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Analіz bankіvskoї dіyalnostі - Gerasimov AM

11.4.2. Analіz rentabelnostі

Rentabelnіst deposits od faktorіv scho vplivayut on Prybutok i vitrati bank. Rentabelnіst zavzhdi analіzuєtsya for Pevnyi perіod.

Rentabelnіst dіyalnostі bankіv viznachayut vіdnoshennyam pure pributku to vagovih vitrat. However rozrahunok Mauger i provoditis for іnshimi pokaznikami: operatsіynim pributkom (without urahuvannya podatku on Prybutok, vіdrahuvan in reserve), operatsіynih vitrat (without urahuvannya splachenih podatkіv, amortizatsії). Taqiy pokaznik rentabelnostі vіdobrazhaє efektivnіst operatsіynoї dіyalnostі.

Rentabelnіst dіyalnostі for Grupo bankіv at 2001 p. small Taqiy viglyad: naybіlshі banks - 3.25%; s banks kapіtalom Ponad 10 million EURO including - 12.2%; s kapіtalom 3-10 million EURO including - 8.6%; s kapіtalom less then 3 million EURO including - 5.2%. Otzhe, rentabelnіst for Grupo komertsіynih bankіv, yak i in poperednі prophets, small form of the law of normal rozpodіlu s Maximum pributkovіstyu dіyalnostі groupies bankіv s kapіtalom Ponad 10 million UAH. Oznachaє Tse, scho in danіy grupі bankіv dosyagaєtsya naybіlsha zbalansovanіst mіzh income vitratami i, i efektivnіstyu Active Passive operatsіy.

In kozhnіy grupі Yea i bіlsh Mensch rentabelnі banks.

On rentabelnіst aktivіv vplivaє, krіm pributku, slit i rozmіr aktivіv bank. Nizka rentabelnіst aktivіv Mauger Buti sprichinena їh zavischenim obsyagom that temple Pete vagoyu "vitratnih aktivіv" for nizkoї pitomoї crowbars dohіdnih aktivіv. Restrukturizatsіya aktivіv on korist dohіdnih Mauger Why Jerel dodatkovih pributkіv bank navіt for їh nezmіnnogo obsyagu abo yogo zbіlshennya. In zahіdnih banks vvazhaєtsya dostatnoyu rentabelnіst aktivіv rіvnі at 1-3%.

Rentabelnіst aktivіv bankіv Ukraine for 2001 p. with such a bula:

• 10 naybіlshih bankіv - 0.8%;
• s banks kapіtalom Ponad 10 million EURO including - 2.1%;
• s banks kapіtalom 3-10 million EURO including - 1.4%;
• banks kapіtalom s EURO including up to 3 million - 0.9%;
• serednya rentabelnіst aktivіv bankіvskoї Systems of Ukraine becomes 1.2% porіvnyano i s, 1999. znizilasya by 0.8 percentage points from growth zv'yazku s viperedzhayuchim aktivіv over AWGB-pitched pributkіv bankіv.

One іz rіznovidіv pokaznika rentabelnostі aktivіv Je fondorentabelnіst, yak yak viznachaєtsya vіdnoshennya pributku to serednoї fondіv values of the main bank.

Odnієyu s reasons nizkoї fund orentabelnostі bank shaping can Buti osnovnі Fondi, SSMSC nedostatno efektivnosti vikoristovuyutsya bank. Realіzuvavshi zayvі fund, bank Mauger zbіlshiti svoї reserve i vikoristati їh to conduct pributkovih Activity operatsіy that vіdmovitisya zaluchennya od novih resursіv on market analysis, zmenshivshi note by svoї vitrati.

Fondorentabelnіst of Ukrainian bankіv 2001 p. (Fund pitched 1 sіchnya 2002 r.) With such a bula:

• 10 naybіlshih bankіv - 9.0%;
• s banks kapіtalom Ponad - EURO including 10 million - 36.3%;
• s banks kapіtalom 3-10 million EURO including - 25.0%;
• banks kapіtalom s EURO including up to 3 million - 12.8%;
• bankіvska system tsіlomu - 15.7% porіvnyano i s, 1999. znizilasya by 4.4 percentage points.

Tendentsії rentabelnostі robochem aktivіv bankіv duzhe s All related tendentsіyami rentabelnostі zagalnih aktivіv that fondorentabelnostі.

Pokaznik rentabelnostі (pributkovostі) kapіtalu bank Je іndikativnim. Yogo zbіlshennya not Mauger vіdbuvatisya for rakhunok zmenshennya kapіtalu. When tsomu banks s great obsyagom kapіtalu mozhut mother menshі values ​​danogo pokaznika, nіzh banks kapіtalom s Malim. Yakscho bank vikoristovuє svoї pributki on nakopichennya, zbіlshuyuchi svіy kapіtal then pokaznik rentabelnostі yogo kapіtalu Mauger mother tendentsіyu to zmenshennya. Nakopichenі pributki oblіkovuyutsya in rozdіlі kapіtalu bank "result rokіv passed." Krіm tsogo, s pributku zdіysnyuyutsya vіdrahuvannya to the reserve fund.

Pributkovіst kapіtalu - tse Pete Wagga pributku (positive result dіyalnostі stream rock) in kapіtalі bank. Pributkovіst kapіtalu of Ukrainian bankіv in 2001 p. with such a bula:

• 10 naybіlshih bankіv - + 6.4%;
• s banks kapіtalom Ponad 10 million EURO including - 10.1%;
• s banks kapіtalom 3-10 million EURO including - 7.2%;
• banks kapіtalom s EURO including up to 3 million - 3.2%;
• bankіvska system tsіlomu - 6.9%. Tse by 1.9 percentage points nizhche pokaznika 1999, p.

Naybіlsh vazhlivy pokaznik for vlasnikіv bank - pributkovіst statutory kapіtalu, yaky Je basis for normalization rozrahunkіv dohodіv that їh chastki in statutory kapіtalі Bank (divіdendіv on aktsіyu for aktsіonernih tovaristv). Digit obsyag statutory kapіtalu Hoca i stvoryuє peredumovi for yogo rozvitku that pіdtrimki dostatnogo rіvnya lіkvіdnostі against zmenshuє rate dohіdnostі on vneski yogo vlasnikіv.

Pributkovіst statutory kapіtalu of Ukrainian bankіv at 2001 p. with such a bula:

• 10 naybіlshih bankіv - 17.0%;
• s banks kapіtalom Ponad 10 million EURO including - 14.3%;
• s banks kapіtalom 3-10 million EURO including - 10.5%;
• banks kapіtalom s EURO including up to 3 million - 4.1%;
• bankіvska system tsіlomu - 11.6%, scho at 5.3 percentage points nizhche rіvnya, 1999.

The images Grafіchne efektivnostі dіyalnostі group bankіv for chotirma pokaznikami filed in Fig. 11.4.

For konfіguratsієyu chotirikutnika efektivnostі dіyalnostі bankіv mozhna viznachati slabkі i silnі PARTIES dіyalnostі tієї chi іnshoї groupies bankіv and konkretnі banks mozhut porіvnyati svoї pokazniki Zi svoєyu GROUP i bankіvskoyu system in tsіlomu.

Fig. 11.4.