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Analіz bankіvskoї dіyalnostі - Gerasimov AM

7.6. Analіz efektivnostі Monetary operatsіy

Zavershalnim Etap analіzu Monetary operatsіy Je otsіnka їh efektivnostі, yak zdіysnyuєtsya through analіz dohodіv that vitrat bank od operatsіy іnozemnoyu s currency.

On tsomu etapі neobhіdno viznachiti, yak chastka dohodіv od operatsіy in іnozemnіy valyutі in zagalnomu obsyazі dohodіv bank that for yakimi operatsіyami otrimanі stench. Analogіchnі analіtichnі PROCEDURE zdіysnyuyutsya for vitratami od operatsіy in іnozemnіy valyutі. When tsomu slіd mother on uvazі scho revenues that vitrati od Monetary operatsіy formuyutsya in natsіonalnіy that іnozemnіy valyutі. Vіdpovіdno to sedate zakonodavstva bank zgіdno іz Vlasnyi rates dozvolyaєtsya utrimuvati komіsіynu vinagorodu in іnozemnіy valyutі for rakhunok koshtіv klієntіv, Yakscho operatsії, SSMSC stink vikonuyut for doruchennyam klієntіv, pov'yazanі Zi Splat komіsіynoї vinagorodi in іnozemnіy valyutі іnozemnomu bank Korrespondent (zdіysnennya perekazu, dokumentarnі operatsії, operatsії s checks, scho priynyatі on іnkaso, operatsії s plastic kartka mіzhnarodnih platіzhnih systems toscho) that Zi Splat koshtіv mіzhnarodnim platіzhnim systems i mіzhnarodnim systems zv'yazku for koristuvannya їhnіmi Hotel.

Ti i vitrati revenues, scho abo otrimanі narahovanі bank іnozemnіy valyutі, vіdobrazhayutsya in balansі bank in valyutі operatsії s odnochasnim pererahuvannyam їh in natsіonalnu currency for ofіtsіynim rate on the day zdіysnennya operatsії. Obl_k dohodіv i vitrat in іnozemnіy valyutі zdіysnyuєtsya for okremimi analіtichnimi rahunkami tehnіchnogo rahunka number 3800 "Pozitsіya Bank schodo іnozemnoї currency that bankіvskih metalіv 's odnochasnim їh vіdobrazhennyam on rahunkah 6th class, scho daє mozhlivіst analіzuvati їh in valyutі operatsії that in ekvіvalentі for Flow rate ofіtsіynim NBU.

Rozglyanemo osnovnі Vidi dohodіv od Monetary operatsіy:

• Interest for loans nadanimi sub'єktam pіdpriєmnitskoї dіyalnostі;
• the percentage of loans that mіzhbankіvskimi deposits;
• Income od operatsіy іz tsіnnimi Papero;
• the percentage of credit kartka;
• Interest for the overdraft;
• komіsіynі revenues od operatsіy іz checks;
• komіsіynі Gains perekazami fіzichnih osіb;
• komіsіynі Gains vіdkrittya Keeping that precisely i deposit rahunkіv klієntіv;
• Income od operatsіy kupіvlі-sale іnozemnoї currency;
• Gains agentskimi land.

Dodatkovo mozhna viznachati pitomu breaking bar dohodіv rozrіzі operatsіy in the currency s note dwellers viznachiti pributkovіst operatsіy in rozrіzі currencies.

In Nashomu prikladі zagalny obsyag dohodіv bank in zvіtnomu perіodі becomes 783,669 USD, abo 42 vіdsotki od їh zagalnogo obsyagu.

W danih Table. 7.15 seen scho naybіlshu chastku zagalnih in foreign exchange earnings stanovlyat revenues od torgovelnih operatsіy foreign currency - 77.24%. And Sered rіznih vidіv currency at tsomu napryamі lіdiruє "EURO including" - 91.8%. Another view of znachimіstyu Monetary operatsіy scho formuyut dosit іstotnu chastku Monetary dohodіv, Je protsentnі income mainly od nadannya Monetary kreditіv Yurydychna individuals. Їh chastka becoming 19,76% in zagalnih foreign exchange earnings to the bank. INSHI Vidi operatsіy s currency bringer bank Neznachny dohіd against їh nayavnіst Je obov'yazkovoyu minds zaluchennya klієntіv, SSMSC potrebuyut wide range of bankіvskih poslug in valyutі, i without nadannya podіbnih poslug bank does not bude konkurentospromozhnim on market analysis.

The structure of foreign exchange at dohodіv rozrіzі vidіv rates shown in the Table. 7.16.

Structure dohodіv od Monetary operatsіy in rozrіzі currency pokazuє pributkovіst operatsіy in rozrіzі currencies.

W danih Table. 7.16 seen scho naybіlshu chastku in revenues od Monetary operatsіy bank stanovlyat operatsії in Dolar US - 63.58%, EURO including at - 28.55%, in rosіyskih rubles - 7.84%. And naybіlsha chastka dohodіv in Dolar US pripadaє on protsentnі revenues od nadannya kreditіv foreign currency - 65,60% (not vrahovuyuchi іnshih dohodіv). Chastka operatsіy in EURO including dosit Vahom in torgovelnomu dohodі (33.93%) that in komіsіynomu dohodі (30.43%). Іstotnu chastku in interest income Income stanovlyat od kreditіv, nadanih rosіyskih in rubles - 22.87%. When analіzі structure of foreign currency in dohodіv dinamіtsі proglyadaєtsya chіtka tendentsіya to zbіlshennya rolі operatsіy, zdіysnyuvanih in EURO including.

Rozrahunok absolute growth is the rate of growth of foreign currency dohodіv od operatsіy harakterizuє tendentsії in pributkovostі Monetary operatsіy.

Vazhlivim pokaznikom efektivnostі vikoristannya Monetary koshtіv bank Je pokaznik dohіdnostі Monetary operatsіy. Neobhіdno proanalіzuvati yogo dinamіku porіvnyannya s analogіchnim pokaznikom for operatsіyami in natsіonalnіy valyutі, viznachiti for rakhunok yakih faktorіv vіdbulisya zmіni absolute growth that vіdnosnogo dohodіv od Monetary operatsіy:

• prirіst resursnoї bazi;
• zbіlshennya (zmenshennya) obsyagіv Monetary operatsіy;
• zmіni in klієntskіy bazі;
• Tariff polіtika;
• naslіdki polіtichnoї that ekonomіchnoї situatsії in kraїnі;
• zmenshennya (zbіlshennya) vartostі Monetary resursіv;
• zmіni in kreditnіy, depozitnіy that kursovіy polіtitsі bank;
• strukturnі zmіni in rozmіschennі chi zaluchennі Monetary resursіv.

Analogіchno zdіysnyuєtsya structural analіz vitrat for operatsіyami in іnozemnіy valyutі. When tsomu neobhіdno porіvnyati Income i vitrati bank od operatsіy in іnozemnіy valyutі in absolyutnіy velichinі that have dinamіtsі.

ANALІZ structures DOHODІV BANK

STRUCTURE OF FOREIGN EXCHANGE

table 7.15

Od Monetary OPERATSІY, yew. UAH

table 7.16

DOHODІV CURRENCY FOR SPECIES

table 7.17

VITRATI banks for OPERATSІYAMI In ІNOZEMNІY VALYUTІ, yew. UAH

W pokaznikіv Table. 7.17 seen at scho strukturі vitrat naybіlshoyu Je chastka vitrat interest - 56.64%, in the main SSMSC splachenі for mіzhbankіvskimi operatsіyami (14.89%) is the rahunkami fіzichnih osіb (21.25%). Analogіchno rozpodіlyayutsya vitrati in rozrіzі major currencies - US Dolar, EURO including, rosіyskі rublі that INSHI currency. Komіsіynі vitrati, splachenі in іnozemnіy valyutі, stanovlyat 12.75%, the result od torgіvlі іnozemnoї currency - 11.83%. In rozrіzі Currency naybіlsha scrip splachena in US Dolar, Sereda yakih TER naybіlsha chastka pripadaє on vitrati on viplatu narahovanih protsentіv for rakhunok fіzichnih osіb (23.59%), Yurydychna osіb (18.68%) is the mіzhbankіvskimi (12.78%) . Otzhe can zrobiti visnovok scho scrip perevazhna vitrat for currency operatsіyami nalezhit interest vitratam for rahunkami klієntіv bank. YAK already sr aduvalosya vische (Table. 7.2), currency chastka koshtіv banks are mostly molded for rakhunok koshtіv scho zaluchenі on rahunki fіzichnih that Yurydychna osіb, to takі vitrati bank tsіlkom vipravdanі. Urahovuyuchi those scho naybіlshі obsyagi operatsіy conductive in US Dolar EURO including the one, vіdpovіdno rozpodіlyayutsya th vitrati in іnozemnіy valyutі.

Zavershalnim Etap analіzu Monetary operatsіy Je rozrahunok vіdnosnih pokaznikіv dohіdnostі that vitratnostі. Tse:

1. Pete Wagga Monetary dohodіv in zagalnomu obsyazі dohodіv bank;
2. Pete Wagga Monetary vitrat in zagalnomu obsyazі vitrat bank;
3. Income od Monetary operatsіy 1 UAH Monetary aktivіv;
4. Income od Monetary operatsіy 1 UAH aktivіv bank vsogo;
5. Income od Monetary operatsіy per pratsіvnika currency vіddіlu (upravlіnnya);
6. valyutnі vitrati in rozrahunku 1 UAH zaluchenih resursіv in іnozemnіy valyutі.

Vikoristannya vіdnosnih pokaznikіv dohіdnostі that vitratnostі daє zmogu zrobiti porіvnyalny analіz efektivnostі robots s currency rіznih bankіv that їhnіh structural pіdrozdіlіv (fіlіy). Perelіchenі pokazniki povinnі analіzuvatis in dinamіtsі for otsіnki zagalnoї tendentsії їh zmіni.