ablv ar 1999 ru · 2014-09-03 · rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq...

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Page 1: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz
Page 2: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz
Page 3: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

CJLTH:FYBT%

Cjj,otybt herjdjlcndf <fyrf . . . . . . . . . 2

Abyfycjdst jnxtns pf 1999 ujl . . . . . . . 13

Jnxtn j ghb,skb b e,snrf[ . . . . . . . . 17

<fkfyc b dyt,fkfycjdst

j,zpfntkmcndf . . . . . . . . . . . . . . . . . . 18

Jnxtn j, bpvtytybz[ d rfgbnfkt

b htpthdf[ . . . . . . . . . . . . . . . . . . . . . 19

Jnxtn j ldb;tybb

ltyt;ys[ chtlcnd . . . . . . . . . . . . . . . 19

Ghbvtxfybz r abyfycjdsv

jnxtnfv . . . . . . . . . . . . . . . . . . . . . . . 20

Jnxtn felbnjhjd . . . . . . . . . . . . . . . . . . . 35

Ghbkj;tybz%

Abyfycjdst jnxtns pf gthdsq

rdfhnfk 2000 ujlf . . . . . . . . . . . . . . . . . . 36

Cnhernehf <fyrf . . . . . . . . . . . . . . . . . . . 38

Ghfdktybt <fyrf . . . . . . . . . . . . . . . . . . 39

dtplbt AB

Page 4: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktdf yfghfdj%"hytcn <thybc>Fktrcfylh <thuvfybcJktu Abkm

`Rfxtcndj ghtlkfuftvs[ <fyrjv eckeu pfdbcbn jn byntuhbhjdfyyjuj dpfbvjltqcndbz dct[ ,fyrjdcrb[

bycnbnewbq b ghjatccbjyfkmyjq lj,hjcjdtcnyjcnb rf;ljuj cgtwbfkbcnf`.

"hytcn <thybc

Ghtlctlfntkm Cjdtnf

`Cgkjxtyyfz b ghjatccbjyfkmyfz rjvfylf – nfrbvb yfc pyf/n yfib Rkbtyns> b> rfr e rjvfyls> e yfc

ytn nfrjq wtkb> rjnjhjq vs yt cvjukb ,s ljcnbxm`.

Fktrcfylh <thuvfybc

Ghtlctlfntkm Ghfdktybz

`Bylbdblefkmysq gjl[jl> edf;tybt> vfrcbvfkmysq extn gj;tkfybq Rkbtynjd – djn nf jcyjdf>

yf rjnjhjq vs cnhjbv cnf,bkmyst b lkbntkmyst ltkjdst jnyjitybz`.

Jktu Abkm

Pfvtcnbntkm ghtlctlfntkz Ghfdktybz

Page 5: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

3

Rjvfylf jghtltkztn

ljcnb;tybzPfrjyxbkcz tot jlby abyfycjdsq ujl d bcnj-

hbb <fyrf. "njn ujl cnfk lkz yfc ujljv ,jkmib[

gthtvty – hfcntn <fyr> hfcibhztncz cgtrnh

ghtlkfuftvs[ eckeu.

Dct ,jkmitt dybvfybt <fyr eltkztn hf,jnt yf

hsyrt Kfndbb. Dsujlyst nfhbas> [jhjij

ghjlevfyyfz rhtlbnyfz gjkbnbrf> yjdfz ltgjpbn-

yfz ghjuhfvvf> crjhjcnm b dscjrjt rfxtcndj

j,cke;bdfybz jnrhsdf/n dct yjdst b yjdst

djpvj;yjcnb lkz yfib[ Rkbtynjd.

Jlybv bp cnhfntubxtcrb df;ys[ yfghfdktybq

d hf,jnt <fyrf jcnftncz j,cke;bdfybt ythtpb-

ltynjd. <kfujlfhz frnbdyjq ltzntkmyjcnb

Eghfdktybz vt;leyfhjlys[ jnyjitybq <fyr gj-

cnjzyyj ghbdktrftn yjds[ Rkbtynjd.

Ghbybvfz dj dybvfybt> xnj ,jkmifz xfcnm

Rkbtynjd j,cke;bdftncz d Hbut> d 'njv ujle yf

Cj,hfybb frwbjythjd ,skj ghbyznj htitybt j

gthtyjct wtynhfkmyjuj jabcf <fyrf. Ntgthm wtyn-

hfkmysq jabc <fyrf yf[jlbncz d Hbut> yf

ek."kbpf,tntc> 23. Gj 'njve ;t flhtce hf,jnftn b

Hb;crbq abkbfk <fyrf.

Endth;lty Cjdtn <fyrf d yjdjv cjcnfdt. Ghtl-

ctlfntktv Cjdtnf <fyrf bp,hfy "hytcn <thybc>

pfvtcnbntktv ghtlctlfntkz Cjdtnf – Zybc Rhbuthc.

D cjcnfd yjdjuj Ghfdktybz <fyrf djikb k/lb>

yt jlby ujl ghjhf,jnfdibt d <fyrt> jnkbxyj

hfp,bhf/obtcz d ,fyrjdcrjq catht b pyf/obt

ye;ls Rkbtynjd. Ghfdktybt <fyrf endth;ltyj d

cjcnfdt itcnb xktyjd Ghfdktybz <fyrf b jlyjuj

rfylblfnf d xktys Ghfdktybz <fyrf% ghtlctlfntkm

Ghfdktybz – Fktrcfylh <thuvfybc> pfvtcnbntkm

ghtlctlfntkz Ghfdktybz – Jktu Abkm> xktys

Ghfdktybz – Gfdtk Iytthcjy> Fktrcfylh Gf;t>

Pfyt Rehptvybtwt b Fqdfh Hfecrf> rfylblfn d

xktys Ghfdktybz – Vfhbc Rfyytybtrc.

Ghbznyj jnvtnbnm> xnj pf ghjitlibq 1999 ujl

frnbds f#j `Aizkraukles banka` edtkbxbkbcm yf

43.4fi. J,(tv dslfyys[ rhtlbnjd djphjc yf

86.3fi> j,(tv ghbdktxtyys[ ltgjpbnjd edtkbxbk-

cz – yf 65.3fi. "nb lfyyst> rfr b njn afrn> xnj

felbnjhcrfz abhvf `Arthur Andersen` lfkf

pfrk/xtybt j abyfycjdjv cjcnjzybb <fyrf ,tp

jujdjhjr> cdbltntkmcnde/n j, ecgtiyjq ltzntkm-

yjcnb <fyrf d 1999 ujle. Lj[jls jn jcyjdyjq

ltzntkmyjcnb <fyrf cjcnfdbkb 4.77 vbkkbjyf

kfnjd. Flvbybcnhfnbdyst b lheubt hfc[jls –

1.71 vbkkbjyf kfnjd. Ytnnj hfc[jls lkz cjplfybz

yfrjgktybq lkz cjvybntkys[ ljkujd cjcnfdbkb

3.58 vbkkbjyf kfnjd> d njv xbckt yfrjgktybz lkz

Ujcelfhcndtyys[ j,kbufwbq Erhfbys> d cjjndtn-

cndbb c gthtcvjnhtyyjq jwtyrjq bcnbyyjq cnjb-

vjcnb> d hfpvtht 2.89 vbkkbjyf kfnjd. D htpekm-

nfnt e,snrb f#j `Aizkraukles banka` pf 1999 ujl

cjcnfdbkb 575 nsczx kfnjd.

Pf ghjitlibq ujl d <fyrt ,skf hfphf,jnfyf

yjdfz ltgjpbnyfz ghjuhfvvf> rhtlbnyfz gjkbnbrf

cnfkf ,jktt dsujlyjq lkz yfib[ Rkbtynjd> hfcib-

htyf ctnm ,fyrjd-rjhhtcgjyltynjd> hfphf,jnfy b

dytlhty ghjuhfvvysq rjvgktrc Internet Banking`.

D 'njv ujle> yfhzle c hfcxtnysvb rfhnfvb

Eurocard/MasterCard, American Express b Maestro, vs

ghtlkj;bv yfibv Rkbtynfv lt,tnyst vt;le-

yfhjlyst hfcxtnyst rfhns VISA b VISA Electron.

Felbnjhcre/ ghjdthre d 2000 ujle ,eltn ghj-

djlbnm felbnjhcrfz abhvf `Deloitte&Touche

Tohmatsu`.

D 2000 ujle <fyr gkfybhetn edtkbxbnm frnbds

yf 23.6fi> j,(tv dslfyys[ rhtlbnjd yf 89.4fi>

j,(tv ghbdktxtyys[ ltgjpbnjd yf 14.3fi> rfgb-

nfk b htpthds yf 61.3fi. F#j `Aizkraukles banka`

gkfybhetn pfrjyxbnm 2000 ujl c ghb,skm/

2.79 vbkkbjyf kfnjd.

Page 6: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktdf yfghfdj%Gfdtk IytthcjyFqdfh Hfecrf

`Dj dnjhjq gjkjdbyt ,eleotuj ujlf vs gkfybhetv frnbdytt j,hfofnmcz r afrnjhbyue – yjdjve

cgjcj,e rhtlbnjdfybz> rjnjhsq e;t ,sk ecgtiyj fghj,bhjdfy d ghjitlitv ujle`.

Gfdtk Iytthcjy

Lbhtrnjh Hb;crjuj abkbfkf

`D 2000 ujle vs gkfybhetv eltkznm ,jkmit dybvfybz ghbdktxtyb/ yjds[ Rkbtynjd> b> xnj,s ,snm

,kb;t r yfibv Rkbtynfv> ,eltv jnrhsdfnm yjdst hfcxtnyst wtynhs`.

Fqdfh Hfecrf

Pfvtcnbntkm lbhtrnjhf Hb;crjuj abkbfkf

Page 7: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

5

Yjdst bltb - yjdst hsyrb

<kfujlfhz ghbyznsv d 1997 b 1998 ujlf[ herj-

djlcndjv f#j `Aizkraukles banka` htitybzv hfcib-

hbnm ltzntkmyjcnm Hb;crjuj abkbfkf> d ghjitlitv

ujle pyfxbntkmyj edtkbxbkbcm frnbds <fyrf yf

vtcnyjv hsyrt. Djphfcnf/obq cghjc yf rhtlbns

jnhf;ftn gkfyjvthyj hfcneoe/ ,fpe rjhgjhf-

nbdys[ Rkbtynjd.

Gj-ght;ytve jlybv bp ghbjhbntnys[ yfghfd-

ktybq ltzntkmyjcnb <fyrf zdkztncz j,cke;bdfybt b

abyfycbhjdfybt jgnjds[ ghjlfdwjd> jcj,tyyj

bvgjhnthjd. Cgtwbfkbpfwbz f#j `Aizkraukles

banka` d vt;leyfhjlys[ jgthfwbz[ gjpdjkztn

ghtlkfufnm Rkbtynfv yt njkmrj rhtlbns lkz abyfy-

cbhjdfybz j,jhjnys[ chtlcnd b rfgbnfkj-

dkj;tybq> yj b yfbdsujlytqibt eckjdbz gtht-

xbcktybq b rjydthnfwbb dfk/n> f nfr;t ljrevty-

nfhys[ gkfnt;tq.

Ghbybvfz dj dybvfybt gjnht,yjcnb Rkbtynjd>

d 1999 ujle <fyr hfpyjj,hfpbk dbls rhtlbnjd>

jghtltkbd eckjdbz chjxyjuj b wtktdjuj rhtlbnj-

dfybz> f nfr;t rhtlbnjd gjl pfkju.

D rhtlbnyjq gjkbnbrt <fyrf cj[hfytys cfvst

;tcnrbt nht,jdfybz r hfpvtotyb/ rhtlbnys[

htcehcjd. Pfrjyjvthysq htpekmnfn 'njq gjkbnbrb –

gjdsitybt rfxtcndf rhtlbnyjuj gjhnatkz.

Yfrjgktybz gj rhtlbnfv cjrhfnbkbcm c 19.6fi lj

6.0fi jn ,hennj j,(tvf rhtlbnyjuj gjhnatkz.

Bcgjkmpez ,fpe xfcnys[ Rkbtynjd> d 2000 ujle

vs ,eltv frnbdytt ghtlkfufnm hfcxtnyst rfhns

Eurocard/MasterCard> VISA b Maestro> xnj gjpdjkbn

edtkbxbnm j,(tv gjnht,bntkmcrjuj rhtlbnf.

D 1999 ujle <fyr frnbdyj pfybvfkcz rhtlbnjdf-

ybtv xfcnys[ kbw> rjywtynhbhez cdjt dybvfybt yf

bgjntxyjv rhtlbnjdfybb b gjnht,bntkmcrb[ rhtlb-

nf[> j,tcgtxtyys[ pfkjujv ytldb;bvjuj bveotcn-

df. D ntxtybt ujlf j,(tv rhtlbnjd> dslfyys[ xfcn-

ysv kbwfv> gjxnb enhjbkcz> ljcnbuyed 2.97 vbk-

kbjyf kfnjd !rhtlbnysq jcnfnjr yf 31 ltrf,hz 1998

ujlf cjcnfdbk 0.99 vbkkbjyf kfnjd@.

Ntvgs hjcnf rhtlbnyjuj gjhnatkz <fyrf d 'njv

ctrnjht pyfxbntkmyj ghtdpjikb chtlybt gjrf-

pfntkb jnhfckb !hjcn d 1999 ujle – 47.3fi@. D rjywt

ujlf gj ,fkfycfv dct[ rhtlbnys[ exht;ltybq

Kfndbqcrjq Htcge,kbrb rhtlbns xfcnysv kbwfv cj-

cnfdbkb 94.6 vbkkbjyf kfnjd. Ljkz f#j `Aizkraukles

banka` yf 'njv hsyrt cjcnfdbkf 3.14fi> xnj

,jkmit> xtv ljkz <fyrf d j,otv rhtlbnyjv gjhn-

atkt Kfndbqcrb[ ,fyrjd !0.95fi jn cevvs rhtlbnjd>

dslfyys[ htpbltynfv Kfndbqcrjq Htcge,kbrb@.

Ceotcndtyyj edtkbxbkcz j,(tv dyt,fkfycjds[

cltkjr – ufhfynbq> gjhexbntkmcnd b frrhtlbnbdjd.

J, 'njv cdbltntkmcndetn gznbrhfnyjt edtkbxtybt gj

chfdytyb/ c rjywjv 1998 ujlf cevvs j,hf,j-

nfyys[ ufhfynbq b frrhtlbnbdjd Hb;crjuj abkbfkf.

Xnj,s cltkfnm eckeub <fyrf ,jktt ljcnegysvb>

d rjywt 1999 ujlf Hb;crbq abkbfk jnrhsk ldt

cnhernehyst tlbybws – hfcxtnysq wtynh `Imanta` b

Wtynh bgjntxyjuj rhtlbnjdfybz. Pflfxf hfcxtn-

yjuj wtynhf `Imanta` – j,ktuxbnm ghjwtcc hfcxtnjd

jgnjds[ ghjlfdwjd. Wtynh bgjntxyjuj rhtlbnjdf-

ybz cgtwbfkbpbhetncz yf j,cke;bdfybb xfcnys[

kbw.

Xnj,s ghtlkj;bnm Rkbtynfv Hb;crjuj abkb-

fkf dct ytj,[jlbvst abyfycjdst eckeub> vs ,e-

ltv ghjljk;fnm cjdthitycndjdfnm e;t bvt/obtcz

eckeub> f nfr;t dytlhznm yjdst. Vs gkfybhetv

edtkbxbnm rhtlbnysq gjhnatkm rjhgjhfnbdys[

Rkbtynjd yf 41.0fi.

Vs ghtldblbv> xnj d 2000 ujle pyfxbntkmyj

frnbdbpbhetncz hsyjr ytldb;bvjuj bveotcndf> b

djphfcnen j,(tvs rhtlbnjdfybz xfcnys[ kbw>

jcj,tyyj bgjntxyjt rhtlbnjdfybt. "nj nf j,kfcnm>

d rjnjhjq <fyr e;t lj,bkcz jghtltktyys[ ecgt[jd.

Tvrjcnm hsyrf b yflt;yjcnm bgjntxyjuj

rhtlbnjdfybz gjpdjkz/n ghjuyjpbhjdfnm hjcn 'njq

ljkb rhtlbnyjuj gjhnatkz yf 90.0fi> b> ghb

abyfycbhjdfybb cnhjbntkmys[ ghjtrnjd> edtkbxb-

nm ljk/ d 'njv ctrnjht hsyrf.

Page 8: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktdf yfghfdj%Pfyt RehptvybtwtFktrcfylh Gf;t

`T;tlytdyj <fyr ghjdjlbn ,jktt ltcznb nsczx hfpkbxys[ ,fyrjdcrb[ jgthfwbq. Cnhjubq rjynhjkm b

njxysq extn zdkz/ncz pfkjujv ecgtiyjuj b cnf,bkmyjuj hfpdbnbz <fyrf`.

Pfyt Rehptvybtwt

Herjdjlbntkm Jgthfwbjyyjuj eghfdktybz

`Ukfdysv ljcnjzybtv yfituj <fyrf zdkz/ncz tuj cgtwbfkbcns – vjkjlst> 'ythubxyst> c jnkbxysv

j,hfpjdfybtv> dkflt/obt ytcrjkmrbvb byjcnhfyysvb zpsrfvb b c dtkbrjktgysv pyfybtv ,fyrjdcrjuj

ltkf`.

Fktrcfylh Gf;t

Herjdjlbntkm Flvbybcnhfnbdyjuj b ?hblbxtcrjuj eghfdktybz

Page 9: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

7

Cnhtvktybtr cjdthitycnde

Ghjatccbjyfkmysq gjntywbfk cjnhelybrjd

<fyrf> rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf

j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-

djq ltzntkmyjcnm/ <fyrf> lf/n djpvj;yjcnm

gkfybhjdfybz lfkmytqituj hfcibhtybz <fyrf d

2000 ujle.

Rflhjdfz gjkbnbrf <fyrf jcnftncz ytbp-

vtyyjq% vs nofntkmyj jn,bhftv cgtwbfkbcnjd b

gthcgtrnbdys[ vjkjls[ 'ynepbfcnjd lkz hf,jns c

Rkbtynfvb> j,tcgtxbdftv ytj,[jlbvjt j,extybt

b lftv djpvj;yjcnm ghjzdbnm ct,z d rjvfylyjq

hf,jnt.

Jcyjdyfz hjkm d hfpdbnbb <fyrf ghbyflkt;bn

cjukfcjdfyyjq rjvfylyjq hf,jnt. Njkmrj d rj-

vfylt vs vj;tv lj,bnmcz dctcnjhjyyb[ b htpekm-

nfnbdys[ ljcnb;tybq. Yfif wtkm – edtkbxbnm

'aatrnbdyjcnm hf,jns <fyrf b j,tcgtxbnm tot

,jktt dscjrjt rfxtcndj j,cke;bdfybz.

Dbpbnyfz rfhnjxrf <fyrf – cgjcj,yjcnm tuj

cjnhelybrjd gjybvfnm ghj,ktvs Rkbtynjd>

yf[jlbnm r rf;ljve Rkbtyne bylbdblefkmysq

gjl[jl b ghjzdkznm ub,rjcnm d gjbcrt htitybq.

Njkmrj nfr vs cvj;tv lj,bnmcz ljdthbz cdjb[

Rkbtynjd.

Ukfdyst pflfxb Flvbybcnhfnbdyjuj b

?hblbxtcrjuj eghfdktybz pfrk/xf/ncz d

j,tcgtxtybb ltzntkmyjcnb b hfpdbnbz <fyrf d

cjjndtncndbb c nht,jdfybzvb pfrjyyjcnb b rjy-

nhjktv yfl ntv> xnj,s pfrk/xf/obtcz jn bvtyb

<fyrf cltkrb ,skb ytjcgjhbvs d ghfdjdjv

jnyjitybb. Ghb vfrcbvfkmyjv cjrhfotybb

j,(tvf hbcrjdfyys[ ,fyrjdcrb[ jgthfwbq>

ytj,[jlbvj cktlbnm pf ntv> xnj,s djpvj;yst

e,snrb yt ghtdsifkb uhfybw pfgkfybhjdfyyjuj

hbcrf. Lkz njuj> xnj,s ,fyrjdcrbt eckeub

ghtljcnfdkzkbcm bcrk/xbntkmyj d hfvrf[

pfrjyyjcnb b yt dcnegfkb d ghjnbdjhtxbt c

bynthtcfvb Rkbtynjd <fyrf> ytj,[jlbvj

rjynhjkbhjdfnm ghjwtcc cjcnfdktybz dct[

,fyrjdcrb[ ljrevtynjd> b[ pfrjyyjcnm b

rjhhtrnyjcnm.

D ljgjkytybt r rjyrhtnysv jgthfwbzv> d

rjnjhs[ <fyr dscneftn rfr rjynhfutyn>

Flvbybcnhfnbdyjt b ?hblbxtcrjt eghfdktybt

rjynhjkbhetn ckj;ye/ cbcntve dyenhtyytq b

dytiytq gjkbnbrb <fyrf. Vyjujj,hfpbt b

df;yjcnm 'nb[ aeyrwbq jghtltkbkj vtcnj

Flvbybcnhfnbdyjuj b ?hblbxtcrjuj eghfdktybz

chtlb lheub[ jnltkjd b eghfdktybq <fyrf.

Gjkyjwtyysq b jndtxf/obq pfrjyyjcnb extn

yt zdkztncz tlbycndtyyjq aeyrwbtq Jgthf-

wbjyyjuj eghfdktybz. Lheufz> yt vtytt df;yfz

aeyrwbz – fyfkbp lfyys[ extnf> j,tcgtxbdf/obq

gkfybhjdfybt b rjynhjkm hfcxtnjd> f nfr;t

'aatrnbdyjcnm ltzntkmyjcnb <fyrf> gjl-

ndth;ltyye/ rjyrhtnysvb wbahfvb. "nj dpfb-

vjltqcndbt lftn djpvj;yjcnm dctcnjhjyyt jwt-

ybnm ghjbc[jlzobt ghjwtccs b zdkztncz

ceotcndtyysv bycnhevtynjv d ghjwtcct eghfd-

ktybz hfpdbnbtv <fyrf.

Ytcvjnhz yf nj> xnj cgtwbfkbcns

Jgthfwbjyjuj eghfdktybz d ghjwtcct cdjtq

hf,jns yt cnfkrbdf/ncz yfghzve/ c Rkbtynfvb>

bvtyyj jn b[ rjvgtntywbb pfdbcbn ,scnhjt b

,tpjib,jxyjt dsgjkytybt jgthfwbq> b> rfr cktl-

cndbt – htgenfwbz yfituj <fyrf.

Page 10: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktdf yfghfdj%Jktu CbhjnbyCnfybckfd Pf,hjwrbq

`Jcyjdf yfitq hf,jns – dpfbvyjt ljdthbt b f,cjk/nyfz rjyabltywbfkmyjcnm ghtljcnfdkztvjq d <fyr

byajhvfwbb`.

Jktu Cbhjnby

Eghfdktybt vt;leyfhjlys[ jnyjitybq

Herjdjlbntkm Jnltkf j,cke;bdfybz Rkbtynjd

`Vs gj ghfde ujhlbvcz ecgt[fvb cdjb[ Rkbtynjd d abyfycjdjq catht> gjcrjkmre pyftv> xnj d 'njv

tcnm b yfif pfckeuf`.

Cnfybckfd Pf,hjwrbq

Eghfdktybt vt;leyfhjlys[ jnyjitybq

Herjdjlbntkm Jnltkf jnrhsnbz cxtnjd

Page 11: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

9

Dpfbvyjtljdthbt

D 1999 ujle jcyjdyjq frwtyn d hf,jnt <fyrf

,sk cltkfy yf ghbdktxtybt yjds[ Rkbtynjd> d

htpekmnfnt xtuj d ntxtybt ghjitlituj ujlf xbckj

jnrhsns[ d <fyrt rjhgjhfnbdys[ b kbxys[ cxtnjd

ghtdscbkj ltcznbnsczxysq he,t;.

Dj dnjhjv gjkeujlbb 1999 ujlf Rkbtynfv

<fyrf ,skf ghtlkj;tyf nofntkmyj hfphf,jnfyyfz

ltgjpbnyfz ghjuhfvvf> d cdzpb c xtv j,(tv drkf-

ljd Rkbtynjd-ythtpbltynjd <fyrf d ntxtybt

1999 ujlf djphjc yf 21.0 vbkkbjy kfnjd b ljcnbu

r rjywe ujlf 51.2 vbkkbjyf kfnjd.

D yjds[ nfhbaf[ ,fyrjdcrb[ eckeu Rkbtynfv

ghtlkfuftncz ,jktt elj,yfz b dsujlyfz cbcntvf

ghjdtltybz dfk/nys[ gthtxbcktybq. D 1999 ujle

,skf jgnbvbpbhjdfyf cbcntvf rjhhtcgjyltyncrb[

cxtnjd> xnj gjpdjkbkj cybpbnm cnjbvjcnm hfcxtnjd

b cdtcnb r vbybveve hbcrb> cdzpfyyst c ds,jhjv

ujcelfhcndf> f nfr;t rhtlbnyst hbcrb.

Eltkzz jcj,jt dybvfybt hf,jnt yf djcnjxys[

hsyrf[> d 1999 ujle d <fyrt ,skf ddtltyf yjdfz

cnhernehyfz tlbybwf – cjplfyj Eghfdktybt

vt;leyfhjlys[ jnyjitybq. Yfhzle c lheubvb

jnltkfvb> d lfyyjt Eghfdktybt d[jlzn Jnltk

jnrhsnbz cxtnjd b Jnltk j,cke;bdfybz Rkbtynjd.

Ytcjvytyysv ghtbveotcndjv <fyrf zdkztncz

f,cjk/nyfz ufhfynbz rjyabltywbfkmyjcnb ghtlj-

cnfdktyyjq d <fyr byajhvfwbb. Ljdthbt vt;le

<fyrjv b Rkbtynfvb zdkztncz jcyjdjq ltkjdjuj

cjnhelybxtcndf.

<fyr bcgjkmpetn cfvjt cjdhtvtyyjt

nt[ybxtcrjt j,tcgtxtybt. <fyr ghtlkfuftn cdjbv

Rkbtynfv djpvj;yjcnm eghfdkznm hfcxtnysv

cxtnjv gj afrce> vjltve bkb gj Bynthytne. Ghb

'njv jcj,jt dybvfybt <fyr eltkztn cbcntvt pfob-

ns byajhvfwbb b rjyabltywbfkmyjcnb ghjdtlt-

ybz ,fyrjdcrb[ jgthfwbq. Yfib Rkbtyns e;t

jwtybkb ghtbveotcndf hf,jns c ghjuhfvvysv

j,tcgtxtybtv `<fyr-rkbtyn` b ghjuhfvvysv

rjvgktrcjv `Internet Banking`.

<fyr ghtljcnfdkztn d hfcgjhz;tybt rf;ljuj

Rkbtynf lde[ gthcjyfkmys[ vtytl;thjd> ujnjds[

ghtljcnfdbnm k/,st rjycekmnfwbb> rfcf/obtcz

hf,jns Rkbtynf c <fyrjv> b cjghjdj;lf/ob[

ghjdjlbvst Rkbtynjv jgthfwbb c vjvtynf gjke-

xtybz <fyrjv hfcgjhz;tybz lj vjvtynf tuj

bcgjkytybz.

D 2000 ujle> d cdzpb c edtkbxtybtv j,(tvf

ghjdjlbvs[ jgthfwbq> <fyr gkfybhetn hfcibht-

ybt Jnltkf jnrhsnbz cxtnjd b Jnltkf j,cke;bdf-

ybz Rkbtynjd.

Rfr dctulf> ,jkmijt dybvfybt ,eltn eltkznmcz

gjdsityb/ rdfkbabrfwbb b ljgjkybntkmyjve

j,extyb/ gthcjyfkf. D gkfys <fyrf d[jlbn lfkm-

ytqitt hfpdbnbt b ecjdthitycndjdfybt ghjuhfv-

vyjuj rjvgktrcf `Internet Banking`.

Jcj,jt vtcnj d cnhfntubb <fyrf pfybvftn

lfkmytqitt hfpdbnbt rkbtyncrjq ,fps b hfcib-

htybt cgtrnhf ghtljcnfdkztvs[ <fyrjv eckeu c

wtkm/ j,tcgtxtybz lkz Rkbtynjd <fyrf tot ,jktt

rfxtcndtyyjuj j,cke;bdfybz.

D 2000 ujle> yfhzle c e;t ceotcnde/obvb

hfcxtnysvb rfhnfvb Eurocard/MasterCard, American

Express b Maestro, <fyr ghtlkj;bn cdjbv Rkbtynfv

vt;leyfhjlyst hfcxtnyst rfhns VISA b VISA

Electron.

Vs edthtys> tckb ds cltkfkb ds,jh d gjkmpe

f#j `Aizkraukles banka`> e Dfc ybrjulf yt ,eltn

gjdjlf gj;fktnm j, 'njv.

Page 12: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktdf yfghfdj%Lvbnhbq <tkjecjdFylhbc <fylthcVfhbc Rfyytybtrc

`Xtnrfz bydtcnbwbjyyfz gjkbnbrf> jgsn b ghjatccbjyfkbpv cjnhelybrjd pyfxbntkmyj erhtgkz/n

vt;leyfhjlye/ htgenfwb/ <fyrf. Dct ,jkmitt xbckj Rkbtynjd ljdthztn yfv rfr ghbywbgbfkmysv

cnhfntubxtcrbv gfhnythfv`.

Lvbnhbq <tkjecjd

Eghfdktybt vt;leyfhjlys[ jnyjitybq

Herjdjlbntkm Jnltkf abyfycjds[ bycnbnewbq

`J,(tv dfk/nys[ jgthfwbq> ghjdjlbvs[ Eghfdktybtv abyfycjds[ hsyrjd d 1999 ujle> ghtdscbk

200 vbkkbjyjd ljkfhjd CIF d vtczw`.

Vfhbc Rfyytybtrc

Eghfdktybt abyfycjds[ hsyrjd

Herjdjlbntkm Jnltkf lbkbyujds[ jgthfwbq

`Jcyjdyst ecbkbz Jnltkf ajyljds[ jgthfwbq ,skb cjchtljnjxtys yf hf,jnt yf hsyrf[ cnhfy OECD,

b j,(tv dkj;tybq yf rjytw ujlf ljcnbu 17.76 vbkkbjyf kfnjd`.

Fylhbc <fylthc

Eghfdktybt abyfycjds[ hsyrjd

Herjdjlbntkm Jnltkf ajyljds[ jgthfwbq

Page 13: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

11

Ldb;tybt gjdjc[jlzotq

Yf ghjnz;tybb 1999 ujlf Jnltk abyfycjds[

bycnbnewbq Eghfdktybz vt;leyfhjlys[ jnyjit-

ybq frnbdyj ghjdjlbk jgnbvbpfwb/ rjhhtcgjy-

ltyncrb[ cxtnjd <fyrf.

C ddtltybtv tlbyjq tdhjgtqcrjq dfk/ns

TVC – tdhj – ,skb cjplfys dct ytj,[jlbvst

ghtlgjcskrb lkz cjrhfotybz rjkbxtcndf rjh-

htcgjyltyncrb[ cxtnjd> jnrhsns[ d yfwbjyfkmys[

dfk/nf[ cnhfy-exfcnybw TVC> f nfr;t gthtcvjn-

htys jnyjitybz cj vyjubvb ,fyrfvb-rjhhtcgjy-

ltynfvb. Jcyjdysvb rhbnthbzvb cnfkb vbybvbpf-

wbz hfc[jljd yf ghjdtltybt vt;leyfhjlys[ jgt-

hfwbq b djpvj;yjcnm gjkextybz nfrb[ ljgjk-

ybntkmys[ eckeu> rfr dsltktybt ytgjrhsns[ rht-

lbnys[ kbybq b cjnhelybxtcndj yf hsyrf[ FOREX b

Money Market.

D cnhfyf[ CYU jgnbvbpfwbz cbcntvs rjh-

htcgjyltyncrb[ cxtnjd ghjdjlbkfcm gj ghbywbge

;tcnrjq jwtyrb cnhfyjdjuj hbcrf b rhtlbnyjuj

hbcrf ,fyrf-rjynhfutynf.

D 2000 ujle <fyr gkfybhetn hfcibhtybt xbckf

ceotcnde/ob[ rhtlbnys[ kbybq b gjbcr yjds[

gthcgtrnbdys[ gfhnythjd d j,kfcnb vt;leyf-

hjlys[ abyfycjd. Jcj,jt dybvfybt <fyr eltkztn

'aatrnbdyjcnb abyfycjds[ jgthfwbq – cyb;t-

yb/ ct,tcnjbvjcnb b gjdsityb/ lj[jlyjcnb. Vs

yfvthtys pyfxbntkmyj hfcibhbnm cgtrnh eckeu yf

hfpkbxys[ dfk/nys[ hsyrf[> ghtlkfufz yfibv

Rkbtynfv yt njkmrj j,sxyst dfk/nyst jgthfwbb>

yj b ghjbpdjlyst abyfycjdst bycnhevtyns –

dfk/nyst jgthfwbb swap b forward.

<fyr jlyjdhtvtyyj hfpdbdftn cdj/ ltzntkm-

yjcnm yf dfk/nys[ hsyrf[ cnhfy CYU b yf hsyrf[

cdj,jlyj rjydthnbhetvs[ dfk/n> ghtljcnfdkzz

cdjbv Rkbtynfv cfvst dsujlyst eckjdbz rjydth-

nfwbb. J,(tv dfk/nys[ jgthfwbq> ghjdjlbvs[

Eghfdktybtv abyfycjds[ hsyrjd d 1999 ujle>

ghtdscbk 200 vbkkbjyjd ljkfhjd CIF d vtczw.

D gkfyf[ <fyrf yf 2000 ujl – lfkmytqitt

ecjdthitycndjdfybt hbcrjdjuj vtytl;vtynf> d

xfcnyjcnb> d jnyjitybb ,fyrjd-rjhhtcgjyltynjd

b ,fyrjd-rjynhfutynjd rfr d cnhfyf[ Pfgflyjq

Tdhjgs b CIF> nfr b d cnhfyf[ CYU.

D ghjitlitv abyfycjdjv ujle <fyr frnbdyj

hf,jnfk d j,kfcnb ljrevtynfhyjuj ,bpytcf.

Djphfcnf/ott xbckj b j,(tv gjlj,ys[ jgthfwbq

cdbltntkmcnde/n j gthcgtrnbdyjcnb b df;yjcnb

'rcgjhnyj-bvgjhnys[ jgthfwbq lkz yfib[

Rkbtynjd.

Ltzntkmyjcnm Jnltkf ajyljds[ jgthfwbq d

ntxtybt 1999 ujlf ght;lt dctuj ,skf jhb-

tynbhjdfyf yf abyfycjdst hsyrb cnhfy OECD.

<fyr dshf,jnfk yjde/ gjkbnbre dkj;tybz wtyys[

,evfu> jcyjdyjq ghbywbg rjnjhjq pfrk/xftncz d

cjrhfotybb hbcrf dkj;tybz b lbdthcbabrfwbb

dkj;tybq. Jcj,tyyj dscjrbt htpekmnfns ,skb

ljcnbuyens d hbcrjds[ fh,bnhf;ys[ jgthfwbz[. D

1999 ujle j,(tv dkj;tybq d j,kbufwbb b wtyyst

,evfub c abrcbhjdfyysv lj[jljv cjcnfdbk 17.76

vbkkbjyf kfnjd.

D cktle/otv abyfycjdjv ujle Jnltk

ajyljds[ jgthfwbq ghtlkj;bn cdjbv Rkbtynfv

nfr;t ,hjrthcrbt eckeub b eckeub gj eghfdktyb/

frnbdfvb. D jnkbxbt jn vt;leyfhjlys[ abyfy-

cjds[ rjvgfybq> hf,jnf/ob[ bcrk/xbntkmyj c

rhegysvb drkflfvb> cjnhelybrb Jnltkf ajyljds[

jgthfwbq f#j $Aizkraukles banka” hf,jnf/n> ltkzncz

jgsnjv b lf/n Rkbtynfv <fyrf fhuevtynbhjdfy-

yst cjdtns gj abyfycjdsv dkj;tybzv.

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Page 15: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

CJLTH:FYBT%

Abyfycjdst jnxtns pf 1999 ujl . . . . . . . 13

Jnxtn j ghb,skb b e,snrf[ . . . . . . . . 17

<fkfyc b dyt,fkfycjdst

j,zpfntkmcndf . . . . . . . . . . . . . . . . . . 18

Jnxtn j, bpvtytybz[ d rfgbnfkt

b htpthdf[ . . . . . . . . . . . . . . . . . . . . . 19

Jnxtn j ldb;tybb

ltyt;ys[ chtlcnd . . . . . . . . . . . . . . . 19

Ghbvtxfybz r abyfycjdsv

jnxtnfv . . . . . . . . . . . . . . . . . . . . . . . 20

Jnxtn felbnjhjd . . . . . . . . . . . . . . . . . . . 35

Ghbkj;tybz%

Abyfycjdst jnxtns pf gthdsq

rdfhnfk 2000 ujlf . . . . . . . . . . . . . . . . . . 36

Cnhernehf <fyrf . . . . . . . . . . . . . . . . . . . 38

Ghfdktybt <fyrf . . . . . . . . . . . . . . . . . . 39

Abyfycjdst jnxtns

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JNXTN HERJDJLCNDF

Pfdthibkcz itcnjq ujl ltzntkmyjcnb frwbjythyjuj j,otcndf $Aizkraukles banka$ !lfktt d ntrcnt – <fyr@> rjnjhsq djqltn d bcnjhb/ <fyrf

rfr ujl byntycbdyjq b cthmtpyjq hf,jns. Gjlndth;ltybtv 'njuj zdkztncz cgjcj,yjcnm <fyrf cj[hfyznm cdj/ cnf,bkmyjcnm b

rjyrehtynjcgjcj,yjcnm d ,fyrjdcrjq cbcntvt Kfndbb d cjjndtncndbb cj cnhfntubtq hf,jns <fyrf> erhtgkzz b gjcnjzyyj hfcibhzz

j,cke;bdftve/ xfcnm hsyrf> cnfd jlybv bp ltcznb cfvs[ cnf,bkmys[ ,fyrjd Kfndbb b ghtlkfufz Rkbtynfv ljgjkybntkmyst eckeub> frnbdyj

ghjljk;fz hf,jnfnm yfl ecjdthitycndjdfybtv ghtlkfuftvs[ eckeu> b[ hfpyjj,hfpbtv> nt[yjkjubzvb hfcghjcnhfytybz.

D cdjtv hfpdbnbb <fyr dctulf cnhtvbkcz yfqnb ,fkfyc vt;le ghb,skmyjcnm/ b bynthtcfvb Rkbtynjd. Ghfdbkmyjcnm nfrjq jhbtynfwbb

gjlndth;lftn gjcnjzyyjt edtkbxtybt xbckf rfr rjhgjhfnbdys[> nfr b xfcnys[ rkbtynjd. Dscjrbq ghjatccbjyfkbpv b ,tperjhbpytyyjt

dsgjkytybt gjhextybq Rkbtynjd gjvjuftn <fyre cjplfdfnm j,hfp yflt;yjuj abyfycjdjuj gfhnythf. "nj yfukzlyj gjlndth;lftn

edtkbxtybt j,(tvf ljkujchjxys[ bydtcnbwbq.

<fyr gjcktljdfntkmyj ghjljk;ftn djgkjofnm cnhfntub/ dctcnjhjyytuj hfpdbnbz b cnfhftncz eljdktndjhbnm gjnht,yjcnb rf;ljuj Rkbtynf.

Nfr> d ghjikjv ujle> <fyr yfxfk cjplfybt hfcxtnys[ uhegg> jnrhsd hfcxtnysq wtynh $Imanta$> rjnjhsq> ukfdysv j,hfpjv> ghtlyfpyfxty

lkz j,cke;bdfybz cltkjr ghtlghbznbq jgnjdjq njhujdkb> f nfr;t Wtynh bgjntxyjuj rhtlbnjdfybz> rjnjhsq cgtwbfkbpbhetncz yf

ghtljcnfdktybb pfqvjd xfcnysv kbwfv gjl pfkju ytldb;bvjuj bveotcndf.

D j,kfcnb rhtlbnjdfybz <fyr ghjljk;ftn abyfycbhjdfnm njhujdst cltkrb Rkbtynjd> f nfr;t yfxfk ghtlkfufnm eckeub gj rhtlbnjdfyb/

lt,bnjhcrjq pfljk;tyyjcnb d dblt afrnjhbyuf. Pyfxbntkmyjq xfcnm/ j,otuj rhtlbnyjuj gjhnatkz zdkz/ncz bgjntxyst rhtlbns gjl pfkju

ytldb;bvjuj bveotcndf.

D ntxtybt jnxtnyjuj ujlf edtkbxbkcz j,(tv b lheub[ ghtljcnfdkztvs[ yfvb eckeu. D chfdytybb c ghtlsleobv ujljv> pyfxbntkmyj djphjckj

rjkbxtcndj dslfyys[ frrhtlbnbdjd b ufhfynbq. Ghbznyj jnvtnbnm> xnj pyfxbntkmyj edtkbxbkfcm ,fpf vtcnys[ Rkbtynjd> dvtcnt c xtv

edtkbxbkjcm b rjkbxtcndj vtcnys[ gthtxbcktybq. <jktt ibhjrj dytlhzkbcm yjdst ghbywbgs dpfbvjjnyjitybq vt;le <fyrjv b

Rkbtynfvb> ghtlkfufz ytrjnjhst 'ktvtyns eckeu gj vtytl;vtyne.

J,j,ofz htpekmnfns ghjitlituj ujlf> ytj,[jlbvj jnvtnbnm> xnj> ytcvjnhz yf e,snrb d hfpvtht 575>483 kfnjd> <fyr cevtk cj[hfybnm b

ghjljk;ftn gjllth;bdfnm dscjrbq ehjdtym kbrdblyjcnb – 77.0%.

Fqprhferkt> 21 vfhnf 2000 ujlf

Ghtlctlfntkm Cjdtnf Zybc Rhbuthc

Ghtlctlfntkm Ghfdktybz Fktrcfylh <thuvfybc

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

14

Page 17: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

HERJDJLCNDJ <FYRF

D Cjdtn <fyrf d[jlzn gznm xktyjd Cjdtnf b jlby rfylblfn%

Ghtlctlfntkm Cjdtnf%

Zybc Rhbuthc

Pfvtcnbntkm ghtlctlfntkz Cjdtnf%

Pfyt Rehptvybtwt Ukfdysq ,e[ufknth Hb;crjuj abkbfkf

Xktys Cjdtnf%

Fktrcfylh Gf;t Herjdjlbntkm /hblbxtcrjuj jnltkf Hb;crjuj abkbfkf

Gfdtk Iytthcjy Herjdjlbntkm rhtlbnyjuj jnltkf Hb;crjuj abkbfkf

Nfnmzyf Helpbif Herjdjlbntkm rhtlbnyjuj jnltkf

Rfylblfn%

Lvbnhbq <tkjecjd Herjdjlbntkm jnltkf rjhhtcgjyltyncrb[ jnyjitybq Hb;crjuj abkbfkf

19 vfhnf 1999 ujlf gjkyjt cj,hfybt frwbjythjd <fyrf jcdj,jlbkj Fyye Fv,eknt jn bcgjkytybz j,zpfyyjcntq rfylblfnf d xktys

Cjdtnf b yfpyfxbkj Lvbnhbz <tkjecjdf rfylblfnjv d xktys Cjdtnf. D ntxtybt jnxtnyjuj gthbjlf b lj vjvtynf gjlgbcfybz abyfy-

cjds[ jnxtnjd lheub[ bpvtytybq d cjcnfdt Cjdtnf <fyrf yt ghjbpjikj.

D Ghfdktybt <fyrf d[jlzn nhb xktyf Ghfdktybz b jlby rfylblfn%

Ghtlctlfntkm Ghfdktybz%

Fktrcfylh <thuvfybc

Pfvtcnbntkb ghtlctlfntkz Ghfdktybz%

"hytcn <thybc Lbhtrnjh Hb;crjuj abkbfkf

Jktu Abkm Pfvtcnbntkm lbhtrnjhf Hb;crjuj abkbfkf

Rfylblfn%

Nfnmzyf Kermzy/r Ukfdysq ,e[ufknth

D ntxtybt jnxtnyjuj gthbjlf b lj vjvtynf gjlgbcfybz abyfycjds[ jnxtnjd> Ghfdktybt <fyrf yt vtyzkjcm.

Fqprhferkt> 21 vfhnf 2000 ujlf

Ghtlctlfntkm Cjdtnf Zybc Rhbuthc

Ghtlctlfntkm Ghfdktybz Fktrcfylh <thuvfybc

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

15

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CJJ<OTYBT J< JNDTNCNDTYYJCNB HERJDJLCNDF

Herjdjlcndj <fyrf jndtncndtyyj pf gjlujnjdre abyfycjds[ jnxtnjd <fyrf. Abyfycjdst jnxtns gjlujnjdktys d cjjndtncndbb c pfrj-

yjv $J rhtlbnys[ exht;ltybz[$> erfpfybzvb <fyrf Kfndbb b lheubvb nht,jdfybzvb pfrjyjlfntkmcndf Kfndbqcrjq Htcge,kbrb>

jnyjczobvbcz r rhtlbnysv exht;ltybzv.

Abyfycjdst jnxtns> jnhf;tyyst yf cnhfybwf[ 17–34> gjlujnjdktys yf jcyjdfybb gthdbxys[ ljrevtynjd extnf b lf/n ghfdlbdjt

ghtlcnfdktybt j abyfycjdjv gjkj;tybb <fyrf gj cjcnjzyb/ yf 31 ltrf,hz 1999 ujlf b yf 31 ltrf,hz 1998 ujlf> j htpekmnfnf[ tuj

ltzntkmyjcnb> bpvtytybz[ d rfgbnfkt b htpthdf[> f nfr;t ldb;tybb ltyt;ys[ chtlcnd d 1999 b 1998 ujle.

Abyfycjdst jnxtns gjlujnjdktys d cjjndtncndbb c Vt;leyfhjlysvb ,e[ufknthcrbvb cnfylfhnfvb> jcyjdsdfzcm yf ghbywbgt

ghjljk;tybz ghtlghbybvfntkmcrjq ltzntkmyjcnb. D jnxtnyjv ujle gjcktljdfntkmyj bcgjkmpjdfkbcm cjjndtncnde/obt vtnjls extnf.

Htitybz> ghbyznst herjdjlcndjv d [jlt gjlujnjdrb abyfycjds[ jnxtnjd> b cltkfyyst jwtyrb ,skb dpdtitys b j,jcyjdfys.

Herjdjlcndj FJ $Fqprhferktc ,fyrf$ ytctn jndtncndtyyjcnm pf j,tcgtxtybt cjjndtncnde/otq cbcntvs ,e[ufknthcrjuj extnf>

cj[hfyyjcnm frnbdjd <fyrf> f nfr;t pf j,yfhe;tybt b ghtljndhfotybt vjityybxtcndf b lheub[ ghfdjyfheitybq> cjdthityys[ d

<fyrt.

Fqprhferkt> 21 vfhnf 2000 ujlf

Ghtlctlfntkm Cjdtnf Zybc Rhbuthc

Ghtlctlfntkm Ghfdktybz Fktrcfylh <thuvfybc

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

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Page 19: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

JNXTN J GHB<SKB B E<SNRF{PF 1998 B 1999 UJL (LVL)

Ghbvtxfybt 1999 1998

Ghjwtynyst lj[jls 3 3>134>708 4>453>497

Ghjwtynyst hfc[jls 3 !1>087>609@ !980>958@

Ytnnj ghjwtynyst lj[jls 2>047>099 3>472>539

Lj[jls jn lbdbltyljd 13>520 4>661

Rjvbccbjyyst lj[jls 4 2>332>267 2>153>504

Rjvbccbjyyst hfc[jls 4 !646>974@ !763>222@

Ytnnj rjvbccbjyyst lj[jls 1>685>293 1>390>282

Ytnnj ghb,skm#!e,snrb@ jn jgthfwbq c wtyysvb ,evfufvb b byjcnhfyyjq dfk/njq 5 995>957 !4>087>054@

Ghjxbt jgthfwbjyyst lj[jls 6 26>706 67>177

Lj[jls jn jcyjdyjq ltzntkmyjcnb 4>768>575 847>605

Flvbybcnhfnbdyst hfc[jls 7 !1>391>436@ !1>563>017@

Fvjhnbpfwbz 16 !317>898@ !532>770@

Ghjxbt jgthfwbjyyst hfc[jls !4>674@ -

Hfc[jls yf yfrjgktybz lkz cjvybntkmys[ ljkujd 8 !3>766>682@ !3>550>674@

Lj[jls jn evtymitybz yfrjgktybq 8 186>794 67>382

Ghb,skm#!e,snrb@ lj hfcxtnf yfkjujd !525>321@ !4>731>474@

Yfkjub 9 !50>162@ !46>344@

Ghb,skm#!e,snrb@ jnxtnyjuj ujlf !575>483@ !4>777>818@

Ythfcghtltktyyfz ghb,skm#!e,snrb@ jnxtnyjuj ujlf !575>483@ !4>777>818@

Fqprhferkt> 21 vfhnf 2000 ujlf

Ghtlctlfntkm Cjdtnf Zybc Rhbuthc

Ghtlctlfntkm Ghfdktybz Fktrcfylh <thuvfybc

Ghbvtxfybz zdkz/ncz ytjn(tvktvjq cjcnfdyjq xfcnm/ lfyys[ abyfycjds[ jnxtnjd.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

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<FKFYC B DYT<FKFYCJDST J<ZPFNTKMCNDF YF 31 LTRF<HZ 1999 B 1998 UJLF (LVL)

Frnbds Ghbvtxfybt 31.12.99. 31.12.98.

Ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 10 5>914>723 3>267>742

Nht,jdfybz r rhtlbnysv exht;ltybzv 11 26>583>813 24>398>250

Nht,jdfybz lj djcnht,jdfybz 12>367>375 11>440>121

Ghjxbt nht,jdfybz 14>216>438 12>958>129

Rhtlbns 12 9>440>495 5>068>376

J,kbufwbb b ghjxbt ljkujdst wtyyst ,evfub c abrcbhjdfyysv lj[jljv 13 17>756>982 9>747>949

Frwbb b ghjxbt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv 14 1>132>078 92>374

Exfcnbt d rfgbnfkt fccjwbbhjdfyys[ ghtlghbznbq 15 93>834 -

Exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq 15 - 2>900

Ytvfnthbfkmyst frnbds 16 160 320

Jcyjdyst chtlcndf 16 2>631>863 2>571>061

Ghjxbt frnbds 17 225>128 184>108

Hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls 18 1>375>732 94>655

Dctuj frnbds 65>154>808 45>427>735

Frnbds d eghfdktybb 25 229>933 320>240

Dctuj frnbds b frnbds d eghfdktybb 65>384>741 45>747>975

Gfccbds Ghbvtxfybt 31.12.99. 31.12.98.

J,zpfntkmcndf gthtl rhtlbnysvb exht;ltybzvb 19 6>209>073 7>075>350

J,zpfntkmcndf lj djcnht,jdfybz 5>705>244 1>849>915

Chjxyst b ghjxbt j,zpfntkmcndf 503>829 5>225>435

Drkfls 20 53>814>330 32>554>521

Drkfls lj djcnht,jdfybz 43>728>257 30>426>273

Chjxyst drkfls 10>086>073 2>128>248

Ghjxbt j,zpfntkmcndf 21 263>211 402>785

Lj[jls ,eleob[ gthbjljd b yfrjgktyyst hfc[jls 22 257>883 226>543

Yfrjgktybz lkz j,zpfntkmcnd b gkfnt;tq 23 48>753 31>495

Rfgbnfk b htpthds 4>561>558 5>137>041

Jgkfxtyysq jcyjdyjq rfgbnfk 26 5>000>000 5>000>000

"vbccbjyyfz yfwtyrf frwbq 254>676 254>676

Htpthdysq rfgbnfk b ghjxbt htpthds 1>001>790 1>001>790

Ythfcghtltktyyfz ghb,skm#!e,snrb@ ghtlsleob[ ktn !1>119>425@ 3>658>393

!E,snrb@ jnxtnyjuj ujlf !575>483@ !4>777>818@

Dctuj gfccbds 65>154>808 45>427>735

Gfccbds d eghfdktybb 25 229>933 320>240

Dctuj gfccbds b gfccbds d eghfdktybb 65>384>741 45>747>975

Dyt,fkfycjdst j,zpfntkmcndf

Djpvj;yst j,zpfntkmcndf 24 1>675>497 333>547

J,zpfntkmcndf gthtl rkbtynfvb 24 1>966>633 939>131

Jgthfwbb gj j,vtye dfk/ns> ytnnj 24 210>721 -

Fqprhferkt> 21 vfhnf 2000 ujlf

Ghtlctlfntkm Cjdtnf Zybc Rhbuthc

Ghtlctlfntkm Ghfdktybz Fktrcfylh <thuvfybc

Ghbvtxfybz zdkz/ncz ytjn(tvktvjq cjcnfdyjq xfcnm/ lfyys[ abyfycjds[ jnxtnjd.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

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JNXTN J< BPVTYTYBZ{ D RFGBNFKT B HTPTHDF{ PF 1999 B 1998 UJL (LVL)

Jgkfxtyysq "vbccbjyyfz Htpthdysq rfgbnfk Ythfcghtltktyyfz Dctuj rfgbnfk jcyjdyjq rfgbnfk yfwtyrf frwbq b ghjxbt htpthds ghb,skm#!e,snrb@ b htpthds

Jcnfnjr yf 31 ltrf,hz 1997 ujlf 5>000>000 254>676 1>001>790 3>658>393 9>914>859

E,snrb pf 1998 ujl - - - !4>777>818@ !4>777>818@

Jcnfnjr yf 31 ltrf,hz 1998 ujlf 5>000>000 254>676 1>001>790 !1>119>425@ 5>137>041

E,snrb pf 1999 ujl - - - !575>483@ !575>483@

Jcnfnjr yf 31 ltrf,hz 1999 ujlf 5>000>000 254>676 1>001>790 !1>694>908@ 4>561>558

JNXTN J LDB:TYBB LTYT:YS{ CHTLCND PF 1999 B 1998 UJL (LVL)

1999 1998

Ldb;tybt ltyt;ys[ chtlcnd d htpekmnfnt jgthfwbjyyjq ltzntkmyjcnb

Ghb,skm#!e,snrb@ lj hfcxtnf yfkjujd !525>321@ !4>731>474@

Fvjhnbpfwbz ytvfnthbfkmys[ frnbdjd b jcyjdys[ chtlcnd 317>898 540>728

Edtkbxtybt#!evtymitybt@ yfrjgktybq lkz cjvybntkmys[ ljkujd 3>562>684 3>434>323

!Ghb,skm@#e,snrb jn gthtjwtyrb byjcnhfyyjq dfk/ns !29>093@ 5>308>259

!Ghb,skm@#e,snrb jn ghjlf;b jcyjdys[ chtlcnd - !6>396@

!Edtkbxtybt@#evtymitybt ghjxb[ frnbdjd !41>020@ 401>885

!Edtkbxtybt@#evtymitybt hfc[jljd ,eleob[ gthbjljd b yfrjgktyys[ lj[jljd !1>282>939@ !15>751@

Edtkbxtybt#!evtymitybt@ ghjxb[ j,zpfntkmcnd !139>574@ !2>424>972@

Edtkbxtybt#!evtymitybt@ lj[jljd ,eleob[ gthbjljd b yfrjgktyys[ hfc[jljd 31>340 171>481

Edtkbxtybt#!evtymitybt@ yfrjgktybq lkz j,zpfntkmcnd b gkfnt;tq 17>503 30>060

Edtkbxtybt#!evtymitybt@ ltyt;ys[ chtlcnd b b[ 'rdbdfktynjd>

lj bpvtytybq frnbdjd b gfccbdjd> d htpekmnfnt jgthfwbjyyjq ltzntkmyjcnb 1>911>478 2>708>143

Edtkbxtybt#!evtymitybt@ rhfnrjchjxys[ bydtcnbwbq !1>013>495@ 6>583>568

!Edtkbxtybt@#evtymitybt nht,jdfybq r rhtlbnysv exht;ltybzv 3>044>873 !4>989>429@

!Edtkbxtybt@#evtymitybt rhtlbnjd !4>452>885@ 251>102

Edtkbxtybt#!evtymitybt@ j,zpfntkmcnd gthtl rhtlbnysvb exht;ltybzvb !4>721>606@ 2>712>635

Edtkbxtybt#!evtymitybt@ drkfljd yfctktybz 21>259>809 !11>593>075@

Edtkbxtybt#!evtymitybt@ ltyt;ys[ chtlcnd b b[ 'rdbdfktynjd

d htpekmnfnt jgthfwbjyyjq ltzntkmyjcnb 16>028>174 4>327>056

!Yfkjub@ !50>162@ !192>182@

Ldb;tybt ltyt;ys[ chtlcnd d htpekmnfnt bydtcnbwbjyyjq ltzntkmyjcnb

!Ghbj,htntybt@ jcyjdys[ chtlcnd> ytnnj !392>448@ !1>621>081@

!Ghbj,htntybt@ exfcnbz d rfgbnfkt ljxthyb[ ghtlghbznbq b ghjxb[ ljkujchjxys[ bydtcnbwbq !11>102>088@ 94>984

Ghjlf;f jcyjdys[ chtlcnd 13>908 11>576

Edtkbxtybt#!evtymitybt@ ltyt;ys[ chtlcnd b b[ 'rdbdfktynjd d

htpekmnfnt bydtcnbwbjyyjq ltzntkmyjcnb !11>480>628@ !1>514>521@

Ldb;tybt ltyt;ys[ chtlcnd d htpekmnfnt abyfycjdjq ltzntkmyjcnb

Dsgkfxtyyst lbdbltyls !245@ !498>565@

Edtkbxtybt#!evtymitybt@ ltyt;ys[ chtlcnd b b[ 'rdbdfktynjd d

htpekmnfnt abyfycjdjq ltzntkmyjcnb !245@ !498>565@

Edtkbxtybt#!evtymitybt@ ltyt;ys[ chtlcnd b b[ 'rdbdfktynjd 4>497>139 !6>532>324@

Ltyt;yst chtlcndf b b[ 'rdbdfktyns d yfxfkt jnxtnyjuj ujlf 21>390>510 33>231>093

Ghb,skm#!e,snrb@ jn gthtjwtyrb byjcnhfyyjq dfk/ns 29>093 !5>308>259@

Ltyt;yst chtlcndf b b[ 'rdbdfktyns d rjywt jnxtnyjuj ujlf 25>916>742 21>390>510

Ghbvtxfybz zdkz/ncz ytjn(tvktvjq cjcnfdyjq xfcnm/ lfyys[ abyfycjds[ jnxtnjd.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

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Page 22: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

GHBVTXFYBZ R ABYFYCJDSV JNXTNFV

1. JCYJDYFZ BYAJHVFWBZ

!Wbahs> erfpfyyst d crj,rf[> cjjndtncnde/n lfyysv yf 31 ltrf,hz 1998

ujlf> tckb yt erfpfyj byjt@.

FJ $Fqprhferktc ,fyrf$ !lfktt d ntrcnt - <fyr@ ,skj pfhtubcnhbhjdfyj

rfr frwbjythyjt j,otcndj d Fqprhferkt> Kfndbqcrfz Htcge,kbrf> 17 cty-

nz,hz 1993 ujlf. Jyj ltqcndetn d cjjndtncndbb c pfrjyjlfntkmcndjv

Kfndbqcrjq Htcge,kbrb b kbwtypbtq> dslfyyjq <fyrjv Kfndbb.

<fyr bvttn abkbfks d Hbut b Trf,gbkct b ldt hfcxtnyst uheggs d Hbut.

Ukfdysvb yfghfdktybzvb ltzntkmyjcnb <fyrf zdkz/ncz ghtljcnfdktybt

rhtlbnjd> gthtdjls gkfnt;tq b jgthfwbb gj j,vtye byjcnhfyyjq dfk/-

ns. Bvt/ofzcz e <fyrf kbwtypbz gjpdjkztn ghjbpdjlbnm dct ,fyrjdcrbt

jgthfwbb> ghtlecvjnhtyyst pfrjyjv $J rhtlbnys[ exht;ltybz[$> pf bc-

rk/xtybtv ghbyznbz d eghfdktybt yjds[ frnbdjd b ghjlktybz ceotcnde/-

ob[ ljujdjhjd j, frnbdf[ d eghfdktybb> rfr bpkj;tyj d Ghbvtxfybb 25.

2. DF:YTQIBT GHBYWBGS EXTNF

D 'njv ghbvtxfybb jnhf;tys df;ytqibt ghbywbgs extnf> gjcktljdf-

ntkmyj !tckb yt erfpfyj byjt@ ghbvtyztvst d ntxtybt 1999 b 1998 ujlf.

f@ Dfk/nf> bcgjkmpetvfz ghb gjlujnjdrt abyfycjds[jnxtnjdAbyfycjdst jnxtns cjcnfdktys d kfnf[ !LVL@> tckb yt erfpfyj byjt.

,@ Jcyjds extnfAbyfycjdst jnxtns gjlujnjdktys> jcyjdsdfzcm yf cjcnfdktyys[ d

jghtltktyyjv pfrjyjlfntkmcndjv gjhzlrt extnys[ htubcnhf[. "nb extnyst

htubcnhs gjlujnjdktys d cjjndtncndbb c jcyjdysv ghbywbgjv extnf

yfxfkmyjq cnjbvjcnb> drk/xfz gthtjwtyre b rjhhtrnbds jnltkmys[ cnfntq

,fkfycf> nfrbv j,hfpjv> xnj,s yfcnjzobt abyfycjdst jnxtns> gjlujnjd-

ktyyst d cjjndtncndbb c Vt;leyfhjlysvb ,e[ufknthcrbvb cnfylfhnfvb

!V<C@ b nht,jdfybzvb <fyrf Kfndbb> lfdfkb ghfdlbdjt ghtlcnfdktybt j

abyfycjdjv gjkj;tybb <fyrf.

d@ Ghbywbgs gjlujnjdrb abyfycjds[ jnxtnjdYfcnjzobt abyfycjdst jnxtns gjlujnjdktys d cjjndtncndbb c V<C b erf-

pfybzvb <fyrf Kfndbb $J ujljds[ jnxtnf[ rhtlbnys[ exht;ltybq$.

u@ Ghbpyfybt lj[jljd b hfc[jljdGhjwtynyst lj[jls b hfc[jls exbnsdf/ncz> jcyjdsdfzcm yf ghbywbgt

cjplfybz yfrjgktybq. Ghjwtynyst lj[jls yt ghbpyf/ncz gj cjvybntkm-

ysv rhtlbnfv !cv. gjzcytybt q@@. Hfcxtn ghjwtynys[ lj[jljd ghtrhfof-

tncz d njn vjvtyn> rjulf djpybrf/n cjvytybz d djpvj;yjcnb dsgkfns

cjjndtncnde/ob[ ghjwtynjd bkb cfvjq cevvs rhtlbnf. Yfrjgktybz yf

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l@ Yfrjgktybz lkz jgkfns jngecrjd hf,jnybrjdYfrjgktybz lkz jgkfns jngecrjd hf,jnybrfv> hfccxbnsdf/ncz cevvbhez

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evyj;bd 'ne cevve yf chtlybq pfhf,jnjr lkz jgkfns jngecrjd d cjjndtn-

cndbb c Nheljdsv rjltrcjv b lj,fdbd j,zpfntkmyst dsgkfns cjwbfkmyjuj

cnhf[jdfybz hf,jnjlfntkz.

t@ Gthtjwtyrf byjcnhfyys[ dfk/nJgthfwbb d byjcnhfyyjq dfk/nt gthtjwtybdf/ncz d kfns gj

ltqcnde/otve d ltym jgthfwbb j,vtyyjve rehce byjcnhfyys[ dfk/n>

ecnfyjdktyyjve <fyrjv Kfndbb. Vjytnfhyst frnbds b j,zpfntkmcndf d

byjcnhfyyjq dfk/nt gthtjwtybdf/ncz d kfns gj ltqcnde/otve yf rjytw

ujlf rehce j,vtyf byjcnhfyyjq dfk/ns> ecnfyjdktyyjve <fyrjv Kfndbb.

Ghb,skm bkb e,snrb> gjytctyyst d htpekmnfnt bpvtytybq j,vtyyjuj

rehcf byjcnhfyyjq dfk/ns drk/xf/ncz d jnxtn j ghb,skb b e,snrf[ rfr

ghb,skm bkb e,snrb jn gthtjwtyrb gjpbwbq byjcnhfyyjq dfk/ns.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

20

Jcyjdysvb jghtltktyysvb <fyrjv Kfndbb j,vtyysvb rehcfvb dfk/n>

rjnjhst bcgjkmpjdfkbcm d gjlujnjdrt ,fkfycf <fyrf> ,skb cktle/obt

!LVL pf jlye tlbybwe byjcnhfyyjq dfk/ns@%

Yf rjytw jnxtnyjuj gthbjlf USD RUB EUR

31 ltrf,hz 1999 ujlf 0.583 0.0213 0.587516

31 ltrf,hz 1998 ujlf 0.569 0.0267 -

;@ Gjlj[jlysq yfkju c ghtlghbznbqD cjjndtncndbb c nht,jdfybzvb yfkjujdjuj pfrjyjlfntkmcndf Kfndbqcrjq

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25% jn j,kfuftvs[ yfkjujv lj[jljd> gjkextyys[ d cjjndtncnde/otv

yfkjujdjv gthbjlt.

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hfpkbxbq vt;le jnltkmysvb gjpbwbzvb d yfkjujds[ ltrkfhfwbz[ b lfyys[

abyfycjds[ jnxtnf[> hfccxbnfys bcgjkmpez vtnjl j,zpfntkmcnd. Jnkj-

;tyyst yfkjub jnyjczncz r djpvj;ysv d ,eleotv yfkjujdsv nht,jdfybzv

b j,zpfntkmcndfv gj dctv cltkrfv b cj,snbzv> rjnjhst ghbpyfys d abyfy-

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ntkmcndf jghtltkz/ncz bcgjkmpez yfkjujdst cnfdrb> rjnjhst ghtlecvjnhtyj

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rf/n d htpekmnfnt bcgjkmpjdfybz d abyfycjdjv extnt b hfcxtnt yfkjujds[

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p@ RhtlbnsRhtlbns jnhf;f/n jcyjdye/ cevve ytdjpdhfotyys[ rhtlbnjd> pf dsxtnjv

erfpfyys[ d Ghbvtxfybb 8 yfrjgktybq lkz cjvybntkmys[ ljkujd.

Lkz ye;l lfyys[ abyfycjds[ jnxtnjd nht,jdfybz> dsntrf/obt bp ljujdj-

hjd gj kbpbyue> drk/xtys d cnfnm/ ,fkfycf `Rhtlbns`.

b@ Abyfycjdsq kbpbyu b fhtylfNht,jdfybz b j,zpfntkmcndf> dsntrf/obt bp ljujdjhjd gj kbpbyue> d

yfxfkt fhtyls erfpsdf/ncz rfr frnbds b j,zpfntkmcndf> rjnjhst jnhf;tys

gj yfbvtymitq bp bcnbyyjq cnjbvjcnb fhtyletvjuj bveotcndf bkb ctuj-

lyziytq dtkbxbys vbybvfkmys[ fhtylys[ gkfnt;tq. Lj[jls jn abyfycj-

djuj kbpbyuf ghbpyf/ncz d ntxtybt dctuj fhtylyjuj ljujdjhf> j,tcgtxbdfz

gjcnjzyye/ b htuekzhye/ jnlfxe jn jcnfnjxyjq cnjbvjcnb bydtcnbwbq.

Gkfnt;b jn fhtyls frnbdjd drk/xf/ncz d jnxtn j ghb,skb b e,snrf[ yf

ghjnz;tybb dctuj gthbjlf ljujdjhf fhtyls> bcgjkmpez kbytqysq vtnjl.

q@ Yfrjgktybz lkz cjvybntkmys[ ljkujdCjvybntkmysvb rhtlbnfvb> drk/xfz rhtlbns> dslfyyst rhtlbnysv

exht;ltybzv> cxbnf/ncz rhtlbns b lheubt rhtlbnyst jcnfnrb> gj rjnjhsv

ghtlecvjnhtyyst d ljujdjht gkfnt;b jcyjdyjq cevvs ghjchjxtys ,jktt

xtv yf 30 lytq> gkfnt;b ghjwtynjd – ,jktt xtv yf 90 lytq> f nfr;t nt

rhtlbns> j djpvj;yjcnb djpdhfnf ghjwtynjd b jcyjdyjq cevvs gj rjnj-

hsv e herjdjlcndf <fyrf djpybrkb cjvytybz.

<fyr dslftn rkbtynfv rhtlbns rjvvthxtcrjuj b gjnht,bntkmcrjuj [fhfrnt-

hf. "rjyjvbxtcrjt gjkj;tybt jnltkmyjuj htubjyf vj;tn gjdkbznm yf cgj-

cj,yjcnm ljk;ybrjd dthyenm dslfyyst bv rhtlbns. Jghtltkzz dtkbxbye yf-

rjgktybq lkz cjvybntkmys[ ljkujd> herjdjlcndj <fyrf ghbyzkj dj dybvfybt

rfr cgtwbabxtcrbq> nfr b j,obq hbcr. Yfrjgktybz lkz cjvybntkmys[ ljkujd

cjplf/ncz d cjjndtncndbb c V<C b nht,jdfybzvb <fyrf Kfndbb> b jnhf;f/n

ghjuyjpbhetve/ cevve djpvj;ys[ e,snrjd d rjywt jnxtnyjuj ujlf. Cgtwb-

fkmyst yfrjgktybz gj cjvybntkmysv rhtlbnfv cjplf/ncz> jwtybdfz rf;lsq

rhtlbn d jnltkmyjcnb> ghbybvfz dj dybvfybt abyfycjdjt gjkj;tybt

pftvobrf b cnjbvjcnm pfkjuf> exbnsdfz eckjdbz rhtlbnyjuj ljujdjhf b jght-

ltktyyst <fyrjv Kfndbb juhfybxtybz cntgtyb hbcrf cltkjr. J,obt yfrj-

gktybz cjplf/ncz lkz djpvj;ys[ e,snrjd gj rhtlbnfv> rjnjhst> yf jcyjdt

ghtlsleotuj jgsnf> vjukb ,s ceotcndjdfnm d rhtlbnyjv gjhnatkt <fyrf.

Rjulf rhtlbn rkfccbabwbhetncz rfr cjvybntkmysq bkb cdzpfyysv c dscjrjq

cntgtym/ hbcrf> lkz ytuj cjplf/ncz yfrjgktybz d hfpvtht ytgjufityyjq

Page 23: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

cevvs. Cnjbvjcnm pfkjuf> ghbyznjuj d j,tcgtxtybt rhtlbnf> jghtltkztncz

jcyjdsdfzcm yf tuj djpvj;yjq htfkbpfwbjyyjq cnjbvjcnb. "nf cnjbvjcnm

ghbybvftncz dj dybvfybt jghtltkzz dtkbxbye ytj,[jlbvs[ yfrjgktybq gj

rhtlbnfv.

Yfrjgktybz lkz cjvybntkmys[ ljkujd drk/xf/n d ct,z%

- cgtwbfkmyst yfrjgktybz gj cjvybntkmysv b cdzpfyysv c dscjrjq cnt-

gtym/ hbcrf rhtlbnfv&

- j,obt yfrjgktybz> xnj,s jnhfpbnm pfdbcbvjcnm <fyrf jn%

• hbcrf rjywtynhfwbb rhtlbnjd&

• cnjbvjcnb pfkjujd&

• lbfgfpjyf djpvj;ys[ vthjghbznbq> rjnjhst ,s ekexibkb abyfy-

cjdjt gjkj;tybt rkbtynjd&

• j,otq hsyjxyjq cbnefwbb bkb cj,snbq> jcyjdsdfzcm yf rjnjhs[

cgtwbfkmyst yfrjgktybz tot ytdjpvj;yj jghtltkbnm.

J,obq j,(tv yfrjgktybq jghtltkztncz ghbybvfz dj dybvfybt nfrbt afr-

njhs> rfr ghtlsleobq jgsn <fyrf d ghbpyfybb e,snrjd gj rhtlbnfv b cjp-

lfybb yfrjgktybq> bpdtcnyst herjdjlcnde hbcrb> ceotcnde/obt d rhtlbn-

yjv gjhnatkt> yt,kfujghbznyst j,cnjzntkmcndf> rjnjhst vjukb ,s gjdkb-

znm yf cgjcj,yjcnm ljk;ybrjd dthyenm b[ ljkub> cnjbvjcnm pfkjujd b ce-

otcnde/obt 'rjyjvbxtcrbt eckjdbz> f nfr;t lheubt ceotcndtyyst

afrnjhs> rjnjhst dkbz/n yf djpdhfn dslfyys[ rhtlbnjd b cnjbvjcnm

pfkjujd. Afrnbxtcrbt e,snrb gj rhtlbnfv vjuen jnkbxfnmcz jn b[

ctujlyziyb[ jwtyjr.

Cjplfyyst yfrjgktybz htuekzhyj gthtcvfnhbdf/ncz. Rfr njkmrj djpyb-

rftn ytj,[jlbvjcnm d bpvtytybb 'nb[ yfrjgktybq> d jnxtn j ghb,skb b

e,snrf[ pf cjjndtncnde/obq gthbjl drk/xf/ncz ytj,[jlbvst rjhhtrwbb.

Herjdjlcndj <fyrf jxtym nofntkmyj jwtybkj djpvj;yst e,snrb gj

rhtlbnfv b> ghbybvfz dj dybvfybt ljcnegye/ byajhvfwb/> cxbnftn> xnj

jnhf;tyyst d yfcnjzob[ abyfycjds[ jnxtnf[ yfrjgktybz lkz cjvybntkm-

ys[ ljkujd ljcnfnjxys.

Tckb dslfyyst rhtlbns ytdjpvj;yj dthyenm> b[ cgbcsdf/n yf dyt,fkfy-

cjdst cxtnf> jlyjdhtvtyyj evtymifz yfrjgktybz lkz cjvybntkmys[ ljk-

ujd. Rhtlbns yt cgbcsdf/ncz gjrf yt jceotcndktys dct ytj,[jlbvst

/hblbxtcrbt vthjghbznbz b yt jghtltkty jrjyxfntkmysq j,(tv e,snrjd.

r@ J,kbufwbb b ghjxbt ljkujdst wtyyst ,evfub c abrcb-hjdfyysv lj[jljv Wtyyst ,evfub c abrcbhjdfyysv lj[jljv <fyr ghbj,htnfk rfr d bydtc-

nbwbjyys[> nfr b d cgtrekznbdys[ wtkz[. Hfcghtltktybt wtyys[ ,evfu

vt;le bydtcnbwbjyysv b cgtrekznbdysv gjhnatkzvb jghtltkztncz

;tkfybtv herjdjlcndf <fyrf lth;fnm 'nb bycnhevtyns.

Wtyyst ,evfub c abrcbhjdfyysv lj[jljv> ghbj,htntyyst d bydtcnbwb-

jyys[ wtkz[> exbnsdf/ncz gj cnjbvjcnb b[ ghbj,htntybz> rjnjhfz crjh-

htrnbhjdfyf yf fvjhnbpbhjdfyye/ cnjbvjcnm lbcrjynf#ghtvbb.

Cnjbvjcnm lbcrjynf bkb ghtvbb fvjhnbpbhetncz jnyjcbntkmyj ghjwtyn-

yjuj lj[jlf gj kbytqyjve vtnjle pf gthbjl c vjvtynf ghbj,htntybz lj

vjvtynf gjufitybz.

Yfrjgktybz lkz wtyys[ ,evfu c abrcbhjdfyysv lj[jljv cjplf/ncz d

ckexft> rjulf gj vytyb/ herjdjlcndf <fyrf> djpybrftn ljkujchjxyjt

cyb;tybt cnjbvjcnb wtyys[ ,evfu. Nfrbt wtyyst ,evfub exbnsdf/ncz gj

cnjbvjcnb b[ ghbj,htntybz pf dsxtnjv cjplfyys[ yfrjgktybq.

k@ Frwbb b lheubt wtyyst ,evfub c ytabrcbhjdfyysvlj[jljv Bydtcnbwbb d rjnbhetvst yf ,bh;t frwbb> cjdthityyst d cgtrekznbdys[

wtkz[> exbnsdf/ncz gj b[ hsyjxyjq cnjbvjcnb.

Ythtfkbpjdfyyfz ghb,skm bkb e,snrb> djpybribt jn extnf ghbj,htnty-

ys[ d cgtrekznbdys[ wtkz[ rjnbhetvs[ yf ,bh;t frwbq gj b[ hsyjxyjq

cnjbvjcnb> pfyjczncz d jnxtn j ghb,skb b e,snrf[ rfr ghb,skm bkb

e,snrb jn gthtjwtyrb wtyys[ ,evfu.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

21

Ghbj,htntyyst d bydtcnbwbjyys[ wtkz[ yt rjnbhetvst yf ,bh;t frwbb

exbnsdf/ncz d ,fkfyct gj cnjbvjcnb b[ ghbj,htntybz> pf dsxtnjv yfrj-

gktybq> cjplfyys[ d htpekmnfnt ljkujchjxyjuj cyb;tybz b[ cnjbvjcnb.

v@ Exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbqBydtcnbwbb d ljxthybt ghtlghbznbz> d rjnjhs[ <fyre ghzvj bkb rjcdtyyj

ghbyflkt;bn ,jktt 50% rfgbnfkf b ghfd ujkjcf> j,sxyj rjycjkblbhe/ncz

d abyfycjds[ jnxtnf[ <fyrf> rhjvt ckexfz> erfpfyyjuj d Ghbvtxfybb 15.

y@ Jcyjdyst chtlcndfJcyjdyst chtlcndf exbnsdf/ncz gj cnjbvjcnb b[ ghbj,htntybz> pf

dsxtnjv yfrjgktyyjuj bpyjcf. Tckb hsyjxyfz cnjbvjcnm jcyjdyjuj chtl-

cndf egfkf yb;t ,fkfycjdjq cnjbvjcnb yf gthbjl> rjnjhsq ytkmpz hfc-

cvfnhbdfnm rfr rhfnrjchjxysq> nj ,fkfycjdfz cnjbvjcnm lfyyjuj

jcyjdyjuj chtlcndf cgbcsdftncz lj ehjdyz hsyjxyjq cnjbvjcnb.

Fvjhnbpfwbz hfccxbnsdftncz d ntxtybt dctuj chjrf gjktpyjuj

bcgjkmpjdfybz jcyjdys[ chtlcnd> bcgjkmpez kbytqysq vtnjl.

D hfcxtnt fvjhnbpfwbb bcgjkmpjdfys cktle/obt yjhvs%

Ujljdfz yjhvfDbl jcyjdys[ chtlcnd 1999 1998Plfybz b vjlthybpfwbz jcyjdys[ chtlcnd 5% 5%

Nhfycgjhnyst chtlcndf 20% 33%

Rjvgm/nthyfz j,jheljdfybt 25% 33%

Jabcyjt j,jheljdfybt 10-33% 20-33%

D yfxfkt 1999 ujlf herjdjlcndj <fyrf gthtcvjnhtkj bcgjkmpetvst

yjhvs fvjhnbpfwbb jcyjdys[ chtlcnd b jghtltkbkj yjdst ujljdst

yjhvs fvjhnbpfwbb> rjnjhst erfpfys d ghtlsleotq nf,kbwt. Dkbzybt>

jrfpfyyjt yf jnxtn j ghb,skb b e,snrf[ d cdzpb c bpvtytybtv yjhv

fvjhnbpfwbb> erfpfyj d Ghbvtxfybb 16.

Hfc[jls yf cjlth;fybt b htvjyn jcyjdys[ chtlcnd drk/xf/ncz d jnxtn j

ghb,skb b e,snrf[ d vjvtyn b[ djpybryjdtybz.

Vjlthybpfwbz fhtyletvs[ chtlcnd rfgbnfkbpbhetncz b d lfkmytqitv

fvjhnbpbhetncz d ntxtybt dctuj chjrf gjktpyjuj bcgjkmpjdfybz> ghbvt-

yzz vtnjl kbytqyjuj yfxbcktybz fvjhnbpfwbb.

j@ Abyfycjdst bycnhevtynsGhjbpdjlyst abyfycjdst bycnhevtynsD t;tlytdyjq ghtlghbybvfntkmcrjq ltzntkmyjcnb <fyr djdktxty d

ajhdfhlyst b swap jgthfwbb gj j,vtye dfk/ns. "nb jgthfwbb erfps-

df/ncz yf dyt,fkfycjds[ cxtnf[ <fyrf.

Nht,jdfybz b j,zpfntkmcndf dsntrf/obt bp 'nb[ dfk/nys[ jgthfwbq exb-

nsdf/ncz yf dyt,fkfycjds[ cxtnf[> bcgjkmpez ltqcnde/obq yf rjytw

jnxtnyjuj gthbjlf j,vtyysq rehc byjcnhfyyjq dfk/ns> ecnfyjdktyysq

<fyrjv Kfndbb. Ghb,skm bkb e,snrb> gjytctyyst d htpekmnfnt bpvtytybq

j,vtyyjuj rehcf byjcnhfyyjq dfk/ns drk/xf/ncz d jnxtn j ghb,skb b

e,snrf[ rfr ghb,skm bkb e,snrb jn gthtjwtyrb gjpbwbq byjcnhfyyjq

dfk/ns.

Ghjxbt dyt,fkfycjdst abyfycjdst bycnhevtynsD t;tlytdyjq ghtlghbybvfntkmcrjq ltzntkmyjcnb <fyr djdktxty dj

dyt,fkfycjdst abyfycjdst jgthfwbb> cdzpfyyst c j,zpfntkmcndfvb gj

dslfxt rhtlbnjd b ufhfynbq b jajhvktybtv frrhtlbnbdjd. "nb abyfy-

cjdst jgthfwbb jnhf;f/ncz d abyfycjds[ jnxtnf[ d vjvtyn pfrk/xtybz

cjjndtncnde/ob[ ljujdjhjd. Vtnjljkjubz cjplfybz yfrjgktybq lkz

dyt,fkfycjds[ abyfycjds[ jgthfwbq cjjndtncndetn jgbcfyysv d gjzcyt-

ybb q@ ghbywbgfv cjplfybz yfrjgktybq gj rhtlbnfv.

g@ Frnbds d eghfdktybbFrnbdfvb d eghfdktybb zdkz/ncz chtlcndf> rjnjhsvb hfcgjhz;ftncz

<fyr gj gjhextyb/ cdjb[ rkbtynjd. "nb frnbds yt hfccvfnhbdf/ncz rfr

frnbds <fyrf> d cdzpb c xtv> jyb yt jnhf;tys d ,fkfyct <fyrf.

Page 24: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

5. YTNNJ GHB<SKM#!E<SNRB@ JN JGTHFWBQ C WTYYSVB<EVFUFVB B BYJCNHFYYJQ DFK?NJQ (LVL)

1999 1998Ghb,skm jn jgthfwbq gj j,vtye

byjcnhfyyjq dfk/ns 657>078 1>502>701

Ghb,skm jn jgthfwbq

c wtyysvb ,evfufvb 154>494 4>987

Ghb,skm#!e,snrb@ jn gthtjwtyrb

wtyys[ ,evfu 155>292 !286>483@

Ghb,skm#!e,snrb@ jn gthtjwtyrb

gjpbwbq byjcnhfyyjq dfk/ns 29>093 !5>308>259@

Ytnnj ghb,skm#!e,snrb@ jn jgthfwbq c wtyysvb ,evfufvb b byjcnhfyyjq dfk/njq 995>957 !4>087>054@

D htpekmnfnt gjcnjzyyjuj gfltybz dfk/nyjuj rehcf erhfbycrjq uhbdys

jnyjcbntkmyj kfnf d 1998 ujle> <fyr jnhfpbk e,snrb jn j,vtyf

byjcnhfyyjq dfk/ns d hfpvtht 4>464 nsc. kfnjd> rjnjhst j,hfpjdfkbcm d

htpekmnfnt dkfltybz wtyysvb ,evfufvb erhfbycrjuj ujcelfhcndtyyjuj

dyenhtyytuj pfqvf d uhbdyf[. "nb e,snrb jnhf;tys d jnxtnt j ghb,skb b

e,snrf[ pf 1998 ujl d gjpbwbb $Gthtjwtyrf gjpbwbq byjcnhfyyjq

dfk/ns$.

Ghb,skm jn njhujdkb wtyysvb ,evfufvb pf 1999 ujl drk/xftn d ct,z

ghb,skm jn ghjlf;b hjccbqcrb[ wtyys[ ,evfu c abrcbhjdfyysv lj[jljv

d hjccbqcrb[ he,kz[ !htcnhernehbhjdfyyst URJ@ yf cevve 110 nsc. kfnjd. D

cdzpb c ceotcnde/obvb juhfybxtybzvb yf hjccbqcrbt he,kb> gjkextyyst

d htpekmnfnt ghjlf;b htcnhernehbhjdfyys[ URJ> b lkz jnhf;tybz

bcnbyyjq cnjbvjcnb frnbdjd <fyr cjplfk cgtwbfkmyst yfrjgktybz yf

frnbds d juhfybxtyys[ hjccbqcrb[ he,kz[> d hfpvtht 104 nsc. kfnjd. D ht-

pekmnfnt ghjlf;b juhfybxtyys[ hjccbqcrb[ he,ktq d ntxtybt ujlf> cjp-

lfyyst cgtwbfkmyst yfrjgktybz ,skb cgbcfys b> cjjndtncndtyyj> yb-

rfrbt cgtwbfkmyst yfrjgktybz yt ,skb cjplfys yf rjytw jnxtnyjuj ujlf.

6. GHJXBT JGTHFWBJYYST LJ{JLS (LVL)

1999 1998Lj[jls jn fhtyls gjvtotybq 13>006 32>972

Gjkextyyst inhfas 4>754 20>792

Ghjxbt lj[jls 8>946 13>413

Dctuj ghjxbt jgthfwbjyyst lj[jls 26>706 67>177

7. FLVBYBCNHFNBDYST HFC{JLS (LVL)

1999 1998Djpyfuhf;ltybt xktyjd

Ghfdktybz b Cjdtnf 9>492 9>480

Djpyfuhf;ltybt gthcjyfkf 674>140 713>992

Hfc[jls gj cjwbfkmyjve cnhf[jdfyb/ b

c[jlyst hfc[jls 186>798 194>561

Hfc[jls yf cdzpm 121>605 183>806

Hfc[jls yf htrkfve 67>171 62>294

Hfc[jls yf j,cke;bdfybt nt[ybrb 56>415 47>031

Rjycekmnfwbb b ghjxbt

ghjatccbjyfkmyst eckeub 37>279 65>927

Rfywtkzhcrbt njdfhs 34>992 37>459

Cjlth;fybt b htvjyn gjvtotybq 34>258 54>914

J[hfyf 20>332 19>637

Gj;thndjdfybz 16>747 26>473

Fhtylf gjvtotybq 8>302 22>151

Ghjxbt flvbybcnhfnbdyst hfc[jls 123>905 125>292

Dctuj flvbybcnhfnbdyst hfc[jls 1>391>436 1>563>017

D djpyfuhf;ltybt> dsgkfxtyyjt xktyfv Cjdtnf b Ghfdktybz <fyrf> yt

drk/xtyj djpyfuhf;ltybt pf bcgjkytybt lheub[ j,zpfyyjcntq d <fyrt.

h@ Bcnbyyfz cnjbvjcnm abyfycjds[ frnbdjd b j,zpfntkmcndBcnbyyfz cnjbvjcnm abyfycjds[ frnbdjd b j,zpfntkmcnd jnhf;ftn

rjkbxtcndj ltyt;ys[ chtlcnd> pf rjnjhjt frnbd vj;tn ,snm ghjlfy bkb

j,zpfntkmcndf vjuen ,snm gjufitys> jcyjdsdfzcm yf j,otghbyzns[

ghbywbgf[. Tckb> gj vytyb/ <fyrf> bcnbyyfz cnjbvjcnm abyfycjds[

frnbdjd b j,zpfntkmcnd ceotcndtyyj jnkbxftncz jn erfpfyyjq d ,fkfyct> nj

bcnbyyfz cnjbvjcnm 'nb[ frnbdjd jnltkmyj erfpsdftncz d Ghbkj;tybz[ r

abyfycjdsv jnxtnfv.

c@ Ltyt;yst chtlcndf b b[ 'rdbdfktynsLtyt;yst chtlcndf b b[ 'rdbdfktyns drk/xf/n d ct,z ltyt;yst chtlcndf

d rfcct> nht,jdfybz lj djcnht,jdfybz r <fyre Kfndbb b ghjxbv rhtlbn-

ysv exht;ltybzv> chjxyst drkfls c yfxfkmysv chjrjv lj nht[ vtczwtd

d <fyrt Kfndbb b rhtlbnys[ exht;ltybz[> f nfr;t rhfnrjchjxyst

ujcelfhcndtyyst ljkujdst j,zpfntkmcndf c yfxfkmysv chjrjv gjufitybz

lj nht[ vtczwtd> pf dsxtnjv j,zpfntkmcnd lj djcnht,jdfybz b chjxys[

j,zpfntkmcnd cj chjrjv gjufitybz lj nht[ vtczwtd gthtl lheubvb rhtlbn-

ysvb exht;ltybzvb.

3. GHJWTYNYST LJ{JLS B HFC{JLS (LVL)

Ghjwtynyst lj[jls 1999 1998- gj nht,jdfybzv r rhtlbnysv

exht;ltybzv 1>100>545 877>168

- gj rhtlbnfv 1>031>231 596>621

- gj j,kbufwbzv b ghjxbv

ljkujdsv wtyysv ,evfufv c

abrcbhjdfyysv lj[jljv 1>001>552 2>979>708

- ghjxbt ghjwtynyst lj[jls 1>380 -

Dctuj ghjwtynyst lj[jls 3>134>708 4>453>497

Ghjwtynyst hfc[jls%- gj j,zpfntkmcndfv gthtl rhtlbnysvb

exht;ltybzvb 193>706 260>947

- gj drkflfv 861>945 720>011

- lheubt ghjwtynyst hfc[jls 31>958 -

Dctuj ghjwtynyst hfc[jls 1>087>609 980>958

Ghjwtynyst lj[jls gj j,kbufwbzv b ghjxbv ljkujdsv wtyysv ,evfufv

c abrcbhjdfyysv lj[jljv pf 1999 ujl drk/xf/n yfrjgktyysq d

ytvtwrb[ vfhrf[ regjy Ujcelfhcndtyyjuj pfqvf Erhfbys yf cevve 788

nsc. kfnjd !cv. Ghbvtxfybt 18@.

4. RJVBCCBJYYST LJ{JLS B HFC{JLS (LVL)

1999 1998Rjvbccbjyyst lj[jls%

- pf bcgjkytybt gkfnt;tq gj

gjhextyb/ rkbtynjd 1>228>914 1>286>228

- jn jgthfwbb c yfkbxysvb chtlcndfvb 692>062 547>556

- pf ghtljcnfdktybt cthdbcys[

eckeu rkbtynfv 136>531 128>192

- jn jgthfwbq c hfcxtnysvb rfhnfvb 122>361 84>168

- jn hfccvjnhtybz rhtlbnys[ pfzdktybq 53>305 19>483

- gj frrhtlbnbdfv 37>707 30>263

- jn jgthfwbb c xtrfvb 8>018 10>352

- ghjxbt rjvbccbjyyst lj[jls 53>369 47>262

Dctuj rjvbccbjyyst lj[jls 2>332>267 2>153>504

Rjvbccbjyyst hfc[jls- yf eckeub ,fyrjd-rjhhtcgjyltynjd 260>452 289>730

- yf vt;,fyrjdcrbt b lheubt

rjvveybrfwbjyyst cbcntvs 219>061 226>898

- gj jgthfwbzv c yfkbxysvb chtlcndfvb 75>627 181>739

- gj jgthfwbzv c hfcxtnysvb rfhnfvb 31>457 21>205

- gj jgthfwbzv c wtyysvb ,evfufvb 6>398 1>493

- ghjxbt rjvbccbjyyst hfc[jls 53>979 42>157

Dctuj rjvbccbjyyst hfc[jls 646>974 763>222

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

22

Page 25: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

D jnxtnyjv ujle d <fyrt d chtlytv hf,jnfkj 157 !165@ xtkjdtr.

D cktle/otq nf,kbwt ghtlcnfdktyf rkfccbabrfwbz gthcjyfkf gj rfntujhbzv%

Rjkbxtcndj hf,jnybrjd31.12.99. 31.12.98.

Herjdjlcndj <fyrf 7 7

Yfxfkmybrb jnltkjd b cgtwbfkbcns 104 114

Lheubt 41 37

Dctuj 152 158

8. HFC{JLS GJ YFRJGKTYBZV LKZ CJVYBNTKMYS{LJKUJD B LJ{JLS JN EVTYMITYBZ YFRJGKTYBQ (LVL)

1999 1998Cgtwbfkmyst yfrjgktybz yf yfxfkj

jnxtnyjuj ujlf 4>069>122 766>577

J,obt yfrjgktybz yf yfxfkj

jnxtnyjuj ujlf 131>778 -

Dctuj yfrjgktybz yf yfxfkj jnxtnyjuj ujlf 4>200>900 766>577Cgtwbfkmyst yfrjgktybz> drk/xtyyst

d jnxtn j ghb,skb b e,snrf[ 3>766>682 3>418>896

J,obt yfrjgktybz> drk/xtyyst d

jnxtn j ghb,skb b e,snrf[ - 131>778

Dctuj yfrjgktybz> drk/xtyyst d jnxtn j ghb,skb b e,snrf[ 3>766>682 3>550>674Evtymitybt hfytt cjplfyys[

cgtwbfkmys[ yfrjgktybq !158>780@ !67>382@

Evtymitybt hfytt cjplfyys[

j,ob[ yfrjgktybq !28>014@ -

Dctuj evtymitybt yfrjgktybq !186>794@ !67>382@Ytnnj yfrjgktybz lkz cjvybntkmys[ ljkujd 3>579>888 3>483>292Edtkbxtybt#!evtymitybt@ yfrjgktybq d htpekmnfnt rjkt,fybq rehcjd dfk/n !17>204@ !48>969@Evtymitybt cgtwbfkmys[ yfrjgktybq d htpekmnfnt cgbcfybz frnbdjd !4>089>982@ -Cgtwbfkmyst yfrjgktybz yf

rjytw jnxtnyjuj ujlf 3>569>838 4>069>122

J,obt yfrjgktybz yf rjytw

jnxtnyjuj ujlf 103>764 131>778

Dctuj yfrjgktybz lkz cjvybntkmys[ ljkujd yf rjytw jnxtnyjuj ujlf 3>673>602 4>200>900

Jcyjdsdfzcm yf gthtcvjnhtyyjq jwtyrt bcnbyyjq cnjbvjcnb Erhfbycrb[

ujcelfhcndtyys[ j,kbufwbq> rfr erfpfyj d Ghbvtxfybb 13> <fyr cjplfk

cgtwbfkmyst yfrjgktybz d hfpvtht 2>892 nsc. kfnjd b drk/xbk b[ d jnxtn j

ghb,skb b e,snrf[ pf 1999 ujl.

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt j,ob[ yfrjgktybq <fyrf lkz

cjvybntkmys[ ljkujd yf 31 ltrf,hz 1999 ujlf.

!ghjljk;tybt Ghbvtxfybz 8.@Herjdjlcndj <fyrf jwtybkj hbcr <fyrf yf vt;,fyrjdcrjv hsyrt b cjplfkj

j,obt yfrjgktybz d hfpvtht 2.5%jn chtlytuj j,(tvf nht,jdfybq r

rhtlbnysv exht;ltybzv cnhfy CYU pf 1999 ujl. Herjdjlcndj <fyrf cxbnftn>

xnj cjplfybt yfrjgktybq lkz drkfljd cdzpfyys[ c vt;,fyrjdcrbvb hbcrfvb

zdkztncz j,jcyjdfyysv b ,eltn ghjljk;fnm rjynhjkbhjdfnm ljcnfnjxyjcnm

yfrjgktybq b d ,eleotv.

Herjdjlcndj ghbyzkj gjkbnbre> cjukfcyj rjnjhjq cjplf/ncz j,obt

yfrjgktybz d hfpvtht 2% lkz cdzpfyys[ c hbcrjv cnfylfhnys[ rhtlbnjd

dslfyys[ ghtlghbznbzv> b d hfpvtht 1% lkz rhtlbnjd> dslfyys[ xfcnysv

kbwfv. Herjdjlcndj <fyrf cxbnftn> xnj nfrfz gjkbnbrf cjplfybz yfrjgktybq d

yfcnjzob[ eckjdbz[ cjjndtncndetn ghbywbge jcnjhj;yjcnb.

9. YFKJUB (LVL)

1999 1998Yfkju yf cj,cndtyyjcnm b

ytldb;bve/ cj,cndtyyjcnm 50>162 46>344

Dctuj yfkjub 50>162 46>344

Herjdjlcndj <fyrf jwtybkj djpvj;yst j,zpfntkmcndf <fyrf gj jnkj;tyysv

yfkjufv b cxbnftn> xnj d cdzpb c e,snrfvb d 1999 b 1998 ujlf[> e <fyrf ytn

ybrfrb[ jnkj;tyys[ yfkjujds[ j,zpfntkmcnd gj cjcnjzyb/ yf 31 ltrf,hz

1999 ujlf.

Yf 31 ltrf,hz 1999 ujlf e <fyrf yt ,skj pfljk;tyyjcnb gj yfkjufv.

10. LTYT:YST CHTLCNDF B NHT<JDFYBZ R <FYREKFNDBB (LVL)

31.12.99. 31.12.98.Yfkbxyst ltyt;yst chtlcndf 2>592>590 1>796>965

Nht,jdfybz r <fyre Kfndbb 3>322>133 1>470>777

Dctuj ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 5>914>723 3>267>742

D jcnfnrb ltyt;ys[ chtlcnd yf 31 ltrf,hz 1999 ujlf drk/xtys ljhj;yst

xtrb Thomas Cook d ljkkfhf[ CIF b tdhj yf cevve 19>004 kfnf.

Jcnfnjr rjhhtcgjyltyncrjuj cxtnf d <fyrt Kfndbb yf 31 ltrf,hz 1999 ujlf

cjcnfdkzk 3>322>133 kfnjd d dfk/nt Kfndbb. Jcnfnrjd d lheub[ dfk/nf[ yf

rjhhtcgjyltyncrjv cxtnt d <fyrt Kfndbb e <fyrf yf rjytw jnxtnyjuj gthbjlf

yt ,skj.

D cjjndtncndbb c htitybtv Cjdtnf <fyrf Kfndbb> yfxbyfz c 1 ltrf,hz 1999

ujlf rhtlbnyst exht;ltybz ljk;ys j,tcgtxbdfnm dsgjkytybt

nht,jdfybq r j,zpfntkmysv htpthdfv d hfpvtht 7% !8%@.

Chtlybq vtczxysq jcnfnjr ltyt;ys[ chtlcnd d kfnf[ b rjhhtcgjyltyncrjuj

cxtnf rhtlbnyjuj exht;ltybz d <fyrt Kfndbb> hfccxbnfyysq cjukfcyj

nht,jdfybzv <fyrf Kfndbb> ljk;ty ghtdsifnm j,(tv j,zpfntkmys[

htpthdjd. Yf 31 ltrf,hz 1999 ujlf <fyr dsgjkybk 'nj nht,jdfybt.

<hennj Cgtwbfkmyst J,obt Ytnnjjcnfnjr yfrjgktybz yfrjgktybz jcnfnjr

Nht,jdfybz r rhtlbnysv exht;ltybzv 26>628>503 !1>548@ !43>142@ 26>583>813

Rhtlbns 10>102>661 !601>544@ !60>622@ 9>440>495

J,kbufwbb b ghjxbt wtyyst ,evfub c

abrcbhjdfyysv lj[jljv 20>648>966 !2>891>984@ - 17>756>982

Exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq 72>900 !72>900@ - -

Hfc[jls ,eleob[ gthbjljd b yfrjgktyys[ lj[jls 1>377>594 !1>862@ - 1>375>732

Dctuj 58>830>624 !3>569>838@ !103>764@ 55>157>022

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

23

Page 26: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

Yf 31 ltrf,hz 1999 ujlf <fyr yf[jlbkcz d rjhhtcgjyltyncrb[ jnyjitybz[ c

20 !16@ rhtlbnysvb exht;ltybzvb> pfhtubcnhbhjdfyysvb d ujcelfhcndf[

htubjyf OECD> 4 !3@ rhtlbnysvb exht;ltybzvb> pfhtubcnhbhjdfyysvb d

Kfndbb> b 32 !26@ rhtlbnysvb exht;ltybzvb> pfhtubcnhbhjdfyysvb d lheub[

ujcelfhcndf[ yt-OECD.

Yf 31 ltrf,hz 1999 ujlf j,ofz cevvf jcnfnrjd yf cxtnf[ d itcnb rhtlbnys[

exht;ltybz[> pfhtubcnhbhjdfyys[ d htubjyt OECD> b nht[ rhtlbnys[

exht;ltybz[> pfhtubcnhbhjdfyys[ d lheub[ cnhfyf[> cjcnfdbkf 89%b 84%jn

j,otq cevvs nht,jdfybq <fyrf r rhtlbnysv exht;ltybzv>

pfhtubcnhbhjdfyysv d htubjyt OECDb lheub[ ujcelfhcndf[ cjjndtncndtyyj.

Yf 31 ltrf,hz 1999 ujlf nht,jdfybz <fyrf r pfhtubcnhbhjdfyysv d lheub[

ujcelfhcndf[ rhtlbnysv exht;ltybzv drk/xftn nht,jdfybz r rhtlbnysv

exht;ltybzv pfhtubcnhbhjdfyysv d cnhfyf[ <fknbb yf cevve 4>158 nsc.

kfnjd.

11. NHT<JDFYBZ R RHTLBNYSV EXHT:LTYBZV (LVL)

31.12.99. 31.12.98.Nht,jdfybz r rhtlbnysv exht;ltybzv> pfhtubcnhbhjdfyysv d ujcelfhcndf[ htubjyf OECD 18>798>709 18>017>473Nht,jdfybz r rhtlbnysv exht;ltybzv> pfhtubcnhbhjdfyysv d Kfndbb 12>967 29>532Nht,jdfybz r rhtlbnysv exht;ltybzv> pfhtubcnhbhjdfyysv d lheub[ ujcelfhcndf[ 7>816>827 8>856>537Dctuj nht,jdfybz r rhtlbnysv exht;ltybzv 26>628>503 26>903>542Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[ ljkujd !cv. Ghbvtxfybt 8@ !44>690@ !2>505>292@Ytnnj nht,jdfybz r rhtlbnysv exht;ltybzv 26>583>813 24>398>250

Dbl pftvobrjd 31.12.99. 31.12.98.Xfcnyst ghtlghbznbz 6>853>589 5>215>589

Ghtlghbznbz cfvjeghfdktybq 207>150 12>108

Hf,jnybrb <fyrf 84>393 91>925

Ghjxbt xfcnyst kbwf 2>957>529 985>218

Dctuj rhtlbns 10>102>661 6>304>840Pf dsxtnjv yfrjgktybq lkz cjvyb-

ntkmys[ ljkujd !cv. Ghbvtxfybt 8@ !662>166@ !1>236>464@

Ytnnj rhtlbns 9>440>495 5>068>376

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt rhtlbnjd gj vtcne htubcnhfwbb

pftvobrjd%

Vtcnj htubcnhfwbb pftvobrjd 31.12.99 31.12.98.Htpbltyns ujcelfhcnd htubjyf OECD 1>117>251 101>489

Htpbltyns Kfndbb 6>181>981 3>699>245

Htpbltyns lheub[ ujcelfhcnd 2>803>429 2>504>106

Dctuj rhtlbns 10>102>661 6>304>840Pf dsxtnjv yfrjgktybq lkz cjvyb-

ntkmys[ ljkujd !cv. Ghbvtxfybt 8@ !662>166@ !1>236>464@

Ytnnj rhtlbns 9>440>495 5>068>376

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt rhtlbnjd gj jnhfckzv

yfhjlyjuj [jpzqcndf%

Jnhfckb yfhjlyjuj [jpzqcndf 31.12.99. 31.12.98.Njhujdkz 4>476>040 4>158>343

Nhfycgjhn b cdzpm 387>207 392>817

"ythutnbrf> ufp b lheubt

rjvveyfkmyst eckeub 207>150 12>108

Ctkmcrjt b ktcyjt [jpzqcndj 179>806 176>529

Ghjvsiktyyjcnm 106>146 109>332

Ujcnbybws b htcnjhfys 12>826 25>566

Cnhjbntkmcndj 12>377 18>318

Abyfycjdjt gjchtlybxtcndj 11>000 200>077

Ghjxbt jnhfckb 1>668>187 134>607

Dctuj dslfyyst ghtlghbznbzv rhtlbns 7>060>739 5>227>697

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

24

Nht,jdfybz r rhtlbnysv exht;ltybzv> pfhtubcnhbhjdfyysv D htubjyt D lheub[ Dctuj Dctuj

Chjr jgkfns OECD D Kfndbb ujcelfhcndf[ 31.12.99. 31.12.98.Jcnfnrb yf rjhhtcgjyltyncrb[ cxtnf[ 4>659>402 12>967 7>739>696 12>412>065 9>181>414Drkfls $overnight$ 1>635>198 - - 1>635>198 2>644>794Ufhfynbqyst ltgjpbns 552>609 - 77>131 629>740 295>771Chjxyst drkfls 11>951>500 - - 11>951>500 14>781>563Dctuj nht,jdfybz r rhtlbnysv exht;ltybzv 18>798>709 12>967 7>816>827 26>628>503 26>903>542Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[ ljkujd !cv. Ghbvtxfybt 8@ - - !44>690@ !44>690@ !2>505>292@Ytnnj nht,jdfybz r rhtlbnysv exht;ltybzv 18>798>709 12>967 7>772>137 26>583>813 24>398>250

12. RHTLBNS (LVL)

Rhtlbns 31.12.99. 31.12.98.J,sxyst rhtlbns 5>243>667 5>656>568

Lt,tnjdst jcnfnrb yf hfcxtnys[ cxtnf[ 763>417 115>427

Bcgjkmpjdfyyst rhtlbnyst kbybb 3>775>575 379>213

Lt,tnjdst jcnfnrb yf rhtlbnys[ rfhnf[ 198>389 153>479

Abyfycjdsq kbpbyu 121>613 153

Dctuj rhtlbns 10>102>661 6>304>840Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[

ljkujd !cv. Ghbvtxfybb 8@ !662>166@ !1>236>464@

Ytnnj rhtlbns 9>440>495 5>068>376

D cjjndtncndbb c pfrjyjlfntkmcndjv Kfndbb j rhtlbnys[ exht;ltybz[ j,obq

j,(tv dslfyys[ rhtlbnjd jlyjve kbwe bkb uheggt dpfbvyj cdzpfyys[ kbw> yt

cdzpfyys[ c rhtlbnysv exht;ltybtv> yt vj;tn ghtdsifnm 25%jn

cj,cndtyyjuj rfgbnfkf rhtlbnyjuj exht;ltybz. D cdj/ jxthtlm> j,ofz

cevvf rhtlbnjd> dslfyys[ dctv cdzpfyysv c rhtlbnysv exht;ltybtv

kbwfv> yt vj;tn ghtdsifnm 15%jn cj,cndtyyjuj rfgbnfkf rhtlbnyjuj

exht;ltybz !jghtltktybt cj,cndtyyjuj rfgbnfkf erfpfyj d Ghbvtxfybb 31@.

Yf 31 ltrf,hz 1999 ujlf <fyr dsgjkybk egjvzyenst nht,jdfybz gj

juhfybxtyb/ rhtlbnjdfybz cdzpfyys[ b ytcdzpfyys[ kbw.

Cktle/ofz nf,kbwf jnhf;ftn j,oe/ cevve dslfyys[ rhtlbnjd> gj rjnjhsv

yf 31 ltrf,hz 1999 ujlf yt ,skb yfrjgktys ghjwtyns%

Ghbywbg yfrjgktybz ghjwtynjd 31.12.99. 31.12.98.Rhtlbns> gj rjnjhsv ghjwtyns

yfrjgktys 9>208>443 4>880>468

Rhtlbns> gj rjnjhsv ghjwtyns

yt yfrjgktys 894>218 1>424>372

Dctuj rhtlbns 10>102>661 6>304>840Pf dsxtnjv yfrjgktybq lkz cjvyb-

ntkmys[ ljkujd !cv. Ghbvtxfybt 8@ !662>166@ !1>236>464@

Ytnnj rhtlbns 9>440>495 5>068>376

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt rhtlbnjd gj dblfv pftvobrjd%

Page 27: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

Pyfxbntkmyjt edtkbxtybt rhtlbnjd> rjnjhst ghtljcnfdktys ghtlghbznbzv

hf,jnf/obv d lheub[ cathf[ yfhjlyjuj [jpzqcndf> ukfdysv j,hfpjv

dspdfyj edtkbxtybtv rhtlbnjd c pfkjujdsvb ltgjpbnfvb b edtkbxtybtv

jcnfnrjd yf dslfyys[ rhtlbnys[ rfhnf[.

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt nht,jdfybq gj abyfycjdjve

kbpbyue gj dblfv fhtyletvs[ frnbdjd%

31.12.99. 31.12.98.Rhfnrjchjxyst Ljkujchjxyst Rhfnrjchjxyst Ljkujchjxyst

Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf Erhfbys - 10>338>476 - 9>678>236

Ujcelfhcndtyyst tdhjj,kbufwbb Bnfkbb - 590>748 - -

Ujcelfhcndtyyst tdhjj,kbufwbb Ckjdtybb - 179>672 - -

Ujcelfhcndtyyst tdhjj,kbufwbb Kfndbb - 177>377 - -

Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf Hjccbb 4>592 - 457>133 -

Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf CIF - - 10>314 -

Ljkujdst j,zpfntkmcndf rhtlbnys[ exht;ltybq>

pfhtubcnhbhjdfyys[ d htubjyt OECD - 9>074>531 - -

Ljkujdst j,zpfntkmcndf xfcnys[ ghtlghbznbq>

pfhtubcnhbhjdfyys[ d htubjyt OECD - 283>570 - -

Dctuj wtyyst ,evfub c abrcbhjdfyysv lj[jljv 4>592 20>644>374 467>447 9>678>236Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[ ljkujd !cv. Ghbvtxfybt 8@ - !2>891>984@ !397>734@ -

Ytnnj j,kbufwbb b ghjxbt wtyyst ,evfub c abrcbhjdfyysv lj[jljv 4>592 17>752>390 69>713 9>678>236

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

25

Dbl frnbdjd 31.12.99. 31.12.98.Nhfycgjhnyst chtlcndf 119>635 -

Ghjxbt frnbds 1>978 153

Dctuj nht,jdfybz gj abyfycjdjve kbpbyue 121>613 153

13. J<KBUFWBB B GHJXBT WTYYST <EVFUB C ABRCB-HJDFYYSV LJ{JLJV (LVL)

31.12.99. 31.12.98.Ujcelfhcndtyyst ljkujdst

j,zpfntkmcndf dyenhtyytuj

pfqvf b j,kbufwbb 11>290>865 10>145>683

J,kbufwbb xfcnys[ ghtlghbznbq 283>570 -

J,kbufwbb rhtlbnys[ exht;ltybq 9>074>531 -

Dctuj j,kbufwbb b ghjxbt wtyyst ,evfub c abrcbhjdfyysv lj[jljv 20>648>966 10>145>683Pf dsxtnjv yfrjgktybq lkz cjvyb-

ntkmys[ ljkujd !cv. Ghbvtxfybt 8@ !2>891>984@ !397>734@

Ytnnj j,kbufwbb b ghjxbt wtyyst ,evfub c abrcbhjdfyysv lj[jljv 17>756>982 9>747>949

D cjjndtncndbb c htitybtv Vbybcnthcndf abyfycjd Erhfbys jn 26

fduecnf 1998 ujlf> ythtpbltynfv-lth;fntkzv ujcelfhcndtyys[

j,kbufwbq dyenhtyytuj pfqvf Erhfbys d uhbdyf[ !JDLG@ ,skj

ghtlkj;tyj j,vtyznm 'nb j,kbufwbb !d hfpvtht 1.7 vbkkbfhljd

uhbdty@ yf yjdst lbcrjynyst j,kbufwbb d ljkkfhf[ CIF !RJDLG@ cj

chjrjv gjufitybz d 2000 ujle.

Ghbybvfz dj dybvfybt jcnfnrb yf 22 ctynz,hz 1998 ujlf> <fyr ghbyzk

'nj ghtlkj;tybt b j,vtyzk ujcelfhcndtyyst j,kbufwbb dyenhtyytuj

pfqvf Erhfbys d uhbdyf[ yf j,kbufwbb d ljkkfhf[ CIF. <fkfycjdfz

cnjbvjcnm j,vtytyys[ ujcelfhcndtyys[ ljkujds[ j,zpfntkmcnd

dyenhtyytuj pfqvf cjcnfdbkf 46>788 nsc. uhbdty !8>843 nsc. kfnjd@.

Cnjbvjcnm 'nb[ ujcelfhcndtyys[ j,kbufwbq dyenhtyytuj pfqvf>

cjukfcyj hfcxtnfv Vbybcnthcndf abyfycjd Erhfbys> lkz xtuj

bcgjkmpjdfkbcm ecnfyjdktyyst hfytt lbcrjynyst cnfdrb> cjcnfdbkf

45>687 nsc. uhbdty !8>635 nsc. kfnjd@. Hfpybwf jnhf;tyf d jnxtnt j

ghb,skb b e,snrf[ <fyrf rfr e,snrb jn gthtjwtyrb wtyys[ ,evfu.

Wtyyst ,evfub gj gthtcvjnhtyyjq cnjbvjcnb !cjukfcyj hfcxtnfv

Jcyjdsdfzcm yf gthtcvjnhtyyjq jwtyrt bcnbyyjq cnjbvjcnb Erhfbycrb[

ujcelfhcndtyys[ j,kbufwbq> <fyr cjplfk cgtwbfkmyst yfrjgktybz d

hfpvtht 2>892 nsc. kfnjd b drk/xbk b[ d jnxtn j ghb,skb b e,snrf[ pf 1999

ujl !cv. Ghbvtxfybt 8@. Nfrbv j,hfpjv> ,fkfycjdfz cnjbvjcnm

ujcelfhcndtyys[ j,kbufwbq Erhfbys ltyjvbybhjdfyys[ d ljkkfhf[ CIF

b ytvtwrb[ vfhrf[ cjcnfdbkf 3>948 nsc. b 3>498 nsc. kfnjd cjjndtncndtyyj.

Dct wtyyst ,evfub c abrcbhjdfyysv lj[jljv> rhjvt ujcelfhcndtyys[

ljkujds[ j,zpfntkmcnd CIF> ,skb ghbj,htntys d bydtcnbwbjyys[ wtkz[.

Yf 31 ltrf,hz 1999 ujlf cnjbvjcnm yt fvjhnbpbhjdfyyjuj lbcrjynf b

ghtvbq gj j,kbufwbzv b lheubv ljkujdsv j,zpfntkmcndfv c

abrcbhjdfyysv lj[jljv cjcnfdbkf cjjndtncndtyyj 55 nsc. b 17 nsc. kfnjd.

Cjukfcyj byajhvfwbb herjdjlcndf <fyrf> hsyjxyfz cnjbvjcnm j,kbufwbq

b lheub[ ljkujds[ j,zpfntkmcnd c abrcbhjdfyysv lj[jljv> rhjvt

Vbybcnthcndf abyfycjd Erhfbys@ ,skb j,vtytys yf j,kbufwbb d

ljkkfhf[ CIF !cj chjrjv gjufitybz 22 ctynz,hz 2000 ujlf@ d hfpvtht

16>042 nsc. ljkkfhjd CIF !9>369 nsc. kfnjd@> bcgjkmpez abrcbhjdfyysq

dfk/nysq rehc erhfbycrjq uhbdys r ljkkfhe CIF - 2.848 r 1. Ghb,skm

jn j,vtyf byjcnhfyyjq dfk/ns exntyf d jnxtnt j ghb,skb b e,snrf[ pf

1998 ujl.

D 1999 ujle <fyr ghbyzk tot jlyj ghtlkj;tybt ghfdbntkmcndf Erhfbys

gj j,vtye ,tpregjyys[ ujcelfhcndtyys[ j,kbufwbq Erhfbys d

ljkkfhf[ CIF yf ujcelfhcndtyyst j,kbufwbb Erhfbys d ytvtwrb[

vfhrf[ cj chjrjv gjufitybz 26 atdhfkz 2001 ujlf b ghjwtynyjq

cnfdrjq regjyf d 16% ujljds[. Ghbyzd 'nj ghtlkj;tybt <fyr j,vtyzk

j,kbufwbb ltyjvbybhjdfyyst d ljkkfhf[ CIF yjvbyfkmyjq

cnjbvjcnm/ 11>680 nsc. ljkkfhjd CIF c ljgjkybntkmyjq jgkfnjq d

hfpvtht 1>314 nsc. ljkkfhjd CIF yf j,kbufwbb ltyjvbybhjdfyyst d

ytvtwrb[ vfhrf[ c yjvbyfkmyjq cnjbvjcnm/ 19>410 nsc. ytvtwrb[

vfhjr. Cnjbvjcnm ghbj,htntybz j,kbufwbq gentv j,vtyf cjcnfdbkf

18>309 nsc. ytvtwrb[ vfhjr !94% jn b[ yjvbyfkmyjq cnjbvjcnb@. D

cjjndtncndbb c eckjdbzvb j,vtyf ghbyznfz cnjbvjcnm j,kbufwbq

ltyjvbybhjdfyys[ d ljkkfhf[ CIF cjcnfdbkf 75% jn b[ yjvbyfkmyyjq

cnjbvjcnb. Ghb,skm jn hfpybws vt;le chtlytq wtyjq ghbj,htntybz

ujcelfhcndtyys[ j,kbufwbq Erhfbys ltyjvbybhjdfyys[ d ljkkfhf[

CIF b ghbyznjq cnjbvjcnm/ j,vtyf ,skf pfxntyf d cnjbvjcnm

ujcelfhcndtyys[ j,kbufwbq Erhfbys ltyjvbybhjdfyys[ d ytvtwrb[

vfhrf[> evtymibd wtye b[ ghbj,htntybz.

Rfr erfpfyj d Ghbvtxfybb 34> 4 atdhfkz 2000 ujlf ghfdbntkmcndj

Erhfbys pfzdbkj j htcnhernehbpfwbb cdjtuj dytiytuj ljkuf> c rjnjhjq

cjukfcbkfcm ,jkmibycndj rhtlbnjhjd rjnjhsv jyf ,skf ghtlkj;tyf. D

htpekmnfnt herjdjlcndj <fyrf> jcyjdsdfzcm yf ljcnegyst rjnbhjdrb

htcnhernehbhjdfyys[ ujcelfhcndtyys[ j,kbufwbq Erhfbys b eckjdbz

htcnhernehbpfwbb> gthtcvjnhtkj jwtyre bcnbyyjq cnjbvjcnb

ujcelfhcndtyys[ j,kbufwbq Erhfbys b ghbyzkj bvt/ott j,hfnye/

cbke htitybt j, jwtyrt ujcelfhcndtyys[ j,kbufwbq Erhfbys

ltyjvbybhjdfyys[ d ytvtwrb[ vfhrf[ b ljkkfhf[ CIF d hfpvtht 60%

b 58% jn b[ yjvbyfkmyjq cnjbvjcnb cjjndtncndtyyj.

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14. FRWBB B GHJXBT WTYYST <EVFUB C YTABRCBHJDFYYSV LJ{JLJV (LVL)

31.12.99. 31.12.98.Frwbb ghtlghbznbq b rhtlbnys[

extht;ltybq Kfndbb 9>998 38>988

Frwbb byjcnhfyys[ ghtlghbznbq 1>122>080 53>386

Dctuj frwbb b ghjxbt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv 1>132>078 92>374

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

26

31.12.99. 31.12.98.Rjnbhetvst Yt rjnbhetvst Rjnbhetvst Yt rjnbhetvst

yf ,bh;f[ yf ,bh;f[ yf ,bh;f[ yf ,bh;f["vbntyns cnhfy htubjyf OECD%

Ujcelfhcndtyyst tdhjj,kbufwbb Bnfkbb 590>748 - - -Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf CIF - - 10>314 -

J,kbufwbb rhtlbnys[ exht;ltybq 9>074>531 - - -

J,kbufwbb xfcnys[ ghtlghbznbq 283>570 - - -

"vbntyns cnhfy htubjyf yt-OECD%

Ujcelfhcndtyyst j,kbufwbb Erhfbys 5>366>564 4>971>912 - 9>678>236

Ujcelfhcndtyyst tdhjj,kbufwbb Ckjdtybb 179>672 - - -

Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf Hjccbb - 4>592 - 457>133

Ujcelfhcndtyyst tdhjj,kbufwbb Kfndbb 177>377 - - -

Dctuj j,kbufwbb b lheubt ljkujdst j,zpfntkmcndf c abrcbhjdfyysv lj[jljv 15>672>462 4>976>504 10>314 10>135>369Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[

ljkujd !cv. Ghbvtxfybt 8@ !1>868>195@ !1>023>789@ - !397>734@

Ytnnj j,kbufwbb b lheubt ljkujdst j,zpfntkmcndf c abrcbhjdfyysv lj[jljv 13>804>267 3>952>715 10>314 9>737>635

15. EXFCNBT D RFGBNFKT LJXTHYB{ B FCCJWBBHJDFYYS{ GHTLGHBZNBQ (LVL)

Cktle/ofz nf,kbwf jnhf;ftn exfcnbt <fyrf d rfgbnfkt ljxthyb[ ghtlghbznbq yf rjytw jnxtnyjuj ujlf%

31.12.99. 31.12.98.Dbl ghtlghb- <fkfycjdfz Ljkz d <fkfycjdfz Ljkz d

ybvfntkmcrjq cnjbvjcnm jcyjdyjv cnjbvjcnm jcyjdyjvYfpdfybt ltzntkmyjcnb exfcnbz rfgbnfkt !%@ exfcnbz rfgbnfkt !%@Exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq

SIA “Veiksmen Elektroniks” Njhujdkz 51>100 98% 1>100 55%

SIA “Riventa” Njhujdkz 21>800 93% 1>800 52%

Dctuj exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq 72>900 2>900Pf dsxtnjv yfrjgktybq lkz cjvybntkmys[

ljkujd !cv. Ghbvtxfybt 8@ !72>900@ -

Ytnnj exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq - 2>900Exfcnbt d rfgbnfkt fccjwbbhjdfyys[ ghtlghbznbq

Abyfycjdjt

SIA “Banku Servisa Centrs” gjchtlybxtcndj 93>834 24% - -

Dctuj exfcnbt d rfgbnfkt fccjwbbhjdfyys[ ghtlghbznbq 93>834 - -

31.12.99. 31.12.98.Rjnbhetvst Yt rjnbhetvst Rjnbhetvst Yt rjnbhetvst

yf ,bh;f[ yf ,bh;f[ Dctuj yf ,bh;f[ yf ,bh;f[ DctujFrwbb ghtlghbznbq ujcelfhcnd htubjyf OECD 847>580 12>015 859>595 - 13>613 13>613

Frwbb ghtlghbznbq Hjccbb 262>485 - 262>485 39>773 - 39>773

Frwbb rhtlbnys[ exht;ltybq Kfndbb 1>302 - 1>302 1>028 - 1>028

Frwbb ghtlghbznbq Kfndbb 8>696 - 8>696 10>960 27>000 37>960

Dctuj frwbb b ghjxbt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv 1>120>063 12>015 1>132>078 51>761 40>613 92>374

Cktle/ofz nf,kbwf jnhf;ftn bydtcnbwbb d rjnbhetvst b yt rjnbhetvst

yf ,bh;f[ frwbb b ghjxbt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv%

Bydtcnbwbb d rjnbhetvst yf ,bh;t frwbb ,skb cltkfys d cgtrekznbdys[

wtkz[ b exntys gj b[ hsyjxyjq cnjbvjcnb. Yt rjnbhetvst yf ,bh;t

frwbb ,skb ghbj,htntys d bydtcnbwbjyys[ wtkz[ b exntys d ,fkfyct gj

cnjbvjcnb b[ ghbj,htntybz.

ljkujds[ j,zpfntkmcnd c abrcbhjdfyysv lj[jljv> lkz rjnjhs[ ,skb cjplfys yfrjgktybz> ceotcndtyyj yt jnkbxftncz jn b[ ,fkfycjdjq cnjbvjcnb.

Gj'njve> hsyjxyfz cnjbvjcnm rjnbhetvs[ wtyys[ ,evfu c abrcbhjdfyysv lj[jljv yt erfpfyf.

Cktle/ofz nf,kbwf jnhf;ftn bydtcnbwbb d rjnbhetvst b yt rjnbhetvst yf ghbpyfyys[ ,bh;f[ j,kbufwbb b ghjxbt ljkujdst j,zpfntkmcndf c

abrcbhjdfyysv lj[jljv%

Cjukfcyj byajhvfwbb herjdjlcndf <fyrf> hsyjxyfz cnjbvjcnm j,kbufwbq b lheub[ ljkujds[ j,zpfntkmcnd c abrcbhjdfyysv lj[jljv> rhjvt ljkujds[

j,zpfntkmcnd c abrcbhjdfyysv lj[jljv> lkz rjnjhs[ ,skb cjplfys yfrjgktybz> ceotcndtyyj yt jnkbxftncz jn b[ ,fkfycjdjq cnjbvjcnb. Gj'njve> hsyjxyfz

cnjbvjcnm rjnbhetvs[ wtyys[ ,evfu c abrcbhjdfyysv lj[jljv yt erfpfyf.

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Yf 31 ltrf,hz 1998 ujlf exfcnbt <fyrf d jcyjdyjv rfgbnfkt SIA $Banku

Servisa Centrs$ cjcnfdbkj 12% jn jcyjdyjuj rfgbnfkf ghtlghbznbz b

,fkfycjdfz cnjbvjcnm exfcnbz cjcnfdbkf 27 nsc. kfnjd. Jcyjdsdfzcm yf

dsiterfpfyyjt b yf ghjwtynyjt exfcnbt d 'njv ghtlghbznbb> yf 31

ltrf,hz 1998 ujlf jyj ,skj rkfccbabwbhjdfyj rfr bydtcnbwbz d frwbb b

lheubt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv.

Cktle/ofz nf,kbwf jnhf;ftn ldb;tybt exfcnbz <fyrf d rfgbnfkt ljxth-

yb[ b fccjwbbhjdfyys[ ghtlghbznbq gj yfxfkmyjq cnjbvjcnb bydtcnbwbq

d ntxtybt jnxtnyjuj ujlf%

Gthtl ghbj,htntybtv j,f ljxthyb[ ghtlghbznbz gjkexbkb rhtlbns jn

<fyrf. D 1998 ujle <fyr ghbj,htk 55% ljktq rfgbnfkf SIA “Veiksmen

Elektroniks” b 52% ljktq rfgbnfkf SIA “Riventa”> c wtkm/ gjkextybz

rjynhjkz yfl [jpzqcndtyyjq ltzntkmyjcnm/ ghtlghbznbq.

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Cktle/ofz nf,kbwf jnhf;ftn ldb;tybt jcyjdys[ chtlcnd d ntxtybt 1999 ujlf%

Dctuj jcyjdystPlfybz b Vjlthybpfwbz chtlcndf

vjlthybpfwbz fhtyljdfyys[ rhjvtjcyjdys[ jcyjdys[ Nhfycgjhnyst Jabcyjt fdfycjds[

Ptvkz chtlcnd chtlcnd chtlcndf j,jheljdfybt gkfnt;tqYfxfkmyfz cnjbvjcnmYf 1 zydfhz 1999 ujlf 114>687 1>884>720 - 213>927 1>446>345 3>659>679

Ghbj,htntyj d ntxtybt ujlf 3>073 39>317 20>551 114>963 243>400 421>304

Ghjlfyj b cgbcfyj d ntxtybt ujlf - - - !54>822@ !8>805@ !63>627@

Yf 31 ltrf,hz 1999 ujlf 117>760 1>924>037 20>551 274>068 1>680>940 4>017>356

Yfrjgktyyfz fvjhnbpfwbzYf 1 zydfhz 1999 ujlf - 113>809 - 86>980 922>611 1>123>400

Yfxbcktyyfz d ntxtybt ujlf fvjhnbpfwbz - 89>869 167 35>671 192>031 317>738

Cgbcfybt fvjhnbpfwbb - - - !31>386@ !6>588@ !37>974@

Yf 31 ltrf,hz 1999 ujlf - 203>678 167 91>265 1>108>054 1>403>164

Jcnfnjxyfz cnjbvjcnmYf 1 zydfhz 1999 ujlf 114>687 1>770>911 - 126>947 523>734 2>536>279

Yf 31 ltrf,hz 1999 ujlf 117>760 1>720>359 20>384 182>803 572>886 2>614>192

Yjhvf fvjhnbpfwbb !kbytqysq vtnjl@ - 5fi 10fi 20fi 10-33fi -

D 1999 ujle herjdjlcndj <fyrf ghbyzkj htitybt bpvtybnm yjhvs fvjhnbpfwbb jcyjdys[ chtlcnd. D htpekmnfnt ghbvtytybz yjds[ yjhv fvjhnbpfwbb>

fvjhnbpfwbz hfccxbnfyyfz pf jnxtnysq gthbjl evtymibkfcm yf 177 nsc. kfnjd.

Herjdjlcndj <fyrf hfccvfnhbdfkj 'nb bydtcnbwbb rfr dhtvtyyst> nfr rfr

jyb ,skb cltkfys njkmrj lkz njuj> xnj,s gjplytt> gjckt djpdhfnf ljkujd>

b[ ghjlfnm> d cktlcndbb xtuj rjycjkblbhjdfyyst abyfycjdst jnxtns yt

,skb gjlujnjdktys.

Jlyfrj> d 1999 ujle abyfycjdjt cjcnjzybt ghtlghbznbq yt ekexibkjcm

yf cnjkmrj> xnj,s gjkyjcnm/ jgkfnbnm ghtljcnfdktyyst bv rhtlbns. D

cdzpb c 'nbv> d rjywt jnxtnyjuj ujlf <fyr ghbyzk htitybt ghbj,htcnb

ljgjkybntkmyst xfcnb rfgbnfkf j,jb[ ghtlghbznbq c wtkm/ gjkextybz

gjkyjuj rjynhjkz yfl [jpzqcndtyyjq ltzntkmyjcnm/ dsiterfpfyys[ ghtl-

ghbznbq> jceotcndbnm b[ htcnhernehbpfwb/ b lj 1 vfz 2000 ujlf ghjlfnm

'nb ghtlghbznbz. Gj'njve> rjycjkblbhjdfyyst abyfycjdst jnxtns yf

31 ltrf,hz 1999 ujlf yt ,skb gjlujnjdktys.

SIA “Veiksmen Elektroniks” SIA “Riventa” SIA “Banku Servisa Centrs” DctujYf 1 zydfhz 1999 ujlf 1>100 1>800 27>000 29>900Bydtcnbwbb d jcyjdyjq rfgbnfk 50>000 20>000 - 70>000

Ghbj,htntybt exfcnbz - - 66>834 66>834

Yf 31 ltrf,hz 1999 ujlf 51>100 21>800 93>834 166>734

16. JCYJDYST CHTLCNDF B YTVFNTHBFKMYST FRNBDS (LVL)

31.12.99. 31.12.98.

Ptvkz 117>760 114>687

Plfybz b vjlthybpfwbz jcyjdys[ chtlcnd 1>720>359 1>770>911

Vjlthybpfwbz fhtyljdfyys[ jcyjdys[ chtlcnd 20>384 -

Nhfycgjhnyst chtlcndf 182>803 126>948

Jabcyjt j,jheljdfybt

Rjvgm/nthyjt j,jheljdfybt 184>402 169>095

Ghjxbt jcyjdyst chtlcndf 388>484 354>638

Dctuj jabcyjt j,jheljdfybt 572>886 523>733

Fdfycjdst gkfnt;b pf jcyjdyst chtlcndf 17>671 34>782

Dctuj jcyjdyst chtlcndf 2>631>863 2>571>061

Ytvfnthbfkmyst frnbds 160 320

Dctuj jcyjdyst chtlcndf b ytvfnthbfkmyst frnbds gj jcnfnjxyjq cnjbvjcnb 2>632>023 2>571>381

27

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17. GHJXBT FRNBDS (LVL)

31.12.99. 31.12.98.Ltyt;yst chtlcndf yf cxtnf[ d

,hjrthcrjq rjvgfybb 152>449 -

Rkbhbyujdst jcnfnrb gj rhtlbnysv rfhnfv 22>938 -

Fdfycjdst gkfnt;b YLC 20>025 -

Fdfycjdst gkfnt;b gj gjlj[jlyjve

yfkjue c ghtlghbznbq - 145>838

Nht,jdfybz r Hjccbqcrjve cele - 61>410

Ghjxbt rhfnrjchjxyst frnbds 29>716 38>270

Dctuj ghjxbt frnbds 225>128 245>518Pf dsxtnjv yfrjgktybq lkz

cjvybntkmys[ ljkujd

!cv. Ghbvtxfybt 8@ - !61>410@

Ytnnj ghjxbt frnbds 225>128 184>108

Xnj,s jceotcndkznm cltkrb c frwbzvb ghtlghbznbq CIF> <fyr jnrhsk cxtn

d ,hjrthcrjq rjvgfybb> pfhtubcnhbhjdfyyjq d CIF. Ltyt;yst chtlcndf

yf 'njv cxtnt> ukfdysv j,hfpjv> jnhf;f/n pfkju gj j,zpfntkmcndfv <fyrf

pf pfbvcndjdfyyst frwbb !cv. Ghbvtxfybt 21@.

18. HFC{JLS <ELEOB{ GTHBJLJD B YFRJGKTYYSTLJ{JLS (LVL)

31.12.99. 31.12.98.Yfrjgktyyst ghjwtynyst lj[jls 1>147>540 80>720

Ghjxbt ghjwtynyst lj[jls 6>449 -

Ythtfkbpjdfyyfz ghb,skm jn

ytpfrjyxtyys[ cltkjr gj

j,vtye byjcnhfyyjq dfk/ns 203>904 -

Hfc[jls ,eleob[ gthbjljd 19>701 13>935

Dctuj hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls 1>377>594 94>655Pf dsxtnjv yfrjgktybq lkz

cjvybntkmys[ ljkujd

!cv. Ghbvtxfybt 8@ !1>862@ -

Hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls> ytnnj 1>375>732 94>655

Yf 31 ltrf,hz 1999 ujlf yfrjgktyyst ghjwtynyst lj[jls drk/xf/n d ct,z

yfrjgktyysq regjy ujcelfhcndtyys[ j,kbufwbq Erhfbys d ytvtwrb[ vfhrf[

d hfpvtht 788 nsc. kfnjd. Yfxfkmysq chjr dsgkfns regjyf ,sk 26 atdhfkz

2000 ujlf> jlyfrj> cjukfcyj eckjdbzv htcnhernehbpfwbb dytiytuj ljkuf

Erhfbys> j rjnjhs[> rfr erfpfyj d Ghbvtxfybb 34> ,skj cjj,otyj gjckt

jrjyxfybz jnxtnyjuj ujlf> chjr dsgkfns regjyf ,sk ghjlkty lj fghtkz 2000

ujlf. Lkz dsitegjvzyenjuj yfrjgktyyjuj regjyf ujcelfhcndtyys[

j,kbufwbq Erhfbys ybrfrbt yfrjgktybz yt ,skb cjplfys.

19. J<ZPFNTKMCNDF GTHTL RHTLBNYSVB EXHT:LTYBZVB (LVL)

Cktle/ofz nf,kbwf jnhf;ftn j,zpfntkmcndf gthtl rhtlbnysvb

exht;ltybzvb gj chjrfv b[ jgkfns%

31.12.99. 31.12.98.Drkfls lj djcnht,jdfybz 5>705>244 1>849>915

Ufhfynbqyst ltgjpbns 503>829 1>811>435

Chjxyst drkfls - 3>414>000

Dctuj j,zpfntkmcndf gthtl rhtlbnysvb exht;ltybzvb 6>209>073 7>075>350

Dct j,zpfntkmcndf gthtl rhtlbnysvb exht;ltybzvb jnhf;f/n j,zpfntkmcndf

gthtl rhtlbnysvb exht;ltybzvb pfhtubcnhbhjdfyysvb d ujcelfhcndf[

htubjyf yt-OECDpf bcrk/xtybtv Kfndbb.

Yf 31 ltrf,hz 1999 ujlf j,obt j,zpfntkmcndf gthtl jlybv rhtlbnysv

exht;ltybtv> pfhtubcnhbhjdfyysv d ujcelfhcndt htubjyf yt-OECD>

cjcnfdbkb 72%jn j,ob[ j,zpfntkmcnd <fyrf gthtl rhtlbnysvb

exht;ltybzvb.

20. DRKFLS (LVL)

Cktle/obt nf,kbws jnhf;f/n drkfls gj dblfv drkflxbrjd b vtcne b[

htubcnhfwbb%

Dbl drkflxbrjd 31.12.99. 31.12.98.Xfcnyst ghtlghbznbz 40>400>898 24>002>241

Xfcnyst kbwf 12>978>568 7>804>821

Cfvjeghfdktybz 279>989 417>810

Ujcelfhcndtyyst ghtlghbznbz 106>988 227>907

Ghfdbntkmcndf 31>118 87>726

J,otcndtyyst b htkbubjpyst

jhufybpfwbb 16>279 14>005

Xfcnyst abyfycjdst exht;ltybz 490 11

Dctuj drkfls 53>814>330 32>554>521

Vtcnj htubcnhfwbb drkflxbrjd 31.12.99. 31.12.98.Htpbltyns 2>572>936 2>289>269

Ythtpbltyns 51>241>394 30>265>252

Dctuj drkfls 53>814>330 32>554>521

21. GHJXBT J<ZPFNTKMCNDF (LVL)

31.12.99. 31.12.98.J,zpfntkmcndf gj pfbvcndjdfyysv

frwbzv ghtlghbznbq 125>246 -

Ytdszcytyyst cevvs 96>989 167>862

Ltymub d genb - 211>625

Ghjxbt j,zpfntkmcndf 40>976 23>298

Dctuj ghjxbt j,zpfntkmcndf 263>211 402>785

J,zpfntkmcndf gj pfbvcndjdfyysv frwbzv jnyjczncz r frwbzv ghtlghbznbq

CIF !cv. Ghbvtxfybt 17@.

Cnfnmz ,fkfycf ytdszcytyyst cevvs jnhf;ftn nt gjcnegbdibt ltyt;yst

gthtxbcktybz> gkfnt;yst gjhextybz rjnjhs[ yt cjlth;fn ljcnfnjxyjq

byajhvfwbb lkz njuj> xnj,s <fyr vju pfxbckbnm 'nb gthtxbcktybz yf

cjjndtncnde/obt cxtnf rkbtynjd.

Lkz lfyys[ abyfycjds[ jnxtnjd> cnfnmz ,fkfycf Ltyt;yst chtlcndf d

genb` ,skf htrkfccbabwbhjdfyf> jcyjdsdfzcm yf byajhvfwbb j lfnt

dfk/nbhjdfybz cjjndtncnde/otuj gkfnt;f. Nfrbt cevvs j,sxyj

rkfccbabwbhe/ncz rfr drkfls. Jlyfrj> gjcrjkmre htrkfccbabrfwbz dct[

ltytu d genb yf 31 ltrf,hz 1998 ujlf ,skf ,s nheljtvrbv ghjwtccjv>

herjdjlcndj <fyrf gjcxbnfkj ytwtktcjj,hfpysv erfpfnm chfdybntkmyst

lfyyst gj cxtnfv Ltyt;yst chtlcndf d genb`.

22. LJ{JLS <ELEOB{ GTHBJLJD B YFRJGKTYYSTHFC{JLS (LVL)

31.12.99. 31.12.98.Yfrjgktyyst hfc[jls gj ghjwtynfv 192>809 157>171

Yfrjgktyyst flvbybcnhfnbdyst

hfc[jls 65>074 69>372

Dctuj lj[jls ,eleob[ gthbjljd b yfrjgktyyst hfc[jls 257>883 226>543

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

28

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23. YFRJGKTYBZ LKZ J<ZPFNTKMCND B GKFNT:TQ (LVL)

31.12.99. 31.12.98.Yfrjgktybz lkz jgkfns

jngecrjd hf,jnybrjd 47>563 30>060

J,zpfntkmcndf gj dsgkfnt lbdbltyljd 1>190 1>435

Dctuj yfrjgktybz lkz j,zpfntkmcnd b gkfnt;tq 48>753 31>495

24. DYT<FKFYCJDST J<ZPFNTKMCNDF (LVL)

31.12.99. 31.12.98.Djpvj;yst j,zpfntkmcndfFrrhtlbnbds 1>471>002 183>380

Dslfyyst ufhfynbb 204>495 150>167

Dctuj djpvj;yst j,zpfntkmcndf 1>675>497 333>547

J,zpfntkmcndf gthtl rkbtynfvbDslfyyst> yj tot yt

dsgkfxtyyst rhtlbns 936>188 487>764

Ytbcgjkmpjdfyyst rhtlbnyst kbybb 1>030>445 451>367

Dctuj j,zpfntkmcndf gthtl rkbtynfvb 1>966>633 939>131Dctuj djpvj;yst j,zpfntkmcndf b j,zpfntkmcndf gthtl rkbtynfvb 3>642>130 1>272>678

Ytdsgkfxtyyst rhtlbns drk/xf/n d ct,z kbvbns lt,tnjds[ jcnfnrjd yf

rhtlbnys[ rfhnf[> rjnjhst j,tcgtxtys ufhfynbqysvb ltgjpbnfvb.

31.12.99. 31.12.98.Jgthfwbb gj j,vtye

byjcnhfyyjq dfk/ns

Nht,jdfybz> dsntrf/obt

bp spotjgthfwbq 390>190 -

J,zpfntkmcndf> dsntrf/obt

bp spotjgthfwbq !390>610@ -

Nht,jdfybz> dsntrf/obt

bp swapjgthfwbq 1>119>072 -

J,zpfntkmcndf> dsntrf/obt

bp swapjgthfwbq !1>103>272@ -

Nht,jdfybz> dsntrf/obt bp

forwardjgthfwbq 5>137>363 -

J,zpfntkmcndf> dsntrf/obt bp

forward jgthfwbq !4>942>022@ -

Ytnnj jgthfwbb gj j,vtye byjcnhfyyjq dfk/ns 210>721 -

D cktle/otq nf,kbwt dyt,fkfycjdst j,zpfntkmcndf <fyrf fyfkbpbhe/ncz gj

vtcne htubcnhfwbb kbw> exfcnde/ob[ dj dyt,fkfycjds[ jgthfwbz[%

Ujcelfhcndf Lheubt Dctuj htubjyf OECD Kfndbz ujcelfhcndf 31.12.99.

Djpvj;yst j,zpfntkmcndfFrrhtlbnbds 675>030 565>272 230>700 1>471>002

Dslfyyst ufhfynbb 61>215 101>012 42>268 204>495

Dctuj djpvj;yst j,zpfntkmcndf 736>245 666284 272>968 1>675>497

J,zpfntkmcndf gthtl rkbtynfvbDslfyyst> yj tot yt dsgkfxtyyst rhtlbns 426>258 287>735 222>195 936>188

Ytbcgjkmpjdfyyst rhtlbnyst kbybb - 1>030>445 - 1>030>445

Dctuj j,zpfntkmcndf gthtl rkbtynfvb 426>258 1>318>180 222>195 1>966>633Dctuj djpvj;yst j,zpfntkmcndf b j,zpfntkmcndf gthtl rkbtynfvb 1>162>503 1>984>464 495>163 3>642>130

D cktle/otq nf,kbwt fyfkbpbhe/ncz cltkrb gj j,vtye byjcnhfyyjq dfk/ns gj vtcne htubcnhfwbb gfhnythjd%

Ujcelfhcndf Lheubt Dctuj Jgthfwbb gj j,vtye byjcnhfyyjq dfk/ns htubjyf OECD Kfndbz ujcelfhcndf 31.12.99.Nht,jdfybz> dsntrf/obt bp spot jgthfwbq 390>190 - - 390>190

J,zpfntkmcndf> dsntrf/obt bp spot jgthfwbq !390>610@ - - !390>610@

Nht,jdfybz> dsntrf/obt bp swap jgthfwbq - 1>119>072 - 1>119>072

J,zpfntkmcndf> dsntrf/obt bp swap jgthfwbq - !1>103>272@ - !1>103>272@

Nht,jdfybz> dsntrf/obt bp forward jgthfwbq 5>137>363 - - 5>137>363

J,zpfntkmcndf> dsntrf/obt bp forward jgthfwbq !4>942>022@ - - !4>942>022@

Ytnnj jgthfwbb gj j,vtye byjcnhfyyjq dfk/ns 194>921 15>800 - 210>721

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

29

25. FRNBDS B GFCCBDS D EGHFDKTYBB (LVL)

D cktle/otq nf,kbwt jnhf;tys frnbds> rjnjhsvb <fyr eghfdkztn gj gjhextyb/ cdjb[ rkbtynjd> gj dble b[ bydtcnbwbq%

31.12.99. 31.12.98.Ujcelfhcndtyyst j,kbufwbb Erhfbys 209>841 216>429

Ujcelfhcndtyyst ljkujdst j,zpfntkmcndf Hjccbb 19>703 103>811

Ltyt;yst chtlcndf 389 -

Dctuj frnbds d eghfdktybb 229>933 320>240

D 1999 ujle <fyr Kfndbb ghbyzk htitybt yt hfphtifnm <fyre pfrk/xfnm yjdst bkb ghjlktdfnm ceotcnde/obt ljujdjhs j, frnbdf[> rjnjhsvb <fyr

eghfdkztn gj gjhextyb/ cdjb[ rkbtynjd.

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<fyr rjynhjkbhetn gjpbwbb byjcnhfyyjq dfk/ns nfrbv j,hfpjv> xnj,s bp,t;fnm dfk/nyjuj hbcrf.

<fyrjdcrjt pfrjyjlfntkmcndj Kfndbb jghtltkztn> xnj jnrhsnst gjpbwbb gj rf;ljq jnltkmyj dpznjq byjcnhfyyjq dfk/nt yt vjuen ghtdsifnm 10% jn

cj,cndtyyjuj rfgbnfkf <fyrf !cv. Ghbvtxfybt 31> ult lfyj jghtltktybt cj,cndtyyjuj rfgbnfkf d cjjndtncndbb c erfpfybzvb <fyrf Kfndbb@> f j,ofz

jnrhsnfz gjpbwbz byjcnhfyys[ dfk/n yt vj;tn ghtdsifnm 20% jn cj,cndtyyjuj rfgbnfkf.

Yf rjytw jnxtnyjuj ujlf bp-pf cjplfybz yfrjgktybq> <fyr rhfnrjchjxyj ghtdscbk dsitegjvzyenst kbvbns jnrhsnjq gjpbwbb byjcnhfyys[ dfk/n.

26. RFGBNFK B HTPTHDS (LVL)

Yf 31 ltrf,hz 1999 ujlf pfhtubcnhbhjdfyysq b jgkfxtyysq jcyjdyjq

rfgbnfk <fyrf cjcnfdkzk 5>000>000 !5>000>000@ kfnjd. Jcyjdyjq rfgbnfk

<fyrf cjcnjbn njkmrj bp ghjcns[ frwbq. Yjvbyfkmyfz cnjbvjcnm rf;ljq

frwbb cjcnfdkztn 50 !50@ kfnjd.

Yf 31 ltrf,hz 1999 ujlf e <fyrf ,skj 175 !178@ frwbjythjd> d njv xbckt 36

!37@ /hblbxtcrb[ b 139 !141@ xfcnys[ kbw c j,obv xbckjv frwbq 100>000>

drk/xfz 30 frwbq xktyjd Ghfdktybz b 1>600 frwbq SIA$H.E.C. Konsultants$

,tp ghfdf ujkjcf. Xktyfv Ghfdktybz <fyrf ytgjchtlcndtyyj ghbyflkt;bn

57.1% !30.5%@ jcyjdyjuj rfgbnfkf.

D jrnz,ht 1999 ujlf ghfdktybt <fyrf Kfndbb hfphtibkj "hytcne <thybce b

Jktue Abk/ gjkexbnm ceotcndtyyjt exfcnbt d frwbjythyjv j,otcndt

$Fqprhferktc ,fyrf$ ghbj,htnz dct frwbb ghbyflkt;fobt Associated

Russian Commerce Limited.

D rjywt jnxtnyjuj ujlf j,hfpjdfkfcm uheggf dpfbvjcdzpfyys[

frwbjythjd - Jktu Abkm b Yflt;lf Abkm> rjnjhfz rjynhjkbhetn 14.43%

!9.91%@ frwbq c ghfdjv ujkjcf.

Rhegytqibvb frwbjythfvb <fyrf> rjnjhst rjynhjkbhe/n 10 b ,jktt

ghjwtynjd jgkfxtyyjuj frwbjythyjuj rfgbnfkf <fyrf zdkz/ncz%

31.12.99. 31.12.98.Jgkfxtyysq % jn jgkfxtyyjuj Jgkfxtyysq % jn jgkfxtyyjuj

frwbjythysq frwbjythyjuj frwbjythysq frwbjythyjuj rfgbnfk rfgbnfkf rfgbnfk rfgbnfkf

Associated Russian Commerce Limited - - 1>327>550 26.55

SIA “H.E.C. Konsultants” 524>500 10.49 524>500 10.49

"hytcn <thybc 1>589>900 31.80 488>050 9.76

Jktu Abkm 699>300 13.99 473>600 9.47

Fktrcfylh <thuvfybc 565>500 11.31 563>650 11.27

Dctuj 3>379>200 67.59 3>377>350 67.54

27. DFK?NYSQ FYFKBP (LVL NSC.)

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

30

Cktle/ofz nf,kbwf jnhf;ftn frnbds> j,zpfntkmcndf> rfgbnfk b htpthds> f nfr;t dyt,fkfycjdst j,zpfntkmcndf <fyrf yf 31 ltrf,hz 1999 ujlf gj dfk/nfv%

GhjxbtFrnbds LVL USD EUR RUB dfk/ns DctujLtyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 4>820 914 129 - 52 5>915

Nht,jdfybz r rhtlbnysv exht;ltybzv - 17>122 1>736 3>113 4>613 26>584

Rhtlbns 1>102 5>672 457 2>209 - 9>440

J,kbufwbb b ghjxbt wtyyst ,evfub c

abrcbhjdfyysv lj[jljv - 13>897 3>855 5 - 17>757

Frwbb b ghjxbt wtyyst ,evfub c yt

abrcbhjdfyysv lj[jljv 10 1>110 12 - - 1>132

Exfcnbt d rfgbnfkt fccjwbbhjdfyyst ghtlghbznbq 94 - - - - 94

Jcyjdyst chtlcndf 2>631 1 - - - 2>632

Ghjxbt frnbds 21 204 - - - 225

Hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls 230 340 802 2 2 1>376

Dctuj frnbds 8>908 39>260 6>991 5>329 4>667 65>155

J,zpfntkmcndf

J,zpfntkmcndf gthtl rhtlbnysvb exht;ltybzvb 129 1>796 27 173 4>084 6>209

Drkfls 1>608 43>769 2>775 5>321 341 53>814

Ghjxbt j,zpfntkmcndf 33 133 36 49 12 263

Lj[jls ,eleob[ gthbjljd b yfrjgktyyst hfc[jls 72 183 3 - - 258

Yfrjgktybz lkz j,zpfntkmcnd b gkfnt;tq 47 2 - - - 49

Dctuj j,zpfntkmcndf 1>889 45>883 2>841 5>543 4>437 60>593

Rfgbnfk b htpthds 4>562 - - - - 4>562

Dctuj gfccbds 6>451 45>883 2>841 5>543 4>437 65>155

Ytnnj lkbyyfz#!rjhjnrfz@ gjpbwbz ,fkfycf 2>457 !6>623@ 4>150 !214@ 230 -

Dyt,fkfycjdst nht,jdfybz#!j,zpfntkmcndf@ !1>103@ 5>866 !4>590@ - 38 211

Ytnnj jnrhsnfz lkbyyfz#!rjhjnrfz@

dfk/nyfz gjpbwbz 1>354 !757@ !440@ !214@ 268 211

D ghjwtynf[ jn cj,cndtyyjuj rfgbnfkf !%@ 29.7% 16.6% 9.6% 4.7% 5.9% -

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28. CNHERNEHF CHJRJD FRNBDJD> <FKFYCJDS{ B DYT<FKFYCJDS{ J<ZPFNTKMCND (LVL NSC.)

Cktle/ofz nf,kbwf jnhf;ftn hfcghtltktybt frnbdjd> gfccbdjd b dyt,fkfycjds[ j,zpfntkmcnd <fyrf gj jcnfditvecz chjre b[ djpdhfnf b gjufitybz%

Ghjchjxty- Lj djcnht- Lj 1 1-3 3-6 6-12 1-5 <jktt 5 <tcchjx-Frnbds yst ,jdfybz vtczwf vtczwtd vtczwtd vtczwtd ktn ktn yst DctujLtyt;yst chtlcndf b

nht,jdfybz r <fyre Kfndbb - 5>915 - - - - - - - 5>915

Nht,jdfybz r rhtlbnysv

exht;ltybzv - 14>003 11>946 118 292 - - - 225 26>584

Rhtlbns 24 - 1>647 1>486 1>923 1>662 2>590 108 - 9>440

J,kbufwbb b ghjxbt wtyyst

,evfub c abrcbhjdfyysv lj[jljv - - - 953 878 3>949 11>977 - - 17>757

Frwbb b ghjxbt wtyyst ,evfub c

yt abrcbhjdfyysv lj[jljv - 1>110 - - - - - - 22 1>132

Exfcnbt d rfgbnfkt

fccjwbbhjdfyys[ ghtlghbznbq - - - - - - - - 94 94

Jcyjdyst chtlcndf - - - - - - - - 2>632 2>632

Yfrjgktyyst lj[jls b hfc[jls

,eleob[ gthbjljd 40 - 203 1>081 40 12 - - - 1>376

Ghjxbt frnbds - 175 - - - - - - 50 225

Dctuj frnbds 64 21>203 13>796 3>638 3>133 5>623 14>567 108 3>023 65>155

GfccbdsJ,zpfntkmcndf gthtl

rhtlbnysvb exht;ltybzvb - 5>705 209 295 - - - - - 6>209

Drkfls - 43>728 3>338 2>690 2>505 626 927 - - 53>814

Ghjxbt j,zpfntkmcndf - 263 - - - - - - - 263

Lj[jls ,eleob[ gthbjljd b

yfrjgktyyst hfc[jls - - 258 - - - - - - 258

Yfrjgktybz lkz j,zpfntkmcnd

b gkfnt;tq - - - - - - - - 49 49

Rfgbnfk b htpthds - - - - - - - - 4,562 4,562

Dctuj gfccbds - 49>696 3>805 2>985 2>505 626 927 - 4>611 65>155

Dyt,fkfycjdst j,zpfntkmcndfFrrhtlbnbds - - 922 258 - 291 - - - 1>471

Dslfyyst ufhfynbb - 63 63 15 - - 64 - - 205

Dslfyyst> yj tot yt

dsgkfxtyyst rhtlbns - 936 - - - - - - - 936

Ytbcgjkmpjdfyyst

rhtlbnyst kbybb - 1>030 - - - - - - - 1>030

Dctuj dyt,fkfycjdst j,zpfntkmcndf - 2029 985 273 - 291 64 - - 3>642

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

31

Hfcghtltktybt frnbdjd> gfccbdjd b dyt,fkfycjds[ j,zpfntkmcnd d cjjndtn-

cndbb cj chjrfvb b[ djpdhfnf b gjufitybz jcyjdfyj yf hfpybwt> vt;le

lfnjq ,fkfycf b %

– chjrjv djpdhfnf bkb ghjlf;b frnbdjd&

– chjrjv gjufitybz j,zpfntkmcnd&

– chjrjv gjufitybz dyt,fkfycjds[ j,zpfntkmcnd.

<fyr jwtybdftn cnhernehe chjrjd frnbdjd b gfccbdjd> hfccxbnsdfz ytnnj

gjpbwb/ gj kbrdblyjcnb rfr hfpybwe vt;le frnbdfvb b gfccbdfvb d

rf;ljq uheggt chjrjd> b j,oe/ gjpbwb/ kbrdblyjcnb rfr hfpybwe vt;le

frnbdfvb b gfccbdfvb d djphfcnf/otv gjhzlrt chjrjd. Cnhernehf chjrjd

frnbdjd> gfccbdjd b dyt,fkfycjds[ j,zpfntkmcnd cdzpfyf c hbcrjv kbrdbl-

yjcnb b erfpsdftn j,(tv ltyt;ys[ chtlcnd> ytj,[jlbvsq lkz dsgjkytybz

ceotcnde/ob[ j,zpfntkmcnd.

Nt frnbds> lkz rjnjhs[ cjplfys cgtwbfkmyst yfrjgktybz lkz cjvybntkm-

ys[ ljkujd> erfpfys gj b[ jcnfnjxyjq cnjbvjcnb.

Yfb,jkmibq eltkmysq dtc bvt/n nht,jdfybz !d hfpvtht 21>203 nsc.

kfnjd@ b j,zpfntkmcndf !d hfpvtht 49>696 nsc. kfnjd@ lj djcnht,jdfybz.

Cjukfcyj nht,jdfybzv <fyrf Kfndbb> frnbds c dscjrjq kbrdblyjcnm/

!ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb> nht,jdfybz r rhtlbn-

ysv exht;ltybzv b wtyyst ,evfub c dscjrjq kbrdblyjcnm/@ yt vjuen

,snm vtymit xtv 30% jn rhfnrjchjxys[ j,zpfntkmcnd <fyrf. Yf

31 ltrf,hz 1999 ujlf gjrfpfntkm kbrdblyjcnb <fyrf cjcnfdkzk 77%.

Dsiterfpfyyjt hfcghtltktybt chjrjd yt ,skj crjhhtrnbhjdfyj d cjjn-

dtncndbb c eckjdbzvb htcnhernehbpfwbb ujcelfhcndtyys[ j,kbufwbq

Erhfbys> rjnjhtt> rfr erfpfyj d Ghbvtxfybb 34> ghjbpjikj gjckt

pfdthitybz jnxtnyjuj ujlf.

29. FYFKBP CNHERNEHS BPVTYTYBQ GHJWTYNYJQCNFDRB FRNBDJD B GFCCBDJD

Ghjwtynyst cnfdrb ,jkmitq xfcnb frnbdjd b j,zpfntkmcnd <fyrf> gj

rjnjhsv dsgkfxbdf/ncz ghjwtyns> zdkz/ncz gjcnjzyysvb> yj vjuen ,snm

bpvtytys ghb yfcnegktybb chjrf jgkfns#gjufitybz> rfr erfpfyj d

Ghbvtxfybb 28. Jlyfrj> xnj,s evtymibnm hbcr ghjwtynys[ cnfdjr> d

1999 ujle <fyr jghtltkbk gkfdf/obt ghjwtynyst cnfdrb lkz dct[ pfyjdj

dslfyys[ ljkujchjxys[ rhtlbnjd !18 b ,jktt vtczwtd@ cevvf rjnjhs[

ghtdsiftn 15 nsc. kfnjd. Gkfdf/oe/ ghjwtynye/ cnfdre <fyr

gthtcvfnhbdftn ldf hfpf d ujl. Yf 31 ltrf,hz jcnfnjr rhtlbnjd> dslfyys[ c

gkfdf/otq ghjwtynyjq cnfdrjq> cjcnfdbk 568 nsc. kfnjd. Yf rjytw

Page 34: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

jnxtnyjuj ujlf ,fkfycjdfz cnjbvjcnm bvt/ob[cz e <fyrf j,kbufwbq

rhtlbnys[ exht;ltybq b xfcnys[ ghtlghbznbq c gkfdf/otq ghjwtynyjq

cnfdrjq cjcnfdbkf 6>686 nsc. kfnjd.

30. JGTHFWBB CJ CDZPFYYSVB KBWFVB (LVL NSC.)

Cdzpfyysvb kbwfvb cxbnf/ncz frwbjyths> rjnjhst vjuen ceotcndtyyj

gjdkbznm yf ltzntkmyjcnm <fyrf% xktys Cjdtnf b Ghfdktybz> herjdjlzobt

hf,jnybrb> b[ ,kbprbt hjlcndtyybrb b rjynhjkbhetvst bvb ghtlghbznbz

b ljxthybt f nfr;t fccjwbbhjdfyyst ghtlghbznbz.

Cktle/ofz nf,kbwf jnhf;ftn rhtlbns> dslfyyst cdzpfyysv

kbwfv> pf dsxtnjv yfrjgktybq%

31.12.99. 31.12.98.Herjdjlcnde <fyrf 5 5

Cdzpfyysv /hblbxtcrbv kbwfv 370 386

Lheubv cdzpfyysv xfcnysv kbwfv 4 2

Dctuj rhtlbns cdzpfyysv kbwfv> pf dsxtnjv yfrjgktybq 379 393D ghjwtynyjv jnyjitybb r cj,cndtyyjve

rfgbnfke !cv. Ghbvtxfybt 31@ 8.3% 7.6%

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

32

Yf 31 ltrf,hz 1999 ujlf <fyr cjplfk cgtwbfkmyst yfrjgktybz lkz rhtlb-

njd dslfyys[ cdzpfyysv /hblbxtcrbv kbwfv d hfpvtht 255 nsc. kfnjd b

lkz xfcnys[ kbw d hfpvtht 2 nsc. kfnjd.

Eckjdbz gj rhtlbnfv> dslfyysv cdzpfyysv kbwfv yf 31 ltrf,hz 1999>

ujlf vj;yj jnhfpbnm cktle/obv j,hfpjv%

Cktle/ofz nf,kbwf jnhf;ftn rhtlbns> dslfyyst cdzpfyysv

kbwfv> pf dsxtnjv yfrjgktybq%

Cevvf EckjdbzHerjdjlcnde <fyrf 5 10%

Cdzpfyysv /hblbxtcrbv kbwfv 370 2%-11%

Lheubv cdzpfyysv abpbxtcrbv kbwfv 4 0%-19%

Dctuj rhtlbns cdzpfyysv kbwfv> pf dsxtnjv yfrjgktybq 379

<fyr nfr;t ghtljcnfdbk ufhfynbb gj rhtlbnysv rfhnfv American Express>

dslfyysv xktyfv Ghfdktybz <fyrf> d hfpvtht 11>660 kfnjd. "nb ufhfy-

nbb j,tcgtxtys cnhf[jdsvb ltgjpbnfvb.

Gj dctv drkflfv cdzpfyys[ kbw dsgkfxbdf/ncz ghjwtyns d cjjndtncndbb

cj cnfylfhnyjq ghjwtynyjq cnfdrjq> ghtlkfuftvjq <fyrjv. Drkfls cdz-

pfyys[ kbw yf 31 ltrf,hz 1999 ujlf cjcnfdbkb 47>868 kfnjd.

31. LJCNFNJXYJCNM RFGBNFKF (LVL NSC.)

Jgbcfybt Cevvf

"ktvtyns gthdjuj ehjdyz cj,cndtyyjuj rfgbnfkf

- jgkfxtyysq jcyjdyjq rfgbnfk 5>000

- 'vbccbjyyfz yfwtyrf frwbq 255

- htpthdysq rfgbnfk 1>002

- ghjdthtyyfz htdbpjhfvb ghb,skm !e,snrb@ ghtlsleob[ ktn !1>119@

vbyec

- j,ofz yjvbyfkmyfz cnjbvjcnm jgkfxtyys[ ghbdbktubhjdfyys[ frwbq -

- yfrjgktyyst e,snrb ghtlsleob[ ktn -

- yf[jlzobtcz d cj,cndtyyjcnb rhtlbnyjuj exht;ltybz cj,cndtyyst frwbb -

- ytvfnthbfkmyst frnbds> d cjjndtncndbb c jghtltktybtv <fyrf Kfndbb -

- !e,snrb@ jnxtnyjuj ujlf !576@

Dctuj 'ktvtyns gthdjuj ehjdyz cj,cndtyyjuj rfgbnfkf 4>562

"ktvtyns dnjhjuj ehjdyz cj,cndtyyjuj rfgbnfkf

- ce,jhlbybhjdfyysq rfgbnfk> rjnjhsq yt vj;tn ghtdsifnm 50% jn j,otq cevvs 'ktvtynjd gthdjuj ehjdyz -

- ghjdthtyyfz htdbpjhfvb ghb,skm jnxtnyjuj ujlf> yt ghtlecvjnhtyyfz lkz dsgkfns lbdbltyljd -

- htpthd j,ob[ hbcrjd> cjplfyysq bp ythfcghtltktyyjq ghb,skb ghtlsleob[ ktn -

- htpthd gthtjwtyrb jcyjdys[ chtlcnd> rjnjhsq yt vj;tn ghtdsifnm 70% jn j,otuj ghbhjcnf cnjbvjcnb

jcyjdys[ chtlcnd> rjnjhsq gjlndthlbkb gj rhfqytq vtht 2 ytpfdbcbvs[ 'rcgthnf -

- htpthd gthtjwtyrb ljkujchjxys[ bydtcnbwbq d wtyyst ,evfub> rjnjhsq yt vj;tn ghtdsifnm 55% jn j,otuj

ghbhjcnf ljkujchjxys[ bydtcnbwbq d wtyyst ,evfub -

Dctuj 'ktvtyns dnjhjuj ehjdyz cj,cndtyyjuj rfgbnfkf -

Cj,cndtyysq rfgbnfk> rjnjhsq ljk;ty bcgjkmpjdfnmcz d jghtltktyyjv

<fyrjv Kfndbb hfcxtnt gjrfpfntkz ljcnfnjxyjcnb rfgbnfkf 4>562

Ljgjkybntkmyst 'ktvtyns gthdjuj ehjdyz cj,cndtyyjuj rfgbnfkf

- ytvfnthbfkmyst frnbds

Ljgjkybntkmyst 'ktvtyns dnjhjuj ehjdyz cj,cndtyyjuj rfgbnfkf

- j,obt yfrjgktybz gj rhtlbnfv> rjnjhst yt vjuen ghtdsifnm 1.25% jn j,otq cevvs frnbdjd> dpdtityys[ gj hbcre 104

Cj,cndtyysq rfgbnfk> rjnjhsq d cjjndtncndbb c htrjvtylfwbzvb

<fptkmcrjuj Rjvbntnf bcgjkmpetncz d hfcxtnt

gjrfpfntkz ljcnfnjxyjcnb rfgbnfkf 4>666

Rhjvt njuj> j,ofz cevvf 'ktvtynjd dnjhjuj ehjdyz cj,cndtyyjuj rfgbnfkf yt vj;tn ghtdsifnm j,oe/ cevve 'ktvtynjd gthdjuj ehjdyz.

Erfpfybz <fyrf Kfndbb gj hfcxtne gjrfpfntkz ljcnfnjxyjcnb rfgbnfkf ytvyjuj jnkbxf/ncz jn htrjvtylfwbq <fptkmcrjuj Rjvbntnf.

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Htrjvtylfwbb <fptkmcrjuj Rjvbntnf Nht,jdfybz <fyrf Kfndbb

Rhtlbnysq Dpdtityyfz Rhtlbnysq Dpdtityyfz

Frnbds 'rdbdf- Cntgtym cnjbvjcnm 'rdbdf- Cntgtym cnjbvjcnm

Frnbds 31.12.99 ktyn hbcrf !%@ 31.12.99 ktyn hbcrf !%@ 31.12.99

Ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 5>915 0 - 0 -

Nht,jdfybz%

- r rhtlbnysv exht;ltybzv htubjyf OECD 18>799 20 3>760 20 3>760

- r rhtlbnysv exht;ltybzv Kfndbb 13 100 13 20 3

- r rhtlbnysv exht;ltybzv lheub[ cnhfy 7>772 100 7>772 100 7>772

Rhtlbns%

- j,tcgtxtyyst ltgjpbnfvb 4>808 0 - 0

- 80% cntgtym hbcrf 2>971 100 2>971 80 2>377

- 100% cntgtym hbcrf 1>661 100 1>661 100 1>661

J,kbufwbb b ghjxbt wtyyst ,evfub c

abrcbhjdfyysv lj[jljv

Wtyyst ,evfub ghfdbntkmcnd ujcelfhcnd OECD 591 0 0 -

Wtyyst ,evfub Kfndbqcrjuj ghfdbntkmcndf 177 100 177 0 -

Wtyyst ,evfub rhtlbnys[ exht;ltybq

htubjyf yt-OECD 9>074 20 1>815 20 1>815

Wtyyst ,evfub ghfdbntkmcnd ujcelfhcnd htubjyf

yt-OECD b lheub[ 'vbntynjd 7>915 100 7>915 100 7>915

Frwbb b ghjxbt wtyyst ,evfub c

ytabrcbhjdfyysv lj[jljv 1>132 100 1>132 100 1>132

Exfcnbt d rfgbnfkt fccjwbbhjdfyys[ ghtlghbznbq 94 100 94 100 94

Jcyjdyst chtlcndf b ghjxbt frnbds 2>857 100 2>857 100 2>857

Hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls 1>376 100 1>376 50 688

Dctuj frnbds 65>155 31>543 30>074

Dyt,fkfycjdst j,zpfntkmcndf

Ufhfynbb

- j,tcgtxtyyst ltgjpbnfvb 102 0 - 0 -

- 100% cntgtym hbcrf 102 100 102 100 102

Frrhtlbnbds

- j,tcgtxtyyst ltgjpbnfvb 477 0 - 0 -

- 100% cntgtym hbcrf 994 100 994 50% 100 497

Abyfycjdst j,zpfntkmcndf

- 0% cntgtym hbcrf 775 0 - 0 -

- 80% cntgtym hbcrf 168 100 168 80 134

- 100% cntgtym hbcrf 1>024 100 1>024 100 1>024

Jgthfwbb gj j,vtye byjcnhfyyjq dfk/ns

- chjrjv lj 14 lytq 390 0 100 - 0% 20 -

- 0% cntgtym hbcrf 1>119 2 0 - 2% 0 -

- 100% cntgtym hbcrf 5>137 2 100 103 2% 100 103

Dctuj frnbds b dyt,fkfycjdst j,zpfntkmcndf 75>443 33>934 31>934

Cj,cndtyysq rfgbnfk 4>666 4>562Gjrfpfntkm ljcnfnjxyjcnb rfgbnfkf !%@ 13.7 14.3Vbybvfkmysq gjrfpfntkm ljcnfnjxyjcnb rfgbnfkf !%@ 8 10

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

33

Ljcnfnjxyjcnm rfgbnfkf jnhf;ftn yfkbxbt rfgbnfkmys[ htcehcjd lkzgjrhsnbz rhtlbnyjuj hbcrf b ghjxb[ c[j;b[ hbcrjd> cdzpfyys[ cfrnbdfvb b dyt,fkfycjdsvb j,zpfntkmcndfvb.

Hfccxbnfyysq d cjjndtncndbb c nht,jdfybzvb <fyrf Kfndbb gjrfpfntkm

ljcnfnjxyjcnb rfgbnfkf <fyrf cjcnfdkzk 14.3%. <fyr Kfndbb> htuekb-

he/obq ltzntkmyjcnm ,fyrjd d ujcelfhcndt> jghtltkbk> xnj jnyjitybt

cj,cndtyyjuj rfgbnfkf r dpdtityysv frnbdfv> jcyjdsdfzcm yf gjl-

ujnjdktyyst d cjjndtncndbb c ,e[ufknthcrbvb cnfylfhnfvb Kfndbb ab-

yfycjdst jnxtns> ljk;yj cjcnfdkznm gj rhfqytq vtht 10%. D nj ;t

dhtvz> hfccxbnfyysq d cjjndtncndbb c Vt;leyfhjlysvb cnfylfhnfvb

gjrfpfntkm ljcnfnjxyjcnb rfgbnfkf <fyrf yf 31 ltrf,hz 1999 ujlf cjc-

nfdbk 13.7%> xnj ghtdsiftn htrjvtyljdfyysq <fptkmcrbv Rjvbntnjv

1988 ujlf vbybvev 8%.

32. LTYT:YST CHTLCNDF B B{ "RDBDFKTYNS (LVL)

31.12.99. 31.12.98.Ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 5>914>723 3>267>742Nht,jdfybz r rhtlbnysv exht;ltybzv 25>707>263 19>962>369Rhfnrjchjxyst ljkujdst j,zpfntkmcndf - 10>314J,zpfntkmcndf gthtl lheubvb rhtlbnysvb exht;ltybzvb !5>705>244@ !1>849>915@Dctuj ltyt;yst chtlcndf b b[ 'rdbdfktyns 25>916>742 21>390>510

33. CELJGHJBPDJLCNDJ B BCRB R <FYRE

Cjukfcyj byajhvfwbb bvt/otqcz e <fyrf> jlby bp rkbtynjd gjlfk d celbcr yf djpvtotybt e,snrjd d hfpvtht 77 nsc. ljkkfhjd CIF.Jrjyxfntkmyjt htitybt celf gj 'njve ltke yf lfyysq vjvtynytbpdtcnyj> jlyfrj> herjdjlcndj <fyrf cxbnftn> xnj jyj yt ghbytctn<fyre ybrfrb[ e,snrjd.

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A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

34

34. CJ<SNBZ GJCKT JRJYXFYBZ JNXTNYJUJ UJLF

4 atdhfkz 2000 ujlf Vbybcnthcndj abyfycjd Erhfbys cjj,obkj jghtlkj;tybb htcnhernehbhjdfnm cdjb ljkub gj ujcelfhcndtyysvbj,kbufwbzvb Erhfbys. D cjjndtncndbb c eckjdbzvb 'njuj ghtlkj;tybz>ujcelfhcndtyyst j,kbufwbb Erhfbys d ytvtwrb[ vfhrf[ cj chjrjvgjufitybz 26 atdhfkz 2001 vjuen ,snm j,vtytys cjukfcyj b[yjvbyfkmyjq cnjbvjcnb yf j,kbufwbb ltyjvbybhjdfyyst d tdhj bkbljkkfhf[ CIF> rjnjhst ,elen dsgkfxbdfnmcz xfcnzvb lj 2007 ujlf> bcnfdrf regjyjd rjnjhs[ cjcnfdkztn 10 b 11 ghjwtynjd cjjndtncndtyyj.Jlyjdhtvtyyj> ,tpregjyyst ujcelfhcndtyyst j,kbufwbb Erhfbys dljkkfhf[ CIF c gthdjyfxfkmysv chjrjv gjufitybz 22 ctynz,hz 2000ujlf> vjuen ,snm j,vtytys c nfrbvb ;t eckjdbzv> ghbvtybdrj'aabwbtyn 94.614%.

Lj gthdjyfxfkmyj erfpfyyjuj chjrf> rjulf dkfltkmwfv j,kbufwbq ,skjytj,[jlbvj cjj,obnm j ghbyznbb dsitegjvzyenjuj ghtlkj;tybz> jyj,skj ghbyznj ,jkmibycndjv dkfltkmwtd j,kbufwbq> ghtlyfpyfxtyys[lkz j,vtyf. D htpekmnfnt> 15 vfhnf 2000 ujlf j,vty ,sk ghbpyfy rfrbvt/obq cbke.

D cjjndtncndbb c eckjdbzvb ghtlkj;tyyjuj j,vtyf> yjdst j,kbufwbb,elen 'vbnbhjdfyys> jcyjdsdfzcm yf jcnfnrb yf 15 vfhnf 2000 ujlf byfxyen yfrfgkbdfnm regjy yfxbyfz c 'njq lfns. Eckjdbz j,vtyf nfr;tgjlhfpevtdf/n> xnj regjys cnfhs[ j,kbufwbq ,elen yfrfgkbdfnmcz lj15 vfhnf 2000 ujlf b d gjcktlybq ltym ltqcndbz ghtlkj;tybz bkbytpfljkuj lj ytuj ,elen gthtdtltys d jlby bp wtynhfkmys[ ,fyrjd chtqnbyujv FFF. Cjukfcyj byajhvfwbb herjdjlcndf <fyrf> htfkmysqj,vty j,kbufwbq> nfr;t rfr b gthtdjl yfrjgktyyjuj regjyf cnfhs[j,kbufwbq d jlby bp wtynhfkmys[ ,fyrjd c htqnbyujv FFF> ,skbjnkj;tys yf fghtkm 2000 ujlf.

Rfr erfpfyj d Ghbvtxfybb 13> herjdjlcndj <fyrf bcgjkmpjdfkjrjnbhjdrb htcnhernehbhjdfyys[ !yjds[@ ujcelfhcndtyys[ j,kbufwbqErhfbys lkz njuj> xnj,s htnhjcgtrnbdyj jghtltkbnm cnjbvjcnmujcelfhcndtyys[ j,kbufwbq Erhfbys> ghbyflkt;fob[ <fyre yf 31ltrf,hz 1999 ujlf.

Lfyysq ljrevtyn zdkztncz gthtdjljv c jhbubyfkmyjuj ljrevtynf>gjlujnjdktyyjuj yf kfnsicrjv zpsrt.

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35

A I Z K R A U K L E S B A N K A • U J L J D J Q J N X T N ' 9 9

Frwbjythfv

FJ $Fqprhferktc ,fyrf$ ¡

1. Vs ghjbpdtkb felbn ,fkfycf FJ `Fqprhferktc ,fyrf` gj cjcnjzyb/ yf 31 ltrf,hz 1999 ujlf> f nfr;t cdzpfyys[ c ybv jnxtnf j

ghb,skb b e,snrf[> jnxtnf j, bpvtytybz[ d rfgbnfkt b htpthdf[ b jnxtnf j ldb;tybb ltyt;ys[ chtlcnd pf 1999 ujl. Pf lfyyst abyfy-

cjdst jnxtns> ghbdtltyyst yf cnhfybwf[ 17–34> jndtncndtyyjcnm ytctn herjdjlcndj FJ `Fqprhferktc ,fyrf`. Yfif j,zpfyyjcnm

pfrk/xftncz d njv> xnj,s ghtlcnfdbnm felbnjhcrjt pfrk/xtybt d jnyjitybb lfyys[ jnxtnjd yf jcyjdfybb ghjdtltyyjuj felbnf.

2. D yfitv pfrk/xtybb jn 10 vfhnf 1999 ujlf j abyfycjds[ jnxtnf[ <fyrf pf 1998 ujl> vs jujdjhbkb ytjghtltktyyjcnb d jwtyrt

bcnbyyjq cnjbvjcnb rjydthnbhjdfyys[ j,kbufwbq Erhfbys. Rfr erfpfyj d Ghbkj;tybz[ 8 b 13 r abyfycjdsv jnxtnfv> yf 31 ltrf,hz

1999 ujlf <fyr cjplfk yfrjgktybz lkz bydtcnbwbq d ujcelfhcndtyyst j,kbufwbb Erhfbys d cjjndtncndbb c jwtyrjq herjdjlcndf <fyrf

bcnbyyjq cnjbvjcnb 'nb[ bydtcnbwbq. Abyfycjdst jnxtns pf 1998 ujl yt ,skb crjhhtrnbhjdfys d jnyjitybb jnhf;tybz yfrjgktybq>

cjplfyys[ gjckt jrjyxfybz jnxtnyjuj ujlf.

3. Vs ghjbpdtkb felbn d cjjndtncndbb c Vt;leyfhjlysvb cnfylfhnfvb felbnf> bplfyysvb Vt;leyfhjlyjq atlthfwbtq ,e[ufknthjd.

Lfyyst cnfylfhns nht,e/n> xnj,s felbn gkfybhjdfkcz b ghjdjlbkcz nfrbv j,hfpjv> xnj,s gjkexbnm ljcnfnjxye/ edthtyyjcnm d njv> xnj

abyfycjdst jnxtns yt cjlth;fn ceotcndtyys[ bcrf;tybq. Felbn drk/xftn d ct,z ghjdthre yf ds,jhjxyjq jcyjdt j,jcyjdfyyjcnb

cevv b gjzcytybq> cjlth;fob[cz d abyfycjds[ jnxtnf[. Rhjvt njuj> felbn drk/xftn jwtyre ghbvtytyys[ ,e[ufknthcrb[ ghbywbgjd b

ceotcndtyys[ jwtyjr herjdjlcndf> f nfr;t jwtyre ghtlcnfdktybz abyfycjds[ jnxtnjd d wtkjv. Vs gjkfuftv> xnj ghjdtltyysq yfvb

felbn lftn yfv ljcnfnjxyst jcyjdfybz lkz njuj> xnj,s dscrfpfnm yfit vytybt.

4. Gj yfitve vytyb/> dsitegjvzyenst abyfycjdst jnxtns dj dct[ ceotcndtyys[ fcgtrnf[ ljcnjdthyj jnhf;f/n abyfycjdjt

gjkj;tybt FJ `Fqprhferktc ,fyrf` yf 31 ltrf,hz 1999 ujlf> ldb;tybt ltyt;ys[ chtlcnd pf 1999 ujl b htpekmnfns tuj ltzntkmyjcnb d

1999 ujle> pf bcrk/xtybtv djpltqcndbz yf 'nb htpekmnfns cbnefwbb> jnvtxtyyjq dj dnjhjv gfhfuhfat> d cjjndtncndbb c

Vt;leyfhjlysvb ,e[ufknthcrbvb cnfylfhnfvb.

5. Yt ltkfz ybrfrb[ jujdjhjr d yfitv pfrk/xtybb j abyfycjdjv gjkj;tybb <fyrf yf 31 ltrf,hz 1999 ujlf> vs j,hfoftv Dfit dyb-

vfybt yf ,fkfycjde/ cnjbvjcnm bydtcnbwbq <fyrf d ujcelfhcndtyyst j,kbufwbb Erhfbys !jcnfnjr yf 31 ltrf,hz 1999 ujlf - 7>446 nsc.

kfnjd@> ghtlcnfdkz/ob[ lkz <fyrf pyfxbntkmysq hbcr rjywtynhfwbb. Lkz 'nb[ bydtcnbwbq ,skb cjplfys yfrjgktybz d cjjndtncndbb c

yfb,jktt njxyjq jwtyrjq bcnbyyjq cnjbvjcnb ujcelfhcndtyys[ j,kbufwbq Erhfbys. D cdzpb c ytcnf,bkmyjq cbnefwbtq yf Erhfbyt> 'nf

jwtyrf> d bnjut> vj;tn yt cjjndtncndjdfnm rjytxyjq djpvtotyyjq cnjbvjcnb 'nb[ bydtcnbq.

ARTHUR ANDERSEN

Hbuf> 21 vfhnf 2000 ujlf

¡ Lfyysq ljrevtyn zdkztncz gthtdjljv c jhbubyfkmyjuj ljrevtynf> gjlujnjdktyyjuj yf kfnsicrjv zpsrt.

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A I Z K R A U K L E S B A N K A • G H B K J : T Y B Z

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JNXTN J GHB<SKB B E<SNRF{ PF GTHDSQ RDFHNFK 2000 UJLF B PF 1999 UJL (LVL)

01.01.2000. 01.01.1999.

* 31.03.2000. 31.12.1999.

Ghjwtynyst lj[jls 949>675 3>134>708

Ghjwtynyst hfc[jls !534>512@ !1>087>609@

Ytnnj ghjwtynyst lj[jls 415>163 2>047>099

Lj[jls jn lbdbltyljd 3>790 13>520

Rjvbccbjyyst lj[jls 646>121 2>332>267

Rjvbccbjyyst hfc[jls !151>187@ !646>974@

Ytnnj rjvbccbjyyst lj[jls 494>934 1>685>293

Ytnnj ghb,skm#!e,snrb@ jn jgthfwbq c wtyysvb ,evfufvb b byjcnhfyyjq dfk/njq 336>600 995>957

Ghjxbt jgthfwbjyyst lj[jls 7>063 26>706

Lj[jls jn jcyjdyjq ltzntkmyjcnb 1>257>550 4>768>575

Flvbybcnhfnbdyst hfc[jls !378>427@ !1>391>436@

Fvjhnbpfwbz !91>354@ !317>898@

Ghjxbt jgthfwbjyyst hfc[jls !1>125@ !4>674@

Hfc[jls yf yfrjgktybz lkz cjvybntkmys[ ljkujd !20>691@ !3>766>682@

Lj[jls jn evtymitybz yfrjgktybq 3>581 186>794

Dytjxthtlyst lj[jls 235

Ghb,skm#!e,snrb@ lj hfcxtnf yfkjujd 769>769 !525>321@

Yfkjub 4>857 !50>162@

Ghb,skm#!e,snrb@ jnxtnyjuj ujlf 764>912 !575>483@

Ghtlctlfntkm Cjdtnf Fktrcfylh <fhuvfybc

Ukfdysq ,e[ufknth Pfyt Rehptvybtwt

* Jnxtn j ghb,skb b e,snrf[ pf gthdsq rdfhnfk 2000 ujlf yt felbnbhjdfy.

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A I Z K R A U K L E S B A N K A • G H B K J : T Y B Z

37

<FKFYC B DYT<FKFYCJDST J<ZPFNTKMCNDF YF 30 VFHNF 2000 B 31 LTRF<HZ 1999 UJLF !LVL@

Frnbds * 31.03.2000. 31.12.1999.

Ltyt;yst chtlcndf b nht,jdfybz r <fyre Kfndbb 4>787>484 5>914>723

Nht,jdfybz r rhtlbnysv exht;ltybzv 18>967>966 26>583>813

Nht,jdfybz lj djcnht,jdfybz 12>994>187 12>367>375

Ghjxbt nht,jdfybz 5>973>779 14>216>438

Rhtlbns 12>012>484 9>440>495

J,kbufwbb b ghjxbt ljkujdst wtyyst ,evfub c abrcbhjdfyysv lj[jljv 19>921>329 17>756>982

Frwbb b ghjxbt wtyyst ,evfub c ytabrcbhjdfyysv lj[jljv 1>604>311 1>132>078

Exfcnbt d rfgbnfkt fccjwbbhjdfyys[ ghtlghbznbq 93>834 93>834

Exfcnbt d rfgbnfkt ljxthyb[ ghtlghbznbq - -

Ytvfnthbfkmyst frnbds 120 160

Jcyjdyst chtlcndf 2>548>505 2>631>863

Ghjxbt frnbds 177>742 225>128

Hfc[jls ,eleob[ gthbjljd b yfrjgktyyst lj[jls 1>149>935 1>375>732

Dctuj frnbds 61>263>710 65>154>808

Frnbds d eghfdktybb 155>956 229>933

Dctuj frnbds b frnbds d eghfdktybb 61>419>666 65>384>741

Gfccbds

J,zpfntkmcndf gthtl rhtlbnysvb exht;ltybzvb 8>092>081 6>209>073

J,zpfntkmcndf lj djcnht,jdfybz 6>304>692 5>705>244

Chjxyst b ghjxbt j,zpfntkmcndf 1>787>389 503>829

Drkfls 46>623>302 53>814>330

Drkfls lj djcnht,jdfybz 34>569>901 43>728>257

Chjxyst drkfls 12>053>401 10>086>073

Ghjxbt j,zpfntkmcndf 952>417 263>211

Lj[jls ,eleob[ gthbjljd b yfrjgktyyst hfc[jls 230>856 257>883

Yfrjgktybz lkz j,zpfntkmcnd b gkfnt;tq 38>584 48>753

Rfgbnfk b htpthds 5>326>470 4>561>558

Jgkfxtyysq jcyjdyjq rfgbnfk 5>000>000 5>000>000

Rjvbccbjyyfz yfwtyrf frwbq 254>676 254>676

Htpthdysq rfgbnfk b ghjxbt htpthds 1>001>790 1>001>790

Ythfcghtltktyyfz ghb,skm#!e,snrb@ ghtlsleob[ ktn !1>694>908@ !1>119>425@

Ythfcghtltktyyst !e,snrb@ jnxtnyjuj ujlf 764>912 !575>483@

Dctuj gfccbds 61>263>710 65>154>808

Gfccbds d eghfdktybb 155>956 229>933

Dctuj gfccbds b gfccbds d eghfdktybb 61>419>666 65>384>741

Dyt,fkfycjdst j,zpfntkmcndf

Djpvj;yst j,zpfntkmcndf 1>087>971 1>675>497

J,zpfntkmcndf gthtl rkbtynfvb 1>775>355 1>966>633

Jgthfwbb gj j,vtye dfk/ns> ytnnj 90>156 210>721

Ghtlctlfntkm Cjdtnf Fktrcfylh <fhuvfybc

Ukfdysq ,e[ufknth Pfyt Rehptvybtwt

* <fkfyc b dyt,fkfycjdst j,zpfntkmcndf yf 31 vfhnf 2000 ujlf yt felbnbhjdfys.

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38

CNHERNEHF <FYRFYF 27 VFHNF 2000 UJLF ¡

CNHERNEHF NTHHBNJHBFKMYJQ CNHERNEHYJQ TLTYBWS F#J `FQPRHFERKTC <FYRF` – HB:CRJUJ ABKBFKF

Eghfdktybtabyfycjds[

hsyrjd

Jnltklbkbyujds[jgthfwbq

Jnltkajyljds[jgthfwbq

Jnltk ,tpjgfcyjcnb

Hb;crbqabkbfkEghfdktybt

byajhvfwbjyys[nt[yjkjubq

Jnltk j,cke;bdfybz

cbcntvs ,fyrjdcrb[jgthfwbq

Jnltk j,cke;bdfybzcbcntvs SWIFT

Jnltk j,cke;bdfybz

cbcntvs hfcxtnys[rfhn

Jgthfwbjyyjteghfdktybt

Jnltk extnfrjhhtcgjyltyncrb[

cxtnjd

Jnltkgkfnt;tq

Jnltk rjynhjkzjgthfwbq yf

abyfcjds[ hsyrf[

Jnltk dyenhtyytuj

extnf

Ghfdktybt

Rhtlbnysq rjvbntn

Rjvbntn rjynhjkz hbcrjd

Flvbybcnhf-nbdyjt

b ?hblbxtcrjteghfdktybt

?hblbxtcrbq�jnltk

Jnltk gthcjyfkf

Fh[bd

Rfywtkzhbz

{jpzqcndtyysqjnltk

Eghfdktybtvt;leyfhjlys[

jnyjitybq

Jnltk j,cke;bdfybz

Rkbtynjd

Jnltk jnrhsnbzcxtnjd

Jnltk abyfycjds[bycnbnewbq

Jnltk eghfdktybzb fyfkbpf

hbcrjd

Jnltkvfhrtnbyuf

Jnltk hfpdbnbz,fyrjdcrb[

eckeu bnt[yjkjubq

Fqprhferktc-crbq abkbfk

Trf,gbkccrbqabkbfk

Cj,hfybtfrwbjythjd

Jnltk dyenhtyytujfelbnf

Cjdtn

Lbhtrwbz Hb;crjuj abkbfkf

Jnltk rhtlbnys[ jgthfwbq

Jnltk rfccjds[ jgthfwbq

Jnltk j,cke;bdfybz Rkbtynjd Jnltk j[hfys b byrfccfwbb Hfcxtnysq wtynh `Bvfynf`

Wtynh bgjntxyjuj rhtlbnjdfybz

* D cjjndtncndbb c bpvtytybzvb> endth;ltyysvb yf cj,hfybb frwbjythjd 27 vfhnf 2000 ujlf.

A I Z K R A U K L E S B A N K A • G H B K J : T Y B Z

Page 41: ablv AR 1999 ru · 2014-09-03 ·  rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq rjynhjkm pf abyfycj-djq ltzntkmyjcnm/  lf/n djpvj;yjcnm gkfybhjdfybz

A I Z K R A U K L E S B A N K A • G H B K J : T Y B Z

39

GHFDKTYBT <FYRFYF 27 VFHNF 2000 UJLF¡

CJDTN <FYRF

"hytcn <thybc Ghtlctlfntkm Cjdtnf

Zybc Rhbuthc Pfvtcnbntkm ghtlctlfntkz Cjdtnf

Dkflbvbh Renjdjq Pfvtcnbntkm ghtlctlfntkz Cjdtnf

GHFDKTYBT <FYRF

Fktrcfylh <thuvfybc Ghtlctlfntkm Ghfdktybz

Jktu Abkm Pfvtcnbntkm ghtlctlfntkz Ghfdktybz

Gfdtk Iytthcjy Xkty Ghfdktybz

Fktrcfylh Gf;t Xkty Ghfdktybz

Pfyt Rehptvybtwt Xkty Ghfdktybz

Fqdfh Hfecrf Xkty Ghfdktybz

Vfhbc Rfyytybtrcc Rfylblfn d xktys Ghfdktybz

HERJDJLBNTKB EGHFDKTYBQ

Jktu Abkm Herjdjlbntkm Eghfdktybz abyfycjds[ hsyrjd

Herjdjlbntkm Eghfdktybz byajhvfwbjyys[ nt[yjkjubq

Pfyt Rehptvybtwt Herjdjlbntkm Jgthfwbjyyjuj eghfdktybz

Fktrcfylh Gf;t Herjdjlbntkm Flvbybcnhfnbdyjuj b ?hblbxtcrjuj eghfdktybz

"hytcn <thybc Herjdjlbntkm Eghfdktybz vt;leyfhjlys[ jnyjitybq

HERJDJLBNTKB ABKBFKJD

Gfdtk Iytthcjy Lbhtrnjh Hb;crjuj abkbfkf

Ybyf Fepbyz Lbhtrnjh Fqprhferktccrjuj abkbfkf

Dbrnjh Rhfcnbymi Lbhtrnjh Trf,gbkccrjuj abkbfkf

* D cjjndtncndbb c bpvtytybzvb> endth;ltyysvb yf cj,hfybb frwbjythjd 27 vfhnf 2000 ujlf.

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Fqprhferktccrbq abkbfk

Trf,gbkccrbq abkbfk

Hb;crbq abkbfk

Fqprhferktc <fyrf

ek.Crjkfc> 8> Fqprhferkt> Kfndbz> LV-5100

ek.Hbufc> 115> Trf,gbkc> Kfndbz> LV-5202

ek."kbpf,tntc> 23> Hbuf> Kfndbz> LV-1010

ek."kbpf,tntc> 23> Hbuf> Kfndbz> LV-1010

Ntk.% }371 7015600> 7686444

Ntk.% }371 7015600> 7686444

Ntk% }371 51 22523> 51 23290

Afrc% } 371 52 23269 Ntk% }371 52 21073

Afrc% }371 7015601& S.W.I.F.T.: AIZK LV 22

Afrc% }371 7015601

Reuter Dealing AIZX; Reuter Source: AIZB

T-mail% [email protected]; www.aizkraukles.comNtktrc% 161171 AIZKR LV; Sprint mail: AIZKR.BANK/DUNSOFT

Afrc% }371 51 81322