MANAGEMENT OF THE BANK'S CREDIT PORTFOLIO UNDER THE CONDITIONS OF THE STATE OF MARTIAL
Abstract
The article analyzes the peculiarities of the formation of credit portfolios of banks taking into account the influence of new global challenges, reveals the specifics of credit activity of banks in the conditions of the new reality, defines the main stages of credit portfolio management and the corresponding set of measures of the bank in the conditions of martial law with the aim of optimizing the credit portfolio and minimizing its risks. The main goal of the study is to identify peculiarities in the formation of the bank's credit portfolios, taking into account the impact of new threats, and to determine the main actions of the bank at various stages of credit portfolio management in order to optimize it and minimize risk under martial law.
The systematization of literary sources and approaches to solving this problem showed that the issue of maintaining the appropriate level of quality of the loan portfolio in banks from the point of view of risks is constantly under the control of specialists and experts of the National Bank of Ukraine and is periodically studied by domestic and foreign scientists. However, there are still relevant issues that, in our opinion, require further research, in particular, the problem of increasing the efficiency of loan portfolio management under martial law conditions.
The urgency of solving this scientific problem lies in the fact that with the beginning of full-scale military aggression, there is a deterioration in the quality of credit portfolios of banks from a risk perspective, which may further lead to an increase in systemic risks and the development of crisis phenomena in the banking sector and other areas of the economy. The study of the problem was carried out in the following logical sequence: first, the state of credit development in Ukraine was analyzed, taking into account the impact of such global challenges as the coronavirus pandemic and full-scale military aggression on the territory of our country; the influence of the economic and political situation in the country on the specifics of the formation of credit portfolios of banks is revealed, the main stages of credit portfolio management are determined, and a set of bank measures aimed at optimizing the credit portfolio and minimizing its risks under martial law conditions is summarized.
The methodological tools of the research were: systematic approach, methods of analysis and synthesis, logical generalization, comparison, etc. The banking sector of Ukraine was chosen as the object of research, and the subject – indicators of credit activity of banks.
The results of the study can be used in the analysis of banks' credit risk management strategy. Summarizing and defining the necessary set of measures of the bank at various stages of managing the credit portfolio in the conditions of the introduction of martial law is aimed at minimizing credit risks and increasing the profitability of the credit portfolio.
