Дипломна робота - Комерційні банки
74

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C ?5@H><C :20@B0;V 1998@. <0;0 B0:89 283;O4: !0 = 1003539,16 / 1092451,12 = 91,9'8AB0 >?5@FV9=0 <0@60 2 4>E>40E:G> = 56463,75 / 129192,40 * 100% = 43,7%V440G0 @>1>G8E 0:B82V2:0@ = 129192,40 / 1003539,16 *100% = 12,9% [70 40=8<8 4>40B:C 12]B>6, 0 = !0 * G> * 0@ =91,9 * 0,437 * 0,129 = 5,180G8<>, I> C AB@C:BC@V @>1>GV 0:B828 <0;8 4C65 25;8:C G0AB:C (91,9), 0;5 WE 2V440GC =5 <>6=0 =0720B8 28A>:>N (12,9%). @> F5 A2V4G8BL B0:>6 ?>:07=8: G8AB>W >?5@0FV9=>W <0@6V 2 4>E>40E (43,7%). &5 2:07CT =0 =54>AB0B=N 0:B82=VABL :5@V2=8FB20 10=:C ?@8 D>@<C20==V ?>@BD5;N 0:B82V2. !;V4 ?5@53;O=CB8 =0O2=V @>1>GV 0:B828 01> B@0=AD>@<C20B8 WE 4;O 71V;LH5==O ?@81CB:>2>ABV.=0;V7CNG8 4>E>48 «!>=OG=>3>» C ?5@H><C :20@B0;V 1998@., 10G8<>, I> 2>=8 D>@<C20;8AO 2 >A=>2=><C O: ?@>F5=B=V 4>E>48 70 :@548B0<8, O:V 2840=V AC1T:B0< ?V4?@8T<=8FL:>W 4VO;L=>ABV V =525;8:0 G0AB8=0 - ?@>F5=B=V 4>E>48 70 FV==8<8 ?0?5@0<8. V4?>2V4=> 4> FL3> <>6=0 287=0G8B8 5D5:B82=VABL C?@02;V==O 4>E>4=VABN :@548B=>3> ?>@BD5;N V ?>@BD5;N FV==8E ?0?5@V2: % = % / @ = 116341,01 / 1003539,16 * 100% = 11,6%"0:5 7=0G5==O FL>3> ?>:07=8:0 A2V4G8BL ?@> =5 4>A8BL 28A>:C 5D5:B82=VABL C D>@<C20==V 28I573040=8E 10=:V2AL:8E ?>@BD5;V2. >6;82>, A;V4 ?5@53;O=CB8 A2>W ?>78FVW ?@8 28@VH5==V ?8B0=L B0:>3> @>4C.)>4> =5?@>F5=B=8E 4>E>4V2, B> 2 F59 ?5@V>4 >A=>2=C @>;L 2V4V3@0;8 :><VAV9=V 4>E>48 70 >?5@0FVO<8 7 :;VT=B0<8. !;V4 0:B82V7C20B8 @>1>BC I>4> >B@8<0==O :><VAV9=8E 4>E>4V2 70 >?5@0FVO<8 7 V=H8<8 10=:0<8 V B>@3>25;L=8<8 >?5@0FVO<8.)>4> ?@>F5=B=8E 28B@0B, B> BCB ?5@52060;8 ?@>F5=B=V 28@0B8 70 :>HB0<8 DV78G=8E >AV1. !5@54 =5?@>F5=B=8E 28B@0B ?5@52060;8 V=HV =510=:V2AL:V >?5@0FV9=V 28B@0B8, 0 A0<5 28B@0B8 =0 CB@8<0==O ?5@A>=0;C.1 - % = 1 - %/ = 1 - 9776,61 / 129192,40 = 0,92 [70 40=8<8 4>40B:C 12].&59 ?>:07=8: A2V4G8BL, I> 20;>20 <0@60 A8;L=> 2?;820T =0 ?@81CB:>2VABL 10=:C. &5 A2V4G8BL ?@> 25;8:89 @CE :>HBV2 =0 @0EC=:0E DV78G=8E >AV1, I> 7030;>< 4;O 10=:C =5 T 4C65 4>1@5.1 - V= = 1 - V=/ = 1 - (15,36 + 49457,45) / 129192,40 = 0,62>A8BL 28A>:5 7=0G5==O FL>3> ?>:07=8:0 A2V4G8BL ?@> 25;8:89 2?;82 =5?@>F5=B=8E 28B@0B, 0 A0<5 28B@0B =0 CB@8<0==O ?5@A>=0;C, =0 @5=B015;L=VABL 10=:C. !;V4 C206=> 282G0B8 FV 28B@0B8 V WE=N 045:20B=VABL.#?@02;V==O @V2=5< ;V:2V4=>ABV 10=:C ?>B@51CT =5309=>3> ?@89=OBBO @VH5=L, O:V <0NBL 4>23>AB@>:>289 2?;82 =0 ?@81CB:>2VABL DV=2=A>2>W CAB0=>28. @8 FL><C >4=8< V7 >A=>2=8E =0?@O<V2 DV=0=A>2>3> C?@02;V==O T <5=546<5=B 3@>H>2>W ?>78FVW 10=:C, A?@O<>20=89 =0 ?V4B@8<0==O =5>1EV4=>3> @V2=O >1>2O7:>28E @575@2V2.@>H>20 ?>78FVO 10=:C - F5 A?V22V4=>H5==O AC<8 :>HBV2 =0 :>@5A?>=45=BAL:><C @0EC=:C (:@) B0 C :0AV () 4> 9>3> AC:C?=8E 0:B82V2().@>1;5<0 =04;8H:C 01> 45DVF8BC @575@2V2 28?;820T V7 ?@>1;5<8 ?@81CB:>2>ABV 01> ;V:2V4=>ABV 10=:C V T >1C<>2;5=0 B8<, I> 70AB>A>2C20=89 C =0A =>@<0B82=89 ?>:07=8: ;V:2V4=>ABV >15@=5=> ?@>?>@FV9=89 @5=B015;L=>ABV 10=:C.?B8<0;L=5 C?@02;V==O DV=0=A>2>N ABV9:VABN #!, =0 =0HC 4C<:C, 3@C=BCTBLAO =0 ?V4B@8<FV ?52=>3> @V2=O @5=B015;L=>ABV ?@8 @53C;N20==V 3@>H>2>W ?>78FVW 10=:C 2 H8@>:><C

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