The objectives of the deposit policy of a commercial bank 1 • Assistance in the process of conducting deposit operations to receive bank profit 2 • Maintaining the necessary level of Bank liquidity 3 • Providing a variety of subjects of deposit operations and a combination of different forms of deposits 4 • Maintaining the relationship and mutual consistency between deposit operations and loan operations, for amounts and terms of deposits and credit investments 5 • Minimization of free funds in bank deposit accounts 6 • The adoption of flexible interest rate policy 7 • The attraction of the deposits of the necessary amount of resources for a long as possible 8 • The development of banking products and services, as well as improving the quality and culture of customer service 9 • Expansion of the range of deposit products provided to legal entities and individuals
The position of the PJSC "Bank" in the banking system of the Russian Federation on 01. 2017 Retail loans No. 10 / No. 15 Retail deposits No. 3 / No. 7 Investments in securities No. 15 Corporate deposits No. 7 / No. 12 Positions of PJSC "BINBANK" (among private Russian banks / among all Russian banks) Deposits of individuals No. 6 The amount of capital Corporate loans No. 11 / No. 17 No. 14 Net profit No. 10 Credit portfolio No. 22 Total assets № 5 / № 12
Index Algorithm of calculation 2014 2015 2016 Rate of change, % 2015 by 2014 2016 by 2015 The ratio of "financial leverage", % C=Attracted funds / Own capital 4, 3 5, 6 6, 3 1, 3 0, 7 Coefficient of total reliability, % C=Own capital / Income assets 6, 5 8, 5 9, 2 2, 0 0, 7 The coefficient of profitability of assets, % С= Profit / Total assets 34, 74 41, 66 48, 25 6, 92 6, 59 Coefficient of security of own capital, % С=Capitalized assets / Equity 38, 9 32, 5 29, 9 -6, 4 -2, 6 Coefficient of security of income assets by own capital, % С= Capital - Income -14, 06 Assets / General Assets -14, 22 -10, 63 0, 16 -3, 59
Index 2014 2015 2016 Rate of change, % 2015 by 2014 2016 by 2015 Cost/Income Ratio (CIR), % 55, 0 59, 0 57, 0 4, 0 -2, 0 Net interest margin (NIM), % 4, 4 2, 7 3, 1 -1, 7 0, 4 Total capital adequacy ratio (Basel II), % 10, 9 10, 5 14, 5 -0, 4 4, 0 Capital adequacy ratio of 1 st level (Basel II), % 7, 5 7, 3 11, 0 -0, 2 3, 7 NPL / Total loan portfolio before deduction reserves, % 3, 8 7, 4 8, 1 3, 6 0, 7 Coverage ratio of NPL reserves, % 118, 0 184, 1 201, 0 66, 1 16, 9 Number of offices 185 415 454 230 39
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