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Գլխավոր էջ Արխիվ Մեր մասին Բաժանորդագրություն Գովազդ Կոնտակտներ
     
#1-2 (209-210) / -Հունվար 2018
 
Lusine KHACHATRYAN
ANALYSIS OF THE SECTORED STRUCTURE OF CREDIT INVESTMENTS IN COMMERCIAL BANKS OF THE REPUBLIC OF ARMENIA AND PROSPECTS FOR THEIR DEVELOPMENT

Keywords: loan portfolio, banking system, consumer credit, assets, currency component, non-performing loans, overdue debts, liquidity risk.
The effectiveness of the credit policy of commercial banks mainly depends on the peculiarities of the formation of the loan portfolio. The analysis of the profitability of a loan portfolio requires a thorough study of its industrial structure, volumes, risks and a group of borrowers. During the analyzed period, the credit portfolios of the majority of Armenian banks increased due to the growth in the share of consumer credit, which may lead to a decrease in the profitability of bank assets and an increase in the amount of overdue debts. Consequently, as a method of reducing the liquidity risk, it is possible to apply to the banking system the processing of internal regulations with more strict requirements. This will provide an opportunity to increase the flexibility of using the resources of banks while maintaining capital adequacy and liquidity.

ANALYSIS OF THE SECTORED STRUCTURE OF CREDIT INVESTMENTS IN COMMERCIAL BANKS OF THE REPUBLIC OF ARMENIA AND PROSPECTS FOR THEIR DEVELOPMENT  Վճարել 369 ՀՀ դրամ եւ ներբեռնել հոդվածը “PDF” ֆորմատով
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