How to calculate the loan portfolio?

How to calculate the loan portfolio?

How to calculate the loan portfolio?

 

 

A simple inhabitant may not be clear about the meaning of this, in fact, a simple phrase. However, it is very important and one of the most accounted for in lending by the banking structure. The loan portfolio is the sum of all debts on the credit balances at the present moment of time, and its structure and quality determine the risk for credit relations between banks and borrowers.

 

How to calculate the loan portfolio?

  1. The first thing that needs to be done to correctly calculate the loan portfolio is to create a so-called gross loan portfolio. It consists of the sum of all existing debts: urgent, extended and overdue - they take place in all credit and loan relations.
  2. Now, in this ephemeral portfolio, you need to make two “pockets”, which should be dubbed as client and interbank. The interbank pocket of the loan portfolio includes all funds held in custody or in circulation with other banks that cooperate with the object of settlement.All other operations - loans of individuals and legal entities - are recorded in the client pocket.
  3. After that, a net loan portfolio is calculated, which is easily found when calculating the difference between the gross loan portfolio and the amount of all loan investments that can be returned to the bank to date. Various losses are deducted from this (including projected losses). The resulting difference will be a net loan portfolio.
  4. How to calculate the loan portfolio? And finally, one of the most important stages is to check whether this loan portfolio will be torn. At this stage, it is necessary to take into account all the risks: unscrupulous counterparties and borrowers with a tarnished reputation, and other (much more rare) risks. In addition, it is necessary to assess other borrowers, in particular how they fulfill their credit obligations to the bank.
  5. In each selected group, according to the risk level for the bank, it is necessary to allocate a certain financial reserve, which may be used to pay off losses.
  6. The result obtained by groups is averaged by the degree of risk - and as a result you have clear data in financial equivalent equal to the value of your loan portfolio with recalculation on the risk of non-payment.

 

How to calculate the loan portfolio? In addition to loan agreements, of course, it is necessary to include other operations performed by the bank in its daily activities in its loan portfolio. However, they are considered to be completely on the same principle, and this work will not amount to any educated economist. Know your income and have a real idea of ​​your financial risks!

 

Choosing a bank for a deposit.

Choosing a bank for a deposit.

What you need to know to choose a bank for a deposit?

 

 

Russians, protecting their money from inflation and wanting to ensure their safety, as well as, without losing the opportunity to make a profit, are increasingly investing their capital in a bank deposit. And the more stable the economy in the country, the greater the confidence in the reliability of banks, and, accordingly, the more Russians use the services of the banking system. According to statistics, the vast majority of citizens, about 90%, keep their savings in bank deposits. About 10% of investors prefer to make deposits in such objects as precious metals, securities, stocks, real estate and other valuables. Considering the undoubted advantage of bank deposits over other investment objects, we can safely say that investors are not only confident of the reliability of such deposits,but also have a fairly extensive experience of their use.

 

And so, despite the fact that the time of the collapse of currencies, it would seem, is over, the question of the preference of a bank is still relevant. In addition, with the adoption of the Federal Law on the Insurance of Deposits of Individuals, the situation has changed dramatically. The deposit insurance system began to be created in Russia in 2003. And today this system combines 98% of Russian banks. If the bank is not part of this system, then it is deprived of the right to work with deposits. According to this law, the bank guarantees depositors the return of their savings in the amount of up to 700 thousand rubles.

 

What you need to know to choose a bank for a deposit?

  1. Firstly, it makes sense to place money in different banks, if the amount exceeds the insurance limited by law in 700 thousand rubles. This guarantees you the payment of 700 thousand rubles in case of any trouble with the deposit. After all, the law guarantees the payment of this amount from all accounts of all banks.
  2. Secondly, with a long-term deposit calculated for a year or more, one should apply either to the state or to the branch bank if very favorable conditions are offered for the deposit, and the required minimum exceeds the amount of compensation.
  3. It goes without saying that you need to look for the most profitable option for making a deposit. In particular, it is necessary to pay attention to the convenience of carrying out the necessary banking activities. After all, you will agree that it does not make sense to travel regularly across the entire city in order to withdraw interest from the account or replenish the deposit when you have a branch of another banking institution right in the area. Not unimportant factor - the level of service. After all, precious time is spent on a simple queue, and it, as you know, is worth the money. In the assessment is the number and location of ATMs.
  4. Also, the availability of an Internet service, which allows you to manage your deposits remotely, from your home or office, is becoming more common. Such a system is an indicator of the quality of services provided and the level of the bank.
  5. Of course, everyone wants to go through the procedure of choosing a bank as quickly as possible and with the most advantageous conditions. After all, when it comes to the safety of the deposit, your own money, the amount of investment becomes irrelevant. And to make a mistake in choosing a bank means to talk about a possible loss of finances.It is the poet who, when choosing a bank, must be extremely attentive.

 

What you need to know to choose a bank for a deposit? You must be especially careful when choosing a bank that promises too high interest on the deposit. Such banks, most likely, make illegal frauds with your money, and, agreeing to cooperate with them, you risk losing your savings. Therefore, do not forget that the interest rate is not the only criterion by which you should choose a bank.

 

In addition, the indicator should pay attention to the following criteria:

  1. financial reporting of the bank. This indicator provides very voluminous information about the reliability of the bank. Of course, you must have sufficient knowledge in order to understand such documents. In spite of the fact that most contributors do not possess such knowledge, this information will help in the further formation of opinions about this or that institution. To do this, it is enough to know that the "standard of capital adequacy" is an indicator that determines the reliability of the financial institution. The higher this indicator, the less risk to your investments.
  2. shareholders of the bank. Hiding this information by the bank should alert the depositor.
  3. An important role in choosing a bank is played by the duration of its work and the size of the authorized capital. If the bank has been operating for more than two years and has more than 200 million rubles of authorized capital, then there is every reason to trust this bank.
  4. The presence of commission can also say a lot about the decency of the bank. Of course, in banks there are fees charged by them for the provision of additional services. But many banks, taking advantage of the low awareness of depositors, charge a fee for opening an account, although investing means implying the provision of funds to a bank, for which the bank must pay you interest.
  5. One should not forget that by opening a deposit, the depositor accepts certain conditions, according to which the early withdrawal of funds from the account occurs. It is necessary to study the contract very carefully before signing it.
  6. Remember that your deposit must be insured. A bank not participating in the compulsory deposit insurance system has no right to work with deposits. To check the participation of the bank in this system, you must check the availability of the appropriate certificate.
  7. Obviously, the main goal of any investment is to increase capital. That is why you should make sure that the interest rate on the contribution will cover future inflation.

 

What you need to know to choose a bank for a deposit? Of course, to obtain more accurate and reliable information about the reliability of the bank, it is necessary to have an appropriate education, but taking into account all the above indicators of reliability, the depositor is more likely to make the right bank choice for deposits, which will help him not to lose money, but to increase them.