{"id":44064,"date":"2026-04-02T15:16:50","date_gmt":"2026-04-02T11:16:50","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/?p=44064"},"modified":"2026-04-15T16:21:50","modified_gmt":"2026-04-15T12:21:50","slug":"ras-aketebs-sakartvelos-banki-mdgradi-ganvitarebistvis-2025-tslis-shedegebis-mimokhilva","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ar-gacherde\/chveni-ambebi\/ras-aketebs-sakartvelos-banki-mdgradi-ganvitarebistvis-2025-tslis-shedegebis-mimokhilva\/","title":{"rendered":"\u10e0\u10d0\u10e1 \u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1? 2025 \u10ec\u10da\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10dd\u10ee\u10d8\u10da\u10d5\u10d0"},"content":{"rendered":"\n<p>\u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d8\u10eb\u10da\u10d8\u10d4\u10e0\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d4\u10d7\u10d8\u10d9\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10e1\u10d0\u10e7\u10e0\u10d3\u10d4\u10dc\u10d8\u10d0. \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d0 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1, \u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d7\u10e3 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1 \u10ec\u10d8\u10dc\u10d0\u10e8\u10d4 \u10db\u10d0\u10e6\u10d0\u10da \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10e1 \u10d4\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10d0. \u10d0\u10db \u10d9\u10dd\u10db\u10de\u10da\u10d4\u10e5\u10e1\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10e1 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10d6\u10dd\u10db\u10d8 ESG (Environmental, Social, Governance) &#8211; \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d3\u10d0\u10ea\u10d5\u10d8\u10d7\u10d8, \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10db\u10db\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10d7\u10d8 \u10e1\u10e2\u10d0\u10dc\u10d3\u10d0\u10e0\u10e2\u10d4\u10d1\u10d8\u10d0.<\/p>\n\n\n\n<p>\u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10d6\u10d4 \u10d6\u10e0\u10e3\u10dc\u10d5\u10d0 \u10ec\u10da\u10d4\u10d1\u10d8\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10de\u10e0\u10d8\u10dd\u10e0\u10d8\u10e2\u10d4\u10e2\u10d8\u10d0. \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10d8\u10dc\u10d2\u10da\u10d8\u10e1\u10e1\u10d0 \u10d3\u10d0 \u10e3\u10d4\u10da\u10e1\u10e8\u10d8 \u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8, <a href=\"https:\/\/bankofgeorgia.ge\/blog\/ar-gacherde\/chveni-ambebi\/lion-finance-jgupi-ftse-100-indeksshia\/\" target=\"_blank\" rel=\"noreferrer noopener\">FTSE 100-\u10e8\u10d8 \u10e8\u10d4\u10db\u10d0\u10d5\u10d0\u10da\u10d8<\/a> \u10f0\u10dd\u10da\u10d3\u10d8\u10dc\u10d2\u10e3\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1, Lion Finance Group PLC-\u10d8\u10e1 \u10e8\u10d5\u10d8\u10da\u10dd\u10d1\u10d8\u10da\u10d8\u10d0 \u10d3\u10d0 ESG \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d4\u10d1\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0 \u10d1\u10d8\u10e0\u10d7\u10d5\u10e1\u10d0\u10ea \u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1.<\/p>\n\n\n\n<p><em>\u10e9\u10d5\u10d4\u10dc\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10dc\u10d0\u10d7\u10d4\u10da\u10d8\u10d0: \u10db\u10ee\u10d0\u10e0\u10d8 \u10d3\u10d0\u10d5\u10e3\u10ed\u10d8\u10e0\u10dd\u10d7 \u10de\u10e0\u10dd\u10d2\u10e0\u10d4\u10e1\u10e1 \u10d8\u10db \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d6\u10d4, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1\u10d0\u10ea \u10d5\u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0 \u10e8\u10d4\u10d5\u10e5\u10db\u10dc\u10d0\u10d7 \u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10d0\u10e5\u10ea\u10d8\u10dd\u10dc\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 &#8211; <\/em>&nbsp;\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d0\u10e6\u10db\u10d0\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d4\u10da\u10d8 \u10d3\u10d0 \u10d2\u10d4\u10dc\u10d4\u10e0\u10d0\u10da\u10e3\u10e0\u10d8 \u10d3\u10d8\u10e0\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8, \u10d0\u10e0\u10e9\u10d8\u10da \u10d2\u10d0\u10e9\u10d4\u10e9\u10d8\u10da\u10d0\u10eb\u10d4<\/p>\n\n\n\n<p>\u10d0\u10db \u10db\u10d8\u10d3\u10d2\u10dd\u10db\u10d0\u10db \u10d3\u10d0 \u10db\u10d8\u10d6\u10d0\u10dc\u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10db\u10d0 \u10e8\u10e0\u10dd\u10db\u10d0\u10db \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10e1 \u10e3\u10d9\u10d5\u10d4 \u10db\u10dd\u10e3\u10e2\u10d0\u10dc\u10d0 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d0\u10e6\u10d8\u10d0\u10e0\u10d4\u10d1\u10d0: <a href=\"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/34-jildo-global-finance-isgan-sakartvelos-bankis-motsinave-pozitsiebi-tsiprul-speroshi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Global Finance-\u10d8\u10e1 \u10ef\u10d8\u10da\u10d3\u10dd<\/strong> <\/a>\u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 <a href=\"https:\/\/forbes.ge\/euromoney-saqarthvelos-banki-sauketheso-esg-bankia-saqarthveloshi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Euromoney-\u10e1 \u10ef\u10d8\u10da\u10d3\u10dd<\/strong><\/a><strong> <\/strong>ESG \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10da\u10d8\u10d3\u10d4\u10e0\u10dd\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1.\u00a0<\/p>\n\n\n\n<p>\u10d0\u10db \u10d1\u10da\u10dd\u10d2\u10e8\u10d8 \u10d3\u10d4\u10e2\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10db\u10d8\u10db\u10dd\u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5\u10d7 2025 \u10ec\u10d4\u10da\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d3\u10d0\u10ea\u10d5\u10d8\u10d7\u10d8, \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10db\u10db\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10d7\u10d8 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e3\u10da \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Environmental (E) &#8211; \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10d6\u10e0\u10e3\u10dc\u10d5\u10d0 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10d6\u10d4<\/strong><\/h2>\n\n\n\n<p>\u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0 \u10d8\u10db \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10e1, \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1 \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d3\u10d0\u10ea\u10d5\u10d8\u10d7 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d0\u10e1 \u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10d4\u10dc. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d0 \u10dd\u10e0 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d4\u10d1\u10e1: \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10d9\u10d5\u10d0\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10da\u10d8\u10d3\u10d4\u10e0\u10dd\u10d1\u10d0 \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d3\u10d0 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0:<\/strong>\u00a0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10da\u10d8\u10d3\u10d4\u10e0\u10d8\u10d0 \u10d3\u10d0 \u10e4\u10da\u10dd\u10d1\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e2\u10d0\u10e5\u10e1\u10dd\u10dc\u10dd\u10db\u10d8\u10d0\u10e1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1 \u10db\u10d7\u10d4\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8\u10e1 <strong>68%-\u10e1.<\/strong> \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d8\u10db \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d0\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10d4\u10dc \u10ee\u10d4\u10da\u10e1 (\u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d0\u10d3\u10d8 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0, \u10d4\u10dc\u10d4\u10e0\u10d2\u10dd\u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0\u10dd\u10d1\u10d0, \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10db\u10e8\u10d4\u10dc\u10d4\u10d1\u10da\u10dd\u10d1\u10d0, \u10d9\u10da\u10d8\u10db\u10d0\u10e2\u10d2\u10dd\u10dc\u10d8\u10d5\u10e0\u10e3\u10da\u10d8 \u10e1\u10dd\u10e4\u10da\u10d8\u10e1 \u10db\u10d4\u10e3\u10e0\u10dc\u10d4\u10dd\u10d1\u10d0, \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10e2\u10e0\u10d0\u10dc\u10e1\u10de\u10dd\u10e0\u10e2\u10d8 \u10d3\u10d0 \u10dc\u10d0\u10e0\u10e9\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0 \u10d3\u10d0 \u10e1\u10ee\u10d5.). \u10d0\u10db \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10d0 \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d2\u10e0\u10eb\u10d4\u10da\u10d3\u10d4\u10d1\u10d0, 2026 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 <strong>1.5 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10da\u10d0\u10e0\u10d0\u10db\u10d3\u10d4<\/strong> \u10d2\u10d0\u10d6\u10e0\u10d3\u10d0\u10d0.\u00a0<\/li>\n\n\n\n<li><strong>\u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d0\u10d3\u10d8 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0:<\/strong>\u00a0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8\u10e1 \u10e3\u10d3\u10d8\u10d3\u10d4\u10e1\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8 (58%) \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d0\u10d3\u10d8 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d8\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0\u10e1 (\u10f0\u10d8\u10d3\u10e0\u10dd, \u10e5\u10d0\u10e0\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d6\u10d8\u10e1 \u10d4\u10da\u10d4\u10e5\u10e2\u10e0\u10dd\u10e1\u10d0\u10d3\u10d2\u10e3\u10e0\u10d4\u10d1\u10e1) \u10ee\u10db\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0. \u10d0\u10db \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10e8\u10d4\u10e2\u10d0\u10dc\u10d8\u10da\u10d8 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10e3\u10e0\u10d8 \u10ec\u10d5\u10da\u10d8\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d1\u10d0\u10dc\u10d9\u10db\u10d0 \u10d4\u10d5\u10e0\u10dd\u10de\u10d8\u10e1 \u10e0\u10d4\u10d9\u10dd\u10dc\u10e1\u10e2\u10e0\u10e3\u10e5\u10ea\u10d8\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1\u10d2\u10d0\u10dc (EBRD) \u10de\u10e0\u10d4\u10e1\u10e2\u10d8\u10df\u10e3\u10da\u10d8 \u10ef\u10d8\u10da\u10d3\u10dd, <strong>\u10ec\u10da\u10d8\u10e1 \u10db\u10ec\u10d5\u10d0\u10dc\u10d4 \u10d2\u10d0\u10e0\u10d8\u10d2\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d0\u10d3 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0\u10e8\u10d8 (\u10f0\u10d8\u10d3\u10e0\u10dd),<\/strong> \u10db\u10dd\u10d8\u10de\u10dd\u10d5\u10d0.<\/li>\n\n\n\n<li><strong>E&amp;S \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e4\u10d8\u10da\u10e2\u10e0\u10d8:<\/strong> \u10d1\u10d0\u10dc\u10d9\u10d8 \u10d0\u10e0 \u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e1 \u10d8\u10db \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10e3\u10da \u10d0\u10d9\u10e0\u10eb\u10d0\u10da\u10e3\u10da\u10d8 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10d0\u10e8\u10d8\u10d0 (Exclusion List). \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d3\u10d0 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d9\u10d8, \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10db\u10e3\u10e8\u10d0\u10d5\u10d3\u10d4\u10d1\u10d0 \u10e1\u10d0\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10dd \u10d2\u10d4\u10d2\u10db\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10d0\u10e1 \u10e1\u10e2\u10d0\u10dc\u10d3\u10d0\u10e0\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d3\u10d0\u10ea\u10d5\u10d8\u10d7\u10d8 \u10d7\u10e3 \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0. \u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0, \u10e0\u10dd\u10db 2026 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10d1\u10d0\u10dc\u10d9\u10d8 \u10e1\u10e0\u10e3\u10da\u10e4\u10d0\u10e1\u10dd\u10d5\u10d0\u10dc ESG \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d8\u10e2\u10dd\u10e0\u10d8\u10dc\u10d2\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10d5\u10d8\u10d3\u10d0.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e8\u10d8 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d9\u10d5\u10d0\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10db\u10d6\u10d8\u10e1 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d5\u10da\u10d0:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e3\u10da\u10d8 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10db\u10dd\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10da\u10d4\u10e5\u10e2\u10e0\u10dd\u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d8\u10e1 <strong>88%<\/strong> \u10db\u10d6\u10d8\u10e1 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0\u10d6\u10d4 \u10db\u10dd\u10d3\u10d8\u10e1. \u10db\u10d6\u10d8\u10e1 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d5\u10da\u10d0 \u10d0\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10e1 \u10f0\u10d0\u10d4\u10e0\u10e8\u10d8 \u10dc\u10d0\u10ee\u10e8\u10d8\u10e0\u10d1\u10d0\u10d3\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10dd\u10e4\u10d0\u10e1, \u10e0\u10d0\u10ea \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10d9\u10d5\u10d0\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 2026 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d0\u10db \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10da\u10d8\u10e1 <strong>100%-\u10db\u10d3\u10d4<\/strong> \u10d2\u10d0\u10d6\u10e0\u10d3\u10d0\u10e1 \u10d2\u10d4\u10d2\u10db\u10d0\u10d5\u10e1.\u00a0<\/li>\n\n\n\n<li><strong>\u10e3\u10e5\u10d0\u10e6\u10d0\u10da\u10d3\u10dd (Paperless) \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8:<\/strong> \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d4\u10d1\u10e8\u10d8 \u10dc\u10d0\u10d1\u10d4\u10ed\u10d3\u10d8 \u10d3\u10dd\u10d9\u10e3\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d5\u10d4\u10e0\u10e1\u10d8\u10d4\u10d1\u10d8\u10d7 \u10e9\u10d0\u10dc\u10d0\u10ea\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4\u10dd\u10d1\u10e1, \u10d8\u10dc\u10d8\u10ea\u10d8\u10d0\u10e2\u10d8\u10d5\u10d0 2026 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e5\u10d0\u10e6\u10d0\u10da\u10d3\u10d8\u10e1 \u10db\u10dd\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1 <strong>60%-\u10d8\u10d7<\/strong> \u10e8\u10d4\u10d0\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10e1. \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d4\u10e1 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1 \u10d0\u10d7\u10d0\u10e1\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d3\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8\u10da \u10ee\u10d4\u10e1 \u10d3\u10d0 \u10d2\u10d0\u10ea\u10d8\u10da\u10d4\u10d1\u10d8\u10d7 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1 \u10dc\u10d0\u10e0\u10e9\u10d4\u10dc\u10e1.<\/li>\n\n\n\n<li><strong>\u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0:<\/strong> 2025 \u10ec\u10d4\u10da\u10e1 \u10d2\u10d0\u10d3\u10d0\u10db\u10e3\u10e8\u10d0\u10d5\u10d3\u10d0 <strong>85 \u10e2\u10dd\u10dc\u10d0<\/strong> \u10dc\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8 \u10d3\u10d0 <strong>47 \u10e2\u10dd\u10dc\u10d0<\/strong> \u10db\u10d4\u10dd\u10e0\u10d0\u10d3\u10d8 \u10d4\u10da\u10d4\u10db\u10d4\u10dc\u10e2\u10d8. \u10e1\u10d0\u10d7\u10d0\u10d5\u10dd \u10dd\u10e4\u10d8\u10e1\u10e8\u10d8 \u10ec\u10e7\u10da\u10d8\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10d7 \u10d3\u10d0\u10db\u10dd\u10dc\u10e2\u10d0\u10df\u10d3\u10d0 \u10d0\u10d4\u10e0\u10d0\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8 &#8211; \u10db\u10dd\u10ec\u10e7\u10dd\u10d1\u10d8\u10da\u10dd\u10d1\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10ec\u10e7\u10da\u10d8\u10e1 \u10ed\u10d0\u10d5\u10da\u10e1 \u10f0\u10d0\u10d4\u10e0\u10e1 \u10e3\u10e0\u10d4\u10d5\u10e1 \u10d3\u10d0 \u10ec\u10dc\u10d4\u10d5\u10d8\u10e1 \u10e8\u10d4\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10ea\u10d8\u10da\u10d4\u10d1\u10d8\u10d7 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1 \u10ec\u10e7\u10d0\u10da\u10e1 \u10ee\u10d0\u10e0\u10ef\u10d0\u10d5\u10e1.<\/li>\n\n\n\n<li><strong>\u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d0\u10e6\u10d8\u10d0\u10e0\u10d4\u10d1\u10d0 (EDGE):<\/strong> \u10e1\u10d0\u10d7\u10d0\u10d5\u10dd \u10dd\u10e4\u10d8\u10e1\u10db\u10d0 \u10db\u10dd\u10d8\u10de\u10dd\u10d5\u10d0 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10ef\u10d2\u10e3\u10e4\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10da\u10d8 <strong>EDGE \u10e1\u10d4\u10e0\u10e2\u10d8\u10e4\u10d8\u10d9\u10d0\u10e2\u10d8<\/strong>, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d0\u10d3\u10d0\u10e1\u10e2\u10e3\u10e0\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db \u10e8\u10d4\u10dc\u10dd\u10d1\u10d0 \u10d4\u10dc\u10d4\u10e0\u10d2\u10dd\u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10e3\u10db\u10d0\u10e6\u10da\u10d4\u10e1\u10d8 \u10e1\u10e2\u10d0\u10dc\u10d3\u10d0\u10e0\u10e2\u10d4\u10d1\u10d8\u10d7 \u10d8\u10db\u10d0\u10e0\u10d7\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d8\u10d7 \u10db\u10dd\u10d8\u10ee\u10db\u10d0\u10e0\u10e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d1\u10d8\u10dd\u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10e4\u10d4\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><a href=\"https:\/\/bankofgeorgia.ge\/blog\/category\/ar-gacherde\/daculi-teritoriebi\/\"><strong>\u10d3\u10d0\u10ea\u10e3\u10da\u10d8 \u10e2\u10d4\u10e0\u10d8\u10e2\u10dd\u10e0\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0<\/strong><\/a><strong>:<\/strong> \u10d9\u10d0\u10d5\u10d9\u10d0\u10e1\u10d8\u10d8\u10e1 \u10d1\u10e3\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d3\u10d7\u10d0\u10dc (CNF) \u10de\u10d0\u10e0\u10e2\u10dc\u10d8\u10dd\u10e0\u10dd\u10d1\u10d8\u10d7 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10db\u10d0 2025 \u10ec\u10d4\u10da\u10e1 <strong>100,000<\/strong> \u10da\u10d0\u10e0\u10d8 \u10d2\u10d0\u10db\u10dd\u10e7\u10dd 18 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8 \u10e2\u10d4\u10e0\u10d8\u10e2\u10dd\u10e0\u10d8\u10d8\u10e1 \u10e0\u10d4\u10d8\u10dc\u10ef\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10e4\u10e0\u10d0\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. 2010 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10d0\u10db \u10db\u10d8\u10d6\u10dc\u10d8\u10d7 \u10ef\u10d0\u10db\u10e8\u10d8 <strong>1.3 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10da\u10d0\u10e0\u10d8\u10d0<\/strong> \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8.<\/li>\n\n\n\n<li><strong>\u10db\u10d6\u10d8\u10e1 \u10de\u10d0\u10dc\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d9\u10d0\u10da\u10d9\u10e3\u10da\u10d0\u10e2\u10dd\u10e0\u10d8:<\/strong> \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e8\u10d4\u10d8\u10e5\u10db\u10dc\u10d0 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0\u10d7 \u10ec\u10d8\u10dc\u10d0\u10e1\u10ec\u10d0\u10e0 \u10d2\u10d0\u10db\u10dd\u10d7\u10d5\u10d0\u10da\u10dd\u10dc \u10db\u10d6\u10d8\u10e1 \u10de\u10d0\u10dc\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10dd\u10dc\u10e2\u10d0\u10df\u10d4\u10d1\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10d4\u10da\u10d8 \u10d3\u10d0 \u10d8\u10e1, \u10d7\u10e3 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d0\u10d3 \u10e8\u10d4\u10d0\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d4\u10dc \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10d6\u10d4 \u10db\u10d0\u10d5\u10dc\u10d4 \u10d6\u10d4\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d0\u10e1.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Social (S) &#8211; \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10eb\u10da\u10d8\u10d4\u10e0\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10d9\u10da\u10e3\u10d6\u10d8\u10e3\u10e0\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8<\/strong><\/h2>\n\n\n\n<p>ESG-\u10d8\u10e1 \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d0 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10e3\u10e0 \u10d9\u10d0\u10de\u10d8\u10e2\u10d0\u10da\u10d6\u10d4 \u10d6\u10e0\u10e3\u10dc\u10d5\u10d0\u10e1, \u10d7\u10d0\u10dc\u10d0\u10e1\u10ec\u10dd\u10e0\u10dd\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10eb\u10da\u10d8\u10d4\u10e0\u10d4\u10d1\u10d0\u10e1 \u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d4\u10d1\u10e1. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d4\u10e1 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10d7\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8\u10d0. \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8\u10d0, \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10e1 &#8211; \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1, \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10e1 \u10d7\u10e3 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 \u10ec\u10d4\u10d5\u10e0\u10e1 &#8211; \u10db\u10d8\u10e1\u10ea\u10d4\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0, \u10d0\u10e0\u10d0\u10e1\u10dd\u10d3\u10d4\u10e1 \u10d2\u10d0\u10e9\u10d4\u10e0\u10d3\u10d4\u10e1 \u10d3\u10d0 \u10db\u10e3\u10d3\u10db\u10d8\u10d5\u10d0\u10d3 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d3\u10d4\u10e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d8\u10dc\u10d9\u10da\u10e3\u10d6\u10d8\u10e3\u10e0\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10d7\u10d0\u10dc\u10d0\u10d1\u10d0\u10e0\u10d8 \u10ec\u10d5\u10d3\u10dd\u10db\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10e3\u10da\u10d8 \u10ec\u10d5\u10d3\u10dd\u10db\u10d0 <\/strong><a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/tvitdasaqmebuli\/\"><strong>\u10d7\u10d5\u10d8\u10d7\u10d3\u10d0\u10e1\u10d0\u10e5\u10db\u10d4\u10d1\u10e3\u10da\u10d7\u10d0\u10d7\u10d5\u10d8\u10e1<\/strong><\/a><strong>:<\/strong> \u10d5\u10d8\u10d3\u10d4\u10dd-\u10d5\u10d0\u10da\u10d8\u10d3\u10d0\u10ea\u10d8\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10db\u10dd\u10d3\u10d4\u10da\u10d8\u10d7 \u10d7\u10d5\u10d8\u10d7\u10d3\u10d0\u10e1\u10d0\u10e5\u10db\u10d4\u10d1\u10e3\u10da \u10de\u10d8\u10e0\u10d4\u10d1\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10d7 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d6\u10d4 \u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10e1 \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d8 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10db\u10d8\u10d4\u10ea\u10d0\u10d7.<\/li>\n\n\n\n<li><strong>\u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10dc\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10d1\u10d0\u10e0\u10d8\u10d4\u10e0\u10d4\u10d1\u10d8:<\/strong> \u10d4\u10d7\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10e3\u10db\u10ea\u10d8\u10e0\u10d4\u10e1\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da \u10d0\u10e0\u10ee\u10d4\u10d1\u10e1 \u10e1\u10dd\u10db\u10ee\u10e3\u10e0\u10d8, \u10d0\u10d6\u10d4\u10e0\u10d1\u10d0\u10d8\u10ef\u10d0\u10dc\u10e3\u10da\u10d8 \u10d3\u10d0 \u10d7\u10e3\u10e0\u10e5\u10e3\u10da\u10d8 \u10d4\u10dc\u10d4\u10d1\u10d8 \u10d3\u10d0\u10d4\u10db\u10d0\u10e2\u10d0. \u10d4\u10dc\u10dd\u10d1\u10e0\u10d8\u10d5\u10d0\u10d3 \u10d0\u10d3\u10d0\u10de\u10e2\u10d8\u10e0\u10d3\u10d0 \u10d1\u10d0\u10dc\u10d9\u10dd\u10db\u10d0\u10e2\u10d4\u10d1\u10d8 (ATM) \u10d3\u10d0 \u10d7\u10d5\u10d8\u10d7\u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e2\u10d4\u10e0\u10db\u10d8\u10dc\u10d0\u10da\u10d4\u10d1\u10d8\u10ea (SST). \u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10d0\u10db \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d4\u10d1\u10e8\u10d8 (\u10e1\u10d0\u10d3\u10d0\u10ee\u10da\u10dd, \u10d3\u10db\u10d0\u10dc\u10d8\u10e1\u10d8, \u10dc\u10d8\u10dc\u10dd\u10ec\u10db\u10d8\u10dc\u10d3\u10d0, \u10e7\u10d0\u10d1\u10d0\u10da\u10d8) 4 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d8 \u10d2\u10d0\u10d8\u10ee\u10e1\u10dc\u10d0.<\/li>\n\n\n\n<li><strong>\u10d0\u10d3\u10d0\u10de\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd \u10e3\u10e1\u10d8\u10dc\u10d0\u10d7\u10da\u10dd \u10de\u10d8\u10e0\u10d7\u10d0\u10d7\u10d5\u10d8\u10e1:<\/strong> 300 \u10d1\u10d0\u10dc\u10d9\u10dd\u10db\u10d0\u10e2\u10d8 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d4\u10d1\u10d8\u10d7 \u10d0\u10e6\u10d8\u10ed\u10e3\u10e0\u10d5\u10d0 \u10d3\u10d0 \u10d3\u10d0\u10d8\u10dc\u10d4\u10e0\u10d2\u10d0 \u10ee\u10d4\u10da\u10e8\u10d4\u10d9\u10e0\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d0\u10d9\u10d8\u10d7\u10ee\u10d5\u10d8\u10e1 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8, \u10e0\u10d0\u10ea \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1, \u10e1\u10e0\u10e3\u10da\u10d8\u10d0\u10d3 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10d0\u10d3 \u10e8\u10d4\u10d0\u10e1\u10e0\u10e3\u10da\u10dd\u10dc \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8. \u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0, \u10e0\u10dd\u10db \u10d1\u10d0\u10dc\u10d9\u10d8 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10dd\u10d1\u10d0\u10e1 \u10db\u10d7\u10d4\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10d7 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10e1: \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e1\u10d0 \u10d3\u10d0 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10e0\u10d0\u10d8\u10dd\u10dc\u10e8\u10d8 \u10e1\u10e3\u10da \u10db\u10ea\u10d8\u10e0\u10d4 <strong>\u10d4\u10e0\u10d7\u10d8 \u10d0\u10d3\u10d0\u10de\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d8 <\/strong>\u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d8\u10e0\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10ee\u10db\u10dd\u10d5\u10d0\u10dc \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d4\u10d1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10e2\u10d0\u10e5\u10e2\u10d8\u10da\u10e3\u10e0\u10d8 \u10d1\u10d8\u10da\u10d8\u10d9\u10d4\u10d1\u10d8\u10d7\u10d0\u10ea\u10d0\u10d0 \u10d0\u10e6\u10ed\u10e3\u10e0\u10d5\u10d8\u10da\u10d8.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10d8 \u10d7\u10d0\u10dd\u10d1\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d9\u10e3\u10da\u10e2\u10e3\u10e0\u10d0 \u10d0\u10d3\u10e0\u10d4\u10e3\u10da\u10d8 \u10d0\u10e1\u10d0\u10d9\u10d8\u10d3\u10d0\u10dc:<\/strong> <a href=\"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/ganatleba-moswavleebistvis\/5-mizezi-ratom-unda-gavuaqtiurot-bavshvebs-scoolapp\/\">sCoolApp<\/a> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0\u10d0 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea 186,000 \u10db\u10dd\u10d6\u10d0\u10e0\u10d3\u10d8 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1. \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da \u10e7\u10e3\u10da\u10d0\u10d1\u10d0\u10e1, \u10e8\u10d4\u10db\u10d4\u10ea\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d0\u10da\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10ef\u10d0\u10dc\u10e1\u10d0\u10e6 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e9\u10d5\u10d4\u10d5\u10d4\u10d1\u10e1 \u10d0\u10d3\u10e0\u10d4\u10e3\u10da\u10d8 \u10d0\u10e1\u10d0\u10d9\u10d8\u10d3\u10d0\u10dc\u10d5\u10d4 \u10d0\u10e7\u10d0\u10da\u10d8\u10d1\u10d4\u10d1\u10e1.<\/li>\n\n\n\n<li><strong>\u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d3\u10d0 \u10da\u10dd\u10d9\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d4\u10d1\u10d8:<\/strong> \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d8\u10d7 56-\u10db\u10d0 \u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10db\u10d0 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10db\u10d0 \u10db\u10d8\u10d8\u10e6\u10dd \u10d8\u10e1\u10d4\u10d7\u10d8 \u10de\u10e0\u10d4\u10e1\u10e2\u10d8\u10df\u10e3\u10da\u10d8 \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d4\u10d1\u10d8, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d4\u10d1\u10d8\u10ea\u10d0\u10d0: <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/fulbright-stipendia\/\">Fulbright,<\/a> <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/cheveningis-stipendia\/\">Chevening<\/a> \u10d3\u10d0 \u10dc\u10d8\u10d9\u10d0 \u10d2\u10e3\u10ef\u10d4\u10ef\u10d8\u10d0\u10dc\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d0 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/miami-ad-school-stipendia\/\">Miami Ad School<\/a>-\u10e8\u10d8. 350-\u10d6\u10d4 \u10db\u10d4\u10e2 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10e1 \u10d3\u10d0\u10e3\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d3\u10d0 \u10e1\u10ec\u10d0\u10d5\u10da\u10d0 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/ganatleba-studentebistvis\/sakartvelos-bankis-stipendia-sruli-gzamkvlevi-studentebistvis\/\">21 \u10d0\u10d3\u10d2\u10d8\u10da\u10dd\u10d1\u10e0\u10d8\u10d5 \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10e8\u10d8<\/a>. \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d8\u10dc\u10d8\u10ea\u10d8\u10d0\u10e2\u10d8\u10d5\u10d8\u10d7 \u10e8\u10d4\u10d8\u10e5\u10db\u10dc\u10d0 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/giorgi-chakhavas-stipendia\/\">\u10d2\u10d8\u10dd\u10e0\u10d2\u10d8 \u10e9\u10d0\u10ee\u10d0\u10d5\u10d0\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d0 <\/a>\u10d0\u10e0\u10e5\u10d8\u10e2\u10d4\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10ee\u10dd\u10da\u10dd \u10d7\u10d0\u10dc\u10d0\u10e1\u10ec\u10dd\u10e0\u10dd\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d4\u10dc\u10d3\u10d4\u10e0\u10e3\u10da\u10d8 \u10d1\u10d0\u10da\u10d0\u10dc\u10e1\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10d7 &#8211; <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/ai-stipendia\/\">AI \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d0 \u10e5\u10d0\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1<\/a>.<\/li>\n\n\n\n<li><strong>\u10d8\u10d3\u10d4\u10d0\u10d7\u10d4\u10d9\u10d4\u10d1\u10d8 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d4\u10d1\u10e8\u10d8:<\/strong> 11 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e8\u10d8 \u10e3\u10d9\u10d5\u10d4 26 <a href=\"https:\/\/bankofgeorgia.ge\/blog?s=%E1%83%98%E1%83%93%E1%83%94%E1%83%90%E1%83%97%E1%83%94%E1%83%99%E1%83%90\">\u10d8\u10d3\u10d4\u10d0\u10d7\u10d4\u10d9\u10d0<\/a> \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d8\u10e0\u10d4\u10d1\u10e1, \u10e0\u10d0\u10db\u10d0\u10ea 22,000-\u10d6\u10d4 \u10db\u10d4\u10e2 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10e1 \u10e8\u10d4\u10e3\u10e5\u10db\u10dc\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10d7\u10d0\u10dc \u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e1\u10d8\u10d5\u10e0\u10ea\u10d4.<\/li>\n\n\n\n<li><strong>\u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8 STEM \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0:<\/strong> \u10d9\u10dd\u10db\u10d0\u10e0\u10dd\u10d5\u10d8\u10e1 \u10e1\u10d9\u10dd\u10da\u10d0\u10e1\u10d7\u10d0\u10dc \u10de\u10d0\u10e0\u10e2\u10dc\u10d8\u10dd\u10e0\u10dd\u10d1\u10d8\u10d7 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10da <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/stem-skola\/\">STEM \u10e1\u10d9\u10dd\u10da\u10d0\u10e8\u10d8<\/a> 2023 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc 2,000-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4 \u10e9\u10d0\u10e0\u10d7\u10dd, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0 76% \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d8\u10e7\u10dd. 2025 \u10ec\u10d4\u10da\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10db\u10d0 60 \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4 \u10e1\u10e0\u10e3\u10da\u10d0\u10d3, 30 \u10d9\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10dd\u10d1\u10e0\u10d8\u10d5 \u10d3\u10d0\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d0, \u10ef\u10d0\u10db\u10e8\u10d8 \u10e1\u10e0\u10e3\u10da\u10d8 \u10e1\u10e2\u10d8\u10de\u10d4\u10dc\u10d3\u10d8\u10d0 \u10e3\u10d9\u10d5\u10d4 300-\u10db\u10d0 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10db \u10db\u10d8\u10d8\u10e6\u10dd.<\/li>\n\n\n\n<li><strong>\u10db\u10dd\u10db\u10d0\u10d5\u10da\u10d8\u10e1 \u10de\u10e0\u10dd\u10e4\u10d4\u10e1\u10d8\u10d4\u10d1\u10d8:<\/strong> GITA-\u10e1\u10d7\u10d0\u10dc \u10de\u10d0\u10e0\u10e2\u10dc\u10d8\u10dd\u10e0\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e3\u10da \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10e8\u10d8 &#8211; <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/code-it\/\">Code IT <\/a>&#8211; 2025 \u10ec\u10d4\u10da\u10e1 600 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4 \u10e9\u10d0\u10e0\u10d7\u10dd. \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d8\u10d0\u10dc \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10e3\u10e0 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0\u10d6\u10d4 \u10d7\u10d0\u10dc\u10d0\u10d1\u10d0\u10e0\u10d8 \u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e1\u10d0\u10e7\u10dd\u10e4\u10d0\u10d3 \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 \u10db\u10d7\u10d4\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10d7 16 \u10da\u10dd\u10d9\u10d0\u10ea\u10d8\u10d0\u10d6\u10d4 \u10e2\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d6\u10e0\u10e3\u10dc\u10d5\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d6\u10d4: \u10db\u10d4\u10e2\u10d8 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10d3\u10d0\u10ea\u10e3\u10da\u10d8 Work-Life Balance:<\/strong> \u10e1\u10d0\u10db\u10e3\u10e8\u10d0\u10dd \u10d3\u10d0 \u10de\u10d8\u10e0\u10d0\u10d3\u10d8 \u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d1\u10d0\u10da\u10d0\u10dc\u10e1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10dd \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10d7\u10d0\u10d5\u10d8\u10e1\u10e3\u10e4\u10d0\u10da\u10d8 \u10d3\u10e6\u10d4\u10d4\u10d1\u10e1, \u10d1\u10d8\u10e3\u10da\u10d4\u10e2\u10d4\u10dc\u10d6\u10d4 \u10d2\u10d0\u10e1\u10d5\u10da\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10e3\u10da \u10de\u10e0\u10dd\u10ea\u10d4\u10d3\u10e3\u10e0\u10d4\u10d1\u10e1 \u10d3\u10d0 200 \u10d3\u10e6\u10d4\u10db\u10d3\u10d4 \u10d0\u10dc\u10d0\u10d6\u10e6\u10d0\u10e3\u10e0\u10d4\u10d1\u10d0\u10d3 \u10d3\u10d4\u10d9\u10e0\u10d4\u10e2\u10e3\u10da \u10e8\u10d5\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1.<\/li>\n\n\n\n<li><strong>\u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10db\u10ee\u10e0\u10d8\u10d5\u10d8 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0 \u10d3\u10d0 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d4\u10d1\u10d0:<\/strong> \u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e1 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d0\u10d7\u10d8 \u10dd\u10ef\u10d0\u10ee\u10d8\u10e1 \u10ec\u10d4\u10d5\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10d6\u10e6\u10d5\u10d4\u10d5\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10e3\u10e0\u10d8\u10d3\u10d8\u10e3\u10da\u10d8 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10e1.<\/li>\n\n\n\n<li><strong>\u10d9\u10d0\u10e0\u10d8\u10d4\u10e0\u10e3\u10da\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10d8:<\/strong> 2025 \u10ec\u10d4\u10da\u10e1 \u10d5\u10d0\u10d9\u10d0\u10dc\u10e1\u10d8\u10d4\u10d1\u10d8\u10e1 62% \u10e8\u10d8\u10d3\u10d0 \u10d9\u10d0\u10d3\u10e0\u10d4\u10d1\u10d8\u10d7 \u10e8\u10d4\u10d0\u10d5\u10e1\u10dd, \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 \u10ec\u10d4\u10d5\u10e0\u10d4\u10d1\u10db\u10d0 \u10d8\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d4\u10e1 600-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10e1\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10dd \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d8\u10d7\u10d0 \u10d7\u10e3 MBA \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10d7.\u00a0<\/li>\n\n\n\n<li><strong>\u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10da\u10dd\u10d8\u10d0\u10da\u10dd\u10d1\u10d0 (eNPS):<\/strong> \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0 \u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10d3\u10d4\u10e5\u10e1\u10d8 59.3-\u10e1 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1 (\u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10d8\u10d7, 50-\u10e1 \u10d6\u10d4\u10db\u10dd\u10d7 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10e3\u10db\u10d0\u10e6\u10da\u10d4\u10e1 \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d0\u10e1 \u10d2\u10d0\u10dc\u10d4\u10d9\u10e3\u10d7\u10d5\u10dc\u10d4\u10d1\u10d0), \u10e0\u10d0\u10ea \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da \u10ef\u10d0\u10dc\u10e1\u10d0\u10e6 \u10e1\u10d0\u10db\u10e3\u10e8\u10d0\u10dd \u10d9\u10e3\u10da\u10e2\u10e3\u10e0\u10d0\u10d6\u10d4 \u10db\u10d8\u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 (SME) \u10d3\u10d0 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10dd\u10d1\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10ea\u10dd\u10d3\u10dc\u10d8\u10e1 \u10d2\u10d0\u10d6\u10d8\u10d0\u10e0\u10d4\u10d1\u10d0 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10db\u10d0 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0 <a href=\"http:\/\/businesscourse.ge\" target=\"_blank\" rel=\"noopener\">BusinessCourse.ge<\/a>-\u10d6\u10d4 63 \u10e1\u10d0\u10d2\u10d0\u10dc\u10db\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10da\u10dd \u10d9\u10e3\u10e0\u10e1\u10d8 \u10d2\u10d0\u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d0 (\u10d1\u10d0\u10d6\u10d0\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10ec\u10da\u10d8\u10e3\u10e0\u10d0\u10d3 10 \u10d0\u10ee\u10d0\u10da\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8 \u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0). 2025 \u10ec\u10d4\u10da\u10e1 \u10d4\u10e1 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d4\u10d1\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7 12,000-\u10db\u10d0 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10db\u10d0 \u10d3\u10d0\u10d0\u10e1\u10e0\u10e3\u10da\u10d0 (\u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1 7,500-\u10db\u10d0 \u10e5\u10d0\u10da\u10db\u10d0). \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d8\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10d3\u10d4\u10e5\u10e1\u10db\u10d0 (CSAT) \u10d9\u10d8 89%-\u10d8\u10d0\u10dc \u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10e1 \u10db\u10d8\u10d0\u10e6\u10ec\u10d8\u10d0.<\/li>\n\n\n\n<li><strong>\u10e5\u10d0\u10da\u10d7\u10d0 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d2\u10d0\u10eb\u10da\u10d8\u10d4\u10e0\u10d4\u10d1\u10d0:<\/strong> UNDP-\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 2022 \u10ec\u10d4\u10da\u10e1 \u10d3\u10d0\u10ec\u10e7\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1, \u201c\u10e5\u10d0\u10da \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10d7\u10d0 \u10e1\u10d9\u10dd\u10da\u10d8\u10e1\u201c \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8, \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10db \u10e5\u10d0\u10da \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10d4\u10d1\u10e1 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da\u10d8 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/biznesganatleba\/qal-mecarmeta-ganvitareb\/\">\u10d1\u10d8\u10d6\u10dc\u10d4\u10e1-\u10ea\u10dd\u10d3\u10dc\u10d0 \u10d3\u10d0 \u10db\u10d4\u10dc\u10e2\u10dd\u10e0\u10dd\u10d1\u10d0<\/a> \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10d0. \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0\u10db \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10e1 \u10d3\u10e6\u10d8\u10d3\u10d0\u10dc \u10e3\u10d9\u10d5\u10d4 300 \u10e5\u10d0\u10da\u10d8 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4 \u10d2\u10d0\u10d3\u10d0\u10d0\u10db\u10d6\u10d0\u10d3\u10d0.<\/li>\n\n\n\n<li><strong>B2B \u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0:<\/strong> \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10db\u10d0\u10e0\u10d9\u10d4\u10e2\u10e4\u10da\u10d4\u10d8\u10e1\u10d8\u10e1 (Business mBank-\u10d8\u10e1\u10d0 \u10d3\u10d0 iBank-\u10d8\u10e1) \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 \u10d1\u10d0\u10dc\u10d9\u10db\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10d8 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e1\u10d0\u10d9\u10dd\u10dc\u10e1\u10e3\u10da\u10e2\u10d0\u10ea\u10d8\u10dd \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10e1 \u10d3\u10d0\u10e3\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d0. 2025 \u10ec\u10d4\u10da\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0\u10d6\u10d4 100-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10de\u10d0\u10e0\u10e2\u10dc\u10d8\u10dd\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0 \u10d2\u10d0\u10dc\u10d7\u10d0\u10d5\u10e1\u10d3\u10d0, \u10e0\u10d8\u10d7\u10d0\u10ea 1,100-\u10db\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10db\u10d0 \u10d8\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d0. \u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0, \u10e8\u10d5\u10d4\u10d8\u10ea\u10d0\u10e0\u10d8\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10e1\u10d7\u10d0\u10dc (SDC) \u10d4\u10e0\u10d7\u10d0\u10d3, <strong>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8<\/strong> \u10d3\u10d0\u10d4\u10ee\u10db\u10d0\u10e0\u10d0 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e3\u10da \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10d3\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10e3\u10da \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10e8\u10d8 \u10d3\u10d0 2025 \u10ec\u10d4\u10da\u10e1 \u10d0\u10db \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10e3\u10e0 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10d0\u10e8\u10d8 3 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d8\u10e1 120 \u10db\u10ea\u10d8\u10e0\u10d4 \u10d3\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8 (SME) \u10e9\u10d0\u10e0\u10d7\u10dd.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d9\u10e3\u10da\u10e2\u10e3\u10e0\u10d0, \u10e1\u10de\u10dd\u10e0\u10e2\u10d8 \u10d3\u10d0 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10e1\u10de\u10dd\u10e0\u10e2\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/category\/ar-gacherde\/olimpiada\/\">\u10dd\u10da\u10d8\u10db\u10de\u10d8\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10de\u10d0\u10e0\u10d0\u10dd\u10da\u10d8\u10db\u10de\u10d8\u10e3\u10e0\u10d8 \u10d9\u10dd\u10db\u10d8\u10e2\u10d4\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10d0\u10e0\u10e2\u10dc\u10d8\u10dd\u10e0\u10d8\u10d0<\/a>. \u10d0\u10e1\u10d4\u10d5\u10d4 \u10e0\u10e9\u10d4\u10d1\u10d0 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/category\/ar-gacherde\/fekhburti\/\">\u10e4\u10d4\u10ee\u10d1\u10e3\u10e0\u10d7\u10d8\u10e1\u10d0<\/a> \u10d3\u10d0 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/category\/ar-gacherde\/kalatburti\/\">\u10d9\u10d0\u10da\u10d0\u10d7\u10d1\u10e3\u10e0\u10d7\u10d8\u10e1<\/a> \u10e4\u10d4\u10d3\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0 \u10e1\u10de\u10dd\u10dc\u10e1\u10dd\u10e0\u10d0\u10d3 \u10d3\u10d0 \u10db\u10ee\u10d0\u10e0\u10e1 \u10e3\u10ed\u10d4\u10e0\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d3\u10d8\u10d3 \u10d0\u10ee\u10d0\u10da\u10d2\u10d0\u10d6\u10e0\u10d3\u10e3\u10da \u10e2\u10e3\u10e0\u10dc\u10d8\u10e0\u10e1, \u10e1\u10d0\u10e1\u10d9\u10dd\u10da\u10dd \u10da\u10d8\u10d2\u10d0\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10e8\u10d8\u10ea \u10db\u10ee\u10dd\u10da\u10dd\u10d3 2025 \u10ec\u10d4\u10da\u10e1 20,000 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4 \u10e9\u10d0\u10d4\u10e0\u10d7\u10dd.<\/li>\n\n\n\n<li><strong>\u10d9\u10e3\u10da\u10e2\u10e3\u10e0\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0:<\/strong> \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10db\u10ee\u10d0\u10e0\u10e1 \u10e3\u10ed\u10d4\u10e0\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da \u10e1\u10d0\u10d1\u10d0\u10da\u10d4\u10e2\u10dd \u10d0\u10dc\u10e1\u10d0\u10db\u10d1\u10da\u10e1, <a href=\"https:\/\/bankofgeorgia.ge\/blog\/category\/ar-gacherde\/sukhishvilebi\/\"><strong>\u10e1\u10e3\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d4\u10d1\u10e1<\/strong><\/a>, 2025 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3\u10d0\u10d0 \u10e9\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10d0\u10dc\u10e1\u10d0\u10db\u10d1\u10da\u10d8\u10e1 80 \u10ec\u10da\u10d8\u10e1 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/solo\/khelovneba-da-kultura\/triumpis-80-tseli-sukhishvilebis-legendaruli-memkvidreoba\/\">\u10e1\u10d0\u10d8\u10e3\u10d1\u10d8\u10da\u10d4\u10dd \u10e6\u10dd\u10dc\u10d8\u10e1\u10eb\u10d8\u10d4\u10d1\u10d4\u10d1\u10e8\u10d8<\/a>. \u10da\u10d8\u10e2\u10d4\u10e0\u10d0\u10e2\u10e3\u10e0\u10d8\u10e1 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e1\u10d0\u10d6\u10e0\u10d3\u10d4\u10da\u10d0\u10d3 \u10d9\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10e1 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/tbilisis-tsignis-dgheebi\/\"><strong>\u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10ec\u10d8\u10d2\u10dc\u10d8\u10e1 \u10d3\u10e6\u10d4\u10d4\u10d1\u10d7\u10d0\u10dc<\/strong><\/a>, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea 2025 \u10ec\u10d4\u10da\u10e1 12,500-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0\u10d4\u10e1\u10ec\u10e0\u10dd.<\/li>\n\n\n\n<li><strong>\u10db\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10de\u10e0\u10dd\u10e4\u10d4\u10e1\u10d8\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d0\u10e1\u10d4\u10d1\u10d0:<\/strong> \u10de\u10d4\u10d3\u10d0\u10d2\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e0\u10e9\u10d4\u10e3\u10da\u10d8 \u10ec\u10d5\u10da\u10d8\u10da\u10d8\u10e1 \u10d0\u10e6\u10d8\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10dd\u10e4\u10d4\u10e1\u10d8\u10d8\u10e1 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10d7, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/tag\/mastsavleblis-erovnuli-jildo\/\"><strong>\u10db\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d1\u10da\u10d8\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10ef\u10d8\u10da\u10d3\u10dd\u10e1<\/strong><\/a> \u10db\u10d7\u10d0\u10d5\u10d0\u10e0 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10db\u10ed\u10d4\u10e0\u10d0\u10d3 \u10e0\u10e9\u10d4\u10d1\u10d0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Governance (G) &#8211; \u10d2\u10d0\u10db\u10ed\u10d5\u10d8\u10e0\u10d5\u10d0\u10da\u10d4 \u10d3\u10d0 \u10d4\u10d7\u10d8\u10d9\u10e3\u10e0\u10d8 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0<\/strong><\/h2>\n\n\n\n<p>\u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10d2\u10d0\u10db\u10ed\u10d5\u10d8\u10e0\u10d5\u10d0\u10da\u10dd\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e4\u10e3\u10dc\u10d3\u10d0\u10db\u10d4\u10dc\u10e2\u10d8\u10d0. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10db\u10d8\u10e2\u10dd\u10db, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10e8\u10d8 ESG \u10d6\u10d4\u10d3\u10d0\u10db\u10ee\u10d4\u10d3\u10d5\u10d4\u10da\u10dd\u10d1\u10d0\u10e1 \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10d3\u10d8\u10e0\u10d4\u10e5\u10e2\u10dd\u10e0\u10d7\u10d0 \u10e1\u10d0\u10d1\u10ed\u10dd (\u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1, ESG \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d4\u10d1\u10d8\u10e1 \u10d4\u10e5\u10e1\u10de\u10d4\u10e0\u10e2 \u10d9\u10d0\u10e0\u10d8\u10dc\u10d4 \u10f0\u10d8\u10e0\u10dc\u10d8\u10e1 \u10e9\u10d0\u10e0\u10d7\u10e3\u10da\u10dd\u10d1\u10d8\u10d7) \u10d3\u10d0 \u10d2\u10d4\u10dc\u10d4\u10e0\u10d0\u10da\u10e3\u10e0\u10d8 \u10d3\u10d8\u10e0\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10ee\u10d4\u10da\u10db\u10eb\u10e6\u10d5\u10d0\u10dc\u10d4\u10da\u10dd\u10d1\u10d8\u10d7 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10da\u10d8 ESI \u10d9\u10dd\u10db\u10d8\u10e2\u10d4\u10e2\u10d8 \u10db\u10d0\u10e0\u10d7\u10d0\u10d5\u10e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1 \u10e1\u10e2\u10d0\u10dc\u10d3\u10d0\u10e0\u10e2\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10db\u10dd\u10dc\u10d8\u10e2\u10dd\u10e0\u10d8\u10dc\u10d2\u10d8<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10db\u10d9\u10d0\u10ea\u10e0\u10d8 \u10d0\u10dc\u10e2\u10d8\u10d9\u10dd\u10e0\u10e3\u10e4\u10ea\u10d8\u10e3\u10da\u10d8 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d0:<\/strong> 2025 \u10ec\u10d4\u10da\u10e1 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 100%-\u10db\u10d0 \u10d2\u10d0\u10d8\u10d0\u10e0\u10d0 \u10d0\u10dc\u10e2\u10d8\u10d9\u10dd\u10e0\u10e3\u10e4\u10ea\u10d8\u10e3\u10da\u10d8 \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d8, \u10db\u10d4\u10e5\u10e0\u10d7\u10d0\u10db\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d0\u10dc \u10d9\u10dd\u10e0\u10e3\u10e4\u10ea\u10d8\u10d8\u10e1 \u10d8\u10dc\u10ea\u10d8\u10d3\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8 \u10d9\u10d8 \u10d0\u10e0 \u10d3\u10d0\u10e4\u10d8\u10e5\u10e1\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d0. \u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10d7\u10d0 \u10d9\u10dd\u10dc\u10e4\u10da\u10d8\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10e0\u10d8\u10ea\u10ee\u10d0\u10d3, \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8 Arm&#8217;s length \u10de\u10e0\u10d8\u10dc\u10ea\u10d8\u10de\u10d8\u10d7 \u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d3\u10d4\u10d1\u10d0 &#8211; \u10d8\u10e1\u10d4\u10d7\u10d8\u10d5\u10d4 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10d7, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10d4\u10da \u10db\u10ee\u10d0\u10e0\u10d4\u10d4\u10d1\u10e1 \u10e8\u10dd\u10e0\u10d8\u10e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d3\u10d0\u10dc\u10d0\u10e8\u10d0\u10e3\u10da\u10d8\u10e1 \u10de\u10e0\u10d4\u10d5\u10d4\u10dc\u10ea\u10d8\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d3\u10d0\u10dc\u10d0\u10e8\u10d0\u10e3\u10da\u10d8\u10e1 \u10de\u10e0\u10d4\u10d5\u10d4\u10dc\u10ea\u10d8\u10d0:<\/strong> 2025 \u10ec\u10d4\u10da\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 100%-\u10db\u10d0 \u10d2\u10d0\u10d8\u10d0\u10e0\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d4\u10d7\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e2\u10d4\u10e0\u10dd\u10e0\u10d8\u10d6\u10db\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e6\u10d9\u10d5\u10d4\u10d7\u10d8\u10e1 (AML\/CFT) \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d8. \u10ec\u10da\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d4\u10d7\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e0\u10ea\u10d4\u10e0\u10d7\u10d8 \u10d8\u10dc\u10ea\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8 \u10d0\u10e0 \u10d3\u10d0\u10e4\u10d8\u10e5\u10e1\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d0.<\/li>\n\n\n\n<li><strong>\u10e1\u10d0\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10d9\u10d0\u10ea\u10e0\u10d8 \u10d9\u10dd\u10dc\u10e2\u10e0\u10dd\u10da\u10d8:<\/strong> \u10d1\u10d0\u10dc\u10d9\u10d8 \u10db\u10d9\u10d0\u10ea\u10e0\u10d0\u10d3 \u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10e1 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10e0\u10d8\u10ea\u10ee\u10d0\u10d5\u10e1 \u10db\u10d0\u10d7\u10d8 \u10d2\u10d5\u10d4\u10e0\u10d3\u10d8\u10e1 \u10d0\u10d5\u10da\u10d8\u10e1 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10db\u10ea\u10d3\u10d4\u10da\u10dd\u10d1\u10d0\u10e1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d7\u10d0 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10e3\u10e4\u10da\u10d4\u10d1\u10d4\u10d1\u10d8<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li><strong>\u10d9\u10d8\u10d1\u10d4\u10e0\u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d4\u10d1\u10d0 (ISO 27001):<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 \u10e4\u10da\u10dd\u10d1\u10e1 ISO 27001 \u10e1\u10d4\u10e0\u10e2\u10d8\u10e4\u10d8\u10d9\u10d0\u10e2\u10e1, \u10e0\u10d0\u10ea \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1 \u10de\u10d4\u10e0\u10e1\u10dd\u10dc\u10d0\u10da\u10e3\u10e0\u10d8 \u10d7\u10e3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10d0\u10e6\u10d8\u10d0\u10e0\u10d4\u10d1\u10e3\u10da\u10d8, \u10e3\u10db\u10d9\u10d0\u10ea\u10e0\u10d4\u10e1\u10d8 \u10de\u10e0\u10dd\u10e2\u10dd\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10d7. 2025 \u10ec\u10d4\u10da\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d7\u10d0 \u10d2\u10d0\u10df\u10dd\u10dc\u10d5\u10d8\u10e1 (Data Breach) \u10d0\u10e0\u10ea\u10d4\u10e0\u10d7\u10d8 \u10d8\u10dc\u10ea\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8 \u10d0\u10e0 \u10d3\u10d0\u10e4\u10d8\u10e5\u10e1\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d0.<\/li>\n\n\n\n<li><strong>\u10de\u10d4\u10e0\u10e1\u10dd\u10dc\u10d0\u10da\u10e3\u10e0\u10d8 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0 (Data Privacy):<\/strong> 2025 \u10ec\u10d4\u10da\u10e1 \u10d2\u10e3\u10dc\u10d3\u10d8\u10e1 100%-\u10db\u10d0 \u10d2\u10d0\u10d8\u10d0\u10e0\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d4\u10d1\u10d8\u10e1, \u10d8\u10e1\u10d4 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d7\u10d0 \u10d9\u10dd\u10dc\u10e4\u10d8\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 e-learning \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8. \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d7\u10d0\u10dc \u10db\u10dd\u10db\u10e3\u10e8\u10d0\u10d5\u10d4 130 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10de\u10d8\u10e0\u10d8\u10e1\u10de\u10d8\u10e0 (Face-to-face) \u10e2\u10e0\u10d4\u10dc\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 \u10e9\u10d0\u10e2\u10d0\u10e0\u10d3\u10d0.<\/li>\n\n\n\n<li><strong>\u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d8\u10dc\u10d3\u10d4\u10e5\u10e1\u10d8 (NPS):<\/strong> \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10d0 76-\u10e1 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1. \u10e3\u10d9\u10e3\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d8\u10e1 \u10e1\u10d0\u10db\u10d0\u10e0\u10d7\u10d0\u10d5\u10d0\u10d3 \u10d1\u10d0\u10dc\u10d9\u10d8 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0 Medallia-\u10e1 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 (\u10ec\u10d4\u10da\u10d8\u10ec\u10d0\u10d3\u10e8\u10d8 750,000-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7).<\/li>\n\n\n\n<li><strong>\u10d4\u10d7\u10d8\u10d9\u10e3\u10e0\u10d8 \u10ee\u10d4\u10da\u10dd\u10d5\u10dc\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e2\u10d4\u10da\u10d4\u10e5\u10e2\u10d8:<\/strong> \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d8\u10da\u10d8\u10d0 GenAI-\u10d8\u10e1 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd \u10d3\u10d0 \u10d4\u10d7\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d0.<\/li>\n<\/ul>\n\n\n\n<p>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10ee\u10d5\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d6\u10d8\u10e1 \u10d2\u10d0\u10db\u10d9\u10d5\u10d0\u10da\u10d0\u10d5\u10d8 \u10d8\u10dc\u10e1\u10e2\u10d8\u10e2\u10e3\u10e2\u10d8\u10e1, \u10db\u10d8\u10e1\u10d8\u10d0 \u10d8\u10db \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0\u10d0, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1, \u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10d8 \u10db\u10dd\u10db\u10d0\u10d5\u10da\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10d4\u10dc \u10ee\u10d4\u10da\u10e1. ESG \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d0 \u10d3\u10d0 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d4\u10d1\u10d8 \u10d0\u10db \u10db\u10d8\u10e1\u10d8\u10d8\u10e1\u10d9\u10d4\u10dc \u10d2\u10d0\u10d3\u10d0\u10d3\u10d2\u10db\u10e3\u10da\u10d8 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10d4\u10e0\u10d7\u10d8 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10dc\u10d0\u10d1\u10d8\u10ef\u10d8\u10d0.&nbsp;<\/p>\n\n\n\n<p>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8\u10ea \u10d0\u10e0 \u10d0\u10de\u10d8\u10e0\u10d4\u10d1\u10e1 \u10d2\u10d0\u10e9\u10d4\u10e0\u10d4\u10d1\u10d0\u10e1, \u10ee\u10d4\u10d3\u10d5\u10d0 \u10e3\u10ea\u10d5\u10da\u10d4\u10da\u10d8\u10d0, \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10e3\u10e0\u10d8: \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0, \u10e1\u10e0\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d0\u10d3 \u10d4\u10dc\u10d4\u10e0\u10d2\u10d8\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d5\u10da\u10d0, \u10d7\u10d0\u10dc\u10d0\u10d1\u10e0\u10d0\u10d3 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8, \u10d8\u10dc\u10d9\u10da\u10e3\u10d6\u10d8\u10e3\u10e0\u10d8 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0, \u10db\u10d4\u10e2\u10d8 \u10d9\u10e3\u10da\u10e2\u10e3\u10e0\u10e3\u10da-\u10e1\u10d0\u10d2\u10d0\u10dc\u10db\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10da\u10dd \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0 \u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10e4\u10d4\u10e0\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10d0\u10db \u10d8\u10dc\u10d8\u10ea\u10d8\u10d0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 \u10d9\u10d8 \u10d8\u10e1\u10d4\u10d7\u10d8 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10d0, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d0 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10e0\u10d4\u10e1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d9\u10d4\u10d7\u10d8\u10da\u10d3\u10e6\u10d4\u10dd\u10d1\u10d8\u10e1 \u10db\u10d0\u10db\u10dd\u10eb\u10e0\u10d0\u10d5\u10d4\u10d1\u10d4\u10da\u10d8 \u10eb\u10d0\u10da\u10d0 \u10d2\u10d0\u10ee\u10d3\u10d4\u10d1\u10d0.<\/p>\n","protected":false},"excerpt":{"rendered":"\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 2025 \u10ec\u10da\u10d8\u10e1 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 (ESG) \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1\u10d3\u10d0\u10ea\u10d5\u10d8\u10d7, \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0 \u10d3\u10d0 \u10db\u10db\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10d7 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e3\u10da \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10e1.","protected":false},"author":4,"featured_media":44065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1408],"tags":[577,980,1393],"class_list":["post-44064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chveni-ambebi","tag-socialuri-pasukhismgebloba","tag-ganatlebis-shesadzleblobebi","tag-garemoze-zrunva"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/44064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/comments?post=44064"}],"version-history":[{"count":3,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/44064\/revisions"}],"predecessor-version":[{"id":44178,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/44064\/revisions\/44178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/44065"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=44064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=44064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=44064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}