Ñèñòåìà ïîêàçàòåëåé îöåíêè ôèíàíñîâî-õîçÿéñòâåííîé äåÿòåëüíîñòè êðåäèòíûõ îðãàíèçàöèé
|13
|Ñðåäñòâà êëèåíòîâ (íåêðåäèòíûõ îðãàíèçàöèé) |
60729647| 53875499|
+------+---------------------------------------------------------+------------------------+------------------------+
|13.1
|Âêëàäû ôèçè÷åñêèõ ëèö |
32396483| 27709094|
+------+---------------------------------------------------------+------------------------+------------------------+
|14
|Ôèíàíñîâûå îáÿçàòåëüñòâà, îöåíèâàåìûå ïî ñïðàâåäëèâîé
| 0| 0|
|
|ñòîèìîñòè ÷åðåç ïðèáûëü èëè óáûòîê
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|15
|Âûïóùåííûå äîëãîâûå îáÿçàòåëüñòâà |
8835652| 8919072|
+------+---------------------------------------------------------+------------------------+------------------------+
|16
|Ïðî÷èå îáÿçàòåëüñòâà | 1721705|
1507099|
+------+---------------------------------------------------------+------------------------+------------------------+
|17
|Ðåçåðâû íà âîçìîæíûå ïîòåðè ïî óñëîâíûì îáÿçàòåëüñòâàì |
120654| 93751|
|
|êðåäèòíîãî õàðàêòåðà, ïðî÷èì âîçìîæíûì ïîòåðÿì è
| | |
|
|îïåðàöèÿì ñ ðåçèäåíòàìè îôøîðíûõ çîí
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|18
|Âñåãî îáÿçàòåëüñòâ |
109630570| 89043321|
+------+---------------------------------------------------------+------------------------+------------------------+
|
III. ÈÑÒÎ×ÍÈÊÈ ÑÎÁÑÒÂÅÍÍÛÕ
ÑÐÅÄÑÒÂ |
+------+---------------------------------------------------------+------------------------+------------------------+
|19
|Ñðåäñòâà àêöèîíåðîâ (ó÷àñòíèêîâ) |
7000000| 5004967|
+------+---------------------------------------------------------+------------------------+------------------------+
|20
|Ñîáñòâåííûå àêöèè (äîëè), âûêóïëåííûå ó àêöèîíåðîâ
| 0| 0|
|
|(ó÷àñòíèêîâ)
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|21
|Ýìèññèîííûé äîõîä |
3993011| 2946|
+------+---------------------------------------------------------+------------------------+------------------------+
|22
|Ðåçåðâíûé ôîíä |
4480440| 1050787|
+------+---------------------------------------------------------+------------------------+------------------------+
|23
|Ïåðåîöåíêà ïî ñïðàâåäëèâîé ñòîèìîñòè öåííûõ |
-1075645| 0|
|
|áóìàã, èìåþùèõñÿ â íàëè÷èè äëÿ ïðîäàæè
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|24
|Ïåðåîöåíêà îñíîâíûõ ñðåäñòâ |
1096156| 1096161|
+------+---------------------------------------------------------+------------------------+------------------------+
|25
|Íåðàñïðåäåëåííàÿ ïðèáûëü (íåïîêðûòûå óáûòêè) | 803|
1970455|
|
|ïðîøëûõ ëåò
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|26
|Íåèñïîëüçîâàííàÿ ïðèáûëü (óáûòîê) çà îò÷åòíûé ïåðèîä |
337808| 575851|
+------+---------------------------------------------------------+------------------------+------------------------+
|27
|Âñåãî èñòî÷íèêîâ ñîáñòâåííûõ ñðåäñòâ |
15832573| 9701167|
+------+---------------------------------------------------------+------------------------+------------------------+
|
IV. ÂÍÅÁÀËÀÍÑÎÂÛÅ
ÎÁßÇÀÒÅËÜÑÒÂÀ |
+------+---------------------------------------------------------+------------------------+------------------------+
|28
|Áåçîòçûâíûå îáÿçàòåëüñòâà êðåäèòíîé îðãàíèçàöèè |
108787445| 121607474|
+------+---------------------------------------------------------+------------------------+------------------------+
|29
|Âûäàííûå êðåäèòíîé îðãàíèçàöèåé ãàðàíòèè è ïîðó÷èòåëüñòâà| 18659013|
8186314|
+------+---------------------------------------------------------+------------------------+------------------------+
Áàíêîâñêàÿ îò÷åòíîñòü
+--------------+-----------------------------------------------------------------------------+
|Êîä
òåððèòîðèè| Êîä êðåäèòíîé
îðãàíèçàöèè(ôèëèàëà) |
|
ïî ÎÊÀÒÎ
+----------------+---------------------+---------------------+----------------+
|
| ïî ÎÊÏÎ | îñíîâíîé | ðåãèñòðàöèîííûé | ÁÈÊ |
|
| | ãîñóäàðñòâåííûé | íîìåð | |
|
| |ðåãèñòðàöèîííûé íîìåð|(/ïîðÿäêîâûé íîìåð) | |
+--------------+----------------+---------------------+---------------------+----------------+
|71131000000
|12507282 |1028600001880 | 1971 | 047162740 |
+--------------+----------------+---------------------+---------------------+----------------+
ÎÒ×ÅÒ
Î ÏÐÈÁÛËßÕ È ÓÁÛÒÊÀÕ
(ïóáëèêóåìàÿ
ôîðìà)
+------+---------------------------------------------------------+------------------------+------------------------+
|Íîìåð
| Íàèìåíîâàíèå ñòàòüè | Äàííûå çà
îò÷åòíûé | Äàííûå çà ñîîòâåòñòâó- |
|
| |
ïåðèîä | þùèé ïåðèîä ïðîøëîãî |
|
ï/ï | |
| ãîäà |
+------+---------------------------------------------------------+------------------------+------------------------+
|
1 | 2 |
3 | 4 |
+------+---------------------------------------------------------+------------------------+------------------------+
|1
|Ïðîöåíòíûå äîõîäû, âñåãî, â òîì ÷èñëå: |
7282093| 4362857|
+------+---------------------------------------------------------+------------------------+------------------------+
|1.1
|Îò ðàçìåùåíèÿ ñðåäñòâ â êðåäèòíûõ îðãàíèçàöèÿõ |
492113| 575761|
+------+---------------------------------------------------------+------------------------+------------------------+
|1.2
|Îò ññóä, ïðåäîñòàâëåííûõ êëèåíòàì (íåêðåäèòíûì |
5776576| 3030757|
|
|îðãàíèçàöèÿì) |
| |
+------+---------------------------------------------------------+------------------------+------------------------+
|1.3
|Îò îêàçàíèÿ óñëóã ïî ôèíàíñîâîé àðåíäå (ëèçèíãó)
| 0| 0|
+------+---------------------------------------------------------+------------------------+------------------------+
|1.4
|Îò âëîæåíèé â öåííûå áóìàãè |
1013404| 756339|
+------+---------------------------------------------------------+------------------------+------------------------+
|2
|Ïðîöåíòíûå ðàñõîäû, âñåãî, â òîì ÷èñëå: |
4552195| 2224697|
+------+---------------------------------------------------------+------------------------+------------------------+
|2.1
|Ïî ïðèâëå÷åííûì ñðåäñòâàì êðåäèòíûõ îðãàíèçàöèé |
1694905| 473265|
+------+---------------------------------------------------------+------------------------+------------------------+
|2.2
|Ïî ïðèâëå÷åííûì ñðåäñòâàì êëèåíòîâ (íåêðåäèòíûõ |
2273272| 1379282|
|
|îðãàíèçàöèé)
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|2.3
|Ïî âûïóùåííûì äîëãîâûì îáÿçàòåëüñòâàì |
584018| 372150|
+------+---------------------------------------------------------+------------------------+------------------------+
|3
|×èñòûå ïðîöåíòíûå äîõîäû (îòðèöàòåëüíàÿ ïðîöåíòíàÿ ìàðæà)|
2729898| 2138160|
+------+---------------------------------------------------------+------------------------+------------------------+
|4
|Èçìåíåíèå ðåçåðâà íà âîçìîæíûå ïîòåðè ïî ññóäàì, ññóäíîé | -1432254|
88654|
|
|è ïðèðàâíåííîé ê íåé çàäîëæåííîñòè, ñðåäñòâàì,
| | |
|
|ðàçìåùåííûì íà êîððåñïîíäåíòñêèõ ñ÷åòàõ, à òàêæå
| | |
|
|íà÷èñëåííûì ïðîöåíòíûì äîõîäàì, âñåãî, â òîì ÷èñëå:
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|4.1
|Èçìåíåíèå ðåçåðâà íà âîçìîæíûå ïîòåðè ïî íà÷èñëåííûì |
-53610| -5909|
|
|ïðîöåíòíûì äîõîäàì
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|5
|×èñòûå ïðîöåíòíûå äîõîäû (îòðèöàòåëüíàÿ ïðîöåíòíàÿ ìàðæà)|
1297644| 2226814|
|
|ïîñëå ñîçäàíèÿ ðåçåðâà íà âîçìîæíûå ïîòåðè |
| |
+------+---------------------------------------------------------+------------------------+------------------------+
|6
|×èñòûå äîõîäû îò îïåðàöèé ñ öåííûìè áóìàãàìè, îöåíèâàåìû-|
50210| -267620|
|
|ìè ïî ñïðàâåäëèâîé ñòîèìîñòè ÷åðåç ïðèáûëü èëè óáûòîê
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|7
|×èñòûå äîõîäû îò îïåðàöèé ñ öåííûìè áóìàãàìè, |
-384106| -56582|
|
|èìåþùèìèñÿ â íàëè÷èè äëÿ ïðîäàæè
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|8
|×èñòûå äîõîäû îò îïåðàöèé ñ öåííûìè áóìàãàìè, |
-544774| -47|
|
|óäåðæèâàåìûìè äî ïîãàøåíèÿ
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|9
|×èñòûå äîõîäû îò îïåðàöèé ñ èíîñòðàííîé âàëþòîé |
84411| 138900|
+------+---------------------------------------------------------+------------------------+------------------------+
|10
|×èñòûå äîõîäû îò ïåðåîöåíêè èíîñòðàííîé âàëþòû |
741744| -94355|
+------+---------------------------------------------------------+------------------------+------------------------+
|11
|Äîõîäû îò ó÷àñòèÿ â êàïèòàëå äðóãèõ þðèäè÷åñêèõ ëèö | 271|
39|
+------+---------------------------------------------------------+------------------------+------------------------+
|12
|Êîìèññèîííûå äîõîäû |
728593| 652551|
+------+---------------------------------------------------------+------------------------+------------------------+
|13
|Êîìèññèîííûå ðàñõîäû |
138558| 134237|
+------+---------------------------------------------------------+------------------------+------------------------+
|14
|Èçìåíåíèå ðåçåðâà íà âîçìîæíûå ïîòåðè ïî öåííûì áóìàãàì, |
-111818| 0|
|
|èìåþùèìñÿ â íàëè÷èè äëÿ ïðîäàæè
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|15
|Èçìåíåíèå ðåçåðâà íà âîçìîæíûå ïîòåðè ïî öåííûì áóìàãàì,
| 0| 0|
|
|óäåðæèâàåìûì äî ïîãàøåíèÿ
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|16
|Èçìåíåíèå ðåçåðâà ïî ïðî÷èì ïîòåðÿì |
207549| -29278|
+------+---------------------------------------------------------+------------------------+------------------------+
|17
|Ïðî÷èå îïåðàöèîííûå äîõîäû |
1989129| 91233|
+------+---------------------------------------------------------+------------------------+------------------------+
|18
|×èñòûå äîõîäû (ðàñõîäû) |
3920295| 2527418|
+------+---------------------------------------------------------+------------------------+------------------------+
|19
|Îïåðàöèîííûå ðàñõîäû |
3515129| 1642694|
+------+---------------------------------------------------------+------------------------+------------------------+
|20
|Ïðèáûëü (óáûòîê) äî íàëîãîîáëîæåíèÿ |
405166| 884724|
+------+---------------------------------------------------------+------------------------+------------------------+
|21
|Íà÷èñëåííûå (óïëà÷åííûå) íàëîãè |
67358| 308873|
+------+---------------------------------------------------------+------------------------+------------------------+
|22
|Ïðèáûëü (óáûòîê) ïîñëå íàëîãîîáëîæåíèÿ |
337808| 575851|
+------+---------------------------------------------------------+------------------------+------------------------+
|23
|Âûïëàòû èç ïðèáûëè ïîñëå íàëîãîîáëîæåíèÿ, âñåãî,
| 0| 0|
|
|â òîì ÷èñëå:
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|23.1
|Ðàñïðåäåëåíèå ìåæäó àêöèîíåðàìè (ó÷àñòíèêàìè)
| 0| 0|
|
|â âèäå äèâèäåíäîâ
| | |
+------+---------------------------------------------------------+------------------------+------------------------+
|23.2
|Îò÷èñëåíèÿ íà ôîðìèðîâàíèå è ïîïîëíåíèå ðåçåðâíîãî ôîíäà
| 0| 0|
+------+---------------------------------------------------------+------------------------+------------------------+
|24
|Íåèñïîëüçîâàííàÿ ïðèáûëü (óáûòîê) çà îò÷åòíûé ïåðèîä |
337808| 575851|
+------+---------------------------------------------------------+------------------------+------------------------+
Áàíêîâñêàÿ
îò÷åòíîñòü
+--------------+-----------------------------------------------------------------------------+
|Êîä
òåððèòîðèè| Êîä êðåäèòíîé îðãàíèçàöèè
(ôèëèàëà) |
|
ïî ÎÊÀÒÎ
+----------------+---------------------+---------------------+----------------+
|
| ïî ÎÊÏÎ | îñíîâíîé | ðåãèñòðàöèîííûé | ÁÈÊ |
|
| | ãîñóäàðñòâåííûé | íîìåð | |
|
| |ðåãèñòðàöèîííûé íîìåð|(/ïîðÿäêîâûé íîìåð) | |
+--------------+----------------+---------------------+---------------------+----------------+
|71131000000
|12507282 |1028600001880 | 1971 | 047162740 |
+--------------+----------------+---------------------+---------------------+----------------+
ÎÒ×ÅÒ
ÎÁ ÓÐÎÂÍÅ ÄÎÑÒÀÒÎ×ÍÎÑÒÈ ÊÀÏÈÒÀËÀ,
ÂÅËÈ×ÈÍÅ
ÐÅÇÅÐÂÎÂ ÍÀ ÏÎÊÐÛÒÈÅ ÑÎÌÍÈÒÅËÜÍÛÕ ÑÑÓÄ È ÈÍÛÕ ÀÊÒÈÂÎÂ
(ïóáëèêóåìàÿ
ôîðìà)
ïî
ñîñòîÿíèþ íà 01.07.2009 ãîäà
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|Íîìåð
| Íàèìåíîâàíèå ïîêàçàòåëÿ |
Äàííûå |Ïðèðîñò (+)/ | Äàííûå íà |
|
| | íà
íà÷àëî |ñíèæåíèå (-) | ñîîòâåòñòâóþùóþ äàòó |
|
ï/ï | |
îò÷åòíîãî |çà îò÷åòíûé | îò÷åòíîãî |
|
| |
ïåðèîäà | ïåðèîä | ïåðèîäà |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1 | 2 |
3 | 4 | 5 |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1 |Ñîáñòâåííûå ñðåäñòâà (êàïèòàë), (òûñ. ðóá.), âñåãî, |
19454408.0| 2517444| 21971852.0|
|
|â òîì ÷èñëå: |
| | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.1 |Óñòàâíûé êàïèòàë êðåäèòíîé îðãàíèçàöèè, |
7000000.0| | 7000000.0|
|
|â òîì ÷èñëå: |
| | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.1.1|Íîìèíàëüíàÿ ñòîèìîñòü çàðåãèñòðèðîâàííûõ îáûêíîâåííûõ |
6999000.0| | 6999000.0|
|
|àêöèé (äîëåé) |
| | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.1.2|Íîìèíàëüíàÿ ñòîèìîñòü çàðåãèñòðèðîâàííûõ
| 1000.0| | 1000.0|
|
|ïðèâèëåãèðîâàííûõ àêöèé |
| | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.1.3|Íåçàðåãèñòðèðîâàííàÿ âåëè÷èíà óñòàâíîãî êàïèòàëà
| 0.0| | 0.0|
|
|íåàêöèîíåðíûõ êðåäèòíûõ îðãàíèçàöèé
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.2 |Ñîáñòâåííûå àêöèè (äîëè), âûêóïëåííûå
| 0.0| | 0.0|
|
|ó àêöèîíåðîâ (ó÷àñòíèêîâ)
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.3 |Ýìèññèîííûé äîõîä |
3993011.0| | 3993011.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.4 |Ðåçåðâíûé ôîíä êðåäèòíîé îðãàíèçàöèè |
1050787.0| 3429653| 4480440.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.5 |Íåðàñïðåäåëåííàÿ ïðèáûëü (íåïîêðûòûå óáûòêè): |
3178277.0| -2829341| 348936.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.5.1|ïðîøëûõ ëåò |
2031716.0| -2030913| 803.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.5.2|îò÷åòíîãî ãîäà |
1146561.0| -798428| 348133.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.6 |Íåìàòåðèàëüíûå àêòèâû
| 0.0| | 0.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.7 |Ñóáîðäèíèðîâàííûé êðåäèò (çàéì, äåïîçèò, |
3168040.0| 2116033| 5284073.0|
|
|îáëèãàöèîííûé çàéì) ïî îñòàòî÷íîé ñòîèìîñòè
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
1.8 |Èñòî÷íèêè (÷àñòü èñòî÷íèêîâ) êàïèòàëà, äëÿ ôîðìèðîâàíèÿ
| 0.0| | 0.0|
|
|êîòîðûõ èíâåñòîðàìè èñïîëüçîâàíû íåíàäëåæàùèå àêòèâû
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
2 |Íîðìàòèâíîå çíà÷åíèå äîñòàòî÷íîñòè ñîáñòâåííûõ ñðåäñòâ
| 10.0| X | 10.0|
|
|(êàïèòàëà), (ïðîöåíòîâ) |
| | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
3 |Ôàêòè÷åñêîå çíà÷åíèå äîñòàòî÷íîñòè ñîáñòâåííûõ ñðåäñòâ
| 15.3| X | 15.4|
|
|(êàïèòàëà), (ïðîöåíòîâ)
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
4 |Ôàêòè÷åñêè ñôîðìèðîâàííûå ðåçåðâû íà âîçìîæíûå |
2133271.0| 1336011| 3469282.0|
|
|ïîòåðè (òûñ. ðóá.), âñåãî,
| | | |
|
|â òîì ÷èñëå:
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
4.1 |ïî ññóäàì, ññóäíîé è ïðèðàâíåííîé ê íåé çàäîëæåííîñòè |
1824064.0| 1333558| 3157622.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
4.2 |ïî èíûì àêòèâàì, ïî êîòîðûì ñóùåñòâóåò ðèñê ïîíåñåíèÿ |
176674.0| 14332| 191006.0|
|
|ïîòåðü, è ïðî÷èì ïîòåðÿì
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
4.3 |ïî óñëîâíûì îáÿçàòåëüñòâàì êðåäèòíîãî õàðàêòåðà, |
132533.0| -11879| 120654.0|
|
|îòðàæåííûì íà âíåáàëàíñîâûõ ñ÷åòàõ, è ñðî÷íûì ñäåëêàì
| | | |
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
|
4.4 |ïîä îïåðàöèè ñ ðåçèäåíòàìè îôøîðíûõ çîí
| 0.0| | 0.0|
+------+---------------------------------------------------------+------------------------+-------------+------------------------+
Ðàçäåë
"Ñïðàâî÷íî":
1. Ôîðìèðîâàíèå (äîíà÷èñëåíèå) ðåçåðâà íà âîçìîæíûå ïîòåðè ïî ññóäàì
â îò÷åòíîì ïåðèîäå (òûñ. ðóá.), âñåãî 6538310, â òîì ÷èñëå
âñëåäñòâèå:
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1.1. âûäà÷è íîâûõ ññóä 3369408;
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1.2. èçìåíåíèÿ êà÷åñòâà ññóä 802112;
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1.3. èçìåíåíèÿ îôèöèàëüíîãî êóðñà èíîñòðàííîé âàëþòû ïî îòíîøåíèþ
ê ðóáëþ, óñòàíîâëåííîãî Áàíêîì Ðîññèè 462572;
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1.4. èíûõ ïðè÷èí 1904218;
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2. Âîññòàíîâëåíèå (óìåíüøåíèå) ðåçåðâà íà âîçìîæíûå ïîòåðè ïî ññóäàì
â îò÷åòíîì ïåðèîäå (òûñ. ðóá.), âñåãî 5204752, â òîì ÷èñëå
âñëåäñòâèå:
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2.1. ñïèñàíèÿ áåçíàäåæíûõ ññóä 508;
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2.2. ïîãàøåíèÿ ññóä 1401552;
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2.3. èçìåíåíèÿ êà÷åñòâà ññóä 1089784;
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2.4. èçìåíåíèÿ îôèöèàëüíîãî êóðñà èíîñòðàííîé âàëþòû ïî îòíîøåíèþ
ê ðóáëþ, óñòàíîâëåííîãî Áàíêîì Ðîññèè 195925;
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2.5. èíûõ ïðè÷èí 2516983;
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Ïåðâûé
âèöå-ïðåçèäåíò Ñìèðíîâ À.Ì.
Ì.Ï.
Ãëàâíûé
áóõãàëòåð Ìàðèíèíà Â.È.
Âåäóùèé
ýêîíîìèñò ÎÑÎ ïî ÐÏÁÓ Âå÷åðîê Í.À.
Òåëåôîí:(3467)
390-912
Ïðèëîæåíèå 3
Ãðóïïû
áàíêîâ, ïîëó÷åííûå â ðåçóëüòàòå êëàñòåðèçàöèè
¹ãð
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Êëàññèôèêàöèÿ áàíêîâ ïî óñëóãàì,
îêàçûâàåìûì íàñåëåíèþ è ýêîíîìèêå ñòðàíû
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Êëàññèôèöèðóþùèå êðèòåðèè
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Îñíîâíûå ôóíêöèè áàíêîâ, âõîäÿùèõ â
äàííóþ ãðóïïó
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Òèïè÷íûå ïðåäñòàâèòåëè
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1
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Êëèåíòñêèå áàíêè
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Äîëÿ ñðåäñòâ êëèåíòîâ (â äåïîçèòàõ, à
òàêæå íà òåêóùèõ è ðàñ÷åòíûõ ñ÷åòàõ) â ñòðóêòóðå ïàññèâîâ ïðåâûøàåò 70%
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1. Ðàñ÷¸òíûå – îáåñïå÷åíèå áåñïåðåáîéíûõ
ðàñ÷åòîâ, à, ñëåäîâàòåëüíî, ìèíèìèçàöèÿ âñÿêèõ êîììåð÷åñêèõ ðèñêîâ äàæå â
óùåðá ïðèáûëè
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Õàíòû-Ìàíñèéñêèé áàíê; -Íàöèîíàëüíûé
áàíê “Òðàñò”; - Ìåòàëëóðãè÷åñêèé êîììåð÷åñêèé áàíê (×åðåïîâåö) è äð.
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2. Ðîçíè÷íûå - ýòà ãðóïïà çàíèìàåòñÿ,
ïðåæäå âñåãî, ïåðåêà÷èâàíèåì äåíåã íàñåëåíèÿ â ñåêòîð êîðïîðàòèâíûõ
çàåìùèêîâ, ïðèíèìàÿ íà ñåáÿ äîâîëüíî áîëüøèå ðèñêè. Áîëüøèíñòâî áàíêîâ ãðóïïû
ÿâëÿþòñÿ ðîçíè÷íûìè ïî ïàññèâàì è îïòîâûìè ïî àêòèâàì, òî åñòü çà ñ÷åò
âêëàäîâ íàñåëåíèÿ êðåäèòóþò íå ñòîëüêî ÷àñòíèêîâ, ñêîëüêî êîðïîðàòèâíûõ
êëèåíòîâ
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- “Âîçðîæäåíèå”; - Áàëòèéñêèé áàíê;
-“Ñåâåðíàÿ êàçíà”; - Ñèáàêàäåìáàíê; - Ìîí÷åáàíê è äð.
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3. Äèâåðñèôèöèðîâàííûå - èìåþùèå
äîñòàòî÷íî ñåðüåçíóþ êîðïîðàòèâíóþ êëèåíòóðó è ïðè ýòîì íàõîäÿùèåñÿ â
ïðîöåññå ñìåíû äîìèíèðóþùåé áèçíåñ-ñòðàòåãèè
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-Áàíê Ìîñêâû; -Ðîñáàíê è äð.
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2
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Êðåäèòíûå áàíêè
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Äîëÿ êðåäèòíîãî ïîðòôåëÿ â àêòèâàõ
ïðåâûøàåò 65%
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1. Êîðïîðàòèâíûå
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-Àëüôà-áàíê; - Ìåæäóíàðîäíûé
ïðîìûøëåííûé áàíê; - Ðàéôôàéçåíáàíê; - ÁÈÍ-áàíê; - “Àâàíãàðä” è äð.
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2. Ðîçíè÷íûå
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- “Ðóññêèé ñòàíäàðò”; - ÕÊÔ-áàíê è äð.
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3
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Êëèðèíãîâûå áàíêè
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Äîëÿ ñðåäñòâ äðóãèõ áàíêîâ â ïàññèâàõ,
êîòîðûõ áîëüøå 20%, è îäíîâðåìåííî äîëÿ àêòèâîâ, ðàçìåùåííûõ â äðóãèõ áàíêàõ,
ïðåâûøàåò 20%
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"Áàíêè äëÿ áàíêîâ" - îñíîâíîé
ôóíêöèåé êîòîðûõ ÿâëÿåòñÿ ìåæáàíêîâñêîå êðåäèòîâàíèå
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- áàíê "Óðàëüñêèé ôèíàíñîâûé
äîì"; - ÀÊ ÁÀÐÑ Áàíê è äð.
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4
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Êàïèòàëèçèðîâàííûå ìîíîáàíêè
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Äîëÿ ñîáñòâåííîãî êàïèòàëà â ïàññèâàõ
ïðåâûøàåò 60%
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Ôèíàíñîâûå èíñòèòóòû òàêîãî òèïà
îáñëóæèâàþò èíòåðåñû îäíîãî èëè ãðóïïû ñâÿçàííûõ àêöèîíåðîâ
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-Åâðàçáàíê;-Ðîñýêñèìáàíê;-Ïðîìèíâåñòáàíê
è äð.
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5
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Ðåñóðñîçàâèñèìûå äî÷åðíèå èíîñòðàííûå
áàíêè
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Ñïåöèôè÷åñêàÿ ãðóïïà áàíêîâ, äîëÿ ñðåäñòâ-íåðåçèäåíòîâ
â ïàññèâàõ êîòîðûõ ïðåâûøàåò 40%
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Ôîðìèðóþùèå ðåñóðñû îò ìàòåðèíñêèõ
ñòðóêòóð
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-“Êîììåðöáàíê Åâðàçèÿ“; -ÁÍÏ Ïàðèáà”; -Ýé÷-Ýñ-Áè-Ñè
Áàíê;“Èíòåçà” è äð.
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6
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Áàíêè äëÿ ôèíàíñèðîâàíèÿ
âíåøíåýêîíîìè÷åñêîéäåÿòåëüíîñòè
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Äîëÿ âàëþòíûõ àêòèâîâ ïðåâûøàåò 40%
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Áàíêè êëàñòåðà ïîääåðæèâàþò
ýêñïîðòíî-èìïîðòíûå îïåðàöèè ñâîèõ êëèåíòîâ, êðåäèòóÿ èõ â èíîñòðàííîé
âàëþòå, ñîâåðøàþò çíà÷èòåëüíûé îáúåì ðàñ÷åòíûõ è äîêóìåíòàðíûõ îïåðàöèé,
èñïîëüçóÿ êîððåñïîíäåíòñêóþ ñåòü â ïåðâîêëàññíûõ èíîñòðàííûõ áàíêàõ
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-ÂÒÁ;-ÌÌÁ;-Ñèòèáàíê;-Áàíê
"Çåíèò" è äð.
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7
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Óíèâåðñàëüíûå áàíêè
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Àêòèâû ñâûøå 1 ìëðä. ðóáëåé, ñîáñòâåííûé
êàïèòàë ñâûøå 150 ìëí. ðóáëåé
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Îêàçàíèå äèâåðñèôèöèðîâàííîãî íàáîðà
ôèíàíñîâûõ óñëóã
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-Ñáåðáàíê;-Ãàçïðîìáàíê;-Ïåòðîêîììåðö;-"Óðàëñèá"
è äð.
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8
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Ìàëûå ïñåâäîóíèâåð-ñàëüíûå áàíêè
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Àêòèâû ìåíåå 1 ìëðä. ðóáëåé, êàïèòàë
ìåíåå 150 ìëí. ðóáëåé
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Íå èìåþùèå äîìèíèðóþùåé ñïåöèàëèçàöèè íè
ïî àêòèâíûì, íè ïî ïàññèâíûì îïåðàöèÿì
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-Ðîñòîâñêèé Óíèâåðñàëüíûé Áàíê;
-Óíèâåðñàë è äð.
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Èñòî÷íèê:
[40,41]
Ñòðàíèöû: 1, 2, 3, 4, 5
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