.DPSLQLV ÍOLIXRNOLV /)( /)5$ /)5&
*DUDQWLMD
3HUNDQW QDXM¹ ºUDQNº )/(; VXWHLNLD PHWÖ
JDPLQWRMR JDUDQWLM¹ QXR ºUDQNLR SDUGDYLPR
GDWRV YDUWRWRMXL *DUDQWLQLDL ºVLSDUHLJRMLPDL
JDOLRMD WLN JDP\ERV DU PHGÜLDJÖ GHIHNWÖ
DWYHMX DUED MHL VDY\EÇV QHDWLWLQND
GHNODUXRMDPÖ 3DUHLÍNLDQW JDUDQWLQHV
SUHWHQ]LMDV UHLNLD SULGÇWL SLUNLPR ÃHNº
VX QXURG\WD SLUNLPR GDWD *DUDQWLQLV
UHPRQWDV DWOLHNDPDV WLN )/(; ºJDOLRWRVH
VHUYLVR GLUEWXYÇVH *DUDQWLQLDL
ºVLSDUHLJRMLPDL JDOLRMD WLN WXR DWYHMX MHL
ºUDQNLV EXYR QDXGRMDPDV SDJDO SDVNLUWº
*DUDQWLMD QHJDOLRMD QDWÙUDODXV
VXVLGÇYÇMLPR DWYHMX MHL ºUDQNLV EXYR
QDXGRMDPDV QH SDJDO SDVNLUWº MHL ºUDQNLV
YLVLÍNDL DU GDOLQDL LÍDUG\WDV DUED VXJHGR
GÇO WR NDG EXYR SHUNUDXWDV MHL EXYR
QDXGRMDPL MDP QHVNLUWL VXJHGÁ DU
QHWHLVLQJDL QDXGRMDPL SULHGDL MHL ÜDOD
NOLHQWDPV DU WUHWLHVLHPV DVPHQLPV
DWVLUDGR GÇO ºUDQNLR SRYHLNLR SULHGXL DU
GHWDOHL QDXGRMDQW MÇJ¹ GÇO QDXGRMLPR QH
SDJDO SDVNLUWº DU QHSDNDQNDPR WHFKQLQLR
DSWDUQDYLPR MHL \UD SDÜHLGLPÖ GÇO LÍRULQLR
DU VYHWLPNÙQLÖ SRYHLNLR SY] VPÇOLR DU
DNPHQÇOLÖ GÇO WR NDG QHEXYR ODLNRPDVL
LQVWUXNFLMRV QXURG\PÖ SY] ºUDQNLV EXYR
MXQJLDPDV º QH WRV ºWDPSRV DU QH WRV VURYÇV
UÙÍLHV WLQNO¹
JDUDQWLQLXV ºVLSDUHLJRMLPXV QHºHLQD ÜDORV
DWO\JLQLPDV MHL ML SDGDU\WD GÇO ºUDQNLR
SRYHLNLR SULHGXL DU DSGRURMDPDL
PHGÜLDJDL GÇO WR NDG EXYR QDXGRMDPD
SHUQHO\J GLGHOÇ MÇJD GÇO QHSDNDQNDPRV
ºUDQNLR SULHÜLÙURV DU QHWHLVLQJR WHFKQLQLR
DSWDUQDYLPR NXUº DWOLNR NOLHQWDV DU WUHWLHML
DVPHQ\V GHIHNWÖ DWVLUDGXVLÖ GÇO LÍRULQLR
SRYHLNLR DU GÇO VYHWLPNÙQLÖ SY] VPÇOLR
DU DNPHQXNÖ SRYHLNLR DUED GHIHNWÖ
DWVLUDGXVLÖ GÇO WR NDG QHEXYR ODLNRPDVL
LQVWUXNFLMRV QXURG\PÖ SY] SULMXQJXV SULH
QH WRV ºWDPSRV DU QH WRV VURYÇV UÙÍLHV
WLQNOR DWYHMX *DUDQWLQLDL ºVLSDUHLJRMLPDL
SULHGDPV LU UHLNPHQLPV JDOLRMD WLN WDGD MHL
MLH EXYR QDXGRMDPL VX ºUDQNLX VX NXULXR MLH
VNLUWL DUED OHLGÜLDPL QDXGRWL
$WVDNRP\EÇV SDÍDOLQLPDV
*DPLQWRMDV LU MR DWVWRYDL QHDWVDNR XÜ
QXRVWROLXV LU QHJDXW¹ SHOQ¹ GÇO GDUELQÇV
YHLNORV QXWUDXNLPR NXUº VXNÇOÇ ºUDQNLV
DUED QHWLQNDPDV ºUDQNLR QDXGRMLPDV
*DPLQWRMDV LU MR DWVWRYDL QHDWVDNR XÜ
QXRVWROLXV MHLJX ºUDQNLV EXYR QDXGRMDPDV
QH SDJDO SDVNLUWº DUED NDUWX VX NLWÖ
JDPLQWRMÖ JDPLQLDLV
185