Problems of the development of deposit operations of Sberbank. Proposals for improving deposit operations in the Savings Bank of the Russian Federation
The stabilization of the political situation, positive trends in the Russian economy create the basis for expanding investments in the real economy and require accelerating the growth rate of the resource base of Sberbank of Russia. The Bank defines as the main sources of raising funds:
The population's savings are the main and most stable investment resource.
Funds 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. Maintaining priority pricing conditions for deposits for the least socially protected groups of the population.
Maintaining and possibly increasing market share banking services 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 singles out 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 attracting resources by the parameters "price - term - the risk of revaluation or early recall ”.
The consequences of socio-political and economic instability and inflationary expectations, typical of the post-crisis period, seriously complicate the problem of the population choosing 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 storage of funds used, contribute to the gradual overcoming of the inclination to keep savings in cash. As the rate of inflation slows down, production growth accelerates, the amount of arrears on wages and pensions is reduced, tax rates for citizens' income decrease, the bank's ability to attract funds from the population will increase.
The bank's policy in the field of attracting will be aimed at maintaining a 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 - workers and pensioners, youth and middle-aged people, and will be designed for both low-income strata of the population and people with an average and high income.
The bank's interest rate policy on term 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. An increase in the share of long-term deposits will be among the priorities of the interest rate policy. The desire to involve "mattress" funds of the population in economic turnover leads to the need to increase the attractiveness and stimulate the growth of not only ruble, but also foreign currency deposits... The implementation of such an interest rate policy will allow the Bank to significantly reduce the interest rate and currency risks. By 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 for 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 the motives of savings of different groups of the population historically determined the formation of the Bank's client base mainly at the expense of citizens of retirement age. Taking into account its social mission, the Bank will maintain priority pricing terms for deposits for this group of clients.
The Bank considers economically active population of the country 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 customers to service, 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, payment for education, tourism and recreation. Attraction and consolidation of this group of clients, the 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 of client funds, financial consulting, brokerage and agency services, the use of advanced information technologies, including the Internet. Along with the replication of standard competitive banking products targeted at the general public, it will offer personalized service and deposit products for wealthy clients.
Sberbank of Russia will expand the issue of cards of international payment systems aimed at the middle class and wealthy clients; international debit cards and microprocessor cards AS Sberkart for transferring salaries, pensions and social payments... Improving the level of service, the possibility of using Internet technologies and mobile telephone connection, the development of acquiring makes it possible to turn bank cards into a mass product and 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 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 pricing 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 corporate banking market. It is planned to increase the share of funds attracted from corporate clients in deposits. This goal is supposed to be achieved on the basis of the formation of long-term relationships and mutually beneficial cooperation with clients.
3.1. Introduction of a new type of deposit for wealthy clients.
, The introduction of innovations is always linked to 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 of short-term and long-term programs. The bank needs not only to respond clearly and quickly to new trends, but also to influence the clientele for a quick reaction to its innovations. Evaluating the work of the Cherepovets branch No. 1950 of Sberbank of Russia, I noticed its strong and weaknesses... The branch occupies a high position in the market of attracted funds from the population; the Bank's success is directly related to the sustainable development of the country and society. The Bank's brand is recognizable, depositors trust the Bank, which is on the market banking services for 170 years. 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 supplemented in the Appendices. A survey was also conducted for the period from 19 to 24 December 2012 (Table 3.1).
Question | Answers | Share,% |
Where do you keep your 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 what to do 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 are you opening a deposit with Sberbank? | Small percentage of accrual on the deposit | 52,5 |
Already open | 19,5 | |
Served at another bank | 4,9 | |
There are no funds to open a deposit | 16,7 | |
Not necessary | 6,4 | |
What does not suit you the most in Sberbank offices? | 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 of all the respondents, 28.1% keep money on a 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% had a deposit opened with another bank; 41% believe that Sberbank first of all needs to get rid of queues; 71.8% are not satisfied with the queue in Sberbank offices most of all.
From the above, I conclude that Sberbank needs to improve deposits of individuals and reduce the time it takes to serve clients.
Information on bank deposits of individuals is presented in Table 3.2.
Table3.2. Information on bank deposits and other funds raised from individuals in rubles, foreign currency and precious metals.
Based on the table. 3.2. as of 01.01.13, 18667 million rubles were on 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 on deposit accounts they are not attracted. Therefore, I determine what is the share of depositors with a high level of income in all deposits operating in the Bank, i.e. above 500 thousand rubles.
Deposits offered by the bank to high-yield clients in the Cherepovets branch of Sberbank of Russia are presented in Table 3.3.
Table3.3. Deposits for high-yield clients.
Bank | Deposit type | Deposit amount (RUB) | Deposit term | % |
Bank "Russian Capital" | "VIP deposit" | 650 000 | 3, 6 months, 1 and 2 years | 8,8 – 10,7 |
Privatbank | "VIP deposit" | 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" | "Right" | 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 | "A priority" | 181,365 days | 8 – 8,5 |
Since the refinancing rate of the Bank of Russia from September 14, 2012 has been 8.25%, plus an additional five percentage points, none of the proposed deposits in the Vologda Oblast exceeds the maximum percentage. The market situation is such that large deposits are growing at the fastest pace, starting from 1 million rubles. - these are segments of high-income clients. Sberbank has historically the lowest market share in these segments. A structural shift is taking place, in order to increase your share in this market segment, you need to move quickly. It is proved that in the Cherepovets branch No. 1950, the share of VC has a trend to increase. The banking services market is diverse, to attract additional VCs, it is proposed to introduce a new deposit "Maximum" .: 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 - not provided.
This is an exclusive offer, therefore this contribution is not subject to widespread 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 low quality of services to clients, lack of information from potential and current clients 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 about the services of other services.
As a rule, there are no uniform standards for the provision of services to clients. The proposed type of deposit is mainly focused on wealthy clients, since the position of wealthy clients with legal capital is growing. According to various estimates, today covered 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 funds. For wealthy clients, it is important that the investment of money is profitable (brings a constant income), reliably (the risk is minimal), it is possible to withdraw it from the investment when necessary. In my case, the type of income disappearance is simple interest, when the actual balance of the deposit is used as a calculation and with a set frequency, based on the specified interest, the deposit is calculated and paid.
Simple interest is calculated as follows:
P \u003d P x I x n / 100 K (1)
Where P is the amount of accrued interest;
Р - the initial amount of attracted funds;
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 status of 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 attracting deposits per year will be:
Attraction amount \u003d Number of accounts х Deposit amount
517 х 1,000 million rubles \u003d 517,000 thousand rubles.
This is only one VSP, and in the composition 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 above parameters were assessed for two options: excluding new types of deposits; taking into account the proposed activities. Thus, the introduction of a new type of deposit will allow Sberbank to increase the amount of borrowed funds 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 from the introduction of a new event.
Attraction amount \u003d Number of accounts х Deposit amount
617 х 1,000 thousand rubles. \u003d 617,000 thousand rubles.
Amount of expenses \u003d Amount of attraction x Interest rate
617,000 thousand rubles. x 10% \u003d 61,700 thousand rubles.
The required reserve ratio established 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 attracted amount \u003d Attracted amount - 4.25%
617,000 - 61,700 \u003d 555,300 thousand rubles.
The existing credit programs are presented in Table 3.4.
Table 3.4. Credit programs of Cherepovets OJSC 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 for the net attraction amount:
Income \u003d Net borrowing amount x Average interest rate on allocated resources \u003d 555,300 x 15.18% \u003d 84,294 thousand rubles.
Expense from attraction \u003d 61,700 thousand rubles.
Forecasted 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 in 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 a market environment.
3.2 Changing the terms of the deposit in order to attract new depositors.
To expand resource potential Sberbank of Russia needs to intensify its deposit policy, since it is precisely the implementation of a competent deposit policy that will ensure a gradual increase in the deposit portfolio. So, for the greatest interest of customers and the inflow of deposits, Sberbank can offer the payment of interest on placed deposits 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 withheld from the deposit amount.
I believe that the method of paying interest is most appropriate for deposits with a base term of no more than 1 year, since with a longer storage of funds, the bank will have to pay large amounts of interest, which will significantly increase interest expenses at a given point in time and can be risky. The payment of interest in advance can be set on the "Save" deposit, which is a branded offer of Sberbank. This deposit is designed specifically for regular customers and allows you to fix a high rate for the entire term of the deposit, this type of deposit is presented in table 3.5.
Table3.5. Tariff rates on the "Save" deposit.
Thus, in accordance with the data in Table 3.5, for this deposit, 2 options for investing funds are proposed. The first option is replenished (replenishment is possible during the entire storage period of the deposit, with the exception of two last months) and opens for a period of 6 months to 3 years. The second is term deposit and offers placement of funds for a period of 1 to 3 years. At the same time, my analysis at the Cherepovets Sberbank of Russia showed that funds for this type of contribution are attracted on an insignificant scale. So, in the 47th quarter of 2012, the volume of deposits "Save" amounted to only 28 pieces. Of which 18 were carried out in October, 8 in November, and 11 in December. Thus, the mode of payment of interest during the opening of 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 will significantly expand the volume of attracted funds. This deposit will continue to be a branded offer of the bank. However, it will become urgent and there will be no top-up option. Funds can be deposited for a period from 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 clients who applied to the Cherepovets branch of Sberbank for advice. In total, during the specified period, there were 500 calls. Clients were offered to familiarize themselves with the new terms of the deposit. 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 willing to contribute funds, are presented in table 3.6.
Table3.6. Results of a survey of clients wishing to contribute to 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 contribute an average amount of 50,000 rubles. This is due, first of all, to the fact that the mode of payment of interest on a deposit in advance is a new condition for a deposit 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 interest margin or interest income without threatening 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 have attached only 3. I have 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, 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 measures.
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 changes in the corporate deposit “Save”, the volume of attracted funds will significantly increase. 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 Sberbank of Russia in the forecast period.
The data presented by me allow 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 payment of interest on the "Keep" 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 861 more people to its depositors. Attraction of 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 to the terms of 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 customers for funds provided for temporary use (Table 3.8.).
Table 3.8. Dynamics of the net loan debt of Sberbank of Russia in the forecast period.
The table shows that the placement of funds attracted from depositors in consumer loans will increase the bank's loan debt by 584.7 million rubles. (or by 2.7%) and its forecasted 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 affect the financial results of Sberbank of Russia. Sberbank's interest income 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 expenses will 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 structure of the bank's income. The increase in administrative and management expenses is insignificant and amounts to 12 thousand rubles. A part of the borrowed funds, the credit institution must deduct to the reserve, in accordance with the Regulation of the Central Bank of the Russian Federation No. 342 - P. Currently, the amount of deductions is 4.25%. Thus, as a result of raising funds for new deposits, the bank will deduct 25.8 million rubles into reserves.
All of the above changes, in connection with the implementation of measures to improve the deposit policy, will ultimately affect the size of the profit of the Cherepovets branch of Sberbank.
Table 3.9. Dynamics of growth 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 appearance of a new deposit "Maximum" and changes in the conditions for the corporate deposit "Save" will have a positive effect on the results financial activities this credit institution, since it will allow to receive additional profit and increase the indicator of the bank's economic profitability.
Conclusion.
The formation of passive operations and an increase in resources are guaranteed by a number of factors: stability of work, growth of confidence in the bank, a variety of types of deposits, and 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 the results of financial activities of the Cherepovets branch of Sberbank of Russia showed that the share of working assets in net assets is presented at a fairly high level (79%), which indicates that the bank is working quite efficiently. The share of term loans of legal entities in working assets for the analyzed period was at the level of 75%, which means that of the total volume of loans issued, 75% falls on loans to legal entities, which indicates the investment development of the bank. The share of overdue debt in loan debt is not even 1%, i.e. creditors return their obligations to the bank on time. Share of funds of individuals in the total of attracted funds is 62.19%, which means 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 95.6 million rubles less than in 2011. or by 20.77%, and above the 2012 level by 52.7 million rubles. or 16.90%. In 2013, the Bank's deposit operations amounted to 14,730.4 million rubles, which is higher than the level of 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 47.6 million rubles higher than in 2012. or by 11.63%, the level of 2011 by 96.9 million. rub. or 26.92%. In order to optimize the deposit policy, it was proposed: deposits, starting from 1 million rubles. - these are segments of high-income clients. 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 of the implementation of this proposal, calculated by me, allows us to speak about its profitability for the branch. In case of its implementation, it is possible to increase the volume of attracted funds of the population in the forecast year by 617 million rubles. or by 4.21%, and increase profit by 22,594 thousand rubles. or 5.95%.
The bank needs to revise the list of existing deposits to be more focused on attracting new depositors and retaining existing ones. So for the greatest interest of customers and the inflow of deposits, Sberbank can offer the payment of interest on placed deposits 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, in the event that the agreement is terminated early, the bank will recalculate the interest on the deposit and the overpaid amounts will be withheld from the deposit amount. In my opinion, this method of interest payment is most advisable for deposits with a base maturity 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 this point in time and can be risky. So, for example, the payment of interest in advance can be set on the "Save" deposit, which is a branded 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.
List of references:
1. Federal Law of the Russian Federation dated 02.12.1990 No. 395-1 "On Banks and Banking Activities".
2.Federal Law of 10.07.2002 No. 86-FZ "On Central Bank Russian Federation (Bank of Russia ".
3. Instruction of the Bank of Russia dated January 16, 2004, No. 110-I "On the Bank's Compulsory Ratios".
4.Provision on the formation procedure credit institutions reserves for possible losses on loans, on loan and equivalent indebtedness "dated 26.03.2004, No. 254-P.
5. Banking: A textbook for university students studying in economic specialties and the specialty "Finance and credit" / [E. F. Zhukov and others]; ed. E. F. Zhukova, N. D. Eriashvili. - 4th ed., Rev. And add. - M .: UNITY - DANA, 2011 .-- 687 p.
6. Vasilyeva. A.S., Nikulina. I. V. "Features of deposit policy commercial bank in modern conditions»/ AS Vasilyeva, IV Nikulina // Finance and credit. - 2011. - No. 40. - S. 43-52.
7. Grachev. I. D., Berestnev. D. A. “Increasing the profitability of the bank loan portfolio 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 of assessing the creditworthiness of individuals."
9.Litvinenko. A., Gerasimenko. N. "Remote banking".
10.Pukhov. A. V. "Operational work with deposits of individuals".
11.Pukhov. A. V. "The main types and characteristics of bank deposits."
Attachment 1
Name of the standard | Designation | Actual value,% | Normative value |
Equity (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 a group of related borrowers | H 6 | 17,90 | Max 25% |
Maximum size of large credit risks | H 7 | 80,00 | Max 800% |
The standard for the maximum amount of loans, bank guarantees and sureties provided by the bank to its participants (shareholders) | H 9.1 | Max 50% | |
Aggregate amount of risk by insiders of the bank | H 10.1 | 0,90 | Max 3% |
The standard for the use of the bank's own funds (capital) for the acquisition of shares (stakes) of other legal entities | H 12 | 0,10 | Max 25% |
Appendix 2
Article title | 01.01.11 g. | 01.01.12 g. | 01.01.13 g. |
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 with 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 |
Others | 670 502 | 396 556 | 560 680 |
Total net assets | 25139 658 | 24478 478 | 25145 053 |
PASSIVE | |||
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 bank acceptances | 15 100 | ||
Deposits and other borrowed funds | 14215 876 | 14236 413 | 14328 252 |
LORO accounts | 3 166 | 4 648 | |
Others | 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 |
Appendix 3
Article title | 2011 year | 2012 year | 2013 year | |
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 | ||
Commission fees | 68 664 | 77 883 | 108 887 | |
Other operating income | 397 848 | 581 526 | 670 871 | |
Other income | ||||
Fines, penalties, forfeit | 76 357 | 77 846 | 82 362 | |
2 351 | 2 432 | 2 532 | ||
Total other income | 78 833 | 80 401 | 85 126 | |
TOTAL INCOME | ||||
EXPENSES | ||||
Interest expenses | 374 974 | 426 923 | 476 737 | |
- by 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 deals | 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 on wages | 72 322 | 62 837 | 92 620 | |
Depreciation | 42 953 | 49 199 | 55 646 | |
Organizational and administrative 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 | |
Appendix 4
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 with 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 |
Others | 670 502 | 2,67 | 396 556 | 1,62 | 560 680 | 2,23 |
Total net assets |
Appendix 5
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 |
- promissory notes and bank acceptances | 0,0004 | 0,0004 | 15 100 | 0,06 | ||
- deposits and other borrowed funds | 56,55 | 58,16 | 56,98 | |||
Loro accounts | 0,003 | 3 166 | 0,01 | 4 648 | 0,02 | |
Others | 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 loan losses | 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 |
Appendix6
Indicator name | 2011, thousand rubles | Specific weight,% | 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 purchase and sale foreign currency 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 sureties | 4 657 | 0,15 | 4 657 | 0,13 | 5 071 | 0,12 |
- from 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 funds in foreign currency | 908 506 | 29,78 | 1128 019 | 30,38 | 1330 882 | 31,14 |
Commission fees | 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, forfeit | 76 357 | 2,50 | 77 846 | 2,10 | 82 362 | 1,93 |
Revenues 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 |
Appendix7
Indicator name | 2011, thousand rubles | Specific weight,% | 2012, thousand rubles | Specific weight,% | For 2013, thousand rubles | Specific weight,% |
EXPENSES | ||||||
For banking operations and other transactions | ||||||
Interest expenses | 374 974 | 14,47 | 426 923 | 12,55 | 476 737 | 12,19 |
- for funds in 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 on 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 funds in foreign currency | 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 deductions on wages | 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 administrative 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 |
Appendix8
Deposit name | Short description | Rate in rubles (in% per annum) | Rate in US dollars (in% per annum) | Rate in euros (in% per annum) |
"Save" deposit | For maximum income | 5,15-9,96 | 1,35-4,00 | 1,25-4,50 |
Deposit "Replenish" | To create savings and generate income | 5,12-9,01 | 1,35-3,75 | 1,25-4,25 |
"Manage" deposit | To generate income and use part of the deposit | 4,57-8,07 | 1,30-3,55 | 1,10-4,1 |
Donate Life | To generate income and participate in a charity program | Up to 8.24 | - | - |
Deposit "Multicurrency Sberbank 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 |
Appendix9
Appendix10
Appendix11
Name | year 2012 | 2013 (forecast) | ||
Basic option, thousand rubles | 1 var., Thousand rubles | 2 var., Thousand rubles | Absolute change, thousand rubles | |
Individual deposits | 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 to 3 years | 8329 367 | 8579 248 | 8579 248 | |
- over 3 years | 1924 129 | 1981 853 | 1981 853 |
Appendix12
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Deposit policy
commercial bank (for example
PJSC "Sberbank of Russia")
Work supervisor: Doctor of Economics, Professor
I.T. Fazlaev
The author of the work: student of the IETT-424 group
G.T. Chukharev
Relevance of work
2Relevance of work
High competition among credit
organizations, the need to maintain and
strengthening market positions
An increase in the volume of
operations and quality improvement
service.
New trends and needs of subjects
economy.
The bulk of banking resources
formed during the
deposit operations. 3
The research object is
Public Joint-Stock Company Sberbank
Russia ”(PJSC“ Sberbank of Russia ”).
Research subject - deposit policy
PJSC "Sberbank of Russia".
The purpose of this final qualification
work is the development of 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 policies;
- study the activities 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
4Selected 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
The amount of funds raised from legal entities
The amount of funds raised from individuals
Share of corporate deposits in total bank liabilities
Share of retail deposits in total bank liabilities
interest
RUB bln
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 structure of deposits
individuals depending on
size in 2013–2015, in percent.
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.
More than 1 million rubles.
12,2
2013
0%
40,2
20%
40%
7,6
60%
80%
4
100%
Dynamics of the main performance indicators of Sberbank of Russia from 01.01.2014 to 01.04.2016, billion rubles
7Dynamics of main indicators
activities of PJSC "Sberbank of Russia"
from 01.01.2014 to 01.04.2016, billion rubles
25000000
Mln. rub.
20000000
15000000
10000000
5000000
0
2014
Net assets
Involved funds
Own funds
2015
Year
2016
Creed. portfolio (without interbank credit)
Funds of individuals
Composition and structure of attracted funds of Sberbank of Russia PJSC as of 01.01.2014, 01.01.2015 and 01.01.2016.
8Composition and structure of involved
funds of PJSC "Sberbank of Russia"
as of 01.01.2014, 01.01.2015
and 01.01.2016
The maturity structure of the deposit and loan portfolios of Sberbank of Russia as of 01.01.2016
9The structure of the maturity of the deposit and
loan portfolios of Sberbank of Russia
as of 01.01.2016
Life cycles of deposits of Sberbank of Russia as of 01.01.2016
10Contribution life cycles
PJSC "Sberbank of Russia"
as of 01.01.2016
Terms of the deposit "Piggy bank"
11Terms of the deposit "Piggy bank"
Currency
Minimum amount
Rubles
RUB 100,000
Term
1,080 days
Rate
1,0–10,5%
Bet period
Deposit term, days
1 – 180
181 – 360
361 – 540
541 – 720
721 – 900
901 – 1 080
Capitalization
Quarterly
Rate
8,0%
8,5%
8,8%
9,0%
9,5%
10,0%
Replenishment
Prolongation
Expense 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 while maintaining the interest rate.
In case of an "extraordinary" refund, the rate is reduced by 5 pp, from the day of the last
capitalization at the deposit rate "On demand"
Additionally
Missing
Terms of deposit "Zamechtalny"
12Terms of deposit "Zamechtalny"
Currency
Rubles, US dollars, euros
Minimum amount
RUB 10,000, USD 300 or EUR 300
Term
730 days
Rate
1,0–9,0%
Validity
rates
Deposit term, 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
Expense transactions
Allowed in relation to capitalized interest on the deposit, as well as when
receiving part of the deposit (once in the period of capitalization of interest) in an amount not
exceeding 30% of the contribution (excluding capitalized interest)
Early return
From the day of the last capitalization at the "On demand" deposit rate
Additionally
When opening a deposit in the amount of more than 100,000 rubles. the client has the right to receive
credit card "Zapaska" 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 introduction of the deposit "Moneybox"
13introduction of the deposit "Piggy bank"
Indicator name
Value
30 000,0
Obligatory 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, RUB mln
7 640,9
Total expenses, mdn rub.
2 954,0
4 286,9
3 999,7
119,25
NIM, percentage
5,71
Emergency, 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 the rate of 12%: 3,999.7 million rubles.
Profitability \u003d Profit / Expense × 100% \u003d 3 999.7 / 3 354.0 × 100% \u003d 119.25%;
NPM \u003d 3,999.7 / 25,471.0 × 100% \u003d 5.71%;
HR \u003d (7 210.0 / 25 471.0) × 100% - (2,400.0 / 30,000.0) × 100% \u003d 14.41% - 8.00% \u003d 6.41%
Calculation of efficiency from the project for the introduction of the deposit "ZEMECHTATELNY"
14Project efficiency calculation
introduction of the contribution "Zamechtalny"
Indicator name
The amount of attracted resources for., Mln. Rub.
Obligatory reserves, RUB mln
Bank expenses (payment 8.0% per annum), mln. Rubles
Current expenses, million rubles
Income from the use of borrowed funds (issuing a loan at 25.1% per annum),
million rubles
Value
20 000,0
850,0
1 600,0
725,9
4 806,7
Loan account maintenance fee (1.5% per annum), RUB mln
Total income, RUB mln
Total expenses, RUB mln
Profit excluding inflation, RUB mln
Profit adjusted for inflation, forecasted at 12%, mln. Rub.
Return on costs, percent
NIM, percentage
Emergency, 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.
Profitability \u003d Profit / Expense × 100% \u003d 2,601.9 / 2 325.9 × 100% \u003d 111.87%;
NIM \u003d 2,601.9 / 16,824.1 × 100% \u003d 5.47%;
HR \u003d (4,806.7 / 16,824.1) × 100% - (1,600.0 / 20,000.0) × 100% \u003d 28.97% - 8.00% \u003d 20.97%
Output
15Output
As a result of the investment implementation project
"Piggy bank" and "REMARKABLE" profitability
banks amounted to 119.25% and 111.87%, which
led to an increase in net interest
margin 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 bank's profit,
what is the most important criterion
the effectiveness of the deposit policy and will
help build long-term
bank resources.