Scientific journal NRU ITMO
Series "Economics and Environmental Management"
Registration certificate ЭЛ № ФС 77 – 55411 от 17.09.2013
registered by the Federal Inspectorate Service for Communication, Information Technologies and Communication Media
ISSN:2072-2397

September 2013 (published: 02.09.2013)

Number 3(14)

Home > Issue > The quality of retail loans in commercial banks

UDC 336.7

The quality of retail loans in commercial banks

Santalova M.S., Sorokina E.A.

This paper considers the problem of not returning retail loans at commercial banks. Suggests ways to improve the quality of the retail loan portfolio of the bank's are carried out:calculation of coefficients of the quality , threshold for break-even credit operations. K factors as a retail loan portfolio of commercial banks include: non-performing loans ratio, risk ratio, coverage ratio of losses, the coefficient of the reserve ratio lead.
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Keywords: retail lending, retail loan portfolio, break-even threshold for credit transactions, problem loans

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