H1 - te ōwehenga whakapaipai pai. Ratio N1: Uara

Hei waihanga i tētahi hiahia pēke ki te hanga i te tahua ture. Ko te nui iti rawa o moni e hiahiatia ana mo te whakatinanatanga o ngā mahi tenei. E ai ki te ture Russian, ki te rōrahi o te EUR 5 miriona i roto i te RUPO ōrite. E ai ki te rōrahi o te whakapaipai ko reira fakapapau'i i te taea o te whakahaere o tona tupu me te whanaketanga. Hoki tenei whakaaro i reira ko te auau motuhake o te whakapaipai hāngaitanga. Ko te N1 ōwehenga me pehea te tātai ai, pānui i runga.

whakapaipai o te Bank

Kei roto te reira i te uara o ona ake, me te tāpiri tikanga. tatau ana tēnei taupū e te tātai:

IP = OK + DC, te wahi:

CC - whakapaipai o te pēke,

OK - te uara o ake moni,

DK - atu whakapaipai.

Rauemi o te hanganga o te Code Kirimina mo te pareparenga i roto i te puka o te kamupene tahi-kararehe:

• uara iti o mau whakaputaina nga hea noa i runga i te mākete;
• share moni;
• uara ränei o te hea hiahia, ngā e te tuhinga taketake stipulate kia ai taua mea i te utu-kore o pānga, ki te kore te reira e whai wāhi te hanganga o te nama ki te feia tei mau o nga peeke;
• moni, e kua hanga e runga i te tono CB;
• pai mō te nāianei nga tau, whakapumautia nei e whakaaro o te kaitātari kaute;
• te rerekētanga i waenganui i te CC me te SC, ki te i muri i heke te whakariterite anō o te nui o te tika o te pēke te.

Pūtake o UK pareparenga i te puka o LLC ko hea he kaiwhakatū utu '.

paerewa ōhanga

arotake te Central Bank wā te nui o ake moni o pūtahi nama. ka waiho ia rite tohua i roto i te tohutohu tau 1 "I te tikanga o ture nga mahi o pareparenga". Ko te nui tino o ratou - H1, te ōwehenga whakapaipai pai. regulates te reira i tūponotanga nesosotosyatelnosti o te pēke, whakaatu ana te nui iti o ake moni e hiahiatia ana ki te taupoki ana i te parekura. whakamana tātai täkupu H1 te i runga i te tātai e whai ake nei:

H1 = IC / (SUM (Au-Cri) + p + p 8807 8957 + PC + KPB + p + 10 8992 + RR x OR ...), Kei hea:

1. SK - whakapaipai o te pēke;
2. Cree - mōrearea ōwehenga o Au rawa th;
3. . P - tau aho i roto i te pūkete;
4. tūponotanga:

• EOC - no te taunahatanga ope;
• Cattle - whakawhitinga mua;
• OP - whakahaere;
• PP - mākete;
• PC - he auau nui haere.

H1 - te ōwehenga whakapaipai pai - no te pareparenga ki te rōrahi o ake moni o neke atu i te EUR 5 miriona ka 10%. Ki te he iti CC, kia waiho te uara whakarea 11% neke atu rānei.

I muri i te tukanga Basel Komiti taumata hāngaitanga tatau te motuhake mo te whakapaipai o te taumata tuatahi me te tuarua. Tuatahi Tātaitia te nui o hea taonga, te pūtea rāhui me tau faufau moni. Ko te whakapaipai taumata tuarua ngā rāhui wäriu ki taupoki ana te parekura, me te ngā peeke ranu.

tohu tere

Ko te ōwehenga o H2 whakaritea e te ōwehenga o ngā rawa tino wai, me te nui o ngä taunahatanga tono:

H2 = La / (BC - 0.5 x TW1) ai:

H2 - ōwehenga Tere;

La - rawa tino wai (moni, konganuku utu nui, moni ke, te toenga o "nostro, pauna i runga i ngā pūkete kaituhi i roto i te Central Bank, haumi i roto i te peeke kāwanatanga);

Bc - 20% o te toenga pūkete tono;

TW1 - iti toenga whakahiato o te pūkete hiranga faaineine me hinonga ture i runga i te tono.

kua ki te kia 15% neke atu rānei H2 uara Tātaia.

ōwehenga tere o nāianei:

H3 = La / (i - 0.5 x TW1)

te wahi:

I - putunga tono ki te wā o runga ki te 30 nga ra: ko te pauna i runga i ngā pūkete o nāianei, "loro", putunga me putunga; pūtea taurewa, taurangi me pūtāhui me ētahi atu herenga;

TW1 - iti toenga whakahiato o te pūkete hiranga faaineine me hinonga ture i runga i te tono mo runga ki tetahi marama.

Ko te uara tatau o te whakarea kia iti iho i te 50%.

tātai ōwehenga tere wā-roa i rite ki nga herenga, me loans ki matuatanga roa atu 12 marama:

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

Kr - taurewa e whakarato pareparenga i roto i moni, me te moni ke. kia hoki tenei ahua kia whakaurua 50% o taurangi pēke ki te wā taua o mana;

D - putunga me taurewa riro;

E - te katoa moni o te toenga iti i runga i te moni e te paari o runga ki te 1 tau.

kia iti iho i te 120% uara Tātaia.

rahua pareparenga rehabilitated ki te whakatau i te whakatakotoranga o te haumaru i roto i H1

whakaaturia ana tēnei e te hua o te tātari pūtea o pūtahi nama. I roto i ngā, "Mosoblbank" i roto i te Hui-tanguru, i rahua ki te ū ki te täkupu o H1. Ko te tau whakarea y whakahaere nama he rite ki te 0%, me te hiahiatia 10%. hapa hoki te whakahaere i te taketake, whakapaipai matua, wā roa- rawa wai. mea kahore pai i roto i te "Finance Pakihi Bank". auau o nāianei nui 4,32% te uara e hiahiatia ana. Ano, te paerewa taketake mō te hāngaitanga me te matua whakapaipai kua tukinotia. Tuatoru kamupene anōtia - "INRES" - kihai i whakarite i te whakaritenga o te Central Bank i roto i 19 ra, "BTA-Kazan" - 15 ra. I roto i NB moni "TRUST" ōwehenga hāngaitanga o te turanga, whakapaipai, tuanui me te whakamahi nui o tona ake moni, me te tahi atu hinonga ture ki 0%.

"Bimbank"

ka mau i tenei whakahaere nama mō te whakahou ake i roto i te ngahuru o whakamutunga tau, "GROWTH" rōpū pūtea. Ko whakatika raruraru mō ngā kaiuru katoa i roto i te tukanga. takahia "Ko te tupu o te Bank" i roto i te mutunga o Hānuere ōwehenga N1, e kore kua riro te maha rawaka o ngā rawa wā roa-a nui te taumata o te rongo ki te kiritaki kotahi. Credit institution "Cedar", e te whakaurua hoki i roto i te rōpū pūtea, kihai i katoa o Hānuere nui ake moni mo te mahi. I tua atu, nui te institution kua te rohe o mōreatanga nui, taurangi me pūtāhui me ngā taumata o ngā mōreatanga Insider. 12.01.15 i Bimbanka hapa hoki te whakapaipai mo te mahi. Otiia i muri mai, kua pai ake te āhuatanga.

pānga

Ko te rārangi o ētahi atu rōpū e Kua tukinotia e te täkupu o H1 he: NGO "St Petersburg Whakataunga Center", tangohia o te raihana "pahi", "Tauride", "pūtea, me te ahumahi" tahatika. Hoki ngā pūtahi nama e te hunga i te wā o te ora pūtea, te pānga o te ngā mehua e kore e tono. Otira kua ina kua takahi i te ōwehenga N1 pēke whakapaipai hāngaitanga, "te anahera", tīmata pātai. Ka taea e te ture Bank whakahoki iho i te raihana ki te e whakaiti i te uara o te tau whakarea ki te 2%. I roto i te tau pūrongo, tupu tino maha tenei ki te pareparenga tika ki rahunga hangarau. Otiia ki te i muri i fakatonutonu i te raruraru nui haere uara whakarea te, kia te Central Bank tono te mahere o te whakanohonoho pūtea tomo tona mana ki te hanganga ranei. Ko te "Karere", i maturuturu iho tenei tau whakarea ki te 9.19% mō te ra kotahi e tika ana ki te meka i i ki ake i tohatoha ki rahui te pēke.

Ko te rangatira hou i roto i te mākete

Ture whakapumautia täkupu o H1 mo nga pareparenga i te taumata o te 10%. Mai 2013 ko te tino pūmatuahia "Tinkoff". Na tae te uara o te whakarea 15.8% ka noho tiketike i roto i te noa'tu o te au mākete. I roto i te hauwhā tuatahi o tenei ahua heke ki 15,22%. Kua whakatakotoria "Russian Standard" he rekoata hou - 17,65%. He iti te tahi atu uara whare nama o te taupū, "Credit Home" - 13.9%, "Renaissance" - 12,89%, "OTP" - 12.34%.

"Russian Paerewa" Eurobonds whakahou e whakawhānui ratou wā tae noa ki 2020, riro whakapaipai atu i roto i te nui o $ 350 miriona nui haere 4% i runga i H1. Hoki ki te pēke utu pūtea te moni o te 5 ngā ōrau o nga here ränei, ka nui haere te auau ki te 13% mō te kotahi coupon. Ki te rā, te whakapaipai o te "Paerewa Russian" Ko 64 piriona moni. Ka rite ki te hua, ka taea e te whakahaere kukume taunahatanga i roto i tono, ki te tuku moni ki kamupene e pā ana ki te whānuitanga nui. Parekura hipokina te taumata tuatahi o te whakapaipai. taumata iti o te hāngaitanga - 6.26%. Ko faataa tenei e te meka e kore e ngā subordinated here i roto i reira.

I roto i te hauwhā tuatahi ngaro te pēke 6.5 piriona moni. I hua o 2014 moni te pai ki te 1.4 piriona moni. Ki te kore koe e whakaiti i te parekura, te whakapaipai o te pēhanga taumata tuatahi tlko ake i. I roto i te whakataetae rynuke i te uara o te tohu i runga: "Credit Home" - 8,42%, "Tinkoff" - 9.4%, "Te Tai Rāwhiti" - 6,74%.

e kore e hiahia ana ano Sberbank ki te tu i roto i roto i te mākete

Kua riro te whakahaere taurewa subordinirovanyny i te Central Bank i te nui o 500 piriona euros. I te kau, whakarārangitia te ahua kei rite wāhanga o te taumata tohanga II whakapaipai. Ki te he te reira ki te tahuri, te N1 ōwehenga ki te 12% hua e 1.2 ngā ōrau I roto i te rite ki te whakataetae, me te tūranga o te whakahaere i roto i te uara mākete o te ōwehenga e kore he nui. Ko tango ki pūkete te āhuatanga macroeconomic i roto i Ukraine, a he manakohia nga hua.

mutunga

Hoki te mahi angitu o te mākete e hiahiatia ake moni o te pēke. Me Pumau tonu o ratou rōrahi kia ki tohutohu i te ture pai. arotake te Central Bank wā te uara o enei tau whakarea. Ki te ka maturuturu te auau tatau ki te taumata o te 2%, kia whakakore i te faanahoraa nama te raihana.