Bìznes Inform (Oct 2018)
Analyzing the Credit Portfolio of Commercial Bank
Abstract
The article is aimed at analyzing the credit portfolio of commercial bank and developing recommendations to improve its management efficiency. The place and role of credit operations in the structure of commercial bank assets is determined. Features of analysis of credit portfolio of commercial bank are considered. The analysis of credit activity of the PJSC CB «PrivatBank» in dynamics is carried out. It is determined that the indicator of credit activity, which shows the share of credit investments in the bank’s total assets, is reduced in view of significant deductions to the bank reserves. The composition and structure of credit portfolio of the PJSC CB «PrivatBank» for the period of 2015 – 2017 is analyzed according to different economic characteristics: in the context of customers of crediting (by types of borrowers), concentration of the clients’ portfolio by branches of economy and directions of commercial activity. Measures to increase efficiency of the bank’s credit portfolio management and to improve the quality of its structure are proposed.
