Analysis of the loan portfolio KIB (VTB24)

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Uploaded: 21.03.2017
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The contents
Introduction...............................................................................2
1.The loan portfolio of commercial Bank...................................5
1.1 the Concept and essence of the credit portfolio of commercial Bank......5
1.2 the Concept of quality of the loan portfolio and management...............12
1.3 legal regulation of credit activity of Bank......................................................................................21
2.Loan portfolio analysis on the example of commercial Bank VTB 24 (JSC)....................................................................................31
2.1 brief characteristics of the commercial Bank VTB 24 (JSC)..........31
2.2 analysis of the financial performance of the credit portfolio and credit policy of WTO 24 (JSC)............................................................38
2.3 Problems and directions of improvement of the credit portfolio of VTB 24 (JSC)..........................................................................47
Conclusion............................................................................56
List of used literature................................................59

Additional information

The relevance of the thesis: Banks are an integral part of the modern cash economy, their activities are closely linked to the needs of reproduction. Being in the centre of economic life, serving the interests of manufacturers, banks mediate communication between industry and trade, agriculture and population. Banks is an attribute not of a single region or a single country, the scope of their activities has no geographical or national borders. They play an important role in maintaining the stability of the monetary system through close interaction with the state authorities carry out credit institution Supervisory and regulatory functions. Therefore, it is difficult to overestimate the importance of the stability of the banking system.
The banking system is one of the most important sectors of the economy. First, providing services to legal entities and individuals, banks contribute to the establishment of the gross national product; secondly, directing cash flows, banks are a key element of the financial infrastructure of the economy; and, thirdly, to respond to changes in economic conditions caused by acts of state authorities, banks are agents of the stabilization economic policy.
Lending is the banking service which brings the maximum profit. Meanwhile, when making credit transactions the Bank incurs higher risk.
Banks have to demonstrate great ingenuity in developing new methods of lending, attracting the greatest number of customers. Therefore, the Bank raises the question of clear and competent credit policy. Meanwhile, in the pursuit of clients, you must also pay attention to the condition of overdue debts of the borrowers. After all, the status of the loan portfolio affects not only the number of loans and amount of the term debt, but the dynamics of the overdue debt.

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