Резервный фонд банкаРезервный фонд

Резервный фонд банка
Резервный фонд банка - часть собственного капитала, образуемая за счет ежегодных отчислений от прибыли. Резервный фонд служит для покрытия убытков банка, возникающих в результате его деятельности, а также создается для увеличения уставного фонда. Норматив отчислений в резервный фонд устанавливается общим собранием акционеров
Кредитная организация имеет возможность по итогам года сделать отчисления в резервный фонд только в том случае, если имеется прибыль. Таким образом, резервный фонд банка создается за счет прироста чистых активов.

Резервы банка на возможные потери по ссудам
Резерв на возможные потери по ссудам представляет собой специальный резерв банка, формирование которого обусловлено кредитными рисками в деятельности финансовых организаций. Этот резерв позволяет избегать колебаний величины прибыли банков в связи со списанием потерь по ссудам, тем самым воздействуя на величину капитала.
Данный резерв формируется за счет отчислений, относимых на расходы банков, причем отдельно по каждой выданной ссуде. Резерв банка на возможные потери по ссудам используется только для покрытия не погашенной клиентами ссудной задолженности по основному долгу.
Резервы банка под обесценение ценных бумаг
В последний рабочий день каждого месяца производится переоценка по рыночной стоимости вложений кредитной организации в ценные бумаги
В том случае, если рыночная стоимость ценной бумаги на последний рабочий день отчетного месяца (т.н. цена переоценки) окажется ниже балансовой стоимости ценной бумаги, то коммерческий банк или кредитное учреждение обязано создать резерв под обесценение вложений в ценные бумаги в размере снижения средней рыночной цены (цены переоценки) относительно балансовой стоимости. При этом сумма резерва не должна превышать 50 % от ее балансовой стоимости.
Обязательные резервы банка
Обязательные резервы - представляют собой инструмент регулирования общей ликвидности банковской системы, используемый ЦБ для контроля денежных средств посредством снижения денежного накопления коммерческими банками.
По сути эти резервы представляют собой часть суммы депозитов, которую коммерческие банки хранят на специальных счетах в Центральном банке и не могут использовать для осуществления активных операций, и прежде всего для кредитования

Результаты (английский) 1:

The Bank's reserve fundThe Reserve Fund of the Bank-part of own capital, formed by annual contributions from profits. The reserve fund is used to cover the losses of the Bank arising from its activities, and to increase statutory fund. Standard deductions to the reserve fund established by the general meeting of shareholdersA credit institution is able to make the payments to the reserve fund only if there is a profit. Thus, the Bank's reserve fund is created by growth in net assets.The Bank's reserves for possible loan lossesReserve for possible loan losses is a special reserve of the Bank, which is due to the formation of credit risk management in financial institutions. This reserve is intended to avoid fluctuations in the value of banks ' profits in relation to the writing off of losses on loans, thereby influencing the amount of capital.This reserve is financed by fees charged to cost banks and issued separately on each loan. The Bank's reserve for possible loan losses is used not only to cover the repaid Loan debts customers of the principal debt. The Bank's reserves for impairment of securitiesOn the last working day of each month, the revaluation at market value of investments in securitiesIf the market value of the securities on the last working day of the reporting month (the price revaluation) will appear below the book value of the securities, the Bank or credit institution shall establish a provision for impairment of investment securities in the amount of reduction of average market prices (the prices revaluation) relative to the book value. The amount of the provision should not exceed 50% of its book value.The Bank's required reserves Required reserves-are an instrument for regulating the overall liquidity of the banking system, the CENTRAL BANK used for the control of funds by reducing the accumulation of money commercial banks.In fact, these reserves represent the portion of the amount of deposits that commercial banks are kept in special accounts in the Central Bank and may not be used to carry out active operations, and above all for lending

Результаты (английский) 2:

The reserve fund of the bank
Bank's reserve fund - equity, formed by annual deductions from profits. The reserve fund is used to cover the bank's losses arising from its activities, as well as created to increase the authorized capital. The normative allocations to the reserve fund established by the general meeting of shareholders of
credit organization has an opportunity at the end of the year to make contributions to the reserve fund only if there is a profit. Thus, the Bank's reserve fund created by the increase in net assets. Bank reserves for possible loan losses Provision for possible loan losses is a special reserve bank, the formation of which is due to credit risk in financial institutions. This provision avoids oscillation profit margins of banks in connection with the write-off of loan losses, thereby affecting the value of capital. This reserve is formed by contributions attributable to the costs of banks, and separately for each issued loan. Bank reserve for possible loan losses is used only to cover the loan is not repaid clients of the principal debt. The Bank's securities depreciation in the last working day of each month revaluation of investments at market value of the credit institution in securities In the event that the market value of security on the last business day of the reporting month (the so-called price revaluation) is lower than the carrying value of the security, the commercial bank or credit institution is required to create a provision for impairment of investments in securities in the amount of reduction in the average market price (the price revaluation) with respect to the carrying value. At the same time allowance should not exceed 50% of its book value. Mandatory bank reserves Required reserves - are a tool to regulate the overall liquidity of the banking system, used for the control of the Central Bank funds by reducing the accumulation of money commercial banks. In fact, these provisions are part of the sum deposits that commercial banks kept in special accounts in the Central Bank and may not be used for active operations, especially for lending

Результаты (английский) 3:

Contingency fund bank
Contingency fund bank - a part of their own capital, formed the basis of annual royalty of the profit. Reserve fund is used to cover the damages bank,Emerging as a result of its activities, as well as generated to increase the company's authorized fund. Royalty Rate to the reserve fund is the general shareholders meeting
Credit Organization has the opportunity to follow-up, to make contributions to the reserve fund only in the event that there is a profit. Thus, the contingency fund bank created the growth net assets.

Bank reserves for possible losses on loans
reserve for possible losses on loans represents a special reserve bank,The formation which is due to credit risk management in the financial activities of the organization. This reserve allows you to avoid fluctuations in the profit banks in the write-off losses on loans,Thus impacting on the value capital.
this reserve is financed by transfers that are attributable to the costs banks, and separately for each loan.Reserve Bank for possible losses on loans is used only to cover the unpaid customers loan debt on debt.
Reserves of bank under the devaluation of securities
On the last working day of each month are being re-evaluated at the market value of investment credit organizations in securities
in the event thatIf the market value valuable paper on the last working day the reporting month (so-called price revaluation) is below the book value of valuable paper,The commercial bank or credit institution is required to establish a reserve for impairment investment in securities in the amount of average market price (price revaluation) to book value.The amount of the reserve shall not exceed 50 per cent of its book value.
Mandatory reserves of bank
required reserves - represent the instrument for regulating the banking system liquidity,The Central Bank to control money by reducing cash accumulation of commercial banks.
The fact is, these reserves represent a portion of the amount deposits,The commercial banks are stored in special accounts in the central bank and may not be used for the implementation of the active operations, and, above all, for credit