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Analіz bankіvskoї dіyalnostі - Gerasimov AM
3.8. Analіz efektivnostі formuvannya that vikoristannya bankіvskih resursіv
In the minds of becoming fіnansovogo market analysis in Ukraїnі, restrukturizatsії bankіvskoї system komertsіynі banks povinnі zdіysnyuvati zvazhenu realіstichnu strategіyu away rozvitku, adaptovanogo to vimog market analysis. Vibіr optimal high road formuvannya resursnoї bazi, yaky vrahovuvatime adequacy ekonomіchnu situatsіyu i spriyatime nadіynomu rozv'yazannyu Dilema "pributkovіst-lіkvіdnіst" Yea one s basic zavdan komertsіynogo bank.
For otsіnyuvannya efektivnostі that povnoti vikoristannya Bank svoїh zobov'yazan zastosovuyutsya takі pokazniki:
- stupіn vikoristannya Pay pasivіv;
- stupіn vikoristannya sukupnih zobov'yazan.
Analіz guidance pokaznikіv zdіysnyuєtsya in dinamіtsі and takozh porіvnyuyuchi faktichnі pokazniki s їh normative values. For rozrahunku vplivu faktorіv on pokazniki efektivnostі vikoristannya zobov'yazan bank vikoristovuєtsya sposіb lantsyugovih pіdstanovok.
Stupіn vikoristannya Pay pasivіv bank viznachaєtsya for with such a formula:
Yak pokazuє practice standard vikoristannya Pay pasivіv Got stanoviti not less then 90%.
For optimalnoї dіyalnostі komertsіynogo bank neobhіdne efektivnosti vikoristannya not tіlki Pay resursіv and second usіh sukupnih zobov'yazan. Efektivnіst vikoristannya sukupnih zobov'yazan viznachayut for with such a formula:
Vvazhaєtsya, scho Bank efektivnosti vikoristovuє in gospodarskomu oborotі sukupnі zobov'yazannya, sightings pokaznik Yakscho bude not less then 75-80%.
Vіdnosna vartіst (vitratnіst) resursіv viznachaєtsya in vіdsotkah i rozrahovuєtsya of the formula:
Analіz zaznachenih pokaznikіv dotsіlnim bude in quiet vipadkah, if scrip nadanih mіzhbankіvskih kreditіv bude Mensch sumi otrimanih mіzhbankіvskih kreditіv.
Rozglyanemo technique analіzu efektivnostі that povnoti vikori-
Become resursnoї bazi bank on a particular prikladі (tab. 3.15).
table 3.15
Analіz efektivnostі that povnoti vikoristannya resursnoї bazi
Pokazniki | 2001 p. |
2002 p. |
Vіdhilennya |
1. Dohіdnі assets |
303647 |
427881 |
124 234 |
2. Platnі pasiv |
350830 |
543758 |
192 928 |
3. Sukupnі zobov'yazannya |
376925 |
580195 |
203 270 |
4. Pay Koefіtsієnt vikoristannya pasivіv |
0.87 |
0.79 |
-0.08 |
5. Koefіtsієnt vikoristannya zobov'yazan |
0.81 |
0.74 |
0.07 |
For danimi Table. 3.15 seen scho, nezvazhayuchi on rozshirennya resursnoї bazi bank in 2002, p. porіvnyano z 2001 r. on 203 270 tis. UAH, resources are not boule efektivnosti vikoristanі. So, Yakscho koefіtsієnt vikoristannya Pay pasivіv in 2001 p. becomes 0.87, in 2002 p. vіn CCB 0.79 tobto zmenshivsya 8%. Tse Well i stosuєtsya stage vikoristannya vsіh zobov'yazan - 0.81 in 2001, p. i 0.74 in 2002, p. Takі values uniquely nizhchі, nіzh zagalnopriynyatі kriterії. Oznachaє Tse, scho bank neobhіdno zvernuti uwagi on dotsіlnіst dodatkovogo zaluchennya resursіv for minds that nedostatno Povny efektivnosti їh rozmіschennya.
Optimіzatsіya resursnoї bazi bank zdіysnyuvatis blame for Relief priyomіv lіnіynogo programuvannya. And the basis of two brothers optimіzatsії povinnі takі kriterії: vitratnіst that stabіlnіst resursіv.
Optimally bude taka resursіv structure, if for nayavnih minds zabezpechuvatimetsya maximum stabіlnіst resursnoї bazi for її mіnіmalnoї vіdnosnoї vartostі.
In protsesі formuvannya optimalnoї resursnoї bazi bank nasampered neobhіdno viznachiti prіoriteti okremih vidіv resursіv for chogo zdіysnyuєtsya structural analіz resursnoї bazi bank.
Efektivnіst optimіzatsії zabezpechuvatimetsya tіlki of minds vrahuvannya vsіh nayavnih obmezhen to resources that mozhlivostey їh zaluchennya.
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