H1 - babban birnin adequacy rabo. Rabo N1: Darajar

Don ƙirƙirar banki bukatar samar da wata haƙƙin na dokokin ƙa'idar asusu. Wannan ne mafi ƙarancin adadin kudi da ake bukata domin aiwatar da ayyuka. A cewar Rasha doka, tare da wani ƙarfi daga EUR miliyan 5 a ruble m. Bisa ga ƙarfi daga babban birnin kasar shi ne niyya da yiwuwar kungiyar na da girma da kuma ci gaba. A saboda wannan dalili akwai wani musamman kudi na babban birnin kasar adequacy. Wannan shi ne rabo N1 da kuma yadda aka lasafta, karanta on.

The Bank babban birnin kasar

Yana hada da darajar da kansa da kuma kara wajen. Wannan index aka lasafta ta da dabara:

IP = OK + DC, inda:

CC - bankin babban birnin kasar,

OK - darajar nasu kudi,

DK - ƙarin babban birnin kasar.

Sources na samuwar da Criminal Code ga bankuna a cikin nau'i na hadin gwiwa-stock kamfanin:

• maras muhimmanci darajar da zahiri bayar talakawa hannun jari a kasuwar.
• rabo premium.
• maras muhimmanci darajar da son hannun jari, da sharadin cewa da kafa takardun shardanta cewa shi yana iya zama da wadanda ba na biya dividends, idan shi ba ya unsa da samuwar bashin da kambun da Securities.
• kudi, wanda aka kafa a kan CB request.
• riba ga halin yanzu shekara, wanda aka tabbatar da binciken ra'ayin.
• bambanci tsakanin CC da SC, idan bayan da reorganization na adadin da banki ta ãdalci an rage.

Source na UK bankuna a cikin nau'i na LLC ne mai biyan bashin kafa 'hannun jari.

tattalin arziki nagartacce

Babban Bankin kullum sake bitar adadin nasu kudi na bashi cibiyoyin. Shi zai zama kamar kayyade a cikin umarnin da lambar 1 "A domin na gudãnar da ayyukan bankuna." A mafi muhimmanci daga cikinsu - H1, babban birnin adequacy rabo. Yana shirya nesosotosyatelnosti kasada na banki, ya nuna m adadin nasu kudi da ake bukata domin rufe asarar. H1 kullum lissafi aka yi a kan wadannan dabara:

H1 = IC / (. Sum (Au-CRI) + p + p 8807 8957 + PC + KPB + p + 10 8992 + RR x OR ..), ina:

1. SK - babban birnin kasar na banki.
2. Cree - hadarin rabo na Au th kadara.
3. . P - line lamba a cikin asusun.
4. kasada:

• EOC - for contingent wajibobi.
• Cattle - gaba ma'amaloli.
• OP - sarrafawa.
• PP - kasuwar;
• PC - wani ƙara kudi.

H1 - babban birnin adequacy rabo - domin bankuna tare da ƙara na nasu kudi na fiye da EUR miliyan 5 zai zama 10%. Idan CC ne karami, da coefficient darajar ya zama 11% ko fiye.

Sakamakon hanya Basel kwamitin adequacy matakin da aka lasafta dabam ga babban birnin kasar na farko da na biyu matakin. Da farko calculates da adadin taskar hannun jari, da ajiye asusun da samun kudin shiga maras ɗa'a shekaru. Na biyu matakin babban birnin hada revaluation reserves zuwa rufe asarar da daban-daban matasan Securities.

liquidity Manuniya

A rabo daga H2 ƙaddara da rabo na sosai ruwa dukiya da kuma adadin bukatar wajibobi:

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

H2 - Quick rabo.

La - sosai ruwa dukiya (tsabar kudi, mai daraja karafa, kudin kasashen waje, da ma'auni na "nostro, ma'aunan a kan wakilinmu asusun a cikin Central Bank, zuba jari a gwamnatin).

Bc - 20% na bukatar asusun balance.

TW1 - m tara auna daga cikin asusun xabi'a shahararsa da kuma shari'a abokai a kan bukatar.

Lasafta darajar H2 yana zama 15% ko fiye.

Yanzu liquidity rabo:

H3 = La / (daga - 0.5 x TW1)

inda:

A - bukatar adibas tare da wani ajali na har zuwa kwana 30: da ma'auni a halin yanzu asusun, "loro", adibas da adibas. rance, tabbacin da garanti da sauran wajibai;

TW1 - m tara auna daga cikin asusun xabi'a shahararsa da kuma shari'a abokai a kan bukatar har zuwa wata daya.

A lasafta darajar da coefficient kamata kasa da 50%.

Dogon lokacin da liquidity rabo da aka lasafta bisa ga wajibai da kuma bashin da maturities fiye watanni 12:

H4 = Kr / (IC + R + 0.5 x D) inda:

Kr - rance cewa samar da bankuna a rubles da kudin kasashen waje. Wannan adadi ya kamata kuma a hada 50% na tabbacin banki da na makamancin lokaci na tushe;

D - adibas da rance samu.

O - Naira Miliyan Xari total na m balance a kan asusun da balaga da har zuwa 1 shekara.

Lasafta darajar ya zama kasa da 120%.

Gyara bankuna kasa hadu da jaddadawa na tsaro ta hanyar H1

Wannan za a nuna ta da sakamakon na kudi bincike na bashi cibiyoyin. A musamman, "Mosoblbank" a watan Fabrairu, kasa cika da kullum na H1. A coefficient y bashi kungiyar ne daidai 0%, tare da ake buƙata 10%. Kungiyar ma rasa ainihin, core babban birnin kasar, na tsawon lokaci ruwa dukiya. Ba mafi abubuwa a cikin "Finance Business Bank". Yanzu kudi wuce 4,32% da ake so darajar. Har ila yau, ainihin matsayin da adequacy da core babban birnin kasar an keta. Uku sake tsarafa kamfanin - "INRES" - bai cika bukatun na Babban Bankin cikin 19 kwanaki, "BTA-Kazan" - 15 days. A NB "TRUST" adequacy rabo daga tushe, babban birnin kasar, rufi da manyan amfani da kansa kudi da kuma sauran shari'a abokai amounted zuwa 0%.

"Bimbank"

Wannan shiri ya dauki bashi ga refurbishment a cikin kaka na shekarar bara, "Ci Gaban" kudi kungiyar. Amma matsalolin tashi domin duka mahalarta a cikin tsari. "A ci gaba da bankin" a makara Janairu rushe rabo N1, bai samu wani isasshen yawan dogon lokaci dukiya da kuma wuce matakin na daukan hotuna zuwa guda abokin ciniki. Credit ma'aikata "Cedar", wanda kuma ya hada da a cikin kudi kungiya, duk Janairu bai isa nasu kudi ga aiki. Bugu da kari, ma'aikata ya wuce iyaka da manyan kasada, da tabbacin da garanti da kuma matakan da Insider kasada. 12.01.15 a Bimbanka ma rasa babban birnin domin aiki. Amma daga baya halin da ake ciki ya inganta.

effects

A jerin sauran kungiyoyi da cewa sun keta al'adar H1 ne: NGO "St. Petersburg warware Center", kuma a hana lasisi "Shipbuilding", "Tauride", "kudi da kuma masana'antu" bankuna. Domin bashi cibiyoyin cewa su ne a mataki na kudi dawo, da tasiri na da daban-daban matakan ba su shafi. Amma lokacin da rabo N1 banki babban birnin kasar adequacy an keta, "Manzon", tambayoyi fara. Bankin dokar iya janye lasisin idan tamanin da coefficient zai ragu zuwa 2%. A lokacin bayar da rahoton shekara, wannan ya faru quite sau da yawa tare da bankuna saboda fasaha kasawa. Amma idan bayan gyara matsalolin coefficient darajar da aka kara, Babban Bankin zai nemi wani shiri na kudi fi ko shigar da iko a cikin tsarin. The "Manzon", wannan coefficient ragu zuwa 9,19% domin wata rana saboda gaskiyar cewa banki ya kara asusun tarayya ga reserves.

A sabon shugaban a kasuwa

Shar'ance kafa na kullum na H1 ga bankuna a matakin 10%. Tun 2013 ne mafi manyan bakake "Tinkoff". The darajar coefficient sa'an nan ya kai 15.8% kuma kasance babban duk da kasuwa Trend. A farko kwata na wannan adadi ya ragu zuwa 15.22%. "Rasha Standard" ya kafa wani sabon tarihi - 17,65%. A sauran bashi cibiyoyin darajar da index ne low, "Home Credit" - 13,9%, "Renaissance" - 12,89%, "OTP" - 12,34%.

"Rasha Standard" Eurobonds restructured ta mikawa ajalinsu har 2020, samu ƙarin babban birnin kasar a cikin adadin $ miliyan 350 ya karu 4% a kan H1. Ga wani banki biya masu zuba jari a premium na 5 kashi maki na maras shaidu da kuma kara kudi zuwa 13% ga daya coupon. Don kwanan wata, babban birnin kasar na "Rasha Standard" ne 64 biliyan rubles. A sakamakon haka, kungiyar za a iya jawo hankalin wajibobi ta hanyar tenders, su bai wa related kamfanoni zuwa mafi girma fim. Asarar da maida hankali ne akan na farko matakin da babban birnin kasar. Low matakin na adequacy - 6,26%. Amma wannan da aka bayyana ta da cewa ba ya hada subordinated shaidu a cikin shi.

A lokacin farko da kwata da banki rasa biliyan 6.5 rubles. A sakamakon 2014 da riba amounted zuwa 1.4 biliyan rubles. Idan ba ka rage asarar da, da babban birnin kasar na farko matakin matsin lamba tlko kara. A rynuke fafatawa a gasa, a cikin darajar da nuna alama a sama: "Home Credit" - 8,42%, "Tinkoff" - 9.4%, "Gabas" - 6,74%.

Sberbank ba tukuna so tsaya fita a kasuwa

Kungiyar ta samu subordinirovanyny aro daga Babban Bankin a cikin adadin biliyan 500 Tarayyar Turai. A lokacin, da adadi ne da aka jera a matsayin wani ɓangare na bene II babban birnin kasar. Idan shi ne don maida, da rabo N1 da 12% karuwa da kashi maki 1.2 A kwatanta da fafatawa a gasa da kungiyar ta matsayi a kasuwa darajar da rabo ba high. Amma shan la'akari da halin da ake ciki macroeconomic a Ukraine da kuma sakamakon su ne m.

ƙarshe

Domin nasara aiki na kasuwar bankin nasu kudi da ake bukata. Su girma dole ne a kafa zuwa shawara da adequacy dokokin. Babban Bankin kullum sake bitar darajar da wadannan coefficients. Idan lasafta kudi za su sauke zuwa matakin na 2%, a bashi ma'aikata iya soke lasisin.