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Analіz bankіvskoї dіyalnostі - Gerasimov AM

3.4. Analіz structuring bank zobov'yazan

Chim Vishcha chastka zobov'yazan before klієntami bank (of companies that organіzatsіy) on dovgostrokovіy osnovі, team Vishcha stabіlna Chastina resursіv komertsіynogo bank scho positive vplivaє on yogo lіkvіdnіst i zmenshuє zalezhnіst od mіzhbankіvskih pozik. Prote strokovі Je dorozhchimi deposits, scho negatively on vplivaє rentabelnіst pributkovіst that robots can. Vodnochase zbіlshennya chastki (Ponad 30%) bankіvskih pozik pіdvischuє rizik nezbalansovanoї lіkvіdnostі, oskіlki posilyuєtsya zalezhnіst bank od zovnіshnіh Jerel fіnansuvannya. Neobhіdno zaznachiti, scho, vrahovuyuchi defіtsit vіlnih koshtіv in sub'єktіv gospodaryuvannya on sogodnі chastka IBC in strukturі zobov'yazan syagaє 30-40%.

Table 3.3 Analіz structuring zobov'yazan for depositors

In Persha etapі analіtichnoї robots neobhіdno otsіniti structure zaluchenih koshtіv deposit bank for depositors (species vkladnikіv) їh tendentsіyu that eg zdіysnennya vіdpovіdno to depozitnoї polіtiki (figures 3.4 i 3.5).

W danih Table. 3.3 seen scho bank zobov'yazannya 1 sіchnya 2002 p. stanovlyat 580,195 yew. UAH. Porіvnyano s zobov'yazannyami 1 sіchnya 2001 p. stink zrosli on 203 270 tis. UAH abo 53.9%. Bezumovno, Taqiy digit prirіst resursnoї bazi banks can be roztsіnyuvati yak visokoefektivnu robot schodo deposit vіddіlu zaluchennya resursіv. And zrostannya depozitnoї bazi vіdbuvalosya mainly due to the increase in rakhunok koshtіv fіzichnih that Yurydychna osіb, not for rakhunok mіzhbankіvskih kreditіv scho Yea Positive tendentsієyu. Thus, Costa fіzichnih osіb zrosli to 57,522 yew. i have become UAH 95,497 yew. UAH 1 sіchnya 2002 p. proti 37,975 yew. UAH 1 sіchnya 2001 p., tobto zrosli at 151.5%. In strukturі zaluchenih resursіv їh chastka zrosla s 10.1% in 2001 p. to 16.5% in 2002 p., tobto by 6.4 percentage points. Typically, the main scho Dzherelo zrostannya koshtіv fіzichnih osіb Je zbіlshennya zaluchennya string depozitіv, yak usually termіnom to a rock. For analіzovany perіod їh masa zrosla to 52,643 yew. UAH, abo at 204.9% i 1 sіchnya 2002 p. їh chastka in strukturі zobov'yazan becomes 13.5%.

Digit zrosli i Costa Yurydychna osіb: їh prirіst becomes for perіod scho analіzuєtsya, 88,691 yew. UAH abo 113.1%. Thus, on 1 sіchnya 2002 p. Costa Yurydychna osіb have become 167,111 yew. proti UAH 78,420 yew. 1 sіchnya 2001 p. Їh chastka in strukturі zobov'yazan zrosla s 20.8 to 28.8%, tobto zbіlshilasya 8 percentage punktіv. Dana structure can roztsіniti yak optimally oskіlki naroschuvannya resursnoї bazi bank vіdbuvalosya for rakhunok not expensive Jerel fіnansuvannya and cheap. Main Jerel zbіlshennya koshtіv Yurydychna osіb Je zrostannya zalishkіv on the production rahunkah klієntіv, tobto depozitіv to zapitannya. Thus, on 1 sіchnya 2002 p. They have become stink 128,671 yew. proti UAH 49,472 yew. UAH 1 sіchnya 2001 p., tobto zrosli to 79,199 yew. UAH, abo at 160.1%. In zagalnіy strukturі zobov'yazan їh chastka zbіlshilasya s 13.1 to 22.2%, tobto zrosla by 9.1 percentage points. The main reason for this digit zrostannya zalishkіv on klієntskih rahunkah Je efektivnosti marketing polіtika Bank schodo zaluchennya novih klієntіv through znizhennya tarifіv on bankіvske obslugovuvannya.

Positive yavischem mozhna vvazhati i znizhennya chastki koshtіv bankіv in strukturі zobov'yazan bank for odnochasnogo zrostannya їh absolute rozmіru. Thus, Costa іnshih bankіv 1 sіchnya 2002 p. It has become 196,735 yew. proti UAH 144,947 yew. UAH 1 sіchnya 2001 p., tobto zrosli to 51,788 yew. UAH abo 35.7%. Prote їh chastka in strukturі zobov'yazan zmenshilasya s 38.5% in 2001 p. to 33.9% in 2002 p., tobto by 4.6 percentage points. Poєdnannya tendentsії znizhennya zalezhnostі od mіzhbankіvskogo kredituvannya s odnochasnim rozshirennyam resursnoї bazi for rakhunok tsogo dzherela fіnansuvannya bankіvskoї dіyalnostі svіdchit about literacy polіtiku menedzherіv Bank schodo formuvannya resursnoї bazi.

Fig. 3.4. Analіz structuring zobov'yazan for depositors pitched 1 sіchnya 2001 p.

Fig. 3.5. Analіz structuring zobov'yazan for depositors pitched 1 sіchnya 2002 p.

Rozglyadayuchi vnutrіshnyu structure zalishkіv koshtіv іnshih bankіv, slіd zaznachiti, scho for CIM view pasivіv mainly Jerel zrostannya zalishkіv Je zbіlshennya kredituvannya analіzovanogo bank Natsіonalnim Bank of Ukraine, and takozh zbіlshennya mіzhbankіvskogo kredituvannya counterparty banks. So, prirіst kredituvannya od NBU bank becomes 33,983 yew. UAH abo 75.4%. Tse zbіlshilo vnesok danogo mind kredituvannya bank in zagalny obsyag zobov'yazan by 1.6 percentage points. Against, with absolute zbіlshennі rozmіru IBC at 24,982 yew. UAH, abo by 32.1%, їh chastka zmenshilas by 2.9 percentage points.

On zagalnomu fonі zrostannya resursnoї bazi bank descho znizilasya role Savings sertifіkatіv. Їh chastka in zagalnіy strukturі zobov'yazan znizilas by 6.1 percentage points, Hoca absolutely prirіst їh Sumi becomes 2007 tis. UAH.

In tsіlomu, pіdvodyachi pіdsumok robots Bank schodo zaluchennya resursіv, slіd vіdznachiti correctly polіtiku bank stosovno zaluchennya novih klієntіv, yak Veda to zrostannya Cheap resursіv bank that nalezhnu robot s formuvannya stabіlnoї Chastain resursіv bank for rakhunok zaluchennya this perspective resursіv mind yak deposits fіzichnih osіb . Especially uwagi neobhіdno zvernuti on vprovadzhennya salary proektіv s vikoristannyam platіzhnih kartok.

Bank zatsіkavleny in rozshirennі obsyagіv zaluchenih deposit koshtіv, scho in yogo perebuvayut timchasovo rozporyadzhennі. For tsogo bank neobhіdno postіyno vdoskonalyuvati starі th uprovadzhuvati novі FORMS i Metodi zaluchennya rіznih kategorіy vkladnikіv and the Same: lead-NAUKOVO doslіdnu, analіtichnu robot actively vikoristovuvati advertising, marketing, rozshiryuvati dіlovі Contacts s ​​klієntami.

On the other etapі analіzu zobov'yazan neobhіdno otsіniti nayavnі Costa on rahunkah for strings vikoristannya. Rozglyanemo structure zobov'yazan bank for termіnami zaluchennya resursіv (figures 3.6 i 3.7).

W danih Table. 3.4. It is seen scho The basic Chastina resursіv bank molded for rakhunok string depozitіv. Deposits in zapitannya strukturі resursіv stanovlyat tert Chastain. Thus, on 1 sіchnya 2001 p. It has become stink 106,467 yew. UAH tobto 28.3% od zagalnoї sumi zobov'yazan. On 1 sіchnya 2002 p. їh rozmіr becomes 177 818 tis. UAH abo 30.7% od zagalnoї sumi zobov'yazan, tobto їh chastka zbіlshilasya in strukturі zobov'yazan 2.4%. Moreover, the main Chastain in strukturі depozitіv stanovlyat zalishki on the production rahunkah Yurydychna osіb - 22.2%, SSMSC zbіlshilisya proti passed rock at 9.1%. Tse positive harakterizuє Bank schodo robot novih zaluchennya klієntіv, uniquely rozshiryuє cheap base (bezkoshtovnih) resursіv.

Suma korotkostrokovih depozitіv zrosla for analіzovany perіod to 97,436 yew. i UAH 1 sіchnya 2002 p. It becomes 240 768 tis. UAH abo 42.5% od zagalnoї sumi zobov'yazan. When tsomu mainly chastku in strukturі korotkostrokovih depozitіv stanovlyat deposits fіzichnih osіb 77,365 yew. UAH abo 13.3% that mіzhbankіvskі loans - 99 062 yew. UAH abo 17.1%.

Table 3.4 Structure of zobov'yazan termіnami vikoristannya

Dovgostrokovі resource bank dosit vagomі - 145 564 tis. UAH abo 25.3%. Main Chastain Sered them stanovlyat dovgostrokovі loans NBU pid vidіlenі vikonannya tsіlovih program - 78,205 yew. UAH (13.5%), that dovgostrokovі oblіgatsії - 67,359 yew. UAH (11.6%). Dovgostrokovі deposits od Yurydychna that fіzichnih osіb stanovlyat tіlki 0.2%.

Fig. 3.6. Structure zobov'yazan for termіnami vikoristannya 1 sіchnya 2001 p.

Fig. 3.7. Structure zobov'yazan for termіnami vikoristannya 1 sіchnya 2002 p.

Zagalny visnovok about efektivnіst formuvannya resursnoї for bazi Find our termіnovostі mozhna zrobiti Taqiy. Bank Got optimal structure resursnoї bazi, yak daє zmogu poєdnuvati temple nadіynіst that stіykіst resursnoї bazi s nevisokoyu їh vartіstyu. Visoka Pete Wagga zalishkіv on rahunkah klієntіv znizhuє stabіlnіst resursnoї bazi bank zbіlshuє needful in visokolіkvіdnih assets sponukaє bank before posilannya transformatsії Chastain korotkostrokovih resursіv in bіlsh dovgostrokovі vkladennya i CIM zagostryuє lіkvіdnostі problem. In danomu bank chastka string depozitіv uniquely perevischuє pitomu nekerovanih resursіv breaking bar.

Analіz okremih vidіv zaluchenih resursіv daє zmogu konkretizuvati Roads Ahead pіdvischennya lіkvіdnostі pributkovostі that robots can. Rozglyanemo bіlsh detail pokaznikіv system, yak dopomagaє proanalіzuvati polіtiku deposit bank.