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Analіz bankіvskoї dіyalnostі - Gerasimov AM

7.4. Analіz korespondentskoї MEREZHI bank

Analіz korespondentskoї MEREZHI bank Je dosit vazhlivim Etap analіzu Monetary operatsіy. Vіdkrittya znachnoї kіlkostі korespondentskih rahunkіv, vibіr Kraina, Currency rahunku that drain platezhіv zdіysnyuyutsya s urahuvannyam eksportno-іmportnih tendentsіy klієntіv bank that zabezpechennya Vlasnyi required by the Bank for foreign currency in rozrahunkah operatsіyami. Dwellers viznachiti efektivnіst vikoristannya koshtіv is the Venue of platezhіv for korrahunkami, neobhіdno proanalіzuvati turnover koshtіv at p ozrіzі skin bank Korrespondent. Yakscho for deyakimi s are not that urahovuyutsya Costa zdіysnyuyutsya operatsії, yak tse mozhna roztsіnyuvati vіdvolіkannya koshtіv abo navіt prihovane kredituvannya.

Slіd zvernuti uwagi on nayavnіst korespondentskih rahunkіv for yakimi operatsії not conductive, that on vіdsutnі abo dosit neznachnі zalishki. Tse sprichinyuє dodatkovі vitrati jar on rozrahunkovo-kasove obslugovuvannya.

Viznachimo structure korespondentskoї MEREZHI bank that rezidentnostі.

table 7.12

ANALІZ structures KORESPONDENTSKOЇ MEREZHI have ROZRІZІ CURRENCY THAT REZIDENTNOSTІ

Danі Table. 7.12 svіdchat scho korespondentska trammel bank in іnozemnіy valyutі pitched 1 sіchnya 2002 p. Got 11 bankіv, s yakih 7 bankіv-rezidentіv (63.64% od zagalnoї kіlkostі) Vier is the non-resident banks (36.36%). Korespondentskі rahunki in vіlno konvertovanіy valyutі bankіv-rezidentіv stanovlyat 54.55%, from nekonvertovanіy - 9,09% od zagalnoї kіlkostі bankіv-korespondentіv scho vіdkritі in іnozemnіy valyutі. Sposterіgaєtsya rozshirennya MEREZHI in perіod for rakhunok vіdkrittya troh novih korespondentskih rahunkіv that zakrittya one rahunku in nekonvertovanіy valyutі resident banks. Zmіni in korespondentskіy MEREZHI shaping can Buti naslіdkom polіtichnih abo ekonomіchnih chinnikіv, napriklad introduction of EURO including at 2002 p. prizvelo to zakrittya korespondentskih rahunkіv in nіmetskih stamps, frantsuzkih francs іtalіyskih lіrah that vіdkrittya rahunkіv in EURO including. Zmіni in partnerskih vіdnosinah that zovnіshnoekonomіchnіy dіyalnostі sub'єktіv pіdpriєmnitskoї dіyalnostі, sanktsії mіzhnarodnih organіzatsіy she Lots Other takozh mozhut іnіtsіyuvati zmіni korespondentskoї MEREZHI.

table 7.13

ANALІZ Ruhu KOSHTІV In ІNOZEMNІY VALYUTІ

FOR BANK KORESPONDENTSKIMI RAHUNKAMI, yew. UAH

In inline rotsі Bank prodovzhuvav rozvivati ​​korespondentsku trammel, vrahovuyuchi potochnі yak, so i perspektivnі Request klієntіv. Yak can be seen s guidance danih for analіzovany perіod not for vsіma rahunkami operatsії wires. So, do not Bulo Ruhu koshtіv on korrahunkah in the bank "A" is the bank "B". Podіbne yavische Je unproductive vіdvolіkannyam koshtіv s turnover i potrebuє dodatkovogo analіzu dotsіlnostі trimannyam koshtіv on Tsikh rahunkah. Naybіlsh Activity ruh koshtіv sposterіgavsya for korrahunkom resident bank "F" is the non-resident bank «Z». So, debetovі turnover on the bank "F" becomes 247,980 USD, and kreditovі turnover - 215 430 UAH. Koefіtsієnt oborotnostі koshtіv for rahunkami bank "F" becomes 1.87 razіv.

Analіzuyuchi rozvitok korespondentskoї MEREZHI, neobhіdno prostezhuvati dinamіku zrostannya kіlkostі vіdkritih klієntskih rahunkіv in іnozemnіy valyutі. When tsomu Positive tendentsієyu vvazhaєtsya proportsіyne zrostannya yak rahunkіv "loro", so i rahunkіv "nostro".