Analysis of directions of the loan portfolio management of banks of Ukraine

Abstract

Introduction. It has been characterized the state of bank lending in Ukraine at the present stage. It has been defined the level of problem loans, as well as factors that cause their formation. The analysis of trends of credit portfolio of banks, including the questions on the optimal credit policy, loan restructuring, domestic and foreign practice methods for assessing the creditworthiness of borrowers has been carried out.

Method. On the basis of methods of analysis and synthesis the author has studied the formation of the loan portfolio of banks. The method of a systematic approach to identifying key areas of credit portfolio management today has also been used.

Results. Analysis of the loan portfolio of banks of Ukraine has been carried out. The internal and external aspects that influence the level of bad debts today are defined. The main objectives and the scheme of restructuring of loans, lines of credit risk are established. The methods for evaluating the creditworthiness of borrowers are defined. The practical recommendations for the management of credit portfolio of banks are worked out.