| 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 Citadele 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, V. Alekneviciene, G.Kancerevycius as well as foreign authors J.Bessis, V.A. Beattie is analysed, loan assessment, grouping and profitability principles are analysed. In the second part we analyse AB Citadele 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 part, by analysing AB Citadele portfolio change trends, applying statistical methods, forecast for 2011-2013 is done. After the exchange bank Euribor analysis of projected impact of Lithuanian banks in their lending policies. |
