Instruction
1
Most financial transactions with money, securities, by individuals and legal entities, pass through the banking system. Banks make loans, take deposits, conducting foreign exchange transactions, make money transfers, execute payments, etc.
2
The Bank itself is a legal organization with their capital costs and profit. The Bank's profit is the positive financial value at the end of a certain period. Profit added to the capital of a credit institution and provides for the payment of dividends to shareholders.
3
To calculate the profit of the Bank must of all received income to deduct expenses. The Bank's revenues include the interest and additional income. Net interest income represents profit from the difference by a percentage of deposits (deposits) and interest on loans.
4
Additional (or operating) income is the difference between operating revenues and expenditures. Operating income – positive result to trade in securities to attract additional capital from other entities revaluation of securities from operations with currency and precious metals, leasing cells and safes, receiving commissions for transfers and payments, etc.
5
Operating costs – the negative result of additional operations of the Bank and the costs of personnel, depreciation of fixed assets and property, advertising expenses, communication services, training and staff development, security, contributions to provident funds, etc.
6
Net profit of the Bank is the amount of profit remaining after taxes and other mandatory payments to the state budget.
7
The profit of the Central state banks further includes a so-called santoriny income, which is generated during emission. The difference between the cost of production of banknotes and the nominal value.
