Norms of H2-N4 liquidity by their economic essence are rather mobile, and their change on the quarterly window by more than 5% can be estimated as natural fluctuations rather than deviations requiring special analysis. The Bank closely monitors the state of its liquidity in the short, medium and long term with the use of all modern financial methods, in which mandatory economic standards are just one of the sets of indicators, which, nevertheless, always carefully observes.
Norms related to loan portfolio of N6, N7, N9.1, N10.1. Within the framework of the applied strategy on diversification of activities and risk reduction for large counterparties and related parties, OJSC "Promsvyazbank" purposefully takes measures to reduce the share of loans issued to related persons.
The management strategy chosen by OJSC "Promsvyazbank" is structured in such a way as to ensure an optimal balance between liquidity, profitability, and risks. In its activities, the Bank undoubtedly strives to comply with all norms and other requirements set by the Bank of Russia.
The results of the year showed that the most valuable asset of the tank - loyalty and trust of hundreds of thousands of customers - has become even more significant and significant. Together with the high quality and adaptability of the product line, it gives the bank a significant advantage in business and is a guarantee of successful cooperation between the bank and its customers. Due to its serious resource base, the Bank is still financially independent, stable to fluctuations in the market and has all the tools necessary for business development. The resource base of OJSC Promsvyazbank is not only significant in size, but also well differentiated. In the structure of liabilities, various sources of attraction of resources are used: these are funds of legal entities and population, borrowings from open markets, loans of the Bank of Russia and other instruments of financing of different maturity.
Having a serious safety margin, reliable risk management and a professional team of employees, the bank retains a high level of banking services familiar to its customers. A balanced and reliable funding base allows OJSC Promsvyazbank to develop business in all areas, in particular, to support the regional economy, to update the product range, to improve the technology of service provision, to optimize business processes. Despite various difficulties in the macroeconomic situation, the bank is successfully implementing the planned strategies.
SHUTTERS.
According to the results of the survey, it can be concluded that today there are several problems in the analysis of the financial condition of a commercial bank, mainly related to the lack of developed methodological apparatus and gaps in the banking legislation.
As the calculations have shown, at the stage of formation of the banking system of Russia itself, when the methodological apparatus is not yet sufficiently developed, the legislation leaves much to be desired, even the largest banks of Russia by international standards reach, at best, to "averages", there are serious problems and gaps in the approaches to banking analysis. What are they? We can give you the following list:
According to the leading Russian bankers, today's tools for assessing the financial condition of commercial banks in Russia do not meet the requirements of the time and the current need for information, if only because the widely used "assessment systems" based on the calculation of coefficients based on the date of the balance sheet alone without analyzing the internal quality of accounts, can give a large part of the error, and the balance in the form of account balances does not allow us to adequately assess the quality of assets and liabilities of the bank, to reflect its real situation.
The existing approach to the assessment of banks' efficiency satisfies the growing needs of the management and shareholders less and less, as it is based mainly on financial indicators. At the same time, the value of banking business is influenced by intangible assets: a well-known brand, knowledge, and experience of key employees, relations with clients and partners, use of advanced technologies, relations with governmental organizations, social responsibility of business, etc.
Another important problem, which is not easily solved, is the difficulty of controlling the implementation of strategic tasks. Building a system of key performance indicators helps managers to focus on the main priority areas of activity in a given period.
At the same time, a positive trend can be considered the fact that in modern Russia they began to pay serious attention to the reliability of the banking system and a separate commercial bank. Today, the banks are studying (to get closer to Russian norms and standards) and publish well-known Western methods (one of them is the CAMEL rating system). There is a hope that in the foreseeable future the Russian banking system will have fully debugged and reliable methods of analyzing the financial condition of a commercial bank. The methods that perform their main task is to increase information security of all participants of the Russian banking market.