Dynamics of commercial bank profit

Topic 8. Dynamic series analysis

The purpose - fastening of a theoretical and practical material on a theme «The analysis of dynamics», purchase of skills of definition of mean indices of dynamics.

The task - to lead the analysis of dynamics lines, to give economic interpretation of the calculated parameters.

Methodological recommendations

Average values of the dynamic series

Name of indicator	Indicator
Average level for the interval series of changes when the levels equally distant from each other	, - level of series for the n-th period; n – number of levels
Average level for the interval series of changes when the levels unequally distant from each other	, tn – interval of time during which the level of the value stored Yn
Average level for the moment series at equal intervals of time between dates	n – number of levels
Average level for the moment series at unequal intervals of time between dates	, – level of moment series on the date n; tn – the period of time between the date (or the period during which the rate unchanged)
The average absolute increase ()
Average rate (rate) of growth ()
The average annual increase rate	ΔT¯ = T¯(ch. or b.) – 1 (100)

The procedure of calculation of basic and chain characteristics of the dynamic series as follows (Figure 2):

absolute increase

growth rate

annual increase rate

absolute value of 1% increase rate

indicator of speedup

absolute (retardation) relative

Figure 2. The analytical characteristics of the dynamics series

Exercises for practical lessons

1. The profit of commercial bank is characterized by following data, thousand grn (tab. 15).

Table 15

Dynamics of commercial bank profit

Year	Profit, thousand grn

For the analysis of profit dynamics calculate:

1. For 2006 - 2010: absolute increases, rates of growth and rates of an increase (on years and to basic 2006); absolute values of one percent of an increase. The received parameters present in the form of the table. Check up interrelation between chain and basic rates of growth.

2. Average annual growth rates and rates of increase of profit for: 2002 - 2006; 2006 - 2010; 2002 - 2010

3. The average level of profit for 2006 - 2010 and an average absolute increase of profit for this period.

Draw an analytical conclusion by results of calculations.

2. The volume of production of the machine-building enterprise for 10 years has increased in 2,3 times, thus the mid-annual gain for first five years has made 7 %. Determine a mid-annual gain for last 5 years.

3. What should be mid-annual rates of a gain that for three years production of an industrial output has increased with 18 up to 20 million grn?

4. Using interrelation of characteristics of dynamics, determine volumes of the goods production, absolute and relative speed of volumes reduction (tab. 16).

Table 16

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