13.2 14.7 13.5 13.9 24.5 16.2 12.9 14.6 13.3 13.7 24.7 15.8 12.6 14.7 13.2 13.5 21.7 14.1 12.5 14.4 13.0 13.0 22.0 14.8 12.3 14.3 12.5 13.1 23.9 15.7 12.3 14.2 12.5 13.0 24.8 13.9 12.1 14.1 12.5 12.9 22.2 13.7 11.9 14.0 12.4 12.8 22.1 10.7 12.3 13.9 12.3 12.8 21.2 12.8 12.0 13.7 12.4 12.6 20.3 11.0 11.7 13.5 12.1 12.5 20.1 11.1 11.9 13.2 12.1 12.3 18.9 10.7 11.6 12.9 12.0 11.8 20.5 10.2 11.8 12.7 11.4 11.9 20.9 11.7 12.1 12.6 11.5 11.6 22.1 10.1 12.2 12.5 11.2 11.4 20.7 12.8 11.7 12.7 11.2

vadiani sesxebi, sul 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15 1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

wyaro: komerciuli bankebis statistikuri angariSebi.

3.10. komerciuli bankebis mier rezident iuridiul pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba saqmianobis saxeebis mixedviT (2015 wlis 1 ianvris mdgomareobiT) sesxebi xelSekrulebis vadebis mixedviT sul

1 Tvemde

1-dan 3 Tvemde

maT Soris: 3-dan 6 Tvemde

6-dan 12 Tvemde

12 Tveze meti

vadagadacilebuli sesxebiTa da misaRebi procentebiT davalianeba

erovnuli valutiT gacemuli sesxebiTa da misaRebi procentebiT davalianeba; aTasi lari sul maT Soris: soflis meurneoba, metyeveoba, TevzWera mrewveloba mSenebloba vaWroba sastumroebi da restornebi transporti da kavSirgabmuloba finansuri Suamavloba operaciebi uZravi qonebiT, kvlevebi, komerciuli saqmianoba saxelmwifo marTva, Tavdacva ganaTleba jandacva da socialuri momsaxureba momsaxurebis sxva saxeebi

1527516

32543

52447

79435

413666

949425

94411

84914 302457 116302 442761 25169 21800 223424

0 1048 3812 8064 413 106 14270

981 1438 9293 37787 793 215 40

6358 19620 9976 27586 874 2955 7175

11082 106349 53595 161639 982 2210 46716

66492 174002 39625 207685 22107 16314 155224

1919 28090 32875 5505 4748 135 1318

68512 990 100 12 8947 58463 0 0 0 0 0 0 16631 0 15 93 612 15911 187031 1198 0 2203 14420 169210 38514 2641 1784 2582 7115 24391 ucxouri valutiT gacemuli sesxebiTa da misaRebi procentebiT davalianeba; aTasi lari

8904 0 105 817 9994

sul

4826374

13828

64355

227217

658285

3862687

138706

maT Soris: soflis meurneoba, metyeveoba, TevzWera mrewveloba mSenebloba vaWroba sastumroebi da restornebi transporti da kavSirgabmuloba finansuri Suamavloba

196540 1284571 306997 1507987 288185 308038 113631

710 3848 1803 5151 69 404 1096

0 13073 3792 41900 1110 3230 1

13252 67935 7736 73067 48509 2892 0

15543 204566 35606 263039 1139 5497 78368

167035 995149 258060 1124829 237358 296015 34166

3104 33063 28626 35210 5772 3126 663

376721 0 65201 156926 221576

0 0 0 0 745

75 0 0 0 1176

4538 0 0 922 8365

13592 0 1414 12189 27331

358516 0 63786 143815 183959

23572 0 409 1129 4032

operaciebi uZravi qonebiT, kvlevebi, komerciuli saqmianoba saxelmwifo marTva, Tavdacva ganaTleba jandacva da socialuri momsaxureba momsaxurebis sxva saxeebi wyaro: komerciuli bankebis statistikuri angariSebi.

3.11. komerciuli bankebis mier saangariSo periodSi rezident iuridiul pirebze gacemuli sesxebis moculoba da saprocento ganakveTebi saqmianobis saxeebis mixedviT dekemberi, 2014 erovnuli valutiT gacemuli sesxebi

ucxouri valutiT gacemuli sesxebi

aTasi lari sul maT Soris: soflis meurneoba, metyeveoba, TevzWera mrewveloba mSenebloba vaWroba sastumroebi da restornebi transporti da kavSirgabmuloba finansuri Suamavloba operaciebi uZravi qonebiT, kvlevebi, komerciuli saqmianoba saxelmwifo marTva, Tavdacva ganaTleba jandacva da socialuri momsaxureba momsaxurebis sxva saxeebi

532907

650286

12088 93110 48546 219309 3150 7080 98518

13000 188233 37883 262683 23292 22429 17646

13395 0 1754 16085 19871 saprocento ganakveTebi,%

19739 0 793 23442 41146

sul

10.3

9.9

maT Soris: soflis meurneoba, metyeveoba, TevzWera mrewveloba mSenebloba vaWroba sastumroebi da restornebi transporti da kavSirgabmuloba finansuri Suamavloba

9.3 9.6 12.4 11.5 10.5 13.5 6.2

10.4 9.5 10.5 9.9 9.8 10.8 12.7

operaciebi uZravi qonebiT, kvlevebi, komerciuli saqmianoba saxelmwifo marTva, Tavdacva ganaTleba jandacva da socialuri momsaxureba momsaxurebis sxva saxeebi

11.6 0.0 11.9 11.1 12.4

10.1 0.0 10.3 9.2 9.6

wyaro: komerciuli bankebis statistikuri angariSebi.

3.12. komerciuli bankebis mier rezident iuridiul da fizikur pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba ekonomikis seqtorebis mixedviT (2015 wlis 1 ianvris mdgomareobiT) sesxebi xelSekrulebis vadebis mixedviT sul

1 Tvemde

maT Soris 3-dan 6 Tvemde

1-dan 3 Tvemde

6-dan 12 Tvemde

12 Tveze meti

vadagadacilebuli sesxebiTa da misaRebi procentebiT davalianeba

erovnuli valutiT gacemuli sesxebiTa da misaRebi procentebiT davalianeba; aTasi lari sul

5038681

128200

117684

164523

1290780

3337494

180387

maT Soris gacemuli: samewarmeo seqtorze samTavrobo seqtorze

1421483 0

18293 0

52447 0

79435 0

413231 0

858078 0

93670 0

0 0 103875 0 103875

0 0 14250 0 14250

0 0 0 0 0

0 0 89625 0 89625

0 0 728 0 728

2158 3511165

0 95658

0 65237

0 85088

436 877113

1722 2388069

13 85976

centralur mTavrobaze adgilobriv mTavrobaze finansur seqtorze erovnul bankze komerciul bankebze sazogadoebriv organizaciebze Sinameurneobebze

ucxouri valutiT gacemuli sesxebiTa da misaRebi procentebiT davalianeba; aTasi lari sul

7439823

42826

89042

273955

782522

6251478

182796

maT Soris gacemuli: samewarmeo seqtorze samTavrobo seqtorze centralur mTavrobaze adgilobriv mTavrobaze finansur seqtorze erovnul bankze komerciul bankebze sazogadoebriv organizaciebze Sinameurneobebze

4825441 0 0 0 1 0 1 932 2613450

13827 0 0 0 1 0 1 0 28998

64355 0 0 0 0 0 0 0 24687

227217 0 0 0 0 0 0 0 46737

658285 0 0 0 0 0 0 0 124237

3861756 0 0 0 0 0 0 932 2388791

138702 0 0 0 0 0 0 4 44090

wyaro: komerciuli bankebis statistikuri angariSebi.

3.13. komerciuli bankebis sasesxo da misaRebi procentebiT davalianebis brunvebi naSTi 2014 wlis pirveli ianvrisaTvis

sadebeto brunva

sakredito brunva

naSTi 2015 wlis pirveli ianvrisaTvis

aTasi lari moklevadiani sesxebi

erovnuli valutiT ucxouri valutiT

2421563 1367543 1054020

9463283 6397272 3066011

8992156 6076292 2915864

2892689 1688522 1204167

140357 85630 54727

619782 364427 255355

609561 346209 263351

150578 103847 46731

30437 16385 14052 8070450 2464773 5605677

500732 320749 179983 8038428 3329833 4708595

497240 318890 178349 6287551 2537572 3749979

33929 18243 15686 9821327 3257033 6564294

100813 21925 78888

461710 161473 300236

461447 155649 305798

101076 27750 73326

72118 27248 44870 94226 72204 72204 22022

1334108 493171 840937 970739 961511 960011 9228

1324971 489076 835894 961080 929841 928341 31240

81255 31343 49912 103885 103875 103875 10

0 0 0

772 269 504

10566 9462 1104

10610 9002 1608

728 728 0

vadagadacilebuli moklevadiani sesxebi

erovnuli valutiT ucxouri valutiT misaRebi procentebi moTxovnebis mixedviT moklevadian sesxebze

erovnuli valutiT ucxouri valutiT grZelvadiani sesxebi

erovnuli valutiT ucxouri valutiT vadagadacilebuli grZelvadiani sesxebi

erovnuli valutiT ucxouri valutiT misaRebi procentebi moTxovnebis mixedviT grZelevadian sesxebze

erovnuli valutiT ucxouri valutiT sxva bankebze gacemuli sesxebi

erovnuli valutiT maT Soris auqcionis gareSe gacemuli sesxebi ucxouri valutiT vadagadacileba sxva bankebze gacemul sesxebze

erovnuli valutiT ucxouri valutiT misaRebi procentebi moTxovnebis mixedviT sxva bankebze gacemul sesxebze

erovnuli valutiT ucxouri valutiT

wyaro: komerciuli bankebis statistikuri angariSebi.

3.14. komerciuli bankebis mier gacemuli samomxmareblo sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi

1.01.13

1.02.13

1.03.13

1.04.13

1.05.13

1.06.13

1.07.13

1.08.13

1.09.13

1.10.13

1.11.13

1.12.13

aTasi lari davalianebis moculoba, sul moklevadiani sesxebi

1198367

1239863

1196636

1231015

1280797

1310464

1330936

1450886

1467381

1510604

1543870

1758477

291251

286526

283138

292807

304561

306720

306669

320217

317730

338439

350054

447250

erovnuli valutiT

219022

225754

227490

235419

247733

254153

257169

269489

266717

287692

300513

373429

ucxouri valutiT

72229

60771

55647

57388

56829

52567

49500

50728

51013

50747

49542

73821

grZelvadiani sesxebi

907116

953338

913498

938208

976236

1003745

1024267

1130668

1149651

1172164

1193815

1311227

erovnuli valutiT

685570

708126

667805

694298

726976

752669

768965

868919

886973

910375

930782

1032524

ucxouri valutiT

221546

245211

245693

243910

249260 251075 255302 saprocento ganakveTebi, %

261749

262678

261789

263033

278703

moklevadiani sesxebi

30.2

30.9

31.3

31.0

30.9

31.0

30.9

30.7

30.5

30.3

29.9

28.1

erovnuli valutiT

34.4

34.2

33.9

33.5

33.3

33.0

32.8

32.7

32.3

31.8

30.4

ucxouri valutiT

17.4

18.8

19.4

19.3

19.8

19.9

19.7

19.2

18.9

18.7

16.7

grZelvadiani sesxebi

18.8

18.6

18.3

18.1

17.8

17.7

17.5

17.4

17.3

17.2

18.2

erovnuli valutiT

19.2

19.1

18.7

18.4

18.1

18.0

17.7

17.6

17.5

17.4

18.7

ucxouri valutiT

17.5

17.4

17.3

17.2

17.0

16.9

16.8

16.7

16.6

16.1

wyaro: komerciuli bankebis statistikuri angariSebi.

3.14. komerciuli bankebis mier gacemuli samomxmareblo sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi gagrZeleba 1.01.14

1.02.14

1.03.14

1.04.14

1.05.14

1.06.14

1.07.14

1.08.14

1.09.14

1.10.14

1.11.14

1.12.14

1.01.15

aTasi lari davalianebis moculoba, sul moklevadiani sesxebi

1806593

1823182

1818612

1767171

1857388

1886540

1921056

1968564

1991839

2046008

2092361

2144393

2235747

479649

481442

470657

464395

456232

454993

468507

478461

477230

488026

490024

492825

521701

erovnuli valutiT

403894

407079

404780

398098

390548

393698

398060

402351

400574

407869

411975

409953

445191

ucxouri valutiT

75756

74363

65878

66297

65683

61296

70448

76110

76656

80157

78050

82872

76511

grZelvadiani sesxebi

1326944

1341740

1347955

1302776

1401157

1431546

1452548

1490103

1514609

1557982

1602337

1651568

1714045

erovnuli valutiT

1054803

1066696

1083138

1039944

1134867

1157904

1184392

1223320

1244558

1284786

1320174

1346242

1395447

ucxouri valutiT

272141

275044

264817

262832

266290

273643 268157 266783 saprocento ganakveTebi, %

270051

273196

282163

305326

318599

moklevadiani sesxebi

28.4

28.3

28.5

28.4

27.1

26.0

25.5

24.7

24.3

24.1

24.2

erovnuli valutiT

30.7

30.6

30.3

30.5

30.4

29.3

28.3

27.7

26.9

26.4

26.2

26.0

ucxouri valutiT

16.2

16.1

16.2

16.0

15.8

15.9

14.8

14.1

13.8

13.6

13.4

13.2

13.4

grZelvadiani sesxebi

18.1

18.0

16.9

17.9

17.8

17.6

17.4

17.2

17.0

16.8

16.7

16.5

erovnuli valutiT

18.6

18.5

17.1

18.4

18.3

18.1

17.8

17.7

17.5

17.3

17.1

17.0

ucxouri valutiT

16.0

15.8

15.7

15.6

15.3

15.2

15.0

14.7

14.5

14.3

wyaro: komerciuli bankebis statistikuri angariSebi.

3.15 komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura

ian-13

Teb-13

mar-13

apr-13

mai-13

ivn-13

ivl-13

á&#x192;?á&#x192;&#x2019;á&#x192;&#x2022;-13

seq-13

oqt-13

noe-13

dek-13

periodis bolos; aTasi lari sadepozito valdebulebebi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi maT Soris: depozitebi erovnul valutaSi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi depozitebi ucxour valutaSi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi

6340878 2706124 15228 437752 1615515 637629 3634755 0 226292 968292 2440171

6480711 2763663 20364 443563 1629516 670221 3717047 0 257107 991660 2468280

6540077 2744175 3548 431210 1651802 657615 3795901 0 263024 989089 2543789

6664444 2890537 12759 510457 1694920 672401 3773907 0 188152 997560 2588195

6688262 2986103 42317 502111 1750213 691463 3702159 0 145539 965707 2590913

6864016 2997425 23624 531652 1713204 728945 3866591 0 207266 1027408 2631917

6998685 3101923 5801 491031 1882914 722177 3896762 0 180463 1025825 2690474

7198084 3249954 2601 518868 1990945 737540 3948131 0 184170 1043921 2720040

7253606 3284307 2536 602219 1937835 741717 3969300 0 209240 1029393 2730666

7425270 3383032 1018 677586 1952648 751781 4042238 0 212201 1056202 2773836

7580529 3469346 1574 695462 1994712 777598 4111183 0 223435 1062979 2824769

7936993 3678833 452 697342 2101321 879719 4258160 0 223533 1104767 2929860

2499966 1730932 14459 390185 989869 336420 769034 0 33140 299150 436744 3840912 975192 769 47568 625646 301209 2865720 0 193152 669142 2003427

2584560 1754716 20359 399034 984791 350532 829844 0 40435 335315 454094 3896151 1008948 5 44529 644725 319690 2887203 0 216672 656345 2014186

2555825 1692891 3300 388555 956547 344488 862934 0 44647 341056 477231 3984252 1051285 248 42655 695255 313127 2932967 0 218377 648033 2066557

2693647 1780898 12471 460997 935584 371845 912749 0 62018 351459 499272 3970797 1109639 288 49459 759336 300556 2861158 0 126134 646102 2088922

2703023 1817820 40029 456376 956189 365226 885203 0 55892 313276 516035 3985239 1168283 2288 45735 794024 326237 2816956 0 89647 652431 2074878

2858928 1901833 23624 486520 986137 405551 957095 0 50945 368998 537152 4005088 1095592 0 45132 727066 323394 2909496 0 156321 658410 2094765

2862971 1896632 3040 447814 1050166 395612 966339 0 48066 357817 560457 4135714 1205291 2762 43217 832748 326565 2930423 0 132397 668009 2130017

3049297 2039758 610 475341 1155787 408020 1009538 0 50675 384477 574387 4148787 1210195 1990 43527 835158 329520 2938592 0 133495 659444 2145653

3092392 2069959 958 560770 1097535 410696 1022433 0 60984 370954 590494 4161214 1214347 1577 41449 840301 331020 2946867 0 148256 658439 2140172

3249439 2190047 1002 614056 1156549 418439 1059392 0 64793 380189 614411 4175831 1192986 16 63529 796099 333342 2982846 0 147408 676013 2159425

3308855 2244499 1001 590215 1216677 436606 1064356 0 67701 371158 625497 4271674 1224847 573 105247 778035 340991 3046827 0 155734 691821 2199272

3518777 2407876 415 584643 1309047 513771 1110901 0 89472 375759 645670 4418216 1270957 37 112698 792274 365948 3147259 0 134061 729008 2284190

_____________ wyaro: komerciuli bankebis naerTi balansi

3.15 komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura gagrZeleba ian-13

Teb-13

mar-13

apr-13

mai-13

ivn-13

ivl-13

á&#x192;?á&#x192;&#x2019;á&#x192;&#x2022;-13

seq-13

oqt-13

noe-13

dek-13

procentobiT sadepozito valdebulebebi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi maT Soris: depozitebi erovnul valutaSi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi depozitebi ucxour valutaSi mimdinare angariSebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi vadiani depozitebi sxva safinanso korporaciebi saxelmwifo arasafinanso korporaciebi sxva arasafinanso korporaciebi fizikuri pirebi

100.0 42.7 0.2 6.9 25.5 10.1 57.3 0.0 3.6 15.3 38.5

100.0 42.6 0.3 6.8 25.1 10.3 57.4 0.0 4.0 15.3 38.1

100.0 42.0 0.1 6.6 25.3 10.1 58.0 0.0 4.0 15.1 38.9

100.0 43.4 0.2 7.7 25.4 10.1 56.6 0.0 2.8 15.0 38.8

100.0 44.6 0.6 7.5 26.2 10.3 55.4 0.0 2.2 14.4 38.7

100.0 43.7 0.3 7.7 25.0 10.6 56.3 0.0 3.0 15.0 38.3

100.0 44.3 0.1 7.0 26.9 10.3 55.7 0.0 2.6 14.7 38.4

100.0 45.2 0.0 7.2 27.7 10.2 54.8 0.0 2.6 14.5 37.8

100.0 45.3 0.0 8.3 26.7 10.2 54.7 0.0 2.9 14.2 37.6

100.0 45.6 0.0 9.1 26.3 10.1 54.4 0.0 2.9 14.2 37.4

100.0 45.8 0.0 9.2 26.3 10.3 54.2 0.0 2.9 14.0 37.3

100.0 46.4 0.0 8.8 26.5 11.1 53.6 0.0 2.8 13.9 36.9

39.4 27.3 0.2 6.2 15.6 5.3 12.1 0.0 0.5 4.7 6.9 60.6 15.4 0.0 0.8 9.9 4.8 45.2 0.0 3.0 10.6 31.6

39.9 27.1 0.3 6.2 15.2 5.4 12.8 0.0 0.6 5.2 7.0 60.1 15.6 0.0 0.7 9.9 4.9 44.6 0.0 3.3 10.1 31.1

39.1 25.9 0.1 5.9 14.6 5.3 13.2 0.0 0.7 5.2 7.3 60.9 16.1 0.0 0.7 10.6 4.8 44.8 0.0 3.3 9.9 31.6

40.4 26.7 0.2 6.9 14.0 5.6 13.7 0.0 0.9 5.3 7.5 59.6 16.7 0.0 0.7 11.4 4.5 42.9 0.0 1.9 9.7 31.3

40.4 27.2 0.6 6.8 14.3 5.5 13.2 0.0 0.8 4.7 7.7 59.6 17.5 0.0 0.7 11.9 4.9 42.1 0.0 1.3 9.8 31.0

41.7 27.7 0.3 7.1 14.4 5.9 13.9 0.0 0.7 5.4 7.8 58.3 16.0 0.0 0.7 10.6 4.7 42.4 0.0 2.3 9.6 30.5

40.9 27.1 0.0 6.4 15.0 5.7 13.8 0.0 0.7 5.1 8.0 59.1 17.2 0.0 0.6 11.9 4.7 41.9 0.0 1.9 9.5 30.4

42.4 28.3 0.0 6.6 16.1 5.7 14.0 0.0 0.7 5.3 8.0 57.6 16.8 0.0 0.6 11.6 4.6 40.8 0.0 1.9 9.2 29.8

42.6 28.5 0.0 7.7 15.1 5.7 14.1 0.0 0.8 5.1 8.1 57.4 16.7 0.0 0.6 11.6 4.6 40.6 0.0 2.0 9.1 29.5

43.8 29.5 0.0 8.3 15.6 5.6 14.3 0.0 0.9 5.1 8.3 56.2 16.1 0.0 0.9 10.7 4.5 40.2 0.0 2.0 9.1 29.1

43.6 29.6 0.0 7.8 16.1 5.8 14.0 0.0 0.9 4.9 8.3 56.4 16.2 0.0 1.4 10.3 4.5 40.2 0.0 2.1 9.1 29.0

44.3 30.3 0.0 7.4 16.5 6.5 14.0 0.0 1.1 4.7 8.1 55.7 16.0 0.0 1.4 10.0 4.6 39.7 0.0 1.7 9.2 28.8

_____________ wyaro: komerciuli bankebis naerTi balansi

3.15 komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura gagrZeleba ian-14

Teb-14

mar-14

apr-14

mai-14

ivn-14

ivl-14

agv-14

seq-14

oqt-14

noe-14

dek-14 9247254 4178573 129 603322 2444646 1130477 5068681 0 318778 1311219 3438684

7726255 3407755 322 655539 1918582 833312 4318500 0 305842 989609 3023049

7818878 3467290 190 728609 1864899 873593 4351588 0 302781 1035313 3013494

7833889 3455027 1894 698209 1890759 864166 4378862 0 327343 1005345 3046174

8030240 3494233 2873 640979 1922883 927497 4536007 0 342499 1081492 3112016

8059949 3526296 5318 611003 1956023 953951 4533653 0 379681 1037900 3116072

8314289 3822640 4335 574077 2257163 987065 4491649 0 303955 1051586 3136107

8312479 3798954 1447 618253 2117161 1062093 4513525 0 291989 1056663 3164874

8393033 3805038 1753 615843 2163958 1023484 4587995 0 283772 1122481 3181741

8661185 4061967 376 609444 2444916 1007231 4599218 0 278427 1118778 3202014

8658840 4003036 109 643787 2356488 1002653 4655804 0 255734 1164799 3235271

8962042 4095975 1188 594042 2457557 1043188 4866066 0 305072 1197916 3363078

3182666 2073108 152 557985 1065773 449198 1109558 0 97544 368433 643581 4543589 1334647 170 97554 852809 384114 3208941 0 208298 621176 2379468

3305689 2140455 153 621081 1034564 484657 1165234 0 93216 413065 658954 4513189 1326836 37 107528 830334 388936 3186354 0 209566 622248 2354540

3301864 2145039 549 595629 1089866 458996 1156825 0 107302 385532 663990 4532025 1309988 1345 102580 800893 405170 3222037 0 220041 619812 2382184

3313354 2115733 1091 529246 1084991 500404 1197621 0 123116 401518 672986 4716886 1378500 1782 111733 837892 427093 3338386 0 219383 679974 2439029

3336215 2122005 1091 519448 1099229 502237 1214210 0 148543 392844 672822 4723734 1404291 4227 91556 856794 451714 3319443 0 231138 645056 2443250

3391742 2179165 780 490164 1163779 524442 1212577 0 151177 382684 678716 4922547 1643475 3555 83912 1093385 462623 3279072 0 152778 668903 2457391

3456112 2195043 239 544842 1110271 539691 1261069 0 161959 408651 690459 4856367 1603910 1208 73411 1006889 522402 3252456 0 130030 648012 2474414

3601990 2259200 247 535060 1184090 539804 1342790 0 155920 499960 686909 4791043 1545838 1506 80784 979868 483680 3245205 0 127852 622521 2494832

3625742 2259057 45 526222 1211623 521166 1366685 0 147867 517235 701583 5035443 1802910 331 83221 1233293 486065 3232533 0 130559 601542 2500431

3717761 2317386 66 561690 1225335 530295 1400375 0 122022 548716 729637 4941079 1685650 42 82097 1131153 472357 3255429 0 133712 616084 2505634

3823941 3968728 2434288 2518255 91 105.527 535828 525234 1367812 1395834 530557 597081 1389653 1450473 0 0 126500 148831 521207 550265 741946 751376 5138101 5278526 1661688 1660318 1098 23.016 58214 78087.1 1089745 1048812 512631 533396 3476413 3618208 0 0 178573 169947 676709 760954 2621132 2687307

_____________ wyaro: komerciuli bankebis naerTi balansi

3.15 komerciuli bankebis sadepozito valdebulebebis moculoba da struqtura gagrZeleba ian-14

Teb-14

mar-14

apr-14

mai-14

ivn-14

ivl-14

agv-14

seq-14

oqt-14

noe-14

dek-14

100.0 44.1 0.0 8.5 24.8 10.8 55.9 0.0 4.0 12.8 39.1

100.0 44.3 0.0 9.3 23.9 11.2 55.7 0.0 3.9 13.2 38.5

100.0 44.1 0.0 8.9 24.1 11.0 55.9 0.0 4.2 12.8 38.9

100.0 43.5 0.0 8.0 23.9 11.6 56.5 0.0 4.3 13.5 38.8

100.0 43.8 0.1 7.6 24.3 11.8 56.2 0.0 4.7 12.9 38.7

100.0 46.0 0.1 6.9 27.1 11.9 54.0 0.0 3.7 12.6 37.7

100.0 45.7 0.0 7.4 25.5 12.8 54.3 0.0 3.5 12.7 38.1

100.0 45.3 0.0 7.3 25.8 12.2 54.7 0.0 3.4 13.4 37.9

100.0 46.9 0.0 7.0 28.2 11.6 53.1 0.0 3.2 12.9 37.0

100.0 46.2 0.0 7.4 27.2 11.6 53.8 0.0 3.0 13.5 37.4

100.0 45.7 0.0 6.6 27.4 11.6 54.3 0.0 3.4 13.4 37.5

100.0 45.2 0.0 6.5 26.4 12.2 54.8 0.0 3.4 14.2 37.2

41.2 26.8 0.0 7.2 13.8 5.8 14.4 0.0 1.3 4.8 8.3 58.8 17.3 0.0 1.3 11.0 5.0 41.5 0.0 2.7 8.0 30.8

42.3 27.4 0.0 7.9 13.2 6.2 14.9 0.0 1.2 5.3 8.4 57.7 17.0 0.0 1.4 10.6 5.0 40.8 0.0 2.7 8.0 30.1

42.1 27.4 0.0 7.6 13.9 5.9 14.8 0.0 1.4 4.9 8.5 57.9 16.7 0.0 1.3 10.2 5.2 41.1 0.0 2.8 7.9 30.4

41.3 26.3 0.0 6.6 13.5 6.2 14.9 0.0 1.5 5.0 8.4 58.7 17.2 0.0 1.4 10.4 5.3 41.6 0.0 2.7 8.5 30.4

41.4 26.3 0.0 6.4 13.6 6.2 15.1 0.0 1.8 4.9 8.3 58.6 17.4 0.1 1.1 10.6 5.6 41.2 0.0 2.9 8.0 30.3

40.8 26.2 0.0 5.9 14.0 6.3 14.6 0.0 1.8 4.6 8.2 59.2 19.8 0.0 1.0 13.2 5.6 39.4 0.0 1.8 8.0 29.6

41.6 26.4 0.0 6.6 13.4 6.5 15.2 0.0 1.9 4.9 8.3 58.4 19.3 0.0 0.9 12.1 6.3 39.1 0.0 1.6 7.8 29.8

42.9 26.9 0.0 6.4 14.1 6.4 16.0 0.0 1.9 6.0 8.2 57.1 18.4 0.0 1.0 11.7 5.8 38.7 0.0 1.5 7.4 29.7

41.9 26.1 0.0 6.1 14.0 6.0 15.8 0.0 1.7 6.0 8.1 58.1 20.8 0.0 1.0 14.2 5.6 37.3 0.0 1.5 6.9 28.9

42.9 26.8 0.0 6.5 14.2 6.1 16.2 0.0 1.4 6.3 8.4 57.1 19.5 0.0 0.9 13.1 5.5 37.6 0.0 1.5 7.1 28.9

42.7 27.2 0.0 6.0 15.3 5.9 15.5 0.0 1.4 5.8 8.3 57.3 18.5 0.0 0.6 12.2 5.7 38.8 0.0 2.0 7.6 29.2

42.9 27.2 0.0 5.7 15.1 6.5 15.7 0.0 1.6 6.0 8.1 57.1 18.0 0.0 0.8 11.3 5.8 39.1 0.0 1.8 8.2 29.1

_____________ wyaro: komerciuli bankebis naerTi balansi

3.16. komerciuli bankebis mier moziduli iuridiuli da fizikuri pirebis erovnuli valutiT depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi depozitebi vadiani moTxovnamde depozitebi

1 Tvemde

1-dan 3 Tvemde

maT Soris: 3-dan 6 Tvemde

6-dan 12 Tvemde

12 Tveze meti

depozitebi, sul

617191 570638 601546 614896 659833 616127 674289 608566 654413 634163 649179 690775 784624 688737 728149 687521 699497 707021 715919 735585 769726 745679 785257 776971 847743

649697 689594 727259 711853 755708 790547 841738 936324 955658 969377 1021604 1035854 1001280 1078495 1176897 1348825 1354999 1381880 1403001 1445056 1542700 1602178 1560209 1593884 1623401

153825 110212 84263 70043 81002 96894 125600 106623 101771 90147 110690 145676 82370 125975 146379 248135 147506 158070 154006 130580 179272 173220 145231 176283 147683

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

6.3 6.4 6.1 6.2 5.7 5.1 4.9 5.1 4.3 4.1 4.2 4.3 4.1 4.1 4.0 4.2 4.1 4.1 4.1 4.1 4.1 4.0 4.0 3.9 3.9

10.9 10.6 10.7 11.0 11.0 10.9 10.5 9.9 9.6 9.8 9.5 9.3 9.7 9.3 9.0 8.7 8.8 8.7 8.6 8.9 8.8 8.7 8.9 8.9 8.9

5.8 5.0 4.7 4.5 4.7 4.6 4.4 3.4 3.9 4.4 4.4 4.1 4.4 4.7 4.7 4.6 4.4 4.5 4.6 4.6 4.8 4.5 4.5 4.7 4.4

wyaro: komerciuli bankebis statistikuri angariSebi.

36034 74239 91764 78143 107631 97620 99110 70935 72942 70813 55503 78135 59650 73096 98069 94996 117631 88537 99325 116980 86971 127201 57055 130812 65417 134099 95373 139625 122503 147850 126765 155240 188898 139951 172178 157029 181597 186792 141748 159023 166653 110616 213377 119928 214477 100235 152090 115358 155607 134441 saprocento ganakveTebi,% 8.8 6.6 6.6 6.6 5.8 7.0 6.4 5.1 4.5 5.1 5.4 5.7 7.0 6.2 6.1 6.0 5.6 6.0 6.2 6.1 5.5 5.1 5.0 5.1 4.9

9.2 9.3 9.1 9.2 9.0 8.1 8.1 7.5 7.5 6.5 6.0 6.2 6.8 7.0 6.9 7.0 7.4 7.1 6.6 6.3 6.9 6.9 7.3 7.2 6.7

194377 217316 235727 257314 296922 322568 337066 369803 382363 383171 403411 402835 423541 423285 423706 442098 501897 519828 521914 576938 614670 612170 590282 631653 623551

191222 192158 202019 214452 234030 237446 246326 266832 265357 279753 293331 299476 295854 294237 336459 376587 376746 374775 358692 436767 471490 483483 509985 518499 562119

1266888 1260232 1328804 1326749 1415541 1406674 1516028 1544889 1610071 1603540 1670783 1726629 1785904 1767232 1905047 2036346 2054495 2088901 2118921 2180641 2312426 2347857 2345466 2370855 2471144

12.7 12.5 12.5 12.4 12.2 12.0 11.6 11.2 10.9 10.9 10.6 10.4 10.1 9.9 9.9 9.9 9.6 9.4 9.7 9.7 9.7 9.9 10.4 10.3 10.2

14.1 14.1 14.2 14.1 14.0 13.8 13.7 13.4 13.1 12.9 12.7 12.5 12.4 12.4 11.9 11.6 11.6 11.4 11.1 10.9 10.7 10.6 10.3 10.2 10.1

8.6 8.7 8.6 8.8 8.5 8.4 8.0 8.0 7.5 7.5 7.5 7.3 7.2 7.3 7.1 7.2 7.2 7.1 7.1 7.3 7.2 7.2 7.3 7.3 7.2

3.17. komerciuli bankebis mier moziduli iuridiuli da fizikuri pirebis ucxouri valutiT depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi depozitebi vadiani moTxovnamde depozitebi

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

995805 1008619 1034479 1060379 1076902 1108836 1146089 1163798 1183829 1205916 1137785 1277233 1398688 1360755 1370864 1427341 1426708 1443707 1422687 1437669 1398993 1394662 1389252 1489897 1531410

3399984 3342187 3362853 3334411 3296344 3243938 3359924 3343058 3339754 3315274 3497977 3536794 3547601 3580863 3532166 3548729 3742885 3671182 3620264 3668437 3693207 3720877 3722600 4009341 4266135

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

5.2 5.1 4.7 4.8 4.8 4.6 4.3 4.2 3.3 3.3 3.2 3.3 3.1 3.0 3.0 3.1 2.8 2.7 2.7 2.7 2.7 2.7 2.7 2.7 2.7

8.4 8.2 8.3 8.3 8.2 8.2 8.0 7.7 7.5 7.5 7.3 7.1 6.8 6.7 6.6 6.5 6.3 6.2 6.1 6.0 5.9 5.9 5.8 5.8 5.7

1 Tvemde

maT Soris: 1-dan 3 3-dan 6 Tvemde Tvemde aTasi lari

169003 143086 261954 176961 153188 248507 132765 164036 267374 103590 138910 242990 91316 124137 245561 16660 116733 257750 48395 119449 242419 46822 130212 205916 70621 129531 201335 60595 126602 206609 95010 120198 224964 110952 163720 254393 105119 178267 263201 32794 177261 330099 45711 152766 335613 67385 157867 390061 55064 168894 345270 65979 185723 287650 66464 198936 284927 79147 182340 240704 68507 182048 229621 51869 182754 218865 32885 191321 220842 48579 184290 265184 76202 205679 403353 saprocento ganakveTebi,%

wyaro: komerciuli bankebis statistikuri angariSebi.

2.8 3.0 3.5 3.7 2.5 2.9 2.8 1.9 1.3 2.2 1.6 1.6 2.4 1.1 1.2 2.1 1.4 2.7 2.4 2.3 2.4 1.8 1.4 1.8 2.0

6.3 5.6 5.5 5.6 5.5 5.4 4.8 3.8 3.2 3.1 3.4 3.9 3.4 3.7 3.7 3.3 3.1 3.2 3.1 3.1 3.1 3.0 3.0 3.1 2.9

6.2 6.0 6.2 6.6 6.5 5.8 5.3 4.7 4.5 5.0 4.7 4.4 4.0 4.1 4.0 4.1 4.0 4.2 4.2 3.9 3.8 3.9 3.9 3.8 3.7

6-dan 12 Tvemde

12 Tveze meti

depozitebi, sul

1215630 1227423 1254822 1279483 1339861 1373477 1473381 1507269 1528592 1527864 1584485 1560026 1594700 1634932 1619083 1537318 1701684 1714287 1678970 1738475 1760652 1780064 1827936 1963183 1853702

1610312 1536108 1543856 1569438 1495468 1479317 1476280 1452839 1409675 1393604 1473320 1447703 1406313 1405777 1378992 1396098 1471973 1417543 1390966 1427772 1452379 1487326 1449615 1548105 1727200

4395789 4350806 4397332 4394790 4373245 4352774 4506013 4506856 4523583 4521189 4635762 4814027 4946290 4941618 4903030 4976070 5169593 5114888 5042950 5106106 5092200 5115539 5111851 5499238 5797545

8.6 8.5 8.5 8.4 8.3 8.0 8.0 7.7 7.5 7.4 7.1 7.0 6.6 6.5 6.3 6.2 6.0 5.8 5.7 5.6 5.6 5.6 5.7 5.7 5.6

9.4 9.2 9.2 9.1 9.1 8.9 8.8 8.7 8.7 8.6 8.6 8.5 8.4 8.2 8.0 8.0 7.9 7.7 7.5 7.4 7.1 7.1 6.9 6.8 6.7

7.7 7.5 7.4 7.5 7.4 7.2 7.0 6.8 6.4 6.4 6.3 6.1 5.8 5.7 5.6 5.5 5.4 5.2 5.1 5.1 5.0 5.0 5.0 5.0 4.9

3.18. komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozitebi erovnuli ekonomikis seqtorebis mixedviT

dekemberi, 2014 erovnuli valutiT ganTavsebuli depozitebi rezidentebis depozitebi

sul

ucxouri valutiT ganTavsebuli depozitebi

ararezidentebis depozitebi

rezidentebis depozitebi

sul

ararezidentebis depozitebi

aTasi lari 2551086

2546953

4133

988914

646718

342196

95352

91219

4133

471348

350934

120415

2455735

517566

295785

221781

124644

247203

130053

117150

2958

centraluri mTavroba

2958

adgilobrivi mTavroba

2328133 0

0 0

270358 0

165726 0

104632 0

2328133

165726

104632

4.9

0 270358 saprocento ganakveTebi, % 4.9 10.3 4.2

3.8

5.0

9.7 4.7

9.6 4.7

10.3 0.0

5.1 3.3

4.7 2.7

6.3 4.3

5.0 6.3 6.3 0.0 4.7 0.0 4.7

0.0 0.0 0.0 0.0 0.0 0.0 0.0

4.1 0.0 0.0 0.0 2.6 0.0 2.6

3.0 6.0 6.0 0.0 2.4 0.0 2.4

5.4 0.0 0.0 0.0 3.0 0.0 3.0

sul maT Soris: fizikuri pirebis depozitebi iuridiuli pirebis depozitebi maT Soris seqtorebis mixedviT: samewarmeo seqtori samTavrobo seqtori

finansuri seqtori centraluri banki komerciuli bankebi

sul maT Soris: fizikuri pirebis depozitebi iuridiuli pirebis depozitebi maT Soris seqtorebis mixedviT: samewarmeo seqtori samTavrobo seqtori centraluri mTavroba adgilobrivi mTavroba finansuri seqtori centraluri banki komerciuli bankebi

wyaro: komerciuli bankebis statistikuri angariSebi.

3.19 komerciuli bankebis sesxebisa da depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi ian-13

Teb-13

mar-13

apr-13

mai-13

ivn-13 ivl-13 agv-13 periodis bolos; aTasi lari

sul sesxebi erovnuli valutiT iuridiul moklevadiani da fizikur pirebze grZelvadiani sul sesxebi ucxouri valutiT iuridiul moklevadiani da fizikur pirebze grZelvadiani sul vadiani depozitebi erovnuli valutiT moklevadiani grZelvadiani sul vadiani depozitebi moklevadiani ucxouri valutiT grZelvadiani

2677276 1067527 1609749 5751272 937283 4813989 1051779 859621 192158 4007924 2511851 1496073

2682254 1061600 1620654 5750648 941541 4809107 1126773 924754 202019 4095407 2591429 1503978

2765493 1087615 1677878 5731920 964665 4767255 1164569 953417 211152 4151066 2629822 1521244

2829770 1105294 1724476 5752148 981526 4770622 1243836 1013107 230730 4113911 2666368 1447543

2869071 2941976 3016430 1140536 1154005 1179264 1728535 1787971 1837167 5833040 5955732 5867248 1044700 1075507 1015256 4788340 4880225 4851992 1221573 1327043 1328942 987427 1084017 1065409 234146 243026 263532 4104933 4235832 4235732 2689602 2831252 2853013 1415331 1404580 1382719 saprocento ganakveTebi, %

22.0 26.2 19.2 14.0 15.7 13.6 9.3 8.3 14.1 7.9 7.0 9.3

21.9 26.1 19.2 13.9 15.4 13.6 9.2 8.1 14.2 7.7 6.8 9.3

21.7 26.0 18.9 13.9 15.6 13.5 9.3 8.2 14.1 7.7 6.8 9.2

21.5 25.9 18.8 13.7 15.2 13.4 9.0 7.9 14.0 7.6 6.7 9.2

21.3 25.5 18.6 13.6 14.7 13.3 8.8 7.6 13.9 7.4 6.5 9.1

wyaro: komerciuli bankebis naerTi balansi.

20.8 24.6 18.3 13.4 14.5 13.2 8.4 7.3 13.7 7.2 6.3 9.0

20.4 24.1 18.0 13.4 14.5 13.2 8.7 7.5 13.4 7.0 6.1 8.9

seq-13

oqt-13

noe-13

dek-13

2220178 1194747 1025431 6833561 1915758 4917802 1383774 1121717 262057 4241046 2874347 1366699

3230655 1222275 2008380 6005201 1054665 4950536 1393027 1116574 276453 4259532 2908910 1350622

3304948 1227307 2077641 6027841 1001814 5026027 1435644 1145613 290031 4267343 2903049 1364294

3538376 1274754 2263622 6054790 1018073 5036718 1462155 1170979 291176 4394554 3067349 1327205

3820064 1379436 2440627 6418710 1021060 5397650 1584574 1292019 292554 4561775 3278540 1283236

21.4 24.1 18.4 13.5 14.3 13.2 8.0 6.8 13.1 6.6 5.5 8.8

20.2 23.8 18.0 13.3 14.3 13.1 8.0 6.8 12.9 6.4 5.4 8.7

20.0 23.9 17.7 13.2 14.3 13.0 8.0 6.8 12.8 6.4 5.3 8.5

19.5 23.7 17.1 13.0 14.0 12.8 7.9 6.7 12.6 6.1 5.2 8.4

19.0 23.3 16.6 12.6 13.7 12.4 7.6 6.5 12.4 5.8 4.8 8.2

3.19 komerciuli bankebis sesxebisa da depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi gagrZeleba ian-14

Teb-14

mar-14

apr-14

mai-14

ivn-14 ivl-14 agv-14 periodis bolos; aTasi lari

3858610 1410971 2447639 6335879 993536 5342342 1524847 1233910 290937 4632299 3344481 1287818

3924379 1427783 2496596 6235993 1019400 5216593 1649050 1315890 333159 4573914 3310671 1263243

4054676 1492492 2562184 6293770 1071165 5222605 1660536 1287749 372787 4625844 3358425 1267419

4050569 1468524 2582045 6426623 1080636 5345987 1732161 1358715 373446 4816883 3475119 1341764

4101696 4285593 4351852 1479157 1526781 1524887 2622539 2758812 2826965 6437738 6577008 6481907 1033033 1086630 1062384 5404705 5490378 5419524 1746882 1779712 1881916 1375406 1439320 1463449 371475 340392 418467 4759332 4667257 4721570 3466336 3403406 3418888 1292997 1263851 1302682 saprocento ganakveTebi, %

18.9 23.1 16.4 12.6 13.6 12.4 7.7 6.6 12.4 5.7 4.8 8.1

18.8 23.0 16.3 12.4 13.4 12.3 7.5 6.4 11.9 5.5 4.7 7.9

18.6 22.6 16.3 12.3 13.1 12.1 7.8 6.7 11.6 5.5 4.6 7.8

18.6 22.8 16.3 12.2 12.9 12.1 7.7 6.6 11.6 5.3 4.4 7.7

18.7 23.0 16.2 12.1 12.9 12.0 7.6 6.6 11.5 5.2 4.3 7.5

wyaro: komerciuli bankebis naerTi balansi.

18.3 22.5 16.0 12.0 12.7 11.8 7.6 6.7 11.5 5.1 4.2 7.3

18.1 22.3 15.8 11.9 12.5 11.7 7.7 6.7 11.2 5.0 4.2 7.2

seq-14

oqt-14

noe-14

dek-14

4341247 1464371 2876876 6525700 1103619 5422081 1998850 1545660 453190 4721823 3398844 1322979

4465716 1497683 2968034 6803335 1125862 5677473 2009721 1545108 464613 4756964 3405452 1351511

4553350 1500258 3053092 6927660 1110423 5817237 2047156 1584622 462535 4774500 3423553 1350948

4661456 1554004 3107452 7378830 1171010 6207820 2039323 1576834 462489 5109238 3663442 1445795

4945556 1688522 3257033 7768461 1204167 6564294 2162639 1646530 516109 5369548 3781186 1588361

18.1 22.5 15.8 11.8 12.2 11.7 7.6 6.6 11.0 5.0 4.2 7.1

17.8 22.0 15.7 11.6 12.1 11.5 7.6 6.6 10.9 5.0 4.2 7.0

17.6 21.9 15.5 11.5 12.1 11.3 7.6 6.7 10.8 5.0 4.2 6.9

17.7 22.4 15.4 11.4 12.1 11.2 7.7 6.7 10.8 5.0 4.2 6.8

17.4 21.6 15.3 11.2 12.0 11.0 7.5 6.5 10.6 4.9 4.1 6.7

3.20. komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis ganawileba maTi moculobebis mixedviT

Tanxa, aTasi lari

depozitebis raodenoba (erTeuli)

Tanxa, aTasi lari

IV kv., 2013

depozitebis raodenoba (erTeuli)

Tanxa, aTasi lari

III kv., 2013

depozitebis raodenoba (erTeuli)

depozitebi intervalebis mixedviT

II kv., 2013

depozitebis raodenoba (erTeuli)

I kv., 2013

erovnuli valutiT ganTavsebuli depozitebi 2746882

384456

3569205

380951

3639051

444751

4018079

465795

1-1000

19162

358474

19424

354116

20055

416545

21076

436267

1001-5000

34004

17728

31733

18923

35100

19470

44098

20567

5001-25000

60274

6674

55935

6166

60340

7022

68892

7144

25001-50000

24105

715

23202

688

27726

792

28860

846

50001-100000

20536

291

24401

345

23742

333

26849

386

100001-250000

16790

116

23695

158

20362

144

17904

133

250001-500000

16619

19392

20838

20911

500001-1000000

40805

40898

31121

55259

1000000-ze meti

2514587

368

3330526 451 3399768 352 ucxouri valutiT ganTavsebuli depozitebi

3734230

323

1690469

83212

1620914

83984

1672949

86179

1713425

87872

1-1000

6838

34540

8516

35956

6736

37148

6301

35942

1001-5000

41600

23101

40432

24014

39522

23582

36801

24285

5001-25000

178106

19407

159023

18646

180103

19826

166732

21635

25001-50000

111919

3241

102266

2706

105201

3002

105466

2949

50001-100000

105584

1519

98283

1394

98502

1462

109222

1551

100001-250000

118669

872

108781

733

103077

699

115955

898

250001-500000

66010

202

66817

199

55292

175

82405

255

500001-1000000

65440

76020

106

58862

76675

122

1000000-ze meti

996302

236

960776

230

1025654

205

1013868

235

sul aqedan:

wyaro: komerciuli bankebis statistikuri angariSebi.

3.20. komerciul bankebSi saangariSo periodis ganmavlobaSi ganTavsebuli depozitebis ganawileba maTi moculobebis mixedviT gagrZeleba

Tanxa, aTasi lari

depozitebis raodenoba (erTeuli)

Tanxa, aTasi lari

IV kv., 2014

depozitebis raodenoba (erTeuli)

Tanxa, aTasi lari

III kv., 2014

depozitebis raodenoba (erTeuli)

depozitebi intervalebis mixedviT

II kv., 2014

depozitebis raodenoba (erTeuli)

I kv., 2014

erovnuli valutiT ganTavsebuli depozitebi 4039953

433360

4666389

411209

5495652

360677

6741989

317868

1-1000

35676

407093

34919

383092

22368

329708

27682

289147

1001-5000

38936

18392

42015

19252

43576

20376

47880

17639

5001-25000

67523

6056

67961

7142

77233

8522

93701

8766

25001-50000

27111

805

29000

811

31907

930

39111

1137

50001-100000

21273

316

25375

351

29748

409

36775

498

100001-250000

20921

146

20203

133

35095

260

30621

197

250001-500000

23294

24377

31210

30669

500001-1000000

52408

42252

41627

35648

1000000-ze meti

3752811

418

4380288 314 5182889 339 ucxouri valutiT ganTavsebuli depozitebi

6399902

362

1513998

96230

1757876

136586

1633919

146904

2150412

151592

1-1000

5889

53944

9322

98697

8203

100114

12841

105883

1001-5000

37795

16981

36655

11956

40610

14714

44007

16598

5001-25000

163659

19060

170299

19345

192249

25114

207189

20525

25001-50000

100606

2986

113539

3180

131271

3535

148557

4407

50001-100000

111826

1763

128585

1771

141586

1947

157942

2181

100001-250000

123986

898

147683

982

142571

901

191383

1237

250001-500000

80317

225

88688

269

81308

242

110821

317

500001-1000000

83596

127

88569

134

79251

111

113922

164

1000000-ze meti

806324

246

974536

252

816871

226

1163748

280

sul aqedan:

wyaro: komerciuli bankebis statistikuri angariSebi.

3.21. komerciul bankebSi saangariSo periodSi ganTavsebuli vadiani depozitebi mflobelTa kategoriebis mixedviT dekemberi, 2014 iuridiuli pirebis depozitebi rezidentebis

sul

fizikuri pirebis depozitebi

ararezidentebis

rezidentebis

sul

ararezidentebis

aTasi lari sul

2973300

2751519

221781

566700

442152

124548

2598491

2493859

104632

erovnuli valutiT

2328133

ucxouri valutiT

270358

165726

104632

374809

257660

117150

566700

442152

124548

erovnuli valutiT

127601

95352

91219

4133

ucxouri valutiT

247208

130059

117150 471348 saprocento ganakveTebi,%

350934

120415

4.5

4.3

5.9

5.7

6.5

maT Soris: bankTaSorisi depozitebi

sxva klientebis depozitebi

sul maT Soris:

4.5

3.0

erovnuli valutiT

4.7

0.0

ucxouri valutiT

2.6

2.4

3.0

4.4

4.0

5.4

5.9

5.7

6.5

erovnuli valutiT

5.0

0.0

9.7

9.6

10.3

ucxouri valutiT

4.1

3.0

5.4

5.1

4.7

6.3

bankTaSorisi depozitebi

sxva klientebis depozitebi

wyaro: komerciuli bankebis statistikuri angariSebi.

3.22. sabazro saprocento ganakveTebis dinamika (saangariSo periodSi gacemul sesxebze/ganTavsebul depozitebze)

2013 ian saprocento ganakveTebi sesxebze*

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

19.4

18.8

18.4

17.3

16.9

17.8

17.7

17.8

17.7

16.8

15.6

erovnuli valutiT iuridiul pirebze fizikur pirebze

22.5 14.6 27.0

21.9 14.6 25.9

21.5 14.4 24.6

21.4 14.4 23.9

20.8 13.7 24.0

20.6 13.8 23.9

20.5 13.7 23.5

20.7 13.3 24.2

20.5 12.9 24.4

19.9 12.9 23.0

19.2 12.8 21.9

18.9 12.2 22.2

ucxouri valutiT iuridiul pirebze fizikur pirebze

15.3 13.6 19.2

14.7 13.3 17.8

14.5 13.3 17.8

13.7 12.9 16.7

13.4 12.6 16.7

13.9 12.8 16.6

13.9 12.5 16.5

13.4 12.5 15.6

13.6 12.5 16.6

13.7 12.4 16.1

12.7 11.8 14.6

11.7 11.1 13.7

8.6

8.4

8.1

7.6

6.9

6.6

6.0

6.1

6.0

5.9

6.2

erovnuli valutiT iuridiuli pirebis fizikuri pirebis

11.4 9.7 12.4

11.1 8.4 12.6

12.0 9.5 12.4

11.1 9.8 11.8

10.3 9.3 10.7

8.4 6.0 9.8

9.0 8.3 9.6

8.5 5.6 9.6

8.3 5.4 9.6

8.8 5.8 9.6

9.1 7.0 9.7

9.3 8.4 9.7

ucxouri valutiT iuridiuli pirebis fizikuri pirebis

7.7 7.2 7.7

7.7 7.9 7.7

7.4 6.7 7.5

7.2 8.0 6.9

6.9 7.9 6.6

6.5 7.1 6.2

5.5 5.9 5.4

5.2 5.9 5.0

5.3 5.3 5.3

5.1 5.5 5.1

5.1 4.4 5.2

5.4 5.4 5.4

saprocento ganakveTebi depozitebze*

* bankTaSorisi sesxebis/depozitebis gareSe.

3.22. sabazro saprocento ganakveTebis dinamika (saangariSo periodSi gacemul sesxebze/ganTavsebul depozitebze) gagrZeleba

2014 ian saprocento ganakveTebi sesxebze*

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

18.4

17.0

16.9

17.0

17.4

15.8

16.3

16.2

14.7

14.9

15.2

14.3

erovnuli valutiT iuridiul pirebze fizikur pirebze

21.0 12.5 24.3

20.7 11.8 24.5

20.1 12.0 23.9

20.5 12.1 24.2

21.1 13.0 24.3

19.2 12.0 23.6

19.8 12.3 22.7

20.2 12.0 23.5

18.7 11.5 22.5

18.6 11.3 22.4

17.5 11.2 21.5

ucxouri valutiT iuridiul pirebze fizikur pirebze

12.9 11.7 15.6

11.6 10.9 13.3

11.8 11.1 13.5

11.9 11.2 13.5

12.1 11.5 13.2

11.5 11.1 12.6

11.5 10.9 12.4

11.5 11.1 12.7

10.7 10.3 12.4

11.0 10.6 12.2

10.8 10.2 12.1

10.5 9.9 11.6

6.2

6.6

6.0

6.1

5.8

6.2

5.8

5.3

erovnuli valutiT iuridiuli pirebis fizikuri pirebis

8.8 7.3 10.1

8.1 7.0 9.6

9.5 9.4 9.5

8.3 7.7 9.3

7.7 6.3 9.6

8.6 7.3 9.5

8.8 8.3 9.7

7.7 6.9 9.4

8.4 6.3 9.8

9.9 7.4 10.7

8.2 6.7 9.8

7.0 5.0 9.7

ucxouri valutiT iuridiuli pirebis fizikuri pirebis

5.3 5.2 5.3

5.3 6.1 5.1

5.0 4.9 5.0

5.3 6.2 5.1

5.4 5.0 5.4

5.0 5.1 5.0

4.6 4.8 4.5

5.2 6.4 5.0

4.8 4.8 4.8

4.9 4.9 4.8

4.8 4.1 5.1

saprocento ganakveTebi depozitebze*

* bankTaSorisi sesxebis/depozitebis gareSe.

IV. safinanso bazrebi 4.1. komerciuli bankebis mier auqcionis gareSe sxva bankebze erovnuli valutiT gacemuli sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi davalianeba, sul

maT Soris: 1 Tvemde

1-dan 3 Tvemde

3-dan 6 Tvemde

6-dan 12 Tvemde

12 Tveze meti

17031 17031 17031 17031 17031 26031 24293 20531 36688 38688 45688 57204 74192 70371 76371 110530 108871 110591 113781 134781 125296 115781 98681 94375 103875

62 1988 30158 28500 15219 23750 42750 33250 23750 6650 4750 14250

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

11.9 11.6 11.6 11.6 11.6 11.9 11.8 11.0 9.6 9.5 9.5 8.9 9.3 9.8 9.9 6.9 6.9 7.1 6.9 6.5 6.7 6.9 7.4 7.9 7.5

48.0 3.5 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0

2517 2517 5340 5340 saprocento ganakveTebi, 5.8 5.8 6.6 6.6 -

wyaro: komerciuli bankebis statistikuri angariSebi.

17031 17031 17031 17031 17031 26031 24231 20531 36688 38688 45688 54688 69688 65031 71031 80371 80371 95371 90031 92031 92046 92031 92031 89625 89625

11.9 11.6 11.6 11.6 11.6 11.9 11.7 11.0 9.6 9.5 9.5 9.1 9.6 10.1 10.2 8.0 8.0 7.6 7.7 7.6 7.6 7.6 7.6 8.1 8.1

4.2. komerciuli bankebis mier auqcionis gareSe sxva bankebze ucxouri valutiT gacemuli sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi davalianeba, sul

maT Soris: 1 Tvemde

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

4142 4144 4134 4185 12381 20514 20636 20675 20769 20805 20887 21150 21704 27619 27117 27089 27449 9745 4423 4392 4340 4381 8365 10

5346 5249 5243 5313 5316 8334 10

1.01.13 1.02.13 1.03.13 1.04.13 1.05.13 1.06.13 1.07.13 1.08.13 1.09.13 1.10.13 1.11.13 1.12.13 1.01.14 1.02.14 1.03.14 1.04.14 1.05.14 1.06.14 1.07.14 1.08.14 1.09.14 1.10.14 1.11.14 1.12.14 1.01.15

13.0 13.0 13.0 13.1 10.0 9.4 9.4 9.4 9.4 9.3 9.3 9.3 9.3 8.8 8.2 8.0 7.6 7.5 14.0 14.1 14.0 14.0 3.1 -

6.6 4.0 4.0 2.0 2.0 3.0 -

1-dan 3 3-dan 6 Tvemde Tvemde aTasi lari

6-dan 12 Tvemde

saprocento ganakveTebi, % -

wyaro: komerciuli bankebis statistikuri angariSebi.

12 Tveze meti 41 38 31 -

4142 4144 4134 4144 12381 20514 20636 20675 20769 20805 20887 21150 21704 22274 21869 21846 22136 4430 4423 4355 4340 4381 -

20.0 20.0 20.0 -

13.0 13.0 13.0 13.0 10.0 9.4 9.4 9.4 9.4 9.3 9.3 9.3 9.3 9.3 9.3 9.0 9.0 14.0 14.0 14.0 14.0 14.0 -

4.3. mimoqcevaSi arsebuli sadepozito serTifikatebi (2015 wlis

auqcionis vadianoba nomeri (dRe)

emisiis TariRi

dafarvis TariRi

emisiis moculoba

pirveli ianvris mdgomareobiT) moTxovnis moculoba

ganTavseba nominalSi

diskonti

aTasi lari 33 35 37 39 41 42 43 44 45 46 47 48 49 50 51 52 53 54

182 182 182 182 182 91 182 91 182 91 182 91 182 91 182 91 182 92

06/08/14 20/08/14 03/09/14 17/09/14 01/10/14 08/10/14 15/10/14 22/10/14 29/10/14 05/11/14 12/11/14 19/11/14 26/11/14 03/12/14 10/12/14 17/12/14 24/12/14 30/12/14

05/02/15 19/02/15 05/03/15 19/03/15 02/04/15 08/01/15 16/04/15 22/01/15 30/04/15 05/02/15 14/05/15 19/02/15 28/05/15 05/03/15 11/06/15 19/03/15 25/06/15 02/04/15

20000 20000 20000 20000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000

64500 42500 44400 47000 72000 84500 67000 105500 65000 91500 43500 90000 40000 88500 52000 86500 41000 36500

minimaluri 20000 20000 20000 20000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000 20000 35000

saprocento ganakveTebi(%)

410 408 406 406 413 362 403 362 413 363 422 365 448 375 436 397 481 422

4.20 4.10 4.10 4.10 4.15 4.15 4.10 4.12 4.10 4.14 4.15 4.20 4.50 4.24 4.20 4.40 4.65 4.65

maqsimaluri 4.20 4.18 4.17 4.18 4.25 4.25 4.15 4.30 4.32 4.25 4.40 4.25 4.70 4.50 4.85 4.65 4.95 4.85

saSualo Sewonili 4.20 4.18 4.16 4.15 4.23 4.20 4.12 4.20 4.22 4.20 4.32 4.23 4.60 4.34 4.47 4.60 4.94 4.84

4.5. savaluto bazarze aSS dolariT ganxorcielebuli operaciebi

komerciuli bankebis mier nayidi aSS dolari

komerciuli bankebis mier gayiduli aSS dolari

seb-is savaluto auqcionis garda:

sul

seb-is savaaqedan: luto erovnuli komerciuli ararezidenti auqcion- bankidan bankebidan bankebidan ze

iuridifizikuri uli pirebisgan pirebisgan

sul

seb-is savaluto auqcionze

seb-is savaluto auqcionis garda:

aqedan: erovnul komerciul bankebze bankze

ararezident bankebze

iuridiul pirebze

fizikur pirebze

aTasi aSS dolari 2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi 2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

14120188 619405 899596 985192 1153470 1419266 1178345 1308217 1374213 1258122 1245226 1222901 1456236 13164237 1285906 888708 1073431 904137 968253 930899 1056112 1096016 982774 1043901 1162862 1771239

240000 20000 80000 140000 300000 220000 40000 40000

1554319 94744 97311 113447 148619 122142 137500 135065 113196 133146 131977 135311 191862 2016849 145618 140759 171911 107792 201179 253081 208764 130617 126515 187356 151314 191943

5687729 156650 407407 351385 359502 606934 441453 586552 677581 530256 555223 497311 517475 4477647 505388 280308 385460 304192 260208 163113 256944 353787 281736 329164 475193 882154

4339051 247828 272264 350154 466825 495119 355104 335667 334493 365678 362541 345085 408294 4200701 279611 296174 349657 321706 326916 325594 377916 416795 360432 343327 345588 456986

2299090 120182 122614 170206 178523 195071 224289 250933 248943 229042 195485 165195 198606 2169041 135289 171467 166403 170447 179949 189111 212488 194818 214090 184055 150767 200156

14368420 686359 939833 977760 1150175 1394552 1200675 1282613 1364880 1346509 1257212 1250273 1517579 13644898 1329350 1001425 1035465 966018 1024781 1090285 1142536 1144599 979348 1015016 1128083 1787991

575000 35000 65000 40000 55000 120000 60000 60000 60000 80000 200000 80000 120000 -

1554318 94744 97311 113447 148619 122142 137500 135065 113196 133146 131977 135310 191862 2016849 145618 140759 171911 107792 201179 253081 208764 130617 126515 187356 151314 191943

6271620 201462 441200 408060 384322 621182 571899 615754 720260 592065 557616 573182 584619 4965687 593964 323381 363582 379914 338006 301103 378968 395413 290967 298538 474431 827420

4887668 307952 287171 354759 461239 443273 350749 381263 378138 449650 463806 424316 585352 5178583 457632 376889 387263 394632 380264 426732 448422 400803 453379 409055 400017 643495

1079813 47200 49152 61494 100995 87955 80528 90532 93286 91647 103813 117465 155746 1283778 132137 80396 112710 83680 105332 109369 106382 97766 108486 120066 102320 125133

4.6. savaluto bazarze evroTi ganxorcielebuli operaciebi

komerciuli bankebis mier nayidi evro

komerciuli bankebis mier gayiduli evro

aqedan:

sul

2013

saqarTvelos komerciuli bankebidan

ararezidenti bankebidan

aqedan: iuridiuli pirebisgan

fizikuri pirebisgan

sul

saqarTvelos komerciul Bbankebze

ararezident bankebze

iuridiul pirebze

fizikur pirebze

4883226 221855 405875

431649 32209 36514

3639943 140928 307510

521817 33660 45058

289817 15058 16794

4884985 209973 416358

435315 32209 36514

3193480 105548 282055

1010391 60179 78429

245799 12036 19360

marti aprili

361220 343840

41620 26298

267198 239538

35838 54984

16565 23020

355706 369712

41620 27763

217679 228853

75798 84896

20609 28201

maisi ivnisi

504804 485119

30357 51163

412516 361383

35434 39341

26496 33231

589789 409605

31937 51548

426819 254320

105478 81153

25556 22584

ivlisi agvisto

455327 509133

49284 34638

335684 404427

39461 37367

30898 32702

479523 491831

49314 34008

315312 371170

93971 71891

20926 14763

seqtemberi oqtomberi

360514 403740

30197 36863

260659 270010

45718 66996

23940 29870

359246 400834

31032 36863

233013 234300

80991 108879

14210 20792

noemberi

386485

29567

302886

37026

17006

390474

29567

253396

81644

25867

445313 3933654 416267 222490

32941 292386 28008 24573

337203 2852679 346623 148565

50934 555934 26907 31752

24236 232655 14730 17600

411935 3828563 395897 224816

32941 292386 28008 24573

271015 2201066 261188 102359

87083 1065890 82694 77948

20896 269220 24007 19935

marti aprili

268165 309688

27017 28180

187589 226941

34618 34827

18942 19740

282097 298189

27017 28180

154225 162456

79592 86262

21262 21291

maisi ivnisi

280428 250621

27335 23710

199053 172112

34696 34034

19344 20766

252460 204933

27335 23710

128288 64653

77362 99031

19475 17538

ivlisi agvisto

222490 299389

24573 20037

148565 220337

31752 37022

17600 21994

224816 276991

24573 20037

102359 151791

77948 86780

19935 18382

seqtemberi oqtomberi

354492 243624

22333 22691

121512 168099

186305 33993

24342 18841

236125 304462

22333 22691

84217 158997

101499 95029

28076 27746

noemberi

405023

22695

332033

33023

17271

440405

22695

299256

90452

28002

dekemberi

660977

21235

581251

37005

21487

687373

21235

531276

111291

23570

ianvari Tebervali

dekemberi 2014 ianvari Tebervali

4.7. gacvliTi kursebi: aSS dolari/lari

laris kursi aSS dolaris mimarT

periodis bolos

saSualod periodis ganmavlobaSi

nominaluri kursis procentuli cvlileba, % wina periodTan SedarebiT

dekemberi 1995=100

nominaluri kursis indeqsi (dekemberi 1995=100)

samomxmareblo fasebis indeqsi (dekemberi 1995=100)

aSS-Si

saqarTveloSi

aSS dolaris mimarT laris realuri gacvliTi kursis indeqsi* (dekemberi 1995=100)

laris realuri gacvliTi kursis indeqsis procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

1.6574 1.6537 1.6577 1.6508 1.6411 1.6509 1.6540 1.6615 1.6644 1.6707 1.6920 1.7363

1.6587 1.6567 1.6588 1.6536 1.6416 1.6559 1.6549 1.6616 1.6619 1.6652 1.6784 1.7129

-0.07 -0.12 0.12 -0.31 -0.73 0.87 -0.06 0.40 0.02 0.20 0.79 2.06

33.81 33.65 33.82 33.40 32.43 33.58 33.51 34.04 34.07 34.34 35.40 38.18

133.81 133.65 133.82 133.40 132.43 133.58 133.51 134.04 134.07 134.34 135.40 138.18

150.01 151.24 151.64 151.48 151.75 152.11 152.17 152.36 152.54 152.14 151.83 151.82

307.06 306.14 305.73 306.85 309.09 307.24 303.11 303.08 302.75 307.39 308.99 313.53

152.97 151.45 150.67 151.85 153.81 151.20 149.20 148.41 148.04 150.40 150.31 149.45

0.04 -0.99 -0.52 0.78 1.29 -1.69 -1.33 -0.53 -0.24 1.59 -0.06 -0.57

1.7819 1.7495 1.7477 1.7709 1.7719 1.7691 1.7418 1.7360 1.7524 1.7544 1.8368 1.8636

1.7591 1.7480 1.7411 1.7546 1.7633 1.7693 1.7597 1.7302 1.7458 1.7543 1.7776 1.8850

2.70 -0.63 -0.39 0.78 0.50 0.34 -0.54 -1.68 0.90 0.49 1.33 6.04

41.91 41.01 40.46 41.55 42.25 42.74 41.96 39.58 40.83 41.52 43.40 52.07

141.91 141.01 140.46 141.55 142.25 142.74 141.96 139.58 140.83 141.52 143.40 152.07

152.38 152.95 153.93 154.44 154.98 155.27 155.21 154.95 155.06 154.67 153.84 152.97

316.03 316.74 316.41 317.37 316.52 313.51 311.75 313.31 317.13 317.97 317.54 319.65

146.14 146.86 146.35 145.18 143.57 141.46 141.49 144.87 145.22 145.26 143.94 137.42

-2.21 0.49 -0.35 -0.80 -1.11 -1.47 0.02 2.39 0.24 0.03 -0.91 -4.53

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

wyaro: saqarTvelos erovnuli banki, saqarTvelos statistikis erovnuli samsaxuri, aSS Sromis statistikis biuro. SeniSvna: * - gaangariSebulia nominaluri gacvliTi kursis indeqsis Sebrunebuli sididis gamravlebiT saqarTvelosa da aSS-s samomxmareblo fasebis indeqsebis Sefardebaze.

4.8. gacvliTi kursebi: rusuli rubli/lari

laris kursi rusuli rublis mimarT

periodis bolos

saSualod periodis ganmavlobaSi

nominaluri kursis procentuli cvlileba, %

wina periodTan SedarebiT

dekemberi 1995=100

nominaluri kursis indeqsi (dekemberi 1995=100)

samomxmareblo fasebis indeqsi (dekemberi 1995=100)

ruseTSi

rusuli rublis mimarT laris realuri gacvliTi kursis indeqsi* (dekemberi saqarTveloSi 1995=100)

laris realuri gacvliTi kursis indeqsis procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

5.5196 5.4007 5.3331 5.2816 5.1951 5.0472 5.0289 4.9974 5.1458 5.2110 5.0977 5.3050

5.4821 5.4930 5.3860 5.2762 5.2550 5.1305 5.0555 5.0330 5.0944 5.1942 5.1415 5.2077

3.57 0.20 -1.95 -2.04 -0.40 -2.37 -1.46 -0.45 1.22 1.96 -1.01 1.29

-78.07 -78.03 -78.46 -78.90 -78.98 -79.48 -79.78 -79.87 -79.62 -79.22 -79.43 -79.17

21.93 21.97 21.54 21.10 21.02 20.52 20.22 20.13 20.38 20.78 20.57 20.83

1694.87 1705.04 1710.16 1718.71 1730.74 1737.66 1751.56 1753.31 1757.29 1768.63 1779.11 1788.00

307.06 306.14 305.73 306.85 309.09 307.24 303.11 303.08 302.75 307.39 308.99 313.53

82.62 81.72 82.98 84.60 84.96 86.16 85.58 85.86 84.54 83.65 84.45 84.18

-2.22 -1.09 1.55 1.94 0.43 1.41 -0.67 0.34 -1.54 -1.05 0.95 -0.32

5.0558 4.8530 4.8973 4.9607 5.1012 5.2604 4.8753 4.7006 4.4492 4.0429 3.7241 3.2879

5.2576 4.9628 4.8093 4.9147 5.0489 5.1428 5.0817 4.7924 4.6106 4.3060 3.8673 3.4329

0.96 -5.61 -3.09 2.19 2.73 1.86 -1.19 -5.69 -3.79 -6.61 -10.19 -11.23

-78.97 -80.15 -80.76 -80.34 -79.80 -79.43 -79.67 -80.83 -81.56 -82.78 -84.53 -86.27

21.03 19.85 19.24 19.66 20.20 20.57 20.33 19.17 18.44 17.22 15.47 13.73

1798.73 1811.32 1829.01 1845.03 1861.78 1872.95 1882.32 1886.08 1899.27 1914.55 1940.12 1990.95

316.03 316.74 316.41 317.37 316.52 313.51 311.75 313.31 317.13 317.97 317.54 319.65

83.54 88.09 89.93 87.50 84.18 81.37 81.48 86.66 90.54 96.42 105.80 116.92

-0.75 5.44 2.09 -2.70 -3.79 -3.34 0.13 6.35 4.48 6.50 9.72 10.51

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

wyaro: saqarTvelos erovnuli banki, saqarTvelos statistikis erovnuli samsaxuri, ruseTis federaciis saxelmwifo statistikis federaluri samsaxuri. SeniSvna: * - gaangariSebulia nominaluri gacvliTi kursis indeqsis Sebrunebuli sididis gamravlebiT saqarTvelosa da ruseTSi samomxmareblo fasebis indeqsebis Sefardebaze.

4.9. gacvliTi kursebi: evro/lari

laris kursi evros mimarT

periodis bolos

saSualod periodis ganmavlobaSi

nominaluri kursis procentuli cvlileba, %

wina periodTan SedarebiT

dekemberi 2001=100

nominaluri kursis indeqsi (dekemberi 2001=100)

samomxmareblo fasebis indeqsi (dekemberi 2001=100)

evrozonaSi

saqarTveloSi

evros mimarT laris realuri gacvliTi kursis indeqsi* (dekemberi 2001=100)

laris realuri gacvliTi kursis indeqsis procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

2.2448 2.1659 2.1245 2.1602 2.1297 2.1566 2.1949 2.1993 2.2474 2.2985 2.3020 2.3891

2.2006 2.2185 2.1517 2.1506 2.1342 2.1827 2.1642 2.2118 2.2169 2.2710 2.2652 2.3457

1.18 0.81 -3.01 -0.05 -0.76 2.27 -0.85 2.20 0.23 2.44 -0.25 3.55

15.44 16.38 12.87 12.81 11.96 14.50 13.53 16.03 16.29 19.13 18.83 23.05

115.44 116.38 112.87 112.81 111.96 114.50 113.53 116.03 116.29 119.13 118.83 123.05

124.98 125.43 126.92 126.80 126.95 127.08 126.41 126.57 127.18 127.02 126.92 127.37

189.38 188.81 188.56 189.25 190.63 189.49 186.95 186.92 186.72 189.58 190.57 193.37

131.27 129.35 131.62 132.29 134.13 130.23 130.27 127.29 126.24 125.29 126.36 123.38

0.14 -1.46 1.76 0.51 1.39 -2.90 0.03 -2.29 -0.82 -0.76 0.85 -2.35

2.4225 2.3879 2.4001 2.4545 2.4116 2.4081 2.3342 2.2891 2.2234 2.2097 2.2872 2.2656

2.3989 2.3843 2.4064 2.4244 2.4267 2.4050 2.3846 2.3055 2.2552 2.2239 2.2174 2.3235

2.27 -0.61 0.93 0.75 0.10 -0.90 -0.85 -3.32 -2.18 -1.39 -0.29 4.78

25.84 25.07 26.23 27.18 27.30 26.16 25.09 20.94 18.30 16.66 16.32 21.88

125.84 125.07 126.23 127.18 127.30 126.16 125.09 120.94 118.30 116.66 116.32 121.88

125.95 126.33 127.52 127.71 127.57 127.71 126.88 127.03 127.58 127.51 127.28 127.16

194.91 195.35 195.15 195.74 195.21 193.36 192.27 193.23 195.59 196.11 195.84 197.14

122.97 123.63 121.23 120.51 120.20 120.01 121.14 125.78 129.59 131.84 132.28 127.20

-0.33 0.54 -1.94 -0.59 -0.25 -0.16 0.94 3.83 3.03 1.74 0.33 -3.84

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

wyaro: saqarTvelos erovnuli banki, saqarTvelos statistikis erovnuli samsaxuri, evrostati. SeniSvna: * - gaangariSebulia nominaluri gacvlis kursis indeqsis gamravlebiT saqarTvelosa da evrozonaSi samomxmareblo fasebis indeqsebis Sefardebaze.

4.10. gacvliTi kursebi: Turquli lira/lari laris kursi Turquli liris mimarT

periodis bolosaTvis

saSualod periodis ganmavlobaSi

nominaluri kursis procentuli cvlileba, % wina periodTan SedarebiT

dekemberi 1995=100

nominaluri kursis indeqsi (dekemberi 1995=100)

samomxmareblo fasebis indeqsi (dekemberi 1995=100)

TurqeTSi

saqarTveloSi

Turquli liris mimarT laris realuri gacvliTi kursis indeqsi* (dekemberi 1995=100)

laris realuri gacvliTi kursis indeqsis procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

0.9383 0.9149 0.9159 0.9186 0.8784 0.8553 0.8587 0.8171 0.8158 0.8401 0.8371 0.8122

0.9357 0.9342 0.9172 0.9198 0.9015 0.8735 0.8556 0.8502 0.8222 0.8382 0.8296 0.8299

0.79 -0.16 -1.82 0.28 -1.99 -3.11 -2.05 -0.64 -3.29 1.94 -1.03 0.04

-95.54 -95.55 -95.63 -95.62 -95.71 -95.84 -95.93 -95.95 -96.08 -96.01 -96.05 -96.05

4.46 4.45 4.37 4.38 4.29 4.16 4.07 4.05 3.92 3.99 3.95 3.95

7812.50 7835.93 7887.84 7921.00 7932.53 7993.09 8017.96 8009.67 8070.95 8216.21 8216.93 8254.78

307.06 306.14 305.73 306.85 309.09 307.24 303.11 303.08 302.75 307.39 308.99 313.53

88.21 87.82 88.75 88.45 90.77 92.41 92.79 93.47 95.81 93.74 95.19 96.11

-2.14 -0.44 1.05 -0.34 2.63 1.81 0.41 0.73 2.50 -2.16 1.55 0.96

0.7781 0.7807 0.7961 0.8357 0.8466 0.8322 0.8213 0.8030 0.7690 0.7911 0.8308 0.8040

0.7945 0.7890 0.7853 0.8242 0.8422 0.8358 0.8305 0.8006 0.7912 0.7765 0.7962 0.8235

-4.27 -0.69 -0.47 4.96 2.19 -0.77 -0.63 -3.60 -1.18 -1.85 2.53 3.44

-96.22 -96.24 -96.26 -96.08 -95.99 -96.02 -96.05 -96.19 -96.23 -96.30 -96.21 -96.08

3.78 3.76 3.74 3.92 4.01 3.98 3.95 3.81 3.77 3.70 3.79 3.92

8418.06 8454.11 8549.27 8664.26 8698.50 8725.53 8765.18 8773.47 8785.73 8952.62 8968.84 8929.19

316.03 316.74 316.41 317.37 316.52 313.51 311.75 313.31 317.13 317.97 317.54 319.65

99.23 99.72 98.97 93.33 90.73 90.28 89.94 93.67 95.81 96.05 93.38 91.29

3.25 0.49 -0.74 -5.70 -2.79 -0.49 -0.39 4.16 2.28 0.25 -2.78 -2.25

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

wyaro: saqarTvelos erovnuli banki, saqarTvelos statistikis erovnuli samsaxuri, TurqeTis statistikis instituti. SeniSvna: * - gaangariSebulia nominaluri gacvliTi kursis indeqsis Sebrunebuli sididis gamravlebiT saqarTvelosa da TurqeTis samomxmareblo fasebis indeqsebis Sefardebaze.

4.11. realuri efeqturi gacvliTi kursis dinamika (1995 wlis dekemberi=100)

procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

122.2 121.3 122.4 123.0 124.9 124.2 123.4 122.9 123.2 122.7 123.1 121.7

-1.2 -0.7 0.9 0.5 1.6 -0.6 -0.6 -0.5 0.3 -0.4 0.3 -1.1

121.0 123.5 125.1 124.4 122.5 121.7 121.6 127.0 128.9 129.5 130.5 127.7

-0.6 2.0 1.4 -0.6 -1.6 -0.7 0.0 4.5 1.5 0.5 0.8 -2.2

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

4.12. nominaluri efeqturi gacvliTi kursis dinamika (1995 wlis dekemberi=100)

procentuli cvlileba wina TvesTan

2013 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

249.5 249.3 252.9 253.5 255.9 255.9 258.0 256.4 258.0 254.6 254.6 249.8

-0.6 -0.1 1.4 0.2 1.0 0.0 0.8 -0.6 0.6 -1.3 0.0 -1.9

247.8 253.2 258.8 258.7 256.4 257.0 258.4 269.1 271.4 274.3 277.9 271.9

-0.8 2.2 2.2 0.0 -0.9 0.2 0.6 4.1 0.9 1.1 1.3 -2.2

2014 ianvari Tebervali marti aprili maisi ivnisi ivlisi agvisto seqtemberi oqtomberi noemberi dekemberi

SeniSvna: gaangariSebulia 14 ZiriTadi sagareo savaWro partniori qveynis mixedviT.

V. sagareo seqtori 5.1. mTliani saerTaSoriso rezervebi (aTasi aSS dolari) aqedan: oficialuri sarezervo aqtivebi 1995* 1996* 1997* 1998* 1999* 2000* 2001* 2002* 2003* 2004* 2005* 2006* 2007* 2008* 2009* 2010* 2011* 2012* 2013 31.01 29.02 31.03 30.04 31.05 30.06 31.07 31.08 30.09 31.10 30.11 31.12 2014 31.01 28.02 31.03 30.04 31.05 30.06 31.07 31.08 30.09 31.10 30.11 31.12

ucxouri valuta

nasesxobis specialuri uflebebi

sarezervo pozicia ssf-Si

oqro

196188.8 190850.2 200445.9 127792.5 135932.1 112370.1 161939.3 202167.4 196187.8 386639.1 478645.8 930833.4 1361139.9 1480157.6 2110413.5 2263931.0 2818259.3 2872974.0

194437.7 190765.6 200297.6 122581.8 127512.5 109090.4 157973.5 199270.0 191270.7 375441.0 477605.3 929913.5 1346338.2 1467835.4 1891575.7 2041364.9 2594910.3 2651648.2

1736.2 70.2 134.8 5196.6 8405.9 3266.7 3953.2 2883.8 4902.2 11182.5 1026.2 904.9 14786.0 12306.7 218822.1 222550.7 223333.7 221310.4

14.9 14.4 13.5 14.1 13.7 13.0 12.6 13.6 14.9 15.5 14.3 15.0 15.8 15.4 15.7 15.4 15.4 15.4

2920913.5 2960164.6 2941281.4 2967640.2 3038439.4 2981696.6 3048940.3 3094880.4 3074514.4 3110052.6 3030762.6 2823422.3

2701093.9 2748154.8 2724861.6 2748142.4 2822053.4 2765107.3 2827383.8 2876562.8 2853128.3 2887303.2 2809580.5 2601472.3

219804.2 211994.7 216404.8 219482.7 216371.0 216574.3 221541.4 218302.5 221370.7 222734.1 221166.7 221934.6

15.4 15.1 15.0 15.1 15.0 15.0 15.1 15.2 15.3 15.4 15.4 15.4

2566485.8 2625815.9 2598611.5 2561530.6 2546888.5 2498141.5 2499536.2 2707900.4 2701161.6 2661929.1 2607505.0 2699187.6

2342378.3 2402891.6 2376013.5 2337488.7 2324877.4 2275163.0 2276137.8 2489203.9 2487802.5 2448673.4 2396651.7 2490549.8

224092.2 222908.9 222582.5 224026.4 221995.6 222963.0 223383.1 218681.3 213344.3 213240.9 210838.6 208623.3

15.3 15.5 15.5 15.5 15.4 15.5 15.3 15.2 14.8 14.8 14.6 14.5

* periodis bolos.

5.2 saqarTvelos saxelmwifo sagareo vali (saxelmwifos mier garantirebuli kreditebis gareSe)

2013 ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

milioni aSS dolari mTliani sagareo vali, periodis bolosaTvis maT Soris: moklevadiani kreditebi grZelvadiani kreditebi sagareo valis momsaxurebasTan dakavSirebuli gadasaxdelebi

4383.2

4319.2

4251.5

4221.5

4204.6

4125.3

4156.0

4166.9

4129.0

4202.1

4199.7

4199.0

4383.2

4319.2

4251.5

4221.5

4204.6

4125.3

4156.0

4166.9

4129.0

4202.1

4199.7

4199.0

7.6

7.8

17.7

96.0

6.8

46.9

17.2

7.6

36.2

39.9

7.3

48.1

3.2

3.3

14.5

74.6

5.0

40.4

13.2

3.4

33.3

20.6

5.3

41.4

4.3

4.5

3.2

21.4

1.8

6.5

4.0

4.3

2.9

19.3

2.0

6.7

1413.1

1718.2

2117.3

1961.2

maT Soris: ZiriTadi valis gadaxdasTan dakavSirebuli procentebis gadaxdasTan dakavSirebuli saqonlisa da momsaxurebis eqsporti

SefardebiTi parametrebi, % mTliani sagareo vali procentulad mTlian Sida produqtTan mTliani sagareo vali procentulad eqsportTan sagareo valis momsaxurebis koeficientebi: sagareo valis momsaxurebasTan dakavSirebuli gadasaxdelebi procentulad eqsportTan procentebTan dakavSirebuli gadasaxdelebi procentulad eqsportTan

26.4

25.6

26.0

59.0

57.2

57.3

58.2

2.3

8.7

2.9

4.9

0.9

1.7

0.5

1.4

wyaro: saqarTvelos finansTa saministro; saqarTvelos statistikis erovnuli samsaxuri.

5.2 saqarTvelos saxelmwifo sagareo vali (saxelmwifos mier garantirebuli kreditebis gareSe) gagrZeleba

2014 ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

milioni aSS dolari mTliani sagareo vali, periodis bolosaTvis maT Soris: moklevadiani kreditebi grZelvadiani kreditebi sagareo valis momsaxurebasTan dakavSirebuli gadasaxdelebi

4035.19 4108.06 4071.43 4063.25 4050.82 4197.26

4172.6

4191.5

4142.0

4127.0

4104.5

4078.7

4172.6

4191.5

4142.0

4127.0

4104.5

4078.7

4035.2

4108.1

4071.4

4063.3

4050.8

4197.3

31.1

7.3

41.4

39.6

4.7

56.2

34.5

9.6

43.4

41.9

7.6

43.1

26.8

3.3

37.9

20.5

3.2

49.2

29.5

5.7

39.88

22.53

6.08

36.57

4.4

4.0

3.5

19.1

1.5

6.9

4.95

3.87

3.56

19.33

1.49

6.53

1582.8

2106.9

1740.1

24.7

24.3

25.0

58.1

57.2

57.1

58.9

5.0

5.6

4.2

5.3

0.8

1.5

0.6

1.6

maT Soris: ZiriTadi valis gadaxdasTan dakavSirebuli procentebis gadaxdasTan dakavSirebuli saqonlisa da momsaxurebis eqsporti

x 1781.1 x SefardebiTi parametrebi, %

mTliani sagareo vali procentulad mTlian Sida produqtTan mTliani sagareo vali procentulad eqsportTan sagareo valis momsaxurebis koeficientebi: sagareo valis momsaxurebasTan dakavSirebuli gadasaxdelebi procentulad eqsportTan procentebTan dakavSirebuli gadasaxdelebi procentulad eqsportTan

wyaro: saqarTvelos finansTa saministro; saqarTvelos statistikis erovnuli samsaxuri.

5.3. saqarTvelos sagadasaxdelo balansi (aTasi aSS dolari) 2013 mimdinare angariSi

kapitalisa da finansuri angariSi a. kapitalis angariSi krediti debeti

b. finansuri angariSi pirdapiri investiciebi

sazRvargareT sazRvargareTidan portfelis investiciebi

aqtivebi pasivebi finansuri warmoebulebi

aqtivebi pasivebi sxva investiciebi

aqtivebi pasivebi

wminda Secdomebi da gamotovebebi

II kv.13

III kv.13

IV kv.13

2014

I kv.14

II kv.14

-926414.2 -235378.1 -197253.8 -59614.2 -434168.2 -977633.6 -364419.0 -386344.2 -3492633.6 -745339.8 -876125.0 -861310.8 -1009858.0 -2962765.5 -849686.9 -1034348.0 4245762.2 830877.5 988684.6 1160836.0 1265364.1 3061004.6 982680.4 1035103.9 -7738395.8 -1576217.3 -1864809.7 -2022146.8 -2275222.0 -6023770.0 -1832367.3 -2069451.9 1405471.7 256866.0 375476.5 515482.2 257647.0 1100843.6 226787.6 347594.1 2964032.9 582176.6 729496.9 956513.4 695846.0 2325783.9 600058.4 746020.6 -1558561.3 -325310.6 -354020.4 -441031.3 -438199.0 -1224940.3 -373270.8 -398426.5 -304889.2 -104676.5 -72399.6 -69660.4 -58152.7 -207352.1 -96089.4 -66336.3 922110.8 184798.5 217324.9 235714.3 284273.1 720888.1 227773.2 216865.9 -1227000.0 -289474.9 -289724.5 -305374.7 -342425.8 -928240.2 -323862.6 -283202.2 1465636.9 357772.2 375794.4 355874.9 376195.5 1091640.4 354569.7 366746.1 1584594.5 383210.7 400681.6 389216.7 411485.4 1189935.0 386976.0 397636.3 -118957.6 -25438.6 -24887.2 -33341.9 -35289.9 -98294.6 -32406.3 -30890.3

saqoneli saqoneli: eqsporti (FOB) saqoneli: importi (FOB) momsaxureba krediti debeti Semosavlebi krediti debeti mimdinare transfertebi krediti debeti

sarezervo aqtivebis cvlileba ("+" Semcireba, "-"

I kv.13

zrda)

III kv.14 -226870.4 -1078730.5 1043220.3 -2121950.8 526461.9 979704.9 -453243.0 -44926.4 276249.0 -321175.4 370324.6 405322.7 -34998.1

935085.4 134063.6 134621.2 -557.6 801021.9 829031.3 -119904.1 948935.4 -36532.4 5961.0 -42493.4 -2435.0 5083.4 -7518.4 -34261.7 -176785.9 142524.2

231280.7 20811.5 20935.4 -123.9 210469.2 236866.4 -15328.9 252195.3 -31112.8 2784.2 -33897.0 -28.0 882.9 -910.9 97236.1 43844.5 53391.6

191639.6 39282.2 39423.6 -141.3 152357.4 170728.8 -37180.1 207909.0 -94587.7 -991.2 -93596.5 -1445.6 884.9 -2330.5 128872.3 83980.6 44891.7

55146.2 36850.0 37028.3 -178.2 18296.2 253949.6 -875.5 254825.1 -73798.4 3100.3 -76898.6 -214.7 1704.7 -1919.4 -97824.3 1909.6 -99734.0

457019.0 37119.8 37234.0 -114.2 419899.1 167486.5 -66519.6 234006.1 162966.5 1067.8 161898.7 -746.8 1610.8 -2357.6 -162545.7 -306520.6 143974.9

997569.3 69810.8 70103.2 -292.5 927758.6 788408.0 -141308.7 929716.7 195256.3 -37284.0 232540.3 4255.2 5045.2 -790.0 -128386.8 -105796.8 -22590.0

382555.0 12265.2 12350.2 -85.0 370289.8 232098.7 -39613.3 271712.0 -16625.0 -34099.5 17474.4 2953.8 1933.1 1020.7 -76978.6 102424.5 -179403.2

366391.9 30524.1 30615.1 -91.0 335867.8 121428.5 -29057.9 150486.5 206883.0 -2452.4 209335.4 323.3 1232.6 -909.3 -96190.3 -97700.2 1509.9

248622.4 27021.5 27137.9 -116.4 221601.0 434880.8 -72637.5 507518.3 4998.3 -732.1 5730.4 978.1 1879.6 -901.5 44782.2 -110521.1 155303.3

45219.6

-92492.4

-51210.5

-63816.1

252738.6

68225.8

228841.0

103423.3

-264038.5

-8671.2

4097.4

5614.2

4468.0

-22850.8

-19935.7

-18135.9

19952.3

-21752.0

5.4 saqarTvelos sagareo vaWroba (araorganizebuli vaWrobis gareSe) sul

ian

Teb

mar

apr

mai

ivn

ivl

agv

seq

oqt

noe

dek

aTasi aSS dolari eqsporti 2011 2012 2013 2014

2189136 2375384 2908499 2861191

149011 156548 196270 223508

146579 148453 162100 216056

169493 231354 207058 256202

191970 187713 220320 236606

199783 235063 216011 242506

180199 179645 233583 244084

149151 211479 240016 246466

184408 198936 284268 247770

180853 218104 257853 239731

186641 216870 287024 272322

198252 192707 311740 202927

252797 198512 292255 233013

2011 2012 2013 2014

7057760 7901571 7885238 8596270

451309 501991 479665 542427

423794 558064 509635 591950

583825 679739 605641 701034

531280 694203 641706 682943

561217 680074 644598 814368

567722 627860 597830 697796

573950 684795 707227 787009

682822 689304 696071 682550

616128 743578 689049 726341

666127 720949 719746 782291

667819 645549 780228 724680

731767 675465 813842 862880

2011 2012 2013 2014

9246896 10276954 10793737 11457461

600320 658539 675935 765936

570372 706517 671736 808007

753318 911093 812699 957236

723250 761000 881917 915137 862026 860609 919549 1056874

747921 807505 831413 941880

723101 896274 947243 1033475

867229 888240 980339 930320

796981 852768 866071 984564 961682 937819 838256 873976 946902 1006770 1091968 1106097 966072 1054613 927607 1095893

2011 2012 2013 2014

-4868624 -5526187 -4976740 -5735079

-302299 -345443 -283395 -318919

-277215 -409611 -347535 -375894

2011 2012 2013 2014

130.5 108.5 122.4 98.4

140.5 105.1 125.4 113.9

134.1 101.3 109.2 133.3

135.5 136.5 89.5 123.7

151.5 97.8 117.4 107.4

138.2 117.7 91.9 112.3

146.5 99.7 130.0 104.5

99.8 141.8 113.5 102.7

151.8 107.9 142.9 87.2

2011 2012 2013 2014

134.3 112.0 99.8 109.0

153.6 111.2 95.6 113.1

127.9 131.7 91.3 116.2

133.1 116.4 89.1 115.8

135.7 130.7 92.4 106.4

126.5 121.2 94.8 126.3

136.6 110.6 95.2 116.7

135.9 119.3 103.3 111.3

2011 2012 2013 2014

133.3 111.1 105.0 106.1

150.1 109.7 102.6 113.3

129.4 123.9 95.1 120.3

133.6 120.9 89.2 117.8

139.6 121.9 97.7 106.7

129.4 120.3 94.0 122.8

138.8 108.0 103.0 113.3

2011 2012 2013 2014

136.0 113.5 90.1 115.2

160.9 114.3 82.0 112.5

124.8 147.8 84.8 108.2

132.2 108.2 88.9 111.6

128.2 149.3 83.2 105.9

120.9 123.1 96.3 133.4

132.4 115.7 81.3 124.6

importi

sagareo savaWro brunva

sagareo savaWro balansi -414332 -339310 -448385 -506490 -398583 -421386 -444832 -446337 procentulad

-361433 -387524 -445011 -448215 -428586 -364247 -571862 -453713 wina wlis analogiur

-424800 -498414 -435275 -473316 -490368 -525474 -467211 -411802 -431196 -540544 -434780 -486610 periodTan SedarebiT

-479485 -504079 -432723 -509969

-469567 -452842 -468489 -521753

-478971 -476953 -521587 -629867

115.4 120.6 118.2 93.0

115.4 116.2 132.3 94.9

120.4 97.2 161.8 65.1

134.0 78.5 147.2 79.7

150.4 100.9 101.0 98.1

134.9 120.7 92.7 105.4

132.3 108.2 99.8 108.7

135.1 96.7 120.9 92.9

119.6 92.3 120.5 106.0

126.4 123.9 105.7 109.1

150.7 102.4 110.4 94.9

129.9 120.7 98.5 102.0

128.2 110.0 107.4 104.8

131.5 96.8 130.3 84.9

123.0 88.8 126.6 99.1

155.7 111.4 98.7 115.7

149.9 98.4 84.0 105.6

145.0 120.7 82.1 112.9

140.3 105.1 85.8 117.9

142.5 96.4 103.5 111.4

113.2 99.6 109.4 120.8

eqsporti

importi

sagareo savaWro brunva

sagareo savaWro balansi

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

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

eqsporti (FOB) TurqeTi azerbaijani ruseTi CineTi ukraina germania somxeTi aSS bulgareTi iaponia ZiriTadi partniorebi, sul sul umsxvilesi savaWro partniorebis wili,%

239313.3 544418.9 274963.6 90392.8 140212.6 69141.6 288244.4 207583.4 164090.2 3285.0 2021645.8 2861191.0 70.7

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

ianvari-dekemberi, 2014 sagareo savaWro brunva importi balansi Tanxa % (CIF) 1727420.4 637592.2 577713.4 732958.9 546138.0 465853.3 210312.7 287269.0 209773.6 368173.8 5763205.3 8596270.0 67.0

-1488107.1 -93173.3 -302749.8 -642566.1 -405925.4 -396711.7 77931.7 -79685.6 -45683.4 -364888.8 -3741559.5 -5735079.0 65.2

1966733.7 1182011.1 852677.0 823351.7 686350.6 534994.9 498557.1 494852.4 373863.8 371458.8 7784851.1 11457461.0 67.9

17.2 10.3 7.4 7.2 6.0 4.7 4.4 4.3 3.3 3.2 x 100.0 x

5.6. saqarTvelos umsxvilesi saeqsporto sasaqonlo jgufebi

eqsporti, sul maT Soris: msubuqi avtomobilebi feroSenadnobebi spilenZis madnebi da koncentratebi Txili da saxva kakali yurZnis naturaluri Rvinoebi azotovani sasuqebi mineraluri wylebi spirti eTilis aradenaturirebuli 80 moc. % -ze naklebi spirtis koncentraciiT samkurnalo saSualebebi wnelebi naxSirbadiani foladisagan - e. w. `armatura~ danarCeni produqcia

ianvari-dekemberi, 2013

ianvari-dekemberi, 2014

aTasi aSS dolari

%-ulad jamTan

2908499.0

100.0

2861191.0

100.0

703862.2 229898.5

24.2 7.9

517786.8 285752.6

18.1 10.0

161632.8 166712.6 127850.9 130575.5 106883.8

5.6 5.7 4.4 4.5 3.7

248089.7 183398.8 180721.8 137622.0 137123.6

8.7 6.4 6.3 4.8 4.8

99865.6 52089.3

3.4 1.8

95190.2 92065.1

3.3 3.2

62517.0 1066610.8

2.1 36.7

63735.6 919704.8

2.2 32.1

5.7. saqarTvelos umsxvilesi saimporto sasaqonlo jgufebi

importi, sul maT Soris: navTobi da navTobproduqtebi msubuqi avtomobilebi navTobis airebi da airisebri naxSirwyalbadebi samkurnalo saSualebebi satelefono aparatebi, fiWuri an sxva usadeno qselebisaTvis spilenZis madnebi da koncentratebi xorbali sigaretebi gamomTvleli manqanebi da mati blokebi metalokonstruqciebi Savi liTonisagan danarCeni produqcia

ianvari-dekemberi, 2013

ianvari-dekemberi, 2014

aTasi aSS dolari

%-ulad jamTan

8025715.4

100.0

8596270.0

100.0

954408.3 710482.7 316726.4 280735.6

11.9 8.9 3.9 3.5

918342.9 715050.6 368895.1 314626.1

10.7 8.3 4.3 3.7

152562.5 113057.0 184336.6 95690.2 90623.2 65413.3 5061679.6

1.9 1.4 2.3 1.2 1.1 0.8 63.1

195565.1 165285.8 151717.5 115474.2 104114.1 90667.8 5456530.8

2.3 1.9 1.8 1.3 1.2 1.1 63.5

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

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

2013 III kvartali

II kvartali

IV kvartali

sul

Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva sul avstria azerbaijani arabTa gaerTianebuli emiratebi aSS belarusi belgia gaerTianebuli samefo germania espaneTi TurqeTi irlandia israeli italia kanada portugalia ruseTis federacia saberZneTi safrangeTi somxeTi uzbekeTi ukraina yazaxeTi SvedeTi Sveicaria danarCeni qveynebi

gadaricxva

310518 642 3438

31552 62 967

358522 543 3219

37887 76 1261

396476 627 3733

40762 92 1336

411503 625 4575

44999 103 1629

1477020 1153 8089

155199 333 5193

735 16646 814 976 4506 3758 5695 7535 951 4340 25989 1466

126 480 466 125 490 738 434 768 117 253 866 106

1047 19191 1263 942 4835 4286 6005 10939 1064 4998 26901 1668

243 496 515 117 519 775 470 1011 117 436 978 74

1040 19142 1715 931 4787 4434 6543 11414 1092 5283 27749 1832

265 642 426 176 499 989 494 1199 80 288 1043 59

1137 19876 1966 933 4508 5322 7129 11849 1225 5111 29545 1685

240 582 571 163 553 1084 481 1332 98 368 1050 119

2489 41564 4130 1830 9623 10284 13982 26666 2431 11052 58207 3719

872 2200 1978 580 2061 3587 1879 4311 413 1345 3937 358

611 165233 41591 2614 1370 736 10057 2906 772 511 6628

48 9960 3113 549 716 893 5022 624 46 28 4554

794 193198 49820 2692 1577 564 9480 3489 646 347 9015

90 12700 4202 605 880 1374 5436 512 84 38 4877

721 68 221402 13458 52688 4745 3202 722 2047 1193 601 1736 9404 5926 4828 627 732 61 302 32 10229 4604 2014 III kvartali

803 221596 53872 3079 2292 824 16633 4853 845 331 10890

72 15100 4976 848 1466 1740 5894 732 105 60 5635

1706 470963 114788 6360 4545 1253 25460 10264 1451 469 644543

279 51219 17036 2724 4255 5743 22278 2495 296 158 19670

I kvartali II kvartali IV kvartali sul Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva Caricxva gadaricxva sul 323639 38833 373719 41770 399137 44594 344259 52973 1440754 178169 528 92 578 66 632 70 563 74 2301 303

avstria azerbaijani arabTa gaerTianebuli emiratebi aSS belarusi belgia gaerTianebuli samefo germania espaneTi TurqeTi irlandia israeli italia kanada portugalia ruseTis federacia saberZneTi safrangeTi somxeTi uzbekeTi ukraina yazaxeTi SvedeTi Sveicaria danarCeni qveynebi

3600 1067 17357 1690

1438 193 561 468

4132 1180 20087 2044

1868 233 541 442

4659 1197 21789 2184

2197 231 647 526

5364 1191 22830 1900

1980 253 710 511

17754 4635 82063 7818

7482 910 2459 1947

856 1067

178 193

1116 3768

227 501

1012 4101

160 318

1080 3711

147 365

4064 12648

712 1376

5213 6604

948 384

5937 7201

924 410

6111 7122

880 447

6956 7121

1078 565

24218 28049

3829 1806

13214 1202

1019 87

16578 1216

1315 53

16380 1226

1555 49

18165 1521

1466 33

64337 5165

5355 222

4703 29135

346 990

5760 31227

454 994

6343 31444

444 880

6821 29664

551 885

23627 121470

1795 3748

1203 520

100 58

1671 615

87 50

2099 898

57 54

1934 705

110 47

6906 2737

354 209

156754 49032

14103 4199

190439 53596

16249 4733

207063 53471

18492 4761

154982 48684

23964 4883

709238 204782

72808 18576

2706 1568

670 1594

2958 1880

620 1460

3051 2276

642 1394

2923 2090

634 1405

11638 7814

2567 5854

852 9477

877 4436

623 6856

1059 4502

1114 7183

1092 4689

1293 7285

1004 5496

3883 30801

4031 19124

3188 830

711 61

3975 816

779 47

5134 1087

801 59

5284 1112

997 74

17581 3845

3288 241

395 -22852

25 5103

332 9134

24 4131

327 11236

30 4119

301 10781

20 5721

1354 42029

99 19074

wyaro: komerciuli bankebis da mikrosafinanso organizaciebis statistikuri angariSebi.

danarTi

meTodologiuri komentarebi I ganyofileba. ZiriTadi makroekonomikuri maCveneblebi

realizacia, produqciaze gadasaxadebis CauTvlelad.

cxrili 1.1. – “socialur-ekonomikuri

saxelmwifo biujetis Semosavlebisa da xarjebis Sesaxeb monacemTa wyaroa saqar-

mdgomareobis ZiriTadi maCveneblebi”.

daricxuli

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

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.

dasaqmebis Sesaxeb statistikuri monacemebis wyaroa saqarTvelos erovnuli samsaxuri.

statistikis

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

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.

umuSevrobis done – umuSevarTa ricxovnobis Sefardeba ekonomikurad aqtiuri mosaxleobis ricxovnobasTan, procentobiT.

ekonomikurad aqtiuri mosaxleoba – 16 wlis da meti asakis mosaxleoba, romelic dasaqmebulia ekonomikuri saqmianobiT, an aris umuSevari.

umuSevari – 16 wlis da meti asakis piri,

mTliani Sida produqti gaiangariSeba wliuri da kvartaluri periodulobiT.

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

realuri mTliani Sida produqtis zrdis tempi asaxavs ekonomikuri ganviTarebis

registrirebuli

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

samsaxurSi piri.

umuSevari

registrirebuli

–

dasaqmebis umuSevari

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

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

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.

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

mosaxleobis

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

cxrili 1.3. – “samomxmareblo fasebis indeqsebi”.

informaciis

wyaro: saqarTvelos statistikis erovnuli samsaxuri. ZiriTadi maCveneblebis daxasiaTeba.

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

samomxmareblo

–

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 (15dan 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

(sfi),

informaciis

wyaro: saqarTvelos statistikis erovnuli samsaxuri. ZiriTadi maCveneblebis daxasiaTeba. wliuri inflacia gaangariSebulia rogorc

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

kursebis monacemTa saqarTvelos erovnuli banki.

indeqsi

cxrili 1.4. – “wliuri inflacia”.

vaWrobis

gacvliTi

fasebis

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. sfi moicavs 12 sasaqonlo jgufs saerTaSoriso klasifikatoris “individualuri moxmareba miznebis mixedviT” (COICOP) Sesabamisad. 295 dasaxelebis saqonlisa da momsaxurebis fasebi, romelic gamoiyeneba yovelTviuri sfi-s gamosaTvlelad, grovdeba qveynis 5 qalaqSi ganlagebul sacalo da momsaxurebis obieqtSi – maRaziebSi, bazrebSi, bazrobebze, benzingasamarT sadgurebSi, klinikebSi da a.S. samomxmareblo kalaTis wonebi efuZneba erovnul angariSTa sistemiT gansazRvrul moxmarebis struqturas.

procentuli cvlileba mocemuli Tvis samomxmareblo fasebis indeqsisa wina wlis Sesabamisi Tvis analogiuri maCveneblis mimarT. saSualowliuri inflacia – gaangariSebulia rogorc procentuli cvlileba bolo 12 Tvis saSualo sfi-sa wina 12 Tvis saSualo sfi-sTan.

wyaroa

cxrili 1.2. – “mwarmoebelTa fasebis indeqsi”.

informaciis

wyaro: saqarTvelos statistikis erovnuli samsaxuri.

II ganyofileba. monetaruli statistika

ZiriTadi maCveneblebis daxasiaTeba.

informaciis wyaro: saqarTvelos erovnuli

mwarmoebelTa fasebis indeqsi (mfi) asaxavs

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

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.

cxrili 2.1. – “monetaruli koeficientebis dinamika” moicavs ZiriTad monetarul koeficientebs.

ZiriTadi maCveneblebis daxasiaTeba:

tis mosalodneli wliuri moculobidan gamomdinare, xolo wliuri mTliani Sida produqtis gamoqveynebis Semdeg xdeba Sesabamisi monacemebis dazusteba.

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 gamomdinare. savaldebulo

cxrili 2.2. – “sarezervo fulis masis moculobisa da struqturis dinamika”.

ZiriTadi maCveneblebis daxasiaTeba: sarezervo fuli – saqarTvelos erovnuli

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

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 komerciul bankebSi – moicavs

naRdi fuli mimoqcevaSi -

komerciuli bankebis sakorespondento angariSebi erovnul bankSi – komerciuli

salaroSi erovnuli valutiT sebul naRd fulad saxsrebs.

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

ganTav-

komerciuli bankebis rezervebis saerTo Tanxa – moicavs bankebis depozitebisa

Tanxebi komerciuli bankebis sakorespodento angariSebze - (ix. cxr. 2.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

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

savaldebulo rezervebi – (ix. cxr. 2.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

dolarizaciis

koeficienti – sabanko seqtorSi ganTavsebuli ucxouri valutiT denominirebuli depozitebis moculobis xvedriTi wili sadepozito valdebulebebis saerTo moculobaSi.

cxrili 2.3. – “fulis masis agregatebis dinamika”.

ZiriTadi maCveneblebis daxasiaTeba: farTo fuli (M3) – M2 agregatisa da

fulis multiplikatori – farTo fulis

sabanko seqtorSi rezidenti fizikuri da iuridiuli pirebis ucxouri valutiT denominirebuli depozitebis saerTo Tanxa, sabanko da samTavrobo seqtorebis depozitebis gareSe.

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:

farTo fuli ucxour valutaSi depozitebis gareSe (M2) – viwro fulisa da sabanko seqtorSi rezidenti fizikuri da iuridiuli pirebis erovnuli valutiT denominirebuli vadiani da Semnaxveli depozitebis erToblioba, sabanko da samTavrobo seqtorebis depozitebis gareSe.

PY V  , sadac V aris fulis mimoqcevis M siCqare, Y realuri mTliani Sida produqti, P - mTliani Sida produqtis deflatori, M – fulis moculoba (M2/M3).

viwro fuli (M1) – moicavs bankebs gareT arsebul naRd fuls da rezidenti fizikuri da iuridiuli pirebis moTxovnamde depozitebs erovnuli valutiT, sabanko da samTavrobo seqtorebis depozitebis gareSe.

fulis mimoqcevis siCqare kvartalebis mixedviT gaangariSebulia wliurze gadaangariSebiT, e.i. mTliani Sida produq-

nansuri 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.

fuli (M0) – fuladi aqtivebis yvelaze likviduri nawili; moicavs mimoqcevaSi arsebul erovnul valutas, komerciuli bankebis salaroebSi arsebuli naSTebis gareSe. bankebs gareT arsebuli naRdi

depozitebi erovnuli/ucxouri valutiT – erovnuli/ucxouri valutiT denominirebuli angariSebi sabanko seqtorSi; moicavs rezidenti fizikuri da iuridiuli pirebis depozitebs; Sedgeba vadiani depozitebisa (specialuri daniSnulebis depozitebis CaTvliT) da mimdinare angariSebisagan.

informaciis wyaro: saqarTvelos erovnuli bankis uwyebrivi salicenzio reestri, saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT.

cxrili 2.4. – “saqarTvelos erovnuli bankis mimoxilva” moicavs monacemebs erovnuli bankis aqtivebisa da valdebulebebis naSTebis Sesaxeb.

ZiriTadi maCveneblebis daxasiaTeba:

ZiriTadi maCveneblebis daxasiaTeba: wminda

ucxouri

komerciuli bankebis gancxadebuli sawesdebo kapitali – aqcionerTa mier

aqtivebi

– sxvaoba saqarTvelos erovnuli bankis ucxour moTxovnebsa da valdebulebebs Soris.

daTqmuli da wesdebiT gaTvaliswinebuli sawesdebo kapitali.

saaqcio

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

ucxouri aqtivebi - moicavs monetarul oqros, nasesxobis specialur uflebebs (SDR-s), ucxour valutas da sxva ucxour aqtivebs (ix. cxr. 5.1-is “ZiriTadi maCveneblebis daxasiaTeba”).

cxrili

3.2. – “komerciuli bankebis dajgufeba ganaRdebuli sawesdebo kapitalis mixedviT”.

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”).

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

ucxouri valdebulebebi moicavs erovnuli bankis mier saerTaSoriso savaluto fondis resursebis gamoyenebas da sxva ucxour valdebulebebs ararezidentebis mimarT.

ZiriTadi maCveneblebis daxasiaTeba. ganaRdebuli

cxrili

2.5. – “sxva depozituri korporaciebis mimoxilva” moicavs monacemebs saqarTvelos komerciuli bankebis aqtivebisa da valdebulebebis naSTebis Sesaxeb. cxrili

– kapitalis

kapitali

cxrili

3.3. – “komerciuli bankebis krebsiTi aqtivebisa da pasivebis dinamika”. informaciis wyaro: saqarTvelos terito-

2.6.

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

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

III ganyofileba. komerciuli bankebi

ZiriTadi maCveneblebis daxasiaTeba. aqtivebi.

cxrili

sawesdebo

gancxadebuli sawesdebo faqtobrivad Sevsebuli nawili.

3.1.

– “finansuri seqtoris institutebi” axasiaTebs saqarTvelos fi-

naRdi fuladi saxsrebi – fuladi saxsrebi

erTi bankis dawesebulebebs Soris angariSsworebis naSTebis gareSe.

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

valdebulebebi.

bankebis

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

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.

arasabanko

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

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

sainvesticio

fasiani

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

qaRaldebi

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

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.

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

sxva valdebulebebi – sxva sabanko valdebulebebi, romlebic ar Sedis zemoT CamoTvlil kategoriebSi.

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.

saaqcio kapitali – (ix. cxr. 3.1-is ZiriTadi maCveneblebis daxasiaTeba. ). ganaRdebuli

sawesdebo kapitali - (ix. cxr. 3.2-is ZiriTadi maCveneblebis daxasiaTeba.).

daricxuli misaRebi procentebi da dividendebi – erovnul da ucxour valu-

kapitalis rezervebi – aqtivebis gadafa-

taSi 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.

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

investiciebi

sawesdebo kapitalSi – komerciuli bankebis dabandebebi Svileul da sxva sawarmoebSi.

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

ZiriTadi saSualebebi da aramaterialuri aqtivebi – ZiriTadi saSualebebis, daumTav-

cxrili 3.4.

– “komerciuli bankebis saqmianobis finansuri maCveneblebi” asaxavs komerciuli bankebis mimdinare wlis mogeba-zaralis struqturas. gaiangariSeba nazardi jamiT wlis dasawyisidan.

rebeli kapitaluri dabandebebis danaxarjebi, operaciuli lizingisa da aramaterialuri aqtivebis angariSebis naSTebi, amortizaciis Tanxebis gareSe.

sxva wminda aqtivebi – danarCeni wminda aqtivebis naSTebi savaluto poziciisa da

informaciis wyaro: saqarTvelos terito-

ZiriTadi maCveneblebis daxasiaTeba.

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

bankTaSorisi

sesxebi moicavs rogorc rezident, ise ararezident bankebze bankTaSorisi auqcionis gverdis avliT gacemul sesxebs. jamuri monacemebi, bankTaSorisi sesxebis Sesaxeb, tolia 4.14.2 cxrilebis Sesabamisi monacemebisa.

cxrili

3.5. – “komerciuli bankebis mier erovnul ekonomikaze gacemuli sesxebis davalianebis moculoba da struqtura”.

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).

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

saSualo wliuri Sewonili saprocento ganakveTebi debitorebis kategoriebisa da

ZiriTadi maCveneblebis daxasiaTeba.

valutebis mixedviT gaiangariSeba formuliT:

moklevadiani sesxebi erovnuli/ucxouri valutiT – yvela saxis sesxi, romlis dafarvis naklebia.

pirveladi

vada

weli

P

grZelvadiani sesxebi erovnuli/ucxouri valutiT – sesxebi, romelTa dafarvis

 PV V

sadac P sesxebis saSualo wliuri Sewonili saprocento ganakveTia, P – Sesabamisi xelSekrulebiT gaTvaliswinebuli nominaluri wliuri saprocento ganakveTi, V – sesxis moculoba xelSekrulebis mixedviT.

pirveladi vada Seadgens 1 welze mets.

vadagadacilebuli sesxebi erovnuli/ucxouri valutiT – klientebze gacemuli sesxebis vadagadacilebuli davalianebis Tanxebi, romlebic ar aris dafaruli sakredito xelSekrulebiT gaTvaliswinebul vadebSi.

cxrili 3.7 - “komerciuli bankebis mier

daricxuli da misaRebi procentebi erovnuli/ucxouri valutiT – klientebze

saangariSo periodSi gacemuli vadiani sesxebi debitorebis kategoriebis mixedviT”.

gacemul sesxebze daricxuli procentebis Tanxebi.

informaciis wyaro: saqarTvelos terito-

misaRebi

riaze 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.

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.

saSualo wliuri Sewonili saprocento ganakveTebi debitorebis kategoriebisa da valutebis mixedviT gaiangariSeba wesiT, rogorc 3.6 cxrilSi.

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

imave

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.

direbul 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.

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.

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

mTliani vadiani sesxebis saprocento ganakveTebis Sesaxeb monacemebi Seesabameba 3.8-3.9 cxrilebis saTanado monacemebs.

valutiT, tolia 3.7 cxrilis Sesabamisi monacemebisa.

informaciis wyaro: saqarTvelos terito-

saSualo wliuri Sewonili saprocento ganakveTebi sakuTrebis formebisa da

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

cxrili

3.10

saqmianobis saxeobebis mixedviT gaiangariSeba imave wesiT, rogorc 3.6 cxrilSi.

cxrili 3.12 – “komerciuli bankebis

“komerciuli bankebis mier rezident iuridiul pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba saqmianobis saxeebis mixedviT”.

mier rezident iuridiul da fizikur pirebze gacemuli sesxebiTa da misaRebi procentebiT davalianeba ekonomikis seqtorebis mixedviT”.

informaciis wyaro: saqarTvelos terito-

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

ZiriTadi maCveneblebis daxasiaTeba.

rezident iuridiul pirebze gacemuli vadiani sesxebis mTliani moculoba,

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/ucxouri 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 rekomen-

erovnuli ekonomikis seqtorebad dayofa Seesabameba erovnul angariSTa sistemis (1993 SNA) da, Sesabamisad, saerTaSoriso savaluto fondis mier gamocemul

“monetaruli da finansuri statistikis saxelmZRvanelos” (MFSM) klasifikacias.

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

cxrili 3.15 – “komerciuli bankebis

ZiriTadi maCveneblebis daxasiaTeba.

sadepozito valdebulebebis moculoba da struqtura” asaxavs komerciuli bankebis unaRdo saxsrebis moculobas da struqturas (anabrebi da sxva depozitebi erovnuli da ucxouri valutiT), romlebic Sedis farTo fulis (M2 da M3) SemadgenlobaSi (ix. cxr. 2.5).

sadebeto

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

informaciis wyaro: saqarTvelos terito-

sakredito

ZiriTadi maCveneblebis daxasiaTeba.

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

riaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri naerTi balansi da statistikuri angariSgeba.

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.

mimdinare angariSebi – sabanko angariSebi, romlebzedac ganTavsebulia klientTa Tavisufali fuladi saxsrebi da saidanac Tanxis moxsna SesaZlebelia dauyovnebliv, klientis moTxovnisTanave; am angariSebis daniSnulebaa klientTa finansuri operaciebis ganxorcieleba, maTi davalebiT.

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

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

cxrili 3.14 – “komerciuli bankebis mier gacemuli samomxmareblo sesxebiT davalianebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi”.

fizikuri pirebis vadiani depozitebi – rezidenti fizikuri pirebis vadian depozitebze (specialuri daniSnulebis depozitebis – garantiebis, Cekis wignakebis, akreditivebis da sxva sagadasaxado sabuTebis, CaTvliT) ricxuli fuladi saxsrebis naSTebi, romlebsac aqvT gansazRvruli vada da ericxebaT garkveuli procenti xelSekrulebis Sesabamisad.

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

ZiriTadi maCveneblebis daxasiaTeba.

cxrilebi

3.16-3.17 - “komerciuli bankebis mier erovnuli/ucxouri valutiT moziduli iuridiuli da fizikuri pirebis depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi”.

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

informaciis wyaro: saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoria-

ze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

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.

cxrili 3.19 -

“komerciuli bankebis sesxebisa da depozitebis moculoba da saSualo wliuri Sewonili saprocento ganakveTebi” - warmoadgens 3.3, 3.8, 3.9, 3.15, 3.16 da 3.17 cxrilebis Sesabamisi monacemebis agregaciis Sedegs.

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.

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 erovnuli da ucxouri valutiT ganTavsebuli vadiani depozitebis moculobebs, ranJirebuls am ukanasknelTa sididis mixedviT.

vadiani depozitebi, Cveulebriv, moicavs im depozitebs, romlebsac xelSekrulebis mixedviT aqvT gansazRvruli vada da ericxebaT garkveuli procenti.

saSualo wliuri Sewonili saprocento ganakveTebi mozidul depozitebze Sesabami-

informaciis wyaro: saqarTvelos terito-

si vadebis mixedviT gaiangariSeba formuliT:

P

 PV V

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

ZiriTadi maCveneblebis daxasiaTeba.

sadac P depozitebis saSualo wliuri Sewonili saprocento ganakveTia, P – xel-SekrulebiT gaTvaliswinebuli nominaluri wliuri saprocento ganakveTi, V – depozitis moculoba xelSekrulebis mixedviT.

cxrili moicavs yvela saxis depozits, bankTaSorisis CaTvliT.

vadian

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.

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: erovnuli da ucxouri valutiT, rezidentebis da ararezidentebis, ekonomikis seqtorebis mixedviT.

igive monacemebi, klasificirebuli rezidenti/ararezidenti ekonomikuri erTeulebisa da ekonomikis seqtorebis mixedviT, warmodgenilia 3.18 cxrilSi.

igive monacemebi, klasificirebuli mflobelTa kategoriebis mixedviT, warmodgenilia 3.21 cxrilSi.

informaciis wyaro: saqarTvelos teritoriaze moqmedi komerciuli bankebis (arare-

zidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi.

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

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.

informaciis

wyaro: saqarTvelos erovnuli bankis sabazro operaciebis jgufi. ZiriTadi maCveneblebis daxasiaTeba. emisiis moculoba – auqcionze gasayidad gamotanili sadepozito nominaluri Rirebuleba.

sertifikatebis

informaciis wyaro: saqarTvelos teritomoTxovnis

moculoba – sadepozito sertifikatebis yidvaze auqcionze warmodgenil ganacxadebSi aRniSnuli sadepozito sertifikatebis saangariSsworebo Rirebuleba.

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

ZiriTadi maCveneblebis daxasiaTeba.

ganTavseba – auqcionze dakmayofilebuli ganacxadebis jamuri RirebulebiT.

cxrilis maCveneblebi ar moicavs bankTaSoris sesxebs/depozitebs.

katis nominalur Rirebulebasa saangariSsworebo fass Soris.

cxrilebi 4.1 – 4.2. – “komerciuli ban-

mis

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.

kebis 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.

wyaro: saqarTvelos erovnuli bankis auqcionis Sedegebi, saqarTvelos teritoriaze moqmedi komerciuli bankebis (ararezidenti bankebis saqarTvelos teritoriaze arsebuli filialebis CaTvliT) yovelTviuri statistikuri angariSebi. informaciis

informaciis wyaro: 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.

ZiriTadi maCveneblebis daxasiaTeba. cxrilebis jamuri monacemebi tolia 3.6 cxrilis Sesabamisi monacemebisa.

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.

saSualo wliuri Sewonili saprocento ganakveTebi (ix. cxr. 3.6-is “ZiriTadi maCveneblebis daxasiaTeba”). sadepozito

nominaluri

diskonti – sxvaoba sadepozito sertifi-

IV. ganyofileba – finansuri bazrebi

cxrili

Tanxa

4.3

– “erovnuli bankis sertifikatebis auqcionebis

NEER    1   ei  i 1  14

ZiriTadi maCveneblebis daxasiaTeba 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: realuri

RExR  1

sadac

ei 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.

CPIgeo In CPIj 

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

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 14 ZiriTad savaWro partnior qveyanaSi (azerbaijani, aSS, bulgareTi, gaerTianebuli samefo, germania, TurqeTi, italia, niderlandebi, rumineTi, ruseTi, safrangeTi, somxeTi, ukraina, yazaxeTi) realuri gacvliTi kursebis Sewonili saSualo geometriuli:

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.

P  REER      1  e  i  i 1  Pi sadac ei aris laris nominaluri gacvliTi

informaciis wyaro: saqarTvelos erovnuli

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.

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

bankis yovelTviuri naerTi balansi.

ZiriTadi maCveneblebis daxasiaTeba mTliani saerTaSoriso rezervebi Sedgeba

monetaruli oqro – warmoadgens erovnuli bankis gankargulebaSi arsebul oqros, romelsac sarezervo daniSnuleba aqvs da romlis sinji aranakleb 995/1000Seadgens. 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.

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

cxrili 4.12. – “nominaluri efeqturi gacvliTi kursi” warmoadgens partniori qveynebis mimarT (ix. punqti 4.11) laris nominaluri gacvliTi kursis indeqsebis Sewonil saSualo geometriuls:

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.

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

sarezervo

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.

pozicia ssf-Si asaxavs im Tanxas, romliTac saqarTvelos kvota ssfSi 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.

Semosavlebi dakavSirebulia SromiT saqmianobasTan da aseve finansur aqtivebTan da valdebulebebTan dakavSirebul procentebTan.

informaciis wyaro: absoluturi monacemebis wyaroa saqarTvelos finansTa saministro, xolo SefardebiTi maCveneblebi gaangariSebulia saqarTvelos erovnuli bankis mier.

mimdinare transfertebi moicavs rogorc

ZiriTadi maCveneblebis daxasiaTeba

saxelmwifoTaSoris da saerTaSoriso daxmarebas, ise mosamsaxureTa gzavnilebs.

mTliani sagareo vali procentulad mTlian Sida produqtTan gaangariSebulia,

kapitalisa da finansuri operaciebis angariSi Sedgeba kapitalis angariSis, rac asaxavs kapitalur transfertebTan da arawarmoebul arafinansur aqtivebTan dakavSirebul operaciebs, da finansuri operaciebis angariSisagan. es ukanaskneli warmodgenilia oTxi funqcionaluri kategoriiT. esenia: pirdapiri investiciebi, portfelis investiciebi, sxva investiciebi da sarezervo aqtivebi.

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.

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.

cxrili 5.3. – “saqarTvelos sagadasaxdelo balansi” warmoadgens statistikur angariSs, romelSic raodenobrivad aisaxeba qveynis ekonomikuri urTierTobebi ararezidentebTan.

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

informaciis

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

sxva investiciebi warmodgenilia komerciuli kreditebis, sesxebis, naRdi fulisa da depozitebis da sxva investiciebis saxiT.

ZiriTadi maCveneblebis daxasiaTeba

sarezervo aqtivebi asaxavs qveynis mTliani saerTaSoriso rezervebis cvlilebas. isini klasificirdeba, rogorc: monetaruli oq-

sagadasaxdelo balansis mimdinare operaciebis angariSi asaxavs realur operaciebs,

ro, 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.

departamentis mier miwodebul satvirTosabaJo 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.

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.

informaciis

wyaro: saqarTvelos statistikis erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTosabaJo deklaraciebis monacemebs.

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

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 satvirTosabaJo deklaraciebis monacemebs.

wyaro:

saqarTvelos statistikis erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo departamentis mier miwodebul satvirTosabaJo 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.

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

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

wyaro:

saqarTvelos statistikis erovnuli samsaxuri, romelic eyrdnoba saqarTvelos sabaJo