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Statistical assessment of quality of credit activity of Ukrainian banks

Author

Listed:
  • Moldavska Olena V.

    (Kharkiv National University of Economics)

  • Demidenko A. V.

    (Kharkiv National University of Economics)

Abstract

The article conducts an economic and statistical analysis of the modern state of credit activity of Ukrainian banks and main tendencies of its development. It justifies urgency of the statistical study of credit activity of banks. It offers a complex system of assessment of bank lending at two levels: the level of the banking system and the level of an individual bank. The use of the system analysis allows reflection of interconnection between effectiveness of functioning of the banking system and quality of the credit portfolio. The article considers main aspects of management of quality of the credit portfolio - level of troubled debt and credit risk. The article touches the problem of adequate quantitative assessment of troubled loans in the credit portfolios of banks, since the methodologies of its calculation used by the National Bank of Ukraine and international rating agencies are quite different. The article presents a system of methods of management of credit risk, both theoretically and providing specific examples, in the context of prevention of occurrence of risk situations or elimination of their consequences.

Suggested Citation

  • Moldavska Olena V. & Demidenko A. V., 2013. "Statistical assessment of quality of credit activity of Ukrainian banks," The Problems of Economy, RESEARCH CENTRE FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS (KHARKIV, UKRAINE), issue 3, pages 282-288.
    • Handle: RePEc:idp:redpoe:y:2013:i:3:p:282_288
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