MEASURES TO INCREASE THE PROFITABILITY OF THE BANK'S LOAN PORTFOLIO
In this article, the theoretical and methodological basis for solving issues related to improving the quality and profitability of a commercial bank's loan portfolio has been expanded. The subject of the study is a set of problems associated with the assessment of credit risks and their impact on the efficiency of banking activities. The purpose of this study is to develop recommendations for increasing the profitability of the loan portfolio based on the systematization and generalization of analytical data from one of the leading commercial banks in Russia. The paper proposes directions for optimizing the bank's loan portfolio: the use of an online loan calculator, which ensures transparency of bank pricing and attracting new customers; introduction of scoring procedures into the credit process that automate the bank's relationship with customers, subject to minimizing risk; further expansion of the bank's biometric data base and motivation of clients to use this method of transaction security; application of the provisions of Markowitz's theory in the formation of a loan portfolio according to the risk-return ratio.