Problems of development of deposit operations of the Savings Bank. Proposals for improving deposit operations in Sberbank of the Russian Federation
Stabilization of the political situation, positive trends in the Russian economy create the basis for expanding investment in the real economy and require an acceleration in the growth rate of the resource base of Sberbank of Russia. The Bank determines as the main sources of raising funds:
Savings of the population is the main and most stable investment resource.
Facilities legal entities- the most dynamically growing component of the Bank's liabilities.
The main task of the bank in the field of attracting resources is:
Maintaining a leading position in the market for attracting citizens' savings, stimulating savings and investment activity of the population by providing the Bank's depositors with the opportunity to choose effective forms of savings that meet client requirements for liquidity, profitability and reliability, ensuring the growth and accumulation of invested funds. Preservation of priority price conditions for deposits for the least socially protected groups of the population.
Maintaining and possibly increasing market share banking service corporate clients, formation of long-term preferences among clients in using the Bank's services.
In order to create a resource base for expanding active operations, investing in the real sector of the economy and reducing its own interest rate risks, the Bank identifies as the main priorities in the formation of the resource base: lengthening the terms of raising funds, reducing the total cost of resources, optimizing the structure of raising resources in terms of "price - term - risk of reassessment or early withdrawal”.
Consequences of socio-political and economic instability and inflationary expectations, characteristic of the post-crisis period, seriously complicate the problem of the population's choice of effective forms of savings. The high level of public confidence in the work of Sberbank of Russia, combined with the availability and familiarity of the forms of holding funds used, contribute to the gradual overcoming of the tendency to keep savings in cash. As inflation slows down, production growth accelerates, wage and pension arrears decrease, income tax rates decrease, the bank's ability to attract household funds will increase.
The bank's attraction policy will be aimed at maintaining its leading position in the deposit market individuals. The savings of the population will continue to be the basis of the resource base. The Bank will offer new financial products for individuals, developed on the basis of an assessment of macroeconomic parameters, regular monitoring of regional markets for deposits and services, and the level of demand for certain conditions on deposits. The deposits offered by the Bank will take into account the needs of all social and age groups of citizens - working and pensioners, young people and middle-aged people, and will be designed for both low-income strata of the population and people with medium and high incomes.
The interest rate policy of the bank on time deposits of individuals will be aimed at offering interest rates that take into account market conditions, reserve requirements of the Bank of Russia, which will provide depositors with an increase and accumulation of invested funds. Among the priorities of the interest rate policy will be an increase in the share of long-term deposits. The desire to involve the "mattress" means of the population in economic turnover leads to the need to increase the attractiveness and stimulate the growth of not only ruble, but also currency deposits. The implementation of such an interest rate policy will allow the Bank to significantly reduce interest rate and currency risks. When optimizing the structure of deposits by terms of attraction, the Bank will take into account the risk of the possibility of unconditional, early withdrawal of the deposit by the depositor, which is provided Civil Code. The Bank's many years of experience in the retail deposit market, an extensive branch network that ensures the widespread availability of the Bank's services, the prevailing stereotypes of behavior and savings motives of different population groups have historically determined the formation of the Bank's client base mainly due to citizens of retirement age. Taking into account the social mission, the Bank will maintain priority price terms for deposits for this group of clients.
The Bank considers the country's economically active population and youth as a target group of potential clients. The Bank will continue to develop and implement a set of measures aimed at attracting this group of clients for servicing and stimulating their savings activity. The bank will offer a combination of deposit products with credit and insurance, develop products aimed at meeting the needs of depositors in housing, large purchases, education, tourism and recreation. Attraction and retention of this group of clients, creation of a system of long-term mutually beneficial partnership between the Bank and the client will be facilitated by the development of programs to support individual operations on financial markets, trust management funds of the client, financial consulting, brokerage and agency services, use of advanced information technologies, including the Internet. Along with the replication of standard competitive banking products aimed at the general population, individual services and deposit products for wealthy clients will be offered.
Sberbank of Russia will expand the issuance of cards of international payment systems focused on middle class and wealthy clients; international debit cards and AS Sbercard microprocessor cards for transferring salaries, pensions and social benefits. Improving the level of service, the possibility of using Internet technologies and mobile telephone communication, the development of acquiring allows turning bank cards into a mass product and will provide a significant increase in cash flows using bank cards and balances on client card accounts. The Bank plans to increase the balances on bank card accounts up to 3-5% of the total attraction of funds from individuals. as the most priority direction The Bank allocates work with enterprises, universities, institutes on the proposal of salary projects.
In order to improve the structure of attracted resources and provide competitive price conditions for investments in the real sector of the economy, the Bank sets one of the main tasks in the field of raising funds to maintain and increase its share in the banking market for corporate clients. It is planned to increase the share of funds attracted from corporate clients in deposits. The goal is expected to be achieved through the formation of long-term relationships and mutually beneficial cooperation with customers.
3.1. Introduction of a new type of deposit for wealthy clients.
, The introduction of innovations is always associated with the needs of the market. The bank's specialists determine which types of new banking products or services should provide the required market share, which products require modernization in order to ensure a balance between short-term and long-term programs. The bank needs not only to clearly and quickly respond to new trends, but also to influence the clientele for a quick response to its innovations. Assessing the work of the Cherepovets Branch No. 1950 of Sberbank of Russia, I noticed its strengths and weaknesses. The branch occupies a high position in the market of attracted funds from the population, the success of the Bank is directly related to sustainable development countries and societies. The Bank's brand is recognizable, depositors trust the Bank, which is on the market banking services already 170 years old. In order to more accurately determine the weaknesses of the Bank, a population survey was conducted. I interviewed 100 people, out of 100 I chose three survey questionnaires on deposits, which I added to the Applications. A survey was also conducted for the period from 19 to 24 December 2012 (Table 3.1).
Question | Answers | Share,% |
Where do you keep free money? | On deposit at the bank | 28,1 |
I invest in real estate | 6,7 | |
I buy stocks, bonds | 3,6 | |
I invest in gold | 9,9 | |
Everything goes to life | 51,7 | |
What from transferred to Sberbank should be done first? | Install more ATMs in my city/town | 19,5 |
Open more branches in my city/town | 3,2 | |
Get rid of queues | 41,0 | |
Extend opening hours | 12,3 | |
Improve service | 12,8 | |
Expand the number of services offered | 8,2 | |
Renovate offices | 3,0 | |
Why do you open a deposit in Sberbank? | A small percentage of accrual on the deposit | 52,5 |
Already open | 19,5 | |
I work in another bank | 4,9 | |
No funds to open a deposit | 16,7 | |
Not necessary | 6,4 | |
What does not suit you the most in the offices of Sberbank? | Staff work | 11,2 |
Lack of information about the products and services of the bank in an accessible and understandable area | 8,0 | |
Queues | 71,8 | |
Working hours | 9,0 |
According to the survey, it can be seen that 28.1% of all respondents keep money on deposit; 20.2% invest in stocks, real estate and gold; 52.9% do not open an account with Sberbank due to low interest on deposits; 4.9% have a deposit opened in another bank; 41% believe that Sberbank first of all needs to get rid of queues; 71.8% are most dissatisfied with the queue in Sberbank offices.
From the foregoing, I conclude that Sberbank needs to improve retail deposits and reduce customer service time.
Information about bank deposits individuals are presented in Table 3.2.
Table 3.2. Information about bank deposits and other attracted funds of individuals in rubles, foreign currency and precious metals.
Based on the table. 3.2. As of January 1, 2013, there were 18,667 million rubles in bank deposits in the Vologda Oblast. The share of Cherepovets Branch No. 1950 was 83.53%. According to the survey results, 20.2% of respondents invest in stocks, real estate and gold, which means that they have funds that they would like to invest profitably, but interest rate does not attract them on deposit accounts. Therefore, I determine what proportion in all deposits operating in the Bank is occupied by depositors with a high level of income, i.e. above 500 thousand rubles.
Deposits offered by the bank to high-income clients in the Cherepovets branch of OJSC Sberbank of Russia are presented in table 3.3.
Table 3.3. Deposits for highly profitable clients.
Bank | Type of deposit | Deposit amount (rub.) | Deposit term | % |
Bank " Russian capital» | "VIP deposit" | 650 000 | 3, 6 months, 1 and 2 years | 8,8 – 10,7 |
"Privatbank" | "Deposit VIP" | 6 and 12 months | 8 – 9 | |
"Rosbank" | ROSBANK - SOCIETE GENERALE | 6 months | 4,15 | |
"otbank" | "Special Attitude" | 366 days | ||
"RosEvroBank" | "VIP Plus" | 367 days | ||
"Ge Money Bank" | "Loyal" | 3,6,9 months, 1,2 and 3 years | 6,45 – 8,45 | |
"Slavia Bank" | "Profitable" | 180 days, 368 days | 7 – 10 | |
Rosselkhozbank | "Agro-VIP" | 180 days, 1 year, 540 days | 6 – 7,25 | |
VTB 24 | "Priority" | 181.365 days | 8 – 8,5 |
Since the refinancing rate of the Bank of Russia from September 14, 2012 is 8.25%, plus an additional five percentage points, none of the proposed deposits in the Vologda Oblast exceeds marginal percentage. The market situation is such that large deposits are growing most rapidly, starting from 1 million rubles. These are high-yield customer segments. Sberbank has historically the lowest market share in these segments. There is a structural shift, in order to increase its share in this market segment, it is necessary to move quickly. It is proved that in the Cherepovets branch No. 1950, the share of VC has an upward trend. The banking services market is diverse, in order to attract additional VC, it is proposed to introduce a new “Maximum” deposit: deposit term - 1 year; deposit currency - Russian rubles; minimum amount– 1,000,000 Russian rubles; the procedure for calculating interest - at the end of the deposit term; conditions for early termination - not provided; replenishment and partial withdrawal are not provided.
This is an exclusive offer, therefore this contribution is not subject to wide advertising and must be sold through individual calls to customers. Most banks experience a number of problems and lose significant resources precisely at the stage of relationships with real and potential customers. This problem manifests itself in a complex of aspects, such as the poor quality of services provided to customers, the lack of information among potential and actual customers about the bank's services. Sometimes, when working with a client, bank employees do not have clear guidelines for the priority of employees of one department over the services of other services.
As a rule, there are no uniform standards for providing services to clients. The proposed type of deposit is mainly aimed at wealthy clients, as the position of wealthy clients with legal capital is growing. According to various estimates, today it covers from 5% to 15% of wealthy clients. And in two years this figure will double. Therefore, the bank begins to fight for wealthy clients, trying to offer as many interesting conditions as possible for investing their money. For wealthy clients, it is important that the investment of money is profitable (brings a constant income), reliable (the risk is minimal), and there is an opportunity to withdraw from the investment as needed. In my case, the type of calculation of income is simple interest, when the actual balance of the deposit is used as a calculation and the calculation and payment of the deposit takes place at regular intervals, based on the prescribed percentage.
Simple interest calculated as follows:
P \u003d R x I x n / 100 K (1)
Where P - the amount of accrued interest;
P - the initial amount of funds raised;
I - annual interest rate;
N is the term of the deposit;
K is the number of days in a calendar year (365 or 366).
Thus, according to the survey on the Sberbank Premier service, all 100% of VCs are interested in the proposed product and are ready to use it. Therefore, it can be argued that the proposed measure will increase the number of deposits by 517 accounts.
Thus, the amount of attraction of deposits per year will be:
Amount of attraction \u003d Number of accounts x Deposit amount
517 x 1,000 million rubles = 517,000 thousand rubles
This is only one VSP each, and as part of the Cherepovets branch No. 1950 in the region, today their number is 104.
Based on the forecast data on the dynamics of the deposit volumes of the Cherepovets branch No. 1950, I determined the volumes of deposits planned for opening for individuals for the period of 2011 and 2013. (Appendix 11).
The assessment of these parameters was made for two options: without taking into account new types of deposits; with the proposed activities. Thus, the introduction of a new type of deposit will allow Sberbank to increase the amount of funds raised by 617,000 thousand rubles. in 2013.
To assess the effectiveness of the proposed measure, it is necessary to calculate its impact on the financial result of the Bank's activities. Next, I calculated the estimated economic effect of the introduction of a new event.
Amount of attraction \u003d Number of accounts x Deposit amount
617 x 1,000 thousand rubles = 617,000 thousand rubles.
Amount of expenses = Amount of attraction x Interest rate
RUB 617,000 thousand x 10% = 61,700 thousand rubles.
The required reserve ratio set by the Bank of Russia for credit institutions for liabilities to individuals in the currency of the Russian Federation and foreign currency is 4.25%.
Net Amount Raised = Amount Raised – 4.25%
617,000 - 61,700 \u003d 555,300 thousand rubles.
Current loan programs are presented in Table 3.4.
Table 3.4. Credit programs of Cherepovets JSC "Sberbank of Russia".
Based on the data in Table 3.4., I calculated the average interest rate for credit programs. The average interest rate is 15.18%. We find the income on the net amount of attraction:
Income \u003d Net amount of attraction x Average interest rate on allocated resources \u003d 555,300 x 15.18% \u003d 84,294 thousand rubles.
Expense from attraction = 61,700 thousand rubles.
The forecast value of profit for the year \u003d Income - Expense - 84,294 - 61,700 \u003d 22,594 thousand rubles.
The proposed product will not only increase the balance of deposits on the accounts of individuals, but also raise the rating of Sberbank in the eyes of its customers. The price component of the deposit policy is one of the most important prerequisites for its successful operation in the market conditions.
3.2 Changing the conditions of the deposit in order to attract new depositors.
In order to expand resource potential Sberbank of Russia needs to intensify its deposit policy, since it is the implementation of a competent deposit policy that will ensure a gradual increase in the deposit portfolio. So, for the greatest interest of clients and the influx of deposits, Sberbank can offer the payment of interest on deposits placed in advance in order to compensate for inflationary losses. In this case, the depositor, when placing funds for a certain period, immediately receives the income due to him. However, if the agreement is terminated early, the bank will recalculate the interest on the deposit and the overpaid amounts will be deducted from the deposit amount.
I believe that the method of paying interest is best used for deposits with a base term of no more than 1 year, since if the funds are stored for a longer time, the bank will have to pay large sums percent, which will significantly increase interest expenses at this point in time and may be risky. The payment of interest in advance can be set on the "Save" deposit, which is a proprietary offer of Sberbank. This deposit is designed specifically for regular customers and allows you to fix high stakes for the entire term of the deposit, this type of deposit is presented in Table 3.5.
Table 3.5. Tariff rates on the "Save" tab.
Thus, in accordance with the data in Table 3.5, 2 investment options are offered for this deposit. The first option is replenishable (replenishment is possible during the entire period of deposit storage, except for two recent months) and opens for a period of 6 months to 3 years. The second represents term deposit and offers placement of funds for a period of 1 to 3 years. At the same time, my analysis at the Cherepovets Savings Bank of Russia showed that funds for this type of deposit are attracted on a small scale. So, in the 47th quarter of 2012, the volume of "Save" deposits amounted to only 28 pieces. Of which 18 were carried out in October, 8 in November, and 11 in December. Thus, the mode of paying interest at the time of opening a deposit in order to compensate for inflationary losses, in which the depositor, when placing funds for a certain period, immediately receives the income due to him, will allow Sberbank to make the deposit more attractive to customers and significantly expand the amount of funds raised. This deposit will continue to be a corporate offer of the bank. However, it will become urgent, and the possibility of replenishment will be absent. Funds can be deposited for a period of 3 months to 1 year. In connection with the new offer for the “Save” deposit, from 02.10.12 to 30.11.12, a survey was conducted of all customers who applied to the Cherepovets branch of Sberbank for advice. In total, there were 500 appeals during this period. Clients were offered to familiarize themselves with the new deposit conditions. As a result, 256 people answered that they would think about opening a deposit, and 244 respondents consider the new conditions quite attractive and are ready to open a deposit. The amounts and terms for which clients, according to the survey, are ready to contribute funds are presented in Table 3.6.
Table 3.6. Results of a survey of clients wishing to deposit funds in the "Save" deposit in accordance with the new conditions.
Thus, the survey showed that changing the conditions for the “Save” deposit will significantly increase the number of these deposits and, if the proposed measure is implemented, the number of bank depositors will increase. From the survey data presented in the table, it can be seen that the majority of potential investors would prefer to deposit an average amount of 50,000 rubles. This is due, first of all, to the fact that the mode of paying interest on a deposit in advance is a new deposit condition for many clients is not yet familiar. Thus, this contribution attracted another 10.6 million rubles. It is most expedient for the bank to place this amount in loans to the population. At the same time, the terms for issuing loans should be commensurate with the terms for attracting deposits. In this case, the bank will be able to receive an interest margin or interest income without a threat to liquidity. It will also provide Sberbank with a long-term and stable passive base. I also conducted a survey on other types of deposits with clients, out of 100 questionnaires I attached only 3. I attached the results of the questionnaire to the Appendix. Only three types of deposits were selected from the customer survey: the “Save” deposit, the “Manage” deposit, and the “Replenish” deposit. Since you can not only invest but also withdraw and at the same time have a monthly income. From this we can conclude that the larger the deposit amount, the higher the interest rate and the higher the income for the client and the bank.
3.3. Evaluation of the effectiveness of the proposed activities.
The results of the deposit policy pursued by Sberbank of Russia are primarily evidenced by the volume of deposits and deposits attracted by the credit institution. Thus, at the Cherepovets Branch No. 1950 of Sberbank of Russia, as a result of the introduction of a new deposit "Maximum" and a change in the corporate deposit "Save", the amount of attracted funds will increase significantly. This is evidenced by the growth in the number of deposits of individuals, presented in Table. 3.7.
Table.3.7. Dynamics of deposits of individuals of OAO Sberbank of Russia in the forecast period.
The data presented by me allows us to say that as a result of the implementation of the proposed measures to improve the deposit policy, the number of deposits attracted by the Cherepovets branch from individuals will increase by 647.6 million rubles. and in the forecast period their volume will amount to 14 billion 882 million rubles. With the appearance of the "Maximum" deposit, which allows to provide depositors with the necessary material base for the future, the number of new clients will be 617 people. And the mode of paying interest on the “Save” deposit in advance, in order to avoid losses, and changing the conditions for this deposit, will also potentially increase the number of depositors by 244 people. As a result, these measures will allow Sberbank of Russia to attract another 861 people to its depositors. Attracting new deposits will allow the bank to channel these funds into active operations, the main type of which is loans. At the same time, the terms for issuing loans should be comparable with the terms for keeping deposits. As a result of such placement of funds, the number of loans issued will also increase, and, accordingly, the amount of interest paid by clients for funds provided for temporary use (Table 3.8.).
Table 3.8. Dynamics of the net loan debt of OJSC Sberbank of Russia in the forecast period.
The table shows that the placement of funds raised from investors in consumer loans will increase the bank's loan debt by 584.7 million rubles. (or by 2.7%) and its forecast value will be 20 billion 941 million rubles.
Thus, from the above indicators of growth in the volume of deposits of individuals and loans to customers, I can conclude that the measures will have an impact on financial results activity of Sberbank of Russia. Interest income of Sberbank after the proposed measures will increase by 89.6 million rubles. The value of interest expenses will also increase, which will amount to 63.38 million rubles. The proportion of expenditures will also change accordingly. Due to the growth of interest income and expenses, the amount of net interest income will also change by 8.1 million rubles. and their share in the bank's income structure. The increase in administrative and management expenses is insignificant and amounts to 12 thousand rubles. Part of the borrowed funds, the credit institution must allocate to the reserve, in accordance with the Regulation of the Central Bank of the Russian Federation No. 342 - P. At the moment, the amount of deductions is 4.25%. Thus, as a result of attracting funds to new deposits, the bank will allocate 25.8 million rubles to reserves.
All of the above changes, in connection with the implementation of measures to improve the deposit policy, will ultimately affect the profit margin of the Cherepovets branch of Sberbank.
Table.3.9. Growth dynamics of profit before tax in the forecast period.
From this table 3.9. it can be seen that the calculation of the effectiveness of the proposed measures for the deposit policy showed that the emergence of a new deposit "Maximum" and a change in the conditions for the corporate deposit "Save" will favorably affect the results financial activities this credit institution, since it will allow to receive additional profit and increase the economic profitability of the bank.
Conclusion.
The formation of passive operations and an increase in resources are guaranteed by a number of factors: the stability of work, the growth of confidence in the bank, the variety of types of deposits, and the expansion of banking services. The bank also offers a wide range of services and products for both individuals and legal entities. My analysis financial condition and financial performance of the Cherepovets Branch of Sberbank of Russia showed that the share of operating assets in net assets is presented at a fairly high level (79%), which indicates that the bank is operating quite efficiently. The share of urgent loan debt of legal entities in working assets for the analyzed period was at the level of 75%, which means that out of the total amount of loans issued, 75% are loans to legal entities, which indicates the investment development of the bank. The share of overdue debt in loan debt does not even amount to 1%, i.е. lenders return their obligations to the bank on time. The share of funds of individuals in total amount attracted funds is 62.19%, which indicates that a fairly large part of the population trusts the bank with their savings. In 2013, the Bank's profit amounted to 364.7 million rubles, which is lower than in 2011 by 95.6 million rubles. or by 20.77%, and above the level of 2012 by 52.7 million rubles. or 16.90%. In 2013, deposit operations in the Bank amounted to 14,730.4 million rubles, which is higher than in 2012 by 91.8 million rubles. or by 0.65%, the level of 2011 - by 11.3 million rubles. or 0.78%. The share of deposits of individuals amounted to 97.3% of the total volume of deposits. The Bank's expenses on deposits of individual clients in 2013 amounted to 456.9 million rubles, which is higher than in 2012 by 47.6 million rubles. or by 11.63%, the level of 2011 by 96.9 million. rub. or by 26.92%. In order to optimize the deposit policy, it was proposed: deposits starting from 1 million rubles. These are high-yield customer segments. Sberbank has the lowest market share in these segments. A structural shift is taking place in order to increase its share in this market segment, it is proposed to introduce a new product - the “Maximum” deposit for a period of 1 year at 10% per annum.
The economic effect calculated by me from the implementation of this proposal allows us to speak about its profitability for the branch. If it is implemented, it is possible to increase the amount of attracted funds from the population in the forecast year by 617 million rubles. or by 4.21%, and increase profit by 22594 thousand rubles. or 5.95%.
The bank needs to revise the list active deposits to be more focused on attracting new investors and retaining existing ones. So, for the greatest interest of clients and the influx of deposits, Sberbank can offer the payment of interest on deposits placed in advance in order to compensate for inflationary losses. In this case, the depositor, when placing funds for a certain period, immediately receives the income due to him. However, if the agreement is terminated ahead of schedule, the bank will recalculate the interest on the deposit and the overpaid amounts will be deducted from the deposit amount. In my opinion, this way interest payments are best used for deposits with a base term of no more than 1 year, since with a longer storage of funds, the bank will have to immediately pay large amounts of interest, which will significantly increase interest expenses at a given point in time and may be risky. So, for example, the payment of interest in advance can be set on the "Save" deposit, which is a proprietary offer of Sberbank. After the implementation of the proposed measures in the Cherepovets branch of Sberbank, profit may increase by 7.1% in the forecast period.
Bibliography:
1. Federal Law of the Russian Federation of December 2, 1990 No. 395-1 “On Banks and banking» .
2. Federal Law of July 10, 2002 No. 86-FZ “On Central Bank Russian Federation (Bank of Russia).
3. Bank of Russia Instruction No. 110-I dated January 16, 2004 “On Mandatory Bank Ratios”.
4. Regulations on the order of formation credit organizations reserves for possible losses on loans, on loan and equivalent debt” dated March 26, 2004 No. 254-P.
5. Banking: A textbook for university students studying economic specialties and specialty "Finance and credit" / [E. F. Zhukov and others]; ed. E. F. Zhukova, N. D. Eriashvili. – 4th ed., revised. And extra. - M.: UNITI - DANA, 2011. - 687 p.
6.Vasilyeva. A. S., Nikulina. I. V. "Features of the deposit policy commercial bank v modern conditions» / A. S. Vasilyeva, I. V. Nikulina // Finance and credit. - 2011. - No. 40. - S. 43-52.
7. Grachev. I. D. Berestnev. D. A. “Improving the profitability of the bank portfolio of loans using the scoring method” / I. D. Grachev, D. A. Berestnev // Finance and credit. - 2011. - No. 10. - S. 27-30.
8. Efimov. A. M. " Modern methods assessing the creditworthiness of individuals”.
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Annex 1
Name of the standard | Designation | Actual value, % | Standard value |
Capital adequacy ratio | H 1 | 17,70 | Min 10% |
Bank instant liquidity ratio | H 2 | 80,60 | Min 15% |
standard current liquidity | H 3 | 103,00 | Min 50% |
Long-term liquidity ratio | H 4 | 78,00 | Max 120% |
standard maximum size risk per borrower or group of related borrowers | H 6 | 17,90 | Max 25% |
The standard for the maximum size of large credit risks | H 7 | 80,00 | Max 800% |
Maximum loan amount bank guarantees and guarantees provided by the bank to its participants (shareholders) | H 9.1 | Max 50% | |
Aggregate exposure to bank insiders | H 10.1 | 0,90 | Max 3% |
Normative use of own funds (capital) of the bank for the acquisition of shares (stakes) of other legal entities | H 12 | 0,10 | Max 25% |
Application2
Article name | 01/01/11 | 01.01.12 | 01.01.13 |
ASSETS | |||
Working assets | 19953 839 | 19643 099 | 20355 827 |
15178 032 | 14768 498 | 15349 655 | |
Loans to individuals | 4775 807 | 4874 601 | 5006 172 |
5185 819 | 4835 379 | 4789 226 | |
Correspondent accounts in the Bank of Russia | 20 966 | 5 895 | |
Cash | 2155 655 | 2097 505 | 1879 449 |
1086 258 | 1077 919 | 1068 151 | |
Incl. individuals | 73 222 | 73 124 | 73 815 |
Bank property | 1252 438 | 1263 084 | 1275 051 |
Other | 670 502 | 396 556 | 560 680 |
Total assets-net | 25139 658 | 24478 478 | 25145 053 |
LIABILITY | |||
Involved funds | 22970 969 | 22463 820 | 23088 627 |
Funds of legal entities | 3765 726 | 4036 103 | 4032 831 |
Current, settlement, budget accounts | 3161 397 | 3455 972 | 3629 564 |
604 329 | 580 131 | 403 267 | |
Funds of individuals | 14245 117 | 14268 036 | 14356 752 |
Savings certificates | 29 136 | 31 518 | 13 400 |
Bills of exchange and banker's acceptances | 15 100 | ||
Deposits and other attracted funds | 14215 876 | 14236 413 | 14328 252 |
LORO accounts | 3 166 | 4 648 | |
Other | 4959 275 | 4156 515 | 4694 396 |
Bank reserves | 1382 809 | 1374 125 | 1366 170 |
1074 683 | 1073 157 | 1064 384 | |
308 126 | 300 968 | 301 786 | |
Own funds | 785 880 | 640 533 | 690 256 |
Total passes | 25139 658 | 24478 478 | 25145 053 |
Application3
Article name | 2011 | 2012 | 2013 | |
INCOME | ||||
Interest income | ||||
260 508 | 304 615 | 348 632 | ||
180 608 | 210 147 | 239 398 | ||
35 511 | 43 253 | 51 270 | ||
4 657 | 4 657 | 5 071 | ||
39 732 | 46 558 | 52 893 | ||
Operating income | ||||
908 506 | 1128 019 | 1330 882 | ||
Commissions | 68 664 | 77 883 | 108 887 | |
Other operating income | 397 848 | 581 526 | 670 871 | |
Other income | ||||
Fines, penalties, forfeits | 76 357 | 77 846 | 82 362 | |
2 351 | 2 432 | 2 532 | ||
Total other income | 78 833 | 80 401 | 85 126 | |
TOTAL INCOME | ||||
COSTS | ||||
Interest expenses | 374 974 | 426 923 | 476 737 | |
- on money on bank accounts of clients - legal entities | 3 444 | 4 016 | 4 691 | |
10 470 | 12 432 | 13 892 | ||
360 013 | 409 324 | 456 913 | ||
1 047 | 1 151 | 1 241 | ||
3 122 | 5 431 | |||
Total from banking operations and other transactions | 375 482 | 430 045 | 482 168 | |
Operating expenses | ||||
912 655 | 1191 359 | 1465 657 | ||
Commission fees | 1 138 | 1 337 | 1 547 | |
Other operating expenses | 799 735 | 1203 062 | 1296 988 | |
Expenses related to supporting the activities of a credit institution, incl. | 496 957 | 570 281 | 657 672 | |
Labor costs | 264 932 | 303 695 | 340 844 | |
Taxes and fees in the form of deductions for wages | 72 322 | 62 837 | 92 620 | |
Depreciation | 42 953 | 49 199 | 55 646 | |
Organizational and management expenses | 116 750 | 154 550 | 168 562 | |
Total operating expenses | ||||
other expenses | 4 806 | 5 246 | 5 529 | |
TOTAL EXPENSES | ||||
Profit (loss) for the period | 460 303 | 311 955 | 364 682 | |
Application4
Name of articles | Specific weight, % | Specific weight, % | Specific weight, % | |||
Working assets | 79,37 | 80,25 | 80,95 | |||
Loans to legal entities and individual entrepreneurs | 55,44 | 55,43 | 56,36 | |||
Loans to individuals | 23,93 | 4874 601 | 24,82 | 5006 172 | 24,59 | |
Funds that do not generate income | 20,63 | 4835 379 | 19,75 | 4789 226 | 19,05 | |
Correspondent accounts in the Bank of Russia | 20 966 | 0,09 | 0,001 | 5 895 | 0,03 | |
Cash | 2155 655 | 8,57 | 2097 505 | 8,57 | 1879 449 | 7,47 |
Overdue loans, deposits and other placed funds | 1086 258 | 4,32 | 1077 919 | 4,40 | 1068 151 | 4,25 |
Incl. individuals | 73 222 | - | 73 124 | - | 73 815 | - |
Bank property | 1252 438 | 4,98 | 1263 084 | 5,16 | 1275 051 | 5,07 |
Other | 670 502 | 2,67 | 396 556 | 1,62 | 560 680 | 2,23 |
Total assets-net |
Application5
Name of articles | Amount as of 01.01.11, thousand rubles | Specific weight, % | Amount as of 01.01.12, thousand rubles | Specific weight, % | Amount as of 01.01.13, thousand rubles | Specific weight, % |
Involved funds | 91,37 | 91,77 | 91,82 | |||
Funds of legal entities | 3765 726 | 14,98 | 4036 103 | 16,49 | 4032 831 | 16,04 |
- current, settlement, budget accounts | 3161 397 | 12,58 | 3455 972 | 14,12 | 3629 564 | 14,43 |
604 329 | 2,40 | 580 131 | 2,37 | 403 267 | 1,61 | |
Funds of individuals | 56,66 | 58,29 | 57,09 | |||
- savings certificates | 29 136 | 0,12 | 31 518 | 0,13 | 13 400 | 0,05 |
- bills of exchange and banker's acceptances | 0,0004 | 0,0004 | 15 100 | 0,06 | ||
- deposits and other borrowed funds | 56,55 | 58,16 | 56,98 | |||
Accounts "Loro" | 0,003 | 3 166 | 0,01 | 4 648 | 0,02 | |
Other | 4959 275 | 19,73 | 4156 515 | 16,98 | 4694 396 | 18,67 |
Bank reserves | 1382 809 | 5,50 | 1374 125 | 5,61 | 1366 170 | 5,43 |
Provisions for possible losses on loans | 1074 683 | 4,30 | 1073 157 | 4,38 | 1064 384 | 4,23 |
Provisions for possible losses on other operations | 308 126 | 1,23 | 300 968 | 1,23 | 301 786 | 1,20 |
Own funds | 785 880 | 3,13 | 640 533 | 2,62 | 690 256 | 2,75 |
Total liabilities |
Annex6
Name of indicator | For 2011, thousand rubles | Specific weight, % | For 2012, thousand rubles | Specific weight, % | For 2013, thousand rubles | Specific weight, % |
INCOME | ||||||
From banking and other transactions | ||||||
Interest income | 1336 717 | 43,81 | 1540 841 | 41,50 | 1729 845 | 40,47 |
Other income from banking operations and other transactions | 260 508 | 8,54 | 304 615 | 8,20 | 348 632 | 8,16 |
- from opening and maintaining bank accounts, settlement and cash service clients | 180 608 | 5,92 | 210 147 | 5,66 | 239 398 | 5,60 |
- from buying and selling foreign exchange in cash and non-cash forms | 35 511 | 1,16 | 43 253 | 1,16 | 51 270 | 1,20 |
- from the issuance of bank guarantees and guarantees | 4 657 | 0,15 | 4 657 | 0,13 | 5 071 | 0,12 |
- from conducting other transactions | 39 732 | 1,31 | 46 558 | 1,25 | 52 893 | 1,24 |
Total from banking operations and other transactions | 1597 225 | 52,35 | 1845 456 | 49, 70 | 2078 477 | 48,63 |
Operating income | ||||||
Positive revaluation of foreign currency funds | 908 506 | 29,78 | 1128 019 | 30,38 | 1330 882 | 31,14 |
Commissions | 68 664 | 2,25 | 77 883 | 2,10 | 108 887 | 2,55 |
Other operating income | 397 848 | 13,04 | 581 526 | 15,66 | 670 871 | 15,69 |
Total from operating income | 1375 018 | 45,07 | 1787 428 | 48,14 | 2110 640 | 49,38 |
Other income | ||||||
Fines, penalties, forfeits | 76 357 | 2,50 | 77 846 | 2,10 | 82 362 | 1,93 |
Incomes of previous years revealed in the reporting year | 2 351 | 0,08 | 2 432 | 0,06 | 2 532 | 0,06 |
Other income attributable to other | 0,004 | 0,003 | 0,005 | |||
Total other income | 78 833 | 2,58 | 80 401 | 2,16 | 85 126 | 1,99 |
TOTAL INCOME | 3051 076 | 3713 285 | 4274 243 |
Application7
Name of indicator | For 2011, thousand rubles | Specific weight, % | For 2012, thousand rubles | Specific weight, % | For 2013, thousand rubles | Specific weight, % |
COSTS | ||||||
For banking and other transactions | ||||||
Interest expenses | 374 974 | 14,47 | 426 923 | 12,55 | 476 737 | 12,19 |
- for cash on bank accounts of legal entities | 3 444 | 0,13 | 4 016 | 0,12 | 4 691 | 0,12 |
- on deposits of legal entities | 10 470 | 0,4 | 12 432 | 0,37 | 13 892 | 0,35 |
- on deposits of clients - individuals | 360 013 | 13,90 | 409 324 | 12,03 | 456 913 | 11,69 |
- on issued debt obligations | 1 047 | 0,04 | 1 151 | 0,03 | 1 241 | 0,03 |
Other expenses for banking operations and other transactions | 0,02 | 3 122 | 0,09 | 5 431 | 0,14 | |
Total from banking operations and other transactions | 375 482 | 14,49 | 430 045 | 12,64 | 482 168 | 12,33 |
operating expenses | ||||||
Negative revaluation of foreign currency funds | 912 655 | 35,23 | 1191 359 | 35,03 | 1465 657 | 37,50 |
Commission fees | 1 138 | 0,04 | 1 337 | 0,04 | 1 547 | 0,04 |
other operating expenses | 799 735 | 30,87 | 1203 062 | 35,37 | 1296 988 | 33,17 |
Expenses associated with ensuring the activities of a credit institution, incl. | 496 957 | 19,18 | 570 281 | 16,77 | 657 672 | 16,82 |
- labor costs | 264 932 | 10,22 | 303 695 | 8,93 | 340 844 | 8,72 |
- taxes and fees in the form of payroll deductions | 72 322 | 2,79 | 62 837 | 1,85 | 92 620 | 2,37 |
- depreciation | 42 953 | 1,66 | 49 199 | 1,45 | 55 646 | 1,42 |
- organizational and management expenses | 116 750 | 4,51 | 154 550 | 4,54 | 168 562 | 4,31 |
total operating expenses | 2210 485 | 85,32 | 2966 039 | 87,2 | 3421 864 | 87,53 |
other expenses | 4 806 | 0,19 | 5 246 | 0,16 | 5 529 | 0,14 |
TOTAL EXPENSES | 2590 773 | 3401 330 | 3909 561 |
Application8
Name of deposit | Short description | Rate in rubles (in % per annum) | Interest rate in US dollars (in % per annum) | Interest rate in euros (in % per annum) |
Contribution "Save" | For maximum income | 5,15-9,96 | 1,35-4,00 | 1,25-4,50 |
Deposit "Top up" | To create savings and generate income | 5,12-9,01 | 1,35-3,75 | 1,25-4,25 |
Deposit "Manage" | To receive income and use part of the deposit | 4,57-8,07 | 1,30-3,55 | 1,10-4,1 |
Deposit "Give Life" | To generate income and participate in a charitable program | Up to 8.24 | - | - |
Deposit "Multicurrency Savings Bank of Russia" | To receive income in the form of interest on the deposit and additional. Income from currency fluctuations | 0,01-9,50 | 0,01-3,40 | 0,01-3,75 |
savings account | For free use of savings and monthly income | 0,20-1,15 | 0,2-1,15 | 0,2-1,15 |
Annex9
Application10
Application11
Name | year 2012 | 2013 (forecast) | ||
Basic option, thousand roubles. | 1 variant, thousand rubles | 2 variant, thousand rubles | Absolute change, thousand rubles | |
Deposits of individuals | 14235 321 | 14662 380 | 15279 380 | |
Including By terms: - on demand | 145 327 | 149 687 | 149 687 | |
- up to 30 days | 5 348 | 5 508 | 5 508 | |
- from 31 to 90 days | 271 438 | 279 581 | 279 581 | |
- from 91 days to 180 days | 401 407 | 413 449 | 413 449 | |
- from 181 days to 1 year | 3158 305 | 3253 054 | 3870 054 | |
- from 1 year to 3 years | 8329 367 | 8579 248 | 8579 248 | |
- over 3 years | 1924 129 | 1981 853 | 1981 853 |
Application12
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Deposit Policy
commercial bank (for example
PJSC "Sberbank of Russia")
Supervisor of the work: Doctor of Economics, Professor
I.T. Fazlaev
Author of the work: student of the IETT-424 group
G.T. Chukharev
The relevance of the work
2The relevance of the work
High competition among credit
organizations, the need to preserve and
strengthening market positions
Increasing the volume of implemented
operations and quality improvement
service.
New trends and needs of subjects
economy.
The bulk of banking resources
formed during the course of
deposit operations. 3
The object of the study is
public Joint-stock company Sberbank
Russia" (PJSC "Sberbank of Russia").
Subject of study - deposit policy
PJSC Sberbank of Russia.
The purpose of this graduation qualification
work is to develop proposals,
aimed at improving the deposit
politicians
PJSC Sberbank of Russia.
The tasks in accordance with the goal are:
– consider the concept and content of the deposit
bank policy;
– to study the activity and financial condition
PJSC "Sberbank of Russia";
- develop recommendations for
improving the deposit policy of PJSC
"Sberbank of Russia".
Selected indicators of the deposit market for the period 2013-2015
4Individual indicators
deposit market for
period 2013-2015
28 442,1
28 000,0
31,0
24 000,0
29,5
17 787,0 16 957,5
20 000,0
25 008,1
32,2
18 552,7
34,3
23 219,1
35,0
28,0
25,0
23,9
16 000,0
40,0
30,0
20,0
12 000,0
15,0
8 000,0
10,0
4 000,0
5,0
0,0
0,0
2013
2014
2015
Volume of funds raised from legal entities
The amount of funds attracted from individuals
Share of deposits of legal entities in total banking liabilities
Share of retail deposits in total banking liabilities
interest
billion rubles
32 000,0
Dynamics of the term structure of deposits of individuals for the period 2013–2015, in percent.
5Term Structure Dynamics
deposits of individuals for
period 2013–2015, in percent.
100
80
43,5
61,82
55,05
19,25
27,62
18,93
17,33
16,55
2013
2014
2015
60
40
39,96
20
0
Short-term (up to 1 year)
Long-term (over 1 year)
Poste restante
Dynamics of the structure of deposits of individuals depending on the size in 2013–2015, in percent.
6Dynamics of the deposit structure
individuals depending on
size in 2013–2015, as a percentage.
2015 10,7
2014
8,7
33,4
11,9
37,3
47,2
Up to 100 thousand rubles.
From 100 to 700 thousand rubles.
42,8
8
From 700 to 1,000 thousand rubles.
Over 1 million rubles
12,2
2013
0%
40,2
20%
40%
7,6
60%
80%
4
100%
Dynamics of key performance indicators of PJSC Sberbank of Russia from 01/01/2014 to 04/01/2016, billion rubles
7Dynamics of key indicators
activities of PJSC"Sberbank of Russia"
from 01/01/2014 to 04/01/2016, billion rubles
25000000
Million rub.
20000000
15000000
10000000
5000000
0
2014
Net assets
Involved funds
Own funds
2015
Year
2016
Credit. portfolio (excluding interbank loans)
Funds of individuals
Composition and structure of attracted funds of Sberbank of Russia as of 01/01/2014, 01/01/2015 and 01/01/2016
8Composition and structure of attracted
funds of Sberbank of Russia PJSC for
as of 01/01/2014, 01/01/2015
and 01.01.2016
The term structure of the deposit and loan portfolios of PJSC Sberbank of Russia as of 01/01/2016
9The term structure of the deposit and
loan portfolios of Sberbank of Russia PJSC
as of 01.01.2016
Life cycles of deposits of Sberbank of Russia PJSC as of 01/01/2016
10Life cycles of deposits
PJSC "Sberbank of Russia" for
as of 01.01.2016
Terms of the "Money box" deposit
11Terms of the "Money box" deposit
Currency
Minimum amount
Rubles
100 000 rub.
Term
1080 days
Bid
1,0–10,5%
Rate period
Deposit period, days
1 – 180
181 – 360
361 – 540
541 – 720
721 – 900
901 – 1 080
Capitalization
Quarterly
Bid
8,0%
8,5%
8,8%
9,0%
9,5%
10,0%
Replenishment
Prolongation
Debit transactions
Once every six months for an amount not exceeding 50,000 rubles.
Not produced
Allowed in relation to the principal amount of the deposit, no more than 1 time per period
capitalization for an amount not exceeding 30% of the principal amount of the deposit, up to
minimum deposit amount
Early return
Every 180 days possible early return with the same interest rate.
With an "extraordinary" return, the rate is reduced by 5 percentage points, from the date of the last
capitalization at the rate of the deposit "On Demand"
Additionally
Missing
Terms of deposit "Wonderful"
12Terms of deposit "Wonderful"
Currency
Rubles, US dollars, euros
Minimum amount
RUB 10,000, USD 300 or EUR 300
Term
730 days
Bid
1,0–9,0%
Validity
rates
Deposit period, days
Rate (deposit in rubles)
Rate (deposit in foreign currency)
1 – 180
8,0%
2,5%
181 – 360
8,5%
2,0%
361 – 540
8,8%
1,5%
541 – 720
9,0%
1,0%
Capitalization
Quarterly
Replenishment
Produced without restrictions
Prolongation
Not produced
Debit transactions
Allowed in relation to capitalized interest on the deposit, as well as in case of
receiving a part of the deposit (once in the interest capitalization period) in the amount not
exceeding 30% of the deposit (excluding capitalized interest)
Early return
From the date of the last capitalization at the rate of the deposit "On Demand"
Additionally
When opening a deposit in the amount of more than 100,000 rubles. the client is entitled to
credit card "Reserve" with a limit of 15,000 rubles. free of charge (subject to
positive decision by the bank)
Calculation of efficiency from the project for the implementation of the "Kopilka" deposit
13implementation of the "Moneybox" deposit
Name of indicator
Meaning
30 000,0
Required reserves, thousand rubles
1 275,0
2 400,0
Current expenses, million rubles
854,0
Income from the use of borrowed funds (issuing a loan at 25.1% per annum), 7,210.0
million rubles
430,9
Total income, million rubles
7 640,9
Total expenses, mdn. rub.
2 954,0
4 286,9
3 999,7
119,25
NIM, in percent
5,71
NS, in percent
6,41
Profit \u003d Income - Expenses \u003d 7,640.9 - 3,354.0 \u003d 4,286.9 million rubles.
Taking into account inflation forecasted at 12%: 3,999.7 million rubles.
Yield = Profit / Expense × 100% = 3,999.7 / 3,354.0 × 100% = 119.25%;
NIM = 3999.7 / 25471.0 × 100% = 5.71%;
HR = (7210.0/25471.0) × 100% – (2400.0/30000.0) × 100% = 14.41% – 8.00% = 6.41%
Calculation of efficiency from the project for the implementation of the "Wonderful" deposit
14Calculation of efficiency from the project
implementation of the "Wonderful" deposit
Name of indicator
The amount of attracted resources for., mln. rub.
Required reserves, million rubles
Bank expenses (payment of 8.0% per annum), million rubles
Current expenses, million rubles
Income from the use of borrowed funds (issuing a loan at 25.1% per annum),
million rubles
Meaning
20 000,0
850,0
1 600,0
725,9
4 806,7
Fee for maintaining a loan account (1.5% per annum), million rubles
Total income, million rubles
Total expenses, million rubles
Profit excluding inflation, million rubles
Profit adjusted for inflation, projected at 12%, million rubles
Return on costs, in percent
NIM, in percent
NS, in percent
287,2
5 093,9
2 325,9
2 768,0
2 601,9
111,87
5,47
5,97
Profit \u003d Income - Expenses \u003d 5,093.9 - 2,325.9 \u003d 2,768.0 million rubles.
Taking into account inflation forecasted at 12%: 2,601.9 million rubles.
Yield = Profit / Expense × 100% = 2,601.9 / 2,325.9 × 100% = 111.87%;
NIM = 2601.9 / 16824.1 × 100% = 5.47%;
HR = (4,806.7/16,824.1)×100% - (1,600.0/20,000.0)×100% = 28.97% - 8.00% = 20.97%
Conclusion
15Conclusion
As a result of the investment implementation project
"Piggy bank" and "Wonderful" profitability
bank accounted for 119.25% and 111.87%, which
led to an increase in the net interest rate
margins by 5.71% and 5.47% respectively.
As we can see, the implementation project of any of
of these deposits ensures the growth of indicators
profitability, which means an increase in the profit of the bank,
which is the most important criterion
effectiveness of the deposit policy and will
contribute to the growth of long-term
bank resources.