Economic analysis of bank activities. Synergy Test

Passed with 80 points in 2021. 24 out of 30 questions are correct. A screenshot with a mark is attached to the work. Answers are highlighted in color in Worde. After the purchase, you will receive a file with answers to the questions listed below: A decrease in the estimated reserve for loan and similar debt with an increase in the volume of loan debt may indicate that ... the volume of interest income received in the bank is growing, but at the same time more intensively interest expenses paid are growing; the bank is reducing the volume of loans issued with a high degree of risk; the bank is reducing the volume of lending due to a decrease in the creditworthiness of borrowers. The coefficient showing the adequacy of financing of “long” assets by attracting short-term liabilities is ... the capital adequacy standard (ratio) net ratio loan on the interbank market coverage ratio standard (ratio) of current liquidity The indicator that reduces the amount of bank capital is ... inadequate assets subordinated loan for a period of more than 5 years assets share premium When considering the main balance sheet items, it is necessary to keep in mind that banks are not required to disclose ... composition the founders of the bank, indicating the number of shares they own, the size of the so-called “confidential reserves”, the actual size and ratio of their profits and losses To characterize the qualitative composition of the bank’s own funds, the immobilization coefficient is used, calculated as the ratio of the amount of immobilization to the value of ... own funds - gross long-term assets of own funds – net Not having the financial resources to pay the declared dividends on shares and interest on bonds at the end of the year in full, the bank can... set a reduced interest rate on bonds so that there are enough funds to pay dividends on shares, pay dividends on shares, and send the remaining funds to pay interest on bonds, pay interest on bonds, and pay dividends at the expense of the bank's reserve fund, pay interest on bonds, and use the remaining funds to pay dividends on shares. It is not true that a contribution to the authorized capital of a bank can (may) be ... intangible assets owned by the founders of the bank; completed building (premises) owned by the founders of the bank, in which the bank can be located; property in the form of ATMs and terminals owned by the founders of the bank; raised funds; funds received in payment for shares; Credit ratio bank activity is ... the ratio of the amount of loans attributed to overdue loans to the amount subject to repayment for the period under review, the ratio of the amount of issued loans, except for interbank ones, to the size of the client base; the ratio of the amount of issued loans, with the exception of interbank ones, to the amount of net assets. The indicator that reduces the amount of the bank's fixed capital is ... assets share premium subordinated loan with a term of less than 30 years not fully formed authorized capital of the bank net assets It is not true that the share ... is an indicator of the bank’s business activity in the financial market of assets directly involved in income-generating operations, raised funds allocated for loans, deposits of individuals immobilized by the bank, other things being equal, deductions to bank reserve funds ... do not change the amount of equity capital increase the amount of equity capital increase the amount of equity capital, if provided for in the constituent documents reduce the amount of equity capital

The liquidity deficit ratio is calculated ... as a percentage of the absolute amount of liquidity deficit to the amount of demand liabilities + uncovered loss + reserves for possible losses on an accrual basis as a percentage of the absolute amount of liquidity deficit to the total amount of liabilities as a percentage of the total amount of liabilities to the total amount of claims of the bank on an accrual basis as a percentage of the absolute amount of the liquidity deficit to the total amount of demand liabilities Net interest margin is... It is not true that the assessment of the bank's assets is carried out based on the results of the assessment... Indicators that reduce the bank's capital include... subordinated loan at cost below the market uncovered losses of the current year and previous years, the increase in the value of property due to revaluation, the excess of investments in fixed assets over the sum of sources of fixed and additional capital. It is not true that the sources of the bank’s own funds include... When deciding on the placement of funds, information for the bank’s creditors .. is mandatory To analyze the validity of the reserve formed by the bank for possible loan losses, it is necessary to use an indicator reflecting the ability of bank management to control its expenses - this is ... return on total capital profit per unit of income return on income-generating assets Situation when more than 50% The bank receives interest income from lending operations, but at the same time, the costs of raising funds account for about 90% of the bank’s interest expenses, first of all, this may be a consequence of ... the bank’s attraction of pawn loans from the Bank of Russia, the bank’s attraction of funds from individuals on demand, the shortfall in income on loans For assessment bank's profitability, the bank's profit ratio indicator is used... It is not true that the calculation of the bank's capital immobilization includes... In accordance with the balance sheet, the sources of the bank's own funds include... The sources of the bank's additional capital include... Article 1 “Cash” included in the bank’s balance sheet includes... Analyzing the bank’s financial statements, transactions that cause changes in both the assets and liabilities of the balance sheet, reducing the balance sheet total by the amount of the transaction, should include... To carry out analysis and assessment economic situation of banks, it is necessary to use... Reserve capital is formed due to... Bank income received from other sources includes(s) The purpose of economic analysis in a bank is...

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Economic analysis of a bank’s activities is an integrated approach to the study of a bank’s financial performance, which allows one to assess its financial condition, efficiency of resource management and competitiveness in the market. The Synergy Test is a special tool designed to carry out such an analysis. It includes a set of methods and algorithms that allow for a detailed analysis of a bank’s financial statements, identifying its strengths and weaknesses, assessing risks and predicting future development. The results of the Synergy test help bank management make informed decisions and optimize management processes.

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