Office of the formation of bank profits

The first step is to plan for revenue management, which is subordinated to the main policy objectives of the bank's profit management and a complex of actions for the calculation of income in the period ahead. The main points of entry for planning income of the bank is developed program, which determines the volume and composition of services provided in the coming period, the amount of income that will provide conditions for effective development of the bank during the planning period, developed a pricing policy of the bank. The main stages of planning income of the bank: 1. The analysis proceeds in the bank's pre-planning period. This type of analysis is aimed at finding opportunities to increase revenue, providing the necessary calculations to plan informative indices. In carrying out such an analysis are studied: 1) the dynamics of the total income of the bank in the pre-planning period, after the price comparisons, analyzed, defined by the rate of change in the total income of the bank on the stages of the reporting period (as the geometric mean) 2) the uniformity of the formation of income of the bank - to describe this uniformity of rates using standard deviation and coefficient of income variation thereof, 3) a comparison of net and gross income of the bank in the period analyzed - for these purposes is calculated and analyzed in the dynamics of the ratio of net income, and 4) the main factors influencing the change in the amount of income of the bank in a planned period - the analysis should focus on the change in sales of banking services, changes in the level of prices for services, etc. The results of the analysis allow to identify the major trends in income of the bank and take them into account when implementing the plan calculations. Topic: Fundamentals of Financial Management Bank