A/S "Citadele banka" kredītportfeļa analīze
Date
2019
Authors
Pušpure, Gerda
Journal Title
Journal ISSN
Volume Title
Publisher
Latvijas Universitāte
Abstract
Bakalaura darbs par A/S „Citadele banka” kredītportfeļa analīzi veidots, lai pētītu šīs komercbankas kredītportfeļa struktūru un dinamiku, kā arī kredītportfeļa ienesīgumu un kvalitāti, balstoties uz pirmajā nodaļā analizētās literatūras avotiem. Šo analīzi veikt ir svarīgi, jo komercbanku darbības sektoram ir liela ietekme uz valsts ekonomisko situāciju. Un tā kā bankas kredītportfelis sastāda lielāko daļu no bankas kopējiem aktīviem, kā arī ir viens no svarīgākajiem un ienesīgākajiem bankas peļņas avotiem, ir svarīgi, lai tas nepārtraukti tiktu uzlabots. Un, lai to varētu uzlabot, nepieciešams veikt regulāru finanšu analīzi. Bakalaura darba mērķis ir , izmantojot un pamatojoties uz zinātniskās literatūras un A/S „Citadele banka” statistisko datu analīzi, izpētīt komercbankas kredītportfeļa struktūru, dinamiku, ienesīgumu un kvalitāti. Kā arī no iegūtajiem analīzes rezultātiem veidot secinājumus un sniegt priekšlikumus komercbankas kredīportfeļa attīstībai un tālākai vadībai. Darbā ietverta detalizēta analīze par bankas kredītportfeļa strukturāli dinamisko analīzi no 2014. līdz 2018. gadam, atkarībā no bankas kredītu klasifikācijas vediem. Kā arī veidoti aprēķini un smalka analīze par komercbankas ienesīguma un kvalitātes raksturojošiem rādītājiem.
Bachelor’s these about A/S “Citadele banka” loan portfolio analysis is made to explore this commercial banks loan portfolio structure and dynamics, as well as loan portfolios profitability and quality, based on the sources of literature analyzed in the first chapter. This analysis is important because the commercial banking sector has a major impact on the country's economic situation. And since the bank's loan portfolio accounts for most of the bank's total assets and is one of the most important and profitable sources of bank profits, it is important that it is continuously improved. And to be able to improve it, we need regular financial analysis. The aim of the Bachelor's thesis is to investigate the structure, dynamics, profitability and quality of the commercial bank's loan portfolio by using analysis of scientific literature and the data of A/S “Citadele banka”. As well as to draw conclusions and suggestions for the development and further management of the commercial bank's credit portfolio from the results of the analysis. The thesis includes a detailed analysis of the structurally dynamic analysis of the bank's loan portfolio from 2014 to 2018, depending on the bank's credit rating leaders. Calculations and fine analysis of the characteristics of the commercial bank's profitability and quality have also been made.
Bachelor’s these about A/S “Citadele banka” loan portfolio analysis is made to explore this commercial banks loan portfolio structure and dynamics, as well as loan portfolios profitability and quality, based on the sources of literature analyzed in the first chapter. This analysis is important because the commercial banking sector has a major impact on the country's economic situation. And since the bank's loan portfolio accounts for most of the bank's total assets and is one of the most important and profitable sources of bank profits, it is important that it is continuously improved. And to be able to improve it, we need regular financial analysis. The aim of the Bachelor's thesis is to investigate the structure, dynamics, profitability and quality of the commercial bank's loan portfolio by using analysis of scientific literature and the data of A/S “Citadele banka”. As well as to draw conclusions and suggestions for the development and further management of the commercial bank's credit portfolio from the results of the analysis. The thesis includes a detailed analysis of the structurally dynamic analysis of the bank's loan portfolio from 2014 to 2018, depending on the bank's credit rating leaders. Calculations and fine analysis of the characteristics of the commercial bank's profitability and quality have also been made.
Description
Keywords
Ekonomika , bankas kredītportfelis , kredīts , ienesīgums , kvalitāte , strukturāli dinamiskā analīze