{"id":28723,"date":"2023-08-15T10:46:51","date_gmt":"2023-08-15T06:46:51","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/imedismomcemi-gamarjveba-msoflio-chempionatis-cin-saqartvelos-kalatburtis-nakrebma-tbilisis-tasi-moigo\/"},"modified":"2026-01-27T18:37:47","modified_gmt":"2026-01-27T14:37:47","slug":"imedismomcemi-gamarjveba-msoflio-chempionatis-cin-saqartvelos-kalatburtis-nakrebma-tbilisis-tasi-moigo","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ar-gacherde\/kalatburti\/imedismomcemi-gamarjveba-msoflio-chempionatis-cin-saqartvelos-kalatburtis-nakrebma-tbilisis-tasi-moigo\/","title":{"rendered":"\u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d7\u10d0\u10e1\u10d8\u10e1 \u10ec\u10d8\u10dc: \u10e0\u10d0\u10e1 \u10d2\u10d5\u10d8\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e2\u10e0\u10d8\u10e3\u10db\u10e4\u10d8?"},"content":{"rendered":"\n<p 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\u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7 \u10e1\u10ee\u10d5\u10d0 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d4\u10d1\u10d6\u10d4\u10ea. \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10ec\u10d4\u10d5\u10e0\u10d8 \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10d3\u10d0 \u10e1\u10d0\u10d7\u10d0\u10db\u10d0\u10e8\u10dd \u10e4\u10dd\u10e0\u10db\u10d0\u10e8\u10d8\u10d0, \u10e0\u10d0\u10ea \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3 \u10d2\u10d0\u10e1\u10d0\u10ee\u10d0\u10e0\u10d8\u10d0.<\/p>\n\n\n\n<p>\u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10e8\u10d4\u10e2\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d1\u10e3\u10e0\u10d7\u10d8\u10e1 \u10db\u10dd\u10eb\u10e0\u10d0\u10dd\u10d1\u10d0\u10d6\u10d4 \u10d5\u10e1\u10d0\u10e3\u10d1\u10e0\u10dd\u10d1\u10d7, \u10d0\u10e0 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 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\u10ea\u10d8\u10dc\u10ea\u10d0\u10eb\u10d4, \u10e0\u10dd\u10db\u10d4\u10da\u10db\u10d0\u10ea \u10d8\u10dd\u10e0\u10d3\u10d0\u10dc\u10d8\u10d8\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10d0\u10e6\u10db\u10d3\u10d4\u10d2 \u10e1\u10d0\u10d7\u10d0\u10d3\u10d0\u10e0\u10d8\u10d2\u10dd \u10e1\u10d9\u10d0\u10db\u10d8\u10d3\u10d0\u10dc 8 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d8\u10d0\u10dc\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ea\u10d4\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d0 \u10e8\u10d4\u10eb\u10da\u10dd.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" data-id=\"18736\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-68-of-183-682x1024.jpg\" alt=\"\" class=\"wp-image-18736\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" data-id=\"18737\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-63-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18737\"\/><\/figure>\n<\/figure>\n\n\n\n<p>\u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d7\u10d0\u10e1\u10d6\u10d4, \u10db\u10d4\u10e2\u10dd\u10e5\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4, \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10e8\u10d8 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e0\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0, \u10d7\u10e3\u10db\u10ea\u10d0 \u10db\u10d4 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10db\u10dd\u10db\u10d4\u10ec\u10dd\u10dc\u10d0 \u10d8\u10da\u10d8\u10d0\u10e1 \u10d6\u10e3\u10e0\u10dd\u10e1\u10d8\u10e1 \u10e2\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10e0\u10d8 \u10db\u10d8\u10d2\u10dc\u10d4\u10d1\u10d0. \u10d1\u10d4\u10e0\u10eb\u10d4\u10dc\u10db\u10d0 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\u10e1\u10d0\u10d7\u10d0\u10d3\u10d0\u10e0\u10d8\u10d2\u10dd \u10e1\u10d9\u10d0\u10db\u10d8\u10d3\u10d0\u10dc \u10d0\u10e1\u10d4\u10d7\u10d8 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d9\u10da\u10d0\u10e1\u10d8\u10e1, \u10d4\u10e0\u10d7\u10db\u10d0\u10dc\u10d4\u10d7\u10e8\u10d8 \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10e8\u10d4\u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10e3\u10da\u10d8 \u10dd\u10e0\u10d8 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d8 \u10d4\u10e0\u10d7\u10d5\u10d4\u10d1\u10d0 \u10d7\u10d0\u10db\u10d0\u10e8\u10e8\u10d8, \u10d4\u10e1 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0\u10d8 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 \u10db\u10d4\u10dd\u10e0\u10d4 \u10ee\u10e3\u10d7\u10d4\u10e3\u10da\u10e1 \u10e3\u10d3\u10d8\u10d3\u10d4\u10e1 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0\u10e1 \u10e8\u10d4\u10e3\u10e5\u10db\u10dc\u10d8\u10e1.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-44-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18738\"\/><\/figure>\n\n\n\n<p>\u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0\u10e8\u10d8 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d8\u10d0, \u10e0\u10dd\u10db \u10e1\u10d0\u10db\u10d8 \u10d0\u10d1\u10e1\u10dd\u10da\u10e3\u10e2\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10e2\u10d8\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4 \u10d2\u10d0\u10db\u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10d4\u10da\u10d8 \u10d2\u10d5\u10e7\u10d0\u10d5\u10e1 &#8211; \u10de\u10d0\u10e1\u10d4\u10d1\u10d6\u10d4 \u10dd\u10e0\u10d8\u10d4\u10dc\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8, \u10d2\u10d0\u10db\u10dd\u10ea\u10d3\u10d8\u10da\u10d8 \u10d2\u10d8\u10dd\u10e0\u10d2\u10d8 \u10ea\u10d8\u10dc\u10ea\u10d0\u10eb\u10d4, 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\u10d2\u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10db\u10d8\u10e1\u10ea\u10d4\u10db\u10e1.<\/p>\n\n\n\n<p>\u10d7\u10d4\u10d3 \u10db\u10d0\u10d9\u10e4\u10d0\u10d3\u10d4\u10dc\u10d8\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8 \u10ea\u10d0\u10da\u10d9\u10d4 \u10d0\u10e6\u10dc\u10d8\u10e8\u10d5\u10dc\u10d8\u10e1 \u10e6\u10d8\u10e0\u10e1\u10d8\u10d0. \u10d0\u10db\u10d4\u10e0\u10d8\u10d9\u10d4\u10da\u10d8 \u10da\u10d4\u10d2\u10d8\u10dd\u10dc\u10d4\u10e0\u10d8\u10e1 \u10e1\u10d0\u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10dd \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10e8\u10d8 \u10d4\u10ed\u10d5\u10d8 \u10d0\u10e0\u10d0\u10d5\u10d8\u10e1 \u10d4\u10de\u10d0\u10e0\u10d4\u10d1\u10d0, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d1\u10dd\u10da\u10dd \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10e1\u10e0\u10dd\u10da\u10dd \u10e1\u10d4\u10da\u10d4\u10e5\u10ea\u10d8\u10d0 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\u10d0\u10d8\u10e1\u10d0\u10ee\u10d0.<\/p>\n\n\n\n<p>\u10d0\u10e1\u10d4\u10d5\u10d4 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d8 \u10d3\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10d8, \u10e0\u10dd\u10db \u10e1\u10d0\u10dc\u10d3\u10e0\u10dd \u10db\u10d0\u10db\u10e3\u10d9\u10d4\u10da\u10d0\u10e8\u10d5\u10d8\u10da\u10d8 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10d3\u10d0\u10dc \u10d7\u10d0\u10db\u10d0\u10e8\u10d0\u10db\u10d3\u10d4 \u10e3\u10db\u10d0\u10e2\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10e8\u10d8 \u10d7\u10d0\u10d5\u10e1 \u10e3\u10e4\u10e0\u10dd \u10d3\u10d0 \u10e3\u10e4\u10e0\u10dd \u10d9\u10dd\u10db\u10e4\u10dd\u10e0\u10e2\u10e3\u10da\u10d0\u10d3 \u10d2\u10e0\u10eb\u10dc\u10dd\u10d1\u10e1. \u10d7\u10e3 \u10ec\u10d8\u10dc\u10d0 \u10e2\u10d4\u10e1\u10e2\u10db\u10d0\u10e2\u10e9\u10d4\u10d1\u10e8\u10d8 \u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d1\u10e3\u10e0\u10d7\u10d8 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d0\u10d3 \u10db\u10d8\u10d3\u10d8\u10dd\u10d3\u10d0, \u10e0\u10d0\u10ea, \u10e9\u10d4\u10db\u10d8 \u10d0\u10d6\u10e0\u10d8\u10d7, \u10d3\u10d8\u10d3\u10d8 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0 \u10d8\u10e7\u10dd, \u10d1\u10dd\u10da\u10dd \u10e8\u10d4\u10ee\u10d5\u10d4\u10d3\u10e0\u10d4\u10d1\u10e8\u10d8 \u10e1\u10d0\u10dc\u10d3\u10e0\u10dd\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0 \u10d3\u10d0 \u10d0\u10db \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10db\u10d0 \u10e9\u10d5\u10d4\u10dc\u10d8 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10e1 \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d6\u10d4 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d0\u10d3 \u10d8\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d0. \u10d7\u10d0\u10dc\u10d0\u10d2\u10e3\u10dc\u10d3\u10d4\u10da\u10d4\u10d1\u10db\u10d0\u10ea \u10e1\u10d0\u10dc\u10d3\u10e0\u10dd\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10e1 \u10db\u10d4\u10e2\u10d0\u10d3 \u10d0\u10e3\u10e6\u10d4\u10e1 \u10d0\u10da\u10e6\u10dd \u10d3\u10d0 \u10d3\u10d0\u10e0\u10ec\u10db\u10e3\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10e0, \u10e0\u10d0\u10ea \u10d3\u10e0\u10dd \u10d2\u10d0\u10d5\u10d0, \u10db\u10d8\u10e1\u10d8 \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0\u10e1 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e3\u10e4\u10e0\u10dd \u10e3\u10d9\u10d4\u10d7 \u10e8\u10d4\u10d5\u10eb\u10da\u10d4\u10d1\u10d7.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-55-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18739\"\/><\/figure>\n\n\n\n<p>\u10e0\u10d0 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\u10d2\u10d0\u10db\u10dd\u10d3\u10d2\u10d0 \u10d2\u10dd\u10d2\u10d0 \u10d1\u10d8\u10d7\u10d0\u10eb\u10d8\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10e8\u10d8 \u10d3\u10d0\u10d1\u10e0\u10e3\u10dc\u10d4\u10d1\u10d0. \u10d2\u10d0\u10e0\u10d3\u10d0 \u10d8\u10db\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db \u10d1\u10d8\u10d7\u10d0\u10eb\u10d4\u10db \u10e8\u10d4\u10e2\u10d4\u10d5\u10d0\u10e8\u10d8\u10ea \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d8\u10e9\u10d8\u10dc\u10d0 \u10d7\u10d0\u10d5\u10d8, \u10db\u10dd\u10dc\u10e2\u10d4\u10dc\u10d4\u10d2\u10e0\u10dd\u10e1\u10d7\u10d0\u10dc \u10db\u10d0\u10dc 21 \u10e5\u10e3\u10da\u10d0 \u10d3\u10d0\u10d0\u10d2\u10e0\u10dd\u10d5\u10d0, (\u10d7\u10d0\u10db\u10d0\u10e8\u10e8\u10d8 9-\u10d3\u10d0\u10dc 9 \u10e9\u10d0\u10d2\u10d3\u10d4\u10d1\u10e3\u10da\u10d8 \u10d1\u10e3\u10e0\u10d7\u10d8), \u10d3\u10d0\u10ea\u10d5\u10d0\u10e8\u10d8 \u10d2\u10dd\u10d2\u10d0 \u10e3\u10d1\u10e0\u10d0\u10da\u10dd\u10d3 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\u10e9\u10d4\u10db\u10d8 \u10d0\u10d6\u10e0\u10d8\u10d7, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e3\u10d1\u10e0\u10d0\u10da\u10dd\u10d3 \u10e4\u10d0\u10e1\u10d3\u10d0\u10e3\u10d3\u10d4\u10d1\u10d4\u10da\u10d8\u10d0. \u10db\u10d8\u10e1\u10d8 \u10de\u10d0\u10e0\u10d9\u10d4\u10e2\u10d6\u10d4 \u10e7\u10dd\u10e4\u10dc\u10d0 \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d0\u10d3 \u10d0\u10d8\u10e1\u10d0\u10ee\u10d4\u10d1\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10d0\u10db\u10ec\u10d0\u10db\u10d8\u10d0\u10dc\u10d8\u10e1, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0\u10d6\u10d4.<\/p>\n\n\n\n<p>\u10e1\u10d0\u10db\u10ec\u10d0\u10db\u10d8\u10d0\u10dc\u10e1 \u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0, \u10d0\u10e5 \u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10d4\u10e0\u10d8 \u10dc\u10d0\u10d7\u10d4\u10da\u10d8\u10d0. \u10d2\u10dd\u10d2\u10d0 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 \u10d0\u10d7\u10da\u10d4\u10e2\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10ee\u10d0\u10e0\u10ef\u10d6\u10d4 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10d8\u10ea\u10d0\u10d5\u10e1 \u10d9\u10d0\u10da\u10d0\u10d7\u10e1 \u10d3\u10d0 \u10d4\u10e0\u10d7\u10d8-\u10d4\u10e0\u10d7\u10d6\u10d4 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0\u10d8 \u10ea\u10d4\u10dc\u10e2\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ed\u10d4\u10e0\u10d0 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0. \u10e3\u10e4\u10e0\u10dd \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd\u10d0 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0, \u10e0\u10d0\u10ea, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d4\u10e1\u10d8, \u10e9\u10d5\u10d4\u10dc\u10d8 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e5\u10d8\u10da\u10d4\u10d5\u10e1\u10d8\u10e1 \u10e5\u10e3\u10e1\u10da\u10d8\u10d0 \u10ee\u10dd\u10da\u10db\u10d4, \u10d7\u10e3\u10db\u10ea\u10d0, \u10d0\u10e5 \u10e1\u10d0\u10e5\u10db\u10d4 \u10d8\u10e1\u10d4 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d4\u10e0\u10d7\u10d8 \u10e8\u10d4\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 \u10e9\u10d0\u10dc\u10d3\u10d4\u10e1.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-144-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18740\"\/><\/figure>\n\n\n\n<p>\u10ee\u10e8\u10d8\u10e0 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10d8, \u10e0\u10dd\u10db \u10db\u10e1\u10e0\u10dd\u10da\u10d4\u10da\u10d8 \u10d2\u10e3\u10dc\u10d3\u10d4\u10d1\u10d8 \u10d1\u10d4\u10d5\u10e0 \u10e1\u10d0\u10db\u10e5\u10e3\u10da\u10d8\u10d0\u10dc\u10e1 \u10d2\u10d5\u10d8\u10d2\u10d3\u10d4\u10d1\u10d4\u10dc, \u10e9\u10d4\u10db\u10d8 \u10d3\u10d0\u10d9\u10d5\u10d8\u10e0\u10d5\u10d4\u10d1\u10d8\u10d7, \u10d0\u10e0\u10d0 \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d8\u10e1, \u10d0\u10e0\u10d0\u10db\u10d4\u10d3 \u10de\u10d8\u10d9- \u10d4\u10dc\u10d3-\u10e0\u10dd\u10da\u10d8\u10e1 \u10d3\u10d0 \u10de\u10d8\u10d9-\u10d4\u10dc\u10d3-\u10e4\u10dd\u10e4\u10d8\u10e1 \u10ea\u10e3\u10d3\u10d8 \u10d3\u10d0\u10ea\u10d5\u10d8\u10e1 \u10d1\u10e0\u10d0\u10da\u10d8\u10d0 \u10ee\u10dd\u10da\u10db\u10d4. \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10d8\u10d7 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10de\u10d8\u10d9-\u10d4\u10dc\u10d3-\u10e0\u10dd\u10da\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10db\u10d4\u10e2\u10dd\u10e5\u10d4 \u10d2\u10e3\u10dc\u10d3\u10e1 \u10e9\u10d5\u10d4\u10dc\u10d8 \u10ea\u10d4\u10dc\u10e2\u10e0\u10d8 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d6\u10d4 \u10d0\u10db\u10dd\u10f0\u10e7\u10d0\u10d5\u10e1, \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d4\u10d1\u10d8 \u10d2\u10d5\u10d4\u10e5\u10db\u10dc\u10d4\u10d1\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10db\u10d4\u10e2\u10dd\u10e5\u10d4 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 \u10ea\u10d4\u10dc\u10e2\u10e0\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d3\u10d0\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10d8\u10d9\u10d8\u10e1 \u10d2\u10d5\u10d4\u10e0\u10d3\u10d8\u10e1 \u10d0\u10d5\u10da\u10d0 \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10d5\u10d4\u10e0 \u10ee\u10d4\u10e0\u10ee\u10d3\u10d4\u10d1\u10d0 \u10ee\u10dd\u10da\u10db\u10d4, \u10d2\u10d0\u10ea\u10d5\u10da\u10d0\u10ea \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10d0\u10e0 \u10d2\u10d0\u10db\u10dd\u10d2\u10d5\u10d3\u10d8\u10e1, \u10e0\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3\u10d0\u10ea \u10e3\u10d9\u10d5\u10d4 \u10d3\u10d0\u10db\u10d6\u10e6\u10d5\u10d4\u10d5\u10d8 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d8 \u10d8\u10eb\u10e3\u10da\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10d1\u10e3\u10e0\u10d7\u10d8\u10d0\u10dc \u10d9\u10d0\u10ea\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10d5\u10d8\u10d3\u10d4\u10e1 \u10d3\u10d0 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 \u10d5\u10d8\u10d6\u10d0\u10d5\u10d8 \u10db\u10d8\u10d0\u10e2\u10dd\u10d5\u10dd\u10e1. \u10d4\u10e1 \u10db\u10d4\u10e2\u10dd\u10e5\u10d4 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e8\u10d4\u10e2\u10d4\u10d5\u10d0\u10e8\u10d8 \u10e0\u10d8\u10ea\u10ee\u10dd\u10d1\u10e0\u10d8\u10d5 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0\u10e1 \u10e5\u10db\u10dc\u10d8\u10e1 \u10d3\u10d0 \u10d8\u10db\u10d0\u10e1 \u10d2\u10d0\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db \u10ee\u10e8\u10d8\u10e0 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8, \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d6\u10d4 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d8 \u10d3\u10d0\u10e3\u10ea\u10d5\u10d4\u10da\u10d8 \u10e0\u10e9\u10d4\u10d1\u10d0. \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d9\u10da\u10d0\u10e1\u10d8\u10e1 \u10d2\u10e3\u10dc\u10d3\u10d4\u10d1\u10d8 \u10e0\u10d8\u10ea\u10ee\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10d1\u10e3\u10e0\u10d7\u10e1 \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d5\u10d8\u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10d4\u10dc \u10d3\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d4\u10e1\u10d8, \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d6\u10d4 \u10d3\u10d0\u10e3\u10ea\u10d5\u10d4\u10da\u10d8 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d8 \u10d7\u10d0\u10d5\u10d8\u10e1\u10e3\u10e4\u10d0\u10da \u10e1\u10e0\u10dd\u10da\u10d0\u10e1 \u10d8\u10e6\u10d4\u10d1\u10e1 \u10ee\u10dd\u10da\u10db\u10d4. \u10d7\u10e3\u10db\u10ea\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d0\u10e6\u10d5\u10dc\u10d8\u10e8\u10dc\u10d4, \u10d4\u10e1 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d0\u10d3 \u10de\u10d8\u10d9-\u10d4\u10dc\u10d3-\u10e0\u10dd\u10da\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d8\u10e1 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0\u10d0 \u10d3\u10d0 \u10d0\u10e0\u10d0 \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d8\u10e1.<\/p>\n\n\n\n<p>\u10d0\u10e1\u10d4\u10d5\u10d4, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d4\u10e1\u10d8, \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d2\u10d5\u10d8\u10ed\u10d8\u10e0\u10e1 \u10d8\u10e1\u10d4\u10d7\u10d8 \u10d2\u10e3\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10d0\u10e6\u10db\u10d3\u10d4\u10d2, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1\u10d0\u10ea \u10db\u10e1\u10e0\u10dd\u10da\u10d4\u10da\u10d8 \u10db\u10d0\u10e6\u10da\u10d4\u10d1\u10d8 \u10f0\u10e7\u10d0\u10d5\u10d7. \u10de\u10d8\u10d9-\u10d4\u10dc\u10d3-\u10e4\u10dd\u10e4\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0 \u10e9\u10d5\u10d4\u10dc\u10d8 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d8\u10d3\u10d8 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0\u10d0 \u10d3\u10d0 \u10d0\u10db \u10ee\u10d0\u10e0\u10d5\u10d4\u10d6\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10d0\u10e0\u10d0\u10d4\u10e0\u10d7\u10d8 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8 \u10ec\u10d0\u10d2\u10d5\u10d8\u10d2\u10d8\u10d0 \u10d9\u10d8\u10d3\u10d4\u10ea. \u10ec\u10d4\u10e1\u10d8\u10d7 \u10d4\u10e1 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0 \u10db\u10dd\u10dc\u10e2\u10d4\u10dc\u10d4\u10d2\u10e0\u10dd\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10d0\u10e6\u10db\u10d3\u10d4\u10d2\u10d0\u10ea \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d5\u10e5\u10dd\u10dc\u10dd\u10d3\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10db\u10d0\u10d7 \u10dc\u10d8\u10d9\u10dd\u10da\u10d0 \u10d5\u10e3\u10e9\u10d4\u10d5\u10d8\u10e9\u10d8\u10e1 \u10d3\u10d0 \u10d1\u10dd\u10d8\u10d0\u10dc \u10d3\u10e3\u10d1\u10da\u10d4\u10d1\u10d8\u10e9\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d8\u10d7 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d3\u10dd\u10dc\u10d8\u10e1 \u10dd\u10e0\u10d8 \u10db\u10e1\u10e0\u10dd\u10da\u10d4\u10da\u10d8 \u10ec\u10d8\u10dc\u10d0\u10ee\u10d0\u10d6\u10d4\u10da\u10d8 \u10f0\u10e7\u10d0\u10d5\u10d7, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d2\u10dd\u10d2\u10d0 \u10d1\u10d8\u10d7\u10d0\u10eb\u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d8 \u10d0\u10db 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\u10db\u10d8\u10e2\u10dd\u10d5\u10d4\u10d1\u10d0 \u10d0\u10e6\u10d0\u10e0 \u10e3\u10ec\u10d4\u10d5\u10d3\u10d0\u10d7 \u10d3\u10d0 \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd\u10d3 \u10db\u10d4\u10e2\u10dd\u10e5\u10d4\u10db \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d8 \u10d7\u10d0\u10d5\u10d8\u10e1\u10e3\u10e4\u10d0\u10da\u10d8 \u10e1\u10e0\u10dd\u10da\u10d0 \u10db\u10d8\u10d8\u10e6\u10dd, \u10e0\u10d0\u10ea, \u10d7\u10d0\u10d5\u10d8\u10e1 \u10db\u10ee\u10e0\u10d8\u10d5, \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10d3\u10d0\u10dc, \u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1 \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d8\u10d3\u10d0\u10dc, \u10db\u10d8\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10d1\u10e3\u10e0\u10d7\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d6\u10d4 \u10d0\u10d8\u10e1\u10d0\u10ee\u10d0.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-84-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18741\"\/><\/figure>\n\n\n\n<p>\u10ee\u10d0\u10e0\u10d5\u10d4\u10d6\u10d4\u10d1\u10e1 \u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0, \u10d1\u10dd\u10da\u10dd \u10dd\u10e0 \u10e8\u10d4\u10ee\u10d5\u10d4\u10d3\u10e0\u10d0\u10e8\u10d8 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10e1\u10e3\u10da \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10d8\u10e7\u10dd. \u10d9\u10d0\u10e0\u10d2\u10d8\u10d0, \u10e0\u10dd\u10db \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d4\u10d1\u10d8 \u10e3\u10d1\u10e0\u10d0\u10da\u10dd\u10d3 \u10d9\u10dd\u10dc\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10dd\u10d1\u10d0\u10e1\u10d7\u10d0\u10dc \u10d0\u10e0\u10d8\u10e1 \u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10e8\u10d8, \u10e0\u10d0\u10ea \u10d0\u10da\u10d1\u10d0\u10d7 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d8\u10dd\u10da\u10d8 \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d4\u10da\u10d8\u10d0. \u10de\u10d8\u10e0\u10d5\u10d4\u10da \u10e0\u10d8\u10d2\u10e8\u10d8, \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10ee\u10d0\u10e0\u10d5\u10d4\u10d6\u10d8 \u10db\u10d0\u10d8\u10dc\u10ea \u10d8\u10e1 \u10d0\u10e0\u10d8\u10e1, \u10e0\u10dd\u10db \u10db\u10d4\u10e2\u10dd\u10e5\u10d4 \u10d2\u10e3\u10dc\u10d3\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e2\u10d4\u10d5\u10d0\u10e8\u10d8 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d1\u10d4\u10d5\u10e0 \u10d1\u10e3\u10e0\u10d7\u10e1 \u10d5\u10d0\u10ee\u10e1\u10dc\u10d4\u10d5\u10d8\u10dc\u10d4\u10d1\u10d7. \u10db\u10dd\u10dc\u10e2\u10d4\u10dc\u10d4\u10d2\u10e0\u10dd\u10db \u10e9\u10d5\u10d4\u10dc\u10e1 \u10e4\u10d0\u10e0\u10d6\u10d4 20-\u10ef\u10d4\u10e0 \u10db\u10dd\u10d2\u10d5\u10d8\u10ee\u10e1\u10dc\u10d0 \u10d1\u10e3\u10e0\u10d7\u10d8, \u10e0\u10d0\u10ea 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\u10d0\u10dc\u10e3 \u10d6\u10e3\u10e0\u10d2\u10d8\u10e1 \u10e9\u10d0\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0, \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d8\u10e1 \u10e4\u10e3\u10dc\u10d3\u10d0\u10db\u10d4\u10dc\u10e2\u10e3\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10dd\u10dc\u10d4\u10dc\u10e2\u10d8\u10d0, \u10e0\u10d0\u10e1\u10d0\u10ea \u10ee\u10e8\u10d8\u10e0 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10e7\u10e3\u10e0\u10d0\u10d3\u10e6\u10d4\u10d1\u10d0\u10e1 \u10d0\u10e0 \u10d5\u10d0\u10e5\u10ea\u10d4\u10d5\u10d7 \u10d3\u10d0 \u10d0\u10db\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10d5\u10d8\u10e1\u10ef\u10d4\u10d1\u10d8\u10d7 \u10d9\u10d8\u10d3\u10d4\u10ea. \u10d9\u10d0\u10e0\u10d2\u10d8 \u10d3\u10d0\u10ea\u10d5\u10d8\u10d7\u10d8 \u10de\u10dd\u10d6\u10d8\u10ea\u10d8\u10d8\u10e1 \u10db\u10d4\u10e0\u10d4 \u10e0\u10dd\u10db \u10d4\u10de\u10d8\u10d6\u10dd\u10d3\u10d8\u10d3\u10d0\u10dc \u10dc\u10d0\u10d0\u10d3\u10e0\u10d4\u10d5\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d4\u10d7\u10d8\u10e8\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10db\u10d4\u10e2\u10dd\u10e5\u10d4\u10e1 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10e4\u10d0\u10e0\u10d6\u10d4 \u10d1\u10e3\u10e0\u10d7\u10e1 \u10db\u10dd\u10d0\u10ee\u10e1\u10dc\u10d4\u10d5\u10d8\u10dc\u10d4\u10d1, \u10d4\u10e1 \u10e4\u10e1\u10d8\u10e5\u10dd\u10da\u10dd\u10d2\u10d8\u10e3\u10e0\u10d0\u10d3\u10d0\u10ea \u10d2\u10e3\u10dc\u10d3\u10d6\u10d4 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10ea\u10e3\u10d3\u10d0\u10d3 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10e1. \u10db\u10d8\u10d7\u10e3\u10db\u10d4\u10e2\u10d4\u10e1, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8 \u10d9\u10d0\u10e0\u10d2\u10d8 \u10db\u10dd\u10db\u10ee\u10e1\u10dc\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10e4\u10d8\u10ea\u10d8\u10e2\u10e1 \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3 \u10d0\u10e0 \u10d2\u10d0\u10dc\u10d8\u10ea\u10d3\u10d8\u10e1 \u10d3\u10d0 \u10d0\u10db \u10d9\u10dd\u10db\u10de\u10dd\u10dc\u10d4\u10dc\u10e2\u10e8\u10d8 \u10d0\u10e1\u10d4 \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3 \u10d0\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10d5\u10d8\u10e9\u10d0\u10d2\u10e0\u10d4\u10d1\u10dd\u10d3\u10d4\u10d7.<\/p>\n\n\n\n<p>\u10db\u10d4\u10dd\u10e0\u10d4 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0 \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d5\u10d4\u10d1\u10d8\u10d0. \u10db\u10dd\u10dc\u10e2\u10d4\u10dc\u10d4\u10d2\u10e0\u10dd\u10e1\u10d7\u10d0\u10dc \u10ef\u10d0\u10db\u10e8\u10d8 20 \u10d7\u10d0\u10e0\u10dc\u10dd\u10d5\u10d4\u10e0\u10d8 \u10d2\u10d5\u10e5\u10dd\u10dc\u10d3\u10d0, \u10e0\u10d0\u10ea \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10ea\u10e3\u10d3\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8\u10d0. \u10d7\u10d0\u10dc\u10d0\u10ea, \u10d1\u10d4\u10d5\u10e0\u10d8 \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d5\u10d0 \u10e3\u10ec\u10e7\u10d8\u10dc\u10d0\u10e0 \u10e1\u10d8\u10e2\u10e3\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8 \u10db\u10dd\u10ee\u10d3\u10d0 \u10d3\u10d0 \u10d0\u10e1\u10d4\u10d7 \u10e8\u10d4\u10ea\u10d3\u10dd\u10db\u10d4\u10d1\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10e3\u10dc\u10d3\u10d0 \u10d5\u10d4\u10e0\u10d8\u10d3\u10dd\u10d7, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d3\u10dd\u10dc\u10d8\u10e1 \u10d2\u10e3\u10dc\u10d3\u10d8 \u10d0\u10db\u10d0\u10e1 \u10d0\u10e0 \u10d2\u10d5\u10d0\u10de\u10d0\u10e2\u10d8\u10d4\u10d1\u10e1. \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d5\u10d0 \u10db\u10d4\u10e2\u10dd\u10e5\u10d4\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10e8\u10d4\u10e2\u10d4\u10d5\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1, \u10e0\u10d0\u10ea \u10d8\u10dd\u10da \u10e5\u10e3\u10da\u10d4\u10d1\u10e1 \u10d2\u10d0\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10e2\u10e0\u10d0\u10dc\u10d6\u10d8\u10e8\u10d4\u10dc\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10e8\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10e0\u10d7\u10e3\u10da\u10d8\u10d0. \u10d9\u10d0\u10e0\u10d2\u10d8\u10d0, \u10e0\u10dd\u10db \u10d4\u10e1 \u10ee\u10d0\u10e0\u10d5\u10d4\u10d6\u10d8, \u10d8\u10e1\u10d4\u10d5\u10d4 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d8\u10dc\u10d0, \u10ee\u10e8\u10d8\u10e0\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10e3\u10d1\u10e0\u10d0\u10da\u10dd\u10d3 \u10d9\u10dd\u10dc\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10ea\u10d8\u10d0\u10e1\u10d7\u10d0\u10dc \u10d0\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d0 \u10db\u10d8\u10e1\u10d8 \u10d2\u10d0\u10db\u10dd\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d0 \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p>\u10d1\u10dd\u10da\u10dd \u10db\u10d8\u10dc\u10e3\u10e1\u10d8, \u10e0\u10d0\u10e1\u10d0\u10ea \u10db\u10d8\u10dc\u10d3\u10d0 \u10e8\u10d4\u10d5\u10d4\u10ee\u10dd, \u10d0\u10e0\u10d8\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10e1 \u10db\u10d4\u10dc\u10d4\u10ef\u10db\u10d4\u10dc\u10e2\u10d8. \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10db\u10d0\u10e2\u10e9\u10d8\u10e1 \u10d3\u10d0\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d0\u10db\u10d3\u10d4 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10ec\u10e3\u10d7\u10d8\u10d0 \u10d3\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8\u10da\u10d8 \u10d3\u10d0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10e8\u10d8 \u10e1\u10d0\u10d2\u10e0\u10eb\u10dc\u10dd\u10d1\u10da\u10d0\u10d3 \u10ec\u10d8\u10dc \u10ee\u10d0\u10e0, \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10e2\u10d4\u10db\u10de\u10d8 \u10d3\u10d0\u10d0\u10d2\u10d3\u10dd, \u10e8\u10d4\u10e2\u10d4\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d9\u10e3\u10d7\u10d5\u10dc\u10d8\u10da\u10d8 \u10d3\u10e0\u10dd \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10d0\u10d8\u10d7\u10d5\u10d8\u10e1\u10dd \u10d3\u10d0 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8 \u10db\u10dd\u10d9\u10da\u10d0. \u10db\u10dd\u10dc\u10e2\u10d4\u10dc\u10d4\u10d2\u10e0\u10dd\u10e1\u10d7\u10d0\u10dc \u10d8\u10e7\u10dd \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10d8, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10d1\u10dd\u10da\u10dd \u10ec\u10e3\u10d7\u10d4\u10d1\u10e8\u10d8 \u10e8\u10d4\u10e2\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d1\u10e3\u10e0\u10d7\u10d8 \u10db\u10dd\u10d5\u10ee\u10e1\u10d4\u10dc\u10d8\u10d7, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d8\u10db\u10d8\u10e1 \u10db\u10d0\u10d2\u10d8\u10d5\u10e0\u10d0\u10d3 \u10e0\u10dd\u10db \u10de\u10d4\u10e0\u10d8\u10db\u10d4\u10e2\u10e0\u10d6\u10d4 \u10d2\u10d0\u10db\u10dd\u10d2\u10d5\u10d4\u10e2\u10d0\u10dc\u10d0 \u10d3\u10d0 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8 \u10d3\u10d0\u10d2\u10d5\u10d4\u10ec\u10e7\u10dc\u10d0\u10e0\u10d4\u10d1\u10d8\u10dc\u10d0, \u10de\u10d8\u10e0\u10d8\u10e5\u10d8\u10d7 \u10d5\u10d8\u10e9\u10e5\u10d0\u10e0\u10d4\u10d7, \u10e0\u10d0\u10db\u10d0\u10ea \u10db\u10d4\u10e2\u10dd\u10e5\u10d4 \u10d2\u10e3\u10dc\u10d3\u10e1 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e8\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8 \u10d2\u10d0\u10e3\u10e9\u10d8\u10dc\u10d0. \u10d4\u10e1 \u10d5\u10e4\u10d8\u10e5\u10e0\u10dd\u10d1 \u10d0\u10ee\u10d0\u10da\u10d2\u10d0\u10d6\u10e0\u10d3\u10d0 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e3\u10ea\u10d3\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d1\u10e0\u10d0\u10da\u10d8\u10d0 \u10d3\u10d0 \u10db\u10d8\u10e1\u10d8 \u10d2\u10d0\u10db\u10dd\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d0 \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d0\u10db\u10d0\u10d6\u10d4 \u10e4\u10d8\u10e5\u10e0\u10d8 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/bankofgeorgia.ge\/blog\/app\/uploads\/2025\/03\/kjr-183-of-183-scaled.jpg\" alt=\"\" class=\"wp-image-18742\"\/><\/figure>\n\n\n\n<p>\u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10db\u10d0 \u10d1\u10dd\u10da\u10dd \u10dd\u10e0 \u10e2\u10d4\u10e1\u10e2\u10db\u10d0\u10e2\u10e9\u10e8\u10d8 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d3\u10dd\u10dc\u10d8\u10e1 \u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d8 \u10d8\u10d7\u10d0\u10db\u10d0\u10e8\u10d0. \u10e0\u10d0\u10ea \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8\u10d0, \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d9\u10dd\u10db\u10de\u10dd\u10dc\u10d4\u10dc\u10e2\u10e8\u10d8 \u10de\u10e0\u10dd\u10d2\u10e0\u10d4\u10e1\u10d8 \u10d0\u10e8\u10d9\u10d0\u10e0\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10e9\u10dc\u10d3\u10d0 \u10d3\u10d0 \u10d4\u10e1 \u10d8\u10db\u10d4\u10d3\u10d8\u10e1\u10db\u10dd\u10db\u10ea\u10d4\u10db\u10d8\u10d0. \u10d0\u10e1\u10d4\u10d7\u10d8 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10d7 \u10d3\u10d0\u10e0\u10ec\u10db\u10e3\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10e0, \u10e0\u10dd\u10db \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10e9\u10d4\u10db\u10de\u10d8\u10dd\u10dc\u10d0\u10e2\u10d6\u10d4 \u10ef\u10d2\u10e3\u10e4\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10e1\u10d5\u10da\u10d0 \u10d0\u10e0 \u10d2\u10d0\u10d2\u10d5\u10d8\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0. \u10d7\u10e3 \u10d8\u10db \u10ee\u10d0\u10e0\u10d5\u10d4\u10d6\u10d4\u10d1\u10e1\u10d0\u10ea \u10d2\u10d0\u10db\u10dd\u10d5\u10d0\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d7, \u10e0\u10d0\u10d6\u10d4\u10ea \u10d5\u10d8\u10e1\u10d0\u10e3\u10d1\u10e0\u10d4, \u10e9\u10d5\u10d4\u10dc\u10d8 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10d0\u10e0\u10ea\u10ee\u10d4\u10d1\u10d0 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10d2\u10e3\u10dc\u10d3\u10e1 \u10d2\u10d0\u10e3\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8 \u10d1\u10dd\u10da\u10dd \u10d0\u10db\u10ee\u10d0\u10dc\u10d0\u10d2\u10e3\u10e0 \u10e8\u10d4\u10ee\u10d5\u10d4\u10d3\u10e0\u10d0\u10e1 22 \u10d0\u10d2\u10d5\u10d8\u10e1\u10e2\u10dd\u10e1, 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