- •Introduction
- •1 Theoretical basis of formation and management of second tier banks’ resources
- •1.1The concept, structure and management of the bank’s own capital
- •1.2 Essence, classification and role of deposits.
- •1.3 Bonds and syndicated loans as the main sources of non-deposit funds
- •Best-efforts syndication.
- •Club deal.
- •1.4 Assets Liability Management
- •2 Analysis of the current practice of formation and management of resources of jsc Kazkommertsbank
- •2.1 Analysis of the formation, management and evaluation of the capital adequacy of jsc Kazkommertsbank
- •Note - Compiled by the author according to the data of websitewww.Kkb.Kz
- •Table 1 Changes in Equity for 2010-2012 (mln.Kzt)
- •2.2 Analysis of activity of Kazkommertsbank in formation of deposit market and implementation of deposit policy.
- •2.3 Analysis of non-deposits sources of funding in Kazkommertsbank rk
- •2.4 Analysis of assets and liabilities management of jsc Kazkommertsbank
- •3. The ways of improvement in funding of banking operations and asset management of the bank.
- •3.1 The implementation of Basel III
- •3.2 The implementation of certificate of deposit
- •Conclusion
- •Analyzing the dynamics of the bank's own funds it can be concluded that the observed downward trend of total equity by reducing the share premium 0,16 % and retained earnings 55,49 %.
- •Shareholders' equity decreased over the period from 413.746 to 307.969 million tenge that is decreased for 105,777 million tenge.
- •List of used literature
- •Appendix 1
- •Appendix 2
- •Appendix 3
Appendix 2
Interest rates of banks on attracted deposits (by maturity and types of currency) % for the month
|
12.11 |
12.12 |
01.13 |
02.13 | ||||
|
KZT |
СКВ |
KZT |
СКВ |
KZT |
СКВ |
KZT |
СКВ |
|
|
|
|
|
|
|
|
|
Deposits of non-banking legal entities |
2,6 |
1,4 |
3,5 |
1,9 |
3,0 |
2,4 |
2,4 |
1,9 |
including: |
|
|
|
|
|
|
|
|
Demand deposits |
1,3 |
1,5 |
2,0 |
0,1 |
3,2 |
0,0 |
1,5 |
0,2 |
conditional |
4,8 |
1,6 |
4,0 |
2,0 |
1,0 |
0,7 |
2,6 |
1,5 |
Time deposits, total |
2,7 |
1,4 |
3,6 |
1,9 |
3,0 |
2,4 |
2,5 |
1,9 |
ofwhichwithmaturity: |
|
|
|
|
|
|
|
|
upto 1 month |
1,7 |
0,3 |
2,6 |
0,6 |
1,5 |
2,1 |
1,1 |
3,5 |
from 1 to 3 month |
1,7 |
0,9 |
3,1 |
2,0 |
2,4 |
3,5 |
2,3 |
0,9 |
from 3 monthto 1 year |
2,5 |
2,6 |
3,9 |
2,7 |
3,8 |
1,6 |
3,8 |
0,6 |
from 1 to 3 years |
- |
- |
- |
- |
- |
- |
- |
- |
from 1 to 5 years |
5,3 |
3,3 |
6,1 |
1,4 |
5,6 |
3,6 |
5,6 |
4,3 |
over 3 years |
- |
- |
- |
- |
- |
- |
- |
- |
over 5 years |
10,0 |
5,7 |
7,0 |
2,9 |
10,3 |
2,8 |
6,4 |
1,0 |
Deposits of individuals |
6,4 |
6,1 |
6,7 |
4,7 |
6,7 |
5,1 |
6,4 |
5,2 |
including: |
|
|
|
|
|
|
|
|
Demand deposits |
0,0 |
0,1 |
0,0 |
0,0 |
0,0 |
0,0 |
0,1 |
0,0 |
conditional |
7,4 |
4,0 |
4,4 |
5,9 |
4,9 |
0,1 |
1,2 |
5,8 |
Time deposits, total |
8,4 |
6,4 |
8,3 |
5,1 |
7,9 |
5,5 |
7,9 |
5,4 |
Of which with maturity: |
|
|
|
|
|
|
|
|
Up to 1 month |
1,0 |
0,5 |
5,7 |
1,3 |
0,2 |
1,1 |
1,2 |
1,6 |
from 1 to 3 month |
6,5 |
1,7 |
6,5 |
3,0 |
4,3 |
2,6 |
4,4 |
2,5 |
from 3 month to 1 year |
8,4 |
4,9 |
8,0 |
4,5 |
8,0 |
5,3 |
8,1 |
4,3 |
from 1 to 3 years |
- |
- |
- |
- |
- |
- |
- |
- |
from 1 to 5 years |
9,3 |
7,3 |
8,8 |
6,1 |
8,8 |
6,0 |
8,7 |
6,8 |
over 3 years |
- |
- |
- |
- |
- |
- |
- |
- |
over 5 years |
3,5 |
7,8 |
5,4 |
6,4 |
3,4 |
4,6 |
3,7 |
5,8 |
Source www.nationalbank.kz
Appendix 3
Loans and advances from banks and other financial institutions
Recorded at amortized cost: |
December 31, 2012 (mln. tenge) |
December 31, 2011 (mln. tenge) |
December 31, 2010 (mln. tenge) |
Correspondent accounts of other banks |
2,348 |
3,322 |
1,940 |
Correspondent accounts of organizations that serve certain types of banking operations |
171 |
180 |
227 |
Loans from banks and other financial institutions, including: |
|
|
|
Loan with maturity of June 2014 |
8,378 |
14,960 |
23,037 |
Loan with maturity of December 2013 |
3,302 |
- |
- |
Loan with maturity of December 2012 |
- |
1,045 |
- |
Loan with maturity of August 2011 |
- |
- |
148 |
Loans from other banks and financial institutions |
24,289 |
44,433 |
121,760 |
Loans under repurchase agreements |
71,486 |
27,937 |
26 |
In total |
109,974 |
91,877 |
147,138 |
Note – source website www.kkb.kz |
|
|
|