Question

Совокупные вклады коммерческого банка составляют 275 млн. рублей, ставка по вкладам 10% годовых. Норма обязательных резервов 20%. Рассчитайте процентную ставку по кредитам, если банк планирует получить прибыль в 40 млн. рублей.

Answer 1

Решение:
275*0,10 = 27,5 – обязательные выплаты по депозитам.
(275-27,5)*0,20 = 49,5 - величина обязательных резервов, эту часть суммы вкладов коммерческий банк должен зачислить на счет отделения Центрального банка. 275-49,5 = 225,5 – величина избыточных резервов, это разность между общими резервами банка и обязательными резервами.
225,5+40 = 265,5,5 - ссудный потенциал банка.
265,5/225,5*100% = 17,7% - процентная ставка по кредитам.

Answer 2

Calculation of the Interest Rate on Loans

To calculate the interest rate on loans, we need to consider the total deposits of the commercial bank, the required reserve ratio, and the desired profit.

Given: - Total deposits of the bank: 275 million rubles - Deposit interest rate: 10% per annum - Required reserve ratio: 20% - Desired profit: 40 million rubles

To calculate the interest rate on loans, we can use the following formula:

Interest Rate on Loans = (Desired Profit + Reserve Requirement) / (Total Deposits - Reserve Requirement) * 100

Let's plug in the values and calculate the interest rate on loans:

Reserve Requirement = Total Deposits * Required Reserve Ratio = 275 million rubles * 20% = 55 million rubles

Interest Rate on Loans = (40 million rubles + 55 million rubles) / (275 million rubles - 55 million rubles) * 100

Simplifying the equation:

Interest Rate on Loans = 95 million rubles / 220 million rubles * 100

Calculating the result:

Interest Rate on Loans = 43.18%

Therefore, the commercial bank would need to set an interest rate of approximately 43.18% on loans in order to achieve a desired profit of 40 million rubles.

Please note that the calculated interest rate is an approximation and may not take into account other factors that could affect the actual interest rate set by the bank.