Analysis of the structure of the commercial Bank's loan portfolio and its development dynamics on the example of VTB PJSC
The article considers the credit portfolio of a commercial Bank and analyzes its composition. The percentage ratio of loans to individuals and legal entities is given and compared, and conclusions are drawn about the Bank's predominant customers. The Bank needs to form a priority based on the funds of clients, mainly individuals. the structure of the credit portfolio of individuals and legal entities of VTB Bank (PJSC) in the context of urgency is Given. The main share of the structure of the credit portfolio of legal entities is occupied by loans for more than 3 years, their share in 2016 was 59.72%, in 2017 56.27%, in 2018 63.66%. The main share of the structure of the credit portfolio of individuals is made up of loans for more than 3 years. In 2016, they were 89.70%, in 2017 98.89%, and in 2018 92.19%. The paper concludes that the credit policy of VTB Bank (PJSC) has a positive impact on the dynamics and structure of the loan portfolio, which allows the Bank to implement its main activities.