result of the work of the bank in the first place is associated with the correct "play" on the exchange rate.And because it's a game, there is always someone is a loser.However, in the case of the Bank, is suffering not only himself, but also its customers.Therefore, the investor, like anyone else, should be interested in what the foreign exchange position of the bank, as it was from her will depend on possible losses related to changes in the exchange rate.And it affects the whole of his fate!
So what is the foreign currency position, and how it affects the efficiency of the bank?
First of all, it is the ratio of the bank's assets and liabilities, calculated on a separate currency transactions in which it produces.At the same time it can be opened and closed.The open currency position means that the amount of assets and liabilities at that particular currency are not the same, ie,in the event of a change in its exchange rate, the bank will arise profit or loss.There are long and short open currency position.If the currency position - long, the bank's receivables exceed payables, iehe will win by increasing the exchange rate of foreign currency, and the loser - when it falls.A short position is, in turn, involves completely the opposite: the bank's liabilities to its creditors exceed the requirements of its debtors, so it is advantageous not to increase, and depreciation.
Many, of course, is now thought that much better to foreign currency position was closed: and not have to worry about any risks, however, as then desired to obtain such high profits?Of course, this is speculative profit, for which there is a skillful game of the exchange rate and that is not stable.But do not rush to worry, because the state regulates the maximum open position of the bank depending on the amount of its assets.In addition, the bank is interested in the correct currency exchange risk and, therefore, monitors the changing market conditions.
In fact, even the worst-case scenario for the bank does not affect you as his client and investor, because even in this case, your deposit would be paid to you at the expense of the reserve fund or the authorized bank.Moreover, the Bank continuously monitors the forecasts of the dynamics of exchange rates, with whom he works.Also made permanent conversion of open positions in the closed position by means of the transfer of obligations and requirements of one of the first in freely convertible currency, and then the national currency.In 2012, the Central Bank of the Russian Federation found that the open foreign currency position can not exceed the size of the bank's capital by more than 10%, and the amount of open positions - 20%.
As can be seen from these figures, the bank's tight monetary stance reguliruktsya state, and a situation where assets and liabilities by currency are not equal to each other, is subject to special attention, so the banks' clients certainly no cause for excitement.However, read at your leisure on banking, foreign exchange risk and types of foreign exchange positions of the bank you just do not hurt!
