К разделам сайта: Домой Примеры Теория индексов Банки Физика
Банки Ростовской области по состоянию на 01.05.07.
В данной работе приведены графические материалы, полученные на основе публичных данных, представленных
в виде табл.1 с июля 2004 г. по май 2007 г.
Расчётные материалы для построения этих графиков в связи с громоздкостью материала выделены в отдельный файл "CalcBanks_2004_2007.htm"
Графики динамики.
Рис. 1.
Графическое сравнение темпов роста системы банков в целом, банка
Центр-инвест и системы банков без банка Центр-инвест.
Sys=RatesGrowthSystem;
SysOutCentrinv=RatesGrowthSysOutCinv;
Centrinvest=RatesGrowthObject(20,:);
IBRRBank = RatesGrowthObject(11,:);
time=1:size(RatesGrowthSystem,2);
plot(time,SysOutCentrinv,'k',time,Sys,'b',time,Centrinvest,'r')
grid on
title('Rates of growth')
xlabel(' month 07.04 – 05.07')
ylabel('Estimation')
legend('SysOutCentrinv','Sys','Centrinvest')
Рис.2. Графическое сравнение темпов роста системы банков в целом, банка
Центр-инвест и системы банков без банка Центр-инвест с банком ИБРР-БАНКА.
IBRRBank = RatesGrowthObject(11,:);
plot(time,SysOutCentrinv,'k',time,Sys,'b',time,Centrinvest,'r',time,IBRRBank ,'g')
grid on
title('Rates of growth')
xlabel(' month 07.04 – 05.07')
ylabel('Estimation')
legend('SysOutCentrinv','Sys','Centrinvest','IBRRBank')
Рис.3. Оценки роста факторов системы.
>> FZSys=mean(Z);
r=[3 2 1];
FZSys=permute(FZSys,r)
plot(time, FZSys(:,1), 'b', time, FZSys(:,2), 'g', time, FZSys(:,3), 'r', time, FZSys(:,4), 'c', time, FZSys(:,5), 'm', time, FZSys(:,6), 'y')
grid on
title('Rates of growth')
xlabel('month 07.04 – 05.07')
ylabel('Estimation')
legend('The capital','Credits','Other actives','Contributions of the population', 'Other deposits', 'Profit')
FZSys =
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.9866 0.9953 1.0111 0.9928 0.8333 1.1867
0.9732 0.9906 1.0223 0.9857 0.6665 1.3735
1.0348 1.0470 0.9710 1.0310 0.7024 1.6369
1.0964 1.1033 0.9197 1.0762 0.7382 1.9003
1.1396 1.1514 0.9512 1.1467 0.9419 2.0860
1.1827 1.1996 0.9827 1.2172 1.1456 2.2717
1.2036 1.2410 1.0154 1.2553 1.2338 1.7419
1.2245 1.2825 1.0481 1.2933 1.3219 1.2122
1.2454 1.3240 1.0809 1.3313 1.4100 0.6825
1.2453 1.3766 1.1318 1.3756 1.3678 0.8498
1.2339 1.4128 1.1576 1.3892 1.5521 1.1083
1.2226 1.4490 1.1833 1.4027 1.7365 1.3668
1.2362 1.4671 1.2671 1.4414 1.5971 1.6668
1.2498 1.4851 1.3508 1.4801 1.4578 1.9667
1.2772 1.4945 1.2320 1.5404 1.4214 2.3271
1.4788 1.5762 1.3358 1.5600 1.3129 2.5921
1.5404 1.6372 1.3509 1.6020 1.4775 3.0013
1.6020 1.6983 1.3660 1.6439 1.6420 3.4105
1.6236 1.6977 1.4766 1.7718 1.5726 1.9978
1.6453 1.6972 1.5872 1.8996 1.5032 0.5851
1.6725 1.8136 1.4838 1.9263 1.8569 0.9239
1.6834 1.8734 1.6132 1.9970 1.8876 1.2619
1.6694 1.9382 1.7305 2.0360 2.1319 1.6252
1.7021 2.0834 1.5377 2.1056 2.2196 2.0939
1.7180 2.1271 1.6611 2.1393 2.3420 2.5480
1.7340 2.1708 1.7845 2.1730 2.4644 3.0022
1.7720 2.3390 1.6804 2.2309 2.7261 3.5200
1.8877 2.4130 1.7667 2.3101 2.7191 2.9664
2.0033 2.4871 1.8531 2.3893 2.7122 2.4128
2.1189 2.5611 1.9394 2.4685 2.7052 1.8592
2.2345 2.6352 2.0258 2.5477 2.6982 1.3056
2.3502 2.7092 2.1121 2.6268 2.6912 0.7520
2.4095 3.0096 2.0496 2.6689 3.8827 1.2926
2.4676 3.3879 2.2239 2.7499 5.5036 1.4387
>>
Рис.4. Оценки роста факторов банка Центр-инвест.
CInv01=permute(Z(20,:,:),r);
for i=1:size(CInv01,1)
CInv02(i,:)=CInv01(i,:)./CInv01(1,:);
end
CInv02=CInv02;
plot(time, CInv02(:,1), 'b', time, CInv02(:,2), 'g', time, CInv02(:,3), 'r', time, CInv02(:,4), 'c', time, CInv02(:,5), 'm', time, CInv02(:,6), 'y')
grid on
title('Rates of growth')
xlabel('month 07.04 – 05.07')
ylabel('Estimation')
legend('The capital','Credits','Other actives','Contributions of the population', 'Other deposits', 'Profit')
Рис. 5. Оценка факторов системы без банка Центр-инвест.
%Рассматривается трёхмерный массив Z(i, j, k),
%i - строка,j - столбец, k - страница.
%Программа удаляет N-ю строку из массива.
function ZOutN = ZOut(Z, N)
for k = 1:size(Z, 3)
for j = 1:size(Z, 2)
for i = 1:(N - 1)
ZOutN(i, j, k) = Z(i, j, k);
end
for i = (N + 1):size(Z, 1)
ZOutN(i-1, j, k) = Z(i, j, k);
end
end
end
>> ZOut20 = ZOut(Z,20);
Out20 = mean(ZOut20);
r = [3 2 1];
Out20 = permute(Out20,r);
for k = 1:size(Out20,1)
Out20(k, :)= Out20(k,:)./Out20(1, :);
end
Out20 = Out20
plot(time, Out20(:,1), 'b', time, Out20(:,2), 'g', time, Out20(:,3), 'r', time, Out20(:,4), 'c', time, Out20(:,5), 'm', time, Out20(:,6), 'y')
grid on
title('Rates of growth')
xlabel('month 07.04 – 05.07')
ylabel('Estimation')
legend('The capital','Credits','Other actives','Contributions of the population', 'Other deposits', 'Profit')
Out20 =
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
0.7877 0.6465 0.7574 0.6431 0.4294 0.7819
0.7778 0.6490 0.7784 0.6323 0.3098 0.8652
0.7978 0.6740 0.7286 0.6553 0.3225 1.0392
0.8178 0.6990 0.6789 0.6783 0.3353 1.2133
0.8306 0.6938 0.6916 0.7136 0.3092 1.3046
0.8434 0.6885 0.7042 0.7489 0.2831 1.3959
0.8574 0.6985 0.6902 0.7700 0.2826 1.0050
0.8714 0.7084 0.6763 0.7911 0.2821 0.6142
0.8854 0.7184 0.6623 0.8122 0.2816 0.2233
0.8851 0.7492 0.7090 0.8404 0.3387 0.2988
0.8762 0.7589 0.7215 0.8377 0.3885 0.3604
0.8674 0.7685 0.7340 0.8351 0.4384 0.4220
0.8764 0.7816 0.7873 0.8471 0.4343 0.5565
0.8854 0.7946 0.8405 0.8591 0.4302 0.6910
0.8966 0.8107 0.7711 0.8844 0.4345 0.7637
0.9012 0.8343 0.8394 0.8882 0.4535 0.9291
0.9245 0.8576 0.8379 0.9282 0.4400 1.0882
0.9478 0.8810 0.8365 0.9683 0.4266 1.2473
0.9673 0.9019 0.8863 1.0450 0.4575 0.7374
0.9867 0.9229 0.9360 1.1217 0.4885 0.2275
1.0001 0.9490 0.8117 1.1315 0.4459 0.3541
0.9912 0.9943 0.8969 1.1883 0.4804 0.4406
1.0086 1.0089 0.9439 1.2064 0.5155 0.5797
1.0178 1.0444 0.8388 1.2457 0.4718 0.7131
1.0262 1.0563 0.9038 1.2553 0.4811 0.8895
1.0345 1.0683 0.9687 1.2648 0.4905 1.0659
1.0491 1.1360 0.8923 1.2939 0.4005 1.2038
1.0626 1.1523 0.9094 1.3243 0.4567 1.0142
1.0761 1.1685 0.9265 1.3548 0.5129 0.8245
1.0895 1.1848 0.9436 1.3852 0.5691 0.6349
1.1030 1.2010 0.9607 1.4157 0.6253 0.4453
1.1165 1.2173 0.9778 1.4461 0.6815 0.2556
1.1675 1.2473 0.9023 1.4406 0.7279 0.3694
1.2206 1.2537 1.0078 1.4714 0.7570 0.4663
>>
Сравнение темпов роста факторов.
Рис. 6. Оценка темпов роста капитала.
FZSys=FZSys;
FZOutCentrinvest=Out20;
FZCentrinvest=CInv02;
time=1:size(Z,3);
plot(time,FZSys(:,1),'m',time,FZOutCentrinvest(:,1),'k',time,FZCentrinvest(:,1),'r')
grid on
title('Rates of growth of the capital')
xlabel('month 07.04 – 05..07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
Рис. 7. Темпы роста кредитов.
time=1:size(Z,3);
plot(time,FZSys(:,2),'m',time,FZOutCentrinvest(:,2),'k',time,FZCentrinvest(:,2),'r')
grid on
title('Rates of growth of the Credits')
xlabel('month 07.04 – 05.07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
time=1:size(Z,3);
plot(time,FZSys(:,3),'m',time,FZOutCentrinvest(:,3),'k',time,FZCentrinvest(:,3),'r')
grid on
title('Rates of growth of the Other Actives')
xlabel('month 07.04 – 05.07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
time=1:size(Z,3);
plot(time,FZSys(:,4),'m',time,FZOutCentrinvest(:,4),'k',time,FZCentrinvest(:,4),'r')
grid on
title('Rates of growth of contributions of the population')
xlabel('month 07.04 – 05.07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
Ris 9.
Рис. 10. Другие депозиты.
time=1:size(Z,3);
plot(time,FZSys(:,5),'m',time,FZOutCentrinvest(:,5),'k',time,FZCentrinvest(:,5),'r')
grid on
title('Rates of growth of other deposits')
xlabel('month 07.04 – 05.07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
Ris 10.
Рис. 11. Прибыль.
time=1:size(Z,3);
plot(time,FZSys(:,6),'m',time,FZOutCentrinvest(:,6),'k',time,FZCentrinvest(:,6),'r')
grid on
title('Rates of growth of profit')
xlabel('month 07.04 – 03.07')
ylabel('Rates of growth')
legend('SysBabks','OutCentrinvest','Centrinvest')
Ris 11.
Расслоение банков по оценкам их мощности.
Темпы роста объектов.
1. 23. ЮжТоргбанк SouthernTradingBank
2. 13. МеТраКомБанк MetraComBank
3. 7. Доннародбанк DonPopBank
4. 16. Ростпрстрбанк RostPromStroyBank
5. 8. Донхлеббанк DonHlebBank
6. 5. Донинвестбанк DonInvest
Банки второй группы :
7. 21. Южный регион SouthernRegion
8. 22. Южрегионбанк SouthernRegionalBank
9. 4. Донбанк DonBank
10. 18. Стела-Банк StellaBank
11. 11. КОМТЕХ-банк IBRRbank
12. 6. Донкомбанк DonComBank
Банки третьей группы :
14. 17. Сельмащбанк SelMashBank
15. 2. Дон-Тексбанк DonTensBank
16. 12. КредитЭкспресс CreditFast
17. 15. Ростунив.банк RostovUniversalBank
18. 19. Таганрогбанк TaganrogBank
19. 10. Капиталбанк CapitaBank
Банки четвёртой группы :
20. 14. Морозагробанк RussianNationalBank
21. 1. Волгодонский VolgoDonGKB
22. 9. Земельный ZemComBank
Рис.12. Банки первой группы
SouthernTradingBank = RatesGrowthObject(23,:);
MetraComBank = RatesGrowthObject(13,:);
DonPopBank= RatesGrowthObject(7,:);
RostPromStroyBank = RatesGrowthObject(16,:);
DonHlebBank = RatesGrowthObject(8,:);
DonInvest = RatesGrowthObject(5,:);
for i=1:size(Z,3)
time(i)=i;
end
plot(time, SouthernTradingBank,'m',time, MetraComBank,'c',time, DonPopBank,'r',time, RostPromStroyBank,'g',time, DonHlebBank,'b',time, DonInvest,'k')
grid on
title('Rates of growth of banks of the first group.')
xlabel('month 07.04 – 05.07')
ylabel('Rates of Growth')
legend('SouthernTradingBank',' MetraComBank','DonPopBank','RostPromStroyBank','DonHlebBank','DonInvest')
7. 21. Южный регион SouthernRegion = RatesGrowthObject(21,:);
8. 22. Южрегионбанк SouthernRegionalBank = RatesGrowthObject(22,:);
9. 4. Донбанк DonBank = RatesGrowthObject(4,:);
10. 18. Стела-Банк StellaBank = RatesGrowthObject(18,:);
12. 6. Донкомбанк DonComBank = RatesGrowthObject(6,:);
13. 3. Донактивбанк DonAktivBank = RatesGrowthObject(3,:);
SouthernRegion = RatesGrowthObject(21,:);
SouthernRegionalBank = RatesGrowthObject(22,:);
DonBank = RatesGrowthObject(4,:);
StellaBank = RatesGrowthObject(18,:);
DonComBank = RatesGrowthObject(6,:);
DonAktivBank = RatesGrowthObject(3,:);
plot(time, SouthernRegion,'m',time, SouthernRegionalBank,'c',time, DonBank,'r',time, StellaBank,'g',time, DonComBank,'b',time, DonAktivBank,'k')
grid on
title('Rates of growth of banks of the second group.')
xlabel('month 07.04 – 03.07')
ylabel('Rates of Growth')
legend('SouthernRegion',' SouthernRegionalBank','DonBank','StellaBank','DonComBankk','DonAktivBank')
Ris13
Рис. 14. Банки третьей группы.
14. 17. Сельмащбанк SelMashBank = RatesGrowthObject(17,:);
15. 2. Дон-Тексбанк DonTensBank = RatesGrowthObject(2,:);
16. 12. КредитЭкспресс CreditFast = RatesGrowthObject(12,:);
17. 15. Ростунив.банк RostovUniversalBank = RatesGrowthObject(15,:);
18. 19. Таганрогбанк TaganrogBank =RatesGrowthObject(19,:);
19. 10. Капиталбанк CapitaBank = RatesGrowthObject(10,:);
SelMashBank = RatesGrowthObject(17,:);
DonTensBank = RatesGrowthObject(2,:);
CreditFast = RatesGrowthObject(12,:);
RostovUniversalBank = RatesGrowthObject(15,:);
TaganrogBank =RatesGrowthObject(19,:);
CapitaBank = RatesGrowthObject(10,:);
plot(time, SelMashBank,'m',time, DonTensBank,'c',time, CreditFast,'r',time, RostovUniversalBank,'g',time, TaganrogBank,'b',time, CapitaBank,'k')
grid on
title('Rates of growth of banks of the third group.')
xlabel('month 07.04 – 05.07')
ylabel('Rates of Growth')
legend('SelMashBank',' DonTensBank','CreditFast','RostovUniversalBank','TaganrogBank','CapitaBank')
Ris14.
Рис. 15. Банки четвёртой группы.
20. 14. Морозагробанк RussianNationalBank = RatesGrowthObject(14,:);
21. 1. Волгодонский VolgoDonGKB = RatesGrowthObject(1,:);
22. 9. Земельный ZemComBank = RatesGrowthObject(9,:);
RussianNationalBank = RatesGrowthObject(14,:);
VolgoDonGKB = RatesGrowthObject(1,:);
ZemComBank = RatesGrowthObject(9,:);
plot(time,RatesGrowthObject(14,:),'m',time,RatesGrowthObject(1,:),'c',time,RatesGrowthObject(9,:),'r')
grid on
title('Rates of growth of banks of the fourth group.')
xlabel('month 07.04 – 05.07')
ylabel('Rates of Growth')
legend('RussianNationalBank','VolgoDonGKB','ZemComBank')
Ris15
