| Abstract [eng] |
In the master’s paper portfolio formation problems are formulated for commercial bank credits. Basing upon the Lithuanian and foreign scientific literature, bank credit portfolio control methods and application opportunities are given. AB Siauliu bankas credit portfolio change analysis is done. Loan volume increase perspective and its economic benefit for the bank are suggested. The first, the conceptual part of the master’s paper is dedicated to analyse theoretical questions basing upon scientific literature. Economic literature of Lithuanian scientists F.Jaseviciene, V.Vaskelaitis, D.Ivaskevicius, G.Kancerevycius as well as foreign authors J.Bessis, E.I.Altman is analysed, loan assessment, grouping and profitability principles are analysed. In the second part I analyse AB Siauliu bankas credit change trends. Applying statistical methods, loan portfolio volume change and structure analysis is performed. Also, applying statistical methods, the factors which influenced increase of the loan portfolio are established. In the constructive pat, by analysing AB Siauliu bankas loan portfolio change trends, applying statistical methods, forecast for 2007-2008 is done. After having assessed opinions of various authors and reviewed credit change trends in AB Siauliu bankas, suggestions for increase of credit portfolio volume are given. |
