Assessment of the effectiveness of credit operations management as a factor in the development of the banking activity

Abstract

The main task of banks is to issue loans, which are the backbone of the modern economy, an integral element of the country's economic development. Lending is currently used by both individuals and legal entities, that is, everyone uses loans, starting with state and ending with citizens. For commercial bank in these conditions, it is important not only to correctly form loan portfolio on various grounds, but also to monitor changes in timely manner, which are carried out through in-depth analysis. At the same time, each bank develops its own lending technology based on digital technologies and new technical solutions. The purpose of study is to assess effectiveness of credit operations management of commercial bank, on example of the activity of PJSC Bank “FK Otkritiye”. Study uses methods of comparative analysis, synthesis, and graphical method to visualize obtained results. Based on results of study, author determined dynamics of corporate lending in commercial bank of PJSC Bank “FK Otkritiye” and changes made during analyzed period, according to results of which it was determined that share of corporate lending initially increases by 2021, and tends to decline by end of 2022. So, on 01.01.2020, share of corporate lending was 1,3 percent, on 01.01.2021 is 3,8 percent, after which the value declined again and returned to the value of 1,2 percent. Increase in corporate lending in 2021, according to results of analysis, was achieved by attracting large corporate clients in this period. As result, in order to improve corporate portfolio of commercial bank, author has developed new proposals for improving it and achieving performance indicators. Based on results of study, author has formed recommendations for increasing reserve funds. In general, it should be emphasized that effective work of bank is necessary, ensuring increase in lending volumes and stable financial indicators, the bank’s desire to increase customer confidence, active credit policy and worthy place in rating of commercial banks.