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Analysis of the Credit Risks of Commercial Banks in Consumer Lending

Student: Kuritsyna Anna

Supervisor: Valentina V. Sofronova

Faculty: Faculty of Economics

Educational Programme: Economics (Bachelor)

Year of Graduation: 2017

Topic: Analysis of the credit risks of commercial banks in consumer lending. The work consists of an introduction, three chapters, a conclusion and a bibliography. In the first chapter, the concept of banking risks, classification and management features are considered; In the second chapter, the main economic indicators of Gazprombank are analyzed and the credit risk is assessed for the loan issued; The third chapter outlines the problems of implementing international risk management standards in OAO Gazprombank and recommendations for managing individual risks. The purpose of this paper is to analyze the credit risks of a commercial bank. From this goal follow the tasks of the final qualifying work: - consider the theoretical aspects of banking risk management; - Identify features of managing banking risks in OAO Gazprombank; - to determine, on the basis of the studies received, the existing problems in the process of improving the management of banking risks and to propose solutions to them. The subject of the study are banking risks in the activities of commercial organizations, as well as the identification of methods for managing banking risks focused on ensuring its reliability in crisis conditions. The object of the study is OAO Gazprombank. The bank specializes in providing banking services, such as lending to individuals and legal entities, opening and maintaining accounts, as well as accepting cash as a deposit. In the process of research, analytical, descriptive, calculated, statistical methods were used.

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