THE BANK’S LOAN PORTFOLIO AND METHODS OF ITS OPTIMIZATION
Abstract
The loan portfolio represents the core asset structure of a commercial bank and plays a decisive role in determining its profitability, liquidity, and overall financial stability. Effective management and optimization of the loan portfolio enable banks to minimize credit risk, improve asset quality, and ensure sustainable long-term growth. This article provides a comprehensive analysis of the concept, structure, and characteristics of a bank’s loan portfolio, examines the key factors affecting its quality, and explores modern methods and tools for loan portfolio optimization. Special emphasis is placed on risk diversification, credit risk assessment, regulatory requirements, and the role of digital technologies in enhancing loan portfolio efficiency.
Keywords
portfolio management, financial reliability, comprehensive approach, economic conditions, credit facilities, monitoring.
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