Науково-методичний підхід до оцінки якості кредитного менеджменту банку на прикладі АТ «ПУМБ»

Abstract

В умовах повномасштабних бойових дій для банківської системи України є нагальним питання підвищення ефективності управління кредитним портфелем кожного банку. У статті висвітлено поняття якості кредитного менеджмента банку і виявлено, що вітчизняними науковцями не приділяється увага до його оцінки. В роботі запропоновано підхід до оцінки якості кредитного менеджменту банку, засновану на бальноваговому методі, який рекомендують закордонних дослідники. На основі пропонованої методики проведено оцінку якості кредитного менеджменту в АТ «ПУМБ». Визначено основні чинники гальмування кредитної активності банку і наведено заходи для удосконалення управляння кредитним портфелем як досліджуваного банку, так і всієї банківської системи України.

In the conditions of full-scale hostilities for the banking system of Ukraine, the issue of increasing the efficiency of managing the credit portfolio of each bank is urgent. The article highlights the concept of the quality of bank credit management and reveals that domestic scientists do not pay attention to its assessment. The paper proposes an approach to assessing the quality of the bank's credit management, based on the point-weight method recommended by foreign researchers. The essence of the method is that a number of parameters are expertly selected and the studied parameters are evaluated in comparison with measures to minimize them. By means of an expert survey, informative criteria are selected with the determination of their relative significance (weighting factors). Then they are summarized in a table (rating cards) and evaluated using different scales. The results are subject to processing taking into account the weighting factors and comparison in terms of the bank's activities, certain types of operations, services and other transactions. Within the framework of the point-weight method, four blocks were chosen for the criteria for assessing the quality of credit management: assessment of the quality of assets; profitability assessment; operational efficiency; strategic positioning. The proposed methodical approach makes it possible to detect deviations from the target parameters of the bank's credit activity, which is necessary when conducting internal diagnostics of the quality of asset management. The value of the methodology is its universality during comparative analysis, since the system of relative indicators can be applied to the study of any commercial banks, regardless of the volume of assets, capital, profit. To determine the effectiveness of the application of this methodology in banking practice, an assessment of the quality of credit management of the largest bank with domestic private capital – JSC "First Ukrainian International Bank" was carried out. The main factors inhibiting credit activity of JSC "PUMB" are identified and measures are given to improve the management of the credit portfolio of both the bank under study and the entire banking system of Ukraine.