Management of a loan portfolio of a commercial bank

  • М. Т. Zholamanova Al-Farabi Kazakh national university

Аннотация

A service of crediting is one of the most profitable items of a commercial bank. It is the crediting that forms a basic part of the net profit, which further is listed into the reserve funds. Simultaneously credits’ defaults (especially of the large credits) promoted bank’s bankrupt and later, due to bank’s importance on the macroeconomical level, it causes bankrupts of companies, legal entities and individuals.Bank activity is directly connected to different risks in the process of bank’s communications with clients and other banks. Loan risk is the main threat for succesful bank functioning. Increasing the volume of problem loans in the structure of a loan portfolio makes a negative influence on a reputation and a position of a bakn in the market of credit resourses. The issues of management of a loan portfolio of a commercial bank is considered in this article.

Литература

1 The Law of The Republic of Kazakhstan from 31st of August 1995 № 2444 «About banks and a bank activity in the Republic of Kazakhstan» (with changes and additions to 15.07.2015)
2 Classification of bank loans. Approved at the session of the Committee of Financial Supervision from 31.01.2011. №8
3 The rules of formation of the system of risk management and internal control systems for the second-tier banks: approved by The Decree of the Government of The National Bank of The Republic of Kazakhstan from 26.02.2014 № 29
4 The banking sector’s current statement on 01.01.2015 // The official website of The National Bank of The Republic of Kazakhstan // http//www/nationalbank.kz
5 The banking sector’s current statement on 01.01.2014 // The official website of The National Bank of The Republic of Kazakhstan // http//www/nationalbank.kz
6 The banking sector’s current statement on 01.01.2013 // The official website of The National Bank of The Republic of Kazakhstan // http//www/nationalbank.kz
7 The Decree of the Government of The National Bank of The Republic of Kazakhstan from 27.05.2015 №96 About Approving the Conception of the functioning og the Shareholding «The problem loans Fund»
8 Zholamanova M.T. Money. Loan. Banks: Tutorial. M.T. Zholamanova – Almaty: 2011. – 384 p.
Как цитировать
ZHOLAMANOVA, М. Т.. Management of a loan portfolio of a commercial bank. Вестник КазНУ. Серия Экономическая, [S.l.], v. 113, n. 1, july 2016. ISSN 2617-7161. Доступно на: <https://be.kaznu.kz/index.php/math/article/view/1193>. Дата доступа: 17 may 2021

Ключевые слова

Commercial banks; problem loans; provisions; market; past due debt; The National Bank.