Äèïëîìíàÿ ðàáîòà: Àíàëèç äåÿòåëüíîñòè áàíêà íà ðûíêå ïîòðåáèòåëüñêîãî êðåäèòîâàíèÿ íà ïðèìåðå ÎÎÎ "Õîóì Êðåäèò ýíä Ôèíàíñ Áàíêà"

|     | Ðàçäåë 4. Îòðèöàòåëüíàÿ ïåðåîöåíêà   |         |              |              |               |

|     |                                                |         |              |              |               |

|     | 1. Îòðèöàòåëüíàÿ ïåðåîöåíêà öåííûõ áóìàã,      |       |              |        |         |

|     |    ñðåäñòâ â èíîñòðàííîé âàëþòå, äðàãîöåííûõ   |         |        |       |               |

|     |    ìåòàëëîâ                                    |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Öåííûõ áóìàã (áàëàíñîâûé ñ÷åò ¹ 70607, ïðè | 24101 | 378| õ | 378|

|     |  ñîñòàâëåíèè ãîäîâîãî áóõãàëòåðñêîãî îò÷åòà -  |      |        |         |               |

|     |  áàëàíñîâûé ñ÷åò ¹ 70707)                      |         |              |              |               |

| 2 | Ñðåäñòâ â èíîñòðàííîé âàëþòå (áàëàíñîâûé|24102|13552320| õ | 13552320|

|     |  ñ÷åò ¹ 70608, ïðè ñîñòàâëåíèè ãîäîâîãî áóõãàë-|      |        |              |    |

|     |  òåðñêîãî îò÷åòà - áàëàíñîâûé ñ÷åò ¹ 70708)    |       |       |            |               |

|   3 |  Äðàãîöåííûõ ìåòàëëîâ (áàëàíñîâûé ñ÷åò ¹ 70609,| 24103   |   0|   õ  |  0|

|     |  ïðè ñîñòàâëåíèè ãîäîâîãî áóõãàëòåðñêîãî       |         |     |       |               |

|     |  îò÷åòà - áàëàíñîâûé ñ÷åò ¹ 70709)             |         |      |              |               |

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 24101-24103    |     0   |      13552698|  õ       |  13552698|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 2. Ðàñõîäû îò ïðèìåíåíèÿ âñòðîåííûõ ïðîèçâîäíûõ|      |      |       |      |

|     |    èíñòðóìåíòîâ, íåîòäåëÿåìûõ îò îñíîâíîãî     |     |        |       |               |

|     |    äîãîâîðà (áàëàíñîâûé ñ÷åò ¹ 70610, ïðè      |         |       |      |               |

|     |    ñîñòàâëåíèè ãîäîâîãî áóõãàëòåðñêîãî îò÷åòà -|         |      |          |    |

|     |    áàëàíñîâûé ñ÷åò ¹ 70710):                   |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Îò èçìåíåíèÿ êóðñà öåííîé áóìàãè    | 24201   |             0|      õ       |  0|

|   2 |  Îò èçìåíåíèÿ âàëþòíîãî êóðñà        | 24202   |           544|      õ       |  544|

|   3 |  Îò èçìåíåíèÿ èíäåêñà öåí           | 24203   |             0|      õ       |              0|

|   4 |  Îò èçìåíåíèÿ äðóãèõ ïåðåìåííûõ     | 24204   |             0|      õ       |     0|

+-----+----------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 24201-24204      |     0   |           544|      õ       |   544|

+-----+---------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ðàçäåëó 4      |     0   |      13553242|      õ       |       13553242|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | Ðàçäåë 5. Äðóãèå îïåðàöèîííûå ðàñõîäû    |         |              |              |  |

|     |                                                |         |              |              |               |

|     | 1. Ðàñõîäû ïî ðàñ÷åòíûì (áåñïîñòàâî÷íûì)       |         |              |              |  |

|     |    ñðî÷íûì ñäåëêàì                             |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  îò èçìåíåíèÿ ñòàâêè ïðîöåíòà    | 25101   |         56415|             0|  56415|

|   2 |  îò èçìåíåíèÿ êóðñà öåííîé áóìàãè    | 25102   |             0|             0|   0|

|   3 |  îò èçìåíåíèÿ âàëþòíîãî êóðñà   | 25103   |       1236488|   18744|  1255232|

|   4 |  îò èçìåíåíèÿ èíäåêñà öåí        | 25104   |             0|             0|              0|

|   5 |  îò èçìåíåíèÿ äðóãèõ ïåðåìåííûõ    | 25105   |             0|             0|   0|

+-----+-------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 25101-25105     |     0   |       1292903|   18744|  1311647|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 2. Êîìèññèîííûå ñáîðû                          |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Çà ïðîâåäåíèå îïåðàöèé ñ âàëþòíûìè öåííîñòÿìè | 25201 |     0|     0|   0|

| 2 | Çà ðàñ÷åòíî-êàññîâîå îáñëóæèâàíèå è âåäåíèå | 25202 | 39279| 1015|40294|

|     |  áàíêîâñêèõ ñ÷åòîâ                             |         |              |              |               |

|   3 |  Çà óñëóãè ïî ïåðåâîäàì äåíåæíûõ ñðåäñòâ,      | 25203   |    0|       54|  54|

|     |  âêëþ÷àÿ óñëóãè ïëàòåæíûõ è ðàñ÷åòíûõ ñèñòåì   |         |              |    |   |

|   4 |  Çà ïîëó÷åííûå ãàðàíòèè è ïîðó÷èòåëüñòâà       | 25204   |             0|   0|    0|

| 5 |  Çà îêàçàíèå ïîñðåäíè÷åñêèõ óñëóã ïî áðîêåðñ-  | 25205   |  2970|    0| 2970|

|   |  êèì è àíàëîãè÷íûì äîãîâîðàì        |         |              |              |               |

|   6 |  Ïî äðóãèì îïåðàöèÿì      | 25206   |        243224|        433328|         676552|

+-----+-------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 25201-25206      |  0   |   285473|  434397|         719870|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 3. Äðóãèå îïåðàöèîííûå ðàñõîäû       |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Îò ïåðåäà÷è àêòèâîâ â äîâåðèòåëüíîå óïðàâëåíèå| 25301   |    0|    0|  0|

| 2 | Îò÷èñëåíèÿ â ðåçåðâû íà âîçìîæíûå ïîòåðè | 25302|14153580|õ|14153580|

|   3 |  Ïðî÷èå îïåðàöèîííûå ðàñõîäû    | 25303   |  2837372|      0|        2837372|

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 25301-25303    |     0   | 16990952|      0|       16990952|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ðàçäåëó 5            |     0   |      18569328|        453141|       19022469|

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | Ðàçäåë 6. Ðàñõîäû, ñâÿçàííûå ñ îáåñïå÷åíèåì    |       |              |              |   |

|     | äåÿòåëüíîñòè êðåäèòíîé îðãàíèçàöèè     |         |              |              |               |

|     |                                                |         |              |              |               |

|     | 1. Ðàñõîäû íà ñîäåðæàíèå ïåðñîíàëà         |         |              |     |               |

|     |                                                |         |              |              |               |

| 1 | Ðàñõîäû íà îïëàòó òðóäà, âêëþ÷àÿ ïðåìèè è | 26101 | 3568734|  0| 3568734|

|     |  êîìïåíñàöèè                                   |         |              |              |               |

|2 |  Íàëîãè è ñáîðû â âèäå íà÷èñëåíèé íà çàðàáîòíóþ| 26102|731756|0|731756|

|     |  ïëàòó, óïëà÷èâàåìûå ðàáîòîäàòåëÿìè â ñîîòâåòñ-|         |     |        |    |

|     |  òâèè ñ çàêîíîäàòåëüñòâîì Ðîññèéñêîé Ôåäåðàöèè |     |         |       |     |

|   3 |  Ðàñõîäû, ñâÿçàííûå ñ ïåðåìåùåíèåì ïåðñîíàëà   | 26103   |   0|   0|  0|

|     |  (êðîìå ðàñõîäîâ íà îïëàòó òðóäà)     |         |              |              |               |

| 4 | Äðóãèå ðàñõîäû íà ñîäåðæàíèå ïåðñîíàëà    | 26104   |  128539|  43|128582|

+-----+--------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 26101-2610 |     0   |       4429029|      43|        4429072|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 2. Àìîðòèçàöèÿ                                 |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Ïî îñíîâíûì ñðåäñòâàì       | 26201   |        325907|      õ       |         325907|

|   2 |  Ïî îñíîâíûì ñðåäñòâàì, ïîëó÷åííûì â ôèíàíñîâóþ| 26202   |  0|      õ |0|

|     |  àðåíäó (ëèçèíã)                               |         |              |              |               |

|   3 |  Ïî íåìàòåðèàëüíûì àêòèâàì    | 26203   |           268|      õ       |            268|

+-----+-----------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 26201-26203    |     0   |        326175|  õ  |         326175|

+-----+--------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 3. Ðàñõîäû, ñâÿçàííûå ñ ñîäåðæàíèåì (ýêñïëóà-  |     |       |       |               |

|     |    òàöèåé) èìóùåñòâà è åãî âûáûòèåì    |         |              |              |               |

|     |                                                |         |              |              |               |

| 1 |  Ðàñõîäû ïî ðåìîíòó îñíîâíûõ ñðåäñòâ è äðóãîãî | 26301   | 7231|  4| 7235|

|     |  èìóùåñòâà                                     |         |              |              |               |

| 2 | Ðàñõîäû íà ñîäåðæàíèå îñíîâíûõ ñðåäñòâ è äðó- | 26302 |108554|0|108554|

|     |  ãîãî èìóùåñòâà (âêëþ÷àÿ êîììóíàëüíûå ðàñõîäû) |     |         |     |       |

| 3 | Àðåíäíàÿ ïëàòà ïî àðåíäîâàííûì îñíîâíûì | 26303   | 708670| 90| 708760|

|     |  ñðåäñòâàì è äðóãîìó èìóùåñòâó    |         |              |              |               |

|   4 |  Ïëàòà çà ïðàâî ïîëüçîâàíèÿ îáúåêòàìè èíòåë- |26304|84043|15267|99310|

|     |  ëåêòóàëüíîé ñîáñòâåííîñòè                     |         |              |              |               |

|5 |Ïî ñïèñàíèþ ñòîèìîñòè ìàòåðèàëüíûõ çàïàñîâ| 26305   |  129139|õ | 129139|

|   6 |  Ïî óöåíêå îñíîâíûõ ñðåäñòâ          | 26306   |             0|      õ       |              0|

|   7 |  Ïî âûáûòèþ (ðåàëèçàöèè) èìóùåñòâà     | 26307   |  4071|  õ |           4071|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 26301-26307    |   0   |  1041708| 15361|        1057069|

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 4. Îðãàíèçàöèîííûå è óïðàâëåí÷åñêèå ðàñõîäû    |         |        |      |     |

|     |                                                |         |              |              |               |

|   1 |  Ïîäãîòîâêà è ïåðåïîäãîòîâêà êàäðîâ   | 26401   | 22037|   1885|23922|

|   2 |  Ñëóæåáíûå êîìàíäèðîâêè   | 26402   |         71194|          5761|          76955|

|   3 |  Îõðàíà                     | 26403   |         61173|             0|          61173|

|   4 |  Ðåêëàìà                    | 26404   |         84937|             0|          84937|

|   5 |  Ïðåäñòàâèòåëüñêèå ðàñõîäû    | 26405   |    12865|          5659|          18524|

|6 |Óñëóãè ñâÿçè, òåëåêîììóíèêàöèîííûõ è èíôîð-|26406|679985|8400|688385|

|     |  ìàöèîííûõ ñèñòåì                              |         |              |              |               |

|   7 |  Ñóäåáíûå è àðáèòðàæíûå èçäåðæêè  | 26407   |             1|             0|  1|

|   8 |  Àóäèò                    | 26408   |         11435|            12|          11447|

|   9 |  Ïóáëèêàöèÿ îò÷åòíîñòè          | 26409   |             4|             0|              4|

|  10 |  Ñòðàõîâàíèå                | 26410   |          6806|             0|           6806|

|  11 |  Íàëîãè è ñáîðû, îòíîñèìûå íà ðàñõîäû â ñîîò-| 26411|19824| 66|719890|

|     |  âåòñòâèè ñ çàêîíîäàòåëüñòâîì Ðîññèéñêîé Ôåäå- |         |          |       |  |

|     |  ðàöèè                                         |         |              |              |               |

|12|Äðóãèå îðãàíèçàöèîííûå è óïðàâëåí÷åñêèå|26412|611228|401267|1012495|

|     |  ðàñõîäû                                       |         |              |              |               |

+-----+------------------------+---------+--------------+--------------+---------------+

|   |  Èòîãî ïî ñèìâîëàì 26401-26412   |     0   |       2281489|   423050|   2704539|

+-----+-----------------------------+---------+--------------+--------------+---------------+

|   |  Èòîãî ïî ðàçäåëó 6    |     0   |       8078401|        438454|        8516855|

+-----+-------------------------------+---------+--------------+--------------+---------------+

Èòîãî ïî ãðóïïå ðàñõîäîâ Á "Îïåðàöèîííûå ðàñ-|0|40201483|891595|41093078

|     |  õîäû" (3 - 6 ðàçäåëû)                         |         |              |              |               |

+-----+-------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | Â. Ïðî÷èå ðàñõîäû                              |         |              |              |               |

|     |                                                |         |              |              |               |

|     | Ðàçäåë 7. Ïðî÷èå ðàñõîäû                       |         |              |              |               |

|     |                                                |         |              |              |               |

|     | 1. Øòðàôû, ïåíè, íåóñòîéêè                     |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Ïî îïåðàöèÿì ïðèâëå÷åíèÿ è ïðåäîñòàâëåíèÿ     | 27101   |    0|    0|  0|

|     |  (ðàçìåùåíèÿ) äåíåæíûõ ñðåäñòâ          |         |              |              |               |

|   2 |  Ïî äðóãèì áàíêîâñêèì îïåðàöèÿì è ñäåëêàì      | 27102   | 0|      0|  0|

|   3 |  Ïî ïðî÷èì (õîçÿéñòâåííûì) îïåðàöèÿì    | 27103   |  37689|   0|   37689|

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 27101-27103    |  0   |        37689|             0|          37689|

+-----+-------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 2. Ðàñõîäû ïðîøëûõ ëåò, âûÿâëåííûå â îò÷åòíîì  |         |        |       |      |

|     |    ãîäó                                        |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Ïî îïåðàöèÿì ïðèâëå÷åíèÿ è ïðåäîñòàâëåíèÿ     | 27201   |   114|   0| 114|

|     |  (ðàçìåùåíèÿ) äåíåæíûõ ñðåäñòâ        |         |              |              |               |

|   2 |  Ïî äðóãèì áàíêîâñêèì îïåðàöèÿì è ñäåëêàì  | 27202   |     0| 0|              0|

|   3 |  Ïî ïðî÷èì (õîçÿéñòâåííûì) îïåðàöèÿì     | 27203   |   31230|      0|31230|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 27201-27203 |     0   |         31344|             0|          31344|

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | 3. Äðóãèå ðàñõîäû, îòíîñèìûå ê ïðî÷èì   |         |              |       |               |

|     |                                                |         |              |              |               |

|   1 |  Ïëàòåæè â âîçìåùåíèå ïðè÷èíåííûõ óáûòêîâ      | 27301   |      0|  0|  0|

|   2 |  Îò ñïèñàíèÿ íåäîñòà÷ ìàòåðèàëüíûõ öåííîñòåé   | 27302   |     0|   0|  0|

|   3 |  Îò ñïèñàíèÿ íåäîñòà÷ äåíåæíîé íàëè÷íîñòè,     | 27303   |    0|   0|  0|

|     |  ñóìì ïî èìåþùèì ïðèçíàêè ïîääåëêè äåíåæíûì    | |     |      |               |

|     |  çíàêàì                                        |         |              |              |               |

|   4 |  Îò ñïèñàíèÿ àêòèâîâ (òðåáîâàíèé) è íå âçûñ-   | 27304   |  0| 28064|28064|

|     |  êàííîé äåáèòîðñêîé çàäîëæåííîñòè        |    |              |              |               |

|   5 |  Ðàñõîäû íà áëàãîòâîðèòåëüíîñòü è äðóãèå    | 27305   |   682|  0|682|

|     |  àíàëîãè÷íûå ðàñõîäû                           |         |              |              |               |

|   6 |  Ðàñõîäû íà îñóùåñòâëåíèå ñïîðòèâíûõ ìåðîïðèÿ- | 27306 |  281|  0| 281|

|     |  òèé, îòäûõà, ìåðîïðèÿòèé êóëüòóðíî-ïðîñâåòèòå-|      |      |        |               |

|     |  ëüñêîãî õàðàêòåðà è èíûõ àíàëîãè÷íûõ ìåðîïðè- |         |        |       |     |

|     |  ÿòèé                                          |         |              |              |               |

|   7 |  Ðàñõîäû, âîçíèêàþùèå êàê ïîñëåäñòâèÿ ÷ðåçâû÷à-| 27307   |  0|     0|  0|

|     |  éíûõ îáñòîÿòåëüñòâ õîçÿéñòâåííîé äåÿòåëüíîñòè |    |    |      |               |

|   8 |  Äðóãèå ðàñõîäû                  | 27308   |        967542|          2053|         969595|

+-----+-----------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëàì 27301-27308      |     0   |        968505|30117|  998622|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ðàçäåëó 7       |     0   |       1037538|         30117|        1067655|

+-----+-----------------------------+---------+--------------+--------------+---------------+

| |  Èòîãî ïî ãðóïïå ðàñõîäîâ  "Ïðî÷èå ðàñõîäû" | 0 | 1037538|30117|1067655|

|     |  (ðàçäåë 7)                                    |         |              |              |               |

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | Ðàçäåë 8. Ïðåâûøåíèå èñïîëüçîâàííîé ïðèáûëè íàä|         |     |        |    |

|     | ôàêòè÷åñêè ïîëó÷åííîé ëèáî ïðè ôàêòè÷åñêè      |         |      |         |    |

|     | ïîëó÷åííîì óáûòêå                              |         |              |              |               |

|     |                                                |         |              |              |               |

|     | 1. Ïðåâûøåíèå èñïîëüçîâàííîé ïðèáûëè íàä       |         |       |          |  |

|     |    ôàêòè÷åñêè ïîëó÷åííîé ëèáî ïðè ôàêòè÷åñêè   |         |       |       |       |

|     |    ïîëó÷åííîì óáûòêå                           |         |              |              |               |

|     |                                                |         |              |              |               |

|   1 |  Ñóììû, ñïèñàííûå ñî ñ÷åòà ¹ 705 è îòíåñåííûå  | 28101   |      0|  õ | 0|

|     |  íà óáûòêè (â òå÷åíèå ãîäà îòðàæàåòñÿ â êîððåñ-|         |      |         |               |

|     |  ïîíäåíöèè ñî ñ÷åòîì 70501, ïðè ñîñòàâëåíèè ãî-|         |        |         |    |

|     |  äîâîãî áóõãàëòåðñêîãî îò÷åòà-ñî ñ÷åòîì 70502) |         |      |        |               |

+-----+-------------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ñèìâîëó 28101    |     0   |             0|      õ       |              0|

+-----+-----------------------------+---------+--------------+--------------+---------------+

|     |  Èòîãî ïî ðàçäåëó 8       |     0   |             0|      õ       |              0|

+-----+------------------------------+---------+--------------+--------------+---------------+

||Âñåãî ïî Ãëàâå II "Ðàñõîäû" (ðàçäåëû 1-8)|20000|43979562|3030884|47010446|

+-----+------------------------------+---------+--------------+--------------+---------------+

|     |                                                |         |              |              |               |

|     | III. ÔÈÍÀÍÑÎÂÛÉ ÐÅÇÓËÜÒÀÒ          |         |              |              |               |

|     |                                                |         |              |              |               |

|     |      Èòîãî ðåçóëüòàò ïî îò÷åòó                 |         |              |              |               |

|     |                                                |         |              |              |               |

|  |  1. Ïðèáûëü (ñèìâîë 10000 ìèíóñ ñèìâîë 20000)|33001|4791706|0|3240021|

|     |  2. Óáûòîê (ñèìâîë 20000 ìèíóñ ñèìâîë 10000)   | 33002  |  0|1551685| 0|

|     |                                                |         |              |              |               |

+-----+--------------------+---------+--------------+--------------+---------------+