H1 - isilinganiso dolobha nokwanela. Lokubiza uN1: Inani

Ukudala isidingo yasebhange ukwakha Isikhwama lomthetho. Lena inani lemali elincane izimali ekusetjentisweni imisebenzi. Ngokomthetho isiRashiya, ephethe umthamo we EUR 5 million ngo-ruble okulingana. Ngokusho ivolumu capital kuba yokuzimisela kungenzeka inhlangano ukukhula nokwakheka kwalo. Ngenxa yale njongo kukhona izinga ekhethekile capital nokwanela. Lokho u-N1 isilinganiso nokuthi ibalwa, funda ku.

inhlokodolobha I Bank

Kuhlanganisa ukubaluleka izindlela zayo futhi unezela. Kulolu hlu ibalwa ifomula:

IP = Kulungile + DC, lapho:

CC - dolobha asebhange,

Kulungile - ukubaluleka izimali siqu,

DK - dolobha olwengeziwe.

Imithombo kumiswa Criminal Code for the amabhange ngesimo inkampani okuhlangene isitokwe:

• Inani okuzisholo we empeleni ekhishwe wezabelo ezijwayelekile emakethe;
• isabelo-premium;
• Inani okuzisholo we ukwabelana okuthandayo, inqobo nje uma imibhalo owasungula liyasho ukuthi kungase kube yokungakhokhi of izinzuzo uma lungenayo akuhileli ukwakheka izikweletu abanikazi izibambiso;
• izimali, okuyinto akhiwa ngesicelo CB;
• inzuzo kulo nyaka, okuyinto kuqinisekiswa umbono mabhuku;
• umehluko phakathi CC kanye SC, uma emva kabusha inani nokulingana yebhange kuyehla.

Umthombo UK amabhange ngesimo LLC kuyinto ukwabelana abasunguli zokukhokha '.

namazinga kwezomnotho

Central Bank njalo libuyekeza nenani kwezimali siqu of credit izikhungo. Yena-ke uzakuba njengoba kucacisiwe inombolo imiyalelo 1 "On oda olawula imisebenzi amabhange". Into ebaluleke kakhulu kubo - H1, isilinganiso dolobha nokwanela. It ulawula izingozi nesosotosyatelnosti ebhange, kubonisa inani lemali elincane izimali siqu kuyadingeka ukuze zimboze ukulahlekelwa. H1 kuyinsakavukela ukubala wenziwa ku le ndlela elandelayo:

H1 = IC / (ISAMBA (Au-CRI) + p + p 8807 8957 + PC + KPB + p + 10 8992 + RR x NOMA ...), Kuphi:

1. SK - inhlokodolobha ebhange;
2. Cree - ingozi ratio Au kwempahla th;
3. . P - Inambalayini ekulandiseni;
4. izingozi:

• Izimpahla zabo - I-nezikweletu;
• Izinkomo - ukuthengiselana phambili;
• OP - yokusebenza;
• PP - emakethe;
• PC - i likhuphuke.

H1 - inhlokodolobha nokwanela isilinganiso - I-amabhange ne ivolumu izimali siqu, imali engaphezu kuka EUR 5 million kuyakuba 10%. Uma CC lincane, ukubaluleka Coefficient kufanele kube-11% noma ngaphezulu.

Ukulandela inqubo Basel iKomiti nokwanela ezingeni ibalwa ngokuhlukile inhloko-dolobha ezingeni lokuqala nelesibili. Okokuqala sinquma inani yengcebo ukwabelana, isiKhwama inqolobane kanye engenayo iminyaka inhlamba. Eyesibili ezingeni dolobha kuhlanganisiwe revaluation izinqolobane ukumboza ukulahlekelwa kanye izibambiso ezihlukahlukene hybrid.

izinkomba zezimali

Isilinganiso H2 kunqunywa ratio amafa uketshezi kakhulu kanye nenani funa nezikweletu:

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

H2 - isilinganiso Quick;

La - amafa uketshezi kakhulu (imali, amatshe ayigugu, izimali zakwamanye amazwe, ibhalansi "nostro, ezilinganisweni ku umlobeli-akhawunti e-Central Bank, izimali izibambiso kahulumeni);

Bc - 20% ibhalansi funa akhawunti;

TW1 - ubuncane ibhalansi sesisonke we-akhawunti ukuphakama pre- nezinhlangano ezingokomthetho kwesidzingo.

Kubalwa ukubaluleka H2 kufanele kube-15% noma ngaphezulu.

Yamanje zezimali isilinganiso:

H3 = La / (kusuka - 0.5 x TW1)

lapho:

On - funa ezifakwa nge term yizinsuku ezingu-30: ezilinganisweni-akhawunti zamanje, "Loro", imali kanye imali; ukubolekisa, iziqiniseko kanye iziqinisekiso nezinye izibopho;

TW1 - ubuncane ibhalansi sesisonke we-akhawunti ukuphakama pre- nezinhlangano ezingokomthetho ngokufunwa inyanga elilodwa.

Inani ibalwa we Coefficient kufanele ngaphansi kuka-50%.

Yesikhathi eside ibe yimali isilinganiso yabalelwa ngokuvumelana nezibopho kanye loans ne maturities isikhathi esingaphezu kwezinyanga ezingu-12:

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

Kr - ukubolekisa ezinikeza amabhange in ruble futhi izimali zakwamanye amazwe. Lesi sibalo kufanele futhi zifakwe 50% iziqinisekiso yasebhange nenani lesikhathi esifanayo sokusebenza;

D - imali kanye loans wathola;

O - ingqikithi ibhalansi ubuncane kwi-akhawunti nge ukuvuthwa enyakeni 1.

Inani Kubalwa Kufanele libe ngaphansi kuka-120%.

amabhange avuselelwa ihlulekile ukuhlangabezana sokunqophisa ukuphepha ngokusebenzisa H1

Lokhu kuboniswa imiphumela ukuhlaziywa zezimali of credit izikhungo. Ikakhulukazi, "Mosoblbank" ngo-February, ehluleka ukuhambisana yinto evamile ukukhuluma H1. Coefficient y inhlangano credit ilingana 0%, ne edingekayo 10%. Le nhlangano iphinde ayengenalo eziyisisekelo, inhlokodolobha core, yesikhathi eside ketshezi amafa. izinto Hhayi kangcono "Ezezimali Business Bank". Izinga yamanje kudlulwe 4,32% inani wayefisa. Futhi, amazinga ayisisekelo zenele kanye core dolobha adicilelwe. Okwesithathu inkampani kabusha - "INRES" - akuzange ukufeza nezidingo Central Bank zingakapheli izinsuku 19, "BTA-Kazan '- 15 izinsuku. Ngo NB "THEMBELA" nokwanela okungu base, inhloko-dolobha, ophahleni kanye nokusetshenziswa enkulu esikhwameni salo nezinye izinhlangano ezingokomthetho zaba 0%.

"Bimbank"

Le nhlangano wathatha nguye ofanelwe udumo ngenxa ukulungiswa ekwindla ka ngonyaka odlule, "UKWANDA" iqembu zezimali. Kodwa kwaphakama izinkinga bonke abahlanganyeli kule nqubo. "Kukhula Bank" ekupheleni kuka-January, waphula yinto evamile ukukhuluma H1, ayizange ithole inombolo ezanele amafa eside futhi kudlulwe ezingeni ukuchayeka iklayenti olulodwa. Sesikweletu "Cedar", okuyilona elisebenzayo futhi afakwe eqenjini zezimali, konke Januwari kwakunganele izimali siqu izindleko zokuhlinzwa kwakho. Ngaphezu kwalokho, isikhungo idlule umkhawulo izingozi ezinkulu, iziqiniseko kanye yeziqinisekiso amazinga ngaphakathi izingozi. 12.01.15 at Bimbanka wayentula inhlokodolobha izindleko zokuhlinzwa kwakho. Kodwa kamuva lesi simo saba ngcono.

imiphumela

Uhlu nezinye izinhlangano ukuthi wephule yinto evamile ukukhuluma H1 yilezi: NGO "Petersburg Settlement Centre", zibancishe ilayisensi "shipbuilding", "Tauride", amabhange "zezimali kanye ezimbonini". Ukuze credit izikhungo ukuthi kukhona at the stage of yokutakula zezimali, umthelela neendlela ezahlukahlukeneko azisebenzi. Kodwa lapho isilinganiso uN1 yasebhange dolobha nokwanela buphuliwe, "I-Messenger", imibuzo uqale. umthetho Bank angawususa ilayisensi uma ukubaluleka Coefficient uzokwehla 2%. Phakathi nonyaka nokubika, lokhu kwenzeka kaningi impela namabhange ngenxa yokuhluleka lobuchwepheshe. Kodwa uma ngemva ekulungiseni izinkinga ukubaluleka Coefficient luyanda, Central Bank angacela uhlelo ukuvuselelwa zezimali noma faka kophiko lwayo ku isakhiwo. I "+ Messenger", lokhu Coefficient lehla 9,19% ngosuku olulodwa ngenxa yokuthi ibhange kwadingeka ukwandisa ukunikezelwa izinqolobane.

Umholi omusha emakethe

Ngokomthetho yinto evamile ukukhuluma H1 ngokuba namabhange ezingeni 10%. Kusukela 2013 kwaba lifakwa kakhulu "Tinkoff". Inani Coefficient ke safinyelela 15.8% futhi wahlala okusezingeni eliphezulu ngaphakathi spite of mkhuba emakethe. Esikhathini ikota yokuqala yale sibalo sehle ukuze 15,22%. "Russian Standard" umise irekhodi elisha - 17,65%. Enye credit izikhungo ukubaluleka index liphansi, "Ekhaya Credit" - 13.9%, "Renaissance" - 12,89%, "i-OTP" - 12,34%.

"Russian Standard" Eurobonds kabusha by kuyoshaya isikhathi sabo sokuzijabulisa kuze kube-2020, wathola dolobha ezengeziwe inani $ 350 izigidi ezingu anda 4% ku H1. Ukuze uthole yasebhange ukukhokhela zimali premium 5 ngemaphesenti izibopho okuzisholo bese ukhulisa izinga ku-13% ngenxa yesizathu esisodwa isigqebhezana. Kuze kube manje, inhloko-dolobha "Russian Standard" kuyinto ruble 64 bhiliyoni. Ngenxa yalokho, le nhlangano okungadonsela nezikweletu ngokusebenzisa amathenda, nibolekisa izinkampani okuhlobene ngokwezinga elikhulu. Ukulahlekelwa ihlanganisa ezingeni lokuqala dolobha. Izinga eliphansi nokwanela - 6,26%. Kodwa lokhu kuchazwe yokuthi akubandakanyi izibopho subordinated kuwo.

Phakathi ngekota yokuqala ebhange elahlekile ruble 6.5 bhiliyoni. On imiphumela 2014 inzuzo zaba ruble eziyizinkulungwane ezingu-1,4. Uma ungenalo zokunciphisa ukulahleka, inhloko-dolobha ezingeni ingcindezi lokuqala tlko ukwandisa. Ngo izimbangi rynuke enanini inkomba ngenhla: "Ekhaya Credit" - 8,42%, "Tinkoff" - 9.4%, "East" - 6,74%.

Sberbank ingakahambisani ufuna wehluke emakethe

Inhlangano lithole loan subordinirovanyny kusukela Central Bank ngo inani euro ayizigidi eziyizinkulungwane ezingu-500. Okwamanje, i-sibalo efakwe ohlwini njengengxenye Tier II dolobha. Uma kuwukuthi ukuguqula, ku-N1, isilinganiso nge 12% anyuswe 1.2 ngemaphesenti Uma eqhathaniswa encintisana isikhundla wenhlangano enanini emakethe ye-ratio akukona okusezingeni eliphezulu. Kodwa kucatshangelwa isimo macroeconomic e-Ukraine futhi imiphumela ziyamukeleka.

isiphetho

Ukuze ukusebenza ngempumelelo emakethe izimali ebhange uqobo ziyadingeka. ivolumu yabo kumele isungulwe ukweluleka iziqondiso nokwanela. Central Bank njalo libuyekeza ukubaluleka kwalezi okuza. Uma izinga ibalwa izomashela ezingeni 2%, isikhungo credit kungenzeka basule ilayisense.