You are on page 1of 64

"

2012

" 2012

" 2012
" " .
: - , .
: ' - , .
: -" .
-" , .
- .
- , .
: 88
,2013


"



,
: 2012
87' " ,1967"
.2012" ,
, .

.
.
, 10- ,
.
,
. " .
6
.
2012 8%- .
,
.
, ,
, .
" .
, , ,
, .


"
" 2012

2012

13

19

20

26

30

31

34

38

40

42

46

47

53

57

61

" 2012

" 2012


2009 .
. -
, :
: ,
. : ,
. , , ,
.
, 1967 - .
, : .
. , ,
, . 1995
, , 1995 - .


, 1967- (
) , , , ( 50,000).
, .
.
. -
, -
.
.
Doing Business- 99 189
. ,
, .
,
. , , 10,000
,
, ,
.
(
).
25 .
, , , , , , , , , , ,
, , , , , , , , , , , ,
.
.2009
( )
. ( ) ,
10,000 ,
.

.
,
.
29 - . 29
.
29 .

,
.1995 , ,
.1995 . ,
, , .
.
.

, . 5,000

"

" 2012



,
,

" 2012

11


2012

" 2012

13

2102

. , .
. ,
. :
; .
10; .
;20% ,
.
10 ; .
. .
, , , .


2009
,29 . ,
10,000 ,
.
, ,
, , .
, , 10,000
. 2012
.


( )officer of the court
.
.
2010 ,
.
.
2012
, .
12,000 -
, , /
.

14

2012

2012 35 ,
, .
.
.


. 68
, ,
,
.

. ,
( ) , ,
.
/ .
28.05.2012 -
16 .
:2012
25,969 , 3,177 .
12%- .

2012
:
- 36 : .
- 37 .
- 38 :
( ,29 -)
29- 2012
,
.
- 41 .15.9.2016
- 42 :
. ,
; ,

. , ,
.
.
.
" 2012

15

, :
14 - 1.1.2013 -
, ( )10,000
. 2013 58
.
( ) , ,2012 -
.


2012
.
:2012

.

.

.
.
. .
. ,
.
.
.
, IVR
.


.
:
.
.
.
, 24 ,
.

16

2012

.BPM
- ( ,)SAP
.
1.2.2012 - .
( , , , ,
, , , ) ,
.
,2012 - . ,
, ( , , ,
) . .
.
2012 .
,
,
.
: , , ,,
, , , , ,
, , , ,
.
2013 .


29
.
.
2012 6 : ( ) , , , (
) , .


.

. .

" 2012

17


2012 :
.
.
.
.
.
,
.
.
13 (
: , , , ).
( 10,000 14 ).
.
:
( ) , ( ) ,
, , , , .

18

" 2012

19


2009-2012
4,000,000

3,555,611
2,770,765

2,773,416

2012

2011

3,500,000

3,027,802

3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000

2010

2009

,2012 2,770,765 .
.
, 29
. .2013


/
1,245,662

45%

/
28,446

1%

51,310

2%

86,683

3%


713,704

26%

2,770,765

20

644,960

23%


/
,
( -) ,
.


,
.
.

/
, .
,
, .
, ,
, .


.
, , ,
,
.


.


.
. ,

, .


,

,
50,000 ,
.

" 2012

21


2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992
1991
1990
1989
1988
1987

361,596
299,818
246,639
231,830


2,770,765

178,777
138,669
122,254
117,971
121,941
97,573
97,086
88,556
85,563
98,114
89,063
79,772
62,886
45,347
34,050
33,376
30,321
25,247
23,076
21,642
18,419
21,179

50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000

( ,
, ) ( 60,000-
.)1990 2012
.

22

363,962


898,308

13%

33%


866,575

31%

641,920


2,770,765

23%

:
.
: , , , , , , ,
, .
: , , , , ,
.
: , , , , , .


32%
12%

7%
6%
6%
4%
4%
3%
3%
3%
3%
2%
2%
2%
2%
1%
1%
1%
1%
0.6%
0.3%
0.2%
0.2%
0.2%

0.2%

.
32% .
" 2012

23

2012

6,105

237,224

1%

7,135

55%

2%

11,648

3%


54,599

13%

2012
427,969

/
111,258

26%

, .
82% 2012 .
- 2012 237,224 , 55%
.
- 2012 54,599 , 13%
.
/ - 2012 111,258 , 26%
. ,
.
- 2012 7,135 , 2%- .
, .
, .
/ - 2012 6,105 , 1%
. .
2012 11,648 , 3%
.

24

2009-2012
1,200,000

959,954

1,000,000

710,097
430,620

455,711

800,000
432,145

444,785

400,000

427,969
235,914
2012

600,000

2011

2010

2009

200,000
0

2010 700 - .

. ,
.

- 2009-2012
20,000

15,692

15,000

10,748
7,871
7,135
2012

6,905

6,935

2011

2010

6,996
5,041
2009

10,000
5,000
0

. 2009
.
.
( )
.
" 2012

25

2%

4%

60%

6%

6%

22%
322,936 , .2012

5%- .
.126
60% ( , ) 22% , .

26

70%
225,522

250,000
200,000
150,000

26%
82,615
0.1%
222

0.4%
1,298


1,000-


101-1,000

100,000
50,000

3.5%
13,279

11 -100


2-10


1,600,000
1,400,000
1,200,000

57%
%
1,549,261

1,000,000
800,000

1,000-

12%
327,612

13%
353,944


101-1,000


11 -100

10%
280,605

8%
225,522


2-10

600,000
400,000
200,000
0

0.1% 222 , , 57% . 70% ,


8% .

" 2012

27

0.3%

90.7%

9%

- , .
832,607 , .2012
91%- ( ).


11+
71,913

1
428,141

9%

51%

6-10
82,765

10%

2-5
249,788

30%

51%- , 19% - 6 .

28

2009-2012
19,030

13,854

88,665

87,832

724,956

751,041

870,056

2012

2011

2010

8,802
82,006

9,543
97,319

1,160,096

2009

100%
95%
90%
85%
80%
75%
70%
65%

60%

2012 88,665 87,832 ,2011 19,030


13,854 .2011
( 29 )
.
,
, .126
- 18,340 16,225 .
3,023 92%- .

6%

6%

94%

94%

,
2,135 . ( 13%- ) ,
100 - , 93% .
" 2012

29


.
( 30
21- ) .
.
,2012 393,657- , 36%- .2012
,
, .126

82%

4%

14%

- .
80%- ( )
. 14% ( .
) . 2012
.

30

2009-2012
5,075,223

5,471,910

5,671,127

2011

2010

6,000,000
5,000,000
4,000,000
2,039,850

3,000,000
2,000,000
1,000,000

2012

2009

29 , ,2009
. 2011 167% - ( 2009 ),
. 2102 5 - (
,)2010
.

2012

1,878,901


2,238,182

37%


118,428

2%

44%

839,712

17%

29 - , 54% -
.2012 ( 2011 15%
) , 2012
. .

" 2012

31

2009-2012
30,000
19,658 20,049 19,908 19,832

25,000
20,000
15,000

7,062 7,742 7,078

10,000

5,783

5,000


2012

2011

2010

2009

6%- .2012
.
( 30) .


66
29 , 66
.
2012 1,878,901 .

.
:
. , .
. , .
. .
. .
. .
. .

.
. :
. 30 .
. .
.
.
, .

32

2012
268,277
229,740

315,915
268,901

317,576
270,397

319,380
270,894

328 , 009
277,644

329,744
280,239

350,000
300,000
250,000
200,000

54,518

57,209

37,473

47,139

47,146

54,796

150,000

100,000
50,000
0

1,878,901 .2012
, (
) . , 2012 227,644
.47,139 17% .
,
.



2012 839,712 , .
59%- 14% ,
( )27% , .

2012

1%

59%

2%

5%

18%

1%

14%

" 2012

33


, .
, , .
: 2012 11,080 , 15% .2011
: 2012 6,251 , 18% .2011
: 2012 75,325 , 14%
.2011
: 2012 29,958 , 17% .2011
: 2012 415,839 , 3% .2011
: 2012 10,812 , 29% .2011
2012 1,500 2011 1,679 . 11% -
.
800 750 - , .

2009-2012
415,839

401,336

10,812

15,249

21,993

23,591

34

365,640

2012

296,506

2011

2010

2009

450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
0

2009-2012

, .
( ) .
,
.

( )
2012 118 , ,
, .
, ,
.
2012 68 . 4 29 -,
5 . , 12
.

" 2012

35

' 2009-2012
35,000,000

31,683,214
27,884,465

30,000,000
25,000,000

22,148,061

20,000,000
12,842,016

15,000,000
10,000,000
5,000,000

2011

2012

2009

2010

2012 29,884,465 ' . 11% .2011


' !

' 2012

1%

1%

5%

82%

6%

3%

2%



2012 34,873 . 24%
.2011
29
:
. .
. .

36

2009-2012

46,016

49,836

55,937

60,000
50,000
40,000

34,873

30,000
20,000
10,000
2012

2 011

2 010

2009


2012 8,579 , 55%- .2011
29 16.5.2011-
, .

2009-2012
180,000
143,185
111,804

76,257
49,666
8,579

19,446

6,096

11,730

140,000

120,204

78,298
85,797
36,426
17,740

160,000
120,000

98,549
36,899
24,946

100,000
80,000
60,000
40,000
20,000
0

( ) , 112%
( 2009 ).
2012 623.
" 2012

37


69 ,
[
( 12- ) ].
( , , )
,
, 76.
2012 18,936 . 7%- .2011
72,810 .
29 , ,
, .
2012 9% .
51,310 508,567 .

2009-2012

36,579

20,957

18,174
11,648

2012

12,849

2011

21,088
10,969

2010

10,050

2009

40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0

2012 .
.
. ( )
.

38


2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995

10,724
8,649
5,584
3,701
3,191
2,799
3,123
2,310
1,992
1,454
1,472
1,624
1,547
1,294
715
546
370
215
12,000

10,000

8,000

4,000

6,000

2,000

12% 10.

2009-2012
18,936

20,000

17,729
13,563

11,414

15,000
10,000
5,000

2012

2011

2010

2009

7% 2012 .2011

.
" 2012

39


1,606 19,432- .2012
2012
. 12,048 .

2009-2012
40,000
33,506
25,335

29,091

35,000
30,000
25,000

19,432

20,000
15,000
10,000
5,000
2011

2012

2009

2010

.
( 2009 ) 33,506 ,
2012 19,432 . ,
.

59

0.3%

73

0.4%

16,411

267

85%

1.3%
/
891


19,432

85% /.

40


1,731

9%

4%

1,027

5%

11,818

61%

6,587

34%

11,818 61% - , 6,587 -


34% .


4,500

4,134

4,000
3,500
3,000

2,656
1,976

2,500
1,698
1,340
1,107 1,140 1,230
886 1,097

2,000
1,500
677

757

1,000

711
23

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

500
0

" 2012

41


2009-2012
38,673

20,115
9,745
1,427
22011

2009

2010

45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0

2009-2012
38,083

22,862
15,862

19,293
11,049

5,043
22011

2010

3,290
369
2009

45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0

.1.08.2009 -
2012 38,083 22,862 .
2012 67% , 75% ,
.2011
2012 .69,236,632
. 1,818
.

42



1,089

3%

32,450

/
5,134

84%

13%


38,673

'

250,000

40,000

35,665

210,625

35,000

200,000

30,000

25,238

137,155

25,000

150,000

20,000

100,000

15,000

11,924

49,607

10,000
1,153
2012

2011

2010

2009

5,000

50,000
5,056

2012

2 010

22009

160

149

140
120

96

100
73

80
60
40
0

2012

2011

2010

2009

20
0

.
" 2012

43

.
, , ,
.
. 96 ( 2012 38,000-
).

2009-2012
35,000,000

32,136,244

30,000,000
23,558,840

25,000,000
20,000,000
15,000,000

11,280,000

10,000,000
2,257,000
2012

2011

2010

2012 36%- .2011


( 4,274,079").

44

2009

5,000,000
0


2012

43,508

10,925

29%

18%

196,250

82%

26,138

71%

71%

5%

3%

81%

16%

24%

- : , , , .10,000
- .
- , .
- .
.
24% ,2012 ,
.16% .

" 2012

45


2011 ,
"" , .
, , ,
, "" . 2011 9
. 2012 5
( 4 - )2011 14,000-
11,500- .2011
,
. 6-
.
, .
.

2012

46

(")

/
(")

27,500

6,000

3,700

13.5

14.5

2,000

12,000

3,000

770

29.7

34

3,000

1,500

300

130

0.9

400

32,500

6,200

3,100

13.5

17

5,500

23,000

2,500

1,450

4.2

5.2

2,750

96,500

18,000

9,150

62

72

13,650

" 2012

47

,
16/03/2012 - .
3,084 1,945 , 498 - (.)26%
1,365 . 1,735,606
.

2009-2012
1,199,926

1,110,022

2011

2012

1,328,284

2010

1,401,159

2009

1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
200,000
0

2012 .90,000-
( )2009- 1.4- ,
2012 1.1- .

2009-2012
800,000
525,908
396,693
347,838

2012

400,000
392,462

2011

48

440,045

471,198

600,000

362,062

378,441

2010

2009

200,000
0

, 350,000-
. 2012 .2011
.
2012
. 2011
.

11,026

1%


13,991

1%


789,261

14,207

1%

71%

28,321

3%


55,129


1,110,022

198,087

5%

18%

( )90%- (
,71% .)18%

2009-2012
,2012 , ( )3,274 .
17- .

(")


3,500

3,274
2,359

2,514

2011

2010

17,246 17,402

18 ,764

3,000
2,500
2,000
951

7 ,831

1,500
1,000
500

2012

2009

2012

2011

2010

2009

20,000
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0

" 2012

49

' 2009-2012
2012 ( )
( .)2011 25,000 2012 ( .)2011

'

'
1,200,000

1,068,571 1,072,135

1,000,000

24,809

30,000

25,849

25,000

19,999

800,000

20,000

600,000
339,674

279,104

15,000
9,951

400,000
200,000

2012

2011

2010

2009

5,000

2012

2011

2010

' (")
60,000
45,871

50,695

50,000
40,000

33,722

30,000
17,347

20,000
10,000

2012

50

2011

10,000

2010

2009

2009

2009-2012

140,818

138,365

2012

2011

(")
160,000

140,000

118,652 122,388

140,000

120,000

101,128

100,000

120,000

106,696

80,000

100,000

60,000 54,022

80,000
54,619

60,000

40,000

40,000

20,000

20,000
2010

2009

2012

2011

2010

2009

, , .

" 2012

51

52

" 2012

53


( )
( ).


.
: , , ( ).
,
.
2012 ( 1,305") 6% .
:
.
.
.
.
.

2012

1%

50%

4%

12%

33%

62% 2012 .

.
1%.

54

( ):
/ .
,2012 ( 36,719")
8% .
.
. 2012
, ,
.126
, .


2012 323 , 6% .
.2012- ,11%-
8%.
: 2012 ( 38,347")
8% 2011 362% ,2008 .

(")

2008

1,026

6,951

7,977

324

8,302

2009

1,015

13,248

14,262

316

14,578

76%

2010

1,094

26,590

27,684

322

28,006

92%

2011

1,227

34,075

35,302

344

35,646

26%

2012

1,305

36,719

38,024

323

38,347

8%

" 2012

55

(")
45,000
38,347

40,000

35,646

35,000
30,000

28,006

25,000
20,000

14,578

15,000
8,302

10,000
5,000

2012

56

2011

2010

2009

2008

" 2012

57


.
90 - 6 , 6- .
,16:00-08:00 .
8,000 - : , , .
( 2012 24).
:
.
.
.
.
.

( )IVR
2010

2011

2012

1,174,998

2,821,619

2,959,475

IVR-

222,258

757,743

966,108

IVR-

19%

27%

33%


2011

2012

63,997

103,683


( )

6,416

11,179

10%

11%

, ,
2012 17% ( 114,694 ).

58


2012

105,047

86,415

133,445

116,956

126,692

95,534

85%

93%

97%

95%

99%

98 %

99%

97%

98%

98%

100%

98%

98%

80%
60%
40%

124, 506

113, 735

104,682

123,016

119,030

140,367

20%


97%

95%

36,664

31,956

95%

98%

99%

99% 100% 98%

100%
94%

92%

81%

81%

80%
60%
40%

30,610

24,662

31 ,381

34,426

31,355

36,072

31,106

43,895

48,091

64 ,574

20%
0

95% .

" 2012

59


2012

400
340

350
300
250
200
146
130 130

136

122
69

78

123

125

121

126

124
53

29

19

29

123
34

124

123
48

150

40

100
34

50
0


350
291

300
204

187

166
53

161

158
107

169

163

160

167

165

171

157
88

74
26

17

24

99

152

250
200
150
100
50
0

.
.

.

60

" 2012

61


.
:




:
, .
, .
- , .
, , .

2012 21 :

.1

41%

.2

9%

.3

18%

.4

0%

.5

0%

.6

0%

.7

14%

.8

5%

.9

9%

.10

5%

*22

100%

"

* .

62

- )1(8

17%

- )2(8 7

0%

- )3(8

0%

(9)( - )1

0%

(9)( - )2

0%

(9)( - )3

67%

(9)( )4

17%

(9)( - )1

0%

(9)( - )2

0%

(9)( - )3

0%

(9)( - )4

0%

(9)( - )5

0%

(9)( - )6

0%

(9)( - )7

0%

(9)( - )8

0%

(9)( -)9

0%

(9)( -)10

0%

-14

0%

"

100%

15

47%

16 30-

13%

31 60-

13%

61 120-

27%

120

0%

"

15

100%
" 2012

63

:2012
1.1

.39110-12-12 :

1.2

: .

1.3

: .

1.4

.1 : .2 .

1.5

.23.12.2012 :

1.6

1.6.1



1.6.2


1.7

64

:
( ) .
.
: .

: .