deposit is the most liquid. In second place, the security of property.legal entities in 1998 and 1999. Mainly used pledge of property (40.5% from 82.7% and 49.73% from 97.53%, respectively). Next in order of specific weights are: guarantees, other types of collateral on securities, loans without collateral (in 1999 there were more). On individuals most software provided guarantees (warranties). Extension of the credit agreement increases the risk of non-repayment of the loan (short-term loans converted into longer-term), because in most cases it is caused by the insolvency of the client (less desire to extend the deal because of its profitability). Consequently, the greater prolongations, the more risky loan portfolio becomesrmation table number 7.
number 7on the extension of credit agreements with the entities in 1999
Number of contracts (units) Amount of contracts (thousand rubles). Share of extended credit agreementsOnlyOf these prolongedTotal number of renewalsOnlyFrom her prolonged contractsOverall quantity of credit. AgreementsIn total loan. Agreements123456725, 6543536129203935302,5602.265.12, in 1999, 2.26% of all contracts were prolonged. In the total amount of credit agreements proportion of renewals decreased to 5.1%. This indicates an increase in the loan portfolio quality.we can consider the dynamics of the specific weights of loans and arrears categories of borrowers.the 1998-1999 period. share of overdue debt population increased steadily and reached 8% (applies to the present). A similar pattern is observed in the MBC until March 1998 (an increase from 14% to 60%), followed by a smooth decrease (from 60% to 42%). For legal entities after the recession set stably low levels (1-2%). Diagram (Fig. 4 number) shows the proportion of average trend of arrears in loan debt.becomes apparent that the percentage in question at the moment is reduced. This result is due to a large proportion of corporate lending. Interesting is that Samara AK SB Bank of the Russian Federation took into account the trend that we saw in the previous diagram, and began to increase lending to legal entities, while reducing the inter-bank lending. True, the granting of loans to the population and has not changed. This is illustrated in the diagram in figure number 5.loans Samara AK Bank SB RF creates them provision for possible losses (which we have already mentioned in this paper). Thereby Sat like «insure» themselves.exactly how much he expects at this, we can see from the table below and graphic explanations to her. To do this, consider a table number 7 and Fig. Number 6. Part of the loans was overdue. If we assume that they become overdue (it's the worst case), then throughout the 1998 reserve to cover them would not be enough. Part of the losses would cover «live» resources. And to divert resources, which previously counted Sat-very risky. This, apparently, was taken into account, and in 1999 the allowance for possible loan losses are almost always covered in arrears. The risk of this kind has been significantly reduced.
number 7of provisions for possible loan losses
DateBeats. Weight allowanceBeats. weight delayProvision forin morain loan debtUPU01.01.9556.9013.555307624001.07.9586.701 to 4, 311138488401.01.9689.1011.009577436601.07.96102.707.709918394801.01.97105.907.009319224001.07.9796.906.608589472001.01.98100....
