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Analіz bankіvskoї dіyalnostі - Gerasimov AM

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3.2. Analіz dinamіki that structure zobov'yazan bank

Analіz masshtabіv dіyalnostі Bank schodo zaluchennya zovnіshnіh Jerel fіnansuvannya svoєї dіyalnostі pochinaєtsya s viznachennya chastki, yak zaymayut zobov'yazannya bank in valyutі balance.

balance sheet total

Oskіlki Bank - tse establish yak pratsyuє in the main іz zaluchenimi Costa, then, yak usually їh chastka in pasiv bank becomes no less then 80%. Values ​​less then tsієї quantities oznachaє bіlsh temple fіnansovu stіykіst bank against the negative harakterizuє yogo dіlovu aktivnіst.

For danimi balance bank "A" proanalіzuєmo yogo dіlovu aktivnіst schodo zaluchennya fіnansovih resursіv. Zagalnі zalishki for rahunkami zobov'yazan berutsja s danih balance. Pervin іnformatsіya hovering in the Table. 3.1.

Table 3.1 Zobov'yazannya bank "A" is the structure of їh pp 2001-2002.

Pokazniki

On 1.01.2001

On 1.01.2002

Vіdhilennya

scrip

%

scrip

%

The absolute

lute

Vіdnosne%

Operatsії to zapitannya

106467

28.3

177818

30.7

71 351

67.0

- Rahunki loro (Korean-rahunki іnshih bankіv)

22107

5.9

14930

2.6

-7177

-32.5

- Costa to zapitannya Yurydychna osіb

49472

13.1

128671

22.2

79 199

100.1

- Costa sovereign budget

187

0

103

0

-84

-44.9

- Costa mіstsevogo budget

13484

3.6

10422

1.8

-3062

-22.7

- Pozabyudzhetnі Fondi

8935

2.4

6531

1.1

-2404

-26.9

- Costa to zapitannya fіzichnih osіb

8904

2.4

10284

1.8

1380

15.5

- Costa the plastic kartka

3378

0.9

6877

1.2

3499

103.6

Operatsії s NBU

45051

12.0

79034

13.6

+33 983

75.4

NBU Korrahunok

-

-

-

-

-

-

National Bank Overdraft

-

-

-

-

-

-

Korotkostrokovі loans NBU

624

0.2

829

0.1

+205

32.9

Dovgostrokovі loans NBU

44427

11.8

78205

13.5

+33 778

76.0

Korotkostrokovі deposits NBU

-

-

-

-

-

-

Dovgostrokovі deposits NBU

-

-

-

-

-

-

IBC

77789

20.6

102771

17.7

+24 982

32.1

Overdraft for korrahunkami

-

-

-

-

-

-

Garantіynі deposits

5216

1.4

3709

0.6

-1507

-28.9

"Overnight" deposits

-

-

-

-

-

-

Prodovzhennya Table. 3.1

Pokazniki

On 1.01.2001

On 1.01.2002

Vіdhilennya

scrip

%

scrip

%

The absolute

lute

Vіdnosne%

Korotkostrokovі MDB

17736

4.7

29300

5.1

+11 564

65.2

Dovgostrokovі MDB

-

-

-

-

-

-

Loans "overnight"

-

-

2407

0.4

2407

+100

MBC Korotkostrokovі

54837

14.5

67355

11.6

12 518

22.8

MBC Dovgostrokovі

-

-

-

-

-

-

Fіnansovy lіzing s banks

-

-

-

-

-

-

Strokovі operatsії

s klієntami

54641

14.5

116776

20.1

+62 135

1137

Korotkostrokovі deposits Yurydychna osіb

28910

7.7

38411

6.6

9501

32.9

Dovgostrokovі deposits Yurydychna osіb

38

0

29

0

-9

-23.7

Korotkostrokovі deposits fіzichnih osіb

25312

6.7

77365

13.3

+52 053

205.6

Dovgostrokovі deposits fіzichnih osіb

381

0.1

971

0.2

+590

154.9

Operatsії s tsіnnimi Paper the

66882

17.7

67359

11.6

477

0.7

Oschadnі sertifіkati

62004

16.4

64011

11.0

2007

3.2

Prostі vekselі, CB emіtovanі

4878

1.3

3348

0.6

-1530

-31.4

Kreditorska zaborgovanіst

15913

4.2

25101

4.3

9188

57.7

Kreditorska zaborgovanіst for operatsіyami s banks

100

0

198

0

98

98.0

Kreditorska zaborgovanіst for operatsіyami s klієntami

7726

2.0

10257

1.8

2531

32.8

Kreditorska zaborgovanіst od gospodarskoї dіyalnostі

3767

1.0

5735

1.0

1968

52.2

Zakіnchennya Table. 3.1

Pokazniki

On 1.01.2001

On 1.01.2002

Vіdhilennya

scrip

%

scrip

%

The absolute

lute

Vіdnosne%

Іnsha kreditorska zaborgovanіst

4381

1.2

8878

1.5

4497

102.6

Sumi to z'yasuvannya

29

0

33

0

4

13.8

Income maybutnіh perіodіv

-

-

-

-

-

-

INSHI pasiv

362

0.1

578

0.1

+216

59.7

Reserves pid riziki

9820

2.6

10758

1.9

938

9.6

Usogo zobov'yazan

376925

100

580195

100

203 270

53.9

Kapіtal bank

62703

x

102029

x

+39 326

62.7

Currency balance

439628

x

682224

x

242 596

55.2

Pokazniki scho harakterizuyut aktivnіst Bank schodo zaluchennya resursіv in dinamіtsі, navedenі Table. 3.2.

Table 3.2 Analіz dinamіki that masshtabіvdepozitnoї dіyalnostі bank

Pokazniki

2001 p.

2002 p.

Vіdhilennya

absolutely

vіdnosne%

1. Zobov'yazannya tank, yew. UAH

376925

580195

203 270

53.9

2. Kapіtal bank, yew. UAH

62703

102029

+39 326

62.7

3. Currency of the bank balance, yew. UAH

439628

682224

242 596

55.2

4. Chastka zobov'yazan in valyutі balance,%

85.7

85.0

-0.7

x

5. Spіvvіdnoshennya zobov'yazan that kapіtalu (koefіtsієnt fіnansovogo vazhelya)

6.0

5.7

-0.3

x

Analіz zobov'yazan bank pochinayut s viznachennya їh sumi for balance through obchislennya zalishkіv for rahunkami pіdstavі on banks' balance sheets. On tsomu Well etapі analіzu daєtsya characteristic zmіni sumi zobov'yazan bank in dinamіtsі in absolute that vіdnosnomu virazah. So, s danih Table. 3.2 shows, for scho analіzovany perіod Bank znach but rozshiriv scale svoєї dіyalnostі, about scho svіdchit zbіlshennya balance sheet to 242 596 tis. UAH, abo by 55.2%. When tsomu bazi zbіlshennya resursnoї vіdbuvalos yak rakhunok for zaluchenih koshtіv so i zavdyaki naroschuvannyu Vlasnyi kapіtalu bank. Tse bezumovno positively harakterizuє robot jar. So, kapіtal bank zbіlshivsya to 39,326 yew. UAH, abo by 62.7%, while Yogo zobov'yazannya - on 203 270 tis. UAH, abo by 53.9%. Proportsіyne zrostannya kapіtalu zobov'yazan that the bank does not zmіnilo multiplіkatsіynogo efekta kapіtalu. When tsomu rіven fіnansovoї stіykostі bank zalishivsya nezmіnnim. Pete Wagga zobov'yazan in zagalnih Jerel formuvannya resursіv mayzhe not zmіnilas i zalishilasya rіvnі to 85%, and scrip scrip zobov'yazan perevischuє kapіtalu bank mayzhe 6 razіv (at zvіtnomu perіodі - 5.7 times). Navedenі pokazniki svіdchat about vivazhenu pozitsіyu bankіvskih menedzherіv: riziki, viklikanі rozshirennyam zaluchenih koshtіv, pokrivayutsya zrostannyam sumi Vlasnyi kapіtalu, yaky Je garantієyu bankіvskih zobov'yazan.


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