The current situation of the credit portfolio of commercial banks in the Republic of Kazakhstan

Abstract

Forming a qualitative credit portfolio is the main challenge for any bank as a principal way of financial resources allocation. The loan portfolio is the result of banking on the supply of credit, i.e. the sum of all bank loans in a certain period of time. It includes loan, factoring, leasing, as well as the fulfilment of commitments by type of guarantee. According to these criteria, it is determined by the quality of the loan portfolio of commercial banks, and the degree of profitability depends on its volume and structure. The article analyzes the credit portfolio of commercial banks in Kazakhstan, which has the largest share in the structure of assets. Therefore, the article discusses the evaluation of the creditworthiness of the borrower of foreign banks, and presents the factors, related and unrelated to the appearance of questionable loans in the foreign system.