title: Ð£Ð¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÐºÐ°ÑÐµÑÑÐ²Ð¾Ð¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ( Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ "ÐÐ°Ð½Ðº ÐÐ¢Ð")
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Loan portfolio quality management ( on the example of PJSC VTB Bank)
Creators: name: Ð¥Ð°ÑÐ¸Ð½Ð°, Ð®Ð»Ð¸Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2021
Subjects: ÐºÑÐµÐ´Ð¸Ñ
ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ Ð¿Ð¾ÑÑÑÐµÐ»Ñ
ÐºÐ°ÑÐµÑÑÐ²Ð¾
ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ
credit
credit portfolio
quality
management

description: Ð¦ÐµÐ»ÑÑ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ Ð°Ð½Ð°Ð»Ð¸Ð· Ð¸ Ð¾Ð±Ð¾Ð±ÑÐµÐ½Ð¸Ðµ Ð¾Ð¿ÑÑÐ° ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ Ð¿Ð¾ÑÑÑÐµÐ»ÐµÐ¼ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ, Ð° ÑÐ°ÐºÐ¶Ðµ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¸Ðµ ÑÑÐ°Ð¿Ð¾Ð² ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ñ Ð¿Ð¾ÑÑÑÐµÐ»ÐµÐ¼ Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¢Ð Ð±Ð°Ð½ÐºÂ». ÐÐ°Ð´Ð°ÑÐ¸, ÐºÐ¾ÑÐ¾ÑÑÐµ ÑÐµÑÐ°Ð»Ð¸ÑÑ Ð²Ð¾ Ð²ÑÐµÐ¼Ñ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: 1. Ð Ð°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¸Ðµ ÑÐµÐ¾ÑÐµÑÐ¸ÑÐµÑÐºÐ¸Ñ Ð¾ÑÐ½Ð¾Ð² ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÐºÐ°ÑÐµÑÑÐ²Ð¾Ð¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð¹ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸. 2. ÐÐ½Ð°Ð»Ð¸Ð· Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð¹ Ð¾ÑÐ³Ð°Ð½Ð¸Ð·Ð°ÑÐ¸Ð¸ Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¢ÐÂ». 3. Ð Ð°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° ÑÐµÐºÐ¾Ð¼ÐµÐ½Ð´Ð°ÑÐ¸Ð¹, Ð½Ð°Ð¿ÑÐ°Ð²Ð»ÐµÐ½Ð½ÑÑ Ð½Ð° Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ðµ ÐºÐ°ÑÐµÑÑÐ²Ð° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ. ÐÐ±ÑÐµÐºÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ â ÑÐ¿ÑÐ°Ð²Ð»ÐµÐ½Ð¸Ðµ ÐºÐ°ÑÐµÑÑÐ²Ð¾Ð¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¢ÐÂ», Ð¿ÑÐµÐ´Ð¼ÐµÑ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ â ÐºÑÐµÐ´Ð¸ÑÐ½ÑÐ¹ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¢ÐÂ». Ð Ð°Ð±Ð¾ÑÐ° Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð° Ð½Ð° Ð±Ð°Ð·Ðµ ÐÐÐ Â«ÐÐ°Ð½Ðº ÐÐ¢ÐÂ», Ð³Ð´Ðµ ÑÐ¾Ð±Ð¸ÑÐ°Ð»Ð°ÑÑ Ð·Ð½Ð°ÑÐ¸ÑÐµÐ»ÑÐ½Ð°Ñ ÑÐ°ÑÑÑ ÑÐ°ÐºÑÐ¸ÑÐµÑÐºÐ¾Ð³Ð¾ Ð¼Ð°ÑÐµÑÐ¸Ð°Ð»Ð°: ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÑ Ð´ÐµÑÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð½Ð° Ð¾ÑÐ½Ð¾Ð²Ð°Ð½Ð¸Ð¸ Ð³Ð¾Ð´Ð¾Ð²ÑÑ Ð¾ÑÑÐµÑÐ¾Ð² ÐÐ°Ð½ÐºÐ°, Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»Ð¸ Ð¸ ÑÑÑÑÐºÑÑÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ: Ð¿Ð¾ Ð²Ð¸Ð´Ð°Ð¼ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð², Ð¾ÑÑÐ¸ÑÐ»ÐµÐ½Ð¸ÑÐ¼ Ð² ÑÐµÐ·ÐµÑÐ² Ð¿Ð¾Ð´ Ð¾Ð±ÐµÑÑÐµÐ½ÐµÐ½Ð¸Ðµ Ð¸ ÐºÐ°ÑÐµÐ³Ð¾ÑÐ¸ÑÐ¼ ÐºÐ°ÑÐµÑÑÐ²Ð°. ÐÐµÑÐ¾Ð´Ñ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ: Ð°Ð½Ð°Ð»Ð¸Ð· Ð¸Ð½ÑÐ¾ÑÐ¼Ð°ÑÐ¸Ð¸; ÑÐ¸ÑÑÐµÐ¼Ð°ÑÐ¸Ð·Ð°ÑÐ¸Ñ; ÑÑÑÑÐºÑÑÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ Ð´Ð°Ð½Ð½ÑÑ. Ð ÑÐµÐ·ÑÐ»ÑÑÐ°ÑÐµ Ð±ÑÐ»Ð¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ñ Ð¿Ð¾ÐºÐ°Ð·Ð°ÑÐµÐ»Ð¸ Ð¸ ÑÑÑÑÐºÑÑÑÐ° ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ: Ð¿Ð¾ Ð²Ð¸Ð´Ð°Ð¼ Ð·Ð°ÐµÐ¼ÑÐ¸ÐºÐ¾Ð², Ð¾ÑÑÐ¸ÑÐ»ÐµÐ½Ð¸ÑÐ¼ Ð² ÑÐµÐ·ÐµÑÐ² Ð¿Ð¾Ð´ Ð¾Ð±ÐµÑÑÐµÐ½ÐµÐ½Ð¸Ðµ Ð¸ ÐºÐ°ÑÐµÐ³Ð¾ÑÐ¸ÑÐ¼ ÐºÐ°ÑÐµÑÑÐ²Ð°. Ð¢Ð°ÐºÐ¶Ðµ Ð´Ð»Ñ Ð¾ÑÐµÐ½ÐºÐ¸ ÐºÐ°ÑÐµÑÑÐ²Ð° Ð¿Ð¾ÑÑÑÐµÐ»Ñ Ð±ÑÐ»Ð¸ ÑÐ°ÑÑÑÐ¸ÑÐ°Ð½Ñ ÐºÐ¾ÑÑÑÐ¸ÑÐ¸ÐµÐ½ÑÑ, Ð° ÑÐ°ÐºÐ¶Ðµ ÑÑÑÐ°Ð½Ð¾Ð²Ð»ÐµÐ½Ð¸Ñ Ð´Ð¾ÑÑÐ°ÑÐ¾ÑÐ½Ð¾ÑÑÐ¸ Ð¾ÑÑÐ¸ÑÐ»ÐµÐ½Ð¸Ð¹ Ð´Ð»Ñ Ð¿Ð¾ÐºÑÑÑÐ¸Ñ ÑÐ±ÑÑÐºÐ¾Ð² Ð¾Ñ Ð¿ÑÐ¾Ð±Ð»ÐµÐ¼Ð½ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð². ÐÐ½Ð°Ð»Ð¸Ð· ÑÐ¾Ð·Ð½Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¿Ð¾Ð·Ð²Ð¾Ð»Ð¸Ð» ÑÑÐ¾ÑÐ¼Ð¸ÑÐ¾Ð²Ð°ÑÑ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼Ñ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð´Ð»Ñ ÑÐ¾Ð²ÐµÑÑÐµÐ½ÑÑÐ²Ð¾Ð²Ð°Ð½Ð¸Ñ Ð¿ÑÐ¾ÑÐµÐ´ÑÑ Ð¿ÑÐ¸Ð½ÑÑÐ¸Ñ ÑÐµÑÐµÐ½Ð¸Ð¹ Ð¿Ð¾ Ð·Ð°ÑÐ²ÐºÐ°Ð¼ Ð¸ ÑÐ°Ð±Ð¾ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ½ÑÑ ÑÐ¿ÐµÑÐ¸Ð°Ð»Ð¸ÑÑÐ¾Ð², ÑÑÐ¾ Ð¿Ð¾Ð·Ð²Ð¾Ð»Ð¸Ñ Ð¿Ð¾Ð²ÑÑÐ¸ÑÑ Ð¾Ð±ÑÐµÐµ ÐºÐ°ÑÐµÑÑÐ²Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ. ÐÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° ÑÐ¾ÑÑÐ¾Ð¸Ñ Ð¸Ð· ÑÑÐµÑ ÑÐ°Ð·Ð´ÐµÐ»Ð¾Ð², Ð²Ð²ÐµÐ´ÐµÐ½Ð¸Ñ, Ð·Ð°ÐºÐ»ÑÑÐµÐ½Ð¸Ñ Ð¸ ÑÐ¿Ð¸ÑÐºÐ° Ð¸ÑÐ¿Ð¾Ð»ÑÐ·Ð¾Ð²Ð°Ð½Ð½ÑÑ Ð¸ÑÑÐ¾ÑÐ½Ð¸ÐºÐ¾Ð².
description: The purpose of work is the analysis and generalisation of experience of management of a credit portfolio, and also consideration of stages of management of a portfolio on an example of PJSC "VTB bank". Tasks that were solved during the research: 1. Consideration of theoretical bases of loan portfolio quality management of credit organization. 2. Analysis of activity of credit institution on the example of "VTB Bank" PJSC. 3. Development of recommendations, directed on improvement of quality of credit portfolio. Object of research - management of credit portfolio quality of VTB Bank PJSC, subject of research - credit portfolio of VTB Bank PJSC. The work was conducted on the basis of VTB Bank PJSC, where a significant amount of factual material was collected: performance results on the basis of annual reports of the Bank, indicators and structure of the loan portfolio: by type of borrower, deductions to the impairment allowance and quality categories. Research methods: analysis of information; systematisation; data structuring. As a result, the indicators and structure of the loan portfolio were reviewed: by types of borrowers, impairment allowances and quality categories. Also, coefficients were calculated to assess the quality of the portfolio, as well as establishing the adequacy of provisions to cover losses from problem loans. The analysis of the retail loan portfolio has enabled the creation of a programme of measures to improve the decision-making procedures on applications and the work of loan officers, which will improve the overall quality of the loan portfolio. The paper consists of three sections, an introduction, a conclusion and a list of references.