Analіz bankіvskoї dіyalnostі - Gerasimov AM

9.3.3. Analіz depositary poslug

Depozitarnі (kastodіalnі) Hotel nadayutsya banks SSMSC toil mozhlivіst lead depositary dіyalnіst zberіgacha tsіnnih paperіv scho vikonuyut for doruchennyam klієntіv funktsіyu zberіgacha tsіnnih paperіv i nadayut mozhlivіst klієntam bank realіzuvati їhnє right for tsіnnimi Papero. Danі operatsії over ayutsya Yurydychna yak, so i fіzichnim ladies on pіdstavі dogovorіv about vіdkrittya that obslugovuvannya rahunkіv in tsіnnih Papero. Before perelіku depositary vіdnosyat takі Services:

  • vіdkrittya rahunka for oblіku tsіnnih paperіv klієnta, deponovanih in zberіgacha tsіnnih paperіv;
  • vіdpovіdalne zberіgannya tsіnnih paperіv;
  • zneruhomlennya documentary tsіnnih paperіv klієnta s metoyu їh away obіgu in Electonics viglyadі;
  • nadannya vlasnikam tsіnnih paperіv vipisok pіslya kozhnoї provedenoї operatsії i nadannya zvіtіv about turnover tsіnnih paperіv;
  • materіalіzatsіya tsіnnih paperіv s metoyu їh away oblіku in reєstrі reєstroderzhatelya;
  • obtyazhennya tsіnnih paperіv zobov'yazannyami;
  • Obl_k transition right vlasnostі on Paper the tsіnnі for rozporyadzhennyam klієnta;
  • Notification about klієntovі OAO All korporativnі dії emіtenta, tsіnnі Paper the yakogo oblіkovuyutsya on rahunku klієnta, Notification klієntovі whether yakoї Informácie, otrimanoї od emіtenta chi reєstratora;
  • fate in Zborov aktsіonerіv for doruchennyam klієnta;
  • pributku obsession for tsіnnimi Paper the scho zberіgayutsya in zberіgacha, s away perekazuvannyam for doruchennyam klієnta on yogo rahunki, chi viplatoyu gotіvki in kasі for fіzichnih osіb;
  • nadannya tsіnnih paperіv against payment.

Analіz efektivnostі operatsіy held on osnovі directly pributkіv, otrimanih for danimi operatsіyami.

Obsyag pributkіv, oderzhuvanih depositary bank for the Hotel, at bіlshіy chastinі deposits od sumarnoї nomіnalnoї vartostі tsіnnih paperіv, SSMSC perebuvayut on zberіgannі, obsyag yakih deposits zokrema, i od kіlkostі klієntіv scho vikoristovuyut tsі Hotel. In zv'yazku s CIM priynyatnіst for klієnta zaproponovanih Bank tarifіv i yakіst nadannya poslug іstotno vplivayut on obsyag otrimanih Bank pributkіv.

So rank, analіzuyuchi efektivnіst nadannya depositary poslug, Varto pridіliti Especially uwagi konkurentospromozhnostі tarifіv jar on tsі Hotel.

Fee nadannya depositary poslug Mauger vstanovlyuvatisya in viglyadі vіdsotkіv scho splachuyutsya od sumarnoї nomіnalnoї vartostі tsіnnih paperіv, SSMSC perebuvayut on zberіgannі; in viglyadі fіksovanoї Sumi, scho splachuєtsya for holding kozhnoї operatsії, napriklad, vіdkrittya rahunka in tsіnnih Papero, zmіna rekvіzitіv toscho depositor; in viglyadі abonentskoї pay, scho splachuєtsya, yak usually once per mіsyats for nayavnostі rahunka in tsіnnih Papero, Nezalezhnosti od sumarnoї nomіnalnoї vartostі tsіnnih paperіv scho perebuvayut on zberіgannі.

Obl_k tsіnnih paperіv scho perebuvayut on zberіgannі at bank held for pozabalansovim rahunkom 4th order number 9819 "i INSHI tsіnnostі document", for Yakim vіdkrito okremі analіtichnі rahunki. For tsogo danimi rahunka mozhna otrimati іnformatsіyu about Quantity priynyatih on zberіgannya tsіnnih paperіv klієntіv bank. Dokladnіshu іnformatsіyu about obsyagi depositary operatsіy іz klієntami Bank oderzhuє іz Sistemi oblіku depositary operatsіy Depozitarіyu.

Analіz nadannya depositary poslug conductive EYAD for groups: Hotel, obsyag nadannya yakih viznachaєtsya for їh kіlkіstyu, is the Hotel, obsyag nadannya yakih viznachaєtsya in odinitsyah penny.

Factors SSMSC formuyut fіnansovі results for tsimi operatsіyami, analіzuyut on osnovі danih induced in table 9.28, 9.29, 9.30.

Spochatku zdіysnimo analіz vplivu pershoї groupies faktorіv scho formuyut fіnansovі result per depositary operatsіyami, obsyag nadannya yakih viznachaєtsya for їh kіlkіstyu (tab. 9.28).

table 9.28

ANALІZ FAKTORІV, SHCHO FORMUYUT FІNANSOVІ result of the depositary's Hotel, OBSYAG NADANNYA YAKIH VIZNACHAЄTSYA FOR KІLKІSTYU NADANIH Hotel

Widi depositary poslug

Price per operatsіyu, UAH

Quantity operatsіy per Year

Dohodіv amount, UAH

Vitrat amount, UAH

Prybutok

UAH

%

Vіdkrittya rahunka

100

840

84000

30000

54000

16.7

Obtyazhennya CPU zobov'yazannyami

50

250

12500

1000

11500

3.6

Zneruhomlennya documentary CPU

80

1150

92000

10000

82000

25.5

Materіalіzatsіya CPU

120

700

84000

9500

74500

23.1

Nadannya vlasnikam CPU vipisok

20

4000

80000

5000

75000

23.3

Abonentska board

10

2500

25000

0

25000

7.8

Usogo

?

9440

377500

55500

322000

100

Danі Table. 9.28 svіdchat scho per depositary Hotel naybіlshu pributkovіst zabezpechili takі їh Vidi, yak zneruhomlennya documentary CPU - 82.0 yew. UAH abo 25.5% od usіh vidіv operatsіy tsієї groupies and takozh nadannya vlasnikam tsіnnih paperіv vipisok - 75.0 yew. UAH abo 23.3%, i materіalіzatsіya tsіnnih paperіv - 74.5 yew. UAH abo 23.1%.

Abonentska board does not view Depository Je operatsіy, ale obsyagi її Splat viznachayutsya fallow od kіlkostі klієntіv scho koristuyutsya depositary Hotel, that i won rozglyadaєtsya Table. 9.28. Obsession abonentskoї pay Je Sotho dohіdnoyu operatsієyu to conduct yakoї Bank n e Nese directly vitrat, to danі Table. 9.28 not vklyuchayut vitrat, pov'yazanih s obsession abonentskoї pay.

About other grupu faktorіv scho formuyut fіnansovі result per depositary operatsіyami, obsyag nadannya yakih viznachaєtsya in penny odinitsyah, svіdchat pokazniki Table. 9.29.

table 9.29

ANALІZ FAKTORІV, SHCHO FORMUYUT FІNANSOVІ result per depositary OPERATSІYAMI, OBSYAG NADANNYA YAKIH VIZNACHAЄTSYA The penny ODINITSYAH

Widi depositary operatsіy

Suma, yew. UAH

Fees for operatsіy% od sumi

Quantity months at

Suma dohodіv, yew. UAH

Suma vitrat, yew. UAH

Prybutok, yew. UAH

Zberіgannya CPU on rahunkah (serednomіsyachny zalishok for nomіnalnoyu vartіstyu CPU)

8000

0,005

12

480

312

168

Carrying operatsіy rahunkami for the CPU (revolution per Year)

540000

0,001

?

540

297

243

Usogo

?

?

?

1020

609

411

Zaznachenі Table. 9.29 obsyagi pributku, otrimanogo Bank od zberіgannya tsіnnih paperіv on rahunkah, viznachayutsya vihodyachi іz obsyagіv tsіnnih paperіv scho perebuvayut on zberіgannі, is the rate at vstanovlenogo rozmіrі vіdsotka, yaky klієnt splachuє bank schomіsyachno od sumi tsіnnih paperіv, SSMSC perebuvayut on zberіgannі.

Obsyag pributku, otrimanogo Bank od Venue of operatsіy for rahunkami in tsіnnih Papero, SSMSC peredbachayut Venue of operatsіy for rahunkom in zv'yazku s passage rights vlasnostі on Paper the tsіnnі, zarahuvannya chi writedowns tsіnnih paperіv, unaslіdok іnshih operatsіy klієnta that oblіkovuyutsya for nomіnalnoyu vartіstyu tsіnnih paperіv, viznachaєtsya vihodyachi іz obsyagіv operatsіy that vstanovlenogo rate at rozmіrі vіdsotka, yaky klієnt splachuє bank od sumi provedenoї operatsії.

Carrying vische analіz Je obov'yazkovim for viznachennya uzagalnyuyuchih pokaznikіv dohodіv, vitrat that pributku kinds of depositary operatsіy, scho i shown in the Table. 9.30.

table 9.30

VIZNACHENNYA PITOMOЇ Vagi DOHODІV, VITRAT TA PRIBUTKU FOR OKREMIMI OPERATSІYAMI Depository

Widi depositary operatsіy

Suma dohodіv

Suma vitrat

Prybutok

yew. UAH

%

yew. UAH

%

yew. UAH

%

Carrying operatsіy rahunkami for the CPU

540

38.6

297

44.7

243

33.2

Vіdpovіdalne zberіgannya CPU on rahunkah

480

34.3

312

47.0

168

22.9

Zneruhomlennya documentary CPU

92

6.6

10

1.5

82

11.2

Nadannya vlasnikam CPU vipisok

80

5.7

5

0.8

75

10.2

Materіalіzatsіya CPU

84

6.0

10

1.4

75

10.2

Vіdkrittya rahunka

84

6.0

thirty

4.5

54

7.4

Abonentska fee obslugovuvannya rahunkіv in CPU

25

1.8

0

0.0

25

3.4

Obtyazhennya CPU zobov'yazannyami

13

0.9

1

0.2

12

1.6

Usogo

1398

100

665

100

733

100

Danі tablitsі 9.30 svіdchat scho naybіlshy Prybutok, obsession for operatsіyami scho nalezhat to groupies operatsіy, nadannya yakih viznachaєtsya in penny odinitsyah: Holding operatsіy for rahunkami in tsіnnih Paper the - 243 tis. UAH abo 33.2%, that vіdpovіdalne zberіgannya CPU on rahunkah - 168 tis. UAH abo 22.9%.