ablv ar 1999 ru · 2014-09-03 · rjvfylysq le[ b cgjcj,yjcnm herjdjlcndf j,tcgtxbnm gjkyjwtyysq...
TRANSCRIPT
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
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
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.
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
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.
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
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.
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
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.
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
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.
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
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
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
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
16
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
17
<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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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
ghjwtynyst lj[jls cjplf/ncz yfxbyfz c vjvtynf ghtrhfotybz hfcxtnf.
l@ Yfrjgktybz lkz jgkfns jngecrjd hf,jnybrjdYfrjgktybz lkz jgkfns jngecrjd hf,jnybrfv> hfccxbnsdf/ncz cevvbhez
rjkbxtcndj jngecrys[ lytq> ytbcgjkmpjdfyys[ hf,jnybrfvb <fyrf> b
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
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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
Htcge,kbrb gjlj[jlysq yfkju c ghtlghbznbq hfccxbnsdftncz d hfpvtht
25% jn j,kfuftvs[ yfkjujv lj[jljd> gjkextyys[ d cjjndtncnde/otv
yfkjujdjv gthbjlt.
Jnkj;tyyst yfkjub> djpybribt d htpekmnfnt rhfnrjchjxys[ dhtvtyys[
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-
cjds[ jnxtnf[ bkb yfkjujds[ ltrkfhfwbz[. Jnkj;tyyst yfkjujdst j,zpf-
ntkmcndf jghtltkz/ncz bcgjkmpez yfkjujdst cnfdrb> rjnjhst ghtlecvjnhtyj
ghbvtybnm d vjvtyn bcxtpyjdtybz dsitegjvzyens[ rhfnrjchjxys[
dhtvtyys[ hfpkbxbq. Ukfdyst rhfnrjchjxyst dhtvtyyst hfpkbxbz djpyb-
rf/n d htpekmnfnt bcgjkmpjdfybz d abyfycjdjv extnt b hfcxtnt yfkjujds[
j,zpfntkmcnd hfpkbxys[ yjhv fvjhnbpfwbb jcyjdys[ chtlcnd> f nfr;t d
htpekmnfnt gthtytctybz yfkjujds[ e,snrjd yf ,eleobt gthbjls.
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
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.
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
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
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%
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.
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.
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
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
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.
<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% -
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
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.
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.
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.
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.
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
36
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.
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.
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
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.
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