,,იმდენი ისესხეთ, რამდენის გასტუმრებასაც შეძლებთ. გახსოვდეთ, ბოლო ჟამს ფულის სესხება ადვილი აღარ არის, მაგრამ ჩასესხება კიდევ უფრო ძნელია!”
irma cecxlaZe 27 48 93 –
saqarTvelos mosaxleobisTvis yvelaze didi problema sabanko sistema, maRali procentebi da dausrulebeli valebi gaxda. ise gamwarda xalxi, rom biZina ivaniSvilmac ki gadawyvita maTi daxmareba, Tumca `Savi siidan~ amoRebuli moqalaqeebi isev ukan `dabrundnen~. mwiri xelfasebi, inflacia da avardnili fasebi iZulebuls xdis adamians isev sabanko ablabudaSi gaixlarTos, agresiuli reklamebiT SemoTavazebuli Tanxa aiRos da isev kabalaSi Cavardnilma gaagrZelos uimedobiT dayadaRebuli cxovreba.
mainc ra moculobis Tanxaa gasesxebuli komerciuli bankebis mier, rogoria erovnul da ucxour valutaSi gacemuli kreditebis Tanafardoba, ra tipis sesxebze modis sakredito portfelis yvelaze didi wili, ramdenia vadagadacilebuli da umoqmedo sesxebis moculoba, amaze saubrobs ekonomisti, finansisti samson xoneli, romelic sakmaod saintereso informacias da eqspertebis analizebs gvTavazobs.
mis mier komerciuli bankebis sakredito portfelis mimoxilva gagvarkvevs, jamurad ra moculobis sesxia gacemuli, rogoria kreditebis larizaciisa da dolarizaciis koeficienti, ra tipis sesxebs gvTavazobs sabanko seqtori da rogoria saprocento ganakveTebi.
„mimdinare wlis ianvris pirvel dRes komerciuli bankebis sakredito portfelis mTliani moculoba 38.8 miliard lars Seadgenda. bevria es Tu cota? gagikvirdebaT, ar maqvs pasuxi. daxmarebisTvis sabanko sferos eqsperts mivmarTe. mTxova da vinaobas ar gavamxel, didi xnis megobaria. „arc bevria da arc cota. aba, ra giTxra, gaaCnia visTvis“, − mokle komentariT Semoifargla.faqtia, kovid-19-is pandemiiT gamowveuli mwvave ekonomikuri krizisis pirobebSic, roca erTmaneTs ekonomikur saqmianobaze dawesebuli globaluri da wertilovani SezRudvebi periodulad enacvleboda, bolo erTi wlis ganmavlobaSi larSi gacemuli sesxebis moculoba 2.9 miliardi lariT gaizarda, xolo ucxour valutaSi zrda 3.7 miliardi laria. gasuli wlis bolos sakredito portfelis zrda gacvliTi kursis efeqtis gareSe 9 procenti iyo. erovnuli bankis prezidenti koba gvenetaZe varaudobs, rom wels es maCvenebeli 5-10 procentis farglebSi iqneba“, – acxadebs samson xoneli da gvTavazobs konkretuli regionebis, maT Soris, aWaris sabanko kreditebis mimoxilvas.
„gamarTldeba Tu ara qveynis mTavari bankiris prognozi, dro gviCvenebs, manamde ki, SesaZloa gagikvirdeT, magram pirvel rigSi, sakredito portfelis geografiiT davinteresdebi. araferi moulodneli, sabanko seqtoris mier rogorc erovnul, ise ucxour valutaSi gacemuli sesxebis moculobiT dedaqalaqi liderobs. diax, larSi gacemuli 16.94 miliardi laris kreditidan Tbilisis wili 63.6 procentia, 7.4 procentiT meore adgils imereTi ikavebs. mesame poziciaze aWaraa 7.1 procentiT. yvelaze mcire wili, 0.12 procenti raWa-leCxumsa da qvemo svaneTze modis. ucxouri valutiT gacemuli kreditebis SemTxvevaSic, pirveli sameuli ucvlelia, lideris pozicia Tbiliss kidev ufro myarad ukavia. misi wili 82 procentia. imereTma da aWaram adgilebi gacvales. 9.9 procentiT meore adgilze aWaraa, mesame poziciaze – imereTi, romlis wili 2.9 procentze naklebia. ucxour valutaSi gacemul sesxebSic autsaideri raWa-leCxumia 0.005 procentiT. mTlian sakredito portfelSi, rogorc larSi, aseve ucxour valutaSi, Tbilisis wili 73.9 procentia, aWaris −- 8.7 procenti, xolo imereTis – 4.9 procenti. marTalia, es sxva „operidan“ aris, magram aqve mogaxsenebT: pirdapiri ucxouri investiciebis 70 procentic dedaqalaqze modis. arc aris gasakviri, TbilisSi xom oficialurad mosaxleobis 32 procenti, realurad ki naxevarze meti cxovrobs da ekonomikuri saqmianobis udidesi wilic qveynis dedaqalaqze modis.“
finansisti saubrobs sakredito portfelis miznobriobazec: „gacemul sesxebSi 87.8 procenti ipoTekuri da biznessesxebis wilia, samomxmareblo kreditebis wili ki mxolod 12.2 procenti, bolo erT weliwadSi samomxmareblo sesxebis moculoba 15 procentiT gaizarda. mTliani sakredito portfelis larizaciis maCvenebeli 45 procents aRwevs, Tumca samomxmareblo kreditebSi es maCvenebeli 87.7 procents aWarbebs. Zalian didi sxvaobaa. ratom, ris xarjze? − SesaZloa CameZios mkiTxveli. ra gaewyoba, ganvmartav, samomxmareblo sesxebis absoluturi umravlesoba 200.000 larze naklebia da banks misi ucxour valutaSi gacema akrZaluli aqvs. gamonaklisi mxolod is pirebi arian, romlebsac Semosavali ucxour valutaSi aqvT. diax, erT-erTi mTavari piroba, romelic kreditis aRebisas unda gaiTvaliswinoT, swored es aris: Tanxa im valutaSi unda isesxoT, romelSic Semosavali gaqvT!. . samomxmareblo sesxebis TiTqmis 96 procenti grZelvadiania. sxva tipis kreditebTan SedarebiT, samomxmareblo kreditze, mcire moculobisa da SedarebiT maRali riskis gaTvaliswinebiT, procenti ufro maRalia, saSualod 17.3 procents Seadgens. bolo erT weliwadSi larSi gacemuli sesxebi 0.8 procentiT – 17.6-dan 18.4 procentamde gaZvirda.“
sabanko kreditebis 64.8 procenti uzrunvelyofilia uZravi qonebiT. es ipoTekuri sesxebia, romelTa moculoba erTi wlis ganmavlobaSi 6 miliardi lariT gaizarda. larizaciis koeficienti 33.6 procentia. rogorc larSi, aseve ucxour valutaSi ipoTekuri sesxebis absoluturi umravlesoba erT welze meti vadisaa. kerZod, larSi erT welze meti vadiT gacemuli ipoTekuri sesxebis raodenoba 94 procents aRwevs, xolo ucxour valutaSi -− 94.5 procents.
erovnul valutaSi gacemuli ipoTekuri sesxebis 67 procenti fizikur pirebze modis. maTi wili 43 procentamde mcirdeba ucxouri valutiT gacemul sesxebSi. rac Seexeba saprocento ganakveTebs, bunebrivia, qonebiT uzrunvelyofili sesxebi kreditorisTvis nakleb risks Seicavs da is samomxmareblo sesxze iafia. fizikur pirebs grZelvadian sesxSi saSualod 11.8 procentis gadaxda uwevT, iuridiul pirebs – 12.4 procentis. ucxouri valutis SemTxvevaSi sesxs 6.7 procenti ericxeba. fizikuri pirebisTvis – 6.3 procenti, xolo iuridiuli pirebisTvis – 7 procenti.
„mimdinare wlidan sayuradRebo tendencia gamoikveTa. kerZod, „Tibisi kapitalis“ mier Catarebuli kvlevis SedegebiT gairkva, rom subsidirebis programis dasrulebis Semdeg, axali ipoTekuri sesxebis raodenoba 43.7 procentiT Semcirda. dokumentSi isic aRniSnulia, rom TbilisSi uZravi qonebis gayidvebis maCvenebelmac iklo, daaxloebiT 7 procentiT. aqve SegaxsenebT, rom ipoTekuri sesxebis subsidirebis programa 2020 wlis ivlisidan amoqmedda. programis biujeti jamSi 70 milion lars Seadgenda da mis farglebSi sesxebis Tanadafinanseba 5 weli gagrZeldeba“, – acxadebs xoneli.
mogexsenebaT, kovidekonomikam moqalaqeTa Semosavlebze ukiduresad negatiurad imoqmeda. zusti monacemebi ar arsebobs, Tu ramdenma adamianma dakarga samsaxuri da ramdens Semosavali Seumcirda, Tumca aravin davobs, rom maTi raodenoba aTasobiTaa. es procesi sakredito portfelSi vadagadacilebuli sesxebis wilzec aisaxa. bolo erT weliwadSi vadagadacilebuli sesxebis moculoba 46 procentiT gaizarda. erTi wlis win problemuri sesxebis moculoba sakredito portfelis 1.13 procents Seadgenda, dRes ukve 1.37 procentia. erovnuli bankis prezidentis TqmiT, momsaxurebis problema umeteswilad, ucxour valutaSi gacemul kreditebs Seeqmna, rac kidev erTxel usvams xazs, rom aseT kreditebs gacvliTi kursis riskebi axlavs Tan.
koba gvenetaZis gancxadebiT, sabanko sesxebis 8.8 procenti restruqturizebulia. pandemiis dawyebamde restruqturizebuli sesxebis wili portfelis 3.7 procenti iyo. mTavari bankiris ganmartebiT, bankebi sesxebis restruqturizebis yvelaze met moTxovnebs ucxour valutaSi gacemul kreditebze iReben. maT Soris ki pirvel adgilze evroSi dakreditebuli ipoTekuri sesxebia. es imaze mianiSnebs, rom moqalaqeebs, romlebmac Tavis droze sesxebi evroSi aiRes, kursis gauaresebis gamo, axla mniSvnelovani problemebi SeeqmnaT.
vadagadacilebuli sesxebi sakredito portfelis negatiuri wilis mxolod erTi nawilia da Tanac iseTi, romelsac gastumrebis perspeqtiva met-naklebad mainc aqvs. arsebobs kidev e.w. umoqmedo sesxebi. es komerciuli bankebis mier arastandartuli, saeWvo da uimedo kategoriad klasificirebuli sesxebis jamia. erovnuli bankis prezidenti mimdinare wlis ganmavlobaSi sabanko sistemaSi arsebuli umoqmedo sesxebis 10 procentamde zrdas prognozirebs. amJamad es maCvenebeli daaxloebiT 8.4 procents Seadgens.
dabolos, ra aris mTavari, rac bankSi Tanxis sesxebamde unda vicode? – svams kiTxvas samson xoneli da Tavadve pasuxobs: `sanam nasesxeb Tanxas salarosTan daTvliT, kredit-oficerTan kargad gaTvaleT Tqveni Semosavlebi. imdeni isesxeT, ramdenis gastumrebasac SeZlebT. gaxsovdeT, bolo Jams fulis sesxeba advili aRar aris, magram Casesxeba kidev ufro Znelia! ai, sul es aris~. . .
Pp.s. gadawyvetileba miRebulia da martis Sua ricxvebamde ZalaSia: erovnuli bankis monetaruli politikis komitetma mimdinare wlis 3 Tebervlis sxdomaze refinansirebis ganakveTi ucvlelad, 8.0 procentis niSnulze datova. arada, bolo erTi wlis ganmavlobaSi saqarTveloSi mimdinare inflaciuri procesebisa da erovnuli valutis saSualod 17 procentis farglebSi gaufasurebis gaTvaliswinebiT, eqspert-analitikosTa didi nawili monetaruli politikis kidev ufro gamkacrebas varaudobda. molodini ar gamarTlda.
