2013.12.31 Монгол банкны 2013 оны жилийн тайлан, Монгол Банк

182
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Transcript of 2013.12.31 Монгол банкны 2013 оны жилийн тайлан, Монгол Банк

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  • 17 2013

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  • 18 2013

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  • 32 2013

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  • 41 2013

    . 2013 12 31- 19%- 1659.34 0.25%, 0.24%, 0.26% . 2013 60 0.2%- . 5 .

    2.4

    () ()- 5, 21 , . .

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    - . 2013 , , , 0-1 , 0-3 . - 0-3 , .

    -2013

  • 42 2013

    2013 - - , 12 - , 28%- .

    , 2013 . 22%- . , , . - .

    2013 2,248 . 45.5%- 1,887.8 . . 12 ( 30).

    2013 12 , 4.3 17.3 ;

    3 , 4.3 17.3 ;

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    30:

    -

    2

    4

    6

    8

    10

    12

    -

    500

    1,000

    1,500

    2,000

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    3,000

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    10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12

    2009 2010 2011 2012 2013

    ( )

    .

    ( , )

    (12 )

    :

    -2013

  • 43 2013

    2013 , , 6 . 7.4 - 328.4 . .

    - , , , 16.7 . 51.1 . , - 34.3 . .

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    , , , , .

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    , , , ()- 11 .

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    10: 2010-2013 , ( , )

    2010 2011 2012 2013

    I 693.8 2.2 798.0 3.7 914.9 5.7 3846.3 9.0 (%) 38.2 25.8 15.1 68.2 14.6 53.8 320.4 57.9II 908.9 3.0 1077.5 5.4 1249.4 7.5 4 664.1 13.3 (%) 27.0 69.6 18.5 80.0 16.0 38.5 273.3 77.3III 801.9 3.4 903.6 6.0 1018.5 8.4 4 524.5 16.1 (%) 28.1 74.2 12.7 73.5 12.7 40.2 344.2 91.7

    -2013

  • 44 2013

    IV 983.1 4.7 1139.3 8.3 3954.9 9.0 4 780.1 17.5 (%) 22.8 86.2 15.9 76.6 247.1 8.4 20.9 94.4 3387.7 13.2 3919.3 23.4 7137.8 30.6 17 815.0 55.9 (%) 28.1 66.5 15.7 77.3 82.1 30.7 149.6 82.7

    :

    , 2010 28.1%-, 66.5%- , 2011 15.7% 77.3%, 2012 82.1% 30.7%, 2013 149.6% 82.7%- .

    , 2010 2013 55.9 17.8 .

    31: 2010-2013 ,

    0.7 0.9 0.8 1.0 0.8 1.1 0.9 1.1 0.9 1.2 1.0

    4.0 3.8 4.7

    4.5

    4.8 2.2 3 3.4

    4.7 3.7 5.4 6.0

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    5.7 7.5 8.4

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    16.1 17.5

    2010 2011 2012 2013

    ,

    ,

    I I I III II II IIIII III III IIIIV IV IV IV

    :

    ()- , . - .

    11:

    2011 2012 2013 (%) 2 169 838 2 855 378 3 456 440 1 098 072 21.1

    440 177 1 123 041 1 343 284 306 779 19.6 2011 2012 2013 (%)

    5624 7210 9535 2011 32.2 2354 2384 2765 1696 16.0 634 915 1032 244 12.8

    373 316 314 - -

    -2013

  • 45 2013

    , 2011 2012 2013 (%)

    . 5.9 10.3 13.6 1.2 32.0

    . 448.8 735.1 738.7 24.9 0.5

    . 2.2 1.7 1.4 0.4 -17.6

    . 515.5 557.0 422.5 67.8 -24.1

    . 36.7 57.4 57.0 10.8 -0.7

    . 2603.8 3993.2 4647.5 854.7 16.4

    . 44.8 69.5 72.0 12.4 3.6

    . 3568.1 5305.3 5808.7 947.4 9.5

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  • 46 2013

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    -2013

  • 47 2013

    3.1 ()

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    7 3 4 4

    - , 2013 3 - 7 , , . 2013 12 31- - 2 92%- 7 , 8%- 7 - 2012 - 62%, 2011 56%- ( 32).

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  • 48 2013

    . . :

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    2013 24.9 90% , 9% , , 1% , 5 .

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    IV V VI

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    2012 2013

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    2010 2011 2012 2013

    25

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  • 49 2013

    3.3 ()

    -

    2012 10 , , , - . 2013 63 2.6 , ( 35).

    , . , 12.88%- 12 - 9.1% .

    , , .

    35: 2013 - ,

    0

    150

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  • 50 2013

    - , .

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    . , , , . 75

    -2013

  • 51 2013

    , 13 6.04 378.1 2.7 81.8%- . 2013 7.4 , 328.4 . .

    36: ( , -)

    3345

    6042

    0

    1000

    2000

    3000

    4000

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    2012 2013

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    ,

    1 12 23 34 45 56 67 78 89 910 1011 1112 12

    :

    Coin Invest Trust , , John F Kennedy , , , , .

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  • 52 2013

    , ,

    Coin Invest Trust 4,249.25 ., 6,195.90 . . : Krause Publications- (Coin of the year), (Best silver coin of the year) , Krause Publications- (most popular coin), 6 Water Mark Publishing House - 3 . 2014 .

    -2013

  • 53 2013

    , , . , , , , , .

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    , (FPS)

    , : 2013 , , , . - , , - , 2012 11 16- 2013 7 15- . - , 87 , .

    11,446.1 1025.1 , 1016.1 , 100 . 5.45 , 7 . 9405 , 7 100% .

    2012 10 2013 7 2 . 2013 7 5 2.5 , 2.2 , 3.4 ( 37).

    6 , - 2012 57 , 2013 , 2012-2016 .

    4 ,

  • 54 2013

    37:

    28.3%

    25.3%23.3%

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    10.8%

    0%

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    38:

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    2000-2010 2012 20132000-2010

    1 2 3 4 5 6 7 8 9 10 11 12

    :

    2013 10.5%- 2012 4.2 , 2010-2012 3.3 .

    2014 , , 2013 11-12 61.6 , 15.4 , 77 . 2014 . . 2014 2013 4 13.2 94.3%- .

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  • 55 2013

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    , 71 174.7 , (, )- 55 125.4 , 301.6 . - 2013 , 1,520,000 , 179,198 . 490,000 (32%), 161,605 (90%) .

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  • 56 2013

    O - .

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    2013 6 17- . 2013 16,750 474.5 , 8%- . 12,803 739.1 .

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    62 68 168 213 176 160 108 132 102 81

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  • 57 2013

    , , .

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  • 58 2013

    - - KB Energy - , 2013 10 1- 4 .

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  • 59 2013

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  • 60 2013

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    201120122013

    1 5 93 7 112 6 104 8 12

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  • 61 2013

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  • 62 2013

  • 63 2013

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  • 64 2013

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  • 65 2013

    ; , ; , ; . , , .

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  • 66 2013

    1267, 1373 , , - .

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  • 67 2013

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  • 68 2013

    5.6

    2013 . , , , 500- 1000- , 5000- 20000- - , .

    2013 12 31- 842.2 16.2 1.9%- . 23.2 7.9%- . 1-, 5-,10- 20- .

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    2012 12- 31 2013 12- 31

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    1 1 26 0.0% 26,437 9.0% 29 0.0% 29,264 9.3%2 5 12 0.0% 23,481 8.0% 131 0.0% 26,237 8.3%3 10 527 0.1% 52,729 18.0% 571 0.1% 57,064 18.1%4 20 736 0.1% 36,804 12.6% 880 0.1% 43,999 13.9%5 50 1676 0.2% 33,516 11.5% 1,843 0.2% 36,858 11.7%6 100 3375 0.4% 33,753 11.5% 3,745 0.4% 37,447 11.9%7 200 68 0.0% 338 0.1% 34 0.0% 169 0.1%8 500 5200 0.6% 10,400 3.6% 5,661 0.7% 11,321 3.6%9 1000 13,727 1.7% 13,727 4.7% 14,263 1.7% 14,262 4.5%10 5000 64,394 7.8% 12,878 4.4% 53,975 6.4% 10,794 3.4%11 10000 234,702 28.4% 23,470 8.0% 207,230 24.6% 20,723 6.6%12 20000 501,525 60.7% 25,076 8.6% 553,908 65.8% 27,695 8.8%

    826,074 100.0% 292,615 100.0% 842,269 100.0% 315,840 100%

    :

    13: , ,

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    ( )

    2009 630.5 111,489 761.4 117,774 2010 827.9 131,954 862.5 123,713 2011 1246.4 181,258 1310.6 170,460 2012 1564.2 213,305 1663.4 198,521 2013 1601.6 216,394 1728.7 202,035

    6694.0 993,650 7293.0 963,774

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  • 69 2013

    225.2 , 38.5 .

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  • 70 2013

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  • 71 2013

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  • 72 2013

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  • 77

    2013 12 31- _____________________________________________________________________________________

    2013 2012

    3 132,717 59,349 4 (255,387) (104,773) (122,670) (45,424)

    , / () 5 (66,805) 20,753 / () 6 21,278 (23,694) (14,381) (10,267) 10 (6,529) (453) 8 4,205 3,297 ()/ 7 23,508 (88,616) 9 (89,678) (36,990) (251,072) (181,394)

    : - /() 425 (837)- (135) 453

    290 (384) 290 (384)

    : 4,263 -

    4,263 -

    4,553 (384)

    (246,519) (181,778)

    .

    2013 12 31

    2013

  • 78

    2013 12 31-

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    2012

    11 63,691 28,317 ,

    12 1,951,095 3,272,979

    -

    13 953,530 142,553

    14 1,529,215 2,123,953 15 287,169 439,669 16 - 159,210 ,

    17 405,896 -

    18 2,787,461 202,488 19 208,227 7,421 20 28,446 26,631 8,214,730 6,403,221

    841,129 828,450 21 1,627,017 752,151 ,

    22 1,710,024 2,959,686

    , 23 2,497,197 1,371,671 24 1,774,807 576,414 25 158,707 62,481 8,608,881 6,550,853

    26 5,000 5,000 (424,209) (302,685) 27 25,058 150,053 (394,151) (147,632)

    8,214,730 6,403,221

    X .

    2013 12 31

    2013

  • 79

    2013 12 31-

    c

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    2012 01 01- 5,000 (91,799) 120,945 34,146

    (181,394) (384) (181,778) 27 - (29,492) 29,492 -

    2012 12 31- 5,000 (302,685) 150,053 (147,632)

    (251,072) 4,553 (246,519) 27 - 129,548 (129,548) -

    2013 12 31- 5,000 (424,209) 25,058 (394,151)

    .

    2013 12 31

    2013

  • 80 2013

    2013 12 31-

    2013 2012

    (251,072) (181,394) : ()/ 5 23,021 (15,291) ()/ 6 264,438 (14,201) 31 67,214 399 6,664 - 9 3,618 - (56) -x

    9 - 17,895

    9, 20 151 8 9, 20 2,038 1,800 - 88,616 3,000 2,000

    135 453

    3 (132,717) (59,349)X 4 255,387 104,773 241,821 (54,291) : ()/ 129,479 (156,293) ()/ 594,738 (1,353,135) ,

    - 155

    , (405,896) - (2,566,817) (59,614) - (1,320) ()/ (198,023) 523 : /() 884,812 (138,009) , /

    () (1,315,175) 1,810,983

    , 1,125,525 356,441 13,921 297 /( )

    (1,495,615) 405,737

    2013 12 31

  • 81 2013

    2013 12 31- ()

    2013 2012

    118,384 53,406 (261,116) (92,493) /()

    (1,638,347) 366,650

    20 (3,951) (2,574) 66 138 (2,953,721) (137,970)

    2,153,898 203,371

    149,931 -

    (653,777) 62,965

    12,679 115,099 (222,920) - 1,235,512 471,002 1,025,271 586,101

    (19,808) (3,350)

    , /() (1,286,661) 1,012,366

    , 3,300,601 2,288,235

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    .

    2013 12 31

  • 82 2013

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  • 83 2013

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  • 84 2013

    2.2 ()

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    2013 12 31

  • 85 2013

    2.2 ()

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    . 1,654.10 1,392.10 2,555.93 2,145.90 2,275.63 1,835.83 272.88 223.39

    2013 12 31

  • 86 2013

    2.3 ()

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  • 87 2013

    2.3 ()

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  • 88 2013

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  • 89 2013

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  • 90 2013

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  • 91 2013

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  • 92 2013

    2.3 ()

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    ('')- . , . . . ' ' ' ' .

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    ( , ) - .

    . , , , .

    2013 12 31

  • 93 2013

    2.3 ()

    ()

    . . ( ) . .

    31- .

    . " "- " " .

    , , , .

    (i)

    ( , , , )- (), ( ) . ( , ) . , , .

    2013 12 31

  • 94 2013

    2.3 ()

    (i) ()

    ( ) . , . . - . , . , . .

    , . . , .

    , , , , .

    , . , .

    , , .

    2013 12 31

  • 95 2013

    2.3 ()

    (ii)

    , .

    . , ( ) . . - . .

    , .

    ( )- . , .

    , , , . .

    2013 12 31

  • 96 2013

    2.3 ()

    -

    , ( ).

    ,

    .

    . :

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    , , " , " , ( , ) .

    ( : ) . , . .

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    , . .

    2013 12 31

  • 97 2013

    2.3 ()

    ,

    , . 11- . . .

    . . . , , -. . , , . ( 15- ).

    . . - .

    ( , , ) , .

    2013 12 31

  • 98 2013

    2.3 ()

    , .

    . . . . .

    . . . .

    , , .

    25-60 , 8-10 , 5-10 6-8

    , , , , .

    . ( ), .

    2013 12 31

  • 99 2013

    2.3 ()

    , . .

    . .

    . . . .

    .

    , , 3

    .

    . . ( ) . . , . .

    2013 12 31

  • 100 2013

    2.3 ()

    ()

    ( )- .

    . . , . ( ) . ( ) .

    (i)

    . .

    (ii)

    , , . , .

    ( ) , . .

    2013 12 31

  • 101 2013

    2.3 ()

    . 26- .

    /, () /, ( ) . 27- . , , () / .

    2.4

    , . , . :

    31,612 (2012: 26,261 )- . 24,064 (2012: 20,433 )- . 0.75 1 , . . . , . .

    . . .

    2013 12 31

  • 102 2013

    2.4 ()

    , . . 31- .

    . . . , . 100 .

    , . , . , , .

    2013 12 31

  • 103 2013

    2.4 ()

    18- 2012 11 . , . x , .

    0.5 4 .

    , .

    . :

    ;

    ;

    . , ;

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    .

    . .

    2013 12 31

  • 104 2013

    2.4 ()

    ()-

    ()- - . . :

    - ,

    - - ,

    - .

    - - . - , . :

    - ;

    - ;

    - ;

    - , , , .

    - . - - . - .

    2013 12 31- . ( ) ..

    2013 12 31

  • 105 2013

    2.4 ()

    . 2013 12 31- . .

    , , .

    25-60 . .

    2013 12 31

  • 106 2013

    3.

    2013 2012

    114,582 20,022 6,741 17,279 - 15,753 ,

    7,706 3,489

    - 3,012 1,157 676 1,649

    132,717 59,349

    4.

    2013 2012

    109,243 84,351 55,127 10,042 80,247 9,778 10,769 602

    255,387 104,773

    5. , /()

    2013 2012

    (36,980) 3,604 (23,021) 15,291 (6,804) 1,858

    (66,805) 20,753

    6. /()

    2013 2012

    /() (264,438) 30,225 /() 293,963 (38,839) (8,247) (15,080)

    21,278 (23,694)

    2013 12 31

  • 107 2013

    7. ()/

    2013 2012

    ( 19) 5,244 (51) ( 18) 11,860 (88,565) ( 16) 6,404 -

    23,508 (88,616)

    8.

    2013 2012

    3,452 2,452 601 502 152 343

    4,205 3,297

    9.

    2013 2012

    9,983 7,788 16,484 3,274 /

    ( 20) 2,038 1,800

    5,564 4,66234,069 17,524

    50,000 - 3,618 - 151 8 1,840 1,563

    - 17,89555,609 19,466

    89,678 36,990

    2013 12 31

  • 108 2013

    10.

    2013 2012

    (6,664) - /

    () 135 (453)

    (6,529) (453)

    11.

    2013 2012

    63,691 28,317 ,

    ( 12) 1,592,170 2,789,889 247,620 387,748 110,459 94,647

    2,013,940 3,300,601

    .

    12.

    2013 2012

    1,592,170 2,789,889 247,620 387,748 110,459 94,647 738 604 , 104 87 4 4

    1,951,095 3,272,979

    ., , , - , 92 (2012 90 ), .

    .

    2013 12 31

  • 109 2013

    12. , ()

    397,703 738 (2012 604 ) . 25- .

    - . 2013 12 31- 43.2 (2012 44.1 ) .

    . ( 24- ) .

    , . . . , , 29- .

    13. -

    2013 2012

    - 494,187 -- 290,149 - 166,110 139,469 - , 3,084 3,084

    953,530 142,553

    2013 12 31- 0.3 . (527 )- , 100.1 . (165,583 )- . - - .

    2013 12 31

  • 110 2013

    13. - ()

    ()

    - .

    - .

    ,

    , , . . .

    2012 2013 12 31- .

    14.

    2013 2012c c

    - 503,177 2,031,631 1,026,038 92,322

    1,529,215 2,123,953

    -

    - . 100,000 . - ( ) . 2013 12 31- 304.2 . (503,177 )- . , 0.17 .

    2013 12 31

  • 111 2013

    14. ()

    , ( 21) . , 12.5 , .

    15. ,

    2013 2012c c

    251,440 271,909 305 42

    , 30,127 115,472, 5,297 52,246

    287,169 439,669

    16.

    2013 2012

    ( ) - 165,614 : - (6,404)

    - 159,210

    2013 .

    2013 2012

    01 01- 6,404 6,404 ( 7) (6,404) -12 31- - 6,404

    2013 12 31

  • 112 2013

    17. ,

    2013 2012

    405,000 - 896 -

    405,896 -

    , 365 , 4 7 . 2013 .

    18.

    2013 2012

    2,770,573 188,360 77,630 89,490 16,888 14,128

    2,865,091 291,978 : (77,630) (89,490)

    2,787,461 202,488

    2012 11 2,770,573 (, , ) , . . x , ( ) .

    0.5 4 .

    2008 12 12- . , - .

    2013 12 31

  • 113 2013

    18. ()

    147.9 . 6 . 7 9.75 . 90 , . 186.3 . 2008 12 12- .

    , 2009 7 28- 6 12 . 2009 2010 2011 . 2010 2011 .

    2012 12.5 , 2013 11.8 .

    2010 2012 12 31- . , . 2012 100 . ( 7- )

    - ()- 1,103 (2012 1,406 ) () 5,225 (2012 500 ) .

    - , , , . 10 . .

    2013 12 31

  • 114 2013

    18. ()

    - 9,846 (2012 5,435 ) , , 701 (2012 623 ) .

    , . 1.25 - 1.75 . 3 - . . , . 22- .

    , -- () 14 .

    2013 .

    2013 2012

    01 01- 89,490 925 - 89,490 (11,860) (925)12 31- 77,630 89,490

    2012 2013 12 31- , .

    2013 12 31

  • 115 2013

    18. ()

    .

    .

    19.

    2013 2012

    204,912 - 44,821 43,896 14,461 12,169 ( 30) 2,803 834 : (59,282) (56,065)

    124 6,438 617 368 : (229) (219)

    208,227 7,421

    119.9 85 . 119.9 2023 9 30- 85 2014 12 25- .

    31,358 (2012 26,632 )- . . 2012 2013 12 31- .

    2013 12 31

  • 116 2013

    19. ()

    ()

    2005-2007 23- , , , . , - 2003 02 26- 99 .

    .

    , , .

    2012 2013 :

    2013 2012

    01 01- 56,065 56,154 8,461 (140) - 218 (5,244) (167)12 31- 59,282 56,065

    .

    2013 12 31

  • 117 2013

    20.

    ,

    2012

    01

    01

    -

    23

    ,804

    533

    8,04

    832

    ,385

    2,26

    834

    ,653

    81

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    22,

    466

    108

    2,57

    4

    --

    (152

    )(1

    52)

    -(1

    52)

    --

    (472

    )(4

    72)

    -(4

    72)

    499

    (499

    )-

    --

    -

    2012

    12

    31

    -

    25

    ,117

    349,

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    34,2

    272,

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    36,6

    03

    2012

    01

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    354

    -4,

    213

    7,56

    71,

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    8,65

    0

    38

    9-

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    0

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    )(4

    64)

    -(4

    64)

    2012

    12

    31

    -

    3,

    743

    -4,

    875

    8,61

    81,

    354

    9,97

    2

    2012

    12

    31

    -

    21,3

    7434

    4,20

    125

    ,609

    1,02

    226

    ,631

    2013 12 31

  • 118 2013

    20.

    (

    )

    ,

    2013

    01

    01

    -

    25

    ,117

    349,

    076

    34,2

    272,

    376

    36,6

    03

    1,

    414

    725

    1,81

    23,

    951

    -3,

    951

    --

    (1,6

    04)

    (1,6

    04)

    (75)

    (1,6

    79)

    --

    (411

    )(4

    11)

    -(4

    11)

    25,6

    49-

    -25

    ,649

    -25

    ,649

    (5,4

    48)

    --

    (5,4

    48)

    -(5

    ,448

    )

    2013

    12

    31

    -

    46

    ,732

    759

    8,87

    356

    ,364

    2,30

    158

    ,665

    2013

    01

    01

    -

    3,

    743

    -4,

    875

    8,61

    81,

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    9,97

    2

    54

    5-

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    91,

    774

    264

    2,03

    8

    20

    ,138

    --

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    38-

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    38

    --

    (1,5

    94)

    (1,5

    94)

    (75)

    (1,6

    69)

    --

    (260

    )(2

    60)

    -(2

    60)

    2013

    12

    31

    -

    24

    ,426

    -4,

    250

    28,6

    761,

    543

    30,2

    19

    2013

    12

    31

    -

    22,3

    0675

    94,

    623

    27,6

    8875

    828

    ,446

    2013 12 31

  • 119 2013

    20. ()

    5 . 2013 12 31- .

    2013 12 31- 15,684 (2012 14,899 )- .

    2,504 (2012 1,641 )- 24 - .

    21.

    2013 2012

    1,627,017 752,151

    . 7-28 2013 12 31- 10.50-10.88 (2012 : 13.25-17.25 ) . , .

    22.

    2013 2012

    (restated) - () 16,015 13,443 - A (A) 8,049 6,990 - () 7,548 6,187 , 1,678,412 2,933,065

    1,710,024 2,959,686

    .

    2013 12 31

  • 120 2013

    22. ()

    ( ) ( ) . .

    - 1995 2003 . 0.75 , 30 . 2005 2012 .

    - , , , , . 1 (2012 : 1 ) 27- 30 .

    - . - .

    - . , , . 18- . 2- .

    1 3 .

    , 33- .

    2013 12 31

  • 121 2013

    23. ,

    2013 2012

    : - 1,748,766 842,958 - 711,641 528,713 36,790 -

    2,497,197 1,371,671

    . .

    8.5 .

    24.

    2013 2012

    HSBC- 238 389

    1,649,346 470,788

    ("") No.1 287 272 No.2 7 6 () 124,620 104,628

    104 87- 34 34 160 210- 11 -

    1,774,807 576,414

    HSBC-

    HSBC 10 . 2005 HSBC 1.75 . 20- .

    2013 12 31

  • 122 2013

    24. ()

    6 . 200 - (SHIBOR) .

    - - . - - - . ( 12- ). 124,620 (2012 104,628 ) 48,757 (2012 48.757 )- .

    ()- .

    25.

    2013 2012

    16,388 2,000

    10,395 7,030 ( 30) 70,017 1,233 7,850 6,545

    9,525 9,209 44,532 36,464

    158,707 62,481

    . . 2012 12 31- (2012 12 31-: ).

    2013 12 31

  • 123 2013

    25. ()

    . , , , . 2012 2013 12 31- .

    2014 . 30- .

    , .

    2008 . 2008 , . 2009 ( ) . 2012 2013 .

    , . . . .

    2013 12 31

  • 124 2013

    26.

    2013 2012

    5,000 5,000

    100 . .

    ()- 40 , ( 60%) . 40 . . . 2012 2013 .

    27.

    .

    2013 .

    , .

    .

    2013 12 31

  • 125 2013

    27.

    (

    )

    2012

    2013

    .

    2012

    01

    01

    -

    42

    7,78

    892

    ,326

    20,7

    8912

    0,94

    5

    (8

    37)

    --

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    37)

    45

    3-

    --

    453

    --

    14,2

    0115

    ,291

    29,4

    92

    2012

    12

    31

    -

    (3

    42)

    7,78

    810

    6,52

    736

    ,080

    150,

    053

    2013

    01

    01

    -

    (3

    42)

    7,78

    810

    6,52

    736

    ,080

    150,

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    425

    --

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    5

    (1

    35)

    --

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    35)

    -

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    27)

    (23,

    021)

    (129

    ,548

    )

    -4,

    263

    --

    4,26

    3

    2013

    12

    31

    -

    (5

    2)12

    ,051

    -13

    ,059

    25,0

    58

    2013 12 31

  • 126 2013

    28.

    , . , .

    2013 2012

    11,677 -

    (279,320) (61,856)

    (545,760) (89,356)

    (813,403) (151,212)

    . . () 2,594 .

    . . , - 44,532 (2012 36,464 ) , 25- .

    2013 12 31- , . . .

    2013 12 31

  • 127 2013

    28. ()

    2011 5 / - . , .

    () , , . . , - .

    , . 3 - 6 . 10 , - 2 . , . , 200 - () . , .

    3.9 2013 12 31- 6 1,637,280 . (2012: 2.1 , 469,119 ). 2 545,760 (2012: 0.4 89,356 ) 2013 12 31- .

    25- , 2013 12 31- , . .

    2013 12 31

  • 128 2013

    29.

    . , . . . .

    (, , ), , . . , . , , , - . , , , , , .

    . , .

    . , , , .

    . , , .

    . , . , , , , , .

    2013 12 31

  • 129 2013

    29. ()

    ()

    - , . . , , , , , , . , , , .

    . . , . .

    . ("") , , . , , , .

    , . :

    - ;

    - ;

    - ;

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    , . , . , , .

    2013 12 31

  • 130 2013

    29. ()

    ()

    . , , , , .

    ,

    , , , , ()- . , , , , ; ; , , - .

    . . 2013 , . . . , , , .

    . , , . . , .

    2013 12 31

  • 131 2013

    29. ()

    , , . . . , . , .

    ( ) . .

    ( ) . - . () .

    . :

    1. ;

    2. ;

    3. , () ;

    4. , ;

    5. ;

    6. .

    . .

    2013 12 31

  • 132 2013

    29. ()

    ()

    . , , .

    .

    , , . . , . .

    2013 12 31

  • 133 2013

    29.

    (

    )

    .

    .

    ,

    -

    2013

    12

    31

    -

    A

    AA

    AA

    AB

    ,

    1,51

    8,16

    832

    1,86

    715

    -4

    -1,

    840,

    054

    92

    2,69

    29,

    814

    1,68

    6-

    19,3

    38-

    953,

    530

    50

    3,17

    7-

    -68

    2,46

    134

    3,57

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    1,52

    9,21

    5

    -

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    0,34

    222

    5,55

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    405,

    896

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    468,

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    1,31

    9,42

    677

    ,630

    2,86

    5,09

    1

    31

    2,22

    7-

    -20

    5,49

    359

    ,282

    267,

    033

    2,94

    4,06

    833

    3,90

    81,

    701

    2,33

    0,83

    82,

    113,

    392

    136,

    912

    7,86

    0,81

    9

    2013 12 31

  • 134 2013

    29.

    (

    )

    20

    12

    1

    2

    31-

    AA

    AA

    AA

    B

    ,

    2,6

    62,8

    11

    514

    ,910

    5

    6 -

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    - 3

    ,177

    ,781

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    37

    1,4

    70

    26,

    346

    142

    ,553

    2

    ,031

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    -

    - 6

    2,95

    9 2

    9,36

    3 -

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    23,9

    52

    -

    - -

    159

    ,210

    -

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    04

    165

    ,614

    ,

    -

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    09,9

    61

    92,

    527

    89,

    490

    291

    ,978

    -

    836

    -

    - -

    56,

    065

    56,

    901

    4,8

    09,1

    78

    517

    ,216

    5

    6 3

    32,1

    30

    148

    ,240

    1

    51,9

    59

    5,9

    58,7

    79

    (

    )

    .

    .

    2013 12 31

  • 135 2013

    29. ()

    ()

    28- ( ) . . . . ( 28- ). .

    . 18- . . ( 28- ).

    . , . . . .

    . :

    - ;

    - , .

    2013 12 31

  • 136 2013

    29. ()

    ()

    . - .

    2012 2013 12 31- .

    2013. 2,772,425 (1,184,119) 1,107,134 2,695,440 4,414,883 (4,281,298) (929,257) (795,673) 213,169 (2,848,227) (245,091) (2,880,149) 209,787 (33,461) - 188,003 110,459 (132,669) - (22,210) 175,113 (5,034) - 170,080

    7,895,836 (8,484,808) (67,214) (644,509)

    2012. 4,929,204 (2,699,439) (229,440) 2,000,325 448,020 (3,143,102) 229,041 (2,466,041) 44,301 (475,012) - (430,711) 295,929 (69,909) - 226,020 94,647 (111,549) - (16,902) 114,224 (4,936) - 109,288

    5,926,325 6,503,947 (399) (578,021)

    - , . .

    2013 12 31

  • 137 2013

    29. ()

    ()

    2013 2013 2012 2012

    . 15% 404,316 5% 100,016(15%) (404,316) (5%) (100,016)

    15% (432,022) 5% (21,536)(15%) 432,022 (5%) 21,536

    15% 26,449 5% 11,301(15%) (26,449) (5%) (11,301)

    15% (3,331) 5% (845)(15%) 3,331 (5%) 845

    15% 25,512 5% 5,464(15%) (25,512) (5%) (5,464)

    () - .

    . .

    . , . . (investment horizon) . 1 , (1 ), 5%- , .

    2013 12 31

  • 138 2013

    29.

    (

    )

    .

    ,

    ,

    :

    1

    1

    6

    6

    12

    12

    2013

    7,89

    8,63

    83,

    871,

    839

    1,92

    6,55

    650

    0,88

    298

    7,81

    961

    1,54

    2

    (8

    ,554

    ,825

    )(6

    ,699

    ,647

    )(1

    ,699

    ,778

    )(7

    78)

    (29,

    476)

    (125

    ,146

    )

    (6

    56,1

    87)

    (2,8

    27,8

    08)

    226,

    778

    500,

    104

    958,

    343

    486,

    396

    2012

    5,93

    0,33

    44,

    926,

    610

    50,0

    0023

    8,43

    830

    1,44

    241

    9,84

    4

    (6

    ,505

    ,180

    )(2

    ,616

    ,574

    )(6

    94,9

    04)

    -(1

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    80)

    (3,0

    78,6

    22)

    (5

    74,8

    46)

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    4,03

    6(6

    44,9

    04)

    238,

    438

    186,

    362

    (2,6

    58,7

    78)

    2013 12 31

  • 139 2013

    29. ()

    : ( 12), - , HSBC ( 25). , .

    2013 12 31- 100 (16,517)100 16,517

    2012 12 31- 200 (9,382)200 9,382

    x () , (x) .

    2013 12 31

  • 140 2013

    29.

    (

    )

    . 2

    013

    12

    31

    -

    .

    2013

    63,6

    91-

    --

    63,6

    91

    ,

    -

    1,63

    9,72

    611

    0,45

    920

    0,91

    01,

    951,

    095

    -

    490

    950,

    446

    -2,

    594

    953,

    530

    1,

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    --

    1,52

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    5

    -

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    --

    ,

    405,

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    --

    -40

    5,89

    6

    2,78

    7,46

    1-

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    7,46

    1

    207,

    715

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  • 141 2013

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    2013 12 31

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  • 145 2013

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