Accordance

1. Analysis of bank credit for the previous period. The main goal of the analysis is to estimate the volume and composition of its loan portfolio, as well as its effectiveness. Analysis of loan portfolio held by types and forms of credit in accordance with our bank classification. At this stage, is analyzed: the amount of its loan portfolio and its dynamics in the pre-planning period, compliance rates of growth of its loan portfolio growth of capital and assets, the dynamics of the share of the loan portfolio in total assets, loan portfolio analysis of the structure of sectoral and regional level, by type and forms of credit, borrowers, etc., and analysis of loan portfolio quality with in-depth analysis of the debt problem, the analysis of the adequacy of reserves, which are formed to cover credit risk, profitability analysis and the profitability of its loan portfolio. Results of the analysis used in the development of the individual parameters of the bank credit policy. 2. Assessment of internal capacity and capabilities of the bank's development. The most important determinants of bank credit policy are: banking power, regional and sectoral specificity of the bank, the degree of risk and return of certain types of loans, deposits stable, the spectrum of the operations and services, provision of credits and professional training, qualifications and experience of bank staff ; clientele of the bank, the bank's pricing policy, practical ownership of bank staff and the theory of credit risk management tools. Category: Management Operations Commercial Bank