Банковский менеджмент - Иода Е.В., Унанян И.Р

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MdZaZgbc P; JN hl ‹ M hl ‹ M

IjbdZa ;ZgdZ Jhkkbb hl ‹ H \\_^_gbb \ ^_ckl\b_ gh\hc j_^Zdpbb Bgkljmdpbb ;ZgdZ Jhkkbb ‹

H ihjy^d_ j_]mebjh\Zgby ^_yl_evghklb dj_^blguo hj]ZgbaZpbc

IjbdZa ;ZgdZ Jhkkbb hl ‹ H \\_^_gbb \ ^_ckl\b_ Iheh`_gby ‹ H[ hj]ZgbaZpbb \gmlj_gg_]h dhgljhey \ [ZgdZo

Bgkljmdpby ;ZgdZ Jhkkbb hl ‹ H ihjy^d_ j_]mebjh\Zgby ^_yl_evghklb dj_^blguo hj]ZgbaZpbc \ j_^ MdZaZgbc P; JN hl ‹ M hl ‹ M hl ‹ M hl ‹

M hl ‹ M hl ‹ M hl ‹ M

Bgkljmdpby ;ZgdZ Jhkkbb hl ‹ Z H ihjy^d_ nhjfbjh\Zgby b bkihevah\Zgby j_a_j\Z gZ \hafh`gu_ ihl_jb ih kkm^Zf \ j_^ MdZaZgbc P; JN hl ‹ M hl ‹ M hl ‹ M hl

‹ M hl ‹ M hl ‹ M hl ‹ M

Bgkljmdpby K; JN hl hdly[jy ] ‹ j H dj_^blh\Zgbb xjb^bq_kdbo ebp mqj_`^_gbyfb K[_j_]Zl_evgh]h ;ZgdZ Jhkkbckdhc N_^_jZpbb

;ZdZgh\ F B R_j_f_l : > L_hjby wdhghfbq_kdh]h ZgZebaZ F NbgZgku b klZlbklbdZ k;ZeZ[Zgh\ B L Jbkd± F_g_^`f_gl F NbgZgku b klZlbklbdZ k

;Zgdh\kdZy kbkl_fZ Jhkkbb GZklhevgZy dgb]Z [ZgdbjZ F >_dZ dgb]Z k;Zgdh\kdh_ ^_eh Ih^ j_^ H B EZ\jmrbgZ F NbgZgku b klZlbklbdZ k

;ZljZdh\Z E = Wdhghfbq_kdbc ZgZeba ^_yl_evghklb dhff_jq_kdh]h [ZgdZ Mq_[gbd ^ey \mah\ F Ba^ DhjihjZpby Eh]hk k

;eZgd B : Hkgh\u nbgZgkh\h]h f_g_^`f_glZ Db_\ GbdZ± P_glj L,k;eZgd B : Hkgh\u nbgZgkh\h]h f_g_^`f_glZ Db_\ GbdZ± P_glj L,,k

;hj A F I_lj_gdh < < F_g_^`f_gl [Zgdh\ hj]ZgbaZpby kljZl_]by ieZgbjh\Zgb_ F >BK K

Dho L M MijZ\e_gb_ [Zgdhf MnZ Ki_dlj Q k

Dmiqbgkdbc < : Mebgbq : K Kbkl_fZ mijZ\e_gby j_kmjkZfb [ZgdZ F WdaZf_g k

FZke_q_gdh\ X K NbgZgkh\uc f_g_^`f_gl \ dhff_jq_kdhf [Zgd_ Nmg^Zf_glZevguc ZgZeba F I_jki_dlb\Z

k

FZke_q_gdh\ X K NbgZgkh\uc f_g_^`f_gl \ dhff_jq_kdhf [Zgd_ L_ogheh]bq_kdbc mdeZ^ dj_^blh\Zgby F

I_jki_dlb\Z k

Fke_q_gdh\ X K NbgZgkh\uc f_g_^`f_gl \ dhff_jq_kdhf [Zgd_ l_ogheh]by nbgZgkh\h]h f_g_^`f_glZ deb_glZ F I_jki_dlb\Z k

Jhma Ibl_j K ;Zgdh\kdbc f_g_^`f_gl F >_eh kK_\jmd < L ;Zgdh\kdb_ jbkdb F >_eh EL> k

Kibpug B H Kibpbg Y H FZjd_lbg] \ [Zgd_ Db_\ PFFK IbkiZci k

L_g < < =_jZkbfh\ ; < >hdmgbg : < MijZ\e_gb_ Zdlb\Zfb [ZgdZ gZ hkgh\_ hilbfbaZpbhgguo f_lh^h\ F

FZrbghkljh_gb_ k

Mkhkdbg < F Kh\j_f_gguc dhff_jq_kdbc [Zgd mijZ\e_gb_ b hi_jZpbb F BIP <ZaZj N_jjh± kMldbg W : Fujugxd B < Dhgljheebg] jhkkbckdZy ijZdlbdZ F NbgZgku b klZlbklbdZ k

NbgZgkh\uc f_g_^`f_gl l_hjby b ijZdlbdZ Ih^ j_^ Klhygh\hc ? K F I_jki_dlb\Z k

Q_eghdh\ < : ;Zgdb b [Zgdh\kdb_ hi_jZpbb ;md\Zjv dj_^blh\Zgby L_ogheh]bb [Zgdh\kdbo kkm^

Hdheh[Zgdh\kdh_ jughqgh_ ijhkljZgkl\h Mq_[g >ey \mah\ F <ukr rd k

R_j_f_l : > S_j[Zdh\Z = G NbgZgkh\uc ZgZeba \ dhff_jq_kdhf [Zgd_ F NbgZgku b klZlbklbdZ

k

:f_ebg B W IjZdlbq_kdb_ \hijhku ]jZnbq_kdh]h fh^_ebjh\Zgby ;ZgdZ ;Zgdh\kdh_ ^_eh ‹ K ±

:f_ebg B W Khdheh\ K G :dlmZevgu_ \hijhku ebfblghc iheblbdb [ZgdZ ;Zgdh\kdh_ ^_eh ‹ K±

;Zgdh\kdZy kbkl_fZ Jhkkbb± hkgh\gu_ l_g^_gpbb ]h^Z b i_jki_dlb\u jZa\blby >_gv]b b dj_^bl ‹

K±

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=jZnh\Z = :e_dk__\ I D \hijhkm mijZ\e_gby [Zgdh\kdbfb jbkdZfb :m^blhj ‹ K±

@^Zgh\ : X ;Zgdh\kdb_ jbkdb b mijZ\e_gb_ i_jkhgZehf >_gv]b b dj_^bl ‹ K ±

AZcp_\Z G < Hi_jZlb\guc ZgZeba jbkdZ ihl_jb ebd\b^ghklb \ dhff_jq_kdhf [Zgd_ >_gv]b b dj_^bl ‹

k±

DZ[ur_\ H IjZ\hf_jghklv ij_^ijbgbfZl_evkdh]h jbkdZ Ohayckl\h b ijZ\h ‹ K±

Dhgh\Zeh\ K N H[ hilbfbaZpbb khklZ\Z ihdZaZl_e_c oZjZdl_jbamxsbo [Zgdh\kdb_ jbkdb >_gv]b b dj_^bl

‹ K ±

Dbjbq_gdh G B\Zgl_j : Djmig_crb_ [Zgdb Jhkkbb blh]b djbabkZ Wdki_jl± ] ‹ K

FZdjhwdhghfbq_kdb_ ihdZaZl_eb ^_yl_evghklb [Zgdh\kdhc kbkl_fu Jhkkbckdhc N_^_jZpbb >_gv]b b dj_^bl

‹ K±

H[ hj]ZgbaZpbb fhgblhjbg]Z ij_^ijbylbc \ kbkl_f_ P_gljZevgh]h ;ZgdZ X < Kl_iZgh\ : F =jbrbg B :

Fhj]Zq_\Z b ^j >_gv]b b dj_^bl ‹ K±

Hkbi_gdh L < H kbkl_f_ jbkdh\ [Zgdh\kdhc ^_yl_evghklb >_gv]b b dj_^bl ‹ K±

IhfhjbgZ F : MijZ\e_gb_ jbkdZfb dZd khklZ\gZy qZklv ijhp_kkZ mijZ\e_gby Zdlb\Zfb b iZkkb\Zfb [ZgdZ

;Zgdh\kdh_ ^_eh ‹ K±

Ij_^ijbgbfZl_evkl\h [bag_k jbkd JughqgZy wdhghfbdZ F ; JZca[_j] K±

JhfZgh\ < Ihgylb_ jbkdh\ b bo deZkkbnbdZpby dZd hkgh\ghc we_f_gl l_hjbb jbkdh\ Bg\_klbpbb \ Jhkkbb

‹ K ±

JhfZgh\ F G Hkgh\gu_ ih^oh^u d hp_gd_ dj_^blgh]h jbkdZ [Zgdh\ JN ;Zgdh\kdh_ ^_eh ‹ K±

K\_leh\Z K Jbkdb \ [Zgdh\kdhc ijZdlbd_ :m^blhj ‹ K ±

K\_leh\Z K Jbkdb \ [Zgdh\kdhc ijZdlbd_ Ijh^he`_gb_ :m^blhj ‹ K±

Ih^ibkZgh \ i_qZlv

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LbjZ` wda K

Ba^Zl_evkdh iheb]jZnbq_kdbc p_glj

LZf[h\kdh]h ]hkm^Zjkl\_ggh]h l_ogbq_kdh]h mgb\_jkbl_lZ

LZf[h\ Kh\_lkdZy d