Assessment of the volume and dynamics of lending to individuals in PJSC «Bank VTB»

Abstract

Purpose: to study the system, volumes and dynamics of lending to individuals of PJSC VTB Bank. Discussion: one of the infrastructural foundations for the functioning of a market economy is credit. It allows you to ensure the rapid movement of capital to efficient business areas, accelerate the investment and financial cycles for starting up the work of enterprises and organizations, support additional consumption of goods and services by the population, while providing economic incentives in the form of additional income to owners of temporarily free cash assets. Results: the authors assessed the economic parameters of the retail lending system of VTB Bank Public Joint Stock Company based on calculations of the share of household debt in the total loan debt, assessed the amount and rate of change in retail loan debt in certain areas of lending and the structure of the loan portfolio.