79100 seen from the table, most of the borrowers received loans that do not exceed the sum of 1,000 rubles, 56%. the size of loans arranged in the following sequence:
) 1000 to 56%
) 1000 - 5000 26%
) 5 000-10 000 8%
) 10 000 - 50 000 6%
) 50 000 - 100 000 3%
) 100 000 - 500 000 1% of this suggests that there has been some improvement in the economic climate, reduced riskiness of lending to certain industries, companies solvency slightly, but increased. Therefore, entities can afford to request a larger amount of loan, and the bank can afford to its issuance (in more cases). Now consider the terms of lending. Not always the period for which the client requests a credit equal to the period for which the loan issue this borrower. (As a rule, the term can only be reduced). This is done to reduce the risk of losses. The vast majority of loans issued entities for the year 1999, 92.56% are short-term. And this is justified, because such issuance least risky loans., During this period in 2000 the share of long-term loans increased slightly (from 5.44% to 8%, ie 1.5 times) by reducing the short-term. This is again due to some stabilization of the economy.has become a smaller lending banks, the share of 01.01.2000 amounts to 1.7%. Of enterprises accounted for the majority of loans associations and joint stock companies.desirable (in terms of reducing the likelihood of incurring losses for a large sum) to diversify its loan portfolio by industries. Here's how it makes Samara AK Bank SB RF (see table number 5).
number 5structure of credit investments by industries in 1999
thousand rubles% of total123Industry886,01944Construction443,01022Transportation14,0960.7Agriculture26,1781.3Trade463,14623Other181,2309Total:2013679100 becomes clear that most of bank capital injections made in the industry. Next, in descending order of densities (in 1999) are: trade, construction, and other industries, agriculture and transport.very important point in a security issued by Credit loan. In the case of non-repayment of principal and interest on the bank can make a claim to the guarantor (surety) may implement the mortgaged property (on consignment basis), etc. As a result, overdue loan interest m can be covered completely or partially. Thus, security is one of the most powerful operating leverage, avoiding large irrecoverable losses of bank resources. It can help you reduce the risk to zero. Analyze the forms of collateral loans to legal entities on the basis of number of tables 6.
number 6on the forms of securing loans to legal entities in 1999
Category of borrowersBalance payable on 01.01.2000% 123Only2132621100including: BANKS341 219.3616including availability of security: - Guarantees 0 0-Property mortgage00-Pledged securities341 219.3616Other legal entities1791 401.6484including availability of security: - Pledge of property 1267 576.67 56.46-Pledged securities202 428.3911.3-Other types of collateral130 772.327.3-Unsecured190 624.268.94 to the instructions of the Central Bank loan in arrears on principal or%% over 180 days, it is considered unsecured.MBC of software here often practiced against securities SB (as third-party securities issuers are not used in the design of collateral). This ...
