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Evaluating the Processes of Management of Credit Portfolio of JSC CB «PrivatBank»
Pohorelenko N. P., Yurchenko A. Y.

Pohorelenko, Natalia P., and Yurchenko, Alla Yu. (2020) “Evaluating the Processes of Management of Credit Portfolio of JSC CB «PrivatBank».” Business Inform 10:325–332.
https://doi.org/10.32983/2222-4459-2020-10-325-332

Section: Finance, Money Circulation and Credit

UDC 336.71

Abstract:
The article is aimed at studying the status and structure of the credit portfolio of JSC CB «PrivatBank», also evaluating the processes of management of the bank’s credit portfolio through the computation of the coefficient of credit portfolio management efficiency. While analyzing financial indicators, a consideration and a research of the status of bank lending in modern conditions of the national economy of Ukraine were carried out. The reasons for reducing the proportion of the credit portfolio in the GDP structure during the research period are summarized. The fundamental principles of the credit portfolio management of JSC CB «PrivatBank» were analyzed in accordance with the «Regulation on credit policy». As a result of the research, the analysis of the main analytical indicators of credit portfolio management was accomplished, the structure of the credit portfolio and the structure of the bank’s portfolio credit quality during 2016-2019 were determined. On the basis of analytical data, the coefficient of efficiency of management of the bank’s credit portfolio was computed. Actual problems affecting the process of management of the bank’s credit portfolio were considered. The indicators of the efficiency of credit portfolio management of JSC CB «PrivatBank» for 2016-2019 are computed. It is determined that the key challenges for both the researched bank in particular and the banking sector in general remain a high proportion of non-performing loans. Decisive actions on the part of the management of JSC CB «PrivatBank» will help to improve the structure of the credit portfolio and reduce the amount of troubled debts of the bank. Ways to solve problems of improvement and enhancing the quality of credit activity of the bank are prospects for further research.

Keywords: credit portfolio, troubled loans, credit portfolio management, credit portfolio management efficiency coefficient.

Fig.: 1. Tabl.: 3. Bibl.: 14.

Pohorelenko Natalia P. – Doctor of Sciences (Economics), Associate Professor, Professor, Department of Banking and Financial Technologies, V. N. Karazin Kharkiv National University (4 Svobody Square, Kharkіv, 61022, Ukraine)
Email: [email protected]
Yurchenko Alla Yu. – Masters Student, V. N. Karazin Kharkiv National University (4 Svobody Square, Kharkіv, 61022, Ukraine)
Email: [email protected]

List of references in article

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Karpchuk, L. A. “Otsinka mekhanizmu upravlinnia kredytnym portfelem komertsiinykh bankiv Ukrainy v suchasnykh umovakh“ [Evaluation of the Credit Portfolio Management Mechanism of Commercial Banks in Ukraine in Modern Conditions]. Naukovi zapysky Natsionalnoho universytetu «Ostrozka akademiia». Seriia «Ekonomika». 2016. https://eprints.oa.edu.ua/5583/1/6.pdf
Makarenko, Yu. P., and Samoilova, D. O. “Teoretychni aspekty upravlinnia kredytnym portfelem bankivskoi ustanovy“ [Theoretical Aspects of Credit Portfolio Management of a Banking Institution]. Ekonomika ta derzhava, no. 6 (2020): 87-91. DOI: 10.32702/2306-6806.2020.6.87
“Polozhennia pro kredytnu polityku AT KB «Pryvatbank»“ [Regulations on the Credit Policy of JSC CB "Privatbank"]. https://static.privatbank.ua/files/Regulation_on_credit_policy_190617.pdf
[Legal Act of Ukraine] (2019). https://zakon.rada.gov.ua/laws/show/v0097500-19#Text
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Semencha, I. Ye. “Efektyvne upravlinnia kredytnoiu diialnistiu banku: systemnyi pohliad profesiinoho menedzhera“ [Effective Credit Activity Management in the Bank: A Systemic View of a Professional Manager]. Infrastruktura rynku, no. 34 (2019): 291-297. DOI: https://doi.org/10.32843/infrastruct34-42
“Finansova zvitnist AT KB «Pryvatbank»“ [Financial Statements of JSC CB "Privatbank"]. https://privatbank.ua/about/finansovaja-otchetnost
“Finansovi rezultaty Pryvatbanku“ [Financial Results of Privatbank]. Ministerstvo finansiv Ukrainy. https://minfin.com.ua/company/privatbank

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