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The Diploma paper on the theme. "Credit risk management in commercial banks" (based on JSC "OTP Bank"). T etiana Trishyna , B-09 Scientific supervisor Prof., Ph.D. Kuznetsova Svitlana Anatolievna Language consultant Samoilenko Svitlana Anatoliivna. CONTENT INTRODUCTION
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The Diploma paper on the theme "Credit risk management in commercial banks" (based on JSC "OTP Bank") Tetiana Trishyna, B-09 Scientific supervisor Prof., Ph.D. Kuznetsova Svitlana Anatolievna Language consultant Samoilenko Svitlana Anatoliivna
CONTENT INTRODUCTION CHAPTER 1 THEORETICAL FOUNDATIONS FOR MANAGING CREDIT RISKS OF COMMERCIAL BANKS 1.1. The essence of the credit risk management of commercial banks 1.2. Methods of Credit Risk Management in Commercial Banks: management and international experience 1.3. Macro - analysis of the credit risk management in commercial banks CHAPTER 2 ANALYSIS OF CREDIT RISK MANAGEMENT OF JSC "OTP BANK" 2.1. Organizational and economic characteristics of JSC "OTP Bank" 2.2. Politics of credit risk management of JSC "OTP Bank" Сreation of the consulting group to work with enterprises – borrowers, entities 2.3. Analysis of JSC "OTP Bank" credit risk management in 2010-2012 CHAPTER 3 IMPROVING CREDIT RISK MANAGEMENT EFFICIENCY OF JSC "OTP BANK" 3.1. Explicit evaluation system construction of credit risk 3.2. Сreation of the consulting group to work with enterprises – borrowers, entities 3.3 Implementation of «EGAR E4 Banking» CHAPTER 4 PROTECTION OF LABOR AND SECURITY IN EMERGENCY SITUATIONS of JSC "OTP Bank" 4.1 Labour protection system of JSC "OTP Bank" 4.2 Security in emergency situations at JSC "OTP Bank" CONCLUSIONS AND RECOMMENDATIONS APPENDIXES REFERENCES
The Purpose of investigation is to make a theoretical synthesis and develop practical recommendations of the credit risk management of commercial banks. • The Object of research is credit risk of commercial banks. • The Subject of research is credit risk management in commercial bank. • The Basis of investigation is JSC "OTP Bank"
Creditriskisthepossibilityoflossoftheprincipalamountofbankdebtandunpaidinterestas a resultofcounterparty non-performanceofhis/ her contractliabilities. (A.Lobanov)
Table 1 Classificationofcreditrisk
Credit Risk Management is a set of measures that are aimed to minimizing costs to determine the optimal value of risk and income. (A.O. Milay)
Table 2 The rates of credit risk of JSC "OTP Bank"
Figure 1 Dynamics ofthemaximumcreditriskchangeof JSC "OTP Bank"
Figure 2 Dynamics of changes in credit ratings of AA, A and BBB from 2010 - 2012,in thousands of UАН
1.Explicit evaluation system construction of credit risk Blockofanalysis Profileborrower CO StateTaxServiceofUkraine C O N C L U S I O N S Technical Inventory Bureau State Inspection of Ukraine on land transport security Borrower Thedecisionongranting (refusal) loan StateMigrationServiceofUkraine Block of decision Figure 3 Upgradedcircuitborrowerassessment – anindividualin JSC "OTP Bank"
2.Сreation of the consulting group to work with enterprises – borrowers, entities Thepurposeofthe consulting groups iscollectinginformationrelatedtotherecenteconomicandpoliticalnews, stockmarket, thestateofbusiness - partnersworkingwiththisclientandinform theborrower.
3.Implementationof «EGAR E4 Banking» Table 3 General structure and characteristics of «EGAR E4 Banking» Банк
