Methods of analysis of bank loan and its practical use

Currently, commercial banks receive the main income from credit operations, including operations with entities of the real sector of the economy. Moreover, this process is of great importance for the economy of the country as a whole, since credit resources play a huge role in financing the economic activities of such entities. To identify loan reserves, a comprehensive economic analysis of the bank’s loan portfolio is necessary. However, in the economic literature, a systematic methodology for such an analysis is not fully presented. At the same time, a comprehensive analysis, including factor analysis, will make it possible to make effective managerial decisions.