H1 - i ratio capital luyasebenza. Ratio N1: Value

Ukudala imfuneko ebhankini ukwenza ingxowa-mali ezimiswe ngokomthetho. Le mali ubuncinane mali efunekayo ukuze kuphunyezwe imisebenzi. Ngokutsho komthetho Russian, kwaye inomthamo EUR 5 million imali engange elingana. Ngokutsho umthamo capital oko yokuzimisela ithuba lombutho angakhuli kwaye angaphuhli. Ukulungiselela le njongo, kukho izinga okhethekileyo capital. Yiloo nto ke N1 ratio siyifumane nendlela ethe yabalwa ngayo, ufunde.

capital I-Bank

Oku kuquka ixabiso mali kunye nokongeza. Esi salathisi ibalwa yi ifomula:

IP = Kulungile + DC, apho:

CC - ezinkulu yebhanki,

Kulungile - ixabiso ngemali yakhe,

DK - imali eyongezelelweyo.

Imithombo zokusekwa kwe-Code yoLwaphulo ukuba iibhanki ngohlobo inkampani joint-stock:

• ixabiso eliyimali sezabelo ngokwenene ezikhutshwe abaqhelekileyo kwi emarikeni;
• share premium;
• ixabiso eliyimali le izabelo kukhetha, ukuba amaxwebhu okuqala imisela ukuba inokuba ukungahlawulwa izahlulo, ukuba ngaba kubandakanya ukusekwa ityala abanikezwa izibambiso;
• mali, apho kwakheka kwi isicelo CB;
• nanzuzo nyaka, nto leyo ingqinwa kuluvo lomphicothi-;
• umahluko phakathi CC kunye SC, ukuba emva kokuba ngokuhlanganisa semali equity ibhanki leyo lifinyele.

Umthombo UK zeebhanki ngohlobo LLC kukho izabelo a Abaseki intlawulo '.

nemigangatho yemo yezoqoqosho

I-Central Bank rhoqo kwakhona isixa-mali yabo amaziko ngetyala. Yena uya kuba njengoko kucacisiwe imiyalelo inombolo 1 "Xa umyalelo olawula imisebenzi yeebhanki". Eyona nto ibalulekileyo kubo - H1, umlinganiselo capital luyasebenza. UMthetho ubungozi nesosotosyatelnosti ye ebhankini, ibonisa isixa ubuncinane kwiimalizabo efunekayo ukukhusela ilahleko. H1 norm ubalo lwenziwa kwi fomula ilandelayo:

H1 = IC / (SUM (Au-liqu) + p + p 8807 8957 + PC + KPB + p + 10 8992 + RR x OKANYE ...), Uphi:

1. SK - elikomkhulu elunxwemeni;
2. Cree - umngcipheko ratio ye Au asset th;
3. . P - umgca manani kule akhawunti;
4. ubungozi:

• Zabo - kuba Amatyala anokuvela;
• Iinkomo - Iintengiselwano phambili;
• OP - zokusebenza;
• PP - market;
• PC - elandileyo rate.

H1 - kwesihloko ukufaneleka ratio - yeebhanki kunye umthamo kwiimalizabo abangaphezu kwe EUR kwezigidi ezi-5 iya kuba-10%. Ukuba CC incinane, ixabiso lomlingani kufuneka-11% okanye ngaphezulu.

Kulandela inkqubo kwinqanaba ukufaneleka iKomiti Basel sibalwa ngokwahlukeneyo Njengekomkhulu kwinqanaba lokuqala nelesibini. Okokuqala ubala ixabiso lezabelo zobuncwane, -mali egciniweyo kunye nengeniso iminyaka inhlamba. I-capital Inqanaba lesibini njengexatyiswe oovimba ukukhusela ilahleko nezibambiso ezahlukeneyo gqith.

Iimpawu yimali

Umlinganiselo woviwo H2 emiselwe umlinganiselo asethi ulwelo kakhulu yaye isixa liabilities imfuno:

H2 = La / (Bc - 0.5 x TW1) apho:

H2 - ratio Quick;

La - asethi ulwelo kakhulu (imali, amatye anqabileyo, imali amazwe, intsalela "nostro, iibhalansi kwi akhawunti kumnxulumanisi Central Bank, utyalo ngokhuselo government);

Bc - 20% eseleyo akhawunti imfuno;

TW1 - balance isambuku akhawunti ubuhandiba yaphambi kunye amaqumrhu asemthethweni xa kukho imfuneko.

Ibalwa ixabiso H2 kufuneka abe-15% okanye ngaphezulu.

amatyala Current ratio:

H3 = La / (ukusuka - 0.5 x TW1)

apho:

On - needipozithi imfuno kunye isithuba seentsuku ukuya ku-30: iibhalansi kwi-akhawunti yangoku, "loro", iidiphozithi kunye needipozithi; mboleko, iigaranti kunye iziqinisekiso kunye nezinye izibophelelo;

TW1 - balance isambuku akhawunti ubuhandiba yaphambi kunye amaqumrhu asemthethweni kwi imfuno ngenyanga ukuya kwenye.

Ixabiso ibalwa le lomlingani kumele ngaphantsi kwama-50%.

ratio amatyala Long-gama ebalwa ngokungqinelana izibophelelo kunye mboleko isithutyana ngaphezu kweenyanga ezili-12:

H4 = Cr / (IC + R + 0.5 x D) apho:

Cr - mboleko ukuba inike engange kunye imali yelinye ilizwe. Eli nani kufuneka zibandakanywe-50% kweziqinisekiso yebhanki kunye nexesha elifanayo lokuba semthethweni;

D - iidiphozithi mboleko ezifunyenweyo;

O - kwanazo zonke eseleyo ubuncinane kwi-akhawunti kunye ukuvuthwa ukuya kunyaka 1.

Ixabiso kubalwa kufuneka ibe ngaphantsi kwe-120%.

iibhanki ilungiswa ayiphumelelanga ukuhlangabezana incazelo zokhuseleko nge H1

Oku kuboniswa kwiziphumo zohlalutyo mali lwamaziko ngetyala. Ngokukodwa, "Mosoblbank" ngoFebruwari, wasilela ukuthobela udidi H1. Le lomlingani y Umbutho ngetyala ilingana no0%, kunye efunekayo-10%. Lo mbutho babengenalo ke, ikomkhulu core, ixesha elide esisiseko asethi ulwelo. izinto ngcono kwi "Finance Business Bank". zinga ladlula 4.32% ixabiso olifunayo. Kwakhona, imigangatho esisiseko ukwanela kunye nomxholo capital aye anyhashwa. Okwesithathu inkampani bahlela - "INRES" - akazange ukuzalisekisa iimfuno Central Bank kwiintsuku 19, "BTA-Kazan '- iintsuku ezili-15. In QAPHELA "TRUST" Umlinganiselo nokwanela isiseko, imali, isilingi kunye nokusetyenziswa enkulu kwemali zayo kunye namanye amaqumrhu asemthethweni yaba ku-0%.

"Bimbank"

Lo mbutho wathabatha adunyiswe nokulungiswa ekwindla kunyaka ophelileyo, "ZOKUKHULA" iqela zemali. Kodwa iingxaki kwavela kubo bonke abathathi-nxaxheba kule nkqubo. "Ukukhula Bank" ekupheleni ngoJanuwari lophule ratio N1, hayi lifumene inani elaneleyo asethi ixesha elide lagqithisa inqanaba sesichengeni a client enye. iziko Credit "Cedar", nto leyo nayo ifakiwe neqela lezemali, yonke January na imali eyaneleyo ukwenzela ukusebenza. Ukongeza, iziko liye lagqithisa kumda lweengozi ezinkulu, iigaranti kunye iziqinisekiso kunye namanqanaba umngcipheko ngaphakathi. 12.01.15 e Bimbanka babengenalo ikomkhulu lo msebenzi. Kodwa kamva imeko ibe ngcono.

imiphumela

Uluhlu neminye imibutho Niwonakalisile udidi H1 zezi: NGO "St Petersburg Settlement Centre", ndayihluthwa mvume "imikhumbi", "Tauride", "zemali-mveliso" iibhanki. Kuba Amaziko yeentengo zemboleko kwi nqanaba ekuphulukenwe zemali, ifuthe amanyathelo ahlukeneyo azisebenzi. Kodwa xa umlinganiselo N1 capital bank ukwanela ligxojiwe, "The Messenger", waqala imibuzo. umthetho Bank angarhoxa ilayisenisi ukuba ixabiso lomlingani kuya kuncipha kwi-2%. Kulo nyaka ingxelo, oku kwenzeka kaninzi kunye neebhanki ngenxa iintsilelo zobugcisa. Kodwa ukuba emva ekulungiseni iingxaki ixabiso ukungavumelani siyandiswa, i-Central Bank ingacela isicwangciso kokuvuselelwa zemali okanye faka ulawulo lwalo isakhiwo. I "Messenger", le lomlingani lehla laya 9.19% imini enye ngenxa yokuba ibhanki kwafuneka ukwandisa ulwabiwo zolondolozo.

Inkokeli entsha kwimarike

Ngokusemthethweni kusekwa udidi H1 ukuba iibhanki kwinqanaba-10%. Ukususela ngo-2013 yaba yeyona eyinkunzi "Tinkoff". Ixabiso lomlingani koko ifikelele 15.8% yaye wahlala ophezulu nangona lo mkhuba emarikeni. Kwikota yokuqala ka eli nani lehlile kwi 15.22%. "Standard Russian" umise irekhodi entsha - 17,65%. I amanye amaziko amatyala ixabiso isalathiso iphantsi, "Credit Ekhaya" - 13.9%, "Renaissance" - 12,89%, "Kucelwe" - 12,34%.

"Standard Russian" Eurobonds lahlengahlengiswa ngokupheleleyo ngokwandisa ixesha de 2020, wafumana imali eyongezelelweyo kwi-mali $ 350 million anda 4% kwi H1. Ukuze ibhanki ukuhlawula abatyali umrhumo we-5 ekhulwini iingongoma le iibhondi wesiqhelo kunye zandisa ireyithi kwi-13% ukuze coupon enye. Ukuza kuthi ga ngoku, ikomkhulu "Standard Russian" ngu 64 billion engange. Ngenxa yoko, lo mbutho okunokutsalela ngayo amatyala ngenxa ngeethenda, ziboleke neenkampani ezinxulumene ukuba kakhulu. Iilahleko iquka kwinqanaba lokuqala eyinkunzi. izinga eliphantsi ukwanela - 6.26%. Kodwa oku kuchazwe kukuba ayibandakanyi iibhondi subordinated kuwo.

Ngexesha lekota yokuqala ebhankini ezilahlekileyo engange 6.5 billion. On iziphumo ka-2014 ingeniso yaba engange 1,4 ezigidi. Ukuba ngaba ukunciphisa ilahleko, ikomkhulu yengcinezelo kwinqanaba lokuqala tlko ukwandisa. Xa okhuphisana rynuke kwixabiso isalathisi ngasentla: "Ekhaya Credit" - 8,42%, "Tinkoff" - 9.4%, "East" - 6,74%.

Sberbank akafuni kodwa ofuna ugqame kwimarike

Umbutho lifumene mboleko subordinirovanyny evela Central Bank isixa euro 500 billion of. Okwangoku, eli nani idweliswe njengenxalenye kwenqanaba eyinkunzi II. Ukuba ukuyiguqula, N1 umlinganiselo kunye nokwanda-12% ngo 1.2 ipesenti amanqaku Xa kuthelekiswa okhuphisana kunye nesikhundla yombutho kwexabiso lemarike ratio ayikho phezulu. Kodwa kuthathelwa ingqalelo imeko kuqoqosho eUkraine yaye iziphumo ezamkelekileyo.

isiphelo

Kuba ukusebenza ngempumelelo emarike weBhanki mali ziyafuneka. umthamo yazo kufuneka kusungulwe ukucebisa imimiselo nokwanela. I-Central Bank rhoqo kwakhona ixabiso le okuza. Ukuba izinga ubalwe iya kunyothulwa kwinqanaba ka-2%, iziko lekhredithi ukuyirhoxisa loo layisenisi.