The problems of the active operations of commercial banks

1. The problems of the active operations of commercial banks

Seitmakhash Aizat

2.

Plan of PRESENTATION
GIVING INFORMATION ABOUT THE RESARCH
PROJECT
DESCRIBING PROBLEMS WHICH CONNECTED
WITH THE ACTIVE OPERATIONS OF
COMMERCIAL BANKS
MAKING SOME RECOMMENDATIONS ABOUT
HOW TO AVOID THESE PROBLEMS

3. Active operations of commercial banks

Active operations of banks are
operations for issuing various
kinds of loans.
Active operations:
Mortgages
auto loans
business loans
personal loans.

4. Dynamics of the loan portfolio of the banking sector of the Republic of Kazakhstan

NPL - non-performing loans (loans with
overdue of more than 90 days)
amounted to 1, 365.2 bln. KZT or
9.3% of the loan portfolio (at the
beginning of 2018 was 1,142.1 bln.KZT
or 7.4% of the loan portfolio).
It is evident that the amount of bank
loans experienced down word trend
while the volume of loans with overdue
of more than 90 days is increasing
annually.

5. RECOMMENDATIONS

Developing efficient the active operations management
system
creation of a loan portfolio,
which varies depending on
market conditions
selection of highly qualified
specialists, as well as the
development of employee
motivation systems
the introduction of clear rules
in the field of market analysis,
sales management,
assessment of prospects for
lending to potential borrowers

6. It allows…

To maximize
providing loans
opportunities of
commercial banks.
To improve of
activity of
commercial bank
To grow of the
country's economy
through loans that
are issued for
production