4
ЗМІСТ
ВСТУП 3
СТАН ТА ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ 5
1.1. Загальна характеристика банківської системи 5
1.2. Формування ресурсів банківської системи 22
1.3. Розміщення ресурсів банків України 30
1.4. Фінансові результати діяльності банківської системи 33
ВИСНОВКИ
СПИСОК ВИКОРИСТАНОЇ ЛІТЕРАТУРИ 39
ДОДАТКИ 40
ВСТУП
На сучасному етапі економічного розвитку, в умовах трансформації
національної економіки, серед проблем, пов’язаних з виходом України з
кризового стану, важливе місце посідає завдання формування ефективної
банківської системи. Як найважливіший елемент відтворювальної структури
економіки банківські установи організують рух і перерозподіл ресурсів
суспільства в їх грошовому виразі. Через банківську систему проходять
грошові розрахунки і платежі господарюючих суб’єктів та населення в
цілому. Саме комерційні банки виконують важливу функцію мобілізації
тимчасово вільних грошових ресурсів і перетворення їх у реальний
капітал, здійснюючи різноманітні кредитні, інвестиційні та інші операції
і забезпечуючи, таким чином, потреби економіки в додаткових ресурсах.
Серед суб’єктів фінансово-господарської діяльності комерційні банки – це
саме та галузь, яка повинна бути спроможна своєчасно прогнозувати
динаміку економічної кон’юнктури, а також якнайшвидше та досить гнучко
реагувати на будь-які зміни, що відбуваються на фінансовому ринку.
Метою даного звіту є визначення сучасного стану та тенденції розвитку
банківської системи України.
Досягнення мети передбачає вирішення наступних завдань:
1) розробка загальної характеристики банківської системи;
2) аналіз процесу формування ресурсів банківської системи;
3) здійснення аналізу фінансових результатів діяльності банків України;
4) зібрати документи, якими оформлюються депозитні, розрахунково-касові,
та кредитні операції банку.
Саме ці питання будуть висвітлені в даному звіті, для з’ясування яких,
будуть використані наступні методи аналізу:
§ читання звітності;
§ горизонтальний аналіз;
§ вертикальний аналіз;
§ математичні методи.
Об’єктом дослідження обрано статистичну інформацію Національного банку
України, комерційних банків та Державного Ощадного банку України.
РОЗДІЛ 1. СТАН ТА ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ
1.1. Загальна характеристика банківської системи
Законодавче забезпечення функціонування банківської системи України було
здійснене з прийняттям в 1991 р. Закону України «Про банки і банківську
діяльність». Україна як й інші незалежні держави, що виникли в
економічному просторі колишнього СРСР, задекларувала необхідність
побудови ефективної фінансово-кредитної системи, створено у вигляді
дворівневої структури управління фінансовими ресурсами, яка
представлена, по-перше, Національним банком України та його
підрозділами, по-друге – комерційними банками різних форм власності,
спеціалізації та територіального статусу [4].
Банківська система – основна ланка кредитно-фінансової системи,
невід’ємна частина структури ринкової економіки. Банківська система
України зображена на рисунку 1.1.
Рис. 1.1. Банківська система України
Статус і принципи діяльності Національного банку України визначені
основним законом держави – Конституцією України. Статті, які стосуються
функціонування Національного банку, вміщено у двох розділах, присвячених
законодавчій і виконавчій гілкам влади. Правовий статус Національного
банку України визначається також Законами України «Про Національний банк
України», «Про банки і банківську діяльність», декретом Кабінету
Міністрів України «Про систему валютного регулювання і валютного
контролю» та іншими законодавчими актами.
Правовий статус центрального банку можна охарактеризувати таким чином:
це державний орган управління з покладеними на нього особливими
завданнями у сфері грошово-кредитних відносин і банківської діяльності.
Для виконання цих завдань центральний банк наділяється відповідними
державно-владними і цивільно-правовими повноваженнями. [8]
Правовий статус Національного банку має комплексний характер, що
властиво статусові органів держави. Він складається з конституційної
правосуб’єктності та галузевих статусів (адміністративно-правового та
цивільно-правового). Основний зміст правового статусу НБУ становлять
його функції та повноваження. Національний банк України як орган держави
зі спеціальним статусом реалізує функції держави, виконуючи вимоги
законодавчих актів[7].
Принципи організації діяльності Національного банку України визначені
Конституцією України та Законом України «Про Національний банк України».
Національний банк України є юридичною особою, має відокремлене майно, що
є об’єктом права державної власності та перебуває у його повному
господарському віданні і статутний капітал у розмірі 10 млн. грн., який
є державною власністю і служить для забезпечення зобов’язань
Національного банку України.
Згідно зі статтею 99 Конституції України, прийнятою в 1996 році,
основною функцією центрального банку держави – Національного банку
України є забезпечення стабільності грошової одиниці – гривні.
Національний банк України у відповідності із Законом України «Про
Національний банк України» є центральним банком України, особливим
центральним органом державного управління, її емісійним центром,
проводить єдину державну політику в галузі грошового обігу, кредиту,
зміцнення грошової одиниці, організує міжбанківські розрахунки,
координує діяльність банківської системи в цілому, визначає курс
грошової одиниці відносно валют інших країн. Національний банк визначає
вид грошових знаків, їх номінал, відмінні ознаки і систему захисту.
Національний банк України зберігає резервні фонди грошових знаків,
дорогоцінні метали та золотовалютні запаси, накопичує золотовалютні
резерви і здійснює операції з ними та банківськими металами.
Національний банк України встановлює порядок визначення облікової ставки
та інших процентних ставок за своїми операціями, дає дозвіл на створення
комерційних банків шляхом їх реєстрації та видає ліцензії на виконання
банківських операцій, встановлює банкам та іншим фінансово-кредитним
установам нормативи обов’язкового резервування коштів.
Відповідно до Конституції України основною функцією Національного банку
є забезпечення стабільності грошової одиниці України.
Національний банк виконує такі функції:
1. монопольно здійснює емісію національної валюти України та організує
її обіг;
2. відповідно до розроблених Радою Національного банку України основних
засад грошово-кредитної політики визначає та проводить грошово-кредитну
політику;
3. виступає кредитором останньої інстанції для банків і організує
систему рефінансування;
4. встановлює для банків правила проведення банківських операцій,
бухгалтерського обліку і звітності, захисту інформації, коштів та майна;
5. організовує створення та методологічно забезпечує систему
грошово-кредитної і банківської статистичної інформації та статистики
платіжного балансу;
6. визначає систему, порядок і форми платежів, у тому числі між банками;
7. визначає напрями розвитку сучасних електронних банківських
технологій, створює, координує та контролює створення електронних
платіжних засобів, платіжних систем, автоматизації банківської
діяльності та засобів захисту банківської інформації;
8. здійснює банківське регулювання та нагляд;
9. веде Державний реєстр банків, здійснює ліцензування банківської
діяльності та операцій у передбачених законами випадках;
10. веде офіційний реєстр ідентифікаційних номерів емітентів платіжних
карток внутрішньодержавних платіжних систем;
11. здійснює сертифікацію аудиторів, які проводитимуть аудиторську
перевірку банків, тимчасових адміністраторів та ліквідаторів банку;
12. складає платіжний баланс, здійснює його аналіз та прогнозування;
13. представляє інтереси України в центральних банках інших держав,
міжнародних банках та інших кредитних установах, де співробітництво
здійснюється на рівні центральних банків;
14. здійснює відповідно до визначених спеціальним законом повноважень
валютне регулювання, визначає порядок здійснення операцій в іноземній
валюті, організовує і здійснює валютний контроль за банками та іншими
фінансовими установами, які отримали ліцензію Національного банку на
здійснення валютних операцій;
15. забезпечує накопичення та зберігання золотовалютних резервів та
здійснення операцій з ними та банківськими металами;
16. аналізує стан грошово-кредитних, фінансових, цінових та валютних
відносин;
17. організує інкасацію та перевезення банкнот і монет та інших
цінностей, видає ліцензії на право інкасації та перевезення банкнот і
монет та інших цінностей;
18. реалізує державну політику з питань захисту державних секретів у
системі Національного банку;
19. бере участь у підготовці кадрів для банківської системи України;
20. визначає особливості функціонування банківської системи України в
разі введення воєнного стану чи особливого періоду, здійснює
мобілізаційну підготовку системи Національного банку;
21. здійснює інші функції у фінансово-кредитній сфері в межах своєї
компетенції, визначеної законом [1].
Організаційна структура НБУ побудована за принципом централізації з
вертикальним підпорядкуванням. Організаційну структуру НБУ наведено в
додатку А.
Повноваження Ради Національного банку:
§ відповідно до загальнодержавної програми економічного розвитку та
основних параметрів економічного та соціального розвитку України до 15
вересня розробляє Основні засади грошово-кредитної політики і вносить їх
Верховній Раді України для інформування, здійснює контроль за виконанням
Основних засад грошово-кредитної політики;
§ здійснює аналіз впливу грошово-кредитної політики України на стан
соціально-економічного розвитку України та розробляє пропозиції щодо
внесення відповідних змін до неї;
§ затверджує Регламент Ради Національного банку України;
§ затверджує кошторис доходів та витрат Національного банку та подає
Верховній Раді України та Кабінету Міністрів України до 1 вересня
поточного року прогнозовані відомості про сальдо кошторису для включення
до проекту Державного бюджету України на наступний рік;
§ приймає рішення про збільшення розміру статутного капіталу
Національного банку;
§ визначає аудиторську компанію для проведення аудиторської перевірки
Національного банку, розглядає аудиторський висновок та затверджує
бухгалтерський баланс Національного банку, публікує в офіційних
друкованих засобах масової інформації щорічний баланс Національного
банку;
§ затверджує щорічно до 1 липня звіт про виконання кошторису
Національного банку та розподіл прибутку за звітний бюджетний рік;
§ затверджує рішення Правління Національного банку про участь у
міжнародних фінансових організаціях;
§ вносить рекомендації Правлінню Національного банку в межах розроблених
Основних засад грошово-кредитної політики стосовно:
§ методів та форм прогнозування макропоказників економічного і
соціального розвитку України, а також грошово-кредитної політики;
§ окремих заходів монетарного і регулятивного характеру та їх впливу на
економічний і соціальний розвиток України;
§ політики курсоутворення та валютного регулювання;
§ розвитку банківської системи та окремих нормативних актів з питань
банківської діяльності;
§ вдосконалення платіжної системи;
§ інших питань, віднесених законом до компетенції Ради Національного
банку;
§ вносить рекомендації Кабінету Міністрів України стосовно впливу
політики державних запозичень та податкової політики на стан
грошово-кредитної сфери України;
§ з метою забезпечення виконання Основних засад грошово-кредитної
політики має право застосування відкладального вето щодо рішень
Правління Національного банку з питань:
ь диверсифікації активів Національного банку та їх ліквідності;
ь лімітів позабалансових зобов’язань;
ь формування резервів, покриття фінансових ризиків;
ь порядку відрахувань доходів до Державного бюджету України;
ь мінімального розміру золотовалютних резервів;
ь з інших питань, віднесених до її компетенції.
Рада Національного банку не може надавати рекомендації щодо доцільності
призначення на посади чи звільнення з посад Голови Національного банку,
членів Правління Національного банку або давати персональну оцінку
діяльності окремих посадових осіб Національного банку[3].
Рада Національного банку дає оцінку діяльності Правління Національного
банку щодо виконання Основних засад грошово-кредитної політики та з
інших питань, рішення з яких є обов’язковими для Правління Національного
банку [1].
У разі неодноразового невиконання або неналежного виконання Правлінням
Національного банку рішень Ради Національного банку, які є обов’язковими
згідно з цим Законом, Рада Національного банку має право звернутися до
Голови Національного банку або до Верховної Ради України та Президента
України з викладенням своїх позицій.
Операції Національного банку України можуть бути розділені на дві групи:
пасивні – операції зі створення та залучення ресурсів та активні –
операції з розміщення створених і залучених ресурсів. Активні й пасивні
операції Національного банку відображаються в його балансі. Наведемо для
прикладу баланс НБУ станом на 1 січня 2003 року. Баланс НБУ наведено в
додатку Б.
З даних наведених в балансі НБУ, найбільш вагомими джерелами ресурсів є:
готівка в обігу – 48,3% пасивів; кошти Міжнародного Валютного Фонду –
34,8% пасивів; кошти банків та інших клієнтів – 9,9% пасивів; капітал і
резерви – 4,9% пасивів;
Розміщення ресурсів НБУ здійснювалось за такими основними напрямками:
розміщені кошти та депозити – 40,9% активів; надані кредити, всього
19,9% активів; вимоги до Міжнародного Валютного Фонду – 17,4% активів;
вкладення в цінні папери – 15,8% активів;
До основних пасивних операцій Національного банку України належать
залучення коштів від міжнародних фінансових організацій, емісія банкнот,
вклади банківських установ, формування капіталу і резервів.
Основними активними операціями є кредитування уряду та комерційних
банків, фінансування міжнародних фінансових організацій, інвестиції в
державні цінні папери.
Як уже було зазначено, банківська система України складається з двох
рівнів: перший представлений Національним банком, другий – комерційними
банками. Комерційні банки – кредитні установи, що здійснюють
універсальні банківські операції для підприємств, установ і населення
головним чином за рахунок грошових коштів, залучених у вигляді внесків і
депозитів. Комерційні банки здійснюють на договірних умовах кредитне,
розрахунково-касове та інше банківське обслуговування юридичних і
фізичних осіб. Приймають і розміщують грошові вклади своїх клієнтів,
ведуть рахунки банків-кореспондентів, а також можуть виконувати всі або
деякі з таких операцій:
Ш фінансування капітальних вкладень за дорученням власників або
розпорядників капіталів, що інвестується;
Ш випуск платіжних документів та інших цінних паперів (чеків,
акредитивів, векселів, акцій, сертифікатів, облігацій, тощо);
Ш купівля, продаж і зберігання державних цінних паперів, а також цінних
паперів інших емітентів;
Ш видача доручень, гарантій та інших зобов’язань за третіх осіб, які
передбачають Ії виконання у грошовій формі;
Ш касове виконання державного бюджету;
Ш придбання права вимоги з постачання товарів і надання послуг,
прийняття ризиків виконання таких вимог та їх інкасування (факторинг);
Ш купівля у підприємств і громадян та продаж їм іноземної валюти;
Ш купівля і продаж у держави і за кордоном дорогоцінних металів,
природних дорогоцінних каменів, а також виробів з них;
Ш довірчі операції (залучення і розміщення коштів; управління цінними
паперами тощо)за дорученням клієнтів;
Ш надання консультативних та інших послуг, пов’язаних із банківською та
іншою комерційною і господарською діяльністю.
Комерційним банкам України забороняється вести діяльність у сфері
матеріального виробництва і торгівлі матеріальними цінностями, а також
діяльністю з усіх видів страхування. Їм забороняється використовувати
свої союзи та інші об’єднання для досягнення згоди, спрямованої на
монополізацію ринку банківських послуг, установлення монопольних ставок
і комісійних винагород, обмеження конкуренції у банківській справі [8].
Класифікацію комерційних банків зображено на рисунку 1.2.
Рис. 1.2. Класифікація комерційних банків
Комерційні банки різних видів і форм власності можуть створюватись у
вигляді акціонерного товариства, товариства з обмеженою відповідальністю
або кооперативного банку. Учасниками банку можуть бути юридичні й
фізичні особи, резиденти та не резиденти, а також держава в особі
Кабінету Міністрів України або уповноважених ним органів.
Статутний фонд новостворюваного комерційного банку формується тільки за
рахунок власних коштів засновників у грошовій формі, що включає
можливість використовувати розподільний механізм для залучення бюджетних
і кредитних ресурсів у банківську власність. Розмір статутного фонду
визначається засновниками банку, але не може бути меншим за нормативні
вимоги НБУ. Ці вимоги спрямовані на те, щоб забезпечити певний рівень
надійності банку і його спроможності відповідати за своїми
зобов’язаннями.
Мінімальний розмір статутного капіталу на момент реєстрації банку не
може бути меншим:
Ш для місцевих кооперативних банків – 1 млн. євро;
Ш для комерційних банків, які здійснюють свою діяльність на території
однієї області, – 3 млн. євро;
Ш для банків, які здійснюють свою діяльність на території всієї України,
– 5 млн. євро.
Перерахування розміру статутного капіталу у гривні здійснюється за
офіційним курсом гривні до іноземних валют, установленим НБУ на день
укладання уставного договору.
Державна реєстрація банків здійснюється Національним банком України
відповідно до вимог цього Закону та нормативно-правових актів
Національного банку України.
Уповноважені засновниками банку особи подають Національному банку
України для державної реєстрації такі документи:
1. заяву про реєстрацію банку;
2. установчий договір (крім державного банку);
3. статут банку;
4. рішення про створення банку (протокол установчих зборів) або
Постанову Кабінету Міністрів України про створення державного банку;
5. бізнес-план, що визначає види діяльності, які банк планує здійснювати
на найближчий рік, та стратегію діяльності банку на найближчі три роки
згідно із встановленими Національним банком України вимогами;
6. інформацію про фінансовий стан учасників, які матимуть істотну участь
у банку. У разі коли засновником банку є юридична особа, надається
інформація про членів ради директорів і осіб, які мають істотну участь у
цій юридичній особі;
7. бухгалтерську і фінансову звітність за останні чотири звітних періоди
(квартали) – для учасників – юридичних осіб, які матимуть істотну участь
у банку, довідку Державної податкової адміністрації України про доходи
за останній звітний період (рік) – для учасників – фізичних осіб, які
матимуть істотну участь у банку;
8. відомості про кількісний склад спостережної ради, правління (ради
директорів), ревізійної комісії;
9. копію платіжного документа про внесення плати за реєстрацію банку, що
встановлюється Національним банком України;
10. нотаріально завірені копії установчих документів учасників, які є
юридичними особами та матимуть істотну участь у банку;
11. копії звіту про проведення відкритої підписки на акції – для банку,
який створюється у формі відкритого акціонерного товариства;
12. відомості про професійну придатність та ділову репутацію голови та
членів правління (ради директорів) і головного бухгалтера банку [2].
За станом на 1 січня 2005 року в Державному реєстрі банків значиться 182
банки, з них 160 банків мають ліцензію Національного банку України на
здійснення банківських операцій, у тому числі: 132 банки – акціонерні
товариства (з них: 92 – відкриті акціонерні товариства (2 банки –
державні), 40 – закриті акціонерні товариства), 28 банків – товариства з
обмеженою відповідальністю, 19 банків з іноземним капіталом в т. ч. 7
банків з 100% іноземним капіталом.
На підставі офіційних даних Національного банку України, розглянемо
кількісні зміни у складі банків за останні три роки. Кількісні зміни у
складі банків України зображено на рисунку 1.3.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Рис. 1.3. Кількість банків за реєстром
З діаграми 1.3. видно, що у 2002 та 2004 роках кількість банків в
Україні є однаковою (182), в 2003 році у порівнянні з 2002 і 2004 роками
кількість банків менша (179). В цілому можна зробити висновок, що
кількість банків в Україні залишається відносно сталою, що може свідчити
і про достатню насиченість банківськими послугами, і про недостатній
розвиток банківської справи та законодавства в цій сфері
Розподіл банків за організаційно-правовою формою наведено в таблиці 1.1
Таблиця 1.1
Аналіз банків за організаційно-правовою формою
ПоказникРоки200220032004- акціонерні товариства:136133132Відкриті949492у
тому числі державні222Закриті423940- товариства з обмеженою
відповідальністю202428- кооперативні1–
З даних наведених у таблиці 1.1, питому вагу займають акціонерні
товариства – 87% (2002р.), 85% (2003р.), 82% (2004р.), серед акціонерних
товариств найбільш поширені є відкриті акціонерні товариства 69%
(2002р.), 71% (2003р.), 70% (2004р.). Банків у формі товариства з
обмеженою відповідальністю за аналізуємий період збільшилось з 20
(2002р.) до 28 (2004р.). За три досліджуваних періоди існував лише один
кооперативний банк у 2002 році.
Кількість банків з іноземним капіталом зображено на рисунку 1.4.
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2d010000040000002d01060005000000010200000000050000000902ffffff0004000000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Рис.1.4. Кількість банків з іноземним капіталом
Кількість банків з іноземним капіталом за аналізуємий період залишається
практично не змінною. Кількість банків зі 100% іноземним капіталом не
змінювалася у період 2002-2004рр. і становить 7 банків. В основному
зазначені банки входять до 2-ї та 4-ї груп. Балансовий капітал банків з
іноземним капіталом становить 17,5% від балансового капіталу банківської
системи України, загальні активи – 15,6%, кредитний портфель – 16,7%.
Розподіл банків за регіонами наведено в додатку В. Здійснивши аналіз
даних додатку В можна зробити висновок, що найбільша концентрація банків
зосереджена в м. Києві – 85 (2002р.), 83 (2003р.), 89 (2004р.). Що
стосується інших областей України, то тут лідерами є Дніпропетровська,
Харківська, Одеська та Донецька області, тому що в даних областях
кількість банків приблизно однакова і знаходиться в межах від 9 до 13
банків. Є області в яких не існує жодного банку: Вінницька, Житомирська,
Київська, Кіровоградська, Миколаївська, Рівненська, Тернопільська,
Херсонська, Хмельницька, Черкаська.
Особливість діяльності ВАТ «Державний ощадний банк України»:
Виникнення перших ощадних структур на території України датоване другою
половиною ХVІІІ століття в Галичині. Подальшого розвитку система набула
за часів царської Росії, Австро-Угорської імперії, Польщі і в радянській
період.
У 1991 році Україна виходить зі складу Радянського Союзу і проголошує
свою незалежність. З проголошенням Ощадним банком України самостійності
і відокремленням від Ощадбанку СРСР мали місце негативні явища. Залишки
на вкладах, цінних паперах і страхових полісах населення України
залишилися в Росії, а у новоствореного банку виник автоматично
внутрішній борг, що з часом збільшувався [5].
Після прийняття 20 березня 1991 року Закону України «Про банки та
банківську діяльність» Ощадний банк України набув спеціального статусу.
31 грудня 1991 року Ощадбанк зареєстровано як самостійну банківську
установу в Національному банку України – «Державний спеціалізований
комерційний ощадний банк України».
В умовах економічної кризи, що охопила всі сфери життєдіяльності
суспільства, Ощадбанк проявив гнучкість та належну керованість
процесами. Завдяки розвинутій мережі установ та кваліфікованим кадрам
банк успішно виконав свої зобов’язання у державній приватизаційній
програмі, провів обмін грошових знаків.
Враховуючи українську перспективу – масову приватизацію та розвиток
малого бізнесу, Ощадбанк активно сприяє своїм клієнтам у їх діяльності
як приватних власників та підприємців.
Державний ощадний банк України – один з найбільших банків нашої країни.
Мережа його підрозділів складає 25 регіональних управлінь, 441
відділення та 7416 філій, охоплюючи всі куточки країни.
Центральний апарат банку знаходиться в м. Києві. Ощадний банк – велике
підприємство, де зайнято близько 35 тис. працівників.
Ощадбанк контролює значну частину ринку особистих вкладів населення,
оперує більш як 90 мільйонами рахунків. Банк має тісні зв’язки з
іноземними банками в багатьох країнах світу. Вже не один рік Ощадбанк
підтримує добрі відносини з німецькими ощадкасами, які мають
багаторічний досвід ощадної справи, а також Фондом міжнародного
співробітництва, Комітетом TACIS Європейської Комісії. На правах
членства банк входить до всесвітньо відомих організацій Visa
International, Europay International. Ощадбанком встановлено прямі
кореспондентські відносини з провідними іноземними банками [6].
З метою вдосконалення структури й організації управління Державним
спеціалізованим комерційним Ощадбанком України та для створення умов для
більш ефективної реалізації державою прав власника постановою Кабінету
Міністрів України від 21 травня 1999 року Ощадний банк перетворено у
відкрите акціонерне товариство «Державний ощадний банк України».
Ощадний банк – єдиний серед українських банків, який має закріплену
законом державну гарантію збереження вкладів громадян та їх видачі за
першою вимогою.
Організаційна структура Ощадбанку наведена в додатку Г.
Система управління Ощадбанком побудована за
адміністративно-територіальним принципом так, щоб у кожному
адміністративному центрі держави була установа Ощадбанку.
Ощадбанк охоплює територію всієї країни, надаючи різноманітні послуги її
населенню. Це дає можливість концентрувати зусилля та кошти банку на
ключових напрямках у межах системи, використовуючи коливання кон’юнктури
в своїх інтересах та інтересах клієнтів.
Система складається з установ 4-х рівнів, загальну діяльність яких
координує Спостережна Рада [5].
Економічна основа грошових заощаджень – відкладання на певний час грошей
після задоволення невідкладних потреб населення. При стабільній
економічно-фінансовій ситуації в країні ці кошти осідають на рахунках у
банках і тільки частина – у готівковій формі населення.
До фінансових ресурсів банку входять сукупність грошових коштів, які
перебувають у його розпорядженні на певну дату.
Аналіз пасивів Ощадбанку показує, що статутний капітал банку станом на
01.01.2005р. складає 301 млн.грн. і за цим показником банк перебуває на
7 місці серед банків України. Резервний фонд створено в сумі 11 млн.грн.
станом на 01.01.2005р. Власні кошти банку на кінець 2004 року становили
376 млн.грн.
Структура активів балансу Ощадбанку України наведена на рисунку 1.6.
picscalex76010009000003843d000009001610000000001610000026060f002220574d4
6430100000000000100e7d7000000000300000000200000ac310000ac510000010000006
c0000000500000005000000da010000140100000000000000000000983a00004d2200002
0454d4600000100ac5100003b03000005000000000000000000000000000000000400000
003000040010000f000000000000000000000000000000000e2040080a90300460000002
c00000020000000454d462b014001001c000000100000000210c0db01000000600000006
0000000460000005c00000050000000454d462b224004000c000000000000001e4009000
c00000000000000244001000c000000000000003040020010000000040000000000803f2
14007000c00000000000000044000000c00000000000000180000000c000000000000001
90000000c000000ffffff00140000000c0000000d000000120000000c000000020000002
100000008000000220000000c000000ffffffff2100000008000000220000000c000000f
fffffff0a0000001000000000000000000000002100000008000000190000000c000000f
fffff00180000000c00000000000000140000000c0000000d000000300000000c0000000
f000080260000001c0000000100000000000000010000000000000000000000250000000
c0000000100000027000000180000000200000000000000ffffff0000000000250000000
c00000002000000250000000c00000007000080250000000c00000000000080220000000
c000000ffffffff0a0000001000000000000000000000002100000008000000250000000
c00000002000000250000000c00000001000000190000000c000000ffffff00180000000
c00000000000000250000000c00000007000080250000000c00000000000080220000000
c000000ffffffff0a0000001000000000000000000000002100000008000000250000000
c00000002000000250000000c00000001000000190000000c000000ffffff00180000000
c00000000000000250000000c00000007000080250000000c00000000000080220000000
c000000ffffffff2100000008000000250000000c00000002000000250000000c0000000
1000000190000000c000000ffffff00180000000c000000000000001e000000180000000
000000000000000e001000019010000520000007001000003000000f3ffffff000000000
00000000000000090010000000000cc0000000041007200690061006c002000430079007
200000000000000000000000000000000000000000000000000000000000000000000000
0000000000000000000000000000030f8df1300f8dc1300100000000d000000030000000
3000000000069017af7ca3021008a010d00000021008a01d0de1300da9a0030fc4e69015
4df130014000000289f003054df1300fc4e6901140000004edb003054df1300fc4e69010
a000000d803690104e113006adc0030449ddc30000000007c09290108eb1300000000000
000000000000000000000000000000000000000000000000000000000000000000000000
0000000000000000000a800000000000000000000000000000000000000000089a401300
000000000000000000000000000000077070adc0000000021008a0177070adcb0060122f
c4e690100000000ffffffff000000006476000800000000250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
50000000c00000003000000250000000c0000000d000080250000000c000000030000002
50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802
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000
Рис. 1.6. Структура активів балансу Ощадбанку України (на 1 січня 2005
року)
У пасиві балансу левова частка залучених коштів припадає на заощадження
громадян. Структура пасивів балансу Ощадбанку України наведена на
рисунку 1.7.
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100040000002d010700f800000024037a0044017700440178004301790043017a0042017
c0041017d0040017e003f017f003d0180003b01810039018200370182003501830032018
400300185002d0186002a0186002701870023018800200188001d01890019018a0015018
a0011018a000e018b000a018b0006018b0002018b00fd008c00f9008c00f5008c00f1008
c00ed008c00e9008b00e5008b00e1008b00dd008b00d9008a00d5008a00d2008a00ce008
900ca008800c7008800c4008700c1008600be008600bb008500b8008400b6008300b3008
200b1008200af008100ae008000ac007f00ab007e00a9007d00a8007c00a8007a00a7007
900a7007800a7007700a7008d00a7008e00a7008f00a8009000a8009200a9009300ab009
400ac009500ae009600af009700b1009800b3009800b6009900b8009a00bb009b00be009
c00c1009c00c4009d00c7009e00ca009e00ce009f00d200a000d500a000d900a000dd00a
100e100a100e500a100e900a100ed00a200f100a200f500a200f900a200fd00a2000201a
1000601a1000a01a1000e01a1001101a0001501a0001901a0001d019f0020019e0023019
e0027019d002a019c002d019c0030019b0032019a003501990037019800390198003b019
7003d0196003f0195004001940041019300420192004301900043018f0044018e0044018
d00040000002d0101000400000006010100040000002d01000004000000f001080004000
0002701ffff040000002701ffff040000002d010600fa00000024037b004401770044017
8004301790043017a0042017c0041017d0040017e003f017f003d0180003b01810039018
200370182003501830032018400300185002d0186002a018600270187002301880020018
8001d01890019018a0015018a0011018a000e018b000a018b0006018b0002018b00fd008
c00f9008c00f5008c00f1008c00ed008c00e9008b00e5008b00e1008b00dd008b00d9008
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000d500a000d900a000dd00a100e100a100e500a100e900a100ed00a200f100a200f500a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40000002701ffff040000002d010600e200000024036f00f5006300f9006300fd0063000
2016300060163000a0163000e0164001101640015016500190165001d016500200166002
3016700270167002a0168002d01690030016a0032016a0035016b0037016c0039016d003
b016e003d016f003f0170004001710041017200420173004301740043017500440176004
4017700440178004301790043017a0042017c0041017d0040017e003f017f003d0180003
b01810039018200370182003501830032018400300185002d0186002a018600270187002
3018800200188001d01890019018a0015018a0011018a000e018b000a018b0006018b000
2018b00fd008c00f9008c00f5008c00f1008c00ed008c00e9008b00e5008b00e1008b00d
d008b00d9008a00d5008a00d2008a00ce008900ca008800c7008800c4008700c1008600b
e008600bb008500b8008400b6008300b3008200b1008200af008100ae008000ac007f00a
b007e00a9007d00a8007c00a8007a00a7007900a7007800a7007700a7007600a7007500a
8007400a8007300a9007200ab007100ac007000ae006f00af006e00b1006d00b3006c00b
6006b00b8006a00bb006a00be006900c1006800c4006700c7006700f5007700f50063000
40000002d01000008000000fa0200000000000000000000040000002d01080004000000f
0010100050000001402cb002701050000000102ffffff00050000001302cb00220105000
0001302a0000d01040000002d010200040000002d010300040000002d010500040000002
701ffff030000001e00040000002d010400040000002d010000040000002d01080005000
0000102ffffff00050000000902ffffff00040000002c0100000700000016040501ec010
0000000040000002d010200040000002d010300040000002d010500040000002701ffff0
30000001e00040000002d010400040000002d010000040000002d010800050000000102f
fffff00050000000902ffffff00040000002c0100000700000016040501ec01000000000
40000002d010500040000002d010400040000002d010500040000002d010400040000002
d010500040000002d010400040000002d010500040000002d010400040000002d0105000
40000002d010400040000002d010500040000002d010400040000002d010200040000002
d010300040000002d010500040000002701ffff030000001e00040000002d01040004000
0002d010000040000002d010800050000000102ffffff00050000000902ffffff0004000
0002c010000070000001604430017010a00c600050000000902000000000400000004010
d0004000000020101000f000000320a0d00e30005000000b2edf8b320e8030007000b000
300040019000000320a1e00c8000c000000e7eee1eee227ffe7e0ededff0600070007000
700070002000700060007000700070007000a000000320a2f00e50002000000312507000
c00040000002d010500040000002d010400040000002d010200040000002d01030004000
0002d010500040000002701ffff030000001e00040000002d010400040000002d0100000
40000002d010800050000000102ffffff0005000000090200000000040000002c0100000
700000016040501ec0100000000040000002d010500040000002d010400040000002d010
500040000002d010400040000002d010500040000002d010400040000002d01050004000
0002d010400040000002d010500040000002d010400040000002d010500040000002d010
400040000002d010500040000002d010400040000002d010200040000002d01030004000
0002d010500040000002701ffff030000001e00040000002d010400040000002d0100000
40000002d010800050000000102ffffff0005000000090200000000040000002c0100000
7000000160458007d010e0035010400000004010d00040000000201010018000000320a1
10037010b000000cde0f0e0f5eee2e0edb320ff090007000700070007000700070007000
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2e80700070007000700050007000a000000320a4400500102000000322507000c0004000
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d010400040000002d010500040000002d010400040000002d010500040000002d0104000
40000002d010500040000002d010400040000002d010200040000002d010300040000002
d010500040000002701ffff030000001e00040000002d010400040000002d01000004000
0002d010800050000000102ffffff0005000000090200000000040000002c01000007000
0001604df008201b70027010400000004010d0004000000020101001c000000320aba002
9010e000000caeef8f2e820eaebb3baedf2b3e2080007000b00050007000400060007000
300070007000500030007000c000000320acb0048010300000038392500070007000c000
40000002d010500040000002d010400040000002d010200040000002d010300040000002
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0002d010800050000000102ffffff0005000000090200000000040000002c01000007000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0000000
Рис. 1.7. Структура пасивів балансу Ощадбанку України (на 1 січня 2005
року)
Динаміку основних показників Ощадбанку України наведено таблиці 1.2
Таблиця 1.2
Основні показники діяльності Ощадбанку України за період 2002-2004рр.
тис.грн.
№ п/пПоказникиРоки2002200320041Грошові кошти, кошти в НБУ та на
коррахунках в інших банках867 6241 586 7891 083 8482Інші активи11 29668
631130 6823Основні засоби та нематеріальні активи440 091459 857492
2064Кошти клієнтів 3 629 8155 210 0474 250 0155Кошти банків42 153 63
180375 8776Нараховані витрати до сплати65 04570 09079 251 7Процентний
дохід 394 354310 578531 2968Комісійні доходи219 447230 086290 1969Чистий
прибуток1 8042 7881 396
Згідно аналізу, проведеного на підставі таблиці 1.2, чистий прибуток
ощадбанку у 2004 році був найменший по всіх досліджуваних роках: у 2 та
1,5 разів менше ніж 2003 та2004 роках відповідно. Проте процентний дохід
у 2004році збільшився на 71,1%, а комісійний – на 26,1%. Поступово
зростали і витрати Ощадбанку: на 7,8 та 13,1% відповідно у 2003 та 2004
роках. Значно збільшилась (у 1,5 та 5,9 разів у 2003 та 2004 рр.) сума
коштів, отриманих від інших банків. Кошти, що були залучені від клієнтів
Ощадбанку, грошові кошти, кошти в НБУ та на коррахунках в інших банках
мали таку динаміку: у 2003 році порівняно з 2002 роком сума коштів від
клієнтів збільшилась на 43,6%, грошові кошти, кошти в НБУ та на
коррахунках в інших банках – на 82,9%, а у 2004 році зменшилась на 22,6
та 46,4% у порівнянні з 2003 роком. Інші активи, основні засоби та
нематеріальні активи мали позитивну тенденцію до зростання по всіх
досліджуваних роках.
1.2. Формування ресурсів банківської системи
Складовою частиною банківських ресурсів є власні кошти або капітал, що
відіграє неабияку роль у зміцненні довіри клієнтів як до окремого банку,
так і до банківської системи в цілому. Залучені ресурси можуть
формуватися банком шляхом залучення, позичення або проведення
рефінансування. Джерела формування ресурсів банківської системи
поділяються на депозитні та не депозитні. До депозитних джерел
відносять: залишки на поточних рахунках, кошти на вкладних рахунках. До
не депозитних: кошти кредиторів (кредити від фінансових організацій та
банків), кошти від реалізації цінних паперів власного боргу, кошти від
проведення операцій з наявними активами (операції РЕПО, сек’ютеризація
активів, продаж позик або кредитів).
Структура капіталу банківської системи України наведена в таблиці 1.3
Таблиця 1.3
Структура капіталу банківської системи України тис. грн.
№ п/пПоказникиРоки200220032004123451Статутний капітал5 998 1208 116
11111 648 3382Капіталізовані дивіденди36 66826 0002 0003Акції, що
викуплені у акціонерів41 75026 53044 9524Емісійні різниці264 850285
951417 3425Резерви та фонди банку685 4581 367 3431 839 5906Результати
переоцінки790 2861 224 0072 035 8287Прибуток звітного року, що очікує
затвердження 684 515899 3291 263 7598Усього власного капіталу708 952
65312 881 87818 421 431
У структурі капіталу всієї банківської системи головне місце належить
статутному капіталу на 01.01.05 – 63%, результати переоцінки на 01.01.05
становлять 11%. Резерви та фонди банку зросли у 2003 році 50%, а в 2004
році збільшились на 25% у порівнянні з 2003 роком. Банки все більше
використовують переоцінку основних засобів і нематеріальних активів, їх
величина збільшилась з 790 млн.грн. (2002р.) до 2 млрд.грн. (2004р.).
Загалом статутний капітал зростав з 5998 млн.грн. (2002р.) до 11648
млн.грн. (2004р.). З 2002 по 2004 роки прибуток, що очікує затвердження
зріс практично вдвічі з 684 млн.грн. до 1,2 млрд.грн.
Банки двох перших груп нарощують капітал за рахунок усіх його складових.
Капітал банків 3 та 4 групи зростає нижчими темпами, що свідчить про
зменшення питомої ваги капіталу цих груп в загальному розмірі капіталу
банківської системи. При цьому зменшення частки капіталу банків 3 групи
в деякій мірі пояснюється зменшенням кількості банків на 3. В 4 групі
кількість банків зросла з 99 до 105, але багато банків працюють
збитково.
Отже, протягом 2004 року мала місце тенденція до підвищення рівня
капіталізації банків.
Поліпшилась й структура за розміром регулятивного капіталу. Кількість
банків, регулятивний капітал яких перевищує 10 млн.євро збільшилась з 45
до 59, водночас кількість банків, регулятивний капітал яких не досягав 3
млн.євро зменшилась з 4 до 1.
Динаміка змін статутного капіталу банківської системи зображена на
рисунку 1.8.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80004000000f0010700040000002701ffff040000002701ffff040000002d0108000e000
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0001e00030000001e00040000002c0100002d00000042010500000028000000080000000
800000001000100000000002000000000000000000000000000000000000000ffffff000
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40000002d010700040000002d0100000e00000024030500aa006c00aa00b600d200b600d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000bfbfbf000000000022000000880000002200000088000000220000008800000022000
00088000000040000002d0101000400000006010100040000002d0100000c00000024030
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0002d01070004000000f0010100040000002701ffff040000002701ffff040000002d010
8000e0000002403050034015200410148001a0148000d01520034015200040000002d010
70008000000fa0200000100000000000000040000002d01010004000000f001090003000
0001e00030000001e00040000002c0100002d00000042010500000028000000080000000
800000001000100000000002000000000000000000000000000000000000000808080000
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4000000f0010900040000002701ffff040000002701ffff040000002d0108000e0000002
40305009601b60096012700a4011c00a401ac009601b600040000002d010700030000001
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000220000008800000022000000880000002200000088000000220000008800000004000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300050000001302740080000500000014025b0083000500000013025b008000050000001
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70007000f000000320a3b005b00050000003130303030f0070007000700070007000f000
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8000b010400000004010d0004000000020101000c000000320adb000d0103000000f0b3e
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40000002701ffff030000001e00040000002d010500040000002d010100050000000102f
fffff0005000000090200000000040000002c0100000700000016040101e701000000000
40000002d010200040000002d010600040000002701ffff030000001e00040000002d010
500040000002d010100050000000102ffffff0005000000090200000000040000002c010
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d01090004000000f0010100040000002d010800050000000902ffffff000500000001020
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Рис.1.8. Динаміка змін статутного капіталу банківської системи України
Балансовий капітал банків за 2004 рік збільшився на 43,0% (за 2003 рік —
на 29,0%) і на 01.01.2005 р. становив 18421,4 млн.грн. Структура його
розподілу за групами банків практично не змінилася: на І групу припадало
41,6% від загального обсягу балансового капіталу, на II — 16,6; Ш —
16,8; IV — 25,0%. Збільшення зазначеного показника відбулося за рахунок
зростання статутного капіталу (на 3 489,8 млн.грн. або на 43,0%),
результату переоцінки основних засобів і нематеріальних активів та
інвестицій в асоційовані й дочірні компанії (на 811,8 млн.грн. або на
66,3%), загальних резервів та інших фондів банку (на 459,1 млн.грн. або
на 34,5%), емісійних різниць (на 131,4 млн.грн. або на 45,9%).
Середній розмір статутного капіталу банків за регіонами наведено в
додатку Д.
Структура зобов’язань комерційних банків України наведена в таблиці1.4.
Таблиця 1.4
Структура зобов’язань комерційних банків України станом на
01.01.2005 року, тис.грн.
№ п/пПоказникГрупа 1Група 2Група 3Група 4Всього 12345671Зобов’язання
усього6369639621185341186788211236591711592644912345672Кошти
банків10365142369238243364201956573203505173У тому числі кредити, які
отримані від НБУ291570841243420483814896836819484Кошти
клієнтів5127699716744590132398519673183909346215Ощадні (депозитні)
сертифікати, емітовані банком17048226790205382750274776816Боргові цінні
папери, емітовані банком135915283866273169501496527Нараховані витрати до
сплати 5344582038291370281239389992538Інші
зобов’язання13356994649126938675202463014725
У структурі зобов’язань комерційних банків найбільша питома вага,
припадає на кошти клієнтів – 76% від загальної суми зобов’язань або
90934621тис.грн. Це пояснюється тим, що головним чином, увесь
безготівковий обіг в народному господарстві концентрується на рахунках
підприємств та організацій. Юридичні особи, згідно із законодавством
України, повинні зберігати свої кошти на банківських рахунках.
На другому місці у структурі зобов’язань комерційних банків знаходяться
кошти банків – 20350517 тис.грн. чи 17%.
Це дві найвагоміші статті зобов’язань. Інші займають у сукупності 7 %
(3,08% складають кредити отримані від НБУ, 2,52% – інші зобов’язання,
0,84%-нараховані витрати до сплати, 0,40% – ощадні (депозитні)
сертифікати, емітовані банком, 0,13% – боргові цінні папери, емітовані
банком).
Структура зобов’язань комерційних банків України станом на 01.01.2005
року зображено на рисунку 1.9.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0000000000000000000000000000030f8df1300f8dc1300120000000f000000030000000
200000000001f027af7ca3021008a010f00000021008a01d0de1300da9a0030fc631f025
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a000000444f1f0204e113006adc0030449ddc3000000000340fe80108eb1300000000000
000000000000000000000000000000000000000000000000000000000000000000000000
0000000000000000000a800000000000000000000000000000000000000000089a401300
0000000000000000000000000000000d3050aa60000000021008a01d3050aa66105010af
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50000000c0000000d000080250000000c00000003000000250000000c0000000d0000802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50000000c00000003000000250000000c0000000d000080250000000c000000030000002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50000000c00000004000000280000000c000000010000002700000018000000010000000
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1000000250000000c00000004000000190000000c00000000000000180000000c000000f
fffff001e0000001800000005000000050000003102000066010000260000001c0000000
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00000000000803d0000000000000000020000005e0000007400000004000000000000002
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0000000000000000800000000000000000000000000000080000000250000000c0000000
4000000130000000c00000001000000250000000c00000008000080560000003c0000000
9010000890000001a010000a50000000800000090109008d0109008f0109008301190084
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1000000250000000c0000000100000024000000240000000000804100000000000000000
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fffffff460000001c00000010000000454d462b044000000c00000000000000220000000
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a010000a500000009000000090189000d0189000f0189001301890014018900180189001
a0189001a01a50009018900250000000c00000001000000260000001c000000040000000
0000000000000000000000000000000250000000c00000004000000280000000c0000000
20000001b00000010000000ed0000002e000000190000000c000000ffffff00360000001
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fffffff08400203480000003c0000000210c0db050000000000000000c08143008009430
0c082430080094300c083430080094300c084430080094300408d4300802543000101018
1010181144002001000000004000000000000002100000008000000620000000c0000000
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00000000000803d0000000000000000020000005e0000007400000004000000000000002
400000030000000540000002000000000000000280000000800000008000000010001000
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0000000000000000800000000000000000000000000000080000000250000000c0000000
4000000130000000c00000001000000250000000c0000000800008056000000300000000
3010000890000001a010000a50000000500000030109008501090087010900890109008a
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100000024000000240000000000804100000000000000000000804100000000000000000
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60000001c0000000400000000000000000000000000000000000000250000000c0000000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Рис. 1.9. Структура зобов’язань комерційних банків України станом на
01.01.2005
Динаміка змін зобов’язань банківської системи України за останні 3 роки
зображена на рисунку 1.10.
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0002c0100002d00000042010500000028000000080000000800000001000100000000002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101e70100000000040000002d010200040000002d010600040000002701ffff030000001
e00040000002d010500040000002d010100050000000102ffffff0005000000090200000
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d010600040000002701ffff030000001e00040000002d010500040000002d01010005000
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400000002010200070000001b04fd00e20105000500040000002d010700040000002d010
20004000000f0010900040000002d010600040000002701ffff030000001e00050000000
10200000000050000000902ffffff00040000002c0100000700000016040101e70100000
000040000002701ffff030000001e0005000000010200000000050000000902ffffff000
40000002701ffff030000001e0005000000010200000000050000000902ffffff0005000
0000902ffffff0005000000010200000000040000002d010700040000002d01060004000
0002701ffff030000001e000c00000040092900aa000000000000009900fa001d00ae000
40000002701ffff030000000000
Рис.1.10. Динаміка змін зобов’язань банківської системи України
З рисунку 1.10. видно, що зобов’язання банківської системи зростають з
кожним роком у 2002 році вони становили 53912 млн.грн., у 2003 році
зобов’язання банківської системи збільшились на 62% у порівняні з 2002
роком, а в 2004 році у порівнянні з 2003 р. зобов’язання зросли на 33%
або на 28574 млн.грн., і на 01.01.2005 становлять 115 926 млн.грн.
Кошти, які громадяни вкладають до банківських установ – це їхні
заощадження, тобто частина доходу, яка не використовується для придбання
товарів і послуг та сплати податків. Вклади можуть здійснюватись як у
національній, так і в іноземній валюті. Основні тенденції розвитку ринку
вкладів населення за видами валют представлені в таблиці 1.5.
Таблиця 1.5
Кошти населення у комерційних банках України за 2003-2004 рр.
На кінець періодуУ національній
валютіВ іноземній
валютіРазоммлн.грн.%млн.грн.%млн.грн.%200225636681207932377151002003417
946819571326136510020045275964302003682959100
З таблиці 1.5 можна побачити, що за період 2002-2003 роки частка коштів
у іноземній валюті становила 32% від усіх вкладів населення. У 2004 році
частка коштів у національній валюті зменшилась на 2% у порівнянні з 2003
роком і склала 64% від усіх вкладів населення. Можна зробити висновок,
що більша частина вкладів населення в банківській системі зберігається в
національній валюті. Це свідчить про зростання довіри населення до
національної валюти.
Вклади населення у комерційних банках в національній валюті представлено
в таблиці 1.6.
Таблиця 1.6
Вклади населення у комерційних банках за 2002-2004 рр. в національній
валюті
На кінець періодуДо
запитанняСтроковіРазоммлн.грн.%млн.грн.%млн.грн.%20021388054117654625636
1002003201094821685524179410020042576549269945152759100
Як бачимо з таблиці 1.6, у 2002 році депозити до запитання переважали
строкові вклади і становили відповідно 54% – до запитання та 46% –
строкові. За період 2003-2004 роки, частка строкових депозитів
перевищувала вклади до запитання (2003рік: вклади до запитання – 48%,
строкові – 52%; 2004рік: вклади до запитання – 49%, строкові – 51%). Це
пояснюється тим, що лише вони приносять дохід, який покриває витрати
спричинені інфляцією, а також про зростання довіри населення до
національної валюти.
Коштів, що залучені банками від юридичних і фізичних осіб представлені в
таблиці 1.7.
Таблиця 1.7
Кошти, залучені банками від фізичних та юридичних осіб
ПеріодКошти фізичних осіб, млн. грн.Кошти юридичних осіб, млн. грн.до
запитаннястроковіусьогодо
запитаннястроковіусього2002496214125190871354261611970320037262248613212
31759610391279872004101123422642369260701475440824
З таблиці 1.7 видно, що в 2002 році від юридичних осіб було залучено
коштів більше на 616 тис. грн. ніж від фізичних, у 2003 та у 2004 роках
вклади фізичних осіб перевищували кошти від юридичних осіб на 4136 та
1545 млн. грн. відповідно.
Серед вкладів фізичних осіб переважають строкові вклади: у 2002, 2003 та
2004 роках сума коштів по строковим вкладам перевищувала суму коштів по
вкладам до запитання на 84,2, 42,3 та 38,5% відповідно.
У випадку з коштами від юридичних осіб склалася протилежна ситуація:
кошти до запитання перевищують строкові кошти на 119,8, 69, 3 та 76,7% у
2002, 2003 та 2004 роках відповідно.
Для формування банківських ресурсів також використовуються
міжбанківський кредит – це форма кредитування банками один одного;
джерело додаткових ресурсів, що надається на невеликий строк для
підтримки поточної ліквідності та розширення обсягу активних операцій.
Проте частка міжбанківських кредитів як одного з найбільш дорогих видів
ресурсів у ресурсній базі банку не повинна перевищувати 20%, щоб не
призвести банк до залежності від ситуації на грошовому ринку.
Динаміка використання не депозитних джерел у формуванні ресурсів банків
представлена в таблиці 1.8.
Таблиця 1.8
Використання банками міжбанківського кредиту та емісія цінних паперів
власного боргу
ПеріодМіжбанківські кредитиЕмісія цінних паперів власного боргумлн.
грн.частка у структурі
зобов’язаньмлн. грн.частка у структурі
зобов’язань200210919,513,9743,31,4200316317,216,1219,70,9200420350,516,6
149,70,2
З таблиці 1.8 можна зробити висновок, що частка міжбанківських кредитів
у загальній структурі зобов’язань по всіх досліджуваних роках є
оптимальною (13,9, 16,1 та 16,6% відповідно у 2002, 2003 та 2004 роках).
У 2004 році сума міжбанківських кредитів порівняно з 2002 роком зросла
майже у 2 рази. Це свідчить про інтенсивний розвиток взаємовідносин між
банками. Процес емісії цінних паперів власного боргу дещо призупинився
на кінець 2004року і становить 149,7млн.грн.
Середньорічні процентні ставки за депозитами у банківській системі
України за останні три роки практично не змінились і становлять 7,4% за
2002рік, 6,8% за 2003 рік, 7,4% за 2004 рік.
Динаміка змін середньорічних процентних ставок за депозитами у
національній валюті наведена на рисунку 1.11.
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50000000c00000001000000250000000c00000005000000190000000c000000000000001
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20000000c000000ffffffff460000001c00000010000000454d462b044000000c0000000
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Рис. 1.11. Динаміка змін середньорічних процентних ставок за депозитами
у національній валюті
Аналіз, проведений на підставі даних рисунку 1.11, свідчить про значні
(на 0,7 в. п. знизилась у 2003 році та 0,7 в. п. зросла у 2004 році)
зміни середньорічних процентних ставок за депозитами в національній
валюті.
1.3. Розміщення ресурсів банків України
Структуру активів банківської системи України станом на 01.01.2005
зображено на рисунку 1.12.
picscalex750100090000037048000009001610000000001610000026060f002220574d4
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Рис.1.12. Структуру активів банківської системи України станом на
01.01.2005
З рисунку 1.12 видно, що серед активів банківської системи України
основне місце займають кредити та заборгованість клієнтів 63%. На
другому місці кошти в інших банках 14%. Інші статті активів займають у
сукупності 23%.
Динаміку змін активів банківської системи за останні три роки зображено
на рисунку 1.13.
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Рис.1.13. Динаміка змін активів банківської системи України
З рисунку 1.13. можна зробити висновок, що за останні три роки
спостерігається тенденція до збільшення розміру активів банківської
системи. Розмір активів у 2004 році виріс на 34% у порівнянні з 2003
роком і становить 134348млн.грн.
Динаміка змін обсягів кредитів банківської системи наведена на
рисунку1.14.
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500040000002d010600040000002d010500040000002d010600040000002d01050004000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Рис.1.14. Динаміка змін обсягів кредитів банківської системи України
З рисунку 1.14 видно, що обсяги кредитів банківської системи за останні
три роки зросли практично в двічі з 46735млн.грн. в 2002 році до
87519млн.грн. в 2004 році. Це свідчить про те що банківська система з
кожним роком все більше здійснює кредитування економіки країни.
На ринку банківського кредитування більш ніж 50% кредитних вкладень у
економіку здійснюється банками що входять до першої групи. Саме ці
банківські установи мають найбільші можливості кредитувати великі
проекти і відіграють ключову роль у соціально-економічному розвитку
України. Банками-лідерами даного ринку є ПриватБанк, Аваль,
Промінвестбанк, Ощадбанк, Укрсоцбанк і т.д.
За розміром активів банки поділяють на чотири групи:
§ I (активи банку перевищують 2,5 млрд. грн.);
§ II (активи – понад 1,3 млрд. грн.);
§ III (активи – понад 0,4 млрд. грн.);
§ IV (активи – менше 0,4 млрд. грн.).
Структура активів банківської системи України представлена в таблиці1.9.
Таблиця 1.9
Структура активів банківської системи України станом на 01.01.05.
млн. грн.
№ п/пПоказникГрупа банківІІІІІІІV1Кредити та заборгованість
клієнтів478901494613823108602Основні засоби та нематеріальні
активи49351144123014353Інші активи14572773923094Нараховані доходи до
отримання7761892302265Кошти в інших банках80465092385923626Загальні
активи71351242512177316968
Зробивши порівняльний аналіз структури активів за групами банків на
основі даних таблиці 1.9, можна стверджувати, що питому вагу (48,9% у
банках першої групи, 62,3% – другої, 57,5% – третьої, 56,2% – четвертої)
серед загальної суми активів по всім групам банків займають кредити та
заборгованість клієнтів. Також вагоме місце (приблизно 16%) в структурі
активів банківської системи України належать коштам в інших банках. У
банках першої групи досить велика сума нарахованих доходів до отримання,
інших активів, основних засобів та нематеріальних активів.
Середньорічні процентні ставки за кредитами в банківській системі
України наведені в таблиці 1.10.
Таблиця 1.10
Середньорічні процентні ставки за кредитами за період 2002-2004 рр.
ПеріодКредитиз урахуванням овердрафтуУсьогов національній валютів
іноземній валюті 200220.824.811.9200317.520.211.6200415.217.912.3
З таблиці 1.10 видно що за аналізуємий період процентні ставки знизились
з 20,8% в 2002 році до 15,2% в 2004 році.
Щодо кредитів що надаються в національній валюті, то середньорічні
проценті ставки знизились з 24,8% у 2002 році до 17,9% в 2004 році.
Ситуація з кредитами в іноземній валюті дещо інша: у 2004 році вони
виросли на 3% в порівнянні з 2002 роком і становлять 12,3%.
1.4. Фінансові результати діяльності банківської системи
Структура доходів банківської системи України представлена в таблиці
1.11
Таблиця 1.11
Структура доходів банківської системи України за період 2002-2004 рр.
млн. грн.
№ п/пПоказникРоки2002200320041Чистий комісійних дохід2599307941142Чистий
процентний дохід6901457657803Чистий торговельний дохід66958110624Інший
операційний дохід6312311745Непередбачувані
доходи/витрати0,9760,0150,0926Загальний дохід10233835912130
Проаналізувавши дані таблиці 1.11 можна стверджувати, що помітне
збільшення (на 45,1%) загального доходу в 2004 році відбулося в
основному за рахунок зростання чистого торгівельного доходу – на 82,8%
(у 2003 році зменшився на 15,1%), процентного доходу – на 26,3% (у 2003
році зменшився на 50,8%), комісійного доходу – на 33,6% (у 2003 році на
– 18,5%) та іншого операційного доходу – у 9,5 разів (у 2003 році – у 2
рази). Проте непередбачувані доходи дещо зменшувались з кожним
досліджуваним роком.
Структура витрат банківської системи України представлена в таблиці 1.12
Таблиця 1.12
Структура витрат банківської системи України за період 2002-2004 рр.
млн. грн.
№ п/пПоказникРоки2002200320041Загально-адміністративні
витрати302312729582Витрати на персонал1899250633703Чисті витрати на
формування резервів926151023804Податок на прибуток4024494095Інші
операційні витрати597102413676Загальні витрати1126861610484
Аналіз, проведений на основі даних таблиці 1.12, свідчить про збільшення
(на 21,7%) у 2004 році загальної суми витрат за рахунок збільшення
витрат на персонал – на 34,5% (у 2003 році на 31,9%), витрат на
формування резервів – на 57,6% (у 2003 році на 63,1%), інших операційних
витрат – на 33,5% (у 2003 році на 71,5%). Проте витрати на податок на
прибуток були найбільшими у 2003 році порівняно із 2002 та 2004 роками.
Загальні адміністративні витрати різко зросли (у 10,5 разів) у 2003
році, але потім дещо знизились у 2004 році.
Порівняльний аналіз груп банків за структурою доходів і витрат наведено
в таблиці 1.13.
Таблиця 1.13
Доходи, витрати та величина прибутку по групам банків України
млн. грн.
№ п/пГрупа банківРоки200220032004ДоходиВитратиЧистий
прибутокДоходиВитратиЧистий прибутокДоходиВитратиЧистий прибуток1Група
15897558131648334451382412335425812Група
21322123587111096414611288682603Група
31811160720414601219241165313493044Група 4143713617610169595713251208117
Аналіз проведений на основі даних таблиці 1.13, показав, що найбільш
прибутковою є діяльність банків І та ІІІ групи, але найбільший дохід по
всіх досліджуваних роках отримували банки І групи. Чистий прибуток
банків І групи у 2003 році зріс на 17,3%, а у 2004 році – на 52,1%.
Суттєво збільшився чистий прибуток банків ІІ групи у 2004 році – майже у
2 рази.
Порівнявши динаміку доходів і витрат банківської системи України, можна
стверджувати, що найбільш витратною є діяльність банків І групи та ІV
групи.
Основні показники діяльності банківської системи України представлені
таблиці 1.14.
Таблиця 1.14
Основні показники діяльності банківської системи
млн. грн.
№ п/пПоказникРоки200220032004Активи1Високоліквідні
активи904316043201982Кредитний портфель4673673442983123Чисті
активи638961002341332644Довгострокові кредити1069028136457045Проблемні
кредити2113250029516Вкладення у цінні папери4402653486737Загальні
активи67774105539140332Пасиви1Балансовий капітал998312882171592Статутний
капітал59988116107543Зобов’язання банків53913873521161054Вклади фізичних
осіб1116519092321135Пасиви, усього63896100234133264
З таблиці 1.14, можна зробити висновок, що статутний капітал банків зріс
на 43,0% (у 2003 році на 35,3%) і становив 10754 млн. грн., балансовий
капітал збільшився у 2004 році на 33% в порівнянні з 2003 роком. Загалом
пасиви банківської системи за аналізуємий період збільшувались в 2003
році на 57% в порівнянні з 2002 роком, а в 2004 році на 33% в порівнянні
з 2003 роком.
Щодо активів, то спостерігається терція до збільшення усіх статей
активів (чисті активи у 2004 році збільшились на 33% в порівнянні з
минулим роком; високоліквідні активи зросли в 2004 році на 25% в
порівнянні з минулим роком). В цілому активи зросли у 2004 році на 32% в
порівнянні з 2003 роком.
ВИСНОВКИ
Написання звіту про проходження практики, дало змогу здійснити
порівняльний аналіз тенденцій та напрямів діяльності банківської системи
в цілому, а також проаналізувати сучасний стан банківської системи.
Банківська система України не зважаючи на складнощі, обумовлені
політичною ситуацією в державі, посилення нестабільності валютного,
фінансового ринків, протягом 2004 року розвивалася динамічніше, ніж інші
сектори економіки й залишалася найбільшим сегментом фінансового ринку
країни.
Темпи зростання активно-пасивних операцій у тричі перевищували темпи
економічного зростання в країні у цілому. Так, за 2004 рік обсяги
активних банків збільшилися на 34,1% (за 2003 рік – на 55,7%),
кредитного портфеля – 32,3% (за 2003 рік – 57,1%), зобов’язання – 32,7%
(за 2003 рік – 62%), а ВВП – на 12% (9,6%).
Водночас слід зазначити що порівняно з попереднім роком у 2004-му
послабилася інтенсивність динаміки зростання, а збільшення обсягів
активно-пасивних операцій було нерівномірним. Так за перші три квартали
обсяги діяльності банків зросли (активи збільшились на 34,1%,
зобов’язання – на 36,1%), а у четвертому зменшилися активи на 0,1%,
зобов’язання на 2,5%. Обсяги капіталу на 8,1% зросли, що дало змогу
знизити фінансову напругу в банках, а також забезпечити незначне
зростання обсягів кредитування (на 0,2%).
Становлення банківської системи тісно пов’язане зі створенням
ефективного механізму управління банківською діяльністю, дійової системи
регулювання і контролю банківських операцій. Це, у свою чергу, потребує
глибокого вивчення основ сучасної банківської справи, дослідження
сутності й особливостей надання різноманітних банківських послуг,
відстежування та врахування міжнародного досвіду, а також перспективних
можливостей розвитку фінансово-кредитної системи України в цілому.
В результаті написання звіту було здійснено характеристику банківської
системи України, проведено аналіз процесу формування ресурсів
банківської системи, було зібрано документи, щодо оформлення основних
банківських операцій, а також здійснено аналіз фінансових результатів
діяльності банків України.
СПИСОК ВИКОРИСТАНОЇ ЛІТЕРАТУРИ
1. Про Національний банк України. Закон України № 679-ХІV від
20.05.1999р.
2. Про банки і банківську діяльність. Закон України № 2121-ІІІ від
07.12.2000р.
3. Про Національний банк України: Закон України від 20 травня 1999 року
// Відомості ВРУ від 10.10.1999. – 1999, №29, стаття 238.
4. Васюренко О. В. Банківські операції: Навч. посіб. – 4-те вид.,
перероб. і доп. – К.: Знання, 2004. – 324 с.
5. Р. Коцовська, В. Ричаківська, Г. Табачук, Я. Грудзевич, М. Вознюк
Операції комерційних банків: – 2-ге вид., доп. – Львів: ЛБІ НБУ, 2001.–
516 с.
6. Петрук О.М. Банківська справа: Навч. Посібник / За ред.д.е.н., проф.
Ф.Ф.Бутинця. – К.: Кондор.,2004.- 461 с.
7. Романишин В.О., Уманців Ю.М. Центральний банк і грошово-кредитна
політика: Навчальний посібник.–К.:Атіка, 2005.– 480 с.
8. Гроші та кредит: Підручник. – 3-тє вид., перероб. і доп. / М.І.
Савлу, А.М.Мороз, М.Ф. Пуховкіна та ін.; За заг. ред. М.І.Савлука. –
К.:КНЕУ, 2002.– 598 с.
9. www.bank.gov.ua – сайт Національного банку України.
10. www.finance.ua – cайт професійних учасників фінансового ринку.
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