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Курсова робота - Банківська система
73
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">1B> 1C;8 ?5@53;O=CBV 28A>:>@878:>2V 0:B828 10=:C V 045:20B=VABL WE=L>W ?@81CB:>2>ABV 4> @878:C 7 >4=>G0A=8< =0@>IC20==O< :0?VB0;C.>@<0B82 4>AB0B=>ABV :0?VB0;C (4)- F5 A?V22V4=>H5==O :0?VB0;C 4> 7030;L=8E 0:B82V2 10=:C, 7<5=H5=8E =0 AB2>@5=V 2V4?>2V4=V @575@28.!?V22V4=>H5==O :0?VB0;C () 4> 7030;L=8E 0:B82V2 10=:C, 7<5=H5=8E =0 AB2>@5=V 2V4?>2V4=V @57528 (), 287=0G0T 4>AB0B=VABL :0?VB0;C, 28E>4OG8 V7 7030;L=>3> >1AO3C 4VO;L=>ABV, =570;56=> 2V4 @>7<V@C @V7=><0=VB=8E @878:V2.>@<0B82 4>AB0B=>ABV :0?VB0;C (4) >1G8A;NNBL 70 D>@<C;>N: 4 = ( / ) * 100%>@<0B82=5 7=0G5==O 4 ?>28==> 10B8 =5 <5=H5, =V6 4%./:I> 1@0B8 4> C2038 7030;L=V 0:B828 10=:C, B> <>6=0 7@>18B8 =01;865=V @>7@0EC=:8. / ?@>254C B0:89 @>7@0EC=: 70 AVG5=L, 28:>@8AB>2CNG8 7=0G5==O :0?VB0;C 10=:C V 7030;L=8E 0:B82V2 [482. >40B>: 8]:4 = 48 370,75 / 935 491,68 * 100 = 5,17%4 = 61 406,62 / 945 243,37 * 100 = 6,5%4 = 73 132,15 / 930 183,80 = 7,86%1. 4 = 55 049,56 / 977 743,78 = 5,63%B>6, 7 F8E ?V4@0EC=:V2 284=>, I> =01;865=5 7=0G5==O FL>3> ?>:07=8:0 :>;820TBLAO, 0;5 <56C 4% ?5@528ICT 4>AB0B=L>.">6 C «!>=OG=><C» ?><VB=0 B5=45=FVO 4> 0:B82V70FVW @>1>B8 I>4> >?B8<0;L=>3> D>@<C20==O 0:B82V2 V ?>HC:C @C7=8E A?>A>1V2 ?>?>2=5==O 2;0A=8E :>HBV2 (:0?VB0;C) 10=:C. %>G ?@>B8 3@C4=O <8=C;>3> @>:C F59 ?>:07=8: 7=0G=> 7=8782AO.>AB0B=VABL :0?VB0;C- F5 A?V22V4=>H5==O <V6 2;0A=8<8 V 70;CG5=8<8 :>HB0<8 =570;56=> 2V4 @878:V2 ?> >A=>2=V9 4VO;L=>ABV. &59 ?>:07=8: 70 =>2>N @540:FVTN =AB@C:FVW !10 # ?>28=5= A:;040B8 =5 <5=H5, =V6 1 4> 25 01> 4%. &5 >7=0G0T, I> =0 1 3@82=N 2;0A=8E :>HBV2 10=: ?>28=5= 70;CG0B8 =5 <5=H5 25 3@825=L.> 70;CG5=8E :>HBV2 2V4=>AOBLAO::>HB8 =0 ?>B>G=8E @0EC=:0E AC1T:BV2 3>A?>40@N20==O;2=5A:8 V 45?>78B8 AC1T:BV2 3>A?>40@N20==O;:>HB8 =0 @0EC=:0E 10=:V2-:>@5A?>=45=BV2;2=5A:8 V 45?>78B8 =0A5;5==O;:@548B8, I> >B@8<0=V 2V4 V=H8E 10=:V2;:>HB8, >B@8<0=V 2V4 V=H8E :@548B>@V2.0 ?@89=OB>N B5@<V=>;>3VTN 70EV4=8E 10=:V@V2 045:20B=VABL :0?VB0;C E0@0:B5@87CT <V@C ?>:@8BBO 2;0A=8< :0?VB0;>< @878:C ?> 0:B820E V A;C68BL >FV=:>N 740B=>ABV 10=:C 70E8AB8B8 V=B5@5A8 :@548B>@V2 B0 V=25AB>@V2.!?V22V4=>H5==O <V6 2;0A=8<8 V 70;CG5=8<8 :>HB0<8 287=0G0T <56C 70;CG5==O @5AC@AV2 =0 >48=8FN 2;0A=8E :>HBV2. > C:;;045==O C3>48 ?@> 4>AB0B=VABL :0?VB0;C A83=0;V7C202 ?>:07=8:, I> E0@0:B5@87C202 ?8B><C 203C 2;0A=>3> :0?VB0;C 2 AC<0@=8E 0:B820E. >3> =54>;V: 2 B><C, I> 2V= =5 2@0E>2C202 @878:V2 ?> :>HB0E, I> 2:;045=V 2 0:B828 @V7=>W 4>E>4=>ABV. @57C;LB0BV 2V4 =L>3> 2V4<>28;8AL V 7 1978 @. 287=0G0NBL 9>3> 2V4=>H5==O< 4> 0:B82V2, A:>@5:B>20=8E =0 ABC?V=L @878:C.# «!>=OG=><C»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