ტაო პრივატ ბანკის აფერა

skandali! miSas sayvarel aWaraSi nebismieri qveynis prezidentisTvis TavismomWreli skaldaluri faqti moxda, romlis damalva nacionalurma xelisuflebam mxolod erTi wliT SeZlo. am Temaze, romelsac `qronikis~ mkiTxveli pirvelad waikiTxavs, ukve aWrelda evropis ramdenime qveynis gavleniani gamocemebis gverdebi. skandali, romelic agvistos omis dros momxdar sabanko winaswar dagegmil aferas ukavSirdeba da romelic evropulma arasamTavrobo seqtorma ukve aRiara omis periodSi momxdar yvelaze cud faqtad, xolo masalebi saswrafo wesiT  miiRo evrosasamarTlom. metic, am Temis gamo saerTaSoriso savaluto organizacia saqarTvelos wevrad yofna-aryofnis sakiTxs ixilavs.

 Tavad banki, romlis gamoc saqarTvelo saerTaSoriso doneze sul cota uxerxul mdgomareobaSi Cavarda, dumilis uflebas iyenebs da movlenebis ganviTarebas elodeba. movlenebi ki ase daiwyo: baTumSi Sps `investgrupkompanim~, romelis 70%-s germaneli investori flobs Semoitana nayinis qarxana. germanelebma TavianTi qonebis gankargva qarTvel partniors andes, romelmac Tavis mxriv bankidan kreditis gamotanis sanacvlod giraod, baTumSi prestiJul ubanSi mdebare, milionnaxevrad Sefasebuli saxli Cado. gaurkvevloba nayinis qarxnis SemotanisTanave daiwyo. saqme isaa rom germaneli mxaris qarTveli partniori nacionalur xelisuflebas TvalSi ar mosdioda da mxolod ganbaJebaSi 79 aTasi dolari gadaaxdevines. saakaSvili ki amtkicebs rom damwyeb mewarmeebs xelisufleba xels uwyobs, magram faqtia da ukve dadasturebuli, rom `investgrupkompanis~ kuTvnil gadasaxadze gacilebiT meti gadaaxdevines, rac mogvianebiT saxelmwifom aRiara kidec da 50 aTasi lari daubruna firmas. am fonze sawarmoSi midis `taoprivatbankis~ oficeri da maT sTavazobs sesxs. irkveva rom firmas brunva jer kidev ara aqvs, amitom oficeri axal variants – ipoTekur sesxs sTavazobs firmas. formdeba xelSekruleba. firmis direqtori bankSi debs baTumis yvelaze prestijul ubanSi mdebare milionnaxevar dolarad Sefasebul sakuTar saxls da bankisgan sesxad iRebs 90 aTas dolars. bankma momsaxureobis Tanxa daqviTa. mxarem sarezervod bankSi datova 450 dolari, 88 650 ki gamoitana. amasTanave firmis xelmZRvanelma qeTevan dadianma bankSi waradgina xelfasis cnoba, sadac miTiTebuli iyo rom mas qonda 5000 lari xelfasi, Tumca aravis gaurkvevia iRebda Tu ara am Tanxas dadiani realurad (garkveva arc iyo principSi saWiro, banks saxli qonda garantiad) da kidev erTi, banks ratomRac SeeSala (Semdeg oficialuri dokumentiT aRiares) da dadians zedmetad dauqviTa 450 dolari. `investgrupkompanim~ amoqmedeba ver moaswro, agvistos omma sawarmos muSaobaSi xeli SeuSala. miuxedavad forsmaJorisa dadianma omis periodSi SeZlo bankSi dawesebuli Tanxis Setana. Seferxeba moxda seqtemberSi. 7-is is nacvlad dadainma 15 seqtembers Seitana fuli. ZiriTad Tanxas daaklda is Tanxa romelic dadians sesxis gamotanis dros zedmetad dauqviTes. es fuli ukve dabrunebuli qonda banks dadianisTvis da angarSidan avtomaturad unda CamoeWra, Tumca es ar moxda da dagvianebuli gadasaxadis gamo kreditors zedmeti procentebi da jarimebi daaweres. bunebrivia `investgrupkompanim~ `taoprivatbankis~ es qmedeba gaaprotesta. bankma Secdoma aRiara, magram jarimebi dadians ar Camoawera. mokled, fulma ibartya da miuxedavad imisa rom grafikiT dadgenili 65 aTasis nacvlad dadians bankisTvis dabrunebuli aqvs 80 aTasamde dolari, igi mainc problemur gadamxdelad daasaxeles. metic, `taoprivatbankma~ usafrTxoebis samsaxuri CarTo saqmeSi. verc germaneli investori da verc qarTuli mxare karga xans ver gaerkvnen ratom CaerTo saqmeSi bankis usafrTxoebis samsaxuri, roca dadiani aravis gaufrTxilebia Tanxis dagvianebis gamo. igi Turme problemuri gadamxdeli rom yofila SemTxveviT gaigo. `qronikasTan~ saubrisas advokati paata imnaZe acxadebs:

_ servis centrs amowmebs bankis usafrTxoebis samsaxuri. es maT kompetenciaSi ar Sedioda. aSkarad Cans rom cdilobdnen rogorme gaemwarebinaT qalbatoni dadiani. erTxelac usafrTxoebis samsaxuri Cadis baTumSi, daurekes qalbaton dadians, Sexvdnen, Caisves manqanaSi da saqmis garCeva dauwyes. rogorc Semdeg aRmoCnda es `saqmis gamrCevi~ yofila usafrTxoebis departamentis ufrosi andro gociriZe da kidev erTi TanamSromeli.

_ Tqven ki ambobT rom midioda saqmis garCeva, magram banki Tu Tavis Tanxas iTxovs es ar unda movnaTloT saqmis garCevad.

_ dadians es ori piri Sexvda ara bankSi, aramed quCaSi. es erTi, meore, Caisves manqanaSi da iq dauwyes saubari. sruli am sityvis mniSvnelobiT geubnebiT – oficialuri pirebi kerZo pirs ibareben da saqmes urCeven, Tqven araswori dokumentaciiT gaqvT gamotanili krediti, daabruneT es krediti droze, Torem saxls gagiyidiT. aseve iyo laparaki rom dadians gadaexada 9 aTasi dolari.

_ bankisTvis?

_ rogorc vici unda gadaexada imisaTvis rom yvelaferi mogvarebuliyo. amis Semdeg Cveulebrivad grZeldeba kreditis davalianebis gadaxda, 2400 lari yovelTviurad Sedis bankSi, magram seqtemberSi Cavardna rom iyo, iman wamoiRo procenti. maSin 230 dolari xom darCa, banki am Tanxas dReSi 1,5% aricxavs, es Zalian did procentze avida. dResac Tanxa rom Sedis bankSi dagrovil procentze da sauravebze midis mTlianad. procenti ar SeaCeres. omis dros Sevida bankSi Tanxa, omis dros sawarmos Seuferxda saqmianoba. 10 dRe araa iseTi vada gangaSi gamoecxadebina banks, miTumetes rom Tavad maT qondaT dasabrunebeli dadianisTvis fuli.

_ gamodis bankis mxridan aferas aqvs adgili?

_ Tanmimdevrulad mivyveT movlenebs. eseni Cadian baTumSi, qalbaton dadianTan aqvT garCevebi, TbilisSi dabrunebis Semdeg ki usafrTxoebis samsaxuri ukve oficialurad wers dadians, Tu ar dafaravT sesxs, maSin moxdeba Tqveni qonebis gayidva. saxli naxevar milionze meti Rirs, krediti 90 aTasi dolaria, Tavad banks saxli 160 aTasad aqvs Sefasebuli, ase rom problema rom Tanxa gadauxdeli darCeboda ar arsebobs. aseT fonze bankisgan iseTi zomebis miReba rasac isini dRemde akeTeben, gasakviria, Tumca gasagebi – maT undaT rogorRac xelSi Caigdon dadianis qoneba – saxli, romelic baTumSi prestiJul adgilas dgas da Tan rac SeiZleba meti procenti waarTvans. vali ar daifara mTlianad, magram banki saxls ar yidis. procenti Sedis da banki arafers ambobs. arc xelSekrulebas wyveten.

_ anu gamodis banks aqcenti gadatanili aqvs naxevarmilionian qonebaze da 60 Tu 90 aTasad unda saxli Caigdos xelSi?

_ ki, asea. jerjerobiT am mimarTulebiT mivdivarT. 2400 dolari yovel TveSi Sedis da procentebi mainc ar swordeba, matulobs mainc. es Tanxa arc procents yofnis da arc sauravs.

_ aba ase es Tanxa milliards gauswrebs...

_ Cafiqrebuli ra aris iciT? es Tanxa miaRwevs niSnuls, rogorc saxli aqvT Sefasebuli da amis Semdeg gayidian. es araa mxolod varaudi, aba ras unda mivaweroT is rom daafiqsires mniSvnelovani ziani mogvadgao da gaCerdnen. metic, bankis usafrTxoebis samsaxuris warmomadgenlebi karga xans eZebdnen darRvevebs da rom ver aRmoaCines bolos yalb cnobad scnes dadianis saxelfaso monacemebi, sadac miTiTebulia rom mas aqvs 5000 lari xelfasi. imis dasadastureblad rom es iyo realoba ratomRac ver moxerxda dokumentaciis wardgena, ris safuZvelzedac daiwyo dadianis da kidev ori pirovnebis mimarT sisxlis samartlebrivi devna. ori adamiani dakavebulia, qalbatonma dadianma moaxerxa da germanias Seafara Tavi.

_ moicaT, vin daiwyo gamoZieba, bankma? ver gavige.

_ eh, kidev bevri ram gagakvirvebT. mokled, bankma moiZia dokumentebi da gadasca gamoZiebas. erovnuli bankis prezidentis brZaneba arsebobs, roca banks droulad ver ubruneben Tanxas, maSin unda moxdes misi darezerveba, anu gayinva. tao ambobs rom Cven ZiriTadi Tanxa ar Semogvivida da sarezervo Tanxa gavyineTo, Tumca es gaakeTes Tu ara ar viciT. mxolod erT-erTi TanamSromlis Cvenebaa sadac igi ambobs rom gayines Tanxa da ziani daudgaT 17 aTasamde dolari, garda am sauravebisa da procentisa. mokled, damatebiTi ziani mogvadga imitom rom yalbi saxelfaso cnoba warmogvidginao.

_ cnoba ras cvlis roca milioniani qoneba aqvs qals bankSi Cedebuli, davibeni raRac.

_ diax, isini amboben rom es yalbi cnoba rom ar yofiliyo, Cven kredits ar gavcemdiT da radgan miiRes krediti da es Tanxa droulad ar dagvibrunes dagvidga mniSvnelovani zianio. am mniSvnelovani zianiT mere isargebla prokuraturam da daiwyo gamoZieba ori muxliT – kreditis ukano miReba, yalbi sabuTebis gamoyeneba. aq saqme raSia iciT? banks ipoTekiT aqvs datvirTuli qoneba, is Tvalyurs adevnebs am qonebis moZraobas. eqmeba vTqvaT problema xo? mas Tavisuflad SeeZlo droulad daeyenebina realizaciaze es qoneba, magram raRacas ucdida, es raRaca iyo is mniSvnelovani ziani rac daudgaT Turme. anu yvelaferi gaTvili iyo imisaTvis rom dadiani rogorme daekavebinaT.

_ ram gaaRiziana ase taobanki?

_ ar vici, albaT imanac rom dadiani garigebaze ar wavida, arc misma meuRlem daixia ukan... mokled, Casafrdnen. saxli undaT Caigdon axla xelSi – ar gindodaT morigeba? wagarTmevT yvelafers. es aris amaTi mizani.

_ SeiZleba germaneli investorebic daakavon Tu asea?

_ amaTgan raa gasakviri. aq aseTi situaciac iyo, gamoZieba raRac momentSi SeaCeres, uceb ganaaxles da erT kviraSi gadawyda yvelas dakaveba. arc aravin daukiTxavT, arc dokumentacia SeumowmebiaT...

_ etyoba kargad imuSava bankis usafrTxoebis samsaxurma. ise kargad rom adeiSvilis da merabiSvilis uwyebas samuSao ar dautova.

_ diax, asea. qonebis gayidva axlac SeuZlia banks, magram... ratomRac am yvelafers usafrTxoebis samsaxuri kurirebs, sxva aravin Cans, arada minimum iuridiuli samsaxuri unda iyos warmomadgeneli. werilebs gavagzavni pasuxs usafrTxoebis samsaxuri maZlevs, baTumSi verafers meubnebian Tu TbilisSi ar kiTxaven usafrTxoebis samsaxurs.

Tavad usafrTxoebis samsaxuris xelmZRvaneli `qronikasTan~ saubars gaurbis. andro gociriZe ofisSi miuxedevad mravaljer misvlisa `xrustalis vazasaviT~ dagvimales, TiTqos davamsxvrevdiT. satelefono saubrisas ki mxolod ori winadadebiT Semoifargla:

_ iciT raSia saqme? banks yavs pressamsaxuri, Cemi TqvenTan Sexvedra ar iqneba uflebamosili. dadgenili wesiT CvenTan asea.

_ ra unda miTxras pres-samsaxurma, roca Tqven CasulxarT baTumSi, Tqven gagirCeviaT saqme dadianisTvis da Tqvenve sTxovdiT fuls. 9 aTasi ratom mosTxoveT?

_ q-no darejan, me qeTevan dadianTan aranairi Sexeba ara maqvs mimdinareobda ss saqme masTan mimarTebaSi ramdenadac vici.

_ diax da swored am sisxlis samarTlis saqmeSi xarT Tqven dasaxelebuli...

_ me axla komiteti mewyeba.

gociriZem yurmili dakida. arada principSi cota uxerxulad mainc unda egrZno Tavi bankis warmomadgenlebs, magram rogorc amboben, saakaSvils dadianis saxli erT-erTi vizitisas mowonebia, kargi adgilia aq da kargi sasturmoc aSendebao. roca miSas rame unda iq saqarTvelos prestiJi da saerTaSoriso savaluto organizacia ra mosatania? da kidev erTi, omis dros samaCablodan devnilebs yvelaze meti saCivari saxalxo damcvelis ofisSi swored `taobankis~ winaaRmdeg SeqondaT da Tavis droze sozar subarma amaze ara erTi gancxadeba gaakeTa. maSin devnilebi acxadebdnen rom bankis TanamSromlebi akiTxavdnen da falis saswrafod dabrunebas sTxovdnen, winaaRmdeg daWeriT emuqrebodnen, imdenad ramdenadac maT wasarTmevi saxl-kari aRar qondaT...