Y3I>EK11ctoh pecnYI>U11kac11 ou11 ba ypta

3. Ea11 mu1uMu pao!l u11Ou«amop!l pu. Yw6y HH)l, aTOpJl 6aHK TH3HMHHHHr Hl\ O)l,HeT)l,a Ba MOJlH51 TH3HMH)l, cp OJlH51 KypcaTKHYJl HHH HcpO)l,aJl i1)l, .

20. 
    aHKJl KanHTaJlHHHHr eTapJlHJl rH MebepH (HOpMaTHBH). Yw6y HH)l, aTOp 6aHKJlapHHHr XycycHi1 KanHTaJlHHH yJl HHHr aKTHBJl Hra (OFHpJl TeHrJl wTHpHJlraH pHcKJl HH x,HcO6ra OJl
    

x,OJl)l, ) 6yJl HHc6aTH 6HJlaH x,HcO6Jl Ha)l,H. VI )l, aTOpHHHr MHl\)l,OpH a3eJl KeJl BJl Hra MyBOcpHl\
(Basel II) 12 cpOH3)l,aH KaM 6yJlMacJl rH JlO3HM.

20. 
    aHK TH3HMHHHHr yMyMHi1 ( aMH) aKTHBJlapHHH 51VIMra HHc6aTH. VI)l,eaJl x,OJlaT)l, yw6y HH)l, aTOp nO3HTHB Hl\ O)l,Hi1 )l, MHKaJl pHBO Jl eTraH MaMJl KaTJl p yYyH 80-100 cp H TawKHJl 3THwH JlO3HM.
    
21. 
    Ma6JlaFJl p (Kpe)l,HT Ba )l, nO3HTJl ) aJl l\HJlHHHJl wH Ba Oi1Jl TH pHJl HHHHr ypTaYa My)l,)l, Jl . HOpMaJl pHBO JlaHaeTra Hl\ cO)l, eTJl )l, 6y My)l,)l, Jl 6Hp 6HpHra MOc 6yJla)l, . AKc x,OJl)l, l\ i1H)l, rH HKKH x,OJlaT)l , H 6HpHHH Ky3aTHw MyMKHH: 1) 20-30 cp 3 KanHTaJl)l, H OpTHl\ Ma6JlaFJl pHH aJl l\HJlHw Ba Oi1Jl wTHpHw yHHHr pyx,caT 3THJl i1yl\OTHJl )l, pa acH)l,aH OwH6 KeTHwH MyMKHH; 2) 6aHK ceKTOpHHHHr cOcp x,OpH Hi1 Ma 6ypH51TJl H )l, cHHH wyH)l,ai1 )l, a eTa)l, H, l\ YOHKH MHJlJlHi1 BaJl Ta KypcHHH KyTHJl H)l, rH y3rapHwH 6aHK ceKTOpHHHHr KanHTaJlH3au,H51 )l, pa acHra x,aBcp TyF)l, 6OwJlai1)l,H. aHKJl HHHr y3 Ma 6ypH51TJlapHHH 20 cp
    

)l,apa acH)l,a TyJl l\O6HJlH51THra 3ra 6yJl OJl JlHrH, yJl pHH y3 KanHTaJl i1yl\OTHwHHH aHrJl Ta)l,H.

20. 
    Kpe)l,HT Ba )l, nO3HTJl HHr Bal\T My)l,)l,aTH cTpyKTypacH l\ i1 )l, rHYa 6yJl JlO3HM: My)l,)l,aTH 6Hp i1HJlraYa 6yJl Kpe)l,HT Ba )l, nO3HTJl yJlywH 30 cpOH3)l, H KaM; My)l,)l, TH 6Hp i1HJl)l,aH OpTHl\ Kpe)l,HT Ba )l, HTJl yJlywH 3ca 70 cp H3)l, ol\OpH. K,Hcl\ My)l,)l, Jl nyJlJl a 3ra 6yJl aH MaMJl 6aHK TH3HMH y3HHHHr acOcHi1 cp HKu,H51cHHH (51 HH aMFapMaJlapHH KOHcOJlH)l,au,H51 l\HJlHw Ba yJl HH HHBecTHu,H51Jlapra TpaHccpOpMau, 51Jl , HHBecTHu, Ba Hl\ )l,Hi1 ycHwra KyMaKJl Hw) HOpMaJl 6a apa OJl ai1)l, .
    
21. 
    aHKJl HHHr x,OpH Hi1 aKTHBJl 6HJlaH 6OFJlHl\ nO3Hu,H51 HHH 6aHK TH3HMHHHHr yMyMHi1 XycycHi1 KanHTaJlHra (a6cOJl MHl\)l,OpH 6yi1 ) HHc6aTH 20 cpOH3)l, H OpTHl\ 6yJl Jl JlO3HM. AKc x,OJl)l, , BaJl Ta KypcHHH KecKHH y3rapHwH)l,a 6aHK TH3MH yYyH l\ i1 Ol\ TJl pra OJl KeJl MyMKHH, ai1 Hl\ arap x,OpH Hi1 naccHBJlap (MaMJl Hl\ cO)l, ra Kpe)l, Ba HHBecTHu,H51Jlap,
    

254
MHJlJlHi1 6aHKJlap TOMOHH)l, H YHl\apHJlraH l\ MaTJlH l\ FO3Jl Ba 6Owl\ MOJlH51BHi1 HHcTpyMeHTJl p) x,OpH Hi1 aKTHBJlap)l, (YeT 3Jl YHl\ JlraH HHBecTHu,H51Jlap, x,OpH Hi1 wepHKJl ra 6epHJl ccy)l, Ba l\ap3Jlap, YeT 3Jl KOpXOHaJl HHHr l\ MMaTJl l\ FO3Jl H) aHYa Kyn 6yJl .

20. 
    51VIM)l,arH 6aHK aKTHBJl H yJlywH )l, MHKacHHH Hl\ O)l, r MOHeTH3au,H51 )l, pa acHra HHc6aTH. y HHc6aT Tax,MHHaH 100 cp 3HH TawKHJl 3THwH JlO3HM. Yw6y wapTHH 6y3HJl
    

l\ i1H)l, rHJlap)l,aH )l, JlOJl 6epHwH MyMKHH: 6aHK ceKTOpHHHHr KanHTaJlH3au,H51 )l, pa acH Ba 6apl\apOpJl naca51)l,H, yHHHr Hl\ HcO)l, T)l,arH nyJl pecypcJl ycTHpHwH Ba aMJl wH HMKOHH51 - Jl KaMa51)l,H, 51 6aHK TH3HMHHHHr Kpe)l, HMKOHH51TJl pH KaMa51)l,H eKH 6aHK TH3HMHHH x,OpH Hi1
HHBecTHu,H51Jl pra 6OFJlHl\Jl rH OpTa)l,H.

20. 
    aHKJl p aKTHBJlapH)l,a Kpe)l, nOpTcp Jl Hr yJlywH 45 cpOH3)l, OpTHl\ 6yJlHwH JlO3HM, YyHKH 6yH)l, H KaM 6yJl , 6aHKJlapHHHr cp OJlH51 H YeT 3Jl Onepau,H51Jl pHra eKH cpOH)l, HHcTpyMeHTJl 6HJlaH 6OFJlHl\ cneKyJl51 Onepau,H51Jl ra TOMOH OFa)l,H.
    
21. 
    aHKJlapHHHr XycycHi1 KanHTaJlH peHTa6eJlJlHrH – ROE KO3cpcpHu, HTH (51bHH, 6aHKJlapHHHr cOcp cpOi1)l, H XycycHi1 KanHTaJl ra HHc6aTH). PHBO Jl HaeTraH MaMJlaKaTJlap)l, 6y KypcaTKHY 15 cpOH3)l, H KaM 6yJl Jl rH JlO3HM. y HH)l, aTOp 6aHK ceKTOpH KanHTaJlHHHHr BIS (Basel Institute of Settlements) 6yi1 Ya eTapJlHJl rH KypcaTKHYH 6HJl 6Hpra KypHJla)l, . Yw6y KypcaTKHYJlap acOcH)l,a 6aHK TH3HMHHHHr )l, pOMa)l,JlHJl TeH)l,eHu,H51 H Ba 6apl\apOpJlHJl x,aM)l,a T0P-25 BaKHJlJl pH 6yJl aJlOx,H)l, 6aHKJlap Tax,JlHJl l\HJlHHa)l,H.
    
22. 
    aHKJl aKTHBJl peHTa6eJlJl rH – ROA KO3cpcpHu, HTH (6aHKJlap HHHr cOcp cpOi1)l, cHHH aKTHBJl ra HHc6aTH). PHBO Jl aeTraH MaMJl KaTJlap)l, 6y KypcaTKHY 1-2 cp H3)l, KaM 6yJlMacJl H Jl 3HM. ROA KO3cpcpHu, r nacT )l, pa acH “The Banker” p3HKHHrH)l,arH 6aHKJlapHHHr T0P-1000 ypTaYa KypcaTKHYHra MOc KeJl )l, Ba 6aHK ceKTOpH yYyH KanHTaJl OnTHMaJl pHYarHHH 6eJlrHJl i1)l, .
    
23. 
    aHKJl pHHHr Kpe)l, nOpTcp JlH)l, rH “eMOH” Kpe)l,HTJl p yJlywH. Yw6y Me3OHHHHr 10 cpOH3Jl MHl\)l,OpH pHBO Jl eTraH MaMJl KaTJl p yYyH l\ i1H)l, rH Jl aHrJl Ta)l,H: Hl\ O)l, r HeraTHB pHBO Jl wH cu, pHi1cH)l,a 6aHK Jl p KanHTaJlHHHHr Tax,MHHaH yY)l, 6HpH 3apapra e3HJl wH MyMKHH, 6y x,OJl)l, TH3HMJlH 6aHK HHl\HpO3HHHHr pHBO Jl HHwH 3x,THMOJl y)l, ol\ 6yJl )l,H.
    
24. 
    aHK TH3HMHHHHr KOHu, au,H51 )l, pa acH. Yw6y HH)l, aTOpHHHr HOpMaJl )l, pa acHHH aHHl\Jlaw)l,a 80:20 HHc6aT)l,a napeTO npHHu, nH (TaMOi1HJlH) l\ JlJl HHJla)l,H, 51bHH 20 cp H3 6aHKJlapra 80 cpOH3 6aHK TH3HMH aKTHBJl pH (eKH KanHTaJl ) TyFpH KeJla)l,H. Arap wy HHc6aTra eKH yHra 51l\ H MHl\)l,Opra pHO51 l\HJlHHca, 6aHK ceKTOpHHHHr KOHu, au,H51 )l, pa acH yMyMaH OJl aH)l, HOpMaJl x,HcO6Jl Ha)l,H. y HHc6aT)l,aH OFHw MaMJl KaT)l,a KanHTaJlHH Ba/eKH aKTHBJl HH Tal\cHMJl HHwH TH3HMH HOOnTHMaJl waKJlJl aHH)l, )l,aJlOJl 6epa)l, .
    
25. 
    aHKJl HHr 6aHKJl Kpe)l,HTJlawra 6OFJlHl\Jl rH, 6aHKJl Kpe)l,HTJlapHH 6aHKJl naccHBJl pHra HHc6aTH 20-25 cpOH3)l,aH OwMacJl JlO3HM. Yw6y HH)l, aTOpra pHO51 l\HJlMacJl , 6aHKJlapHHHr Kyn l\ MH y3 cp HKu,H51cHHH 6a apMacJl HH aHrJl )l, . yH)l, H Tawl\apH, l\ l\ My)l,)l, TJl 6aHKJlapapO 6O3Op x,HcO6Hra Kpe)l,HTJl wHH MOJlH51Jl wTHpHw l\ wHMYa pHcKJl HH y3H)l,a My accaMJl wTHpa)l,H, 51 6aHKJlapapO Kpe)l,HTJl p 6O3OpHHHHr JlOKaJl HHl\ O3H (KpH3HcH) 6aHK TH3HMHHHHr yMyMHi1 KpH3HcHHH “)l,OMHHO” npHHu, 6yi1HYa KeJl H6 YHl\apHwH MyMKHH.