However, the sediment remained. How to determine which bank you can trust money, and a collapse in the near future? Especially if the bank is not among the market leaders? It is so reluctant to pull their money out of the Guarantee Fund for physical persons!
After a dozen bank failures in 2005 - 2006, much water has flowed. There was increased amount of the guaranteed deposit amount to 50 thousand UAH, many banks have been bought by foreign financial groups, and even bankers themselves have learned from the lessons of what happened. "The experience of recent bankruptcies forced banks to improve their approaches to work. I do not see the banks that operate on the brink of a foul, "- said the director of Treasury Bank Khreshchatyk Alexey Kozyrev.
However, certain risks of investing in bank deposits do exist. As noted by bankers themselves, some small and medium-sized banks often operate on the principle of vacuum cleaners, physical persons raising funds and investing them in the business projects of the shareholders. Needless to say, that the risks for investors in this case are very high. Who knows - how successful will these projects and whether shareholders will not want to move to live, for example, in the Canary Islands, taking with him clients' money? How to choose?
Why not make a mistake when choosing a bank? Bankers are advised to choose accommodation means that the bank, whose bid or comply with market average, or above them to 1-1,5%. If the rate on deposit for 3 - 5% above average, this is an occasion to reflect. Moreover, such a comparative analysis of the better conduct of member banks in about one group - large, small or medium. "In Ukraine there are banks, which are risky to invest money.
This could include some of the banks in the group of "small", but not only. In the group of "average" sometimes those banks that seem to be large and assets, and considerable capital, but they nevertheless offer crazy rates on deposits. Give careful investor, this is cause for concern "- warns first deputy chairman of board of bank" European "Tatiana SHMELKOVA.
In addition to deposit rates when choosing a bank worth exploring further and lending rates, not only from the selected bank, but the market in general. Today, many banks take deposits of 17% per annum, while their competitors under the same interest loans granted. This means that the first banks in dire situation with the resources, which forces them not to take money on international markets and domestic, but also the fervor. Therefore, for the investor is very important to compare deposit rates with credit.
In the banks' balance sheets (they are on the websites of the banks themselves, partly on site of AUB and the NBU), above all, pay attention to the structure of liabilities, that is, the bank raised funds through which it will issue credit. These funds are formed by deposits and current accounts of individuals and entities, inter-bank loans and bank equity and, as they say bankers, there should be no distortions. "The structure of liabilities of the bank to be homogeneous, without distortions, - explains Alexey Kozyrev. - That there should not be too much of one of the components, for example, the predominance of only "IBA" only means of physical persons or only the capital. For example, the bias towards inter-bank loans, the share of which in theory should not exceed 20-30%, shows the dependence of the bank from this source, riskiness of its policies to attract resources. Once in a crisis situation on the market, he could face a liquidity problem: Simply put, nobody will give money, and he can not work normally.
A similar analysis can be carried out on loan portfolio. According to Head of passive and settlement operations of Bank Finance and Credit "Svetlana Klokun, problems with returning deposits typically occur as a result of an unbalanced policy of the bank on active operations.
In order to "probe" the bank even deeper, you can use different indicators and coefficients, of which practitioners and theorists of banking in the history of its existence came up with a lot. Conventionally, these indicators can be divided into several groups: capital ratios, liquidity and profitability, as well as indicators of credit risk and the quality of assets and liabilities. True, these indicators need different data on the activities of the bank, and not all of them are available to investors simple.
If you do not have time to dig into the financial statements of a particular bank, the bankers advised to choose the bank by the so-called non-statistical methods of evaluation. This is, first of all, the reputation of financial institutions, the duration of his work in the market, customer feedback and so on. "The duration of the bank's presence in the banking market is a kind of guarantee of stability", - says project manager of marketing and products "SEB Bank" Natalia Kravets.
And, of course, important part of the shareholders, ratings from international agencies and other indicators that demonstrate the seriousness of the bank's positions in the market. Show me the muscles!
What distinguishes strong banks from weak?
* Publicity, transparency of information on the financial performance of the bank's website and other sources of information.
* The presence of international rankings.
* Develop a regional network.
* Participation in the Deposit Insurance Fund (MUST!).
* The existence of profits rather than losses, a steady increase balance.
* A balanced structure of liabilities, with no apparent "distortions".
* Deposit rates should not be higher interest rates in the same currency bank competitors.
Do you have a profit?
Bankers advised to look at the balance sheets of banks and their results, without going into the calculations. Sometimes it is enough to pay attention only to the size of the bank's capital or profits. "The Bank, which has no income or profit is negative - not the best site for investor attention, - said Alexey Kozyrev from the bank Khreshchatyk. - If the bank is a loss-making activities, for it immediately taken by the NBU. In addition, the bank's profit should be at least at the secondary level for his team - is one of the signs of his normal work.
While bankers are advised not to draw hasty conclusions - the desire of every self-respecting company, including bank, legal methods to minimize their profits could not eliminate even one. "Probably, all banks in varying degrees, minimize the profits - says Tatiana SHMELKOVA from the bank" European ". - Let's take a sober look at things - the way to work not only Ukrainian banks, since running the world. Therefore, the profit of the bank, as well as on other indicators, we need to look at the dynamics. It is in the dynamics of such factors as the size of the capital, the portfolio of assets and liabilities, loans of individuals and entities, and other income, the investor can find the answer to the question - is worthy of his attention to the bank or not.
After a dozen bank failures in 2005 - 2006, much water has flowed. There was increased amount of the guaranteed deposit amount to 50 thousand UAH, many banks have been bought by foreign financial groups, and even bankers themselves have learned from the lessons of what happened. "The experience of recent bankruptcies forced banks to improve their approaches to work. I do not see the banks that operate on the brink of a foul, "- said the director of Treasury Bank Khreshchatyk Alexey Kozyrev.
However, certain risks of investing in bank deposits do exist. As noted by bankers themselves, some small and medium-sized banks often operate on the principle of vacuum cleaners, physical persons raising funds and investing them in the business projects of the shareholders. Needless to say, that the risks for investors in this case are very high. Who knows - how successful will these projects and whether shareholders will not want to move to live, for example, in the Canary Islands, taking with him clients' money? How to choose?
Why not make a mistake when choosing a bank? Bankers are advised to choose accommodation means that the bank, whose bid or comply with market average, or above them to 1-1,5%. If the rate on deposit for 3 - 5% above average, this is an occasion to reflect. Moreover, such a comparative analysis of the better conduct of member banks in about one group - large, small or medium. "In Ukraine there are banks, which are risky to invest money.
This could include some of the banks in the group of "small", but not only. In the group of "average" sometimes those banks that seem to be large and assets, and considerable capital, but they nevertheless offer crazy rates on deposits. Give careful investor, this is cause for concern "- warns first deputy chairman of board of bank" European "Tatiana SHMELKOVA.
In addition to deposit rates when choosing a bank worth exploring further and lending rates, not only from the selected bank, but the market in general. Today, many banks take deposits of 17% per annum, while their competitors under the same interest loans granted. This means that the first banks in dire situation with the resources, which forces them not to take money on international markets and domestic, but also the fervor. Therefore, for the investor is very important to compare deposit rates with credit.
In the banks' balance sheets (they are on the websites of the banks themselves, partly on site of AUB and the NBU), above all, pay attention to the structure of liabilities, that is, the bank raised funds through which it will issue credit. These funds are formed by deposits and current accounts of individuals and entities, inter-bank loans and bank equity and, as they say bankers, there should be no distortions. "The structure of liabilities of the bank to be homogeneous, without distortions, - explains Alexey Kozyrev. - That there should not be too much of one of the components, for example, the predominance of only "IBA" only means of physical persons or only the capital. For example, the bias towards inter-bank loans, the share of which in theory should not exceed 20-30%, shows the dependence of the bank from this source, riskiness of its policies to attract resources. Once in a crisis situation on the market, he could face a liquidity problem: Simply put, nobody will give money, and he can not work normally.
A similar analysis can be carried out on loan portfolio. According to Head of passive and settlement operations of Bank Finance and Credit "Svetlana Klokun, problems with returning deposits typically occur as a result of an unbalanced policy of the bank on active operations.
In order to "probe" the bank even deeper, you can use different indicators and coefficients, of which practitioners and theorists of banking in the history of its existence came up with a lot. Conventionally, these indicators can be divided into several groups: capital ratios, liquidity and profitability, as well as indicators of credit risk and the quality of assets and liabilities. True, these indicators need different data on the activities of the bank, and not all of them are available to investors simple.
If you do not have time to dig into the financial statements of a particular bank, the bankers advised to choose the bank by the so-called non-statistical methods of evaluation. This is, first of all, the reputation of financial institutions, the duration of his work in the market, customer feedback and so on. "The duration of the bank's presence in the banking market is a kind of guarantee of stability", - says project manager of marketing and products "SEB Bank" Natalia Kravets.
And, of course, important part of the shareholders, ratings from international agencies and other indicators that demonstrate the seriousness of the bank's positions in the market. Show me the muscles!
What distinguishes strong banks from weak?
* Publicity, transparency of information on the financial performance of the bank's website and other sources of information.
* The presence of international rankings.
* Develop a regional network.
* Participation in the Deposit Insurance Fund (MUST!).
* The existence of profits rather than losses, a steady increase balance.
* A balanced structure of liabilities, with no apparent "distortions".
* Deposit rates should not be higher interest rates in the same currency bank competitors.
Do you have a profit?
Bankers advised to look at the balance sheets of banks and their results, without going into the calculations. Sometimes it is enough to pay attention only to the size of the bank's capital or profits. "The Bank, which has no income or profit is negative - not the best site for investor attention, - said Alexey Kozyrev from the bank Khreshchatyk. - If the bank is a loss-making activities, for it immediately taken by the NBU. In addition, the bank's profit should be at least at the secondary level for his team - is one of the signs of his normal work.
While bankers are advised not to draw hasty conclusions - the desire of every self-respecting company, including bank, legal methods to minimize their profits could not eliminate even one. "Probably, all banks in varying degrees, minimize the profits - says Tatiana SHMELKOVA from the bank" European ". - Let's take a sober look at things - the way to work not only Ukrainian banks, since running the world. Therefore, the profit of the bank, as well as on other indicators, we need to look at the dynamics. It is in the dynamics of such factors as the size of the capital, the portfolio of assets and liabilities, loans of individuals and entities, and other income, the investor can find the answer to the question - is worthy of his attention to the bank or not.
No comments:
Post a Comment