 К вопросу об оценке реальной стоимости банковского капиталаКазанский А. В. Vestnik of the St. Petersburg University. Series 5. Economics Вестник Санкт-Петербургского университета. Серия 5. Экономика, 2005, issue 1, 84-91 Abstract: The article is dedicated to the estimation of the bank equity. The author argues that the size of the bank equity based on the balance sheet data does not necessarily mean the bank's financial solidity. In order to assess it correctly some additional data, which is not taking into account according to the central bank methodology, should be also used. For example, delays in money transfer may seriously affect a bank's ability to pay its debts in time, thus the amount of such transfers should be deducted from the amount of the bank's assets. Loans provided without guarantee must be assessed with regard to a probability of their return to the bank basing on the loan period. In the same time, the size of the bank's assets is to be adjusted for the difference of a loan amount multiplied on (l-K/100) coefficient, where K means the probability of a loan return. These adjustments will help to calculate the real size of assets. The bank's real assets minus its liabilities is the amount of the bank's own equity. Date: 2005 Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:scn:003571:15251930 Access Statistics for this article More articles in Vestnik of the St. Petersburg University. Series 5. Economics Вестник Санкт-Петербургского университета. Серия 5. Экономика from CyberLeninka, Федеральное государственное бюджетное образовательное учреждение высшего образования «Санкт-Петербургский государственный университет» |
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