H1 - guru adequacy reshiyo. Ratio n1: Kukosha

Kusika bhanga vanofanira kuumba mitemo mari. Ndiyo shoma uwandu mari inodiwa kuti Implementation zvinhu. Maererano nomutemo Russian, aine bhuku EUR mamiriyoni 5 Ruble nerokuti. Maererano bhuku guru zviri akatsunga nokuda zvinoita sangano kukura kwayo uye kubudirira. Nokuti chinangwa ichi pane pamwero chaiye guru adequacy. Ndizvo reshiyo n1 uye sei rinowanikwa, verenga mberi.

The Bank kuti guta

Chinosanganisira kukosha warwo uye achiwedzera nzira. indekisi ichi rinowanikwa ne nzira:

IP = OK + DC, apo:

CC - kubhangi kuti guta,

OK - kukosha pachavo mari,

DK - okuwedzera guta.

Manyuko paumbwe Criminal Code kuti mabhanga ari muchimiro vadyi wemari kambani:

• chezita kukosha chaizvoizvo rakapa vanhuwo migove pamusoro pamusika;
• mugove shoma;
• chezita kukosha zvinodiwa migove, akapa kuti dzakavamba magwaro anoratidza kuti ruve vasiri kuripwa mibayiro, kana hakudi paumbwe chikwereti kuna yokuisira ari kuchengetedzeka;
• Mari, izvo yakaumbwa pamusoro CB chikumbiro;
• haibatsiri nokuti gore uno, izvo kunosimbiswazve nemashoko wevanoongorora akaunzi mafungiro;
• musiyano CC uye SC, kana mushure nokubatanidzwazve chitsama kubhangi kuti nokururama ipfupi.

Kunobva UK mabhanga muchimiro LLC ndiyo migove muripo havaoni '.

zvoupfumi mitemo

The Central Bank aigara akaongororazve uwandu pachavo mari kuti chikwereti masangano. Uchava raanotaura mumirayiridzo nhamba 1 "On hurongwa yokudzora mumabasa mabhanga". Chinonyanya kukosha kwavari - H1, guta guru adequacy reshiyo. It inodzora nesosotosyatelnosti ngozi kubhangi, rinoratidza shoma uwandu pachavo mari inodiwa kufukidza varasikirwa. H1 wokuyera kukarukureta rinoitwa musi mutoo:

H1 = IC / (Verenga (Au-Cri) + peji + peji 8807 8957 + PC + KPB + S. + 10 8992 + RR X KANA ...), Where:

1. SK - capital of bank;
2. Cree - njodzi nhamba Au fung twa;
3. . P - mutsetse nhamba dzinorondedzera;
4. nengozi:

• EOC - nokuti contingent munataisireva;
• Mombe - mberi kwema;
• OP - woshanda;
• PP - musika;
• PC - yakawedzerwa zvazvingava.

H1 - guru adequacy reshiyo - nokuti mabhanga ne bhuku pachavo mari anodarika EUR 5 miriyoni vachava 10%. Kana CC iduku, asi coefficient ukoshi inofanira kuva 11% kana kupfuura.

Zvichitevera nzira muBasel Committee adequacy pamwero rinowanikwa yoga kuti guta guru rokutanga uye rechipiri chechetere. First anoti uwandu papfuma migove, Reserve Fund uye mari anonyadzisira makore. Chechipiri chechetere guru zvaisanganisira revaluation reserves kufukidza nokurasikirwa uye siyana remasanganiswa kuchengetedzeka.

liquidity zviratidzi

Nhamba H2 pakutsvaga reshiyo anokosha emura zvinhu uye uwandu kudiwa munataisireva:

H2 = La / (bc - 0.5 X TW1) sezvamakaropafadzwa:

H2 - Quick reshiyo;

La - zvikuru emura yesangano (mari, anokosha nesimbi, vatorwa mari, pakuenzanisa "nostro, zviyero pamusoro dzomupepanhau Nhoroondo iri Central Bank, upfumi muhurumende kuchengetedzeka);

Bc - 20% kudiwa nhoroondo pachiyero;

TW1 - pasipasi uwandu hwezvinhu zvose zvabatanidzwa. pakuenzanisa nhoroondo chi- Ukuru uye zvemitero masangano ari kudiwa.

Akaverenga ukoshi H2 anofanira kuva 15% kana kupfuura.

Current liquidity reshiyo:

H3 = La / (kubva - 0.5 X TW1)

apo:

On - kudiwa deposits ane izwi mazuva anosvika 30: pachiyero musi uno nhoroondo, "loro", deposits uye deposits; zvikwereti, inopikira uye warranties nezvimwe sungiro;

TW1 - pasipasi uwandu hwezvinhu zvose zvabatanidzwa. pakuenzanisa nhoroondo chi- Ukuru uye zvemitero masangano ari kudiwa mwedzi kusvikira mumwe.

The vakaverenga kukosha coefficient vanofanira asingasviki 50%.

Long-izwi liquidity reshiyo akanga dzaona maererano sungiro uye zvikwereti pamwe maturities refu kupfuura mwedzi 12:

H4 = Kr / (IC + R + 0.5 X D) apo:

Kr - zvikwereti kuti anopa Banks rubles uye dzimwe mari. Nhamba iyi inofanira kusanganisirwa 50% kuti chivimbiso chakasimba chekuchengetedzwa bhangi pamwe chete nguva ukoshi;

D - deposits uye zvikwereti vakagamuchira;

O - Verengai dzinokwana shoma nepakati pamusoro nyaya iri kukura anosvika 1 gore.

Akaverenga kukosha zvishoma pane 120%.

Rehabilitated mabhanga vakatadza kusangana Specification kuchengeteka kuburikidza H1

Izvi zvinoratidzwa migumisiro mari kuongorora chikwereti masangano. Zvikurukuru, "Mosoblbank" muna February, vakatadza kutevedza ndozvakajairwa pamusoro H1. The coefficient and chikwereti sangano akaenzana 0%, pamwe zvaida 10%. The sangano vaisavawo inokosha, makirisito guta, refu mvura zvinhu. zvinhu kwete nani mu "Finance Business Bank". Current zvazvingava vakapfuura 4,32% zvinodiwa ukoshi. Uyewo, zvinokosha zvinodiwa kuti adequacy uye makirisito guru kunge yatyorwa. Third kurongwazve kambani - "INRES" - hazvina kuzadzisa zvinodiwa Central Bank mukati memazuva 19, "BTA-Kazan" - mazuva 15. In NB "VIMBA" adequacy ratios nechigadziko, guru, sirin'i uye kushandisa guru pachake mari zvayo uye nezvimwe nomutemo masangano vakasvika 0%.

"Bimbank"

Sangano iri akatora kurumbidzwa mhararano inonzi mumatsutso rapera gore, "ACHIFAMBIRA" boka zvemari. Asi matambudziko akamuka kuvatori vechikamu vese vari kwacho. "The kukura Bank" muna January ava kunopera atyora reshiyo n1, haana kugamuchira nhamba refu zvinhu zvakakwana uye vakapfuura pamwero yokuwana rimwe chete munhu anoda kubetserwa. Credit sangano "Cedar", rinova mune mari boka, vose January haana kukwana pachake mari nokushanda. Uyezve, tsika rave Vakapfuura Pamuganhu guru njodzi, inopikira uye warranties uye kwevari Insider ngozi. 12.01.15 pana Bimbanka vaisavawo guta guru nokuda oparesheni. Asi gare gare chakakuita akavandudzika.

migumisiro

The mazita mamwe masangano yatyora ndozvakajairwa pakati H1 vari: NGO "St. Petersburg Settlement Center", kunyimwa rezinesi "Shipbuilding", "Tauride", "zvemari uye maindasitiri" mabhanga. Nokuti chikwereti masangano vari padariro kunaya zvemari, matambudziko matanho siyana regai kushandisa. Asi kana reshiyo n1 kubhengi guta adequacy kwave akambokanganiswa, "Mutumwa", mibvunzo yakatanga. Bank mutemo anogona kutitorera kuti rezenisi kana kukosha coefficient kuchaita kuderera 2%. Panguva kushuma gore, ichi zvinoitika kazhinji pamwe mabhanga nokuda rwokugadzira akundikana. Asi kana pashure nokururamisa matambudziko coefficient ukoshi rwuchiwanzwa, Central Bank kukumbira plan mari inorapa kana kupinda kwayo kudzora kupinda chivako. The "Mutumwa", coefficient ichi akadonha kuna 9.19% kuti zuva rimwe nokuti kuti kubhangi aifanira kuwedzera allocations kune reserves.

Mutungamiriri mutsva mumusika

Pamutemo wokuyera kuna H1 nokuti mabhanga pachiyero 10%. Sezvo 2013 chainyanya capitalized "Tinkoff". Kukosha coefficient ipapo yakasvika 15.8% uye akaramba yakakwirira pasinei pamusika muitiro. In wokutanga chikamu mufananidzo uyu yakaderera kusvika 15.22%. "Russian Standard" akatara zvinyorwa zvitsva - 17,65%. Mumwe chikwereti masangano kukosha indekisi yakaderera, "Home Credit" - 13.9%, "Renaissance" - 12,89%, "OTP" - 12.34%.

"Russian Standard" Eurobonds restructured paakaitira nguva yavo kusvikira 2020, mamwe guta iri uwandu $ mamiriyoni 350 vakawedzera 4% musi H1. Nokuti mubhengi kubhadhara vanoita shoma 5 kubva muzana pfungwa of aizviti zvisungo ikawanda mwero kusvika 13% chete kopani. Pari, guta guru "Russian Standard" ndiyo mabhiriyoni 64 rubles. Somugumisiro, sangano rinogona kukwezva munataisireva kuburikidza tenders, kuti vanokweretesawo makambani akarondedzera mukuru pamwero. Nokurasikirwa anofukidza nenhanho guru rokutanga. Low pamwero adequacy - 6.26%. Asi ichi rinotsanagurwa ndechokuti haibatanidzi akaisa zvisungo mairi.

Panguva yokutanga kota kubhangi akarasikirwa mabhiriyoni 6.5 rubles. On zvabuda 2014 mubereko vakasvika mabhiriyoni 1,4 rubles. Kana musingadi kuderedza marwadzo, guta guru rokutanga chechetere kufurirwa tlko kuwedzera. In rynuke vakwikwidzi iri kukosha chinoratidza kupfuura: "Home Credit" - 8,42%, "Tinkoff" - 9.4%, "East" - 6,74%.

Sberbank haasati kuda kumira kunze mumusika

The sangano vaakagamuchira subordinirovanyny chikwereti kubva Central Bank mu uwandu bhiriyoni 500 euros. Panguva iyoyo, nhamba dziri sechikamu weDanho II guru. Kana kutendeutsa, nhamba n1 ane 12% kuwedzera ne 1,2 kubva muzana pfungwa In tichienzanisa vakwikwidzi uye vesangano nzvimbo pamisika kukosha reshiyo hakusi kumusoro. Asi kufungisisa macroeconomic mamiriro muUkraine migumisiro zvinogamuchirika.

mhedziso

For vakabudirira kushanda pamusika pachavo mari kubhangi kuti zvinodiwa. Inzwi ravo rinofanira kusimbiswa kuti kurayira adequacy mitemo. The Central Bank aigara akaongororazve kukosha coefficients izvi. Kana akaverenga mwero achadonha kusvika padanho 2%, kadhi sangano anogona kuvatorera rezinesi.