The improvment of credit portfolio management policy of PJSC CB «PrivatBank» based on the commercial bank’s credit portfolio SWOT-analysis

Abstract

Research subject is represented by theoretical and practical issues of implementation and improvement of the bank’s credit portfolio management policy. Research aim is to substantiate the areas of commercial bank’s credit portfolio management policy improvement. Research methods applied in the paper are comparison, grouping, SWOT-analysis, a systematic approach. Research results. In the paper the credit portfolio of PJSC CB «PrivatBank» is investigated by the SWOTanalysis tools; a decision support system to manage bad debts of commercial banks is developed, ways of improving the credit portfolio management policy of PJSC CB «PrivatBank» are suggested. Branch of applying research results is a credit activity of commercial banks. Conclusions. The performed SWOT-analysis of the credit portfolio of PJSC CB «PrivatBank» has revealed its strengths and weaknesses, potential threats and opportunities and based on them ways of improving the credit portfolio management policy of the bank are suggested in general. In the course of the analysis the presence of growing particle of bad debts in the credit portfolio of the bank has been found, which necessitated a detailed study of the problem and developing a decision support system to manage bad debts of the bank. Implementing the proposed policy directions of improvement of the commercial bank’s credit portfolio policy will ensure the efficiency of its credit activities under conditions of variable internal and external environment.

Keywords

• Commercial bank
• credit portfolio of commercial banks
• credit portfolio management policy of the commercial bank