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Analіz bankіvskoї dіyalnostі - Gerasimov AM
3.5. Analіz string depozitіv
Zrostannya chastki string depozitіv (nezvazhayuchi to those scho tse bіlsh expensive resource) on the positive vplivaє lіkvіdnіst balance that spriyaє stіykostі that nadіynostі resursnoї bazi.
Analіz string depozitіv held for Relief Sistemi pokaznikіv.
1. Oborotnіst deposit vkladen. Tsey pokaznik harakterizuє Quantity oborotіv scho zdіysnyuyut depozitnі vkladennya for Pevnyi perіod, i rozrahovuєtsya of the formula:
2. Turnover in one Trivalіst deposit vkladen have recently (abo serednіy termіn zberіgannya vkladenih koshtіv). For yogo rozrahunku vikoristovuєtsya formula:
Danian pokaznik vіdbivaє in dinamіtsі stabіlnіst vkladіv scho Duzhe vazhlivo for otsіnyuvannya vkladіv yak resursіv korotkostrokovogo kredituvannya. Chim bіlshy Tsey pokaznik, team stabіlnіsha resource base. Tobto Positive vvazhaєtsya tendentsіya upovіlnennya oborotnostі deposit vkladіv.
3. Rіven osіdannya deposit vkladen:
Tsey koefіtsієnt guilty rozrahovuvatisya on kіlka dates dwellers prostezhiti zagalnu tendentsіyu (povedіnku) vkladіv. Rozrahunok koefіtsієnta tіlki on Dvi zvіtnі dati (one perіod) Mauger prizvesti to pomilkovogo tlumachennya real podіy.
4. b:
Pokaznik harakterizuє serednіy "vіk" depozitіv.
5. Koefіtsієnt nestabіlnostі depozitіv:
Danian koefіtsієnt harakterizuє rіven dostrokovo viluchenih string depozitіv. Znizhennya serednogo termіnu vikoristannya depozitіv in poєdnannі Zi digit koefіtsієntom nestabіlnostі (bіlshe 10%) talk about posilennya nestabіlnostі depozitnoї bazi, scho negatively on vplivaє lіkvіdnіst bank.
6. Koefіtsієnt vikoristannya depozitіv:
Tsey koefіtsієnt pokazuє, yaky percentage od zagalnogo obsyagu zaluchenih resursіv rozmіscheny in loans. Yakscho koefіtsієnt perevischuє 75%, the tse svіdchit about rizikovanu Aggressive Credit polіtiku bank. Yakscho Well vіn less then 65%, about tse svіdchit Passive Credit polіtiku.
7. Rіven diversifіkatsії depozitіv:
Rіven diversifіkatsії depozitіv viznachaєtsya kіlkіstyu that Pete vagoyu great depozitіv, SSMSC zbіlshuyut rizik vtrat that have torn down lіkvіdnostі vipadku dostrokovogo viluchennya deposit. Suma vsіh great depozitіv not guilty perevischuvati rozmіr kapіtalu bank. Before the great deposit nalezhit deposit Ponad 10% od rozmіru Vlasnyi kapіtalu bank. Zanadto Visokiy rіven diversifіkatsії depozitіv uskladnyuє upravlіnnya deposit bazoyu. Optimally Tsey rіven vvazhaєtsya todі, if zagalna scrip great depozitіv not perevischuє rozmіru kapіtalu bank.
8. Vіdnosna vitratnіst depozitіv:
Tsey pokaznik pokazuє, skіlki Bank vitrachaє koshtіv on skin hryvnia zaluchenih resursіv in viglyadі string depozitіv. Factuality yogo values dorіvnyuє serednozvazhenіy protsentnіy stavtsі for deposits. For otsіnyuvannya vigіdnostі danogo mind resursіv yogo neobhіdno porіvnyuvati іz vitratnіstyu іnshih zaluchenih koshtіv that dohіdnіstyu Credit vkladen.
Ban ki povinnі his mother strategіyu pіdtrimannya stіykostі depozitіv. Some of the elements Vazhlivimi takoї strategії Je pіdvischennya of Quality obslugovuvannya klієntіv, stabіlnіst percent dwellers klієnti zalishalisya vіrnimi bank in perіod krizovoe situatsіy.
Costa, scho yak zaluchayutsya komertsіynimi banks deposits string up a rock, mozhut in Pevnyi ekonomіchnih furrows vikoristovuvatisya not tіlki for vidachі korotkostrokovih pozik and minutes for nadannya їh on bіlsh trivaly lines. To dwellers ustanoviti Mezhuyev, within yakoї mozhlive spryamuvannya korotkostrokovih resursіv on seredno- i dovgostrokove kredituvannya, banks rozrahovuєtsya koefіtsієnt transformatsії korotkostrokovih pozik in dovgostrokovі for with such a formula:
%;
de KT - koefіtsієnt transformatsії;
Up - debits s vidachі korotkostrokovih pozik string up a rock;
Co - credit turnovers s nadhodzhennya koshtіv depozitnі rahunki to string up a rock.
Rozglyanemo butt rozrahunku oborotnostі depozitіv on digital prikladі.
Table 3.5 Analіz oborotnostі depozitіv fіzichnih osіb
Pokazniki | 2001 p. |
2002 p. |
Vіdhilennya |
1. Zalishki depozitіv on the cob perіodu |
25312 |
77365 |
+52 053 |
2. Turnover s nadhodzhennya depozitіv (credit turnover) |
175265 |
135831 |
-39,434 |
3. Turnover s Povernennya depozitіv (debits) |
123212 |
148824 |
+25 612 |
4. Zalishok depozitіv on kіnets perіodu |
77365 |
64372 |
-12,993 |
5. Serednіy zalishok deposit vkladіv |
51 338.8 |
70 868.5 |
+19 530 |
6. Quantity oborotіv scho zdіysnyuyut deposits for perіod |
2.4 |
2.1 |
-0.3 |
7. Trivalіst of deposit turnover (dnіv) |
152 |
174 |
22 |
Yak seen danih s Table. 3.5 shvidkіst oborotnostі deposit vkladіv for analіzovany perіod upovіlnilas. So, Quantity oborotіv depozitіv at 2001 p. It becomes 2.4 times, and in 2002, p. - 2.1 times. Vіdpovіdno trivalіst one turnover in days zbіlshilas іz dnіv 152 to 174 dnіv, abo 22 dnі. Je Tse, bezumovno positively tendentsієyu i spriyaє pіdvischennyu lіkvіdnostі bank that vivіlnyaє kreditnі resources s turnover. Zbіlshennya trivalostі of deposit turnover svіdchit about those scho zbіlshuєtsya serednіy termіn zberezhennya deposit vkladen on rahunkah bank. Zbіlshennya trivalostі deposit vkladen daє zmogu banks vkladati tsі resources in bіlsh dovgі loans i spriyaє pіdvischennyu lіkvіdnostі bank.
Umovne vivіlnennya abo umovne zaluchennya koshtіv s turnover vnaslіdok zmіni shvidkostі oborotnostі depozitіv rozrahovuєtsya of the formula:
de t1, t0 - trivalіst a turnover of deposit vіdpo- days
vіdno zvіtnomu from that baseline perіodah;
O01dn. - Odnodenny turnover depozitіv (debit) for Povernennya;
DB - umovne vivіlnennya resursіv;
DZ - umovne zaluchennya resursіv.
Unaslіdok upovіlnennya oborotnostі vkladen deposit at the bank vіdbuvaєtsya umovne vivіlnennya resursіv:
Pid hour analіzu koefіtsієnta osіdannya koshtіv on deposit rahunkah is seen in the basal scho 2001 p. koefіtsієnt osіdannya becomes 0.297:
and zvіtnomu 2002 p. - -0.096:
Oznachaє Tse, scho in the basal rotsі hryvnia on the skin, at scho nadіyshla depozitnі contribution to rahunkah bank osіdalo (zalishalos) 30 kopіyok have zvіtnomu rotsі Bula zvorotna tendentsіya i on skin hryvnia pributku CCB vіdpliv koshtіv 10 kopіyok. For zagalnoї pozitivnoї otsіnki depozitnoї dіyalnostі bank marketing managers vіddіlu neobhіdno zvernuti uwagi on posilennya the robot schodo zaluchennya novih vkladіv, іnakshe podіbna tendentsіya Mauger prizvesti to skorochennya resursnoї bazi bank.
Proanalіzuєmo stupіn stabіlnostі depozitіv fіzichnih osіb (tab. 3.6).
Analіz nestabіlnostі depozitіv fіzichnih osіb
Pokazniki | 2001 p. |
2002 p. |
Vіdhilennya |
1. Quantity vіdkritih deposit dogovorіv for perіod |
40571 |
37455 |
-3116 |
2. Zagalna scrip nadhodzhen deposit vkladіv |
175265 |
135831 |
-39,434 |
3. Quantity dostrokovo viluchenih depozitіv to zakіnchennya dії termіnu lands: |
|||
Quantity rahunkіv (Closed-dogovorіv) |
2109 |
1798 |
-311 |
zagalna suma |
7016 |
4401 |
-2615 |
4. Koefіtsієnt nestabіlnostі: |
|||
for sumoyu% |
4.0 | <Td width = "57"> -0.8 |
|
kіlkіstyu deposit for land,% |
5.2 |
4.8 |
-0.4 |
Danі Table. 3.6 svіdchat about pіdvischennya stabіlnostі depozitіv. So, koefіtsієnt nestabіlnostі depozitіv, rozrahovany vihodyachi іz sumi deposit vkladen at baseline perіodі becomes 4.0%, while zvіtnomu rotsі - 3.3%, tobto zmenshivsya 0.8 percentage punktіv. Analogіchnі visnovki mozhna zrobiti stosovno koefіtsієnta, rozrahovanogo vihodyachi іz kіlkostі dostrokovo Closed-land. In 2001 r. vіn becomes 5.2%, and in 2002 p. - 4.8%. Neznachny vіdhilennya mіzh tsimi EYAD koefіtsієntami svіdchit about those scho bіlshoyu mіroyu dostrokovo viluchalisya nevelikі deposits. Tse suttєvo not vplinulo on pogіrshennya stabіlnostі resursnoї bazi bank.
Zavershalnim Etap analіzu string depozitіv Je viznachennya їh vіdnosnoї vartostі, tobto koefіtsієnta vitratnostі danogo resursіv mind.
table 3.7
Analіz vіdnosnoї vartostі depozitіv
Pokazniki | 2001 p. |
2002 p. |
Vіdhilennya |
1. Zalishki depozitіv on the cob perіodu |
25312 |
77365 |
+52 053 |
2. Zalishok depozitіv on kіnets perіodu |
77365 |
64372 |
-12,993 |
3. Serednіy zalishok depozitіv for perіod |
51 338.8 |
70 868.5 |
+19 530 |
4. Splachenі percent for deposits |
12835 |
15591 |
2756 |
5. Vitratnіst string depozitіv |
0.25 |
0.22 |
-0.03 |
For danimi Table. 3.7 shows scho vitratnіst depozitіv znizilas 3%. So, the baseline becomes perіodu Won 25%:
and at zvіtnomu perіodі vitratnіst znizilas to 22%:
Protsentnі vitrati deposits of stale od dvoh faktorіv: obsyagu zaluchenih string depozitіv that serednoї protsentnoї rates for deposits (serednoї vitratnostі string depozitіv).
Factorial analіz zmіni interest vitrat bank for deposits held for a string with such a factorial Modell:
W = Q • B, de W - protsentnі vitrati;Q - obsyag zaluchenih depozitіv;
B - vіdnosna vartіst depozitіv.
Provedemo analіz zmіni zagalnoї sumi vitrat schodo zaluchennya depozitіv for Relief procedures Absolute rіznits.
For analіzovany perіod vitrati on zaluchennya deposit vkladen zbіlshilisya on 2756 tis. UAH (15 591 - 12 835), in addition chislі for rakhunok:- zbіlshennya obsyagu zaluchennya depozitіv (serednogo zalishku vkladen deposit) - on 4882 tis. UAH:
W = (Q1 - Q0) • B = (+19 530) • 0,25 = +4882;
2) zmenshennya serednoї vitratnostі depozitіv (serednoї protsentnoї rates for deposits) - by 2126 tis. UAH:
W = Q1 • (B1 - B0) = 70 868,5 • (-0,03) = -2126.
Analіzuyuchi Reason for Change of Chi іnshogo pokaznika, neobhіdno viokremiti factors scho stale od zusil of the bank, that nezalezhnі (zovnіshnі) factors.
Analіz іnshih warehouses string depozitіv held for analogіchnoyu scheme.
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