,

,
.
10 2005 2008 .
.


I.1.
2005 2008 ( ) 333
1,1 54% - . / 1/
1. ,
/2005 - 2008 /

2005
2006
2007
2008

333,005
417,697
691,903

(%)

236,839
310,238
227,810

25.4%
65.6%
70.9%

1,182,526

470,773

54.0%

(%)

31.0%
-26.6%
106.7%
37.0%

* 5- .

2005 ( ) 237 470

37%- 2007 2006 26,6% .
17%- .

I.2.
(POS point of sale),
(point of banking), (automatic teller machine) .
/ 2/
2.
/2005 - 2008 /

2005

2006

2007

2008

/2007-2008/

1,154

2,191

2,852

6,358

122.9%

81.0%

38
35

156
85

848
125

2,176
346

156.6%
176.8%

303.6%
122.2%

1,227

2,432

3,825

8,880

168.9%


. 2005 2008
1,154-6,358 , 81.0%, 38-2,176
, 303.6%, 35-346 ,
122.2% - .
1.
/2005 -2008 /

,
2006 2007
, . / 1/

I.3. , , ,

.
3. ,
/2005 -2008 /

(%)

2005

2006

2007

(%)

41,177,674,724.57

663,234.00

II

116,103,951,220.32

1,475,797.00

157,281,625,944.89

2,139,031.00

215,543,611,058.01

2,571,955.00

II

407,735,909,744.68

2,231,941.00

623,279,520,802.69

459,245,951,697.56

2,492,635.00

II

211,856,330,315.33

1,015,786.00

671,102,282,012.89

296%

8%

4,803,896.00

3,508,421.00

125%

-27%

2008

245,058,756,464.92

1,046,648.00

II

53,178,128,352.34

717,085.00

298,236,884,817.26

-56%

1,763,733.00

-50%

437,475,078,394.43

83%

3,053,770.25

16%

2005 2008

2005 2006 157,2

623,2 296% 2007 671,1
8%- . 2007 2008 298,2 56% . 2005 2008 437,4
83%- .
2005 2,1
2006 4,8 , 2 . 2007 3,5
27%- , 2008 1,7 50% - . 2005
2008 16%- .
2005 2008 ,
. / 2/
2. ,
/2005 -2008 /

2005 2006 , ,
2007 , 2008 2008
. 2008 , 2007
2008
.

 4. ,
/2005 - 2008 /

2005

2006

2007

2008

6,125,425,836.00

67,910.66

II

6,471,524,212.20

68,499.10

12,596,950,048.20

136,409.76

12,848,222,635.80

124,670.36

II

19,554,762,575.41

161,027.38

32,402,985,211.21

25,464,313,080.07

171,108.00

II

184,505,081,142.57

1,364,403.00

209,969,394,222.64

212,255,214,133.80

1,827,732.00

II

250,466,563,727.69

2,241,305.00

462,721,777,861.49

120%

4,069,037.00

165%

179,422,776,835.88

275%

1,506,663.88

237%

/2005 2008 /

(%)

157%

548%

285,697.74

1,535,511.00

(%)

109%

437%

2005 2006 12,6

32,4 157%- 2007 209,9
6,47 . 2005 2007 850
3,7 .
2005 136,4
2006 285,7 2,1 . 2007 1,5
5,4 . 2008 4,1 2,6 ,
165 %- .
3. ,
/2005 - 2008 /

 3-
2005 2007 2007
. 2008 ,
.
5. ,
/2005 -2008 /

2005

2006

2007

2008

5,289,737,994.20

99,839.00

II

30,302,593,830.70

530,573.00

35,592,331,824.90

630,412.00

36,874,900,363.20

599,705.00

II

46,030,934,050.29

835,558.00

82,905,834,413.49

58,337,113,474.90

1,097,335.00

II

114,324,742,086.60

2,342,690.00

172,661,855,561.50

321,643,895,076.00

3,871,362.00

II

170,694,096,110.00

5,275,048.00

492,337,991,186.00

185%

9,146,410.00

166%

195,874,503,246.47

142%

3,663,027.50

144%

/2005 2008 /

(%)

133%

108%

1,435,263.00

3,440,025.00

(%)

128%

140%

2005 2006 35,6

83,0 133%-
2007 172,6 108%-, 2007 2008 172,6
492,3 2,85%- . 2005 2008
196 142%- .
2005 0,6
2006 1,4 128%-, 2007 3,4 140%-
. 2008 9,1 2,6 .
144%- .

 4. ,
/2005 - 2008 /

4-
2005 2007 2007
, 2008 9,1 .
6. , ,
,
/2005 - 2008 /
-
/

2005

157.3

2.1

12.6

0.1

35.6

0.6

205.5

2.9

2006

623.3

4.8

32.4

0.3

82.9

1.4

738.6

6.5

2007

671.1

3.5

210.0

1.5

172.7

3.4

1053.7

8.5

2008

298.2

1.8

462.7

4.1

492.3

9.1

1253.3

15.0

1749.9

12.2

717.7

6.0

783.5

14.7

3251.1

32.9

82.8%

16.0%

275.2%

237.3%

142.1%

144.4%

107.0%

77.0%

()

2005 2006 466,00

2,7 2006 2007 47,82 , 1,3
. 2007 2008 372,9 1,7
. 2005 157,3 2,1 2008 298,2
1,8 1,89 , 0,3
. 2005 2008 73,5
169,0 95,5 .

2005 2006 19,80 0,2 ,

2006 2007 177,6 1,2 , 2007 2008 252,7
2,6 . 2005 12,6
0,1 2008 462,7 4,1
36,72 , 4,0 .
2005 2008 92,3 113,7 21,4
.
2005 2006 47,31 0,8 ,
2006 2007 89,75 2 , 2007 2008 319,67
5,71 . 2005 35,6
0,6 2008 492,3 9,1
13,83 , 8,51 .
2005 2008 56,4 53,8 2,6
.
, , 2005 2008 ,
1749,9 12,2 ,
717,7 6,00 , 783,5 14,7
.
.
,
. 2007 ,

, .
,

.

I.4.
21 .
, ,
.
7. ,
, ,
/2008 /

( )

306,105

()
(%)

195,726

1,242

1,537

238

3,566,484

1,558,777

12,555

3,218

591

8.58

12.56

9.89

47.76

40.27

8,58%-, 12,56%- .
9,89%,
47,76%, 40,27%- .
8.
, ,
,
/2008 /

/
/

( )

()

(%)

/ /

3.58

0.10

130.43

0.04

80.06

0.04

1,749.90

12.22

717.69

6.03

783.50

14.65

0.20

0.81

18.17

0.66

10.22

0.27

, ,
, -0,2%, 18.17%, -10.22%- .
-0.81%, -0.66%, -0.27%- .

 5,9
, , 24 29
, 90
15,25 . 2,1
77.8% - . / 9/.
, - 4 0,17%, , 15
0,63%, - 49 2,07%, 63 2,66%,
2,037 86.09% - .
2,366 329
- 13,90% .
9. ,
- /, 2008 /


/

29,417.75

1.08

0.17

35,271.30

1.30

0.17

16,554.87

0.61

0.21

59,417.75

2.18

0.25

33,034.00

1.21

0.30

15,061.12

0.55

0.34

25,484.42

0.94

0.34

7,511.14

0.28

0.38

17,767.36

0.65

0.38

10

22,080.45

0.81

11

0.46

11

5,928.16

0.22

13

0.55

12

24,030.98

0.88

13

0.55

13

19,455.19

0.72

15

0.63

14

33,542.54

1.23

15

0.63

15

14,444.10

0.53

16

0.68

16

21,306.58

0.78

16

0.68

17

47,603.04

1.75

18

0.76

18

17,477.18

0.64

19

0.80

19

32,591.99

1.20

21

0.89

20

34,206.41

1.26

49

2.07

21

90,014.88

3.31

63

2.66

22

2,117,986.84

77.86

2,037

86.09

2,720,188.04

10

2,366

I.5. ( , )
,

.
3 2008 II
5,5 35, 4 .
,
,
.
10.
/2008 II /

2,467,848.00

4,770,912.00

598,956.00

1,052,448.00

3,105,618.00

3,784,384.00

73,498,836.00

4,118,532.00

ATM -
.

ATM

360,000.00

13,461,010.00

ATM-

2,552,540.00
262,900.00
285,800.00
238,800.00
310,750.00

24,990.00
30,000.00
260,000.00
150,000.00
180,000.00

/ /

112,6

112,6
104,7 92,9 % - , 7,9 7,1% -

11

 . , ,
, ,
.
, ,
, , 24
,
, ,
.

I.6. ,
, 2
6,000.00 10,000.00
, 1,000- 10,000 .
40,00 .
(ATM) 0- 0.5% - .

28- 300 .
0.3- 10%- ,
0.3- 0,5%-
.
1 ,
3 5 ,
.
, ,

,
.

12

II.


, ,
,

.
, :
54%, 37%- . 2007 ,

. :
-
,
- ,
,
- ,
,
- .
:
. 303,6% 122.2%, 81.0% -
, ,
.
, , , :

,
2006 , ,
2007 .

, .
: 8,58%,
12,59% .
9,89%,
47,76%, 40,27% .
, , ,
, ,
.

13

 ,
,
,

.

,
, .
:
, ,
, ,

,
, ,

14