Table of contents (expand)
- Banking system (BS)
- Commercial loan (CC)
- Credit system (CS), main links, functions and stages of development in Russia
- Stages of development of the credit system in the Russian Federation
- Operations of the Central Bank on the open market
- Plastic cards and their types
- Consumer credit (PC) and tools for its implementation
- The essence and functions of finance (F). The role of finance in a market economy
- Inflation (I). Causes, socio-economic consequences and methods of regulation. Features of inflation in Russia
- Foreign exchange market (VR): concept, structure, participants
- Bank ratings. Bank Management Assessment (BM)
- Liability management (PM)
- Banking policy (BP) and the scope of its implementation
- Lombard loans (LK)
- The concept of commercial bank liquidity
- Formation, distribution and use of bank profits. Factors influencing the amount of profit
- Transactions and operations with commodities
- Organizational structure of a commercial bank, the role and functions of individual units
- Classification of bank loans
- Accounting policy of the Central Bank
- Borrower rating
- Lending on a checking account (CC), its organization
- Overdraft
- Mortgage
- Factoring
- Leasing operations
- Passive operations (PO) of a commercial bank
- Equity capital of the bank (IC), its composition, the procedure for the formation and regulation
- Organization of interbank lending (IBK)
- credit risk. Evaluation criteria and regulation methods
- Central Bank: status, functions, basic operations
- Interbank communications system (swift, reuters)
- The concept of development of the settlement network of the Central Bank of the Russian Federation
- Globalization of financial markets
- Indicators characterizing the state of the securities market
- Problems of lending to the real sector of the Russian economy
- Business Valuation (OB)
- Valuation Methods and Fundamentals of Mortgage Investment Analysis
- Land valuation
- Mortgage loan and mortgage bank: essence and differences
- Features of a corporate loan
- Valuation of securities
- Bank transfer (BP). Its role in the system of cashless payments and the process of organizing
- Financial market: structure, functions, participants
- Financial system (FS): concept, elements, basics of construction
- Financial mechanism (FM) of the economic structure, its composition and content
- Essence, goals and methods of financial analysis (FA)
- Letter of credit form of payment: its essence and scope
- Banking marketing and its features. The specifics of the banking product and the conditions for its promotion to the market
- Banking management. The essence and prospects of development in the Russian Federation
- Forms of securing bank loans. Pledge operations of banks
- The essence of the securities market (SM), its tasks and functions
- The structure of the securities market (SM), characteristics of its participants
- RZB regulation
- Financial spheres of banking management. Comprehensive management of liabilities and assets of the bank
- KB resources, their formation and quality assessment
- Investment activity of banks and its directions
- Settlement and cash services (CSS) of legal entities and individuals in CB
- CB balance. Its structure. Goals and methods of analysis
- Issuing strategy of issuers in modern conditions
- Investment properties of stocks
- Investment properties of bonds
- A bill as a security and its use in economic circulation
- Secondary securities: features of issue and circulation
- Options: general characteristics, properties and basic option strategies
- Characteristics of the corporate securities market
- Futures contracts: general characteristics, properties and organization of trading
- Government securities (GS): general characteristics, procedure for placement and circulation
- Regulation of the activities of commercial banks
- Regional finance: composition and role in the organization of market relations
- State budget: concept, functions and role in the country's economy
- The tax system and its structure. Tax policy
- Methods of monetary regulation of the economy
- Essence and functions of money. Money supply. Monetary Aggregates
- Monetary system: concept and elements
- System of non-cash payments. Her role, elements. Forms of non-cash settlements
- Currency transactions
- Securities portfolio: general characteristics, types, principles and procedure for formation and management
- Legal basis for valuation activities
- Economic bases of property valuation
- bank loan portfolio. principles of its formation and quality assessment
- Deposit operations of commercial banks
- Banking operations with bills
- Forfaiting
- Operating cash desk
- Electronic payment system "Client-Bank"
- Cash collection services
- Overdraft Loan Program
- Metal bills
- Commemorative and investment coins of the Bank of Russia
- Electronic money and payments
- Employment in a bank (work in a bank)
- Lists of documents required to open an account (for a legal entity)
- Why do you need a loan broker?
Topic 81. Credit portfolio of the bank. principles of its formation and quality assessment
Loan portfolio (KP) - this is the totality of loans issued to the f.l. and Yu.L. Rational CP is the formation and distribution of credit resources in which:
1) the loans issued would correspond to the available credit resources in terms of terms and amounts; 2) the level of profitability of credit operations would be the maximum possible in the given economic conditions. 3) the degree of risk in credit transactions would not exceed the acceptable level.
The process of forming a credit agreement is carried out in several stages (Credit policy of banks: goals, elements and features of formation (using the example of a commercial bank)):
1 stage. Analysis of factors affecting the demand and supply of loans
2 stage. Evaluation of the credit potential of the bank. Credit potential is assessed, on the one hand, by the total amount of funds available to credit institutions, on the other hand, by those intangible assets that it owns (personnel qualifications, forms and methods of work, lending experience, information and other banking technologies in the field of lending)
3 stage. Assessment of credit resources - the amount of funds that the bank has directed or plans to direct in lending operations.
4 stage. Identification of the balance between credit potential and issued loans. Allows you to identify the degree of liquidity, deficiencies and excess resources.
5 stage. Analysis of issued loans according to various criteria.
6 stage. Determining the adequacy of the formed reserve for possible loan losses.
7 stage. Assessment of profitability and efficiency of the loan portfolio. Evaluation of the loan portfolio in terms of the amount of loan investments in the overall activities of the bank, the efficiency of the use of credit resources, the level of interest rates, the amount of income from lending operations. For this analysis, one can use the method INEK.
1. Total credit ratio activity = loans issued / gross assets * 100%. Shows the role of credit operations in the activities of the bank (0,65-0,87%)
2. Utilization ratio of borrowed funds = loans issued / amount of funds raised net * 100%. If "1, then the bank invests the attracted funds in other operations.
3. Efficiency ratio for the use of borrowed funds = gross funds raised / total loans issued * 100%. The coefficient shows to what extent the attracted funds are used as credit resources.
4) Credit risk ratio = net assets / debt * 100%. Shows the extent to which the bank's assets are invested in lending operations.
5) Refinancing ratio = interbank borrowing + % / interbank loan + % *100%.
6) Profitability ratio of credit operations = operating income for the period / total accounts payable. It shows how much each ruble invested in a loan brings to the bank, what is the return.
Authors: Shevchuk D.A., Shevchuk V.A.
<< Back: Economic bases of property valuation
>> Forward: Deposit operations of commercial banks
We recommend interesting articles Section Lecture notes, cheat sheets:
▪ Medical physics. Crib
▪ Fundamentals of life safety. Crib
▪ Dermatovenereology. Crib
See other articles Section Lecture notes, cheat sheets.
Read and write useful comments on this article.
<< Back
Latest news of science and technology, new electronics:
The existence of an entropy rule for quantum entanglement has been proven
09.05.2024
Quantum mechanics continues to amaze us with its mysterious phenomena and unexpected discoveries. Recently, Bartosz Regula from the RIKEN Center for Quantum Computing and Ludovico Lamy from the University of Amsterdam presented a new discovery that concerns quantum entanglement and its relation to entropy. Quantum entanglement plays an important role in modern quantum information science and technology. However, the complexity of its structure makes understanding and managing it challenging. Regulus and Lamy's discovery shows that quantum entanglement follows an entropy rule similar to that for classical systems. This discovery opens new perspectives in the field of quantum information science and technology, deepening our understanding of quantum entanglement and its connection to thermodynamics. The results of the study indicate the possibility of reversibility of entanglement transformations, which could greatly simplify their use in various quantum technologies. Opening a new rule ... >>
Mini air conditioner Sony Reon Pocket 5
09.05.2024
Summer is a time for relaxation and travel, but often the heat can turn this time into an unbearable torment. Meet a new product from Sony - the Reon Pocket 5 mini-air conditioner, which promises to make summer more comfortable for its users. Sony has introduced a unique device - the Reon Pocket 5 mini-conditioner, which provides body cooling on hot days. With it, users can enjoy coolness anytime, anywhere by simply wearing it around their neck. This mini air conditioner is equipped with automatic adjustment of operating modes, as well as temperature and humidity sensors. Thanks to innovative technologies, Reon Pocket 5 adjusts its operation depending on the user's activity and environmental conditions. Users can easily adjust the temperature using a dedicated mobile app connected via Bluetooth. Additionally, specially designed T-shirts and shorts are available for convenience, to which a mini air conditioner can be attached. The device can oh ... >>
Energy from space for Starship
08.05.2024
Producing solar energy in space is becoming more feasible with the advent of new technologies and the development of space programs. The head of the startup Virtus Solis shared his vision of using SpaceX's Starship to create orbital power plants capable of powering the Earth. Startup Virtus Solis has unveiled an ambitious project to create orbital power plants using SpaceX's Starship. This idea could significantly change the field of solar energy production, making it more accessible and cheaper. The core of the startup's plan is to reduce the cost of launching satellites into space using Starship. This technological breakthrough is expected to make solar energy production in space more competitive with traditional energy sources. Virtual Solis plans to build large photovoltaic panels in orbit, using Starship to deliver the necessary equipment. However, one of the key challenges ... >>
Random news from the Archive Mobile phone without battery
14.07.2017
Scientists from the University of Washington have developed a prototype mobile phone that can operate without a battery. As HotHardware writes, citing one of the leaders of the scientific group, Associate Professor Shyam Gollakottu, the phone "practically does not consume energy."
It works according to the following algorithm - the device takes part of the required energy (microwatts of power) from the high-frequency signals of a base station located at a distance of about 10 m.
It generates the other part of the energy from light using miniature LEDs. During operation, the phone as a whole consumes approximately 3,5 microwatts of energy and is therefore able to connect to the base station, sending and receiving a signal at a distance of about 15 m.
In addition to a trial call from the prototype, the scientists were also able to make a call via Skype through their phone.
|
Other interesting news:
▪ Lextar PR88 infrared LED module
▪ Optical waves with time reversal
▪ WEpod unmanned buses
▪ Sodium-ion batteries
▪ Microbial colonies on jewelry
News feed of science and technology, new electronics
Interesting materials of the Free Technical Library:
▪ site section And then an inventor (TRIZ) appeared. Article selection
▪ article Protection from energy impacts. Fundamentals of safe life
▪ article What do tonsils do? Detailed answer
▪ article Specialist in laser therapy. Standard instruction on labor protection
▪ article Computer devices. Directory
▪ article Rectifier for three voltages. Encyclopedia of radio electronics and electrical engineering
Leave your comment on this article:
All languages of this page
Home page | Library | Articles | Website map | Site Reviews
www.diagram.com.ua
2000-2024