Trends, current state and prospects of development of bank lending in Ukraine

Iaroslav Ivanovich Chaikovskyi


Abstract


The article examines the value of credit operations banks. The dynamics of total assets and loan portfolio of banks of Ukraine for the period of 2008-2012 have been analyzed. The changes in the structure of the credit portfolio of banking institutions by type of currency and the target directions of non-financial corporations and households, by type of economic activity and maturities are investigated. Analysis of the development of credit operations of commercial banks pointed to qualitative and quantitative trends of the system of bank lending. The positive and negative trends in the field of banking credit are detected. The main problems of bank lending is the high interest rates on loans, particularly for households and a significant share of overdue loans in loans granted. The share of overdue loans in the total loan portfolio and revenue structure of banks of Ukraine have been analyzed. The perspectives of expansion and improvement of bank lending have been substantiated

Keywords


banking institution; bank lending; households; credit portfolio; non-financial corporations; overdue debt; percent

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References


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Articles are distributed under Creative Commons Attribution  International 4.0 (CC-BY-NC 4.0) 


Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa


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