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Analіz bankіvskoї dіyalnostі - Gerasimov AM

3.6. Analіz depozitіv to zapitannya

Vazhlivoyu warehouses resursnoї bazi bank Je zalishki koshtіv on the production rahunkah klієntіv that on korrahunkah іnshih bankіv, tobto deposits zapitannya. Analіz zalishkіv koshtіv on rahunkah klієntіv s pozitsії lіkvіdnostі balance zdіysnyuєtsya on osnovі danih about їh chastku in zagalnіy sumі zobov'yazan. Digit Pete Wagga depozitіv to zapitannya negatively vіdbivaєtsya on stanі lіkvіdnostі bank: for au-Perche, pogіrshuєtsya spіvvіdnoshennya lіkvіdnih aktivіv that zobov'yazan to zapitannya, yak harakterizuє precisely lіkvіdnіst; Alternatively, znizhuєtsya stabіlnіst resursnoї bazi bank. Prote zbіlshennya chastki depozitіv to zapitannya in zagalnih zobov'yazannyah zmenshuє vіdnosnu vartіst resursnoї bazi in tsіlomu.

Polіpshennya lіkvіdnostі Mauger Buti dosyagnuto through zmіnu structuring zaluchenih that pozichenih koshtіv, zbіlshennya pitomoї crowbars string depozitіv mozhlivim reissuance stabіlnoї Chastain zalishkіv koshtіv on rahunkah to zapitannya in strokovі deposits zaluchennya znachnoї kіlkostі smallest in klієntіv for rahunkami yakih not buvaє velikoї amplіtudi Oscillations on zalishkah.

For analіzu depozitіv to zapitannya vikoristovuyutsya, factuality, takі samі pokazniki, yak i at analіzі string depozitіv:

1. Oborotnіst koshtіv on the production rahunkah klієntіv. Tsey pokaznik vіdbivaє Quantity oborotіv scho zdіysnyuyut onkolnі deposits for Pevnyi perіod i rozrahovuєtsya of the formula:

2. Trivalіst one-call depozitіv turnover in days (abo serednіy termіn utrimannya koshtіv on the production rahunkah). For yogo rozrahunku vikoristovuєtsya formula:

Chim bіlshy Tsey pokaznik, team stabіlnіsha resource base.

3. Rіven osіdannya koshtіv rahunkah on the production:

4. Koefіtsієnt nestabіlnostі depozitіv:

Vіdhilennya od serednogo zalishku an amount koefіtsієnta nestabіlnostі viznachaє mіnіmalnі that maksimalnі mezhі stabіlnogo zalishku on the production rahunkah. Chim nizhchy koefіtsієnt nestabіlnostі, team vischy mіnіmalny stabіlny zalishok, yaky Mauger Buti recertifying deposit rakhunok. Takі rozrahunki potrіbno Robit yak for vsіma zalishkami on rahunkah klієntіv, so i for okremimi rahunkami s metoyu viznachennya stabіlnih zalishkіv in okremih klієntіv (s dwellers provoditi their robot schodo vіdkrittya deposit rahunkіv). Yakscho Oscillations on rahunkah okremih klієntіv znachnі and on zagalnіy sumі rahunkіv nevelikі stench, the resource base can be vvazhati stabіlnoyu. Yakscho pіdpriєmstvo postіyno pіdtrimuє zalishok on the production rahunkah in Pevnyi furrows, vono Mauger otrimuvati pіlgi pid hour rozrahunkovo-kasovogo vuvannya attendants.

Vikoristovuyuchi danі Table. 3.1 danі is the turnover balance balance bank rozrahuєmo osnovnі pokazniki scho harakterizuyut stabіlnіst depozitіv to zapitannya.

Analіz string depozitіv dotsіlno pochinati s analіzu їh structure.

table 3.8

Analіz structuring depozitіv to zapitannya

Analіz structuring depozitіv to zapitannya (Table 3.8.) Svіdchit about those scho mainly chastku stanovlyat zalishki on the production rahunkah klієntіv - Yurydychna osіb. Їh Pete Wagga at strukturі depozitіv to zapitannya in 2001 p. It becomes 46.5%, and in 2002, p. zrosla to 72.4%, tobto zbіlshilas by 25.9 percentage points, while in absolute rozmіrі zrosla to 79,199 yew. UAH. Podіbna tendentsіya pov'yazana s Activity zaluchennyam novih klієntіv to the bank, scho positive harakterizuє robot bankіvskih menedzherіv that vіddіlu marketing. On tsomu tlі zrostannya absolute rozmіru koshtіv on rahunkah fіzichnih osіb 1,380 tis. UAH prizvelo to vіdnosnogo zmenshennya їh chastki in strukturі-call depozitіv s 8.3 to 5.7%, tobto zmenshilis by 2.6% percentage points. Zrosla role this mean i resursіv, yak zalishki on platіzhnih kartka. In absolute razі zrostannya їh obsyagu for doslіdzhuvany perіod on 3499 tis. UAH abo mayzhe vdvіchі, їh chastka in zagalnіy strukturі zrosla by 0.7 percentage point, scho Yea Positive yavischem. Descho zmenshilis absolyutnі rozmіri yak, so i Pete Wagga zalishkіv on korespondentskih rahunkah іnshih bankіv on rahunkah sovereign, mіstsevogo byudzhetіv that pozabyudzhetnih fondіv.

The following Etap analіzu Je viznachennya oborotnostі depozitіv to zapitannya that їh stabіlnostі. Rozglyanemo їh guidance on nizhche prikladі (tab. 3.9).

table 3.9

Analіz oborotnostі depozitіv to zapitannya

Yak svіdchat danі Table. 3.9 oborotnіst depozitіv to zapitannya uniquely bіlsha, nіzh oborotnіst string depozitіv. Prote for analіzovany perіod vіdbuvalosya Neznachny upovіlnennya oborotnostі resursіv tsogo mind. So, Quantity oborotіv-call depozitіv zmenshilasya s 35.1 to 28.5 times, 6.6 times tobto. Vіdpovіdno trivalіst of deposit turnover in days zbіlshilas s 10.4 days to 12.8 days, 2.4 days abo. Upovіlnennya oborotnostі koshtіv on the production rahunkah klієntіv spriyaє pіdvischennyu lіkvіdnostі bank that led to umovnogo vivіlnennya koshtіv s turnover - 32 805.7 yew. UAH:

The = (12,8 - 10,4) • 4989 201.7 / 365 = 32 805.7.

Koefіtsієnt osіdannya koshtіv on the production rahunkah zmenshivsya s 0.014 to 0.001, 0.013 tobto. Oznachaє Tse, scho sailed koshtіv on tsі rahunki upovіlnivsya: Yakscho in 2001 p. on skin hryvnia koshtіv scho nadіyshli on tsі rahunki osіdalo 1.4 kopecks., then in 2002, p. - 0.1 kopecks. Such tendentsіya Je zakonomіrnoyu, Aje іsnuє Pevnyi nasichenіst credit market analysis market analysis that klієntіv. Postіyne zrostannya danogo koefіtsієnta in a jar guilty zmenshuvati Tsey koefіtsієnt іnshih in banks, and in the minds of postіynoї Borotba klієntіv was theoretically TAKE nemozhlivo. Oznachaє Tse, scho whether yaky prirіst resursіv for rakhunok depozitіv to zapitannya in razі digit rozrivu in vartostі string depozitіv that depozitіv to zapitannya in Suchasnyj minds for Ukraine Je Positive yavischem, nezvazhayuchi on yogo scale.

Practice pokazuє scho-valued chastka koshtіv, SSMSC nadhodyat on potochnі rahunki klієntіv bank zalishaєtsya without Ruhu protyagom trivalogo line. zatsіkavlenі Banks zaluchennі Tsikh koshtіv strokovі on deposits for zmіtsnennya stabіlnoї depozitnoї bazi. Tom banks for Relief takoї techniques mozhut dopomogti klієntam in viznachennі chastki koshtіv od planned vitorgu scho osіdaє on the production rahunku, yak for free Skoda pіdpriєmstva Mauger Buti rozmіschena on deposit rakhunok string:

de CHSD - chastka koshtіv od planovoї viruchki scho Mauger Buti rozmіschena on deposit rakhunok string;

ZSR - serednіy zalishok koshtіv on the production of rahunku vіdpovіdny perіod passed rock;

Nfakt - faktichnі nadhodzhennya on the production rakhunok (factuality realіzatsіya for vіdpovіdny perіod passed rock);

NPL - ochіkuvanі nadhodzhennya on the production rakhunok pіdpriєmstva (s plan realіzatsії).

Otsіnyuyuchi stabіlnіst resursіv bank vazhlivo proanalіzuvati koefіtsієnti nestabіlnostі depozitіv to zapitannya. Practice svіdchit, scho in razі zbіlshennya kіlkostі klієntіv scho obslugovuyutsya in a jar, that zbіlshennya chastki Malih klієntіv, koefіtsієnt stabіlnostі zalishkіv on the production rahunkah pіdvischuєtsya for rakhunok zmenshennya amplіtudi Oscillations on Tsikh rahunkah. For teorієyu ymovіrnostі, odnochasnogo vіdplivu koshtіv on vsіh rahunkah not Mauger Buti. Vіdpliv koshtіv s rahunku a slim klієnta kompensuєtsya priplivom koshtіv on rakhunok іnshogo klієnta. Tom's bankіvskih rahunkah in tsіlomu zavzhdi Got Location postіyny zalishok. Yakscho bank Got stabіlnі zalishki for deposits up zapitannya, vіn Mauger vikoristovuvati tsі resources to kredituvannya at tsomu vitrati them will mіnіmalnimi.

For viznachennya sumi stabіlnogo zalishku on the production rahunkah rozrahovuyut koefіtsієnt nestabіlnostі (stabіlnostі). Butt yogo rozrahunku danih Table rozglyanemo on osnovі. 3.10.

table 3.10

Schodennі zalishki deposit vkladen pitched in sіchen-lyuty 2002 p.

Rozrahuєmo serednє zalishkіv values ​​on the production rahunkah in sіchnі that lyutomu 2002 p. Relief for serednoї hronologіchnoї:

Serednє zalishkіv values ​​on the production rahunkah klієntіv in sіchnі 154,488 Bulo yew. UAH, and lyutomu -. 127 240 tis. UAH. Amplіtuda Oscillations on Tsikh rahunkah in lyutomu Bula bіlshoyu, nіzh in sіchnі. So, serednє vіdhilennya factuality zalishkіv on rahunkah od їh serednogo value in Sich ni it becomes 15,248 yew. UAH, and lyutomu - 32,803 yew. UAH.

Fig. 3.8. Oscillations factuality values ​​on the production rahunkah klієntіv in sіchnі that in lyutomu

Vіdpovіdno koefіtsієnt nestabіlnostі in sіchnі CCB 9.9%, and in lyutomu - 25.8%. Oznachaє Tse, scho rіven stabіlnoї Chastain depozitіv to zapitannya in sіchnі CCB dosit Visokiy - 90.1%, and in lyutomu znizivsya to 74.2%, tobto serednіy stabіlny zalishok sіchnі have become - 139 193.7 yew. UAH, and lyutomu - 94,412 yew. UAH. Tse is the Chastina resursіv on yak Mauger rozrahovuvati Bank, yak for credit, yaky Mauger Buti vikoristany for active operatsіy.

For analіzu rozvitku klієntskoї bazi vikoristovuyutsya takі koefіtsієnti:

• koefіtsієnt plinnostі klієntіv;
• koefіtsієnt zaluchennya klієntіv;
• koefіtsієnt zakrіplennya klієntіv;
• koefіtsієnt postіynostі klієntіv.

Koefіtsієnt plinnostі klієntіv rozrahovuєtsya for with such a formula:

Koefіtsієnt postіynostі klієntіv rozrahovuєtsya of the formula:

Kpost = 1 - KPL.

Koefіtsієnt zaluchennya klієntіv rozrahovuєtsya of the formula:

Koefіtsієnt rozshirennya klієntskoї bazi rozrahovuєtsya of the formula:

Rozglyanemo technique rozrahunku Tsikh pokaznikіv on prikladі rahunkіv Yurydychna osіb (tab. 3.11).

For danimi tablitsі seen scho Bank postupovo (Hoca i Neznachny pace) rozshiryuє klієntsku base. In 2001 r. koefіtsієnt zaluchennya klієntіv becomes 4.8%, and in 2002, p. - 4.4%, tobto znizivsya by 0.4 percentage points. Vіdpliv klієntіv vіdbuvavsya Mensch mіroyu, nіzh їh zaluchennya. In 2001 r. vіn becomes 3.2%, and in 2002 r.- 2.2%. Vіdpovіdno koefіtsієnt rozshirennya klієntskoї bazi zrіs s 1.6% to 2.2 tobto by 0.6 percentage points.

One promising іz vidіv zaluchen resursіv Je vprovadzhennya rozrahunkіv for Relief platіzhnih kartok.

table 3.11

Analіz rozvitku klієntskoї bazi